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Business Profile

Credit Union

Jovia Financial Credit Union

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 72 total complaints in the last 3 years.
  • 37 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:08/01/2025

    Type:Customer Service Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    **************** at ********************** is literally the worst. Can't speak for the in-house service, however, the over-the-phone is literally the worst **************** I can think of and I've seen a lot through the years. I've started moving my funds out of that institution. Will start moving other sponsors as well in the next few months as well.

    Business Response

    Date: 08/01/2025

    Member contacted directly on 8/1.  Issues/concerns addressed by Jovia leadership.  

    Customer Answer

    Date: 08/04/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

    Sincerely,

    ***** *******



     

  • Initial Complaint

    Date:05/27/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Supervisor **** advised me not to close the acct for 30 days after he opened the **** w no fees. During the 30 days a merchant charged the **** 2 times and supervisor ***** said I have to pay them due to the **** still being open. I wasnt able to close the acct due to fees on the acct !

    Business Response

    Date: 06/11/2025

    Jovia has informed member of the details relating to her responsibility of these fees.  As a final courtesy, we have waived one of the two fees.  Remaining is member responsibility.  

  • Initial Complaint

    Date:05/14/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Last year of so, I opened a credit card with Jovia with a 10k limit. I got it for emergency situations, etc. I never used the card as of now. Yesterday, I was sent an email saying the card was closed (inactivity). I was never notified either by email or mail that the card would be closing on May 13th. If I had, I would have used it to show activity and then pay it off. When I first chatted with Jovia online yesterday minutes after getting the email, person said they would look into it, never got back to me. I went online and chatted again and was told there was nothing they could do and gave me a number to call. When I called, I was told that it was irreversable and there was nothing I could do. The closure of the card will damage my credit and applying for another will result in an inquiry that will also ding my credit, They said when I first opened the card, it was hidden in the disclosures. The fact that this was done without any notification at all, no warning ,nothing and now my credit will be damaged is unacceptable. Was told by cust service that this was done to multiple customers the same way.. I am just asking to have the card just reinstated with my original 10k limit.

    Customer Answer

    Date: 05/16/2025

    Better Business Bureau:

    the card has been reinstated 


    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

    Sincerely,

    *** ********



     


  • Initial Complaint

    Date:05/13/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    ***** ******* ***************************************************** Phone: ************ Alt Phone: ************ To Whom it May Concern, I am writing in reference to an unauthorized rate change from Jovia FCU without prior notification or agreement. I have never defaulted in the Auto Loan, and their reasoning is because of a clerical error on their behalf and not adding themselves as a lien holder on my 2019 ***** Accord. They raised my interest rate from 8.29% up to *****%, again without prior notification.I am supplying supporting documentation.Please let me know what steps should be taken regarding this matter. Or if there is a better party to reach out to.Respectfully,***** *******

    Business Response

    Date: 05/14/2025

    Jovia has made several attempts to contact member to address the lien filing concerns.  Please contact our Loan Servicing Team directly at ************.

    Customer Answer

    Date: 05/14/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

    The information this agent ******* has provided is not only confusing but frustrating - she is basically telling me I need to req a copy of a title i never received, and doesn't really know the steps to list Jovia as a lienholder - gave me an electronic filing code and told me I need to update VA DMV with the code. This is a financial institution that really needs to get their act together instead of burdening a non-delinquent customer with high interest rates because they dont know what they are doing smh. 

    No I am not satisfied with zero resolution.

     

    ***** *******




     

    Business Response

    Date: 05/27/2025

    Member was contacted by Jovia's Loan Servicing Manager on the same day this feedback was submitted.  All should be resolve at this point.  

  • Initial Complaint

    Date:04/08/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was contacted yesterday, April 7, 2025, by a Jovia representative who stated that my account could have been compromised. Do you recognize the following people who are requesting money from your account? I told them that I didn't recognize them. The Jovia representative said to me that they would be placing more security on my account and that they would stop the payments. When I checked my account, it was locked, which was fine because the Jovia representative told me additional security measures were being taken. They would reach out to the authorities regarding the attempted hack. When I called JOVIA and spoke with a representative yesterday evening, all the money in my account was taken out. The representative could not tell me the details. I had to wait until the next day to speak with a representative. I first spoke with a person named ******** from Jovia On April 8, 2025. He told me they could get back the first ****** with no issue. The second sum of $1500.00 might be an issue. I asked why anything would be an issue. When I spoke with the representative yesterday, she said everything had been stopped. ******** told me it was initially stopped, and then someone in the bank allowed it to go through. He told me to hold, but I was disconnected or hung up. I then spoke with someone named *****, who stated that she saw the notes and that I would have to get ***** into my account so that ***** could investigate. I told her that JOVIA allowed the transaction to go through. You need to handle this. My request was denied, and I am out $2000.00. Jovia needs to replace the money that was taken through their blunder.

    Business Response

    Date: 04/21/2025

    Member contacted by Jovia, issue resolved.  

    Customer Answer

    Date: 04/23/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

    Sincerely,

    ******* ********



     

  • Initial Complaint

    Date:04/07/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    JOVIA FINANCIAL FCU Amount:$3773 Date:11/5/2024Acct#******XXXXXXXXXX According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. Inaccurate Information on my credit report is causing me financial distress Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7). According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information

    Business Response

    Date: 04/07/2025

    There has been no contact with Jovia at this point.  Please reach out to the credit union so that our **************** can gather all the appropriate details. 

  • Initial Complaint

    Date:03/31/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    JOVIA FINANCIAL FCU Amount:$24,895 Date:12/5/2024 Acct#************************************************************ FCU Amount:$20,000 Date:12/20/2024 Acct#**********According to ** *** ***1 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Accounts that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7) According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.

    Business Response

    Date: 04/01/2025

    Please contact Jovia's **************** to provide details of this claim.  

  • Initial Complaint

    Date:02/18/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to ** *** **** have the right to privacy According to ** *** ****- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to ** *** **** I have the right to privacy According to ** *** ****s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. JOVIA FINANCIAL FCU Amount:$15092 Acct#**/22/2024 Date*****************

    Business Response

    Date: 02/18/2025

    Please reach out to Jovia directly and ask to be connected with our **************** so that we can obtain all necessary information to properly review.   

  • Initial Complaint

    Date:02/12/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    My card was stolen back in December. I called and finally got through to someone to file for fraud, for charges in the amount of $600 dollars. Since then, I have not received a new card. No one has been in contact with me regarding the charges, and no one answers the call when I call. I also am trying to make a payment online, but it won't let me, but it shows that I am late. This credit union has the absolute worse serve. This is the absolute worst credit union that is standing.

    Business Response

    Date: 02/20/2025

    Made contact with member and confirmed credits applied for fraudulent charges and new plastic sent out via ***. Will continue to investigate challenges in getting to the proper area to begin and complete the fraud claim process. 

  • Initial Complaint

    Date:02/11/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. JOVIA FINANCIAL FCU amount:$7533 date:7/29/2024 Acct#****************

    Business Response

    Date: 02/11/2025

    Please get in touch with Jovia's **************** to properly submit your claim.  Thank you.  

Jovia Financial Credit Union is NOT a BBB Accredited Business.

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