Navy Federal Credit Union Reviews

Depending on who you talk to in customer service, you will get different stories. There is a serious need for training updates for these reps, they really don't understand their own policies. Went into the branch and it took the person at the branch a while to even figure out why the account was frozen to begin with. Then determined I need to provide a birth certificate to prove I am related to my sponsor who is my sister. Found out the certified birth certificate copy I have didn't have my parents name on it. Now, I have to pay to get another copy mailed to me and then take it into the branch to get my accounts frozen. This could take up to 4 weeks. I have no problem with proving proof of eligibility. But this practice needs to be corrected. 1. When you allow people to signup online or via the phone, let them know in advance what documentation they need to provide for proof. This is something I could have done a long time ago with no problem. 2. If you fail to ask or notify the customer that need to provide this proof, give them the courtesy of notifying them first and allowing a grace period to provide the information instead of automatically freezing their accounts with no notice or communication of any sort.

Good thing for us is that this is not our main bank account and it didn't cause much upset to our family. However, I can only imagine if this was our only source of money, this would be a huge issue to have accounts frozen with no access for possibly up to 4 weeks. I have seen several complaints about this practice of freezing the accounts with no warning with this company. This is extremely unfortunate as some people this could have a huge impact on their lives for things like food and gas. Unfortunately the complaints keep coming and it doesn't look like anything is being done. Bottom line is that there needs to be a notification sent out and a grace period given before accounts are frozen for any reason. And in my particular circumstance it should have never been frozen. All they had to do was request what they needed so that we can get it to them. Extremely angry and disappointed with Navy Federal Credit Union and after this is cleared up and we can get access to our funds, we will be moving our accounts to another credit union.

I go to an NFCU branch office on Avenues Way in Jacksonville Florida, and fill out the forms for each transaction. The lady there informs me that I should see the money back in my account in one to two days, seven at the most. This was on a Friday or Saturday. Almost positive it was a Friday. So I wait. Seven days pass and nothing. I call the 800 number and get told I filled out the wrong forms. The forms they gave me to fill out. So I get told that due to this being a Saturday, the people that can help me will not be in till Monday the 23rd of December.

I call back on Monday. I get told that the problem was being worked by the wrong department. It was for the fraud department and not the claims department. Oh, and by the way, we have to cancel your card. We will FedEx the replacement to you and you will have it between 8AM and 5PM the next day and to wait for it at home.

So, 7PM the next day (Christmas Eve) rolls around. I figure that it was running late because of Christmas eve. Wrong! I call Navy Fed and ask for the tracking number so I can get a hold of FedEx and see where the card is. I get told that since it was after noon that the order for a new card was placed I would not get the card until Thursday because of Christmas. So I ask the obvious question, "Why was I told it would be here if it wasn't?"

Now the bank is closed so I can't withdraw cash for gas because I waited for my new card that should have been delivered at any time. Now I get to go 4 years in a row not getting to see my kids for Christmas because I spent the last three in Japan, and wasn't allowed to take leave to see them on Christmas. I can't even order them flowers or bring them their gifts. Just a phone call, and another apology are what my kids are getting for Christmas.

When I asked to speak to his boss, he said no, not going to happen. And when I asked, "Aren't you suppose to be on my side?", he says no. I called back 8 times wanting to speak with this guy's boss. They keep transferring me back to this guy. I am done with Navy Fed. It's sad too because most people who work for Navy Fed does not bank with them. That should tell you something there. So be aware if you have fraud, they don't do crap to protect you.

Folks, here is what happened to your Navy Federal. They had made some questionable loans and so everyone had to pay. I used to see the Board of Directors was Lt. Col. so and so and Cmdr So AND SO. Now it's Berkshire Hathaway and USAA. The board of directors are a bunch of paid suits, not Navy Family. So I got a better rate through Quicken on a small home refi and found a more customer-orientated Credit Union. CU Hawaii arranged my car loan lower, and when I come in, they know my accounts. They call to help me avoid a bounced check if a business sends me rubber.

I keep a petty cash from my company account. If I ask, they will fix it on the phone. Needless to say, I did not contact the NFCU for years. Finally, I needed 5 temp checks since I no longer trust them. The checks never arrived. I called a month later, no checks. Two months later, no checks. Three months later, I get a note saying if these checks are used, you pay. I called a gal who reminded me of the old Navy Federal and she explained that the letter was poorly worded but if I used the checks, I would pay as they had been cancelled. Let me get this right. You knew they were lost in JULY and waited till Sept. to stop them. She transferred funds and was clear this was a one-time only favor. She did this because she could see I had not been served and no one made an effort but me to fix it.. So just know that the Navy Federal of the 1970's-90's is gone.

NFCU doesn't have a Better Business Bureau record? I wonder why? I called the NCUA and they seemed to see this as normal for Navy Fed and offered this advice. I could join another Credit Union and I did. So my advice is find a local credit Union who has a local Board of Directors with ties to its members. I don't know anyone in USAA. For years, only Officers could join. I don't know anyone at Berkshire Hathaway. I do know my local Directors and it is a relief to once again get personal service. I am a Marine and Civilians handle my money. The truth is well paid civilians who don't know you handle your NFCU account. We used to be Shipmates. I would like to see who the bad paper belongs to. I have asked for a breakdown. Perhaps 58-yr-old white M. Sgts. with excellent Credit are a bad risk? Perhaps Officers with maxxed out mortgages and Credit Cards are what they want so they can earn more interest. In any case, don't get upset like I did. Just take your money and join your local credit union. Oh and ours asks to be rated.

She said the teller did not have the authority to check the other account and what he told me was untrue and that they don't check funds on checks under a certain amount (like I already believed). She told me that it was only $2000 and that's not enough for them to check. Well, 1. I already expected that and wasn't trying to cash the check but took the teller's word for if. If I thought there was the risk of the check bouncing, I wouldn't have trusted him. Shouldn't have anyway; 2. Being told my money was only $2000. As far as I know, unless you're a millionaire or well off, 2k is a lot of money. But I guess to a bank with 4.3 billion dollars, that's a small amount.

After being insulted enough, I left and called the customer service line. The person I talked to on that line was very helpful and told me several things I could do to address the situation but I would have to talk to overdrawn accounts and they were closed for the day. I called them in the morning the next day and the very rude and sarcastic woman on the line told me that none of those options were true. I said that's what the customer service person told me and she said, "We're not customer service and they don't know what we do in this department". Now I'm no longer willing to be civil and said then what options do I have. The only options she have me was "You have to pay it all back in 30 days or it WILL be sent to collections" or I can apply for a loan to pay it.

Yeah, get a loan from a bank I can't trust to pay an amount that they should be responsible for and according to a member rep a small amount. I expressed my interest in closing my account of 31 years after this is settled and asked to speak to a supervisor. Well much to my expectation, the supervisor wasn't in yet, sure. Not even 3 minutes after I got off the phone, the lovely accounts rep I had just spoke with locked my checking account and stripped my mother's joint account to cover it. I had 30 days but I guess that means 3 minutes. Whatever reason she had, I don't care. I've been a member longer than that lady has even been alive but that's fine, treat me like crap.

I called customer assistance again to try to get the lock removed because they had their money now and again he was very helpful. I filed a formal complaint against account rep Ms. Attitude and the local branch. My mother went to her branch to find why they removed the money from her account without so much of a "screw you" and the person they called to talk to was, wait for it, li'l miss attitude. My mom has been a member for almost 40 years but she spoke to her like she was an idiot and was a complete sarcastic, malicious jerk. I cleared out my account and will be taking my business elsewhere. It's sad that one situation with two real bad people is ending an account that has been in existence for over 30 years.

Well I was able to get a hold of my husband sooner than I thought. We went through the documents and had questions. After calling my officer 4 times in one hour, I was finally able to get a hold of him through the 1800 number. I asked him questions and we were able to fill out papers and send them back immediately. I sent them to Mortgage docs.com and him. Now here is the kicker, ready? This SOB never opened up the docs to see if they were ok. He figured since I sent them the Mortgage docs that everything was ok. So the day before closing, he calls me and says to fax over all docs because he couldn't read them. WHAT? Why do you wait the day before closing to tell me this?

As I am on the phone with him he could tell in my tone I was irritated and very stressed and what does he do? He laughs and says "don't worry it’s going to be ok, we will get this straightened out." I said "first off I’m in this situation because you failed to do your job and number two, how dare you laugh at me or this sick situation you got me in." For someone who needed the document immediately you sure took your time opening them. So we didn't get our house on the 18th like we were supposed to.

Now let me say I have movers, U-Haul, everything advanced paid for, no refunds. And NFCU didn't seems to care that I would have no place to go at end of month because my landlord found another tenant already. Also this officer says in beginning of August, after he did not return calls or emails, he finally got a hold of me and says "Ok let’s hurry up and lock you into a APR rate. I have 30 other loans to do, so let’s get the ball rolling on this and get it over with." Are you kidding me?

This guys gave me 2 options of APR rates which I was not happy with. I asked questions which I could tell annoyed him and I found a better rate than what he offered me. Why not give me all options? Oh because you were in a hurry to get me off the phone to deal with the 30 other loans. Eventually his manager called and apologized about me not getting my house on time and I said I will have a house by Friday, or you and the officer won’t have a job next week.

My case got sent to Florida processing center and first question lady asked me was I need your husband statement of service. Huh? What’s that? Oh that's the very first document my officer should have asked for before approving us for the VA loan. In fact I asked officer 5 times if he had all documents he needed or should I try to get a hold of my husband. He said "I had everything." UGH.

After talking to the lady, who was amazing by the way, we were able to get the documents needed and needless to say my officer and his manager were no longer on the case. It was up to the processing department. And this lady was incredible. Returned calls, emails, had great communication skills. And I could tell she worked all day and night on my case. She called me Friday morning, told me to drive to Arizona where we purchased the house (I’m in California) and go get my keys. OH my gosh. I cried tears of joy. This representative was remarkable. She pulled it off and got us our house.

I will NEVER recommend NFCU to anyone ever, ever. A complete nightmare. Obviously the name does not speak for the company. They have no affiliation with the military. They have no clue what it is like to have a spouse deployed while you are taking care of stuff here at home. On my way to Arizona, a florists called me and said Navy Federal sent me flowers and the card read "With sincere apologizes, NFCU Mortgage Dept." What a joke. Flowers do not make up for the hell these people put me through. A complete nightmare. DO NOT GO WITH NFCU FOR YOUR MORTGAGE NEEDS.

They're a bit nasty and I'm so sorry I joined and as soon as the money turns up, I pray it does, it goes back to the bad bank I left for NFCU... These folks are just san and really terrible....DO NOT PUT ANY MONEY IN NAVY FEDERAL CREDIT UNION... JUST DON'T DO IT... or you'll be just like the rest of us, unhappy and looking for your stuff and customer service, which they say is what they're all about, that can fix problems or at least tell you where your money is. I won't tell anyone anything good about these folks and will send them elsewhere so they don't have to fix whatever the mess like I'm doing right now. I don't know if going to the office would be a better risk but it may be better for you... Think about it before ya do it.

The next morning I checked my account and noticed that my account wasn't correct. I contacted NFCU and was told that was the incorrect information and the last time to make the deposit was at 2:00 pm EST. and of course my check bounced. I had to clear that incident up because of the misinformation. Now today I called NFCU in reference to some information that I received today. I contacted NFCU about another check that was suppose to clear. I contacted them at 6:02 pm on 09/04/2013 and notified them that I was $5 short. One of the employees advised me that the check would be paid and a NSF would be charge to the account. When I contacted NFCU at 11:30 pm EST on 09/04/2013 I was advised that information was incorrect and my check would bounce. I advised the clerk to place the supervisor on the phone.

When I was spoke to the clerk and supervisor I wasn't rude at all. I advised the supervisor I was disappointed with them and I'm considering close all of my accounts and going to another bank. The supervisor advised me that there was nothing that could be done about the check. The supervisor advised me about overdraft protection. I advised the supervisor I was very dissatisfied with NFCU, and this was the second issue I had with them. The supervisor asked what could she do and I said let me get this straight if I was to deposit money in the account after the cut off time the check would have bounced any way. The supervisor answered "yes." I advised the supervisor I would speak very highly about NFCU, but now I don't have anything pleasant to say about them. After this incident I don't want to deal with them again.

My husband is a member there so I qualified under him. I was told that didn't qualify me either because of reasons they couldn't disclose when it clearly states that spouses are eligible to join the credit union. I had already started proceedings to get my paycheck direct deposited into an account that I no longer have access to despite them sending me bank statements, disclosure statements, applications to fill out and taking money from my Bank of America account to open the account. I also had a payment that was returned by Navy Federal because the account couldn't be drafted.

If I had known there was an issue, I could have made the payment from my Bank of America account where there was plenty of money to cover it. Now not only am I facing a late payment from the company where I sent the payment, but I am facing additional finance charges and fees. I am angry and disgusted with the way I was treated. If they did not want to honor the promotion, they should not have run it. I turned them in to the Better Business Bureau and the Department of Financial Services. Even if this is resolved and they do honor the agreement, they will not get one dime of my money EVER. After reading some of the horror stories on here, this may be a blessing in disguise.

I finally worked out a deal with NFCU to a reduced rate of 4% for 6 months if I agreed to sign up for auto pay. I took out a thrift savings loan and paid $850 for visa and $775 for master cards as a good faith effort. Several days later, I tried to use the cards, only to be informed they were both cancelled after I agreed to all of the above. When I inquired why, they said "Because you were late too many times"!!! So I said, "Why did you take my money and set up a fake arrangement knowing full well the cards were cancelled?" They said, "You can re-apply after the balance is paid off"!

Well, I stopped all payments and that's when all hell broke loose. They called family members, co-workers at the office, and CO-WORKERS AT HOME SEVERAL TIMES A DAY FOR MONTHS. When I pleaded with them to stop the harassment (especially my co-workers), I was told "WE ARE ALLOWED TO CALL/AND OR CONTACT WHOEVER WE WANT TO COLLECT"!! My daughter's account, which is in her name, was garnished 2 times to pay my debt. I called and demanded they put it back.

Then the threats came, "we can put a lien on your house", "we are taking you to court", "we are going to garnish your wages", "we are taking your income taxes", etc. etc. etc. This went on for months, and every time I spoke to them, I said the same thing, "You are in violation of the Truth in Lending, can't wait to see you in court because you deceived me from the very beginning." This has been ongoing since September/October 2011, AND THEY ARE STILL CHARGING/APPLYING INTEREST TO CARDS THAT WERE CANCELLED IN 2011!!

Well today, we called to see when the appraisal was going to be set up. Our loan manager called us back and told us that they could no longer give us the loan because it was a ranch/farm contract. The loan person said that he had just looked at the documents TODAY, that is why they informed us today. They have had the paperwork for over a month and we will be closing in two weeks. Guess what? No loan, no closing. Now we are scrambling to find financing elsewhere. But we are delayed on two fronts. Thanks again Navy Federal.

It has taken me 3 years to finally get the form that he put me down as an authorized user just to find out now that an Authorized User does not have to pay on a credit card since all they are is authorized user. I believe that NFCU took advantage of me very shortly after my husband's death and knew I wouldn't know what in the world was going on. Please be aware if the credit card you fill out just says Authorized User, then the other person is not liable for the debt on the credit card.

A couple of weeks later, I walked into a county credit union that I found out I was eligible to join. Through a few dollars in a savings account and applied for a home equity. This home equity was not 95% LTV though... it was 100%! Not only did I get the advertised rate (6.5%), but was also told my income to debt was just fine. The appraisal was also a fair one... not like the countless low balling I have received from Navy. Twenty years with them and I go to someone else off the street and get a real home equity loan. Navy Federal, you have sold your soul to grow.

Another few weeks passed and I called to ask what the title status was. For the next (4) months, they claim they never received it. For me to keep the title/paperwork profits me nothing under any conditions. After (3) months the loan's reverting to an unsecured loan, which allows for the following money-making revisions: 1) 18% APR interest rate. Wow! Don't we all wish we could "write our own ticket"? 2) Unsecured personal loan means that 90% of my current payments go to interest, not principal. I was paying the loan down to save money and become debt-free.

In the 5th month of the loan (and following 22 phone calls), it miraculously showed up at the NFCU title department office. It was returned to me with a rude attachment advising that none of this would have happened had the title been sent as requested. Shame on me for not sending the paperwork “Registered Mail”. Once again, for me to hold on to the title would never be to my benefit. I couldn't register the boat, pay taxes in Florida for the boat or sell the boat. What I can do is increase NFCU profits 5-fold by delaying the title process.

The monthly payments before the title debacle were $280/month. From each monthly payment, approximately $45 went towards interest and the rest paid down the loan amount. Now my payments are $355/month - only $75 pays down the loan and $280 goes toward interest! Apparently it's a Rule of 78 Loan now. There's a reason why the government made them illegal for secured loans. The "missing title" is the only way to break the law and stay out of prison...

Once the date had come that NFCU told me my funds would be available, I was at the teller window expecting my funds to be available. I was told that they had doubt that the funds were collectible and they were unable to verify the funds. I had my attorney's office call the bank to assist in verification, and they were told that there would be a 10-day hold on the check because they could not get in contact with the bank that the check was written on. My attorney explained that this was not the Stone Age, and things were verified electronically these days, yet the bank insisted on speaking with someone from the other bank by landline. I was observing that NFCU had listed my funds as available on their website, and yet they were telling me that funds were not available. The next five minutes after that, I checked my account by internet again and it said that I had no accounts that could be verified and I no longer had access to electronically check my account.

I called to ask why my electronic access to my account was blocked, and the customer service rep told me that my account had been sent to security because they believed that something fraudulent was transpiring with the check that an insurance adjuster, a bank, and my attorney had confirmed was not fraudulent. NFCU was once committed to service members. Now, it appears as if they have joined the rest of these corporate entities in finding every way possible to screw members who have served time defending our country. It's truly shameful how much this once great credit union has fallen so far and has sunken so low. I can only blame the leadership.

I have been wiring money back to the same person and same account for more than two times. This time, I just did the same as what I did before but NFCU just sent my money to a wrong place. The NFCU customer service insisted they did nothing wrong with that and insisted that I put the wrong information for the wire transfer. Then why could I wire the money correctly before but not this time? I think their customer service attitude is really bad. Their response for this matter is unreasonable and unacceptable. I really want to warn the people who would like to wire the money through this bank. Just ask more before you do it.

As the process moved on, I was stuck in the middle between him and the construction company - Ryan Homes and their financing procedures. Ryan Homes does not provide 100% financing so I did not use their financing. Instead, I decided to use NFCU. A few weeks ago, I was notified by Ryan Homes that I was to pay additional monies for preconstruction/down payment. I contacted Marcus and he informed me that he was not getting in the middle of the dispute between Ryan Homes and I, and that was something I would have to figure out myself. I was confused because I thought that if I used NFCU 100% financing, I would not have to pay anything other than the down payment and closing costs. I was stuck in the middle because I was given instructions by Marcus and totally different instructions by Ryan Homes. I finally insisted that Marcus talk to the Ryan Homes sales representative and get the matter straightened out. I am not sure if he did, because I called Marcus inquiring about the conversation he had or should’ve had with the Ryan Homes sales representative, and he never returned my call.

On Friday, February 8th, I received two emails from Marcus. The first email informed me that since 60 days had passed, I would have to go through the approval process again 45 days before settlement and to contact him then. Four hours later, I receive another email informing me that NFCU would not provide a loan for a new construction condominium. He asked for the Ryan Home sales representative’s contact information, which I provided. At that point, I asked Marcus to keep me abreast of the situation so that, if necessary, I can cancel my contract with Ryan Homes. Although he sent that message at 8:40pm, and I responded at 9pm, I have yet to hear from him.

I am very displeased at the service I have received from Marcus and NFCU. From the beginning, I told Marcus that I was purchasing a new condominium and never withheld any information from him. I contacted his supervisor **, and she was no help at all. She told me that she didn’t see what the problem was, and she said that I would not be able to get a loan for a new construction condominium. Although Marcus said I would, there is nothing she can do and told me goodbye.

At this point, I am working again with Ryan Homes who is providing me with better financing; I am just disappointed and angry at how the NFCU mortgage department dealt with this situation. I paid $400 for this loan to be processed but have not received a refund even though I was given erroneous information from Marcus. I will never consult NFCU mortgage department when purchasing a home and will never use their financing for anything. I have referred numerous family members to NFCU, and I am sorry I did because the way I was treated was unacceptable.

I called her supervisor today. She would only give me her first name (Terry) and was of no help. Instead of doing what's right, she would rather stick up for people who don't know how to do their job. She said she would get back to me by the end of the day. To my surprise, that did not happen. I do not do business with people who lie and do unethical things. My husband and I have been with USAA for 25 years. What were we thinking that NFCU could even come close to them? We will be closing all accounts with this credit union! What a horrible experience.

At this point of her very apparent attitude, I suggested she do it in front of me so I knew she was actually working on what I needed done, once again not a hard task at all. She lied to me saying, "I cannot be logged into two different computers at one time." I then corrected her by letting her know I was a former employee and in fact, I knew she could be logged into two different computers. She then stormed out of the room because she had cash on her desk. When she came back, still visibly upset that I had disrupted whatever work she was doing. I explained to her where she could locate the information I needed and she was still furious. Once she pulled up the statements and saw what I was saying was true, she said, "Oh, I honestly did not know that was located on the monthly statement." So you're telling me your supervisors who have worked there for 20+ years didn't know something I learned in my month and a half stint working for your company.

Once she located this information, she cooled down drastically once she noticed I was filling out a complaint form about my visit. It took her not even 10 minutes to do what I had asked her to do. She then tries to apologize for how she acted, which was unacceptable, and I did not accept her apology. While I worked there, member service was the top priority. Obviously to her that meant having an attitude, being upset, her other problems being more important than what I needed done (which once again was not a difficult task in the least had she actually been qualified to do this task), she lied to me and tried taking advantage of me before she knew I worked at Navy Federal as well. I will not tolerate being treated this way. I will be closing my account once I move into my apartment.

At this particular branch, I also had a bad experience with **, who was a teller and also had an attitude problem. This was a ridiculous experience and I hope that she is written up because no one should ever be treated that way. I kept my cool the entire time and she blew it. For **, to think it was okay to treat me this way I assume since I am a young adult is unacceptable for your company's philosophy. This should be dealt with and I would like a follow up on how she is dealt with for this matter. I am extremely unhappy and I have convinced my parents and family members to not only close their accounts but to also discourage any of their friends/families to open an account with your company. It's obvious your growth/expansion has left you hiring incompetent people and has left large gaps in the one thing that matters - member service.

If I would have known she was going to make a big deal about cashing my check that clearly has records of it being cashed for months now, I would have just said "Forget it, give me my check" and left. I think it's so rude to have a customer wait so long and take off with my check to the back where I can't go in or say anything to anyone. To say "you're just a joint," what is that? Joint or primary, I'm still a customer and account holder. There should not be any difference or treatment at all. Navy Federal should fully train their tellers before throwing them on the floor to help loyal customers. Because of this, they lost my business for sure. Worst customer service ever.

At one point, I wanted to try to trade in my car so I asked if they had my title. The man said yes. I was relieved and asked if they had fixed my interest and payment amount. He said yes, it's fixed. I didn't end up getting a car but after about two months, I realized my bank account hadn't changed. I went to ask about it and they said, "We don't have your title." I called my mom and she went to the tag office. They were supposed to send my title. She got in writing that it was sent on August 13th. I went back to Navy Federal to talk to them about it and they said they got my title on August 28th. They had been charging me for 4 months. The woman gave me a number to call to get it all fixed, so I did. They submitted a request. Before we hang up, I asked if I'm going to get paid back the extra money they had been taking for the last four months, which equaled about $550. The guy said, "I don't know, they may consider that payment your responsibility." I still haven't gotten this situation settled. I've owned my car for over a year, but best believe as soon as it is settled, I'm refinancing my loan and getting a new bank.

I woke up the next morning, withdrew all my money, closed my accounts and opened a new account elsewhere. ** you Navy Federal and that nasty little ** you decided to hire. Worst customer service in history.

I don't know if these types of strong-arm tactics are legal; but it seems that if a matter is discharged 7 years ago, then placing sanctions on them now to collect on discharged funds can't be legal or moral. I have repeatedly spoken to customer service people, and they all tell me that the "Bankruptcy Department" will not remove these ridiculous restrictions from my checking account. I have been a member with Navy Federal since around 1995. Needless to say, it’s perplexing. I often wonder if the higher-ups at NFCU are aware of the shenanigans that have to be endured by its members. Either way, I'd simply like for my checking account restored to its original status. I do not even have to have the overdraft protection, the simple inquiry that started this whole mess!

Also, you cannot call any branch directly. What kind of bank or credit union would not let their customers call into the branches directly? Sounds like to me they have something to hide. The reason why customers want to talk to the branches directly is because you have rude customer service and we as customers and members will not put up with rude customer service. Then, the rude customer service will hang up on their customers. Navy Federal Credit Union needs another bank or credit union to take them over. Navy Federal Credit Union does not care about their customers at all.

I had a couple issues with my credit card with a merchant illegally charging my credit card. I put a dispute in to Navy Federal Credit Union and they claim that the merchant would not lie, but the customer would. I was charged $126.14 after I cancelled my hotel reservation with the Holiday Inn in Frackville, PA. I called both customer service and the hotel and I was given a cancellation number by the Holiday Inn.

I spoke to a Michael ** in the executive office of IHG and he informed me that I had called 10 times and I called 8 hours before the 6:00 pm cut off time to double check to make sure it was cancelled. The Holiday Inn confirms that I called that many times to cancel. I was told it was a "no show fee". I am disputing this with Navy Federal Credit Union and they are not supporting me whatsoever. So please do not deal with Navy Federal Credit Union. They do not support their customers at all. I have sent letters to both NFCU and Holiday Inn or IHG in Atlanta, GA. I am now dealing with 800-VISA-911 to get to the bottom of this issue and to see to it that NFCU does not screw any more of their customers.

After numerous phone calls to customer service, I finally got to the security department where I left a message for some investigator in San Diego. This was Monday night (at the time, I did not know the investigator worked in California, so he should have returned my call sooner). This morning, still no response, so I left another voicemail. Two hours later, still no response, and I called the security department. The rep, Megan, transferred me to another woman, who tried to ask, "Is there any way the check you deposited could be fraudulent?" The check is from my employer! Why would it be fraudulent? She still couldn't help me anyway, and she informed that she would speak with the investigator and either he or she would call back.

Three hours later, still no response. I called the security office and Megan answered again. I told her I've left numerous messages, and hadn't spoken to anyone who could fix my issue. Megan then had the gall to say, "Please don't call us saying you hadn't spoken to anyone. That's a lie. I spoke to you this morning." Before I could respond, she transferred me to the investigator's voicemail again. In a nutshell, my issue still hasn't been solved. I will have no access to my funds until Saturday. The investigator told me he could not lift the freeze until I drive all the way to Annapolis to withdraw my money from a branch. I am in the process now of filing a complaint against this Megan person. She should not have spoken to me or to anyone else in that manner. I am under enough stress right now trying to get access to my funds, and for her to speak to me that way is unacceptable. As soon as I regain access, I'm taking my money out and finding a new bank.

As we have discovered since then, it was due to a collection not even related to him. This story goes back to my current wife and her ex-husband who did a consolidation loan (she had to co-sign the loan even though she didn't have a job) and during their divorce, it was ordered by the court that her ex-husband was ordered to pay back the loan to the Navy Federal Credit Union. We have the original documents that state just that. John ** of the collections department never tried to call my wife and never did any research to discover that the payment was to be made by her ex-husband. He found my wife's SSN on my son's account and just went in and took it without any notice at all. That appears to be fraud, Mister!

To our frustration, the Navy Federal Credit Union has not given me a straight answer and told my wife she needs to "just move on" as stated by John **. I contacted an attorney's office here in the Atlanta area for assistance. They have had the same result of getting the runaround. A letter was sent to the CEO, Cutler Dawson, and there has been no response in the following three months. John **, Cutler Dawson and all their cronies simply don't care about their customers. There will be no justice.

"Injustice anywhere is a threat to justice everywhere." - Martin Luther King, Jr.

"The truth of the matter is that you always know the right thing to do, the hard part is doing it." - Norman Schwarzkopf

But the suspicious activity was not flagged, and I was never contacted about it. I discovered it myself when I logged into my online account to check my balances, and found out the last of my money had been transferred out on that day. Unfortunately, since I discovered it on a Friday night, there wasn't much I could do about it during the weekend. Moreover, it was the long Memorial Day weekend. Nonetheless, I went to a branch on Saturday, and a manager there assisted me in writing up and faxing the Fraud Affidavit to them so that they would have all my information come Tuesday morning. The branch manager, as well as the reps over the phone told me they would call me on Tuesday.

When I did not receive a call back on Tuesday, 30 minutes before closing time, I went ahead and called them. After being told the past weekend that they were open from 8 to 5, the representative I spoke to at that time said the Securities Department closed at 4:30 and would I like to leave a message. I demanded to speak to a supervisor, and asked her to see to it that my case was handled. She said she would.

Another supervisor called me the following morning on Wednesday to "ease my pains" but not really do anything beyond that. One of the most mind-boggling things about this is that no one there has any real answers and apparently, no one there is in charge of anything. They always tell you that someone else is the person you need to talk to, and when they put you through to them, that person doesn't pick up the phone, answer emails, or return your calls.

I was advised by this supervisor that my case would be handled in 3 to 5 business days. I yelled at her, because NFCU seems to believe that a person can wait 3 to 5 business days to eat and put gas in their car. When I asked about a provisional credit, she said she was not in charge of that. So, after this supervisor who is in charge of nothing promises that she is on my side and seeing to it that my case is handled, I call the Securities Department myself again two hours later. I was advised then that my case has been received and was assigned to an investigator that morning (still on Wednesday). When I asked about getting a provisional credit to my account, this person had no answers, and even hinted that my case had been assigned to an investigator who was absent that day.

After nothing happened on Wednesday, I called back again on Thursday morning. I reached the investigator's voicemail, who surprisingly called me back. I asked again about the provisional credit, and she said she needed X, Y, and Z information to make sure that I was, in fact, a victim. I told her she already had that information, and that it was confirmed to me by several other representatives that it had been received. The thing is, even though the case had been assigned to her the morning of the previous day, she hadn't even looked at it until that phone call. She didn't even bother to pull it up before she called me.

So now it's Friday morning; Now one week that I've gone without my money, and NFCU continues its foot-dragging dance. Beyond the inherent horridness of the situation, a few other things get me about this:

- When this person who had no right to my money requested my funds, NFCU turned it over right away; no questions asked. But when I, the true owner of the funds, requests the money, not only are they now making me wait over a week to get access to my own money to which I have a right, they feel the need to put me through a gauntlet of verification just to get me a provisional credit to live off while they do their digging (or not).

- This was the result of ID theft that first occurred about a month ago, and my Chase Bank account was the first one to be hit. When I called Chase about it, they immediately issued the provisional credit as I was sitting there on the phone with them, and detailed the exact procedure that would take place as well as timing. They were right on top of it, and had the matter resolved within 2 days. I was surprised at how completely stress-free the entire situation was. I have a sister who works at Comerica Bank, with whom I also own an account, and she said Comerica does the exact same thing.

- I should not be the one chasing them around every day to get my money back. With Chase, not only were they the ones who contacted me when they found the suspicious activity, there was absolutely no chasing them around involved. I attend law school and hold a job and an internship. I simply don't have time to be chasing my bank every single day.

- When it's money you owe to NFCU, they make sure they're on top of that and call you back every hour on the hour. But when it's your money that's at stake, they really don't care about you.

I understand that mistakes happen. What I don't understand is a supposedly legitimate institution that drags their feet in fixing the mistake when - essentially - someone's entire life is in their hands. Each day that passes is another day I'm more convinced that my money is better off in the safe under my bed than in their hands.

My father, a 26-year Navy veteran, opened this account for me when I was 11 years old, and I have been a faithful member since then. My father continues to stand by NFCU and doesn't want me to freak out about this and leave them. And NFCU would have retained my trust if they had been more prompt about resolving the matter and getting me at least provisional credit. But they aren't. They haven't taken care of me and they continue not to. I'm torn about abandoning an account my father opened for me when I was 11 (kind of sentimental about it), but this has been a complete nightmare, and it remains unresolved.

Besides not being able to get loans/mortgages for one excuse or another (which we then secured at other lenders and then paid off without any delinquencies or defaults), a few years ago, I discovered that they closed down my minor sons' accounts without authorization! They gave some lame excuse about not being able to contact me, but yet, I had been receiving my monthly paper statements at the only address I had! So, I guess they do not care for children of service members, either!

The last straw came when my wife decided to set up web bill pay service this week on our joint account (remember, one we've had for 30 years!). But, NFCU wouldn't permit it! She has to become an authorized user of our joint account! That was when we had it. We set up new joint accounts in a matter of minutes with USAA. And guess what, she had no problem signing up for Web Bill Pay on our joint account!

In hindsight, I wish I had moved sooner. There isn't anything they have done for me, but deny mortgages for stupid reasons (i.e., "We don't loan for homes in New Mexico"), even though we have platinum credit ratings and the mortgages were on the very low end (we never wanted to be house-poor!). We are really looking forward to shifting everything over to USAA and never having to deal with NFCU again!

After the first month, the payments started coming out as planned, and there were no problems. 2 months after getting back to the States, they started taking out a whole payment every payday. I went to the local branch to find out what was going on, and they told me I had been behind a half payment for 3 months.

We received no letter or message from them telling us we were behind. If so, I would have fixed it right when the problem occurred. Instead, they wanted to "catch us up" by taking that money out. I explained to the lady there that the branch in Spain set up the transfers and that there was no way we were behind due to our fault. She said there was nothing she could do for us. So we bit the bullet for that month, thinking that the fault must be on us. No more problems for 3 years.

Then in 2010, my wife and I decided that we wanted to buy a house back home before the housing market shot up there. We went to the branch at Ft. Belvoir, and we were preapproved for a mortgage loan. They even helped us find a realtor in that area. They asked if my wife would still be working when we moved, and we told them yes and that she would be working for the same company, just that we were transferring and she would be off for about a week.

We got home. Then we started looking for houses, found one, paid earnest money, and started paperwork. And we got a call from the NFCU lending department which stated they cannot give us the loan because my wife wasn't working. Wrong! She was working and for the same company. They said because she changed jobs, they would need at least 2 months of pay stubs before they would consider us again for the loan.

We had no idea what to do. We lost the earnest money which was a considerable amount, and we then had to move them and all of our stuff back to where I was stationed and find a new place to live. NFCU didn't see this as a problem. I was ready to call it quits then and went to talk the branch supervisor and let her know that they really screwed us up financially. She said I could file an appeal and that she would make sure it wouldn't affect our credit. Well, she was wrong about that. That is when I opened an account at USAA and was going to start using them as soon as I had my loans paid down and could refinance through them.

In August of that same year, I had applied for a car loan through them, because my current car had died and unfortunately, their rates were lower than USAA. I still owed a little on my trade-in, so I rolled that in to the car I was buying with the dealership. So I wrote the check for what the final balance came out to, which we have always done when we owed more than the trade-in.

NFCU came behind and rolled the negative over as well into the loan, so I was basically paying twice for the negative balance. When I went to the branch to fix this, they said the dealership shouldn't have done that and that is what they have always done. They said I should just keep paying on that loan at $712.00 a month, so it would be paid off sooner. I said no and that they need to reimburse me for the money they basically were trying to steal from me and they needed to fix the loan to the way it was supposed to be.

I spent 8 hours in that branch, talking to so many different people that I couldn't keep up. Finally, they agreed to refinance my car for the original loan. As a customer in good standing with them, I should not have had to go through all of that trouble for their mistake. Now, I have all of my loans with NFCU to come out twice a month. I have never been behind on any payments.

On the 1st of March, the payments didn't come out. My wife and I didn't notice this, and the money that was there at the end of the pay period rolled into the mortgage that we now have (not with NFCU). In the 13th, we noticed that the loans had not been paid and that we couldn't afford to pay the whole of the loans on just the 15th.

So I went to the branch near me and talked to the young lady sitting at the desk and told her what had happened. She checked and said that the transfers had been deleted. I told that my wife and I did not delete anything, and she said it would be no problem and she typed on her computer for about 10 minutes while I stood there waiting on her. When she was done she told me that it was taken care of and we wouldn't have to worry about anything.

2 days later, the 2 car loans came out in full payments, and one of the smaller loans paid once and there was no money in the account. I went down to a different branch that was closer to where I live and talk to Toni, who was very helpful. We looked through our transfers, and not only did the other young lady not fix the problem, she made it worse by setting up payments to come out on the 1st and the 15th and the 15th and the 31st!

So Toni and I took 2 1/2 hours out of my day to fix the problems, reverse the payments that were not supposed to come out, and made sure that the smaller payments would only come out once and the late fees would be removed. 2 days later, the smaller loans paid 3 times. I went back to the branch and talked to another lady. I explained everything that happened. Again, she "fixed it." Again, another 2 hours of my time wasted at the bank.

That night, I got a call from my wife, who was frantic, because on the 1st of April, all of the loans were going to pay 3 times each. So I went back down to the same branch the very next morning, fuming, because I was going through this again. I ended up talking to another person, explaining everything again! This time, I was in the bank for 4 hours. This time, they were saying there was nothing they could do, and I would have to pay all of the loans the way they were supposed to come out. That is impossible, because there won't be enough money in the account to cover them coming out 3 times. After they resolved nothing, I demanded to speak to the manager. I was told she was out sick and that there was nothing more they could do and asked me to leave.

Yesterday, I called the collections department 4 times, because I was hung up on 3 times after telling them what happened and was basically told the same thing and that I would have to pay and couldn't work anything out with me, even though it was their fault. The best they did for me was give me to the 15th to figure out how to pay all of the loans. He told me that if we didn't pay them up to date, then that we would not be able to use our account because it would be suspended.

This morning, I checked my account, and it has already been suspended with my accounts only past due 4 days! I can't even pay the 1st of the month payment, because they want the whole thing. I am done with them, and if there are any good lawyers out there who can help me out, please let me know. They are taking food away from my family, and to me, that is a threat. Holding my money hostage is no way to do business, especially when the bank is at fault and keeps making matters worse. Never again, NFCU! Is this the way you treat all veterans and service members?

She told me that they could give us $18000 at a rate of 3.99 APR and that over 60 months, the payments would be about $332. She wanted to run my credit and I told her I didn't want her to run my credit until I knew that my husband would approve and that I also did not want to become a member unless these things were definitely able to happen. I told her I would call back. Then I talked to my husband and explained everything to him. He said he would be fine with the information I have provided above but he wanted me to ask another question about membership fees. I called back and had to start all over again with a new person.

This new customer service woman told me exactly the same thing and stated to me that the membership fee was $5 per person on the loan, and that we would both have to have our own savings accounts with them. I called my husband back and gave him the information. Then we both did a conference call to talk to yet a new person and told her what we wanted to do. She told me they couldn't do what I had already been told that I could and I explained it to her and she said okay. She said okay and then had us fill out the application for membership and then filled out the loan at $18000.

The next day, my husband got a call and they told him that they can't do the whole $18000 at the 3.99 APR that we were already approved at and that the APR would go up if we wanted to do a different kind of loan rather than the refinance which would result in a different amount for our monthly payment, this after they had already told us that we could do the loan on the original conditions. My husband called me and told me what they said and I called the supervisor, Brian, and explained to him that we were very unhappy because we were led to believe something else and that it wasn't just one person making a mistake. This was at the very least 2 people making the mistake and one person not clarifying after I explained what I was told by the previous 2 customer service reps.

Brian went through the recording on the day we filled out the applications and stated that I did mention the other two customer service reps and told me that the rep I had talked to last, did tell me that they couldn't do a loan like that. He neglected to mention that the woman did not confirm that they couldn't do it after I explained it to her and that she filled out the application for membership and the loan for it anyway. The credit union (Brian) refuses to rectify the situation and told us there is nothing he can do unless we take a different loan at almost 8% APR. This is crap.

We were led into the use of our need for a refinance to a loan that they get to choose to honor after they have us as members and had run our credit. I know that every time we run our credit, our credit rating drops which is why I have been so stubborn about whether or not people can run my credit. I have good credit for very good reason. I feel like we were tricked into membership and tricked into a loan based on the fact that the credit union gave false information about the amount of the loan.

Had we known they would not approve the loan in its form of the first two conversations I had with the customer service reps, we would never have let them run my credit and we would have gone with Commonwealth Credit Union instead as they stated that they could do the $18000 at 5.24 APR.

I have been with Navy Federal for 9 years and had not missed a payment or been late on anything. I have paid off all loans as fast as possible. I attempted to contact the credit card department many times, and finally got through. The woman explained there is a hardship program. She ran my finances and stated I qualified for half payments and half interest. Again, nothing!

I called back the whole week to find out and could not get through. They had no record of this anywhere they said. They froze my checking account until I would make a payment, which I did not have. My brother attempted to transfer me money, which they locked too. Good thing I had USAA.

In July, I finally had enough money for a payment and made one. I have contacted NFCU almost every week in regards to my credit reports and my exemplary credit history, no help there. They claim goodwill letters do not exist and nothing will be done. This company is full of ** heads who don’t care about anything except ** people over. After this was all over I paid off one credit card entirely ($7k) and the other down from $15k to $8k. No help after that either. Do not ever bank or have any dealings with this company.

The transaction is weird (see below):

Pending POS Debit, Visa Check Card **; $39.95; transaction date, 02/04/2012.

Pending POS Debit, Visa Check Card; $1.00; transaction date, 02/01/2012.

I accessed the website but there isn't much information. I called the phone number but got a recorded message that it was not a working number. I chatted online with a rep from the website but he wanted my bank name, account, account and email address to "research" the issue. Not likely! When I said I thought this was an attempt at fraud the rep said to have the bank call them. That’ll be tricky since the phone doesn't work! So, I have no reason to believe these are valid charges. I guess I have to wait until the fraud case is closed before I can close my account but you can expect me to close the account immediately afterwards. And I expect a refund for the checks I paid for.

The closure was because of a recent activity on this account. What, paying the credit card off? Customer no-service ensued, so I immediately withdrew my cash from all accounts. I was a customer for 5 years, and $70.00 caused all this turmoil. I recommend all military/family to close their accounts, or suffer the consequences of this institution. USAA is the way to go, and is now my choice for loans/credit cards/insurance/checking (free with ATM reimbursement for fees). They give out free checks, and have a customer service that is friendly/American, who are glad to be employed.

Angry and frustrated, I am processing getting all my banking out of this horrible bank. I've been a member since 1985 ... it's the past 2yrs things have gotten worse. They don't even give birthday cards for the kids accounts anymore but they will take you kids money out of theirs and pay on any late payments you have. Cannot say enough bad about this bank. Just not the bank I used to love and brag about.

I contacted the insurance company to have them take me off their mailing list and I contacted NFCU to ask them a few questions. They refused to answer two simple questions: Which companies did they share my information with and what information did they share? They sent me their privacy policy which only states they share information with affiliates to provide product and service offers to NFCU customers. I know this happens, I worked in advertising, but I would think they would at least be honest and answer my questions.

They have essentially stolen my money and have decided it is within their right to hold it hostage. I do not know anyone in their right mind that would bank with anyone with this policy. After twelve years and a solid account history, I no longer will. I'm better off stuffing it into my mattress.

So as I continued to speak with him, I listened to the messages. All 99 were from collections, threatening eviction, sheriff removal, and jail time! All this while I was still talking to this fellow. Talking to him was like talking to a child: he would not address my issues, but only tell me that I was a bad person for not paying my bills. I got online and checked that my monthly payments were still coming out of my account, which they were. I told him that I had no notification, and my payments were still going to USA Federal, and I could prove it. He then said I could fake my payments, and to pay my bills and hung up on me! I was home for seven days, and I was on the phone every day with Navy Fed, and finally got them to understand that I had been paying the mortgage to USA Fed.

This bank stressed me out to no end, treated me like a criminal, and still call my phone before every payment to "remind me" that I have a payment due in 10 days. I ask, is this legal?

On Wednesday, October 12, 2011, I received a call from a man who told me that he will wait on the phone until my roommate was ready to speak with him because my roommate wouldn't pick up (he works during the day). I received a call the next day on my phone that went to voice mail explaining that my roommate needs to call them. I called in and spoke with a supervisor who told me that she would work on getting his number removed. Again, today (Friday, October 14, 2011), I was told by a woman to "put your roommate on the phone now" after I explained that this is not his number, and that is the reason why I am the only person who picks up the phone. It seems that no matter what I say they will not stop calling me. The biggest problem of all is that my roommate did not give them this number to call.

I called the NFCU customer service line. The representative I spoke with indicated that all NavCheck lines of credit were being raised to 13.1% as their new "base rate". I contacted HAPO once again and asked if they could offer me a better rate to transfer this balance. They were able to offer me 9.0% on a Visa account which I opened. I called NFCU back and spoke with Stephanie. I explained all this to her and asked if they could match the 9.0% so I wouldn't have to close the account. She said no.

On September 5th, I went to the HAPO office. I sat with the loan offer while he prepared the paperwork to complete the balance transfer. I received my August statement from the NFCU on September 23rd, along with a payment stub. At this point, I had assumed the balance had been paid, so I was a little confused as to why I had a balance due still. After several phone calls to the NFCU, it was finally determined that the back office received a check for the payoff balance from HAPO on September 5th. And instead of applying it as a payment, they deposited it to my account and took out the minimum due as an automatic payment! I instructed Danielle at the NFCU to apply the entire balance to my line of credit to pay it off and close the account. She indicated that I will still have a balance on the account of course because they have charged me additional interest on the remaining balance! So, I will get one more bill from the NFCU that I have to pay because they made a mistake. The check that was sent to the NFCU from HAPO was clearly marked as payment and not deposit.

The next day, they charged me $250 for an application fee. That same day, I called to check the status of my loan and to verify paperwork and another person, not Michelle, but a male answered as if he was now doing my loan. He said that there were additional docs to sign so I went to the website to electronically and physically print and sign the docs. Then I noticed a new GFE, Truth-in-Lending, and a loan commitment agreement that had values different than what was in the first GFE and Truth-in-Lending. It was for $370K not including the $12K fees. Why didn't they do this initially or factor it in a week earlier? The new price reflected closing costs. I thought the $12K in fees were the closing costs. Why should I pay $382K on a loan when I only owe approx $358K? That's too much!

There was deception involved where it should not have been from an organization such as this. There was very little communication between myself and them. They did not discuss with me the details of the loan in depth nor did they explain that the closing costs were not figured in until after they took $250 from my account. I expected better quality service from a major credit union such as NFCU but actions speak the truth. I have been a loyal member of this credit union for over 20 years and now will make arrangements to switch to USAA.

She did explain that the available light in the non-available lane was a requirement of the branch, and I would still have to wait in line for the only teller available, which was helping another customer in the other blue light available lane. What sense does this make, for the customer who stands in line waiting on the one teller, who is helping another customer in the other available line, when there is only one teller available. I don't want to drive across town to another branch, as your non-customer service so clearly pointed out. Maybe I should just take my business elsewhere! I'm just saying.

I first became concerned over my loan application when NFCU's loan officer kept losing the reams of documentation I sent in, both electronically and by mail, not once, not twice, but three, four and five times. Moreover, it took her, on average, two weeks to reply to anything I sent in. I became so exasperated that I lodged a formal complaint to NFCU's Special Committee, which is supposed to act as ombudsman for NFCU customers. I suspected something was amiss with this committee, when I couldn't find any contact info on it. Hours of cyber-sleuthing got me the email address of a Navy Dept. official who is on the board, whom I contacted. After a month, I received a canned response from the board, obviously written by the same incompetent loan officer I'd been dealing with, instructing me to send in the documents she'd been losing. Exercise in total frustration.

Nonetheless, I continued to assiduously fulfill each request for information. But every time I submitted information, back came additional demands, which over time became increasingly absurd. As I reached the sixth month of this charade, it became very clear to me that NFCU had no intention of approving my application to refinance at a full percentage point lower rate. The game they were playing was clear: henpeck the client to the point he gives up. My requests to speak to a supervisor were ignored. I finally issued them an ultimatum: they had more than adequate data proving my creditworthiness. Make a decision, I told them. Well, I received no response for two weeks. I had to goose them repeatedly for a reply. They sent me a form rejecting my loan application, checking every box available for the rejection. My impression was that they had great glee in throwing the book at me, and I am out of pocket for $850 in fees.

NFCU isn't the veterans-friendly bank it used to be. Something has changed. They now comport themselves like some fly-by-night scammers. I plan on removing my $200,000 in accounts from NFCU, and to cease doing business with them. Moreover, I'm writing to their management, to inform them that I am reporting their bad faith practices to the National Credit Union Administration, FTC, FDIC, Federal Reserve, BBB, and the new Consumer Financial Protection Bureau. Moreover, I am writing to the respective oversight committees of congress, requesting that they investigate the lending practices of NFCU, and other banks who are committed to lending, but who act in bad faith, a form of fraud. I followed this same route with another bank several years ago and got results. I urge other NFCU members to follow suit. Make your voices heard. Also lodge your complaints in writing. A good place to start is: **.

Navy FCU, the second lien holder in our 80/20 loan, gave us two choices for our short sale. 1) Navy FCU would accept the short sale if we signed a new loan paying them back, in full, the amount owed to them; Or 2) Navy FCU would deny the short sale forcing the home to go into foreclosure and then they would come after us in a year or so, a deficiency judgment for the full amount.

Option one or two leads us to bankruptcy. Expenses clearly explained in our hardship letter informed them of this. They ignored them. I pleaded with them, even got them in the Washington Post and had their executive VP interviewed where he was informed of my situation. Still there was no assistance. I finally talked with their assistant VP of mortgage and even had an in-person meeting, still no assistance.

We are now going into bankruptcy. Not by any lack of responsibility on our part, but because Navy FCU forced my wife and I to either choose bankruptcy now or in a year when they take us to court. Naturally, I am not going to wait. I am getting this over with.

My wife and I completed the statement and returned to our NFCU branch to fax our paycheck stubs as proof of our income. The staff member serving us gave us "a deer in the headlights" look, but she sent the fax. An appointment was scheduled with a Mr. ** for a phone interview to discuss the matter for approximately one week later. Interestingly, one of the first things he said was, "We'll need your pay stubs". I told him we had already faxed them and from our local NFCU branch. I then expressed my doubts about whether or not their staff were sharing information. He assured me it was probably just a temporary delay. We had the phone interview this morning per previous arrangement. He was not available at the appointed time. I left a message and he called back, saying he had an unscheduled caller and had trouble "getting rid of him".

We then proceeded to talk for approximately one half hour, tediously reviewing information we had already provided on the statement. Although it was not openly stated, Mr. **, through his manner of questioning, seemed to imply that my wife and I were irresponsible and spendthrifts. He questioned one three-month period in 2009, in particular expenses for American Airlines and a business establishment in Chicago. I explained in the first case that the airline ticket was to fly home and visit my critically ill elderly mother. The Chicago establishment was the bed and breakfast our recently married daughter had chosen for the out of town guests at her wedding. He then suggested our grocery bills were too high, then contended that we would send our account into delinquency if the payment was reduced.

I told him I saw no logic in that since we are currently paying on time at the present rate. How would lowering the rate make it worse? This nonsense continued until I finally became exasperated and asked to speak to a supervisor. He continued to argue, while saying he had no problem letting me do so. I repeated my request several times. He eventually said goodbye and hung up instead of transferring my call. I called back and asked to speak directly to a supervisor and was told she, a Miss **, was "not in yet".

I was later told she was in a meeting. Apparently, the meeting lasted several hours since a Mrs. ** spoke to me regarding the matter about 2:30 in the afternoon. The whole thing began at 7:00AM. I found Mrs. ** to be cursory and indifferent to my concerns. She was clearly just a flak catcher whose customer service skills were poor at best. I told her I no longer cared about the interest rate, but intended to contact someone in a regulatory capacity regarding the matter.

Here's why: In between my conversations with Mr. ** and Mrs. **, I was filling out a complaint online at the NFCU website, when I received a phone call. The caller said to my wife, "I understand you have a credit card problem and want to get a lower rate". She gave me the phone and I attempted to identify the person, his position and department. Although he reluctantly gave his name, the caller seemed to want to dodge other questions. I kept asking him who gave him our number and how he was referred to us. I asked him about his capacity with Navy Federal.

He dodged my questions and kept saying things like, "What's your balance? Is it five thousand? I can help you with that!". I told him he should have our balance on the screen in front of him if he was following up legitimately. He finally admitted he was not an NFCU employee! Our phone showed his number to be from the Clearwater, Florida area. He was obviously working for one of the many phony credit card scam outfits all around the United States.

Here's the thing: How did he get our number and choose to call on the very day that my wife and I were seeking a lower credit card rate from NFCU? We have no other cards and have made no other inquiries. We are not in arrears on our account. Is this just a coincidence? I doubt it and I said so to Mrs. **. While she vehemently denied even the remotest possibility that someone from her department would expedite such a contact, I disagree just as vehemently. Whether someone has hacked into NFCU or whether employees might seek to enhance their income with a quid pro quo arrangement with boiler room type operations, I do not know. At this point, I cannot prove it. I am, however, going to ask my congressman to look into it. I have referred numerous people to NFCU over the years. I will never refer another.

After two days of checking my account status, I have found that on that third day, everything has been rearranged and transactions that cleared two days prior are no longer there! Instead, I find a $29 dollar overdraft fee for something that cleared the day I purchased it. Upon calling Navy Federal, I was told by customer service that when I make a purchase, it is cleared, but after 24 hours, if the merchant has not pulled the money, Navy Federal puts that purchase amount back into the account. Now, my problem is this: If after 24 hours they put that purchase money back into my account just because the merchant has not pulled it, then the available balance is not correct which causes overspending. This practice is beyond crazy. It is ludicrous. These account practices only make money for Navy Federal. The merchant gets their payment from my account; Navy Federal gets the amount of the purchase plus an extra $29 for my account being short.

Just for June and the first two weeks of July, Navy Federal has ripped my husband and I off in the amount of $580 dollars alone in overdraft fees. With this type of shady financing, why has no one done anything about this? I was always wondering how in the world I could be that far off in my calculations. Well, it's not me, not always, especially not the last six months.

I want to be reimbursed those overdraft fees. My husband's pay was drastically cut and I have lost my job due to a reduction of staff and hours. We cannot afford to give Navy Federal $580 dollars in any form, especially since I have never been granted a loan, overdraft protection or check card protection and I have applied for all three! Navy Federal is very aware that once an overdraft is taken from an account, nine times out of ten it is going to cause a domino effect which will result in several overdrafts! This is what they count on. I am forwarding this letter of complaint to Navy Federal, the Banking commission and the Federal Trade Commission. I am very prepared to take it to the highest levels if need be. Consumers should not be taken advantage of by businesses that claim to be of help.

I was told there is nothing that could be done; the funds could not be reversed back into my account not even with my mother's permission. I have learned my lesson. I will never surprise any family member or friend with a secret deposit, but I also have learned my lesson with NFCU. They don't value me, the member, and for that, I cannot and will not continue doing business with them. It's absurd to think they are willing to lose a member over $400. They knew the account was closed, but willingly took my money. It is disgusting behavior for a supposedly reputable organization.

I had to wait 24 hours to pick up my check because it had to clear their loan committee. I went and picked up my check and bought my vehicle, which gave me a lower monthly car payment and lowered the amount of debt I had significantly even though I never really had much to begin with. So after the check clears, they jack up the interest rate to over 9% saying that the vehicle was only worth $15,000 even though the loan officer told me it was worth over $19,000 verbally, constituting a verbal agreement between us both. Not only that the loan officer, who entered my vehicle information, determined the value of my vehicle and overall, the interest I would pay failed to do it correctly as verified by the loan officer I called and complained to on July 1, 2010.

I am pretty sure negligence on the part of the employee putting in my vehicle information and not taking into account the vehicles actual worth would be covered under Tort for business negligence. Any lawyers feel free to write me and let me know if I am right on this I would be glad to write and IRAC on the whole situation if you want. I am quite positive I am correct under the rule of law as to the negligence of the employee causing me pain and heartache and time to hopefully correct this situation. Not only that the failure of disclosure under the contractual agreements by the loan officer I conferred with would tell me they messed up there as well.

I now have to spend hours of calling and hopefully correcting the situation with these rude people who unfortunately I have been doing business for over 10 years. I feel my anxiety over the situation may lead to a panic attack.

I called weekly after about a month, I was told to be patient and given lectures about how a sheriff would put all my belongings on the street in front of my neighbors if I didn't pay my mortgage. I was given lectures about a short sale. After months of lectures from NFCU collections department, I was told my application had been put in the wrong file and was never looked at and as of Nov 2009 NFCU, no longer did mortgage modifications because their contract with Fannie Mae was not renewed. NFCU collections continued to call and lecture me about short sales and paying over $10,000 at once to keep my home. In March 2010, a collector after 10 minutes of being lectured, I asked a collector at NFCU about the modifications with Fannie Mae and she said I should apply. This was a shock since I was told NFCU did not do modifications with Fannie Mae. Another 50 pages of documentation was faxed to NFCU in March 2010.

After insisting to talk to the person reviewing my application, I was connected to Susan **. She accused me of not paying my mortgage to get a really great deal on my mortgage. I was at 6.675% and had great credit before my income was cut in half. Susan **'s theory was that I took a $50,000 a year pay cut and let my credit get destroyed to save $5,000 a year on my mortgage for the next 5 years. I'm a disabled veteran that had to drop out of high school because my family was extremal poor. I served my country for 5 1/2 years then went to school at night to get my degree. I've built the life my daughter deserves.

I'm losing everything because I'm having a rough time due to the recession, not because of some master plan to save a few hundred a month on my mortgage. Susan ** was just being nasty, her accusations did not even make sense, knowing she held my life in her hands I hovered and begged her to look at the documentation and see that was she was saying was not true. She said the modification was not guaranteed and why should the bank lose money for me. I explained the home next door sold for $100,000 less at foreclosure. She said they always sell for less at foreclosure and why haven't I considered a short sale. She was talking to me like I was doing something wrong by not considering a short sale as a back up plan, so I agreed to list my home. I called back every 3 or 4 days just to make sure my application didn't disappear.

After a month, I was told that the notes in the system make no mention of an application for a modification but did mention a short sale. I asked to speak to a supervisor, he informed me NFCU will not consider a modification if the home is listed for sale. After explaining that I wanted to keep my home and Susan ** badgered me into listing it, the supervisor suggested I submit, yet another 50 pages of documentation, I did so within 24 hrs on April 30,2010. It's May 15, 2010, I called NFCU to ask if my packet was in the system and collections informed me that I am so behind on my mortgage that only one person can talk to me Cheryl ** in the foreclosure Department. It has been 2 weeks, shy of a year since I first applied for a mortgage modification. In that year, I have never been told I was not eligible or eligible for a modification. 3 applications, over 150 pages of documentation. Nothing but extremely disrespectful lectures and games from Susan **, my guess is she is swamped with work and hates her job, so she miss places paperwork and if you call she uses you for her own personal punching bag. I pray she does not own any pets. She is a mean spirited cruel woman on a power trip. I may lose my home but I will survive, I once had nothing and worked for everything I have. I can do it again, when I do I will be that much stronger.

Susan ** will still be sitting behind a desk talking down to decent people in a desperate situation. I pity her, what a small minded human being. NFCU should realize some of their members having a rough time today will be wealthy in the years to come. NFCU does not have to help me but they should teach the employees to at least respect the members, poor does not mean less of a human being. Veterans do not hold any loyalty to NFCU, they are only loyal when your pocket is full, when it's empty you are trash. Return the favor and shop other banks for everything it's just business right. Loyalty means nothing to them why should it to you. Member since 1988. Broke 18 months and they will not even process my application for a modification. A federally enacted program a veteran can not apply for when in need. I will lose my home, being a block from my daughters school all her friends will find out about the foreclosure and it will humiliate her. I could make the payments under the terms of the modification. But after 3 applications, 150 pages of documentation, and almost a year NFCU does not think I deserve to even be considered. Susan **. if you read this you are not a powerful woman only small weak minded people bully the desperate.

Currently, I can see mine online as "pending" and it shows the date and the merchant's name. To me, this is common sense. Of course, if the transaction hasn't cleared quickly, it's up to the merchant. Navy Federal has no control over when the merchant processes their card transactions. The average for most merchant is two-three days on my account, sometimes even less. I, the reason customer service says to balance their check book, is because it is an account holder's responsibility. The problem could be resolved by calling customer service (they're very nice as a rule) and asking for an explanation of how the process works so when this happens, they understand it. A paper register works or account transaction software works as well as it's just an electronic version of a transaction register.

I saw complaints about collections and one person claimed they got called multiple times a day. I seriously doubt they got called 10 times on one account. That person very likely has multiple accounts, which are probably handled by different collections areas like credit card or consumer loan or Navchek. I know NFCU makes mistakes because they have screwed up on me before, but no company is perfect. I would also like to say in their defense that they are real sticklers about account security and I know a lot of people who work there and can tell you from conversations with them as well that account privacy is paramount. I was encouraged to set up a "code word" that no one but me would know so that anyone calling in would get no account-specific information without it which gives me a lot of peace of mind. When policies are changed, I have heard from more than one person that the first question asked is "How will this affect the membership?".

My only thing is I think they're growing too fast to keep that personal touch, but their service is much better than any commercial bank and their credit card security measures are some of the best in the world. They have many things most banks and credit unions don't offer such as Western Union, which can be requested by phone. I can't remember what the fee is, but I remember you can send up to $10,000 on the same low fee. The best thing anyone can do if there is an issue is to put their complaint in written form stating the facts in a way that makes logical sense and doesn't sound like ranting like some of the complaints I read and include what they looked into to resolve the situation, and why it didn't work. Write it and send it to Cutler Dawson in Virginia. I always say keep in mind if something is awry, what you did to understand why, not just get angry and pitch a fit because things didn't work out.

Make your statement and take action if after doing that and allowing yourself to be teachable about the situation and why things were done the way they were, nothing happens and you can tell from what you learned that policies weren't followed. If policies were followed, address the policy with the President in writing. I know from an employee friend when they temporarily stopped paying dividends to the free checking and members wrote stating their issues with that, NFCU reversed the change and are back at paying dividends again to all checking account types. Anyway, that's my opinion. I also have a mortgage there and know people who do and I think the problems one person was describing about getting a call the day before closing that they don't get the loan without proof of income is probably because they didn't supply adequate information.

If they have the income, then what's the problem? The credit union issues a letter once you're "credit-approved" for the loan and the documentation is necessary to meet the underwriting requirements. We had to supply a lot of bank statements and pay stubs, but this is the exact explanation I was given by my loan officer. I'm not saying NFCU is perfect, but I think the problems are massively outweighed by the good and reading some of these complaints, it is kind of obvious that some of the people caused their own stress by not listening or not complaining to the right people.

It has been a rough 2 years. My Nav check is behind. I explained the hardship they did not want to hear it. They call me 3 to 4 times a day, starting at 8 in the morning until 8:45 pm at night. I have talked with no many representatives there, but they never update their logs with information I've given them, they just keep calling; supervisors and collection representatives.

For a company that supposes to be in the business of helping the consumer, they do the opposite. They destroy them. And don't care. They are threatening to take my vehicle if this is not brought up to date. A rep came to my home during the day with a letter for me to call them. I have been leaving messages now for the last two days and no return phone call. This company has got to be dealt with. The consumer needs relief from an institute like this. Where do we get the help?

Liabilities total: $8,988 (with a $293.00 monthly commitment)

First lien on property identified as taxes.

I recently tried to obtain a loan modification (due to inability to continue making payments when my income is far less than my monthly expenses, as provided on my application). In my request for modification. I submitted financials at income $4931 (includes rental income of $2375), expenses $10684 (includes rental property PITI and living expenses--gas, food, electric, etc.).

So, I was confused when I was denied, as it is not that much different than the original application (especially considering $6400 of the expenses is for my primary residence which I am not paying and is going to foreclosure).

NFCU rejected that application because they claimed I have too much equity in the property. The comments from NFCU president Cutler D. and VP for lending Jack G. about NFCU's willingness to help its members are not supported by the actions of the loan committee. If you want to refinance, save yourself time and effort (and the $250 fee) and take your business elsewhere. After 30 years as an NFCU member I'm looking for another place to put my money.

After repeatedly telling several collections agents from Navy Federal Credit Union that I am in the process of filing bankruptcy and giving them my lawyer's information, Navy Federal continued to contact me. I wrote them two letters stating that any communication regarding my accounts must now be directed to my lawyer, as I had stated in our phone calls. Not only do they continue to contact me, but they have also sent written communications regarding my debts to several family members and have contacted other family members by phone. I have asked them to stop contacting my family regarding this debt on several occasions.

They sent a representative to repossess my motorcycle and harassed my 11-year old daughter who was home alone at the time. The man looked through my front window when no one answered the door and saw my daughter and insistently motioned for her to open the door. When she did, he stated that he needed to speak to an adult and she told him that one was not available. His tone turned belligerent and he insisted that she try to call someone because he needed to repossess her dad's motorcycle. As soon as he walked away, my daughter hid in her room because she was so scared of the man and the way he had spoken to her.

The latest phone call received from Navy Federal was December 5, 2009 at 8:45am in which the agent said that they will look into garnishing my wages, repossessing my motorcycle and possibly my truck even though the title of my truck does not list Navy Federal as a lien holder. I told the representative about the bankruptcy and to contact my lawyer but she was indifferent to the information.

20 days later, the funds had still not been returned. I contacted the bank and all of the fraud representatives were far from helpful. No one seemed to know what was going on. I then drove down to their office that is approximately 30 minutes from my house. I requested to speak with someone in person. After waiting for about 10 minutes, a lady (Terry **) came out into the lobby and asked that I follow her. She had all of my account information and asked that I show her where the issue occurred. I showed her the dates and the amounts. I then showed her the overdraft fees I was charged. She told me that she would have my money back into my account by the next day and have my overdraft fees reversed and credited back. The next day I received a call from Terry. She stated that she had good and bad news. The good news was that she credited my over draft fees. The bad news was that the money taken from my personal account was placed into my ex-husband’s account.

I told her that was illegal. I am a deputy sheriff in VA and I am well aware of the laws. She then told me that he closed his account with them and they could not retrieve the money. She said I would have to get it from him. When I started questioning the issue, she became very rude and told me there was nothing else she could do for me. I asked to speak with her supervisor and she said she would have him call me. I never received a call. I attempted to call their office twice but could not get in touch with either individual and no seemed to want to give out information. I contacted my ex-husband who told me that he knew the money was put in his account, but he was waiting for me to tell him the amount.

He had given me money the previous week (after he received the funds) and made it seem like it was for expenses with my son. I come to find out he had been asking Navy Federal information regarding my account and Mr. ** was relaying it to him. I am the only person on my account. My ex-husband has never had access to the account. My ex-husband refused to return the money and this is where we stand at this point. I just feel that Navy Federal should be penalized for giving out account information to people not on the account and also for depositing my funds into another account. Your opinion would be much appreciated. I am a single parent, so every penny helps.

Then on a different day, I had another guy tell me that they would call me as much as they want until I make a payment arrangement with them to pay on my credit card. I explained to him that I am unemployed and I still have not received an unemployment check and that I have been waiting for a check for 2 months and that the unemployment department was having me wait longer and I have no money at this time. The guy did not care; he said that they will just continue to call me.

Then today, I spoke to another guy. I explained again that I am unemployed and have no way of paying right now because I am waiting for my unemployment check. He told me that since I am refusing to pay them what I owe, then they would be taking me to court. The credit card is 27 days late. I have also asked them to stop calling me so much, because I start getting calls from them since 8am up until 9pm everyday 10-20 times a day and that no matter how many times they call, it will not change the fact that I have no way of paying. I have also explained to them that I am 6 months pregnant and they are stressing me out by calling me so much.

As a consumer, I know I have rights and those rights will not be violated by any credit agency under no circumstances, shape or form. I've tried addressing this at the supervisor level with them but it continues to occur. My request here, can you assist me in this matter? Thank you for your time. Consequences: mental anguish and stress, dealing with financial hardship as we speak and they continue to add stress by harassing calls.

It took an additional 5 minutes for her to complete this task. Here's the thing about Navy Federal. It takes forever for their tellers to do anything. It's like they have sucked all of the life out of their tellers. It's almost like they are not able to think for themselves. The amount of "guidelines" they are required to follow makes the tellers rude by being stressed and they waste the customer's time and make the customers upset by having to deal with the now rude teller. Get back to basics and let your tellers think for themselves. I have read quite a few of the complaints on various boards and Navy Federal has a big problem and they don't seem to care. If they did, you would be able to email them about it from their website.

The dates that were available were at least a week or more away. The result was many late auto payments, getting calls at work from my creditor and then having to call NFCU to see why the bill had not been paid. It was as though it never happened, even though we had confirmation numbers. So, I would make a payment over the phone to the creditor and the next week, usually two weeks after the "scheduled" payment and after I already paid them again, the charge would finally come out resulting in double payments and us going hungry until the next payday. This happened three separate times with the car payment and finally we stopped using their scheduled Bill Pay.

We would also use it for other monthly bills that would show up on the account as paid, but the money would not be taken out of the account and we would call the companies and ask if they had received payment. They would say no, but a week later they would receive the payment. Lastly, with their so-called debit cards, we cannot use them as debit cards and have to have them processed as credit. Typically, we can order pizza with these cards, but we can’t use them at any military base unless run as credit. Yeah, that might be the problem with MCCS, but I think it belongs to both MCCS and NFCU. Automated services (like Bill Pay) will not take the card and we have to call and talk to a service rep for our bills each month.

As time went on and I began using NFCU more and more in my day-to-day life, I noticed how strange their checking account service was. It takes an extraordinary amount of time for a transaction to post to NFCU's accounts. I watch my money very carefully, checking my balances at least once a day. Throughout the transaction clearing process, transactions will actually appear, disappear, and then reappear to the account, along with the money you spent, making a graph of your account balance look like the rocky mountain peaks!

This was an especially irritating problem while still on active duty. To go to an ATM and see your available balance at one number and withdraw money based on that number, well, let's just say for young sailors living paycheck to pay check, overdraft fees from NFCU are very common and crippling. They also have no sympathy, when confronted with the problem. Their response is to tell you to balance your checkbook and not rely on their software, but shouldn't you be able to rely on your bank to tell you an accurate account balance?

The most perplexing aspect of the scenario is how they handle the problem and how it continues without being addressed. I wrote NFCU directly and threatened to go to their regulator. In return, I received a phone call from someone at NFCU. It was a man, who seemed very angry and annoyed that I would question NFCU's account practices. He explained that they knew about the problem, and he was surprised I noticed especially the part about the transactions disappearing and reappearing. He said most people never figure that out. He told me I should balance my checkbook, and that was that.

I am no longer on active duty, and overdrawing my account is no longer a major concern, but a bank operating like this is. I have read other posts like mine and asked my self why this person is complaining and why they don't just use another product. And why doesn't everyone stop using NFCU? Up until today, I couldn't figure out why there was not more outrage over the largest credit union in America doing business this way. Then I figured it out. It is the emotional attachment. They have a monopoly on the military and on emotions.

After being in boot camp for 3 weeks, we are all miserable and marched into a room to choose a bank. We have 3 options. Option 1, use our bank from home. To do this, we need to have a blank voided check. The catch is on the night of arrival, they take everything. I mean everything, including your underwear, away from you and ship it back home. So most people do not have a blank check from home. Option 2, Armed Forces Bank. Option 3, NFCU. While it is not a complete monopoly, there are three choices; but one of those choices is not a plausible choice. While the other two are plausible choices, it is still a joint monopoly.

We are miserable and lonely, and we are brought into a room filled with beautiful bank tellers selling their banks to us. At that moment, we become emotionally attached to that bank for the rest of our lives. We automatically associate them with something good, whether we realize it or not. No matter how terrible the service or product, the bank has a steady stream of ready and willing customers marched in daily and handed the paperwork. How can they ever fail? Why would they ever change?

I got the exact same loan approved and completed in a few days at Coastal Federal Credit Union, which is also very conservative group. The difference is that Navy has its business handed to them on a plate. They do not need to be competitive. I guess military folks do not mind because they are used to the huge juggernaut of the military and do not expect knowledgeable, courteous, efficient staff. Therefore, these people stay in business in spite of themselves. Unless you have nothing at all to do with your days and enjoy aggravation, please look elsewhere for your mortgage needs.

This is very unprofessional, because i know that i did NOT sign any loan. the only loan i do have now is for my mazda 3!

Well i needed a car because the one i had was breaking down on me and i have wanted to purchase a brand new car since i have never had one. Well now that loan is about 3 months past due and it is on my credit when i never signed anything or authorized anything. so my car payments are ridiculous and insurance is outrageous! I cant get credit cards or do anything that involves pulling up my credit. it has put me on an emotional rollercoaster, and i am constantly stressed!

07/06/2004 POS Transaction $25.00-

07/06/2004 POS Transaction $22.83-

07/06/2004 POS Transaction $21.35-

07/06/2004 POS Transaction $5.49-

07/06/2004 POS Transaction $3.38-

07/06/2004 Ret Check Fee 0596 $20.00-

I had a bank wire set up and sent to the bank that should have posted on July 6th. If they had been on top of things, my wire would have posted, and all of those items would have cleared.

However, they sat on my wire until well after the close of business on July 7th, 2004, and then charged $160.00 more in fees. 3 checks were returned that would have cleared had they posted my wire in a timely manner. Some of the items that they are charging $20.00 fees to deny are purchases in the $3.00-$5.00 range. Their fees are extravagant and frivolous.

1) Application Received: 07-04-2004 07:07PM PST

2) Application Confirmed: 07-04-2004 07:07PM PST

3) Approval: 07-06-2004 06:07AM PST

4) Funds Sent to Bank: 07-06-2004 06:07AM PST

You can see that Navy Federal did not put the money into my account until:

07/07/2004 Deposit UNITED CASH $200.00 , and late in the day at that (I'd been checking my balance frequently over the last two days)

$180.00 in fees to date, + returned checks. I contacted them on the 6th and the 7th, and they have ignored me. I expect to be charged $40 for to more returned checks shortly, since they have not responded.

Mid 97' complaint filed with state AG. Also asked for proof that first loan was not rolled into second. At one point colletor actually told my wife that our losing our home would not be his problem that we should go to the Red Cross. After asking for proof of debt, we stopped paying because no proof was forthcoming. They were also put off by complaint with state AG.

Final contact with collector, he stated fine, but you are the one who will have to live with this on your credit for seven years. Now, 3 years later, Navy Federal is coming back again, acting as if there was never anything done.

We have lived through and NOT filed bankruptcy. We have lived through 8 years of credit hell.

I settled with other creditors, but NFCU was determined to destroy us, or so it seemed. My credit was destroyed for a long, long time. Now suddenly, NFCU rears it's ugly head after their collector gave us the impression that their efforts were over and we would have to live with the consequences. We did, and now they are back!