• Report: #1101183
Complaint Review:

Navy Federal Credit Union

  • Submitted: Thu, November 21, 2013
  • Updated: Thu, November 21, 2013

  • Reported By: Jacob — Sedalia Missouri
Navy Federal Credit Union
P.O. Box 3000 Merrifield, Virginia USA
  • Phone: 1 (888) 842-6328
  • Web:
  • Category: Banks

Navy Federal Credit Union NFCU - Facing Bankruptcy, Navy Federal Credit Union turned on my Family Merrifield Virginia

*Author of original report: Poor Customer Service

*Consumer Comment: Disgraceful

*Consumer Comment: I think I've got it figured out what happened...

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I was an NFCU member for just over 16 years when my wife and I had to reorganize our finances and lifestyles to fit a single income family.  I had left active duty, my wife was unemployed due to illness and we had taken about a 45% pay cut.

We had two credit cards and a loan account with NFCU and began to have trouble making payments. At first, we attempted to call NFCU and speak to someone who could help us through these tough times. We were immediately met with hostility and derision, with NFCU staff members asking very personal questions like what we did on a Saturday night and telling my wife to "get off her *** and get a job". When we were able to make payments - and we tried to keep up with them for over two years, NFCU would still constantly call using an automated phone system - even after payments had been made - where staff members would "lecture" about fiscal irresponsibility.

Another frequent occurrence was trying to work with one staff member on a single issue, spending upwards of two hours on the phone to resolve an issue, and then being called the next day by another staff member, completely unaware of the situation, who would state that the previous days conversation never happened with entries in their computer system. After about two years of this, my family declared bankruptcy.

NFCU then got very nasty - calling at all hours up to 10PM at night, with angry phone messages about how NFCU "wouldn't take this lying down". It also took us over three months to get them to contact the correct attorney, as they were leaving harassing phone mail messages at an attorney's office which we had a consultation meeting and not contacting our actual bankruptcy attorney.

In the end, NFCU turned on my family and I. I was a naval officer, a responsible person with a job and a family. I tried to work with NFCU but they did not work with me - didn't even want to work with me.  This is a terrible bank and I would recommend against anyone banking there.

This report was posted on Ripoff Report on 11/21/2013 09:15 AM and is a permanent record located here: http://www.ripoffreport.com/reports/navy-federal-credit-union/merrifield-virginia-22119/navy-federal-credit-union-nfcu-facing-bankruptcy-navy-federal-credit-union-turned-on-m-1101183. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Author of original report

Poor Customer Service

AUTHOR: Jacob - ()

"People should not be permitted to run from their financial obligations by declaring bankruptcy."

The law doesn’t agree with you.  Our Chapter 7 was filed as a last resort after trying to deal with the loss of income due to a serious illness in the family (intestine cancer) requiring my spouse to stop working.  This happened after release from active duty, not during or prior, and only after two years of working with creditors, finance counselors, and exploring every other option.

This is also not about my family or what we did, but the extremely poor customer service of NFCU.  Regardless of anything, the policies of harassing phone calls, of calling us *names* (my wife was called a b**tch twice by an NFCU employee) and questioning what we did on Saturday nights and why were we buying groceries instead of paying them is what is disgraceful.

I retired as a Lieutenant Commander from the Naval Reserve with tours in the Middle East, Korea, and Japan.  And I will openly say NFCU does not care about the veterans who use thier bank and will not work with them.

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#2 Consumer Comment


AUTHOR: coast - ()

People should not be permitted to run from their financial obligations by declaring bankruptcy.

“This is a terrible bank and I would recommend against anyone banking there.”

NFCU loaned you money in good faith but you screwed them and now you claim they are terrible. I recommend against anyone loaning you money. Your actions are dishonorable and unbecoming of a naval officer.

You ripped off NFCU and therefore have no valid reason to file a Ripoff Report. Disgraceful.

Enjoy your sky-high interest rates for the next ten years.

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#3 Consumer Comment

I think I've got it figured out what happened...

AUTHOR: Ken - ()

 You left your military job while your wife was unemployed..right?  Then you tried to get through "these tough times" by not living up to the terms of the agreement you signed with the credit union...also right?

They worked with you for over two years and you now find them to be a "terrible bank?"

If this "terrible bank" let everyone set their own repayment terms, they would be violating banking laws and soon shut down.

Credit unions are known for reasonably accomodating their members.  Sounds like you may have made some very poor financial decisons and then blame your problems on "these tough times" another cop out.

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