Why would they give YOU something if you won't give them anything? They trusted you and leant u money and now u are not even paying them back. They even wrote off the loan! That means that NFCU paid for it out of their own pockets! Maybe you should try to prove yourself by working out some type of pymnt plan. I understand it's difficult when you are in the situation you are in...and I know u are not blowing ur money on stupid things...but we don't get a free ride just because of financial hardship. We just have to deal with it and move on in any way we can. So maybe you should have the DMV contact NFCU and see how that works out.
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.
This seems a little strange because NFCU only adds one overdraft fee per item paid.
you said it :Lesson--Pay more attention to your statements and make navy fed reps resolve issues asap...
I agree with the above commenter.
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.
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.
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.
UMMMMM did u REPORT FRAUD on your card? NFCU is not the ones billing you for these. It sounds as if someone got your card #! Call them and report fraud they will send u fraud affadavit and chane your card #. That happened to me in the past. If you refuse to pay then u will just be hurting your credit.
What in the world? The "get gary" thing just seems weird. Obviously we have not heard "credit unions" side of the story.
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.
A lot of companies that house credit cards will have a fraud protection system that will automatically block a credit card when it sees unusual transactions. You mentioned the ITunes charge. Well if it was just one charge as you say then that is probably what caused the block because itunes charges are usually small in amount...usually 99cents and most "fraudsters" that obtain credit cards will run a "test" charge for some crazy amount less than a dollar and if it goes through they will wait and then put some OBSCENE amount through for thousands of dollars or hundreds of dollars. So it may not have even been that you were travelling. To me it just seems more convienent t o have my card blocked and then to verify the charges then to have some fraudster max out my card and then have to wait for an invesitgation to complete and all that be be able to get my money back.
Wow this was 20 years ago. Are you sure your accounts ar still open? Have you called NFCU to have them research? Are you sure that is was $235? Are you sure you didn't have any bills from late 1989 or so that came out of the account and made it a zero balance? Do you still have the transaction register or an old statement from 1989?
I agree. Nothing nor no one is perfect and that includes all businesses. But acting like you are OWED something definitely doesn't help. I doubt NFCU will self implode though. I have an account with them and they seem to have things pretty straight there. Better than Chase or Citibank who are ALL FOR PROFIT and jack their rates up to 28% and have all variable rates and most of their employees are not "from around these here parts". Just stay calm and if you do not feel you got the best answer hang up nicely...then call back and explain your situation to the next rep. They are usually more willing to help when they hav a nice person on the other end. I have been in the same situation.
Yeah if any company released info to people not listed on the account then we would have a lot more I.D. Theft going on in this world then we do now. That's just like if you dropped your wallet with your social security card and drivers license in it. IF someone walking behind you picked it up and started calling around from bank to bank and saying they are your husband or wife and need to find out bits and pieces of info...before you know it you would have a mortgage in your name...and a car...and a creidt card...
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.
I agree. I have dealt with many dilusional mental cases in my time. A credit union is not jsut going to be throwing a person out of their bank and monitoring their phone calls and whatever else was in this post for no reason. Their must have been some type of harrassment by the customer.
Sounds like the person's check bounced is all it was. They didn't jsut remove the money from the account themselves. The check had to have bounced and that is why you see it going in and then going out. Bounced check. Sorry.
NFCU collector, I understand the job is frustrating but you are doing no good by telling people they are wrong. Whether they are wrong or not it doesn't really look good on you to get on this board and put people down like you are. That's not good for trying to move up in the company and make it into trainer or supervisor or vice president. It also is terrible that you made note that you know Joseph List and Kerry. If someone within NFCU saw some of the posts you made on here and happened to know Joseph List or Kerry they could easily start to narrow down who you are. You are a Delinquency Control Counselor, you are male, you supposedly have good numbers because you are the top person on the floor, and you have made it known within the company that you want to move up. If you actually want to move up in the company I would settle down on the complaintsboard a little. It is unprofessional. You don't know who is watching this board. I am sure in an HR perspective it could lead to termination. No questions.
