Navy Federal Credit Union

Navy Federal told me that I had overdraft my account. Come to find out it was a computer glitch on their behalf. Agent put my money back into my credit card then mysteriously right after he did that they put it in my checkings and then took it out my checkings and so the money's gone. I wrote a letter to the fraud department and so it's almost been a year and I haven't heard anything. When I try to call the fraud department I don't believe it's the fraud department. It's just the regular workers that's working there and they tell me they don't know anything and I didn't send no letter. I will stay away from that company is fraud and the workers that work there look like they hired them off the street because they got a nasty attitude. Guy was laughing every time I was talking about my money like it was funny. I told him I said that if he was in my face he won't be laughing cuz it ain't no laughing matter. That company is stealing people's money.

Navy Federal has absolutely changed. Today I got two of the rudest most condescending agents over the phone. It’s so difficult for me to even talk about it. I’ve banked with them specifically because my father was in the service, and I believed in their mission to serve service members and members of her family. But when I called to inquire about my transaction. And I wanted to further just grieve the situation not because the agent was a good but the policy of it. The agent took it very personally, and became a victim in the conversation and would not transfer me so I can’t talk to them about an unreasonable whole time on a deposit I had made. See if they wanted to keep my deposit on hold for over seven days when it was just a refund. It was so basic and so ridiculously simple of an issue.

If you aren't a qualified forensic accountant, take your banking needs elsewhere. They're hard to reach, and once you finally do get through, you'll be transferred around often. I do not live near a branch and had to deposit a refund check, and mobile app didn't work, so I asked for deposit slips to be sent to me so I could deposit by mail. 3 times I asked for them, and 3 times I didn't receive them, and guess what, the check's expiration date came- worthless check. The check was only $68 but that's not the point. I'm also a fan of security features, but NFCU's are extreme. Many times I have been embarrassed at point of sale because card was declined, despite my having plenty of money in savings and checking, and credit card at 20%. I would advise my Navy and Marine Corps brothers and sisters to avoid this bank. I thought time would improve things but they've only gotten worse.

As a long time member that has paid off close to $200,000 in loans I am very disappointed. Discover home loans approved us for 3 percentage points lower than NFCU. Saved us over $700 monthly in payment. We had no prior relationship with Discover home loans. We had previously paid off approximately $200k with NFCU, and they refused to match the APR we received with the approval from Discover Home Loans. NFCU does not take care of their loyal customers.

NFCU took nearly 7K from my Savings account without a Garnishment or any phone or mail notification. This was not legal. They had their third party collection agency do that. They never gave me a chance to pay the discharged amount. Stay clear of NFCU. They are a corrupt company.

I recently leased a car from D&M Leasing (which is another story with exuberant fees and commissions). I had the car for 3 months, I roughly paid $6500 down and made payments on time. I received an advertisement from my personal bank, Navy Federal Credit Union promoting an option to refinance my auto loan. Having paid nothing towards the principal so to speak, I filled out the application and was approved. I phoned D&M leasing to get the payoff. Let's say it was $50,000. I phoned NFCU with the payoff amount and to their credit, 2 days later a check arrived addressed to Texas Credit Union (the financing bank for D&M Leasing) for the amount of $50,000. I took the check to TCU and paid off my loan, they indicated that I would receive my title in the mail soon. I did not receive it for 7 weeks.

Talking to branch reps and then the security team about 5 day holds on checks from benefactors that I have several check deposits from before with no issues, they were unable to give me a definitive answer to why. The security department gave info that there is no restriction on my account and there is a person that decides if a check is put on hold, this person that is in charge and gives the final decision on determining if a check is put on a hold cannot be reached and is unavailable to the consumer to provide clarification of the exact issue. Only vague descriptions of problem can be offered and there is no recourse in acquiring a resolution to the issue according to the security department. Personnel were understanding and cordial.

New account, trying to manage disabled brother's account who is located in a nursing home 1500 mi away from me, multiple visits to NFCU offices, more than 6 hours on the phone, POA on file with NFCU, picture IDs on file with NFCU, NFCU Online Agreement signed by myself and the disabled brother, and still can't get NFCU to stop shuffling us around between nfcu office, member services, security dept, digital services dept. We were assured in the NFCU office a wk ago that all was solved and I had access to conduct the authorized transactions. A wk later NO JOY.

Had an account with Navy Federal for years. At least 3 times this year I’ve had my account compromised. Just the other day they closed my account completely down because someone hacked into my account on a computer and took my money. Then they made me pay over $100 back to them because of this. Not only did they do that they took $700 of my money that I sent to my mother. I’m a hard working mom and I can’t believe this even happened to me!! My son can’t enjoy Christmas because of this. I will never trust them ever again. They are scammers and liars.

My spouse and I are both vets. After reading the great reviews, I applied for and was granted a Navy FCU membership for a 2ND home in Florida, however we were not able to access their mortgage site after repeated attempts. I reached Chris at the call center and was advised this brand-new account will be closed and was flagged for fraud because I am not me, or we are not we. What???? Furthermore, the expected wait times via phone for the Security Team to rectify this mistake was nearly 2 hrs. I understand they have a job to do, but we don't appreciate the way it was handled. This account is not even 24 hrs. old and already experienced issues that could’ve been resolved had they simply reached out.