General Electric Credit Union
reviews and complaints

Overall I think my experience with GE credit union has been excellent. From service to facilities all of my experiences have been positive. All of the loans I have had were serviced correctly and easy to close on. The only thing I can critique them on is their interest rates for savings, cds, and other interest bearing accounts seem a bit low for credit unions.

Never get a car loan from , after waiting two weeks they finally approved it. Luckily it was a private sale and they waited. To schedule closing took another couple days and at closing the interest rate was wrong. Then a billing issue and they raised the rate an eighth. Just got another car loan from *** and it took two days total.

I have been a member for over 15 years all staff are very helpful and pleasant to deal with loans only take a few days to get approval instead of weeks and now that they're adding additional locations makes everything better if you need to go into one. They offer great rates on their loans and I have referred numerous people to them and their website is always kept up to date with the latest technology.

GE Credit Union on *** Reading Road Cincinnati Ohio [protected] staff, Membership Services, was very responsive to my requests. The staff was kind, to the point, very knowledgeable. They are best in the business. They have served me over 30 years, so I have a lot of experience with them, and I recommend them over other Credit Unions.

Have not applied for a car loan, which seem to be most of the negative reviews. Very easy process when opening money market and savings account. They us advice on which account we should use most so we would earn interest, which is nothing these days at any bank. Their interactive teller at drive through is such a wonderful experience during business hours. We also have an ATM card if needed for after hours service.

I used to work in banking, I did so for 14yrs sadly for one of the big banks. These big banks have the absolute worst customer service and are actually quite rude to their customers. I have never seen such wonderful customer service as Ive seen with ***. They truly care about their members. I tell all my friends and family they should give GECU all of their business because they are truly wonderful!

We've been members since ***. Have our mortgage through GECU and car loans over the years. Have savings and checking accounts with them. Have enjoyed the evolution of locations from within the Evendale complex to several branches throughout Greater Cincinnati. Have never had a bad experience with any of the personnel in any location. Have found their online services to be user friendly and, of course, it now takes more time to reach anyone on the phone.

I have been a member since 1979 and have maintained the account through a number of job changes and out of area moves. I have had personal loans and new and used cars loans and have never had any trouble with fees or bad service. Recently I found some very old traveler's checks and called the issuing companies. I was informed I had to file claim forms and it would take months to obtain the face value. The GE credit union worked with me and obtained the money in a couple of days with no fee.I am happy with them and use them as my main bank resource."

General Electric Credit Union advertises free atms on their website.Consistently for the past 6 months I am charged a fee for each of these free ATMs. I have to call, write, email and beg them to refund the fee they said they would not charge. Last time, they disagreed and forced me to supply exterior photos of the atm that charged me. Upon receiving my first set of photos they still would not issue the refund, I had to drive back another 20 miles and take exterior photos of the atm. All this for a fee free ATM they advertise. Where is my reimbursement of time and money and hassle for their false advertising?

I have been with GE Credit Union for so many years now, I have had my whole family open accounts with them also. I have had all different loan types through GE CU with great rates always being offered, and so much more! I will continue doing business with them. I love they will go above and beyond in order to make things easy as possible when you need help applying and maybe can't get to an office and everything can be handled through the phone and email. Which helped us a lot and still does due to the covid crisis. The friendly and professional staff are there to help you in anyway possible. I am a forever GE CU member. Thank you for all you do.

I have been a member of the GE Credit Union for 50 years. Over that time, the Credit Union has been able to handle any problems that I have had. All of them I've created myself. When my credit card information was stolen, they were able to respond to my problem quickly with no loss of funds and a quick replacement of the credit card. When I ran out of checks, I was able to use counter checks as needed until I received my check supply. When traveling, I was able to use my credit card without a problem either in the *** or overseas. Cash was also available through ATMs both in the *** and overseas. The tellers at the various branches and the employees that handle the phones are knowledgeable and polite.

Poor service. I was a 20+ year member of the GEFCU but when the pandemic shut down all the remote locations this left the West side of Cincinnati with no branches or ATMs that could fill in for the lack of a branch. To make a deposit I will have to drive to Evendale, no other choice. When asked if a pop up location can me made for the west side I was told there are no plans to service the west side through the pandemic.My debit card was ruined recently, my past two trips to the Evendale location and speaking to member relations I was told I would have a replacement card in 10-14 days, its been 2 months...I stopped using GEFCU as my primary bank about a year ago, it is only used for some direct deposit and payments for now but eventually I will close this account and I cannot recommend their services. I have had much better service at Kemba Credit Union and can wholly recommend them for financial services.

I have been with GECU for about a year now. And with my first vehicle purchase I had no issues once so ever my payments were made on time and so forth. But everything changed this year after upgrading to a newer vehicle. First they were saying that I didn't have insurance when I had full coverage through my agency the entire time. After numerous submission to show proof of my coverage they still raised my payments from $500 to $800 when they had my insurance on file the entire time. This experience has made me NOT want to ever deal with this company again due to the fact that NO ONE knew what they were doing. Numerous transfers due to certain individuals using the phrase "I DONT KNOW", and "I CAN'T" when confronted with any problems.At the end of everything even though they had proof of insurance, along with no missed payments ever. I still had to pay a grand total of $796 just to correct their mistake on MY ACCOUNT! just to avoid a negative report on my credit. Please use caution when considering going through this company. In my opinion they're money hungry sharks and incompetent.

On May 13,2022 it started at 4:32 pm I called customer service 9 times. First customer service agent hung up on me after giving all my information and they never called me back. I finally got ahold of a supervisor I told him I wanted to cancel all my accounts with GE and wanted the customer service agents written up for not doing their job. He stated he would transfer me to that department well he put me back to the main prompts. Now it is 5:50p.m and now on hold again to get a supervisor to report the other supervisor and customer service agents. Now I am on hold again. Finally, i got ahold of a supervisor she rattled off a phone number that I need to call which is the same number I have been calling. It is now 6:11 p.m. and I was told that she cannot close my account and that no one in that department can. She put in for a call back and that will take 48 to 72 hours. So don't you think if now one in the credit card department can close my account, they would have told me that at 4:32pm the beginning of this mess. Not one person mentioned that to me and the last supervisor she had to look that up she didn't even know. I will never do business with this company again. If more people shut there accounts down due to poor customer service maybe big corporations would fire these people.

In February of 2023, a storm blew part of the roof on my home off. It just so happened that GECU had emailed me regarding a Skip-A-Pay program that I was eligible for, right around this same time. My insurance deductible was $1,500 for my home insurance, so I opted to apply for Skip-A-Pay on my loan payment in order to reallocate funds to have my roof fixed. This seemed like a true blessing of an opportunity through GECU, as it was so timely to my current situation. My application for Skip-A-Pay was approved, and all was good. Then, due to my own oversight of the instructions for the program, I did not cancel my automatic payment for the month. This sent me into a panic when I realized the payment was trying to come out of my PNC Bank account. I paid $30 to place a “one-time stop payment” on the GECU debit at PNC, and was told that it would not cause any issues on a go-forward basis with my automatic payments. I then was issued a fee through GECU for the payment being returned. This became a mess, but was ultimately still allowing me to have my immediate issue of having a roof over my head covered. The next month; I treated business as usual, believing that my account at GECU was still on autopay. Come to find out, because I had issued a “one time stop payment” through PNC, GECU did not attempt to take out my automatic payment. I was unaware that this was an internal standard operating procedure at GECU, until reaching out to chat with a member of the Customer Care team. As soon as I was aware that my payment was not automatically made due to the internal policy, I submitted a payment manually through the website as I was advised to do. This payment took days to post, posting outside of the grace period, hitting me with a late fee. I reached out to a member of the Customer Care team again, and they said that I missed a payment in February. I let them know I had paid to participate in Skip-A-Pay and explained the situation. I believed all was corrected. Fast forward to today, May 17th, 2023. I am still having issues with my account status and now have my first ever “Late Payment 30/60/90 days” posted to my credit report, which has happened at the very worst possible time as I am in the process of closing on my first Child Care Center facility. Prior to participating in the Skip-A-Pay program I was on time every month with GECU. I would love to get back to having a routine automatic payment plan with GECU with payments being received on time every month and would appreciate someone with the ability to help me to please look into this situation for me as my account is still showing as late, even after speaking to Becky on the phone on Tuesday, May 16th and her advising me that

I am being deemed as late for the month that I paid to skip a payment, then was hit with a fee for placing the stop payment, then was apparently hit with a late when my payment did not automatically come out the month proceeding due to an INTERNAL policy that is not visible to the public regarding GECU not attempting to pull the automatic payment out of my account since they weren't able to the month prior.

This is tanking my credit and it's been a nightmare to talk to anyone. The responses I've gotten might as well have been from robots, stating that "Our policy with Skip-A-Pay is that the customer has to cancel auto pay." Okay, cool. Got it. But where's the policy that says that I'm going to be hit with a late fee for participating in Skip-A-Pay and then again when you all do not take my autopay out the proceeding month? FAST FORWARD to TODAY, I'm told that I owe $50 in late fees to get caught up on my account. Yesterday I had spoke to Becky and she waived my late fees because she was able to see this whole mess.

I received my quarterly statement from GE Credit Union for a savings account that I have had with them for many years. I noticed that they have been charging me a $6 per month inactivity fee for the past 5 months ($30). I tried to call them, but they won't answer their phones. So, I got in my car and drove to the Eastgate office and spoke with a customer service agent about the issue. I told them that I was never informed about this new inactivity fee. I asked them when did they notify customers and how were they notified. They told me that it was included on a quarterly statement. I got home and checked my previous statements and there is nothing on the statement about this item. They agree to refund me 2 months of charges but not the other 3 months. I want it ALL back. I would like to see a copy of what they said they sent notifying me of this change

I have a car loan. Loan # *** that is being reported as 30 days late to the credit bureau. I called in on 28 to make a payment to the company to ensure my credit standing with the bureaus and company stayed positive. I was assured by the representative that my account would not be reported as delinquent with the credit bureaus. I specifically asked the representative this question when I made the payment to ensure I did not need to take the trip to a branch to make the payment and was assured it would not be reported. GECU did not apply the payment until 1/24/22 causing me to be over 30 days late even though 12/24-1/24 is 30 days. I would like the negative remark removed from credit and my account as there was also no mention over the 3:30 pm cut off for payments on any of my initial loan paperwork nor that they do not accept payments on weekends. I believe these practices to be deceptive and could also be in violation of CFPB regulations.

Hello Pam, It was nice to speak with you. Please be aware that I did talk to one of your representatives about the non renewal of a CD. This was done prior to the redemption date. I respectfully request that you honor your firms verbal commitment to not renew the CD and to redeem it without penalty. I have spent several hours of time attempting to get you conclusive proof of this conversation. I am willing to give you a affidavit that I did in fact do as I informed your firm, to not renew the above mentioned CD. This money belongs to a nice 88 year old lady who needs to have access to the funds for health reasons. I am deeply offended that your refusal to release the funds without penalty is your only resolution. The true facts and circumstances thru our decades of business dealings with GECU indicate that your firm has made several errors prior to this matter. These errors have all been proofed to be errors on behalf of GECU! I am willing to give you a written statem

I switched my vehicle insurance provider on April 19. I had my agent send GE the new policy information at that time. After a few days I got a letter from GE saying they did not have records of my new policy. I contacted my Insurance agent and had them resubmit the policy information to GE. A few days later, I get another threating letter from GE saying they are going to force insurance onto my loan because they still do not have any record of the new policy. I contacted GE and my insurance agent again. I had them on the line at the same time and made sure that when the policy information was faxed for the 3rd time that GE actually received it. The GE rep confirmed that she did receive the information, i also made her triple check that i was not going to be receiving anymore threating letters from GE and that no forced insurance was actually placed on my account. On 7/02 I receive another threating letter from GE stating that i have not provided my new policy.

6/14, I contacted the Loan Operations Department at: *** and spoke with Kacie to inquire about my title status. She asked for my name, address and social security number to verify my account information and stated that a Termination Statement was sent 4/13. I explained that I have not received a termination letter, thus my inquiry. She stated that I should call DMV to inquire if they received the statement and that to receive a duplicate I would have to pay $25. I stated that I should not incur such a fee since I never received the original termination statement. I was forwarded to Kristina, her manager, and she inquired about the same information with the same results. I inquired as to what exactly my account states, she said that on 4/13 my account states that it was "closed", NOT Termination Statement sent via certified letter to address on file. I asked to speak to her supervisor...she was out on vacation for 2 weeks and I could call back then.

I purchased a vehicle using General Electric Credit Union financing. As part of the financing I purchased Gap coverage that said it would pay up to $1,000 of my deductible if there was a total loss. In December I had a total loss accident but GECU said the Gap coverage was administered by a third party. The third party did not pay anything including my deductible. I contacted GECU and they basically just told me it was out of their hands and I needed to deal solely with the third party company. I contacted them again and they said another company handled the deductible portion of my claim and I needed to contact them. I attempted to contact this company and they said they had no record of me. They said they would attempt a manual search for my policy and get back to me and I never heard back. I contacted GECU yet again and they said there was nothing they could do. So they sold me coverage that promised to cover my deductible and when I tried to file a claim, I just kept getting passed around to different companies and nobody is actually helping me with this claim.

I have my mortgage through G.E. Credit Union. They do not offer customers an escrow so taxes and insurance are paid direct from their customers. G.E. uses and outside vendor to confirm proof of insurance is being maintained on the properties. I live in a condominium so I have to supply (2) copies of my insurance coverage every year. One policy for personal homeowner's and one policy for the HOA. If you do not show proof of insurance G.E. will automatically issue an insurance policy and add the charges to your mortgage. I have lived in my residence for three years and every single year this charge is added to my mortgage. I submit my proof of my policies and it's still added. You have to submit the policies multiple times and follow up to ensure that the insurance charges are deducted from your mortgage. If you call G.E., even though it's their vendor and the charges are on their bill, they tell you they can't help you, you need to call the vendor. Today I have submitted my "3rd" proof to this vendor and not only is this charge still on my mortgage bill, but the charge increases next month. My mortgage is through G.E. Credit Union and they are charging me these fees, but want to take no responsibility for the vendor they hired.

I moved in 2021 and my address was brand new and GE Credit Union would not recognize the address so I could not update it on their site. I have two accounts with them with very little funds left and found out they started charging me an inactivity fee. There was no communication on this fee because the address could not be changed. When I saw the charges by logging into my app one day, I went to the GE Credit Union location and asked for them to reverse my charges and they only reversed 6 charges out of 14 charges and as long as I also did not just close the account. So I agreed to not close the account and accepted this and asked that the account be removed out of a dormant status. I was assured I was fine for a year and today I log into the app and I have been charged another 6 dollar fee per account. I chatted with a representative who said that I had to fill out a form to remove myself from dormant status - which I was never informed about while at the bank in person for a half hour. And then I was also informed since I already received a credit I now need to explain in writing why this credit also needs to be reversed. I am disgusted with the lack of communication from this bank and how they handle this. It is just a scheme to take away the rest of my money.

03/06/20202 *** County Clerk's office requested my title from GECU. Covid hapened so by August when I hadn't received anything I called GECU and they said they didn't receive it. OK no problem had clerk's office send it again. GECU sends it to me with a letter stating i need to go to a 3rd party website and to have my credit card handy to get my title. I refused the 3rd party website, got into a heated discussion with a woman on the phone from the title department then was connected to Robin *** who couldn't understand why i couldn't understand why I have to pay someone else to get my title sent to KY because I have been driving around on expired tags since 08/14/20202 and should only have to pay my fees at the courthouse. Today Robin called me and stated the fees were actually the clerk's fees. When my clerk's office tried to call Robin she was in a meeting both times and had another employee tell them that the cost is to print out the title and overnight it. Robin flat out lied and at this point my title needs to be sent end of story. I did leave a voicemail with Mr. the CEO and have also filed a complaint with Ohio Attorney General's office. I do not wish to go back and forth anymore just to be told more lies so please just let Mr. know he has a voicemail from me.

I am highly disappointed with GECU's lack of effort to assist a long-time loyal customer to resolve a simple issue that was no fault of my own. Family, friends, and clients have opened up accounts with GECU due to my referrals. Last year I requested overdraft protection and an automatic transfer from savings to checkings if funds were low or not enough to cover charges. The representative assisting me informed me that everything was set up as requested and I was approved for the overdraft protection. Last month *** made an error in sending five small charges all under $20.00 to my GECU checking instead of my *** account. To my surprise, I noticed several insufficient overdrawn fees and when I called I was informed that I was never approved for overdraft protection and my savings funds could not be transferred to cover the charges in the checking because the checking was an older fathered account. Information no one ever told me. The rep requested I send a signed letter via email so that the manager can look into the issue and remove the insufficient fees. It has been almost a month now and I am getting the run around being thrown from one department to another. I am so tired and can't even utilize my account. Since there is no one in the entire GECU that can resolve this matter, I have decided to close my account at the end of the month.

The issue had started with the opening of the loan, I have had multiple loans with GECU, and this time it has turned out to be a disaster. My first payment was a couple of days late due to communication in receiving all of the info from GECU. There accrued my first late fee. following months payments were made within the month, although it was never communicated to me that my payment was due, adding the late fee on top of my regular payment, it was never communicated that there was a late fee. if they take a look at my payment history. the full payment was never received more than 15 payments after the due date. they have reported my payment as 60 days past due. although a payment was always made within the month. this has been the most non-transparent consumer/business relationship I have ever had. there has been no communication. no information regarding how my payments ended up 60 days past due (although I have been making a payment within the month every month and have not missed a month). There has been no communication regarding being reported 60 days past due because I have not paid the late fees that accrued from late fees that were not communicated to me. The Transparency, and relationship between myself the consumer and the business has been non-existent. I believe GECU has always handled things great with me, and tried their best. but reporting my payment as 60 days past due when I was making the full car payment every month. but I had not known that the payment was due PLUS the late fee. for the sole reason that it is not communicated. it is not transparent on their website, it was not transparent with any communication with GECU at all. as if they were trying to hide this, and give the consumer a disadvantage.

I purchased my car in June. The same day I bought the car, I called my insurance to have the car added to my policy. Around February I received letter stating they were unable to verify my insurance so they were adding their own insurance to my policy, increasing my monthly car payment. I immediately called to advise that I have had full coverage the entire time I owned the car. I made several calls to my insurance and to GE to have my current policy sent to them to be confirmed. After several calls it was finally figured out that they needed confirmation that I had coverage from 7/1-8/9, that was where the lapse was shown. I called my insurance to have them fax this information to GE. They sent this several times, but GE was not receiving it. I emailed the declaration page myself to GE on 2/17 to the email address they gave me, *** and still they were not getting it. Between countless emails and calls to my insurance agent, and GE, GE finally received the information needed and sent me a letter on 3/5 saying they had received what they needed and that a full refund would be sent to my account and the insurance they placed would be taken off my account. The letter also says they would be correcting my credit as they had reported me to the bureau. The letter states my monthly payment would go back to my original loan amount of $413.18 on 4/25. My credit has been destroyed and dropped over 80 points because of this. I have never once missed one payment since I have had the car. I have since called GE several times to see when my credit would be fixed as promised in the letter, an no one can give me an answer. I was told it can be up to 6 weeks and that they have on file that the issue was corrected and it would all be updated. However, I am still being sent letters and receiving calls saying I am being charged late fees and my credit is still being reported as this has not been fixed. My normal payment is $413.18 per month. I checked my account using the GE Credit Union application and it says I owe a balance of $516.13, although I have never missed one payment. I am still being charged late fees I was promised in writing I am not responsible for. I need my credit fixed now. I worked too hard for too long to get my credit where I was happy, and this happened. And it was in no way my fault. I was not able to get anywhere by calling so this was my last resort.

On February 24, my husband, ***, called the Fairfield GECU location to apply for a car loan. A representative by the name of Che'Ann took the application over the phone. Since we have not filed our 2020 taxes yet, Che'Ann asked him to bring in a profit and loss statement from his daycare, which has been in operation since 2018, as proof of income from 2020. Che'Ann then called my husband on February 26 to request that he bring in tax returns from 2019 as supporting documentation. At some point, *** advised that I would be calling to add my information to the application since I have a higher credit score. I called on March 2 and spoke with, I believe, Amoud. After taking my information he informed me that our application was denied. The reason was, since we had not filed our taxes for 2020, we "could not prove our income." I asked to speak with a supervisor because (1) we could, in fact, prove our income, (2) we are both credit worthy, and (3) if the only documents they accepted were tax returns or W2s, then why didn't they advise both of us of that PRIOR TO running our credit. Amoud was too busy talking over me trying to explain net income versus gross, which I found to be rude and an insult to my intelligence. My issue was not how much ***'s daycare brought in, my issue was that he could provide W2s from his full-time employer along with supporting financial documents to show that he made over $130k NET from the daycare in 2020, in addition to my official court entry showing my salary as a staff attorney with the court of appeals. Yet, Amoud continued to talk over me as if I were an idiot. Then he said "You can apply again after you've filed your taxes" to which I responded that I refuse to let them run my credit AGAIN. I then asked to speak with a supervisor and conferenced *** in on the call. I called *** flustered because I would never waste an inquiry on my credit. *** then contacted GECU to find out why I was being told something different than he had been told. He informed the representative, Michael, that Che'Ann requested the P&L statement in lieu of tax returns since we had not filed our taxes yet (I mean, it was February). As *** began to explain the frustration in that Amoud told me that there was nothing further that we could provide to prove our income, Michael became extremely rude to the point of becoming indignant, and angrily stated to *** "why don't you just bring in your 1099?!" *** felt extremely disrespected by Michael's tone and mannerism - awful customer service. Today, *** took his 1099 to GECU only to be told that it would not be accepted and the application remained denied. When *** explained to the lady the whole scenario, she stated that she was sorry that he was given misinformation. He responded "Sorry didn't do it" to which the lady stated "Well I didn't do it either." Again, poor customer service. *** was then told that we could apply after we have filed our taxes. *** explained how ridiculous this was, reminding her that he has another loan AND a significantly high limit credit card with GECU. The lady paused, but then offered another empty apology. *** expressed his frustration as we would have never applied had we known that they only accept tax returns or w2s as proof of income. As a side note, we would only be able to provide bank statements, P&L statements, and/or 1099s as I had been self-employed from 2017 until last month and *** owns a daycare. As such, the only W2s that could be provided was from ***'s salary from the high school, which was around $42k in 2020. I do not appreciate not being fully informed of the documents required for the loan AFTER to GECU processed my part of the application. *** and I certainly do not appreciate not being PROPERLY informed of the documents required for the loan from the beginning. GECU misrepresented what the criteria was by telling *** to submit other documentation in lieu of the 2020n tax return. When I asked Amoud why didn't he ask me if I had filed taxes for 2020, he said "We don't ask those types of questions." I replied that this is terrible customer service because if tax returns are a requirement, GECU should be ensuring the applicant has that documentation BEFORE running the application and making unnecessary inquiries on the applicant's credit. That would be the prudent thing to do. However, regardless of how much we have explained that we were not properly informed of what was required and that we can, in fact, prove our income, in addition to being led to believe that the documentation provided would suffice to prove that our income-to-debt ratio warrants approval of the loan application, GECU simply was not interested in making it right.