Navy Federal Credit Union

I am writing this message for all the people who reading this and request them to create awareness amongst others.I have been a navy federal member for 2 years now. I traveled to Turkey for the first time this year. I called them to let them know that I will be traveling and will use my credit card to transact cash there and the person I spoke to confirmed I can use it internationally. I am also in the security field and know very well how to take precaution. I took a phone that is cheap and avoided carrying any of my cards except the credit card the bank said was good to usd in Turkey.

I arrived to Turkey and within 2 days they declined my credit card transactions, which is fine because email said I should contact the customer representatives immediately if that happens. First customer representative I spoke too, was Karen, she was supervisor and she gave me misinformation saying my credit card declined because I exceeded 600$ USD when that was not true. I had my transaction history to back that. She also told me that my credit card should be working with 24 hours but to my surprise she blocked my mobile bank access and my case ended up in the fraudulent department for security audit.

Then I spoke to 5 or 6 representative that misinformed me and lied to me like how Karen did. One of them told me that I need to submit a hand written request to verify myself to *******@navyfederal.org then I had to wait for 24 to 48 hours. They rejected my hand written request twice despite me telling them I have a cheap phone that I am carrying for security precautions while traveling. One of their representatives told me that tier 2 will resolve my case within an hour. The next agent told me it would take 1 to 2 business days. Then the next agent saw my notes on the account and hung up. The next agent told me she cannot wait 10 minutes on the call to help me, the next agent told me that I should contact at 9 am to 1730 EST hours, when I contacted during that time, the agent I spoke to kept me on a 42 minutes hold and told me to resubmit my request. I requested I be sent to supervisors but she refused and said I wasn't authenticated when she verified me using my social security and date of birth. I have information I was willing to provide such as my passport number, my social security, my drivers license, my transaction history to verify myself and they rejected all my plead. As you may notice a pattern all these representatives are incompetent and have no idea what they are saying to me. One of their agent told me that "Is their something else I could assist with" when she has not even addressed or listened to me becoming a street walker trying to survive in a foreign country. I spent 24 hours on foot no hotel, no food in Turkey with Navy Federal turning their back on me. I was fortunate enough to cash out some of my cryptos for Liras to survive in a hotel but for the next 9 days in Turkey I am surviving on whatever I can find to eat. I am well off on my finances yet this bank refused to give their customer (me) access to my account and my money. This is a perfect example of how terribly incompetent and robots that work here. When I asked these representatives the same question "What do I do in Turkey with no access to my online banking and my credit card" everyone except one supervisor told me they do not care and the security of the customer is important meaning when I am willing to provide passport, driver license, phone verification, email verification, and even social security they refused to accept all forms of verification and told me to $#*! off. 5 days it has been that I am trying to survive in Turkey. If anyone is a lawyer reading this or know a lawyer, and find my story as a lawsuit please do share my story, so I make sure this bank does not traumatize another customer in a foreign country. You all must have noticed their security mechanisms are full of crap and you may have noticed from my story that these people do not know how to support their customer in need. They do not have a severity pace setup for such situations nor are these agents willing to help you. If you are the owner of your bank account and have the authority then ask yourself a question why does this bank account revoke access to the owner itself and your own God damn money in the name of stupid verification that takes 5 plus days to review over some bull$#*! reasons to reject my pleads. Please pray for me that I reach home safely and do not end up in a bad situation, I have 8 days more to survive in Turkey and three other people with me.

It took NFCU 7 months before finall6 finishing my refinance. I answered the same questions 4 times and filled out the same paperwork over and over. I dealt with six people and there seemed to be no direct accountability. I filed 2 complaints with the Consumer Financial Protection Agency and 1 with the BBB. I WOULD NOT RECOMMEND THIS BUSINESS FOR MORTGAGES! The banking aspect seems to operate much more efficiently.

Currently, I have been a customer at Navy Federal Credit Union (NFCU) for over 10 years. I was a previous member in the late 90s; however, I fell on hard times, and the consolidation loan I was approved for went delinquent to the point of bankruptcy. The loan was included in the bankruptcy but the bankruptcy was dismissed. When dismissed it was written off and has been for 13 years.

On October 4,2022, NFCU withdrew $352.00 from my checking account without notice or explanation. When I called to discuss this matter, I was told it was for the written-off debt and they could do this. Of course, I withdrew all of my monies from NFCU and put it in another bank.

I wrote their corporate office in Virginia and received a voicemail from Mr. Beuzer. I returned his call the next day and several days later but I haven't received a call back since. I filed a complaint with Consumer Financial Protection Bureau and they are working on the matter.

I believe NFCU should have notified me of the intent to deduct funds from my account for this debt before doing so, especially since the statute of limitations for the written-off debt has passed.

The craziest of this situation is they let me open an account, and gave me an AMEX card with a $25k credit line and an overdraft line of credit of $500. Just be careful with NFCU.

I was looking for ways to improve my credit. I ran across FIXMYCREDITat WRITEMEd0t c0m. After hearing their story I purchased their Ebook and the information has helped me tremendously and also saved me more funds from other credit companies. It's great knowing that we have people like that helping people learn to repair our own credit at a low cost and get the same or better results.

Customer service mislead me that I would qualify for lower interest credit card. Instead I have been charged high interest rate on purchase and balance rates. Ridiculous. Can't wait to get rid of credit card payment and shred up all credit cards. Credit cards are a waste.
Joke of dividend low rate on checking and savings.

Hard to beat credit union. Between navy federal and usaa I would go usaa. Though, navy federal is better than everyone else.

Recommend for IN PERSON services only. For that stuff, they are amazing. The fine details and other things, just an average to poor, infuriating bank.

It is sad that even the credit unions are becoming detached and impersonal, these days. I love my home branch though, but do hate the 800 number, they can be very attitudinal and I lose my cool at times. It can be stressful and counterproductive. They have good credit cards and have been great on helping me repair my credit after a Ch 7 bankruptcy.

Their app is excellent and you can do almost every banking function from it. Difficult to resolve unusual issues with tech support.

I requested that my bank step in to get my money back when I realized Waistshaperz was not fulfilling their agreement to have my items in at the time I paid them to deliver it... I contacted Navy federal in early April to try and resolve the situation. I contacted them on 3-4 different occasions and had only received a message saying they're basically looking into it... from early April to literally TODAY... I receive a letter stating, we've resolved the issue now that the company sent your items 2 MONTHS after I ordered them...

They literally sat on the issue giving the company all the time they needed instead of stepping in like they were supposed to.

Horrendous customer service!

Just exploring my options in order to refinance my auto loan, I decided to see what Navy federal would offer.
In my experience, I learned that even with very good credit and good individual payment history, navy federal would not approve me for a loan because of my ex spouse fraudulently taking out previous loans on my account when I was overseas.
Because of this, I would never conduct business with navy fed again. Everyone should be considered as an individual and not penalized for anothers actions period.