Mortgage issue with Emery Federal Credit Union of Cincinnati OH Kemper Rd

we had a very poor experience with Emery Federal Credit Union of Cincinnati Ohio, Camper Road. We were contacted by Emery Fed of Cincinnati to refinance with them for 3.25 VA Mortgage and we wish we never responded, a very bad experience, resulting us to contact the National Credit Union Administration, Office of Consumer Protection 1775 Duke Street Alexandria VA 22314-**** and we filed a complaint with them. We ended up going with Quicken Loans and we are very satisfied and were treated professional. If you feel you were scammed, or, by Emery please contact the National Credit Union Administration at the above address as we did. Sincerely, Klaus Kapke
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Unwanted automated call back

I started a refinance with Emery. Decided to go with someone else. Got calls to check on my request. After the third call I was told I would be put on the do not call list. I still get automated calls all hours of the morning and day. I have called to get this fixed. No one can do it. I was sent to 4 different people with no results in one phone call. Forward to another building, another person, connected to a secretary not in the same office and given more numbers to call. No one knows how to fix the problem.
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Demone Yjd
map-marker Montebello, California

Very poor,poor and dissapointing service

Started a Loan with Emery way back in November of 2012, at the time I was on an going loan with Quicken, I was convinced by Mr. David Neihaus, senior loan processor with Emery that they will do a better job, up to now July of 2013, , we have not closed and the rates had gone up, Mr. Neihaus is a very poor communicator, I submitted all the needed requirement of a Harp 2 loan way back in January, I was constantly calling and emailing him, but does not and did not have an answer from him, no explanation on why the long , long delay,.
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map-marker Chesapeake, Virginia

Worst Professionalism Ever

My husband and I considered doing a re-finance loan with this company but after receiving another offer decided to go with another company. We contacted the loan officer and thanked him and told him we didn't wish to go further with the company. Of coarse the gentlemen refused to take no for an answer and after trying to converse with this man we eneded up hanging up. Daily they still call us and we tell them No thank you and we are not interested, talking over them because they want to talk over us to hear what they have to say. Today they called me 3 times repeatedly after after I had to hang up on him, after I told them no, no thank you, please stop calling us. I even told them it was becoming harrassing what they were doing and I was going to record the phone call from here on out. The lack of professionalism with just the phone calls I receive is enough for me to be satisfied that I never let them get their hands on my money and deal with them monthly for a mortgage loan. Beware People, Beware!
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map-marker Cincinnati, Ohio

Emery Federal Credit Union -Very Poor Service

We closed an account for our daughter who was away at college. We obtained a check for the balance remaining in her account so she could open a new banking account more convenient to her while attending college. This was all done in person at the main office of the credit union. A few weeks later we received the attached letter threatening "aggressive legal action" to recover $4.00 they say is owed. This was the first information received concerning this $4.00. For years we have maintained multiple other accounts with Emery Federal Credit Union. All it would have taken would be a phone call to advise there was a problem. If the $4.00 was a valid fee/debt we would have been happy to pay it. Anyone who is still a customer of this organization should very carefully weigh the fiscally responsibility of a banking organization that would undertake legal action on a $4.00 debt. Even if they are bluffing, what kind of customer service is demonstrated by such actions?
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We recently had our house refinanced with an

FHA Streamline loan. We went with Emery Federal Credit Union in Satsuma, AL., and our agent was Mr.

Don Duncan. Mr. Duncan is one of the nicest and most helpful person we have met. We live in Prattville, Al and he drove

all the way to our house to talk to us and bring the papers for us to sign.

He called or e-mailed me almost everyday to let me know how the loan was going. We closed our loan in about 3 weeks.

I called him if I had any questions and he always answered his phone and answered my questions. I would recommend anyone refinancing their home to do business with Emery Federal Credit Union.

reply icon Replying to comment of Guest-535439

Thank you for this review. I'm considering a refinance through the same program and this was helpful. :)


Sounds to me like we have a failure to communicate. Kind of like telling a client that a FHA Streamline Refi will take 7 to 10 days five weeks ago.

Customers would be more understanding if the communication channels remained open. But when you call back and only get busy signals, it is even more frustrating.


absolutely true Kirk..., I was a loan officer at Chase for 20 years and this frequently happened, the more properties that you own , especially now with the FNMA/FHLMC reserve requirements the more complicated the process, I am coming on board with Emery because they really do have a good reputation, and have the ability to broker out to other lenders as needed..bottom line today, is that every individual loan and applicant are different, and at least for now, this is how it is, we all have to follow the federal guidelines, it's not like a underwriter is picking on one indiviual applicant.


I am a loan officer with Emery Federal and was doing a little research into what people were saying about us. While most was positive, this one above is obviously not.

I have done many loans with multiple properties and they are complicated and take longer. Plus underwriters sometimes change a properties status that alter the loan. Many times on a multiple property loan, you are sent back to the drawing board. I have also seen an investor change their guidelines in the middle of the process.

This is a very volatile time in our industry, and things change every day.

Remember that loan officer didn't get paid unless he funded the loan. Deals do sometimes fall out of escrow for a combination of reasons and it's easy to blame the lender when it happens.


Please be carefull of this mortage company 6 weeks into the process and Justin F calls me to tell me that I own to many houses and they can not fund the loan. He knew how many houses I owned from day one and how many loans I had.

Not very cool to be at the end of your escrow and getting slammed when they had the proper info. Please just be carefull obvious they have a poor knowledge basw of new laws.

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