Customer ReviewsforNavy Federal Credit Union

Navy *** is the worst company for any service member to use when purchasing a home. The underwriting department has no clue on how finances work in this world. They force you to cut off your right arm just to be approved for the loan. The nitpicking of a members own financial well being and means of living is beyond comprehension. When working with this company, its death by a ***** cuts from the documentation they continually demand. The mortgage officers have no clue how to do their job or to even communicate with the underwriters. I will never use this company again. I hope more people read this review and take my advice to look elsewhere when purchasing a home. If I could I would give this company a negative star but am forced to only choose a 1 star rating.

Navy Federal Credit Union, continues their discriminatory practices. Clearly says, checks deposited at ***, takes 2 business days to clear account. That Is, unless your BLACK & BROWN. Then it takes 5-7 business days! With no explanation!!

I had a fraud problem. Against my red card, when I visited *******. I canceled my stay at the holiday in which foreigners run in that whole section where the fraud occurred. They still charged my red card even though everything was verbally. So I had no evidence of the cancelation. Navy Federal said they did an investigation. But if they did they would have seen that the person who took my info. Was lieing. I canceled my reservation about 3 hrs. Upon getting another hotel. And I will never bank at Navy Federal again. Because the investigation was not done!

I applied for a business account but didnt complete cause I was told I had to have a checking account first. I kept receiving emails and letters in the mail stating they still needed identification from me. I asked an agent was it for the new accounts cause Ive sent them or is it for the first account I attempted to open. She advised me that it was from the first application and to ignore, everything is fine. Ive been having my accounts open for a while now and all of sudden they locked my account for security reasons. I wasnt notified until I called. The agent told me what to send in and I did so by fax. I waited a few days and then was told they didnt receive them and to send through ********. So I did, they verified that they got the documents. So Im waiting again and decide to call, someone tells me that the document I sent in wasnt good enough so I had to send in another form of address so now they have 2 forms of proof of residency along with the documents I sent when I first opened the accounts. I was told I had to wait 3 business days, then another *** said 5 days. Another told me I can go to the bank with 2 photo IDs and I can withdraw money until it get situated, which he misinformed me on that, I called back to verify if that was accurate and another *** told me no, I can bring an ID/DL and a debit card to withdraw funds so I was like okay, finally a break, I have kids to feed. I go up there and I was told I couldnt withdraw funds while the security is going. So I called again! Spoke to a sup he escalated it due to hardship. I called to check and the *** said she didnt know what I was talking about and I have to wait 3-5. Its been days. I was like no I spoke to a supervisor yesterday and he told me to call back to get an update and she said she didnt see any of it. Called back again and the agent seen everything I was saying, theyre very unorganized and all over the place, I got told several different things only to be let down ***eatedly.

I joined Navy Federal when I first enlisted 18 years ago. Over the last 2-3 years Navy Federals customer service has been garbage. Hot steaming garbage. I can't wait to be in a position to refinance my mortgage out of Navy Federal. They're just flat bad to their members--if I had the ability I would fire the entirety of their mortgage servicing department and start fresh with new people. During the mortgage process my Loan Officer took a whole bunch of vacations, was frequently impossible to get in touch with, and equated jovial unending conversation about his time in the Army to be sound customer service. I almost didn't close on my house because Navy Federal, on closing day, decided that they weren't going to accept a document as a post close funding requirement...despite previously agreeing. It took threats to contact my congressional representatives to get Navy Federal to agree to the post closing requirement. It took a complaint to **** to get Navy Federal to process my SCRA benefits. I had been getting the run around for months on when everything would be complete and every representative stated that Navy Federal had so many **** requests that they were still processing accounts from Jan 2024. I put my complaint in on July 26, 2024. By August 1 Navy Federal processed my SCRA request. I wish zero stars was an option, Navy Federal Credit Union deserves zero stars. Go anywhere else for your banking options. I will be.

I have had this bank for over 10 years. There is been a security breach with the bank on their end. My credit card less than 3 weeks old was stolen 2x. Originally I called to cancel the card only for the new card that I had for 3 weeks to be stolen. Never used the card at any buisiness, online, or at any stores. Therefore, this information was stolen from Navy federal themselves. The same thing happened to my debt card as well. Never have I experience such poor customer service especially from a "Supervisor." I tried talking to the supervisor about what is going on and kept being interrupted. Rather than defusing the situation the "Supervisor" would talk over me. Then proceeded to end the call with a review. On top of this I tried to reset my password for online serves to not work. There are NO branches near me.

Keep this short got a car loan from them paid it off with a cash advance. Been paying the cash advance for a year now and tell got 3k to pay. Transfer cc 2y ago still got 900 balance on that. I'm in a limbo of not being able to pay any of this off because they split my payments to the point with the interest rate balance the payment. If that make sense. My interest rate at the time of the cash advance with 17 and the cash advance was 18 making me think that the CA would of gotten paid first but no. Still dealing with this problem. They are pulling a Debt consolidation scam.

Worst bank Ive ever been with dont bank here at all

Husband received mailer via U.S. Mail. As his wife I attempted to have name and address removed from mailing list as he had no connection to military to qualify for membership. Was advised to have husband call them. Supervisor insisted he must call to request removal. His name wasn't even shown correctly on mailer. We just want to stop junk mail. This review doesn't even desire one star.

Dont recommend for anyone. They treat their customers like dirt, charging exorbitant fees and rates just because they have a near monopoly on service members enrollments. I cant wait to close my accounts with them and never come back. I hope everyone sees and hears this message.