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Opened up a student account back in 2015 only to be told that they have no record of such activity. The worst part is that they do not seem to care or dont want to be bothered with a faulty situation made on their behalf. The integrity of PNC is compromised in my opinion. I will take my bank affairs elsewhere.


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I thought PNC was a good bank until I woke up one morning with my bank account -70$ because of their crappy system. I talked to them on the phone and they had no concern whatsoever about trying to help me, all they wanted to do was tell me my transactions like I hadn't already seen them or couldn't get on my app and look at them. I have emails and texts proving their system was the reason I am in the negative status but they didn't care. OH and I still have to pay them for crap that was completely their fault! I am never going back! I wish I had've listened when everyone told me not to go through PNC!


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I had a car loan with PNC arranged by the dealer. I have never had an account or a loan with PNC before and what the heck. I traded the car on March 13 2019. The dealer had PNC fax over the 15 day payoff. So, we have it writing from PNC. I buy new car, Dealer pays off loan within 15 days (payment due on the 27th of March, 15th day after new car purchase). Plenty of time for the dealer to pay the old loan in full. What could wrong?


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I have been a co-signer on a student loan for nearly twenty years. Every time a payment needed to be made, I stepped up and made the payment. Then I became disabled and had to retire. Though I still made payments when I was required to do so. PNC decided the balance of about $4000 needed to be paid immediately. Since I had lost half of my income I couldn't pay that amount. However, I did pay $1000 that caught my nephew up on the account. At that time, the collection agency agreed that they would not report me to the Credit Bureau. That was lie #1. I tried to refinance my mortgage for lower interest, but cannot because of this.


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RIDDLE: Why does PNC Bank get One Star reviews? ANSWER: Because you can't give them ZERO. The WORST telephone waiting time. The LEAST knowledgable customer service agents. The WORST customer satisfaction. When I complained about customer service the answer I got was "due to the high points they give, it is too expensive to provide customer service."


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Have been a fan of the bank's reward program. Saw Ruby Tuesday - 10% cash back - up to $14 cap. So I took friends/family out a put on debit card $111.82. Next month PNC only gave back $6. Called several times and wrote online but after several people to escalate was told cap is now $6. Couldn't wouldn't do anything. So be warned - call before you use the reward and takes names.


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Well someone spent money off my card over a thousand miles away. The card was shut off ASAP, that was good. Problem was trying to get it resolved. Been on phone way to long as it is, I keep having to call back because I am on hold so long the call drops or they hang up trying to answer. They are not trained enough or not staffed with enough employees but took me over an hour on phone just to dispute transactions where someone took my money. In total may take me a month to get it back. Last legal transaction I authorized was Hulu by the way.


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All I want is a coupon book for my remaining payments. I called PNC weeks ago and they never sent the coupons. I can't access the site to send an email because they need a PIN. I have a car loan not a bank account and I would like to send an email about my balance. Looks like I will have to call them again because it looks like I can't establish an online account unless I have a bank account with PNC. The website is horrible to navigate because you can't simply send an email without a PIN which I don't have.


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I received a flyer from PNC with a $300 bonus offer for opening the Virtual Wallet with Performance Select Checking account. I met all of the requirements including the direct deposit from "an outside agency" totally more than $5,000 and using the debit card more than 10 times. Needless to say, I never received the promised bonus. Even after repeated calls to PNC and reporting the fraudulent advertising to the BBB, the bonus was never paid. If you open a checking account expecting to receive a bonus -- beware!


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I came to this bank to withdraw money from my account. Instead I received rude, unprofessional, and incompetent services from the branch manager. When told they didn't have a sufficient amount of funds available -- I subsequently asked for a lower amount of $2500. The branch manager stayed in his chair and literally 'rolled' in his chair over to the teller I was working with and stated, 'I'm not giving you this amount of money, get it from the ATM.' 


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I have been here maybe twice and with my first experience, their customer service is by far the worst I've seen in a bank. The people there were disrespectful and very rude to deal with. I do not recommend PNC Bank whatsoever.


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I am a business owner stuck with PNC for 4 more years... PNC charges you for every single thing. Nothing is free. Total scam. Since they have control over the business bank account, the steal money from my account as they please with lame excuses and always hidden fees. Beware of your statement!! You will always find money missing and when you report, they act like in one ear out the other. Can't await to pay this loan and get out!!


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Worst customer services. Never helpful, many mistakes with payments. You will also not get real information. The PNC staff is not working in best interest of client. The worst online banking example. I transfer money which are disappearing from your account.


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I've never been so disrespected or offended in my life by anyone or any business. Not only will I never bank here, but I will also be going out of my way to dissuade anyone from ever banking with PNC after how my friend and I were treated at PNC at this location in Bay City. My friend's husband passed away in a tragic car accident a few days ago, and a GoFundMe was being prepared, and my friend has no checking account so we ran to PNC before closing, about 15 minutes before close to ask if they could accommodate us because it was urgent and frankly an emergency because she was low on funds.


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I am not a PNC customer. With that being said I will never be a PNC customer. I had to use my debit card at a PNC ATM. The machine retained my card on a Friday evening. The next day the banks were closed so I went in Monday morning to get my card. Now customer service had originally told me that the bank should be able to just give me my card back. Well they did not and per their policy because I am not a PNC Bank member their policy is to shred my card. So here I am stuck out of town with no Bank of my own in this town. No way to get funds out of my account because PNC Bank is going to shred my card because I'm not their customer. 


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First time in years I decided to change bank, first they promise you up to $300 if it goes direct deposit on the first 90 days, and I said perfect! All my paychecks will go directly to that account. It has been 6 days and the check I deposited has not clear, all they keep saying is to to be patient as if I can pay my bills with patience... I call the 1888 number, and no one gives you a complete answer, they all say it takes time, it's the other bank, etc, etc... I called the "other bank" and everything is good on their end, called again PNC (for the 5th time) and the same bs answer. I requested a specialist, or a manager and the person who helped me got so mad that I could hear him mumbling something about me and my issue to himself. This bank hires unprofessional people, they do not help at all. Don't waste your time, energy or money here.


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I disputed a transaction with the bank. PNC claimed to never receive any formal dispute paperwork and decided to deny the dispute almost 45 days prior to the expiration. No warning or phone call. Only a letter in the mail for which the reversal the next day. I called and emailed PNC. Received a call from retail escalation team and I had to refile the dispute. I submitted the formal dispute form twice since PNC claimed not to receive the first one yet again. I even fax copy of communication with the vendor to show proof of my dispute. I even faxed the copies to the retail escalation team. 


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I opened a checking account with this Crooked institution because I received a small check for $3000 dollars that was a PNC check. I asked if they could cash it, and they said that they would, for a 2 percent (60 dollar fee)! So, I said that I would just open an account. This was Saturday. I managed to get 500 dollars from the branch of my own money from the branch to pay an emergency expense. Today, Monday, I have a zero balance. I phoned in, and their rep. said the funds will be available Wednesday! Tuesday, 100 dollars will be available. I said, how can this be? The check is drawn on PNC!!! They said, it is their standard policy. What a disgusting institution! If I close the account, there is a $25 early withdrawal penalty, so I need to wait 6 months. 


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I opened the a high yield savings account online in the last week of February. I was waiting for my money to come in the following week in March. I initiated a bank to bank transferor at Bank of America on the morning at around 6am. My bank informed me the next day March 6th that the transfer was completed and gave me the transaction number. Since I have been calling PNC bank savings representatives. They keep on telling they don’t know where the money is. On Friday of last I talk to a senior representative and he said not to worry and money will soon appear my account with interest from the day it got transferred. 


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I have banked with PNC for years and never had a problem until two weeks ago when my bank account was hacked and a large amount of money transferred out. In dealing with the fraud department and my local bank I am appalled at the lack of professionalism and total lack of communication between the fraud department and the bank. I caught the fraud the day the withdraws were made. I called the fraud department and was only able to speak with their credit card fraud as their account fraud department is not open 24/7 (I guess fraud only hits Monday - Friday 8-10 and Saturday until 4:30). The withdrawals were still pending. The credit card fraud representative told me it was obvious blatant fraud but he could only put a hold on my account and I would have to go to the bank the next morning to file a fraud report.


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PNC mailed my renewed debit card to someone else. I didn't realize this until a Saturday afternoon after banks closed and I couldn't use the ATM. When I called customer service, they told me I couldn't get cash until TUESDAY. Monday is not a holiday. I have zero cash on me and they are refusing to allow me access to MY money. How is this legal? It's THEIR fault for mailing my card to someone else. I've lived at the same address for 25 years!


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PNC is terrible. They have charged me 2 overdraft fees on my account before it even overdrafted. Telling me since it looks like on their end it’s going to overdraft that they will charge me fees and they have refused to refund those fees... I will be switching banks as soon as all items post to this account! I refuse to be charged for transactions that may drop or transactions where credits maybe posted.


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My home loan was bought by PNC and I was already nervous by looking at all these reviews. Within 3 months I started receiving letters saying that my Hazard Insurance was not sufficient and to contact my Insurance company. I called my company and they checked and said that I'm actually OVER insured. So I call PNC and tell them this information and that they can check with my insurance company. They tell me "Oh, you need to be insured for the entire principal." I asked why, considering the last 3 companies that had my loan told me that you only need to be insured for the building and surrounding structures (which I am). I told him the difference is the land itself. I was told it needs to be the full loan. I think my response was, "Why? Because a sinkhole will appear and suck up my entire plots of land along with the house?"


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If your account overdrafts, they charge you $36 per day. It's not a one time fee, it is going to be charged every day till your account is in positive standing. So, if you put $36 on the first day and it reaches your account next day, you are again in negative standing because of the new fee charged. This is the stupidest bank I have ever banked with. Not making this mistake ever again.


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I transferred money from my PNC checking account to my PNC Core account on the day it was due. PNC took the money out of my checking immediately however, they did not record this transaction for 48 hours and so I'm charged yet another $38 late fee on top of the 31 percent interest rate they charge. They also charge me "Miscellaneous" bank fees monthly that they cannot explain other than they are "miscellaneous". I will be changing banks as I can't afford to bank with PNC any longer.


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I had a car accident late December 2018. I make what SHOULD have been my last payment the day of my accident so that I can be ahead of my bill. I’ve been making my payments 13 days ahead of time ever since I got the stupid car. My BRAND NEW 2018 Chevy Equinox is deemed a total loss through my insurance. Fine. I get my Gap total loss claim, insurance claim, and cancelled warranty ready to go first thing late January 2019. February comes around and they only deposit my one check from Gap for 13k+. The payments are all due by the 13th. I had everyone overnight all checks to this stupid bank almost 2 weeks before. I call them and ask if they’ve seen my insurance check for 27k and they tell me yes and that it was in “processing”. This was the week of the 13th when it was due. 


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Don't get credit card from PNC Bank. Their website was very often not functioning, that you can't set up an automatic payment, or even it's just disappeared after setting the payment. You end up with missing payment, then they started charge the late fee and interest. I wonder if anyone could recommend a lawyer. I ONLY want my money (late fee + interest charge) back.


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Purse stolen along with my license, so I immediately canceled all 3 debit cards AND put an alert onto each checking account as a JUST IN CASE. Well, a teller allowed someone in another State to perform a withdraw of 1,300! Yes, I got the money back but it took a good 2.5 weeks!!! The Bank Manager even stated to me that this person's signature looked exactly like mine; even though I stated 3 times that they didn't even spell my last name correctly!!!


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I filed for bankruptcy last year for credit cards only. I was told by a PNC Rep to make sure to fill out the affidavit and they will continue to report my car payments. Little did I know I should have gotten the persons name, date, time and blood type. Now PNC is refusing to report my payments. I got a car loan from them and they state it's the bank's policy not to report because I filed bankruptcy. Remind you, I DID NOT include the car. But yet they continue to take my payments or I can return the car to them. These are the types of professional ** you're dealing with.


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I opened up a business checking account at the branch located at 2217 W Market St, Bloomington, IL 61705 with Branch Manager **. I opened up the account because I am new to the area and doing business there. I also started on another sub business under my current business which is a property preservation company. My sub was going to be business to business collection. I informed Mrs. ** that it was new to me and I knew very little about the workings of it worked but was learning how to do it. She asked me if I knew how much money would be going into the account. I told her I was not sure but I told her possibly big sums and doing wire transfers to pay the money to the company we were suppose to be working for. 


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Do yourself a favor and find another bank. This bank is ran by the most incompetent fools I have ever experienced! All I wanted to do is move a 1/4 mil into their horrible bank for the 2.35% interest.


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I had a brief car loan with PNC. Car was traded 45 days ago and paid almost 30 days ago, PNC still has yet to send me a paid in full letter. Every phone call I get a different story and the runaround.


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Last November I received a service charge with no description on my statement. After a phone conversation with no return call I visited the bank to get similar treatment. They told me the fee was due to insufficient funds in two of the three accounts. I make bi-weekly Friday direct deposits in excess of the minimum. The individual could not or would not explain why I was charged but said he would reverse it that day and call me. A week later nothing so I tried online help.


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I’ve noticed after 5 years banking with PNC that when I have multiple transactions at a place when I get my paper statement in the mail it shows double even triple the transactions that I know were not even possible. When I call it’s hell to get them to admit and replace double charging me. So sick of them.


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I applied for an auto loan online thru PNC, so I wouldnt have to go thru the dealership. I was approved and received a phone call right away to complete the loan. If I wanted to have the check overnighted, I could finish process over the phone. My husband wasn't available at the time, so she said you can go to a local branch and pick up the check. So I called ahead to the branch the next day and said we couldn't get there until 4:15 to 4:30. No problem with them. We show up and are taken straight back to one of the loan officers. She starts explaining the program, I interrupted her and told her we have already been approved just here to pick up the check. She said, "If you start the loan process online you have to finish it with them and they will mail you a check. I said, "No, I was told to do either." She said, "I can't do that, I did that once and got in trouble. You will have to have it mailed to you." 


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I bank at the Conamar Drive branch in Hagerstown MD. The people are efficient and nice, but there are tellers and no drive up window. I'm in my 70s and have no desire to park my car and go in when it's cold, snowing, or raining. Come on people get in the 21st century. I will soon find a new bank.


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I called in regarding a reversal of payment that was made Jan 31 without any notice or further documentation. I spoke with the dispute manager on Friday regarding my issue and how this reversal of payment is affecting me paying off my rent this month. She stated she will provide provisional credit on rush on Monday, which is today so I can my bills while and Create a new claim. It all started after I was scammed by some company back in Nov, which I know nothing about. I receive bogus charges for nothing in return. Come to find I called in today for a update on my funds being credited come to find out my claim was reversed and denied. Due to the so called company has information. What info? I never signed nothing nor communicated with such company.


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Online banking is completely different than the app. The security is so high if you forget one detail your account will be locked and you'll have to call. You just know your account number to access anything. Your account number is not shown in the app but it is in the online banking so if you get locked out you'll have to call. The interface is not user friendly especially for auto loan. You can't just click pay. You have to transfer money from one account to the next. Security questions are asked at every login so don't expect to quickly login and pay anything or see your account. If you are a customer it may be differently but my experience for auto loan only has been extremely upsetting. If I wasn't already locked into this loan I would give up. I would never ever bank with them.


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Horrible service, horrible overdraft fines, hidden fees, extremely unhelpful customer service, I'm ashamed to be a part of them. I wish I could switch banks but I'm stuck. They make you pay for their own bank errors.


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PNC Bank credit card is one you should avoid. They advertise reward points but unlike other credit cards for their card when you spend $100 you don't get $1 back. You get 20 cents back. Also they advertise bonus reward points but do not award these to your account. You have to call and follow up and end up wasting your time.


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I've been using PNC Bank for a while now and have recently hit a rough patch in my life drastically altering the amount of money I make. With that said keeping track of my money is more important than ever and I probably didn't notice this bank's dirty accounting schemes, because I didn't have to or they like to take advantage of the poor.


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I am upset that fees are doubled when a non PNC atm is used. My account is constantly overdrawn due to atm fees that are posted after the dates the transaction was actually made, as well as a separate fee deducted from PNC bank per transaction. I constantly feel as though my money is being taken instead of protected. I regret ever banking with PNC Bank.


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I have been banking with PNC since 2015. Ever since I have had this bank there is always a problem with my transactions & my card. When calling to speak the representatives they would bounce me back and forward from going to the branch bank & having to call them back; yet still couldn't help me with any of my situations. I have becoming outraged with this company because when first becoming a customer I received a different message then what I am getting. For example this morning I called the 1-888-PNCBANK because I found that my account was overdrawn by 34.66. 


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I have dealt with this company for over 40 years - both personal and business. I applied for a personal loan to purchase a new vehicle. I was told I would receive a lesser interest rate if the payment was "automatically deducted." Since it was a business vehicle, I wanted the deduction from my business account (TD Bank). Once it was time to sign the papers, they did the old "bait and switch" and swore they told me it had to be a PNC account and I would not be receiving the same interest rate initially quoted. 


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I recently leased a vehicle by applying for an auto loan with PNC Bank. Despite paying the car note on time I was bombarded with calls from the PNC collections department regarding payments that were already submitted on my end, but not reflected on PNC's end. As a means to end the continuous phone calls I made additional payments in hopes that it would be recorded so that the calls would stop. Fast forward a few days later I discover that my bank was debited two times the amount over. In an attempt to reverse the payment, I contacted the local branch. 


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I was sent a two Check $535.00 each to Department of Homeland Security and money did not go through from my account! The only problem was my signature was not the same when I opened my business account four years ago! At the end I got a ticket for $30 and I have to start with everything. Again and again I have to pay to my lawyer! (So I lost money, time and also trust!) That's the worst bank ever. Will never go in again!!! That was a check for a government not up for someone and that was only $535 total $1070 again for a government! It's so unprofessional.


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I recently noticed a $500. Withdraw from my SunTrust account that was deposited in 3 separate PNC accounts. I did not in anyway give my permission or information. Not cool PNC. I will be retaining a lawyer.


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PNC seems very fraudulent in their banking practices. The pile on banking fees while your acct is in the positive, should be criminal. The policy changes from manager to manager. The excessive fees equates to "processing time" but it doesn't matter if you have money in your account. They'll find a way to pile on excessive fees and try to make you feel that you're delusional. And the automated system is a joke. It constantly gives the wrong information. The worst bank I have ever experienced.


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I own a small business. Had a credit card processor salesman from PNC come to my business along with the branch manager. Told me they could save me so much money, made all kinds of promises, they told me it would cost me $36 a month for 3 years to lease the credit card machine. I am now being charged $55 -$133 a month. You are locked in a lease. No way to get out. When I confronted the salesman he said, "You signed a legal document and if you don’t pay your credit will be impacted." Stay away from this bank. They are con artist!


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I had a situation where an automatic withdrawal from my checking was delayed by a holiday resulting in overdraft fees. I'm not angry about the fees themselves, it's how PNC compiled them. They claim they happen by automation... That's not totally true. When the first overdraft hit it was for a scientific amount. When the others hit they positioned them to get the maximum amount of fees they could. I saw the first payment that caused the first fee get pushed back so the smaller ones can go ahead of it. Here's the kicker, I stopped putting money in the account so these jackwagons changed my account status so they can start collecting 15 dollar fees for activity under 2000 a month AND DIDN'T TELL ME! I happened to check the balance and it was overdrawn by 15! They even turned off my mobile and email alerts so I wouldn't check the balance. Total sleazebags!


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This bank does not disclose anything when you open an account... unable to transfer your money to other institutions... holds your money for weeks! Tried to charge me for closing my account for poor customer service... still waiting for my money!


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I would like to start by saying if there was 0 rating option I would have given to this back. I went to one of their branch applied for personal loan. I have income of 80K plus I own my house. No mortgage whatsoever. I have a credit over 780 points and still got declined by this bank. I will be closing all my accounts with PNC and I will take my business to any other bank.


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We moved to a new address over a year ago. PNC has not changed two of our accounts to the new address despite repeated and I MEAN REPEATED, many, many requests from us over of the course of the last 13 months. They always assure us the problem has been corrected. It never is. USPS has a nice forwarding sticker for our mail from PNC because they absolute refuse to change the address to the correct one. This is mind-boggling. We are going to have to go with another bank because of this. They say they care, but the facts say otherwise. They are apparently too big to be bothered by us.


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I'm supposed to have only one overdraft fee and why I have a returned checked that I already been paid. My overdraft suppose to be only one, which I agree to pay. Then, suddenly my old transaction is popped up and unpaid. My old transaction is weeks ago, and how it come out return and unpaid, which is doesn't make any sense. So now I have additional fee of 36 dollars and it's accumulating over and over again. This bank is killing me with penalties. The good thing is I don't have a heart problem, otherwise I already have a heart attack and this bank will kill me with tons of penalties that my old transactions already been paid, which is not related to current. I regret that I gave them a five star before, but now I should give a Negative -0 star.


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To jump right in, I deposited two separate transactions on Friday during the day, into my business account. The total deposits were $53,000, and therefore I will not have access to that money until the next Wednesday since Tuesday is a holiday. If I had deposited $49,999 I would have access to it the next day (Saturday). Leaving me with $6000 to run my business until the funds clear due to a idiotic policy that is only in place to screw hard working people out of money as I am surely going to bounce transactions because I can not afford to shut my business down for almost an entire week because PNC has a million rules, designed only to make more likely the possibility of them collecting more fees!


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As I read the reviews I almost decided it wasn't worth the time to air my complaint. With a one Star rating it seems that I will be looking to move my 4 accounts and credit card to another bank. Both of my sons also have accounts. I purchased a 400.00 golf club on Amazon from Vertical Groove in February and it broke in October. I tried contacting Vertical Groove with no success and Amazon only wants to credit me 319.00. I called PNC credit card and after a long hold told my story and then was transferred after another long hold and retell the story that they only help you for up to 60 days. The lesson we are starting to learn is when we will only be able to buy things online we will be stuck when products fail. We will have no options. I will seek info on different banks and credit cards to see their policies and then make a move. Goodbye PNC. You don't need me.


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My husband and I have banked with PNC for many years. For the FIRST time in my checking history - I made a mistake (yup, a human error) and forgot to xfer savings money into my checking account on time before the check was cashed. It’s the holidays. 5 days away from Christmas to be exact. I work in one of the companies where our busiest seasons is NOW. I attend school and work second shift. Well, the funds WERE there. Just not in the correct account. You think some type of understanding would be considered. ESPECIALLY that this has NEVER happened to us before. But no. It was a solid NO, several times from the management at customer service to waive the $40.00 overdraft fee. Is it the $40.00? Not necessarily, but the very principle. And then it’s “Merry Christmas” to end the call. Yeah, thanks PNC for giving an overall financially responsible customer a break after ONE mistake was made. Thanks.


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I applied for the PNC High Yield Savings because of 2.35% interest and tried 3 times to work through the security verifications which timed me out and/or disconnected me. I called many times over a 6 week period and finally through a USPS paper trail had an account set up with PNC but not online yet. That process took another 2 weeks of spending hours on the phone after being transferred multiple times. Their phone tree service is also very poor to get to talk to the right person who knows anything about this product.


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I applied for the PNC High Yield Savings because of 2.35% interest. I applied online and I received the approval notice email the next day. The email said to call PNC to obtain the account number so I can enroll in online banking. First the phone number did not work. I had to Google customer service phone number. Then I got transferred multiple times. The representative does not know the process of opening PNC High Yield Savings so they are asking for PIN number or account number. I spoke to escalation representative and got the toughest security questions ever. Then my call got disconnected during the security verification. Hopefully the experience will be much better once the account is fully set up with online banking. Otherwise, I will be wasting more time trying to close the account.


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I have had my accounts with PNC for over four years. When I opened it, the minimum balance required for the Premier Money Market was specified at $250.00. I have $600.00 in that account and $2000.00 in total between my checking and two other savings accounts. I saw a $10.00 charge assessed today and called customer service as to why. I was told a big lie tonight; I was shocked when the pleasant woman, after putting me on hold for several minutes, told me that a $5000.00 minimum balance in my Premier Money Market account is required. I have rarely had the luxury of having that amount of money in an account. Furthermore, the woman told me that I have been assessed the charge for years. I reviewed my statements. False statement. Well, this BS pretty much seals the deal. Leaving PNC tomorrow and going to another bank. I don't do business with people who lie. Period. End of story.


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There has been numerous occasions where PNC bank will not reflect actual balances, debits or credits. They slipped up when the rep. informed of two debits in their back end (detail report) I could not see online. Debits were held for several days that did not reflect by balance but they charged me 2 overdraft fees. I will be reporting this incident to the state. They were sued and fined a few years back for the similar violations.


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I went to bed on 12-12 with a balance of over $500 in my account. Woke up to an overdrafted account of $123.89. My account was actually $51. & some change overdrafted from miscalculating my funds. They charged me $72 in fees. I didn’t even have a chance to put money in the account on the 12th because I had a positive balance & not overdraft emails or notifications until 7 am. So why the heck should I be punished? I posted a photo as my proof. You can see the screenshot of my picture at 1:08 on 12-13. I got the overdraft notification the next day. They are suppose to notify me the day I overdraft my account.


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I opened an online account there on 12/5. They took 2 days to "approve" my account then sent me a letter with the only last 4 digits of the account number. You need the full account number to log on the first time, so this was worthless. I called and had to be transferred three times and go through the full ID process each time. Everyone I spoke to was unfriendly and robot-like. When I finally lost it when asked to ID myself the third time, the guy lectured me about how I was speaking to him but finally provided me with my account number. 


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First I want to say PNC Bank smart access is the worst idea ever. The first time you have a problem or dispute no communication from the the dispute department. They close your account. You cannot get your money out. How does a bank close your account and don't even notify you of it. In the midst of trying to call everyday to get my money that they have approved to give back. My lights have been turned off. My other bills are due. This is inexcusable.


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The PNC Branch at 1919 Pennsylvania Ave. in Washington, DC is the worst place you would ever want to have any service. They simply DON'T care about your requests and they are very lazy to their job. I requested some foreign currency and they said they would call you when arrived. No, they won't call you. When you call to check the status, they would say no because they don't have a courtesy to check the envelopes and they blame post office delays. Finally when I asked the general customer line for help, I called the branch back and the manager had the courtesy to check. Then she came back and let me know the currency is in their branch. I spent more than one hour to find a simple Yes or No answer. Try to avoid this PNC at all costs.


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I had read a few concerning reviews but because of the highest available interest decided to go for it anyway. Terrible mistake. The approval of the account went smoothly but then the ongoing frustration continued to mount. Even though the account was approved, I couldn't transfer any money into the account for 5 business days. Now understand, I was trying to put the money in, not take it out. Once I was able to transfer money in, it had to be done in $75k increments per day. The maximum amount that can be deposited in 30 days is $250k. I wanted to deposit $375k. As you can see PNC seems to be doing everything possible to keep me from doing business with them.


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Their website is total JUNK - since I cannot use more suitable words in public. It's hard to use and far, far outdated. When the website fails, they will charge you fees due to their own outdated slow 90s website. Then trying to deal with their incredibly poor customer service is yet another obstacle to contend with. I'm unfortunately forced to use them because my mortgage loan was transferred to them, and it was hard to get the first payment made because their site kept bugging out. Tried to contact them and they responded THREE days later. It was very hard to set up a simple pay-from account on their website and since their site failed they charged ME an extra $15 fee, which they then said they could not remove. Which is baloney, you can remove a bogus fee. I could go into way more details but just want to warn of poor service ALL AROUND! STAY away from this so-called bank.


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We started our business with PNC and asked them for the credit card reader through them, they told us that it will be $27 a month to lease it and no minimum sale amount required. Also the device was insured for the lifetime of the lease of two years. I did ask the PNC representative that came to my store to talk with me about the machine and confirmed twice that I will only pay $27 a month for the lease, nothing else! Within a month we started to receive fees for apps that were supposed to come with the machine, they told me I had to have insurance on it and that it did not come with it and then today they charged me double for the machine for the month. I am so disappointed. The only explanation they can give is that I was charged for two months of use and I have only had the device 23 days. I have asked for everything to be canceled and take their machine.


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I'd been keeping a close eye on my account through online banking because I had overdraft fees at a time when I shouldn't have. I should have taken screenshots to prove it. Direct Deposits have been sitting in pending while debits are allowed to come through which caused overdraft fees. They will not refund and insist they have posted items as they come through. I also noticed several dates had changed on items that had been posted (not pending transactions). The change resulted in my balance changing from day to day causing an overdraft fee. Keep a close eye on your account and take screenshots of your activity. I will be closing my account with PNC.


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Spoke with Jennifer ** in the Retail Escalation Dept in the hope of trying to understand why a computer application denied me the privilege of opening a Checking Account online? She informed me that my application was rejected and a letter would be sent out to me. She could not explain why my application was rejected and refused to allow me to speak with anyone else about my situation. Is this the kind of institution and people you want to be handling your money?


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PNC Bank charged me 430$ in fees 'cause they paid out 3 of my bills which made me overdrawn. The 1 $19.55 check cost me $144 and they still didn't pay it. 2nd one for $47 cost me $72 and didn't get paid. This was only 9 days. This is bull. Been with them 40 years. Time to find another bank.


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Never late, never past due, never not paid every dime I borrowed from them back and they wouldn’t loan me any money. In my working life I put everything I made for while with them which was Million plus through the bank.


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A few months back I financed a vehicle through PNC. I am astonished they don’t have online bill pay. You have to mail a check with coupon. I signed up for auto withdrawals and I was told I’d receive a letter once it was set up. WRONG! I mailed a check and they auto deducted. I called and asked for a refund check or reversal of the auto payment. Because I don’t bank with them, it would take 2 weeks to get a check. No problem. I called 2 days later to find out if a check was mailed. “No ma’am. We were unable to verify your address.” WHAT? They had me verify my address when I called previously. Why wasn’t I called? Had to ask to speak with a manager 3 times before I was transferred. 


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Today I got an email time stamped for a time I was not even awake, saying the email associated with my SmartAccess card has been changed, and to call if I didn’t authorize this change. Before calling, I tried to log into the account and it said the last 4 digits of my SSN were wrong. So I called, and the rep noted I had called earlier in the day to change all of my information - I did not. They let some random person change all information associated with my SmartAccess account INCLUDING THE SOCIAL SECURITY NUMBER *OVER THE PHONE.* And for me, the rightful account owner, to change it back I’M the one who has to take time out of my day to visit the branch to prove my identity. But this was not so with whatever freak stole my information! This is NOT a bank that values your security whatsoever. Stay away.


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I will never do business with this company again. I have been trying to refinance the auto loan they hold for my Jeep. My credit union has sent 4 checks totaling well over 100,000 dollars and PNC continues to A) say they never received them, B) we received it and know who signed for it, C) it takes 21 days to process a check d) they never received or signed for a check - even though they before admitted they signed for the check and D) will not back date the check even though we have tracking numbers. This currently costing me over $500 in interest they refuse to return. Sometimes they will talk to my bank and give them my personal information - until we ask for the payments to process, then suddenly they need me on the line. So either they are breaking the law by giving out my account information or they are lying to make the process harder. NEVER DO BUSINESS WITH THEM! They are impossible to work with.


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Very dissatisfied with the Escalation team and customer service. Told late payment issue would be taken care of and it was not. Made payment of $51.33 in June and $551.33 was taken from my checking account. Told 3 times that they were refunding the $ and 5 months later I am still waiting, even after 6 calls to different individuals. Now Samantha at Escalation Team was helping but never once did she actually listen to what I said. Terrible service, I choose to never get another loan thru PNC.


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Checked the website to see if my Social Security check had been recorded yet. Shocked to see my checking account balance was ZERO. Cannot access activity for checking or savings. Savings was transferred previously since I am closing the account. However it takes Social Security 60 days to change banking info so the deposit was supposed to go there. Website says I last accessed my account at 9:35 pm. I knew that was incorrect so to be sure I checked my browser history. This desktop did not access the account at 9:35 pm. And of course, I tried to access the account after hours so there is nothing I can do now. Just spend a sleepless night wondering if I'm broke right before the holidays. This is the last time they will jerk me around. Found this website trying to see if others had reported the system down. At least I know I'm not alone with my dissatisfaction with this bank.


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I have had an account with PNC for about 20 years. We had a hurricane in Wilmington and the devastation was horrific. Because of the hurricane I had financial difficulties. They closed my account a few days before my direct deposit was to post. They held my check and are still holding it. I had to make many calls to PNC and the payroll department to try to locate my money. All the PNC employees told me the check bounced back to payroll. Payroll had no indication of this. No one from PNC got a clue where my money was. Finally I spoke with someone who told me they were holding the check and it would be mailed to me. It has been a week since it was mailed out and I still haven't received it. I called and spoke to Mark **. I asked him to cancel the check and wire the money to my bank. He said they can't do that. 


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Loan Originator lied to get my business. I didn't realize until my closing documents arrived 7 weeks after the process started that I was lied to on June 27. About the rate, time to close and closing costs. Every time he spoke to me it was on his personal unrecorded cell phone. Therefore, there are no recorded conversations at PNC.


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Made an account address change I did not ask for (instead asked to sign up for web banking so I can manage elderly parent's checking account) and 3 calls later, they were still not able to resolve issue. SHAME!


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I attempted to make my credit card payment via the telephone automated system without success. And subsequently was put on hold for more than 20 minutes while attempting to pay via a customer service representative, resulting in a late payment scenario. Background: PNC does offer a late payment exception but contains very strict guidelines. They employ a very inconvenient on time payment cutoff of 6 p.m. (E.S.T.)! I have 6-8 credit cards, with American Express, Citicards, Chase, & Bank of America among others, and in all cases there is a cut off time for on time payments with the earliest being 8 p.m. (E.S.T.) up to 11: 59 p.m. (E.S.T.)... very manageable and understandable. 


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On Friday 10/26/2018, I visited PNC Bank located at 340 Madison Avenue, New York NY 10173 and I used the ATM to deposit funds into my account. The ATM malfunctioned by accepting my deposit but the transaction was not completed as my receipt was not printed nor was the funds credited to my account. An error message came on the screen of ATM machine stating that no more than 50 bills can be entered at a time and the machine returned only a small portion of my deposit but kept the majority of my deposit. My deposit was under 20 counted bills. The machine then read that ‘service has been called’. I called out for someone at the branch to assist and was ushered to a banker who informed me that there was nothing that he could do since the bank does not service the ATMs and proceeded to call into the claims department.


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I will be closing my accounts shortly. What a load of crap... had money in other accounts with them but still took a $36 charge for going under by a dollar. Called to ask if it could be waived and why they didn't take it out of another account and was told no. Enjoy your $36. I'll be moving on. Ridiculous.


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No response to request for follow up - I've had an account for 32 years. Recently had fees applied I disagreed with and called expecting assistance. Spoke with two very rude reps, so called my branch. In both cases I was told I'd get a call back regarding my complaint. That was 5 days ago. Description: I made 7 or so purchases each less than $3 after confirming my bank balance. The following day I saw a bill payment that legitimately put my account in overdraft, but it was listed between the several small purchases. PNC then added $36 overdraft fees to 2 of the $3 transactions. I will not stay with a bank willing to lose a long term customer due to $72 false fees.


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I decided to give this bank a second chance after having to close an account because they would not stop withdrawals from a scam operation. I opened an account for a non-profit organization and after jumping through a lot of hoops, the account was opened. A month or so later, I received notice that the account was being closed. I asked why and they told me to go to my local branch. The local branch said that I had to sign a few more papers which I did. Today I received a check saying that the account was closed with no explanation. This is the worse bank I've ever dealt with.


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On 9/20/18 I called for a payoff amount, was given $7,488.25 which included a cash advance balance of $661.64. Paid this amount on the due date but it wasn't actually applied to account until 9/24. Received my Oct statement with a balance due $13.34 from the cash advance balance, not purchases. 10/4 3:51 pm I called cust serv. Spoke with Dawn **. She stated account closed 9/24 and that's the interest accrued up until 9/24, asked why there isn't interest accrued for my balance on purchases, stated was paid off 9/20, stated account is zero but cash advanced still accrue until account closed, asked her to get a supervisor, she stated she talked w/her super and agreed to give a "Supervisor Exemption Waiver" for $13.34, allow 3-5 days to appear, wanted guarantee it will be done so I'm not charged a late fee, stated no fee since 3-5 days is before due date 10/20. 


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Highly recommend to not bank with PNC. Horrible Bank! Opened savings account online only to have my funds on hold for weeks and held hostage not having access to any of my money. Do not bank with PNC.


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I had given my savings account by accident to my rental portal instead of my checking account. I had called because the portal kept taking money and did a stop payment from everything from that company. Well, the first rep only did a stop payment for the rent amount and not everything that was supposed to come from that company! So the portal tried to take out a fee for $20 and that kept giving me NSF fees three times. When I called again the second rep stated the first rep didn't do a stop payment for everything! So he did but fees kept coming out and today when I called a manager at escalation he refused to understand and listen that the first rep didn't do the entire job like he was supposed to. Otherwise nothing should be allowed to come from the portal! 


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The phone customer service was exceptional. The associate showed empathy about any the wait time as a result of slow network issues. Nevertheless, I was charged an overdraft because I had inputted the information of my savings account instead of my checking entirely by mistake. I explained to them that I obviously had money in my checking account and that it obviously wasn't intentional yet, they rejected forgiving my fee because I had been forgiven before (more than a year ago) and that somehow barred me from getting more. These overdraft fees were never intentional and were a result of a school loan system that would continually change my account without permission and the business would not return the deducted amount. It's ridiculous what businesses are allowed to get away with nowadays!


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Worst service! I used the PNC App and tried to pay my credit card. The App had a feature of “Pay my Bills”. I transferred the money and it took five days to send it. Then the PNC customer representative promised me that he would help me remove the late fee. Today when I checked my account. The late fee was not refunded. I called them. The representative named Austin (in the acceleration support team) told me he could not help and later hung up my phone call. Since PNC could not help, why did they say they would previously? I was shocked by Austin’s attitude because never had I met such a rude customer support!


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I've been a "customer" of PNC for several years and I'm done at this point. Customer service is a joke and I'm tired of being nickel and dimed. I do my banking online through the PNC app and it's caused me overdraft charges due to latency of charges showing up and I noticed the last time and this time that dates of money going in and out have changed. Sure it's just negative a few dollars but PNC will charge you $30 something dollars on any amount overdrawn and then $7 until you can straighten it out. This bank is garbage, go anywhere but here.


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I just opened a account with PNC. In the past my dad has endorsed check to me for bonuses and such. The 24th of October he endorsed another check to me and it was a higher amount than in the past. With that said I knew there would be a so many day hold on the check that in understandable. Now it has been past 14 days and all of a sudden I'm told the check will not be available to me so I call my father. Upset he reaches out to issuing bank that informs him the check had been paid for over a week now. I contacted PNC they have no answers for me. Just keeps repeating they believe the funds will not be paid. YES my friend they will and have already been paid to PNC. Where is my money? Now I'm told it will take 30 days to look into. What kind of scam is PNC on?


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When calling in a complaint about a local branch I asked for a return call from the District Manager instead of the Branch Manager. They absolutely refused to tell me who it was and would not guarantee a return call from the District Manager. I was told that was "strict" company policy. Any complaints I had could only be handled locally. She wouldn't even forward my complaint to the District Manager only the Branch. Which makes zero sense because that is where the problem stems from. That’s like the fox guarding the hen house.


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I have been an account holder for years since PNC took over RBC with whom I had been a long-term customer. I have personal and business accounts. Last month the bank canceled my 2 business accounts and personal account without notice. This caused numerous recurring payments to bounce and prevented me from accessing cash while traveling in Mexico, during the week it happened. Upon return, I was advised that my accounts were closed because the bank was missing information regarding my citizenship (I am a green card holder) and I needed to take various pieces of ID to the local branch. Which I did. After an hour with the local rep, and him on the phone with HQ, it was determined that they did, in fact, have all the ID on file and that the accounts should not have been closed in the first place! 


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I needed to have a document notarize and found a PNC bank near me in Hazel Park Michigan near 9 mile and Michigan blvd, every other time I needed a document notarized I always went to the closest bank to me and no problem. But PNC must have a policy that they will refuse services to anyone that does not bank with them, not the best way to make new customers. I don't think they would have even given me change for a dollar. Feel bad for customers of PNC bank, they can’t even treat people like human beings. Hate to have them taking care of my money.


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PNC Online banking has been difficult to work with. They have made two major mistakes on our bill pay account in the past year. One typographical error, one penny short, caused us to have our health insurance cancelled for three months in arrears. We had no idea we did not have health insurance, all because of a one penny error. On another occasion, our credit card payment was paid by PNC Online Banking. We received a confirmation that the check was issued and sent two days before the due date. Received our next statement and found out that the credit card company never received the check and assessed us interest fees. We always pay our bill in full every month. When I asked if PNC would stop payment on the missing check, I was told they were not responsible.


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I've been a customer for 10+ years, but due to some recent major problems, I am now taking steps to close my account for good. The first problem: I fell on hard times this January because I did not get paid that month, so I bounced some checks. I got charged fees, which is understandable. However, I had a hard time paying back the fees, so it led to Continuous OD charges that added up fast. I ended up losing over $200 in fees because of this. When I finally got paid, what I owed plus the fees came out. Since this, it's been a long uphill battle of trying to catch up: I keep falling short, overdrawing, and then get charged even more fees. According to my last statement, I have amassed over $900 worth of OD and COD fees this year. That is not counting returned check fees or stop payment fees. 


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I recently got a car loan through a different PNC branch, which was a nightmare, horrible experience that took them months for them to get the paperwork right. This was switched from GM Financial. I went to the Algonquin branch yesterday to deposit my overpayment check received from GM. The check is written out to me & my former co-borrower. My co-borrower signed the check, I signed the check & when I went to deposit it in my PNC account they told me that we would need a joint account in order to do this! WHAT??? This makes absolutely no sense at all. They clearly are incompetent & should not be working with people’s money. I called the branch I got the loan through & they agreed this makes no sense, so now I have to go out of my way yet again for their repeated mistakes. I’m about ready to pull my loan from them.


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I have dealt with this bank for 3 years and will now be closing my account. I made a cash deposit after hours for a bill that would be automatically taken out the following day. The ATM ate the money without crediting it to my account. The next day, the bill was withdrawed, overdrafting my account and charging a 35$ overdraft fee. After over an hour on the phone explaining the situation, I was told that I would have to file a dispute to get my money back. The woman was very helpful and ensured me that the money would be credited back right away. 


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PNC is the worst bank I've ever dealt with. I opened an online bank account called a "virtual wallet" with PNC 12 days ago (08/23/2018). According to their enrollment process you have to make an initial deposit in order for the account to be created, and one option is to do a direct transfer from another bank, so I chose that option. I opened the account at night and the money was transferred from my existing account the next morning, but as of this afternoon (9/4/2018) it still hasn't shown up in my PNC account. 


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PNC Bank lives to charge fees. I have had several issues but this is the latest. I have three overdraft fees of 36 dollars each, and then two seven dollar "continuous overdraft fees" and a 21 dollar "continuous overdraft fee". I called and reported that one of the transactions reported was fraudulent and it was already reversed, and the customer service agent even refused to take off the fee for that until I insisted. I do not get paid until Saturday, and how many more "continuous overdraft fees" are they gonna charge? I have direct deposit, they know the money is coming, but it's how they make millions and billions off struggling people like me. 


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My ongoing issues with PNC during retirement. Went online to check my HELOC only to find over 5 thousand dollars in late fees never having made a late payment with a credit score of over 800. This is serious stuff. Took time away from my family to call. Very nice person was able to tell me they have a system issue no late fees. They just have no way of letting customer know since it is impacting so many. tThe only way to find out is calling. I called executive response team the next day. They claim it is a company wide issue that they have no way of knowing how much stress it causes me or they do not compensate for my time lost that I will never get again. 


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I prepaid my taxes in 2017. I notified PNC about the prepayment and said they would adjust my escrow account according. They didn't. After 12 phone calls working with 3 supervisors 3 months later they still didn't get it correct. I again initiated a new escrow analysis in July and they still haven't calculated my escrow properly. They are making money off of the excess funds they are collecting off of me. Don't get a mortgage through PNC or if you do expect the worse service you can possibly imagine.


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I've been dealing with rude and unhelping reps for years with PNC! As a customer service rep myself for a payroll company, I KNOW how to treat and understand others' POV, but apparently most of their reps don't get trained on decency esp. when you're dealing with someone's finances. I had 1 great experience with an amazing rep just a few weeks ago (but it's the one time PNC doesn't send a survey link to take, go figure) named Bill **. He acted like he genuinely cared and wanted to help and actually did so (gasp, I know). He was so understanding of the situation and went above and beyond in taking care of everything that I got emotional such people still exist in the working world.


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In a nutshell, a bunch of over promising and under delivering. From top to bottom, their communication, attention to detail, and estimating is the most horrible I have ever encountered. They left us homeless for 4 days because they failed to get to our file in a timely manner. It seemed like they just forgot and overlooked it somehow. We communicated everything on our side and gave all the documents requested quickly, yet when it came to closing we had to get everything rescheduled 4 different times because they couldn't figure it out. From the VP of Mortgage, all the way down to the loan officer, communication was terrible. Follow through and follow up was non-existent. We had to follow up EVERY single time. I do not understand how a company would allow this type of service. Might as well just go through Quicken Loans.


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Just found a charge on my business bank statement called Cash Flow Insight which I've never signed up for. Customer service claims it's a legitimate fee and absolutely refused to refund. The best part of all? Because of Cash Flow Insight, I can't see past the 5 recent entries into my account - which even the rep admits he can't resolve. Terrible product, terrible customer service. Never again!


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So I disputed some items off my account some months ago. They said they sent me a letter which I never received btw. Stating that I need to send something in concerning my dispute. But remember I never received that letter. I have my own business and when I send important documents I send it certified. That way I know they got even if they say they didn’t. I receive my neighbor's mail all the time on accident and I would of course return. Let’s be honest most people don’t do that. They are saying because my dispute is over 120 days old they can’t give me my money back even though I have a letter stating they were. So I talked to this manager who was getting upset with me because his punk ** didn’t understand what I was saying. I’m definitely going back to Chase or anywhere else that’s not PNC.


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First this: I understand fully that any bank can cancel your account for any reason AND they are not required to disclose the reason (due to the fact that in American lawsuits can happen for any reason). Second: I have been living and working mostly overseas. In the past year have been transferring about 4k USD a month into my Virtual Wallet primary account without a glitch. I am stating this as it is THE ONLY change I had in dealing with my accounts for many years. In June I was notified via mail that my VW accounts would be closed. I called the CS number and was told that it was due to inactivity. I told them there was activity, and explained fully everything that I do with the accounts. They then told me as long as they were being used in the way I described the accounts would not be closed.


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It took PNC nearly two months to process my auto deduct forms through my own bank--- Jackie **, Megan **, and Anna **(all "Customer Service Escalation Managers") were of absolutely no help. They lied (claiming that the Consumer Loan Center had never received my paperwork, even though I sent the packet by registered mail), extorted an electronic transfer of money from my bank to cover the first monthly payment, and charged $71.00 (!!!) finance charge (on a 5.89% APR loan for a very small loan amount). 


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My wife and I went to PNC bank to open up a checking account. We went together but decided for tax reasons and other reasons to have the account in my wife's name only. My wife was traveling to Tokyo and Korea and we wanted to make sure we can take money out of any bank there by either cash advance or ATM. We were told, "No problem as long as they have the visa logo and/or Global ATM." Well it was not. Because my wife tried a few banks to get money out they then put a block on the account. My wife was having surgery and needed the money to pay for it. She had to borrow money from a friend to do that. 


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I only wish the CEO or CFO read this complaint. I have used your online service. It needs an overhaul, I have gone into your banks. They are the worst. From the time you walk in the door to the time you leave. I have called your 1-800 number. They are great at not having a clue thus they put you on hold and transfer you to someone else who has no clue, I call your executive office. They do not care that I spend time away from my family to resolve an issue due to your bank errors and they do not respond to the better BBB. 


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Opened an account. A check was returned. Made a deposit in cash to cover it. They closed my account. Not a warning. Nothing said. Worst bank in the world. Take out your money and go to another bank, every time you call customer service they tell you something else. Let them stay in New Jersey.


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I work the night shift and do online banking around 3am. I am getting this message "Transaction history is currently unavailable. Please wait a few minutes and try again" every day. I can log in but unable to do transactions. There should be a front-end message if the site has a problem or going thru a maintenance. There is a no customer service available until during the day. It is very frustrating!


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So I sign up for this crummy bank because they were offering $200 as a sign up bonus as long as you open a bank account with $1500 and keep it for two months. So what happened after two months? I began to get a maintenance fee. How convenient for them. Complete B.S. I will fight for my sign up fee and flee with my money.


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I hate this bank. They do not care about their customers at all!!! I will never tell anyone to go here. I've been a customer for many years and they could care less!!! When your acct is overdrawn they wait till you get a fee then they email you instead of emailing you so you can fix it!!! Not to mention the rude ** I talk to on the phone!!! This is only one of many issues I've had with this dirty bank. They are in it for the money and say ** you to their customers everyday!!! DO NOT BANK HERE EVER!!! YOU WILL BE DISAPPOINTED!!! ** YOU PNC BANK YOU SUCK!!!


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PNC Review. I had several items that had been charged to my debit card and I decided to dispute them. I was in Myrtle Beach at the time but was going to Italy for several months for work. I spoke to the escalations department and they told me they could either mail me the forms that needed to be filled out or I could come into my local branch. I told them I wanted to come to my local branch since I was going Italy for several months and getting mail over there is always a challenge. 


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Ok let me start by saying when I first opened acct they was running a promotion. I found out about online but once I went into bank they didn’t tell me about it. Get home call. They tell me I have to close acct and reopen when I had already set up automatic deposits with my job and my human resource dept is located in Denver. I am in Alabama so that was going to be a process and they still wouldn’t waive it and give me the promotion. That was my first flag. When I used my card somewhere and they took it off but then the transaction was missing and showed up days later. Acct got drafted. Was charged NSF fee 36$ and 7$ each day it was in the negative and from what I have read I am not the only one. Wished I had seen this a year or so ago.


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These are the times we live in now. Where it's ok for the teller at PNC bank to put your hard earned money into someone else's account. Took three phone calls to get it sorted out because she simply did not want to deal with it. Now my account is less than 20.00 and I have three more days of gas and food to provide for a family and how does one make it on that? How do they think this is ok? Why should I have to wait on money that should have been deposited two and a half weeks ago. Why should my family suffer for their mistake? I seriously cannot even believe this. Shame on you PNC!


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PNC Bank requirements to automate loan payments grows ever more convoluted and obscure. The customer cannot automate future payments in any amount beyond minimum payment due. Today, a conversation with customer service I learn that the customer cannot make a payment from an external checking account (transfer funds from an external account). When I asked to speak with a supervisor I got a voicemail from one Kelly - who does not work on Fridays!!! What sort of financial institution is this? I echo an earlier commentator: my loan was transferred to PNC. I have never had a good experience with this bank. They always want to know "the amount of my last payment" - something I can't always remember. And if you can't remember - they can't help you.


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Here's the cute trick PNC Bank is playing: Say that you made a $1,000 deposit today. Say that you have written three checks, each for $200, that are also presented to the bank today. PNC will allow $100 of your $1,000 deposit to be credited to your account at 11:59 PM. Then, they will present the three checks for $200 each against your account at 11:59 PM. Since you don't have the money in your account to cover the checks, they will charge you a bounce fee of $36 for each check. Then, ONE MINUTE LATER, at 12:00 AM, they will credit the remaining $900 of your deposit to your account. And they cover the three checks so they are not returned (how nice of them, ha), but you just paid them $108 (3 times $36) in bounce fees. What a great bank this is! I wonder where they learned this slick nasty trick? Stay away from this bank!


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Garbage company! Called today because my merchant services was taking a week to deposit into my account. Supposed to have 24 hr support, obviously do not! So ask the lady what she can do. She says nothing, she is I credit card department. I say, "Ok, can I please speak with your manager?" She says she is the mgr! I say, "Ok, can I speak with your boss please? You did nothing wrong, the policies are mess." She says they can't make outgoing calls! I said, "Ok, please have someone who can help me and call out contact me." Then an abrupt click! She hung up on me!!! What kind of professional does that! And she is a representative of them!!!


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PNC website badly run and apt to cause you to overdraft. Pending charges are disappearing from the pending list and the money reappearing in your available balance only to have the charge magically reappear and be paid late night on the next banking day. This has gone on for months. I am now screenshotting it daily to prove it, and it happened again today. I am leaving this scam of a bank. I should have done it several years ago when they embarrassed my husband declining his card at a business lunch. Their reason? The charge was coming from Miami Florida. 


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July 3, 2017, I went to PNC Bank at Shoprite Branch located at 2200 Neshaminy Blvd. Bensalem, Pa 19020, to withdraw $2000 out of my checking account, PNC Bank teller processed my request got the money and left. A few days later I got a call from PNC Bank Credit Card department congratulating me on the credit card approval, I told ** that I never applied for a credit card, ** told me that he has a filled out application, I told ** it must be a mistake, ** again told me that there is an application filled out under my name, I told ** to shut it down immediately, PNC Bank Pulled my credit report twice by PNC Bank Employee on July 3, 2017, without my permission, without my knowledge.


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‪I too would like to share my PNC experience. I am an honest hard working typical American Grandma. PNC bought out National City Bank many years ago and so my loan for my truck swung to PNC Bank whom we finished the loan payments to, all paid off years ago, in full. Apparently someone was lazy with the paperwork. We were still driving the truck until a recent wreck. Suddenly we find we need our title so off we went to our local title office. Found out that “National City” aka PNC Bank still shows a lien on it! Say what?? More than 10 yrs later?? I call PNC so far I have spoken with 4 “Resolution Agents” and someone I keep emailing with here on the help site. Two agents were able to find my information and confirm I owe NOTHING to PNC but yet they have not RELEASED the lien showing on my title. 


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I have never had an enjoyable experience with PNC. I have banked with them for 10 years, originally opening an account so I could receive direct deposit from my job at the time. During this time, they've changed from National City to PNC and everything has gotten worse and worse. When I started I had a Checking account and a Savings account. When I quit, I had Primary Checking, Standard Checking, Reserve, Growth, Interest Savings, and Spend accounts. Where do these accounts come from? Who needs this many accounts? I went to write a check which I haven't done in years, for a $10 expired parking meter, and the money came out of the Reserve account which I didn't even know I had at the time. The account didn't have any money in it of course, and accumulated $220 worth of overdraft fees. I never noticed until I finally got a call from PNC notifying me of this. 


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STAY AWAY FROM PNC INVESTMENT AT ALL COST! I opened a joint investment account with my wife on 2016, and two individual IRA accounts. I trusted my investor to pick out an investment for us, and that is when the nightmare begin. He told us the accounts will be mature in 3 years, and I will have guaranteed to at least have my initial investment back. He quit the job in less than 6 month, then my file got transferred to another investor, who quit within 4 weeks. 


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Was doing business with this bank then someone stole $90 from my account in Mexico. Took three months to get it back then I talked to the bank tech to red flag it but the same person tried to order airline tickets a few weeks later. Bad experience.


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This bank is far from customer driven. I HATE THIS BANK. I have been trying to change my auto draft, which I am allowed to do, but I call the customer service line and have received three different suggestions on how to accomplish this. I have been provided wrong fax numbers and different instructions each time I call. I finally called a branch and my loan agent never returned my call. It has been a disaster. I have it set up on auto draft, which they required even though my two previous loans have been with PNC and I had a perfect payment record and I have a beacon score over 750. They do not care about their customers. Three months now and I have not been successful at getting my draft date changed. PNC SUCKS. Please. If you are considering a bank, please do not use PNC. They are not customer friendly nor customer driven. STAY AWAY.


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I feel that my account is being closed out in a wrongful manner. They gave me the excuse that it was because of fraudulent activity with wire transfers to my account. This happened because of miscommunication on the bank's part for not giving me the right numbers for wire transferring internationally. And then to not notify me that my bank card was suspended and I could not pay my bills on time and incurred late fees is totally unacceptable behavior from the bank. I feel that I should be compensated for something.


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I’m new to PNC bank and will be changing again shortly. I just went to my local branch to open a checking and savings account for my son. I was told we would be waiting a little bit because they were in between lunches. When I asked how long they said an hour. Must be nice to have so much business that everyone that can open an account for a new customer can leave for an hour together. Obviously they aren’t interested in new business or the business they already have.


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The fees are ridiculous! PNC Bank is not loyal to their customers. Managers in several branches in the northeast are rude and self-entitled. I finally had enough and switched to Citibank. What a complete difference. I'm so much happier in every sense of the way. All these ridiculous PNC Bank rules don't exist at Citibank. I do not recommend PNC at all.


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I've been a customer of PNC Bank for more than 35 years. (Northeastern National Bank and Trust Company) before the takeover. I've always had a good experience with this bank and never had any problems.


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They lost a $30,000.00 deposit then Tried to blame me after I showed them the deposit slip. No apologies. It was deposited in someone else account "by accident". I had overdrafts and fees they DID not cover.


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Have been dealing with this bank for over 35 years, always with good people, and courteous help. Haven' t had any bad experiences and don't plan to change banks in the near future!


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Trying to get a title released is more difficult than flying to the moon. Days of delay and no information. Just got off the phone with one of their agents. Took honestly 55 minutes to end up with NO information as to when my title will be released. The loan was paid up a week ago! You can only imagine how unhappy my buyer is and I don't blame him. They say they are overloaded!!! Of course Bill Demcheck, CEO, would never have the decency to hire more people to actually have customer service. NO, his $13,000,000.00 last year was just not enough money for him. Yes that is 13 million!!! But you as a customer are just a piece of dirt. These guys should be put in jail.


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Had 3-5 calls from automated phone line requesting information. Did not respond. NO one with a brain cell will respond to those anymore. Finally received a call from a PNC rep from loss prevention. She indicated that my card was compromised AT the location that I last purchased something. I do understand that this isn't possible. She had me on the phone for 15 minutes and put me on hold to try and expedite a replacement. I waited on hold for another 12 minutes only to be disconnected. I called back 3 times and was disconnected before I got to a rep. I then had the displeasure of getting "Pam" who actually put me on hold while I was talking and then came back to the line and said "are you done talking so I can talk." Rudest, most disrespectful person I've ever dealt with. She should be fired.


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Closed account causing checks to bounce - My daughter planned a trip Overseas to volunteer to help Others. We issued a check To the travel coordinators and the bank close the account. According to our records the bank Authorized us to issue the checks. Said the account was good and the account was closed. They claim by the account holder which was not accurate. The account was never authorized to be closed causing insufficient funds fees. I researched other reviews and a turns out this seems to be a common occurrence with this bank generating revenue from this ERROR.


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After having an account with PNC for 10 years, I inquired about a home mortgage loan and was working with Kara **. I spent a week provided 3 years of tax returns, all investment accounts and contractual information on my employment. I was told that my credit score was very good and should easily qualify for a loan based on my debt to income ratio. I never heard back from Kara and after leaving numerous messages and contacting the complaint department, Kara returned my call and informed me that the "underwriters won't approve the loan because your contract is only for a year". I had the director of the program contact them to explain that the standard contracts are a minimum of a year but intended to promote long-term employment. Regardless, Kara could not explain why my calls were not returned and the at this point I will never do business with PNC again.


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This is the worst customer service I have ever experienced. I received an email that contained my balance at 12:45PM on April 16th. According to my Virtual Wallet app that the bank sells to you as a tool to make banking with them "worry free" the amount shown in the email was accurate. I never deposit the full amount of my check because even though it is payroll, it takes days to process. I deposited the first check I received after opening my account with PNC on a Friday and my funds were not available to me until the following Tuesday (even though I was told I could access them the next day). After that I opted to pay to have my check cashed elsewhere and deposit a portion of the cash into the account, so I always have cash on hand at the house. As of 11PM the amount had not changed in my account, and I had not used my debit card in two days.


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PNC is the worst Bank period for fair treatment of its customers. On 3.27/2018 I requested a Balance transfer which "immediately" posted to my PNC Card. Upon contacting Customer Service, I was assured that a check had been released the very same day to the other bank. After 18 days no check has been received and PNC declares it must be lost in the mail. Apparently the only option is to reissue and wait another 15 day process time - CANNOT be expedited. That leaves me carrying the same debt obligation for 30 days with both banks. This is "legalized stealing" on the part of PNC since there will never be any incentive to mail out offsetting checks in a timely manner. Anyone taking advantage of this "unsolicited" offering should only use the provided checks - DO NOT use the Online script.


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Overdraft Item fee - I AM SO disappointment of PNC bank Customer service. They are the worst bank ever. I will never bank with them again. I will close my account with them and go and bank with other bank. They had the worst customer service. They aren't trying to listen to you or try to help you out. Never will I return back to them again. Are so rude when they are talking to the customer. They are just bad service. They just horrible? I am better with other banks.


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I honestly don't know where to start. Basically, I applied for an online personal loan. This company called Advance America was all a fraud. I reached out to my Bank (PNC) on 3-13-18 to professionally dispute this matter at hand. Let's just stay as of Today 4-5-18. I have not gotten $1000 situation finalized. I will continue to fight for what is right and justified. Please could someone help me. After, tomorrow I will be notifiy my local police department as well as the BBB...


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My son made 3 car payments at one time in February and received a confirmation number. Two weeks later the money appeared back in his checking account at the other bank so he called PNC to see what happened on 3 separate occasions and was told all 3 times the payments posted and he was all good. Yesterday morning he woke up only to see his car had been repo'd through the night by PNC bank for non payment. 


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This is the worst bank to make online payments with. I made my 1st payment by phone because I threw my pin number away after setting up my account in January 2018, which did not work, so I had to make another request for a pin number which took 2 more weeks. My 2nd payment cleared March 07, 2018. (For February.) Made my 3rd payment online March 23, 2018 believing it went through because a confirmation number was given. Well started getting phone calls today saying no March payment has been received. Called back with confirmation number and was told they could not track the payment with that number and my promissory payment was broken March 27, 2018. When asked what did that mean and the lady said the payment did not go through. Why? Money was in my account to cover payment. I have never dealt with a bank that is so difficult to pay payments with.


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PNC online banking installed a new system. Twice it didn't take my payment and I was charged a late fee. I had to call customer service to find out how to schedule a payment. I had no idea I had to go into transfer funds for credit payment. I called again today 3/26/18 because it happened a second time. I tried to set up my payment again! I got an error code and to call customer service! Credit card services is sending the info to someone else! This has cost me $26.00 fee. How many other people have late fees because of this system?


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PNC is probably one of the worst banks that I’ve ever been unfortunate enough to deal with. They have good features, yes, but their added fees are simply ridiculous. They charge 36$ for an overdraft fee, and if your account is negative for more than five days, they charge an additional 7$ for every day that the account is overdrawn. I’ve been told that they made 12 billion dollars on overdraft fees alone. They hardly forgive the fees, and all of the employees are like robots with no compassion or understanding. They rehearse the same spiel every time, and at the end of the day, they don’t really try to actually help you out.


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On 3/21/18, I went to close my account at PNC Bank, 2761 Fairfield Commons, Beavercreek OH 45431. Once the teller and I could hear each other over the carrying on from other employees, we confirmed that only the manager could close the account or I could get cash. The manager was having a 20 minute call while we were waiting even though he knew we were waiting. The teller then directed me to him. After confirming my identity with my license, he has the check made out to me to me to cash out. 


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My account had pending transactions on the 15th. I made a mobile deposit on the 15th. Given that PNC posts transactions by 10pm, all pending transactions along with my deposit were due to clear. On the 16th I was hit with two $36 fees as if funds were not available for what was pending. The Rep then went into explaining the amount of funds that are available immediately ($100) and that it was put against an amount of a recurring charge. When I alerted her of the fact that that charge was still pending, she then wanted to "research" why it was showing as pending when her "computer" showed it being paid from the "available" funds. After no clear explanation on that, she then went on to explain how Overdraft Coverage works. 


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I used this bank for 7 yrs. I have never been more dissatisfied in my life with a bank. Over the weekend I did a couple of emergency errands at a pharmacy before the snow storm. I had enough to cover my purchase on my account. On Monday I had to buy a transit pass to get to and from work, I was short $7.00. No biggie. On Tuesday I was hit with $115.00 on overdraft fees. On Wednesday it was $152.00. I called customer service to explain my situation and I was passed on to the department that handles the overdraft fee charges. The manager (John) so he said he was a manager, doubt it with his lack of customer service. Argued with me telling me that I didn’t have no funds for my purchase done over the weekend when I was monitoring my money through Virtual Wallet. He said he would not discuss the fees no longer. That he wasn’t going to remove them. 


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I've spent about 10 years with PNC, and for that amount of time they have been nothing but garbage. It's nothing to do with any of the physical people inside the establishment. It have everything to do with the online aspect of it. The PNC virtual wallet app is actual trash. It would be faster, easier and more reliable for you to check your banking information online with a computer. Which works just about as much as the app. Which leads you to the telephone, except when you call the robot stops working somehow, and then sends you to the handle of being on hold for about 2 hours. Why have I spent so long at this terrible place? Well, thats just gold-ol-fashioned laziness/depression/anxiety/holy**itsbeentenyears/whatamidoingwithmylife/imgoingtodiealone.


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I've had several issues with PNC Bank with their customer aftercare program and their handling of documentation during a claims process. My first issue arose when my debit card needed to be renewed. I did not receive a renewal in the mail (PNC claimed they sent one) when I did inquire about it. I figured it got lost in the mail, was mailed late etc and was not too bothered. The local branch informed me to come on down and they could process and create me a new debit card on site. Great!


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Customer service is straight from Compton... I asked before depositing my check, "How long?" Rep said "ooh next day should clear"... still waiting. It's been 5 days. Calling Gangsters Inc... And was told they are holding it because they won't cover it... uuh? "Who? WHAT are you talking about. It's a check... how long will it take ma'am." Rep: "IDK..." smh. Just clear my money so I can close my account... yuck!


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My bank account was closed and they are still accepting my direct deposits (IRS and STATE). I called the 1800 CS hotline, they were no help at all. So I called the local branch, the first lady was no help. Couldn't tell me anything that I already knew but wasn't getting any questions answered. Why they were still taking my money (my account was already closed for at least 3 weeks or more and when I'll be getting my money back. I'd like to know what my rights are, if my account is closed, shouldn't my money be rejected and sent back to the place it was issued from? Instead they said they were taking the overdrawn fee out of my checks. Can they legally do this after my account has been closed. The branch is located in Whitehall, PA. I need help in this matter. We're talking about money I use to pay my bills and support my family. It's over 10,000$ they are keeping because of an 160$ overdraw and late fee. I need help please.


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I took an unsecured loan from PNC Bank and it has been the worst experience... I was never ever late on a payment. I maintain a 780 credit score... In the 5 year term I also used PNC to cash an insurance check while I was on an 8 week business trip Europe. They were so incompetent... Never returned phone calls etc. Now I am travelling again and they cannot pull it together. They don't return phone calls and should be disgraced to be in business. If you need a reputable financial organization. Do not use PNC Bank. Trust me.


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Credit card. $29 fee for an accidental under Payment of $10. Paid $1300, but missed $10. It was paid several days later when the mistake was found, but according to them 7 days late. Seriously, wouldn’t even reduce, but customer service is willing to patronize you with how little they can do. That’s what you get if they can’t nail you with interest... Egregious rip off!!!


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I have had a PNC virtual wallet account for about 8 months now. I like certain features, but if you become more than ($-5) they charge you a $36 overdraft fee if you do not drive and deposit the CASH before 10pm at a atm and a branch. They have refunded me before because of stupid errors or just the fact I couldn’t make it to their ATM (sometimes it’s down, once drove all over Tampa looking for one to put cash in). I was -3 dollars technically -8 dollars because of the five dollar cushion. I was OK except for the $3.00. Instead of driving to the ATM with my cash that night my friend who also has PNC Virtual Wallet Account (I referred her how ironic) said she would just Zelle (transfer the $) to me. I even looked on the website to make sure that it would go through before 10 PM. It says if you have the same bank it goes through instantly or within minutes.


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PNC Bank refuses to apply principal-only payments to principal only. It's been more than 2 weeks and all they say is 'give it more time, it takes a while to make the change'. Anyone else misappropriating funds like that would be in prison. I think a class action lawsuit is in order.


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I spoke to William ** of the Ludlow Ave, Cincinnati branch on 25th of January 2018 regarding obtaining a mortgage loan. He was friendly and said he would work on my case. Gave him all my financial statements but 3 weeks later not a single email reply to say how it is going despite me emailing him back a couple of times asking for updates. Very unprofessional. Will not bank with PNC as they do not respect potential customers.


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I got a PNC credit card well over a year ago. It was 0% interest until 3/1/18. I have diligently been paying off the credit card in full before 3/1/18 to avoid having to pay interest on the balance. I made a two (2) $1K payments in January 2018, leaving a $500 balance which I had scheduled to be paid in 2/18. I logged on to my PNC mobile app today and saw that they had charged me a $27 late fee plus $1.50 interest on that late fee. 


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If you bank at PNC, withdraw all of your money and run as fast as you can. They accidentally closed out my checking account and lost the money for the last 19 days. It would have been longer but I staged a 2 hour "sit in" at the Plainfield branch and told them I wasn't leaving the building without my money. A half hour after closing time and they finally came through.


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PNC - Thieves! I took an auto loan with PNC back in 2012. When I made a loan payment I paid more than the payment amount, usually $100 more. In 2013 they repossessed my car for past due amount of $30! Past due? And you couldn’t call me for $30 you claim I owed? At this time they informed me that the extra money I was paying wasn’t going towards the auto loan at all! They placed forced place Insurance on my loan charging me hundreds of dollars! They “realized” they made a mistake and refunded me over $1,200 but nothing was refunded towards the repossession fees I had to pay of over $300! 


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An accurate description of this business is described by their acronym: PNC which stands for: Pleasing No Customers. I am not satisfied with this business, and they do not deserve mine. A lot of shuffling of details and head nodding. Not outright lying - just not actually telling the truth. "Do I qualify for this bonus advertised on the internet?" "Yes". But I guess receiving it and qualifying for it are two separate thoughts. And then... "Will it be useful for me to wait to get my credit card reader until I am actually ready to set up my business in six months?" "No. There is no advantage to waiting..." Except for the fact that if you fail to use it within the given first 30 days, you will not be given the money back that I said would be given to you. (Unsaid.) And what about this yearly fee that was never mentioned? Hmmm... Sounds like a thing they ought not mention. Craziness. Keep your money under your mattress.


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At my local PNC Bank I was given information about a cashiers check. This information was incorrect. When the check did not clear, the bank refused to look into the matter. They did not apologize or acknowledge that they had anything to do with the matter. If you can't trust your bank to know this information who are you supposed to trust? The bank manager also did not know how to do a simple wire transfer. It took her over 1 1/2 to complete it. They really need to increase their training of their employees, as well as respond to customer complaints.


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My husband and I have had it with PNC. They recently charged us with 4 overdraft fees, when there was money in the account. They said it was for prior transactions that they forgot to charge. This makes no sense to me! How are they allowed to do this. We have been a customer for 8 years! I'm done!


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Everyone working for this bank are extremely unprofessional. I have made an appointment, arrived a few minutes early and the person I was scheduled to meet wasn't there. Right now I have a 3pm meeting and the guy is leisurely eating lunch. I haven't eaten a thing because I'm using my lunch break for this meeting. The time my meeting was shipped, supposedly the specialist had emergency surgery but was in the office the next day laughing and eating just fine. I contacted customer support in tears because I had been trying to find info on my loan and no one would answer and my scheduled beings kept being dogged. I was called by a senior officer in management who apologized and gave me his direct number (which he wouldn't answer or respond to my voicemails after he initially called). I get forget information from both branches in town and the support phone number. Seems everyone who works here is just unprofessional. Very few ethics. It's amazing.


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We were just hacked through PayPal. The hackers started the withdraw process of taking out two $1000 payments, totaling $2000 from my bank account. They changed my password and changed the language to French on the account so when I received my emails about the withdraws it would look like they were spam and I couldn't understand the language to find out. The next day after they started the withdraws, my husband was at work and tried using his PNC bank card. It was declined. We had $500 in our account and knew immediately this wasn't right. He looked online and noticed that we were overdrawn by $1500. He immediately took off work and headed to our local branch. They said there was nothing they could do to stop these payments until they actually posted. They were still showing pending. Which did not make sense to us. If it shows pending, it should be allowed to be stopped. 


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I opened the Business Credit Card Account at PNC bank in 2016. The Banker at Fort Lee branch made a mistake to set up my online banking account for Business Credit Card Account since the beginning. She set it up linking to my personal account. I couldn't review the balance or transaction history for Business Credit Card account via Online banking service. I must 100% depending on paper statement for paying off balance and checking transaction history.


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I been a PNC customer for more than 5 years. I have a credit card which I always paid it full and on time. I needed a loan to pay some student loans, they denied me because of my credit. It's a shame how these banks when you need them they are not here for you. But they surely want your money. Any bank that only think of their interest and not for the people I will not invest my money. I also experience some issues with my credit card at a airport, and I called three time and they still couldn't help me to get cash. We as the people need to stand up and realize that any organization, company is for their interest only, we need to take our money elsewhere. This is your money and if this bank can help you when you need them, don't waste your time. I am closing all three of my account and take my money somewhere else. They don't care about your needs, or situation.


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After reporting my card lost on the 1800 number, both users on the account have to wait for new card to arrive. This was very inconvenient for us, we agreed since they will overnight it. Unfortunately the card never shipped! They never sent the card to FedEx. I called and spoke to the rep regarding this, instead of investigating what went wrong she canceled the second card that was to be shipped. They will not reissue a 3rd card till next day, which means I will not receive my new card for another 4 days!! The staff including management are spineless robots who unlike other major credit card companies really do nothing to support their customers. No wonder they have 1 star rating, if an option existed I'd give them no stars and rate their service as by far the worst credit card company ever!


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I recently attempted to send money online through Zelle. It seemed so easy! Just enter phone number of recipient and amount and send! No other instructions were listed. The recipient received a text and followed the instructions to load the Zelle app, but made a mistake so money wasn’t transferred. Now the money is not in my account or the account of the recipient! It will take up to 3 days to come back!! So I did a test and sent $10 to my husband and the same happened! Customer service said that the Zelle App must be loaded first before money is sent... No instructions were given beforehand. I will NEVER use this app again. I’ve used Popmoney in the past and didn’t experience any of this. Shame on PNC since this app should have been tested before releasing it.


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Maplewood St. Louis Mo PNC Bank - Went in to open up a prepaid credit card before Thanksgiving, so it would be here for some Christmas shopping. While trying to set up the account the teller couldn’t figure out how to work the computer system and had to call somebody to help him figure it out. Took over an hour for him to figure out the computer. While waiting he looked at my two forms of id and my social typing them into them into the computer. After finally figuring out how to work the computer he had me sign a paper and gave me a copy and gave me a receipt of my deposit and sent me on my way saying that my card should be mailed to me in 3-4 weeks.


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PNC online and mobile banking claims that Zelle is the newest, quickest way to transfer or receive funds. Just download the PNC mobile banking app to your Android or smartphone and enter the info needed to use Zelle. There is NO info and NO guidance on using Zelle after you've verified the download and verified your mobile phone # linked to your PNC account. Absolutely nada. Talk to PNC online chat: "Yes, we see that you have downloaded the PNC app to your phone, and that the linked phone # to your checking account is active. We see that money is waiting to be deposited into your account, and should deposit immediately. Please call 1-844-428-8542 for help with Zelle."


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Someone stole my debit card information and paid off their $375 ComEd bill with my money. The funds were posted to their ComEd account, not mine - which ComEd confirmed when I called them. I shut down my card immediately, reported the fraud, and disputed the transaction. Some days later, I received a response in the mail from PNC saying that they had completed their "investigation" into the fraud, and determined that the charges were valid - meaning, MINE. This meant the funds would not be rightfully returned to me.


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I paid off my car loan on November 22, 2017. The check cleared my bank on November 28, 2017. Despite two phone calls, PNC and Ms. Vona **, customer service representative, refused to put my title in the mail until after the middle of the next month. I was never a day late on payments - always early. This outfit does not appreciate good customers. Stay away!


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I have been a customer of PNC since 1999. The bank made an error and cost me to be in the hole -$682.03 because of this error. I lost my SSI benefits to pay into the error they made, had to open up a BBB case and I still haven't gotten my full amount back that I am owed! This is the worst bank ever! After I close my account with this bank I will be glad they lost me as a customer. Forewarning for all PNC customers, your money isn't safe at this bank! Close your accounts that you have at PNC and open up a new one at another bank. Any other bank except PNC would be better. They jipped me outta my money! Are they gonna do that to you?


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I have had nothing but issues with this bank. When I first switched to them I deposit my $1000. They took it from my other account and held for 10 days for no reason. I cannot even close my account. The mobile banking is absolute trash. I can't rolls into line bank! Customer service is terrible. I can't speak to a manager WEEKS! Stay far away from this bank. They are thieves.


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Back in 2012, there was a large lawsuit brought against some of the largest banks for rearranging or hiding transactions to create overdraft charges. PNC were one of those banks. Fast forward to 2017, almost 2018, and they are STILL doing it. I made a purchase on Amazon for $114 on 11/25/17, which immediately posted on my PNC app and deducted from my available balance. On 11/30/17 I noticed that I had $114 back in my account, but thought it was a credit from Verizon, who had overbilled me and after speaking with them that day, refunded the money to my PNC checking account. Actually, this was the PNC masterminds at work. SIX days after making that Amazon purchase, PNC put the funds from that charge back into my account and then took it back out on 12/01/17 with a posted date of 12/01.


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ATM malfunctioned and chewed up a check. After 4 months of dragging their feet supposedly investigating the situation, basically called me a liar and said I made up the story. Was not able to get a replacement check so I am out the amount of the check.


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In the last week-edit the PNC ATM at 501 N Front Street in Sunbury, PA ripped me off $20 today, if the machine doesn't have enough money in it, then it should let you know, so you can type in a different amount of money... It deducted the full amount out of my card and I did not get all my money. I called PNC and they can't help me... They said to dispute it with my bank or cardholder.


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I have had nothing but issues with this bank. When I first switched to them I went to deposit my paycheck which they held for 10 Days. The mobile banking is absolute trash! Customer service is terrible. Good luck calling their 800 number. It’s always messed up. I overdrafted my account one time & they rearranged the way my debits came through so they could charge me 36.00 three times instead of once. I ordered checks that never came. I needed a form filled out once and I had to go to the branch 3 times for them to get it right. No alerts at all though I signed up for them. Money transfers take weeks... yes you heard that right WEEKS! Stay far away from this bank. They are thieves.


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I am banking with PNC about one year. I really didn't have any problem with them except online banking. Before with another bank was so easy! I loved it. This bank? Just terrible! To set up online payments, transfers... Forget it! And I never heard, when you pay your bill online, it takes 3-4 days to transfer it! I can't believe it. I had late fee several times already because of them, but they don't pay it back because they say I have to pay it in time! Really? How much earlier than the due date? A week or two? My patient is over! Any suggestion what bank should I get?


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Two times in three days I got money stolen from the PNC debit card. The second one happened during Thanksgiving - so everything is closed. After the first unrecognized transaction I went to the office, they issued a new card and supposedly deactivated the old one. Two days later, somebody used my old card and money were deducted from my account. Unbelievable.


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Very clean and well-kept branches. If you reach out to call them or email them, you will get your questions answered. However, I've found TD and Vanguard are MUCH better with service/transparency. PNC will not tell you about fees, periods in which your account is considered 'inactive' or how to even set up your account. They just expect you to find out for yourself.


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My daughter has a Virtual Wallet acct thru me because she is a teenage and this is the only way PNC will allow a teen checking acct. They figure the parent will ultimately be responsible. However, when I, as the PARENT, went in to dispute a $39.95 recurring charge that my daughter had no knowledge of, I was told I could not dispute it, it had to be my daughter. I explained that she is in school until after 5 pm and I wanted this taken care of ASAP. Of course, this did not make a difference. Adding to this annoyance, when I came to my PNC branch there were no customer service people available, so they requested I make an appt for an hour later, which I did, only to be told at that time they couldn't help me. PNC sucks!


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Let me tell you, do not use PNC Bank to get a HELOC. The outfit in McLean, VA does a total 'bait and switch' operation. They pull you in with a low rate and then after they've done everything, all the paperwork, credit reports, etc., they change programs on you! We had TONS of equity. We had an EXCELLENT credit rating. The 'suit' behind the desk told me that he has never missed an achievers' trip and that he was the 'best' at PNC. He tried to get us to take out a whole new mortgage even though we had already paid off more than 7/8 of our house, and only needed some CASH to finance our child's college education. When we shot that down and chose a modest HELOC instead, he changed the whole perimeters.


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Today 10/27/17 I went into a local PNC Bank in Columbus to Change a Twenty for a Ten and a roll of quarters for the laundry mat. The women asked for my PNC account information. I do not have an account with PNC. I explained I just wanted change for the 20. She rudely said that bank policy says they cannot change money without an account. This is absurd. They are so clueless it's like they don't want any new customers. I went down the street to another bank. And was promptly offered change, no hassles no questions asked. I definitely will never do any business with this bank what-so-ever. I will continue to tell my experience to others to warn them of such a rude and careless bank with unfriendly customer policies.


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I'VE HAD ENOUGH. This bank has given me its last overdraft of $36.00! I am switching my bank, paying off my PNC credit card and running away from this sham of an outfit. Beware of this bank, you will know when you balance your checkbook every day and it seem you just can't balance it out? One, twice, three times… The balance is never in your favor either, it’s always adjusted in the bank's favor. Goodbye PNC bank. I'm leaving. Pioneer was a honest bank but when it changed to PNC things got weird. STAY AWAY. You will lose thousands in overdraft fees. You’ve been warned!


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We recently had a hurricane on September 12, 2017 in Florida which caused the area that I live in to be shut down for 3 straight weeks with no power or Internet. Because I could not deposit any money into my personal checking account I was forced to overdraft my account. PNC Bank refused to remove the fees. I could not believe that they could stoop that low just to make a buck. They have lost my business and I now recommend to everyone out there to not use this bank. Most immoral and ethically flawed bank that I have ever been with.


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I needed to open an account. The branch closest to me closed too early for me to make it, so I went to a branch downtown. At the first branch they had nobody there who could open an account so they send me to the branch that is a 10 minute walk. This was 30 minutes before they closed. Get to the second branch and they refused to help me because it was too close to closing time. They were very rude to me and said I should of been there before 4 if I wanted an account. I now will not use PNC Bank. I am mainly upset because they had me running around downtown in order to make it there with my 8 year old daughter in time.


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PNC bank recently bought my home mortgage from the Federal savings bank. I have been carrying good insurance all these years. My insurance company sent yearly evidence of carrying letter to the old bank and I have seen in their documentation. The PNC bank writes a letter stating that I have not sent the evidence and they are going to buy the insurance for me if I do not send an evidence. I faxed a copy and the insurance also sent a copy. In the meantime, the bank bought the insurance and then cancelled later. I have never received such rude letter and the bank never threatened me of buying an insurance. I have been a mortgage payer for about 30 years without a single late payments for these thirty years. I hope some other bank buys and services my mortgage.


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So I deposited my check in the ATM. 2 days later I received fee and was told my check was return. I said, "Why?" They said, "We dont know," to call the company that issued it so I called the utility company. They stated not sure why they return the check. "It's legit because when you cancelled your service you overpaid us." So I called PNC back. I said, "Please look into this. What's going on." The check was less than $10 so they said, "Oh we know it's because the check has your maiden name. And not your married name."


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So I joined PNC a little over a month ago due to a friend’s recommendation. Since joining I have delete with nothing but disappointment, frustration and agitation. First issue I went to create the account with they ** up then by putting in my information incorrectly, next incident I had deposited $80 and the ATM took the money and did not put it into my account or spit out a receipt. Had to deal with being on the phone with PNC for over an hour on a Saturday just to get my funds which were mines back, they filed a report and said it would all be cleared up in a week. A week later I look at my account and I am negative $100 and something dollars. Had to call PNC while at work for over an hour to get the account fixed. I asked the Rep to forward me to a manager because I was upset. Put in the request 9/28 and manager doesn't call me till 10/2/17. They definitely did not keep their 24 hour promise as their company states!!!


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As a customer of PNC Bank for over 30 years, I entrusted them with all my accounts. After losing my job in 2015, it became necessary to withdraw money from a 401(k) held by my former employer. They deceived us and took a commission transferring my money to an IRA before distribution after assuring me there would be no early withdrawal penalty. The employee has been fired but I am out $12,000 because of their deceit. They were very unprofessional in the handling of this matter even the bank president ignored our letter to him.


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I asked a PNC employee for assistance in directing me to their ATM and she began yelling me and said I didn't ask politely enough and refused to help. I never once raised my voice and was cordial and kind to this woman, and she made my day so much harder than it needed to be. I don't bank with PNC, but their ATM is the closest to my residence; I have to use it due to location convenience. If I had a car and could go anywhere else, I would. Worst customer service I've ever experienced, and I WORK in customer service. Horrible company. Seriously, ** PNC.


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After almost three decades of banking with PNC, I experienced an overdraft of my money market account when my phone provider, Verizon, failed to switch billing to another account. It was my fault, but I ignorantly thought that, with $77,000 at the bank in other accounts, prior home mortgages and auto loans with PNC (all paid in full and on time) and my many years of dealing with PNC and its predecessor banks, RBC, etc. etc., that the manager would waive the $36 fee. She, by the way, had no authority to do so, and, one week later, the branch supervisor rejected my request and told me to get it from Verizon. So, I am closing all bank accounts at PNC. I do not recommend this bank.


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I have been trying to pay a mortgage late fee of $43.24. I logged into PNC Bank site (which I was forced to create a new account on pnc.com since I can longer pay through PNC Home HQ site) and attempted to make a payment for the late fee. The site would not accept a payment unless it was my mortgage payment amount or greater, so I would have to make a full mortgage payment including the late fee although my mortgage payment is automatically deducted from my checking account. I contacted customer service and was first cut off from completely expressing my troubles and was told I could be walked through the payment process.


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The worst bank in mankind history. Don't do it. You'LL be missing money. The app is highly untrustworthy. They randomly take money out of your savings without consent. "It depends on the merchant" but every time you swipe, you check your app, the money is gone but they take more. PNC is a scam. It's terrible. The worst bank in the business. I promise.


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PNC bank claimed they help college students with saving their money and things like that if we do the virtual wallet. Personally, there is no difference with the regular checking account and virtual wallet. There was a company who took out a payment and I told them that I did not want them taking any money out of my account because they took it out the day before I told them I get paid. I called PNC because they charged me $35 for me not having any money in the account when the withdrawal occurred. That was fine because I understood that when I signed up. But what bothered me was that they turned around and charged me $36 for asking for the stop payment and then they sent me a letter and said that they were lifting the stop payment off of my account because THEY did not see that it was an issue with the people taking the money out of my account.


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I been a customer with PNC more than three years. I never had any issue since recently. Most of the time I go Annandale branch. Recently, the lady name Maria ** help me to make my deposit. I don't know why she has very bad attitude. Since this bank close to my house I tried to deal with her all the time but, recently she get my nerve. I been making the same check the last three years without any problem but, this time she said she can't make deposit because she said the trade name is not on their system. After I been arguing for $53 check I made the cash deposit & left. 


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While talking with Carol ** of Mentor office she acts as the bank manager, however when asking her why one charge over 2000.00 was taken out twice she says "whatever". Well someone needs to have her find a new job. We are seriously looking to move our 4 accounts elsewhere after her treatment and her response is "whatever". Really? Is this who PNC wants to represent their company? So sad. She said we have to wait 14 days or more to fix this because it's a computer error. 


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Today I had the most unlawful experience with PNC Bank. I called earlier in the day because I was double charged for a service and the representative shut down my card without my consent and or verbally telling me. To add more insult to injury... when I called their retail escalation line they threatened me with small little threats. I'm shocked that I've been treated this way. I'm hoping this doesn't happen to anyone else.


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The mobile banking app is horrible. I was doing a mobile deposit from my Business PNC account to my Personal PNC account late one evening. I do this 2 or more times a month. The funds are always available immediately because it's a PNC to PNC transfer. I made this deposit about the time PNC came out with this "available immediate funds program." The box came up on the screen asking if I want the funds to be available immediately. My thought was sure I do, it's always available immediately. I clicked the box not knowing there was $60 fee attached to this normal function I do a couple of times a month.


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I have been a PNC customer for, oh, probably 20 years, and have watched it deteriorate so badly over the years. It used to be a pleasant and friendly experience to stop in the Monroeville office. There used to be a service kiosk as you walk in, and they took care of many items like depositing checks, and other small things to take a load off the tellers. There were lots of other little nice things. They did a remodel about a year ago --- got rid of the kiosk and cut down the teller windows to 4 --- usually only 2 or 3 of which are open. I had to deposit a check on Tuesday, August 30, and the line was so long and slow that I left. I stopped again this morning Sept. 1, and it was even worse, 14 people in a line that wasn't moving. I asked to speak to a manager. Jamella said, “Well it's a Friday before a holiday on Monday,” as if to say --- "Well what do you expect." My exact words were "I expect better".


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There were Stan withdrawals made with my card using my PIN number. I did not make these withdrawals as I was home sleep with my PNC card in my possession. But earlier that day I used an ATM at a gas station. I believe my card was cloned at that ATM. I called pnc once I notice money was missing and file a dispute on the withdrawals that were not me. They denied my dispute and told me my pin was used that the withdrawals were ruled mine. My bills, food, etc. all gone because pnc let someone take money out my account. Do not use this bank. They are frauds. They do not protect your account.


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We have been banking with PNC since 2009, we had no major problems with them until June 2016, at which time, my address was changed to an address in Miami. I caught it in time, thank God, but a manager at the call center told me that my money was about to of been transferred out. I pulled my savings out and put it in another bank. We kept the PNC checking account due to both my husband and my paychecks are direct deposited, and we also have loans that are auto withdrawal from that account. We have had no other issues since then. 


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Good bank, always a teller available inside and outside. There is the drive up ATM and also two drive thru teller lanes. All lanes are open when the bank is open. The bank hours are great for my schedule, and my debit card links to my checking, so I can make deposits/withdrawals, check my balance or most anything at the drive up ATM, anytime I like. Oh, and if I lose my debit card, I can have another made at a different PNC bank that's also local, while I wait! No need to wait to get it in the mail. That I find to be a very handy feature.


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My husband and I have bank here a little over a year now. We had to open the bank account due to direct deposit at work. Everything had been going fine until the last couple of months. Every week there has been an overdraft fee charged to our account. I'm not sure if the online banking can keep up with how much money is actually in our bank or what the issue may be. One minute it's fine and it says we have money and by the next morning, always a day and two before we get paid, it says we are in the negative. We called the bank to see what the problem was and why this was occurring and they blame us. We even started going to the bank every time before we spend anything and getting a receipt and it still wouldn't help. We are not happy about this at all. We are definitely switching banks and do not recommend this bank to anyone.


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In a recent review of my business accounts it was discovered that PNC Bank was incorrectly charging fees on my accounts. I brought this to the attention of the bank manager I was told that corrections would be made and no future fees would be incurred. In addition, fees already charged would be refunded. To date I have been refunded fees incurred in 2017. I am being told that no refunds would be made for 2016 because the fiscal year was already closed. My situation is being likened to a fraudulent debit card transaction that was not reported for six months which would relieve the bank of responsibility to investigate. This matter has been escalated above the regional level and we are awaiting review and resolution.


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Used their new express deposit feature for the first time. My check was not cleared right away, apparently it did not go through. I got charged an overdraft fee as well as $21. I spoke to 5 different supervisors as well as managers and they refuse to credit back my account. I regret ever changing banks, I am going back to Chase. Stay away from this money hungry, scamming bank.


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They are not what they use to be. They put my money in wrong account. Has taken my name off my checking and put someone else on it. I have been with them since the 90's.


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I have 3 accounts at PNC. I have been banking with them for years. I can reach customer service anytime needed in minutes. Someone compromised my debit card and they notified me within an hour of transaction I didn't make. They immediately cancelled my card and sent me a new one and took the fraudulent charge off my account.


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Initially I was happy with PNC but now I feel it is a crap bank and I wish I'd never opened an account with them. Their mobile banking app sucks and doesn't always update in real time to reflect debit card purchases. This in turn has caused overdraft fees and a negative balance because as a customer you think there is more money in the account than there really is. Per their own customer service people the app is not reliable so you have to check the full website to track all transactions ALL. THE. TIME. Mobile banking is not a new concept yet their system is completely antiquated. As soon as my transactions for bills go through I will be switching banks.


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I called online banking at PNC and wanted to pay my monthly balance with twice as I am due to pay. They charged me a fee of $35 for contacting them a few minutes after 6:00 Pm. They said the cut off hour is 6:00 pm and after that hour I would get a late charge. Secondly, their online tellers or bankers have made lots of mistake about my account and they don't take responsibility for their actions. Last year, I ordered check book, they never sent me the book. When I called, they said that there is no order for the check book. These are just a very few examples. There are some other good banks such as TD bank. Quit this bank and go some other good banks around the neighborhood. This bank sucks the blood of people with their fees and don't take care of the customer. Quit and go somewhere else. Give them a huge lesson that customer is always right!


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I am charged some or the other service fee almost every month by PNC. I had to call their team every time and ask the reason for the charge. They say that I had taken some service which I had no idea and when I explain them in details, they do return the amount back to me. However this month i.e. Aug 2017 on 4th they charged me a service fee which I had not taken. I had to call them to refund the amount and after explaining with all patience I got my amount back on 7th Aug 2017. Surprisingly they again charged the amount on 8th August 2017 and when I called them for the refund they bluntly said they will not going to refund the amount.


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When PNC bought out Mercantile Bank all the problems began. In the past few years I have had to change the type of checking account I have with them every year to avoid the newest fees. It's bad enough that they decided to no longer offer me images of my checks unless I pay a fee, but now they want to charge a fee for me to get my monthly statement! Now that I have the most basic, low balance account you can get, they are charging me $7 for not keeping a $500 minimum average in my account. How does that hurt the bank? They had no answer. I explain that I put about $2600 a month into the account, and then pay all my bills which takes it right back out.


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Let me start off by saying that PNC Bank is very untrustworthy and a big scam! The credibility of PNC Bank is like getting a degree from Trump University! Beware of PNC Bank because it doesn't care about its customers and only cares about making money. Switch to another bank and close you PNC Bank now! Here is my story:


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We originally opened an account with National City bank, PNC bought them out. We've had nothing but confusion and aggravation since. A year ago, they decided to change their rules stating we had to use online banking and utilize the ATM instead of telling to avoid monthly fees, and we abided. Now, last month they tell us they are no longer doing that and had a new list of requirements to avoid fees, that we couldn't meet. So I went to bran, Telegraph Rd., St. Louis, MO. and asked to close all accounts. Banker withdrew all our funds and said she would close our accounts the next morning, allowing the withdrawals to post. She did not follow up which led to us being charged $7 fees, and overdraft activities due to no $ in the account, because I closed them. Geez!!! One month later, still fighting with incapable customer service reps that don't get it, nor want to do their job. Story of the times of our lives I guess. So, in my eyes, PNC sucks.


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Called about an 10 dollar charge that wasn't necessary since I did have the funds just pending. I have several accounts with them and frustrated with how the transaction are presented with them. I called and answered was the assistant manager Elizabeth. She was quite rude to me as we are trying to discuss the matter. If I have the funds transfers over but I should be charged for money I had already just not where they wanted them supposedly. I hate the fact that withdraws take forever or drop from the account not to be seen as well as money that says that is pending with it available but technically not available according to assistant manager Elizabeth. Please take care of this matter along with Assistant manager a little more patient with the customer. Otherwise, I am forced to leave PNC and look elsewhere.


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I went into the bank to cash a check given to me by a PNC customer. There were 5 people waiting in the lobby. No tellers at the counter and one person in an office taking all customers. She was taking people opening new accounts, trying to get people to get credit cards and all. I waited over 40 min to cash a check. Horrible customer service and they did not communicate to the waiting people because they could not see them from their office.


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I had written out a check and put it in my mailbox and when I went to go put another piece of mail in the mailbox and this was at night, the check that I had mailed was gone so I thought either I didn't put it in or maybe someone took it out. So I wrote out another check and put it in my mailbox. Come to find out both checks did get to PNC Bank and they both cashed. This was totally my fault. The very next day I received some overdraft fees. I think about five of them because it screwed up some of my other charges that I had made so I called up Pnc to explain my situation. I asked if they could reverse the charges if I had put cash into the account because they were still pending and they said yes and I said am I able to write a check out and deposit that because I was at work and they also said yes. That if I put a check in there that would cover it so that's what I did. I wrote out a check. 


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My husband gets paid every Thursday. PNC charged us over $76 in overdraft fees when we were not overdrawn. I have the screen shots of the account showing we had the funds and were never overdrawn. However they charged the fees anyway. I used their web bill pay and put that a bill should be paid on the 3rd. However they paid it on the 1st and charged an overdraft fee. When I called they gave the fee back and said it was a system error. One time I deposited CASH and they held it for 3 days (not a weekend). Charged $180 in fees. I called explaining that legally they cannot hold cash. PNC sighted system error. Refunded the fees but checks had been returned and the other places charged fees PNC did not refund. Also they would not write a letter stating said error so I could get the other fees back. It used to be an okay place to bank. Now it is awful. They do not follow any Federal Regulations. DO NOT EVER BANK HERE EVER.


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Unfortunately, I have to continue to do business with this company because it was my company's (poor) choice to affiliate with them for our 401k. It takes a minimum of an hour to attempt to process any web transaction because all you receive are error messages: "Pending Error" "Unable to access/verify account data" "Unable to verify pending transactions." If you are lucky enough to finally get a transaction to process, it takes you an hour or more to make that happen. It should only take a few minutes.


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It has been over a year since my husband was scammed by the IRS on our PNC credit card. Yes I understand it was his fault for not knowing. PNC said they would stand behind us until they found out he authorized the transactions. He was then told to file police reports state and local which was done. Also reports with the IRS, FBI, FTC, the Attorney General and to many more to list. Which we all did within a few days of being scammed. I have received letters from all and so many phone calls. Most all saying they have our reports and that PNC will stand behind us. They have NOT. A year later and a second mortgage and still no help from the bank. 


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I have encountered a problem with my online banking for OVER 18 months and still PNC tells me they put my problem to their escalation department. I got into the bank, talk to people there, the escalation department calls me, but nothing is ever resolved. I found out recently they use a third party to fix issues like mine, then I was told no they are handling it internally. Then about two weeks ago, I had yet another online banking issue. I have a platinum account with PNC which sounds pretty impressive right? The kids just opened accounts, and we have CD's and other accounts with PNC. You would think we might be a good enough customer that PNC would want to resolve the issue. But nothing happens.


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Don't use PNC. Their transactions lag and they are not helpful at all. I deposited money in my account and it's not showing on my end. They wanted me to delete my cookies and I told them I shouldn't have to because it's not even working on my mobile app, so the problem is on their end. I was transferred to a specialist who tried to fake sympathy and failed miserably. She said my account is in the negative and yet I am unable to see it at all. How is that helpful? SO in the end it's on them and not on me. You bet you but I am closing this account and never using them again. I would encourage others not to use them as well and instead use Chase, B of A or any there one beside this one.


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I owned a PNC account when I was living in Pittsburgh, and when relocated to Dallas TX I misplaced my debit card. It takes two weeks for me to receive my debit card. Horrible customer service, I will not recommend.


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Been a customer for at least 6 years. They automatically transferred my free checking account to a standard checking account. They claimed they email me the change but in fact what they mean is that they send an email notifying you that a statement is available if you log into your account. So, there's 2 steps you have to do. Find an email from PNC bank and then look at the statements. Today, people get tons of email, no one is able to read them all. At the very least, the email should say either fees have been withdrawn from the account or there has been activity in your account. That way customers would check to verify. The fact that it looks like an ordinary email regarding your account allows the bank to STEAL money. They only send you an actual letter once they depleted ALL of the funds. How is this legal???


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Toward the end of PNC online app for opening checking account, I changed my mind. There was never a submit or confirm button to click on that would have lead me to believe I had executed the application. Never-the-less, soon after I received an email from PNC confirming that I opened an account. Despite the ambiguous online application process that lead to this inadvertent attempts to close it with the local branch as well as with an escalation specialist, I am forced to leave the account open with a $500 minimum balance for 6 months unless I choose to pay a $25 fee! Ridiculous. They refused to waive this paltry $25 given the unusual circumstances. Will never recommend this bank!


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I wish there was 0 or negative scores also. The PNC Bank deserves the negative point. Never ever open an account with this bank. The employees of this bank know nothing. Never ever trust their answers. Check the answer with several people and if you can check it yourself. Even very simple questions. I think their employees did not go to even high school. Even if they had normal IQ, they could learn during working.


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I've been a customer of PNC Bank for quite amount of years but today was the big hit where I would NEVER bank with PNC again. Customer service isn't a breeze for help. In fact, they make your worthy time more frustrating than ever. This isn't the first issue I have encountered throughout the years with them but will make it the last. PNC Bank needs to step it up. Their customers will be looking for better.


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I have been a customer with PNC bank since 2008. Found nothing impressive about them but no complaints as was not looking for favors from them. I think that it is really unprofessional, inconsiderate and rude of them to just shut down all of my accounts, which I had a couple personal and 1 joint with my fiancée without warning or even a simple phone call. Like they said they have the right to not want to do business with customers anymore as customers have same right. If they thought there was suspicious activities on my account why didn't I get a phone call like all other normal professional banks do. Besides I never called to report suspicious activities. It's my money!! Will make sure everyone is gonna know about this!! One very unhappy, unlucky customer to have banked with forsaken PNC Bank. NEVER ASKED FOR A LOAN OR EVEN HAD INSUFFICIENT FUNDS.


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Fisher, Indiana branch on Brooks School Road. Had rep called Daniel...he had no idea how to stop a check and keep asking for the same info over and OVER! Then I spoke with the manager, Andy, and he was terrible. Why does PNC hire these people? No training or people skills! I then went to another branch and knew the manager there at PNC Graham Road in Indianapolis. Warren, who is fabulous and great was in a meeting and I worked with the Banker, Robert. He was great and took care of things ASAP. Great branch. Do Not go to Brooks School Branch. The good people left. It was a horrible experience done by 3rd graders!


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I've a PNC customer for 7 years with-out any problems. However today I identify a flaw in their system. I transfer funds between checking/saving accounts via the app on a regular basis. I also make credit card payment via the app as well. Last week (23rd) I made a payment from my PNC checking acct to my PNC credit card. The due date for the payment was the 24th. Now I was under the impression the payment would apply instantly or next at the latest. To my surprise, there is a 3 day processing period before the payment post (Which I was unaware of). This doesn't make sense since I transferring funds within the same institution. I spoke with Anna (Supervisor Credit Card Services in Michigan) she refuse to waive the $25 late fee, because I received a "courtesy" 2 months ago. 


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I've been a customer for decades. After getting married, I wanted to keep a small checking account for sentimental reasons. Created savings accounts for my children when they were born. Repeatedly, without notification, our accounts were accessed $7/ monthly fees. They refunded the child accounts, but not mine. The branch always told me they would refund them but it never happened. They suggested I switch to a Virtual Wallet. But then I started getting $2/ monthly fees for paper statements. They fixed that and returned $6. Since I did not use the account, in the end, they had essentially stolen half of my entire balance. The branch told me I had until June 27 to work things out with the escalation dept, but today, the lovely woman at the escalation dept. who could NOT return my fees, did return the fee assessed on the 19th!!! 


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I have had an account with PNC since 1999, and although I consistently hear how awful PNC is to bank with, I never had enough of a reason to close my account. I deposited a check from another party that didn't clear because of insufficient funds. As a result, I was assessed a $12.00 fee because the check returned. The same person wrote me another check from a different account, it didn't clear again and I was charged another $12.00 fee. I contacted PNC customer service to see if they would credit the fees, at the very least as a courtesy for being a long standing customer. I was told that the fee is part of their banking agreement and they REFUSED to credit the fees.


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I have a business credit card and personal credit card with PNC, I started using them but I have had really negative experiences with both. To me it seems as if PNC is trying to make their customers difficult to make payments so that they can charge late fees. I use the scheduled payment option on April, but the system did not registered the scheduled payment. When I checked my account the next day I noticed I received a late fee for late payments. I called PNC to tell them that I had schedule a payment and that there should not be a late fee, they responded that they could not do anything about it and that it was my fault for not making sure the payment went through the day of. The other issues I had were with my personal credit card as well. I do not recommend PNC to anyone. Do not open an account with them. I will be closing all three of my accounts soon.


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I had PNC only 3 months. I had business accounts and personal accounts. Steve the business banker opened 6 accounts for my business then closed four and gave me the closed accounts' numbers with the debit cards to the open accounts. My clients kept trying to send money only to have funds rejected and was told the account was closed. I spoke repeatedly to the manager and assistant manager at my PNC branch Michael and Mary and was told everything was fine but it wasn't. I was using the debit cards thinking everything was okay then the actual active accounts became overdrawn and checks bounced and no payments from my customers was received. Michael told me last week I had the wrong business account numbers and he was sorry.


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My certified check was deposited to PNC on May 30. Instead they put it on hold are investigating it as Fraud. How long can they detain my check? No one will tell me anything. I have called and visited the PNC every day. Why are they holding my money?


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My account was deactivated twice this month with no notification. They blocked my entire account because of one check that was pending verification. I have never experienced this kind of nonsense before. I wouldn't have gone to PNC if my bank existed here in Indiana but I'll be pulling my money out and go somewhere else. Now I'm not able to put my money down to my new apartment because of PNC.


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This is the worst Bank ever. They put a hold a cash deposit I made in my account leaving me with no money over the weekend and when I went to close my account they charge me 25$ for closing my account. What a ripoff. That was the worst experience ever. I don't know how they stay in business.


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I have been a customer with PNC for about 11 years. Today hit the last nerve with them and I will be removing myself from their customer database today before 5 pm. Last night I went to get gas (pay at the pump). The gas stopped pumping at around $4. I was very confused by this because I had just checked my balance to make sure I had funds available. I normally don't keep money in my account because I am aware of ghost transactions that can take place. When I checked my balance, I had $18 and some odd cents. So the gas pump stopping at $4 confused me. I wrapped it up to maybe a bill came out so I had used my last dollars available. I went inside to pay the rest in cash. This left me expecting my account to be at $0. This was Wednesday evening. I knew I had small bills due Thursday but I also get paid on Thursdays so I thought nothing of it and as long as I deposit funds before 10 pm, I'd be covered. 


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I went here to make a deposit and ask questions about a car loan. The bank teller told me I could talk to Scott. I approached Scott who was on his phone and asked him who could I talk to about a car loan. I don't think he heard me so I said "Are you Scott. You are the person I need to talk to about a car loan." He asked did I have an appointment to which I said "no." He put away the phone he was texting on and looked at his computer. I assumed he was checking to see what time his appt was. Then he said I have an appt coming in. Then he said I could have a seat but by now I already felt he didn't have time for me. I told him I wanted some info and it would not take long then I unwilling sat down. 


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When my account got overdrawn they took the money out of my 18-yr-old daughter's account. When we went there to question them about it, we were told to leave, there was nothing they could do. PNC stole 814 dollars from my daughter. Do not bank here. Would give zero stars if possible. Worst bank ever.


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I was charged a $5 fee for dropping below $300 in my savings which has Direct Deposit and has been below $300 before. Called them up and demanded the money back. I advised due to this fee, to close this account and the phone rep did so NOT telling me of a $25 fee and then said she would credit back the fee, put me on hold and hung up. I called back was told the same thing and the rep hung up. Called back again, told the same thing then put on hold for about 30 mins being told the same thing. 


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I've noticed a sneaky trick that PNC Bank plays. I'll make an additional principal payment on my PNC Loan from the PNC website. PNC will deduct the money from my PNC checking account almost immediately. But it will take 3 to 5 business days for the additional principal to be credited to my PNC loan. When the payment is credited, the post date is back-dated to the date I made the additional principal payment. If I compare the interest charged on the loan I can see that interest continued to accrue on the full loan balance up to the date PNC "truly" posted my additional principal payment.


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Recently my father passed away and while in the process of settling my father's estate much traveling was done between the East and West coast. I attempted to make flight arrangements prior to May of 2017 on the Southwest Airlines via the web. This resulted in a flight I didn't want and I had to call the airline and re-schedule after being reassured from the agent that since I hadn't had the flight from the website for even an hour my bank and the airline wouldn't charge me. Both the bank and the airline charged me so I cancelled my flight(s) with Southwest and used American Airlines instead.


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I just had the worst experience at this bank. I went yesterday morning, 5/25/17 to withdraw money. I'm getting ready for a grad school trip to do research in Cuba and I need cash for 2 months, and so, I went in expecting to withdraw about $3k of my OWN money, from my OWN account. Needless to say, the manager at this branch immediately criminalized me and made me feel as if I was a fraud. I provided them with ID (in the form of my passport which is the surest form of ID) and my debit card. However, the manager was skeptical that someone like myself would be withdrawing this amount of money. I was humiliated when he began asking me personal questions about my motives for withdrawing this much money. I honestly feel like his biases and prejudices prevented him from believing that a person like myself has access to this much cash.


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Please don't ever ever bank w/ PNC. First of all there no number to call only customer service that's it all rude, they came to my job asking us to open a new account w/ them, do direct deposit, use 10 debit card transactions and keep $2000. Every month in the bank after 90 they will give us $300 bonus! Well they lie lie lie. They no way in hell give you the bonus. 


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We called early morning, Friday, May 19th and received very poor customer service in regards accessing our account. Was told my husband who is the name on the account needs to be on the line in order to receive our PIN code #. Called back again with my husband on the line and Jona ** gave us absolute very confusing information in regards to PIN code... 1st she verified that my husband is on the phone then she tells both of us that she'll mail the PIN code to our home, I stopped her and asked that she give PIN code over the phone. She then gave this # and cautioned that it would only be good for 15 min., my husband then asked her to also mail us a PIN code since the one over the phone would become inactive after 15 min. is allowed (absolute nightmare). She then refuses to mail a PIN code because she tells us that she has already given us a PIN code over the phone.


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As a result of non-payment of an approximately $14.00 balance on my PNC credit card, as well as phone discussions with PNC, I discovered the draconian and unforgiving card termination policies of PNC. Apparently if you have a balance of as little as one cent [$0.01], and you do not pay that balance for 60 days, PNC will terminate the card and notify the credit rating agencies of same, thus reducing the credit score of the [former] customer. The only exception is if the customer can show a mistake on the part of PNC. The amount owed, number of times this occurred for the customer, misunderstandings - nothing will stop PNC from knee-capping the customer's credit score. 


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This bank lives to charge fees. I have had several issues but I will only discuss the worst. I typically only write checks to pay bills, mainly to avoid fees just to use my debit card. I get paid every Tuesday but my paycheck always hits the bank around 11 pm on Monday. On one particular occasion I had to write a check on a Friday, I knew I didn't have sufficient funds so I asked them to wait until Monday to deposit the check. I didn't think it would be a problem because any other time I have written a check it always post the following business day (if the merchant deposits it that day).


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Posted my deposit, then reversed it to pending and charged me with 2 Overdraft Fees of $36 each. Refused to remove fees and no clear logical explanation given for changing my deposit, resulting in a loss of $72. This bank is scum!


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DON'T sign up for this type of account @ PNC Bank, unless you really need it! The only advantage over their lower-balance account is "free checks" (which cost about $25 for 100 checks) and free ATM fees. I have banked with this bank (now known as PNC) and the same people for many years.... Since they were Harbor [Federal-?] and then National City Bank. I only write 1 or 2 checks a month, and NEVER use an ATM.


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I have both a savings account and an auto loan with PNC. I live out of state. Long story short. I couldn't make a payment online out of my PNC savings account due to my account being "inactive"? I had 4 times the amount I needed to make the payment. I called the branch where I opened the account and was transferred to about six different people in the duration of a little over an hour. I explained over and over that I wanted to make my payment from my PNC savings account to each person I spoke with. I finally spoke with someone who seemed competent and they assured me it was done. The next day I use my debit card and it was declined. The dodo at PNC used my checking account number from another bank. I suppose because I had used it before to make a payment. Twice in the last three years or so. I normally mail in my payment. The whole reason I called was to use my PNC savings account. 


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They are obsessed with charging the $36 overdraft fee! You can pay for something the same day you get a paycheck and no doubt, the payment will hit before the check! I bought 2 iTunes songs for $.99/each and got charged $72. I'm taking what few pennies that I have left and going to find a new bank. I even deposited a check one morning at 9am so that some charges coming in the next day or two would be okay and they said the check would take 48 hours to clear so I got hit with $180 in late charges. It's a rip-off.


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My mortgage was sold to this bank. They have the absolute WORST customer service. Even worse than the cable company and I did not know that was possible. They are rude and condescending. They have a horrible website that is not user friendly and then you are forced to call the extreme non-friendly customer service. I consistently pay more for my mortgage every single month for the "privilege" of this horrible company buying my mortgage. I was looking at paying my mortgage off early with the other company I had which allowed me to make bi-weekly and pay the principal down. Customer service told me I would have to make 2 monthly payments in advance in order to even set that up. I don't know what I can do at this point, other than refinance and hope to NEVER have this bank again.


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There are two females at PNC Bank, (located at Alexandria Dr., Lexington KY) whose 'authoritative positions' have reduced them to narcissistic, mechanical, unhappy, shoddy little entities, tortured and in agony. The cake-face, blond haired female, in particular, is the epitome of pure "evil." However, rather than go into a discourse about my experience with them, I will pose this question: "How can PNC Bank take a person's property and destroy it, when in fact it's not their property to take and destroy?" Nonetheless, the only "fact" that people need to be aware of is, when it comes to problem solving, neither of the two females were accommodating at all!


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I have been a PNC customer 6 years now. At least for the past two years they have been very inaccurate with my balance. I checked it yesterday and it showed a balance of $140.00. I checked it again today after making a few purchases for $12 and it says I have $79.00. On top of that my card was recently hacked that's supposed to be protected with the chip. I honestly believe pnc is purposely inaccurate with their bank statements so people will overdraft their accounts.


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NEVER BANK WITH SCUMS. I have banked with PNC for years now, YEARS...even opened my business accounts with them, and suggested to my mom to open with them. Last month (March 2017) I decided to use bill pay to pay my rent; the property management company is more than 40 miles (one way) from me and I didn't feel like dealing with traffic and using up gas so I figured this would be a win win situation. I initiated bill pay on 3/30, the soonest delivery option it gave was 4/5, which is the last day it can be taken so I figured this would be fine. I set it up and forgot about it. On 4/10 I get a call from my property management company saying that my rent was now 10 days PAST DUE resulting in a $130 last fee and that they had just received my check in the mail that day. WHAT??? I rebutted that I did bill pay WITH MY BANK, and that they would take care of this because I KNOW I was not late. 


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PNC charges late fees on its debit cards without any warning. I got charged $12 on a $75 card and discovered this when I went to use the card. I tried calling the number on the card and only options I get are to check the balance on the card or activate the card. They provide no avenues to address your grievance. Such unethical practices should be stopped.


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I open a savings and checking account at PNC Bank. The rep say that they have good rates. I'm interested in buying a home. After a couple weeks my husband and I decided to go for it. We applied. Got pre-approved. We started looking for houses with our realtor. Was not able to find one to our liking so we decided to get an extension. The loan officer was nowhere to be found and the bank could not give me any information of where my paperwork and all my information was. This made me very pissed because how could you not know where the loan officer is. I called the head office. No one could give me an answer. Then finally realized that he had quit and my file was not with anyone. So...


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PNC is the worst ever!!! What you read online is different than what they see. They love overdraft fees. Something about pending transactions. I have been very sick and had to even go in my 401 for money to get meds. Well they TOOK it all. Tried to call them for help nothing at all. I have been with a dry long time but now I am out and going to Provident Bank so much better!!! Don't use them... EVER.


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I have been a PNC customer for years. They constantly take 6-7 days to take a 8.00 dollar charge out your account and they hit you with a 36.00 dollar fee for each item and tell you the charge is pending. Why the hell is it still pending. They also take just as long to give you a correct balance, so you may check your account after a few days and not even make a transaction, it may say you have 280.00 when really you have 60 dollars. So now you're charged all these overdraft fees plus a 7.00 dollar a day fee for every day your account is overdrafted. They are a modern day scam. As of today I'm switching to a credit union. ** this made up bank with no benefits.


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Applied for a home equity installment loan. After a drawn out application process, our appraisal came back much lower than it should. Measurements which I watched the appraiser make were misreported, resulting in a reduction in our square footage of about 20%. The comps ranged from 217k to 240k and did not include the house next door which is the identical model which sold a month ago for 240k. The appraiser selected the lowest comp and arbitrarily assigned that value with no explanation as to why that house, which is significantly smaller than ours was selected.


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I missed a line of credit payment due to not receiving the bill on time. I was notified via mail about this from PNC. As soon as I received the letter I call their 800 customer service number to get it resolved. They couldn't help me so I had to go to a branch. I went to the first branch where I wrote a check for the missed payment but they said they couldn't do anything about the fees without a manager approval. So I went to another branch who told me they couldn't help so I had to go to a third branch. 


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I was wondering why a transaction stay pending for 3 to 4 days on your account. I was told by a customer service agent that I should not go by my available balance. I was charged overdraft because they held four pendings for 3 days. When I had the manager at the Burke, Virginia branch look up my account it showed that I was charged for three items twice. He said he would look into it and call me back. He never did call so I called him and he had nothing but excuses. We looked at the screen together in his office and I showed him where the items were charged and he agreed. So the next day he wouldn't talk to me and put someone else on the phone. He faxed me a copy of my transaction page and it was not the page that we looked at. I asked him for a copy of that page and he wouldn't send it to me. They ended up taking over a hundred dollars from me in overdraft charges. 


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I have always been sure to "opt out" of overdraft protection. It was explained to me that my debit card could not be used to cause an overdraft on my account and would be declined if there were insufficient funds. PNC informed me that my account had been overdrawn due to a trial offer that had been charged to my card. They came up with all kinds of stipulations that weren't mentioned when I opted out and said I would have to pay overdraft fees. I told them I was not about to pay over 3000% of the original amount of the overdraft, especially when it should not have been processed. In the end I spoke to a representative who told me I could go into a local PNC Bank to pay the original overdraft amount.


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The bank has held up my check from the insurance company for 3 weeks delaying the repairs of my damaged home. If there are any more damages I would hope this bank would cover them. Also when calling in it asks for my last 4 of my social security or the call would not go through then the no customer service person refused to ask me another security question after giving her my full name account number and address. The check was to be mailed out last week (overnight) because they have not endorsed it and returned it to me. I asked to speak to a supervisor and that could take 48 hrs. This is poor customer no service I do not expect out of a bank. I should have used my local bank where they are more friendly. Never again will I recommend this bank to anyone.


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I opened an account with this bank. They said I had 90 days before a minimum balance fee would hit. To avoid that, I'll have to maintain a minimum average balance of $1,500. My business wasn't doing so great so I decided to just close the account so that I don't get charged the fees. They said I would have to pay $25 to CLOSE the account before 180 days!! So either I have to pay $25 now to close it or $36 to close it after 180 days! What the hell kind of a policy is that?? It's daylight extortion! Small businesses beware!


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When going in to cash in a bond the line was slow then the girl said "Be right back." Never came back. So went to another teller who didn't know how to cash a bond. The previous girl says "Have a seat." 45 minutes later I get all my documents back and I had to argue with her to get them back saying "I have to leave. I gotta go to work if I'm gonna be late." She continued to give me excuses of why she hasn't had time to take off my transaction. So this is WHY I DO NOT bank with them. Slow service. Busy singing and talking to other co-workers.


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Was promised that they would beat any processing for business that I could find - after 4 months, I checked my statements and realized I was paying over 3% in fees to process payments. I found a significantly wiser solution and they said I had committed to a 2 year contract which of course they never disclosed upfront. When I appealed, they denied and told me the finance team had denied my appeal. The customer service for Payeezy gateway is abysmal and they don't always answer the phone. The actual interface for Payeezy is also awful. When I went to close my PNC bank account, they charged me $25 to close the account and told me that normally I would be paying $50/month to have that account. There are so many unethical bankers/banks out there and PNC just re-confirms my opinion on that.


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My mortgage was transferred from SWBC bank to PNC Bank, They screwed everything up. I got a letter from PNC that they would buy hazard insurance on my property because my existing insurance was expired. That was not the case. My insurance was valid and not expired. Then they wanted me to call my Insurance company and have them remove the existing mortgagee SWBC Bank to PNC Bank. I went ahead and did exactly what they told me and they even sent me a letter thanking me for taking care of this change. 


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Once again I was faced with this banking institution posting transactions, so they can charge overdraft fees. I find it shameful that a business take funds from me when, in essence, their processing procedures are inadequate, to say the least. To treat long time customers this way is tragic -- for their business anyway, for I can get over the $36 fee, but the disregard for my patronage is unacceptable.


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I deposited my children's adoption subsidy check on Friday. The same check I deposit every single month. It's Tuesday and the funds still are available and they say they won't be until tomorrow!!! 5 days! For a government check?? How the hell am I supposed to feed my kids!! I don't have money laying around! Give me my kids money!!! They are the worst! They never ever want to release your funds! I'm done, This is the last month I'm doing this!!!


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Pnc Bank failed to transfer money from one account to another for 4 months but made me believe that they did. I tried to access my money and four weeks later they still will not give it to me. They failed to invest my money instead throwing it into an IRA savings account. I missed out on the NYSE jump from 10,000 pts to 20,000 pts. I am still trying to access my money. Today an agent was supposed to get back to me so I could access my money, he never did. I have to start all over again Monday! The best part is they are great at giving you the runaround and everything Takes Five Days!


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Never get a custodial account for your child. Presently, my family and I have an 18-year-old living with us due to her unfortunate home life. She moved in with us several months ago and told us that she was having trouble accessing money from her PNC account. Her account was set up when she was younger, and now that she is age of majority in Maryland, which is 18, she should be able to have access to her own money. Well, she has no access.


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My wife called to close our son's savings account, which was a completely separate account and account number from our own account. The PNC rep required extensive verification of my son's account information, including speaking to my son and verifying all his vital information. At no time did the PNC rep get my wife and I's account number, SSN or any information regarding our account with PNC. Upon finally closing my son's account the rep stated "I've gone ahead and closed both accounts and you should receive a check in the mail for the balances within a couple days".


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I've been having issues with PNC retirement 401k. I took out a loan, Feb 3 was my last payment needing to be paid. I've been calling them for the past 5 days to find out why I don't see transactions made from Jan 20. Money was taken out of my check but they show no history. Employees seem lost. Giving me the runaround. I've asked to speak to managers but all I get is "they will call you back". Pretty sad how they hire employees and managers that don't know what they are doing. I would love to add names of employees but it would not be too nice. Crappy service.


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I have all my bills set up to be paid through online banking. They consistently pay my bills late, even though I set them up, well in advance, to be paid. This month, I got a bill for $350 from the cell phone company, because despite setting up a payment for last month, PNC did not send the money. They sent my water bill so late that I got a $250 bill saying I was $133 in arrears. I'm very responsible with my money and pay my bills on time, so I. Am. Furious. We're switching ASAP. This is the final straw. Avoid PNC. At ALL costs. Go anywhere else.


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So I have done a lot of business with this company and they have the nerve to send me out a bad debit card that won't work. I've activated it and the only place I can use it is at the ATM. I have bills to pay that won't let you send checks or anything to pay the bill. It's all debit card or credit card nowadays. Or you're ** out of luck. They are trying to charge me 25 dollars for them to send out a debit card that they messed up with security code on. Which is so wrong. Just goes to show how loyal customers are treated.


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When I sign in to PNC few years ago, I asked if they have office/branch in the capital area of LA, I was told yes. Few months later, we were in LA, drove over 2 hours looking for their branch posted on their website. Finally we learned that there was none. Last year, I came to the office, checking the rate of a property loan. Without my permission, the officer hard pulled my credit report. I went to different branch talking to a very good officer (he is no longer there), he suggested to get a credit card instead since the damage cannot be reversed. I got my son to apply a rental property loan with PNC. A commercial or loan officer insist my son to be present for all the signing. Few days later, he got a message saying that they don't do that type of loan anymore. The uninformed loan officer cost my son's a day of work for he is self-employed.


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I would have given zero stars if that was an option!!! I have been a PNC customer for several years and this has been the worst experience ever!! I accidently transferred money to a ZERO balance credit card that was meant to be transferred to my checking account so that I could purchase airfare. As soon as I realized what happened, I called customer service to cancel the transfer. They "were unable to do so" because it was not a business day per customer service. I called back on Monday and was told at that time there was nothing that could be done besides requesting a reversal on the transfer which takes 10!!! business days.


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I contacted PNC Online but they brushed me off. I have a overdraft in my account that I cannot pay off. I only had enough funds to cover Wing Wings Cafe and Combined Insurance ONLY. I spoke with the NC Department of Revenue regarding my payment but because I am unemployed, I wasn't able to make the payment for January. I expected the bank to reject the payment but didn't so, I cannot pay the overdraft in my account. PNC should adjust my account because I didn't have the funds to cover the payment when it should have been rejected. Thank You.


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My experience with PNC bank was awful. I'm giving PNC bank 1 star. I recently got a car loan from the PNC bank. They have sent me my first statement on Jan 20th, 2017 and the payment due date is Jan 24th, 2017. What?? I called the bank to find out why this happened and I was on hold for 1 hr. &10 min. Never again will I do business with PNC bank.


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I have been a loyal customer for 2 years. Recently I feel like they have done everything they can to make my life as miserable as possible. They have been overdrawing my account with so many fees that it is ending up more than my actual paycheck. When I call customer service I get told, "Wow you make decent money... Let's see what we can do to resolve this situation," and all I am told is that the "system" is the one who decides what goes thru and what bounces... Tell me when a check has posted to your account for more than a week. There is an overdraft fee on the check and then randomly it is sent back? Makes absolutely no sense to me.


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I opened this account to complain about how greedy and stupid PNC is. I had this account to pay for my tuition with Penn State and keep using it for my salary and paying back my family student loans. On a Friday I scheduled a Popmoney payment but got a nice new apartment application on the following Saturday. I stopped the payment to my family before it went out, and on their Popmoney page they claim the money will be back in 2 business days. I woke up on Tuesday morning the money still paid out instead of staying on my account or coming back. Now I'm over-drafting. I called and the answer from whomever picked up my phone is, "Popmoney payment will be back within 3-4 business days, this is also in your confirmation email from us. Your money will be back tomorrow as we tried our best." Nice, then I filled in a customer complaint asking them updating their stupid misleading website about the 2 business days promise.


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We have had a vehicle loan with PNC for the past four years. Always have been on time with payments. Wanted to pay off loan and sell the vehicle on our own. Went to local branch and paid off loan. Was told that the receipt they proving would be accepted as a release of Lien at the MI Secretary of States. Bad info as it was not accepted. Called to have them fax or email a copy of lien release. They don't email, only fax and it takes 48 hours to process a fax request. Get with the times PNC. Fax was not received after waiting two days so asked them to fax again. Was told this is another request so it will take another 48 hours. How is this bank still in business?


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I would give ZERO stars, but it made me choose at least one. On Saturday January 14th PNC Bank on 13th street in Gainesville, Florida refused to cash a check off of my business account because the teller was "teaching me a lesson" (HER words, NOT mine). It is my business account and I was trying to cash a check I wrote to myself for cash. 


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I having bad experience with PNC Bank. I feel like the bank owe me because last year 2016 a scammer give me a check. I went to PNC Bank teller. They said yes cash check. Now keep charging fee of $7.00 every get my social security or money from my job. I think should get sued. I been with them long time.


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I use to really love this bank, but lately they have turned into a greedy, vampire company. First I noticed a few months ago they hired new people for their over the phone customer service. Every time I called I would be told something different. When I explained to them I had done the process that I was calling for several times, I would get different answers. One CS person told me that I should not have been able to complete my process in the past. She stated that they weren't allowed to do that and that she was going to file a complaint against the CS Reps that allowed that Process. (Never ever heard this said from an employee at this banking company.)


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PNC Bank compare them to Check N Go. They are outrageous much worse than Check N Go. Told me if I made payments on my overdraft for 6 months. My overdraft protection would be reinstated. Then that changed to 1 year. Overdraft protection active but PNC never allows it. Recently they told me it will be OK when I pay it all off. They have collected approximately $ 3500 in 2016, for overdraft. Obviously I have an income and an ability to pay these overdrafts. They charge their fees at 10 PM and deposits are made at midnight. Maximize costs to customer. PNC's algorithm for loans is predatory. Unfortunately too many banks use that algorithm. I will survive, but this gangster algorithm should be unlawful. Payment history should be weighted more than maximizing profits. PNC specifically & American Banks in general have taken advantage of laws to strangle American Families.


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I was having issues with an auto loan. They put the wrong ARP and I have been back and forth with them for 2 weeks and it’s still not fixed. All the keep saying, "That’s the back of the house, they need to fix it, not us." They keep asking for same information over and over again and still haven’t fixed it yet.


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If I could give 0 stars, I surely would. I had a stroke recently. As a result of this, I am living on approximately $1,400 less per month. Because of this, I am now on disability. Unable to pay many bills, I entered into a debt consolidation program, and my credit has taken a temporary nosedive. I have been using NFCU's "overdraft" protection line for a few months. They charge you $20 for each item paid, and I always bring my account up to a positive balance per NFCU policy to continue using this feature, as I am in desperate circumstances. Well, for the first time ever, NFCU cashed the $500 payment made to them, but only made $225 available to me, insisting that FIVE (5) business days are required for them to release the rest of the money! This defeats the purpose of this over-draft line entirely! At a time when I am most vulnerable to another stroke, this kind of stress is both dangerous and tragic for my current situation. 


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Very unsatisfied with the customer service and Credit Union. Asked a supervisor to put in a call back from her supervisor and she hung up. This is how veterans get treated? Piss poor customer service. Told me I was lying when I had the proof. Been a member for over 10 years. At risk of losing my membership. Would appreciate a message and phone call from higher ups!


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Rated 0 out of 5 stars. Have been a NFCU member for years. It is my favorite bank. I was diagnosed with cancer 8-8-2022 and recently told to get my affairs in order. I have savings, checking, loan and visa. NONE are behind. I have not missed a payment. I reached out to them to consolidate. I did not qualify. I applied to a debt relief program to get the payments off of me. This bank is fair weathered bank. As long as you are humping along making your payments and not struggling. If you are old, sick and in an embarrassing situation they will not work with you. 


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We have never had a bad experience with Navy Federal - EVER. We have credit cards, checking accounts and have had personal and auto loans with them. We have gone overseas and not had any issues. I was surprised to see all the bad reviews here. Are there two different Navy Federals? We certainly have nothing but good things to say about them, and have sponsored a lot of family members to join and they like them, too.


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As a NFCU member, I did the pre-approval process for a used auto loan. I got a good rate so went for it. Visited a NFCU to sign paperwork and get check for dealer. Loan specialist verifies APR and monthly payments. I'm happy. 3 days later NFCU sends docs saying my rate went up 2%. I called and "nothing they can do". Apparently rate went up because my vehicle was considered new (2022 but it's now 2023) and has 35k miles. When I called about the issue, NFCU told me rate went up because of miles and year on vehicle and the estimate they gave me couldn't be verified on pre-approval documents. Even though you MUST enter vehicle make, model, year, mileage, and VIN! How could they not know this info before quoting me an APR! 


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Thank you for contacting Navy Federal regarding the Debit card fraud claim submitted on 2023-05-31 on your Debit card ending in ** for the amount of $65,777.06. Based on a thorough investigation of your account activity, we have determined that no error has occurred.


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For 5 weeks I've been trying to buy a home using NFCU as my lender. I submitted all of my income verification, etc. to them in the very beginning. Their underwriters didn't like my debt to income ratio so I double the down payment to 30%. Nothing else was said about it and they gave me a "conditional approval". I asked what that meant and was told the appraisal needed to be approved and the title work done. Nothing else was said about Debt to income ratio. So I proceeded to order an appraisal, find homeowners insurance, and pay for my own inspection. The closing date was set and all the paperwork went back and forth. 


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I really hate to say it but I feel like the Federal banking system is nothing but garbage. I really had high hopes for this bank. As they are military-backed, but it seems they are just like every other bank out there. They are definitely not for the small business owner who is simply living paycheck to paycheck. If you deposit your funds on a Thursday, that's not available until the next Tuesday. So if you are waiting to use that money to start another job, you are screwed. Couple that with the adding insult to injury. They only give you a 1% allotment for anything you do deposit, until whatever check you have clears their bank. And here's the kicker-They can take the money back from you and tell you that they may not have funds available to you at any given time.


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Everything started off fine with Navy Federal until they were sued for breaking consumer law. Navy Federal really needs to hold training on their so-called security team etc. They are not attorneys, they're just regular people with a job denying 90% of their fraud claims, making decisions on how they see fit and taking money out of accounts in which they are still breaking the federal electronic transfer act.


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I called and asked questions about being a newer member and car loans. They said it's based on credit score not membership length. My credit score is very good 750+. Navy Federal says CONGRATULATIONS your car loan application is approved and all documents will be avaliable but failed to tell me the APR I would be charged, so I called... It was at 2% more than everyone else. Then I was told it's because I'm a new member. Your kidding right? I asked that before I joined... Classic bait and switch. I'll bet they pray no-one reads the fine print or asks questions. They will get you on the hook with HIGH rates. Funny thing is she says as we are ending the call, "we offer low rates on other things"... I laughed and said "But I'm a new member, new members do not qualify for what you advertise"...


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We were already approved with local credit union with the best a.p.r., but given the current market it was harder to do business out of town while trying to find the right deal. So I thought I'd give NF a try because they did the buying process differently. Big mistake. It started with a glitch in the online input for opening an account (closest branch is an hour away). After being asked to review docs at the end of inputting info, it erased everything I had already put in and wouldn't allow me to find the info.


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I called collection section of Navy Federal in regards to an account I was trying to close out and the only one that helped me was Sabrina. Everyone else just hung up on me on a recorded line. How are these people still working there. It's crazy but yea whoever you are Sabrina that works in collection with Navy Fed thank you so very much for being a professional. She was patient and got me exactly what I needed in 5 minutes. Give this lady a raise.


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I've had a few issues with Navy Federal's banking over the years (never any issues with auto/home loan divisions) but nothing like what I'm experiencing now. I ordered a cashier's check on 7/31 at ~6 am and chose certified mail USPS. Called Wednesday, 8/2, for 40 mins, no tracking but they say I'll receive the tracking number on Thursday morning. No trace of a tracking number on Thursday. I call on Thursday and wait on the phone for 90 minutes with the industry's nastiest supervisor telling me that:


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I opened a Go Rewards credit card based on an advertisement in their mobile app offering 15k points for new accounts and with spending 1500 on the first 90 days, I called after the 90 days and they claim they never had that ad, they wanted proof that I seen the ad. After this incident they have had the same advertisement for 15k and even 22k which they claim they never have. This is the same type of fraud that Bank of America had to pay a fine for, Cara the supervisor for the call center claimed she would reach out to another dept to verify the advertisement and contact me within 5 days. We'll it's obvious she's is not going to do that! It's been more than 5 days. This bank doesn't care about customers, I'm taking all my business back to another credit union. Wouldn't trust them anymore with my money since they can't seem to honor their own advertisement.


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Just had the worst experience of my life with this credit union. The last two supervisors I spoke with were horrible and wish I had gotten their names. As soon as August 8, 2023 come I will be closing my business account with Navy Federal and taking my business elsewhere.


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Despite what they say they are not veteran friendly. They promise a two early release of military and veteran pay. Multiple times they don't deposit it early. When we call them they say there is nothing they can do. This company is incompetent, and apparently don't care about veterans. I served two tours in Iraq, and all I ask is for them to keep their word. I guess since my service doesn't matter their doesn't either. People wonder why veterans are always angry. Here is a prime reason why.


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My son is active military and they claim to help their military members and their family. My son and myself applied for a loan, we were denied. I called twice to discuss the reason why and they could not provide a detail explanation. The loan's supervisor stated that he could not see the reason why because it is personal and we had to wait on a letter in the mail. I don't understand why we need to wait on a letter. I have other loans and they explain to the client the reason why they will or will not approve the client's loan. They provide an explanation right there in front of you. There is no need to wait on a letter in the mail. They do not stand by their word which is they falsely claim to help military members and their families.


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Worst credit union ever. I appealed my denied personal loan application today for 800 dollars. I plainly told the representative to notate that I wanted them to pull my credit because I had a late payment removed today. Lo and behold they denied the appeal and didn't bother checking my credit. I know because I get alerts once my credit is pulled through Transunion and that's who they use when doing a personal loan. Very disappointed in them. I am pulling myself out of their business at the end of this month. I am closing my accounts and going with a local credit union. Please stay away from them.


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I am not quite sure I one hundred percent agree with Navy Federal, but I do know that handfuls of times I have personally paid off bills (with and without bill pay) and after every deployment or leave they claim nothing was ever paid. It is impossible to make any leeway or financial betterment based on what is happening here. It’s a nightmare and reoccurring. The base will offer financial classes but how are those supposed to be beneficial when you are getting ripped off?


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My uncle has been a long time member of Navy Credit Union. He was in the military and a decorated Homicide detective in Washington DC. My uncle suffered from Dementia and Alzheimer. There was a home care aid that ravaged through personal documents, obtaining his social security number, his banking information and supplied fraudulent papers opening a joint account with him at Navy Federal CU. The sad disgraceful careless efforts on the part of Navy Federal is that the documentation provided the WRONG social security number!!!!  Upon me notifying Navy Federal CU that my uncle had passed and being the administrator of his estate, requested release of funds in ALL his accounts. They accepted these documents without anyone catching the mistake!!! RED FLAGS AIRHEADS!!! 


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This is a horrible place. Call to ask for information they say what they want they hang up on you if they don’t like what you’re asking or what you’re saying or maybe they don’t know how to answer the question. These people believe that they’re above the law. They don’t seem like they realize that they’re a business and they need clients in order to stay in business. You can’t get in touch with a levelheaded person at Navy Fed and even if you do, they can never fully answer your questions. They are very vague. They’re rude never will I deal with this place. Criminal organization.


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Had a checking in savings account with Navy federal and someone got ahold of my checking account and did some fraudulent and maybe federal close my account but they won't reopen my account and they have all the documents and information.


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Navy Federal is ENTIRELY TOO SLOW at paying bills through their bill pay! Nothing gets processed the day you submit a bill, pay request, no matter the time of day you enter it. They seem to wait until midnight the next day to process your request, then seemingly take WEEKS to send a paper check. Even electronic payments take too long to process. I can’t believe they treat veterans and their families this way. This is completely unacceptable. For this reason, for me, they are only good to use as a savings account.


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Don't use this bank!! I just called and spoke with Jule in advanced digital services and got yelled at because I wanted to speak with a supervisor. She, by far, was the nastiest bank representative I have ever dealt with. Then, when I finally got a supervisor Clark, he basically said he didn't care and I could write a letter. Time to bank somewhere else. Some place who values their customers. I wasn't even asking for her supervisor because of her. It was because of the bank losing or holding my money from a Zelle I sent. Now I have no access to my fund until they decide I can and they don't care enough to figure out why it is being held. There is no fraud alert on it so no reason it should be held for more than 24 hrs.


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I paid off a vehicle and check cleared both the credit union as well as my bank. Nine days later I still have not received electronic title lien release. After speaking with an associate and his superior I was told that I was not eligible to receive the lien release yet that it was their policy to hold both for ten working days even though the check had long cleared both banks. I offered to show them proof the check had cleared both banks. When asked why, there was no reason given except "it's just our policy". Not the policy of others mind you. Only theirs. When you can hold someone's money and hold their paid for property hostage just because it's "your policy" does not make it right. This is bad business! I will never recommend bad business!


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I represented a Veteran buyer in a transaction that used Navy Federal where he banked in purchasing his first home. I wrote the contract with a long escrow period knowing that VA can take longer than other lenders. It was for over 6 weeks. All went smoothly until NF went radio silent two weeks prior to closing. I started calling, emailing and texting anyone and everyone two and three times a day for a week, no one returned any outreach. They definitely dropped the ball. We ended up closing a day late and only after they "expedited" the underwriting. This is unnecessary and poor professional service, especially for our veterans. Do not use them. Not worth the stress.


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I spent 7 hours working on a transaction for a gift for my mother that has cancer. I called the bank and asked them about making this transaction before I made it. They told me that if I DID NOT receive the items that I could file a dispute. So I listened to them and went ahead and spent $250 on this gift for her. I DID NOT receive the items and so I called the bank and waited for over 30 minutes to speak to someone. I eventually ended up with the nights manager or supervisor named Johnathan. 


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NFCU is no longer operating with its members' interests in mind. They have single-handedly destroyed to go to credit union for service members and veterans. They will attempt to raise your rates without inquiring as to service status to include removal of federal and state SCRA benefits. If you get a loan through them and your state doesn't do title or registration of a boat engine they will raise your rate to the highest they can after you decline to forge bills of sale for them.


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I’ve only been a Customer for less than two years, but I find Navy Federal anything but Veteran Friendly. They took over two weeks to get me a denial decision on my mortgage application while two others Veterans United and Rocket got me preapprovals within two “days”. It shouldn’t surprise me they quickly denied my auto loan too. I briefly filed for bankruptcy when I lost my job during covid, but had the court voluntarily dismiss it when I got a new job. My credit score is 700+, good enough for all other Lenders, but not Navy Federal. Save your time!


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I spoke with a representative named Jason today who was very rude to me. There are better credit unions out here than Navy Federal. I'm moving my money elsewhere. They are fraudulent and not honest. They steal money from its customers.


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We refinanced our car loan with Navy Federal, and somehow the title was lost, and they raised our interest rate to 14.8%. DMV would not give us a replacement because the old lien holder had to request it. It was a six-month battle, but we finally got it fixed on the 6th of April, and our bill is usually due on the 9th. When we called Navy Federal, they told us since they received it before the billing cycle, it would take effect on our May payment; since it was so close to our payment date, we still had to pay the full amount for April 9th. Well, today, April 29, they said we have to pay another payment at 14.8% interest because they received our title on a Thursday, and the 9th was on a Sunday. Two other representatives told us that our payment would be lower, and I asked are you telling me the other representatives lied to us. The supervisor said no, they must have misread.


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RUN, DO NOT WALK, AWAY FROM ANYTHING TIED TO NAVY FEDERAL CU!!! After establishing my account ONLINE, and being emailed my information, including their routing number and my account numbers, I was ALSO sent an email with a link to my debit card information to "begin using it online." Subsequently, AFTER I had already initiated a transfer from an online bank to the account, which TRANSFERRED, AND changing my two direct deposits over to this new account I received an email that I needed to submit my I.D. and a proof of address document online. WHICH I DID 10 DAYS AGO. EVERY time I call I get the same MORONIC responses of "3 to 5 business days," and MULTIPLE "managers" that could not transfer me to Security to resolve. TODAY I am STILL not able to access my "account," and I'm TRYING to get them to REFUND the initial DEPOSIT!! WORST BANK EVER!!


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Updated on 4/23/2023: I have to say that I was under the impression NFCU was top tier, but that was not my experience. I found the customer service staff misinformed, combative, and plain rude. I did not feel at any point as though they were reasonable, compassionate, or providing any level of service whatsoever. Moreover, their information was inconsistent and inaccurate. I closed my account after I experienced repeated issues with my account.


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Navy Federal told me that I had overdraft my account. Come to find out it was a computer glitch on their behalf. Agent put my money back into my credit card then mysteriously right after he did that they put it in my checkings and then took it out my checkings and so the money's gone. I wrote a letter to the fraud department and so it's almost been a year and I haven't heard anything. When I try to call the fraud department I don't believe it's the fraud department. It's just the regular workers that's working there and they tell me they don't know anything and I didn't send no letter. I will stay away from that company is fraud and the workers that work there look like they hired them off the street because they got a nasty attitude. Guy was laughing every time I was talking about my money like it was funny. I told him I said that if he was in my face he won't be laughing cuz it ain't no laughing matter. That company is stealing people's money.


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Navy Federal has absolutely changed. Today I got two of the rudest most condescending agents over the phone. It’s so difficult for me to even talk about it. I’ve banked with them specifically because my father was in the service, and I believed in their mission to serve service members and members of her family. But when I called to inquire about my transaction. And I wanted to further just grieve the situation not because the agent was a good but the policy of it. The agent took it very personally, and became a victim in the conversation and would not transfer me so I can’t talk to them about an unreasonable whole time on a deposit I had made. See if they wanted to keep my deposit on hold for over seven days when it was just a refund. It was so basic and so ridiculously simple of an issue. 


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If you aren't a qualified forensic accountant, take your banking needs elsewhere. They're hard to reach, and once you finally do get through, you'll be transferred around often. I do not live near a branch and had to deposit a refund check, and mobile app didn't work, so I asked for deposit slips to be sent to me so I could deposit by mail. 3 times I asked for them, and 3 times I didn't receive them, and guess what, the check's expiration date came- worthless check. The check was only $68 but that's not the point. I'm also a fan of security features, but NFCU's are extreme. Many times I have been embarrassed at point of sale because card was declined, despite my having plenty of money in savings and checking, and credit card at 20%. I would advise my Navy and Marine Corps brothers and sisters to avoid this bank. I thought time would improve things but they've only gotten worse.


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As a long time member that has paid off close to $200,000 in loans I am very disappointed. Discover home loans approved us for 3 percentage points lower than NFCU. Saved us over $700 monthly in payment. We had no prior relationship with Discover home loans. We had previously paid off approximately $200k with NFCU, and they refused to match the APR we received with the approval from Discover Home Loans. NFCU does not take care of their loyal customers.


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NFCU took nearly 7K from my Savings account without a Garnishment or any phone or mail notification. This was not legal. They had their third party collection agency do that. They never gave me a chance to pay the discharged amount. Stay clear of NFCU. They are a corrupt company.


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I recently leased a car from D&M Leasing (which is another story with exuberant fees and commissions). I had the car for 3 months, I roughly paid $6500 down and made payments on time. I received an advertisement from my personal bank, Navy Federal Credit Union promoting an option to refinance my auto loan. Having paid nothing towards the principal so to speak, I filled out the application and was approved. I phoned D&M leasing to get the payoff. Let's say it was $50,000. I phoned NFCU with the payoff amount and to their credit, 2 days later a check arrived addressed to Texas Credit Union (the financing bank for D&M Leasing) for the amount of $50,000. I took the check to TCU and paid off my loan, they indicated that I would receive my title in the mail soon. I did not receive it for 7 weeks.


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Talking to branch reps and then the security team about 5 day holds on checks from benefactors that I have several check deposits from before with no issues, they were unable to give me a definitive answer to why. The security department gave info that there is no restriction on my account and there is a person that decides if a check is put on hold, this person that is in charge and gives the final decision on determining if a check is put on a hold cannot be reached and is unavailable to the consumer to provide clarification of the exact issue. Only vague descriptions of problem can be offered and there is no recourse in acquiring a resolution to the issue according to the security department. Personnel were understanding and cordial.


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Had an account with Navy Federal for years. At least 3 times this year I’ve had my account compromised. Just the other day they closed my account completely down because someone hacked into my account on a computer and took my money. Then they made me pay over $100 back to them because of this. Not only did they do that they took $700 of my money that I sent to my mother. I’m a hard working mom and I can’t believe this even happened to me!! My son can’t enjoy Christmas because of this. I will never trust them ever again. They are scammers and liars.


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My spouse and I are both vets. After reading the great reviews, I applied for and was granted a Navy FCU membership for a 2ND home in Florida, however we were not able to access their mortgage site after repeated attempts. I reached Chris at the call center and was advised this brand-new account will be closed and was flagged for fraud because I am not me, or we are not we. What???? Furthermore, the expected wait times via phone for the Security Team to rectify this mistake was nearly 2 hrs. I understand they have a job to do, but we don't appreciate the way it was handled. This account is not even 24 hrs. old and already experienced issues that could’ve been resolved had they simply reached out.


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I am a 74-year-old, disabled Vietnam veteran and I rely on my credit in the event of emergencies. After sustaining roof damage during Hurricane Ivan, I submitted an online application with Navy Federal Credit Union (NFCU) for a Home Equity Line of Credit (HELOC). My intention was to repair the roof using the funds from the HELOC while I await my insurance settlement. 


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I have been w/ Navy Fed for over 13 yrs and never seen this. Someone submitted a fraud claim against the account (online) so that they can get the "Provisional credit" and then transfer to another. I have the card etc, apparently these people did took the card numb digitally and accessed the account by "By passing" the info needed to get into the account for an online fraud claim. (How???) By the way I tested to see what they were talking about and this is not true. You cannot bypass info if you forget your password. Anyway, they took the provisional credit of their fraud claims and transferred it to was a Farajii ** (right away) & attempt to get a loan, of course we don't know this person. We closed this acct and reopened another after the fraud dept started their investigation. 


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I've just opened the account two weeks ago. Why is my money not available and the site is of line. This is unacceptable for the almighty United States government....I'm a 100% disabled vet and I need my money on time....to pay my bills and support my family.....What's wrong with this system....yet be patriotic....I did that with my service during desert storm...Stop playing with my money....and calling yourself an institution working on the behalf of the military personnel who put their lives on the line to be robbed....not so!!!


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I am a veteran of the U.S. Navy and in my capacity as a Naval Intelligence Officer served at seas, overseas and on the Joint Staff during my service in the U.S. Navy. I have been a Navy Federal Credit Union member for roughly 30 years and have always made my payments on time. It has been my experience that what was once great organization and service that was focused on service members has been in decline for several years. I recently closed my Platinum Credit Card account completely after the following event. I fell and suffered a head injury and was hospitalized. From bed, I made my credit card payment the day after the day the payment was due. It took Navy Federal Credit Union 48 hours to process the payment. At the end of the day, on the day the payment was due, and I was in the hospital, Navy Federal Credit cut off the use of my credit card. On that very day.


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I was told that Navy federal accepts credits on account before debits. They bounced a check to my rental company because they did not honor this process. When I called and asked them to honor it, they refused. I was very upset because this cost me additional money on each end and a small dose of embarrassment. I expressed my frustration and the following day a second representative called to threaten my future banking with them. This company has gone downhill, not to mention the nerve of them.


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We opened a campus checking account for my son who was going to college. As soon as he moved on campus his account was hacked. Though Navy Federal "suspected fraudulent activity" they did not notify us until a week later after thousands of dollars were taken from the account. The branch representative automatically accused my son of being involved (he wasn't) with absolutely no proof. The only way to deal with this was to call their security line- wait times are routinely over 2 hours to speak to a person who again without any information was very accusatory.  


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Every time I call, I am on hold for 30 minutes or so. Then I usually have to be transferred to another department. I’m about ready to leave and get another bank. They need to beef up the staff, because it’s awful now.


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If you are a 100% disabled veteran it's a waste of time applying to Navy Fed, especially when they charge you to run your credit report. The reason being is they WILL NOT factor in the tax credit you receive if you live in TX, FL, and other states that allow the credit. They still factor the tax in your DTI even though you will not pay it. So without them factoring it in my payment would be $2,900 with the tax credit my monthly would be $1,900 and under 45% DTI. It is a guaranteed zero property tax credit payment by those states so they are screwing over 100% disabled veterans and losing so much business. So 100%ers don't waste your time and go figure they're supposed to be supporting the military and veterans!


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I have been an NFCU member since I was 4 years old. Just in case that matters. I was trying to purchase a vehicle through my LLC with myself as a Personal Guarantor. Since my LLC is brand new, many lenders are not willing to do the loan, but I was told by one of their phone agents in their business solutions dept that NFCU would, all I would have to do is do the loan in my name, apply for a business account, and as soon as that account was created, I could immediately refi the loan under my LLC with myself as a PG. I was LESS THAN THRILLED with the interest rate I was offered since I have excellent credit, but I said to heck with it, I'll just do the deal and at least I can refi it in my business name, at which point I can put more cash down possibly or just pay it down quicker.


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I deposited a $5000.00 check into my business account. Said should be available in 2 days. Then I woke up this morning to my account $4585.00 overdrawn. I call them to get the run around stating their security department put an additional hold on the check for another 5 days. I said, "That don't explain why you have my account overdrawn when there was a positive balance when I went to bed last night. And there is no way for me to overdraw my account that much." Oh they credit me the money back to make my account positive, yet they still can't tell me why the check has an additional hold. I talked to the client. They said their account has several milllion in it and we do a lot of work for this company and never had an issue. Call Navy Fed back and still getting the run around. Now I can't make payroll all because navy federal wants to ** me and play games. I'm Closing this account as soon as all my funds are available. Stay away.


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NFCU has been our "go to" bank for years. However, these last few months, June/July 2022 their customer service has fallen below acceptable. Getting a representative online has taken me a minimum of 20 minutes and some were projected to be one hour! No call back options are offered either! So, going into the brick-and-mortar bank on Brookhurst in Foutain Valley our wait time was over 1/2 an hour! We came back as we had another appointment and had to wait yet again! 


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I have been pre-approved 3 times for their flagship card. Each time they have done a hard pull on credit report. When I try to talk to a reconsideration specialist, they insist on messaging them. When I message them it appears they go to their algorithm and no talking to agent.


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I have been a member since 2014 and I left active service in 2020. The change in service has been very drastic and disappointing. They are not as forgiving, not as thoughtful, no compassion. I did leave during Covid so maybe that changed their policies. I couldn’t get a loan, my interest rates increased, fees for everything, hidden policies, I felt like I was banking with Wells Fargo all over again. If it wasn’t for my credit I would’ve been left. I’ve been banking with usaa for the past year and I think I’m ready transition because this is unacceptable treatment for a veteran, it almost feels like discrimination.


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I’m posting my experience here, in addition to the Navy Federal Facebook page, to voice my concerns that Navy Federal is in urgent need of process improvement to address gaps between their member application and loan application processes. For reader context, I am a joint applicant with 800+ credit, $275k+ income and low DTI, looking to finance a second home. My loan request has been pre-approved and is with underwriting pending home selection.


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NFCU IS RACIST against low balance account holders mostly comprised of ** and ** persons. Instead of answering my complaints they blocked me from all contact with them then started stealing my money leaving me with no way to handle this. They blocked my phone number, blocked me from their FB page. Moved me to a different "batch" as punishment to make my direct deposits late. DO NOT USE RACIST NFCU.


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Don't come here, I was forced to open a bank here at Navy Federal Credit Union. I am not military, but I would rather switch to another bank because they treat me like crap. My card is constantly used.


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I called into the customer service line because I needed to get a rental and left my cards at home except for my Navy Federal credit card however the limit wasn’t high enough to get the car for that many days with the deposit. I called in and expressed my issue and Janel was able to get my credit limit increases immediately. She was awesome and I am very appreciative. Thank you Janel.


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Tell you lies, disrespectful, question your integrity. I would not recommend this bank to any fellow veterans. They don't seem to have any integrity at all. It makes no sense to lie. Just be honest, respectful to your customers.


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My husband took out a personal Loan. It was immediately approved. Email received in acct. paid a bill. Somewhere after it was removed then given back next day. They tacked on $500 advance and took his savings to bring account back up. Even though they made error they say we are responsible. Never trust when the banker states “Your Money Is In The Acct, you can use now”. We are fighting this.


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I would rather bury my money in the back yard. I have reached out by mail, email and phone. All to no avail. They don't seem to be willing to open accounts. They are very good and being rude and condescending and apparently no one wants to do their job. I've tried and tried, I'm done.


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I have financed and paid off vehicles with NFCU so I know the process. So when the lien paperwork arrived in the mail, I filled it out and returned it in the addressed envelope provided. About a month passes and I received another letter. I discarded it because it must've been sent in error. Some time passes and I receive another. I decided to just go ahead and fill it out and send it back. Some more time passes I get a notification tag on my door from UPS. I had no idea what it was because I was not expecting anything. Apparently, this UPS package was "signature required" and they kept trying to deliver it within the 9am-5pm work day while I was, ummmm, actually at work! During this time, I noticed my payment had been increased. And after speaking to several representatives, I found out the package was from NFCU. They were trying to send me the title. All they could say was that it should not be "signature required" but it was!!


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If I could give zero stars, I would. Please go elsewhere for your mortgage needs!!! The mortgage department is a waste of resources. They will waste your time and money. Do not expect communication, professionalism, accountability, customer service or knowledgeable employees if you do attempt to apply for a mortgage.


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The mortgage dept. is incompetent and after you lose $$$$ from paying bills that they tell you to pay.. they will wait a week before you are scheduled to close to tell you they made a mistake and you’re not really approved.. They will not take responsibility at all.. I will tell all my clients and colleagues to be aware of Navy Federal CU .... Save yourself time, money and pain .. Get your mortgage loan someone else!!


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I have never appreciated Navy Federal more in my life. They just saved me $500 because they spotted a scam and placed my account on hold. Forcing me to call in, the representative pointed out all the red flags to the person I was sending money. This is who I want protecting my money!


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The mortgage officer I had was new and inexperienced. 1st time buyer and it was the worst experience ever. Laughed at. Told to shop elsewhere. And loan officer was in vacation mode instead of focusing on my closing. Unfortunate because I loved this bank I have had a membership for 10 years. Now I don't really trust them. Was told to amend taxes then denied for amended taxes and told different reason for denial. Games played and I was lied to also.


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My husband passed of Service connected ALS in 2020. They are no help to widows.. I couldn't even get a credit card.. They are very stringent with wives and widows and I feel very untrusted.. I am moving my savings out of here and just keep a small amount of money. They will say no to everything. I own my home. My car.. Very little debt but it doesn't matter if you are a widow or spouse. Don't ask for anything. It will be NO. My husband gave his life. A 25 year veteran..


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Poor customer service....inaccurate charges, and terrible money management. I wouldn't recommend it. I don't feel like a valued customer. There's always something. I've gotten my family members to open accounts and now regret it.


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NFCU has been an excellent bank, except for their Bill Pay service, which I would avoid. Bill Pay is managed by an outside for-profit company which services many other organizations and is very difficult to work with. Questions about missing checks, which they show as "paid" but which never arrived, have taken hours on hold with no documentation forthcoming. Bill Pay appears to be a quagmire that Navy Federal cannot penetrate.


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In all of my years as a c.card holder and currently 12 major cards, NFCU by far is the worst. When it comes to protecting their cardholder they offer almost none. On several occasions it has been my experience that they require the cardholder to summit unrealistic proof for dispute whereas other companies will normally credit the customer until or unless the merchant in question prove their counterclaim. On this last claim four different dispute agents failed to read previous notes which added to frustrations and difficulties to follow up and resolve... SMH.


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Navy Federal helped me obtain a joint checking account. I am a U.S Veteran who lives in the UK. Wells Fargo made me lose my checking account since I couldn't provide a U.S address. Navy Federal appreciate its Veterans, unlike Wells Fargo. Two thumbs up for their customer service!


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For the first time in years received a paper payroll check and deposited that check at my local NF ATM. I called days later to see why the full check had not been deposited. To my surprise, I was told a 5 business day hold was on my check b/c it 'looked like it wouldn't clear'. Called my employer, found out that was not true. They offered to provide verification if NF would call them. Then I contacted my coworkers. Everyone in the building had their money except the 3 of us who had Navy Federal. Also found out from another employee who deposited their check days after I deposited mine, they had received their money *the same day*. Their check was more money than mine. How is that possible. Called NF back, no explanation for any of this, just stonewalling. In addition to this, they refused to call my employer to verify the check. This is the poorest service I have ever received from a bank or credit union. NF you just lost a long term customer.


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FIRST AND FOREMOST MY HUSBAND IS A 100% DISABLED VETERAN WITH DIRECT DEPOSIT FOR THE LAST 8 YEARS. So it went without question that we recommended them to our daughter when she was ready to purchase her first vehicle on her own. They FLAT OUT denied her when she has near perfect credit. She turn right around and apply with another institution and was approved for over $60,000. Then my husband applied for a platinum Visa with well over a six and a half figure income to only be told they need 2-3 days to make their decision on whether or not do even approve him.  


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WILL NOT RELEASE FUNDS OR SPEAK TO A MANAGER TODAY. I unfortunately do not have the luxury of direct deposit with my employer. Manual Paychecks are released at 4:30pm on payday. My last payday was Friday, March 25, 2022. That day I purchased a newer vehicle at a dealership and received the loan through this bank. It took well over an additional one hour on the phone and well over a half an hour in a local branch to complete this after receiving a preapproval. 


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Not sure what the problem is but they gave my husband grief over adding me to his account. Like I'm not his wife. Like I'm not also a U.S. Army combat veteran. Then to make matters worse, when I click for login help they act like they didn't give me a debit card. I used my birthdate and social to try to get logged in and was denied. I tried my husband's birthdate and social and was denied. When I finally got logged in using the credit card info and his birthdate and social all I could do was change his password. I Don't Want To Change His Password! I Want Access To My Account!


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My family and I have banked at Navy Federal for over a decade. My partner and I decided to make a big jump to try and purchase our first new home, and were excited to include our bank in the pre-approval process. With excellent credit scores, and high six figure incomes, our only concerns were with debt-to-income ratios due to student loans. After getting underwritten pre-approval with 3 other lenders, Navy Federal's loan representative was too busy to talk, incompetent, and unprofessional in handling our loan file. 


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I have a credit score over 700. My transparency on this matter is crystal. I have had issues with Navy Federal Credit Union dating back to 2008 and 2009 while deployed to Iraq. NFCU failed to uphold a portion of a contractual agreement. I was forced to pay hardship insurance on my credit card. An additional interest on the balance to cover your expenses incase of a hardship. My ex-wife files for divorce while I'm deployed. NFCU denies my hardship request lying and saying the request has to go through an outside agency. I contact the other company and was told no, I am to go through NFCU. They are the institution that receives payment. NFCU lies and say I denied coverage. As a ** man in America in 2008 and 2009 timeframe there is no denying anything that would fatten the corporate world pockets. Not to mention no factual documents can be generated by navy federal. 


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Here's the bottom-line of their game: "Lock" you into a rate for 30 days. Drag their feet with requiring the same forms be submitted multiple times, contact by several people besides your mortgage broker, "just one more thing" questions along every step of the process. Then, after running out the clock, "offer" you the benefit of purchasing an extension of your rate lock to continue the process. I've refinanced a couple of times, never with Navy Federal. They were, by far, the worst. I felt like, as a veteran, I'd be treated fairly and respectfully. I was wrong. I can't believe Navy Federal runs a scam. Amazing.


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Conditionally approved for a line of credit, charged $570 for an appraisal, the appraisal was more than needed, 4 months later the line of credit was denied for making a few small purchases with a credit card. They are either woefully inept or predatory. They lost my paperwork 3 times, promised an answer in 30 days, took four months. Horrible company, stay away.


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UPDATE 2: After spending an hour on the phone with them this morning, I asked for a callback. I gave them specific times when I was available. A "Susan" called me 5 minutes before I had to go into a meeting. She promised to call back this evening and didn't. NFCU is pretty much saying: Go bank somewhere else. I'm happy to oblige.


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NFCU calls itself a credit union, but they act like a big bank too big to fail. Their customer service is awful. I had recently moved and was trying to set up deferments on my accounts for the period of my move transferring from a foreign country back to the United States. I was one day late on posting a payment on my signature loan and I was blocked from entering my account. I set up a payment to pay the loan immediately. (First I would like to say, I set up to wire transfer $1000 from Fidelity that should have been deposited the day before, so I could pay my loan and the Navy Credit Union decline the wire transfer, please explain that logic to me.)


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I was told I could open a new account because my old account which was in the negative for over 10 years was dormant and I was allowed to open a new checking and savings account. I was excited that I had the chance to get a account again with Navy Federal Credit Union. So, I was told I had to fund my new accounts and I did, then I deposited more money in both accounts. When I tried using my card to pay a bill my card was declined, so I call navy federal and was told the account was opened in error and I told the representative that the money deposited was for my current light bill and water bill and that I would be down to the branch to withdraw the funds. So, before I had that chance to withdraw the funds my accounts had 0 balance and I was told that money was transferred and adjusted to that account I had 10 years ago. 


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My son zelled me $100 and they shut my account and my debit card off. They also shut my Zelle and did not restore it. I was on the phone for over 4 hours all together and 2 hours of that time ON HOLD!


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I always try to make extra payments to decrease interest. Payments come out of checking immediately but never post to loan for at least 24 hrs (or 72 on weekends). Pretty sure computers transfer ASAP.


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Unfortunately, they lack customer care. Applied for a VA mortgage-took a week. Called, reply was email. USAA approved, they didn't. They also had "VA required" for a "nearest family member not living with you." Utter garbage, USAA and Rocket Mortgage -- "not required by VA". I checked the VA website and it is not mandatory. Navy Fed reminds me of the old school banks who are grossly concerned with their bottom line, the most restrictive requirements to get a loan, and little to have rates that are comparable.


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I will leave separate reviews for other aspects of banking with NFCU but when it comes to business accounts, they're absolutely incompetent. In summary, NFCU is a community credit union that wants to be as powerful as a large financial institution but seemingly does not have a strategy other than "raise rates, nickel and dime". When it comes to Business banking, they're just clueless. They took their personal banking square peg and just shoved it through the round hole of business banking. It's like a cheap fast-food franchise trying to offer an elevated dining experience. It simply does not work. There is no dedicated team of representatives to talk to on the phone and the situation is even worse at the branches. 


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My mortgage payment is due on the first of each month and I received a call on the 4th asking when my payment will be made and will I pay today. I explained that I have had this mortgage going on 3 years and never late once so why are you calling me when it is not late until the 16th of the month and the payment she called about was paid so she explained that she didn't have up to date info this has never happened before and I made it known that this is very disrespectful and I expect it to never happen again. My payments have always been on time and I am appalled that this happened.


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This credit union has a creed about their customers first. I can say this is not true. I was an USAA members switched to Navy Federal Credit Union, had nothing but problems from the start. Set up a direct deposit from my money from VA benefits. Would not let me take any money out even with a military ID and driver's licenses. I had to go home and get a paper bill to prove I live at this address. Which I did when I set up the account, I just wanted my money. Then they locked me out from the online part, still to this day two months now I still can't get online. I keep calling and they tell me they're working on it. YES, I will be closing soon.


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I have been with them for 25 years but that is soon to end. After 3 attempts to do a mortgage they did not do any of them, because they can't even compete at a basic customer service level with any major or minor lender. They won't get back with you, they are inexperienced and they do not follow up. The last straw is when they refused to process a wire transfer to close on a loan, because they have exceedingly ridiculous internal controls that defy all logic and reason when it comes to service, but at least they are protecting me from wire fraud. When I am only dealing with another major bank and a title company. This company has really gotten to be one of the worst customer service in the banking industry no matter the type. Their hold times are ridiculous for a CU that specializes (or used to) in remote banking.


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I used the NFCU to refinance my house in June of 2021, and it is for a term of only ten years. The amount included monthly was for principal, interest, with escrow for insurance and taxes. Upon this refinance action I notified my long term insurance company, State Farm that their automatic deduction for homeowners insurance payments would be no longer necessary as NFCU would be paying it from escrow. The State Farm agent adjusted the automatic withdrawal to now accommodate six policies on my account instead of seven.


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I’m a longtime Navy Fed customer and have all of my personal and business accounts with them, running about 1M through them annually. We are moving to a new state and I’m self employed so I expected a through examination when asking for a conventional mortgage. We own our current residence outright, credit scores well above 800, zero debt, a decade of high income earning and new home was to be a similar price. We were approved in September but ended up backing out of that home purchase after an inspection found significant issues and the seller wouldn’t budge so we found a new home, did another application, paid for another credit check and appraisal and were over a week in to escrow. We made the 1400 mile trip out there and back to inspect the home and all was good to go until we got a call stating our application has been denied because I’m self employed. 


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Sandra went above and beyond to make sure 1. My rent check was processed. (wonderful service, thank you) She also in detail explained your bill pay service and convinced me to give it a try. In general, Navy Federal Credit Union ROCKS. Y'all are wonderful and will be my family bank as long as possible. Thank you for your service and dedication.


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I have been a member of NF for 3 years now. For Checking and Savings accounts they are amazing, but for purchasing a home, PLEASE LOOK ELSEWHERE, it's not their strength. I applied with them twice, the first time, I had to wait for over two weeks just to get a response, then once they finally called me back, I was told "I was approved" then after transferring me, I was told "I'm sorry, you're not approved." I applied again, and was told after a month I was not approved. I decided to go with another lender, got approved, went through the process and closed before 30 days. That was at the end of August of 2021, now it's October of 2021 and I just received a call from NF asking if I want to proceed with my mortgage loan... really?


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So my account had a negative balance after I withdrew money at a 7/11 due to me trying to make ends meet. Now I have to pay the whole amount of what I needed and took (the ATM fee, and the overdraft fee). Got an email saying they added funds in my account to get it out of the negative so that I would have full access to my child tax funds. It also said that I will now have to pay the same amount by a certain deadline. I called to get more information and hopefully to settle thing, but was let down. They told me that I had to pay back the same amount that they put in to match the negative in my account, that I withdrew, that THEY had already deducted from my child tax deposit credit. Smh. This is SCAM on a whole other level. So you’re telling me that you already deducted the amount from my child tax, and I still gotta pay you the same amount??? This is beyond ridiculous. 


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I have been trying to set up a biz acct. Lori, Karen and everyone on the biz side refuse to set this up on the grounds that it is "high risk," yet, I was able to have a personal acct w/ them and do it anyway. (The only difference being that I am trying to get tax deductions through a biz.) I've been accused of trading bitcoin, being a brokerage firm (and all other kinds of terminology that these slow bankers don't know) to justify denying me this biz acct. I never told them I was trading crypto (and even if I was, they wouldn't know because it doesn't go through them.). They say that there are G-14 classified documents that I can't see. 


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So I ordered a gift card on September 7, 2021. I was told it would take up to 10 business days. I called them on the 21st to tell them it never came in the mail. They said they could not investigate what happened because they need the card number. How can I give them the card number when I never got it?! So I contacted another department. They said they would open an investigation. Meanwhile, they would give me the 100.00 in my account provisionally. Here it is Oct 17th. No money in my account and no gift card. I called and they have no note on the case or updates. They claim that they never promised the provisional money either. And that it could take 180 days to investigate!!! 6 months!!! Terrible service and they are incompetent. I will be closing my acct tomorrow.


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We were excited to purchase our first home with Navy Federal. The rates seemed very good and online reviews from sites like NerdWallet rated the credit union highly. We should have looked at customer reviews of their mortgages, as I guess they are notorious for poor customer service and delays in this area. Our personal customer service experience fell short twice. The first time, our home builder killed himself, terminating our purchase contract. Navy Federal refused to refund our $1200 rate lock for weeks until they finally understood our purchase contract was void (several frustrated calls and emails later). 


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I am currently awaiting a decision on a claim. Navy Federal stated they needed additional info on 9/30 so I went in 10/2 to a branch to give more information. Up until today 10/12 there had been no update about the information I relayed at location. I spoke to rep named Supv Heather this morning who told me there was a policy about verbal communication not being accepted for claims but could not provide a single reference. I am tired of opening a claim watching my account in negative while Navy Federal does nothing. Bad for business and bad for financial health. I didn't get a follow up about my dispute in secure message until after I called to follow up. The audacity of it all. I gave them a case # the company gave me for all the documentation and they still asking me for more proof. Just horrible and arrogant and it's time to move my money.


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I recently opened a personal checking and savings AND a business checking and savings. This is not my first business, but I didn't want to use a big bank this time, and expected quality customer service and more of a small town bank feel. Unfortunately, that has not been my experience at all. Opening the business account was a headache, because they essentially make you do it online, not in the branch. I immediately had issues completing the account opening and accessing the accounts online. I was then told that deposited checks would be held for anywhere from 2-5 days for the first 30 days, but then they wouldn't be once the account was more established, which I found acceptable. The problem came after that point, when the local branch would always put a 2 day hold (not what I was initially told, but I can handle that, so no big deal) and then their back office would extend that hold without any notice.


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It took 90 days to receive a decision. Loan Officer Andrew, BEWARE! Andrew attempted to charge me $600 for 2nd visit appraisal. Had to speak with supervisor to get correct cost $175. Andrew is unpleasant, poor customer service and unresponsive. Experience reminded me of stories told about lenders who discriminate in ** cities and neighborhoods. Supervisor took responsibility for appraisal cost scam then tried to give lower rate to smooth over incident. Then denied loan for LTV. This is a home without a mortgage or liens. Recently remodeled. The entire interaction with Navy Federal is suspect.


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The Credit Union took money from my rent checking account for a late credit card payment. As soon as I saw the account was short $132, I called to talk to a representative that reassured me twice that the funds would be reverted back the same day. I check my account today and noticed a return check fee, part of the rent money still in the account, and to make matters worse the property manager pulled up while I am on the phone with a representative. I am livid about how I had to hold for 25 mins for their mistake.


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Many years ago, I really loved Navy Federal Credit Union. I recently decided to leave big banking and take 2 very large accounts back to them. I am no longer active duty, but a veteran who was actually proud to be returning to do business with them. There is no way to express just how completely stunned, and disappointed at my experience over the last few months. I have not had a working account yet, all due to things that hsv3 been completely out of my control, and through no fault of Chase, which is one of the banks I was transferring from.


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Third VA loan with NFCU. Husband is retired military, 22 years, a member of NFCU for 36 years. This loan application has been a nightmare. They keep making mistakes, passing the buck to another person, then moving the goalposts, then blaming us. We’re three weeks past the original closing date. Supposed to clear today, then nothing. Crickets. Horrible experience.


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I opened a business account with Navy Federal 5 months ago. It has been the worst experience of my life for owning a business. I am absolutely canceling my business with Navy Federal and opening with another bank. They put anywhere from 1 to 5 day holds on checks as small as $800. There's no way around it. You can't sign up for anything extra or change anything or do anything. It doesn't matter how good the check is. It doesn't matter about anything. I'm trying to build my business without using credit and being beholden to some crappy Bank like Navy Federal. I don't want to owe them no 18% interest on credit that they ** give me. It's **.


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My wife and I want to use my VA housing loan and decided to use NFCU. We sent in the required $25 and a complete application to include uploading all required ID and proof of residency. One month and 4 phone calls they haven't.


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I have been a Realtor for over 20 years and NEVER have I EVER had such a horrible experience with a client getting to the closing table. Our closing date has been changed THREE times. Our loan officer has also been changed THREE times. I have NEVER talked to someone verbally. No one will return an email and I still don't have a direct contact for anyone. This is a nightmare! I had to google an 800 number to try and find out the status of this loan. BEWARE!! I still have no idea what's going on.


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I open up a Navy Federal Credit Union account on June 2021 and I applied and was approved and the security dept send me out a debit card and new account numbers. Within a month my funds!!! And my credit cards were frozen for fraud!!!! And the security dept is asking for documents over and over and I did what they told me to do. I sent my brother driver license and mine's because my brother banks with Navy Federal Credit Union but the security didn’t accept that document.


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I have been a Navy Federal customer almost my entire life. I've had checking, savings, credit cards, auto loan, you name it, and have had an amazing experience with these products and the bank's phenomenal customer service. Of course I, incredibly incorrectly, thought I would have my home loan with them. I applied for a mortgage pre-approval with them and the process was an absolute nightmare. I have great credit, a great paying job, and more than enough saved for a 20% down payment on a home in my price range. My issue was apparently my student loans and my debt to income ratio being too high because of a mandatory 1% imposed by the bank as my calculated payment amount, even though that was not even near my actual payment. 


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BEWARE!!! Worst experience EVER! It seemed not one person had a clue of what they were doing. We had 12 different people touching our loan and keep getting the same questions over and over. I almost ended up in the hospital with the stress level they put me through. They waited till the last minute (60 day in and 2 days till close date) to even start asking for things. They will NEVER call you back and if you receive an email then you're a lucky one! Alexis ** was the processor, it was like talking to a cactus. Zero care at all for you, you are a number. Horrible!


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I have banked with NFCU for over 15 years and they no longer take care of their customers.. I recently sold my house that was financed through Navy Fed and deposited a certified check from community bank I put in my account.. I called four times before depositing the check and was told 4 times I would have my money within 2 business days and after the check was deposited they put a 9 day hold on my check and I now don’t have access to my money.


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Wait six Months for refinancing my home. Eventually, I End up withdrawing the application. Then, I apply for a mortgage pre-approval letter to buy a house then they cancel the application because I requested as per the customer service agent. But I never sent an email asking that. The agent scream at me over the phone, saying that I did that. Lately, it has become the worst bank. Maybe Everyone is overwork.


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Navy Federal's Advertisements state that it is a resource for Veterans and their families But, it seems to cause more harm than good. I started my loan process back in March. I was very proactive asking what else do I need to do. I don't want to lose a home because my paperwork can't get completed in time. I finally got a contact accepted in June. Well needless to say the Mortgage loan officer was unresponsive and unprofessional. I sent an email and called asking for her to call me and after 2 years she called. I emailed her supervisor and he responded after I posted a message about the situation on social media. He supported and made excuses for her responses, rather than apologize for situation. She proceeded to say that I would not be able to close for 35 to 60 days.


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Navy Federal looks appealing upfront, They suck you in with attractive rates and low fees, but don't let that fool you. I'm in the middle of a new home purchase loan and the process at NFCU is atrocious. My closing date has been changed twice, and they want to push it again. I am in jeopardy of losing the home altogether. There is very little communication from them....I call, email, leave voice messages and get nothing in return until right before a deadline. I was in limbo for three weeks and was eventually told my loan processor quit and my file was misplaced. Really?


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Representatives are knowledgeable, always willing to work with you to resolve any issues. I've been with Navy Federal for years, and I plan to stick with them as long as possible as long as I keep receiving the awesome service that I have been getting.


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I just love Navy Federal because of the professionalism of all the associates. They are helpful and have a great understanding for all your banking needs. Whenever I called their response is right on it.


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I have been a NFCU member now for over 20 years and cannot say enough about how wonderful they have been. Just recently someone had gotten my credit card information and was charging stuff left and right on my account but thank God NFCU noticed the charges way before I did and placed a stop on all charges to my account and then contacted me to let me know. I have since gotten a new card and was not responsible for any of the charges that were made on my account.  I am just so thankful for the great work the NFCU representative did to get me all set up with my new card and assure me everything was good to go and all the charges were cleared against me. I just cannot say how The NFCU team has brought me peace of mind. I recommend them to everyone.


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Navy Federal is the best financial institution. Their products are great and low interest. They treat their members like gold. Their dispute process is great! The staff is great. They offer great services!


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I have been a member of the NFCU for over 40 years and they have always provided the most professional and wonderful service. With facilities worldwide and stateside I could not ask for a better bank.


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I have been a member of NFCU for over 40 years and have always experienced fast, friendly and responsive financial service whether in country or internationally. I highly recommend joining NFCU if you're in need of a financial institution and are eligible.


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The process of transferring money through Zelle is extremely slow. I have had a problem where the person is transferring me funds from their bank (Chase) to Navy Federal Credit Union through Zelle and I did not receive my funds until 3-4 business days later. That is ridiculous!


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I would have given them a 10 as that is how great the CU is...They are seriously geared towards customer service and their members are number one. I have been with them for 6 years now and I am so glad I switched of crappy BOA. BOA doesn't give one rat's butt about their customers. Navy Federal goes out of their way to make sure you are happy and well taken care of.


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Always offering special rates on loans and CDs. Very helpful with any banking problems that you may have. 24 hour phone service with live representatives who are very knowledgeable and able to immediately handle your problem


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I like that they have fingerprint and face recognition when signing on and dual layer protection when signing on with other devices like my tablet/computer. It gives me added assurance when I log in. If I know a pending deposit is waiting to post I can go to their online calendar to see what day it's going to post to my account. Everything I need is easy to navigate to on the app and online. I'm a very satisfied customer of Navy Federal...they helped me with guidance to help build my credit and my rep offered to let me call him during that time with questions, which I did a couple of times. So glad I found them!


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I called to dispute an unauthorized charge on my debit card and they wouldn’t do anything about it. The rep went so far as to tell me that fraud charges are acceptable even though my debit card was set to frozen.


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After years of membership with NFCU, I have a DDA and Credit Card with a generally high credit limit of $20K and $6k credit cards and a high balance of DDA accounts. On 05/07/2021, NFCU decides to close all my accounts without any problems and refuse to pay out my DDA accounts available funds of about $50K. Lawsuits have been filed already. The financial institutions decide to take your money and keep it. I AM NOT RECOMMENDING TO ESTABLISH A RELATIONSHIP WITH THEM. If anyone has a similar problem and try to do something contact me. I am working on the class actions lawsuits as well. Furthermore, if you do your research against NFCU in the Court System, you find multiple cases against them.


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I was preapproved by them 2 months prior to paying to travel to another state to check out houses. Found a house within my preapproval amount and came to a buyer's agreement. Paid to have an inspection done on the house. All information and documentation was provided every step of the way to the bank. My loan officer would not contact me regardless how many times I called, emailed or texted. I requested a new loan officer based on that. 2 weeks after I requested a new loan officer (no follow up call from the bank) I received a letter stating I was denied the loan. It was originally approved over 2 months ago. I am very upset with how poorly their communication was and how they wasted my money, my time and the time and money of the realtor and the sellers of the house. I highly recommend, do NOT use them for your home loan.


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We were not pleased with the service. The customer service with the lender is not good. They say they will do something and don't. They say they will process the paperwork and then called back and asked for it again. They call and do not follow through with what they say. Very unprofessional. Would not recommend them to buy a home.


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I'm a ** disabled vet and been a member for around 5 yrs now. Initially when I tried to join Navy Federal Credit union, I was not approved. On my second attempt I got in and bought business from my wife and children. After awhile I was having financial problems, but still paying my bills on time. So I was forced to file bankruptcy in 2017. Before I filed for bankruptcy I tried to refinance my home to try and avoid bankruptcy with Navy Federal and was denied. I was very disappointed because I had a pretty good credit score. 


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I am a veteran and have been a loyal customer of NFCU, including have multiple mortgages and financial accounts with this lender. Until now. Shop around for other lenders. Not only is their system full of glitches (with results and recalculations happening all the time!). There is no process for internal communication, so that you cannot talk to one representative who will give you a consistent answer. A straightforward refinancing for a single family home with a mortgage currently managed by NFCU took six full months along with so many mistakes. Even the Title Company suffered from all of the mistakes and incompetence. PLEASE shop around. This is not the competent credit union it once was.


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I purchased my house through Navy Federal and had an irritating time the first time and thought that it may have just been the loan officer I worked with. Decided to refinance for a lower rate and it’s still lousy communication. Unless you have a Branch close to you where you can physically go speak to them I would avoid financing with Navy Federal. I don’t usually leave reviews but hopefully this helps some other first time homeowners avoid the hassle of dealing with loan officers that have no interest in actually helping you through the mortgage process


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Been with them since the military for over 10+ years. Got most of my mortgages needs through them every time I needed to get one. Pre-covid they were awesome. But now.... I don't even know where to start, from the lack of communication that spans for 4 weeks before I get any reply to the 4+ month of delays on the refi. Let me clarify, they literally have a perfect, nothing missing, loan documents for the refi application and I got the pre approval to move forward. Got everything done including the appraisal and inspection 3 months ago. All throughout the application process I get maybe 4 response from them, rest of my email are ignore for months.. I should've came on here before I apply for the refi, could've gone to a local credit union and have a way better experience than this.


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Rates may be good. But the customer service is horrible. It takes a week to get a call back. The only time that I received a call is when after about a week, I will did the application again. Got a new loan officer, then the Prior one, would realize that they are not going to get my business. The customer service agents that connect you with the loan officers are nice, and try hard to solve problems. But, I don’t know if the actual loan officers, are contracted or what, but they need proper service skills. For her privacy, I’m not putting her full name, but R. ** was so rude on the phone. I decided to go with a whole different company.


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I would not recommend to go with NFCU for your mortgage needs. They cost us a lot of money and time. They made good promises for about 5 weeks and then deny the mortgage at the time we could not get our deposit back and left us no time to shop anywhere else. So we lost the house we want to buy, lots of time and a large deposit.


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Military spouse who is self employed. We were pre-approved and went forward with the process of buying a house. We provided every document they could have needed to show income but they acted like I lied and only made 1/3 of what I actually bring in each month. The underwriter clearly didn’t look at the numerous documents we provided. Bye NFCU. I’ll be moving both my personal and business accounts from you too. Sad, I figured my own bank would have taken care of us better. Going with another lender now who knows what they are looking at.


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I had the intention to refinance my home to pay for a heating and air conditioning unit. NFCU insisted it would not be a problem. After 4 months of being ignored, the lack of communication and professionalism inadvertently lead to the fail of my refinance. They really dropped the ball. I have great credit and a good source of income, there was no reason for this to take so long and and for it to fail. I will not be giving them a second chance and I will be closing my account with them.


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Navy Federal claimed my account had been compromised. Not true! They froze my account and made it impossible to re-open by setting unattainable verification tasks. It's not humanly possible to jump through that many hoops.


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I recently opened a account with NFCU. I tried to use my debit card and it declined. So I looked online to see what was going on only to receive a message stating, "Please call this number. You only have access to statements." I called and was transferred to the security department after waiting for about an hour. The rep asked me a few questions like why do I live in Arkansas and work in Tennessee. I told her all of my jobs were in Tennessee. Tennessee is the neighboring city to where I live and why should that matter. Then she wouldn't give me a reason.


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NFCU is a racist organization that falsely claimed a lower credit fico score than it is. Their racist loan questions are a violation of the fair housing act. Their credit score was 80 plus points below what we were actually looking at while talking to an incompetent loan officer. Their questions about race are illegal as I am a licensed RE broker and violation of Federal law.


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We took out our mortgage with NFCU in 2017, and had nothing but good to say about them. But tried to refinance in 2020 and everything has changed. Believe the negative reviews, they hold you up and there is no way of getting in contact with real people. Just look around their site. Try to find a place where there is a phone number to a human or an email address. It doesn’t change after you apply. You are left in the dark waiting on information from people you have no way to contact. PreCOVID you could walk in and talk to people, but since you can’t anymore, there is no accountability as they hide behind the excuse that the demand is high. We applied in mid November and in mid January have yet to receive a single email or phone call from our processor. I have a feeling we won’t end up finishing this refi with NFCU.


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Yesterday, while attempting to make a cash deposit at Navy Federal Credit Union located in Laurel Maryland, I experienced prejudice, intolerance and embarrassment. It was 38 degrees as I patiently waited in the entrance line forming down the sidewalk. The line moved fairly consistent so it wasn’t more than 5 to 10 minutes before I was invited to walk in.


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Great folks to work with, always willing to help. Whole process is extremely easy, from start to finish. Repayment plans more than flexible enough to meet my need in these ever changing times of uncertainty.


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I have been a Navy Federal customer for almost 20 years. They were my first and only choice when it came to a Home Loan. I wish I had believed the reviews here. Like most of the reviews when my Loan went to the Loan Processor everything went to hell. I started my application towards the end of May with a desired closing date of July 15th. Loan # **. I spoke with my Loan officer (Ronja **) on the phone, she was friendly, great and we received our Pre-Approval quickly. At first I went with the Realty Plus program that they offer, but we were not assigned a real estate agent until 2 weeks later, I missed out on making offers on all of the houses on our search except our last choice.


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Absolutely horrible experience. We trusted NFCU as we would trust our own military. In other words, we expected honesty, reliability, and for them to honor their word. We begin our refinance in September 2020, got approved, and submitted all requested documents via Home Squad (online). For weeks we sat in limbo with the message on the site remaining the same - our loan was “in review” and if anything else was needed, we would be notified. I reached out to our processor for updates via phone and email now and then, but remained in a holding pattern.


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Been a member since 1998. NFCU has always been great to me. Other than the pandemic, I don't know what happened. I started my mortgage refinance 4 months ago and haven't heard any responses to emails or phone calls since mid October. Our anticipated close date is quickly approaching but, like others have mentioned, I don't anticipate it happening on time. If it doesn't I will most likely cancel the whole thing and find another lender. I would recommend anyone else looking to refi their mortgage to look elsewhere also. I know others are still closing in 30 days according to friends that have refinanced in the past few months.


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I've noticed a lot of negative reviews regarding Navy Federal Credit Union home refinances. I wish I had read them before I started my loan. All the Negative Reviews are very true! Do not refinance your loan with them. They warn you that there will be delays but give you no time frame. I am in my 7th month and it's still not finished. And my loan is easy. My current loan is with them, I have an impeccable credit score with little debt and an enormous amount of home equity. Communication is extremely poor! You're just told that your loan is still being processed. Run, run from NFCU as fast as you can!!


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Two days ago I submitted an application to open up an account and it was approved. I then later learned from them that I opened a fraud account. I called the number given after waiting for 20 minutes. I was Advised that they would send me a form to file an appeal. First of all I am an honorable discharged Vietnam era Navy Vet. I am also retired (30) year state Probation/ Parole Officer. Although I am retired, I am also a bonafide business owner paying taxes. This organization would not even tell me what caused the problem. Do they really think I want to do business with them as a result of all this?


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Horrible customer service from this branch manager. I've had this account for 20 years and cashed the same check as direct deposit for 4 years. I call NFCU to let them know I need to deposit my check faster than the 2 day hold online. The representative says go to a branch for immediate available funds to cash my check. I drive 150 miles to the closest branch and the manager puts the same 2 day hold on my check as if I was online!! No exception for driving/living 150 miles away from nearest branch. My bills are being returned and NFCU is taking their fees out off my account but refuse to cash my paycheck!! Evil! They just want to make money off of veterans and active duty. As soon as, my check clears I am getting away from this company, I am taking my business elsewhere. "military friendly" company is A LIE! l. DO NOT USE NFCU. Go to your local CU. These guys are not pro-military.


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I have been a member of NFCU since 1995. I have never had 1 problem with them in 25 years. So this year 2020 I decided to give them a shot at a Refi using the VA IRRRL. I was told up front that the process would take at least 120 days due to the low interest rates and high volume of applications which I expected so I have kept that in mind throughout the process.


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NFCU has provided me with superb protection, all the way to sending me text messages and emails alerting me of questionable activity on my account and preventing anything that does not have my approval in real time.


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Navy Federal gave us an excellent rate, they worked with us to get everything done quickly as the seller was in a hurry due to having already purchased another home. Closing went smooth and seamless. They were available and able to answer any questions and concerns we had along the way. I was very pleased with the experience overall. Buying a home is a stressful experience, and they made it as stress free and seamless as anyone possibly could.


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Navy Federal credit union is horrible. Beware of them. I have an auto loan with them at a 2.89% rate. I decided to refinance it 7 months later to get the 1.79% rate that they advertised. They refused. Even though my income has increased and my credit score is very good, they refused. But remember, they were quick to loan me the money to purchase. They are also quick to refinance loans from other lenders as you can find on their website. I'm extremely disappointed. They claim they take care of veterans but really it isn't true. BEWARE OF NAVY FEDERAL CREDIT UNION. IF YOU HEAR OR SEE THEIR COMMERCIALS ANYWHERE, PLEASE RUN.


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I started my Mortgage refi with Navy Federal on March 11, 2020. I made an appointment at the branch and provided the documentation they required and it was scanned into their system. I have had a very positive experience with my banking there so I never thought the Mortgage experience would be any different! Problems started soon enough with HomeSquad (online where you can electronically sign your documents). It wasn't working in most cases and the system kept asking me to sign the same documents over and over. My first processor was nice enough but after a month I was transferred to someone else. Finally after 2 weeks she called me at 4:30 p.m.. She sounded incoherent and never faxed the papers I couldn't sign online. Another 2 weeks goes by and I am Very unhappy and I ask for another processor. After trying to deal with her I now realize that these processors don't know what they're doing!  


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I have been with Navy Federal for 5 years. I am very satisfied with my accounts, the customer service is outstanding and I’ve never had a problem when it comes to questions about my accounts. I highly recommend this credit union.


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NFCU is completely online, until you need help, then the incredible customer service crew takes charge! In one phone call, questions are answered, problems solved! They have branches near bases, I’ve never used one, ATMs are everywhere! Love it!


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I am a 20+ year member of Navy Federal Credit Union. I never review anything online but have been so rudely treated by the mortgage process at NFCU that I would not recommend it to my worst enemy. We had over 45+ days to close so this was not a rushed case. We submitted all paperwork within hours of it being requested and the process came down to the wire on their end and delayed multiple times which ended up with us homeless, but the worst part of it was the lack of communication over the process and disregard for what was happening. They never communicated any problems with the loan. They simply let it go past closing. Anyone will tell you this process in the best of cases causes more anxiety than one person should have to go through and with NFCU I feel like I lost more than 10-years of my life due to the amount of anxiety and stress. I suggest other lenders.


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International access (with a REAL PERSON) 24/7, and a HUGE selection of products and services! They have really GREAT rates for savings and loans, a large selection checking and savings accounts, multiple mortgage options, credit card options, certificates and IRAs, and lots of additional services, such as auto-buying programs, frequent promotional rates, financial counseling, and other personalized services. I've been with them for over 40 years, and they've always treated me well!


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With the world events that are occurring I do notice that depending on which day I go, I receive different levels of customer service. With certain door checkers I get treated in more concerned, while others are more hostile and can tell they are extremely uncomfortable being at work in the first place. Overall there is no such thing as perfect.


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Easy to open an account, great customer service. Access to many locations. Consideration for the current pandemic and its repercussions. Good Interest rate on loans and credit cards. Accommodations for the military personnel it serves.


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When I needed a second chance at getting my credit back together, Navy Federal gave me a chance. Because of this credit card I was also able to acquire another line of credit. I asked for an increase and it was granted as well. The customer service is great and 24hrs even during the Covid 19 pandemic. Hands down my best experience with any credit card I have ever had.


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I've been a member for over 30 years and they have always been there for me and my family. Be it checking, savings, car loans, mortgages, CDs or credit cards, the service has always been honest and good. I would recommend them for any military family.


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Have been a member of NFCU since 1966. No bank or other credit union can match them at any level. That includes interest rates, ease of doing business & no transaction fees. Banks charge for about everything. This CU is better by far!


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Applied for mortgage loan. Document upload site is called Homesquad. It rarely works properly. Upon telling loan officer about upload problems, rather than suggest a solution, he told me repeatedly to click a nonexistent button on the site, never grasping that the site doesn’t work. Finally emailed docs to loan officer. Beware the “float down” sales pitch, as NFCU rarely adjusts its rates unlike other banks. False advertising by loan officer regarding this minor detail. Communications are strained or nonexistent by the loan officer, processor, and even the Supervisor upon complaining. Finally, after repeated attempts by me my realtor and the sellers realtor to contact NFCU and ask for status updates due to the contractually obligated deadline that had passed, NFCU staff failed to provide any useful information and brushed it off. NEVER USE NFCU FOR A MORTGAGE LOAN!


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Mortgage process horrible, from start to finish. You can never get a hold of your loan officer. I get a pre-approval letter. I get a accepted offer, but backed out because of inspection. I got the price down 12,000 less than my pre-approval. I signed accepted offer & seller is asking for 1,000 earnest money. Loan Officer even asked for appraisal money the 1st time, now her supervisor tells me I'm disapproved? I'm waiting for the letter to why, meanwhile I'm supposed to close on the house in a week, and maybe reliable for the earnest money of 1,000 dollars. I should've went Veterans United!


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I've been a member since 2008. I never had any problems that was not solved promptly. My mortgage is with Navy Federal and I got a very good rate with no problems. The cashiers are courteous and friendly. Online banking is easy and customer service is great. I would recommend any eligible person to bank with Navy Federal.


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Every interaction with Navy Federal reps has been positive. Reps are well trained, professional and helpful. Navy Federal was willing to handle certain issues over the phone when my previous bank required an in-branch visit.


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The best C.U. there is! They offer ATM fee refunds up to $10 per month and have raised the ATM withdraw limit to $1000. Always thinking of their members. Easy to join and enjoy their benefits. When I opened a business account with them the assistant went out of her way to see that everything was just right for my particular situation.


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Navy Federal Credit Union has been a top rated institution since joining 3 yrs ago. I had a bank that charged me for everything, but Navy Federal Credit Union doesn't charge all of those fees. I'm really satisfied with their services.


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I have been with Navy Federal for 15 years. They have denied me a car loan, and given me personal loans at horrible rates. My credit rating is incredible, yet I can't help but notice one thing I keep getting flagged on: young account. 15 years old, YOUNG?? Finally, they blocked my car just because I was using Google pay. I am done with Navy Federal. They are just as abusive towards veterans as the VA.


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I sold my house and purchased a new home in April during this pandemic. My previous mortgage company was SunTrust and I decided to go with Navy Federal. I was little put off by all the reviews but it was a great experience and better than my previous one. Everything was done online, but I still had a great contact and follow up with the Navy Federal Team. Everyone followed up timely, provided great explanations, and guided me through the process. Even the underwriting team was wonderful which is not a typical experience. I cannot recommend them enough. The portal for loading and receiving documents is easy to understand and very detailed. The support was great and I even had follow up calls after hours. Definitely A+ effortless experience.


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We have 5 accounts with NFCU, personal, business, credit etc.. Went in to my local branch yesterday *Bel Air* after being shut in for 12 weeks, so it was a necessity, we are running a business... Long story short.. the door was locked, they didn't want us to come in, they let 1 person at a time.. I was asked what I wanted, and The response I got was "use the atm"! "Excuse me, no.. I need to come inside".. If you are this strict, how about state that on your website??? After all, even the grocery store lets 10 people in and have smiling faces, this lady acted like everyone is getting on her nerves.. It's our MONEY??? Last time I checked??!!


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Do not go to NFCU for mortgage loans!!! They advertise rate match but no one goes out of their way to get the rate matched! They use all sorts of excuses to explain why they failed as if they don't want your business. Go to Prosperity Mortgage instead, you will be glad you did!!!


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Highest rates, horrible customer service. As soon as I can get away from this company, I am taking my business elsewhere. I'm active duty, almost 14 years, never dealt with a "military friendly" company like this one. DO NOT USE NFCU. Go to your local CU. These guys are not pro-military.


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I applied for a credit card in January 2020 before all of this pandemic stuff start going on and I was shockingly approved for $9,700. 3 months later in April 2020 I got a email from NFCU saying that they were automatically raising my limit by $500 bringing my credit line to $10,200.The next month in May of 2020 I applied for a pandemic relief loan and was approved for $5,000 with a very good interest rate and option to pay back over 2 years. My credit is not that great 580 Equifax to 650 Transunion. I do have a recent bankruptcy from 4 years earlier in 2016 and they still approved me for everything above. I really like this credit union because they really try to satisfy the customer's needs, and thankfully to God at those times I was the customer whose needs they were meeting.


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I have been a client of this bank for about 5 years, I pay monthly all my bills and don't bother them. Covid-19 hit and I was laid off my job, I found another that paid about 80 percent less and am barely getting by with it. I called asking for an extension on my credit card for 200 dollars so I could pay my lights and get food for me and my child. They declined and declined a pandemic relief loan. I cried and begged them to help and they could have my full 300 dollar check come a week from now. They still declined. This is a bank who is denying assistance to starving, struggling members amid a pandemic they did not create. They do not care. They will not help.


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I should've known we were heading for trouble when the Buyer's loan officer began our conversation by telling me all the things her company couldn't or wouldn't do. "Our loans are taking a minimum of 60+ days to close!" she relayed from her script. "Thanks!" I replied. "I look forward to working with you too!" Back on February 20, 2020, one of my Seller clients (a nice active-duty Navy family) went under contract with some Buyers who also happened to be an active-duty military family. The Buyers were using a VA loan through Navy Federal Credit Union. Our transaction was scheduled to close by March 26th. We navigated through the home inspection, which revealed that the roof was at the end of its effective service life and needed replacement. Several qualified 3rd party contractors confirmed that assessment, and the Sellers agreed to have the roof replaced prior to closing.


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Take it from me! Do not ever do a overdraft or line of credit that they call it with Navy Federal. It is my fault but when you need money and help because you're down and out and struggling you have no choice but to go to a bank. I have been paying on this line of credit since I was 18 and today I am 27 years old. No matter how much you pay Navy Federal charges 71.25 for a finance charge which is ridiculous. To be honest I will never be able to pay this off unless I hit the lottery and that is the truth. 


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Due to Covid-19, I recently lost my job, withdrew my retirement account just to pay off the balance on the line of credit checking with NFCU and learned that NFCU only cares about charging their members interest during this unfortunate time. A customer service representative who handled the COVID-19 member assistance offered me to open another loan account with low interest. Unbelievable as we are not in this together since NFCU only cares about making their profits even when all of us are dealing with the horrible pandemic.


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First off, I see a lot of bad reviews for the mortgage process with NFCU. I also see some good reviews. I wanted to offer my experience that I went through before I completed my refinance on my home. It’s was not all good, but not all bad either, but in the long run I was happy and satisfied with what I received, which is why I gave a 5 star rating.


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How a company with 1 and a half stars overall on this site can get first 5 reviews on this site at a perfect 5 stars tells you a lot. The bad reviews are the same problems I had 2 plus years ago when I first signed up with them and applied for a HELOC, Home Equity Line of Credit. They still haven't learned or refuse to correct their mistakes and keep making them. A recent call confirmed they're the same horrible customer service when a Representative decided to argue with me over the phone. He wanted me to put my concerns in writing...I'm now doing so, but not for them as I'm supposed to be recorded. Doubt it. They are the worst credit union in the country and all you have to do is look up their reviews. Do it.


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The ABSOLUTE WORST EXPERIENCE with Navy Fed refinance/mortgage/loan department I could have possibly imagined. We started the refi process in October 2019 with a 60-90 expectation for completion. After 4 loan officers, several times resubmitting our paperwork because they kept losing or misplacing it, paying for an appraisal, paying for a termite inspection, two credit checks later because they took so long to process our loan that the first one had expired, so many phone calls with no response, waiting, waiting, waiting not to mention the lack of availability of the loan processing department to even discuss our refi....


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NF really hated their 1 customer, the military. I know this because when I deployed last year I had a crap experience with them. I contacted my lenders and every one of them adjusted my rate to be in compliance with the SCRA law except one. Yep, you guessed it, Navy Federal. I called them over 10 times and emailed them 23 times to correct but got no ones here during the entire deployment. When I did get them on the phone l, they said they were " seamoed" and didn't have enough help. 


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NFCU was outstanding! As a US Navy veteran, I was very pleased with the professionalism of the loan processor department. I and my wife filled out the paperwork according to their instructions-which they communicated very clearly and within a week we had a new mortgage. Much, Much better than TIAA Bank (which was terrible in my opinion)! NFCU offered better rates and less hassle!!


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I am always wary of negative reviews for any product or service. I will start by saying, I never write negative reviews - ever. I just went through a terrible experience with NFCU for a refinance and want to warn anyone else considering it. I have excellent credit. Have owned my home for 10 years with NFCU holding the mortgage. I have never missed a payment and have an excellent loan to income ratio. I applied in January 2020 for a refinance. Over the course of January - March I have been extremely frustrated with the communication or lack of from NFCU. NFCU uses 2 applications for their mortgages. HomeSquad and Document Delivery. These two applications do not talk to each other. They send conflicting information via emails on a daily basis. 


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No special offers to veterans. Not even a better interest rate of the loan, no different from other lenders though some lenders have better offers. Their customer service is as bad as their interest rates even with a good credit score.


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We used to have TIAA Bank as our mortgage lender. I didn't like them! Their system made it very difficult to pay the bill and communicate effectively with them. My husband served in the US Navy and when he contacted NFCU, they made things easier for me since he gives me the $$$, and I pay the bills. NFCU offered us a better rate and more professional service. We didn't even have to leave our home for the closing. The lawyer came to us!!


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It was the better of the two experiences I've had. Freedom Mortgage was the other experience, which was horrendous. When I went to refinance, I tried to use them first and they hung up on me the first time and didn't call me back when I left a message the second time. I can't wait to buy another house to use NFCU again.


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Nobody knows what to do, offering the absolute worst in customer service while doing it. Automatically doing things that were not authorized is what lead this company into class action lawsuits in the first place. My initial email message to NFCU was asking HOW to close my accounts, NOT telling Navy Federal to close my accounts....but they went ahead and did it without confirming anything with me. Didn't even verify my identity. Instead, they went ahead with whatever they felt like and cut a check to me - sending it to my old address. Just a nightmare to deal with. Reading is fundamental.


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I've been a member for over 30 years. Currently have a mortgage with NFCU. Purchasing a new construction and selling current home. Completed and submitted all required documents. Was unable to contact processor: "She's off today; She out of the office today; Leave a message." Went to a branch and they looked at me like I had a third eye. Very unplesant experience. Income over 100k, disapproved for new mortgage. Since then I have been approved by 2 different banks for the same mortgage. Closing soon on my new home with an excellent rate. It seems that NFCU, wants to laden you with junk debt; cars, personal loans etc. As soon as I close, I will pay off my credit card and vehicle and will not use them for my primary banking again. NFCU you've got to do better! Shame on you!


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20 years relationship is over. I start this by saying that in years past I have enjoyed many good seasons with Navy Federal, but the last few years have undone every good experience. My first problem occurred several years ago when I was selling my home. Mind you that I purchased that home in 2004 and made every payment on time except that final one which I had called and discussed with them. The house was in Florida and closing was put on hold for a hurricane passing through. Because all of the documents were awaiting signature, I told the representative that I was not posting that payment due to a sale in progress. They still tacked a delinquency on my credit. Mind you I weathered the housing market crash and pretty well took a breakeven deal to honor my commitment to them. 


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DO NOT USE NFCU FOR A MORTGAGE LOAN - REGARDLESS OF THE RATES!! I decided to apply for a mortgage refinance through NFCU due to their competitive rates. I started the process early November of 2019 with the understanding that it would take approximately 80 days to close (it sounded like a warning from one of the managers but I could wait for that period of time). We are beyond 90 days and I am still waiting to finalize what shouldn't be a complicated loan (excellent credit score and LTV).


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I am a veteran and joined with the intention of assuming an existing VA loan which was non-performing. After 10 weeks of different depts. I decided I would pay cash and the hell with Navy Federal and their complete incompetence. Absolutely the worst customer service and experience I have ever had at any financial institution. I have a 800+ credit score and the loan I was striving to assuming was non-performing. It seemed they would rather foreclose than have someone pay them on time.


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Every day you hear about banks being broken into left and right. It's not that the hackers are so clever that they can hack a system in a matter of time. It's the fact that banks like Navy Federal Credit spend close to nothing on securing your information. As a merchant, we received 2 credit cards that we knew were stolen. We contacted them in 1 week from the two attempts. So being responsible we contacted Navy Credit Union to report them as possible fraud, and navy federal credit union did nothing to stop the card from being used even though we were suspicious and knew it was fraud. They refused to at least contact the cardholder and ask them. They refused to put the card oh hold. Both times they gave us bs responses as if they dont care. 


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Please save your own time and skip NFCU for your mortgage. Attempting to complete a mortgage approval is insanely tedious. Does anyone even work in the Processing Department? At every turn they want you to do the work that they are supposed to be doing. My refinance completely stalled because they used my contact address in place of the refinance property address. This was a loan initially from NFCU!! They wanted every document again from the inspections, HOA, etc because the development wasn't approved for lending!? How can it be, you ask? It's as if this department is a completely isolated and independent contractor with no internal links to NFCU.


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The loan department at Navy Federal Credit Union is the worst ever. They lie to you and they treat you terrible. When they do make a mistake which is often they blame you for the mistake and then can't fix it and they act like they are doing you a favor by just doing their job. If you are looking for a credit union run from navy federal.


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I have banked with NFCU for 5 years and have never had an issue with their basic products such as checking, savings, and CDs. Their mortgage department is however an entirely different issue. It very well may be that I had a bad loan team assigned to me but from my experience the loan officer would take two weeks at the least to return my phone calls or emails. I would have to directly message her supervisor in order to get a response on documents that were never sent to me.


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Navy Federal Credit rep Caleb ** (800) 336-3767 x ** sent me a settlement offer dated November 30, 2019. I have been unemployed with no benefits for over a year and was unable to pay my credit card debt of $4900. ** offer was to settle the debt for around 12-hundred dollars to which I agreed. During this time my father died and left me an inheritance which I had moved into my Navy Federal Credit Union Savings account. Rather than honor the standing offer, ** took the full amount due from my account and was basically short and rude as to his motives.


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I have been a member of the Navy Fed for 50 and 1/2 years I was given an est of rates and terms on 7/21/19, at least 30 documents were submitted over a period of 4 months. I made several trips to the local branch where the local branch rep was friendly and helpful. I made the visits to make sure the loan officer got the documents she asked for to process. There were at least 3 times where we had to resend the documents. I called the loan officer and her supervisor at least 17 times and left messages to find out a status or find out if they needed any information. 


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I am a full time home renovator. I have been for over 15 years. I will no longer accept buyers who use Navy Federal as their lender. This is the 2nd deal to take more than 60 days to close, double the time of any other bank. Not to mention the constant and unnecessary drama. Both fell apart last minute. A surprise to the buyer and seller. The loan officer would not return calls, emails or text messages from the title company or sellers agent. COMPLETELY uncommunicative. The transaction cost me, the seller nearly 3K more and left the buyer homeless. Navy federal caused 4 contract extensions. Why, the lender was not ready despite having double the time other banks take. 


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NFCU's customer service from the Call Center is terrible. On 24 Dec 2019 I needed to help my dad to delete his monthly automatic transfer to me. My name isn't on his account and he speaks a very little English. In the past the representative first verifies name, birthday and last-4 with my dad, then speak to me after his permission, this process takes just few minutes. When I made the first call and the phone was on speaker with my dad sat next to me. I stated this issue right away. The representative Sarah immediately refuses to speak to me, knowing I'm also the member of NFCU, she then started very arrogantly speak to my dad with tons of English plus complicated grammar, instead just a simple ask "what is your name Sir....." What an ignorant move. Of course my dad didn't understood her English, she then took her a long while to finally found an interpreter. 


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I was attracted to Navy Federal’s 3.45% 12 month CD, so I decided to apply for membership. I applied online. Two days later, I received an email requesting documentation to prove my identity. The email had a secure link that offered I could upload the documents and send them to Navy Federal. I sent them a color copy of my U.S. Passport, a copy of my SOFA Card (I am currently working abroad on base), my most current paystub proving I qualify for membership, an envelope from my bank on base here showing my APO address, my U.S. Forces Certificate of License, my OR state Driver’s License, my marriage license to prove a name change, even though my name had already been changed with the Social Security Administration before I left the States, my new last name was on all my documents and they all matched. But it still was not good enough for Navy Federal. 


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I have been with Navy Federal Credit Union for Over 35 years. Credit card is great! Prior dealings With mortgage loans were good 2001. This last time was terrible. Applied in late May for a refinance. I have a 840 credit score with little debt ratio. Should be a easy loan. They told me that they were experiencing high volume of applications and that my Loan should take 60 days. No problem for me. I can wait 60 days. Well. 100 days later I was still waiting. I was told my processor had a family emergency. With took 14 days. Later I was told my processor had A hard time verifying my employment. So I called and got instructions for her, letting her know she had to ask to be transferred to Human Resources and from there they will verify my employment. Another 30 days passed and she was still stuck on the same step. 


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I was skeptical at first to move my money from one bank to a new one, but I am glad I did! The Customer Service, which is what I was lacking at my previous bank has been phenomenal. Whether I am calling or visiting a branch, the customer service has been amazing. I have had some credit issues and struggles and I decided one night I was up late to apply for a CC and I shouted so loud when I found out I was approved with a big credit limit. They do believe in 2nd chances and I will sure treasure this opportunity and not mess it up.


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Applied to refinance in September 2019 and could never get in contact with Angela **, my loan officer nor her supervisor. Jason from the Vienna, VA office attempted to answer general questions but specific questions needed to be addressed by Angela who never responds. I decided to go with the HELOC on November 19th and spoke with Lionel in the Vienna, VA office. I had been attempting to follow up with a status since then and I finally got in touch with him today and he informed me that my HELOC process has not started!! You HAVE TO BE KIDDING ME!! This is how an Agency geared to serve VETS treat their customers?!?!


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I was planning to provide a review after our loan process was complete, but cannot wait any longer to write this review. I've had an NFCU account since I was 9 (both parents were in the Navy, plus other family members, I worked for the Navy so I am very, very pro Navy). My husband and I are fortunate enough to own our home. We are fortunate enough to have an opportunity to buy some land and the best route for financing the land seemed to be a home equity loan. We applied in October and uploaded more documents than I have ever had to give for a loan.  


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Like so many of the reviews I've read AFTER I started the refinance process through NavyFed, my experience dealing with them has been a nightmare. You can never get them on the phone, they do not return calls (not even the supervisors), they do not return emails, and you will NEVER know the status of your loan. One day we are given an interest rate of 3.75% and $7,500 in closing cost and the next interest rate of 4.99% and now $28,000 in closing cost! Our closing date came and went and still nothing from them. They do not seem to appreciate the customers they have or care to get new ones. We do all our banking through them and have been for over 19 years. Do yourself a favor and check out other companies that appreciate you and your business.


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I start my refinance on September 21 this year, no follow up at all... One email to let you know you have started the process and time frame. After that an automated email document request and expiration date follow for upload. This is the first time I try to get an answer, send email. No respond... Call. Nowhere to find my loan officer. Just leave a message. Try to lock the rate. I couldn't do that either nor confirmation if anyone got my email request. Very unusual!!! I request supervisor to see my case. I have been told someone will call, never got a call back. This guys so busy not to responded anything at all. 


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I opened a checking account in 1990. For 18 years, I thought they were the best financial institution in the world. Rates were better than others and great customer service. That has changed. When I speak to their customer service department about issues, I don't feel the same level of respect and the reps do not seem as knowledgeable. For example, I called to ask a specific type of mortgage. In order to get the information, I was told to fill out an application and pay a fee. I called back a few times after and finally got the answer I needed. With all of the new payment processing and electronic accounts, issues happen. I called about specific charges and I felt like I was a bother. If I call other places like AMEX or Capital One I feel like a valued customer. They do everything they can to keep you happy. That is the way NFCU use to be. That is no longer the case. Shameful.


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Never use this company for a VA home loan. I'm a Realtor with 13 years experience and over 500 transactions. This is by far the worst lender I've ever dealt with. They won't even communicate with their client (a veteran) much less keep me informed as how the transaction is going. NEVER USE!!


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I’ve read a lot of these reviews and I’m shocked! My family experience has been great! I constantly get alerts on my phone when a charge is made. My eDeposits are available immediately, customer service is super friendly. Why I stayed? I had (still do USAA for YEARS). 4 years after my bankruptcy they denied me getting a credit card so I can reestablish credit, & denied my loan for a mortgage (1st time buyer). Seems I'm only eligible to buy whatever products they’re selling. I’m only keeping USAA because my direct deposit is available early.


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821 Credit score. Applied for mortgage refinance last July and completed all paperworks at the same month. It is now Nov13 and still waiting for closing date. Telephone calls and emails are mostly ignored.


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NFCU is a predatory lender with sneaky and underhanded policies designed to lure veterans in to reach unachievable financial goals. My year old credit card has been paid on-time and over the minimum for 12 months. 12 months ago I was informed by a Supervisor that if I does just that my interest would be reduced to something more manageable. I currently am paying 17% APR and me and my wife are struggling to keep up with this payment because of the high interest. But nevertheless, we have been on-time and well over the minimum payment with both the credit card and the mortgage. 


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We started our refinance process in June. Turned In every paper/document they asked us for within a 24 hour period. Our agent would not return our calls without us including his manager on the email. They had no idea about solar loans or the subordination process with solar loans. Which I emailed to the agent. He ignored the documents and told us not to worry about that. It is now November and we still have not closed, nor will we. Because of their incompetence we are having to change lenders. They wasted 6 months of our time, charged us fees (that could’ve been avoided). Do yourself a favor and choose a different lender.


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I’ve read the prior reviews and my complaint is exactly the same. This is ridiculous. I had unauthorized transaction on my card. I called, waited 20 mins to speak to rep, just for her to say call the company first...I was confused but I didn’t want to any friction so called the company who said they would reverse and I also needed to wait for their email. Well I didn't see credit or email, which email not takes no days so I called my bank back to get the disputed going and credit since I just put the money in Navy Federal to cover car and rent..But the unauthorized fee that came out will make my car payment short.


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Unfortunately, this company does not always respect closing deadlines when their clients purchase a home. Not only does this affect their clients in a negative way, but it can potentially affect other people as well. Often times buyers have moving trucks lined up, other closings that can not close until their mortgage closes, etc.... It creates so much stress for so many people when lenders are disrespectful and refuse to honor closing dates. I truly hope I never have to work with your company again.


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I agree with the other previous reviews about the customer service and lack of communication. As a military veteran, I would excited to bank with a credit union designed to service military. Well, they do a very poor job of it. Just to open an account takes a great deal of work because their communication is completely inadequate. They provide wrong information and ask you to send sensitive information to emails and fax numbers that are apparently not working or monitored. I had a NFCU credit card, which I just closed, because of horrible policies and lack of customer service. I also disputed two transactions on my debit card and NFCU does not back you up like other credit unions or banks. Both transactions, which were not legit, went against me. Looking for another credit union....


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We started the process in September 2019 and as of October 24th I still can't get an answer on where we are. I have left messages and sent emails only to never hear from someone. I finally tweeted about them and wow somebody I guess monitors the tweeter universe. I have to echo all other complaints I am reading here, they never update you, return calls or let you know what's going on. WORST experience ever, and this is not my first rodeo. I would move on and not deal with these incompetent people. You will waste time and energy trying to get the process over.


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Updated on 11/21/2019: This is an update from my previous post on Oct 29, 2019. This has got to be this worst experience of my 52 year life. I wish I had never gone with them but now I am suck until the nightmare ends which now is 80 days. I can’t believe the constant problems I have with this company. It has now been over 90 days and they finally called (miracle) and told me the would close on 22 November 2019 but of course this is NFCU. The next day they called and said they have not gotten the title search back (it has only been 80 days)! If you make the biggest mistakes in your life on I mortgage like I did and go with them please don’t use their third party companies which are as bad as they are in mortgage. 


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10/28/2019 UPDATE. Well this just gets better and better. Thanks to NFCU and their complete lack of knowledge with the mortgage process I still haven't closed and now it will probably be November. The surprise today was that instead of getting money back at closing (around $19,000) that I would in fact own them money (to the tune of $17,000). The person "helping" me must have forgot to send me an updated loan estimate and sprung this surprise while awaiting clear to close status. Now they are fixing it so I don't owe money. Again don't do mortgage business with NFCU.


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Simply put, do NOT and I repeat DO NOT use NFCU for any mortgage services. THEY SUCK HORRIBLY. Their communication is non-existent and the people working in the lending department are the most incompetent group of people I have ever came across. I am not sure how they are allowed to even still operate with the way they do business. I would never recommend their services to anyone. Without going into a full long drawn out explanation of why you shouldn't use them, I will break it down into bullet points:


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Why is it so difficult to get a status update from the NFCU lending team? Thanks to a complete lack of communication on their part, our closing date has been delayed for an unknown period of time, and we still don't have an answer on when we can expect to close. We are incurring unexpected storage costs because our belongings were already being packed and loaded onto the moving truck before we ever received any notification that there would be a delay in closing. 


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With some extra money in hand, I was looking to open a CD account with a good interest rate. NFCU had the best rate that I could find, so I tried to open a share account as a preliminary step. That took nearly two weeks of back-and-forth, as they repeatedly rejected a photocopy of my U.S.passport, via unhelpful form email. I finally found out, from a customer service person that the reason for rejection was that they couldn't see all 4 corners of the passport in the photocopy. Honestly, it was less hassle to get my security clearance in the Navy. 


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The service with Navy Federal has gone down dramatically. I contacted them a few weeks ago to refinance my VA loan with an IRRRL (Interest Rate Reduction Refinance Loan), which is a VA refinance loan that does not require a credit or income check. So, what is the first thing Navy Federal does? They check my credit report! Then, they send me documents with completely outrageous and unrealistic terms. The recoupment period was 70 months, which means it won't even be guaranteed by the VA because it has to be 36 months or less. The Reps have no idea of Federal regulations and want to argue their ignorance about the subject!  Even supervisors don't return calls! I have my original VA loan with them and will move my loan elsewhere with more competent people as SOON AS POSSIBLE!!! My advice is to look elsewhere if you want your VA loan done correctly!


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For 17 days I tried to get in contact with my loan officer to increase the loan by $10,000 and make an offer on a home for sale. No response. No email, no phone calls. I made continual efforts to get in contact, and I finally received a response. The response came in the form of informing me my offer had expired, the day they informed me. It's as if Navy Federal is actively avoiding doing business with their customers when dealing with mortgages. I didn't know this was a common complaint or I would never have begun the process with them. I think it's more disrespectful to imply they care about veterans and their families with this level of service. 


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We had a set closing date. We had all of our paperwork in a week before our set closing date. Then we stopped hearing from our mortgage processing agent, Angela **. We emailed, our realtor emailed, the seller’s realtor emailed - nothing. Finally, the date after the day our closing should have been, she sent an update that said, "If underwriting processes is today then you’ll close in 3 days, if not, you’ll close in 5 days". We have busy schedules and a lease that is about to end. They put us in a very impractical situation and there’s really nothing we can do about it. I would give them negative stars if I could.


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I just went through the worst mortgage experience of a lifetime. NFCU process is a very redundant process. You will be asked the same questions over by a series of people that should take note and pass on information. After all, isn't the process about finding out if the inputted information is valid or not? After being a member for 35 plus years and owning 2 homes, I thought I would take the NFCU path. Even after being warned by people who had taken this route. They are not good with given specifics and you have to make contact constantly to stay in the loop. WORST, WORST experience ever as a retired vet. I WOULD NEVER EVER RECOMMEND NFCU TO ANYONE AGAIN!


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I am really disappointed with NFCU. Look elsewhere first before doing a mortgage with Navy Federal. #1 They advertise low interest rates but give you a higher rate on your loan. #2 and even worse, they string you along for 2 months or more and can't seem to complete the loan. Hey, if you are denying me, ok, or need something else like a condition, just let me know, BUT "NO"! They keep the loan open and will not communicate to let you know what is going on.


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First of all, I'll start off by saying ALL Credit Unions I've had are FAR AND AWAY SUPERIOR to ALL BANKS PERIOD. 7 Years ago I already have my accounts with San Diego County Credit Union for YEARS. Love them, very small local only bank, very friendly people, they're great. 3 years ago, NFCU opened a new Branch near me, my brother & Nephews all bank with NFCU & kept after me to open an account, but I didn't see the point, I was happy with SDCCU, why should I open another account with yet another bank? I also have an online only Capital One 360 account for the past 15 years.


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I have been a customer of Navy Federal for over 20 years and have had a mortgage, line of credit, credit and debit cards etc and maintain both checking and savings accounts with Navy Federal. My checking account and savings account balance at the time of this issue was approximately $36,000. My payments have NEVER been late in the past and are usually paid well before the due date.


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This isn't a question but more of a statement or complaint. We applied to refinance our home and came in to get our application started, some info had been taken incorrectly and we got an email from Jannet ** so we called her with some questions and we got very frustrated and jannet seemed confused as to what we wanted so she said she would call back. It has been over 2 weeks and we havent heard a word from anyone. I have emailed her with my displeasure and feel that she she could use some training in Customer service and follow up. I will be going on social media with this as well and recommending that people think twice before using NFCU for any loan. You have done us a disservice and although this probably will get swept under the rug, we will be ending our time with your bank as well as both of our kids that are currently serving.


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While I am happy with Navy Federal overall, they need people with better attitudes working in their bill pay department. Our account was closed because someone tried to steal from us and apparently, the bill pay section somehow wasn't included in the closing of the account. It wasn't mentioned at the time that we closed the account (last month) nor after (and I even had to call in to ask why the account was still showing up on my side. The agent even verified at that time that the account was closed smh). Today, I get a letter in the mail stating that we owe $50 to the bill pay part of the site. They covered the money for us (we didn't know any of this was even happening because we assumed that the entire account was closed and any dealings with it smh).


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I rehabbed a condo with my own personal funds from my IRA couple months ago. Every item in the house was replaced including the floors, kitchen, 3 bathrooms, washer & dryer, AC & heating unit, garage door & opener. The first appraisal came in and Navy underwriter was not happy with the results. They sent another appraiser out to appraise the condo. His appraisal came in higher than the first one which they decided not to use! Navy delayed our closing for 3 additional weeks sending home stats to the appraiser for him to reevaluate his information. The appraiser came back with the same amount so Navy decided not the fund the higher amount because they don't think the condo is worth that amount! As a Navy member, I'm disgusted, I feel their tactics and moral integrity are corrupted. This type of behavior by any financial institution should not be allowed...@navyfcu.org


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Beware of this place. They're highly touted among credit seekers with less than stellar credit but if you have decent to good credit they will hard pull you until your score is below average. I decided to open account here when my son went enlisted in the Marines. I applied for a checking line of credit and their platinum card. I was approved for both but ended up with 3 hard pulls for these 2 lines of credit. Mind you I applied for these lines of credit on the same day. 


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I have the screen shot of depositing $50 CASH in the day of and because it was an ATM deposit they NSF me $29 because I didn't GO INTO the bank!! The drive thru line wrapped around the building and the lobby was full. They are in line with BBT and Wells Fargo!


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I have been a member of NFCU for 26 years. I have conducted all of my major banking needs through NFCU to include, 3 mortgages, countless auto loans, equity loans and numerous other financial transactions. I would have given NFCU a 5 star rating up until about a year ago or so ago. I am not sure what is going on with the credit union, however, I can tell you my recent experiences have been horrible; customer service, communication, and processes have became a nightmare. 


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Called to receive help on a mistake they made and I was on the phone for 45 minutes. They did nothing to help the situation even after I asked to speak to the supervisor. I would not trust them with my money!


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I just want to say we loved Navy Federal Credit Union but the second we applied for a mortgage loan that love turned into hate!!! We are about 2.5 hours away from a home office so we mainly talked on the phone, sent emails then we need to send paperwork. As we start that process our loan guy started not answering our calls or emails. Thought we had everything l in next day we have the same list so we start sending it in. Come to find out they started a whole new loan!!!! Then they said ignore that so we have are relater said we had everything in but thing and that was getting done next week. Then tonight get a email saying all this freaking paperwork is missing again!!!! Not happy. Never again will I use Navy Federal if we lose this house because their communication is terrible!!!!


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First of all, let me just say that every other aspect of Navy FCU has been great. However, if you can go anywhere else for a mortgage, do it!!! The initial application process was handled online and went very smoothly. Sadly, once the human processor got involved, my life became a bloody hell. The processor NEVER ONCE communicated problems with the application. The processor NEVER ONCE answered her phone or returned my phone calls. The processor ONLY ONCE, sent an email apologizing for her lack of communication..., and that was over 6 weeks ago. 


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Myself and my grandmother opened a joint account within aforethought the possibility of using NF services for business transactions. Despite me being joint owner, authorized user and a POA for my 76 year grandmother they wrongfully flagged all our accounts for fraud and had us submit the same documents a dozen of times. They never grant access to management and fail to provide information over the phone. While our accounts remained frozen for a week, they cost us over a 100K because we could not transact as needed. Additionally, they forced my 76 year grandmother to drive 3 hours to the nearest branch to show her id. Can't believe it, a day where we have FB and Skype this institution did this to her. I have filed a BBB complaint, along with an AG complaint. I wouldn't refer a soul to NF from this day forward.


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Watch out for this mortgage lender and stay far away! They are unprofessional and do not communicate important information! Our closing on a home was delayed, because they gave less than 24 hour notice of missing items. The loan processor and supervisor did not return our phone calls or emails! Also did not respond to our agent or lawyer! Never experienced such poor service!


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Great Bank to deal with... Until you face difficulties. If you ever get laid off, get a reduction in hours, or need to modify your payment ability, you're in TROUBLE. Recently, a member of my household lost a job and later was hired somewhere else permanently. We advised the bank of the circumstances throughout the process. They assured us they'd help. Although they offered extensions, once those first paychecks came, they HAMMERED us. Multiple payments were immediately due back to back. Then they'd seize pocket change without permission. They refused to accommodate us in any way and almost crushed her ability to initially work. Because of this, USAA will be getting my NEXT car loan application. And probably more of my business from here on out once I'm caught up.


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I'm a licensed Realtor and have had to work with Navy Federal on a few occasions. They have never done a "good" job, but this current transaction is a nightmare. They missed thousands of dollars in the closing docs that could have cost my client's money. They are very difficult to reach and under educated regarding solutions to simple problems. Avoid them at all costs. This is my 3rd, and worst, experience. Hopefully, it's my last.


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NFCU does not have their act together. My husband and I applied for a joint account but they kept emailing wanting more docs for proof of address. We gave them everything on their approved list and more. I called to ask what the problem was and they refused to speak to me cause I wasn't my husband. I told them he's in the military and currently in the ME. They are a total joke.


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As a real estate professional, I will be apprehensive in the future to accept a loan through Navy Federal. Several clients have been extremely disappointed using them for a home loan-mortgage. The title says it all! They ask for repeat paperwork, they do not answer calls, they do not communicate with the client/buyer, nor the title co, atty offices, or the real estate broker/agent. Sub-par is an understatement. Frustrating and should be avoided unless you like guessing and waiting until last minute if the loan will close or not! There are much better choices of lenders out there. Veterans, do your homework before choosing this company! A whole lot of frustration, even if you have a shining high credit score. Shameful and disrespectful to our vets. Buyer/Mortgage shopper beware!


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As a realtor who works with dozens of mortgage lenders each year, I have to say that my recent transaction that closed today with Navy Federal Mortgage was one of the worst transactions I’ve experienced in 14 years. There was a complete lack of responsiveness and communication on the part of the loan originator, loan processor and management. The transaction was delayed more than once and the loan team didn’t seem to have any sense of urgency. Customer relations was pitiful. There are MANY great lenders who have loan products for veterans. Do yourself a service and utilize one of the other companies that actually care about meeting deadlines and taking care of their buyer clients.


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I joined NFCU in 1987. In my 32 years of using this credit union, this recent experience is the worst I've had dealing with "any" financial institution in my entire adult life. We applied for a mortgage refinance to pull cash out from our existing VA home loan. We applied for this loan on July 8, 2019. We just got an email letting us know we will close on September 6, 2019. Our first Mortgage processor was horrible at communication whether by phone or email. I had to call customer service several time to reach a supervisor before I got a response in the first two weeks from this processor. The assigned processor's poor customer service continued through the first month and was finally replaced after my last complaint by a more "seasoned" processor. With the new processor we had to resubmit several time-sensitive documents again, which further delayed the overall process. 


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My husband and I are members of Navy Federal Credit Union. We have sent them multiple times the attached SSA-89 form request by Navy Fed in conjunction with other documents. My husband online account has been blocked since July-29, we went to their office located on 2699 Roosevelt Blvd Clearwater, FL 33760, on August 3rd and provided 2 statements. 1 from Spectrum and the other from Sprint, we also provided evidence of driver's license, including the SSA-89 form which was signed on that same date. 


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Last month over 1,000.00 was taken from my checking account. While on the phone with the fraud department the operator informed me that at that very moment 4500.00 was being taken. Over the recorded line I told her that this was not authorized. She had my checking account closed and issued me a new checking account number. I filed a police report soon after. 10 days later I received an email from NFCU stating that my claim was denied after a thorough investigation and that I was responsible for the nearly 5500.00. I called the investigator, David, four times (and documented those times in my rebuttal letter) and never got a call back. I sent my IP address to them and I questioned whether this "thorough investigation" involved actually checking the sender's IP address as well as whether they listened to my voice conversation at the time of incident stating that the charges were fraudulent.


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As a military veteran, I have to say that I've enjoyed my banking time with both Navy Federal CU (NFCU) and USAA Bank for their online resources specific to a not-so-small segment of the population that is often misunderstood and stereotyped by the general population and by social media. We are also 2x as likely to have data breach incidents and identity theft than civilians, from independent studies. What both NFCU and USAA have provided me are less headaches, stress and anxiety, and stomach ulcers from banks and credit unions that "claim" they wish to honor service-members, retirees, dependents and survivors, and veterans. Most will say the same about emergency services and their sacrifices as well.


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Have been with Navy CU since 2013. We opened an account for our daughter before she joined college three weeks ago. We went to the main branch in Vienna, VA and provided original passport, SS card, University ID card and DoD orders. Our daughter was provided with an ATM debit card on the spot and was told that all was fine. When she tried to use the ATM card it was declined. We called them only to be told that we were missing an IRS form which we provided. Then the card was declined again. We stopped by the branch only to be told that they were missing proof of ID, proof of address and SS number which we did provide again. Then we were told that the account was flagged by their fraud department because our daughter's address was different than ours.


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I contacted NFCU and inquiring about refinancing my home loan. I was assigned to a “Mortgage Processor", I provided all documents they requested and told they are working on my application. I waited a for a month and I did not hear anything from the “Mortgage Processor". I contacted them again and asked about the status of my application, the “Mortgage Processor" replied “Approval letter has been sent out”. I waited another 30 days and I did not hear back from them again. 


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I was very displeased with the service provided by Navy Federal. It was hard to get ahold of my refinancing team members. I would leave voicemails and send emails. They were terrible at returning messages. When my loan was transferred to the 2nd half of the process the same thing happened but even worse. It would take a week or two for them to get back with me. Finally after 4 months of trying to deal with this company I decided to pull out and go with another company. I had cc'd the supervisors with no response as well. After I decided not to use this Navy Federal anymore a supervisor contacted me. I asked her how long it usually takes to get a refinancing complete and she told me 45-60 days. I then asked her why after 4 months are we still in the process. She could not answer. If you want horrible customer service then stick with Navy Federal. I went with Veterans United and from start to finish it took 3 1/2 weeks to close.


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Convenient, trustworthy, and reliable. I have been with them for 25 years. Whether it was a mortgage, car loans, or investments they can be counted on for fast, confident services. No matter what time of day they are there with the help you need. With many convenient locations or by email or phone they are there to assist.


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I applied for a home equity loan. Prior to do so and to ensure we did not waste our time or others’ time and to avoid paying for credit reports for nothing, I advised the representative what our credit scores were and asked if that met the minimum to apply for Navy Federal’s Home Equity Loan. The associate assured me there was no minimum. We went through a 2 week process of research and filling out and submitting documents and paid for two credit reports. I waited about a week, and, when I did not hear anything, I called and inquired and was transferred to “Molly”, a processor. She advised we were declined. I asked why, and she stated in a demeaning way, “Your credit score is 537.” Her tone clearly presented her prejudice against that score. 


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So Navy Federal sent me an offer of a $200.00 bonus if I would refinance my auto loan through them. Well after 2 hours on the phone and a credit check they were willing to up my rate, shorten the length of my loan, raise the amount of my payments and would not send the pay off directly to the bank who I already had my loan with. Thanks Navy Federal for wasting my time and dinging my credit. I will never go back and put myself through that again. I would suggest you save yourself some headache and look elsewhere. I rate them at minus 3 stars!!! And two thumbs down.


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I have been a member for over 50 years but only seriously began using their online services about 15 years ago. I began using them again when many of the traditional community banks were getting gobbled up by the larger ones and I was looking for some stability in my banking relationship. They are a terrific banking option. With competitive rates and dedicated representatives. Also very importantly, they have human reps that you can call for answers.


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I have done many mortgages in my life. I have perfect credit and strong finances. This is by far the worse. Already past the closing date with no date in sight. They keep saying they are working "hard." This is my first and last mortgage with Navy Federal. They leave everything to the last minute and then they try to blame it on you. They had two people working my mortgage. Very confusing. I will send documents to one and the other person will ask me for the same documents telling me that haven't received. You call them and email them in advance and they tell you that everything is in order and they have everything they need. Few days before closing is a rush and they start using "potential delay". They know from day one that they are going to be late. They are overworked. Do not recommend. Do not waste your time. Breaching a contract can cost you!


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Navy Federal Credit Union is BAR NONE the best financial institution out there. They offer so many services and their customer service is beyond reproach. I have been with them for around 30 years and they have been there for me in so many instances. I will never leave them!!!


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Navy Federal is a great app one bank. Zero technical difficulties in my first 2 years with them. When I have had to call them, the customer service people are all friendly, patient and knowledgeable. I highly recommend this credit union!


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I have been with Navy Fed since 2002 and at first they were easy to work with, always helpful, and considerate. The last six or so years that has changed, that was about the time I moved my banking over to USAA. The latest experience was getting a mortgage when the Navy moved us from Virginia to California. We shopped around for possible lenders and chose Navy Fed for ease of access. There were moments through the process that was very frustrating and our Mortgage specialist was on the edge of rude but we got our loan completed. We had no problems again until June when we went to refinance the loan to drop the rate. We went with Navy Fed again because it was supposed to be a simple IRRL, this couldn’t be farther from the truth. 


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2 weeks ago applied for a mortgage online, the loan officer called us once only to ask how we preferred to be contacted. She emailed 5 days later after numerous phone calls trying to connect with her verifying the loan amount. We had a lot more information to add to the application but they don't even call us to give us any update or respond to requests at all!!!! This was 18 days ago!! WTF! I was a loan officer for 10 years. I have never felt so unimportant in my entire life. If I could give them negative 10 stars it would not be enough. I will be taking my money out ASAP.


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Everything you need in a single process, includes gap protection. The process takes minutes and is very painless. I think I waited longer to see the loan officer then the process. I'm sure if I needed to the process could be done on my phone too.


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Getting the loan was excellent, and I had a great experience with them. Maintaining credit with customer service is okay. Customer service needs to be friendly and understanding. Other than that getting, the loan was impressive and I enjoy the process.


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In May 2019, after reviewing rates, I decided to apply for a VA mortgage with Navy Federal Credit Union. I submitted everything that was required per information on their website and I received pre-approval in a very short period of time. My loan officer was Ms. ** and she was phenomenal, she contacted me a couple of times to verify some information, and once she had everything in order, passed my information to the loan processor, Mr. **. He immediately contacted me and explained where I was in the process (awaiting VA appraisal and titling). He also told me that Ms. ** had done an outstanding job of preparing my loan packet and he was sending it for the first review.


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I went to this branch because it is close to my work and should be convenient. My transmission blew so I took money out of my fidelity account to cover it and some other bills I had. They sent a check and on 7/10 I went into the branch to deposit it thinking as a customer in good standings it shouldn’t be an issue. I was not informed until after the deposit that it was placed on a 5 day business hold and as I was told there is nothing they can do about it. I called the bank numerous times over the next 3 days because I have never had this happen before and was told it wasn’t mandatory, the branch manager could release it and if I had used the ATM it would have been on hold for only 2-days. I ended up having to rent a vehicle and pay storage fees while my FIXED truck sat at the repair shop while I waited for this to clear. 


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Would like to say this without a doubt is the best bank I have ever dealt with. Never had a issue cashing a check, unlike with some banks that charge fees. Always friendly and helpful employees. Now that I bank with them the whole banking experience is even better. NFCU tries really hard to make your banking experience easy as can be.


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Navy Federal Credit Union has very competitive loan, rates based on your credit score, and do not try to gouge you. Also, they do not have hidden fees. Best of all, they have a no-nonsense, streamlined loan process and can respond to your request quickly.


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So, I was getting things talked out with a security on phone. Can I say...they need to stop being rude and start being a little nicer. Oh!! AND a bank teller lady can use a smile too. Get more people who is nicer and not a you know what! Thanks!


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Quick, fast, efficient and informative info on options. Offered car selections to purchase also. Less confusion from previous car buys. Loan specialists were very helpful on weighing costs of a new versus used cars and also had option to purchase and have delivered cars from out of state.


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I have had great experiences with Navy Federal in the past. I have been a long time customer of about 13 years and usually it's my first choice for loans. However customer service in many departments and rates have been suffering quite a bit recently. I was in the process or purchasing my next home (4th home purchase in 7 years, so I am not new to the experience). I sat down with an agent to submit my mortgage application without shopping around as I have had great rates in the past. With an 800 credit score I was approved for a loan at 4.8% interest for a conventional loan no money down. I thought great, I didn't even bother to shop around. I get an approved offer in on a house and submit all my documents required for loan approval etc (income, W-2's, rental income, asset statements, etc) all within 24 hours. 


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I've a great understanding how this company rates the value of needs and services it can provide for me. Therefore I trust their quality of personal care and fair rates. I would go with this loan institution first consideration then see others last.


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I have been a member of NFCU since 1974. In the last year the website has been down more than in the previous 40 years. Lack of sound management practices leaves us members trying to visit our accounts in a quandary. How can this happen in today's world? We are flying faster than the plane we are riding. Right now, 6 JUL 2019 at 0933 hrs MST, the website is down again. Tried the backup site, and it denies access also. Anyone that understands this knows the system, outside of the web, is robust and running fine. Call them, and they have access to everything, while you don't.


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I came to NFCU because I heard so many reviews of how 'good' they are and how they really work with their members. I am a 100% disabled Air Force veteran and I can honestly say that has not been my experience. Now that I look back at who was telling me these great things, none of them were veterans. Only 1 was an active duty member and the rest were 'family' of a member.


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I was just on the phone for 1 hour and 6 hours and with Navy Federal. I spoke with 4 people, the last I spoke with being Becky on the phone (a supervisor). It was the most horrible phone call of my life. She was awful, verbally abusive, and after that phone call I want to crawl into a hole and die. She was unable to help me, interrupted me repeatedly, raised her voice, blatantly lied about the previous representatives had said, claimed I was lying after I told her what the last two representatives said (check the tapes of the conversation for proof), refused to provide any real help or support, threatened me, refused to allow me to speak with anyone else, refused to close my Navy Federal account, and told me to call back because she refused to speak with me. Becky was by far the worst customer service representative I have ever encountered and top 3 worst human being I’ve ever encountered.


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I have submitted two separate mortgage applications through NFCU and each time I have experienced the same issues. In order to get pre-approved for a home mortgage they require you to complete a mortgage application and throughout the process it is impossible to get in touch with the loan officer. I have have been with NFCU for over a decade and have had a great experience with every other department so I assumed that their mortgage department was the same; however, I couldn’t have been more wrong.


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Locked out of my account several times and when I call to regain access to my own account they were unable to help and extremely rude about it. Any question I asked was prompted with a rude response and the agent was getting angry at me for not understanding why I couldn't get access to my own account. Then I was told that I would have to fax over the information that I had just provided her with (such as my SSN) to gain access to my account which will take 5-10 business days. Until then I do not have access to my money. When I asked the operator to stop getting mad at me for answering question she claimed she was just being direct and assertive. Horrible experience. Very rude. Constantly locked out of my account.


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Was a member of NFCU just over a year - I joined for the convenience as there's a branch near me. We applied for a Home Equity loan to do our 20 yo roof but our handler told us that a missing shingle found during the appraisal would prevent the loan approval! It's approval would be contingent on our having the roof repaired first. She explained that she was trying to save us the cost of a full appraisal since it would now be required(?!), but that she wasn't going to allow us to proceed. Her logic was that we should spend thousands up front to preclude the need for a full appraisal & it's fee. When I pointed out the difficulty involved, she confessed to not knowing "the ins and outs" of the process. I was stunned. BTW USAA does not offer Home Eq' or HELOCs, and the home and our credit are in otherwise great shape. I had no problem getting a loan elsewhere.


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Navy Federal Credit Union highlights one of the key benefit to enrolling in its premium Flagship Reward Credit Card is its "cellphone protection." The efforts, the hoops, the impediments/obstacles to collecting on this benefit borders on the absurd--from its website, customer service, emails, duplicative submissions, multiple phone calls--all for the possibility at the end to collect $200 for a damaged iPhone cellphone. Frankly, it is a complete waste of time, which, I believe, is part of the process.


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Company refuses to provide written details of interest rate offers, bait and switch tactics, all done over the phone without paperwork... One week before home closing they request paperwork - change the interest rate - and then send fraudulent information to all parties involved.


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I applied for an auto loan online - the process was fast, but there were a couple of things that went very wrong! 1. The auto draft payments box, had to be selected in order to proceed, fine no problem with that- until; the 1st payment was deducted before it was due, then i got a notice that my first payment was late?! It took me 4 uncomfortable conversations with people who talk to you, without care, and rude, because their only objective is to get you off the phone! To finally get my auto loan draft to draft accordingly; half every 14 days opposed to full payments every other week! 2. I also checked the box for GAP insurance, I thought it to be an intelligent move to protect the loan, my investment. I found out 2 months later after reviewing my account online, which by the way is not transparent at all, compared to other financial institutions I transact business with, that I did NOT have GAP insurance!


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Every person in customer service through the phone is rude and refuse to care about the customer. I regret ever opening a bank here. They are the worst and I will never deal with this type of unprofessional behavior again.


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I joined NFCU because I'd heard a few good things and wanted to avoid other big banks. Since joining in 2014, my experience has largely been garbage. USAA has been my main bank since 2008 and I will continue to use them and a local credit union instead. My biggest issue lies with their transaction timelines. Transactions are not posted immediately or even in a timely manner (24 hours and upwards, no postings on the weekends) and because of this I frequently overdraft my account when I use it, believing that the posted balance is what I have to work with, when in reality there can be multiple transactions "pending" that are nowhere to be seen from account management.


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I was trying to apply for a membership with NF and they screwed up my entire application 3x. I am a military spouse and sent in all the documents they asked for and got an email that said, "Thank you for sending the documents. Takes 3-5 days to review." So I waited and called them again to check on the status on day 5 and was told documents were still missing even though I sent them. I did this process 3x. Finally called again after I got an email last Tuesday (1 week ago today) saying membership pending to check on the application status. The lady told me once again missing paperwork even though like before I sent in my military ID and vehicle registration. She told me, "Sorry you have to redo it" because it got denied the first time due to the representative not doing something right on my application.


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Navy Federal used to pay military up to 3 days in advance. Now they don't, I used to deposit checks using the app and in the branch and the money would be available right at the moment. Now they are available 3 days after. Only reason I still use it is to transfer money to my online banking which gives me a better interest rate.


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Unauthorized card charge with photos to Navy Federal showing what I was trying to explain about an unauthorized transaction made to my account just because I use my checking account to make past payments as (one time payment). Prior to the transaction I had already deleted my account from the other bank and they still used my account without authorization using the payment history, so we call the bank that made the transaction and they blatantly said, "Yes we used your account because it was in the history but yes appear that you had deleted" and that they sorry but could not return the money and blah blah. 


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So in March of 2019 I applied for a loan (auto), and it was approved. 24.5 @ 7.4%. Not too shabby. I go to the dealer which was out of state from me, so safe to say I planned on driving my car home. Get to the dealership to find out Navy Federal will only provide a fax saying your loan is approved, until a hard copy is generated. I wasn’t told this until I got to the dealership so I’m kinda stuck now. So I the rep wasn’t able to help me there. So I finance through Capital One (idk why, I’ll take blame for that) 22.2@10.11%. Mind you I’m still waiting on my NFCU check to come. So I get the car. No worries. Car is great. Even got extended warranty with the price.


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I have been a member of NFCU for almost 10 years. I have always been satisfied with their customer service and as far as the agents I spoke to in regards to this issue were very understanding and helpful, but still didn't get me anywhere. I had performed a service for someone and they wrote me a "Cashier's Check" for $1850. My thought was, a cashier check was pretty safe to accept and I had no reason to believe my clients would stiff me. Because I live over 100 miles from a branch office, I always used mobile deposits. It was great! My deposits were usually approved within a couple of days. Therefore I deposited this check using mobile deposit. Of course due to the amount, I was initially credited for $200 until the remaining amount could be verified.


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I assumed what was a joint mortgage. First they totally lied about how much it would cost by a factor of ten. Two the loan officer was incompetent; at the conclusion there was still a form he forgot to include. Three, a simple assumption took five months because, and my loan officer told me this, refinance is a higher priority than loan assumptions. They did have the lowest rate of any bank but because they were so slow they messed up my taxes. I would only use them from Jan to April.


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Best mortgage I have ever had and I have had several. Great company all the way and they don’t sell your mortgage. Excellent service, rates and options. A really good experience. The company is only open to military and veterans.


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From the first day I spoke with Reece ** I knew this wouldn't be a pleasant experience. He was very monotone and acted as if he could care less. My husband told him to call me at 5pm, he didn't call until almost 5:30pm. He either takes forever to respond to emails or he doesn't respond at all. My husband sent him a couple emails and he never responded until I began to email him and call. When I told him we didn't receive a response he showed ZERO remorse and obviously didn't care. Reece really lacks customer service. I understand he may not like his job, but the customer should never feel that.


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We jumped through hoops to apply for a mortgage with Navy Federal because we were told by friends that they have great rates. Had to pay $5 to open an account and become a member before we could even start the mortgage application process. They have you fill everything out, and then buried in tiny text at the very end is a disclaimer that they charge you $18.95 per person to run your credit.


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I have been back and forth with this bank in regards their practices of fees. They would charge fees twice for a same transaction. I also bank with Chase who does not have these practices. I switched back to Chase after experiencing this issue with NFCU. I was told that it was good to bank with a credit union, however, this was not my experience with NFCU. Their charges are lower than other banks but they add up significantly. I personally believe that this "military" bank is not here for us. I would recommend anyone to look for other options out there.


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I've used NFCU as my bank for as long as I can remember and have always had an amazing experience with them. The best customer service and services out there! Except when it came time for me to purchase my first home, and my loan officer was Eliana **. There was not one situation in which they were responsive, prompt, or on time. For each step of the process, I found myself having to leave multiple voicemails and emails each day, and not hearing back until the end of the week. This became such an issue that I was charged in TWO different scenarios to amend my contract to close on the house because Eliana didn't initiate my appraisal when she said she would (it wasn't even the same week).


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Extremely disappointed with how they treated their member who was unhappy. I never have to call for customer service but in this rare occasion I called and Jessica completely dropped the ball on this one and just based on that experience I will be closing my account with Navy Federal.


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Updated on 04/26/2019: I was advised by NFCU to consider having OOPS, during the chaos of having my account confiscated on February 15th. This action caused delay on my bills with late fees added on. Yes, NFCU granted me credit but taken back when my account was already in the negative and after a plea to pay in full just a couple of days later. I can not purchase anything with a negative balance but yet they went beyond reach to draft the credit; which made the negative account balance larger. As insisted by NFCU, on April 22nd I called before noon for the OOPs, Get a message on April 24th that it was declined because of a negative balance. Why am I still dealing with this bank? I was laid off from Wachovia before Wells Fargo taken over, I have over 16 years of banking experience. I thought being with a CU would be better, I am wrong and been with them too long!


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I wanted to know if a lien against my home would disqualify for a 10.1 ARM. The home is worth 1000000 (one million) recent appraisal. The loan is 350,000 and the lien is 150000. They said no problem... Then they did a 180 and said we don't know. It's a rule isnt it? Why is it so hard to decipher their own rules?


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I have been with Navy Federal for over two years. I opened a checking and saving account. I went to this bank because my daughter served in army. I had another bank I figure I give this bank a try. Well why did I do that I get paid every week. So on this past week which was 4/4/2019 I goes to check my account and it stated I was overdrawn by 100.00 so I called the representative that suppose to supervisor. He answered the phone very nasty and ignorant. As of 04/04/19 I will not let any of my money go into this account. 


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I have been a member with Navy Federal since 1999. It is now 2019. From February to March I've made nearly $9,000 in transactions. Normally there wouldn't be a glitch in any way, especially with Navy Federal. As of recent Navy Federal has been losing my money as well as incorrectly transcribing deposits. I'm not upset about the money aspect, but I'm very hurt that I can no longer trust Navy Federal with my money, which is =, to my time, = my life. I miss the old you Navy Federal and I'm an idiot for trusting any organization. If you value the money you earned I'd recommend staying away from Navy Federal.


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The overall handling of the application process fail to meet my high standards. The appraisal was a racist. Entered my home, would not except upgrades nor would he look at blueprints of the home. Comparable so we're not nowhere in the same built as my home. He conducted a shady job just to get paid.


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I have been a member for about 13years. I had good experiences when I first joined but it has gone way downhill. I filed a dispute for products that I paid for and never received. In November. In December I was given a credit for $600, which is the amount I was disputing. I sent messages with documents and details... never got a response. I called almost daily to get an update and no one ever knew. I was transferred in circles and had to explain everything over and over again. I went into a beach to try to figure out something and was told oh yeah that sounds like fraud so call the fraud department, we can't help you. Then I randomly get a letter in the mail saying my case was closed... out of nowhere! 


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I make my 400 CC payment just to turn around to see another $100 added back on top of the payment I just made. It's like I'm not even making a payment at all and getting $100 added on to my balance every month!!! RUN RUN RUNNN!!! NEVER AGAIN!!!


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I have been a member of NFCU for many years. When I first joined, they had an amazing team. I don't know if someone new has taken over or what, but their customer service skills and overall caring has gone down the toilet. I have two loans with them: one for my vehicle and one for dental work. Due to financial hardships, I have fallen behind in paying them, but I have been slowly pulling out of the hole. Unfortunately, they do not seem to care about all this and have pulled any and all deposits I get in the last month to apply towards the loans. I completely understand they need to be paid, and I'm not objecting to that. What I AM objecting to is as follows.


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Everyone grab your popcorn, candy, and drinks. This is about to get juicy! I have been a customer with Navy Federal for several years and I will say they were nice in the beginning. I don't keep a balance on my cards and keep my utilization under %10 so when I requested a credit limit increase I was declined. I called to see why they decline me and they gave me the runaround and were rude. Anyway I am not using any of my cards with them only once or twice a year so it looks good on my credit report.


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I applied for Navy Federal Credit Union membership online on Feb 21, 2018 and wanted to open a traditional IRA, by transferring the account to them from another custodian, and then purchase their current IRA Special 5 year cd with APY 3.75%. I am age 87 and do not know how to supply the additional required documents including me and my wife's drivers licenses and a utility bill with our address, using the secure email that they sent to me, which I explained to them. They could not show me how to do it using my iPhone to take photos of the items and then send them by the secure email. After 45 minutes on the phone with them. They then told me to fax the items to them and gave me their long distance fax number, which I verified twice, I then went to Staples, which I have used for long distance faxing many times over the last 10 years. Staples gave me a confirmation receipt. 


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I received a car loan from them. I went to purchase a car, turned over the check. I immediately realized that my husband and I was scammed by the dealership. We called Navy Federal to see if they can stop the check. They told us they gave their word to scam artist and they have to uphold it. So now 11,000 later, the scam artist is gone with our money. We have no car and all Navy care about is sending me a 1000 letter of when my first payment is due. Every one win but their actually client.


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NFCU is the worse! They just stole $216 from my accounts. I called in to see why my accounts had zero balances and was told by a rep that the transferred were completed through the mobile app and they had no idea where the fund were transferred to. I made no transactions through the mobile app so I knew that was a LIE. The rep then informed me the only way to stop the money from being moved was to have "whoever" made the transactions on the mobile app reverse them... ANOTHER LIE!!! I called back to speak with a supervisor who was no freaking help at all!! I will be closing all of my accounts with this shady bank!!! I have never been robbed with my in my life by a bank until NFCU! They are horrible!


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Last week we received our $5,800 tax money and on the same day it showed a $4,000 transfer to a credit card. We had no idea what and how this was possible because we did not do it. I call the bank in the evening to find out where did all our money go and the women said the credit card department took it to put towards our debt back 4yrs ago with them. We said how is that possible when we did not even agree to it. Well, she said to call the credit card dept. in the morning at 10mn (which we did right at 10 am). The women who picked up the phone was nasty right off the rip and all she said was she was going to put us on hold so I knew immediately who we were going to deal with once she came back. 


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Let me just say, NOT much difference in "For edeposit only" and "For deposit only". Wow, just wow! Because I didn't put the small little e before the word deposit they REJECTED the deposit!!! I have NEVER had a bank treat this before this way. USAA, no problem. Randolph Brooks CU, no problem. NFCU, petty BS!!! Since this may lead to a delay in funds available as they waited 24 hours to tell me, and now have to wait another 48 hours, it will lead to possible NSF. This is crazy. Time to close their account and take ALL my business elsewhere.


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The worst service I have ever experienced with a checking account. I was given wrong information twice by the same person. I signed 3 of my siblings up under me with 2 of them signing up online via a join now icon that promised they and their sponsor would receive $25. Well, one of my siblings received the $25 but they are denying me as the sponsor the $25 and they are denying my other sibling her $25. We had to call 5 times to finally get it resolved. I will not be referring anyone else to them because they lie and are not people of integrity.


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The reps who assisted me for THREE days in this process, while nice, were VERY uneducated in the actual processes. They advised me through steps that were wrong, and greatly damaged not only myself, but my cosigner. So I just didn't get screwed, they did as well, which breaks my heart and infuriated me more than anything. And their flippant responses to that are the reason I will never give them another dime. And I find out later, after being "approved" already for a loan amount, that I actually WASN'T because they make offers BEFORE they EVER look at your actual report, and are "still subject to denial", then WHY OFFER ANYTHING UNTIL YOU HAVE ALL THE INFO FOR A DECISION??!!


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Navy Federal used to look out for its members, pending deposits would show up and remain the day before, pending credits would be posted all the time. Within the last year or so they have changed how the checking tracked. The worst thing is, now I am sitting here at 0700 and am expecting deposits in total of $10,000 from my salary & Yearly bonus and they show my account having been unchanged from yesterday to today. Seriously considering switching banks after being a 13 years customer!


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They stole almost $300 from my savings account and refuse to acknowledge it. They are thieves of the worst kind and I wouldn’t recommend anyone to bank with them. The customer service is terrible. Expect to be swindled.


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They take money from you. They been stealing money from me and I'm just finding out 2/20/19. Getting a lawyer and I know I'm not the only one that this has been happening to. MORE PEOPLE NEED TO STEP UP AND SAY SOMETHING. THIS IS NOT THE ONLY BANK THAT HAVE STOLEN MONEY FROM CUSTOMERS. I didn't wanna give you guys any stars.


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NFCU is great until something happens. They have so much money they dont have to worry about the small stuff. I was in good standing with a checking, LOC, and credit card. I also did the right thing and purchased the PPP (payment protection plan) that they sold me. Luuuvvved them. That is until I needed the protection plan. Then no one could agree on how to activate it. And then, where to send forms. And if you did send forms to an address that was actually on the plan letter, that was the wrong address.


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The company rep assigned to my HELOC application was incompetent and played communication games. She would call me at odd hours, but never answered or called back to my return calls. Same with email - never acknowledged receipt of any correspondence. Asked for material I had already submitted via secure server. I went weeks with no status. I even went by my local branch - attempted to reach her w/ no success. Rather than provide a new rep, NFCU kept this person in loop. I withdrew my app and will never attempt this again with NFCU. Sad, esp since I've been with the company for 33 years.


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I've been a Navy Federal member for a decade. I've paid off an auto loan and a signature loan in that time. Recently, my $15k credit card (more than half of my available credit) came up for renewal. NFCU will not renew it, and the only customer service you can speak to for this is via their contact form inhouse mail system. My account is in good standing and has been for years except a few late payments last summer. I've recovered my credit score which is over 600 once again since hard times last summer. 


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I have several account with Navy Federal, however the complaint is with my business account. I feel that I am being discriminated based on my race and age, by Navy Federal employee. Today I deposited checks into my account and received deliberately deceptive behavior with my financial institution. Teller ** in Stockbridge GA placed a hold on my checks for no reason. Basically because she wanted to put my funds on hold and she used her authority to do so. 


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Applied for an account on 1/3/2019 after the online process was complete. Navy Federal stated they could not process the case for whatever reason. Contact the Customer Service department and they stated that I needed to provide ID, Proof of how my mom is my mom, and proof of address. Submitted the documents through the emailed link and email address provided. Jan 8th I did not hear anything so I reached again. Only to be told that I had to submit an appeal form with ALL the documents again. Did that again on 01/08/2019 with all the documents. Was told that it would take 15 business days to process. Called after the 15 days because I heard nothing from them. Lady on the line told me to wait 24-48 hours. 


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Back in 2015 I think I was mistakingly approved for a business loan for a piece of equipment as I have been turned down every year afterwards. Just recently I attempted to apply for a loan to buy another piece of equipment after having been approved by another financial institution and this time NFCU told me that I needed to fill out a loan app, a limited liability company operating agreement and a Certification Regarding Beneficial Owners of Legal Entity Customers. All of this after having been with NFCU for some 30 some odd years personally and some 4 years in a business sense. Each time I’ve attempted to get another piece of equipment financed I’ve been turned down. I can’t understand why being that I’ve just about paid the first loan out and I’m good standing with these people. It's as if they don’t want me to grow my business...


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If I could give zero stars I would. I called Navy Federal and a customer cannot increase their ATM withdrawal limit unlike USAA I can call and increase my ATM withdrawal limit to $5000 and go to any ATM and take it out within 48 hours. With Navy Federal $600 is the max, no increases can be done at all, no exceptions. That is pretty pitiful. It's my money and I want it when I want it. Hard to believe they cannot keep up with the competition.


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My husband and I have been Navy Federal account holders for 13 years and are currently active duty. I called customer service today to check the status of a refund from Amazon. The refund would have been issued over one month ago according to Amazon but I do not recall seeing it. I called so I may account for this money before calling Amazon.


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I am saddened to see that they only have 1 and a half stars on here as of writing this. I have been a NFCU member for 4 years, and I have never had any problems with them. A local credit union, Vystar, has given me so many more problems, mainly with their website and lack of knowledge on the call center portion. I used to love them. But Navy Federal has my heart now. Like I said, I've been with them for 4 years. I have multiple savings accounts, checking accounts, business accounts, a credit card, and will soon be buying a home through them. I cannot recommend them enough. They have always been there when I needed them, are upfront about everything, and provide exceptional customer service. 


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I've been a member with NFCU since 1979 and NEVER had any issues with any of their products. Maybe I fortunate. Did a lot of business with them while I was on active duty (1988-2011) being stationed all over the world and they've always been there when I needed a loan, credit cards, or help me set up bill-pay. That's more than I can say for my other financial institution (USAA-with them since 1986 and closed everything in late 2017). The returns (interest rates, promos, etc.) on their products are much better than most banks. 


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I am a Navy vet. I attempted to join online. I sent more ids than required. I received form letters back saying I didn't submit required ids. I submitted a 2nd time, more ids than required. I received the same form letter again. I called. The person answering repeated the same as was in their letters, not offering any help or explanation. She was not interested and did not care. I decided not to join because there is not a physical branch where I live and this type of customer service would make resolving any future problems difficult. I would not recommend opening an account. Very disappointing.


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I do not recommend NFCU to anyone looking for a bank. They advertise they support their members but this is not true. I have been a member for over 20 years and through their policies are keeping almost 3,000.00 dollars I have in escrow. I have tried numerous times to have them issue my money to me but they are refusing to do so. 3K may not seem like a lot of money to them but apparently if you become a member you are just another number…


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NFCU beat bank I've ever had. Hands down. Always help out in a pinch. Fees aren't crazy for overdrafts and it's really hard to believe that all the reviews on here are negative. Some people must not have ever banked with a large bank. Thanks NFCU for helping me out all the time.


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My veteran husband passed leaving me as a beneficiary and or joint on the accounts. I submitted the death certificate immediately and complied with their paperwork requirements. They have delayed access to accounts either visually or to funds. It's been a month. That's scary for anyone that needs to pay bills. They had a glitch throughout all Navy recently and it showed no money in the accounts. That's great! Beware!


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I recently had an uncle who was killed accidentally in a car accident, my family sued and recovered a settlement, of course, it’s not enough and could never replace my uncle. However, my grandmother wanted to make sure that all the grandchildren were given something from my uncle. So, she sends cashier’s checks for Christmas from Commerce Bank. Navy Federal put a hold on the “cashier’s check” during Christmas. NFCU could call Commerce to verify the funds in five minutes. NFCU branch superior “Teresa” actually said that Commerce Bank does not verify their cashier's checks “REALLY”, which I know that any bank that is FDIC insured must verify funds, especially to another Bank! This was relayed to me by NFCU call center supervisor “Kate.” Because “Teresa,” refused my call. 


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*WARNING*! All the NEGATIVE MORTGAGE REVIEWS ARE TRUE!! Their customer service is the WORST! READ YOUR DOCS CAREFULLY and FEES BREAKDOWN! They were inconsistent and fees were outrageous! They avoid answering your emails, voicemails, and never give you any updates! It was very difficult to get a hold of our loan officer! She obviously was avoiding us! She Flat out lied to us about NOT CHARGING the [NON-REFUNDABLE] Appraisal fees! We hadn’t even submitted all required docs nor schedule any Appraisal appointment! 


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I tried to get an account opened and they had trouble verifying my info, they asked for a photo ID and a utility bill which I sent via their secured document link. Got an email saying the documents were received. Today I got a letter asking for the documents again. If they cannot manage to keep track of important documents sent and received, I sure wouldn't trust them with my $$. I'm really regretting sending the documents now, with all the identity theft issues, I think these folks are incompetent...


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I've been with Navy Federal for several years, and no problems to date. Got a secured credit card with $500 being held, then after 9 months or so, my credit card was upgraded to a $2,000 and my $500 security was returned. Keep in mind, folks, that the 99% of customers that have a fine experience, so don't really think of coming to write a review on it.


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The fraudulent department is so horrible. I been fighting for my $41,200 for 3 years - keep getting denied because they want to say civil and good faith. This bank let my ex cash my cashier check written in my name, never had joint accounts. We were separated, she had a restraining order against me. I was incarcerated the day she forge and cashed my check, have proof of it and they keep denying me. Someone please let me know if anybody can help. This make me homeless and ever since it be a struggle.


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My wallet got stolen, I tried to stop all transaction and they never did, let my account overdrawn from fraud activity. After many request along with police report to close my account they never did. For $168 (fraud activity) charge, they put $730 fees in 30 days and then close my account. (Never did when I asked to.) And then started recovering $730. Says they help military, but instead take advantage for every little bit. Already dealing with identity theft and now this greedy bank, that takes money any time. We stopped all transaction through them and started paying their fees (that shouldn't be there in the first place) in fear of spoiling credit in monthly installment. 


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After reading these reviews, seems like they screw a lot of folks on fraud. Aka they do not want to protect you aka payout. Anywho, So, I used Navy federal for 9+ years. I had many personal loans, car loans, credit cards etc. All paid In good standing and on time. Well one day, I had $3800+ of a fraudulent transaction on my account. I had physical proof that it was fraud. Well Navy Federal refunded the money. (Money was used for car repairs, shop charged when I was not even there) So I paid another shop to actually do the work and fix the car. 


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I experience money was not adding up what my balance should have been when I deposit large amount money in my checking account. I tried loan for house and 2 time days before closing it always something wrong and last time of closing 3 days, they said I couldn’t get loan.


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This is the worst institution I've EVER dealt with. Every time you call they have some new security requirement you have to add to your account or some new detail you have to give them in order to access your information. I understand the need for security but the ever changing rules are ridiculous. In addition to that, they request information completely unnecessary to the loan process; stuff that is really none of their business or relevant to the loan process. We've had several loans with them over the years and they get worse each year. We've had to submit paperwork (the SAME paperwork) 3 times just to try and transfer a loan we ALREADY HAVE to have my son added on it (his car loan). They keep saying it's wrong when it's absolutely correct and what they're asking for... Look again. They are completely frustrating to deal with!


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Summary: Stay away from this bank! Trust me! Stay a w a y!! This bank SUCKS. Stay away. The only reason why I opened a business account with this bank was that they were now accepting Zelle payments which allows me to transfer money from other banks in no time. This was the longest and most painful application I've ever been through with a bank (So you may think that it will be so worth it once you finally open the account), well. They only have one location in South Florida, and if you want to deposit money on an ATM you have to drive there, so I thought Zelle payments would help me. And then. 


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I deposited $100 a year ago to show good faith on getting a good loan rate. Instead, I went with AIM, who beat them like a drum. Tonight, I got a non-customer offer (although I could get it, too) of a 12 Month 3% CD. Okay... I'll stick around for that. Once online, it's got a $3, 000 maximum (whoopee!) and it requires me to do scheduled direct deposits to a crummy savings account paying spit for interest. I've already found a CU online that pays 3% for a 12 month without strings attached and another that pays 4% for a 48 month... On top of an online bank that pays 2.25% for no fee savings. Must be the CHINESE or RUSSIAN Navy running THIS credit union!!!


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Called NFCU to see if I could qualify for a mortgage loan through them. By the time I got ready to submit my documentation like my W-2's and paystubs and other forms needed in order to accurately qualify for a mortgage. The loan officer called me as I was ready to upload everything to tell me that my information was sent to the underwriter and that they didn't approve my loan. How is that even possible without having no type of information in your hand? I spoke with a coworker of mines and she said the same thing happened to her without any explanation. I really think that I should seek legal counsel cause you can’t tell me that it’s not discrimination. I even informed my realtor about what happened. She even said that was odd. Now I'm about to give my business to someone else that I don't have history with. It doesn't make sense.


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If I could not give this company any stars it would be great for them to be affiliated with the military. They don’t take care of the military! They do not honor SCRA whatsoever! I sincerely hate this company!


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2 weeks ago I visit your branch on Hampton Blvd in Norfolk, Virginia. There was two checks in my name that was cash at one of your branch by a third person. This was done while I was in the hospital. I went to the branch on Hampton Blvd to get help but no one would help me. I went to the police and they couldn’t help me without the branch of where the checks was cash. These checks I have been waiting for them just to find out someone else cash them and wrote my name on the back of the checks. I went to catch this person but the Navy Federal Credit Union won’t help me recover my funds and person who use the branch in my name. Plus I don’t have an account with Navy Federal Credit Union at all.


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A company called WWW.TOTALAV.COM charged my debit card for $119.95 on 10/09/18, this transaction never happened in any way. I called over 30 times this past week and your representative I spoke to at the intro of everything turned everything around and cancelled my debit card, I was unsatisfied with that decision without him seeking my approval before doing that, that consequently led into something else and he froze my account, your representative froze my only bank account on a payday after my employer paid and that was last Friday. 


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This review is specifically about needing technical support for online banking. Every time I go into a branch everyone is fantastic. For a company as big as Navy Federal, technical support for online problems is the worst I have ever dealt with. I originally could not access my account through the desktop computer version. I called technical support to see if they could look into the problem. The representative stated that we needed to reset my password. I quickly learned that the only procedure the technical support knew is to reset a password.


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This bank is not here for active, reserves, or vets!!! I have had a payment arrangement set up for my credit line to be paid. This pay period I decided to go with direct deposit from work since I have been getting paper checks. I looked in my account and the loans charge recovery department decided to take more than $1000 from my checking and post it to my credit line, WITHOUT MY PERMISSION. This is the 2nd time this has happened. Regardless of the amount this is happened 1 time too many. If I have a payment set up there should not be a reason why any amount other than specified and agreed upon should be taken out without notifying your members.


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I needed an emergency loan and they gave it to me. I asked for more than I needed knowing how they counter offer... They gave me the entire $6k! I applied for the cc a year later with a 10k limit! Holy smokes they are too generous. I allowed my daughter to join and I recommend to join and never miss a payment. They totally take care of you.


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Paid $500 for appraisal and home was valued at 426,000 and mind you I owe $250,000 and have good credit. The process was like pulling teeth, most of the time no responses to document submission, emails or phone calls. In fact my processor went on vacation for 2 weeks and never followed up nor did anyone else. Treated me as a nonentity. Now want me to do $10,000 for repairs that existed when I bought this home through them and it was perfectly fine to secure a $20,000 loan. RIDICULOUS. This was all found out by me calling them, they never notified me. Never experienced such a disinterested attitude in all my life.


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Claims department tells me to submit a claim after receiving damaged bills from an ATM, and I do so, following the exact instructions I was given. Claims dept then sends me a message telling me essentially, "Not our fault. You fix it." Wow. This is "superior" customer service from a credit union? I have been treated better by the big banks in the past. This is just really, really disappointing.


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We were not approved for mortgage refinance due to recent law requiring 6 month waiting period unless borrowing at higher than original loan amount via VA. I asked for a refund of $36. Answer: No. I told her that NFCU should have known the law before running our credit info and charging us a fee for something we could not obtain even though our credit itself was fine. So we have another hit on our credit and paid NFCU $36 receiving NOTHING in return. NFCU just lost any future vehicle and mortgage loans with us.


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I went to the bank to cover some transactions from the weekend that made my account overdrawn. When I get there the line is super long with three windows open. I was on my way to work so I ask the person working upfront if I go put this money in the ATM to cover my overdraft will I still acquire overdraft fees. He tells me, "No as long as you have cash." So going off of that information I deposit the money into the ATM and check the next day and I'm hit with 60 dollars of overdraft fees. 


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So I decided to go with Navy Federal Credit Union for my VA Home Loan because they were offering a great mortgage rate (beating my old standby USAA by about 0.5%). After getting approved I decided to look at some of the online reviews for NFCU. Much to my dismay, the reviews posted online (this website in particular) were overwhelmingly negative. This caused me to look at other lenders, however, NFCU had the best rate I could find. So I decided to roll the dice and stick with them.


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I am a Navy veteran but did not join when on active duty. When they started accepting veterans, I joined and got a Visa card. I agreed to do everything online. When a Visa statement was available, I was to get an email. I have checked my profile, and my email is correct. I get plenty of junk emails from them promoting things. In a little over a year, they have failed three times to notify me when a statement is available. One of those times resulted in a late charge. The other two, I found by going to the website, which I should NOT have to do. They seem to be uninterested in doing anything. I am reluctantly looking for another credit union to join so I can leave NFCU.


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I don't know where these negative reviews are coming from. I've been with NFCU since I was a young sailor stationed in Italy 38 years ago. Customer Service is excellent. Products are excellent. I do ALL my banking, saving, and investing with them. Never had to wait more than 3 minutes on the phone for service. Products are excellent. I have my mortgage through them as well as two IRAs, Certificates of Deposit, savings, checking, money market... NEVER had an issue. Loyalty goes both ways with NFCU.


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Truly wish I had read these reviews first and not applied for an equity line with NF!!! Never, in the 30 plus years I've had mortgages have I experienced this level of negligence, lack of due diligence, or basic communication. It's clear that the overall attitude is 'it's not my job', or it doesn't affect me so I'm not going to do anything about it, reigns supreme.


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On 8/18/19 when going to start a business acct I encountered rep: E. R.(I won’t blast her full name for confidentiality purposes — I will do her that favor) at Cameron, NC site. As soon as she called me, (before I confirmed my transaction type), she asked for ID. I gladly gave it to her although I’d never had to show my ID at previous visits. My account balance is pretty high and at first she acted in disbelief that my transaction was legit. Furthermore, she acted as if she didn’t want to help me, & gave minimal help when I asked questions during the process. She was more friendly with the next patrons she called, after me. 


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I have had a credit card with this company for over two years without any late payments within the last 6 months. Within themselves they have reported me late and each time it has been for a dollar to $3 short of the payment because I guess whoever processed it did not process it for the correct amount which caused a $20 charge at least four different times. I tried to talk to several supervisors that have these charges removed and they refused so as of today I am riding the Better Business Bureau because this is some kind of Consumer Fraud. You don't tell me the right amount to pay so I owe your bank $20 each time because I made the payment over the phone. Just sad.


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I have been a loyal member of NFCU since I first enlisted in the Marine 10 years ago, and I honestly felt that being a member at NFCU is a special privilege for those who served. However, I recently lost $4,500 to an online fraud that have really devastated my family. This is result of someone gaining access to my NFCU account and transfer $4,500 from my checking to an external account claimed to be under my name. Despite NFCU knowing the external account does not belong to me, NFCU is holding me accountable, and is only willing to request the return of fund from Bank of America. The account does not belong to me and the fund transferred to that external account is long gone.


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If I can give this bank zero stars I would. First we went to talk to a mortgage representative who was rude when we told her we wanted the 30 year fixed rate and zero downpayment. We knew from beforehand talking from talking to an earlier representative this was possible. She started telling us we would have to pay 18k in downpayment not including 10k for closing cost. When we asked her to explain she ignored us and kept pestering us to pick a plan without actually explaining. Finally we left to another bank representative. At this point we found someone to help us. 


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I applied for a home equity loan with Navy Federal Credit Union. Being a veteran, I figured they would have better rates and would take good care of me. Stupid me!!! My wife and I have excellent credit, and a lot of equity so this should have been simple. The AVM that the credit union uses lowballed my appraisal so they were going to force me to pay anywhere between $450 and $500 for a full appraisal. They told me three different prices with the loan process. 


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When applying online, In which you must considering there aren't any mortgage loan officers inside of the actual branches here in Georgia, the process is hell. It takes them about 72 hours or more to acknowledge your online application, and another 48 hours to assign it to a loan officer. During my process I worked with Deneen ** (now ** I believe) **. What a complete disappointment. She was non responsive to emails or phone calls. She did not show up for our arranged meeting and told me that she would have to reschedule. 


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I believe NFCU is just crooked. The rules of processing change depending on the day of the week or what rep answers your call. And they aren't willing to listen. Not people friendly. Not for the people by any means. They find every way possible to charge fees and are unwilling to even accommodate a one time courtesy adjustment. Ex: I have a direct deposit that hits the 15th & last day of the month every month. Deposit in question is for 7/31. 


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I've cashed the exact same type of paycheck from the same company for over a year at Navy Federal, it has always cleared with no problem and now suddenly there has been a 3 day hold on all of my checks. The first time it happened I was not told by the woman at the drive through until after I deposited my check. So ever since I've gone inside to deposit my check and asked the teller about the hold, 3 times in a row I got a male teller and they waived the hold with no problem explaining to me that it is up to teller discretion whether or not to waive the hold and that all the teller has to do is look and see that my check has not bounce and there has been no suspicious activity. Well this last time I went in and got a woman teller again, she refused to waived the hold then proceeded to lie to me and say that they aren't allowed to waive holds. I told her they've waived it before and she lied again saying they can't waive it more than once.


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Just wanted to my compliments to your staff at the Marron St, Carlsbad location. Your representative Ms. ** was a joy to interact with. While my business was pedestrian in nature, she treated me with great verve and professional talent. My experience was both uplifting and rewarding. I only wish other social businesses would observe such performance. I understand this little bit of, pay it forward, fluff doesn't always show up on the big radar of corporate. Nevertheless... I just wanted to testify. Kudos, to your personnel and again to Ms. **... she is very deserving of high praise. Thanks.


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I used Navy Federal for the biggest loan of my life a mortgage and it was a mistake. You would think they would have their stuff together and be great at VA loans but not at all. They were asking for documents the day of my closing. Then they promised me I could buy down my interest rate the day I closed. I even told them I wanted by my interest rate down if I was within 1500.00 when I closed. When I closed I was 300$ from being able to buy down 1 point. They screwed up and didn't do it and then they tried to fix it after. They said all documents would need to be resigned by me and the seller.


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I paid for my husband and I to eat at a small restaurant and the girl that swiped my card had swiped it a couple times because she said the card wasn’t going through after the second or third swipe it went through. I signed the receipt and left. A couple days later I noticed on my bank account that the restaurant charged me 3 times when I should have been charged once. I called the bank to let them know and as I spoke to a woman it kinda seemed like she didn’t really believe me but I told her it makes no sense why I would eat at the same place 3 times in one day!


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I’m a veteran who opened account because I was told this was a good bank. Boy was I wrong! I have never been able to use the account. Now I am being told that the account was closed a month ago. Mind you I have received no notice of this in the mail and I actually received a statement from them last month! I am currently sitting in a branch. They can see where the account was closed and there has been no check issued to me returning my funds but they don’t know where the money is! HOW?! That doesn’t even make sense. I have been here for almost an hour and I am on hold in the phone and have been for a long time now. I’m just getting the runaround which seems to be the norm for them. Do not use this bank. RUN! They will take your money and leave you high & dry! I have a terrible feeling that I will be leaving without my money today.


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Just spent the last 30 minutes attempting to verify my account after representative decide to put a security alert because she heard me on speakerphone with my son on the previous call. After requesting to speak to a supervisor he began to make me start from the beginning with his additional questions! Horrible customer service and have had my accounts for over 15 years!!! Out of disbelief I actually started to record the conversation!


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I have been with Navy Federal for 25 years. I have always felt that there was some fraud going on because it always seemed as if money was surreptitiously being taken out of my account. In June 2018 I deducted every amount that I spent from my initial monthly deposit and I came up 150.00 short. I noticed this when I realized an item seemed to be deducted from my checking twice. When I told NavFed, I received sarcastic nasty answers from the clerk, and being a vet with PTSD I served it right back. I sent an email to them (NavFed) and they stated go to the nearest bank. Why? Then they stated that they would send me statements in PDF files and to let them know what the discrepancy was. WHY? I told you what it was and what I did. You could do the same thing just as easily. I subtracted all of the items from my account.


