Navy Federal Credit Union Customer Service

User Reviews, Ratings and Comments

Navy Federal Credit Union customer service is ranked #274 out of the 1023 companies that have a CustomerServiceScoreboard.com rating with an overall score of 41.89 out of a possible 200 based upon 55 ratings. This score rates Navy Federal Credit Union customer service and customer support as Disappointing.

NEGATIVE Comments

50 Negative Comments out of 55 Total Comments is 90.91%.

POSITIVE Comments

5 Positive Comments out of 55 Total Comments is 9.09%.

Issue Resolution

Reachability

Cancellation

Friendliness

Product Knowledge

Disappointing Overall Customer Service Rating

  • Navy Federal Credit Union

    Customer Service Scoreboard

    • 41.89 Overall Rating
      (out of 200 possible)
    • 50 negative comments (90.91%)
    • 5 positive comments (9.09%)
    • 0 employee comments
    • Attribute Ratings
      (out of 10 possible)
    • 2.6 Issue Resolution
    • 3.3 Reachability
    • 3.1 Cancellation
    • 4.0 Friendliness
    • 3.4 Product Knowledge

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Posted by DISAPPOINTED CUSTOMER LAX


My experience with Navy Federal Credit Union during the tumultuous times of the COVID-19 pandemic has been nothing short of a nightmare. In May 2023, I requested a one-month deferral due to the ongoing challenges posed by the pandemic, only to have my trust shattered and my financial stability compromised. Despite their assurances of rectifying the situation early in each month, Navy Federal Credit Union repeatedly failed to honor their commitments. Each month, I was assured that my records would be corrected, only to find myself facing the same detrimental consequences by month-end. This inconsistency has cost me thousands in lost credit, jeopardized my clearance, and sabotaged my chances of securing a mortgage approval. Moreover, their erroneous reporting has not only impugned my character within their organization but has also tarnished my reputation externally. The repercussions of their negligence have been dire, impacting not only my financial well-being but also my professional standing. Adding insult to injury, Navy Federal Credit Union debited two unauthorized payments from my account in June, compounding the financial distress I was already facing. Despite their promises of remediation, their actions have only exacerbated the situation, leaving me stranded in a sea of uncertainty and despair. I demand immediate correction of the May 2023 late payment on all records, both internally and with every credit reporting agency. It is imperative that Navy Federal Credit Union rectifies their egregious errors and restores my financial integrity. I have never been 30 days late in my payments, and it is imperative that this discrepancy is promptly addressed to mitigate the irreparable damage inflicted upon my financial well-being. In conclusion, Navy Federal Credit Union's breach of trust and failure to uphold their commitments during a time of crisis is utterly deplorable. I caution others to exercise extreme caution when entrusting their financial affairs to such an unreliable institution.

Posted by Yaklers77


My husband is deployed to South Korea and had his debit card information stolen and used for $643 dollars. As soon as we noticed the charges, we shut off my husband's card (leaving him with no access to money) and called Navy Federal to notify them of the unauthorized activity. Navy federal rep said that they could not do anything about this until the charges were not pending. Once the charges hit our account, I submitted a fraud claim. I then had to go to a branch have a new card printed and mail it to South Korea. No one in their right mind would go through this enormous hassle if this was not in fact Fraud! Navy Federal denied the claim due to the card being used as well as the pin. It is really disappointing that they do not take into consideration that when soldiers are overseas serving this country that soldiers get taken advantage of all the time. My husband stated that "he never has used his pin because it never prompts for it." The representative stated that they did not need a police report because they would not be able to retrieve it and that it was not necessary. Upon entering all of the information they wanted they still denied it. There is absolutely no one to talk to regarding this and I was told by a representative that they do not go off of our story and that it is all data-based so even if you're telling the truth you're still considered a liar! Shame on you Navy Federal for treating your service members like this!

Posted by Anonymous


As a Customer of Navy Federal Credit Union for a number of years I am HIGHLY DISAPPOINTED WITH the customer service I received on 10/30 at 5424 Forest Dr #100, Columbia, SC 29206. I live in Charlotte NC and I recently had an emergency that funds were needed on a particular date and time. I drove an Hour and 30 minutes to the branch because there is no physical or shared location in Charlotte NC. I made a phone call to make sure that they wouldn't close early because my arrival time was 4:51 ( Bank Closes at 5) I arrived and got into the drive thru. After waiting in line 10-12 minutes I was handed a sign that says I was last in line to be served. I got to the window and was assisted by a very rude gentleman. I asked for a certain amount from my account and he said we only do a certain amount through the drive thru window... I paused and said ok may I come in and finish my transaction I have driven and hour and 30 minutes to get here ... he bluntly said we are closed now , but you can go to the atm and he knew that the atm had a limit of what could be taken out from there ( I didn't have a card to use at the atm because the bank had just mailed a new one the day before because my card had been compromised and I had not received it yet) I have never been so hurt driving all the way back home after being loyal to a bank for so many years. Needless to say I will be closing my account with Navy Federal.
Thank you to those that have exemplified great customer service. But this was definitely an example that one apple really did ruin the whole bunch.

Posted by Rich


CHECK, OR AN EFT IF THE DEBITED ACCOUIS A DOLLAR BUT YOUR MONEY MARKET HAS PLENTY OF MONEY OR IF YOU HAVE $ OVER $ 1000,000.00 PLUS IN YOUR CD ACCOUNT OR HAVE A Navy Credit Union credit card that has a limit of $ 14,000.00 credit the will still return the item so they can charge $ 25.00 return and if you complain they will screw with your Credit rating like Lower your actual FICO Score and the age of your and how long your tn the Credit Reporting Agencies accounts BEWARE OF THEIR INCOMPETENCE and fraud just to make them look good.FIRE THE NAVY FCU B4 ITS TO LATE AND TANKS IT

Posted by Anonymous


Been a member for two years. Somehow an outside entity was allowed entry to my online account, and fraudulently transferred ALL my funds to a fictitious recipient. An investigation was started and I receieved the funds back in about four days. This was a good outcome. HOWEVER, I had to change my account numbers, passwords, etc...and Navy Fed cancelled all my scheduled outgoing payments through bill pay. BUT, apparently one payment slipped through before thay could stop it, and (Entity unknown) paid the bill, even though I had made the payment via a credit card. So there was a double-payment. This unknown NFCU entity then LOCKED MY ACCOUNT, preventing me from paying ANY BILLS..
This entity is apparently A COLLECTION AGENCY THAT WORKS FOR NAVY FED. I have spent four or five hours up until today on the phone attempting to solve this issue. They are less than helpful. I am now forced to spend MORE time, at a branch office to try and unravel this nightmare. The collection agency wants the money back for the payment they made in my stead, that I NEVER AUTHORIZED AND WAS CANCELLED. The amount of disruption to my life is unacceptable. First they allow a thief to rob me, and then they hold my money hostage for an unauthorized payment.
I will most likely be pulling my business from them. Don't trust them anymore.

Posted by [email protected]


On or around November 7th 2022 Navy federal took $1075 out of my checking account and placed restrictions on my Checking account and credit cards because my live in girlfriend at the time disputed all big zelle payments she made to me for rent and bills over a 8 month period. once I told a member of the security team that was my sons mother and live in girlfriend at the time, he was able to remove the restrictions but he could not return the funds and then he informed me to provide evidence. I then went to my local branch and provided all evidence, evidence that I had her evicted from my home October 17th 2022 and she filed fraud after she was evicted. Navy federal then told me it is a civil matter and I would have to sue her but navy federal took my funds out of my account and never contacted me before doing so. Navy Federal helped this person Tyneka Scott comment fraud against myself, their customer of 5 years. After that matter everything went down hill from there. I have a business and a client paid me $1200 through navy federal member to member payment on or around March 8th 2023, Patrick D Eaton Was the payment NFCU member. Navy federal then took the money out of my account and informed me that the other member Mr. Eaton funded his account fraudulently and they had to recover that money back out of my account because I should have made him send the funds to my business account instead of my personal account. However, there was no option for that, he used my email address or my phone number to send the funds. After that incident on or around March 12th my cash app was hacked and $800 was withdrawn for my checking account. I contacted cashapp, my personal cashapp account was changed and I was told I needed to inform my bank about the matter. I contacted Navy federal and told them $800 was stolen out of my account. Nfcu gave me the $800 back while they investigated the matter. One week later navy federal took the $800 back out of my personal checking account and checking line of credit putting my personal and checking line of credit in the negative. I went to my local branch one again and filed this same complaint around April 15th and when I called in around May 18th I was informed all the above matter was still being investigated and as of now my personal checking account is accumulating fees nearly everyday and constant phone calls about my account being in the negative.

Posted by Anonymous


Fist I thought they were great untile stop getting alerts than could I wasn't getting the cards they were sending out evetime o complained than they would fedex me one I would get it than I couldn't activated ste it was error I notice I was getting charge fro debts that did not go through and charged a dollor when I mention about the card I didn't notice they were charging my account are saving accounts with out my knowledge because I was not getting the statements every mounth then checks started bouncing then came all this over drafte fees I could fight with them had no state ts than when I was getting deposit I had to to it on line but still not getting alerts no stay my this had been going on for over two years then they call themselves reordering the system t I would get a letter stating dear member no name that the statement I requested they could not get them be cause at the time the account wasn't open never made any sence then they would send behind that letter blank paper with no other information no account number nothing than I notice they changed the name only when I sysrted getting the alert it said fee checking I always had an e statement because of no branch located her at all in musk ok then checks with nothing but my name they looked bogus even the stores and other places would not take them i new of the one account but they open up 4 diffrent checking account and savings without my knowledge are even letting social security now the account had been changed they were doing all of this on there on ss only knew of the fist account I had Nd that what they were sending it to when complained about statements I was told in nov on 22 that because the first account was still open I could that be when they changed it 4 times and I could tell them because of no statements and I never got an chance to notify ss of the accounts because o was unaware due to not getting system ts every mount and when they were reordered they looked altered numbers running off the page and spoke with fraud they never cAll back spoke with N dtebn several times he was to call me back on dec 16 still haven't heard from him then I notice a lot of transfers being made out of saving to checking without my concent money missing also I even told them about this in 21 spoke with a Megan she never called back I don't get any answers but to me lies not from every on one because some of th I talked to are confused about it than they want to transfer back to fraud over N hour wait the card don't match up they don't clear when the charges are done seem like there are held in Oder to overdraft fees this credit union is a truer piece of work not only that you never get a call back are a straight answer Iam missing money and I want it back they need to have the Muir's to look into this because it a total mess sincerely mrs l c Kelley ps truly have been rip off buy the credit union sorry to say it Carrie's the the name navey federal not happy at all

Posted by Unhappy Member


I've been a member of NFCU for close to 2 decades, and very happy, and proud of the outstanding, polite, knowledgeable, and courteous customer service representatives, until this day. I called on a Friday night to report fraud and unauthorize transactions. This young man that was trying to help me was not too knowledgeable, and was not listening to my concerns. So I told him that I don't need his help. I called the following day to report it again, and for some reason this girl was asking me a "question", when I already told her what I want to to do with my card. She was speaking above my voice. She was very rude and unprofessional. I was waiting for her to transfer me to do the survey, but never happened. For 2 consecutive days I encounter unprofessional, no phone etiquettes, and probably bias to customers. I'm not sure what's going on with Navy Federal Credit Union,but I know for sure that my husband and I are pulling out all our accounts, and will take our money somewhere else. We do not need this kind of service.

Posted by Complaint


I first thought that they would be great but I open the account back in September but they claimed oct I open a loan in oct for 600 but they stated nov ok got 600 losn in nov 5 made first payment same mounth of 21 made paymnt 50.00 nov 26 21 it even show on the cbr snd balance 589 than dec made paymnt of 55 that went to 60 i over paid this loan but kept getting letter stating I was 106.00 past due first I want my 50.00 back made same mounth than I notice money missing than stop getting alerts than made a deposit 17.????.?? Than I was told that tech it was put on hold and could would not be avilable untile the 28 of June not true they took 502.00! That same day for over draft fees that were made that were not all mind then I had direct deposit come in for 18??.00 I requested to western Union me 800 since the othe money they claimed was not available so that left me with 1003.00 but the alert stated balance 745.00 I called immediately to ask about what happened to my money I got several diffrent stores none of which made no sense the claime that took 211. Of of the 1003 and applied to the 502 overdraft but they already took it out of the 17.???? That the claimed was put on hold than I started noticing that I was getting charge for atm 1 dollor snd charge for atm money that was sn error are not depense the rebate is a joke if you like in a city we're ther is no branch plebe make sure you keep all receipts and write down all tradition because what the are showing on computer are not accurate snd it always shows money missing 200.00 are more 138.00 etc also i it shows withdrawn than same amount aproved it is to have to have the debit card last 4 number that's not all true eith please check transactions will not show debt card at times than charges that have been withdrawn will show one one day with balance than same transaction will show back up days later with diffrent balances every time I inquire about money missing tell me to review statements that I never get I constantly calling because I don't get my statement on a timely matter when I ask about money missing that state what the show on computer Iam going to contact ncura snd who ever else if anyone is having the same issue please post this also I have a e checking now they claimed it's a free and easy account I never signed up for that than my saving ststes mms they could not explain that than told money market saving I didn't sign up for that either not to mention ifblise card they send a card number attached to checking account that I never received than they have to reissue s diffrent card but the card that you didn't revived is already attached to checking that you don't have when didn't recived statement s last year from April may June July when did received it looked as though it was altered and in brail know evetime require about money and alerts not adding up they stated look at your statement how when you don't get them i praying that if this is unethical practice that it will catch up It is said what ever you do in the dark will come to the light I as GOD for guidance on this because it not right it seems that I thought they were the best but i have made a bad choice so NFCU Iam that you pull phone reports when the deposit was made for 17.???? That day aswell as the day deposit if 1803 snd Iam resting 800.00 be out back into my account asap snd your alerts be audit swell as my account please it is the right thing to do

Posted by Anonymous


I was satisfied with NFCU till I got to this point.NFCU took money out of my checking account to pay for an account that's close.They told me the money was in bill pay spoke to bill pay twice and told me they never received any money.Went back to talk NFCU and keeps giving me the run around.This has been going on for over a month.Totally unsatisfactory and unprofessional that they can't find out where the money went to.Filed a dispute and now I have to wait for at least 10 more days while they investigate.Meanwhile I am short of 800 dollars of my money.Very poor service

Posted by NatalieDayTrades


I have been trying to set up a biz acct. Lori, Karen and everyone on the biz side refuse to set this up on the grounds that it is "high risk," yet, I was able to have a personal acct w/ them and do it anyway. (The only difference being that I am trying to get tax deductions through a biz.) When I asked them why I was able to connect my PERSONAL acct to a brokerage acct, Lori told me, "You can do whatever you want with it," but not with a biz acct to do the same thing? No one there understands the concept of day trading. They have not asked. I've been accused of trading bitcoin, being a brokerage firm (and all other kinds of terminology that these bankers don't know) to justify denying me this biz acct. I literally had to go online, Google what a broker was and read it to the supervisor Karen to explain to her that I am not a financial advisor professional. (When you set up a brokerage account, you have to tell them if you are a professional or non-pro. I'm NON-PRO. I'm a single-member LLC trying to take advantage of tax deductions.) I never told them I was trading crypto (and even if I was, they wouldn't know because it doesn't go through them. It's all done on the brokerage side and they can't see that.) When I asked Lori to show me the literature that specifically states I am not allowed to day trade, she refers me to the Business Solutions Membership Application. Lori had me go down to page 4 of 5 to the bulleted points of prohibited businesses. I don't qualify for any of them so I asked her to tell me which bulleted point applies to me. She refused to answer. I asked her to get me to her super so that maybe THEY could tell me and she refused to do that and told me the buck stops with her. At that point, I went BACK through regular customer service and got xfered to a "Karen" in Membership Solutions. Before even asking for specifications, she tells me that I can't do it. She said that there are classified documents that I can't see and THOSE are the ones that tell me I can't day trade.

When a person day trades, they not only have to set up a brokerage account, but they have to keep a certain amount of money in it called a "margin." So for example, if I wanted to day trade the e-mini S&P 500 futures, I need to keep at LEAST $500 in my account (I think by law if I'm not mistaken.) If I fall one cent below that line, my trading is frozen and I cannot trade unless I put more money into my brokerage account. They cannot automatically pull the money from checking account - and again, I ALREADY SENT $1,000 OF MY PERSONAL MONEY TO THIS BROKERAGE ACCT WITH NO PROBLEMS. (I closed it so that I could do it through my LLC.) If it's high risk, why was I able to do it with a personal acct??? So what I'm being told is, "We don't know what you're doing exactly, but we know you can't do it. We can't show you any literature that tells you that you can't do it because it's a secret - and no; we won't transfer you to someone more competent than we are that can easily get you set up." This HAS to be wrong.

Posted by supply chain logistics


being a veteran i joined navy federal thinking i would be in good hands there i found a deal on 140,000 worth of equipment for 50000 i put in loan application and for 3 weeks i cant even get a response on a approval, furthermore they give me a loan officer on the west coast who is 3hrs behind me, i cant even get her to respond to email, because i did not want to shop my credit around i have tried to be patient, now i am about to lose deal and lose the drivers i hired to drive the equipment...dealing with them is costing me money at this point.

Posted by macharp


I relocated to delaware during this cov-19 ordeal trying to find a home for my family here from Beaufort SC.
I applied for a loan and was approved accept navy federal credit union wont give them my bank info because i dont remember my password.
I tried to change the password but the bank wont let me without mailing a letter .I understand thier security but i have the all the other info .

Posted by Anonymous


I have NO access to Navy Fed at all. The web site is blocked! I have no email address! The phone app is blocked! Every avenue I try is blocked.
If I call, I must pay $1.10 a minute to be on hold - even if I use the collect number.
I opened this account in November 2017 and was assured that I could access my account over the internet. Totally untrue!!!!

Posted by Anonymous


I am very disappointed with Navy Federal. I wanted to trade in my vehicle and buy a new and refinance with Navy Federal, but I have had several issues.. Number one, Navy Federal never change the title when I refinanced with their bank. The old bank title and lien release is under another bank and was never transferred. I refinanced with Navy for three years and they never changed the information. When I went to trade in my car, I learned that I needed a lien release and title changed. I went to Navy Federal and they stated they never received it. Let me get this straight, I have been paying my car note for three years and you don't have any information for the car you refinanced three years ago. I have been fighting back and forth trying to get a lien release and purchase a new vehicle. They will not admit their mistake. I have been stressed and burden about this. I cannot receive good assistance. I have been banking with Navy federal for over five years and I am very disappointed. Looking for other options.....

Posted by lcj


The idea of using an app for mobile banking is great, would use it more except that I have noted that NFCU seems to think you need every bit of my personal information stored on my phone. What possible reason could you have for spying on us? You want access to every portion of my phones info, why do you need access to naked pics of my rear end? Why do you need to have my location, maybe I'm on the pot thinking about all of this. STOP spying, you need very little info other than verification to do online banking. I will NEVER accept your app under these conditions, again, why do you feel privileged that you need to have my most sensitive personal information from my phone? That stinks, stop it, get real, take only what you need to give good service, STOP spying

Posted by Very Upset Customer


My husband and I have been with NFCU for 15 yrs. We have never been treated by a bank supervisor ("C J") or customer service rep (Ryan) the way NFCU allow their people to treat customers. They were very rude and unprofessional. Lets just say NFCU just lost valuable customers. USAA have so much better customer service and appreciate their customers.

Posted by kreed


Navy Federal is horrible when it comes to deployments they cut my wife off my debit card after I gave them power of attorney for her to use my account. they had my wife and i running around in the heat making things difficult for no reason. Not military friendly at all! their stupidity has caused me a whole bunch unnecessary problems. My bills ended up being late which caused late fees all because they canceled my debit card. They said the reason they canceled the card was because my wife wasn't allowed to have my debit card while i was deployed. Even though she has a POA I have to get another POA and write a note on the POA saying that she could use my debit card. Absolutely stupid! Why would she have to do that if I already gave her POA over my account. I swear when I get back I am dont with this stupid bank and im telling everyone not to deal with them

Posted by ThatOne


Chesapeake VA NFCU. A Lady named Amy was probably the second rudest customer service person I've met, and both were in the Hampton Roads area.
Our interaction started with her telling me to go back to the front desk before coming to her counter and then it was all downhill from there. Her tone when talking to me was course at all times. She would go onto to make a show of it by stating loudly that maybe I should come back at a later time when I'm not in such a hurry, and that some people have many things to do and that she is working to help me. All of this of course was within the rudest fashion possible without being completely over the top, and trying her best to make me the jerk of the day.
I could add more, however, I'll end with the fact that I apologized for my actions that resulted from her actions towards me, and she never even thought of how rude she was nor had any inclination to apologize for her own actions. It's people like her that make society as disgusting in this era as in any other.

I feel for her next victim.

Posted by Travis


I'm a member of the Navy Federal Credit Union in Augusta Georgia. I recently went in to open up accounts for my five children so that Social Security can make a direct deposit every month. I was told that because I do not have birth certificates they cannot get accounts until I do so. If the mother won't give me birth certificate so that they can get a military ID why would they give it to me so I can open up a bank account. But I can walk in there with a person that has the same address as me and get them an account. Wow I know my kids more than I know these people. Navy Federal is a joke. I just close my bank account and my credit card. USAA here I come.

Posted by Anonymous


Very unprofessional,harrsssing,condescending, manipulative, customer service representatives,I suspect if the lower wage employees are allowed the thrive in this culture the "head" must be aware or is a like-minded individual,the worst its ashsme the few good employees have to be associated with the masses,but if only one would blow their whistle,show courage and most of all individualism and character,exposure is the best remedy for such a corrupt organisation

Posted by Anonymous


This financial organization needs someone w/customer service expertise,and someone w/ s little know how,thumbs up to the very few who works there who does

Posted by Anonymous


Just for the record I no longer use NFCU for anything....even closing all accounts and getting what was left in my accounts was a hassle.

I ended all business dealings with them May 2013, but anm still dealing with their nonsense today (March 2015).

I had an auto loan with them, refinanced it and paid as agreed. They submitted an erroneous 1099-c to the IRS only and now my tax return was reduced by over $1000, without any proper notification. I contacted NFCU (spent over 2 hours on the phone with them) and they not only have no clue what is going on or why I did not get any paperwork, they won't do anything to correct it. The department they claim that makes those decisions is not available by phone, how convenient.

So IRS won't do anything because they say NFCU has to submit the correction.

I spoke to an attorney and they said they can do nothing.

Posted by Allene Rae


Now that my ire has subsided and lassitude has set in, I can write about how inept the NFCU San Diego mortgage department is. As an adult I have heard the word NO more than once; so having a loan denied is not an issue for me. But when the reason for saying no is known to the loan officer on 8-6-15, then two letters of approval are sent by the same loan officer, and her supervisor, to the me and the realtor during the month of August, and then the letter of denial was e-mailed to me on 9-22-15 (dated 9-21-15), by the same loan officer in the same loan department, co-signed by the same supervisor, I had reason to become incensed! Forty-seven days were wasted!

On 8-5-15 I set out to purchase a home, asking NFCU to finance $70K on a 15 year VA loan, after I paid 35% down and would pay all closing cost cash. After speaking with the customer service person, who only took a small amount of the abundant info I brought with me, I was told I'd have an answer on pre-approval within 72 hours.

Hearing nothing, I called the loan officer, Nicole Randazzo. After several times on hold, she finally returned with a 'you're approved' (based on the income and other information provided and a review of CREDIT) and she sent me a 'pre-approval letter, on 8-14-15. Then the grueling mortgage process began. I received a couple of dozen forms to read; signed some electronically and had to print others out, sign and fax back.

A week later when I had still heard nothing, I called to see if anything else was needed. Nicole said she didn't know where Linda Allen (her processor) was in the process cause Linda was out of the office and would not be back until the following week. When Linda got back she wanted more info, some of which I'd already provided, but I sent all to her.

In the meantime, Nicole authorized an appraisal be done and I arranged for the required inspection of the property. With credit bureau reports in hand, an appraisal coming in over the purchase price, with a home inspection done and the seller handling the few repairs required, a 'Loan Approval' letter was completed by Nicole and her supervisor on 8-25-15. The proviso per the approval was "NFCU shall have the right to withdraw the commitment should the terms of the application as submitted and approved be changed without the prior knowledge and approval of NFCU." (NOT ONE THING CHANGED FROM 8/5 TO 9/21!) Upon receipt of this letter the realtor got the title company to agree to a 9-19-15 closing date.

Soon we were into the Labor Day Long weekend. So I sent an e-mail to my loan officer Nicole, only to receive a 'robo' e-mail back saying she was OUT of the OFFICE and would return 9-25-15, (six days past my assigned closing date). Nicole must have thought the 8-25 approval letter that she and her supervisor signed was good. Needless to say, I was not shocked when Linda Allen engaged a third person to help her with Nicole out, oddly enough it was Nicole's (and I assume, Linda's) supervisor, Narda Mc Farland, who signed the 'Mortgage APPROVAL Letter' on 8-25-15.
All of a sudden Ms. McFarland required electric, water, phone bills for several years past (in two other states) to confirm that I had paid my utility bills. Naturally I could provide everything from the current year. Don't know how many of you keep utility bills from 2-5 years back, but I didn't. So I did what I thought was the next best thing and provided her Utility Company names, addresses and phone numbers as well as my previous account numbers. This didn't seem to satisfy her, so she and Linda kept asking for additional info.

Mc Farland was so inefficient and incompetent, that on Wednesday 9-17 when my realtor ask for the documents for the 9-19 closing, she told him he would have to wait for Nicole's return (9-25) as she would be out of office herself from 9-18 until the middle of next week (9-25) then scurried out on vacation. So to recap, I started the process 8/5, got pre-approved 8/14 then one week in the processor took a week off, then the loan office was out for 2+weeks to return after closing and finally the Supervisor overlapped her week off with the last week of the loan officer.

Mc Farland knew at that time that she would be denying the loan. When it became obvious to me that the paperwork would not be ready for closing on 9-19, the realtor came to the rescue and asked for a one week extension from the owner, who had her veteran husband (co-owner) of the house in Hospice dying of cancer. She granted the one week extension so that I would not have to forfeit my $1000 earnest money.

Per Nicole, she was checking her e-mail so she was able to generate the denial letter; but oddly enough both Nicole and Narda Mc Farland's actually signed it on 9-21 and she e-mailed it on 9-22. So were both women out of the office as they said, or were they just sitting there waiting for my purchase deal to fall through? As I said at the beginning, I can handle the word 'no' or 'no we can't make your loan'. I cannot tolerate inept, disorganized, deceitful, ineffective, supposed customer service specialists who do not know their product who set out to deliberately hurt a client financially, by making them loose their earnest money.

It's too late to save me. Although their effort to cause me to forfeit money and lose my purchase deal failed, they still managed to injure me financially. They caused me to put my belongings in storage (they knew the house had been pre rented after I gave notice) and there was 2 sets of movers to pay, and there was extended stay and eating out expenses. And please understand that all three of them knew our circumstances, cause my wife literally begged that they just make a decision instead of putting two seniors with medical issues what they thrusted upon us!

I'm old and tired and one of the seniors who is on a fixed income. But if there is an attorney out there who does contingency work and wants to take on the NFCU, I'd be happy to talk to you. My out of pocket expenses was a lot to me, may be a drop in the bucket to you, but the damages for intentional pain and suffering should be large. As diabetics both my wife's and my sugar levels stayed through the roof due to stress, and they are still in the rafters six weeks later.

If you got to have a mortgage seek out Fairway Mortgage or Wells Fargo Bank and get treated like a valued customer instead of a joke with NFCU.

Posted by Jules222


My husband and I have been customers at NFCU for 25 years. Recently purchased a home through them. At closing of escrow on our home we went to NFCU in person to wire esrow funds to a different bank for $30,000, meanwhile 2 days later someone at NFCU decided to transfer the remaining balance in our account of $29,000 to escrow as well without our knowledge or our permission!! Weve called NFCU because we now cannot touch the money that they took until they can reinstate it and nobody cares! They said, someone will get back to you in the morning. The morning came and nobody got back to me so I had to call them again! Weve talked to at least 9 different people. This is above and beyond UNACCEPTABLE! We are withdrawing all of our funds from them and taking our banking elsewhere. Also, in the beginning of our loan process they misspelled our street name, which again, held up our entire loan. BAD company and nobody seems to care. Adios NFCU! If you dont give a rats patoot, neither do we.Also contacting the BBB, FCC, Attorney General & Consumer Affairs

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Posted by silverdolphins


Don't know what crazies are posting negative comments about NFCU. Been with NFCU since 1992 and have never EVEN ONCE had any problems. Compared to For-Profit banks, NFCU is god-tier in every way.

Posted by business acct


The people (CSRs) on the phone are top notch and very helpful BUT their systems and processes must be from the 80s or something. Bad clearing department; online has some big holes; and security may very well be at risk. They have cheap fees, but you "pay" for it with their lackluster efficiency & capabilities ... and the corresponding frustrations.
Be ware.

Posted by Anonymous


I really appreciated the customer service my husband and I received from Kayla, Camp Zama branch. We went to Navy Federal Credit Union Camp Zama branch to apply for a car loan. Ms. Kayla and other staff, and the manager there are so helpful and professional; Because of their great assistance, We got an approval for the loan in no time.Thank you for the great customer service.

Mrs.Benton

Posted by bc


Ive been in credit unions for 50 years and our move to Panama City and to the Navy FCU was made great, fast and without any problems, buy the wonderful Asst Mgr. She Knows everything and helped others do the right thing. Happpiest I have been in life with a credit union.

Posted by Yeah NFCU!


Great bank for personal accounts. Very techy up to date services. Nice people in the branch. My experiences are always very organized and prompt with them. Greatly appreciated. I would recommend this bank to anyone who has family in the military! Better than all the "Big Name" branches that could care less about you!

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Company News
Navy Federal Credit Union sees growth in Washington state
Navy Federal Credit Union President and Chief Executive Cutler Dawson. Navy Federal opened its first branch in Thurston County in December. COURTESY PHOTO. Recent Headlines. Tumwater students participate in global computer science event 37 ...
The Navy Federal Credit Union will invest $114.6 million to expand its headquarters operation in Vienna, Virginia ...
The Navy Federal Credit Union will invest $114.6 million to expand its headquarters operation in Vienna, Virginia. The company will construct a 233,000-square-foot office building and add 600 new jobs in Fairfax County. “We've seen tremendous member ...
Scam targets Navy Federal Credit Union members
Agency officials said a Citizens on Patrol member reported that he received correspondence that appeared to come from Navy Federal Credit Union. The message said: "You have received a monetary gift that will be added to your Navy Credit Union account ...