Navy Federal Credit Union

I have been a member of NFCU for 43 years and have found the credit union to be top notch. I’ve had bank accounts with other banks over the years. Primarily because the company I worked for would auto deposit my pay only at their bank. But I have always maintained my NFCU account. NFCU has financed every car I’ve bought in the past 20 years and they even finance my house. The staff are always friendly and go out of their way to be helpful and resolve any issue that arises. Everyone in my family is a member and I encourage everyone who qualifies to join.

Navy Federal would not issue me another card without my sending proof of my identification, which of I course was lost with my wallet.

I and my business partner took an early Friday morning off to set up a business checking account at NFCU. I had everything prepared application, certificate of formation, consent from directors and an EIN verification. We arrived at 1000 hrs at a branch in Sugar Land, Texas. We were told to wait in the lobby and within 5 minutes a young man shows up and I noticed that his badge was upside down so I let him know (this was an omen). He explains to us that not only do the two of us have to be on the account but our 2 other Board of Directors as well. I tell him no, that does not sound right. So he calls the business HQs and they tell him that the other directors do not need to be on the account but eligible to be members.

I've seen a lot of post bad experience, but mine has been by far a really good experience. Any fraudulent activities on my account had been taken care of immediately regardless if it was my credit card or checking. I recently found out about getting my paycheck released a day early and that is always a plus when something happens. When I need to get that done, the rep just verifies some information and my funds are available within minutes. Yes, the return check fee is a bit high, but that's where you should be responsible with spending. I think my only issue would be that the interest on the credit cards are too high. Other than that my family and I all love Navy Fed.

I wanted to refinance my house, and in talking to NFCU's representative, they said it would be faster to apply for membership with a deposit. I went online several times and tried to get an account. Their temporary pin and verification system was a nightmare. After they gave me the loan information, I decided not to refinance. So, about 20 months later from when I opened my account, I got a letter informing me I owed NFCU money. I discovered NFCU had been charging me $5/month for an "e-checking" account from my ($100) savings account. I don't know if the checking and savings accounts are severable; but if it had been an Everyday Checking a $50 deposit would have covered any fees.

My husband is been with Navy Federal 24 years. The last 5 years Navy Federal is a pain in my **. Customer services is the worse. They no want to help or have some excuses, I have two loan with them. One is a consolidation loan. I ask for put the 2 loan in one. They say, "No. We no do consolidation loan." Really? I have one with them, I no ask for more money. I ask put the two loan in one payment one interest. They say no, they want to have two payments. Every time I say this to another person say this is really no right that why I change bank.

These idiots must think people are stupid (maybe we are for banking with them)!!! I had an available credit of $10,350.71 on my credit yesterday. I used my card for business purposes and spent $4,125.54, which left me with a remaining credit of $6,374.63. I made a payment of $6,000 after my purchases. This should give me an available credit of $12,374.63 once the payment clears. I went onto the site to see if the payment cleared, and found out that I had an available balance of $2,374.63. Then it showed I had a credited amount of $4,009.78.

I've been banking with NFCU since 2000. I finally have the chance to find out how their customer service department and "digital service department" treat their client. I have a monthly direct deposit to my account hoping to accumulate funds for my kids future. I forgot my password for online access so I contacted the customer service department and digital service department. I went through almost 6 hours of hassle attempting to have my "code word" removed.

I applied for a pre-qual mortgage letter and received one after providing all required information including the fact that I have an approved retirement date. Having received an approved pre-qual I signed a contract on a home, paid for a home inspection and proceeded with the purchase process until I was notified that they would in fact NOT lend me the money to purchase a home as I was retiring in eight months. After I was denied I asked if they would please email me the credit report that they charged me $18.50 for and they refused stating that I would receive a copy from Equifax in 7-10 business days. Even though they had a digital copy of my report, they refused to send a copy to me. I have borrowed from Navy Fed for mortgages twice before without issue or concern but the level of service and lack of thorough screening in the pre-qual process cost me $348.50 that could have been avoided.

My husband and I have been going through Navy Federal and taking advantage of his VA benefits for our new mortgage. Navy Federal has been the absolute worst when it comes to this process. It started out great, low interest rate, getting information over to them and getting decent feedback. Then all of a sudden our rep through Navy Federal dropped us to a new person. We have since then been bounced between these two reps without any explanation as to why. And that person then started asking for information we had already provided. Claiming it wasn't received. Then we would get the info into them again, ask if they needed anything else, receiving a "no" response.

We have been with NFCU for 30+ years. We recently applied for a mortgage loan and were promised for a prompt response. We have an outstanding credit 800+. It took our mortgage officer over a week to call us regarding our application and it was very apparent that she had never looked at our application when she called. She did not even know who the vet was and I had included the DD214 in the package. I asked that her supervisor give me a call. It has been six weeks. No call. I have called and it is impossible to reach anyone to speak with them. We went through NFCU before and it was wonderful. Their practices and ethics have taken a nose dive. Do NOT use this company. There are no longer any ethics. They will lie when the truth would do better.

I didn't care for them the last time I used them. I thought well maybe things are better after 10 years or more. I was wrong. First, if you have any money in your account and you are late on a bill they take all they need. I've talked to other people this has happened to. Second, no matter how many loans you have they will be due on the same date. The date is based on your account number. Apparently, the 11th is my date. I asked a lady to change it... her response was "well... pay your bills a month early." While that would be nice, I hope to get to that point.

Navy Federal notified me by phone that someone was fraudulently using my credit card. The representative advised of the charges and situation and said they would handle it, and not to worry. I kept in contact with them regarding the additional charges that were made. They cancelled my card and husband's cards and sent new cards by overnight mail. 3 months later the larger of the fraudulent charges were placed by on my account with my knowledge. I went online to make my payment and noticed my card was way over the limit. I put in a dispute for the charges and the agent basically accused me of lying because there is a chip in my card. Since I'm not a criminal, I know nothing about Chips. I've spoken with 3 representatives and they still have not removed the charges. My credit scores have been affected by this, since my card is over it's limit! Terrible customer service!!!!!

I've been a member since the first few weeks of boot camp in Jan 2001. In that 17 years they've only me no once when I needed a loan or credit and had nowhere else to turn. I'll admit the interest rates could be better for some of the services, especially for a long-term member; but they are still competitive with the market. Overall, I love being a member!

My husband and I have been banking with NFCU for over 7 years now. He was active duty in the USMC, but now he is retired. We also bank with Truliant, and the only reason we didn't use NFCU is because they didn't provide the type of account we needed. NFCU has always really helped us out through many different situations of financial hardship, but I'll just share the experience I had today with them.

I had applied for a small personal loan. I make more than enough money to pay the loan back but we had an emergency and I asked to borrow $7K. I have been with them for years. Twice they screwed my credit up by making hard inquiries and denying a credit increase. Last time they put it in the system like 8 times and it dropped my score. My credit score is in the 600s. It’s not great but could be worse they told me. We use not only credit but other factors, after giving the woman my information I get "oh I'm sorry you have been denied". What? You know that after 5 minutes on the phone with me?

I paid a credit card off in full to Navy Federal. Had payments taken out of my Wells Fargo account, told them to stop after I paid them in full, Navy Federal would not stop nor would they despot the money back into my Wells Fargo account. They said I gave them permission to take money out... not for ever. I did not. My account was paid in full and they kept taking money even after I told them not to... STAY AWAY FROM HERE. Going to a lawyer. And they are charging me for my checks I charged back to them, going to small claims court. DO NOT SET UP AUTOMATIC PAYMENTS. THEY WILL NOT STOP TAKING MONEY!

This bank is horrible, they help themselves to your hard earned money! Don’t dare have a emergency and be behind on a payment, not only will they take it out of your account without your permission, they will freeze your account! Thanks for being understanding Navy Federal, had a family emergency and they took my child care payment out of my account and left the account in the negative, now my loan payment is not 5 days past due anymore but I can’t go to work!! Wouldn’t even let me make the payment up next week!

I lost my car in electrical short wire 5 mos. ago. So I wanted to get car loan for another car. They "no" in 1 minute now. My credit is low now. But I have been with Credit Union for 25 years. Now can't work any overtime because of no car. Well I'm upset. This credit union get 4 F's in attitude toward Veterans like me not let succeed.

My husband deposited the gift I gave him into Navy Federal Credit Union. Navy Federal Credit Union kept the deposit, froze his account and lied to both the CFPB and Senator John McCain about the deposit. I found the CFPB response letter where Navy Federal Credit Union states the names provided do not constitute sufficient information to enable us to identify any applicable accounts at Navy Federal Credit Union. I have sent a copy of that letter and Navy Federal Credit Union account statement showing how long the account has been open to both the CFPB and Senator John McCain.

This is the second time they took my money without my authorization. I had an overdraft account that I told them I would pay off in December. I moved over $300 to my savings. They grabbed it out my account today and said it was sent over to my old account. No one sent me a letter saying they were going to do this or nothing.

I will say I had an amazing experience being financed with NFCU since 09/2013 for my vehicle. My funding process was very fast, and I was able to maintain all my payments on time; in fact I was paid ahead by 7 months on my payments. Unfortunately, my vehicle was totaled this month, 11/2017, but the process to payoff the car was as smooth as can be. Additionally, I made a payment right before my vehicle was paid off, which had been prescheduled, and within 48 business hours of my payoff posting to the account, I had my refund amount available in my savings account with NFCU! Working in the autofinancing industry myself, I know that many institutions get a bad wrap when things occur, but I will say in every interaction that I had with NFCU, I had a pleasant experience.

Navy Federal is a joke. Do NOT buy gift cards from there - they will steal your money in a service fee of $5 per month if you do not use card. They stole $40 from my son. Card had expiration date of 1/21 and he didn’t get to use any of his cards - he was saving up and Navy Federal took all his money.

Navy Federal scammed me out my money. Sent my loan to collections as charged off, so when I deposited my daughter college refund check they took all her money. I don't care who you have debt with and who you owe. Nobody should be able to watch your account waiting for a deposit just to snatch your money to clear a debt. People fall short all the time, I have learned that Navy Federal got sued last year about how they wrongfully go about collecting money to clear loans that their customers fall short to pay. I hope they get sued again, but I will be taking legal action hiring me a lawyer. They don't care about families. All they care about is meeting their quotas to get a debt paid. They have lost my business and my daughter will not be banking with them anymore either.

Teller: **, refuse to serve me even though I was a joint owner on the account. She did not give me a receipt and continued to argue with me about having a debit card, that has my spouse name on it. They have too many revolving rules. One day I go up there and use my ID and her account number never questioned about. She decided to take her time using the information I gave her and I sat there for 15 minutes. Navy Federal really needs to educate the staff and make it known what can and cannot be used when making a deposit. These bad experiences happen at least every 6 months or so with them!

The Navy Federal Credit Union - NFCU allowed a third party entity to garnish over $65,000 in retroactive pay from the Veterans Disability Compensation department. This amount was awarded to me due to physical and mental injuries I've incurred from military service. The NFCU violated the Veterans Disability Protection Act of 2010, violates Title 38, Section 5301(a)(1) and violates 31 CFR 212.6. I've reported the institution to the Consumer Financial Protection Bureau, the Better Business Bureau and I initiated a Congressional Inquiry via the Honorable David Valadao of Hanford, California. To this day, the NFCU has failed to provide a formal response.

Trying to get some money transferred from a savings account to the charged off debit card so I can that crap off my credit so I can get a mortgage. Mind you I haven't used this bank since I switch to USAA in 2010 for checking. I've had a credit card through them and had to finish paying off my car loan. Both ended in 2014. Had a really bad financial situation and paying the credit card wasn't important as Oh say paying rent, my car, or my utilities so I waited. Now I can but they're making it super hard to get anything done.

Nothing I have ever, ever done with this credit union is simple or easy. There is ALWAYS some reason my funds are unavailable or they are taking money for credit cards, they've done credit checks on me without my permission, consistently turn me down for any kind of loan despite my having good credit and have never been late for a single payment on any credit card. Depositing verified CASH into any other ATM results in a FIVE DAY hold that is irreversible. It is the year 2017, with all the other institutions capable of doing things so quickly how is that even possible for it to take five days to make available HARD AMERICAN CURRENCY that is verified by the ATM at the time of the deposit? There is quite literally no benefit to using Navy Federal over any other institution as far as a checking account is concerned.

Took in some coins to deposit, just like I have done at Pentagon Federal, Bank of America, Wells Fargo, Citibank and others over the years, only to have the teller at the Sterling Virginia branch compare the length of each of the 4 rolls to another one right in front of me this time, another time weighed the rolls of coins right in front of me. Literally the ONLY place that has done this right in front of me in DECADES. Guy at the desk said that was Navy Federal POLICY. REALLY STUPID this day and age, spending lots of money on ads and other items for customer acquisition, doing penny ante stuff like this which torpedoes customer retention. I'm a senior IT professional, upper income bracket, dress and act accordingly, too many other places to invest my money to put up with this crap.

This mortgage department is unable to do simple math. For example, if you have a mortgage that is 1,000 dollars a month and you send them 500 dollars from one bank and 500 from another bank, on the same day, they will "apply both to principal" because alone they do not add up to your payment amount. Your next statement will have two months worth of payments due plus a late fee.