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Navy Federal Credit Union Complaints - Bad manners in which they treat their customers

Review all Navy Federal Credit Union complaints

Navy Federal Credit Union

Posted: 2006-10-24 by Beckatan  [send email]
Bad manners in which they treat their customers
Complaint Rating:  55 % with 11 votes
I would like to file a formal complaint against a branch of Navy Federal Credit Union. The bank manager assured me that she would return my call with information regarding a complaint I had made. She did not call me back and so several hours later I called, again on hold for over 30 minutes, and she had left for the day...again, most unprofessional. I then asked the secretary for the number and address to the corporate office. I was given a number and the address. The lady whom I spoke with informed me that she was giving me the number to the corporate office, and actually what she gave me was the number to the main line. Then I called, again on hold, and spoke with a Barry McKnight who informed me that there is no way to transfer me to the corporate office. His exact words are as follows: members cannot be transferred to the corporate office" and "there's definitely there's no way for you guys to talk to the president" and only offered to transfer me to the supervisor. I then hung up. This is the most perfect example of piss poor customer service. This company most assuredly is not living up to it's own code of ethics and certainly does not deserve any award for excellency. I think someone in this company should pay more attention to the manner in which they treat their customers.


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 59 days ago by   Trying to do the right thing999. +1 Votes
Well I thought that Credit Union are suppose to mitigate there losses. Not NFCU i am currently in short sale with my home i owe $190000 got and offer of $188000. NFCU sat on the offer for 4 month and the was just retracted. Now they what to approve a lesser offer of $140000 and come after me for the balance this cannot be right?
 59 days ago by   NFCU Collector 0 Votes
loll lol, wowwww. Christalyn! girl whats the matter with you. you dig yourself in a hole and blame nfcu? PFM is a great free program nfcu offers you for long term hardship assistance and when you get in the program it closes out the credit card, which is done for a reason: so you wont use the credit card anymore! i said it before i'll say it again, people like to always blame their irresbonsibilites on the instittuition, I guess that's human nature these days. I wish you stated what you wanted NFCU to do for you. All you guys on here complaining are lame. NFCU offers lower rates for your loans, higher rates for your checking/savings/CD's, and lower OD fee's compared to the standard brick and mortar bank and you guys are still complaining. unbelieveable.
 59 days ago by   Proud Member and Employee 0 Votes
WOW! Chrystalyn, did you read what you wrote? YOU run up a debt, refuse the assistance from the lender, then they close your accounts so that YOU will not increase YOUR debt to them, and you bleat to the world that you think that NFCU should pay YOUR debt. You follow up your statement by threatening a class action lawsuit! It's laughable. Ask your Mom or Dad to read your entry. Let them have a chance to see how underinformed and mislearned their daughter is. I feel sad for them. No do overs, no second chances. You will have to do with the brains you have now...UNLESS YOU WANT TO MATURE AND ACCEPT RESPONSIBILITY FOR YOUR ACTIONS. From the time that you accept responsibility for your actions, your life will improve. Why? Because you will learn from YOUR mistakes and not repeat them, thats why. Good Luck to you Chrystalyn on your long journey to MATURE adulthood.
 60 days ago by   Christalyn Thompson 0 Votes
Navy Federal Credit Union does not follow their motto. "Excellence" I do not know what their definition is for the word, but NFCU does not follow what they represent. I have been a member for over 15 years, lost my job, wasn't late on my bills requested assistance with personal financial management team and refused to use their help. Navy Federal Credit Union Closed my credit card and loans, and froze my navchek line of credit. Making my situation worst. I feel like since they closed these accounts that was current they should have to pay them. None of my accounts now benefit me only NFCU. Tell what that sound like, but a class action law suit.
 67 days ago by   NFCU Collector 0 Votes
there are complaints for every freakin company in this world. no company has customers who are all 100% happy with their products/services, so I am not surprised of this complaint board about NFCU at allll. this is expected and normal. as an employee, I do not think that most of these complaints on here are "fair". lack of knowledge about a company's products/services kills.
 67 days ago by   kozaru 0 Votes
The captain of the Titanic saw the tip of an iceberg and was equally dismissive of the disaster lurking beneath.

By my count it's over 20 complaints on this board alone, with an average of 2-3 folks chiming in with similar dissatisfaction on each entry. That doesn't count the number of complaints on similar boards such as consumeraffairs.com, ripoffreport.com, bbb.org. But you can go ahead and keep rearranging the deck chairs on your Titanic and keep telling yourself that everything is going well.
 67 days ago by   Proud Member and Employee 0 Votes
Yeah, who'da thunk 5-6 people would be upset enough out of 3+ million to actually press fingers to a keyboard to express their dissatisfaction. I'm thunkin' that's not a huge percentage.
 72 days ago by   kozaru 0 Votes
Yeah, quite a few "complaints" on Complaintsboard.com. Whodathunkit?
 72 days ago by   NFCU Collector 0 Votes
"complain", lol thats all you know dude. seems that's the only word your mom thought you. complain, complain, complain. all your posts have that word in it. maybe a little common sense and responsibility would help. and I laugh at those links you post. one of them is a page some bum made, the other is BBB.org which is known as one of the most corrupt sites and the other I didn't even bother to click and don't even care. instead of "complaining" left and right and telling people what to do why don't you. and lol at nfcu "taking" your money. its money you OWE us. we don't take nothing. everytime i see your post on here makes me want to puke, lol
 72 days ago by   kozaru 0 Votes
Regardless of the above poster's comments, I recommend filling a complaint with the Federal Trade Commission. Let them determine what course of action to take.

Also, change to a different credit union. NFCU can't take your money if you switch to a different financial institution. Find a smaller local credit union, you'll be glad that you did.
 72 days ago by   NFCU Collector 0 Votes
Laid off mom, I'm sorry to tell you this but you are wrong. I know Joseph List and I do work with Kerry. I hate to break it to you, but you do not have a good case to get an attorney. I will tell you what I tell all other members who complain the same thing you are. According to the prom note that YOU signed, it clearly states NFCU has the RIGHT to trnsfer funds without your authorization when an account becomes delinquent. YOU SIGNED IT! you have no case! good luck with the attorney, he will tell you the same thing. Also, I do not know the status of your account, but I can tell you this. NFCU would NEVER take money from your account if your accounts are up to date. I'm sure something was delinquent. As far as extensions go, they are not guaranteed and not all of our members qualify for it and yes INCOME is required. We are more than willing to help out our members in times of financial crisis but there are also some requirements. I'm sorry, but Joseph and Kerry were right. I do my job well and have become an expert in my field as a delinquency control counselor. From what I heard from you, you do not qualify for an extension at this point and the credit union does need to protect its assets and has the right to transfer funds without your authorization. Again, its in the prom note. If you don't believe me go to your branch and ask for a copy of it.
 72 days ago by   kozaru 0 Votes
Laid-off mother of 3:

I recommend:
https://www.ftccomplaintassistant.gov/

I also recommend filing a complaint with:
http://www.bbb.org/

For more info on NFCU's suckage:
http://www.navyfederalsucks.com/

I am sorry to hear about your bad experience with Navy Federal. It seems quite typical these days.
 72 days ago by   Laid off mom of 3 +1 Votes
I have a loan with Navy Federal, I called this morning to get an extention on my loan. I was recently laid off my job and I haven't recieved my first unemployment check. Navy Federal transfers funds from my account on the 1st and the 15th. Today is the 12th, I called trying to be pro-active and informed them, that I just got off the phone with the unemployment office and was advise that it takes 10 business days or more before recieving my 1st check and I wanted to let them know that the funds would not be there for the 15th... I asked the gentlemen to stop the automated transaction for the 15th since I knew I was not going to recieve my check within that time. I also asked if I could be granted an extension or a deferment, he transfered me to another loan rep "after" deleting the automated transaction, I spoke with a prick name Carrie whose primary concern was... your account will be past due. When will you make your next payment...while trying to find some humanity in this witch, after trying to explain to her 50 times that I lost my job along with half of California... and do not have any money right now. The whole purpose of me being transfered to her was to apply for a extension or deferment... after she informed me that I did not qualify for the extension "BECAUSE I HAD NO INCOME"... I rebuttled that comment for 20 minutes then told her to have a good day. I get to the bank to discover that Carrie had taken out 235.42 from my checking account. Only 117.00 was due on the 15th. Today is the 12th, I've already paid half of the 235 on the 1st... I asked to speak to a supervisor and he continued to discuss arrangements for the payment due on the 15th. After they took more than the amount due from my account WITHOUT me authorizing it. Instead of Navy Federal offering suggestions on how to keep your account current when you lose your job, their primary concern was WE NEED OUR PAYMENT... The supervisor Joseph List was rude, did not listen to anything I had to say, continued to interrupt me and did not want to resolve the matter, he continued to press the delinquent issue on a bill that is not due until the 15th... I asked how to file a complaint with the rep Carrie whom I am sure removed the funds without my authorization. He told me I could state my complaint with him. They did put my funds BACK into my account, but gave me hell for something they did without my consent. Not only did she take out MORE than the amount that was due BUT she did it without me authorizing it. They were very unprofessional, SAID EVERTHING BESIDES THE FACT THAT THEY WERE WRONG. I have never been late on my loan or any other bills, I simply lost my job, tried to stay on top of when I would recieve my first check and then I simply called every creditor that I new was due. Navy federal was the ONLY ONE that gave me problems. Then tried to take their money before the due date. This Carrie person looked into my checking account saw that I had 250 in there and took the last money I had and applied it to my loan 3 DAYS BEFORE THE LOAN PAYMENT WAS DUE. I would like to file a lawsuit. I am beyond upset... all while speaking to the supervisor NO ONE APLOLOGIZED. I even asked Joseph, sir what amount is due on my loan today... he advised NOTHING... so I asked WHY WAS THE MONEY TAKEN FROM MY ACCOUNT TODAY, IF THE PAYMENT WAS NOT DUE TODAY? He simply replied Carrie was ONLY trying to protect NAVY FEDERAL. Not one suggestion was made on how to assist customers in their time of hardship, every creditor I called, either made payment arrangements with me or deferement my payment, even my auto loan was deferred. LOSING MY JOB WAS STRESS ENOUGH! HAVING A BANK TAKE UNAUTHORIZED FUNDS FROM MY ACCOUNT TO "PROTECT" THEIR ACCOUNTS 3 DAYS BEFORE THE PAYMENT IS DUE IS B/S and they have not heard the last of me. I have already begun to contact attorney's regaring this.
 72 days ago by   NFCU Collector -1 Votes
we can argue with these angry members all day long. but if they were employees at nfcu, they would see we are right!
 72 days ago by   Proud Member and Employee -1 Votes
badmofo,
Thanks for leaving.
I know that you think of yourself as a calm cool communicator. The use of all caps and the tone of your comments say it all. Now for just a little clarification. NFCU is not a military organisation. I do understand what you mean't. You mean't to say that NFCU is an organisation that SERVES the military. I'm sure that is what you mean't. Let me explain something to you. I am a retired Navy man. NFCU turned me down for a loan once. I asked "Why?" The young man explained to me that I was asking for too much money. {Actually the seller was} This empowered me to challenge the seller with this information, and he lowered the price to a more reasonable amount. Now, I was a little immature. I was embarrased to call NFCU back to reapply for the lower amount, so I went to a local bank. I was however, VERY GRATEFUL to Navy Federal, because they saved me OVER two grand. Now that's customer service. Some members actually get upset when they are turned down for a loan for that same reason. It's one of those blessings in disguise things that mature people welcome. Thanks Navy Federal!

All other interested parties...

In general as the world falls apart around us, and our lives start to suck after working so hard for so long, we tend to take our frustrations out on just about anybody else that we can. Especially people that we think are in a lower station in life. I was "advising" a member once and he got snappy with me and "advised" me that I was "Just a lowly call center jerk". Yeah, I was sad to be treated that way. Yes, I really didn't like it. But he chose to treat me that way, and I am sure he did not take my goof faith advise to heart.

When I got hired on at NFCU, I was gassed! I had assumed that ALL members felt the same was as I did about NFCU. NFCU has been the only "bank" that I use for over 20 years! But let me tell you something...very early in training you get to sit in on the phone calls and listen to what's goin' on. I went back to the classroom in shock! I mentioned to the trainer that about 10% of the callers were extremely angry and treated our agents very rudely. The instructor did not hesitate or skip a beat. "Treat ALL membership with the respect they deserve" That's the NFCU policy. In other words even if we are being treated poorly, ignore it and keep serving the member...with respect. I know from peer pressure "for lack of a better term" that ALL career NFCU employees adhere to that maxim. Sure, there are a few bad apples. As "NFCU collector" boasted, there are no layoffs at NFCU. That is true. It gives great comfort to those of us who go to work each day pledging to do our best. But guess what, our calls are randomly monitored. And yes, if you have a "habit" of treating the members rudely, it will be revealed, and you will be canned. No there are no layoffs, but there are plenty of empty seats due to s few bad apples attitudes. They get caught, and get let go. If a member complains, and that random call was monitored, that agent will be booted. Our management does not tolerate disrespect to our membership.

Spouse wants me to go now. Sorry had much more to say...maybe later.

Now let me give you an example
 84 days ago by   badmofo +1 Votes
AS A MILITARY MEMBER (NAVY) IT IS EMBARRASSING THAT THIS INSTITUTE CAN EVEN EXIST LET ALONE REPRESENT ITSELF AS A MILITARY ORGANIZATION. THIS IS ONE OF THE WORST ORGANIZATIONS I HAVE EVERY HAD THE DISPLEASURE OF DEALING WITH. BEING RUDE AND HAVING AN ATTITUDE SEEMS TO BE A PREREQUISITE FOR WORKING THERE. IT IS NO WONDER THEY ARE UNHAPPY THEY HAVE TO DEAL WITH PEOPLE WAITING IN LINE FOR 45 MINUTES. THAT IS RIDICULES AND IM GIVING THEM MY MONEY? I HAVE NEVER BEEN HAPPIER THAN THE DAY I LEFT.
 90 days ago by   NFCU Collector -1 Votes
sorry bro im not quitting or going anywhere. i am moving up pretty fast at nfcu and have proven myself as the best counselor there ever since I got hired and am well known. currently training as a supervisor and then manager and hopefully vice president down the road. but sorry man, all my statements were facts. I don't know what industry you work in or how much u know about banking. seems like you know quite a bit though when u mentioned discounted cash flow and time value of money. as a finance major, you impress me. but facts are facts and I stand by my words. again, whether u like it or not thats the bottom line. and about late fees, be thankful that nfcu charges less than banks. cant really complain when banks charge over $30+ and nfcu charges $25. besides, late fee's and overdraft charges are things that can be avoided and the credit union is not to blame for irresponsibility. all banks and credit unions' employees nfcu or not agree by my statements because we work there and know the ins and outs. as members and customers I know where your coming from and the truth does hurt sometimes. all I have to say man is sorry for your unfortunate experience. I wish you the best with your other banks.
 90 days ago by   kozaru +1 Votes
I ride a bicycle to work every day, but I think NFCU Collector has me beat with all of his backpedalling!

First impressions are lasting, as they say. If you come on here and address people on here in a condescending tone and then later become recalcitrant people are only going to remember the guy who came on hear making fun of the unemployed people on the other end of the phone and not the reconciliatory statements made later.

I like this one: "[I]f anyone is not happy or has complaints, just don[']t deal with NFCU anymore and find another bank!" Classic. I read today that Navy Federal had 166, 000 new members sign up year to date. I also read in USA Today* that last year NFCU made $65.30 per member last year on overdraft, ATM and credit charges. Guess what? That's $10, 839, 800 dollars if they are collecting fees at the same rate this year. Why does a non-profit have to charge fees at such an exorbitant rate? Is that looking after the membership, or looking out for the bottom line?

Presidents and CEOs BETTER be concerned with where the rank-and-file membership deposit their money. It's called Discounted Cash Flow, Time-Value of Money, and Risk Premium. People who take their money elsewhere diminish NFCU's cash flow, restricting the source of capital that their investment group has. Enough people get fed up, and cash flow decreases. Also: We stop fighting foreign wars and cash flow goes down as well, as NFCU is an indirect beneficiary of the Industrial Military Complex and, by default, profit from war-making as well (but that's a different subject!)

Now, it was stated by NFCU Collector that members don't understand how banking systems work. Only a myopic lower-level functionary would fail to see the importance in keeping members banking with NFCU, instead of making statements like the aforementioned "just don[']t deal with NFCU anymore and find another bank!"

I'm thinking someone should quit while they are ahead.

Source: http://www.usatoday.com/money/perfi/credit/2009-08-03-overdraft-fees-credit-unions_N.htm
 90 days ago by   NFCU Collector -1 Votes
applysauce,

if i said members are "always" wrong I didn't mean that. I work in collections so I can only say what goes on there. and it is true though, they are wrong most of the time when they call in. really its not about right or wrong, its not that their really wrong, its just that they dont know. now dont take this personally, I am not talking about you in particular, in general i mean. and by laugh, I think u took it the wrong way. not laugh as in a way to make fun of. but laugh as its just funny on what they tell us. i don't know if u ever worked in customer service, but it sucks and people get on your nerves. hey we try to do our best and serve them the best we can, but when they dont listen and let us talk and use profanity, u can't really blame us. this complaint board is common with every company. every business in the world u have happy and dissatisfied customers, so this is nothing new, its something I expect. and honestly, I don't get the point of this complaint board. whether or not people complain on here, I don't see how it changes anything. maybe someone might read it and not decide to become a member, but thats all. it will have no effect on the company. its really simple, if anyone is not happy or has complaints, just dont deal with NFCU anymore and find another bank! once again, all the complaints are case by case, so just because its a complaint doesn't mean the complaint is legit.

Beckatan,

she was right about no way to speaking to the president, i don't know a single company where a president speaks to its customers/members. does bill gates? or any president for that matter. president is busy as is, besides why should he when their are supervisors. If supervisor can't help then I'm sorry. I get calls sometimes asking to speak to someone above the supervisor which would be the manager then president. their job is not to talk to members. if i was president, I surely wouldnt want to speak to a cusotmer, chances are they would use language im sure the president wouldn't want to hear. and as far as complaints go, post them here lol and not through corporate office or brnch.
 90 days ago by   kozaru +1 Votes
Applysauce:

Make sure you check out my blog: www.navyfederalsucks.com as it gives you a much better picture as to how big NFCU's problems are. I think our resident disgruntled misantrophic NFCU Collector is just the tip of the iceberg.

By the way: The tips of icebergs are GOOD things, as they show people where the problems lie waiting beneath.

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