Navy Federal Credit Union Reviews

I was told fraud and money theft from my account are my problem. They claimed they could not prove my innocence in the financial loss. Someone purchased plane and train tickets off my account. I saw the charges, alerted Navy Federal. I have no idea who did it. I got a new debit card, cut up my old one. NFCU supposedly "researched" it. I got a letter that says they can't prove it wasn't me so the $764 is my loss. They even told me it was especially true because I don't know who did it. I had a long talk with a Fraud Department woman who clarified that when somebody tried to use my cancelled card again a year later, it still doesn't prove it was stolen and no research is done about who did it when it happens.

I have been a loyal member with Navy Federal Credit Union since 2021, and I am extremely disappointed with how my account issues have been handled. After fraud was reported on my account, instead of helping me access my money safely, NFCU shut down my debit card for a year. After a year, I can get a debit card! Now they have also restricted my Zelle access. I've never in my life had my funds held from me that I WORK FOR!!! I currently have nearly $20,000 in my accounts that I cannot properly access. I was told to either use gift cards loaded with my funds or rely on credit cards, which is completely unreasonable when this is my own money. I also have direct deposit set up through my employer, making this situation even more stressful.

A local check I deposited was supposed to clear in (2) business days, at the end of the 3rd day still hadn’t cleared. When I tried to find out why they said a security hold. This is the second time they’ve put a security hold on a check with no explanation of why from a local company. Ridiculous, worst customer service ever, I will be removing all my funds as soon as the check has cleared!!!

Went in to the one on 195 Crossover Rd in Winchester to get a new debit card and take money out, The guy at the counter said he cannot do the transaction, because my name was not in the same order as my driver license. I have been with Navy Fed for 10 years and just took money out the following week at another location and I've never had an issue, First off I was treated with disrespect and telling me that other location was wrong and the one on Berryville is where I opened up the account 10 years ago and they asked me what name I wanted on the card and asked to see my driver's license and again never had an issue. I will go back to the other location where customer service matters

What a poor credit union. I started an account because of an estate. I gave $25 to them and forgot about it. Bottom line is now I am getting 4 dollars back after it sitting in that bank and doing nothing but wanting to close it.

I am banned for life from ever being a member of Navy Federal. They keep sending me mail asking me to join. So I call and start my application. The person on the phone says I am locked out. They asked a specialist to try and put me in good standing. Only to come off of hold and tell me I can't become a member, sorry. Back in the 90's, I had an account with NFCU. I closed my account and didn't pay overdraft fees, penalties, or something. I really don't remember. After three decades, Navy Federal does not forgive or forget.

Want to open an account for your teen? That’s great! They can do it. Once they age into an adult and you want to remove your name, in the branch they’ll tell you “your son/daughter has to be here with you.” If they overdraft their account, and let it sit for 30 days + before paying it back, then Navy Federal will find your accounts and TAKE YOUR money to cover it. No email, no call letting you know what’s going to happen, just when you least expect it. Oh! But they’ll tell you on the phone that “sure we can take your name off of it with an emessage” only AFTER they take your money.

We are now going on FOUR MONTHS to close a home loan. Our loan processor has made several "typos" on our documentation, and we have needed to re-sign many documents, which has further delayed the process. We were told that our loan have MOVED TO THREE DIFFERENT UNDERWRITERS. And each one asks for DIFFERENT documentation. Now, over 90 days into this process, they said they need to call my wife's employer to actually confirm that she was pregnant in 2025. This is getting to be borderline harassment. I would walk away, but we do need this loan. Lastly, we almost lapsed on our home insurance policy because our carrier switched payment to Navy Fed, on the assumption they would have actually closed the loan. STAY AWAY FOR NAVY FEDERAL!

Worst credit union in the world! In Winchester VA they are getting free security from tax payers by having deputies from the county on site every day because when our service members are overseas they are allowing their spouses to empty their accounts and returning home to find out they lost everything. My wife was able to add herself to my account via text message! Stay away from this rip off place. Their job is to steal everything they can from all service members and when they leave they do it to another member of their family or another service member! What a joke. STAY AWAY AND WARN ALL YOUR FRIENDS AND FAMILY TO DO THE SAME. Also, why do taxpayers not care to pay for security for a credit union they are in no way affiliated with?

We are in the process of selling our home. Our buyer choose Navy Federal in GA. The pure lack of communication to our buyer, the delays in appraisal information being submitted, the lack of urgency for our closing date on our contract, the loan officer NOT returning emails… It’s the most ridiculous, unprofessional organization I’ve ever had the unfortunate issue of witnessing. This had delayed our closing date for both the sale of our house and our purchase of another. Three families have been affected by this ridiculous excuse of a loan agency. We are still waiting for our buyer to get a clear to close and the final documents to move forward in this process. Guess we’ll all just sit around and wait for them to do their jobs!!