![Navy Federal Credit Union [NFCU] Profile](/images/business/150-150/119106/navy-federal-credit-union-nfcu.png "Navy Federal Credit Union [NFCU] Profile")
Loans
I am not sure how to start this complaint letter with navy federal credit union. The reason is there are so many issues, lies, and crappy customer service. I will give a brief run down on what has been going on.
Mortgage:
I applied and received a request to have my mortgages modified so that I can make the payments. The first mortgage I worked with nfcu (After several attempts) to make it so that one of my payments would be spread over 6 months. I was told at that time nothing would be reported to the credit agencies as long as I kept current on all the modified payments for six months. I did keep current on the payments, and then at about month 4 I discovered that I was being reported to the credit agency for late pays on my mortgage (Keep in mind I was told that would not happen). I also discovered that my credit card had been deactivated. I called the credit card folks on that and was told anytime loan goes into late pay the credit cards will be deactivated. After that I called the mortgage folks and asked them about it. I was told that is only temporary and as soon as I make my last modified payment (March) the credit card will be reactivated. With that I called the credit card folks back and asked about that. I was told that was not true I would need to re-apply to re-open the credit card. I then explained the situation with the modified mortgage and was I was told. I was then told this credit card situation was per the ceo.
Credit card:
This is where the fun starts. Basically the credit card portion of nfcu is making a train wreck out of everything. For the last two months they have taken money out of my savings account without authorization. By doing this there has been serious issues with me making the payments to my mortgage and auto loan. I called the credit card folks to work stuff out and basically I got was to bad & ldquo;we can do that. & rdquo; I have no problem paying my accounts, and I did pay the accounts. Never, in the past when I was a few days late has money been automatically taken from my account. Now, a few days late and wham, the money is taken out. I understand it is in the rules, however what happened to customer service and working with the customer. I would like to complement the individuals that call me to try and work out something; they are very nice and helpful. The issue is after I explain to them the situation, they realize they do not have the authority to help and have me speak to a supervisor. This is when everything just stops. Truth be told I my wife and I have six kids and at times live on the credit card.
It is not right when someone tries to be responsible and make arrangements to keep everything current to be penalized as I have been. I work with people that have simply walked away from their homes and told the banks & ldquo;have fun. & rdquo; they do not have half the issues I am having. I have talked and talked till I am blue in the face with people (Managers) with nfcu, and nothing is getting done. I really do not think it is right for the credit card portion to do what they are doing causing my mortgage to be later and later. Now my payment to my car is becoming late as well.
Another issue that happened was that nfcu took $117.00 out of my saving earlier this week. When I discovered that I called to see about getting part of that put back into my savings account. The reason is I wrote a check for $100.00, because there was $117.00 in my account and I did not want to bounce a check. I called a few times and did not speak to anyone because of long wait times. I was then called to make payment arrangements for the remaining balance. Again, the person that called me did not have the authorization to put $100.00 back into my account. He gave me to his supervisor, joel cooper, to see what he could do. Joel basically told me to bad any available funds will be taken out. I explained that by doing that it is going to cause me to bounce a check be charged and be charged isf fees. I told him I can pay it on the following friday because I get paid (022709). He told me he was not going to put the $100.00 back into the account. I explained what would nfcu do if I said screw it and filed for bankruptcy and had nfcu eat the $19, 0000.00 instead of working with me. He stated threaten with bankruptcy is going to do no good. I then asked to speak to his supervisor; he told me & ldquo;no, she is in a meeting. & rdquo; I then asked to speak to her supervisor; he said & ldquo;no, he is in the same meeting. & rdquo; I then requested to speak to his supervisor, he said & ldquo;sir we have a chain of command to follow. & rdquo; first off I am not in the military anymore and we are civilians, we don’t have a chain of command. Second, I could tell when I talked to joel he really didn’t care to help; he just wanted to collect the rest of the money. Again, the employees that I initially talk to are great, it’s when I am transferred to the manager that everything stops and the attitude comes out. The female (I wish I got her name but didn’t) I talked to today 022609 was great, she transferred me to a supervisor who had the same line all the other managers have. I am not trying to get out of paying my debt (Like the majority of people) ; I just want some help.
There is just the overall of what happened.
Thanks
Tom tardy
2808 e. Laurel ln
Phoenix, az 85028
[protected]
The complaint has been investigated and resolved to the customer’s satisfaction.
Taking money and not authorized
Taking money and not authorized to take it. Not only taking money from one acconut to use in another account but taking money from a totally different bank and putting that money into a nfcu account. What they do when they have your banking account information from any bank is unbelievable.
First I had a payment that was behind which I was not aware because I was the co-signer of the loan for my husband. Therefore as soon as I found out the account was past due I went up to the bank and paid all the late fees to made the account current. Then I talked with one of the bank officers in her office. I ask her could I set up an automatic payment then she advised me that would be good. Therefore, I set up the payment for nfcu in her office to began receiving 300.00 every two weeks which the loan payment was only 269.00 a month to pay on the loan account that I only co-signed for. However, a couple of months later I notice money was being taking for the loan account it was the extra money that I was paying toward the loan. I went up to nfcu and talked with the same lady again and I said there is some money being taking off the loan payments that I am trying to pay off. She looked into her computer system and said they had been taking the extra money and paying on another account that my husband is behind on. So I asked what account is this and how much does he owe. She said, it is against their policy and she could not disclose any of that type of information. I am confused I tried to pay the loan account off, your taking the extra money that I am paying to one account and put it towards another account. You have no authorization to put this in my husband’s account that I knew nothing about. Anyway, I stop the payment and start going up to bank to pay the bill once a month $269.00 instead of every two weeks. I felt like I was caught in the middle and fighting to payoff an account.
I got caught up with trying to pay that bill and other surprise bills that were coming my way that I knew nothing about these bills. Therefore I was late on my own credit card bill (Out of 10 years I have only be late 2 (Twice) on my credit card) so they called me on my job and I gave her my account number to my other bank to pay the bill which was a 120.00 then I told her I will set up a payment for 100.00 to go to my credit card account she said she would send me a form to sign so that I can setup everything. Anyway, she took 120.00 which I authorized. She asked me if I wanted to pay the 100.00 now along with the $120.00 because the next due date was coming up soon. I told her no just only pay $120.00 and without authorization she took it upon her own to take the $100.00 anyway from my account from another bank which I did not authorize. Now 3 days ago another $100.00 has been taken and paid to nfcu towards what I do not know.
Someone needs to really check this bank out on how they treat their customers and how they handle their accounts.
The complaint has been investigated and resolved to the customer’s satisfaction.
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It's a matter of being a joint owner or a co-signer. Joint owner means you are sharing a checking or savings acct. you are both equally responsible for the funds that come in or out of it. Whether you are primary or secondary it doesn't matter. From dictionary.com "shared by or common to two or more: a joint obligation. " Co-signer means you are agreeing to assume the payments if the primary applicant does not. So if the person is the sole person on a loan and has a checkign account with money in it even if they are just the secondary in that account...since the loan isn't paid then the money can get pulled from the joint account.
USAA does the same thing...don't have people on your account that you don't want to have your finances attached to.
Dear xyitx,
I would guess by your sarcasm and reply to Veronica that you work for Navy Federal. Let me chime in if I might. I have been with Navy Federal for almost 20 years now and am in the process of closing my account as I type. The reason for this is that Navy Federal as pointed out by Veronica will take money from your account where you are the primary to satisfy a loan to a second account, that you have not cosigned simply because the person is on that account as is the case with Veronica and myself. Now from the pure business aspect of it, can you please tell me what makes more sense, having a long time customer like myself and losing my business simply because you did not contact me prior to the withdrawal to let me know that there is an outstanding balance that needs to be satisfied. Or making that contact to keep the customer satisfied. This is not a company I choose to do business with anymore. When they do not treat me with the common decency that I have earned by being a loyal customer all these years then I WILL take my business elsewhere. Financial irresponsibility implies a pattern of bad monetary choices. Do not confuse that with the occasional oversight or miscalculation. Stop being so insulting and narrow minded and look at the substance of what she said. It is not a pattern and was acknowledged by her when she received notice (at least she got notice). It is not as though she chose to ignore it and pretend the problem existed. I hope she takes her business elsewhere as I will. Have fun with your banking institution, I can't wait to see your post when they decide to take money from your account without notification.
Former Navy Federal Credit Union patron. USAA here I come!
Veronica,
If you had bothered to either a) do the research on the laws and bylaws of the Fair Debt Collection act or b) bothered to have read the promissory note provided with your loan you would have noticed that everything Navy Federal is doing is responsible business practices that any and ALL successful financial institutions abide by. The first issue is that by being a joint owner/being married to someone who is late on a loan you are LEGALLY responsible for that same debt regardless of whether or not your name is on the loan. Also, on the promissory note you are advised that if you are late or past due on any outstanding debts then all attempts will be made to make that loan current. By signing the promissory note, which you have to do in order to receive the loan, you are AGREEING TO THOSE TERMS AND CONDITIONS, simply put if you do not like those terms then feel free to find a better loan with a better rate elsewhere. The reason your experience with Navy Federal has been unpleasant if because of your own irresponsible financial practices. When taking out a loan or any type of credit you should always read any and all terms associated with that agreement. The only person you should be upset with is yourself for not being responsible to read what you are agreeing to before you do it.
Interest rate/credit limit
I contacted navy federal by email inquiring about who I should contact about lowering my credit card interest rate. Instead of replying with the information I asked for, they took it upon themselves to do a credit check on me (Without my permission) and then denied me an interest rate reduction. Furthermore, they raised my credit card limit by $2000 during the same time that I was inquiring about an interest rate reduction. They wouldn't lower my interest rate at my request, but decided to increase my credit limit on their own? This is not the navy federal that I signed up with a few years ago.
The complaint has been investigated and resolved to the customer’s satisfaction.
I agree with the "employee." If you know anything about credit, then you know a higher limit is GOOD. Not only does it decrease your debt to credit ratio, it increases your available credit. Why on earth do you think mortgages hold so much weight? Because they're HUGE sums of credit.
Granted, you didn't get your interest rate to drop. Big whoop. Now you just have to pay attention to your spending and pay off totals before that interest hits.
If you ever choose a bank over NFCU, have fun dealing with the clandestine tactics they pull. I'll be sitting here enjoying the perks of managing money and credit with NFCU.
Quit ###! Navy Federal is great. I've slowly been building my credit with them and my credit limit went from 4, 000 to 10, 000 when no other compaines were willing to take a chance on me. My bill is paid in full every month. You guys don't realize ### happens, thats the business. If you're unhappy leave, I guarentee you'll be back. I've have Bank of America, USAA, SunTrust and Wells Fargo (bankning since I was 16) and so far I've been happy with Navy Federal.
I agree. Navy Federal that I have been banking with for, 14 years has gone down hill with how they treat their customers and their professionalism and services, are not even close to the standards they once were. I guess that, they're now serving all branches of the military due to the fact, they've treated their customers so unfairly that they're huting for services with so many marines& navy cancelling their accounts with them, as well as their dependants, that this is why they now cater to all branches of the military. However, no one has the right to run a crwdit check without consent because each time a credit report is ran, it drops your credit score.
Obviously this above comment has been written by a fellow employee. I say, if they're treating you poorly, find another financial institution that values and respects their cutomers. Then eventually they'll run out of business and have your relatives and friends leave Navy Federal as well.
When you ask for a reduction in rate, any responsible lender will pull your current credit report in order to determine if you qualify for a reduction. I have a Navy Federal nRewards Visa card and also asked for a reduction in rate, but I assumed they would pull my credit again LIKE ANY OTHER LENDER. By asking questions of the phone representative I spoke with, I found that Navy Federal bases their rates STRICTLY on credit scores and cannot make exceptions to those rates for the whiny members because it would be unfair to the other members who don't complain. (hello, the rates are great anyway!) I also found that Navy Federal reviews credit card accounts annually and if an account is handled in a responsible manner, the limit is automatically increased as a courtesy. From doing further research about credit reporting agencies, it appears that this is a POSITIVE factor on a credit report because the ratio of debt to credit limit is a huge factor in credit scoring. It shows that the consumer can have a lot of available credit and not MAX it out. So the higher the limit and the lower the balance = better for the consumer.
Credit card behind payment
I have auto loan and master card under navy federal credit union was behind payment because unemplyoment right.
USMC BOI, you sound like a "plant" for these "BANKSTERS". Who the heck to you think you are calling out somebody for being desperate? This person came to this board to get advice. If you've gotten back on you feet then good for you. After all, we can't all be as perfect as you. NYQUIL762
Take your caps lock off and write full sentences off if you want to be taken seriously, your a loser, if you are behind on payments it is YOUR FAULT! I got laid off and already had a new job, you might have to relocate, but if you are not an idiot a company will still hire you. What does that say about you?
Your an idiot!
Unfair credit card finance charge assessed
Dear fellow credit union consumers:
Nfcu recently assessed me a late-payment penalty-fee finance charge of $33.13 on my account because nfcu claims that I was late in my november payment. Unfortunately, I never received the november statement from nfcu, and was unaware that I owed nfcu $51.00. The finance charge of $33.13, on the payment amount of $51.00, comes out to a 65% late-fee assessment.In my opnion, this amount is outrageous, especially given the fact that I have been a longtime, loyal and devoted nfcu member, who has always made my payments on time.
I am deeply disappointed that nfcu would be very harsh, strict, and heavy-handed in its tactics with me, like this. As a result, I have decided to end my membership with nfcu.
Based on what I have said, which is based on the facts of my personal, negative experience with nfcu, you may make your own decisions about nfcu accordingly. I hope this info. Helps.
All credit card companies send out monthly credit card statements. If you don't recieve it in the mail...(could have been lost or stolen from mailbox, delivered to wrong mailbox, lost in mail, damaged at post office, w ho knows) how is the credit card company supposed to know u did not receieve it? Besides, if a company lends you money (credit card, loan, etc) you should always realize that u are obligated to a monthly payment.
Ripping off my checking account
I was owed $78, 000.00 for over 5 years. Finally, it was paid into my password protected account, but I did not know it had been put in. 11 days later it was removed by the person who owed it, from my account. My account is password protected. It only has my name on it. It was ear-marked for identity theft. Nfcu allowed the person who finally paid me to...
Read full complaint and 4 comments
Rip-off!
Navy federal credit union pulled a classic bait and switch on me. When I applied for the loan, the rate was quoted to me as 5.875%. Then they bumbled along taking their time on the approval, all the while rates were going up and up. By the time I could lock in, I had to pay a full 0.5% more. Then to make matters worse, just before closing, the rates went back down to the 5.875% they originally quoted me. I called and complained, but they wouldn't even fix it for me.
The complaint has been investigated and resolved to the customer’s satisfaction.
I agree. After I got out of the military, I chose to keep NFCU. Unfortunately, my pay check is now every other thursday instead of 1st and 15th which results in me paying late most of the time. Worst sometimes I had to pay up to 25 days late. I tried to get them to change due dates on my account but was denied. Even though I am late I always pay and my account is locked resulting in me not being able to use my Debit card. I stuck with NFCU because I thought they supported veterans but that is obviously not the case. I have recently switched all of my accounts to another bank. I hope they are better. It gets old having to call NFCU to make a payment when I should only have to go online and pay. It is sad that they only care about themselves and not their members. I can see if I didn't pay but my 18 year history with them was a clear indication that I always pay my debt. I am truly angry with NFCU and will never fall for their brand of fake again.
I have been a member since 1996 I really thought it was a great credit union but it has changed lots of new fees on different things and if you have a credit card with them run run away get out as fast as you can it's a ripoff. Don't ever be late on a payment or have an emergency and ask for to pay late they will lock your whole bank account and you have no way out of it. I HATE NFCU I am starting a new account at another bank. There is no benefits to having them over any other bank. My dad on his death bed and I couldn't buy plane ticket cause my credit card was due... Yeah serving military members with honor FU NFCU!
Nah it's completely true. They offered me a car loan for 4.9% after approving the loan the proceeded to tell me that since I did not have a whole lot of credit history they would have to raise it to 6.9% and if after 2 years I was up to date they would lower it back to 4.9%. Since I was already through the purchase and the car was in my driveway and the check cashed I really didn't have much of a choice. 2 years rolled by and they dropped my rates to 6.2%. I called to complain about the original deal and they stated they no longer offer a 4.9% rate even though that was the deal. They will get you anyway they can. I've closed my account cause I was sick of having money stolen and random fees charged, immature customer service (and I use the word immature on purpose) and customer service reps that you can barely understand and half the time they don't know what's going on. NFCU is a joke and I highly recommend not getting involved with them.
NFCU is now ran by a bunch of GREEDY immigrants! Do business with NFCU, and you will immediately experience a language barrier on a majority of your phone calls to them! They are obviously abusing the word "Navy, " and ripping off many military service members! Look at their earnings...it comes from their clientele: Army, Navy, Marines, and Air Force.
Would have written this thread if the "bait and switch" had resulted in a lower rate? Do you know how many times someone puts in an application, locks their rate and later the same day the rates go down and they call back and complain when the rate will not be lowered? This doesn't sound like a complaint of customer service as much as not getting what you wanted. Just my thought.
Well if u have to go thru that much trouble then why didn't u just go with the competing company that could give u the better loan? sounds liek that makes more sense to me. USually the initial rate is not a guaranteed rate...after the the company you apply with actually processes the loan app then you get your actual rate.
Whisper86
You just dont know the stuff NFCU Lasorda Mortgage Group has been getting away with lately. Think all of them even the pnes at Corporate HQ need some retraining. You will NOT, repeat will NOT get competitive mortgage or Refi from them unless you can provide evidence that you can get it somewhere else ! Evidence being the Good Faith Estimate and or approval letter. Two people I know have had similar experiences in March of 2009 and April of 2009. Both were full doc loan candidates. Both walked on the deals offered by NFCU both provided proof to NFCU that they could get good rates elsewhere. In the end NFCU decided they could finally match what other banks would give if the "customer wouldnt walk away from a NFCU loan . They had to play hardball to get NFCU to approve it. BTW right now NFCU will NOT approve ANY CASH out loans. So if you are thinking you can get one. Forgetaboutit!
I'll bet the rate Navy Federal gave you still beat any rate you could have gotten anywhere else. And I'm sure that you're so fantastic that you should have gotten an immediate approval, right? And you're so special that Navy Federal should have waived all of its verification measures used because they are responsible lender...right?
Scam and cheating
I have my account closed by nfcu when learned I filed a bankruptcy against them. My account is where my paycheck goes twice in a month and I need that account to pay my bill, buy food for my wife and two daughters, withdraw cash from atm's and to pay some other expenses. Now that my account is closed I don't know what to do to all of these personal business.
The complaint has been investigated and resolved to the customer’s satisfaction.
I am surprised by all of these comments being made about NFCU. I have had my own problems with them but, I’m still surprised to see this many comments. I never guessed that there would be so many disgruntled people out there willing to write about their negative experiences.
NFCU has essentially terrorized me over the last two years (including while in bankruptcy). Frankly, nobody deserves to be treated like some of us have been treated. While I take full responsibility for not completely fulfilling my obligations, I've paid off multiple loans and paid thousands of dollars in interest to NFCU. Nothing justifies treating anyone the way that I have been treated. When my financial "crash" came I made it a point to call NFCU twice a week for more than a year prior to filing bankruptcy. I mostly called them so that they wouldn't keep calling my family members and harassing my neighbors.
One evening last year, at 9:30PM, NFCU sent a “door knocker” to my home. I’ve since learned that a “door knocker” is a collection industry term used for a contractor who places door tags onto the handle of your front door. These tags typically say that they want to speak to someone in the household. The “door knocker” pounded and kicked on my door so hard that, for a minute, I thought that it was a home invasion (I still have the dents on my door). I think that he kicked my door because the dents in my door are on the lower portion of my door. I was able to talk to the “door knocker” through the front door. He stated that he was working for NFCU and that I needed to call them. I told him that I had just talked to NFCU the previous day and that I was going to complain about his pounding on my door. He basically told me that nothing would happen to him and that he would not get in trouble because he was just “following orders” given to him by NFCU. I told him not to return to my home again and that I was going to call the police. He then ran to his car and drove away. While I was not able to get his license plates, I did call the Fairfax County police and gave a description of the "door knocker" and what had happened. They indicated that they would make a report and for me to call earlier next time so that they would have a chance to question that person at my home.
It was this incident that, not only scared the heck out of me but, caused me to realize what was actually going on. I had noticed that although I had been calling NFCU twice a week for 6 months or so prior to this incident, NFCU was still calling my neighbors and my family to harass me. They repeatedly called my in-laws, siblings and mother. I’m sure that they called others because most people would not probably want to add to my own embarrassment by telling me about their NFCU calls. At the time, I felt humiliated and too embarrassed to do anything about this harassment. I was (and still am) trying to focus my energy on getting a job. I did write the Chairman of NFCU to complain and explain my situation. My letter to the Chairman basically apologized for hurting the members of NFCU for not meeting my obligations and (most importantly) to ask NFCU to stop using illegal collection techniques to bully and harass me. I even wrote that I thought NFCU would collect more if they followed the law.
At this point, I have had it! I have gotten to the point where I actually feel ashamed for not standing up to them earlier. I've caused my family a tremendous amount of pain due to my economic situation as it was and is. It wasn’t right for my family to have to experience the unbelievable behavior associated with NFCU’s collection activities. All of my creditors had essentially cooperated with my financial situation except NFCU. NFCU is the reason that I filed bankruptcy in the first place! I didn’t have any money to pay anyone anyway! During bankruptcy, I had to submit to a deposition requested by NFCU (more NFCU harassment!). During the deposition the lawyer from NFCU kept asking me about my disabled daughter. That was unbelievable! I had essentially given up my ability to get a security clearance by filing bankruptcy and I was still being subjected to the wrath of NFCU.
At this point, My home is being foreclosed on (finally), I am broke, I have no job, I've got a disabled daughter who has substantial medical needs (she’s still wonderful and I wouldn’t trade her for all of the money in the world!), a wife and a son to take care of (they are also awesome!).These realities are NOT NFCU's fault but, I now have nothing to lose and perhaps I have learned a valuable lesson about how to appreciate what I do have (an awesome family and the sun coming up in the morning). I’ve also learned that one should never run away from “BULLIES AND THUGS! The pain and shame only get worse!
I've decided to remove myself from bankruptcy (I should never have filed in the first place!) and take NFCU to court to try to keep them from harassing others like they have harassed me. It's the least I can do for my own health and to give back to those who may suffer in the future. I'll spend half my day looking for a job and the other half dealing with NFCU in the courts. I will probably lose, but I will do a more honorable job of getting my point across and at the end of the day it’s the right thing to do.
My story is true and I'll put my hand on the bible to swear that it is (just like I will in a courtroom soon enough). I’ve got a bunch of faxes, letters (some certified) and all sorts of notes related to phone calls that will help substantiate the immoral behavior and treatment I received from NFCU. I ask that anyone who has a truthful story that they are willing to share about their experiences with NFCU to please contact me at nyquil762@gmail.com. You don’t have to talk to me if you don’t want to. You can just share your story in writing anonymously. I realize how embarrassing these issues are to communicate and I don’t think there is anything wrong with keeping them private. Some of you may feel better by just communicating your thoughts to me (kind of like writing a letter when you’re angry and then ripping it up when you are finished). I promise that I will not share your emails or our conversations unless you want me to.
And to anyone out there who works for this group of "GANSTERS” and or agrees with the behavior that NFCU has used to bully me and others", I'LL SEE YOU IN COURT! Thank you for your time and gob bless. Nyquil762 otherwise known as at Mark in Virginia. I’ll publish my full name after the lawsuit is filed.
Dear Mark, I have been having problems with NFCU for over 14 years, and I did my own investigation myself. I file a complaint 3 times, and I think I have hope for my last complaint. I have my heart broken for others, and our soldiers for their problems with this GANSTERS. Hey, I think their will be no problems get close to my problems. I finally find the facts on how NFCU play like a fool on me. I have no mercy for them, because they have no mercy for me for over 14 years. I think I found their tricks, and how they earn billions of dollars from their customers. It is a long story about my cse, and it is on going the investigations right now. To make it short this is my email:- lsgregg@cheerful.com let me know what is going on. with love, and God Bless
Dear Mark, I been sitting since 4:00pm to 10:38 right now working on my case with NFCU. Ater I email you then I read you story I cried, and could not stop my tears about your story. It happens to me and my Husband. I was so strong enough to hang in here or over 14 years, because I am so pis of for this kind of fraud etc, and I want to get them so badly. I haven't give up yet. I had a lawyer was working on my case, and NFCU stonewall me and my lawyer. NFCU called my step mother and father, mother in-law etc. I have a very bad relationship with my in-laws, caused by NFCU. Hey I have a lot of story to tell. My husband and I would love to communicate with you. My husband almost loss his clearance security, but anyway I did fight so, so hard and did not happen. Hey, I want you to visit scam report, and read my story there. I was crying then I pick up the phone and call my husband he works night. I read your story by phone to him, and could not stop my tears, because we were severely burdens, and live so, so poor over 14 years. I believed in God, and that why I am still breathing. He is my driver, protector, and my everything. I did not know how we made it to today, but because he directed me to a hope. If have time read consumer affair, and others. or what is going on today about our Beautiful America it is already covered with fraud by business, and so forth. Just wonder when they took a large amount of my hard earning they may involved in politics, and funding ISIS etc. NFCU took a large part of our hard earning, and a large parts of our lives. I tried so many of the regulatory agency for help, but nobody want to help. May be because who knows they may be all involve with the GANGSTERS collecting money like those leaders of our country. I am thinking I would like to write a book about my live with NFCU for over 14 years. I would love to share my story about everything what happen to me with my husband caused by NFCU. with LOVE, and GOD BLESS
they are doing this to many many hard working people, I can't see any reson that they can close one persons account becase someone family member messed up with a seperate account, even if you sponsored your grandmother or ssome other family member that person should be responseible for thier own bills not you. Unless you signed for them or something. I remember in boot camp they posted everyones access number on a board, gee anyoen could of remembered wrote down your number and opened thier own account. seems they should review that persons loan application and go after them not you.
there are closing my accounts to for no reason. i had a family member who messed up there accout and not today i found out that Navy Federal CU is closing my hole family accounts my brother and 2 sisters and parents becauseof 1 family member. also a lady bu the name of Terry Awtrey is a pain in the as_ she had me faxing my personal information to prove i lived at the address on file i send here about 8 diffrent pages like ID, Passport and Bills showing my address and jame. i faxed this to her about 5 or 6 times.to prove my address. after sending the info 2 days letter after leaving message after message she calls me this morning and tells me shes closing my hole family account because one family members account was over drown. so i called HR vice manager and complaned and she call her supervisor and he call me telling me HR cant Help me and Terry Awtrey will beclosing my account . he was no help at all. put was rude because i called HR. but anyway if they dont want my business then theres others who would be happy to take it.
NFCU did not scam or cheat you out of anything. You state that you filed a bankruptcy against them, which leads me to believe that you had credit accounts with them that were discharged due to the bankruptcy. If you file a bankruptcy and it causes a loss to an institution they will close your checking account. Most lawyers or even websites that talk about bankruptcy will advise you to open a new checking account with another institution that you do not owe any money to before filing the bankruptcy.
It does suck that you had to file bankruptcy, but you should have researched it a little more before doing it.
Bad customer service
I received several phone calls on my cell phone today and yesterday from employees of navy federal credit union in reference to a credit application. Each time, I stated that they have the wrong number and that I would like them to remove my number from their system and do not want them to call again. After I inquired how they got my cell phone number, the callers informed me that someone provided my cell phone number as a contact number on an application. The name they gave me is actually someone who works for the same company where I work but there should be absolutely no reason that my cell phone number would be provided as that person's contact number. I have had to explain this to five (5) different callers today alone. I asked two (2) of them to let me speak to a supervisor or manager and both became very argumentative and refused to transfer me, citing reasons such as "there is no need for you to speak to a supervisor" (Caller's name 'lynette', around 2:30 pm today) or "you're not even a customer. " the last caller around 5:20 pm today even hung up on me after refusing to transfer my call to a supervisor. Several of the callers explained that the number was deleted but will not be out of the system until midnight tonight and that I would keep getting calls until then. Translation: I am still receiving calls from them on my cell phone while I am at work, about every hour now. As I am typing this, I received another call form them, called back their 800-number and the operator hung up on me as well after I asked for a supervisor.
The complaint has been investigated and resolved to the customer’s satisfaction.
That seems typical
I use Navy Federal in Hawaii because I refuse to use a Japanese bank. I still have a mainland bank for my military direct deposits but i use the Navy Federal account for my daughters school payment and for cashing check. I have had to two car loans with them and a small loan. The first car i had a loan with was traded in to buy a new one and paid off, it took SIX months for the dealership to get the title. The dealership kept calling us and my husband had to walk into Navy Federal 3 times to get it straightened out they still sent the title to our address! Everyone we talked to at Navy Federal told us a different way to take care of the situation we finally realise we had to deal with the bank supervisors to get anything done correctly. Second car loan we paid off directly it took 6 weeks to get the title in the mail. No letter attached, no instructions from Navy Federal on what we do with the tile or what actions they did to the DMV in California speed up 1 year later we took out a small loan with Navy Federal and used the car for collateral paid it off got the title in the mail with no instructions on how to take off them as a Lienholder so basically they are still on there, they have been on there since I paid off the car loan and didnt take any actions with the titles DMV even though it is in the Electronic Lien and Title (ELT) system. So I'm annoyed and I'm starting the process of switching the title to a different state so I can sell the vehicle. I never had a problem with Car Loans before!
I'm so glad I never fully switched over to Navy Federal as my main bank from all the stories I read here and my experiences this is the worst unprofessional bank I've ever dealt with. They seem to hire new people all the time that don't know what they are doing and it's very frustrating. I realise know that most people that work for them are newly trained and don't now much so they have a attitude to cover the fact they SUCK at their job.
Do I feel the lower interest rates are worth, no because that only applied for when I was a new member but now they think they have me and don't offer as good of a interest rate anymore.
I'm canceling my membership as soon as I leave Hawaii!
Interesting response from “QUIT[censored]ING”. To make the insinuation that people who have had a bad experience with a credit union and wish to share that experience with others have neither “sense or smarts” really demonstrates his lack of understanding as to what good customer service is and how free markets work.
Of course there is no monopoly and people can go where they please. It is feedback such as this that helps people make those decisions. Contrary to QUIT[censored]ING’s assessment of the situation, there are credit unions other than Navy Fed available to folks. Many of these offer the kind of service Navy Fed USED to offer. The false dichotomy of “you can choose Navy Fed or a bailout bank!” makes little sense, but then again judging by QUIT[censored]ING’s grammar and logic I wouldn’t expect much else.
You have HEARD-ever hear the saying believe 1/2 of what you see and none of what you don't. There is a reason for that, people lie, make things up and sometimes have no sense or smarts to be able to handle a situation like an adult. And if you read all the comments-most are because they complained and didn't get there way... This is not a monopoly-dont like the rate? the service? the fees? the whatever? you are welcome to go to one of those institutions that will bow to your every need and then take all your tax money in bail outs. Navy Federal protects our members and our assets; without going out of business or taking your tax money. Be mad if you like that we will not be bullyed into making bad decisions. We have a board of directors and policies for a reason.
I believe this story. I have seen quite a few reports of NFCU becoming more and more like the large banks instead of the member-owned credit union it used to be.
The BBB rates them as "F". (www.bbb.org)
Take a look at navyfederalsucks.com to see a laundry list of complaints.
Or there could be the possibility that you could be a victim of identity theft. YOUR # was used on a credit application. Think about it. That or someone who works for you is avoiding paying back money they owed and nfcu needs to reach them. I would check your credit report either way.
That wasn't Navy Federal then. No employee of Navy Federal would refer to account holders as "customers". Navy Federal is member-owned. Navy Federal also does not blow up phones in reference to credit applications. Sounds like someone may have been past due on an obligation.
Harassment
I have been a member with navy federal credit union for years paying all my bills on time every time until february 2008 when I unexpectedly lost my job in the financial services sector due to the changing economy. I then resumed work in april 2008 at a much lower income which put me in a situation where I no longer could pay my bills. Out of all my...
Read full complaint and 15 comments
Don't ever do business with them
They were a good company 30 years ago, but certainly not now. Their personnel now are rude and hateful when you call asking about your account.
After all the usual, "making sure you're the right person", they have cut me off, re-routed me to another person, and cut me off again. You have to go through an ungodly amount of menus to get back to the right dept... Just to be cut off again.
I even had one person say to me, "you're taking up someone else's phone time" when I asked about my account.
I agree... Don't ever do business with them. We quit them after over 30 years and are glad we did.
The complaint has been investigated and resolved to the customer’s satisfaction.
I totally agree...they are not consistant in their business and defiantely not professional. They make you feel like your taking up there time. Bounce you from one to another and still you never get the assist you need. Cold as Ice! In my 55 years I have never seen a bank stay in business like this. How do they get away with it?
I agree with the above commenter.
I think you are wrong. All of my family members are longtime members and my father signed me up as a teenager. I have tried to do business with other financial institutions just to expand on what I already have with Navy Federal, but I have NEVER found another bank/credit union that can compete with Navy Fed. I have always found the phone agents to be friendly and willing to help, but I rarely need to call because I make use of their online banking. The only people I know that have had issues with Navy Federal are people who don't want to pay their bills, are not savvy enough to understand the technology utilized by the credit union, or just don't take responsibility for their own accounts.
Lost title
My husband and I purchased a vehicle from a private seller who had a lien on the vehicle through nfcu. After we purchased the vehicle from him, he went down to the local office here in beaufort, to pay off the lien. Nfcu assured him the title would be mailed out within 2 business days regular mail. It has been over 3 weeks, and no sign of the title. I have...
Read full complaint and 4 commentsThey are absolutely with a doubt unreputable!
I contacted the consumer loan department and asked what the latest day was I could make a payment on my loans without it being reported to the credit bureau. They informed me the 25th would be 30 business days. I went in person to the bank on the 23rd and posted this payment in cash. Both the bank teller and her supervisor informed me in person that it...
Read full complaint and 14 commentsBad manners in which they treat their customers
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...
Read full complaint and 99 commentsAbout Navy Federal Credit Union [NFCU]
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Under Admiral Lawson they suck. They don;t serve the Vet they serve themselves. They have forgotten their mission. As you can see the Admiral is well fed and rich so screw retirees or young couples. I have been with them around three decades. Never have they been so unprofessional and deceptive. JUDAS ESCARIOT now runs NFCU. I will leave when my card is paid of. Mt credit rating was 842 with everyone except NFCU. They invented 802 based on 2 outstnding cards which have never been used is what it appears. MY total assets are roughly 140k to 42k Debt . I wanted 15-20k to help streamline my debt payment. They no longer want shipmates they want suckers. Hell my equity ration is better than theirs.
If any enlisted are on the Board of Directors there is a special place in hell for them. I can live without the money. Disloyalty is unforgivable. Curtis reminds me of John Poindexter. Hell just throw a Marine under the bus as long as you look good. These guys are just as crooked as all the other pigs on Wall Street. The enlisted swine are expendible. bj@jordanconsultants.us
Brian F. Jordan MSgt of Marines ret.
CEO Jordan Consultants.US
WWW.JordanConsultants.US
Tom:
RUN, don't walk, away from Navy Federal.
First: Have all of your direct deposit moved to a different banking institution and pull your savings out of there as well. That way YOU make the decisions as to when the money comes out and from where.
Second: Read all of the stories on here and on websites such as www.navyfederalsucks.com and see that you aren't the only one with problems with the credit union that you are a MEMBER of. Look at some of the responses given to folks right here on this board from supposed employees of NFCU and ask yourself if you want to continue doing business with an organization that treats folks with a level of contempt unacceptable at ANY banking institution, member owned or otherwise.
Third: Good luck with everything! Times are tough and we need to look out for one another. Something Navy Fed seems to have forgotten.
Call them and request information on Peronal Finance Management. NFCU will help...but if you are behind on loans/ credit cards they will collect the funds themselves. They figure "you spend the money...you will pay it back to us". Which I can see their point because they are lending you money...many millions of their customers...but if a certain amount doesn't pay them back then they lose money. NFCU is just protecting themselves...they don't want to end up like Washington Mutual did.