30 year soon to be former NFCU member here, not behind on any debt, EVER. Dealing with collection department is like being harassed by a ###ing imbecile. Obviously they promoted a flaming ### to run the place. Walk down the street and do business locally, face to face, in person, leave these ###s to rot in hell were they belong. Assclowns with no iota of empathy. Their favorite ploy is to drop your online payment and then blame your bank, or ACH or the Federal Reserve, and then restrict your online access to your accounts, then REQUIRE YOU TO BE HARRASSED BY LOW LIFES IN COLLECTION DEPARTMENT. WTF NFCU? Downright criminals want me to give them my checking account business, LMFAO, I NO LONGER TRUST THE NAVY FEDERAL CREDIT UNION! Can you believe it?
