Warning to those who want to join Navy Federal Credit Union!!! If you've had any dealings with them that resulted in something owed to them (e.g. you had to file bankruptcy and their credit card or loan was included) you won't get a loan from them. Oh sure, you can become a member and deposit your money though. This way, they can USE your money while not giving you much of anything in return. Pretty much, a worthless membership. Their 'approval' committee sure doesn't give you consideration. Don't be duped, DON'T join!!! There are MANY other credit union options out there!

On my understandig, once you received the new card, you have to call to activate it. ..AM I RIGHT?
NCFU dactivated all my checks cards, regardeless I havent received the new cards yet. I AM SO FRUSTRATED THAT I HAD ALREADY PUT A STOP TO MY WORK DIRECT DEPOSIT CHECKS and I DECIDED TO CLOSE ALL MY ACCOUNTS WITH THAT INSTITUTION..
Acouple weeks ago, I went to the bank and changed my single last name to my new married to all my accounts. To my disbelieved NFCU had actually deactivated all my cards without being notify. I found out 2 weeks later, whent I went to do my nails and my personal check card (which expired 2014) didnt get throught, it was a mistake I thought (there is enought money on my account plus direct deposit from work )I told her to try again... and it WAS DECLINED... IT WAS EMBARRASING... my nails still wet to make phone call so instead I decided to use my join account card...WICH WAS DECLINED TOO. IT WAS FRUSTRATED, I called the bank and a female representative verify my information and new exactly were I was /according with the rejected transaction. She TOLD ME THAT MY CARDS WERE DEACTIVATED SINCE I CHANGED MY LAST NAME. I told her << YOU CAN NOT DO THAT, I HAVE NOT GOTTEN THE NEW CARDS YET... YOU NEED TO HELP ME>> her answer was <<WAIT UNTIL THE NEW CARD ARRIVE>> I answered << YOU DONT UNDERSTAND, I HAVE TO PAY FOR SERVICE DONE, NOW>> Her answer was <<PAID CASH>>. I didnt want to deal with her anymore, SHE WAS A STURBBON PERSON THAT IGNORED MY SITUATION. I told her that I want to speak with her manager, she put me on hold and then got desconected.

Navy Federal Credit Union disable my Electronic Banking, Web access to account information, access to ATM and Debit or Credit Card transitions. This was done because two of my loans with them that were on time, got caught up in my Bankruptcy with HFC and they never informed me that this is what would happen. This was after I talked to them about it before the Bankruptcy went through and before we talked to the Trustee. They just cut off access with no word or warning that would all me time to setup another bank account with another banking institution. They have left me with 1950's banking where I have to go into a Branch to get money from my account or find out what my balance is and what is going on with my accounts. I do not understand why in the Electronic age that a Credit Union that services Military and Retirees would cut off their Electronic banking access for a court discussion that is beyond the control the account holder, the least they could have done is giving so type of warning about this policy besides just cutting off access without any warning.

In October 2010, I requested to refinance an existing mortgage with Navy Federal Credit Union. The process was the most miserable experience I have ever endured. Despite the fact that they already hold my mortgage, the underwriting committee procrastinated with a decision for more than two months. When they finally gave me loan approval, they told me that I had only two days to settle before the rate expired. My settlement attorney was out of town. When they extended the loan approval, they increased the rate by 3/8% and increased the discount points to 4 5/8!! Obviously I did not accept these terms. I have been a NFCU member for more than 35 years, and they treated me like deadbeat scum. (My credit score is 785, so I don't deserve their disrespect.) The whole process cost me $850 for application and appraisal fees, and the lost opportunity of good rates from other lending institutions who might actually want my business. Did they intentionally delay loan approval until the rate expired? I guess I will never know whether to impune them with malice or incompetence. I just know that they have lost a very loyal customer. Don't believe the television ads. They do not care about their members.

I have been a member with NFCU for quite sometime now. 6 or more years to be exact. I have a checking and saving account. My brother is an authorized user of the account. He went into the branch to apply for a loan. He was advised that he needed a co-signer. He then applies online. He used my information: name, and access number I believe. Well, NFCU stated once more he needed a co-signer to get approved. Anyhow, they sent the promisary note via mail for me to sign. Needless, to say the note was never signe but NFCU processed the loan anyhow. Mind you this took place Aug. of last year. Well a year later, two weeks ago to be exact I go to cash my check. The rep. states that she is not capable of cashing my check because I have a loan in default. I state that I do not have a loan. I go into the branch to talk it over with a member service rep. She calls collections (i believe) and they state that the promisary note was never signed but they processed the loan application anyhow. Since our accounts are linked together, and I'm a co-signer then I have to make a payment. Well I tell them that I was not aware of this loan and if my signature was not present how were they able to promise the loan. So I signed an affidavit and my file was placed under fraud investigation. My check was deposited into my checking acct and NFCU transferred my money to the delinquent account. Moving forward, I spoke with several different reps/supervisors and no one can refund my money until the investigation has been closed. WOW! NFCU has strict guidelines to follow. I can't seem to understand how they take extreme precaution to ensure identity theft is not committed but these same guidelines do not apply to their reps. How is NFCU able to process a loan that needs a co-signer without their consent. My signature was not on the loan and regardless if our checking account is tied together, no signature qualifes as no drafting of my funds. I'm burnt out physically and emotionally because they (NFCU) took it upon them selves to process a loan application without my consent. Now I have to fight back and forth with collections, fraud, and the banking center to have my funds replinished. How can you all post a site stating your mission, commitment and so forth when they do not live up to their own standards. I am willing to contact an an attorney to get my money back. No one has appolized or owned up to their mistake. I'm willing to stay calm if someone would atleast say: Ma'am we dropped the ball and we are willing to do any and everything in our power to resolve this issue. I am out of my money, they refuse to put it back in my account until fraud closes the investigation. I have worked for customer service and collections with numerous of companies. My complaint is NFCU refuses to replish my funds and take ownership. They want me to file a police report (in which I don't mind) against my brother but the issues still remains. NFCU processed a loan with out the necessary paper work. They have committed fraud just as well as my sibling. But in their eyes, it's company policy to process that individual and not them because they have done no harm. WE ARE ALL HUMAN THEREFORE HUMAN ERROR DOES TAKE PLACE. If only they could see themselves in fault and take ownership. I'm still fighting to have the outcome result in my favor. I'm not asking for them to bend the rules. I'm asking for them to be honest with themselves and correct the manner in which they created. I guess I am just another whinning customer who does not take responsibility for their own actions. Moving forward I will no longer do business with this credit union. They are cruel and heartless. I wish I could go into their bank accounts and withdraw money because I felt like it. If only they could see the wrong in which they have done. But yet again, that's like asking Jeffery Dahmer, did he mean to eat those humans???!!! *sigh*