Business Profile

Credit Union

Jovia Financial Credit Union

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Initial Complaint
02/04/2025
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I had fraudulent charges debited from my Jovia financial checking account through *********. I disputed the charges through ***** & then Jovia. Jovia sent a provisional credit while a investigation is done of $2700. The third party company a month later decided that the charges were correct & jovia said they would begin to take the money back. After speaking to & getting permission to record convo with *** from *****. They state that they determined all transactions disputed were fraudulent and the total amount given back was $3816 this was sent to Jovia bank. ***** claims that money never hit our account, even though we have provided them with numerous bits of evidence that we are due back this ********** was sent to our account. After numerous attempts to resolve with jovia, we have spoken to bank ***resentatives, bank managers, member services, card services & no one will help us. ***** H @ syosset ******, ****** supervisor in member services, ***, all have provided no answers or solutions to resolving this issue. This has affected my family greatly & the inability of Jovia to recognize their error(believing the 3rd party investigation) & not providing us with a financial resolution close to satisfactory is terrible. We need help in getting them to have a qualified ***resentative resolve this matter
Business response
02/07/2025
After a full case review with member, as well as the merchant involved, member has been made whole. Any further concerns will be addressed by Jovia's Card Operations unit.
Customer response
02/07/2025
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
12/30/2024
Complaint Type:
Billing Issues
Status:
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.
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. 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. 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.JOVIA FINANCIAL FCUDate:12/5/2024 Acct#****************
Business response
12/31/2024
Please reach out to Jovia FCU as we require additional information documentation to process the ** theft claim.
Initial Complaint
11/08/2024
Complaint Type:
Billing Issues
Status:
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.
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:$15672 Date:7/8/2024 Acct#****************
Business response
11/08/2024
Inquiry forwarded to Jovia **************** for consumer contact.
Initial Complaint
11/08/2024
Complaint Type:
Billing Issues
Status:
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.
I reached out to Jovia via live chat on October 30th at 4:37 PM, and the representative assured me that the transfer would not process because my account was inactive. This made sense since I hadnt done any transfers with Jovia in over a year. Yet, on November 6th, the transfer that they guaranteed wouldnt go through did process, causing my ***** account to go into overdraftand now Im facing a $35 overdraft fee thats completely on Jovia.On November 7th at 9 AM, I called and spoke to *******, who verified my identity, confirmed the account was closed, and had no explanation for how this even happened. She said a manager would contact me that same day. By 5 PM, I still hadnt heard anything, so I called Jovia again. This time, I spoke with *****, who read the notes and stated that the funds would be returned in five business daysbut that doesnt address the overdraft fee Im now stuck with. ***** brought in his supervisor, *****, who simply repeated that the funds would be returned in five days but couldnt explain why the transfer went through on a closed ****************************** needs to issue me a $35 check to cover the overdraft fee that I incurred due to their error. I was proactive and reached out beforehand, and they completely dropped the ball on their end.
Business response
11/08/2024
The original $50 transaction will be returned to the sending financial institution today (11/8/2024). In addition, Jovia will send a check for $35 to the address on file on 11/12/24 to cover the overdraft fee.
Initial Complaint
10/30/2024
Complaint Type:
Billing Issues
Status:
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.
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. Inaccurate Information on my credit report is causing me financial distress. JOVIA FINANCIAL FCU Amount:$18375Date:9/9/2024 Acct#**************************************************************************** FCU Amount:$15000 Date:9/24/2024 Acct#**********
Business response
10/31/2024
Inquiry sent to Jovia **************** for review and member contact.
Initial Complaint
10/30/2024
Complaint Type:
Billing Issues
Status:
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.
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.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:$15000Date:9/24/2024 Acct#****************************************************** FCU Amount:$18375 Date:9/9/2024 Acct#****************
Business response
11/15/2024
Jovia **************** has been attempting to contact member to discuss. No return calls from consumer as of yet.
Initial Complaint
10/29/2024
Complaint Type:
Product Issues
Status:
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.
Jovia has given me the run around more times than I can count for paying out my checking account bonus. I completed the deposit of $100 and all terms according to the enrollment email I received. After 30 days, according to their terms, I shouldve received the bonus. That was two weeks ago with no update. After contacting support numerous times, they provided me with some new terms that I never enrolled for trying to not pay out my bonus. In their secure email, I provided them screenshots of the terms I received in the form of an email, and they then decided to ghost me and not respond. I was promised a payout of the bonus weeks ago through their chat support. I am tired of dealing with this every week of false promises and getting ignored. I have filed an **** complaint and hopefully, they decide to respond to me.
Business response
10/31/2024
A change to the criteria supporting this promotion was made on 9/1/2024. However, member met all criteria of prior promotion when account was opened, therefore, bonus and was manually deposited to his account on 10/30/2024.
Initial Complaint
10/04/2024
Complaint Type:
Billing Issues
Status:
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.
There is a fraudulent inquiry on my transunion report from this company. I am uploading a copy of my ID social security card and FTC Report. This is the 2nd time im making a complaint. tell JOVIA they need to REMOVE!!! the fraudulent hard inquiry ALREADY. Unreal. Im a victim of identity theft and never applied for ANYTHING FROM YOU.
Business response
10/18/2024
After a full review, Jovia will have the credit bureaus updated within 48 hours. Please allow 30 days for the bureaus to update on their end.
Initial Complaint
09/03/2024
Complaint Type:
Billing Issues
Status:
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.
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.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. According to 15 USC 1681 have the right to privacy According to 15 USC 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 USC 1681 I have the right to privacy According to 15 USC 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. Inaccurate Information on my credit report is causing me financial distress JOVIA FINANCIAL FCU Amount:$25115Date:6/28/2024 Acct#**************************************************************************** FCU Amount:$24620Date:7/17/2024 Acct#****************
Business response
09/03/2024
Information forwarded to Jovia's **************** for review and reply.
Initial Complaint
08/14/2024
Complaint Type:
Billing Issues
Status:
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.
I found a hard inquiry on my credit report on 08/12/24 from Jovia Financial FCU. I do have any accounts with the bank, nor have I attempted to open any accounts with them. I contacted the bank via live chat, and they stated that someone attempted to open a personal loan with my information and it was flagged. I have emailed their fraud department and have tried to get in contact with someone over the phone for more information and to have the inquiry removed from my credit report and all three credit bureaus, but I have been unsuccessful in getting in touch with anyone. I have filed a report with the *** for fraud. I would appreciate it the company would remove the hard inquiry from all three credit bureaus.
Business response
08/28/2024
Jovia's has removed the inquiry from all bureaus. Please allow up to 30 day for each to update their records.

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