Yes, NFCU, by far, of all (BOA, CITI, Wells Fargo) is the most HARRASSING and Annoying creditor to collect money. I too, have lost my job. I have ZERO income, but my entire family is harrassed daily.
I'm in the process of filing a civil complaint in court against NFCU, as well as having my attorney address the legalities. You are not only protected by the Fair Credit Act, but each state has its own debt collection policies that they may violate.
