Navy Federal Credit Union [NFCU]
Reviews and Complaints

I have been reading similar experiences with NFCU for a long time. I've heard from so many people being jerked around and lied to by their mortgage collections department, then losing their homes because NFCU will not work with them. Unfortunately, I've been having the same experience with them, trying to get my own loan modification worked out over the last ten months. You have to call them repeatedly, and get different answers every time. I'm just sorry to see so many families losing their homes because of Navy Federal.

I got a negative balance in my account because i got scammed, but if the sorry employee (female) who work at the branch off of western blvd beside redlobster and first citizen bank would have done her job correctly i wouldnt be in a negative. I sell avon and thats how the entire thing started. Anyways, the scammer sent me two more checks just because he/she thought i didnt know it was a fake but i received the fake checks through fedex and i took those checks bakc up to the same branch to two differnet women who automatically noticed that the checks were fake and they apologized for the other ladys mistake im like really though its not yall fault but if she had done her job the right way she would have noticed the checks were fake i didnt know it but she should have she works at the bank the other ladys said she should have noticed by touch, feel, and site that the checks were fake and i feel as though i shouldnt be held accountable for their mistakes and i hope i can get a law suit on that branch for their mistake

You are very lucky that you didn't get a mortgage loan with NFCU. We have one with them, and are unable to get any kind of real communication concerning issues and have had to deal with uncommunicative "service" reps. As soon as we are financially able, we will be going with another lender to refinance, and will not use NFCU for anything again! I have been a member for over 25 years, so that says something about their recent 'style' of conducting business.

I lost my job in 2010, after a disabling work injury.
I have been a member of NFCU since 1990.
My home mortgage is with NFCU. My mortgage payments are always on time.
Navy Federal Credit Union is owed $11, 000.00 on a Visa card.
NFCU sued me over my cc debt.
Chapter 7 bankruptcy is now proceeding.
Today, NFCU would not accept my timely mortgage payment when I went to my local Altamonte Sprgs., Fl. branch.
I was told my account has a number seven and that prevents me from making my mortgage payments. The teller tried to deposit the mortgage payment twice but failed because my account was locked.
So... the teller makes a phone call to someone in litigation.
I was put on the phone and was told to deposit my mortgage payment in my savings account. I was told that NFCU will withdraw that money and apply it as my mortgage payment. That means I have NO receipt of my mortgage payment, IF they do what they say. I can't access my account online and I won't know if my mortgage payment was even made.
I fear that NFCU might remove the money and not apply it toward my mortgage.
I am struggling very hard to survive.
I had the teller write on my deposit slip that this deposit was to be used for my mortgage payment as agreed upon, and initial it.
Stress and more stress.
It seems that NFCU is wanting to foreclose on my home. That is all i have left of value materially, in this world. I do have equity in my home.
Is NFCU trying to force me into a default on my mortgage by locking my accounts and refusing to let me make the mortgage payments?

Navy Federal sucks and they treat the people who went to war and defend their ### like ###. You guys are ###holes and deserve all the debt that you get. Kera I hope you never lose your job sweetie because you would hate to be on the receiving end of your own ###. I have been a loyal customer for 20 years the minute I lose my job and find one making less money you all up in my ###. N.F.C.U (Nasty###inCuntUnion) ###. And thats all I have to say. = )

We were with Navy Fed I am now with Marine Fed we have been with them for 20 yrs hubby 30 yrs service USMC he got a new job then was laid off and sent in paper work for reduce payment but times are hard, He just started a job with the VA hospital so with getting 1 pay check at the first of the MO then having to wait for his job check to start, I am just 30 days late they have been calling telling me that they are going to put a lein on my house, The Navy Fed told me that in my conversation that I said I was going to burn my house down, I said REALLY what are you talking about.. They have called family members looking for us, They call 2 to 3 times a day, They have said that I am hideing my husband from there phone calls I told them that he is at work.. I told them you put a lein on my house I will foreclose, I am glad that we live in NC there are laws that protect us from them but I have had it with NFCU they are crazy people, I called and made a payment yesterday for friday they called me back and said they are not excepting my payment and they wanted money today, I told them I already made a payment for friday that is when we get paid, , Sorry that is to late I said really what is one day to wait for a payment...

NAVY FEDERAL CREDIT UNION is like dealing with the mafia, run while you can and grab your money out of your checking and savings account before you go. This bank has a very well know track record for freezing all of your accounts if you are delinquent on "any one" of your accounts with them. I am past due by five days on a credit card for the 1st time and they froze my checking and saving accounts. (I swear). I had a personal family emergency, which can happen in life, and this mafia credit union did this to me. Don't try to negotiate with them if you lose your job! take whatever money you have and get you the best bankruptcy lawyer available. They will try to stall you for time and quickly start taking your assets away. Don't bother to send them paperwork to reduce interest or payments because it will mysteriously get lost. Sometimes it is just easier to walk away and start over. This bank will trick you but they will not work with you. I stop my direct deposit from going there. Please take heed to this warning. I feel sorry for our military personnel dealing with NFCU.

Corrected copy. Sorry

I agree completely with your comments. See the thread that I started a few minutes ago. I've copied it below.

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.
6 mins ago by NYQUIL 0 Votes

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.

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.

I agree completely with your comments. See you thread that I started a few minutes ago. I've copied it below.

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.

My husband lost his job. I am 30 days late on a second mortage loan with NFCU so what did they do freeze my checking account so now we have no money to feed our 4 kids or put gas in a vehicle to find a job. I called them last night and they were a bunch of idiots. They will not let me have access to the small amount of funds I do have. God Bless America I guess this is the way they conduct business.

I would just like to say that this bank has screwed me over more times than I can count. I have been a loyal customer for two years with my check going into the bank, and had a car loan with no missed payments, ever.
Now negative balance, no problems on my end at all. But yet they insist on giving my next car loan a three percent increase in interest..? Um, No THANKS. This bank has also had money "dissapear" from my hard earned bank account. Will all do respect Navy Fed, eat a D***!

So all your paperwork is stolen, and you don't notify your bank to protect your accounts? That is your responsibility not the credit union's. With all the fraud and deadbeats out there, I am glad Navy Federal is so vigilant and goes after deadbeats like you who don't pay their debts.

I'm leaving Navy Federal because the way they do business is downright inexcusable. I've been with them for 21 years and ahve always made payments with them on time, but yet they can raise my interest rates because of the economic conditions. Ever since i refinanced my home with another company for lower interest rate, they have turned their back on me. I have no debt with them and i'm glad...so long Navy Federal!

I agree, and I wish I would have read your story 6 months ago and the other ones I have read tonight. It is just amazing what this bank and many other ones have done. I think I am going to move my money to a small town bank. I have Bank of America military bank. I had a lot of problems with them many many months ago, but I guess they got a lot of complaints, and seem to be better right now. But I am still going to look into a small bank and put my money there.

I had similar issues, along with the fees being backdated and causing even more fees. This is how they make their money. Their multimillion dollar ad campaigns for more members don't pay for themselves, you know. The fees you and I paid help fuel NFCU's growth, when they can't even support their current membership load (try going to a branch and time how long you wait in line).

Interesting that a "non-profit" entity (that you and I are part-owners of) need to assess fees like this in the first place, let alone the shifty practices of transferring funds automatically and causing the fees to occur.

I found a local credit union and haven't looked back since.

I'm just had this exact thing happen to me. I had not used my card in 9 days and checked my account and some how received 6 overdraft fees OUT OF NOWHERE. Nothing was added to my account. The only thing that changed was the days that things cleared. That has got to be fraud or something. IM not giving up. They WILL remove those fees.

Maggie, lets pretend like Navy Fed didn't change their system with the soul intent on stripping money from their members as efficiently as possible (Lets also pretend that you're not a Navy Fed employee.)
It is still unethical docking YOUR customers $29 (yes they have since upped their overdraft fee, surprise) for $2-$3 purchases that go over because of a single $50 purchase that gets backdated, but magically reappears at the front of the line again, sending all your previous smaller purchases into the negative. I'm beginning to wonder if there are strings being pulled behind the curtains that determines when these fees actually show up on your online statement?

I have this same problem. I also notice that transactions sometimes take over 5 business days without any warning. I was told that its the merchants end. Funny, I used to be a merchant and card transactions were INSTANT. This happened to m today. It seems I overdraft my account last night after business hours. I deposited money not an hour ago before close of business. They are still pending and havent come through. Im willing to bet they are going to ping me on this. I cannot wait until I get rid of this bank.

I have had the same problems with Navy Federal Credit Union they have the worst customer service i have ever encountered. They turned my card off and the explanation was that it was a fraud alert. I was never notified of this and was told i had to order another card and the only offer they gave me in the mean time to get money was through a western union. I was out done to say the least because i had no warning ahead of time to prepare to get money. They stated that there was nothing that they could do. That i would half to wait for a new card. I am currently looking for a new credit Union to bank with. I am going to suggest to all my family members that i help get accounts with them to cancel their accounts and find a new institution to bank with.

You are correct that they use their check cards in such a manner. The best thing to do is get one of their "cucards" and use that to make purchases. It is used via PIN and is completely "online" so that the purchases are posted within a reasonable timeframe. Or you can leave them altogether as I did. I got tired of them trying to cross-sell something to me every single time I called.

This is a complaint board - if you don't like the complaints, Quit[censored]ing, go back to work. Your posts on here explain why NFCU employees are so incompetent. You're too busy playing around online instead of working. Michael Warren can ### all he wants here - that's what this site is for. Your posts on all the NFCU complaints only supports the validity of the complaints. Why don't you as an NFCU employee try to help research this issue instead of responding with the ###, defensive post? By offering to HELP (foreign concept to a NFCU employee) you could possibly determine whether or not his complaint is valid then post a fair response on this site. Your a-hole posts demonstrate EXACTLY how NFCU employees treat members on the phone - that is, when they even speak English.

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?

Have you called NFCU to request any information or research be done or are you just ###?

C- rating? Look at the rating for their national headquarters. The BBB has them listed as an F!

Navy Federal used to care about its members. Now they are boasting of being the largest credit union in the country and not focusing on the membership base that got them to where they are today.

File a complaint with the Better Business Bureau and see if that helps. Boards like this are great at letting people know, but the BBB has some teeth.

Better start filing your complaint.. Better Business Bureau has a C- rating for this company.
You can't seem to get rate locks in writing.. even when you are n their offices. Anything a CSR says to you you need to have an e-Mail to CONFIRM it in WRITING.

Thats what I have learned about dealing with this company.

There is a reason that the Better Business Bureau rates NFCU an "F". There are other credit unions out there that deserve your business much more than Navy Federal.

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.

At this point in my life based on the level of service and inconsistency among the different departments I would rather do business with a loan shark. You guys are awful, terrible, careless and unappreciative of your members faithful service. You truly should be ashamed of the business you are operating and I believe that if it continues you will self implode.

you said it :Lesson--Pay more attention to your statements and make navy fed reps resolve issues asap...

Quite honestly, you are lucky that the collateral was not repossessed. You are also very lucky that you did not end up at the receiving end of some potentially ruinous legal action. You don't deserve the title, because you do not own the title to the car, truck, snowmobile, or whatever it is that you bought. You do not own it, and you never have.

You agreed to borrow money to make a purchase that you could not afford on your own. NFCU provided you with the funds you needed to finance that purchase. You were provided with a promissory note outlining NFCU's responsibilities to you, and yours to return NFCU's funds. Obviously, they lived up to their end of the bargain, and since it was "written off, " you apparently did not live up to yours. The funds that you never paid back haven't just cut into a profit margin in some corporate entity. Credit Unions are not-for-profit institutions that do not have shareholders. They have members--and that includes everyone that has an account there. Minus the operating costs, all "profits" go back into the membership--improving rates and services. Legally speaking, they must for NFCU to retain its status as a credit union.

It is because of people like you, that folks that actually pay their bills may experience a possible increase in their loan own rates, a decrease in dividends paid on accounts, or additional fee that has to be instituted to recover lost funds. You don't deserve that title. And frankly, you don't deserve good customer service, because you would actually have to be a customer to get "good customer service."

You don't pay your bills, and feel no guilt for not doing so and that means you really aren't much but a thief that just got away with stealing a car. I hope you never get that title.

I have always had problems with NAVY FEDERAL ever since i joined the NAVY and left! They have recently sent letters wanted to close my account and WITHOUT my consent took money out of my account. After speaking to a supervisor which they sent to collections... UNBELIEVABLE. This is the most UNACCEPTABLE thing i've dealt with. They want MORE money saying I owe them from a few years ago... it's just another GREED.

This credit union is outsourcing there customer care to a collection agent in GA. That so called supervisor Sherry works in the pensocola office. I have her home address and car/reg info, anyone want to come for a ride and give her a little lesson on proper servicing of good customers, yes my dear, someone know who you are, where you live and might just show up some day and have a little sit down and expalin to you what it is like to loose something, like your job. Maybe if some asks in a niced way she will return the favor in a nice way with a nice steamer of a JOB! Open wide and remeber to swallow all of it!

Yes her name is Sherry and they are all very rude. I have talked to alot of them. I had one lady, and all she wanted to do was interrupt me at every chance she got. I finally exploded on her and told her she need to go back to customer service school. Then she did it again so I hung up. They will never get it there. Take your money out and go somewhere else.

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.

I just had a very similar experience and I've been a member since 1965.

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 they 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!

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.

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.

Call Center -- sounds like you work for NFCU! Did you even READ the initial post?

First, NFCU NEVER advised him there was a problem. He didn't realize there was one, not until he realized NFCU was charging excessive and unjustified fees and then taking every deposit he made to pay those fees, meaning that the account kept going negative. In no way was he "kiting" - nice try, blaming him for something he didn't do, sounds even more like you work for NFCU. Second, NFCU paid the checks, or the merchants would have contacted him for payment, which they never did. Thus, the fees that NFCU was loading onto the account were for its OWN benefit, no one else's. Had the merchants contacted him, he would have realized there was a problem, and it would have been dealt with immediately. For that matter, had NFCU even bothered to call or email him, this could have been cleared up fairly immediately -- but instead, they saw the opportunity to take every bit of money the kid made and deposited into the account without helping resolve the problem.

As for the tiny print disclosure statement that says they will take your money if you are a joint holder on any account that goes overdrawn-- that is a very little-known and not widely practiced policy. I spoke with several Navy personnel who had accounts with the credit union for YEARS and did not know that! Bankers to whom I showed that policy said it was unethical, and personally, I have never dealt with or worked for any bank that played such dirty tricks. Furthermore, that policy is not applied uniformly -- it is discretionary, since 90% of the Navy people I spoke with were NOT charged when they or their spouses overdrew their accounts, some by significant amounts (over $1, 000). Hiding policies like that instead of being upfront and open about it causes a lot of trouble for people (check out other complaints!) that could be resolved if the credit union were responsive to problems and ETHICAL in its practices, which NFCU has shown it is not.

The car was NOT collateral for the loan. He never signed the tiny, greyed out print on a small part of the BACK of the check. I had to go back and darken the copies we made several times to even see that wording. And we DID get the title, and that title was marked NO LIEN. Did you bother to read anything in the initial post? The point is -- there was serious lack of oversight on the part of NFCU in failing to secure the proper paperwork with the appropriate signatures from him, as well as with their agent who did not making sure the check was properly endorsed before accepting it and having the title issued.

Despite having behaved unethically and made several serious mistakes, neither NFCU nor its agent admitted it was at fault or tried to behave responsibly to resolve any of these problems. NFCU lied, violated privacy laws, took unjustified fees, altered his accounts, failed to respond to faxes, phone calls, and letters, withheld information that could have assisted in clearing up the problem and then gave inaccurate information. They even harassed other family members with accounts there by deliberately changing account information and changing charges from "paid" to "pending". They even refused to give information on closing the accounts until forced to, then closed accounts at their own discretion.

Oh, and they also LIED about him purchasing payment protection when he did the online app for the loan and denied him coverage, even though he'd paid for it and met all their conditions for using that protection. They can't even get their stories straight -- the only ethical person with whom he had contact verified that he did purchase the protection and told him how to file for it, but everyone else he had to contact denied he had purchased the coverage, paid for it, or was entitled to use it. He was even given the "story" that it took three days to put it into effect, which didn't matter regarding the time requirements, but that person seemed to think that 3 day gap meant there was no coverage! And the only ethical person was apparently told to back off, since after the first two contacts with him, she never returned any other phone calls.

I hope everyone who has problems with NFCU takes their problems as far as they need to in order to get justice, maybe then NFCU will stop their unethical behavior, stop lying, cheating, violating people's privacy, etc. and so on, ad nauseum.

I encourage EVERYONE who has ANY problem with this credit union to document every single transaction, phone call, email, letter -- keep detailed accounts of every person and the conversation and the date and time -- then when the problem isn't resolved (which it won't be), contact the National Credit Union Administration, your political representatives, and any other government agency you can think of about the problem, and be prepared to hire a lawyer. Otherwise, this "business" will continue to work its unethical, nasty little tricks on its account holders.

In this story, I would have to ask what was causing the fees to continue to be added. If it was the person that the bad checks were "inadvertently" written to (find that weird because "less than 10 checks" written when there is not enough money in the account is not "inadvertent" it is kiting), then NFCU will re-present the however many times the poor merchant that got the bad check tries to run it through. Do you realize that each time the check is returned, the person that took your son's check on good faith is being charged a fee as well?
Also, with regards to taking money from other accounts "without notice." What would you have done if you had been told "we will take money out Tuesday." You would have left all the money there so that NFCU could get these fees back, right? Come on. You were told when you opened the account if you decided to read the paperwork that came with it.
As for the CAR being held as collateral on a CAR loan. How do you NOT catch that. Did you not notice where you listed the VIN# on the check when it was signed? or notice that you did not get the title (or got the calls from NFCU asking for the title) or that there was a lien holder listed on the title? Also, you say he applied online. If you would like to check it out for yourself (though I know you will not) the VERY first page asks you what kind of loan you want and if you say ANY kind of auto loan it REQUIRES you to choose collateral of New Auto, Used Auto or Late Model Used. Does this not indicate it is held as collateral? If that is not clue enough, the part that he has to check kinda clues one in.
"When obtaining a collateral loan with Navy Federal, it is a requirement to have Navy Federal recorded as the lien holder within 90 days from the date on the promissory note.

Failure to comply with this request can result in the loan being converted to a signature loan with a higher interest rate and/or Navy Federal recording the title with Navy Federal as the lien holder. Any fees that are imposed by the Department of Motor Vehicle on Navy Federal in the process of recording the title the proper state will be debited from your savings account..
I have read the above disclosure?

I know as his father you would like to believe he is the victim and that NFCU is this big monster picking on him, but honestly, no one at NFCU wrote the checks for him and no one did the online application for him.

Thanks for reading.

This seems a little strange because NFCU only adds one overdraft fee per item paid.

Will you please provide the names/fax numbers of the BoDs and also, do you have executive management names/fax numbers? I am specifically looking for the CEO, VP of Public Affairs and VP of Customer Relations. Thanks very kindly!

I have been a NFCU "Member" since 1988. I have never missed a payment to them for any loan or credit card. I have never even been late for a payment. I used NFCU mortgage to buy a house in AZ. 4 years later my mother in GA, got really sick, so I applied for and got a job near her. I rented out the house in AZ for less than the mortgage because that was the going rate at the time. After 3 and a half years of renting the house out, and making repairs over and over, I got a HARP loan to lower the interest rate. Even with the lower payments I was still losing money each month. I decided to sell that house and cut my losses six months later. I put the house up for sale and got a cash offer of $5000 more that NFCU estimated the house to be worth six months before. NFCU then decided the house should be selling for $30, 000 more than the offer, effectively taking the house off the market. No one will buy an almost 10 year old house for more than they can buy the exact house for new, in the same neighborhood. I looked and found new and bigger houses in the area for $20, 000 less than NFCU demands this house be sold for. What do they care if I loose my savings on this house, they are getting paid. Why would they not take the deal? Because their bonuses are tied to how much they make the "Bank" no credit union. They haven't been a credit union for a long time.
Years ago I got a credit card from them at a good rate (about 2% less than Bank of America offered me) I asked for a $5000 credit limit, they gave $10, 000. I should have gotten it reduce, my mistake. Two years later they up it to $25, 000. Again I did nothing, bigger mistake. I put my daughter on it, who was going to college abroad, so that she would never be without if an emergency came up (biggest miskate). She used it a lot, but no big deal I'll just pay it off, by tripling my payments. NFCU then mor than double my interest rate. Their answer for my question of why?, was that I have too much non-collateral credit. Credit that they gave me!
NFCU is no longer in the business of helping their "member". Now all they want are bonuses, and don't care how many members they screw in the process.

...And I thought I was the only one that had problems with the loan department. I also have an 800+ credit score, a current home loan with a perfect payment record, and previously- paid home loans. I just applied for an interest reduction refinance, and requested the VA Energy Efficiency Loan to replace an old furnace. The new rate would drop my payment by about $250 per month. They have went out of their way to add non-VA required actions, in an apparent attempt to keep from doing the additional paperwork. When asked why, I was informed the loan supervisor felt that "people cannot be trusted to provide certain informaton about their homes" ... the information was actually supplied by my electric company and was accurate. I told them I was personally offended by their suggestion I along with other members could not be trusted. I have been a loyal member for over 30 years also. I want to contact the board of directors also, but cannot find the contact information, even after asking for it my email. Can somebody post this information for me?

We have been with NFCU many years now and have used NFCU for car loans, checking, savings, credit cards and other services. We have had no complaints in the past. However, going through NFCU to get a VA home loan has been the most traumatic and disturbing experience I have ever had, including the loss of my parents.

We went through the loan application process and received our pre-approval very quickly. Then the process of document-gathering began. I began working with a loan officer in the Pensacola branch named Ms. C. I began emailing her the required documents at her request. She was pleasant enough, but obviously did not know the necessary information to process a loan. Plus, every time I called in to ask a question, it was a very frustrating experience. I would dial in to the number Ms. C gave me, and with two exceptions, I got a different person each and every time. I would then have to go through my whole story of where the property was, what my question was, and the loan officer who took the call would invariably tell me, “I’ll have to review your file and call you back.” When you are working within a defined timeframe as with a mortgage loan application, this is very disconcerting. I do not understand why NFCU cannot assign a two-person team, as it were, to be accountable for each mortgage application. The applicant would then have an expectation that, when they call in, they’d know whom they were speaking with and that the loan officer was already acquainted with their file, thereby saving everyone valuable time.

At one point, I called in to ask a question and the loan officer I got asked me to send in documents that had been sent two weeks prior. She asked, “Where did you fax it to?”

I said, “I did not fax them. I emailed them to Ms. C as I had done with all the documents so far.”

The loan officer said, “Well, Ms. C isn’t here right now so if you emailed them to her, they only go to her email account. I can’t see them.”

I said, “Do you mean to tell me that, if I email these documents to one person, that person is not either saving them to a shared drive on your computer network or printing them out as a hard copy for a file to which everyone has access?”

On 20 January, I called in to ask a question, once again getting a new person who assured me she worked in the loan department and could help me. After getting my information, she asked, “If this a new loan?” I said, “It is a loan in process. We are closing a week from this Tuesday.”

She then informed that she “could find no record of our loan.”

I find that extremely reprehensible as a business practice. Going through the mortgage loan process is stressful to begin with, but working with people who you assume know the process and finding out that they know less than you do, does not inspire one with confidence.

When I had paid for our homeowners’ insurance for a year, I was told by Ms. C that we were $138, 000 under the requirements for NFCU. After calling back to USAA and talking to the insurance representative there, we figured out that, Ms. C was trying to have us insure the property for the amount of the home appraisal.

At this point, on 27 January, I called in to a toll free number for NFCU and asked to speak to a loan supervisor. A very nice woman helped me (and I am sorry I do not have her name) and called the Pensacola Branch. There were two loan supervisors there who went over our loan and a Ms. Mc got back to me to say that the homeowners’ insurance, was, in fact, correct. She assured me that we would close on time (9:00 AM on 31 January, 2012).

As I write this, it is 11:57 AM on 30 January and we have no HUD Statement of Closing Costs.

Don't let the NFCU fool you that it is serving it's members proudly, they love to hit you with excessive fees when they can, they are misleading and unhelpful offering pathetic Customer Service. Finding another institution is a better alternative.

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.

NFCU mortgage closing costs = $13, 200
Local bank for same loan amount = $1, 400

I've had similar issues banking with NFCU over the years, I agree that they have changed and local banking is the direction I approached.
Happy banking:)
“Stop Banking, Start Belonging”
SSgtUSMC

Better Business Bureau rates NFCU a "F"

Quit[censored]ing - hmm..."we accepted the business you gave." What a professional user name for an NFCU employee. Quit[censored]ing' s post confirms that instead of listening to members - NFCU goes on the defensive and continues treating members like crap. In addition to this bad treatment of "members" I've also been subjected to extreme cases of incompetence by NFCU which took months to resolve for each case. Though it was always NFCU's error - no apology was received. I agree, NFCU is not what it used to be. The number of members leaving for local banks is growing because the local banks are now doing what NFCU used to do 20 years ago - treat customers as having value and providing the customer service expected.

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.

I agree 100%, sir! I have a similar mortgage situation with NFCU and am now writing a similar letter to NFCU.

I am Not impressed at all with NFCU. I applied for a personal loan, and was gratefull they approved it. However, they mailed the loan to the wrong address (Physical vice PO Box as requested), then it took about 10 days to finally recieve the loan. I have made 5 request to have my mailing address corrected (each time I am asked a series of questions, as if I were being suspected of terrorism . I am waiting for a request for DNA to even have my statements mailed to me). I did not recieve any sort of voucher/or statement from NFCU (1st payment due). They started calling and making it sound like I was 6 months behind on payments (actually 3 days late). I tried to explain that I was waiting for some sort of statment/voucher. They claim that they sent a statement - you guessed it.. When I asked where they mailed it to mailed to the wrong address again. Now they give me a call every day demanding payments (which I have sent to them). I find overall their representatives to be Extremely Rude. They without a doubt need to be retrained in customer service. I am in the processes of getting another loan (Not from NFCU) and pay them off. Again, I would not recommend NFCU to anyone, and am sorry I ever started doing business with them (Bad Mistake).

"quit[censored]ing" your credibility is ZERO. Most of us have person an truthful stories to tell. I can't believe that someone without a person story to tell doesn't have better and more productive things to do with his time. Oh, I forgot, posting on these types of boards IS what you are paid to do.

NFCU is all about profit now. If you haven't noticed by now, they are cross-selling the crap out of people who are calling in, have waited on hold for an ungodly amount of time and have a serious problem. Nobody wants to hear that crap during times of stress. NFCU has gotten too big for its own good and it is starting to show. Their service reps are generally good, but utterly powerless to help you if you need a little mercy shown due to loss of employment or something like that. They really are a commercial bank in all respects but the tax breaks they get for being a credit union.

Steve:

I think we are beginning to see the "self-implosion" of NFCU firsthand. The emphasis used to be "membership counts", now it's "rack up as many members as possible and brag to the world that we are the largest credit union in the country!" Remember Hertz's ad, "We're #2, so we try harder"? That was NFCU several years ago. Now that they have a large membership base and in some locations a virtual monopoly on servicemembers, customer service has gone out the window.

Pedro77: Just because an organization is non-profit doesn't mean Mr. Cutler Dawson or other high-ranking officers aren't pulling in a large paycheck.

You can see links to many similar stories at www.navyfederalsucks.com

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.

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.

Yes, this happened to me also just now. Bad customer service and the loan officer doesn't even update for anything. Always unavailable and upon that we had to go through customer service and the customer service person was chatting with her. All along this loan officer was in her office not answering her damn phone dodging members. If I were you "Veteran United" is awesome because we got preapproved immediately. They have great teams that answer the phones immediately. They help veterans.

I also have had a issue with Navy Fed. They lost my Earnest Money $1000 for sitting on the application and not processing it. We couldnt close on time because of navy fed (out of contract) the sellers took our earnest money. I will be getting a Real Estate Attorney this week and taking their butts to court! DO NOT GO THROUGH NAVY FED WITH ANY OF YOUR LOANS! THEY WILL DO EVERYTHING THEY CAN TO TAKE YOUR MONEY AND THEY DONT GIVE 2 CRAPS ABOUT YOU!

We may be able to help. Visit www.myVArefinance.net. We are a bank and not a broker.

I was going to ask if you had to pay another Application fee.. looks like others have asked the same question. My bank doesn't charge an application fee.

Around 5 years ago NFCU changed all their documentation to FiServe (a division of Fidelity) thats why the loan process feels more commercial. Its not like they meet in committees to decide your loan anymore. Plus it is my understanding that they make you pay for an upfront appraisal that is only done with their own "in house" specialty selected appraisers. They have even bragged about the fact that their appraisal system is what keeps them from writing bad loans. Even though I hear they have written there fair share because a lot of the VA loans are no money down. http://www.mortgagebankers.org/mbanewslink/issues/2004/05/25.asp#spot1

It is well known that their loans outside of the VA ones are HIGHER then commercial bank rates even when paying PMI at 30 per month.. That's because they are very conservative in their appraisals. http://www.filife.com/reviews/navy-fcu-refinance-mortgage

Check your options with another lender..yes.. they all charge about $350 to do an application. Some of them love to make $$$ just by churning application fees..its should be outlawed the way these Bankers and Credit Unions are allowed to operate. No way to really do comparative shopping without spending at least a thousand dollars ..thats just for a minimum of three lenders.

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.

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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.

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.