Navy Federal Credit Union [NFCU] review: Bad manners in which they treat their customers 99

I'm active duty..I can't believe what i am reading about this Institution. If i only knew this is what i was signing up for in bootcamp. (seems mandatory). NFCU sorry to say doesn't care. im going to do everything in my power and network to make sure that their name is associated with . We make the bank. They seem to have forgotten that. The fact that they would help themselves to your money without notification is robbery... I just recently started school. Some ### Wade Parker in Vienna, VA decides that my chp33 money should go on a car loan and not school or basic necessities for life. Where are your ethics? Morale code? You ### ever heard about a debt consolidation loan? Word of mouth is the best advertising u can do. to everyone complaining i feel ya life goes on though...just make sure everyone u know hears about what they are doing to there Military service members. run a small ad in your local paper you are not voiceless. I'll be doing so in Houston, Tx, Norfolk, VA, Bethesda MD jacksonville, NC and San Diego, CA. Too many active duty service members accounts have been RAPED by NFCU... They are GOING to get the POINT!

I use Navy Federal Credit Union and I love them. They bent over backwards for my family.

Listen to me and listen to me good. I am not just some young buck giving you bad advice. In fact do yourself a favor and keep looking at all the complaints against Navy Federal Credit Union. They are up to no good. As far as loans go. If you are one day late, they will take money from your checking account and even savings account and pay towards that loan no matter what. They will charge you fees even after only one day late. I am telling you back out of the loan. Go to a small time bank in your area where you will be treated properly. I know about Navy Federal because they have done this to me and other people just like me. I am planning a lawsuit against them as soon as I get the information and documents I need.

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?

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.

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.

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, /link removed/ 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.

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.

Yeah, quite a few "complaints" on Complaintsboard.com. Whodathunkit?

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.

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.

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 ### 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.

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

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.

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

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.

I actually didn't have a complaint about Navy FCU but was researching their loan products and came upon this page. Now I am extremely apprehensive about using their products after reading NFCU Collector's comments! Wow, a company rep laughing at customers? A company representative that says the "customer is always wrong?" Yikes - if this attitude exists at Navy FCU and they are proud to project this - everyone run away! I'm going to send this on for others to see... never seen anything like this before.

NFCU Collector:

I stand by my original post. You still have a condescending tone when describing how members "don't understand how the banking industry works". I'm glad you remember your quote where you stated "the customer is always wrong". I have quoted you on my blog as an example of why my Navy Federal experience has gone down the toilet in recent years. The fact that you don't see this as a problem only buttresses my point further.

If it is maturity that you are trying to display, you will have to delete a few more lines. I'm thinking of the lines where you "LOL" at 30-year members too frustrated to do anything but vent on the internet. Or the lines where you poke fun at people with poor credit. Hello? There is a recession out there and people are losing their jobs. To have a person that works in the banking industry making fun of these people makes me a little bit sick, actually.

So, I'm glad NFCU is setting records and not laying off anybody during one of the largest recessions in history. I'm glad that is how you measure success in a time like this. Just remember where that money is coming from next time you are on the phone with the members who, for what ever reason, are sticking around.

I am actually the nicest rep. there and have never been rude to any member in my one year time there. you should see my coworkers and how they talk. my job title is actualy delinquency control counselor and counseling and helping members is what I do best as opposed to collecting. i just use the name collector as a screen name. i do my job well and members appreciate my help and assitance i offer them. as a matter of fact, I am the #1 counselor there and everyone knows me and i exceed performance expectations every month. I know the ins and outs of nfcu and I can indeed tell you that the customer is not always wrong, their actually wrong most of the time. they lack the knowledge of money and finance and do not understand how the banking industry works. we just do our job just like any other collection agency. btw, loan officers do call members back. i meant to say loan servicing reps dont call members back and its simply because of the lack of time. we in collections, loan servicing, call center, etc handle thousands of calls throughout the day back to back and there isn't just any time. however, we do make certain exceptions and call members but its case by case. i guess one doesn't exactly know until they work there. btw there was a couple of lines that I deleted and didn't think its cool to sound tough online and would like to be as mature as possible.

NFCU Collector:

We, as in the 27 people who have posted complaints about NFCU on this board alone. That being said, I feel comfortable using the 1st person plural pronoun when making statements that refer to you (second person plural pronoun) sucking at customer service, and you (second person singular pronoun) sucking at an individual level.

Be honest with us: You actually enjoy being a "collector", don't you? I bet you get off on all of these sad stories. You feel so good when you call someone and tell them they need to pay NOW. You're in control, you're the boss. You like it, don't you? I can tell because you like to mention credit scores. You like how a financial institution can pass judgement on a person and how you are a cog in that machine. It makes you feel good talking about millions of members, about zero layoffs, about all the money NFCU makes off of its members via fees and interest paid. I like the condescending attitude and sneering. I can see it in the words you choose.

Congratulations on finding a career that suits your inadequate personality, "Collector". You even chose a name that reflects your position. "Look at me, I'm an attention [censored]! Better pay your bills, or I'll lower your credit score!"

Pathetic.

don't say "we" please, its only a minority who wish to not deal with nfcu and its their choice and people like you only make up a small percentage. we have millions of happy members and that # continues to grow every month, and as any other business we also have dissatisfied customers that should only blame themselves for their dissatisfaction its your choice whether or not you want to take advantage of our great rates. i can bet that all the whiners on this forum are the ones with bad credit, hmmm wonder why.

"Loan officers don't call members back". So, the poor customer service these people are receiving is due to official policy and not individual negligence? Good to know. I'll chalk that one up as well, NFCU Collector. By the way: You may think that you are a clever guy/gal, but every asinine statement you make on this board only reinforces the perception that NFCU is laughing all the way to the bank and doesn't give two ### about the membership base it is supposed to be serving.

As far as the person who got NFCU's CEO's name wrong: Do you really think that just because someone is a 30-year member they should know who runs the company? I have been shopping at the same grocery store for over 10 years and I don't know the name of the guy who runs the outfit. Should I be embarrassed by that fact, or should I hold my head high when I walk in there and buy groceries? Like I said earlier, every idiotic comment that you make on here only reminds us of why we no longer wish to deal with NFCU.

LOL @ Curtis Dawson. It's CUTLER DAWSON. I really hope you'r not a 30 year member, its embarrasing if you are. btw, loan officers don't call members back. I work there. why do members always think we should call you? Its your responsibility, why dont u guys call and follow up. I love how all members blame everything that happens on NFCU. Its ridiculous. we continue to set records every year and its amazing in such an economy. ZERO layoffs at NFCU :)

Try getting Loan Officers to call you back. They'll call
to tell you you have a fee to pay.
The Board that won't answer complaints. Ignoring 30 yr customers. It makes no difference to them. Under Curtis Dawson has turned NFCU into a Wall Street
PIG. Perfect Credit and an impeccable record to bad sucker.

What difference do "lower rates" make if you can't get your money because NFCU won't honor a power of attorney? What difference does a few percentage points mean if you are being charged fees left and right? What difference will "lower rates" mean if your checks, money orders, and now California IOUs are put on hold for 5 days?

Navy Federal's one trick pony of "lower rates" is a myth to begin with. I've seen lower rates with traditional lenders and USAA.

Come see the plethora of complains at www.navyfederalsucks.com

all you members who complain and say you don't want to deal with nfcu again, thats fine. your loss. have fun finding lower rates else where :)

To the "I work for Navy ed and its awesome/ you are just upset becasue you are a bad customer" comments. I am a navy fed customer in good standing. I have never missed a payment or had any negative action taken against me. Not to mention impeccable credit. And I am saying they have miserable customer service. They do not return calls and they treat you as you have interrupted something very important (I am the customer... you service me... what is more important?) We are military and had to move because we were transfered. We had to short sale our house due to the economic condition we had to sell significantly lower then what we owed. Now, we said in the beginning we had no problem paying the difference. This being said, papers went missing no one received things we had sent. It got to a point where I was at ups getting them to verify who had signed for the papers. And NFCU was still trying to defend they didn't receive them... then oh wait... "here they are right on my desk" and in some cases needed info from me but never called, it took me calling to ask why things were not moving along to here "Well we still need your blah blah blah." What, am I a mind reader? It came to the point where I called MY bank ( USAA) and they gave me the info i needed the i had to call NFCU to say, oh dont you need this as well, good i just faxed it. OH and with the FAXING! A POA is only good for 24 hours? That is just ridiculous. Navy is in the name of the bank... obviously there is going to be alot of people acting for their deployed spouses. We will never work with this combany again.

Wow . . . I'm glad to know that I'm not the only one having problems with Navy Federal. What I find most interesting is that the people defending NFCU are ignoring complaints that present all the facts clearly. Such as the one posted by the individual who had a problem with NFCU cashing checks he didn't authorize.
My husband and I opened an account with NFCU about six weeks ago. Some of the people we've talked to over the phone have been wonderful, most of the people we've dealt with have been horrific.
My husband had an account with NFCU for about six years before we closed it and opened a joint account. We did this over the phone because there are no branches where we live and we wanted to take advantage of their rates for a car loan. We would have done this online but their website was having issues, not the last time that’s happened. The young lady we spoke with said that because my husband had a pre-existing account they did not need anything from him but I would need to send in an application. We clarified that the only thing they needed was my application. I mailed it in the next day. The same day they print a letter stating that after reviewing my application they noticed that they are missing documentation and to please send one of the below. The below was three checked categories with different options for meeting two of the categories. They were asking for a copy of my social security card, proof of identity, and proof of residency. The letter also stated that there would be a hold on my account until that information was received. They ran this letter through their postage meter four days after they printed it and didn't even get it in the mail until a day or two later. Upon receiving the letter I called and left a message asking if they really only needed one of the checked items, or if, as I suspected to be the case, they needed one of each. I have never received a call back. I sent in copies of all three the same day, several hours after I left the message.
A month after we opened this account NFCU prints very threatening letters demanding signed applications from myself and my husband. My husband application they've had for six years, and mine which was sent in a month ago. Anyways they print these letters and run them through their postage meter EIGHT days later. We opened mine first and I called right away. The rude and unapologetic supervisor I end up with confirms that they'd had my application for almost a month when they printed the letters. He doesn't think that the fact they sent this letter to me or that it took them over a week to mail it is an issue. He also says there’s no one I can talk to and it’s against NFCU policy to give me the name or number of someone who can. When we open my husband’s letter we again end up with a supervisor who informs us that they do not have an application for my husband and never have. I asked him how he even opened an account then and he says well the application must have been lost. I asked why they don't go and look for it and he tells me that they have no where to look. According to Chris they do not keep back up of any kind and their system has recently lost information. Chris however can't help me and he won’t give me the name or a way to reach anyone who can. He repeats that doing so is against NFCU policy. I tried sending them an email that same day, but their website was again having issues. A couple of days later it’s working and at this point I think it’s very important that everything be in writing, I sent them a very detailed email. My email details my problem and requests a final list of everything they need from both me and my husband. No response.
All in all the loan rates are great but I'm glad that all my actual banking is through USAA and in the future I might put up with a slightly higher interest rate and avoid all the drama, lies, and unhelpfulness.

^the above post stated he received rude customer service. in another words, he was in collections. go figure.

I agree with almost everyone on here. NFCU had, by far, the rudest customer service. NFCU employees need to learn their job before going out on their own. I'm always told different things by each person I talk to. I recently decided to close my NFCU and only use USAA, whom I've used for many years and have not one complaint. If you need a Military bank that is going to treat you with respect and give you great Customer Service, go with USAA.

About the endorsement problem. I will bet that you submitted a request for an PREAPPROVED loan instead of a final deal. This is a very common problem. I will admit, that the website is not perfectly clear on the matter. Yes, you do not owe NFCU a penny until the check is paid out if it was indeed an PREAPPROVED draft. But you do owe sombody something. Please keep your payments current wih the lender that holds the lien. You should ensure that you maintain your payments to the previous lender until your draft issue is solved. Normally we just request the lender to contact NFCU for re-presenting instructions. All rules and regulations must be followed by all parties, NFCU is subject to oversight by NCUA and we would be penalized if we treated some people differently than others. By that I mean, make exceptions for some but not all. you know, the equality thing that we all want.

JFrustrated:

You should post your story as a separate complaint on here. A free market economy requires knowledge for folks to make choices. The more complaints posted, the better decisions folks can make about where to put their hard-earned money.

Well, I'm not really surprised that so many people are dissatisfied with NFCU. They just approved a car loan transfer for me from Nuvell Credit but the problem is...they refuse to accept Nuvell's endorsement of the check! So, they've approved me for a loan that they will not assume. Their check has never been cashed so as far as I'm concerned they haven't lent me any money and I won't pay them until they get their act in order. They are expecting Nuvell to endorse the check with a stamp or signature but since Nuvell processes alot of checks, they have an automated system that endorses with a series of numbers. Navy Federal needs to move into the 21st century and if they can't handle the credit business, they should get out of it. I wouldn't recommend that anyone does business with Navy Federal if it involves them having to deal with another bank. It just doesn't seem like Navy Federal is equipped to speak with the more progressive banks. I'm working with the Better Business Bureau and other avenues to get this resolved now. If I had known that they were so antiquated I would never have done business with NFCU.

members should also keep in mine the credit union has to protect its assets. even though members are going through hardship, reduced hours/income, unemployed/laid off, etc.; the credit union can only do so much to get out of its way to help and some options are just not available to the member. the credit union has been affected by the economy just as much as the member and it is only able to assist with loan mods or whatever on a limited scale.

members are only to blame themselves not nfcu for all their problems. simple as that. learn how to manage your finances people!

I have been in discussion with NFCU about a loan mod; I took a severe hit in this economic downturn. I went from $175000/year to $60000/year and was also relocated in order to keep my job. I offer NFCU a win/win situation with my home of which I n longer live in. All I wanted to do is decrease my monthly mortgage amount by $300 and place my arrears on the back end of the loan. The collection Rep I spoke with also thought this was a win for both parties. I have submitted all paperwork requested by NFCU and have been waiting 3 month for a reply. This is frustrating because of my recent pay cut I am unable to make payment on that loan. I call once week to check on the status of the loan mod and have been told that it’s under review for the past 2 months. Now I have received a foreclosure notice. I believe I was trying to work with them all the way until this. No manager or Loan mod specialist or even an Underwriter has contacted me. Except for the Collection wanting to know when I will bring the account current. Well my account was current when I contact NFCU to inform them of my situation and now it’s in default waiting a reply. What do the loyal and proud member and employee have to say about that?

BBB is a strongarm scam. Pay them the blood money they want and you get stellar scores. Ignore them and they trash you. There are other sources of ratings for customer service. NFCU rates at the top of customer service for all bank type business services. Please whiners, ad more of your whining. It pleases me greatly to hear you prattle on about how it is MY fault that you are unable/UNWILLING to manage your finances. I give great customer service to 500 plus members each week. Yes a few calls do go bad. I assure you, I am not the one to start down the path of a bad call. I would love for you to listen in on a full days worth of calls. You would be shocked at how many RUDE people call in. We by and large ignore it. Many times the mbr is thanking us for the service provided as we patiently assist the mbr with the problem that they called in about. I got a message for ya...Just because you are the customer...it doesn't mean you have a right to shout at me or be angry with me. I am there to help you. I 100% am willing to do that. Jump on my case right at the start, you will be treated accordingly. YOU AND ALL OTHERS THAT BELIEVE I AM THERE TO KISS YOUR BUTT..., are wrong. You should all grow up. Learn how to manage your finances and stop blaiming others for your short commings. I dare say dollars to doughnuts, there are other areas of your life that are shambles too. C'mon let me hear you bleet!

I love the unprofessional attitude demonstrated here by NFCU employees. Their vitriol towards he members they are supposed to be helping and serving explains many of the problems I experienced with Navy Federal. The Better Business Bureau has them rated as an "F", so I doubt I am the only one who has noticed the decline in NFCU's focus on its members.

You are not going to be a victim of identity theft. You dialed the # for Navy Fed so u know for a fact u reached them. Their employees are monitored...they are not going to steal you info. They probably had a system error and it may have caused the application to not save. Just submit it again. Good luck.

I have to say that reading these comments has been enlightening at best. I have worked in the call center there before and have spoken to a large number of members who have put, in my opinion, little effort into managing their account. I have heard phrases like "what do you mean the check bounced? I was only $5.00 off?" or "you mean need money to write checks?"
As someone who gets paychecks and pays bills and buys groceries and has children and animals, I can say that manging my accounts can be challenging. That is a true statement. I save receipts and use my check register (yes, most members I remember speaking to about their accounts didn't even know what this was (one person said "is that like a cash register?")) and keep track of my money. The FIRST time you do not do that, you are in trouble and you have just made life that much harder. Having ONE check bounce or ONE check card amount clear when you don't have enough money nets you a fee ($25.00, I think), which means you have that much left the next time money goes into your account. I know things come up, which is why you keep money there from the times when things are NOT coming up. I am by no means rich, but I have money in savings JUST IN CASE. ANYONE can do that. Period. Don't buy McDonalds and then call and ask for a credit so you can buy milk. Don't pay $125.00/month for cable and then complain that money was taken to pay your late car payment. Don't put $50.00 gas in your car and think the balance changing from $60.00 to $59.00 must be right and be surprised when spending another $30.00 nets you fees.
Life is tough. The economy is tough. You have to make tough choices, but I think we ALL know that ALL choices have consequences. If you CHOOSE to spend your last $20.00 on gas rather than pay your credit card bill, no one will tell you that is the wrong choice, but you still have to accept consequences if your rate changes, you get a call or a fee.
Action always gets a response.
Thank you for reading.