Navy Federal Credit Union

NFCU however, did grant me credit to proceed with this bill and sent me a letter when it will be credited out of my account when recipient is tracked and my account is recovered. I realized that my account was in the negative and asked several times to make a full payment at the branch 10 days after the date because I have major utilities and auto drafts around that date. The bank credit the amount leaving a LARGER negative balance, and my direct deposit on payday still did not cover the balance leaving me without food, gas or my bill paid. I am not granted overdraft protection with the bank and they were aware of this but encouraged me to call the department who also could not help me.

NFCU sent me the following message: "Navy Federal Response 04/09/2019: Unfortunately the reversal of funds for a Merchant Credit is not available for a payment plan. The funds have been reversed as of 4/9/19. We now consider this matter closed." I mean, the only reason why I requested this was NOT because I did not want to pay, but because of the bills I had lined up to be paid around the time. As of this moment, I have mixed feelings about continuing business with this Bank.

The guy was not trying to help me at all neither did he explain to me why my account overdrawn. I told him to close my account he told me I can’t close my account because I have credit card. I told him that bull **. Do not use this bank NFCU. LIES LIES LIES. RUN. It's best to keep your money at home in a secure place. All banks are full of excuses. They don't try help you do much anyway and charge you 1.00 for every time you swipe. RUN. RUN. RUN.

I was never given the chance to find out what was going on. I called as soon as I got the letter and was told, "Yeah too bad". I asked for a supervisor and they said nothing they can do and were extremely rude. I sent a message asking for an appeal and I called to speak to another supervisor who was helpful and said my appeal would be sent up as urgent. I get a call from a dispute person who was so rude to me. He called me a liar about speaking with the supervisor and that my case is closed and they are done dealing with it. I stared. I wanted a chance to appeal the case. He said no. I said I would like to speak to someone else. He said no. I said wanted a supervisor. He said no. I asked for corporate information. He said no. He refused to let me speak and constantly talked over me and was the most rude person I have ever encountered.

I feel my rights were being denied which has been the same every time I call. I hung up and called Navy Federal directly to find out how to report them and no one could do anything except get me to another supervisor that did nothing. So in February the original credit I was given was taken back... okay fine. In March they charged me again for the original purchase for another $600! This how left my credit card at $1200. I spoke to a lady in disputes, fraud, and credit cards and finally they said it was an issue on their end because the amount I was disputing was different from the original amount. They said a dispute would be filed (another one). Two weeks go by. Nothing. I call again and nothing has changed no notes no credits, it was like I never spoke to anyone.

This time a woman helped her whole shift to figure it out and she called me back stating the $600 would be credited back to me within 24/48 hours. Well 6 days later still nothing. I call again and was told the same thing that there is no notes regarding any credits owed or any disputes regarding this. I asked for a supervisor. The supervisor said to call during normal business hours. I asked to speak to someone else she said no. I ask to speak to a different supervisor. She said she will give me his voicemail but he probably won't call back. I told her that her tone was condescending and she was being rude. She said she wasn't.

I explained how I have been run around with no solution. She continued to be rude. I told her she should be more respectful of customers. She said ok. I told her to send a message to the original woman I spoke to. She said she would send it to the department but not the person. I asked for her information so I could report her along with the others and she said her name. Then in a childish and ridiculously rude tone said, "Would you like me to spell it for you". I told her, "No. I am capable of spelling. I do have a masters degree".

So here I am almost 6 months later with a $1200 debt and ridiculous frustrations. I have asked for the corporate information countless times and I was told no they can't give it out. When I ask to speak to someone higher than a supervisor they tell me there is no one higher. I have been denied being transferred as well as when I ask for their information they only provide their first name that's it. So to even write a letter to cooperate I have no idea identifying information about their rude employees. I did locate the cooperate mailing address but no phone numbers.

Earlier this month (March 8), I was paid $538. NFCU IMMEDIATELY took $414 of that, leaving me with nothing. Bear in mind, I have bills like electricity, water, phone, and insurance to pay still. Fine. I didn't make a fuss, because it brought my accounts to only 17 days delinquent. I had to have a friend transfer $60 to me so I could survive. I just held on for dear life until my next check. Fast forward to yesterday (March 22) when I got paid $468. They again pulled $414, leaving me worse off than before. I still haven't paid my bills, and I face eviction because of it. When I called them to request they reverse the transfer, I got some snotty guy (I think Tristan was his name) who told me that my loans were over 30 days delinquent. No they weren't. They were 17 days. So he lied to me to justify stealing my money. I would have even been willing to let them keep $200 to put towards the loans, but they weren't willing to work with me.

So I now have nothing, I may be homeless because of it, and NFCU doesn't care one bit. Thanks for spitting in the faces of veterans like me. People wonder why so many of us go crazy and commit suicide. Here's one of the reasons. Unfortunately for you all, I am dating an attorney, so you'd better believe I will be getting some legal advice. If I am able to, I will be suing NFCU. At the very least, I will be closing my accounts with them. The only money they will ever get of mine again is to pay the loans. That's it. Oh, and I will also be telling my story to everyone who will listen. This includes any news outlet looking for a story (and you know they're ALWAYS looking for the next big piece). Due to my military service, I've also got contacts in Congress, so I think they should know what NFCU is doing to its members as well.

I live in a big city where I use cards for going out and Navy Federal credit cards were one of them. They made plenty of money off the merchants. When I swiped my card Navy Federal moves to the bottom of my list for favorite credit cards so hey you guys! If there happens to be a credit card you have and don't like the Bank/Credit union only use cards occasionally to keep them open. Don't use them regularly because banks, credit unions know they make money when we swipe the cards and make hundreds of dollars from our favorite restaurants, stores, etc. Now that the cat's out of the bag happy shopping you guys!