Due to financial hardships I got behind on my vehicle lease with Navy Federal. I made arrangements with them, set up an allotment to pay the lease directly. All was fine for about a month and two days before they were going to get thier payment, the repo guy shows up. Now, ok that was my first issue, now I contacted them the day after to arrange for payment to bring the accound current and recover the vehicle. The Navy Federal employee then tells me that they will not give me the vehicle back since they no longer do leaases anymore. Now, State law in Michigan requires them to give me fifteen days to recover my vehicle. I am contacting an attorney and will do what I can to get my truck back.

Navy FCU is one of the worst banks I have ever placed my money in. They are extremely rude and have no concept of customer service. My first issue arose when we applied for a mortgage. They assigned me to a loan officer in a completely different state. The loan officer was never in her office. I called constantly to try and talk to her and ask questions and never received a call back. I finally gave one last attempt after a month of this, and she was in her office so they placed me on hold for 30 minutes. The line got disconnected and when i tried to call back the office was closed. So I called the corporate office to file a complaint, and they told me I would have to wait until the next day when that office was open again. I cancelled my request for a mortgage loan due to the fact that I would not trust A sum of that much money with someone I can't even get a hold of. My second issue arose when I was checking our account online and our balance showed a large amount more than what I had written in my check book. I checked again the next day and again it was different but this time much less than what I had recorded. again, the next day I checked our account and it was back to a larger sum than what I had recorded. I cannot trust what they have on the computer, it is inadequate and probably why a lot of people warned me not to open an account with Navy Federal Credit Union. Navy Federal has horrible service and absolutely no organization skills.

This is just a Suggestion from Personal Experience I would never Bank with Navy Federal Credit Union they are run by a bunch of Morons I have been a victim of Identity Theft since 2000 when I got out of the Military traveling via Greyhound Bus they lost all my luggage. Went to switch Buses in Kansas and went to get my Luggage from under bus but wasnt there Bags had all my Military Discharge Papers (DD214) which pretty much has a persons entire life history Since then crap getting on my credit report I dispute all the stuff that isnt mine and for every 1 thing I get deleted 4 more popup Well come Middle of 2008 credit has for most part been cleared up and I have a Extended Fraud Alert on my Credit Report (what is a extended fraud alert it means that any creditor is suppose to call me on number listed on the fraud alert to verify that it is in fact me applying before extending credit) well come middle of 2008 I went to apply for home loan and come to find out there are 2 $5, 000 Maxed out Credit Cards from Navy Federal Credit Union in my Name that I Never Applied for, Never Received, Never Used. So go home check my bank account and sure enough there is 2 Credit Cards on my NFCU Account and they have been stealing money for the past 6 months out of my Checking Account to pay for these 2 Fraudulent Credit Cards. I have now been working for over a year and a half now to get these cleared up and removed from my Credit Report as trying to buy a house but nobody will give me a loan with this $10, 000 in Debt that fucking isnt even mine I have opened Police Reports sent them to Navy Federal Credit Union Navy Federal Credit Union has failed to show me proof that these are in fact my debts I have requested numerous times them Fax or Mail me a copy of the Signed Application but nope havent sent me anything WHY? Lets see cause they dont have a application with my signature since I never applied for the damn things. So I now gave them 10 Business Days to supply me with said signed application or to immediately remove from my Account, Credit Report and Refund me all the payments for the past like 2 years or I will be filling a Lawsuit under the Fair Credit Reporting Act Well they now have 24 hours left but since court house is closed on weekends they got until 9am Monday Morning I have also submitted my story to numerous news agencies who are willing to play my story on the news So if not resolved in 24 hours expect to see them on the News as well.

If you to have had any problems with Navy Federal Credit Union please let me know.

Navy Federal has gone from a "member-first" philosophy to a "cover-our-ass" paradigm in the past few years.

My problems started when they changed their policy on their ShareDraft Visa card. It used to be that the account would be debited from the account when the transaction posted. Now they backdate it to the time the card was swiped. Why? To collect more fees, of course. Even if you swipe the card, put gas in the car, get home and transfer the $5 difference 5 minutes later... when that transaction posts you'll get the $25 fee. WAIT, it gets better. That $25 fee will be BACKDATED, so if you went to, say, Starbucks, the supermarket, and drive-through and used your card... you'll get another $25 fee for EACH transaction when they shoehorn the backdated fee in. Even if your account never went below $0. Why? Well, that is how CEO Cutler Dawson makes his money. How much money does he make? You won't know as a member and part-owner of the credit union because they fear that kind of transparency. But I digress...

Know what is interesting? Many places don't let you use it as a debit card, only credit. It was explained to me that this was a choice made by the card issuer and not the merchants' systems. Now, why would they restrict that usage? Well, it's hard to rack up overdraft fees if folks are using their PIN number and the money is coming directly out at that time. Do you think NFCU would deliberately set up a system that would make them more money?

I've read many of the complaints about Navy Fed on this board and have seen the responses from alleged employees of NFCU. Maybe they are the same people who revel in schadenfreude at the folks on here who lost their jobs and can't pay their bills. Maybe they were involved in the lawsuit NFCU lost when they continued to harass a former member:

http://www.newyorkbankruptcylitigation.com/2008/01/14/navy-federal-credit-union-violates-automatic-stay-must-pay-over-13000/

Maybe they are the ones who look at my account on their computer screen and talk to each other in Tagalog so I don't know what they are saying. Maybe it's the supervisor who, after only refunding half of their ill-gotten fees, offered to "take the money back out if I don't like it".

Maybe, just maybe they don't realize that the unprofessional behavior they exhibit here and the vitriol they spew is being presented to the world. This undoubtedly will make their corporate overlords unhappy, but they don't realize that they are only small cogs in a giant money-making racket that chews up the little guy. So I can't really blame them for what they don't know.

Final words of advise, take it or leave it: Avoid Navy Federal. Find a small local credit union that will treat you well, kind of like how NFCU used to be.

I received a mailed notice that my IRA was going to mature in April. I called NFCU after receiving a written notice well in advance of the maturity date (more than 3 weeks ahead of maturity) and selected a 30-month 4.10% rate that they were offering.

When I reviewed my account last night, I saw where NFCU did not honor the rate I selected, but instead renewed my IRA for its original term (5 years) at a much lower rate of 3.3%. I was never informed via phone or email or U.S. Mail that the renewal was not going to be what I selected.

I called NFCU to inquire what happened thinking it was just an administrative error but was told that the 4.10% rate "expired two weeks before my IRA certificate matured." I asked why I was not informed and received no viable answer except that "the customer service person who assisted me didn't know what the expiration date was." Baloney! I insisted on speaking to a supervisor but "she was busy." I asked to be connected to a manager, but that person "is not available." I then asked to be called back and now, more than an hour later, no call back.

This is a BAIT AND SWITCH tactic as far as I'm concerned. At a minimum, NFCU should have called me before the certificate matured and stated that the 4.10% rate was no longer available. I certainly would have NOT chosen to renew to another 5 year term at a low rate.

These are deceptive practices and NFCU should be ashamed of itself. If they do not resolve this, a complaint will be filed via NCUA.