Reviews

This profile includes reviews for Navy Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Navy Federal Credit Union has 120 locations, listed below.

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  Navy Federal Credit Union

  PO Box 3000 Merrifield, VA 22119-3000

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  Navy Federal Credit Union

  137 E Lincoln Trail Blvd Radcliff, KY 40160-1253

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  Navy Federal Credit Union

  PO Box 6030 Saint Marys, GA 31558-6030

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  Navy Federal Credit Union

  4530 S Dale Mabry Hwy Unit 1 Tampa, FL 33611-1426

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  Navy Federal Credit Union

  8084 N Davis Hwy Ste F1 Pensacola, FL 32514-7567

Review Details

• Review fromAaron M

  Date: 07/19/2024

  1 star
  Waited three weeks before closing to deny my mortgage application due to DTI. Any decent lender would have declined due to DTI at the start of the loan process, not after all documents had been submitted and waiting for final review.I had to scramble for alternative finances three weeks before closing, which only involved making a larger down payment. No such option was offered by NFCF. As a final disappointment, I received the sudden "Decline Package" notification not from the underwriter or loan officer but from NFCU's automated tool.Whether through incompetence or carelessness, don't risk putting in all the effort of seeking a mortgage from NFCU. I am not the only one they have withdrawn a loan from so close to closing. Horrible service.

• Review fromLS S

  Date: 07/17/2024

  1 star
  After nearly 10 years with NFCU, I am at this moment researching credit unions and banks to determine which I will move all 15 of my banking products from NFCU. Sadly enough, if you had asked me a month ago if I would ever switch, I would've said emphatically NO! But the events of the last 2 weeks right up to now has given me all the headache I need to know it's time to go. This credit union has gone to the dogs. I don't have the room or time to detail all of the issues and their ABOMINABLE "customer service" just know that you are taking your financial well-being into your own hands if you bank with this financial institution. What I will say is do not expect to be able to manage your own funds with this bank. They do that for you, and at whatever discretion they happen to decide that will be on any given day. I know that's not exactly specific, but that's all I can muster up the energy to put into words after the frustrating couple of weeks dealing with these people. The customer service is easy to explain: TRASH.

• Review fromLuisa V

  Date: 07/17/2024

  1 star
  When you call most people, dont know whats going on with your loan, or give you misinformation. I continue to call an email my loan officer with no return at all, so I dont know where I am at in the process of my assumption loan. I even called the person in charge of handling corporate calls with no success. Its been three months for something that only shouldve taken 45 days.

• Review fromSandra E

  Date: 07/12/2024

  1 star
  On March 20, 2024, I discovered a $6,000.00 fraudulent on my **** **************** credit card which my brother who was an authorized user never had possession of the card. **** stated that an online card advance was made during the same time he (my brother) had his identity stolen. **** told me NOT to inform the police that they will investigate and refund the money. They credited the account and then turned around and stated that it was my brothers fault that he did not check his account when the **** representative confirmed that the fraudster locked him out of his account. We informed **** that he had evidence of identity fraud, and they refused to respond to me as the primary cardholder stating that they will only speak to my brother, and when he would contact them, they would give him the runaround as well. In May several news channels broke the news about compromised and fraudulent **** accountholders being scammed and defrauded. I spoke to a couple of **** fraud investigators who were extremely rude and hung up the phone on me. My brother and I reviewed his account with a lawyer and discovered that **** had deleted bank statements of the fraud from my brothers **** account portfolio and had doctored/changed the fraud dates, amounts etc.... I then sent a letter to the *** and **** senior executives, in which someone from the executive office once again asked me to not report the fraud to the police. My brother and I went to the **** fraud division with over 22 documents in which the police determined indeed fraud had been committed and proceeded in telling me that I was the 7th person that week who had been defrauded by ****. They have advised me to escalate it and I will be doing so. I believe that a syndicate is perpetuating nationwide credit card fraud at **** embolden by poor leadership coupled by dishonest banking practices.

• Review fromShan K

  Date: 07/10/2024

  1 star
  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.

• Review fromKimani B

  Date: 07/10/2024

  1 star
  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.

• Review fromNatasha B

  Date: 06/28/2024

  1 star
  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.

• Review fromMichelle N

  Date: 06/27/2024

  1 star
  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

• Review fromdanielle m

  Date: 06/26/2024

  1 star
  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.

• Review fromAleshia M

  Date: 06/23/2024

  1 star
  **** 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!!