Navy Federal Credit Union

You have an employee called John **. I contacted him to try to settle my debt with your bank. I called him repeated amount of times to no result on his part. He then contacted me finally two weeks later. My wife answered my phone where he blatantly cussed her out and threatened her to pass me the message to tell me to call him back or else. I don't know what kind of crap you, guys, are running. But this is not the way to do business with anyone. I want you to control your employee's methods of doing his job. ** this guy, because this is harassment; and that's against the law.

I received an automated call early Saturday requesting I call NFCU in regards to activity on my debit card. When I called, the rep had no clue why I had been called. Perhaps "if you keep checking with us a note will be posted on your account later." Really? Why not post a note to my account before you try to reach me, then when I call in the rep will have a clue why I am calling. NFCU has cancelled my debit card and is supposed to be issuing a new one. Better late than never I guess. If I had been contacted after the first charge on Wednesday, perhaps I could have taken steps to avoid the additional charge on Saturday.

The transaction is weird (see below):

Pending POS Debit, Visa Check Card **; $39.95; transaction date, 02/04/2012.

Pending POS Debit, Visa Check Card; $1.00; transaction date, 02/01/2012.

I accessed the website but there isn't much information. I called the phone number but got a recorded message that it was not a working number. I chatted online with a rep from the website but he wanted my bank name, account, account and email address to "research" the issue. Not likely! When I said I thought this was an attempt at fraud the rep said to have the bank call them. That'll be tricky since the phone doesn't work! So, I have no reason to believe these are valid charges. I guess I have to wait until the fraud case is closed before I can close my account but you can expect me to close the account immediately afterwards. And I expect a refund for the checks I paid for.

I was a customer of this formerly outstanding institution. Beware, as it has become too big for its britches. I became $70.00 behind on a $1,500.00 credit line, and called to make arrangements. They agreed to them (2 weeks in the future). I even paid early via Western Union. When I deposited $2,000.00 in my bank account, and put $700.00 towards my credit line, it was happily accepted. Imagine my surprise when I was notified that my credit card account was closed. I called, and the rep stated to pay off the credit line in full, and they would reinstate it .

The closure was because of a recent activity on this account. What, paying the credit card off? Customer no-service ensued, so I immediately withdrew my cash from all accounts. I was a customer for 5 years, and $70.00 caused all this turmoil. I recommend all military/family to close their accounts, or suffer the consequences of this institution. USAA is the way to go, and is now my choice for loans/credit cards/insurance/checking (free with ATM reimbursement for fees). They give out free checks, and have a customer service that is friendly/American, who are glad to be employed.

I had $997.00 in my savings. I placed a check in for $2,500.00 yesterday. I checked my balance, and it said $1,177.70. That means $2,320.70 is missing from my account. I want to know what happened to my money, and I would like it back.

NFCU takes money from my checking anytime they feel deemed. Thus causing insufficient funds for various loans and late fees. Then they take away the transfer button so I can't transfer funds from another account to sort out the mess. When I resorted to do a bill pay which takes 2 to 3 days, the money never shows up in my account. I waited a week and phoned NFCU only for them to tell me it was the other banks error. I had proof that my local bank transferred and it was NFCU that was in error. We called that day and have to be demanding and forceful to get them to do anything. Then mysterious the money shows in our savings account, not our checking where I had sent it. There is still another bill pay missing. Our mortgage payment is seriously delinquent. When I called to request the money in my NFCU account to be transferred to the mortgage payment, they refused to do it. Because they won't take payments unless it's the full amount. NFCU phones 6 times a day.

Angry and frustrated, I am processing getting all my banking out of this horrible bank. I've been a member since 1985 ... it's the past 2yrs things have gotten worse. They don't even give birthday cards for the kids accounts anymore but they will take you kids money out of theirs and pay on any late payments you have. Cannot say enough bad about this bank. Just not the bank I used to love and brag about.

I've been with this credit union for savings, checking, credit cards, and loans over 25 years. I only use one bank. I received a letter on their letterhead asking for a signature and quick reply. It was for an insurance plan, but what got me upset was that it was an offer from an insurance company that Navy Federal Credit Union shared my personal information with so they could market to me. They sold my information and if I bought the insurance plan NFCU would have been compensated.

I contacted the insurance company to have them take me off their mailing list and I contacted NFCU to ask them a few questions. They refused to answer two simple questions: Which companies did they share my information with and what information did they share? They sent me their privacy policy which only states they share information with affiliates to provide product and service offers to NFCU customers. I know this happens, I worked in advertising, but I would think they would at least be honest and answer my questions.

I am a US Army soldier deployed in Afghanistan. I trusted on this NFCU Bank with my money. I called the transaction department and Joseph (employee number **) answered my call. I told him that I have a problem with my bill history showing a bill paid, when I called 4 days ago to put a stop payment to this bill. NFCU charged me $20 for this transaction so this employee couldn't help me at all. And he thought it was right to hang up on me. I told him I was deployed in Afghanistan and he just didn't care. I hope his supervisor Mr. Glen ** do something about it.

I have several thousand dollars in my NFCU savings. While going through debt reorganization through NFCU, I became delinquent on one account for a few hundred dollars less than ten days late. NFCU refuses to allow access to a single dollar in my savings account so I can live until the account is current. Part of reorganization is because I can't afford the payment in the first place due to unemployment.

They have essentially stolen my money and have decided it is within their right to hold it hostage. I do not know anyone in their right mind that would bank with anyone with this policy. After twelve years and a solid account history, I no longer will. I'm better off stuffing it into my mattress.

On emergency leave from Iraq in March 2011, I came home to find that I was in default on my mortgage to Navy Federal Credit Union. My mortgage was with USA Federal and I had automatic bill pay with them. I had a box of mail and went through to see when my mortgage was transferred from USA to Navy Fed. There were no notices. I called USA Fed and was greeted by "welcome to Navy Federal Credit Union." I asked to speak with someone about this transfer. I gave all the required information, and was transferred to an Indian individual whose broken English was very hard to understand. He began by telling me I was a bad person for not paying my mortgage for three months! I informed him that I had always paid via bill pay as I am currently working in Iraq, and I have no notification that states my new payments go to Navy Federal. He said that I had been notified via email, which they do not have, by mail, which I have every piece of mail in a box since my last time home, and by phone, which I then saw that I had 99 messages on my answering machine.

So as I continued to speak with him, I listened to the messages. All 99 were from collections, threatening eviction, sheriff removal, and jail time! All this while I was still talking to this fellow. Talking to him was like talking to a child: he would not address my issues, but only tell me that I was a bad person for not paying my bills. I got online and checked that my monthly payments were still coming out of my account, which they were. I told him that I had no notification, and my payments were still going to USA Federal, and I could prove it. He then said I could fake my payments, and to pay my bills and hung up on me! I was home for seven days, and I was on the phone every day with Navy Fed, and finally got them to understand that I had been paying the mortgage to USA Fed.

This bank stressed me out to no end, treated me like a criminal, and still call my phone before every payment to "remind me" that I have a payment due in 10 days. I ask, is this legal?

For months now, I have been receiving phone calls from this company asking to speak with my roommate about his account. For months now, I have been explaining nicely to them that it is not his personal number, and that the number and phone belonged to me and he just happened to be living here. I explained that if they wanted to speak with him that they would need to contact him on his cell phone. More so now, they have been calling my number to get in touch with him, and I have talked to supervisors to explain the situation, who stated that they would try to contact him on his cell phone, but he has not received calls on his cell phone at all from this company for this reason.

On Wednesday, October 12, 2011, I received a call from a man who told me that he will wait on the phone until my roommate was ready to speak with him because my roommate wouldn't pick up (he works during the day). I received a call the next day on my phone that went to voice mail explaining that my roommate needs to call them. I called in and spoke with a supervisor who told me that she would work on getting his number removed. Again, today (Friday, October 14, 2011), I was told by a woman to "put your roommate on the phone now" after I explained that this is not his number, and that is the reason why I am the only person who picks up the phone. It seems that no matter what I say they will not stop calling me. The biggest problem of all is that my roommate did not give them this number to call.

I've been with the NFCU since 1988 when I purchased my first car. Over the last few years, I have become increasingly unhappy with their service. My most recent experience was in September of 2011. I received a form letter in the mail on September 2nd. It stated that my interest rate would be going from 12.1, on my NavCheck line of credit, to 13.1, as a result of information contained in my credit report effective 9-30-11. I had just refinanced my car loan through HAPO Community Credit Union. I was offered a 3.25% rate because of my excellent credit rating of 753. I was naturally confused by this letter.

I called the NFCU customer service line. The representative I spoke with indicated that all NavCheck lines of credit were being raised to 13.1% as their new "base rate". I contacted HAPO once again and asked if they could offer me a better rate to transfer this balance. They were able to offer me 9.0% on a Visa account which I opened. I called NFCU back and spoke with Stephanie. I explained all this to her and asked if they could match the 9.0% so I wouldn't have to close the account. She said no.

On September 5th, I went to the HAPO office. I sat with the loan offer while he prepared the paperwork to complete the balance transfer. I received my August statement from the NFCU on September 23rd, along with a payment stub. At this point, I had assumed the balance had been paid, so I was a little confused as to why I had a balance due still. After several phone calls to the NFCU, it was finally determined that the back office received a check for the payoff balance from HAPO on September 5th. And instead of applying it as a payment, they deposited it to my account and took out the minimum due as an automatic payment! I instructed Danielle at the NFCU to apply the entire balance to my line of credit to pay it off and close the account. She indicated that I will still have a balance on the account of course because they have charged me additional interest on the remaining balance! So, I will get one more bill from the NFCU that I have to pay because they made a mistake. The check that was sent to the NFCU from HAPO was clearly marked as payment and not deposit.

Initially, I spoke with an NFCU mortgage rep who began the initial quote for a VA Streamline. It ended up being an Interest Rate Reduction Loan. They are different but they didn't make it clear. I was under the impression it was a VA Streamline, which NFCU no longer provides. So when I got assigned an actual mortgage rep, the process is all electronic. There is no call from a person. I called Michelle, my so-called rep and did not get a call back until after calling every day for a week. During this time, I electronically signed loan docs. I was given a Good Faith Estimate for an initial loan amount of approximately $359K, not including about $12K in fees. I thought this was okay. After speaking with Michelle for the first time for only 5-10 minutes, we discussed what she needed me to fill out. She did not go over the docs with me in detail nor did she explain anything about the loan. She assumed I knew everything. She asked me if I had questions and I did, and asked a few questions which she answered but in a hurried manner.

The next day, they charged me $250 for an application fee. That same day, I called to check the status of my loan and to verify paperwork and another person, not Michelle, but a male answered as if he was now doing my loan. He said that there were additional docs to sign so I went to the website to electronically and physically print and sign the docs. Then I noticed a new GFE, Truth-in-Lending, and a loan commitment agreement that had values different than what was in the first GFE and Truth-in-Lending. It was for $370K not including the $12K fees. Why didn't they do this initially or factor it in a week earlier? The new price reflected closing costs. I thought the $12K in fees were the closing costs. Why should I pay $382K on a loan when I only owe approx $358K? That's too much!

There was deception involved where it should not have been from an organization such as this. There was very little communication between myself and them. They did not discuss with me the details of the loan in depth nor did they explain that the closing costs were not figured in until after they took $250 from my account. I expected better quality service from a major credit union such as NFCU but actions speak the truth. I have been a loyal member of this credit union for over 20 years and now will make arrangements to switch to USAA.

I tried to deposit a $2800.00 check from Bank of America, which is right across the street, into my Money Market account. I was told that they would have to hold my check for several days. I could see this if I only had a small amount of money in their bank, but my accounts were worth over $1480000.00. It became clear that this bank does not care about their customers who have some real money in their bank. I was more than upset, since I had over 50 times that amount in the bank at that time. Also, I wasn't asking for cash. I was trying to get money into the bank. It made me mad enough, that I told them to close all my accounts; and since they didn't like my checks, I wasn't taking one from them either. I wanted cash. I was told that they only had $10000.00 on-hand. This just isn't right. Banks have to have more cash than that on-hand. In fact, when they gave me the ten grand, it was all in 20's and 50's.

On several occasions, I have been into my local branch, and stood in line that said available, when there is no teller available. This is not what I call customer service. It's what I call customer non-service. There are two teller lines that clearly state available in bold blue lighting, but in reality, only one teller line actually has a teller available. This is a regular occurrence at this branch. When I complained about it this morning, while standing in the available/non-available teller line, I was told that if I did not like it, I could go to another branch. Are you kidding me? Talk about some poor customer service. The young woman sitting at the desk this morning had no business speaking to me in this manner. It was very rude, and a total lack of customer service.

She did explain that the available light in the non-available lane was a requirement of the branch, and I would still have to wait in line for the only teller available, which was helping another customer in the other blue light available lane. What sense does this make, for the customer who stands in line waiting on the one teller, who is helping another customer in the other available line, when there is only one teller available. I don't want to drive across town to another branch, as your non-customer service so clearly pointed out. Maybe I should just take my business elsewhere! I'm just saying.

I have been a member of the NFCU for 16 years. When I applied for a mortgage for my new home in 2002, and when I refinanced in 2003, they were efficient, customer-friendly, and offered the best rates and terms. It was a pleasure working with them. When I applied for another refinance in June 2010, my experience was exactly the opposite, thus, echoing other complaints here. I have an unblemished record as a mortgage, banking and credit card customer with NFCU, as well as with other banks I do business with. My credit scores hover around 820-830. I have zero consumer debt. I have a high verifiable net worth as an investor/businessman. My equity in my house is two-thirds. Banks love to do business with me. NFCU, however, is a different story.

I first became concerned over my loan application when NFCU's loan officer kept losing the reams of documentation I sent in, both electronically and by mail, not once, not twice, but three, four and five times. Moreover, it took her, on average, two weeks to reply to anything I sent in. I became so exasperated that I lodged a formal complaint to NFCU's Special Committee, which is supposed to act as ombudsman for NFCU customers. I suspected something was amiss with this committee, when I couldn't find any contact info on it. Hours of cyber-sleuthing got me the email address of a Navy Dept. official who is on the board, whom I contacted. After a month, I received a canned response from the board, obviously written by the same incompetent loan officer I'd been dealing with, instructing me to send in the documents she'd been losing. Exercise in total frustration.

Nonetheless, I continued to assiduously fulfill each request for information. But every time I submitted information, back came additional demands, which over time became increasingly absurd. As I reached the sixth month of this charade, it became very clear to me that NFCU had no intention of approving my application to refinance at a full percentage point lower rate. The game they were playing was clear: henpeck the client to the point he gives up. My requests to speak to a supervisor were ignored. I finally issued them an ultimatum: they had more than adequate data proving my creditworthiness. Make a decision, I told them. Well, I received no response for two weeks. I had to goose them repeatedly for a reply. They sent me a form rejecting my loan application, checking every box available for the rejection. My impression was that they had great glee in throwing the book at me, and I am out of pocket for $850 in fees.

NFCU isn't the veterans-friendly bank it used to be. Something has changed. They now comport themselves like some fly-by-night scammers. I plan on removing my $200,000 in accounts from NFCU, and to cease doing business with them. Moreover, I'm writing to their management, to inform them that I am reporting their bad faith practices to the National Credit Union Administration, FTC, FDIC, Federal Reserve, BBB, and the new Consumer Financial Protection Bureau. Moreover, I am writing to the respective oversight committees of congress, requesting that they investigate the lending practices of NFCU, and other banks who are committed to lending, but who act in bad faith, a form of fraud. I followed this same route with another bank several years ago and got results. I urge other NFCU members to follow suit. Make your voices heard. Also lodge your complaints in writing. A good place to start is: **.

We had to short sell our home because I was in a severe auto accident and lost one of my two jobs. In addition, my wife was due with our second child and expenses were about to skyrocket.

Navy FCU, the second lien holder in our 80/20 loan, gave us two choices for our short sale. 1) Navy FCU would accept the short sale if we signed a new loan paying them back, in full, the amount owed to them; Or 2) Navy FCU would deny the short sale forcing the home to go into foreclosure and then they would come after us in a year or so, a deficiency judgment for the full amount.

Option one or two leads us to bankruptcy. Expenses clearly explained in our hardship letter informed them of this. They ignored them. I pleaded with them, even got them in the Washington Post and had their executive VP interviewed where he was informed of my situation. Still there was no assistance. I finally talked with their assistant VP of mortgage and even had an in-person meeting, still no assistance.

We are now going into bankruptcy. Not by any lack of responsibility on our part, but because Navy FCU forced my wife and I to either choose bankruptcy now or in a year when they take us to court. Naturally, I am not going to wait. I am getting this over with.

My wife and I have been Navy Federal Credit Union members and customers for several years, ever since our son was in the academy at Annapolis. We have had several loans with them, hold individual savings accounts with them and share a credit card account. About a week ago, we thought we would try to negotiate a more reasonable interest rate on our Visa account. We have never been in arrears or been late in paying our minimum, but we have carried a balance. The first person I contacted indicated to me that such reductions are fairly common and that people choosing to close an account often were left with only a 3%-6% payoff rate. She referred us to the office dealing with credit and advised us of the necessity of filing a personal financial statement. Interestingly, the NFCU branch at Tinker AFB knew nothing about the procedure when I asked them.

My wife and I completed the statement and returned to our NFCU branch to fax our paycheck stubs as proof of our income. The staff member serving us gave us "a deer in the headlights" look, but she sent the fax. An appointment was scheduled with a Mr. ** for a phone interview to discuss the matter for approximately one week later. Interestingly, one of the first things he said was, "We'll need your pay stubs". I told him we had already faxed them and from our local NFCU branch. I then expressed my doubts about whether or not their staff were sharing information. He assured me it was probably just a temporary delay. We had the phone interview this morning per previous arrangement. He was not available at the appointed time. I left a message and he called back, saying he had an unscheduled caller and had trouble "getting rid of him".

We then proceeded to talk for approximately one half hour, tediously reviewing information we had already provided on the statement. Although it was not openly stated, Mr. **, through his manner of questioning, seemed to imply that my wife and I were irresponsible and spendthrifts. He questioned one three-month period in 2009, in particular expenses for American Airlines and a business establishment in Chicago. I explained in the first case that the airline ticket was to fly home and visit my critically ill elderly mother. The Chicago establishment was the bed and breakfast our recently married daughter had chosen for the out of town guests at her wedding. He then suggested our grocery bills were too high, then contended that we would send our account into delinquency if the payment was reduced.

I told him I saw no logic in that since we are currently paying on time at the present rate. How would lowering the rate make it worse? This nonsense continued until I finally became exasperated and asked to speak to a supervisor. He continued to argue, while saying he had no problem letting me do so. I repeated my request several times. He eventually said goodbye and hung up instead of transferring my call. I called back and asked to speak directly to a supervisor and was told she, a Miss **, was "not in yet".

I was later told she was in a meeting. Apparently, the meeting lasted several hours since a Mrs. ** spoke to me regarding the matter about 2:30 in the afternoon. The whole thing began at 7:00AM. I found Mrs. ** to be cursory and indifferent to my concerns. She was clearly just a flak catcher whose customer service skills were poor at best. I told her I no longer cared about the interest rate, but intended to contact someone in a regulatory capacity regarding the matter.

Here's why: In between my conversations with Mr. ** and Mrs. **, I was filling out a complaint online at the NFCU website, when I received a phone call. The caller said to my wife, "I understand you have a credit card problem and want to get a lower rate". She gave me the phone and I attempted to identify the person, his position and department. Although he reluctantly gave his name, the caller seemed to want to dodge other questions. I kept asking him who gave him our number and how he was referred to us. I asked him about his capacity with Navy Federal.

He dodged my questions and kept saying things like, "What's your balance? Is it five thousand? I can help you with that!". I told him he should have our balance on the screen in front of him if he was following up legitimately. He finally admitted he was not an NFCU employee! Our phone showed his number to be from the Clearwater, Florida area. He was obviously working for one of the many phony credit card scam outfits all around the United States.

Here's the thing: How did he get our number and choose to call on the very day that my wife and I were seeking a lower credit card rate from NFCU? We have no other cards and have made no other inquiries. We are not in arrears on our account. Is this just a coincidence? I doubt it and I said so to Mrs. **. While she vehemently denied even the remotest possibility that someone from her department would expedite such a contact, I disagree just as vehemently. Whether someone has hacked into NFCU or whether employees might seek to enhance their income with a quid pro quo arrangement with boiler room type operations, I do not know. At this point, I cannot prove it. I am, however, going to ask my congressman to look into it. I have referred numerous people to NFCU over the years. I will never refer another.

I have been a victim of the strange occurrences that have been taking place within my NFCU account and have just noticed it over the past 6 months. I watched over my account (which I've had for 5 years) on a daily basis (many times 2 or more times a day) to track the clearing process transactions. I have even done automatic transfers every week in order to keep my account from going into overdraft status. When a purchase transaction takes place during the day, it is normally cleared and I take note of this at the end of the day and notate my available balance for the following day. Upon checking my account the next day, I noticed that the transaction is still in the cleared status and I plan my spending and bill pay accordingly. Now this is where it gets strange.

After two days of checking my account status, I have found that on that third day, everything has been rearranged and transactions that cleared two days prior are no longer there! Instead, I find a $29 dollar overdraft fee for something that cleared the day I purchased it. Upon calling Navy Federal, I was told by customer service that when I make a purchase, it is cleared, but after 24 hours, if the merchant has not pulled the money, Navy Federal puts that purchase amount back into the account. Now, my problem is this: If after 24 hours they put that purchase money back into my account just because the merchant has not pulled it, then the available balance is not correct which causes overspending. This practice is beyond crazy. It is ludicrous. These account practices only make money for Navy Federal. The merchant gets their payment from my account; Navy Federal gets the amount of the purchase plus an extra $29 for my account being short.

Just for June and the first two weeks of July, Navy Federal has ripped my husband and I off in the amount of $580 dollars alone in overdraft fees. With this type of shady financing, why has no one done anything about this? I was always wondering how in the world I could be that far off in my calculations. Well, it's not me, not always, especially not the last six months.

I want to be reimbursed those overdraft fees. My husband's pay was drastically cut and I have lost my job due to a reduction of staff and hours. We cannot afford to give Navy Federal $580 dollars in any form, especially since I have never been granted a loan, overdraft protection or check card protection and I have applied for all three! Navy Federal is very aware that once an overdraft is taken from an account, nine times out of ten it is going to cause a domino effect which will result in several overdrafts! This is what they count on. I am forwarding this letter of complaint to Navy Federal, the Banking commission and the Federal Trade Commission. I am very prepared to take it to the highest levels if need be. Consumers should not be taken advantage of by businesses that claim to be of help.

I was in denial after periodically reading some of the reviews here. But I must admit, NFCU doesn't really care about its members. I wanted to surprise my mom with a birthday gift and went to deposit over $400 into her account with NFCU. Unbeknownst to me, her account was closed. Of course they are not able to disclose to me, the status of someone else's account. However, after discovering the money never made it to my mom, I called and explained the situation to several people who refused to let me speak with a supervisor.

I was told there is nothing that could be done; the funds could not be reversed back into my account not even with my mother's permission. I have learned my lesson. I will never surprise any family member or friend with a secret deposit, but I also have learned my lesson with NFCU. They don't value me, the member, and for that, I cannot and will not continue doing business with them. It's absurd to think they are willing to lose a member over $400. They knew the account was closed, but willingly took my money. It is disgusting behavior for a supposedly reputable organization.

I applied for an auto loan with Navy Federal. The vehicle I was looking at purchasing was a 2004 Dodge Ram 1500 4x4 with leather, power seats, doors, windows, towing package, bed liner, two tone paint, off road tires, chrome rims, the list goes on and on. I called Navy Federal and they explained that they wouldn't give a loan for a vehicle for purchase price over 125%. I asked about this because I had to roll negative equity from my other car. They said that my vehicle was worth $19,500. I only paid 18,350 plus the $8500 negative equity so I had to pay $3900 down to cover the remaining within the 125%. I have a great credit score of over 800 so when they told me I was pre-approved for 5.04% after I discussed the value of my vehicle with them, I believed them.

I had to wait 24 hours to pick up my check because it had to clear their loan committee. I went and picked up my check and bought my vehicle, which gave me a lower monthly car payment and lowered the amount of debt I had significantly even though I never really had much to begin with. So after the check clears, they jack up the interest rate to over 9% saying that the vehicle was only worth $15,000 even though the loan officer told me it was worth over $19,000 verbally, constituting a verbal agreement between us both. Not only that the loan officer, who entered my vehicle information, determined the value of my vehicle and overall, the interest I would pay failed to do it correctly as verified by the loan officer I called and complained to on July 1, 2010.

I am pretty sure negligence on the part of the employee putting in my vehicle information and not taking into account the vehicles actual worth would be covered under Tort for business negligence. Any lawyers feel free to write me and let me know if I am right on this I would be glad to write and IRAC on the whole situation if you want. I am quite positive I am correct under the rule of law as to the negligence of the employee causing me pain and heartache and time to hopefully correct this situation. Not only that the failure of disclosure under the contractual agreements by the loan officer I conferred with would tell me they messed up there as well.

I now have to spend hours of calling and hopefully correcting the situation with these rude people who unfortunately I have been doing business for over 10 years. I feel my anxiety over the situation may lead to a panic attack.

This causing a big economic effect on service member families.

I read through some of the consumer complaints about NFCU and have to say so far, every complaint I read had a good explanation. One was written by someone with so many spelling errors, it is obvious they were uneducated which made me question whether they really thought things through. The changing account balance at NFCU is due to the fact the transaction is done on VISA check card. When a card is swiped, the transaction is reflected in the balance for about a 24-hour period, sometimes less depending on the timing. According to the information clearly stated on the Visa check card information pamphlet, the temporary deduction is put there to hold the funds during that period to avoid an overdraft so that the person can record their receipt in their register.

Currently, I can see mine online as "pending" and it shows the date and the merchant's name. To me, this is common sense. Of course, if the transaction hasn't cleared quickly, it's up to the merchant. Navy Federal has no control over when the merchant processes their card transactions. The average for most merchant is two-three days on my account, sometimes even less. I, the reason customer service says to balance their check book, is because it is an account holder's responsibility. The problem could be resolved by calling customer service (they're very nice as a rule) and asking for an explanation of how the process works so when this happens, they understand it. A paper register works or account transaction software works as well as it's just an electronic version of a transaction register.

I saw complaints about collections and one person claimed they got called multiple times a day. I seriously doubt they got called 10 times on one account. That person very likely has multiple accounts, which are probably handled by different collections areas like credit card or consumer loan or Navchek. I know NFCU makes mistakes because they have screwed up on me before, but no company is perfect. I would also like to say in their defense that they are real sticklers about account security and I know a lot of people who work there and can tell you from conversations with them as well that account privacy is paramount. I was encouraged to set up a "code word" that no one but me would know so that anyone calling in would get no account-specific information without it which gives me a lot of peace of mind. When policies are changed, I have heard from more than one person that the first question asked is "How will this affect the membership?".

My only thing is I think they're growing too fast to keep that personal touch, but their service is much better than any commercial bank and their credit card security measures are some of the best in the world. They have many things most banks and credit unions don't offer such as Western Union, which can be requested by phone. I can't remember what the fee is, but I remember you can send up to $10,000 on the same low fee. The best thing anyone can do if there is an issue is to put their complaint in written form stating the facts in a way that makes logical sense and doesn't sound like ranting like some of the complaints I read and include what they looked into to resolve the situation, and why it didn't work. Write it and send it to Cutler Dawson in Virginia. I always say keep in mind if something is awry, what you did to understand why, not just get angry and pitch a fit because things didn't work out.

Make your statement and take action if after doing that and allowing yourself to be teachable about the situation and why things were done the way they were, nothing happens and you can tell from what you learned that policies weren't followed. If policies were followed, address the policy with the President in writing. I know from an employee friend when they temporarily stopped paying dividends to the free checking and members wrote stating their issues with that, NFCU reversed the change and are back at paying dividends again to all checking account types. Anyway, that's my opinion. I also have a mortgage there and know people who do and I think the problems one person was describing about getting a call the day before closing that they don't get the loan without proof of income is probably because they didn't supply adequate information.

If they have the income, then what's the problem? The credit union issues a letter once you're "credit-approved" for the loan and the documentation is necessary to meet the underwriting requirements. We had to supply a lot of bank statements and pay stubs, but this is the exact explanation I was given by my loan officer. I'm not saying NFCU is perfect, but I think the problems are massively outweighed by the good and reading some of these complaints, it is kind of obvious that some of the people caused their own stress by not listening or not complaining to the right people.

In my years with Navy Federal, I never realized how unreasonable, selfish, unhelpful they truly are when it comes the recession. I have 3 loans with them: a car loan, personal loan and Nav. They combined my personal and car loan. The Nav I have been talking to representatives and letting them know I cannot pay any more than $125.00 right now until my utility bills which averages $1000.00 a month due to my daughter and her family having to move in due to jobs being lost. They did not find stable jobs until late 2009. They were not able to pay rent or anything for utilities due to trying to feed their family.

It has been a rough 2 years. My Nav check is behind. I explained the hardship they did not want to hear it. They call me 3 to 4 times a day, starting at 8 in the morning until 8:45 pm at night. I have talked with no many representatives there, but they never update their logs with information I've given them, they just keep calling; supervisors and collection representatives.

For a company that supposes to be in the business of helping the consumer, they do the opposite. They destroy them. And don't care. They are threatening to take my vehicle if this is not brought up to date. A rep came to my home during the day with a letter for me to call them. I have been leaving messages now for the last two days and no return phone call. This company has got to be dealt with. The consumer needs relief from an institute like this. Where do we get the help?

On July 24, 2007, I obtained a fixed equity home loan on my husband's rental condominium. I am married, and my husband owns this property solely. However, the loan was taken out by me only, as an individual, and my income alone was the relying factor. Here are the particulars from the loan and application.

Liabilities total: $8,988 (with a $293.00 monthly commitment)

First lien on property identified as taxes.

I recently tried to obtain a loan modification (due to inability to continue making payments when my income is far less than my monthly expenses, as provided on my application). In my request for modification. I submitted financials at income $4931 (includes rental income of $2375), expenses $10684 (includes rental property PITI and living expenses--gas, food, electric, etc.).

So, I was confused when I was denied, as it is not that much different than the original application (especially considering $6400 of the expenses is for my primary residence which I am not paying and is going to foreclosure).

NFCU's refinance promises are not being carried out. I applied for a refinance of an NFCU loan, which would have lowered my monthly payments $400 (nearly 25%), but was rejected because of "inadequate income", despite being current on the mortgage at the higher payment. The rejection was despite FICO scores over 800, liquid assets exceeding the amount of the mortgage and a loan to equity ratio under 60%. Because of the reason NFCU gave for my rejection, I applied under the federal Home Affordability Program that has a stated goal of reducing mortgage payments to 31% of income.

NFCU rejected that application because they claimed I have too much equity in the property. The comments from NFCU president Cutler D. and VP for lending Jack G. about NFCU's willingness to help its members are not supported by the actions of the loan committee. If you want to refinance, save yourself time and effort (and the $250 fee) and take your business elsewhere. After 30 years as an NFCU member I'm looking for another place to put my money.

My husband and I have been banking with NFCU since 1986. With credit scores and no debt we are over 800+. We applied for a mortgage, got approved, looked for a house, put in a bid, paid for all inspections, and had a closing date of December 18, 2009. Got a phone call from our loan officer stating they needed to extend our closing because of a mistake they did on our good faith estimate. Got that extended and the day before closing and the manager of the mortgage department states to us we can't proceed due to lack of employment. Mind you, I am retired from the military plus got a job which both checks go into this bank every month. We wasted over $3000.00 in inspections, earnest money and NFCU fees, and dragged along for 45 days believing we had this house. Now we have to rent a house for $1000.00 a month until we find another house/mortgage lender. This has caused us immense amount of stress.

I have been a faithful customer of Navy Federal Credit Union since I finished boot camp seven years ago. Upon leaving the military, I found civilian life to be difficult.

In August 2009 I decided to hire a bankruptcy lawyer because I was having trouble making ends meet and had him fully retained by September 2009. I let Navy Federal know that I was filing bankruptcy and the calls stopped for about a week and started up again.

They sent a representative to repossess my motorcylce and harassed my 11-year old daughter who was home alone at the time. The man looked through my front window when no one answered the door and saw my daughter and insistently motioned for her to open the door. When she did, he stated that he needed to speak to an adult and she told him that one was not available. His tone turned belligerent and he insisted that she try to call someone because he needed to repossess her dad's motorcyle. As soon as he walked away, my daughter hid in her room because she was so scared of the man and the way he had spoken to her.

The latest phone call received from Navy Federal was December 5, 2009 at 8:45AM in which the agent said that they will look into garnishing my wages, repossessing my motorcycle and possibly my truck even though the title of my truck does not list Navy Federal as a lienholder. I told the representative about the bankruptcy and to contact my lawyer but she was indifferent to the information.

Violation of fraud, fair debt collection, truth in lending act. Bad credit scores and financial debt.

Navy Federal Credit Union raised there interest rates on Credit cards from 7.9 to 12.9 I have always paid on time and have a great credit rating.

Something needs to be done about this.

I brought my truck in June 4, 2003 on a 72 month contract. I completed the contract in June 4, 2009 but Navy Federal refuse to give me the title to the vehicle. The stated I requested a extension in Oct 2003 which I never requested but refuse give me any information present situation. One Representative told me that I did not pay for the months of Sep/Oct of 2003. I have receipts of those month but then another one told me nonpayments for couple of months but could not tell me which month.

I went to the branch and they told me that the extension did not go through and reverted back to me missing the month of Sep/Oct 2003. I have too many conflicts of stories and now they are trying to take my vehicle on serveral occasion. They will not cooperative with me to get this matter resolve, all I get from them is a very nasty attitude.

I really need your help in resolving this matter. Any help will be greatly appreciated. Thanks again. They are causing my blood pressure to rise and it will not go down...I been harassed by Navy Federal on a consistence matter. I visited the Hospital several times due to stress and high blood pressure constantly rising. I cannot work due to me hiding my truck so I can get this matter resolved.

I applied and received a request to have my mortgages modified so that I can make the payments. The first mortgage I worked with NFCU (after several attempts) to make it so that one of my payments would be spread over 6 months. I was told at that time nothing would be reported to the credit agencies as long as I kept current on all the modified payments for six months. I did keep current on the payments, and then at about month 4 I discovered that I was being reported to the credit agency for late pays on my mortgage (keep in mind I was told that would not happen). I also discovered that my credit card had been deactivated. I called the credit card folks on that and was told anytime loan goes into late pay the credit cards will be deactivated. After that I called the mortgage folks and asked them about it. I was told that is only temporary and as soon as I make my last modified payment (March) the credit card will be reactivated. With that I called the credit card folks back and asked about that. I was told that was not true I would need to re-apply to re-open the credit card. I then explained the situation with the modified mortgage and was I was told. I was then told this credit card situation was per the CEO.

I received a called from a supervisor from NFCU offering an apology for the what was occurring. I was told that "all of employees" of the mortgage area that handle this type of situations would not tell me there would be no negative report on my credit report. She told me that they know there would be a negative report. I explained to her a few things that if I was told the correct information from the start I would never have entered into this repayment program:

1) It makes no sense to enter into a repayment program that would report 5 or 6 late pays (30 day). If there was an issue with one payment. 2) Why would I take a chance of destroying my credit with 5 or 6 late pays (30 days)? 3) When I originally entered into the repayment program I was only having problems with 1 payment.

4) I would never enter into an agreement that would cause 5 or 6 late pays (30 day) vs.. 1 late pay (30 day). Would you?

She offered nothing more that an apology and that the employees would never tell me there would be no negative report on my credit.

I recently received copies of my credit report. Once I received those I verified that the mortgage repayment program was in fact reported as late pays (30 days). This was what the original dispute was about.

I called on 082409 at 1450 and spoke to Fahima (1-800-258-5948 ext 42871). I explained the situation to her that I was having a hard time with a payment. I asked if NFCU has anything to assist me. She told me about a repayment program (sound familiar), that would take this payment and spread it over the next few months. I asked would there be any negative report on my credit reports. She told me only while I was in the program. I asked what would happen once I completed the program. She explained that after I followed the program the negative reports would be taken off (sound familiar).

Thinking that this might be one person and a error on her part I decided to call again. I called and spoke with Tony on 082509 at 1540 (1-800-258-5948). I explained the same situation to him. Surprisingly he told me the same information that I was told before. I explained that I have no problem with the repayment program being reported to the credit reports while I was in the program. I told him that my concern was that in 6 months to a year a negative (30 day late) report would be on my credit report. He told me that would not happen if I successfully completed the program.

During both phone calls I asked about the situation in a few different ways. Each time I received the same answer, there would be NO negative (30 day late) report on my credit if I completed the program successfully. This is the same thing I was told originally when I signed up for the repayment program. The bottom line is I would have never signed up for the repayment program if I was told there would be 5 or 6 months of 30 day late pays on my credit report.

I am not saying that I was lied to, just I was provided wrong information. I am not sure if I was provided wrong information from the start or later. I would greatly appreciate that this matter be looked into because if this has happened to me, who else is in my same situation not knowing.

I just want the negative comments taken off of my credit reports because I was given wrong information.

Back in June I received a phone call from my ex-husband informing me that there were several fraudulent checks cashed using his account number. He informed me that his account is negative several thousand dollars and that the account is now frozen to avoid further fraud. A few hours later I called the the automated system to check my balance. The balance given was 0.00 with a pending transfer to another account. I immediately contacted Navy Frederal's customer service department. They informed me that the transfer was going to a joint account connected with my ex husband and myself. We kept this account open because he transferred money back and forth for out son.

Since I was linked to his account through the joint (even though the other accounts were individual) they took my money and put it towards his negative balance. This left me with nothing. causing my car payment and other ammenities to bounce. I contacted the fraud department directly and spoke with the individual (Michelle) handling the issue. Michelle informed that the money should be returned to each account within 15 days. 20 days later, the funds had still not been returned. I contacted the bank and all of the Fraud representatives were far from helpful.

No one seemed to know what was going on. I then drove down to their office that is approximately 30 minutes from my house. I requested to speak with someone in person. After waiting for about 10 minutes a lady (Terry Awtry) came out into the lobby and asked that I follow her. She had all of my account informationa and asked that I show her where the issue ocurred. I showed her the dates and the amounts. I then showed her the overdraft fees I was charged. She told me that she would have my money back into my account by the next day and have my over draft fees reversed and credited back. The next day I received a call from Terry. She stated that she had good and bad news.

The good news was that she credited my over draft fees. The bad news was that the money taken from my personal account was placed into my ex-husbands account. I told her that was illegal. I am a Deputy Sheriff in VA and I am well aware of the laws. She then told me that he closed his account with them and they could not retrieve the money. She said I would have to get it from him. When I started questioning the issue she became very rude and told me there was nothing else she could do for me. I asked to speak with her supervisor and she said she would have him call me. I never received a call. I attempted to call their office twice but could not get in touch with either individual and no seemed to want to give out information.

I contacted my ex-husband who told me that he knew the money was put in his account but he was waiting for me to tell him the amount. He had given me money the previous week (after he received the funds) and made it seem like it was for expenses with my son. Come to find out he had been asking Navy Federal information regarding my account and Mr. Dooley was relaying it to him. I am the only person on my account. My ex-husband has never had access to the account. My ex-husband refused to return the money and this is where we stand at this point. I just feel that Navy Federal should be penalized for giving out account information to people not on the account and also for depositing my funds into another account. Your opinion would be much appreciated. I am a single parent every penny helps.

I have been unemployed for 2 months now and i have explained this to Navy Federal but they still call me 10-20 times a day. I had one girl tell me that she sees that i went shopping for clothes and that i better go and return everything that i bought so that i can pay them what i owe them. When i asked for her supervisor she told me that her supervisor does not want to talk to me. Then on a different day i had another guy tell me that they will call me as much as they want until i make a payment arrangement with them to pay on my credit card i explained to him that i am unemployed and i still have not received an unemployment check and that i have been waiting for a check for 2 months and that the unemployment dept is having me wait longer and i have no money at this time. The guy did not care he said that they will just continue to call me. Then today i spoke to another guy i explained again that i am unemployed and have not way of paying right now because i am waiting for my unemployment check he told me that since i am refusing to pay them what i owe then they will be taking me to court. The credit card is 27 days late. I have also asked them to stop calling me so much because i start getting calls from them since 8am up until 9pm everyday 10-20 times a day and that no matter how many times they call it will not change the fact that i have no way of paying and i have also explained to them that i am 6 months pregnant and they are stressing me out by calling me so much.

I applied for a home loan back in June, and procceed to start looking at houses. I was told by my loan officer that I was approved and I could make an offer on a house. Me and my fiance found a house, did the inspection..paid for the appraisal and got to ONE DAY BEFORE CLOSING and was told "uh oh we made a mistake." I was told "everything is ready except this one thing." It took them a week to "verify my income" one more time, and then I was basically told tough lucky, we're not honoring your loan anymore.

This MISTAKE apparently was made by our mortgage brokers "underwriting" and she refused to take blame. According to Jenny, they didnt verify my income properly and are now refusing to honor the loan they promised.

I have been receiving harassing calls from the collection department (NFCU) in which I have already have made arrangment with one of the financial counselor and I have made that very much aware to the person calling me to seize from calling me 2-3 times daily even when I'm at work early hours of 8:30 and 9:00 then again in the afternoon hours.

Today was a different scenario. A staff member called me and was very ruid and disrespectful to the point of using profanity language at the conclution of the conversation. I don't know why but I'm realy fet up with this whole thing and when I try to address it to the department supervisor I either get placed on hold for a prolong period of time or the person will hang up on me upon request of a supervisor.

As a consumer, I know I have rights and those rights will not be violated by any credit agency under no circumstances, shape or form. I've tried addressing this at the supervisor level with them but it continues to occur.

My husband and I have been customers for 15 years. We have gotten great loan rates, I love their new online features. They have, for the most part, been wonderful. We have a new Navy Federal Building with a drive through. When you want to make a quick deposit, because most spouse's work for company's that don't have direct deposit, it takes at least an hour. It takes forever for the teller to make your deposit and get the line moving. I was in line for 45 minutes and I was only the 3rd car back. I am patiently waiting. I have a deposit slip filled out, I have signed the back of my checks, and I have my (stupid) access card. I am ready!

I get up to the teller, I send the tube, I wait and she comes on the screen and says, "how may I help you?" I thought about saying "I want a coffee, light on the cream" However, I said, deposit my checks please. It took an additional 5 minutes for her to complete this task.

Here's the thing about Navy Federal. It takes forever for their tellers to do anything. It's like they have sucked all of the life out of their tellers. It's almost like they are not able to think for themselves. The amount of "guidelines" they are required to follow make the tellers rude by being stressed and they waste the customer's time and make the customer's upset by having to deal with the now rude teller. Get back to basics and let your teller's think for themselves. I have read quite a few of the complaints on variouse boards and Navy Federal has a big problem and they don't seem to care. If they did, you would be able to email them about it from their website.

We're having the same problem as Ronnie where we'd use the online banking and charges and deposits would appear, disappear and reappear again and sometimes even be changed when it reappears.

Then we would see discrepancies between the ATM and what it says online so we eventually had to start calling the 1800 number to check our balance.

Even though Bank of America were common thieves with double charges and whatnot, I could go online and see every transaction as it was made and reflected in real time.

Also, we have been unsuccessful while using their online Bill Pay. We would schedule the payments on the sites suggested pay date, then it would continue to reject the pay date saying it was unavailable. The dates that were available were at least a week or more away. The result was many late auto payments, getting calls at work from my creditor and then having to call NFCU to see why the bill had not been paid. It was as though it never happened even though we had confirmation numbers so I would make a payment over the phone to the creditor and the next week, usually two weeks after the "scheduled" payment, and after I already paid them again, the charge would finally come out resulting in double payments and us going hungry until the next payday. This happened three separate times with the car payment and finally we stopped using their scheduled Bill Pay.

We would also use it for other monthly bills that would show up on the account as paid but the money would not be taken out of the account and we would call the companies and ask if they'd received payment and they would say no but a week later they would receive the payment.

Lastly, with their so called Debit cards, we cannot use them as Debit cards and have to have them processed as Credit. Typically, we can order pizza with these cards but cant use them at any military base unless run as credit. Yeah that might be the problem with MCCS but I think it belongs to both MCCS and NFCU. Automated services (like bill pay) will not take the card and we have to call and talk to a service rep for our bills each month.

I would like to start by saying I have been a loyal customer to Navy Federal Credit Union for about 5 years now. Throughout that time I have had mixed results, and I do hold a somewhat emotional attachment to the institution. They were my first "grown up" checking account. I opened the account while transitioning through boot camp. A mile stone in my life, something I'll never forget. After boot camp NFCU gave me my first credit card, and my first loan. Both for $1000, a relatively small amount, but at the time enough to make me hold my head high. Such large sums of money being entrusted to me by a such a large financial institution!

As time went on and I began using NFCU more and more in my day to day life and I noticed how strange their checking account service was. It takes an extraordinary amount of time for a transaction to post to NFCU's accounts. I watch my money VERY carefully, checking my balances at least once a day. Throughout the transaction clearing process transactions will actually appear, disappear, and then reappear to the account, along with the money you spent, making a graph of your account balance look like the rocky mountain peaks! This was an especially irritating problem while still on active duty. To go to an ATM and see your available balance at one number, and withdraw money based on that number, well let's just say for young sailors living paycheck to pay check overdraft fees from NFCU are VERY common and crippling. They also have no sympathy, when confronted with the problem their response is to tell you to balance your checkbook and not rely on their software, but shouldn't you be able to rely on your bank to tell you an accurate account balance?

The most perplexing aspect of the scenario is how they handle the problem and how it continues without being addressed. I wrote NFCU directly and threatened to go to their regulator. In return I received a phone call from someone at NFCU. It was a man who seemed very angry and annoyed that I would question NFCU's account practices. He explained that they knew about the problem, and he was surprised I noticed. Especially the part about the transactions disappearing and reappearing. He said most people never figure that out. He told me I should balance my check book and that was that.

I am no longer on active duty and overdrawing my account is no longer a major concern, but a bank operating like this is. I have read other post like mine and asked myself why is this person complaining, why don't they just use another product? Why doesn't everyone stop using NFCU?

Up until today I couldn't figure out why their was not more outrage over the largest credit union in America doing business this way. Then I figured it out. It is the emotional attachment. They have a monopoly on the military, and on emotions.

After being in boot camp for 3 weeks we are all miserable and marched into a room to choose a bank. We have 3 options. Option 1, use our bank from home. To do this we need to have a blank voided check. The catch is on night of arrival they take everything, I mean everything, including your underwear, away from you and ship it back home. So most people do not have a blank check from home. Option 2, Armed Forces Bank. Option 3, NFCU. While it is not a complete monopoly, there are three choices, one of those choices is not a plausible choice. While the other two are plausible choices, it is still a joint monopoly. We are miserable and lonely and we are brought into a room filled with beautiful bank tellers selling their banks to us. At that moment we become emotionally attached to that bank for the rest of our lives. We automatically associate them with something good, wether we realize it or not. No matter how terrible the service, or product, the bank has a steady stream of ready and willing customers marched in daily and handed the paperwork. How can they ever fail? Why would they ever change?

I am on my third loan officer now and am still getting the run around. I got the exact same loan approved and completed in a few days at Coastal Federal Credit Union, which is also very conservative group. The difference is that Navy has its business handed to them on a plate. They do not need to be competitive. I guess military folks do not mind because they are used to the huge juggernaut of the military and do not expect knowledeable, courteous efficient staff. Therefore these people stay in business in spite of themselves. Unless you have nothing at all to do with your days and enjoy aggravation, please look elsewhere for your mortgage needs.

I wasted a very long time and have repairs that need to be done to my house. I paid fees and have nothing to show for it. I have lost sleep and been extremely worried over this.

NFCU financed a '07 Dodge for me in Jan 08 at 5% APR, but recently they increased the percentage to 11%, without my knowledge. I have not missed a payment nor fell late on a payment, because I pay them out of my account in which I bank through also. Recently, since August '08, I have been paying an additional $1000 a month. I have received several loans from NFCU and this is the first time this has happened.

By them increasing my APR, this reduces the amount of principal going toward my bottom line.

I went to purchase a car recently and they told me that i couldnt get the car unless i had a co-signer b/c my credit had been affected by another car loan...I have never signed a car loan in my life! Come to find out that my soon to be Ex-husband had taken out a loan for a 1999 BMW and somehow it is on my name and his. I have gone to the bank asking them to look up the loan b/c i have never signed it, and they can NEVER pull it up. and when they do pull up a title, my name is not on it. they said the only way to take this off of my credit report is to write a letter to credit bureau.

This is very unprofessional, because i know that i did NOT sign any loan. the only loan i do have now is for my mazda 3!

Well i needed a car because the one i had was breaking down on me and i have wanted to purchase a brand new car since i have never had one. Well now that loan is about 3 months past due and it is on my credit when i never signed anything or authorized anything. so my car payments are ridiculous and insurance is outrageous! I cant get credit cards or do anything that involves pulling up my credit. it has put me on an emotional rollercoaster, and i am constantly stressed!

It has cost me and extra $1000.00 to hold the house to the seller and they are refusing to release the appraisal that I paid for. This does not include all of the other monetary damages that I have incurred due to the fact that they sent me several approval letters and went head-long into the process and then denied me the loan.

The following charges were applied to my checking account on July 6th, 2004:

07/06/2004 POS Transaction $25.00-

07/06/2004 POS Transaction $22.83-

07/06/2004 POS Transaction $21.35-

07/06/2004 POS Transaction $5.49-

07/06/2004 POS Transaction $3.38-

07/06/2004 Ret Check Fee 0596 $20.00-

I had a bank wire set up and sent to the bank that should have posted on July 6th. If they had been on top of things, my wire would have posted, and all of those items would have cleared.

However, they sat on my wire until well after the close of business on July 7th, 2004, and then charged $160.00 more in fees. 3 checks were returned that would have cleared had they posted my wire in a timely manner. Some of the items that they are charging $20.00 fees to deny are purchases in the $3.00-$5.00 range. Their fees are extravagant and frivolous.

1) Application Received: 07-04-2004 07:07PM PST

2) Application Confirmed: 07-04-2004 07:07PM PST

3) Approval: 07-06-2004 06:07AM PST

4) Funds Sent to Bank: 07-06-2004 06:07AM PST

You can see that Navy Federal did not put the money into my account until:

07/07/2004 Deposit UNITED CASH $200.00 , and late in the day at that (I'd been checking my balance frequently over the last two days)

$180.00 in fees to date, + returned checks. I contacted them on the 6th and the 7th, and they have ignored me. I expect to be charged $40 for to more returned checks shortly, since they have not responded.

88'one personal loan rolled into another. 91' laid off from prime job. 92'93'94'tried to negotiate. 96-97' turned over to collection lawyers Young, Friedman, and Groner. Setup payment but still contacted constantly.

Mid 97' complaint filed with state AG. Also asked for proof that first loan was not rolled into second. At one point colletor actually told my wife that our losing our home would not be his problem that we should go to the Red Cross. After asking for proof of debt, we stopped paying because no proof was forthcoming. They were also put off by complaint with state AG.

Final contact with collector, he stated fine, but you are the one who will have to live with this on your credit for seven years. Now, 3 years later, Navy Federal is coming back again, acting as if there was never anything done.

We have lived through and NOT filed bankruptcy. We have lived through 8 years of credit hell.

I settled with other creditors, but NFCU was determined to destroy us, or so it seemed. My credit was destroyed for a long, long time. Now suddenly, NFCU rears it's ugly head after their collector gave us the impression that their efforts were over and we would have to live with the consequences. We did, and now they are back!