Navy Federal Credit Union Customer Service Complaints - page 2

I made a call to Navy Federal (Sonny being the representative) this morning in concerns to my debit/checking card. I was concerned that my card was not activated because the last store I went to had an issue with it. I asked Sonny to check to see if there was an issue with my card. She asked for my last 4, birthday etc. She then asked for the last 4 of my card number. I told her my wife ran right up to the gas station and should be back very soon, I do not have the last 4. She then replied "well you aren't supposed to give anybody possession of your card". Ok, understood, Navy Federal Policy but at this point I just wanted to know a simple yes or no whether my card was good to go. She then replies "your card was good, but I just deactivated/closed your account". I'm so livid at this point I start getting mouthy, I understand Navy Federal Guidelines and fraud completely, but I told Sonny that my wife will be right back, 2 min down the road at the gas station. So a simple yes or no whether my card was good to go turned into my account being closed. She then proceeded to put me on hold, after about 5 min I hung up. I call back, get another representative, and I proceed to ask him if my account is good. He puts me on hold, comes back and says "Your account has been closed sir. You have to go to a Navy Federal Bank and get a new card". I'm super busy today with no time and he is telling me I have to go a local branch to get my card! He was definitely more polite then Sunny but was no help. I then ask for a Customer Service rep. / manager and he connects me. I spoke with Marie (I think?) and told her the issue and she reactivated my card. I've dealt with Navy Federal for almost 7 years and have had great customer service but Sonny definitely took the cake on being the worse experience I've ever had.

Been a NFCU member for over 45 years. Their VISA card services are in total chaos the last two years. We were denied charges while trying to do our Christmas Shopping and totally embarrassed at stores a mile from our house. 3 cards shut down and replaced last year. Fraud services robo cop calls our house weekly to verify we made the charges that they denied and had to use a different bank credit card to complete. They need to fire all the Visa dept and start over. We don't use their card any longer.

I have checking, savings, a credit card, and 2 auto loans with NFCU. Things are a little tight lately and I had to delay payment on the credit card auto payments are fine. Not even a week past due and they locked up all of my accounts and I have no access online or via ATMs. I am going through a bit of a tough time financially and NFCU makes things worse. How does not giving me access to my accounts help to pay sooner. moreover, I would expect this if things were over 30 days or worse.

You have an employee Heidi Williams who has stolen money out of my account and her Dad's account at NFCU. Now as of last week it has been discovered that she lied about who the father was of her 17 year old. She lied to the State of North Carolina about an assault charge so she could get her license to sell annuities for NFCU. She has no business working for any financial institution period. Unfortunately her boss Colleen Stewart is protecting her and not reporting what she knows since they are close friends.

Hello, I've applied for Federal navy Credit union almost 3 weeks ago and still havent heard anything. Is someone supposed to contact me? Thank you for your time

DO NOT GO THROUGH NAVY FEDERAL FOR ANYTHING!!!!!!! We have a vehicle loan though Navy Federal and its the WORST experience Ive EVER had with a bank!!!! I made an error (and I take responsibility for it). I set up online bill pay with my bank of america account and clicked to pay our monthly bills. Well i accidentally made the auto payment that was suppose to go to our NFCU vehicle loan to our other vehicle loan with US Bank (which is an EXCELLENT place for all your loans, etc.). well once I realized this it was past due, I went into the bank and explained the situation and tried to make a payment. They locked up my loan account and would not accept payment!!!! This is completely unheard of!! Never have I ever heard of a customer at the bank trying to give them money for a payment and they refuse to accept it!! Well after calling whoever on the phone to try to unlock the account to make a payment, the lady on the phone said no and that they will not accept any amount of money unless i pay 3 months payments (OCT, NOV, & DEC-its november!- dec payment isnt even due til the 15th) in full by the end of the day or else my vehicle will be repossessed. Well the man at main front counter (the main counter you go to to sign in when you first walk through the door) relayed this information to me VERY loudly while surrounded by 2 other NFCU workers talking to other customers right next to us. So bottom line, he blabbed "you have to pay 3 months payments or your car is gonna be repossed. They could show up at your house at any time." to the entire bank. The embarrassment was unbelievable and I was speechless at how rude and unprofessional this gentleman was! They continued to refuse payment and I could not afford to pay all of those payments at once so I just bypassed them all and went to western union to make the payment go directly into my vehicle loan account. It just does not make any sense to me. First of all, I've never heard of a business trying to repossess a vehicle unless they are 90+days behind and never in my wildest dreams heard of a business refusing to accept payment. Seems like a paying customer is more beneficial to a business than a repossession. Especially when the vehicle is worth less than whats owed considering I've only paid pure interest on this stupid loan and not a cent more to principle since I got the loan 3 years ago.... yes I still owe the same exact amount today that I did when I purchased the vehicle 3 years ago... another lovely attribute to NFCU. NFCU should really be on the "not allowed" list that the military puts out at each place. They are only in the business to screw over service members. Not help. Ive literally stopped what I'm doing to take the time out of my busy day to talk so many people OUT of using NFCU over the past few years. It really truely is an AWFUL place to do business. I've had nothing but problems with this horrible business. Never ever again! WORST INSTITUTION IN THE HISTORY OF AMERICA!!!

After 40 years with your CU (my dad was with you for over 60 years), I'm gone. Things were getting a bit tight and I called a financial counselor who was extremely rude and told me there was nothing he could do for me. I'm working with another company for a consolidation and your idiot company is calling me 10 times a day and telling me to call one of your financial counselors. Yeah...right...because the first time worked so well. Your ads talk a good game, but your customer service is nonexistent...once upon a time, it was second to none. I hope your company loses all it's customers and goes broke.

Hello. I am Mark Barnes, retired disabled veteran and a member of Navy Federal Credit Union for over 35 years. I have had several auto loans with NFCU and paid each and every one of them off. I have gone through some very tough times due to a failed business. In turn my credit score has suffered dramatically. I recently bought a car through Carmax and I was very happy because I was turned down everywhere. My credit score is in the mid 500's. The bad thing is, my interest rate is very high and the lender is known for what is called a rule of 72 or something like that . That means that all my payments go to interest and at the end of the term I will still owe the same balance on my car.

I recently went into NFCU to get the car refinanced. I bought the car very well. What I mean is, the car is worth more than I paid for it. So that means there is no risk to lend me the money because the lender would be able to re-sell the car to retrieve what is owed. I am an Auto salesman as well.

I was turned down by NFCU and I was very upset. After 35 years of deposits, paid off loans and faithful membership, all I get in return is "NO! you credit is to bad!" Other banks are willing to finance me but NFCU won't. This is the kind of Thank You! go away we don't need your business anymore, or we don't car that you need help attitude. If the numbers don't work then take a walk! I asked the loan officer to ask for special assistance and to see if they would take this on a case by case basis to help me. When she called, all she did wan accept the rejection by the loan department.

Cutler Dawson
President/CEO - I would like you to personally get this message. I would like you to look at your paycheck and think about where it comes from. Membership! loyal Membership. Where is the loyalty to the member?. Would the 1000's of members that belong to NFCU agree with your practices? When is it not a good risk when there simply are not risk?

I hope that my fellow members that have also fallen on bad times read this and send letters as well. All I can say in closing is BAD FORM! Thank you for making me feel like I am a worthless person and for not taking a risk on me when others will. Shame on you and the rest of the board members !

OMG! I agree with all of these comments on this page and more. So here is my horrible scenario with this obtrusive bank. Ok I had an incident were I transferred money from my savings to checking to cover my electric bill and cell phone. I was getting a direct deposit to. So a month goes by I'm thinking all my bills were paid everything is good until I open the mail and guess what! I got a disconnection notice from reliant saying they didn't receive payment. so of course I'm TICKED OFF I go online which is a illusion, because I found out that they don't have a feature to check on any ach or written checks that you have made to see if they cleared or not. The only thing that you can investigate is that you don't see the transaction at all! crazy right!so I call there stupid MORONS and went up to the nearest branch to get an answer to this mismanagement of our money thinking I'm going to get a resolution to the problem. Big red flag nope. both the branch manager and a supervisor on the phone couldn't explain CRAP, then they come to this bogus conclusion that it was the merchants fault and they tried to process the transaction on a later date. All bullCRAP! I got all the exact time dates from the merchants and they came up with another bogus claim well at that time you only had this amount so we refused it. So I go in and try to check it again online and I can't even balance my stuff because there's nothing it was only ... on the money side to balance my check book. So now I see there's altering or ghost gaps so you can't verify what they are telling you. So once again another greedy bank deliberately making you late on payments and making your transactions bounce like crazy so you pay them more fees. I only got back the bounce check fees after I complained on there Integrity problem. So now I pay close attention to our account and they did it again, this time I wrote down the exact amount that was in there when I wrote this check for only $45.00 dollars. They returned it stating at the time I only had 41.00 dollars the same trick they pulled the first time when I called customer service and asked her how did she calculated that amount and she didn't have an answer. Also a big huge red flag they don't tell you or send you any notice when your checking account has a returned checkS or when your ach transactions don't go through. Legally they are suppose to notify you immediately about those transactions not clearing since there's NO feature online or automated to check. So my husband is the military he got tricked into there bogus logo saying they support military families and soldiers yeah they will give you a loan and all that crap but now you just gave them the opportunity and permission to just play with your money. So I'm going to send a wonderful letter to there corporate office with all the late receipts and extra money I had to pay because of there incompetence. so let me warn you guys there are more banks that do these tricks so you can pay them. Let me give you a list: USAA, Harris bank, TCF, ExtraCo bank, First Hawaiian national bank, Bank of America, National city/Pinn and the list goes on so please get a full resume before you bank again with any bank or investor. This is getting ridiculous and it needs to stop.

Please explain to me the right you have to make an unauthorized payment from my other personal account, then tell me you will not return my funds until the amount you took is paid back in a week. Not late on any payments, 2 weeks ago when bill was due we had to make a partial payment, a more than 50% partial payment....you seriously have some nerve and a report will be filed the FTC immediately.

i signed up for overdraft protection and they froze tge account when i never got told it had to be paid off in full or it would be frozen and when i called them it was all the run arounds and that they didnt want to help and fix the problem and resolve the problem.

On March 27, 2014, I had a very unpleasant phone from a Ms. Blake at extension 73441. She stated that if I did not give a checking account number to have the following payments $12 on March 31, $395 on April 4 and $395 on April 30 then my account would go to litigation. As you know I have been making payments every month to all the accounts so I am unsure why this action was necessary to take.

I have been making all the required payments as requested on time and in the manner requested. I didn't want to give my account information but when they threathened that if I didn't my account would go to litigation and that my pay would be garnished. I had no choice. I have a family and they need to be taken care of.

At the same token when I explained to Ms. Blake that I had been making the payments and that those future payments I would be happy to go into Navy Federal Credit union to make them she and her supervisor stated that those were not choices.

Also while I was on the phone with Ms. Blake trying to explain, the supervior was also on the phone the only thing is that he didn't make his presence know when he got on the phone so I thought that Ms. Blake was the only individual that I was talking to. But the supervisor was listening to the conversation. When he made his presence known I asked him if he had been on the phone and his reply was that the phone call is recorded and I must be crazy if I was not aware of this.

At that point he informed me that if things were not resolved tonight then I have no one but myself to blame and that my case would be placed in litigation.

I can understand if I had not been paying that this tough stand should be taken but that is not the case. I am very very disappointed that after being a customer for 25 years this is the reputation that NFCU has.

I have never had any problems with Navy Federal Customer service however tonight I had a very rude customer service rep, who could not assist me in the least with finding out what happened to a debit card that I should have received days ago. She referred me to my local branch, which didn't make any since to me....YOU ARE CUSTOMER SERVICE RIGHT?

We have been a Navy Federal Credit Union Members and Share Holders for over 20 years. Our experience with this company and credit union has been getting worst and worst every year. They have very RUDE customer service people. This company does not care about their members at all. They only care about one thing is making money and their own employees only. If you have an issue and you let them know on how you feel about the problem, if you don't like what the out come is, or they don't like what you say to them, they will ban you from calling into their call center. Yes they will do that. If you don't like it, too bad. Again these so called people that run this Navy Federal Credit Union are a bunch of morons. I had my credit card stolen, and my check book stolen, these idiots did not want to stop my credit card or checks. They said it was my problem to deal with. We have filed complaints with NFCU and they won't do anything. They won't allow you to get in touch with the president and CEO of NFCU. I think there is no CEO and they have people there that have no clue on what they are doing, because any legit bank or credit union would have direct access to the president and CEO office or assistance. Also any legit bank or credit union would allow their members or customers to call the actual credit union or back branch. Navy Credit Union does not allow their members, customers or share holders to call the branch directly. What do they have to hide? EVERYTHING. I suggest anyone and everyone, think twice before you do any business with this unorganized company. Just google Navy Federal Credit Union Customer Complaints. You will see for yourself on what a courpt company that Navy Federal Credit Union is. I am going to STOP doing business with this unorganized company. Every customer and member that has had an issue with Navy Federal Credit Union, needs to all file complaints with the Better Business Buera, National Credit Union Association and probably a BIG Class Action Lawsuit against Navy Federal Credit Union. Any member, shareholder past or present who has had an issue with Navy Credit Union need to email your complaint at [email protected]

I came to Navy Federal Credit Union because I thought I would get excellent rates on my car loans (in which I did). However, the stipulations that are behind the loans are what is "mind-boggling". Navy Federal will temporarily suspend your bank access and your debit card activity if you are late. I have never encountered this during all of my years of owning multiple vehicles and dealing with multiple institutions. The puzzling part is, what purpose is it serving or what is Navy Federal trying to accomplish by doing this? They have a ten day grace period from the date your auto loan is due. After the ten day grace period and a payment still hasn't been made, they tack on a late fee. Uusual!! However, how can you penalize a person a day after the loan is supposed to be paid by temporarily suspending FULL online banking activity. My personal money doesn't have any merit when it comes to my car loan. Eight days of non-payment, Navy Federal shuts off your debit card. Really? This is impractible behavior. I think this is over kill. I can halfway understand if there isn't a payment made after the ten day period,going the lengths they go but to shut down bank access the day after the payment wasn't made is bizarre. Also, why shut your card off the day after the eighth day? What is the reaon behind that? At least wait until after the day ten to do that. I do not know who came up with this process. Whomever decided to, clearly didn't really think things through. Not all customers are going to be able to pay their loan on the EXACT date. It's inevitable! Customers have other important bills to pay first such as mortgage or rent, debts, etc. So therefore, they may have to wait until the next payday, which is another ten or more days out depending on what day the initial payment was due. This will definitely cause a person to be late. There are already penalities for being late, such as a late fee after the ten days and after thirty days, it goes on to your credit report. Why more punishment! You shut my card off, okay! I have a Navy Federal right up the street from me. I can just go to the bank and get money. To me it really doesn't do anything to shut my card off. To those customers, who have children and are not able to get to a Navy Federal Credit Union, it is a hardship to feed their kids if this was to happen to them. Someone can be on a vacation abroad, at the gas station with their gas tank on empty without any money, at a grocery store buying their children food (in line paying) etc. and they will be stuck. This process just makes it much more of a pain for customers. This is a great way for customers to leave the institution.

I have been with this organization 29 years. Of course when there are no issues everything is fine. The problem is that when something goes wrong NFCU is horrible. The staff is incompetent, managers are no where to be found! It is appalling! You bank here, you bank at your own risk!

due to lack of urgency,and poor customer service nfcu is allowing a disabled vet,his pregnant wife and 2 children to be homeless. the vet didn't receive his payment due to shut down, and even with his steady work history they would help with even a small loan,or a credit for a paycheck a few days away. i hope the board members are proud they really care about us vets.

can anyone in the corporated office help me with this issue on this account information that I need ......if it was closed or never exist pleased send the information ....I been waiting to long already have talked to many people on phone and on the banks branch, I also requested on corporated office last thursday they said they would send me a letter now how long is it going to take to have this information...pleased help

my question was to the banks that i visit about a account, if it was closed and wen was it open .....I have asked 20 people by phone to pleased send me the information by mail or e-mail I have not gotten a answer so I wen to the bank on brookhurst i oranhge county talk to the manager which he stated that they will send me a letter about the account never got it after he said it only will take 2-3 days as I express need the letter for my worker so I can get medical never got the letter so I wen to another navy bank on moreno valley spoke to bianca and the supervisor and manager after 2 days they said I need to requested to the corporated affice after I told them need the information as soon as possible nothing my medical might get denied cause of this letter that I need that can give me the information wen wasit open and wen was closed the I have asked this information to be send to me about a month ago now I spoke to hillary and kim they said the same thing account does not exist or has been closed but not a single letter of information that i requested to give it to my worker has been send....what happen I am still waiting if my medical be denied will be based on not getting the information that was requested again why the bank can give this information to me

I am a business owner and I have a personal account. In the business account it appears that checks are held until the account is too low and then I am charged a return check fee. For example, I have spoken to a vendor on several occasions whereas they too believe this is what is happening at Navy Federal. They sent a check back on Monday and as of today Friday the check has not posted. Right now there is money in the account to cover the check, but I am quit sure that Navy Federal will wait until the account is somewhat low and charge my account a return check fee. It is sad that they work like this....I have been a member for over 2 years. It is time for a change. Also, I have a direct deposit for my personal account that is deposited one day and I am not able to touch my money until the next day.....

I recently joined Navy Fed and decided to make them my one stop financial center. Everything and everyone is great except for one area, trying to bring my home mortgage over to Navy Fed.
I would like to discuss my concerns with someone from the Corporate Office.

I did not get the warm and fuzzy....I was declined a loan because someone got lazy. I was told that I lived in a high crime zipe code (red lining) and was give a letter saying due to extenuating factors exhist regarding your navy federal account (please note that they just gave me a unsecured line of credit for $10,000.00. ) I want to refinance my car. They then told me to bring in my bank statement and my paycheck stubs. I just had surgery and had to be driven there. The statements were the same as the one sent to "operator1" email address.The manager (charles Moon)did not ask any questions and then placed in the file that the documents were fraud....I am an honest person and feel that I was discriminated due to my income (not believing me) and red lining of my zip code...In addition they ran my credit each time for every product that I wanted (dropping my credit score)....I have a bad taste in my mouth and world not recommend this institution....I am stuck with 3 inq on my credit report for the next 2 years because someone was lazy and black balled my file. PS my daughter worked for Navy Federal and I was a former Bank Manager with my 6 and 63, with 25 years..I was looking for a small bank and got the big bank treatment!!!!!

This bank is very ill mannerd to things that members have issues with my concern is that if I have things pending that I did not authorize I should be able to dispute I should not have to wait 3-4 days for it to clear the reps are rude you s/w sup oon floor and they state you can not speak to a person higher then them if you have my money I should be able to s/w who I want to instead of always visiting the over crowded facilities they have this is a bunch of B/S THAT NAVY IS FEEDING PEOPLEIS SISTUATIONS LIKE THIS .

Navy Federal Credit Union's customer service is overbearing and borders on rude at times. I live overseas and have had my credit card restricted multiple times for fraud protection reasons. Which is good protection, but when you live overseas it becomes burdensome. The explanation I received for the need to verify specific transactions every time was a flat out lie. With Navy Fed, it really is a their way or no way type of attitude. Generally, terrible customer service.

I have never seen such a poor excuse for a Navy Federal Credit Union as the Santee Branch. You can never find a Manager or Assistant Manager. and for the most part the employees seem to run and hide instead of doing there jobs with the exception of a few. They always seem to be under staffed and you have to wait over two hours for a loan. I have thought many times of taking my business elsewhere.