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Georgia's Own Credit Union

1.3 out of 5 stars
4 Reviews

From Account Holders in the last year

ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

3 out of 5 stars

Customer Service

3 out of 5 stars

1.5 5
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These reviews were written by current and former account holders in the last year.

Nov 17, 2016
Tedious to work with / Bad service
Anonymous Account Holder

My husband and I are sorely disappointed in the service at Georgia's Own CU. We've banked with them for 4 years and have checking, savings, car loan & line of credit accounts.  We are now closing our accounts.There have been multiple problems recently: they will block our debit cards if a loan is 15 days late WITHOUT notice that the account needs to be paid and often do so at 5:00 PM when you can't call to correct it. They have monthly updates when their system is completely down which is way to frequent. They've recently been down for 3-days over a weekend for a major update where we weren't able to call them or use our cards.  After the update was finished, our cards declined when we needed them as they found a bug in their system.  They were very unapologetic and acted like it was no big deal.  They also turned off our transfer capability on the update which caused an embarrassing evening at a store when we couldn't pay for the things in our cart even though we knew we had money.  I've recent'ly found out through unfortunate circumstances that their overdraft protection is descretionary and calculated via computer each day, so we did not have protection when we needed it and they were not willing to reverse fees because I had a single fee reversed months ago. I do not understand the point of overdraft protection if it's not there when you need it.  And the chips cards they are forcing their cardmembers to use are a huge headache for a multitude of reasons. Like I said, we're done with them and are closing our accounts. 

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Oct 24, 2016
Craziness!!! All The Time
Anonymous Account Holder

Systems are always down. Card declines all the time due to system errors. 

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Oct 04, 2016
They try and fail
Anonymous Account Holder

Online systems are regularly down. Updates a few times a year with outages of a day or more. Errors after every update. "Sorry for the confusion" is their standard line. There is no confusion, they mess up and do not take ownership of their errors. 

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Sep 19, 2016
Terrible Terrible Terrible
Anonymous Account Holder

Current customer - until tomorrow. They switched to the chip card without adequately notifying customers so my card was deactivated on the 7th September and I had ordered a new one the day before. Had to get cash out at the local branch for weeks, running into problems multiple times where there systems were down so they couldn't give me money because they couldn't look up what was in my account. They assured me multiple times my card would be delivered to my home address and was on track. It's not September 19th, still no card and there systems are down yet again. And yet, customer service holds are still 15-30 minutes, the call center just directs you to visit their main branch every time, systems are 5/10 times down, and apparently customer service has the audacity to tell me thing would go a lot easier if I just didn't get mad. 

Absolute trash.

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