Navy Federal Credit Union Reviews

NFCU is great until something happens. They have so much money they dont have to worry about the small stuff. I was in good standing with a checking, LOC, and credit card. I also did the right thing and purchased the PPP (payment protection plan) that they sold me. Luuuvvved them. That is until I needed the protection plan. Then no one could agree on how to activate it. And then, where to send forms. And if you did send forms to an address that was actually on the plan letter, that was the wrong address.

The company rep assigned to my HELOC application was incompetent and played communication games. She would call me at odd hours, but never answered or called back to my return calls. Same with email - never acknowledged receipt of any correspondence. Asked for material I had already submitted via secure server. I went weeks with no status. I even went by my local branch - attempted to reach her w/ no success. Rather than provide a new rep, NFCU kept this person in loop. I withdrew my app and will never attempt this again with NFCU. Sad, esp since I've been with the company for 33 years.

I've been a Navy Federal member for a decade. I've paid off an auto loan and a signature loan in that time. Recently, my $15k credit card (more than half of my available credit) came up for renewal. NFCU will not renew it, and the only customer service you can speak to for this is via their contact form inhouse mail system. My account is in good standing and has been for years except a few late payments last summer. I've recovered my credit score which is over 600 once again since hard times last summer.

I have several account with Navy Federal, however the complaint is with my business account. I feel that I am being discriminated based on my race and age, by Navy Federal employee. Today I deposited checks into my account and received deliberately deceptive behavior with my financial institution. Teller ** in Stockbridge GA placed a hold on my checks for no reason. Basically because she wanted to put my funds on hold and she used her authority to do so.

Applied for an account on 1/3/2019 after the online process was complete. Navy Federal stated they could not process the case for whatever reason. Contact the Customer Service department and they stated that I needed to provide ID, Proof of how my mom is my mom, and proof of address. Submitted the documents through the emailed link and email address provided. Jan 8th I did not hear anything so I reached again. Only to be told that I had to submit an appeal form with ALL the documents again. Did that again on 01/08/2019 with all the documents. Was told that it would take 15 business days to process. Called after the 15 days because I heard nothing from them. Lady on the line told me to wait 24-48 hours.

Back in 2015 I think I was mistakingly approved for a business loan for a piece of equipment as I have been turned down every year afterwards. Just recently I attempted to apply for a loan to buy another piece of equipment after having been approved by another financial institution and this time NFCU told me that I needed to fill out a loan app, a limited liability company operating agreement and a Certification Regarding Beneficial Owners of Legal Entity Customers. All of this after having been with NFCU for some 30 some odd years personally and some 4 years in a business sense. Each time I’ve attempted to get another piece of equipment financed I’ve been turned down. I can’t understand why being that I’ve just about paid the first loan out and I’m good standing with these people. It's as if they don’t want me to grow my business...

If I could give zero stars I would. I called Navy Federal and a customer cannot increase their ATM withdrawal limit unlike USAA I can call and increase my ATM withdrawal limit to $5000 and go to any ATM and take it out within 48 hours. With Navy Federal $600 is the max, no increases can be done at all, no exceptions. That is pretty pitiful. It's my money and I want it when I want it. Hard to believe they cannot keep up with the competition.

My husband and I have been Navy Federal account holders for 13 years and are currently active duty. I called customer service today to check the status of a refund from Amazon. The refund would have been issued over one month ago according to Amazon but I do not recall seeing it. I called so I may account for this money before calling Amazon.

I am saddened to see that they only have 1 and a half stars on here as of writing this. I have been a NFCU member for 4 years, and I have never had any problems with them. A local credit union, Vystar, has given me so many more problems, mainly with their website and lack of knowledge on the call center portion. I used to love them. But Navy Federal has my heart now. Like I said, I've been with them for 4 years. I have multiple savings accounts, checking accounts, business accounts, a credit card, and will soon be buying a home through them. I cannot recommend them enough. They have always been there when I needed them, are upfront about everything, and provide exceptional customer service.

I've been a member with NFCU since 1979 and NEVER had any issues with any of their products. Maybe I fortunate. Did a lot of business with them while I was on active duty (1988-2011) being stationed all over the world and they've always been there when I needed a loan, credit cards, or help me set up bill-pay. That's more than I can say for my other financial institution (USAA-with them since 1986 and closed everything in late 2017). The returns (interest rates, promos, etc.) on their products are much better than most banks.

I am a Navy vet. I attempted to join online. I sent more ids than required. I received form letters back saying I didn't submit required ids. I submitted a 2nd time, more ids than required. I received the same form letter again. I called. The person answering repeated the same as was in their letters, not offering any help or explanation. She was not interested and did not care. I decided not to join because there is not a physical branch where I live and this type of customer service would make resolving any future problems difficult. I would not recommend opening an account. Very disappointing.

I do not recommend NFCU to anyone looking for a bank. They advertise they support their members but this is not true. I have been a member for over 20 years and through their policies are keeping almost 3,000.00 dollars I have in escrow. I have tried numerous times to have them issue my money to me but they are refusing to do so. 3K may not seem like a lot of money to them but apparently if you become a member you are just another number…

NFCU beat bank I've ever had. Hands down. Always help out in a pinch. Fees aren't crazy for overdrafts and it's really hard to believe that all the reviews on here are negative. Some people must not have ever banked with a large bank. Thanks NFCU for helping me out all the time.

My veteran husband passed leaving me as a beneficiary and or joint on the accounts. I submitted the death certificate immediately and complied with their paperwork requirements. They have delayed access to accounts either visually or to funds. It's been a month. That's scary for anyone that needs to pay bills. They had a glitch throughout all Navy recently and it showed no money in the accounts. That's great! Beware!

I recently had an uncle who was killed accidentally in a car accident, my family sued and recovered a settlement, of course, it’s not enough and could never replace my uncle. However, my grandmother wanted to make sure that all the grandchildren were given something from my uncle. So, she sends cashier’s checks for Christmas from Commerce Bank. Navy Federal put a hold on the “cashier’s check” during Christmas. NFCU could call Commerce to verify the funds in five minutes. NFCU branch superior “Teresa” actually said that Commerce Bank does not verify their cashier's checks “REALLY”, which I know that any bank that is FDIC insured must verify funds, especially to another Bank! This was relayed to me by NFCU call center supervisor “Kate.” Because “Teresa,” refused my call.

*WARNING*! All the NEGATIVE MORTGAGE REVIEWS ARE TRUE!! Their customer service is the WORST! READ YOUR DOCS CAREFULLY and FEES BREAKDOWN! They were inconsistent and fees were outrageous! They avoid answering your emails, voicemails, and never give you any updates! It was very difficult to get a hold of our loan officer! She obviously was avoiding us! She Flat out lied to us about NOT CHARGING the [NON-REFUNDABLE] Appraisal fees! We hadn’t even submitted all required docs nor schedule any Appraisal appointment!

I tried to get an account opened and they had trouble verifying my info, they asked for a photo ID and a utility bill which I sent via their secured document link. Got an email saying the documents were received. Today I got a letter asking for the documents again. If they cannot manage to keep track of important documents sent and received, I sure wouldn't trust them with my $$. I'm really regretting sending the documents now, with all the identity theft issues, I think these folks are incompetent...

I've been with Navy Federal for several years, and no problems to date. Got a secured credit card with $500 being held, then after 9 months or so, my credit card was upgraded to a $2,000 and my $500 security was returned. Keep in mind, folks, that the 99% of customers that have a fine experience, so don't really think of coming to write a review on it.

The fraudulent department is so horrible. I been fighting for my $41,200 for 3 years - keep getting denied because they want to say civil and good faith. This bank let my ex cash my cashier check written in my name, never had joint accounts. We were separated, she had a restraining order against me. I was incarcerated the day she forge and cashed my check, have proof of it and they keep denying me. Someone please let me know if anybody can help. This make me homeless and ever since it be a struggle.

My wallet got stolen, I tried to stop all transaction and they never did, let my account overdrawn from fraud activity. After many request along with police report to close my account they never did. For $168 (fraud activity) charge, they put $730 fees in 30 days and then close my account. (Never did when I asked to.) And then started recovering $730. Says they help military, but instead take advantage for every little bit. Already dealing with identity theft and now this greedy bank, that takes money any time. We stopped all transaction through them and started paying their fees (that shouldn't be there in the first place) in fear of spoiling credit in monthly installment.

After reading these reviews, seems like they screw a lot of folks on fraud. Aka they do not want to protect you aka payout. Anywho, So, I used Navy federal for 9+ years. I had many personal loans, car loans, credit cards etc. All paid In good standing and on time. Well one day, I had $3800+ of a fraudulent transaction on my account. I had physical proof that it was fraud. Well Navy Federal refunded the money. (Money was used for car repairs, shop charged when I was not even there) So I paid another shop to actually do the work and fix the car.

I experience money was not adding up what my balance should have been when I deposit large amount money in my checking account. I tried loan for house and 2 time days before closing it always something wrong and last time of closing 3 days, they said I couldn’t get loan.

This is the worst institution I've EVER dealt with. Every time you call they have some new security requirement you have to add to your account or some new detail you have to give them in order to access your information. I understand the need for security but the ever changing rules are ridiculous. In addition to that, they request information completely unnecessary to the loan process; stuff that is really none of their business or relevant to the loan process. We've had several loans with them over the years and they get worse each year. We've had to submit paperwork (the SAME paperwork) 3 times just to try and transfer a loan we ALREADY HAVE to have my son added on it (his car loan). They keep saying it's wrong when it's absolutely correct and what they're asking for... Look again. They are completely frustrating to deal with!

Summary: Stay away from this bank! Trust me! Stay a w a y!! This bank SUCKS. Stay away. The only reason why I opened a business account with this bank was that they were now accepting Zelle payments which allows me to transfer money from other banks in no time. This was the longest and most painful application I've ever been through with a bank (So you may think that it will be so worth it once you finally open the account), well. They only have one location in South Florida, and if you want to deposit money on an ATM you have to drive there, so I thought Zelle payments would help me. And then.

I deposited $100 a year ago to show good faith on getting a good loan rate. Instead, I went with AIM, who beat them like a drum. Tonight, I got a non-customer offer (although I could get it, too) of a 12 Month 3% CD. Okay... I'll stick around for that. Once online, it's got a $3, 000 maximum (whoopee!) and it requires me to do scheduled direct deposits to a crummy savings account paying spit for interest. I've already found a CU online that pays 3% for a 12 month without strings attached and another that pays 4% for a 48 month... On top of an online bank that pays 2.25% for no fee savings. Must be the CHINESE or RUSSIAN Navy running THIS credit union!!!

Called NFCU to see if I could qualify for a mortgage loan through them. By the time I got ready to submit my documentation like my W-2's and paystubs and other forms needed in order to accurately qualify for a mortgage. The loan officer called me as I was ready to upload everything to tell me that my information was sent to the underwriter and that they didn't approve my loan. How is that even possible without having no type of information in your hand? I spoke with a coworker of mines and she said the same thing happened to her without any explanation. I really think that I should seek legal counsel cause you can’t tell me that it’s not discrimination. I even informed my realtor about what happened. She even said that was odd. Now I'm about to give my business to someone else that I don't have history with. It doesn't make sense.

If I could not give this company any stars it would be great for them to be affiliated with the military. They don’t take care of the military! They do not honor SCRA whatsoever! I sincerely hate this company!

2 weeks ago I visit your branch on Hampton Blvd in Norfolk, Virginia. There was two checks in my name that was cash at one of your branch by a third person. This was done while I was in the hospital. I went to the branch on Hampton Blvd to get help but no one would help me. I went to the police and they couldn’t help me without the branch of where the checks was cash. These checks I have been waiting for them just to find out someone else cash them and wrote my name on the back of the checks. I went to catch this person but the Navy Federal Credit Union won’t help me recover my funds and person who use the branch in my name. Plus I don’t have an account with Navy Federal Credit Union at all.

A company called WWW.TOTALAV.COM charged my debit card for $119.95 on 10/09/18, this transaction never happened in any way. I called over 30 times this past week and your representative I spoke to at the intro of everything turned everything around and cancelled my debit card, I was unsatisfied with that decision without him seeking my approval before doing that, that consequently led into something else and he froze my account, your representative froze my only bank account on a payday after my employer paid and that was last Friday.

This review is specifically about needing technical support for online banking. Every time I go into a branch everyone is fantastic. For a company as big as Navy Federal, technical support for online problems is the worst I have ever dealt with. I originally could not access my account through the desktop computer version. I called technical support to see if they could look into the problem. The representative stated that we needed to reset my password. I quickly learned that the only procedure the technical support knew is to reset a password.

This bank is not here for active, reserves, or vets!!! I have had a payment arrangement set up for my credit line to be paid. This pay period I decided to go with direct deposit from work since I have been getting paper checks. I looked in my account and the loans charge recovery department decided to take more than $1000 from my checking and post it to my credit line, WITHOUT MY PERMISSION. This is the 2nd time this has happened. Regardless of the amount this is happened 1 time too many. If I have a payment set up there should not be a reason why any amount other than specified and agreed upon should be taken out without notifying your members.

I needed an emergency loan and they gave it to me. I asked for more than I needed knowing how they counter offer... They gave me the entire $6k! I applied for the cc a year later with a 10k limit! Holy smokes they are too generous. I allowed my daughter to join and I recommend to join and never miss a payment. They totally take care of you.

Paid $500 for appraisal and home was valued at 426,000 and mind you I owe $250,000 and have good credit. The process was like pulling teeth, most of the time no responses to document submission, emails or phone calls. In fact my processor went on vacation for 2 weeks and never followed up nor did anyone else. Treated me as a nonentity. Now want me to do $10,000 for repairs that existed when I bought this home through them and it was perfectly fine to secure a $20,000 loan. RIDICULOUS. This was all found out by me calling them, they never notified me. Never experienced such a disinterested attitude in all my life.

Claims department tells me to submit a claim after receiving damaged bills from an ATM, and I do so, following the exact instructions I was given. Claims dept then sends me a message telling me essentially, "Not our fault. You fix it." Wow. This is "superior" customer service from a credit union? I have been treated better by the big banks in the past. This is just really, really disappointing.

We were not approved for mortgage refinance due to recent law requiring 6 month waiting period unless borrowing at higher than original loan amount via VA. I asked for a refund of $36. Answer: No. I told her that NFCU should have known the law before running our credit info and charging us a fee for something we could not obtain even though our credit itself was fine. So we have another hit on our credit and paid NFCU $36 receiving NOTHING in return. NFCU just lost any future vehicle and mortgage loans with us.

I went to the bank to cover some transactions from the weekend that made my account overdrawn. When I get there the line is super long with three windows open. I was on my way to work so I ask the person working upfront if I go put this money in the ATM to cover my overdraft will I still acquire overdraft fees. He tells me, "No as long as you have cash." So going off of that information I deposit the money into the ATM and check the next day and I'm hit with 60 dollars of overdraft fees.

So I decided to go with Navy Federal Credit Union for my VA Home Loan because they were offering a great mortgage rate (beating my old standby USAA by about 0.5%). After getting approved I decided to look at some of the online reviews for NFCU. Much to my dismay, the reviews posted online (this website in particular) were overwhelmingly negative. This caused me to look at other lenders, however, NFCU had the best rate I could find. So I decided to roll the dice and stick with them.

I am a Navy veteran but did not join when on active duty. When they started accepting veterans, I joined and got a Visa card. I agreed to do everything online. When a Visa statement was available, I was to get an email. I have checked my profile, and my email is correct. I get plenty of junk emails from them promoting things. In a little over a year, they have failed three times to notify me when a statement is available. One of those times resulted in a late charge. The other two, I found by going to the website, which I should NOT have to do. They seem to be uninterested in doing anything. I am reluctantly looking for another credit union to join so I can leave NFCU.

I don't know where these negative reviews are coming from. I've been with NFCU since I was a young sailor stationed in Italy 38 years ago. Customer Service is excellent. Products are excellent. I do ALL my banking, saving, and investing with them. Never had to wait more than 3 minutes on the phone for service. Products are excellent. I have my mortgage through them as well as two IRAs, Certificates of Deposit, savings, checking, money market... NEVER had an issue. Loyalty goes both ways with NFCU.

Truly wish I had read these reviews first and not applied for an equity line with NF!!! Never, in the 30 plus years I've had mortgages have I experienced this level of negligence, lack of due diligence, or basic communication. It's clear that the overall attitude is 'it's not my job', or it doesn't affect me so I'm not going to do anything about it, reigns supreme.

On 8/18/19 when going to start a business acct I encountered rep: E. R.(I won’t blast her full name for confidentiality purposes — I will do her that favor) at Cameron, NC site. As soon as she called me, (before I confirmed my transaction type), she asked for ID. I gladly gave it to her although I’d never had to show my ID at previous visits. My account balance is pretty high and at first she acted in disbelief that my transaction was legit. Furthermore, she acted as if she didn’t want to help me, & gave minimal help when I asked questions during the process. She was more friendly with the next patrons she called, after me.

I have had a credit card with this company for over two years without any late payments within the last 6 months. Within themselves they have reported me late and each time it has been for a dollar to $3 short of the payment because I guess whoever processed it did not process it for the correct amount which caused a $20 charge at least four different times. I tried to talk to several supervisors that have these charges removed and they refused so as of today I am riding the Better Business Bureau because this is some kind of Consumer Fraud. You don't tell me the right amount to pay so I owe your bank $20 each time because I made the payment over the phone. Just sad.

I have been a loyal member of NFCU since I first enlisted in the Marine 10 years ago, and I honestly felt that being a member at NFCU is a special privilege for those who served. However, I recently lost $4,500 to an online fraud that have really devastated my family. This is result of someone gaining access to my NFCU account and transfer $4,500 from my checking to an external account claimed to be under my name. Despite NFCU knowing the external account does not belong to me, NFCU is holding me accountable, and is only willing to request the return of fund from Bank of America. The account does not belong to me and the fund transferred to that external account is long gone.

If I can give this bank zero stars I would. First we went to talk to a mortgage representative who was rude when we told her we wanted the 30 year fixed rate and zero downpayment. We knew from beforehand talking from talking to an earlier representative this was possible. She started telling us we would have to pay 18k in downpayment not including 10k for closing cost. When we asked her to explain she ignored us and kept pestering us to pick a plan without actually explaining. Finally we left to another bank representative. At this point we found someone to help us.

I applied for a home equity loan with Navy Federal Credit Union. Being a veteran, I figured they would have better rates and would take good care of me. Stupid me!!! My wife and I have excellent credit, and a lot of equity so this should have been simple. The AVM that the credit union uses lowballed my appraisal so they were going to force me to pay anywhere between $450 and $500 for a full appraisal. They told me three different prices with the loan process.

When applying online, In which you must considering there aren't any mortgage loan officers inside of the actual branches here in Georgia, the process is hell. It takes them about 72 hours or more to acknowledge your online application, and another 48 hours to assign it to a loan officer. During my process I worked with Deneen ** (now ** I believe) **. What a complete disappointment. She was non responsive to emails or phone calls. She did not show up for our arranged meeting and told me that she would have to reschedule.

I believe NFCU is just crooked. The rules of processing change depending on the day of the week or what rep answers your call. And they aren't willing to listen. Not people friendly. Not for the people by any means. They find every way possible to charge fees and are unwilling to even accommodate a one time courtesy adjustment. Ex: I have a direct deposit that hits the 15th & last day of the month every month. Deposit in question is for 7/31.

I've cashed the exact same type of paycheck from the same company for over a year at Navy Federal, it has always cleared with no problem and now suddenly there has been a 3 day hold on all of my checks. The first time it happened I was not told by the woman at the drive through until after I deposited my check. So ever since I've gone inside to deposit my check and asked the teller about the hold, 3 times in a row I got a male teller and they waived the hold with no problem explaining to me that it is up to teller discretion whether or not to waive the hold and that all the teller has to do is look and see that my check has not bounce and there has been no suspicious activity. Well this last time I went in and got a woman teller again, she refused to waived the hold then proceeded to lie to me and say that they aren't allowed to waive holds. I told her they've waived it before and she lied again saying they can't waive it more than once.

Just wanted to my compliments to your staff at the Marron St, Carlsbad location. Your representative Ms. ** was a joy to interact with. While my business was pedestrian in nature, she treated me with great verve and professional talent. My experience was both uplifting and rewarding. I only wish other social businesses would observe such performance. I understand this little bit of, pay it forward, fluff doesn't always show up on the big radar of corporate. Nevertheless... I just wanted to testify. Kudos, to your personnel and again to Ms. **... she is very deserving of high praise. Thanks.

I used Navy Federal for the biggest loan of my life a mortgage and it was a mistake. You would think they would have their stuff together and be great at VA loans but not at all. They were asking for documents the day of my closing. Then they promised me I could buy down my interest rate the day I closed. I even told them I wanted by my interest rate down if I was within 1500.00 when I closed. When I closed I was 300$ from being able to buy down 1 point. They screwed up and didn't do it and then they tried to fix it after. They said all documents would need to be resigned by me and the seller.

I paid for my husband and I to eat at a small restaurant and the girl that swiped my card had swiped it a couple times because she said the card wasn’t going through after the second or third swipe it went through. I signed the receipt and left. A couple days later I noticed on my bank account that the restaurant charged me 3 times when I should have been charged once. I called the bank to let them know and as I spoke to a woman it kinda seemed like she didn’t really believe me but I told her it makes no sense why I would eat at the same place 3 times in one day!

I’m a veteran who opened account because I was told this was a good bank. Boy was I wrong! I have never been able to use the account. Now I am being told that the account was closed a month ago. Mind you I have received no notice of this in the mail and I actually received a statement from them last month! I am currently sitting in a branch. They can see where the account was closed and there has been no check issued to me returning my funds but they don’t know where the money is! HOW?! That doesn’t even make sense. I have been here for almost an hour and I am on hold in the phone and have been for a long time now. I’m just getting the runaround which seems to be the norm for them. Do not use this bank. RUN! They will take your money and leave you high & dry! I have a terrible feeling that I will be leaving without my money today.

Just spent the last 30 minutes attempting to verify my account after representative decide to put a security alert because she heard me on speakerphone with my son on the previous call. After requesting to speak to a supervisor he began to make me start from the beginning with his additional questions! Horrible customer service and have had my accounts for over 15 years!!! Out of disbelief I actually started to record the conversation!

I have been with Navy Federal for 25 years. I have always felt that there was some fraud going on because it always seemed as if money was surreptitiously being taken out of my account. In June 2018 I deducted every amount that I spent from my initial monthly deposit and I came up 150.00 short. I noticed this when I realized an item seemed to be deducted from my checking twice. When I told NavFed, I received sarcastic nasty answers from the clerk, and being a vet with PTSD I served it right back. I sent an email to them (NavFed) and they stated go to the nearest bank. Why? Then they stated that they would send me statements in PDF files and to let them know what the discrepancy was. WHY? I told you what it was and what I did. You could do the same thing just as easily. I subtracted all of the items from my account.

I have had 8 years to finally come out of the fog that I have been living in. Eight years ago I had to go through trying to save my 26 year old daughter from drugs, we got behind our mortgage, for 33 years we were never behind paying our mortgage, at the time all I could think of was saving my baby! My daughter died in 2010. I then tried to get back on track with our mortgage and try to save our home, especially for my son. When I called to get help the women I spoke with just laughed and said even if I tried to pay I would lose my home anyway.

Have been fighting almost a year to receive my money that was taken out of my account by Stg Auto Chrysler and Santa Ana. It seems I jumped out of the frying pan into the fire. These companies have taken everything. Chrysler wiped my account out. Chrysler lies and say they didn’t and the proof is there. Stg Auto refuses to pay back what they took. It had no reason to take credit card payments. I didn’t even own a credit card. No security alert. No call for unusual activity. Nephi Navy dropped the ball. While I’m fighting another 500 comes through. No mention of all of these charges. I’m finding out by different representatives as well as different rules. When does it ever become OK to lose your money and be told it’s too late or it’s been too long. I give a damn if it’s been one day before Jesus returns if I didn’t authorize it if it wasn’t my doing and if it was my money and I didn’t spend it it’s due to me.

Navy Federal Credit Union you should be ashamed of yourselves. So this is how you treat families of our service men and women. I've been dealing with these people for over 2 months now. All they did was put me off, keep me on the phone for hours, make me fax forms over and over again. They told me my check went out 5/31. Today I find out nothing went out, nothing was in my file. So I said, "You guys basically just lied." She said, "Yes." This is totally UNACCEPTABLE. I will continue posting, filing complaints everywhere I can.

This credit union is completely incompetent at sending international bank transfers. They cannot seem to comprehend that other countries do not have things like postal codes. They need to hire people with some international experience so they can better understand how to do business globally.

I applied for membership at NFCU 6 months ago. I opened a savings account and deposited money in the account. I then received a credit card from the company but was never given access to the card because the account was restricted. They asked for verifying documents of my address and identity which I complied with. Never heard a response back from them. I had to chase them down and asked the status. They told me to drive to a branch location (nearest was 2 hours away) to provide the supporting documentation.

Navy Federal Credit Union has worse customer service than NetSpend, my wallet was stolen. I filed a police report and fraud claim on charges that were on my card. For three days I called and they did nothing, mind you I had already been into the bank and she did not tell me that they had frozen my account. She just gave me a new card and said it would be ready to use. I tried to go to the gas station and found out I couldn’t do anything with my account via debit card or in the branch.

What a lousy organization. $1 Charge to withdraw money even from their own atms. 5 day hold on checks deposited. Others at least release 10%. Staff doesn't seem to care. Why do business with this organization? Not me. Average rating 2 stars well deserved if not less!

Today was launch of new system. I can't get in to view account details and balance. After updating with new password, screen is blank and because it is after hours there is no one to help. New system should have been thoroughly tested before implementation and there should be extended customer service for implementation period (at least a few days)...apparently neither so that the type of customer service to expect. Other negative review about 30+ minute hold times support my opinion.

The reason is they are a terrible credit union! I will tell you that they do not know what they are doing. They approved my mom's check I deposit on the mobile app. My mom forgot to sign it, I did not catch it so two days later on they just froze everything. I was really upset I called the security of the bank. They said, "We cannot unfreeze your account for five days!" A weird lady started asking me, "Oh you have too much money going out of your account!" She was asking me questions that did not pertain to the check. I was upset. I went to the bank to try to close my account and they said my account is frozen. I was upset I started cussing and I am 100% disabled Veteran. I am manic depressive disorder.

I regret opening my bank account here because of the problems me and my wife have encountered when we have to service our account. Maybe you will be lucky and not have any issues, but anytime I go into the local branch every worker there has an attitude and gives the general feeling of not wanting to work there. What's worse is when I come to them with my issue they correct me as if I caused the problem. If that's not an example of poor customer service I challenge you to find worse. I tend to be an understanding guy, but screw the idiots at this bank and branch. Even Wells Fargo wasn't this bad.

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.

Initially I had tried to work with Navy Federal to lower my credit card interest rate from the 19% it's at now but the manager at the branch that I went to told me that they could not help me. After a year I'm still unable to get the rate lowered. Two days ago I went into a different branch to make a payment on my credit card and today I get a notice that I'm delinquent. When I called the number in the e-mail they told me that the branch destroyed my check because they did not accept my identification; I guess my access code and password are not acceptable when making a payment.

In their description of overdraft protection transactions less than or equaling $5 would not incur the $20.00 "service" fee... What a lying crock! They had a new accounts promotion at the V.A. hospital in Los Angeles… neglecting to inform the vets that the nearest branch was 400+ miles away! I was charged $20 each for $2, $3 etc totaling less than $5 in a 24 hour period. Usury laws have gone the way of habeas corpus, posse comitatus, and our civil rights in general. Corporate America has declared "open season" on the public.

I was buying a home and the first red flag should have been when the loan officer told me he didn't want to start the process to lock in my rate until after inspection because processing a loan is "a lot of work"... That's your job. Secondly, once we knew the closing date, turns out I was going to be overseas. I called and the loan officer confirmed that my agent could be my power of attorney to approve closing costs and close for me. He even went to a supervisor who concurred it was ok. I get a Power of Attorney and submit it asap.

Ok so I have been with NFCU for almost a year. When I first open a account through them I applied for a credit card and was turned down 3 times after I sent 3 reconsideration letters via message online. Ok so weeks roll by. When they call to setup my account I told the woman on the phone what happen and she had me apply again and miraculously a few hours later I receive a message saying I was approved for a $1000 credit line.

I just recently moved to El Paso Texas. Went to a business and they took my cashier’s check and gave me no service. About an hour ago a security officer called me, because I made many attempts to get my stolen money back. The CSR's are extremely rude and lazy. This has been my credit union for twenty years. This place is sinking downhill and seems to have financial issues. The institution seems to be finding ways to rip people off in any way they know how. It is not ethical, to allow a customer to be ignored. Signed Navy Veteran who fought in a war. Thank You Navy Federal Credit Union for making me feel unappreciated. Now that's customer service...

I called Navy Federal because online it was showing a late payment on my account. The late payment showed that I owed for 2 payments instead of the one that I originally owed. I called customer service and they stated that they show 2 payments down on your account whenever you are just one day late. I told her that it did not give that explanation online. After stating this, the Representative obviously got annoyed with me and stated, "Can I help you with anything else?" I told her that she can get a supervisor due to her being very short with me. She asked, "May I place you on hold?" I told her, "No. Please get a supervisor." She stated that, "I am finished with this call." And just held the phone. I called her an idiot and she stated that I can not speak to a supervisor and hung up. I just want an explanation that makes sense. She was very rude and should not be speaking to customers at all. I am very upset with Navy Federal.

I am very satisfied with the service and quick update of all transaction on my accounts. The transfer of fund from one account to my children is amazing.

I have been with NFCU for over 10 years. I love the customer service, their security and the fact that it doesn't cost me anything to bank with them.

When my husband died 22 years ago, our account was with NFCU. I have had no problems with the credit union and have gone in for personal assistance on more than one occasion. Have always received outstanding service and information.

If you can get a membership, it is well worth it. Online banking is the best, and ATM's are all over the country. Great rates on all types of loans... can't be beat.

Sends text messages whenever there are extraordinary charges or fraud so I can call and either explain my purchases or tell them I am not in Kansas at a hotel. Very vigilant at this!

The absolute best experience we've had with Navy Federal Credit Union has been refinancing our mortgage. Before that, we had been bounced around to 3 other banks as our mortgage was bought and sold repeatedly. We were fed up with that and refinanced with NFCU. Their promise: They will never sell our mortgage, ever. Nor do we get the constant stream of spam mail dealing with the other banks always brought. They've been dependable, reliable and always courteous both in person and over the phone. Very happy we are with them.

I have my payment submitted. Paying a credit balance to $0.00 but it takes them up to 72 hours to process payment. When I called to see if they could temporarily raise the limit so I could finish my purchase while still taking advantage of the incentives I get for using their financial institution, they were less than willing. Way to lose a customer on something so simple. I can go find a credit card company that wants to work with their customers who regularly keep a $0.00 balance on their cards because they pay them off within a month. It could have been so simple to retain a customer/member. But instead you wanted to suggest that I wait a "couple more days" and sit on the floor while I wait for you to get your ducks in a row. No thanks. I have the cash.

My husband and I initially tried to use Navy Federal to buy a house back in 2015. We got such a runaround and such poor service that I'm not sure why we started trying to use them again now for a home refinance, other than that they offer more generous terms than many others. Well, still a mistake. The underwriting process was going fine until the home appraisal. The appraisal came in laughably low, which caused us to look into what was going on. Turned out that the appraiser was a trainee. So we started the appeal process with the underwriting department. It felt a little bit like that conversation from Idiocracy about plants and electrolytes. We would give them an appeal, they would return it and say, "You can't talk about X in your letter." We would say, "We didn't." They would say, "You did." And we would say, "Where in the letter do you see this?" Silence. Brawndo's got what plants crave.

If I could give it a zero star I would, that's how pissed off I am at this ** bank. Calling to get something resolve is like talking to a ** wall. Everyone I call to speak to someone in customer service it always leads to nothing getting fix. They treat their customer so poorly when stuff happens. There's so much I could say about this bank but I'm not going to waste anymore of my time to.

Unbelievably incompetent: screwed up wire transfers, failed to send wire transfers and did not inform me, and froze accounts with no notice or explanation while I was overseas. YOU CANNOT SPEAK TO A HUMAN BEING so you have to call multiple times through the computer system, and then re-explain your problem each time to a new person. Finally, had HAD IT and closed my accounts, which the bank re-opened without my permission or telling me, and began accepting deposits into an account for which I no longer had access. NEVER SEEN such horrible practices -- and it's obvious that management and leadership DO NOT CARE. I over the years had over $1M there and couldn't even get anyone to address the problems. Or even return a phone call.

The Office in San Diego Cal 92117, they gave me false information about getting a new Debit Card. I asked for a manager and the manager continued to give me wrong information about receiving a new debit card. I then called the phone customer service and a women named Jacklyn said I would receive my new debit card the next day by Federal Express. They said it would be a duplicate to the one I had. It never came. I went to the San Diego Office 92117 and asked about the issue. They said, "For the information but you can not receive a duplicate card". The office did not care about resolving the situation. I was upset and told them why are they lying to me. This went on for 4 days.

Approximately twenty years ago as a retired Navy Chief having successfully raised two, retired with 5 Navy Achievement Medals, 1 Navy Commendation Medal and a Meritorious Mast from the USMC when comms was lost I took over the rescue of the USS Vancouver's AAVs in Operation Sea Angel off Bangladesh; I had a twenty something try to educate me on handling my financial affairs. I moved my money, leaving $100 in my acct, to NICU where I still bank today. I only maintained the use of my NFCU Visa ever since. I have tried to register to access my Visa Acct online several times over the years and have always had something blocking me from doing so. In real life there is a statute of limitations but for this notice which I found out was supposedly an outstanding check (which I never wrote) it's apparently been twenty years and they're still pursuing it. The one thing that NFCU excels in is growth, but don't expect Customer Service.

I began the process of refinancing my existing mortgage with Navy in April 2017. The trail of tears is as follows: Ran a preliminary analysis and quoted me 3.25 + 0 points. Received preliminary approval 3.25 + 5.0% points. Said rate change because I was in their B class due to FICO score (below 720—barely). I told them did they want to believe the FICO or the fact that I had 3 loans with them always paid as agreed. They said it did not matter. Members and Off the Street—same. After arguing and me escalating the matter up the chain, I was offered 3.5 + 0.5% points. I said OK and gave them permission to order $625 appraisal per preliminary closing statement. Appraisal came in lower than expected (surprise..! All appraiser are writing conservative values). Their new offer 4.25% on a 3-year ARM. I am currently paying 4.25% for 30 year fixed loan.

Worst experience of my life, almost worse than boot camp. Customer service non-existent and a high degree of loan officer incompetence. Loan date made incorrect to begin with and told by my loan officer Deanna ** that I need to apply for new interest rate on behalf of her error. From then on, everything that could go wrong went wrong, up to the day I closed. I am still waiting on credits to my account. Please, use anyone but Navy Federal for your home loan, you have been warned!

Long story short: Opened an account online Apr 24, 2017 and funded with $50 via debit card from Chase. Accessed the account online ok. Two hours later the account was locked. Called and was told I was not eligible - fine - they would mail a refund check to the address of record. Waited 30 days, no check. Now I am told there is a security issue, and I need to go to a branch, which is 30 miles away. Thanks for communicating so well. Little do they know they missed out on two substantial trust accounts. They're not crooks, just lazy.

I have been a victim of chip card cloning twice in the past 4 months. Physical copies of my card were made and purchases of thousands of dollars were allowed to go through in several different states and even in the UK in a matter of minutes without being detected by their fraud department. Federal regulations prevent banks from holding you financially responsible for fraudulent purchases but Navy Federal has found a way to draw out the process as long as humanly possible. When the purchases are made they go into a pending status which affects your available balance. At this point Navy Federal will not do anything until the charges actually clear which can take two to five business days depending on the merchant. You then must submit a fraud claim to them which will take another two to five business days.

My father decide to change banks cause it was military and no more withdrawal charges. He switched 1stNB to Navy Federal Credit Union. He is on a fixed income as well as myself. I have had Six Back surgery myself. Okay my dad is getting ready to have Heart surgery sometime next month. On April 7, 17 he had to do some final testing so he ask me to hold on to his Debit card. I said yes as long as he put his pin number on it. I have a lost of memory that's why I told him to put it on his card.

I applied for membership on 4/11/17 after being told by NAVY membership dept. on phone I am eligible in many ways. I applied provided every document known to man received receipt acknowledging documents received. Waited until 4/20, called to follow up, was told needed a few days to review. On 4/26 I received an email welcoming me but not providing any details or account information. I received my Credit Bureau report for 2 hard pulls and another report stating account created as I am an OPM identity theft victim with excellent credit, heavily monitored. Today on 4/27/17 I received an email stating I'm not eligible and to forward this same documentation to them again by the same department. I responded stating already completed, account open.

Long story short, I had a very high credit limit of which I only used up 1/3 of my limit. Was paying my credit card on time, never late and always paid more than the minimum. Then they choose to close my account because they couldn't get a hold of me. Yes that's correct; they couldn't get a hold of me so they chose to close my account entirely. I had taken out loans that I paid before the due dates. I had a savings account with them and now I want nothing to do with them. I will never use them again. Ever.

I originally applied on 3/27/17 via the website to Navy Federal Credit Union to become a member due to my wife being a part of this credit union. I Sent over all of the required documents that was needed to process my new membership with Navy Federal Credit Union. A week had gone by and I didn't receive a response so I called and sent an email via their website. I didn't get anywhere with that so I've spoken to several representative and still no membership and it's now 4/13/17. It's very frustrating when this credit union is rated #1. I really don't understand how? It's now 4/13/17 and I still am not a member due to my information not being accepted per the security department EVERY rep conversation is when I speak with someone.

Joining was a hassle since I didn't live near a branch so I joined online at which point they screwed up my paperwork and placed a hard hit on my credit report lowering my score. After this was all straightened out I asked about the CD they advertised on their site claiming a 3% interest rate and was told that I would receive that rate so I took $3,000 and funded it to the maximum allowed amount. Three days later the CD showed up but was only 1% interest which is the old classic switch and bait fraud car dealers used to use. I didn't make a fuss because I was hope to get help in a home mortgage through them and when they prequalified me in the letter they gave me a limit of $259,660 so I applied.

Have been harassed from NFCU for the past 7 months. In August 2016 I refinanced my vehicle with NFCU when they had a promotion going on (low interest and $200 into account). I didn't have an account with NFCU previously, so I had to fill out all of the membership paperwork in order to open an account and deposit $25 in order to qualify for this financing promotion. Once that was complete, I was able to successfully refinance my vehicle. The payments for the vehicle were set up on a direct draft from my actual checking account so I didn't have to mess with anything. A short time after, I received a promotion and moved to Alaska.

I've had NFCU for years and never had a problem until I ran into financial issues. Unfortunately, I had credit cards, auto loan and personal loan with the bank which is the worst mistake ever. PLEASE DO NOT GET MORE THAN ONE ACCT with any bank. Nowadays they have it set up that they will take funds out of any account to pay for past due accounts or balances. They say to call and schedule an appointment to have payments made but that isn't honored because their automated system automatically takes the money out the account and there's nothing their customer service can do about it.

I noticed that money I had deposited last month for personal reasons, in my daughter's account was completely depleted, then a certain amount returned to the account without Navy Federal notifying me. When I called, the wonderful customer service staff that placed me on hold to figure out the problem from 12pm-8pm between 5 different representatives. Everyone was clueless. By 8 p.m. they finally found out that the other joint owner on the account withdrew all the funds, then replenish a small amount before closing all his accounts with the institution.

Put in a auto loan application couple month ago and I was declined, the services representative in Cherry Hill, New Jersey, told me to try again in couple month, that I did Feb 25, 2017, And my application was declined again and my credit score is better than last year. Thing is why I don't understand I had two auto loan in the past with Navy Federal Credit Union and I paid off in 2015 and 2016, I was never late, and I had two personal loan with them also and I paid off the loan. How can Navy Federal Credit rate me no limited credit experience, bankruptcy that it is 10 years old, high revolving credit and slow payment etc... And then this is last year made a $4000 personal loan and I was approved but they won't approve my auto loan.

Navy Federal and no other, you are in for a NIGHTMARE! NFCU was recommended to me by family and coming from military lineage it seemed like some kind of benefit or was earned in some way. I applied and easily opened a free checking account which I had never experienced before and a min. savings account was required.

Do NOT bank with Navy Federal Credit Union! I had put $310.00 to transfer to my husband's ex-wife for child support. I was late one day on my credit card payment and they automatically transferred the whole amount onto my credit card balance. When I had called to get it reversed, the representative stated, "It's out of their hands because I was late for my credit card payment. Any money that would be deposited in the account would be automatically transferred over." Mind you, I did not give any consent to do this transaction. So, not only have they put my husband at risk for going to jail for not paying child support, but now my stepson will not have any support whatsoever this half of the month! The representative had no answers, wasn't willing to make a payment arrangement, wasn't helpful at all! So do yourself a favor and NEVER, I repeat, NEVER bank with Navy Federal Credit Union!!! Worst Bank EVER!

I have a credit card, checking account and savings account with Navy Federal. I also opened a savings account for my 3 kids. They automatically take money out of my checkings to pay my credit card without my permission if I'm behind. Even the little bit of child support that I do get when he finally decides to pay something. They told me that they have the right to do that and they can also take money from my children's savings as well. I stopped my direct deposits from going there because of this. Looks as if I'm not the only one with this issue. Sounds like a class action may come of this. I used to be a satisfied member, but not anymore.

My daughter and son had issues with settlement on their home in Aug 2015 due to Navy Federal dropping the ball on due date for settlement. Was told they would be compensated NEVER happened. Now one and half years later they get a letter stating mortgage payment going up $400 per month!! Who can afford that?? Why wasn't escrow taking enough money out for a shortage? Have owned several homes and NEVER had a payment go up this high!!! Poor very poor customer service and support! !! Only gave 1 star since I had to. NEVER use them. 2nd time Navy Federal has not given good service.

Recommend you allow reviews to have Zero Star option. Irrelevant perhaps, to this complaint but telling on the Ranks and records of the NFCU Board. I start by saying that I am a Disabled Vet as the result of a Ship's CO ordering me to expose myself to Ionizing Radiation and instigating a cover up. This event crippled me with Malignant Ependymoma Cancer to my spine and Malignant Soft Tissue Sarcoma Cancer. I Apologize, I just feel the board and employees treats their customers as Squids. I was rank of Commander when I could no longer work and was drummed out.

This bank has failed in every humanly possibly way. They literally can't even notarize something correctly. Seriously, everything has been a nightmare with them. My husband was in Germany for training, along with hundreds of other soldiers. Their debit cards were cancelled while they were over there. Navy Federal sent out chipped debit cards after they left for training, and there was apparently some type of deadline for activating these new cards (which was apparently emailed), and the old cards would be deactivated. Sure enough, all of these soldiers in Germany (who did not have access to email at the time), and I'm sure Iraq, Afghanistan and everywhere else overseas, their cards were deactivated. Imagine that for a moment. A bank that serves the military community, not even taking in to consideration our men and women, serving overseas, who did not have access to email.

On April 28 2016 Navy Federal withdrew my car payment without my authorization from my bank account because I was two day late. When I call them to ask why they did it they told me they can do that with no other explanation even though I was still in my grace period to pay the car. I did not have automatic payment and I did not sign any paperwork for them to withdraw any car payment.

Been a member for 24 years and used NFCU for a mortgage. Biggest mistake ever. They failed to order the appraisal which delayed the closing of our home, and this happened twice even after appraisal was "rushed". Their lack of execution cost almost cost me the sale. This is not the organization it used to be. I will be moving over to USAA. Caveat emptor.

On Jan. 10th I drove through drive thru to make a deposit. Like normal, I put all my info and deposit in the machine. I had send it and like usual, I pressed the talk to agent or representative. I waited like 7 min., I heard nothing, pressed it again, then I get this rude response; "I'm helping someone else right now, I'll help you when I'm done." I said, "it's fine. I just wanted to make sure someone was there and received my info and deposit. I was here waiting and no had at least let me know that they had received my stuff." The lady was rude. Next time I'll call the 800 number and try to contact their supervisor while I wait. See if they like that!

I deposited a check for $300 drawn off of a Wells Fargo bank account on Monday 01/02/17 at the automated teller in Eastlake, CA. The bank's security dept placed a hold on the check and have now locked my account for 5 business days. I called and was told that the check was flagged as suspicious, and that the system is very rarely wrong. The person I talked to said she had never seen it be wrong before. Yesterday, Wednesday 01/04/17 I went to Wells Fargo bank with the account holder that wrote the check. We were informed that the funds had been released to Navy Federal and that the check had cleared. When I contacted Navy Federal earlier this morning, Thursday, 01/05/17 I was told by the bank’s rep that Wells Fargo doesn't give information about cleared checks and that my account would be locked until next Tuesday, 01/10/17.

Been a NFCU customer for a little over year. I have a platinum credit card with them plus I had 3 car loans and everything has been paid on time and in most cases I paid more than what was due and before it was due. I was turned down for an auto refinance on 12/29/16 that was approved by USAA. I figured I would see if NFCU could give me a better rate so you can imagine how surprised I was when I was turned down. I called and asked to speak with a NFCU manager and was put through to Henry at the Winchester office. Henry looked at my credit with NFCU and agreed that my credit standing with NFCU was outstanding with no blemishes.

I applied Nov 1st for our loan with the Navy Federal Credit Union. The VERY first thing I did was ask them if they can do this refinance in my husband's name "ONLY" even though he wasn't on title. I had issues with my credit and his was excellent, (750 score). I was very specific! The loan officer told me "Sure, that's not a problem, we can just add him to title later." I called 2 other local banks and they said the same thing. They said we'd be okay because we are married and we can show proof of him making the payments if necessary. "Both" of the other 2 banks offered a slightly better rate and lower costs but the NFC said they'd "match" the deal I got at the other bank (Dollar Bank in Ohio). So I decided to go with them because they were so much easier to deal with 2 previous car loans. And I was afraid the others would drag it out by requesting too many documents.

I have an unsecured loan with Navy Federal and did not make a payment in Nov because I consolidated my debts and payments were going to occur in Dec. So Navy Federal went into my account without any permission and stole 1400 from account. According to them they have the "authority" to go into your account anytime they want! This is the most abuse I have ever encountered with any financial institution. I regret ever banking with them and I won't make the same mistake ever again. Now I'm fighting to get my money since we are a week away from Christmas! As a vet I would discourage anyone from doing business with them because of how they violate their customers. Looking into legal action.

Navy Federal contacted me and apologized for what happened. I can honestly say they did a great job with the way they fixed things.

I wanted to use my credit union for a VA mortgage and thought since they do many military transactions, it would be the best choice. Man, was I wrong! It was the worst experience of my entire home purchasing life, and there have been a number to compare this too. First off, the loan officer who was handling my paperwork was out of their Scripps Ranch, CA office and I had to initiate contact with her every time. The only way I received a response was sending a message through the secure system, as she never answered the phone when called. The first return contact I had from that office was when an assistant to her called and regurgitated everything I had already provided and simply wasted time. I clearly explained we were on a timetable to purchase a new home and that time was of the essence. Not to them it seems.

I never had any bad experiences until recently. I went in for a loan and after everything the man helping me literally laughed and went to tell the other people how bad my credit was. Then I tried to deposit my check via mobile deposit, at the ATM and at the teller and each time only $200 was available until anywhere from 1-7 business days when the rest would show up. So if you value your money bank elsewhere! I plan on switching to USAA as soon as I can.

I banked with Navy Federal for 6 months. They ran credit applications on my name without my consent. I got quoted up to two times for Auto loans within a 5 day span. I feel the representatives have a lack of knowledge in their field and the matter should be resolved by Navy Federal Credit Union; known by consumers.

I took out a personal loan with Navy Federal, which I monitor constantly on my personal computer. I noticed Navy Federal will increase the posted balance on my account without my consent and tell me that it was never changed. I know they were not telling me the truth because also write my account balances down at my residence. Also on one instance that I (noticed) I deposited one hundred dollars in both my savings and checking accounts at the same time and in one account my balance increased by one hundred dollars and in the other account my balance showed an increase by ninety-five dollars, so I went inside to tell the manager. I was then told five dollars was subtracted for a initiation fee, even though my account was opened years ago. I don't think this is the first time money was taken out of my account or added to my bills without my consent...

Run... Run far away. I have been a NFCU customer since 1992. I love banking at this credit union. Mortgages and business accounts I guess are just not their thing. I spent 3 months fighting to get a VA loan from these guys. I asked for a complete list of everything they would need so I could start hunting stuff down. The same items were asked for several times and the list just kept growing. One more thing... one more thing... and just when I thought we were done... one more thing. They gave ridiculous estimates for closing costs, $17,500 tried to make the seller pay my funding fee without telling anyone. Communication broke down several times. Demanded I sign a loan disclosure that was total fiction. The last straw was some manager tried to get all stern with me in an e-mail and tell me how things were going to happen. I was so sick to my stomach when I had to drop them and go to another Mortgage company.

I been a customer of Navy Federal for about 7 months. In the beginning everything was okay but for the past 4 months my account has been overdrawn plenty of times. So I started tracking my spending, and when I bring it to their attention every rep and supervisor say the same thing (the merchant doesn't take the money right away) pretty much stating that I’m spending more than I have. So I decided to withdraw my checks out my account just to see if I would have another overdraft. I checked my account and the next morning and it was 99 dollars overdrawn. I know for a fact something is going on and they are stealing money or someone is hacking into the system and stealing money but they don't care, just as long as it’s not their money being taken. I’m fixing to close this account and I will never do business with Navy Federal again and I will post about my experience every chance I get because they don't help to resolve nothing.

We started shopping around for VA mortgage Loans and since we've been members at Navy Fed for 6 years, naturally we considered them. Their rates and services are attractive, including an option to help cover closing costs and no origination fee. The initial step to get someone on the phone to take down answers for prep qualification was a breeze. The agent was lovely. We were to hear back from our loan officer the next business day and could have pre-approval in as little as 3 business days thereafter. But the positives end there. We PAID UP FRONT to have our credit run, which other banks didn't require us to do. We patiently waited for an agent to contact us but three days later, still nothing. On the fourth, fateful morning after my phone died and when I turned it on after charging, of course I had missed the agent's call. I called her back right away and I got voicemail.

My experience with NFCU was horrible. After two months of processing a refinance for my home they had not started it. After several attempts of contacting them requesting updates I finally discovered the process had not begun. I contacted three managers that assured me that they will take care of their oversight but yet nothing ever happened.

I paid my car loan online and noticed the next day that it did not post as usual. I went back in thinking that it did not go through so I paid again. I was charged twice. I called Navy Federal to have the second charge reimbursed, stating what happen. Although the agent was rude, he stated that it will be redeposited into my account in 3 to 5 business days.

I wanted a Navy Federal account to make it easier to transfer money to another person's Navy Fed account. I had began my application, but had recently moved to a new area, so I did not have all the documentation that I needed immediately. Every few days I would send in one of the documents they required and every few days I would receive an email asking me to "please submit another proof of address from the list below." I kept on sending the types of documents on the list, but they kept telling me they needed something from the list. The last document I sent in was my voter registration card. The emails they sent me told me that it would take about 2 days for them to review my documents.

I have been a member since 2004 and have enjoyed my service experience with Navy Federal credit union employees until today. I have never felt so insulted and betrayed over trying to have my flagship rewards points redeemed towards a cruise vacation that I had already booked and paid for. My initial call while I was.