My problems began with Navy Federal last year after I got out after many years of Honorable service in the military. I have two credit cards with Navy Federal. Being out of work I was unable to make the high minimum payments. So I spoke with a Navy Federal rep and arranged payments with Navy Federal. The minimum payment was adjusted and I set up a payment plan. A few months went by and I started receiving the phone calls. 3 times a day, 4 times a day and sometimes as high as 8 times a day. I even received on at 9 oclock at night. I was told I was behind on my payments. I explained I had set up payment plans. They told me there was no record of me setting up a payment plan. So, once again I set up another payment plan. Once again time went by and I started getting the phone calls again. Once again I was told there was no record of me setting up a payment plan. Once again I spoke with a representative. I told them what had been happening and I would not set up any payment plan until I received something in writing. So we agreed to 100 a week, and she told me that would start once I signed the paperwork. A few days went by and over 500 was withdrawn from a Bank Of America account of mine by Navy Federal. Nowhere in my conversation was this amount mentioned, at no time did I give anyone permission to withdraw money from this account. I filed a complaint with The National Credit Union Association. After some time the 500+ was returned to me. Which than put my credit card back in the red. Now I have made up my mind that I will never speak with them on the phone again and I surely wont call them. I just mail them 100 a week. It is all I can afford. The credit card continues to stay in the red, but there is nothing else I can do. Worst bank I have dealt with in my entire life. My credit is destroyed due the nonsense I have gone through with them.

This is by far the worst branch NF has. The managers Christina and Nicole are lazy and incompedent. The lines are always out the door. And when you have an issue they will not come out to acknowledge it. I was standing in line as usual and saw Nicole curse at another employee in front of atleast 30 customers. I couldnt even get Christina the manager out to acknowledge a loan issue on my application. She told the MSR to tell me that she would call me back. She never did. Ive been here for 2 years and they have had atleast 25 employees come thru there. There are prob 2 employees in that whole branch that know what is going on. There is a serious leadership and possibly an EEO issue in that branch that needs to be addressed. The management is horrible.

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.