Ok, let me clarify your situation, when you accepted the Equity LOC and didn't have to pay a penny in closing cost with agreement you would keep it for a certain amount of time or repay you had no problem; but when you couldn't get your way you threw a fit and when your tantrum didn't work you decided to threated and now you are complaining? How would you feel if Navy Federal requested for you to pay them for a service you didn't recieve and then threw a fit threatning to close your accounts if you didn't give pay us for something you didn't recieve? You see my point? Tantrums and ultimatums get you nowhere. Navy Federal doesn't threaten to throw you out of membership because you choose to go somewhere else for your mortgage all those years, we accepted the business you gave and treated you fairly. If USAA could offer something they couldn't...fine...go with USAA. However, that gives you no reason to be angry because you couldn't threaten your way out of a situation.
Have you called NFCU to request any information or research be done or are you just ###?
All rates state as low as... that doesn't mean you are perfect and will get that rate... and every institution that posts rates does the same thing becuase with so many different factors there is no way to tell you what your rate will be without submitting your request.
Hint...NFCU is non-profit. Try this-maybe if you didn't act as if they owed you because of your lengthy membership and many accounts and were instead thankful for they have assisted you with and understand that nothing is perfect and every business has some growing pains, then maybe they would be compassionate back and together you could find a solution for your dissatisfaction. But since instead you choose to complain to a website that doesn't effect how NFCU operates at all then nobody will hear you and nothing will change. It's a shame becuase I agree that not everything is perfect but I do know that they do seem to care about service to members-all members-not just those with lengthy service. I would assume most expect to be treated fairly whether a member for 1 day or 10 yrs.
I understand your complaint and that it is frustrating, however, whether you are both members or not NFCU cant release information to another person about an account they are not on. It's called the privacy act. Do you have a bill of sale?
to jenn-have you called and asked?
USAA does the same thing...don't have people on your account that you don't want to have your finances attached to.
He sounds like a dilusional mental case...just a personal opinion.
JUST A FEW THINGS
1.) please explain inadvertently bounced checks-if you write the check BEFORE the funds are in the account-even if you think they will be there-it IS called KITING and is illegal-the govn’t has even initiated a new Check 21 system to try to reduce/stop check KITING……
“Check kiting is a form of fraud …. Some people have been known to use this method, called circular check kiting, when several checks on an overdrawn account may come due before a paycheck or other regular funds can be deposited.” www.wisegeek.com
2.) “they continued to run the checks through their system” –THEY in this case is the merchant your son wrote the draft to-let me explain that when you write a check to a merchant YOU are guarantying payment and NFCU must submit those through each time they come in…it charges you and the merchant-remember back in the day having to pick up your check from collections agencies and paying them
3.) “they then proceeded without notice to drain MY accounts, because I was a joint owner with him.” JOINT-that means you are equally responsible-don’t share finances with those you don’t plan to pull the slack for
4.) “They do not give notice, either, they just begin transferring money, and they do not even specific what account it is going to -- the accounts only show the notations 'Transfer to Other' or 'Transfer from Other', so it took me a few days to catch on to the sneaky behavior.” SNEAKY? Who wrote checks when funds weren’t available in the account? We only took what was owed in your agreement for your account that you will pay $25 for each item that is returned-PERSONAL RESPONSIBLITY
5.)“I faxed letters … I had to contact our congressman…I wrote and demanded…” Why do people feel that if they complain and throw temper tantrums that they will get there way, parents please quit giving in to your kids every whim-trust me it follows them through life.
6.)”The next issue involves a small loan (a few thousand dollars, he paid 3/4 of the cost in cash) my son took out to purchase a new vehicle. He applied online at NFCU, and they granted him the loan. They sent him a check to sign and turn over to Cleo Bay Honda. At NO time did any rep from NFCU or Cleo Bay tell him that the vehicle would be used for collateral, and we never received one piece of paperwork for him to sign off on regarding the loan or using the vehicle as collateral. That made sense because being military, they knew they would get their money one way or another, and the loan was relatively small.” –Seriously? He got a vehicle loan in which, if he didn’t read the online app when he applied, he did receive the loan draft-which has the vehicle info on it and he must have signed over to the dealer (if not they wont accept it-kind of like a check) the paperwork comes with the check when you receive it so saying you didn’t receive the paperwork is well…BULL. So again PERSONAL RESPONSIBILITY…
7.)” bogus overdraft charges”-This would imply he didn’t write the checks? If not then he needs to fill out a police report and a fraud claim, but we know he did and messed up. We all do at one point in life, here’s the kicker-adults take responsibility fix their own mistakes and learn from them.
Ok so maybe some inconsistent information was given but you did agree to a due date when you accepted the loan you applied for and if you chose to pay that late every month you should be willing to take some of that responsibility. Customer service is there to assist not handle your finances for you. You have statements, online access and 24/7 phone access. If you were given incorrect info and recieved your statement or monitored your accounts you would have caught it before there were "feeS" and maybe had better luck getting it waived-which means it comes out of our pocket-those fees pay those collections agents that are hired because of those people who can't pay on time. I strungle as well but I know what my bills are and make sure they are paid on time or before the due date because with 30 days in a month I know I have to pay it at sometime and if my bill is due on the 10th and I get paid on the 5th and 19th- I pay it on the 5th; it's not going to be cheaper on the 19th. It's simple sense.
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.
