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tammylj

NFCU suspended my accounts

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Good to hear op! I was ensign jn the Navy at the time I extended my (now USDOJ lawyer) sister membership. The "specialist" assigned to her case said our address didn't match, she was in law school at the time, so she was lying etc. It ceases to amaze me that immaterial of how much documentation you take them, it's still never enough. I love navy, member for 14 years now. Never would I keep a dime aside from the 5.00 savings. And my checking with 0.00 balance but OLOC. Former navChk.

 

That's a bit paranoid IMO, especially if you joined while you were in the service. You're missing out on a 5% CD right now by only having $5 in there.

And although there is, unfortunately, a $5k limit to that CD, you can open one for every member of your household. ;)

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No its not it's the principal they treated my sister like crud. My vanguard makes slightly more than 5. I'm content, and the credit products helped. But blood in my family means more. They restricted her accounts while I was on the Eisenhower, she had all avaliable funds locked. No money back then either. Parents gave us all they could. She went without for almost a month. Never forgive or forget that.

Please could you tell us more? Did they ever unlock your sister's accounts or explain why they locked up her money for almost a month? I've never heard of it taking so long to clear security... This sound incredible to me and I'm very sorry your sister had to go thru that. :(

 

And like Mendel said, you are missing out by holding a grudge so long. In 14 years, you have missed out on some incredible deals and offers. If I was you, I would try to "settle" your grudge by taking advantage of their generosity as often as possible! :good:

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My brother said to remind him tomorrow and he will call to join.

 

So I know that Navy is a generous lender and will give credit lines to those with less than perfect credit, but what are the other reasons to join? I want to give all the info I have to my brother so he can talk to his son about joining.

 

Also what is the great thing with USAA?

 

I need to do some searching.

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So I know that Navy is a generous lender and will give credit lines to those with less than perfect credit, but what are the other reasons to join? I want to give all the info I have to my brother so he can talk to his son about joining.

 

Also what is the great thing with USAA?

 

 

That's the main thing about Navy, it's the first big credit line for a lot of people with marginal credit. Other than that they have been offering 0 fee 0% APR balance transfers once or twice per year the last few years. USAA is not all that unless you are a full member. If I could only have one of the two I would definitely pick Navy over USAA.

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My nephew would be a full USAA member. Just not sure what the benefits are, but seems like he should join while he is active duty.

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My nephew would be a full USAA member. Just not sure what the benefits are, but seems like he should join while he is active duty.

Aside from some decent limits on their CC's, one of the biggest benefits for me so far is Insurance. My premiums actually went down going from one car with another Insurance company to 2 cars with full coverage. I've checked around at tons of places and no one can even come close to matching USAA on Insurance.

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What I like about Navy:

 

1. Soft pull CLIs

 

2. High limits

- The better your credit & the longer you are with them, $80k is definitely doable

 

3. NavChek

 

4. Not paranoid like Barclays

 

5. Member appreciation offers

- 0% BTs and 5% CDs are nice.

 

6. Nice people

 

 

What I like about USAA:

 

1. Nice people

 

2. Decent limits

- Can grow with time

 

3. Various insurance products

- Decent rates & usually better than competition

 

4. Solid preapprovals for HELOCs, auto loans and personal loans

- You may not need them, but they are pretty to look at :)

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Thanks all! I sent some info to my brother. Just would like to see my young nephew take advantage of both Navy and USAA while he can.

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My nephew would be a full USAA member. Just not sure what the benefits are, but seems like he should join while he is active duty.

I agree. I joined when they had open partial membership for everyone. Have a checking, savings and World MasterCard. One person here doesn't like them, but no complaints from me. I'm not eligible for insurance, but I have no need for that. I'm happy with my current insurance.

Edited by Burgerwars

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What I like about Navy:

 

1. Soft pull CLIs

 

2. High limits

- The better your credit & the longer you are with them, $80k is definitely doable

 

3. NavChek

 

4. Not paranoid like Barclays

 

5. Member appreciation offers

- 0% BTs and 5% CDs are nice.

 

6. Nice people

 

 

 

Do you think they are still generous with credit limits if you don't use their deposit accounts? They've been really generous to me, despite a shaky credit history and being self-employed. They've never asked for documentation, and I wondered if they've been good to me because I've used their checking account. Just wondering if things will remain the same if I move my checking over to USAA.

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What I like about Navy:

1. Soft pull CLIs

2. High limits

- The better your credit & the longer you are with them, $80k is definitely doable

3. NavChek

4. Not paranoid like Barclays

5. Member appreciation offers

- 0% BTs and 5% CDs are nice.

6. Nice people

 

Do you think they are still generous with credit limits if you don't use their deposit accounts? They've been really generous to me, despite a shaky credit history and being self-employed. They've never asked for documentation, and I wondered if they've been good to me because I've used their checking account. Just wondering if things will remain the same if I move my checking over to USAA.

I'm not certain, but I believe they will.

 

I seldom use my checking or savings, but I do have a fair amount in CDs. Could that influence the relationship? Perhaps. But I think if anything it just allows you to speed up the process. They may also be influenced by length of membership and active duty status, but, again, I just think that allows you to reach the inevitable a little quicker.

 

My wife finally decided to join just a year and a half ago and she's already at $50k. One of these days when we are bored maybe she'll try for another to hit the max. She has about $10 in each of her two accounts and no CDs.

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What I like about Navy:

1. Soft pull CLIs

2. High limits

- The better your credit & the longer you are with them, $80k is definitely doable

3. NavChek

4. Not paranoid like Barclays

5. Member appreciation offers

- 0% BTs and 5% CDs are nice.

6. Nice people

Do you think they are still generous with credit limits if you don't use their deposit accounts? They've been really generous to me, despite a shaky credit history and being self-employed. They've never asked for documentation, and I wondered if they've been good to me because I've used their checking account. Just wondering if things will remain the same if I move my checking over to USAA.

I'm not certain, but I believe they will.

 

I seldom use my checking or savings, but I do have a fair amount in CDs. Could that influence the relationship? Perhaps. But I think if anything it just allows you to speed up the process. They may also be influenced by length of membership and active duty status, but, again, I just think that allows you to reach the inevitable a little quicker.

 

My wife finally decided to join just a year and a half ago and she's already at $50k. One of these days when we are bored maybe she'll try for another to hit the max. She has about $10 in each of her two accounts and no CDs.

 

Not sure about NAVY but I'm at the max $80K for CC's and $15k for the LOC and I hardly ever use their chk or svgs. I have had a few loans with them paid off early though.

 

As far as USAA goes in one of my discussions with a CSR when asking for a CLI she looked and said my "internal USAA" scores were excellent so she didn't think it would be a problem getting a CLI. This was before they even pulled a CR.

 

I don't think using Navy's or USAA's chk will make a huge difference in the long run.

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My brother joined today! I will call in the morning and see about getting my accounts unfrozen! Woot! I hope that I can just change my sponsor to him. Tried calling, but membership is normal business hours so I have to wait until tomorrow.

 

Going to be so happy if I can keep my accounts.

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My nephew would be a full USAA member. Just not sure what the benefits are, but seems like he should join while he is active duty.

Aside from some decent limits on their CC's, one of the biggest benefits for me so far is Insurance. My premiums actually went down going from one car with another Insurance company to 2 cars with full coverage. I've checked around at tons of places and no one can even come close to matching USAA on Insurance.

 

 

For me, their premiums on auto insurance are a little higher than competitors. However, they consistently rank at the top in customer satisfaction and customer service.

 

One interesting tidbit: I know a fair number of personal injury attorneys -- lawyers who commonly litigate car accident / injury cases. Since they are very knowledgeable about the nuts-and-bolts of accident / injury claims, I was curious about what auto insurance they themselves use personally, so I inquired. Every single one of them who was eligible for full USAA membership had USAA insurance. I asked why, and the answer was pretty universal: they are very professional, very easy to work with and, compared to the other insurers, very fast to pay a claim with minimum hassle. You might pay a little more for the premiums, but when the day comes that you actually need your auto insurance, you don't want to be haggling with your own adjuster. When you need to call them in, USAA does not leave you hanging in limbo. Other companies may talk a good game when it comes to saccharine customer service, but the true test is who actually trusts their customers and gets the check out fastest.

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My nephew would be a full USAA member. Just not sure what the benefits are, but seems like he should join while he is active duty.

 

Aside from some decent limits on their CC's, one of the biggest benefits for me so far is Insurance. My premiums actually went down going from one car with another Insurance company to 2 cars with full coverage. I've checked around at tons of places and no one can even come close to matching USAA on Insurance.

For me, their premiums on auto insurance are a little higher than competitors. However, they consistently rank at the top in customer satisfaction and customer service.

 

One interesting tidbit: I know a fair number of personal injury attorneys -- lawyers who commonly litigate car accident / injury cases. Since they are very knowledgeable about the nuts-and-bolts of accident / injury claims, I was curious about what auto insurance they themselves use personally, so I inquired. Every single one of them who was eligible for full USAA membership had USAA insurance. I asked why, and the answer was pretty universal: they are very professional, very easy to work with and, compared to the other insurers, very fast to pay a claim with minimum hassle. You might pay a little more for the premiums, but when the day comes that you actually need your auto insurance, you don't want to be haggling with your own adjuster. When you need to call them in, USAA does not leave you hanging in limbo. Other companies may talk a good game when it comes to saccharine customer service, but the true test is who actually trusts their customers and gets the check out fastest.

This is the first sensible post I have seen about why USAA's insurance offering is superior. Usually people just say it is because their premiums went down when they switched... which is a terrible way to assess the value of an insurer.

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No its not it's the principal they treated my sister like crud. My vanguard makes slightly more than 5. I'm content, and the credit products helped. But blood in my family means more. They restricted her accounts while I was on the Eisenhower, she had all avaliable funds locked. No money back then either. Parents gave us all they could. She went without for almost a month. Never forgive or forget that.

Please could you tell us more? Did they ever unlock your sister's accounts or explain why they locked up her money for almost a month? I've never heard of it taking so long to clear security... This sound incredible to me and I'm very sorry your sister had to go thru that. :(

 

And like Mendel said, you are missing out by holding a grudge so long. In 14 years, you have missed out on some incredible deals and offers. If I was you, I would try to "settle" your grudge by taking advantage of their generosity as often as possible! :good:

 

I do utilize the credit products, before I purchased my second home I used the free investment seminar.

 

They locked her accounts because (old ugly antiquated navy website) would not load my member number. She just went ahead and called and opened the account. Immediately after she said, and as a AUSA I don't doubt her, they froze the money and accounts. She had opened nothing but a checking and savings. Most upsetting , a lie also, was that when they looked me up in DFAS I didn't appear. So they needed something that showed I was active in the navy, and we are related. She was able to get birth certificates from my mother for both of us. She also provided more then enough confirmation I was on the Eisenhower in route to Portugal. With my NAS OCEANA data. The security rep said all sorts of crap to her. She doctored or appeared that they looked that way. Conjectured the whole time. Finally I got to Portugal and sorted it out. They apologized and I asked my CMD, does navy federal have authority to access military personnel files? He looked at me as if that was the dumbest thing he heard or perhaps close second.

 

She still banks with them I told her JusticeFCU (she can certainly get membership has good products and "special offers for her position". ) which she said and does have and offered me membership . She still prefers Navy and utilizes them as her main bank.

 

I just won't give them a dime of deposit. Aside from the 0 checking with OLOC and 2 CCs. I have had all the special military personnel products-home, car, boat-etc

 

But other then that I like my small hometown credit union. Everyone does what they want, but I know I've been a recipient of great offers from them. How they treated her as a broke law school student, not gonna happen, that's my baby sister forever. To each......

 

 

Sent from my iPhone using Tapatalk

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Just to correct a very common misconception, Navy Federal *never* has access to DFAS files either manually or automated. Ever.

 

What they do use is a publicly available TRICARE database which checks SCRA elegibility. The TRICARE database has very limited data on active duty, dependants and retirees. The database is generally reliable, but nowhere near 100%. This is the same database that banks are supposed to use before suing anybody to ensure SCRA compliance.

 

The only other avenue Navy Federal would have is the DoD locator service and that's a manual tool requiring an actual phone call -- and results are seldom immediate.

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Exactly so when they proffered that they had access to DFAS and couldn't locate me. They engaged in sophistry and lied to my sister. Hence my CMD look of "salamander". I was an ensign young and i didn't know at the time. So ya that's exactly what I said.

 

 

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No one does, DFAS is also monitored like a hawk. I entered what I thought my password was two times incorrectly and I received an immediate phone call and they had everything about my computer etc. I needed the VA loan certification documents. So no Navy never would be able to access DFAS. DON'T know if they have spread similar misinformation.

 

 

Sent from my iPhone using Tapatalk

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No its not it's the principal they treated my sister like crud. My vanguard makes slightly more than 5. I'm content, and the credit products helped. But blood in my family means more. They restricted her accounts while I was on the Eisenhower, she had all avaliable funds locked. No money back then either. Parents gave us all they could. She went without for almost a month. Never forgive or forget that.

Please could you tell us more? Did they ever unlock your sister's accounts or explain why they locked up her money for almost a month? I've never heard of it taking so long to clear security... This sound incredible to me and I'm very sorry your sister had to go thru that. :(

 

And like Mendel said, you are missing out by holding a grudge so long. In 14 years, you have missed out on some incredible deals and offers. If I was you, I would try to "settle" your grudge by taking advantage of their generosity as often as possible! :good:

 

I do utilize the credit products, before I purchased my second home I used the free investment seminar.

 

They locked her accounts because (old ugly antiquated navy website) would not load my member number. She just went ahead and called and opened the account. Immediately after she said, and as a AUSA I don't doubt her, they froze the money and accounts. She had opened nothing but a checking and savings. Most upsetting , a lie also, was that when they looked me up in DFAS I didn't appear. So they needed something that showed I was active in the navy, and we are related. She was able to get birth certificates from my mother for both of us. She also provided more then enough confirmation I was on the Eisenhower in route to Portugal. With my NAS OCEANA data. The security rep said all sorts of crap to her. She doctored or appeared that they looked that way. Conjectured the whole time. Finally I got to Portugal and sorted it out. They apologized and I asked my CMD, does navy federal have authority to access military personnel files? He looked at me as if that was the dumbest thing he heard or perhaps close second.

 

She still banks with them I told her JusticeFCU (she can certainly get membership has good products and "special offers for her position". ) which she said and does have and offered me membership . She still prefers Navy and utilizes them as her main bank.

 

I just won't give them a dime of deposit. Aside from the 0 checking with OLOC and 2 CCs. I have had all the special military personnel products-home, car, boat-etc

 

But other then that I like my small hometown credit union. Everyone does what they want, but I know I've been a recipient of great offers from them. How they treated her as a broke law school student, not gonna happen, that's my baby sister forever. To each......

 

 

Sent from my iPhone using Tapatalk

 

Thanks, your story makes much more sense now.

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Called NFCU this morning and asked to change my sponsor to my brother. Now they want us both to send in our birth certificates to prove we are siblings. I sent mine in and he will send his in when he gets off work. I really hope this is all they need.

 

Just hoping that they won't need me to go into a branch. They do not have a branch close to where my brother lives, so I would need him to send his birth certificate to me so that I could bring them both in.

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No one does, DFAS is also monitored like a hawk. I entered what I thought my password was two times incorrectly and I received an immediate phone call and they had everything about my computer etc. I needed the VA loan certification documents. So no Navy never would be able to access DFAS. DON'T know if they have spread similar misinformation.

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I hate to say it, but there is a dark side of Navy. Very dark.

 

They will tell you they have access to DFAS, but it's false.

 

They will pretend to be actual NCIS agents when they -- often wrongly -- suspect irregularities with your account.

 

They will lie like rugs to the debtor and their CO in their attempts to collect on overdue accounts. They will skirt every law and regulation on the books in attempts to collect.

 

But at many other times they are the next best thing to sliced bread.

 

Just have to keep your eyes open.

Edited by PotO

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No one does, DFAS is also monitored like a hawk. I entered what I thought my password was two times incorrectly and I received an immediate phone call and they had everything about my computer etc. I needed the VA loan certification documents. So no Navy never would be able to access DFAS. DON'T know if they have spread similar misinformation.

Sent from my iPhone using Tapatalk

I hate to say it, but there is a dark side of Navy. Very dark.

 

They will tell you they have access to DFAS, but it's false.

 

They will pretend to be actual NCIS agents when they -- often wrongly -- suspect irregularities with your account.

 

They will lie like rugs to the debtor and their CO in their attempts to collect on overdue accounts. They will skirt every law and regulation on the books in attempts to collect.

 

But at many other times they are the next best thing to sliced bread.

 

Just have to keep your eyes open.

 

Or, just pay back any borrowed money. Simple.

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No one does, DFAS is also monitored like a hawk. I entered what I thought my password was two times incorrectly and I received an immediate phone call and they had everything about my computer etc. I needed the VA loan certification documents. So no Navy never would be able to access DFAS. DON'T know if they have spread similar misinformation.

Sent from my iPhone using Tapatalk

I hate to say it, but there is a dark side of Navy. Very dark.

 

They will tell you they have access to DFAS, but it's false.

 

They will pretend to be actual NCIS agents when they -- often wrongly -- suspect irregularities with your account.

 

They will lie like rugs to the debtor and their CO in their attempts to collect on overdue accounts. They will skirt every law and regulation on the books in attempts to collect.

 

But at many other times they are the next best thing to sliced bread.

 

Just have to keep your eyes open.

 

Or, just pay back any borrowed money. Simple.

 

 

Now there's a strategy...

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I never use the cards the mortgages and auto rates are great. Aggressive apr. Especially when military. Ya it became obvious so many times the guys wouldn't pay or screw up and miss a payment and Navy would contact the officer assigned. Usually our commander never really cared and said he would deal with it. I never have owed them money aside from the cars and mortgages the CC are great for utilization but nothing more. As far as lying to my sister idk not in the capacity she is in now. She loves them. Weird. But ya they can be aggressive i would never eben try and not pay them back junkyard dog is nicer. Good luck op

 

 

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