Navy Federal Credit Union [NFCU]
reviews and complaints

In September of 2022, 2157.70 was stolen from my joint account without a debit card or check and No pin.

This was amount taken was identified on my bank statement and reported immediate.

No provisional credit was issued and to-date no documents justifying transactions.

What was told to me is my former use of my debit card in May and June of 2022, gives the business to withdraw from my account anytime. This is the customer service person at Navy Federal Credit Union. It is now April and after they filed my claim as a dispute and not an unauthorized charge they keep denying the claim. This claim has been appealed and still not documents to justify the unauthorized charge from my joint account. On April 17, 2023 a one page letter denying my claim was sent without any documentation to support tge reason for the denial. Many request for that type documentation and Navy FCU never provide a certified copy.

At this point a refund of 2157.70 is demanded.

Or a federal tort filed to include the amount above and emotional distress for eight month plus til this matter is solved and paid to joint account. Sorry to bother you but I need my monies.

Been over five days they already took money from my old account 3 days ago, its going on 7 days now, and my money is in limbo, Bank manager said she cant fix it becouse it has to go through security. She also said i f they gave me a temp loan until my work funds are released, I would take a hit on my credit score, I dont recommend this Credit union to no one.

Branch address is 709 Fletcher Pkwy, El Cajon, CA 9202

On March 24 I was contacted by Aman (he stated that he was a state approved appraiser with Navy Federal). I was expecting his call so that was fine. He asked about my availability for the appraisal on our home, and I told him that Saturdays work best for us. He told me that he does not work on the weekends and how about Monday 3/27/23. I told him that I work and contacting me on a Friday evening does not give me enough time to call out of work even for a few hours. Since he suggested a Monday, I suggested April 3, 2023 @ 11:00 am. Well today is 4/3 and not a call or appraisal was done. If I had not called him at 11:04 am today, he would not have called. I called him at 11:04 am to see if he was running late or something else had occurred. He told me that he forgot and how about Tuesday 4/4/23. The tone with which he apologized was so condescending, as to say our time as the client was not important. I immediately contacted Mary Witt who has made the loan process easy, to share with her our dissatisfaction and to assign another appraiser to us. Later in the day she emailed me to say that another appraiser would not be assigned and that I should contact Aman to reschedule. This is simply unacceptable to us. Basically, what Navy Federal is saying to us is suck it up and call Aman. How can we trust his competency skills as an appraiser when he can't remember a scheduled appointment. Resolution we are seeking assign us another appraiser so that the process can move on.

Mrs. Akingbola

[protected]

liz.[protected]@outlook.com

I received threatening letters from Navy Federal Credit union in 2015 about my credit card and loan repayment that mentioned unfair and illegal repercussions to my credit and account access. I was denied online account access and given no access to my account after closing to repay. This resulted in my loan and credit card being reported as bad debts/ charge off on my credit report, negatively affecting my credit.

On 01-31-2023 I applied for a mortgage loan at Navy Federal Credit Union Raleigh NC. According to the loan officer I was pre-approved for a home loan and referred to Navy Federal Realty Plus after telling them I was a veteran/retired. The so called Real estate coordinator called me and I was directed by her to contact [protected] with any possible questions after saying that she would contact a real estate agent from Century 21 to contact me. Well after about a week the so called coordinator contacted me again asking if the real estate

agent contacted me. I stated no and the so called coordinator informed me that she would relay the message to the agent. A couple of days later the so called Real estate agent left a message on my phone pretty much stating that she was not sure about the company who sent her my information and laughed the entire message as if she was reading a script for a play. She basically stated that she was not interested in assisting me as a veteran and or human being. When I relayed the message to once again, so called coordinator she attempted to provide an apology for the agent, stating that I could not receive a bonus after closing if I didn't complete the program. I informed her that was not absolutely not about a bonus, and she stated that she would voice my concerns to the team and so called agent. I then requested a copy of my pre - approval paperwork and or personal information that was obtained with no success. To my surprise the customer service representative via telephone stated that according to the information entered I was sent information asking me if I possibly would take a smaller loan. At the time I had not heard this information and called another representative who in turn said nothing of this information but informed me of a different loan officer due to not being sure if the loan officer that I intially spoke with was a loan officer at all. It was later confirmed that she was in turn a loan officer. The representative informed me that she emailed the loan officer assigned to my information and would contact me before 5 pm that day. A day later I received not one but two emails. Both loan officers contacted me asking for different information. I was confused on what information to provide for whom. I emailed both individuals. Three days later I go to the Home squad portal and it stated that the loan was discontinued. I was horrified at this customer service. I was devastated at the fact that my loan was possibly erased due the conflict with Realty Plus or due to me requesting a copy of my own personal information. That's the reason I referred to those individuals as so called coordinator and or loan officers. I truly hope that this is not the actual customer service that Navy Federal represents for our active duty, military veterans and their families. If Navy Federal has failed to protect my privacy, my right to be informed and my personal information, this is unprofessional, unorthoxed, and unethical. Your urgent attention to this matter is requested. Respectfully Submitted K. Robertson Photos//Messages to follow

On 1/29/23 NFCU place a 1 year suspension on my debit card usage without any notification. They claim to have sent a USPS notification, but no notification was either sent or received. I do have USPS informed delivery and records of every letter sent to me. No letter was ever delivered to my home address on file, which is up-to-date and accurate. No message was sent, no text message. Nothing. To top it off, they did it on a Sunday, 2 days before my rent was due.

After speaking to about 6 different people at NFCU they had informed me it was due to Debit card abuse and did not give me a detailed explanation after I request one, as well as denied me information on who approved such actions. I have copies of all fraudulent charges and NFCU validation of all charges. I have been a member since 2007 and I was a victim of a serious fraud, where the frauds called from the NFCU customer service number on the back of the card and pretended to be NFCU. I explained all this to NFCU and was assured I would be taken care of.

I was a victim of a heinous crime and I am the one being punished. Not being able to use one's debit card for even a week to a month can cause enormous strains on one's life, including being able to pay rent and all other bills, paying for transportation and daily life routines.

I am as well a veteran of two foreign deployments. Including operation enduring freedom and operation Iraqi freedom. I served honorably and for a bank who claims to care about its veterans, it's more than willing to throw them out on the streets offering only a visa gift card.
I extremely distraught and outrageously strained from the predicament NFCU has put me in.

Ryan Farrell
[protected]
14-01 26th Ave Apt 2F
Astoria Ny 11102
[protected]@gmail.com

I have a 21% CLTV in process, primary home. I have great credit and good assets in NFCU.
I am only asking for a $20,000 loan on primary residence. My father was in WWII. 30 years in Navy. I think that is important.
However the loan officer/processor Schavonne Homes will not budge on the quoted rate of 8.650.
Your website site states rates as low as 6.650%

I have tried numerous times to contact her supervisor, Renee Jackson, via phone and email. No response! Her number listed is [protected]. That number does not work!
I was in the mortgage business for 30 years. I understand a lot. This is not good treatment.
My name Patricia Khachatourian Loan # [protected]
[protected]
[protected]@gmail.com

I have a car loan that was approved.

15k made out to me and the car dealership.

The vehicle of interest is no longer available.

My choice at this point is to look at another, car from the same dealership, or go elsewhere.

In speaking with a julie, whom says she is a navy federal consumer loan supervisor, i would have to do a new loan application, which includes a credit inquiry "maybe".

Per julie, there is no getting around the policy, it is a policy, it is a change to the agreement, thus a new agreement must be drawn up, there is not getting around the possibility of the credit search, or policy.

But!

then said; if you buy the car from the same dealer, we can do a "collateral swap", or do "a blank check" auth up to the amount of the loan and have the dealership call it in for verification of funds.

Then she back peddled and said the blank check would require the submittal of a new application and a credit check.

My issue is the last credit inquiry is less than five days old, and i don't want the inquiry on my credit.

Also, despite her insistence that there is no getting around the policy, she offers a collateral swap, which gets around the policy.

I asked to speak to someone, as the policies are not law, just a basic guideline, and from time to time, on case by case basis, things are done differently, outside of normal policy.

I asked for a different supervisor as julie was rude, talked over me, and in my opinion tried to close off avenues to talk with others, i.E. She said she was the only supervisor available, there was no one available hire than she, someone would be in a normal hours. I asked to be transferred to a different department to file a complaint against her, she said other departments don't know loan department policy and will not be able to take a complaint. While there where other things said, these were the most important to me because when i called back later in the morning i was transferred to a doug, whom said he too was a supervisor and that supervisors are the highest level one can go, managers do not talk to customers. Which contradicts what julie said, and in addition to that, seemed agitated in his language with me by saying things like "well she did nothing wrong, i am reading your notes, our policies are not flexible.

Complaint of Theft/Misappropriation of $1,750 usd by Western Union and Navy Federal Credit Union.
On December 31st 2022 Navy Federal Credit Union (NFCU) processed a Western Union (WU) from my U.S. based NFCU Checking Account # [protected] to be picked up by myself in the Philippines. I was provided confirmation # [protected].

My Checking Account subsequently reflected a WU transfer for $1,750 and a WU fee of approx $14 usd was deducted from my Account.
Nevertheless, I was denied pickup at all local remittance centers due to an unexplained hold by WU. For the following 2 days WU continued to hold the funds without explaination.

WU confirmed during my final phone call to them that they were processing the refund, and NFCU states they received a refund. However my Account statement of transactions does not reflect any deposit/refund…. and even the withdrawal or funds and WU fee is missing. Per NFCU, they voided the entire transaction (instead of documenting a refund)…. so I cannot determine even if my account balance is accurate or if any refund was deposited in my account.

Curiously I did notice that my account balance spiked to approx 2,500 in the evening, then by morning, the balance was approx 1,300…. I had withdraw from atm approx 300 in the interim…only the ATM withdrawal reflects in my account and the math doesnt add up…some amount of money was deposited into my checking account (nowhere near the 1,750 though), and then money was taken out again… all without any transaction posted to my account…AGAIN.

The voiding of the transaction by NFCU and the freezing of funds without explaination by WU raise suspicion. My efforts to resolve the matter by exaggerating the threats to me by lender to repay loan was unsuccessful; WU and NFCU never gave me reason for funds being held and never released the funds for pickup…my entire birthday New Years day, was spent trying to resolve the matter because the 1st of month was loan due date and the following day 20% more interest would be added to the loan if I didnt pay the Loan Shark…so now I owe the lender hundreds of usd more.

Of note:

This is not the first time my account balance at NFCU has dropped and no transaction record existed in my account. Unfortunately, because of a life style of drunken debauchery herein the Philippines, in conjunction with very few US banks allowing a member to have an overseas residential address... I questioned my sanity faced with the notion of my bank stealing my money. And, ultimatly I decided against complaining because I was scared to lose my babk account. I recall in January 2020 8had a combined checking and savings of over 150,000 usd. The most significant drop was 30k missing inexplicably. I believe itwas from 80k to 50k…. or 110k to 80k. It has come to my realization now that, per their own admission, NFCU hasthe ability to moved funds out of a members account and void/erase any trace of a theft of funds. I request NFCU be investigated for also the past thefts I priously mentioned

I have no choice but to ask for assistance at this time from banking oversight to retrive my funds. It is clear that the funds were stolen or misappropriated and efforts to cover up the matter were made by both NFCU and WU.

I will never use Western Union services again, and I will leave my Navy Federal account open only for the duration of the investigation to preserve evidence.
Email and all relevent communications available upon request.

Respectfully,
Bradley Smith
[protected]@gmail.com

1. 01/10/23 12:15 Your telephone response system is one of the most difficult systems to get through to a representative. I don't have a problem with your representative, she was great.

2. 01/10/2023. Reason I called was trying to change payment date on a home improvement loan. With it falling in the middle of the month really straps us and we come close to over drafting my account. If it was moved to the end of the month, It would help so so much. I know i can request it to be taken out at a later date but that is a hassle to do it every month. I do NOT like a red notice on my account saying my payment was late when I do that. Yes it supposedly does't affect my credit but I am anal about on time payments. It should be a key stroke on a computer for you to change a pay date permanently. Every single company makes things so damn difficult anymore. What happened to the KISS system

On Sept 26, 2022 an Credit Card account was opened fraudulently in my name subsequently two charges for a total of 7500.00 were charged. I have been in contact with NFCU for the past 90 days trying to get this matter resolved and removed from my credit report. Each time I call I have to go through the entire scenario again with someone new as they have a difficult time keeping records. I am looking for relief in that this fraudulent account is removed from all three credit reporting agencies along with a note indicating that NFCU made errors and judgments costly and damaging to my credit, not limited to but including restoring my credit to the condition prior to this fraudulent activity.

I am a vendor that was requested to perform a service by The VA on Navy Federal Credit Union's behalf. An invoice for appraisal services rendered was submitted to them on 8/4/2022 and monthly thereafter. They have ignored all of my requests for payment as well as ignoring a request from The VA Regional Loan Center. Emails have been sent to numerous addresses at this lender including [protected]@navyfederal.org, [protected]@navyfederal.org, and [protected]@navyfederal.org with absolutely no response.

According to the law 15 USC 1692, 15 USC 1666, 12 CFR 1026.13. They are in direct violation. I have an American Express Credit Card through my bank. I have also put in a complaint with American Express. Its' unclear who I should list first so I have listed both parties. I have had these credit cards for a while but the dividends statement is accrued every 4 weeks. But they are posting it online instead of sending the coupon for payment. So they are collecting 2 times.

My name is William Denham. I've been a member with Navy for some time. And had a good relation, up to now. On Dec 1 IRA (acct: [protected]) matured. On Dec 2 a transfer of my matured IRA was FAX to Navy. For a transfer to another Bank. On Dec 6th, I called to see why it has not been sent. I was told it will take 4 to 6 weeks to do so. That will cost me around $200 in lost interest.

Navy Federal IRA Dept is a sham, We have had a IRA with this credit union for years. We have been fighting to transfer the IRA money to another bank. We have gotten run around after run around. We always get a different excuse why the transfer cant be done and its hit almost a month now. We have heard excuse after excuse like the paper work is not filled out right or the paper work has the wrong information or the paper work is to late as to be done again or the paper work is not completely filled out or the paper work is the wrong paper work or the paper work also needs this paper work or the paper work will take 2 weeks to 4 months and all them excuses are from the IRA Dept, we have spent many weeks calling them all day, and then going to the bank they tell us we don't handle that or we don't have any information in our system about that or you have to go to the other back to start the process or you need to send a fax to the IRA department requestion what you want or you need a account number from the other back or you need a routing number or paper work from the other bank, well after almost a month of fighting the IRA transfer, we finally to Navy Federal to set up a transfer in their system by going to the bank and then they said they couldn't give me proof that they processed it. The teller said by word of mouth she couldn't give me a copy of the form she sent up. Which is hard to believe being a system analyst myself. So we will see they said it could take a couple of days to process again with the uncomplete information. Let me tell you about myself and what I was doing with Navy Federal, and we are not talking small amounts here. I am a disabled Veteran for the Armed Forces, have been with the bank for years, was putting in my 100 percent disability pay and my social security into this credit union me and my wife had CD, Money Market Savings, and IRAs with Navy Federal, mostly belonging to my wife be the money totals were all from me. I had other funds from working full time and from other incomes with other banks I was planning to move to Navy Federal but now I have moved almost everything out of Navy Federal, I will never work with this Credit Union unless they are the last bank on the earth, and you dont want to hear about the experience I have with a hacker breaking into this Union.

Fred Berge and Kum Berge, wifes phone [protected]

[protected]@yahoo.com

A check was written to me as a result of a bodily injury settlement for a traffic accident, in the amount of $18,750.00. Payor was The Law Office of Daryl Von Yokely, issued on their Bank of America IOLTA (Client Trust) Account. The check for $18,750.00 was deposited into Navy Federal Checking Account No: [edited] and cleared the BOA account on 11/17 (proof of same is available for review). I was initially advised that a 5 day hold would be imposed. At the end of the 5 day hold, I was advised that the check was fraudulent and would be returned to BOA and that my account was frozen. I contacted my lawyer's office and was advised that the check cleared on the 17th of November and that no one from Navy Federal contacted the law office or BOA. After sitting on the phone for more than 2.75 hours with my lawyer and a BOA representative, we were advised that the funds would be released and available to be accessed immediately. On the next morning I presented myself (once again) to Navy Federal to be told conflicting information. No one has indicated why the funds were held, why I could not access them, NOR why they funds had not already been returned to BOA. I believe I was racially profiled and discriminated against because of my age and color.

I was on Great Lakes base in January 2019 and stationed in Virginia for military training until August of 2019. I was not keeping close track of my account balance during training. In September I discovered on a statement that my balance had dwindled away to nearly nothing while I had been saving money my entire training. Upon going through my statements for the whole year it can be seen that there are over one hundred purchases made in my name that I did not authorize. It can be easily proved that the purchases were not made by me as they are located throughout the USA and I was stationed on a training base in Virginia. They are mostly Doordash and Grubhub purchases. However, my claim of fraud was denied. I lost over 6,500 dollars and have never seen it again. I appealed the denial once and got very discouraged by a brief follow-up denial. I can't believe they would deny my claim seeing it is so clear that I couldn't have made those purchases. Now, in 2022 I am filing another appeal but I don't have high hopes for it. This bank is a no liability bank. My advice is to bank with someone who cares.

I have called NFCU three times now and now on this call I have been bounced around and getting the run around. The second supervisor Ryan on the credit card side kept advising me that this was a Transunion problem and they (Transunion) are saying that all the information was verified. I have felt like I am getting the runaround or no one knows what they are doing. Spoke with Ethan from Transunion and as we were three wayed with NFCU he specifically stated all my information was verified and he does not understand why I can't access the dashboard and stated this was an NFCU problem.

Hello I am a victim of fraud .My vehicle was stolen from my work location.My phone and wallet was in the vehicle glovebox concealed .I was not allowed to have anything in my pockets at work .I have submitted my claim and it was denied due to my bank statements.I have appealed this decision but it takes four months .This is a zero liability bank .They do not want to do anything.I get different answers from customer service.One service employee said they denied every claim to get a bonus .This is bad business.

One of the Navy federal customers posted an ad on Facebook to sell a car. I messaged the customer and he claimed to be a police officer. I trusted his word and sent $400 to pay for a car that was $800. I had Covid -19 and couldn't go to pick up the car. He made a deal to bring it to me. I agreed to pay him more for the car just as long as the car was working and in good condition. He sent me a video of the car and I sent the remaining $400 to pay for the car in total. I then get a message from the guy that he crashed the car. I asked for my money back and he started saying that I made threats to him. He then wanted to talk to a police officer in my town so that he would get a better result and not have to give back the money. The cop told me that he was only giving back $400. He never gave anything back and I lost the money. The cop was not helpful. Either way, I paid for a car that I didn't get. I was then charged another $800 because my bank lent me the money until they could get the money from the fake cop. I lost a total of $1600 and I still didn't get the car. The fake cop guy sent me a video of the crashed car being towed away. The cops refuse to look at the evidence. Navy Federal had my money and is responsible for giving the money back to my card. I can't get through to anyone and have decided to complain on this platform. They should return my money. The fake cop guy should be arrested.