Customer ReviewsforNavy Federal Credit Union

I applied for a refinance on June 30th. Since then, I have only spoke to the loan office ******** twice to this day. *** reached out him multiple times via email and left multiple voicemails to no avail. I last spoke with him on Friday after requesting a supervisor, he all of a sudden was no longer busy. I called today and requested to speak with him for an update, and to confirm if he received my IRA ***** documents because I forgot to provide my investment and cd account info (he never responded to my email I sent him over the weekend with those documents attached) only for him to relay a message to the representative that my application was denied this morning. He said he was unavailable to talk because he had an upcoming call. I spoke with a supervisor who said I can file an appeal to have my *****s added but at this point, had he read my email, he would have been able to include them saving everyone time. I did a refi with another company a few years back and it went so smooth, no issues with contact. I will attempt to use Navy Federal again for any kind of mortgage. Their communication really ***** and I doubt their loan officers even care if you speak to their supervisors because they do what they want.

I am changing my bank as soon as possible, these folks hung up in my face after asking for a courtesy removal of the overdraft fees due to the passing of a family member. Y'all need better customer service immediately.

On Friday, June 28, 2024, I have spoken to ************** which are supervisors. They both gave me two different answers. I knew they were not being forthcoming because the answers would have been the same. They both are unprofessional. They yelled at me and disconnected **** had my "protected funds" deposited to my account on Friday, June 28, 2024. Navy Federal refuse to relinquish my money. I have a financial obligation with them. I have informed them a number of times that I am on a fixed income and will let them know when I can make arrangements. I said I am unable to eat if the funds are not released today. I even said under duress that I will make a payment arrangement so that I can eat. I knew I still was unable to make the payment without hardships but I wanted to eat. The way I understand it, they are not suppose to hold my protected funds. The matter is still unresolved. No wonder they are #1 for the WRONG reason, having the widest racial disparity between ************* approval rates for mortgage home loans. That's more than any other financial institution.

I used to think that Navy Federal was one of the best credit unions out there and boy was I wrong. I switched to this bank from another credit union because it does not have any local branches here in my area. HUGE mistake! Since Ive been w/ Navy Federal Ive been fed misinformation about my direct deposits and told I would receive them earlier than I did. And then it goes from bad to worse! This bank has moved my money and applied it to my credit card and auto loan without my permission. Just because a payment is late-it doesnt give the bank the right to move a customers money without at least trying to resolve the account with the customer first through some sort of payment arrangement or something else. We fall on financial hardships at times and have to prioritize OUR MONEY! This bank will literally inconvenience you and put you into even deeper financial hardships. Find another bank and avoid this bank at all cost! I will be switching banks asap and getting my money out of there. And if I didnt have my credit card and auto loan with them then Id close all accounts immediately. Also the representatives need more training. I cant tell you how many times Ive been told 200 different things in reference to the same issue. Better professionalism is needed as well. Signed, ******* Veteran

Has completely gone down the drain post covid, NF is more like a banking institution than a credit union. They dont even have a dispute team members cab speak with. They could care less about their members.

**** so awful. My husband, mom and I have accounts inclusive of ********************** cards. Recently my mom tried using her credit card to make a purchase, having forgotten that she had not yet activated the card. After trying to purchase item first 2 times, we discovered that the card hadn't been activated. By the time it was activated, it had locked seeing that it seemed like fraudulent action. Which is fine. We proceeded to call ****. The Rep. that answered was very professional and courteous. My mom explained the situation to the rep., the rep. ******** what my mom told her. She then asked to verify some information before proceeding. This was done. The rep. then suggested that my mom speak with someone form the fraud department, to inform them of the mishap so we won't have this issue again, my mom agreed. My mom started explaining the mishap of what happened to the rep. in that department. The rep. proceeded to ask verification which is protocol. However: Upon acquiring my mom's age(88), she stated, "You don't sound 88." Really, so because my mom was not demented and spoke intelligently, SHE DIDN'T SOUND 88!! The rep. proceeded to ask more verification questions, which were all answered and confirmed. She lied and told my mom that multiple devices had accessed her account. That was a lie. She told my mom to go to the bank with her I.D to verify who she was. She was informed multiple times that this was DISCRIMINATION! As she was doing all of this because my mom DID NOT SOUND 88! The **** rep. **** and said her computer was acting funny and she needed help. She "LOCKED DOWN" my mom's account! Put a LEVEL 3 ALERT on the account and said she had to go to a branch and verify her identity claiming multiple devices accessed the account and not that she didn't sound 88! I took my mom to the branch, confirmed identity, took over 40 mins. to fix her account. I know the complaint filed will go unheard! But God has a way of making ALL WRONGS RIGHT!! One star is supposed to be ZERO!!

I have a Navy Federal account and I lost my ID but I still had access to my account and I tried to make a purchase and they would not let me said it was fraud so I was told to call in so I called In . to the call center I got one of the most rudest customer service people in my life. The woman hung up the phone on me then I called back in to find out who Im talking to and the guy will not give me the manager name said that was against their policy, so I go check up their policy. Their policy is to give me their name so Im highly upset and my distrust in the bank so making me close my account. You are not a valued customer at Navy ******************** .

I am very disappointed with the customer service I received from Navy ******************** while trying to fix a discrepancy on my account. Approximately I was advised that I needed to bring my automobile title to avoid my interest rate being raised. My monthly payment went up approximately $50. I was advised by several representatives that I just needed to bring in the proper paperwork and my payments would go back to it's original amount. I delivered all of my paperwork on Tuesday,June 11,2024 at the branch in ************. On Monday, June 17,2024, I was advised by a manager that my paperwork had been delivered th *********, Pa corporate office on June 12,2024. I was also advised that my payment will remain the same until it is processed. My problem is that eventhough I have no control of how long the third-party take sending it to the proper location. So I will still be getting penalized until then.

On 4/25/2024, I had the unfortunate experience of threats and ultimately the call being disconnected while in conversation with supervisor ******* regarding my mortgage loan application. This incident left me feeling unheard and frustrated. As a member of this credit union, I expect a level of professionalism and courtesy in all interactions, especially when discussing important financial matters such as a mortgage application.However, the disparities in treatment and the overall atmosphere of my interactions have left me feeling marginalized and discriminated against for these reasons listed below: During a conversation with a member regarding my mortgage loan application, I was subjected to discouragement and unwarranted insinuations regarding my eligibility for the loan product. I was met with discouraging remarks suggesting that I may not be approved for the loan, with insinuations that implied I should reconsider my application altogether. I was asked if I could provide a down payment for a product that is advertised as 100% financed, which contradicts the terms and conditions outlined in your institution's loan offerings. Staff made derogatory remarks regarding my credit history, mentioning collection accounts and accusing me of having a much lower credit score than what I actually possess. These comments were not only inaccurate but also highly unprofessional and demeaning.After requesting a copy of my credit report the institution pulled, I was misinformed they could not furnish my request and to contact the credit bureau instead, which is in direct violation of my rights under consumer protection laws.It concerns me that these incidents occurred within the context of my mortgage loan application process, and I cannot help but feel that my race played a significant role in the mistreatment I experienced. The discriminatory undertones of the remarks and actions taken by staff are unacceptable and have left me feeling marginalized and disrespected.

This is the worst credit union I have ever had to deal with. My *********** zelle me rent money got mad because I wouldn't give it back, did zelle fraud they took the money on a Saturday due the holiday on Monday I had to speak with security, they released my money back to me but told me i couldn't get my account back nor could I open an account with them Never Again. now I have all the proof in my phone where my *********** paid me for rent ,to send money to her son etc.. the security department never asked me for my proof and they fixed it so that I cant do an appeal . Now how can I get FRAUD when she sent me money???????? If I could give them a ZERO I would. Might i add I have had this account over 3 years never done anything wrong and I work for the City Of *******. Navy Federal Credit Union In ********** has ruined everything for me.