Navy Federal Credit Union

What is even more frustrating is the fact I informed NFCU of the fraudulent transfer less than 24 hours after it occurred, and they waited a week to request the return of fund when the money is long gone. They also is not willing to tell me which devices I have is compromised, simply says your device you did. The agent I spoke to says it is most likely me because it is not likely my device is hack?! And it's not their responsibility to care where the money went except I (my device) made the transfer?!

I also cannot get the information on which one of my devices made the transaction, and have to have the police file a Subpoena?! I honestly felt I had the best bank in the world until when I needed my bank to step up and help. It is a shame this is one of the few banks available to military members when it won't protect its own customers.

We finally received a loan officer who ignored our calls, emails (yes we know she ignored us because we called different times of the day and still no answer but when we called the main branch she answered). We finally found out we were denied. We tried asking her why and she just said "You can speak to another representative on that." She was such in a rush to hang up on us. She hung up right in the middle of our sentence. RUDE ALL around!!! Unhelpful.

They said that because it came in lower, I either had to pay for the appraisal or pay a higher interest rate. Having been in the real estate appraisal filed for over 25 years, I know the value of my home and the AVM came in $100,000 under the actual value of my home. I cancelled the loan and went to a local bank where I got more money then I requested from the credit union, at a lower interest rate and in half the time. Navy Federal Credit Union takes advantage of people who may not have real estate knowledge and should be closed down.

Mind you, I had to drive almost a hour to meet her at the branch she was at in Alpharetta. I called for several days with no response. I finally called and angrily requested a supervisor who then transferred my paperwork over to another loan officer Sandra **. This officer was attentive in the beginning, and promised to call me back with the next steps. Never heard back. Called her and she stated she had a rough weekend and promised me a call the following day once she caught up on work. Don't hold your breath! She never called or returned any of my emails.

Needless to say, I think Navy Federal has a long way to go in the loan application process. I am happy I did not move forward with this Credit Union for such a huge purchase. I could only imagine the nightmares I would have experienced down the road. My advice would be to steer clear of Navy Federal on a mortgage or at least of these two horrible customer service driven individuals!!!

I requested a transfer to a separate (but still NFCU) account for the same day 7/31. Instead - they took the direct deposit and all debits and ran them on 7/30 - NFCU completed the requested transfer on 7/31 and charged numerous fees for overdraft. When I called for explanation as to why some were done on the 30th - Before my official payroll (direct deposit) release and why the internal transfer was done last and on a different day - truly wanting to know how to avoid this going forward. I was at first told - my transfer scheduled for 8/01 - (if that's the case - they are wrong for doing it early) then I was told it depends on merchant posting - not true at all. Everyone gave me a different answer - Spoke to 3 people - completely contradicting what the one directly before had said. and after an hour of back and forth they say we can't explain why it posted this way but it did and the fees will stay.

#1 - it should not have been processed early - No one, anywhere, ever posts things early at any financial institution I have ever been to. #2 - As an Acct Services Supervisor I would expect that in order for you to justify charges you should be able to explain in a clear fashion (and one that is supported by the fact I should have known- rather from the fine print or elsewhere) which it was not. But I think they should be able to explain and justify charges before saying sorry it's the way it is and the charges will stay.... very poor, uneducated representatives working there.

I told her that's not true. They've done 3 times in a row and she still refused to waive it even after I explained to her that if my money wasn't in the bank my son could lose his health insurance. She uncaringly shrugged and said no. I told her to give me my check back so I could cash it elsewhere. I had to go all the way to Wal-Mart, cash my check and deposit the cash, which made me extremely late for work, so that I could have the money in the account for the insurance payment. Will very likely be using another bank from now on. And what funny is when we had a lot on our savings account I was never treated like this, we recently had car issues which took a lot out of our saving and suddenly are treated like garbage. I guess if you cash big bucks they treat you great but if you aren't doing so hot they act like you're trash.

The sellers broker and the title company said what Navy Fed was trying to do was illegal. They also stated that the home loan was between me, and Navy Fed and if they wanted to change it they could without the seller being involved. This statement sounds correct to me however Navy Fed said, "No. It's not correct." They have no idea about home loans and screwed me over at a higher interest rate. Please go anywhere else for a home loan and avoid the headaches with Navy Fed. My realtor, the title company, and brokers all said they hate trying to work with navy fed but now I'm stuck. For autos they do a good job but stay away from home loans!

She said they’ll look into it. In the meantime I got my money refunded back to my account. Almost 3 months later I notice that my account was being deducted for the amount that was refunded back to me, I called the bank and asked them why are they doing this and the first guy I spoke with said that they had their investigates look into it and that they found no proof that the restaurant made any mistake swiping my card more than once and charging me the same amount more than once on the same day and he said he couldn’t tell me any more.

So I asked him to speak to a supervisor and he said even if I speak to one that the supervisor can’t tell me anything other than what he told me. I told him to please put a supervisor on the phone and the supervisor came on the phone and said that there wasn’t anything that they can do because there was no proof and or paper saying that the restaurant will refund me my money, but the proof is on my bank statement I told him. He said that he can put in a request to ask for a signed receipt from the restaurant to show that I only signed one receipt. I asked him why didn’t they do that from the beginning? And again he couldn’t tell answer me... I feel robbed of this bank, I’ve never in my life had to deal with this from my other bank. Navy Fed should have helped me, but didn’t.

Three times and I was short. Now, on June 27, my statement said I would be getting a deposit in the 29 of June for x amount of money. I have 2 deposits, VA and OPM. Well instead of both payments coming on the 29th as stated, the VA deposit came in on June 28? And the OPM deposit was now scheduled to come in in JULY 2nd. WHAT! I have never, ever received an OPM payment, when the 1st is on a Sunday the day after... AND why did it change from the 29 as initially stated in my statement.

I asked the clerk why and she seemed like she made up an answer that I have never ever heard of. Last month, in May. I asked if I could have the money deposited a day earlier in my account and they obliged. She said since I did that I was automatically enrolled in some kind of program that allocated funds a day earlier. Well, if that is the case why have I had to ask several times over the course of the year of our Lord 2018, to do that, even request to speak to a supervisor because uneducated NavFed phone clerks insist that it can’t be done. I think something is verily sneaky going on. Every time I say that, just yesterday matter of fact I get a long silence and the... I think you have issues going on in your head treatment. Something is going on.

To this day the call haunts me as she could care less. She was part of our losing our home and my husband never could get out of his depression and left me after 42 years of marriage. My 39 yr. old son started drinking and never got over the loss and died Feb. 2018. My husband was in the Army for 23 yrs. and went to the Middle East a few times which was hell. I still hear that women's voice in my head and I guess I always will. What an evil person! Be careful dealing with the Navy Fed. Credit Union! Please be careful.

The reason why it’s so long they’re making me fight for my money and prove that I didn’t do it. Where does the bank do its job? I call for an audit. I can’t get it. It’s all these different rules everyone says something different but refuses to put it in writing so I’m calling for investigation of some sort. I need help. I’m not satisfied and I’m overwhelmed. My case is proven fraud and they refuse to do anything. I’m scheduled to be homeless within days and I can’t find justice anywhere. Why should I believe in something that’s not even for me? I don’t get it.

Why can’t I have my money? I have documentation to prove the fraud from the dealership of charging me for a quick minute I don’t have. Selling a car keeping it in my name refinancing it with family members it’s so much on top of my head I can’t even think. I need an attorney to help me settle The statements that I have made. I swear under oath that this is true and is not made up and I’ll speak the same words in a court of law.

Still no response. After 6 months of me chasing them I finally called again today only to be told that the restriction was permanent and will never be removed. Haha! Mind you, the credit card had already been showing on my credit report for months. ALSO, my card was stolen from my car which I had filed a police report. Their fraud department is an absolute joke. I filed a claim and was never followed up with. Two months later I received a notice of a late payment fee and that my account was in jeopardy of being marked late on my credit report.

I never had access to the card myself, maybe the thief and NFCU were in cahoots. Long story short they've done me a favor by restricting my account. NOW I'm currently being told in order to get my money back from the savings account to close the account I need to drive another 2 1/2 hours to a branch to do so. It ain't happenin'... these folks are so extremely delusional at this place. I HIGHLY HIGHLY HIGHLY RECOMMEND looking at USAA Federal Savings Bank long before you ever put trust in this un-trustworthy financial institution. What an absolute joke, and they are supposed to be 'helping' veterans.

I get direct deposit every single week that I could not touch until they unfroze my account, This would cause my bills to be late and extra fees to be added on. They had no sympathy and no urgency in handling this matter and I spoke with three different people for three days straight before they even put the fraud claim in. For this to be a military credit union it definitely doesn’t operate under the humility and standards of our military. The branch employees and phone customer service representatives are rude and inconsiderate. I would not recommend anyone create a new account with Navy Federal try another credit union.

A heavyset man told me to leave the bank now! I kept telling them I wanted my so called money and I kept asking for his name. He would not give it to me! I was upset. I pushed him, I am sorry I did that but they do not know my condition. I have never been through this before in my whole life. Then a man calls me up and he is calling from Florida Mortgage telling me that I am not allowed at their branches. I just want my money! Now I cannot go in. I do not have no money. They froze everything like a bunch of idiots. I will be going back to the V. A. hospital, I want something done about all this.

I want the heavy man out of there. I want my money! How am I gonna live now, I am not married and I am sick. This will be the third time I am in the V. A. Hospital! You do not treat Vets and military people like this. We served for our country. Is not that enough. Please get back with me as soon as you can. You have my number and my email. I want my money. I will bank at Deer Valley Credit Union. Please help me out, I also want the lady that put a freeze on everything fired! Thank you. I am sorry I got so upset at the bank and barely pushed the man. He would not give me his name. Thank you whoever takes this. I was in the Navy. Now I am sick!? I will give you my access number.

When I finally received the card. It was past the tone that I could get the zero percent balance transfer and they cut my card off three days after I received it for not paying the expediting fee on the first card, which I had discussed with a representative immediately after I had lost the card. Now they are billing me again and I’m not late on a darn thing. I can’t talk to the same person at any time that I talk to them. Do NOT get this card. You will be raped in the woods.

I told him that does not sound right either. So he called another rep and she took our documents uploaded them to the Business HQ department and we were told we would receive word within 3 business days. I called back 2 days after I received a voicemail. The guy on the other line was an ignoramus who tells me that not only do the other directors need to be members but that I need to resubmit my certificate of formation paperwork to state that my name really has a Jr after it because that is what my account says. I did curse telling him that this was BS. He told me that according to The Secrecy Act of 1970 that I had to do this. I asked him fine send me the policy - He tells me that NFCU is not obligated to send me the policy.

I hung up and called Customer Service a day later. I told the rep what had happen to me and told her she was the 3rd person I talked to in order to get a business account. She tried to put me through to Business HQ Dept - Leader a Ms. **. Ms ** was in a meeting so she told me she would leave a message and that Ms. ** would call me back within 48 hours. No call from Ms. **. Lo and behold it's Friday again a week later and my business partner says we got a business access number from NFCU. So he calls NFCU and the rep in the Business HQ Dept and she says just put no on the application and the directors need to be eligible but no necessarily members and to disregard the Secrecy Law of 1970. So we create a new application go back to the same branch. We asked to speak to a manager. The manager pawns us off on another worker who is training another worker.

She listens as we tell her that she is the eighth person we have talked to in order to get a business account. She calls the Business HQ Dept and they tell her that the directors of our board have to be members. I thought I was going to lose my mind. So I tell her that one of our boards of directors is in Korea living out of tent on active duty and that it is midnight there because of the 14 hour difference. She apologizes but tells us she cannot help us any further. I give my business partner the "My PTSD is at an all-time high" look and we go across the street to BBVA Compass and open up a business account in less than an hour. This is a true story - I promise I can't make this stuff up.

Since I never intended to use the NFCU account if I didn't get a loan, I wouldn't have signed myself up for another checking account with a debit card, and certainly not one which have cost me $5/month. I called Customer Service. NFCU could have deleted the checking account and credited me the $100 towards my savings account; they give credits for referrals, but NO, they were very apologetic. So, I closed my account. See ya! Maybe you don't need customers like me; but then you don't need my money either.

Is been really good. I know I still need to pay the loan but I have better atm, I have better bank, customer service is better, every time you deposit is in your account same day or next day. We're no the only with this problem and with other problem people have we Navy Federal. I put this for the people know my EXPERIENCE AND THAT YOU OUR VETERANS AND ALL OUR SOLDIERS DESERVE BETTER DEAL AND BETTER CREDIT UNION OR BANK.

I called the bank and was told that it was because of my payment of $6,000. I asked her how since the payment was on hold and had not been posted to the account. She tried to tell me that once it cleared I would have a balance of $8000+. After presenting her with the pending transactions, I literally had to make the representative go item by item to show her that her and the bank's calculations do not add up. After we reviewed everything, she admitted that I was correct and wanted to speak to her supervisor about it. When she came back, she went back to saying what she was saying originally. I was told that I would be able to see what she is saying on Tuesday.

So not only did they take my available credit, but now I have to wait until Tuesday to see if my account has been reconciled. In addition to this, I use my credit card for business purposes and now I have to put my business needs on hold until this mess is cleared up. I have NEVER had a bad experience with any bank like this before!!! The representative's attitude was condescending and rude! Once my balance is paid completely, I will be cancelling this account!!! The absolute worst!!!

I sent faxes of my government issued photo(s) identifications and signature which I was instructed by the rep. "Dave, Austin, Antony and Tamera." I provided my SSN, DOB, and whatever else they request and yet they weren't able to assist me. I finally get a chance to speak to their supervisor "Brady" after I requested to have my code word removed. Note: Brady and Tamera was pretty helpful but the rest of the reps should find another occupation other than customer service profession. All these hassle and frustration, I request to closed my account.