# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d6c1668735c14505805c5c216610f84d
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb6afea5d7784f158b07dd57e4fce133
encoding: FLOAT32
metadata:
{"chroma:document": "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!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8a30549cd5349e08fcd19724c07d71f
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fecbfd22ea70446eac3349df3d570e4f
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0985beb1c6c240b084c86ee0792e5896
encoding: FLOAT32
metadata:
{"chroma:document": "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\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2381b19614dd4e8bb4076121ad2c8b85
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da98e201502b4f5e9612aee196d8ba34
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e8a388ab203b42cdb6c3576beb500e57
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 368bcc0f13bc405f9bf524def4bdbaa2
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3c04c99b57a4fbd93095b41992f8811
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24e5dbe7a0da457b9328e05c4f0c9c36
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 808606e79215424087e914528a31c235
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad5bca7bebbd48f48b7dbb7ffc89a068
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9aed2b5008ab483e84bfe20c4ea35e05
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6c880f130874aadbc2a066d228cf704
encoding: FLOAT32
metadata:
{"chroma:document": "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?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ca4eae932544eab95de0dd272971daa
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 84dc3d4fefd3423ab6a124ac8d9e8c30
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30002a758676405aa101b2a7eed0a684
encoding: FLOAT32
metadata:
{"chroma:document": "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.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7dd4b7f8d98b42fe80d85fa903e91a4a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 659f56ea8e2b4d1d9bc20e806ddc80b0
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019s still not fixed. All the keep saying, \"That\u2019s 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\u2019t fixed it yet."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09a723d1dd13434995b2297b48f0cdfc
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13697115010e4cc6b0ef034cfc204956
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38b1b9ac5b0045c4a7397fa29613f77d
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22ece98099c94dddac00861265658c72
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a41a722e02f4c5e80c57c0ffd0409c3
encoding: FLOAT32
metadata:
{"chroma:document": "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! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91812c806abd435dadee803e3e70cddf
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eef6e6c18032489db23719dbe9fb16df
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e934e52c571421d9d6bec870dc12871
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e22696b268e4c71bdc5b2898a769dfb
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5df1aad061c44e6a08362f17ec65a4c
encoding: FLOAT32
metadata:
{"chroma:document": "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\"..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8821e198a6a34025b241bc87ecad5fb1
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ccac3e7940a41529393023f564e8c4a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed6be21788f446578c6fae02b25d7328
encoding: FLOAT32
metadata:
{"chroma:document": "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:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9d45dc358b2418b8eb14e28308c452c
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 940c0271a7814c519169f2ad7d87b2ef
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 59792945b8d749da890c55d75bb097fd
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38777f19f7b840ce8a3735b68e6b02f1
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63086ed8a7fb4269b8c050c668aa701e
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9825e9acc8a24c09952f4088c53aed67
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{"chroma:document": "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\u2019s a nightmare and reoccurring. The base will offer financial classes but how are those supposed to be beneficial when you are getting ripped off?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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!!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc80b4c99b9e4694988c304c23d9b4c1
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{"chroma:document": "This is a horrible place. Call to ask for information they say what they want they hang up on you if they don\u2019t like what you\u2019re asking or what you\u2019re saying or maybe they don\u2019t know how to answer the question. These people believe that they\u2019re above the law. They don\u2019t seem like they realize that they\u2019re a business and they need clients in order to stay in business. You can\u2019t 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\u2019re rude never will I deal with this place. Criminal organization."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 78b236c838a54ded881082fd9a99abbc
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f950fdc474b045a6b2ec7530eda3f411
encoding: FLOAT32
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{"chroma:document": "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\u2019t 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f7c83df3539740c2b48732b4ffb1cb3f
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07c014d9fbc34ec3a805c928cff7bd1a
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 69849226560b4a63aed3a19c0b9fca73
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 670ef4bc8f1c4721aed3f8b188a7d1f4
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metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ccce69f288c41a383bd7d7b6e460d3a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e36241d2eb0e4568a2484be7c4ae2d3c
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve 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 \u201cdays\u201d. It shouldn\u2019t 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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa1b9d8a2c264db488e121f6a3d9282b
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b826acec26c3416b9b3741ca1c7ed285
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 693a463bb1664c1787b7bffeb3df647f
encoding: FLOAT32
metadata:
{"chroma:document": "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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e3ffaa7538b242f48bd318011b961a70
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41cd68e259034a8ba0df3ddcf2d775b8
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90af8b79ed1241f2b406a510ef1db638
encoding: FLOAT32
metadata:
{"chroma:document": "Navy Federal has absolutely changed. Today I got two of the rudest most condescending agents over the phone. It\u2019s so difficult for me to even talk about it. I\u2019ve 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\u2019t 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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1bd3a5d3b22e4e6aa4e517747d894233
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 00133e72ff96473080c4fa4e557feaba
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6fcb8b1371544017b8cb5384c45fe9fd
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d8c09fbfe66d42ac8a403bdf96991caf
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2298607af0fd4e89b061d5810d69a5e3
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{"chroma:document": "Had an account with Navy Federal for years. At least 3 times this year I\u2019ve 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\u2019m a hard working mom and I can\u2019t believe this even happened to me!! My son can\u2019t enjoy Christmas because of this. I will never trust them ever again. They are scammers and liars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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\u2019ve been resolved had they simply reached out."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5831a88ecd964136977bdedafa0b89ed
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 477d0daf09bf45d0869919d798331624
encoding: FLOAT32
metadata:
{"chroma:document": "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!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64103f0bdd614f9f94d1fdcd2278de02
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{"chroma:document": "Every time I call, I am on hold for 30 minutes or so. Then I usually have to be transferred to another department. I\u2019m about ready to leave and get another bank. They need to beef up the staff, because it\u2019s awful now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c30b4b7b02174f22a2d23369362b06e9
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2b4d439fdf449a1948ca892536b5201
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 256a8a412dc44b23af3ba6726e0d8d55
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{"chroma:document": "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! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0fb50691be724bb0803c0d5957cda35f
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 718829f63c9342e39899a7fca2fa86de
encoding: FLOAT32
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{"chroma:document": "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\u2019t 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\u2019t for my credit I would\u2019ve been left. I\u2019ve been banking with usaa for the past year and I think I\u2019m ready transition because this is unacceptable treatment for a veteran, it almost feels like discrimination."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3531a8f69df84aa09a35a8c0fc71646c
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{"chroma:document": "I\u2019m 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11cdb2a267bf4689b8e9bfb7f629dddc
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c9ad98432ba4db1bb74c21ee55ea249
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 337f4c78cfe24bf194fd88cb04a71eb3
encoding: FLOAT32
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{"chroma:document": "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\u2019t 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ff056db6865442b8f368e369abbefbc
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9317454e171c47caab0296a8366131c9
encoding: FLOAT32
metadata:
{"chroma:document": "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 \u201cYour Money Is In The Acct, you can use now\u201d. We are fighting this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5658026d62944a73b9e1983f17388c83
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd3e7de6643548d8918d6b5aced1a5b5
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{"chroma:document": "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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 762220fbff394b7c8dae3b3d264854e4
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29b7abf99987464a8265fc5c7f5eb5fd
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{"chroma:document": "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\u2019re 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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c1ef5b9b5f74b1ea2ff3784ededf0ea
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metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc51e359a27940b4aa4764f197974b04
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 813a2d61de7b427fa3f0aca7ce7a66d1
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{"chroma:document": "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.."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d54bedf5b11442a1be9b3c3f49e49fb8
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08e9f02a34db49ee85beed301009292b
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d4930c3d98ba424ea0dd27c5abf7b9fa
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24a822a179eb4db99e9daa6f5a518b36
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metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5f608fbece9459e824b7f2e21aeb8f5
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2849cdb409ff430fa8d07478bdeb2641
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{"chroma:document": "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.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b7b54fc90c5e4c1b8634cba64a190be7
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8fba8594a95844f79ef5ba3855bfa229
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8cd48730fe064fa099170857685ec9c4
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metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 00cb684e7d6a4afcbe1ef2c86545c606
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c81e18808d4478684740f947ed4123d
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b017255fce5a4b31bc52f0c109224ee9
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 47492a21d41b452fb7cc9a571da28572
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{"chroma:document": "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.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d930ca95c7ea43edb0e4c18638a8d793
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0d83ee872fb4f6fb013c69c9dd31608
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79e17b804f174497b7b25433d3d70110
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e2af62528674b9baf708a04d6bf256f
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58433c6cd87540838ec5ee4bb25857ad
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9457ad5922b044d49d7973a3d0026c0d
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88e26d03830d46219a1c6b84603cca3b
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I\u2019m 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\u2019m 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\u2019t 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\u2019m self employed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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\u2019re 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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9a3c32defc34fb8a4a529885505392c
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2997e427ff034b6cae3acf4911f218b2
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{"chroma:document": "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\u2019re three weeks past the original closing date. Supposed to clear today, then nothing. Crickets. Horrible experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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 **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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\u2019t accept that document."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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\u2019t have access to my money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a1c1b6cd4c6434db997a399dbef8fb0
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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metadata:
{"chroma:document": "I called to dispute an unauthorized charge on my debit card and they wouldn\u2019t 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e5d32bb83c74ec4a85fd30fcc872152
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 940cf2372da245dfa20b06ea06dff7c1
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c59d1058d9c4bcb92c9b33d38ca4922
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{"chroma:document": "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\u2019s 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\u2019t 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"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e48b1a9759bb4f4eab32a157734ee487
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a9b8f31562684b4f946f7c52ad242ce7
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{"chroma:document": "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\u2019t know if the actual loan officers, are contracted or what, but they need proper service skills. For her privacy, I\u2019m not putting her full name, but R. ** was so rude on the phone. I decided to go with a whole different company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec4fae6c00994b58b4fd93d0bd68b242
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 300586c4c53f42c29fc5c7e3a5d4fec8
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{"chroma:document": "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\u2019t look at the numerous documents we provided. Bye NFCU. I\u2019ll 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85736f21ff224f868bbed46c2627ede3
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55f3665476474f13a37527f55483eac9
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd5998a8021648589f01692aa5c04ec7
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0dc8f6f8e0240a5b56ec67cb0e61ad3
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 332e0353ebc14537b4c7fce0254a7d33
encoding: FLOAT32
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{"chroma:document": "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\u2019t 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\u2019t 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\u2019t end up finishing this refi with NFCU."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f051f1563ba47c1a7a1c74a356b90c2
encoding: FLOAT32
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{"chroma:document": "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\u2019t more than 5 to 10 minutes before I was invited to walk in."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11c1639dacc04af590066871f80ce012
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 372755efba2444a18bd98b5ee94ad187
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 28bb69dd7dd9438f82ad824bfb754761
encoding: FLOAT32
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{"chroma:document": "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 \u201cin review\u201d 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c45494f9f9fb429b8ffe79bbdb1526f0
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c4fb9e56bd747f990c7727fd4bd1fd1
encoding: FLOAT32
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{"chroma:document": "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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9437734c57545f9bcc450c551e0a244
encoding: FLOAT32
metadata:
{"chroma:document": "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?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81a0d0509aa4453d94b2092737257de2
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f4d5463740b4d48964f31eca44d0e31
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0b4ef3b45bd42a8b94154747435636d
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c358a1bd35f4f1081fb329aa98aff0f
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 59517fcca2bb4e07bf769bd2db9819e9
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0beb0ea6e685429d84350eb59882d532
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{"chroma:document": "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!  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f8f84e52341448d9b497d65b90d103b
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Navy Federal for 5 years. I am very satisfied with my accounts, the customer service is outstanding and I\u2019ve never had a problem when it comes to questions about my accounts. I highly recommend this credit union."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b046dd6c6fe34998b0846053d98834ba
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019ve never used one, ATMs are everywhere! Love it!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d2b8800c7284d1ca8f24d5e7d203cf7
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02f12fe4ba284a6c82362e7372fd11a4
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 853c82730cc7431587ac0eead47424ea
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2abcdfdd3ef84c2c91fbbe3f3cb24521
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a6d1b7eee504603aaaa961d62c9815b
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 988e7d54f074454f8d366a5847811987
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13ab07c3a544415a951c574c57c11e40
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3b19aa977b04f9f9ab1a2c39ad12721
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{"chroma:document": "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\u2019t work. Finally emailed docs to loan officer. Beware the \u201cfloat down\u201d 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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b323ee50667c4eeb913640004f8fd11c
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2efab2017b044c969721abbe9d755150
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4d5c3bf60334a05b119bd95a6795e96
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1bdc328b06f42d09d9339b116a5accb
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 926d8378adc34598aa9f649e9f546f64
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 895852f2c42e4cfc9ddc3651a1a83a6d
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{"chroma:document": "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??!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8400cd5548764ce1bad24c526f8dc9a0
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{"chroma:document": "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!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22a2154918ad4f9b9ee997b570fc4a0b
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bab67c77bbd34058852f052dc6a4568f
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1bc4671c0bb9443aa43873b065d593ca
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0dfacd9bd9d849f4a282826eca4a9849
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9e2ceb212084529be279b8712ae05c9
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1dc5598286cb4dae8c6ba6c2c1d90ae2
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 405600bb204a400092c234962d53b223
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{"chroma:document": "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\u2019s 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39e773813f0545de9c8372586a40da20
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79dfecdc8ddd4b04913d27ac3ad6249f
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{"chroma:document": "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...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41b9a35ae36d4d199ba0faa8f7a70b71
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f610ab48d7046e2b8715d5e37664f31
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 051b018276f14a37b69e6a892a070e74
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d72b6cc0028741aeaddf3205bc8ef8d5
encoding: FLOAT32
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{"chroma:document": "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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57f6559b8c4546f99338ec0c0a3627de
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc74920704494be4ace8a978ca4aa8ea
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0cfa35ed2aee43b0a6f48df5d9a21fb0
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb6a1b7a107542a8aa4f5dd6d9e3aa63
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85f62dae741f48cda765aa2bcf8840d6
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{"chroma:document": "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)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5bde9f2627d4b9094e1ba014a4cb49a
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d0064d16dde4298a029bb386267d15a
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3fb9f1c1e2c44eacbe650147ab2069f5
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9247d98f6ab34361b7a0a69dba95f4ec
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b18cc63b52c4f5ca9611fda6f0b62b8
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b5890e74676498dac914937cd2c94c1
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I was attracted to Navy Federal\u2019s 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\u2019s 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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 25a167c43b6343099424acb21bf55284
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{"chroma:document": "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?!?!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 314668aeea5b4b46a1f26c250effdaea
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metadata:
{"chroma:document": "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.  "}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 37fb67af4715434d919a6c1d415f02e7
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2300efa10ee435a93948ae11f58b1b6
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad05abfa8b7c4867b9dd69d169750b5f
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{"chroma:document": "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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f56a370d85747e788e8796bff82b975
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{"chroma:document": "I\u2019ve read a lot of these reviews and I\u2019m 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\u2019re selling. I\u2019m only keeping USAA because my direct deposit is available early."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d5d3ad3f277426599e6e133b7ef166a
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d7e71ab15a343fdae08eace02dbd558
encoding: FLOAT32
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ac185f7c67b4d1abd36c060dccbd2cb
encoding: FLOAT32
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{"chroma:document": "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\u2019ve been avoided). Do yourself a favor and choose a different lender."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5614dbec55a94abd9a20f0a32f8387cf
encoding: FLOAT32
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{"chroma:document": "I\u2019ve 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\u2019t 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cff49c7a4b094cc1b658a686f18382ad
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e2eee1efdb164d1c8d8a43cf98dec7cc
encoding: FLOAT32
metadata:
{"chroma:document": "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...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5ab505f78304d0ab7a20e12ee7c7de7
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a54b8a4976c248d9956dd65216eadd6e
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019t 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\u2019t use their third party companies which are as bad as they are in mortgage. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae49451733a44e2b8349e2f41cb7a159
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e26efa6aaa434bc4906df0da0b470d58
encoding: FLOAT32
metadata:
{"chroma:document": "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:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e8c006df712b4aa3835354292fd9b455
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08e5f565c1f14e50a9fa7b99615be806
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e6da3bd3cf54a5889ea4f07adc38e75
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02c9e08da59e4c37a7b182b14c8cc298
encoding: FLOAT32
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 965362213de84599a9500046df03634a
encoding: FLOAT32
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{"chroma:document": "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\u2019s 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\u2019ll close in 3 days, if not, you\u2019ll 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\u2019s really nothing we can do about it. I would give them negative stars if I could."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca658c0ab78a424ba4ac18e88fff0f43
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62a9b8ff3ec54ded812af6d4f2246357
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7225a5069cab4597997a4403f2a22ff3
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0f2df165f344ea397bb3d726662c732
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79831886908c440e9c5e3198c0058aae
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1f5e52a130934e5385c903d6c50f8115
encoding: FLOAT32
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{"chroma:document": "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)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 398cd3f5f9ed49f7bfdd2fed608e5261
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{"chroma:document": "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"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3e16227ba4b4e04880b517dd2186c72
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b5d7f25298742a289ec7d8cc3ae7ee3
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f73ca2895bb04e648cfbf3f809b3d544
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3997537786934c04af1c7ff656ad841b
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a4cde1d2ea04636bea71a6e07786d83
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{"chroma:document": "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!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12f56fecdb7b440b9683493c1f8b8466
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e6d9777b0de548a6bd249e523d8fbb06
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 95073f0681c74a08bdbafecb34bb748b
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 65299fb1cc9e4135ac899a37ce788804
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9667d4c6de5548bf9fb0c6242d887b2e
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0015089fa2c149fdaf6180491501abc1
encoding: FLOAT32
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f78bd25f3edb41a1b55343312833021e
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{"chroma:document": "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\u2019ve 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\u2019t 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 158b3a2e81db4314a1677f4bad1ec843
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d4474a57e12d4d069cc35236937f5334
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 711731d812da4530ba71b71ac4a31f38
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 15e0516e5ee54a92a0fca401d3048f87
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53849dd9d58444c0bfed233f29007ae4
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5937dca361de4eb0b451b503ca126da0
encoding: FLOAT32
metadata:
{"chroma:document": "I contacted NFCU and inquiring about refinancing my home loan. I was assigned to a \u201cMortgage 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 \u201cMortgage Processor\". I contacted them again and asked about the status of my application, the \u201cMortgage Processor\" replied \u201cApproval letter has been sent out\u201d. I waited another 30 days and I did not hear back from them again. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 167fb3e5b8f84d6ab27e8003fb91de1f
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79fa7a00c90e4311b1f4e5a4f4a29ed9
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f2c3fbbb1f1466a9b4353d908ada40e
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{"chroma:document": "I applied for a home equity loan. Prior to do so and to ensure we did not waste our time or others\u2019 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\u2019s 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 \u201cMolly\u201d, a processor. She advised we were declined. I asked why, and she stated in a demeaning way, \u201cYour credit score is 537.\u201d Her tone clearly presented her prejudice against that score. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b9ae57aebb14911b7d197c7ad6150c1
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 117b7ffd09b64f449c2765b06f447fec
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1820eaba810c422eadb1bc44d48481d2
encoding: FLOAT32
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16966d1f4474468baa8010c70111050f
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metadata:
{"chroma:document": "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!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 00adb10e270e4d64ab088ea9513df6c4
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metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c558cc7b86146a29e1b80a4c4e1c4a5
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{"chroma:document": "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\u2019t be farther from the truth. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc3701859c8d4854bae4e49d6ddaeca9
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 33ad4e5654cd4c9fb724585247050b80
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dda16072b1ce4bd0b87aa69426cf6103
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d7cc482335c4f08ba209aaadd33cd99
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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\u2019t 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\u2019t 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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 84b28262cf78444a9db9324efb8e90e5
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 767373804801424aabc4843c438093e0
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09810c18a4c74fdca6aa842fbe11cfad
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metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ddb885e800f48ea8e716ffd9b97f5cb
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: beffb24fa4eb4d1d8f719b9d94c16181
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4210129798ec4588906b98c18d564a74
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4585401d0e424d4ea655d6b2c3d6f5cc
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9777312ba4ad42fba20b268ec2157b69
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{"chroma:document": "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\u2019ve ever encountered."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1073a74b9a2e4c3b950f81f49b7bc3ab
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metadata:
{"chroma:document": "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\u2019t have been more wrong."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 42eebc982ca24fe2a6e203426c650cfb
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e2ab1fae12144fe888cc2b273b9bdc7d
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a659976787349648cf5aeb8e07cf584
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6c83a8119e04b77a65b9fe1525eb117
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e19140c190f47b68c41f8e4f3633845
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0342c8f43e34e549b1d86f64bfd7f60
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b34dcfb6591e4706854bf2cdcaf4a8ca
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d7ba614bbf1042aeb7cea36ee481b346
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8325e57a58754f85a0c25a60e31af702
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24e31cfa44154ca2962d1b0fb9a140b4
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019t told this until I got to the dealership so I\u2019m kinda stuck now. So I the rep wasn\u2019t able to help me there. So I finance through Capital One (idk why, I\u2019ll take blame for that) 22.2@10.11%. Mind you I\u2019m 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bebb12cd07d14707a0d573706113c308
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 941dc572bf374149a584cd82e44de96f
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1db5bb52978c4929aae8eb282e7bdffc
encoding: FLOAT32
metadata:
{"chroma:document": "Best mortgage I have ever had and I have had several. Great company all the way and they don\u2019t sell your mortgage. Excellent service, rates and options. A really good experience. The company is only open to military and veterans."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b3a9c1fc7f74462fafa6308ff3ba6768
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a72474ff435f474b9decba23e539c21d
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 89f5a4463e4b493392f1f551ae8297a0
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7dd9b4ae9cab4f9fb6210cd35dba6c9e
encoding: FLOAT32
metadata:
{"chroma:document": "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)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 625a2964d2cc4018b76c32ba86968e26
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a6c817f437a492a843967584f89a3da
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0d06974f5c04ebdacd282fd75222f82
encoding: FLOAT32
metadata:
{"chroma:document": "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?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 290d1a082e7045d684143346110dda1b
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 224edf7cfbaa4440bdd8fdad1d6812f7
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d39d7459d7534025ae3ae1007eddd8b8
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b65eb116262740f8b91a9fff9710e916
encoding: FLOAT32
metadata:
{"chroma:document": "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! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a7afae0ad914871afefe68bd89937bf
encoding: FLOAT32
metadata:
{"chroma:document": "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!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0993ffd7a1ec45d69a8536f83e8a3bc9
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b30a0b37f5554fad8a69bc415a3c5b20
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9274e8e850874fe0ac84d8274e696c4d
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 44f09eee294a4997a1a0f785e37204d6
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17380cd81c314fa891cc5bd0c26d0923
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 049beacdf58b4fc4bb299cb3de1bbfff
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1dde26849c44bfa946588d72bd17c3a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d84036d133874182a768d207ea53c869
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfd37eef14c645de823472502c09c6cd
encoding: FLOAT32
metadata:
{"chroma:document": "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??!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6e2f7a759c13479d8908ff064bc90449
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7eb62a6a9f84efa862d6182a5acb425
encoding: FLOAT32
metadata:
{"chroma:document": "They stole almost $300 from my savings account and refuse to acknowledge it. They are thieves of the worst kind and I wouldn\u2019t recommend anyone to bank with them. The customer service is terrible. Expect to be swindled."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d0c71d81118473caec1ae118c21e239
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ec3bda3971e4da1a6b5542fb013e32e
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 40f5785059eb4feab4594446b205f690
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eab82e913f9d45f2ba677f28157489a4
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da4beda85ff4458eb6ae9ad066a1d802
encoding: FLOAT32
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22087081d06c4393812dd22e992df1bf
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0830e3650ec54c4f96bdaa045be50398
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{"chroma:document": "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\u2019ve attempted to get another piece of equipment financed I\u2019ve been turned down. I can\u2019t understand why being that I\u2019ve just about paid the first loan out and I\u2019m good standing with these people. It's as if they don\u2019t want me to grow my business..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 106440d96db54d728f8b3f65e9d31723
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc5799c9a998436285fbf0a25aa22470
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fbf922a8551d40f884e2e982c2b0a8c1
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 47a17599270d4123821348cd53fbebaf
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21430a0f33e449258fd5131b5167d62b
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8365bbe89bdd4b4ba9df66f213992619
encoding: FLOAT32
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{"chroma:document": "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\u2026"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29c8bc9a33aa44ff8c0136ae63f336d7
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd4701b6909c43e78b5147e751d83f2f
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 31c10ccb50b64b098c55f0ba0d4d20a1
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{"chroma:document": "I recently had an uncle who was killed accidentally in a car accident, my family sued and recovered a settlement, of course, it\u2019s 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\u2019s checks for Christmas from Commerce Bank. Navy Federal put a hold on the \u201ccashier\u2019s check\u201d during Christmas. NFCU could call Commerce to verify the funds in five minutes. NFCU branch superior \u201cTeresa\u201d actually said that Commerce Bank does not verify their cashier's checks \u201cREALLY\u201d, 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 \u201cKate.\u201d Because \u201cTeresa,\u201d refused my call. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c1f613b3e1c4718be66c0ff5f1ce787
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{"chroma:document": "*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\u2019t even submitted all required docs nor schedule any Appraisal appointment! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93a53a1d5e2a4cdba83cfe58dbb79e6b
encoding: FLOAT32
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{"chroma:document": "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..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05d4b100ebb546408df841b73467d8fb
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73a2d7be5a124d6d9df3d2479c40f121
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e447cfb3de18480984e5cdb69990edb4
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8da37be1413a4efc902991ebcb07639c
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cac98bd24203481b9db942dbcbcd56e1
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{"chroma:document": "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\u2019t get loan."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f66fa7f3cbe64cfbbc462dd4921ddddf
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afd53d27d3ce483e97e6e463366d868a
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a088263bcfba43838625b6ebd6127d2e
encoding: FLOAT32
metadata:
{"chroma:document": "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!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17ac224e11ce41be809e63eb5afcb963
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{"chroma:document": "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\u2019t tell me that it\u2019s 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7303a6c534134e81b80d416159a0256c
encoding: FLOAT32
metadata:
{"chroma:document": "If I could not give this company any stars it would be great for them to be affiliated with the military. They don\u2019t take care of the military! They do not honor SCRA whatsoever! I sincerely hate this company!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05d0d25ab0b84d3fad05dd8516a46872
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{"chroma:document": "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\u2019t 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\u2019t help me recover my funds and person who use the branch in my name. Plus I don\u2019t have an account with Navy Federal Credit Union at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f01bccf9e24a44e794315baeac934bf2
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metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90afd07a053d4c34bcb74c9164ff8128
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24ef1ab21fb34f349cbcaf9524667089
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ad25b51ddf642b2bc460e6778e8870c
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de7047497f9f443ab40a9247dabee3f3
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 26a65223f7f545d9a83aef0b7304dec0
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54841714f9754009adbe6228cac2a5c1
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f6e84191295e41adb201fd97069ae432
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e26a99296b64a488cf1320539040719
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0abe13961b0d403db211975574a4e175
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41fa46fe3cf24c518a67ed6a6ddc5499
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad58ea02b9bf4d5cabbcdf58626e3103
encoding: FLOAT32
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{"chroma:document": "On 8/18/19 when going to start a business acct I encountered rep: E. R.(I won\u2019t blast her full name for confidentiality purposes \u2014 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\u2019d 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\u2019t 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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ba2e3a267834da18b4044012319d588
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d55d33815e84c9085b00e337936aa6f
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8c501da143ac46ceab490323dff7284f
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5528f2e71518451d9262823f7de8052c
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 71de7c1149954b72a827bba675044ee0
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 316c7e5293524d3d9791df6475a1222a
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c47f3c32a8744a7a1b372066f7998ed
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 727b9b54cb4c42f9baf4c2b304cebd9e
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55d57d5515af47eeb16a38c4b78f4cad
encoding: FLOAT32
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{"chroma:document": "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\u2019t 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\u2019t really believe me but I told her it makes no sense why I would eat at the same place 3 times in one day!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb7b24bdc35d4e1eac215d28bfacbca8
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{"chroma:document": "I\u2019m 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\u2019t know where the money is! HOW?! That doesn\u2019t 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\u2019m 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 967f5e61264040cfbae0cf36ee1a9842
encoding: FLOAT32
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6bc69801dcd24538b9f5a0c34f41bd17
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c89c42f24af4a91938f36312555bbce
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{"chroma:document": "I have had 8 years to finally come out of the fog that I have been living in. Eight years ago I had to go through trying to save my 26 year old daughter from drugs, we got behind our mortgage, for 33 years we were never behind paying our mortgage, at the time all I could think of was saving my baby! My daughter died in 2010. I then tried to get back on track with our mortgage and try to save our home, especially for my son. When I called to get help the women I spoke with just laughed and said even if I tried to pay I would lose my home anyway. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6e26c1dd4d504aa782a5e0e658517c17
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{"chroma:document": "Have been fighting almost a year to receive my money that was taken out of my account by Stg Auto Chrysler and Santa Ana. It seems I jumped out of the frying pan into the fire. These companies have taken everything. Chrysler wiped my account out. Chrysler lies and say they didn\u2019t and the proof is there. Stg Auto refuses to pay back what they took. It had no reason to take credit card payments. I didn\u2019t even own a credit card. No security alert. No call for unusual activity. Nephi Navy dropped the ball. While I\u2019m fighting another 500 comes through. No mention of all of these charges. I\u2019m finding out by different representatives as well as different rules. When does it ever become OK to lose your money and be told it\u2019s too late or it\u2019s been too long. I give a damn if it\u2019s been one day before Jesus returns if I didn\u2019t authorize it if it wasn\u2019t my doing and if it was my money and I didn\u2019t spend it it\u2019s due to me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 141542a25a7b44bd82f7733c821b7950
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{"chroma:document": "Navy Federal Credit Union you should be ashamed of yourselves. So this is how you treat families of our service men and women. I've been dealing with these people for over 2 months now. All they did was put me off, keep me on the phone for hours, make me fax forms over and over again. They told me my check went out 5/31. Today I find out nothing went out, nothing was in my file. So I said, \"You guys basically just lied.\" She said, \"Yes.\" This is totally UNACCEPTABLE. I will continue posting, filing complaints everywhere I can."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c22bd71020a4171aee073a811eb0a04
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{"chroma:document": "This credit union is completely incompetent at sending international bank transfers. They cannot seem to comprehend that other countries do not have things like postal codes. They need to hire people with some international experience so they can better understand how to do business globally."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e558ff5b0a146e5b475c25c118349a4
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{"chroma:document": "I applied for membership at NFCU 6 months ago. I opened a savings account and deposited money in the account. I then received a credit card from the company but was never given access to the card because the account was restricted. They asked for verifying documents of my address and identity which I complied with. Never heard a response back from them. I had to chase them down and asked the status. They told me to drive to a branch location (nearest was 2 hours away) to provide the supporting documentation. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dcb01e6a39cf4cbc853da904b50be127
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metadata:
{"chroma:document": "Navy Federal Credit Union has worse customer service than NetSpend, my wallet was stolen. I filed a police report and fraud claim on charges that were on my card. For three days I called and they did nothing, mind you I had already been into the bank and she did not tell me that they had frozen my account. She just gave me a new card and said it would be ready to use. I tried to go to the gas station and found out I couldn\u2019t do anything with my account via debit card or in the branch."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11d73befcff9422f99b31e60efba8672
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{"chroma:document": "What a lousy organization. $1 Charge to withdraw money even from their own atms. 5 day hold on checks deposited. Others at least release 10%. Staff doesn't seem to care. Why do business with this organization? Not me. Average rating 2 stars well deserved if not less!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 000d0105e64647c8aad87a030b8e3c0f
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metadata:
{"chroma:document": "Today was launch of new system. I can't get in to view account details and balance. After updating with new password, screen is blank and because it is after hours there is no one to help. New system should have been thoroughly tested before implementation and there should be extended customer service for implementation period (at least a few days)...apparently neither so that the type of customer service to expect. Other negative review about 30+ minute hold times support my opinion."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: caf7d5530d2e4636a73cb8893260ff0c
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{"chroma:document": "The reason is they are a terrible credit union! I will tell you that they do not know what they are doing. They approved my mom's check I deposit on the mobile app. My mom forgot to sign it, I did not catch it so two days later on they just froze everything. I was really upset I called the security of the bank. They said, \"We cannot unfreeze your account for five days!\" A weird lady started asking me, \"Oh you have too much money going out of your account!\" She was asking me questions that did not pertain to the check. I was upset. I went to the bank to try to close my account and they said my account is frozen. I was upset I started cussing and I am 100% disabled Veteran. I am manic depressive disorder."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I regret opening my bank account here because of the problems me and my wife have encountered when we have to service our account. Maybe you will be lucky and not have any issues, but anytime I go into the local branch every worker there has an attitude and gives the general feeling of not wanting to work there. What's worse is when I come to them with my issue they correct me as if I caused the problem. If that's not an example of poor customer service I challenge you to find worse. I tend to be an understanding guy, but screw the idiots at this bank and branch. Even Wells Fargo wasn't this bad."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have been a member of NFCU for 43 years and have found the credit union to be top notch. I\u2019ve had bank accounts with other banks over the years. Primarily because the company I worked for would auto deposit my pay only at their bank. But I have always maintained my NFCU account. NFCU has financed every car I\u2019ve bought in the past 20 years and they even finance my house. The staff are always friendly and go out of their way to be helpful and resolve any issue that arises. Everyone in my family is a member and I encourage everyone who qualifies to join."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I and my business partner took an early Friday morning off to set up a business checking account at NFCU. I had everything prepared application, certificate of formation, consent from directors and an EIN verification. We arrived at 1000 hrs at a branch in Sugar Land, Texas. We were told to wait in the lobby and within 5 minutes a young man shows up and I noticed that his badge was upside down so I let him know (this was an omen). He explains to us that not only do the two of us have to be on the account but our 2 other Board of Directors as well. I tell him no, that does not sound right. So he calls the business HQs and they tell him that the other directors do not need to be on the account but eligible to be members. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I've seen a lot of post bad experience, but mine has been by far a really good experience. Any fraudulent activities on my account had been taken care of immediately regardless if it was my credit card or checking. I recently found out about getting my paycheck released a day early and that is always a plus when something happens. When I need to get that done, the rep just verifies some information and my funds are available within minutes. Yes, the return check fee is a bit high, but that's where you should be responsible with spending. I think my only issue would be that the interest on the credit cards are too high. Other than that my family and I all love Navy Fed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I wanted to refinance my house, and in talking to NFCU's representative, they said it would be faster to apply for membership with a deposit. I went online several times and tried to get an account. Their temporary pin and verification system was a nightmare. After they gave me the loan information, I decided not to refinance. So, about 20 months later from when I opened my account, I got a letter informing me I owed NFCU money. I discovered NFCU had been charging me $5/month for an \"e-checking\" account from my ($100) savings account. I don't know if the checking and savings accounts are severable; but if it had been an Everyday Checking a $50 deposit would have covered any fees. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "My husband is been with Navy Federal 24 years. The last 5 years Navy Federal is a pain in my **. Customer services is the worse. They no want to help or have some excuses, I have two loan with them. One is a consolidation loan. I ask for put the 2 loan in one. They say, \"No. We no do consolidation loan.\" Really? I have one with them, I no ask for more money. I ask put the two loan in one payment one interest. They say no, they want to have two payments. Every time I say this to another person say this is really no right that why I change bank. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 275b744a0ed743c28bfdfabba0a817fa
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{"chroma:document": "These idiots must think people are stupid (maybe we are for banking with them)!!! I had an available credit of $10,350.71 on my credit yesterday. I used my card for business purposes and spent $4,125.54, which left me with a remaining credit of $6,374.63. I made a payment of $6,000 after my purchases. This should give me an available credit of $12,374.63 once the payment clears. I went onto the site to see if the payment cleared, and found out that I had an available balance of $2,374.63. Then it showed I had a credited amount of $4,009.78."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I've been banking with NFCU since 2000. I finally have the chance to find out how their customer service department and \"digital service department\" treat their client. I have a monthly direct deposit to my account hoping to accumulate funds for my kids future. I forgot my password for online access so I contacted the customer service department and digital service department. I went through almost 6 hours of hassle attempting to have my \"code word\" removed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I applied for a pre-qual mortgage letter and received one after providing all required information including the fact that I have an approved retirement date. Having received an approved pre-qual I signed a contract on a home, paid for a home inspection and proceeded with the purchase process until I was notified that they would in fact NOT lend me the money to purchase a home as I was retiring in eight months. After I was denied I asked if they would please email me the credit report that they charged me $18.50 for and they refused stating that I would receive a copy from Equifax in 7-10 business days. Even though they had a digital copy of my report, they refused to send a copy to me. I have borrowed from Navy Fed for mortgages twice before without issue or concern but the level of service and lack of thorough screening in the pre-qual process cost me $348.50 that could have been avoided."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "My husband and I have been going through Navy Federal and taking advantage of his VA benefits for our new mortgage. Navy Federal has been the absolute worst when it comes to this process. It started out great, low interest rate, getting information over to them and getting decent feedback. Then all of a sudden our rep through Navy Federal dropped us to a new person. We have since then been bounced between these two reps without any explanation as to why. And that person then started asking for information we had already provided. Claiming it wasn't received. Then we would get the info into them again, ask if they needed anything else, receiving a \"no\" response."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "We have been with NFCU for 30+ years. We recently applied for a mortgage loan and were promised for a prompt response. We have an outstanding credit 800+. It took our mortgage officer over a week to call us regarding our application and it was very apparent that she had never looked at our application when she called. She did not even know who the vet was and I had included the DD214 in the package. I asked that her supervisor give me a call. It has been six weeks. No call. I have called and it is impossible to reach anyone to speak with them. We went through NFCU before and it was wonderful. Their practices and ethics have taken a nose dive. Do NOT use this company. There are no longer any ethics. They will lie when the truth would do better."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "I didn't care for them the last time I used them. I thought well maybe things are better after 10 years or more. I was wrong. First, if you have any money in your account and you are late on a bill they take all they need. I've talked to other people this has happened to. Second, no matter how many loans you have they will be due on the same date. The date is based on your account number. Apparently, the 11th is my date. I asked a lady to change it... her response was \"well... pay your bills a month early.\" While that would be nice, I hope to get to that point. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21bec62b1bc64b618051fb53e96a934d
encoding: FLOAT32
metadata:
{"chroma:document": "Navy Federal notified me by phone that someone was fraudulently using my credit card. The representative advised of the charges and situation and said they would handle it, and not to worry. I kept in contact with them regarding the additional charges that were made. They cancelled my card and husband's cards and sent new cards by overnight mail. 3 months later the larger of the fraudulent charges were placed by on my account with my knowledge. I went online to make my payment and noticed my card was way over the limit. I put in a dispute for the charges and the agent basically accused me of lying because there is a chip in my card. Since I'm not a criminal, I know nothing about Chips. I've spoken with 3 representatives and they still have not removed the charges. My credit scores have been affected by this, since my card is over it's limit! Terrible customer service!!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aad8d277faae41cdad04fc9a93f31ffb
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{"chroma:document": "I've been a member since the first few weeks of boot camp in Jan 2001. In that 17 years they've only me no once when I needed a loan or credit and had nowhere else to turn. I'll admit the interest rates could be better for some of the services, especially for a long-term member; but they are still competitive with the market. Overall, I love being a member!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc646e7ba5864283bea28c664876b341
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{"chroma:document": "My husband and I have been banking with NFCU for over 7 years now. He was active duty in the USMC, but now he is retired. We also bank with Truliant, and the only reason we didn't use NFCU is because they didn't provide the type of account we needed. NFCU has always really helped us out through many different situations of financial hardship, but I'll just share the experience I had today with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1198a483037b4143bffb78a25ddcbb58
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{"chroma:document": "I had applied for a small personal loan. I make more than enough money to pay the loan back but we had an emergency and I asked to borrow $7K. I have been with them for years. Twice they screwed my credit up by making hard inquiries and denying a credit increase. Last time they put it in the system like 8 times and it dropped my score. My credit score is in the 600s. It\u2019s not great but could be worse they told me. We use not only credit but other factors, after giving the woman my information I get \"oh I'm sorry you have been denied\". What? You know that after 5 minutes on the phone with me? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9aea3ccb2e8466b848adf4f5808304f
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{"chroma:document": "I paid a credit card off in full to Navy Federal. Had payments taken out of my Wells Fargo account, told them to stop after I paid them in full, Navy Federal would not stop nor would they despot the money back into my Wells Fargo account. They said I gave them permission to take money out... not for ever. I did not. My account was paid in full and they kept taking money even after I told them not to... STAY AWAY FROM HERE. Going to a lawyer. And they are charging me for my checks I charged back to them, going to small claims court. DO NOT SET UP AUTOMATIC PAYMENTS. THEY WILL NOT STOP TAKING MONEY!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e96afc2d87e149489d6a0113aa3ef76a
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{"chroma:document": "This bank is horrible, they help themselves to your hard earned money! Don\u2019t dare have a emergency and be behind on a payment, not only will they take it out of your account without your permission, they will freeze your account! Thanks for being understanding Navy Federal, had a family emergency and they took my child care payment out of my account and left the account in the negative, now my loan payment is not 5 days past due anymore but I can\u2019t go to work!! Wouldn\u2019t even let me make the payment up next week!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4cdc640e2a44866a180b22c323dee78
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metadata:
{"chroma:document": "I lost my car in electrical short wire 5 mos. ago. So I wanted to get car loan for another car. They \"no\" in 1 minute now. My credit is low now. But I have been with Credit Union for 25 years. Now can't work any overtime because of no car. Well I'm upset. This credit union get 4 F's in attitude toward Veterans like me not let succeed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0455cce533e4d5da05d7cdd0edb01e4
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metadata:
{"chroma:document": "My husband deposited the gift I gave him into Navy Federal Credit Union. Navy Federal Credit Union kept the deposit, froze his account and lied to both the CFPB and Senator John McCain about the deposit. I found the CFPB response letter where Navy Federal Credit Union states the names provided do not constitute sufficient information to enable us to identify any applicable accounts at Navy Federal Credit Union. I have sent a copy of that letter and Navy Federal Credit Union account statement showing how long the account has been open to both the CFPB and Senator John McCain."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 72c96fbed94f4ea3925e11ea66bb0b05
encoding: FLOAT32
metadata:
{"chroma:document": "This is the second time they took my money without my authorization. I had an overdraft account that I told them I would pay off in December. I moved over $300 to my savings. They grabbed it out my account today and said it was sent over to my old account. No one sent me a letter saying they were going to do this or nothing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f18924f86a3486ab9c043afe84655b1
encoding: FLOAT32
metadata:
{"chroma:document": "I will say I had an amazing experience being financed with NFCU since 09/2013 for my vehicle. My funding process was very fast, and I was able to maintain all my payments on time; in fact I was paid ahead by 7 months on my payments. Unfortunately, my vehicle was totaled this month, 11/2017, but the process to payoff the car was as smooth as can be. Additionally, I made a payment right before my vehicle was paid off, which had been prescheduled, and within 48 business hours of my payoff posting to the account, I had my refund amount available in my savings account with NFCU! Working in the autofinancing industry myself, I know that many institutions get a bad wrap when things occur, but I will say in every interaction that I had with NFCU, I had a pleasant experience. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c06b000e2ca4af4839c575e8b53c6b2
encoding: FLOAT32
metadata:
{"chroma:document": "Navy Federal is a joke. Do NOT buy gift cards from there - they will steal your money in a service fee of $5 per month if you do not use card. They stole $40 from my son. Card had expiration date of 1/21 and he didn\u2019t get to use any of his cards - he was saving up and Navy Federal took all his money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4befc374db4043b98ca9851aacd9e88b
encoding: FLOAT32
metadata:
{"chroma:document": "Navy Federal scammed me out my money. Sent my loan to collections as charged off, so when I deposited my daughter college refund check they took all her money. I don't care who you have debt with and who you owe. Nobody should be able to watch your account waiting for a deposit just to snatch your money to clear a debt. People fall short all the time, I have learned that Navy Federal got sued last year about how they wrongfully go about collecting money to clear loans that their customers fall short to pay. I hope they get sued again, but I will be taking legal action hiring me a lawyer. They don't care about families. All they care about is meeting their quotas to get a debt paid. They have lost my business and my daughter will not be banking with them anymore either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b40a98991c15452db79e1f37d7565c17
encoding: FLOAT32
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{"chroma:document": "Teller: **, refuse to serve me even though I was a joint owner on the account. She did not give me a receipt and continued to argue with me about having a debit card, that has my spouse name on it. They have too many revolving rules. One day I go up there and use my ID and her account number never questioned about. She decided to take her time using the information I gave her and I sat there for 15 minutes. Navy Federal really needs to educate the staff and make it known what can and cannot be used when making a deposit. These bad experiences happen at least every 6 months or so with them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bfcf73b9a07c48a691c6e5c1ec4b0130
encoding: FLOAT32
metadata:
{"chroma:document": "The Navy Federal Credit Union - NFCU allowed a third party entity to garnish over $65,000 in retroactive pay from the Veterans Disability Compensation department. This amount was awarded to me due to physical and mental injuries I've incurred from military service. The NFCU violated the Veterans Disability Protection Act of 2010, violates Title 38, Section 5301(a)(1) and violates 31 CFR 212.6. I've reported the institution to the Consumer Financial Protection Bureau, the Better Business Bureau and I initiated a Congressional Inquiry via the Honorable David Valadao of Hanford, California. To this day, the NFCU has failed to provide a formal response."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 744eb2af00f34fbfb6da2093033b393d
encoding: FLOAT32
metadata:
{"chroma:document": "Trying to get some money transferred from a savings account to the charged off debit card so I can that crap off my credit so I can get a mortgage. Mind you I haven't used this bank since I switch to USAA in 2010 for checking. I've had a credit card through them and had to finish paying off my car loan. Both ended in 2014. Had a really bad financial situation and paying the credit card wasn't important as Oh say paying rent, my car, or my utilities so I waited. Now I can but they're making it super hard to get anything done."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4a425b88acb44ea8ecdb38d50b52642
encoding: FLOAT32
metadata:
{"chroma:document": "Nothing I have ever, ever done with this credit union is simple or easy. There is ALWAYS some reason my funds are unavailable or they are taking money for credit cards, they've done credit checks on me without my permission, consistently turn me down for any kind of loan despite my having good credit and have never been late for a single payment on any credit card. Depositing verified CASH into any other ATM results in a FIVE DAY hold that is irreversible. It is the year 2017, with all the other institutions capable of doing things so quickly how is that even possible for it to take five days to make available HARD AMERICAN CURRENCY that is verified by the ATM at the time of the deposit? There is quite literally no benefit to using Navy Federal over any other institution as far as a checking account is concerned. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 36bb09f8c8b04da5ba3b5e9c960ad0d5
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metadata:
{"chroma:document": "Took in some coins to deposit, just like I have done at Pentagon Federal, Bank of America, Wells Fargo, Citibank and others over the years, only to have the teller at the Sterling Virginia branch compare the length of each of the 4 rolls to another one right in front of me this time, another time weighed the rolls of coins right in front of me. Literally the ONLY place that has done this right in front of me in DECADES. Guy at the desk said that was Navy Federal POLICY. REALLY STUPID this day and age, spending lots of money on ads and other items for customer acquisition, doing penny ante stuff like this which torpedoes customer retention. I'm a senior IT professional, upper income bracket, dress and act accordingly, too many other places to invest my money to put up with this crap."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f539b884ccda43f08a7f94cb9a719183
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metadata:
{"chroma:document": "This mortgage department is unable to do simple math. For example, if you have a mortgage that is 1,000 dollars a month and you send them 500 dollars from one bank and 500 from another bank, on the same day, they will \"apply both to principal\" because alone they do not add up to your payment amount. Your next statement will have two months worth of payments due plus a late fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 985fd409434e4992862fc701da26ec86
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metadata:
{"chroma:document": "Initially I had tried to work with Navy Federal to lower my credit card interest rate from the 19% it's at now but the manager at the branch that I went to told me that they could not help me. After a year I'm still unable to get the rate lowered. Two days ago I went into a different branch to make a payment on my credit card and today I get a notice that I'm delinquent. When I called the number in the e-mail they told me that the branch destroyed my check because they did not accept my identification; I guess my access code and password are not acceptable when making a payment. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 778611082a0d46a8aad60d76f279e294
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{"chroma:document": "In their description of overdraft protection transactions less than or equaling $5 would not incur the $20.00 \"service\" fee... What a lying crock! They had a new accounts promotion at the V.A. hospital in Los Angeles\u2026 neglecting to inform the vets that the nearest branch was 400+ miles away! I was charged $20 each for $2, $3 etc totaling less than $5 in a 24 hour period. Usury laws have gone the way of habeas corpus, posse comitatus, and our civil rights in general. Corporate America has declared \"open season\" on the public."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ccb15e60b0848e5a63571b8b6abe391
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{"chroma:document": "I was buying a home and the first red flag should have been when the loan officer told me he didn't want to start the process to lock in my rate until after inspection because processing a loan is \"a lot of work\"... That's your job. Secondly, once we knew the closing date, turns out I was going to be overseas. I called and the loan officer confirmed that my agent could be my power of attorney to approve closing costs and close for me. He even went to a supervisor who concurred it was ok. I get a Power of Attorney and submit it asap."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b03b48ceea044b22943ca6dcbbe5f1c1
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{"chroma:document": "Ok so I have been with NFCU for almost a year. When I first open a account through them I applied for a credit card and was turned down 3 times after I sent 3 reconsideration letters via message online. Ok so weeks roll by. When they call to setup my account I told the woman on the phone what happen and she had me apply again and miraculously a few hours later I receive a message saying I was approved for a $1000 credit line."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf16e81e07a4468d8d830a03b81708af
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{"chroma:document": "I just recently moved to El Paso Texas. Went to a business and they took my cashier\u2019s check and gave me no service. About an hour ago a security officer called me, because I made many attempts to get my stolen money back. The CSR's are extremely rude and lazy. This has been my credit union for twenty years. This place is sinking downhill and seems to have financial issues. The institution seems to be finding ways to rip people off in any way they know how. It is not ethical, to allow a customer to be ignored. Signed Navy Veteran who fought in a war. Thank You Navy Federal Credit Union for making me feel unappreciated. Now that's customer service..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c76424a3c03d4d56afdbb6ebf6bbfa27
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{"chroma:document": "I called Navy Federal because online it was showing a late payment on my account. The late payment showed that I owed for 2 payments instead of the one that I originally owed. I called customer service and they stated that they show 2 payments down on your account whenever you are just one day late. I told her that it did not give that explanation online. After stating this, the Representative obviously got annoyed with me and stated, \"Can I help you with anything else?\" I told her that she can get a supervisor due to her being very short with me. She asked, \"May I place you on hold?\" I told her, \"No. Please get a supervisor.\" She stated that, \"I am finished with this call.\" And just held the phone. I called her an idiot and she stated that I can not speak to a supervisor and hung up. I just want an explanation that makes sense. She was very rude and should not be speaking to customers at all. I am very upset with Navy Federal."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 369416c2444741c0ad8a589c393ac722
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metadata:
{"chroma:document": "I am very satisfied with the service and quick update of all transaction on my accounts. The transfer of fund from one account to my children is amazing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be0b186223054c98b24244b8cbc6fd69
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with NFCU for over 10 years. I love the customer service, their security and the fact that it doesn't cost me anything to bank with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f41b832740f0446993d0d4f1c8c11878
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{"chroma:document": "When my husband died 22 years ago, our account was with NFCU. I have had no problems with the credit union and have gone in for personal assistance on more than one occasion. Have always received outstanding service and information."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77ee32471a6c44549714a4e5f5cad154
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metadata:
{"chroma:document": "If you can get a membership, it is well worth it. Online banking is the best, and ATM's are all over the country. Great rates on all types of loans... can't be beat."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f20a3eefa8014863ba3434cd026d3399
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metadata:
{"chroma:document": "Sends text messages whenever there are extraordinary charges or fraud so I can call and either explain my purchases or tell them I am not in Kansas at a hotel. Very vigilant at this!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c4436417920491d955ad27da673b9e1
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{"chroma:document": "The absolute best experience we've had with Navy Federal Credit Union has been refinancing our mortgage. Before that, we had been bounced around to 3 other banks as our mortgage was bought and sold repeatedly. We were fed up with that and refinanced with NFCU. Their promise: They will never sell our mortgage, ever. Nor do we get the constant stream of spam mail dealing with the other banks always brought. They've been dependable, reliable and always courteous both in person and over the phone. Very happy we are with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5bdeca5e210d46f8bbbeef6878a1037d
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{"chroma:document": "I have my payment submitted. Paying a credit balance to $0.00 but it takes them up to 72 hours to process payment. When I called to see if they could temporarily raise the limit so I could finish my purchase while still taking advantage of the incentives I get for using their financial institution, they were less than willing. Way to lose a customer on something so simple. I can go find a credit card company that wants to work with their customers who regularly keep a $0.00 balance on their cards because they pay them off within a month. It could have been so simple to retain a customer/member. But instead you wanted to suggest that I wait a \"couple more days\" and sit on the floor while I wait for you to get your ducks in a row. No thanks. I have the cash."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 584d68dcacd04e5c80937191268d0b10
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{"chroma:document": "My husband and I initially tried to use Navy Federal to buy a house back in 2015. We got such a runaround and such poor service that I'm not sure why we started trying to use them again now for a home refinance, other than that they offer more generous terms than many others. Well, still a mistake. The underwriting process was going fine until the home appraisal. The appraisal came in laughably low, which caused us to look into what was going on. Turned out that the appraiser was a trainee. So we started the appeal process with the underwriting department. It felt a little bit like that conversation from Idiocracy about plants and electrolytes. We would give them an appeal, they would return it and say, \"You can't talk about X in your letter.\" We would say, \"We didn't.\" They would say, \"You did.\" And we would say, \"Where in the letter do you see this?\" Silence. Brawndo's got what plants crave."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: beab30ae34dd44da8a20a7d075fe92da
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metadata:
{"chroma:document": "If I could give it a zero star I would, that's how pissed off I am at this ** bank. Calling to get something resolve is like talking to a ** wall. Everyone I call to speak to someone in customer service it always leads to nothing getting fix. They treat their customer so poorly when stuff happens. There's so much I could say about this bank but I'm not going to waste anymore of my time to."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbaea77e1a3d41a4beffc9d7a7864438
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{"chroma:document": "Unbelievably incompetent: screwed up wire transfers, failed to send wire transfers and did not inform me, and froze accounts with no notice or explanation while I was overseas. YOU CANNOT SPEAK TO A HUMAN BEING so you have to call multiple times through the computer system, and then re-explain your problem each time to a new person. Finally, had HAD IT and closed my accounts, which the bank re-opened without my permission or telling me, and began accepting deposits into an account for which I no longer had access. NEVER SEEN such horrible practices -- and it's obvious that management and leadership DO NOT CARE. I over the years had over $1M there and couldn't even get anyone to address the problems. Or even return a phone call."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9273033aab1240bc8cde88176725d7ab
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{"chroma:document": "The Office in San Diego Cal 92117, they gave me false information about getting a new Debit Card. I asked for a manager and the manager continued to give me wrong information about receiving a new debit card. I then called the phone customer service and a women named Jacklyn said I would receive my new debit card the next day by Federal Express. They said it would be a duplicate to the one I had. It never came. I went to the San Diego Office 92117 and asked about the issue. They said, \"For the information but you can not receive a duplicate card\". The office did not care about resolving the situation. I was upset and told them why are they lying to me. This went on for 4 days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbd56698fec74601b79ff85fb7398c08
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{"chroma:document": "Approximately twenty years ago as a retired Navy Chief having successfully raised two, retired with 5 Navy Achievement Medals, 1 Navy Commendation Medal and a Meritorious Mast from the USMC when comms was lost I took over the rescue of the USS Vancouver's AAVs in Operation Sea Angel off Bangladesh; I had a twenty something try to educate me on handling my financial affairs. I moved my money, leaving $100 in my acct, to NICU where I still bank today. I only maintained the use of my NFCU Visa ever since. I have tried to register to access my Visa Acct online several times over the years and have always had something blocking me from doing so. In real life there is a statute of limitations but for this notice which I found out was supposedly an outstanding check (which I never wrote) it's apparently been twenty years and they're still pursuing it. The one thing that NFCU excels in is growth, but don't expect Customer Service."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "I began the process of refinancing my existing mortgage with Navy in April 2017. The trail of tears is as follows: Ran a preliminary analysis and quoted me 3.25 + 0 points. Received preliminary approval 3.25 + 5.0% points. Said rate change because I was in their B class due to FICO score (below 720\u2014barely). I told them did they want to believe the FICO or the fact that I had 3 loans with them always paid as agreed. They said it did not matter. Members and Off the Street\u2014same. After arguing and me escalating the matter up the chain, I was offered 3.5 + 0.5% points. I said OK and gave them permission to order $625 appraisal per preliminary closing statement. Appraisal came in lower than expected (surprise..! All appraiser are writing conservative values). Their new offer 4.25% on a 3-year ARM. I am currently paying 4.25% for 30 year fixed loan."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e84d365e0eb7426895404c378022d116
encoding: FLOAT32
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{"chroma:document": "Worst experience of my life, almost worse than boot camp. Customer service non-existent and a high degree of loan officer incompetence. Loan date made incorrect to begin with and told by my loan officer Deanna ** that I need to apply for new interest rate on behalf of her error. From then on, everything that could go wrong went wrong, up to the day I closed. I am still waiting on credits to my account. Please, use anyone but Navy Federal for your home loan, you have been warned!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a3fc678232a4aa297ed171de88fff49
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{"chroma:document": "Long story short: Opened an account online Apr 24, 2017 and funded with $50 via debit card from Chase. Accessed the account online ok. Two hours later the account was locked. Called and was told I was not eligible - fine - they would mail a refund check to the address of record. Waited 30 days, no check. Now I am told there is a security issue, and I need to go to a branch, which is 30 miles away. Thanks for communicating so well. Little do they know they missed out on two substantial trust accounts. They're not crooks, just lazy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3ca176dffa84908a756b3b992786ca2
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{"chroma:document": "I have been a victim of chip card cloning twice in the past 4 months. Physical copies of my card were made and purchases of thousands of dollars were allowed to go through in several different states and even in the UK in a matter of minutes without being detected by their fraud department. Federal regulations prevent banks from holding you financially responsible for fraudulent purchases but Navy Federal has found a way to draw out the process as long as humanly possible. When the purchases are made they go into a pending status which affects your available balance. At this point Navy Federal will not do anything until the charges actually clear which can take two to five business days depending on the merchant. You then must submit a fraud claim to them which will take another two to five business days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 870329814f7141b6847b4dad510675f6
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{"chroma:document": "My father decide to change banks cause it was military and no more withdrawal charges. He switched 1stNB to Navy Federal Credit Union. He is on a fixed income as well as myself. I have had Six Back surgery myself. Okay my dad is getting ready to have Heart surgery sometime next month. On April 7, 17 he had to do some final testing so he ask me to hold on to his Debit card. I said yes as long as he put his pin number on it. I have a lost of memory that's why I told him to put it on his card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4fe1f835fd584560aeddbf2270c8d33b
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{"chroma:document": "I applied for membership on 4/11/17 after being told by NAVY membership dept. on phone I am eligible in many ways. I applied provided every document known to man received receipt acknowledging documents received. Waited until 4/20, called to follow up, was told needed a few days to review. On 4/26 I received an email welcoming me but not providing any details or account information. I received my Credit Bureau report for 2 hard pulls and another report stating account created as I am an OPM identity theft victim with excellent credit, heavily monitored. Today on 4/27/17 I received an email stating I'm not eligible and to forward this same documentation to them again by the same department. I responded stating already completed, account open. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63fd7009e779495f96012c905b96e501
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{"chroma:document": "Long story short, I had a very high credit limit of which I only used up 1/3 of my limit. Was paying my credit card on time, never late and always paid more than the minimum. Then they choose to close my account because they couldn't get a hold of me. Yes that's correct; they couldn't get a hold of me so they chose to close my account entirely. I had taken out loans that I paid before the due dates. I had a savings account with them and now I want nothing to do with them. I will never use them again. Ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd1fe0f22bf549cba71ee9660a9f3b04
encoding: FLOAT32
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{"chroma:document": "I originally applied on 3/27/17 via the website to Navy Federal Credit Union to become a member due to my wife being a part of this credit union. I Sent over all of the required documents that was needed to process my new membership with Navy Federal Credit Union. A week had gone by and I didn't receive a response so I called and sent an email via their website. I didn't get anywhere with that so I've spoken to several representative and still no membership and it's now 4/13/17. It's very frustrating when this credit union is rated #1. I really don't understand how? It's now 4/13/17 and I still am not a member due to my information not being accepted per the security department EVERY rep conversation is when I speak with someone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21a099ec136a4035aae0b3584935ed15
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{"chroma:document": "Joining was a hassle since I didn't live near a branch so I joined online at which point they screwed up my paperwork and placed a hard hit on my credit report lowering my score. After this was all straightened out I asked about the CD they advertised on their site claiming a 3% interest rate and was told that I would receive that rate so I took $3,000 and funded it to the maximum allowed amount. Three days later the CD showed up but was only 1% interest which is the old classic switch and bait fraud car dealers used to use. I didn't make a fuss because I was hope to get help in a home mortgage through them and when they prequalified me in the letter they gave me a limit of $259,660 so I applied. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 578d5bb179074f6cadbcc3eb94bb86c3
encoding: FLOAT32
metadata:
{"chroma:document": "Have been harassed from NFCU for the past 7 months. In August 2016 I refinanced my vehicle with NFCU when they had a promotion going on (low interest and $200 into account). I didn't have an account with NFCU previously, so I had to fill out all of the membership paperwork in order to open an account and deposit $25 in order to qualify for this financing promotion. Once that was complete, I was able to successfully refinance my vehicle. The payments for the vehicle were set up on a direct draft from my actual checking account so I didn't have to mess with anything. A short time after, I received a promotion and moved to Alaska."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9b72ed0c60d4021b7ce6a27a4262f2c
encoding: FLOAT32
metadata:
{"chroma:document": "I've had NFCU for years and never had a problem until I ran into financial issues. Unfortunately, I had credit cards, auto loan and personal loan with the bank which is the worst mistake ever. PLEASE DO NOT GET MORE THAN ONE ACCT with any bank. Nowadays they have it set up that they will take funds out of any account to pay for past due accounts or balances. They say to call and schedule an appointment to have payments made but that isn't honored because their automated system automatically takes the money out the account and there's nothing their customer service can do about it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa53c203efe1473a9cc418d640d69926
encoding: FLOAT32
metadata:
{"chroma:document": "I noticed that money I had deposited last month for personal reasons, in my daughter's account was completely depleted, then a certain amount returned to the account without Navy Federal notifying me. When I called, the wonderful customer service staff that placed me on hold to figure out the problem from 12pm-8pm between 5 different representatives. Everyone was clueless. By 8 p.m. they finally found out that the other joint owner on the account withdrew all the funds, then replenish a small amount before closing all his accounts with the institution. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0289b9dce14148278fc85eee17c94e5c
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{"chroma:document": "Put in a auto loan application couple month ago and I was declined, the services representative in Cherry Hill, New Jersey, told me to try again in couple month, that I did Feb 25, 2017, And my application was declined again and my credit score is better than last year. Thing is why I don't understand I had two auto loan in the past with Navy Federal Credit Union and I paid off in 2015 and 2016, I was never late, and I had two personal loan with them also and I paid off the loan. How can Navy Federal Credit rate me no limited credit experience, bankruptcy that it is 10 years old, high revolving credit and slow payment etc... And then this is last year made a $4000 personal loan and I was approved but they won't approve my auto loan."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a1327fc5e3c4f73aa1a81e12e8ec23d
encoding: FLOAT32
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{"chroma:document": "Do NOT bank with Navy Federal Credit Union! I had put $310.00 to transfer to my husband's ex-wife for child support. I was late one day on my credit card payment and they automatically transferred the whole amount onto my credit card balance. When I had called to get it reversed, the representative stated, \"It's out of their hands because I was late for my credit card payment. Any money that would be deposited in the account would be automatically transferred over.\" Mind you, I did not give any consent to do this transaction. So, not only have they put my husband at risk for going to jail for not paying child support, but now my stepson will not have any support whatsoever this half of the month! The representative had no answers, wasn't willing to make a payment arrangement, wasn't helpful at all! So do yourself a favor and NEVER, I repeat, NEVER bank with Navy Federal Credit Union!!! Worst Bank EVER!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5f20a4fba2f445258bd32cc4d86114a0
encoding: FLOAT32
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{"chroma:document": "I have a credit card, checking account and savings account with Navy Federal. I also opened a savings account for my 3 kids. They automatically take money out of my checkings to pay my credit card without my permission if I'm behind. Even the little bit of child support that I do get when he finally decides to pay something. They told me that they have the right to do that and they can also take money from my children's savings as well. I stopped my direct deposits from going there because of this. Looks as if I'm not the only one with this issue. Sounds like a class action may come of this. I used to be a satisfied member, but not anymore."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 155fce877ac346298e59b16eb50f05c4
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{"chroma:document": "My daughter and son had issues with settlement on their home in Aug 2015 due to Navy Federal dropping the ball on due date for settlement. Was told they would be compensated NEVER happened. Now one and half years later they get a letter stating mortgage payment going up $400 per month!! Who can afford that?? Why wasn't escrow taking enough money out for a shortage? Have owned several homes and NEVER had a payment go up this high!!! Poor very poor customer service and support! !! Only gave 1 star since I had to. NEVER use them. 2nd time Navy Federal has not given good service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9dc1eb3f89b84e72a8d5f5428ad63eb8
encoding: FLOAT32
metadata:
{"chroma:document": "Recommend you allow reviews to have Zero Star option. Irrelevant perhaps, to this complaint but telling on the Ranks and records of the NFCU Board. I start by saying that I am a Disabled Vet as the result of a Ship's CO ordering me to expose myself to Ionizing Radiation and instigating a cover up. This event crippled me with Malignant Ependymoma Cancer to my spine and Malignant Soft Tissue Sarcoma Cancer. I Apologize, I just feel the board and employees treats their customers as Squids. I was rank of Commander when I could no longer work and was drummed out."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d7f6e82ba834b3fa4a95ea79e65eaa8
encoding: FLOAT32
metadata:
{"chroma:document": "This bank has failed in every humanly possibly way. They literally can't even notarize something correctly. Seriously, everything has been a nightmare with them. My husband was in Germany for training, along with hundreds of other soldiers. Their debit cards were cancelled while they were over there. Navy Federal sent out chipped debit cards after they left for training, and there was apparently some type of deadline for activating these new cards (which was apparently emailed), and the old cards would be deactivated. Sure enough, all of these soldiers in Germany (who did not have access to email at the time), and I'm sure Iraq, Afghanistan and everywhere else overseas, their cards were deactivated. Imagine that for a moment. A bank that serves the military community, not even taking in to consideration our men and women, serving overseas, who did not have access to email. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba938137bde645cba8f9821218f431b9
encoding: FLOAT32
metadata:
{"chroma:document": "On April 28 2016 Navy Federal withdrew my car payment without my authorization from my bank account because I was two day late. When I call them to ask why they did it they told me they can do that with no other explanation even though I was still in my grace period to pay the car. I did not have automatic payment and I did not sign any paperwork for them to withdraw any car payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f77b8ee6e8a74230ace494015a3b9314
encoding: FLOAT32
metadata:
{"chroma:document": "Been a member for 24 years and used NFCU for a mortgage. Biggest mistake ever. They failed to order the appraisal which delayed the closing of our home, and this happened twice even after appraisal was \"rushed\". Their lack of execution cost almost cost me the sale. This is not the organization it used to be. I will be moving over to USAA. Caveat emptor."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3228e32456b4e01bc74845c9ae84b83
encoding: FLOAT32
metadata:
{"chroma:document": "On Jan. 10th I drove through drive thru to make a deposit. Like normal, I put all my info and deposit in the machine. I had send it and like usual, I pressed the talk to agent or representative. I waited like 7 min., I heard nothing, pressed it again, then I get this rude response; \"I'm helping someone else right now, I'll help you when I'm done.\" I said, \"it's fine. I just wanted to make sure someone was there and received my info and deposit. I was here waiting and no had at least let me know that they had received my stuff.\" The lady was rude. Next time I'll call the 800 number and try to contact their supervisor while I wait. See if they like that!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 03b9a666ab924dcd877030eb5f48b67e
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{"chroma:document": "I deposited a check for $300 drawn off of a Wells Fargo bank account on Monday 01/02/17 at the automated teller in Eastlake, CA. The bank's security dept placed a hold on the check and have now locked my account for 5 business days. I called and was told that the check was flagged as suspicious, and that the system is very rarely wrong. The person I talked to said she had never seen it be wrong before. Yesterday, Wednesday 01/04/17 I went to Wells Fargo bank with the account holder that wrote the check. We were informed that the funds had been released to Navy Federal and that the check had cleared. When I contacted Navy Federal earlier this morning, Thursday, 01/05/17 I was told by the bank\u2019s rep that Wells Fargo doesn't give information about cleared checks and that my account would be locked until next Tuesday, 01/10/17."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41251c48745b4a41967a1fd9671956de
encoding: FLOAT32
metadata:
{"chroma:document": "These scumbag thieves closed my account because of disputes between them and Floor and Decor, I had a delay in my monthly payment for a few hours,, hours not days,, and these scammers charged me $41, when I called these miserable liars to see if I can recover this money, I was answered by a crappy supervisor who told me that I am not eligible to give my late fees back because my account is closed, that is, closed by these scammers without notifying me. My advice is if you ever hear about Bread Financial or ** Bank Comenity, stay away, they are just scammers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80b02330cdd54ba594720fd306808b2a
encoding: FLOAT32
metadata:
{"chroma:document": "I have been making payments for years and now they losing my credit for no reason, I was three days late on my card and Bread Financial found out I was ** and that's when they lower my credit and had my savings for years without missing any payments, had accounts for 15 or more years."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c61dfe6e1ba949fab17a615a5f05cc5b
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible customer service!!! They have frozen my account several times without reason or notice. It has been so embarrassing being out in public with friends or for a work event, and my card gets denied when it has thousands of dollars left in available balance. No fraudulent activity. No international transaction. Nowhere near my limit. Just paying for a lunch for clients and waiter/waitress returns to tell you that the card is declined."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1ae7650fe5442ad9c52aa34e368c4a5
encoding: FLOAT32
metadata:
{"chroma:document": "They charged me $547.99 as fee for one month and, I always pay every single month my credit card with them. I called them, texted with them without any success. This bank is only care about taking money from us and nothing else, that's why I'm warning you not taking any card with this bank, you will deeply regret it. Don't ever deal with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4706df0219d746df8afdfe0dbad7e0f6
encoding: FLOAT32
metadata:
{"chroma:document": "Thanks Bread Financial, for closing my paid off account after I worked my ** off to pay my 10k credit card balance off through Alphaeon and then closing my account due to inactivity, which penalizes me now. I barely had a paid off card for a month to two when they abruptly closed my account. I was even looking for a dermatologic procedure to keep this card open before they so aggressively closed it\u2014which seems to be a bit coercive or illegal. \u201cYou can only keep it open if you use it again on a medical procedure\u201d they told me. I will never ever use this company again. They are predatory lenders."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a89373fd5924759b573c6aa2e2558e8
encoding: FLOAT32
metadata:
{"chroma:document": "Bread Financial Charged me $300.00 interest per month on a $1,200.00 purchase of a Retro Classic Refrigerator. This is horrible!!! Can they be investigated for unlawfully overcharging me too much interest on my purchase?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d33a2582ea343afa7093a0f9e546e8b
encoding: FLOAT32
metadata:
{"chroma:document": "This company took over Comenity Bank and decided to close many of my credit cards, including the ones that were paid off. If this is how long term paying customers are treated, good riddance. I hope you go under like every other greedy company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd969d78519a41589b6db14dc2c13de6
encoding: FLOAT32
metadata:
{"chroma:document": "I recently had a displeasure of having an 18 month worth of interest charged to my account after I was 5 days late to pay off the balance. I always made payments on time and never missed a payment. I called and spoke with two different customer care agents and supervisor but they showed absolutely no flexibility to work with me! This company, formerly is Comenity Bank, is not going to win my return business!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d54f1d8a60964b90ad8976bb5e6d892d
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity is now doing this again to me; same as the card I had from them for Wayfair. Although ALL my payments are on time, for whatever reason they have decided to end their partnership with Wayfair and now Overstock. They will be closing my account, just like they did with Wayfair. When they did this to me with Mayfair, my credit score dropped over 50 points. How utterly irresponsible and negligent!!!! I imagine this falls on deaf ears, they just don't care. I am rushing to pay the card off now to beat that deadline and close the account myself and then using my own time (thanks a lot Comenity), I will contact each credit bureau. I will NEVER take a card from them again. They just don't care."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e286997d9ed24897beb91e4a3c2f4ebc
encoding: FLOAT32
metadata:
{"chroma:document": "My AAA credit card was transferred to Bread (Comenity) without my knowledge. In the process, my automatic payment information was lost and my bills were not being paid. Eventually, my credit limit was exceeded and I was charged a $119 penalty. I immediately paid what I owed on the account and opened a dispute to recover the $119 penalty in November, 2022. I have called a dozen times since then (it is now June, 2023) and have been told that they are still reviewing the matter. It is difficult to get through the customer service system to talk to a supervisor but I have done this several times. All they can do is make a note on my dispute record that I called again. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67baec95153e45fabbe507ac6a9627b3
encoding: FLOAT32
metadata:
{"chroma:document": "On May 3, I called Comenity about my Caesars Rewards Visa, I let them now I was going to New York & would be using my card for payment while in NYC on May 9th-11th. In NYC on May 10th, I attempt to make a purchase & my card is declined. I call Comenity & go through their Fraud steps, they confirm its me, they tell me they have unlocked my account. I wait approx 30 min & use my card again & it is again declined. I called them back to see what was going on again & I am told their fraud department needs to send me a code. I wait a few minutes and I have not received anything and they tell me they sent it again. I get the code and give it to them. I am told the code doesn't match and my account has been PERMANENTLY CLOSED due to fraud.. They tell me there is nothing they can do, I have no other options to prove I am me, NOTHING. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef82ed09e3f941eb8cdbde0176a8fd15
encoding: FLOAT32
metadata:
{"chroma:document": "This company Comenity Bank/Bread Financial is a complete JOKE! They report completely wrong information, claim that you owe money that you don\u2019t owe, and than then turn it over on to your credit report! then sell it to a JUNK DEBT collector! Double dipping! They grasp for straws because they\u2019re so desperate! We are talking $200! That\u2019s a desperate company! I have CLOSED several accounts with them! including this account! NEVER, EVER again will I do business with these fools! NEVER!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: faed218285584942adfe62339cec4049
encoding: FLOAT32
metadata:
{"chroma:document": "Hello, On 5/28/2022 I opened a Comenity/Sephora Credit Card. I made a charge in October 2022 and paid it off in full in December and closed my account for good measure. This company has constantly hit me with delinquent payments and tanked my credit score by 100 points. 1/19/2023 - $105.00 delinquent payment 2/16/2023 - $148.00 delinquent payment. Despite me calling them multiple times and asking them why I have these charges, they told me specifically that my account was closed. My credit score has been affected by 100 points - I can no longer apply for apartments with peace of mind. It's absolutely ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c6d2c1b978741bc88cf050fb7c0c1ac
encoding: FLOAT32
metadata:
{"chroma:document": "A few months ago Comenity took over AAA credit Cards, or at least part of them. From the start I had nothing but problems. No new card was sent, so I didn't have an account number to reference. That took 2 months to fix. Then their web page was inactive for new users. Then it wouldn't let me set up automatic payments until I verified my email, phone number, and address, So I did that, but website didn't recognize it was verified. Called customer service. Not helpful at all. The rep would say, \"oh. I don't handle that\", and give me the main number. Finally got my information verified and set up auto pay. Last month no issue, then this month no auto pay. The website once again had my account as not verified and auto pay off. So I paid off the balance and will never do business with this company again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9b3bc8dc3f1546aaba94185207b6671c
encoding: FLOAT32
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{"chroma:document": "I paid off my account before the due date. I use post office flat rate to track my mail. Never trusted them with what they say in the past. They say they never received my mail. So that why I use flat rate tracking to protect myself. Well I paid in full not talking about few hundred dollar I talking about over thousand of dollars. My mail got there 12/11/2022 at 6:45am. They didn't post the date on the date they received it. They waited 9 days after the monthly fee and charge me over 200 dollar interest fee and 40 dollar late fee. And saying I mailed it late past the due date. Been fighting with them thru email on their website and I even sent a photo scan of the UPS tracking and my tracking number from post office and the address on it. They still deny it. I will never ever trust them and I am going to closed the account. I got this credit card from sportsman's guide. If you ever think about getting it. Stay far away from Comenity bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a431e41d07864995831b21e6845dfb1c
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{"chroma:document": "I have been a customer for several year. NEVER have I had this trouble with any of my credit cards. I was charge in Oct 2021 - this was the correct charge. I was charged AGAIN in April 2022, then given a credit, THEN charged AGAIN. All I am seeking is the overcharge to be made right. This issue has been ongoing for nearly a year. I have provided ALL documents that were asked of me including bank statements, statements from this company and still I get the run around. Save yourself the trouble and don't apply for this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92806fdb339e48928be7b109449efe03
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{"chroma:document": "First payment due in 8 days and online services has been unavailable for the past 7 days. No estimate on when it will be available. Called today to verify I had setup automatic payments but they would not tell me since it was in my wife's name and she is visiting family out of the US. Said I could pay it online but if I use a credit card there is a charge. I do not provide my personal bank information to anyone over the phone so won't use that option. Lastly the last time I was able to access their website I found out they will not let you setup automatic payments before the due date, but warn you in the questions and answers that you need to be sure to send the payment in time so it will not incur a late fee. Seems like some third rate financial service but was stuck with it during a dental crisis. What responsible bank takes over a week to get their website running?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d6c40cdb241436f9f71b1855ebf56df
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{"chroma:document": "Let me start by saying I have a FICO score close to 800; I don\u2019t need the credit. I got the Sony card because they gave me $150 for free, and my kids use it for PS5 games. I didn't receive a statement, and their web portal didn\u2019t work because of a system error. I received a call from one of the customer service reps telling me my payment was due, so I made the full payment on the due date over the phone with the customer service representative. I even asked the representative if there was going to be a balance left, and I was told that this paid the card completely off and nothing is going to be owed next month. What I didn't know is that the payment would post the next day, which would automatically give me a $40 late fee on my account. That $40 late fee I was unaware that was on my account because I made the full payment over the phone with the rep and clarified with the rep that the account was paid in full. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5c2dd9c5b4142b7afb9c0a064847415
encoding: FLOAT32
metadata:
{"chroma:document": "They reduced my credit limit, despite other cards giving me increases, causing a negative hit to my score. Then cited the hit to my score and reduced it more. Never missed a payment or went over limit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a9bb638e9f324506a025b1256a8584cf
encoding: FLOAT32
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{"chroma:document": "1. On September 29, 2022 I ordered a pair of shoes from the Nordstrom website. I applied for a store credit card when the option came up. I believed it was a Nordstrom card. However it was a Woman Within card with Comenity Bank. Supposedly I was getting a 40% discount with the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79ec66f542cd44dcbb0a21b111d6114c
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{"chroma:document": "Terrible. Had automatic payments set up. End up getting charged interest on a computer glitch that happened on their end 4 months prior to the promotion ended. In the end I have to pay an extra $1300 dollars because I had automatic payments and assumed they were competent with their business. You won\u2019t get a hold of them & when you do, they will say, \u201cYou should have known\u201d.. Yes I should have known your system cannot accurately add up the payments that I should be charged each month. Will never shop with Zales or Comendity Bank again :)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bad39ad7aa544741a885adbbe446806a
encoding: FLOAT32
metadata:
{"chroma:document": "OMG this Comenity Bank is seriously delusion, they locked me out of my account so that they could charge me a $40 late fee!! I paid my bill in full every month, have an excellent payment history on my credit report and the Comenity Bank came along and literally destroyed my good credit for $40!! I received a bill with only 5 days before payment was due! After I couldn't access my account online or by phone I finally called a representative only to learn that I had 2 accounts and one was closed for inactivity on my account.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb10406801dc4863bfc1e4b76884b552
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this Boscov's card for over 2 years along with 4 other Comenity cards. In Oct and Nov my bank accidentally but a stop payment on Boscov's when I would pay the bill. After I received a letter from Boscov's saying they turned my card off I called them and my bank to figure out what was going on. My bank was at fault and wrote 2 letters admitting their error. I then was told to upload on their website. I tried for 7 days. They would not upload due to system error. No one at customer care would help me do anything about it, and they all were telling me different things. I finally got an address to send these documents to. I'm beyond frustrated and they could care less. Worst customer service ive ever received."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc38648861624a83a1834dd2f28d3589
encoding: FLOAT32
metadata:
{"chroma:document": "I would give the experience a zero if it was provided on the rating chart. In October my AAA visa was changed from B O America to Comenity Bank. This was the worst thing! AAA could have done. In the almost 20 years that I had my visa with Bank of America, I might've made three or four phone calls. Since Comenity took over in October, I probably called at least 10 times. First they took almost 3 weeks to issue my new credit card, even though I told him I had no other credit card. There were some disputes on the billing because of the crossover without having a card, so that took a long time and some phone calls to resolve. I was due a credit from one vendor, that took a while to finally be rectified, and I was mainly the one doing the leg work. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fcdbc25e5a1244ad8daf8523ad159925
encoding: FLOAT32
metadata:
{"chroma:document": "WORST LENDER in the country! Buyer Beware! Bought a $25000 diamond engagement ring from #BlueNile online jeweler and applied THRU THEM for financing. Was approved thru Comenity Blue Nile with no interest for one year. Right at the one year mark (during Covid) my fianc\u00e9 and I were both sick with Covid and hospitalized. Needless to say I missed the deadline for NO INTREST. I called 2 weeks later when I was well again, and explained that I was infected with Covid and was in the hospital and that I was willing (during that call) to pay the entire balance of the no interest loan right then in full! And they could care less! They did NOTHING for me, and wacked me with over $7000 in interest that I am now on the hook for to pay....This company is REPREHENSIBLE to say the least...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0a68b3f9a364cdf82d278a75fe15989
encoding: FLOAT32
metadata:
{"chroma:document": "I am always having to change my password because for whatever reason their website can never recognize my password from a month ago when I last signed in and change it. Each month I go to make my payments my password does not match, it takes several tries entering the credit card number, and information needed to reset password. It\u2019s very frustrating, which sometime lead to late fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0451ae0d000f47eea0c1428d6d29b1ee
encoding: FLOAT32
metadata:
{"chroma:document": "I should have read the wealth of warnings across the Internet not to deal with this company before I applied for a PayBoo card on the B&H Photo website. I was looking to make a major purchase where I would have saved nearly $200 on taxes. According to the offer for the card, those who signed up would get instant approval, which I am assuming is based on an excellent credit score. My credit score is 830-850. There is no reason I would not get instant approval. I didn't get instant approval and since I needed the computer I was looking to purchase, I ended up having to pay the taxes. That irritated me as I should have been able to instantly use the card and savings that was being offered."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1581aefb34b449eb58b6578c01e601d
encoding: FLOAT32
metadata:
{"chroma:document": "I have an Interval International Mastercard credit card thru Comenity. Access to my account online is almost always unavailable. Can't review transaction, balances, rewards, etc. When you try to sign on it states \"information is not found\", but when you try to change your password, it recognizes your account #/user name but then gives you a \"technical error has occurred\" message. This goes on for weeks or months. When you call Customer Service, they tell you \"management is aware\" but never have a timeframe for access being restored. It occurs repeatedly and lasts for long periods of time. It is unbelievably frustrating and mind boggling that a company that services so many company CC's is this pathetic at on-line access and maintenance of accounts. It is truly pathetic!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45678ec971d740408b4c2247d98df415
encoding: FLOAT32
metadata:
{"chroma:document": "Since Comenity took over AAA Bank of America, there are issues with them accepting payment. I pay via PNC bill pay for years to Bank of American, and Comenity has not been accepting ACH payments. No one tells you this, so PNC is issuing checks that take weeks for Comenity to accept. This causes late payments and interest charges. Then you have to call customer service, but ask for supervisor since the customer service doesn't acknowledge the issue or doesn't know the issue of Comenity not accepting payments. Check sent our 12/2/2022 and it is 12/24/2022 and the check is still somewhere in limbo."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0cfd27921ea7495c8fcafd1727c3952f
encoding: FLOAT32
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{"chroma:document": "Recently Bank of America sold the AAA travel credit card accounts to Comenity. I was informed of the upcoming change and waited for the new log in information. I was able to get online and set up my account but discovered I was past due. I made a payment on Nov. 26 for three times the minimum payment. I have two major complaints. First, the website is misleading. On the home page it says, \"No payment is due.\" Then on the payment tab it says, \"account past due.\" I called the company and the agent, Omar, explains their policy. My account will display delinquent until the Dec 22 date. I am a responsible consumer, and I don't typically pay my bills late. I voiced my disagreement with the policy. He could not do anything about it. Is this a policy to pay a bill but not entitled to the service for nearly a month. Thank goodness I don't use this card and have other resources to use during this holiday time. This company has given me something to think about. After I pay it off, I may just close the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f1f17edc7fa449e9ad9328c4532f79b
encoding: FLOAT32
metadata:
{"chroma:document": "The Home Page on the website is awful. Home Page says my statement balance is unpaid, it was paid almost a month ago. The Transactions portion of the site is absurd. All it gives is a list of charges, does not give the current balance with each transaction. BofA, the previous AAA credit card bank, had the current balance with each and every transaction. Now I need a calculator if I want to know the balance at a certain point in time within the billing cycle. Have contacted via email - no response. Just spoke with a representative who repeated rote talking points. Will be looking for another Credit Card - was using AAA with BofA for years, never a problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed3bb24dd114447ab7974ad9ecb504a7
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ll admit that I haven\u2019t used their credit since February this year, but I didn\u2019t think they would cancel my account. I\u2019ve spent a LOT of money with them. I always paid on time. It was embarrassing when they handed me my card back and said that it was no good. Now I know that they were right. They don\u2019t deserve my business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c86e87ee05dc41fe899cf49b01520b21
encoding: FLOAT32
metadata:
{"chroma:document": "Was fine when the card was with BoA. Since the switch, just horrible... Customer Support is clueless, can't get my reward money deposited to my checking account but they automatically take my payment from my checking account. They have no answers... terrible company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a56a68fe917f4b4ebfc4cd53350631de
encoding: FLOAT32
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{"chroma:document": "Oh, my. Save yourself and stay away from ANY product from this swindler. My AAA credit card with Bank of America got moved to Comenity. I tried to access the account electronically, and was denied. I called their help desk, waited interminably, and was told it was fixed. Nope, still denied access. Called back, waited, was assured it would be fixed soon. Nope--weeks later, still unable to log in. Then they tacked on interest & a late fee, because I refused to pay without first seeing the statement. They eventually sent me a statement and a letter claiming that they would waive the fees. I paid all legit charges, but not the fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 844ea2af8a2642208ae753cd6e20c1ce
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT GET ANY OF THEIR PRODUCTS as they will not follow federal law! I reached out to this company when I noted that an airline defrauded $980. I sought their help, sent evidence, reports, continue to write to them for update WEEKLY and more than once at times. Comenity LIED to me that they were investigating, they MISLED me by sending a generic message disregarding what I have written and presented, they HID EVIDENCE that the funds were returned after federal agencies demanded the airline returned the funds."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d544b43f8ef4fd3b9e4a571a32c9781
encoding: FLOAT32
metadata:
{"chroma:document": "1) On Comenity BJs Wholesale - I have no issues with BJs in past years ONLY UNTIL this summer 2022 when Comenity supposedly had system upgrade and since summer 2022, my BJs rewards have stopped accumulating in BJs app. I've contacted Comenity regarding BJs rewards, sent email via Comenity website, contacted BJs to be re outed back to Comenity Rewards and still nothing!!! Same old response from Customer Service - system issue, etc. Anyways, I am closing my Comenity and BJs account altogether."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6e7cac5fc8e14024a3ac014294c4a309
encoding: FLOAT32
metadata:
{"chroma:document": "Apperently, Comenity took over AAA Visa accounts from Bank of America in October of 2022. I have had my AAA Visa card since 2000. Since Comenity took over, I have had 2 months of hassles, issues, and now have a frozen account. I received NO heads up or information about the takeover, paid my Sept payment to BofA like usual. Tried to log in to make my October payment, and the account is no longer accessible on BofA. Tried again a couple of time the next couple of weeks, since I had no idea what was happening and figured it was a site glitch and I'd just have to suck up a late charge. My old due date with them was the 3rd of the month. Then, I got a random message from Comenity Bank stating my account was overdue and I owe a min payment of almost $800. (I have another small store card with Comenity with zero balance, so this threw me a bit.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 32cd041cdc2c4a06baaa24a0471f6719
encoding: FLOAT32
metadata:
{"chroma:document": "They have the worst customer service. The supervisor hung up on me because they have not sent my credit card and I have called literally 10 times and they keep saying that they did and maybe I need to call my postmaster. So I explained to her that I received my bills so why wouldn't I receive the card so I asked for her escalation Department and she hung up on me and so many companies use this company for their credit cards and they are horrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6687f767e9a247ab8fc2aaeaf3612355
encoding: FLOAT32
metadata:
{"chroma:document": "AAA transferred its credit card services from BofA to Comenity in the Fall of this year (2022). On the transfer date all account information was cut off from the accounts by BofA but Comenity was unable to successfully activate cards they sent in the mail. Two months later I am still without one of my cards and their website is down so I have no way to see what I owe or to make payments. When the site was up, I couldn't cash in my rewards credit, the website failed. The only way to get information is to spend hours on the phone waiting for their miserable phone support to respond. They admit to 'problems' with the transfer and their website. What a disastrous move for AAA. Their credit card service via BofA was excellent. I assume they switched to Comenity for cost reasons. Their reputation has suffered as a result."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4e39c2ca60245e0b463f6f184976017
encoding: FLOAT32
metadata:
{"chroma:document": "Customer service is HORRIBLE. Always a problem with my statement and redeeming rewards. Have to call customer care and after about a 1/2 hour wait to talk to some person who barely understands my concerns, problem still doesn't get solved. I will pay off my balance, let them keep their rewards and NEVER EVER use them again. Their system was down from June till July and their explanation is that they are still working out the kinks!! Even before that, the customer service was still horrible. Too many other cards out there to use this one and have less aggravation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db469b25688c48e1bb8d2ff699fea8e9
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{"chroma:document": "For AAA Members who have been switched from Bank of America to Comenity Bank. If you are having problems signing in, accessing your account, or creating an account YOU MUST GO TO AAA.COM/ADVANTAGE. DO NOT TRY SIGNING IN AT COMENITY DIRECTLY. This is not very intuitive.... but look at your statement. It says \"Account Questions? Need to make a payment? Want to know how to go paperless? Visit AAA.COM/ADVANTAGE.\" You can then create an account and pay your bill online..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f37b3fb0bc242789fe91f96f5541449
encoding: FLOAT32
metadata:
{"chroma:document": "AAA just switched all their AAA Visa Rewards holders to Comenity Bank. Very difficult time registering. Cannot pay bill online. Comenity is having technical difficulties with their online payments and account lookups. this has been going on for 2 weeks. You can only pay through the phone to representatives based in India at a charge of $9.95. This is criminal. AAA is also to blame."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a8f85de7ec643b7a5d062f46dfad009
encoding: FLOAT32
metadata:
{"chroma:document": "This is the most appalling, atrocious, shady company you will ever deal with. I have waited over two hours on hold to speak to a manager, we had to file a complaint with a supervisor named \"Robyn\" so who said they're \"a huge bank and never have had a customer with the online issues I've experienced\" accusing me of being a \"condescending liar\". This not only was immature comment especially coming from a manager, it was absolutely appalling. She also claimed that they're a \"huge bank\" but then later said \"when you file your complaint about me you only need my first name because I'm the only Robyn in the organization.\" Hmmmm let's think about that one again. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29f833ba680a40e3a933f3d0cdc60756
encoding: FLOAT32
metadata:
{"chroma:document": "I wish I can give negative ratings or zero stars. I have been using bank/card services with so many banks and Comenity is definitely the WORST I have ever seen. They issued Ikea credit cards rewards through certificates at the end of the monthly statement without notifying and there are short windows for you to use them before they expire. When I figured it out, six certificates already been expired and they refused to re-issue. Fine, I paid for my fault. Then I got three certificates from the July statement, $15 each and $45 in total, which will be expired on 10/31. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9eda66f3d2d64b3cbcc6161c4503361b
encoding: FLOAT32
metadata:
{"chroma:document": "Opened a new credit card with BOSCOV's, issued through COMENITY Capital Bank. The statement arrived by mail after the billing due date. Contacted the bank by phone, made payment using my NFCU Debit Card and was assured payment was accepted but was not given a confirmation number. The payment, never processed. I called again after receiving another bill with Late fee and finance charges. Called bank again to resolve and was told they had an electronic glitch on that particular day and to wait for a corrected statement. Received an acknowledging letter claiming resolution was being reviewed, wait for a corrected statement...never came. Got a text message to call bank.. They denied claim and charged me an additional late fee. They claim my DEBIT CARD with NFCU was invalid and it was my fault...NOT TRUE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48023f0a789b4fe5876803e5da974e2f
encoding: FLOAT32
metadata:
{"chroma:document": "We had a AAA Visa Card for 15 years through Bank of America. Without notice and from one day to the next, I was locked out of my B of A online account. B of A had no idea why and thought it was a technical issue, so they wrote up a ticket to have our account reviewed. The next day, they informed me the credit card had been transferred to some no name bank (Comenity Bank). My payment was due in a few days, so I had to speak with someone at Comenity. After an hour hold (and automated nightmare), I spoke with a VERY rude woman that was willing to take my payment, but only if I agreed to a $10 charge - despite my explaining to her that we were never sent new credit cards/new account information, nor any notice of the change. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a24bda0edc94096a228b2212dc7e61f
encoding: FLOAT32
metadata:
{"chroma:document": "Recently, AAA moved their Visa card from Bank of America to Comenity and it has been nothing but a total failure. The user confirmation tools on their website do not work. I have reported this to the Comenity technical folks and they claim it has been resolved, but the issue still remains. Payments to Comenity from my bank's bill pay service never go through (they've gone through flawlessly for over 10 years to every other creditor). Comenity wants payments made through their site, but I use my bank's bill pay for security and convenience--there is absolutely NOTHING convenient about having to log into the one oddball company that refuse to work with the rest of the world. At this point, $700 in payments (verified by my bank) is lost somewhere in Comenity's little lost world. I don't know why AAA would go from a dependable company to such an undependable one, but we will be canceling this card and moving to a much more reputable provider."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5623062fe3d44359d798d7e0c7fb296
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{"chroma:document": "Had a poor experience with this bank. Their website was down and I was not able to make a payment. Received late payment fee that I was informed was removed but received a bill a month later. I spoke with a manager that was unwilling to remove the fee after cancelling the card. Never had this type of customer service with any other credit card company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a58c42a497fe4906ab069445c06d6fbc
encoding: FLOAT32
metadata:
{"chroma:document": "I registered and was approved for an Ikea credit card. The temporary shopping pass was not provided to me. When trying to call to resolve this issue the customer service kept stonewalling me by transferring me to Ikea which left them confused. Strongly suspect that this is done on purpose as no one registers for credit cards in advance these days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e8fedb1bcc8a4bc6b37ca1b36823b2dc
encoding: FLOAT32
metadata:
{"chroma:document": "Paid 2 payments in June and July 2022 and still haven\u2019t received credit. Finally got my bank involved and they tell me it will be at least 90 days of review. I have a credit score of 870 so I don\u2019t take my bills lightly. They are the absolute worst ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b657532cff994862a001a7e401de18b0
encoding: FLOAT32
metadata:
{"chroma:document": "We had a BOA AAA Visa account for more than 30 years. The recent change over to Comenity Bank was a total nightmare. Their automated \"customer service\" phone lines just get you into an endless do-loop and I was never able to activate the new Visa card they sent. It took me dozens of attempts to finally connect with a living human being who was finally able to activate my card. A day later when I tried to access our Visa account on their website it didn't recognize our account number and other information. In desperation I finally opened a Visa account with USAA, where I was served start to finish by a real human being... Should have made the switch LONG ago. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c335b9cc5b640bda00dcabcaf91ca9f
encoding: FLOAT32
metadata:
{"chroma:document": "I have held a AAA Credit Card since 2013 through Bank of America. Well, BoA decided my and many other's business wasn't valuable, so they dumped us into the dumpster fire that is Comenity Bank. Wow, what a pile of trash. First day on the site, I had to go through some rigamarole to set my account up. I log in, and the thousands of points I had saved up had been slashed to a measly value of $50.00. I decided to click and see what rewards I could hope to earn. The website went to a 404 Error."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e7458486e7d4931b022642ac6c55e36
encoding: FLOAT32
metadata:
{"chroma:document": "After holding the AAA Bank America VISA for 20 years, I am horrified with the Comenity replacement. The company is ill-prepared for this transfer. The customer service rep was arrogant and condescending. I asked to please cancel the account, but I see no evidence of this happening yet. I still have multiple unclear purchases called \"Bread Crumb Trail\" (the rep thought I was an idiot for not knowing what these charges were by memory - 3 people use this account). All I want is to be done with this company and AAA, but I feel stuck now. I refuse to call back. IF you do not yet have the AAA travel card, go elsewhere!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c9f0d9e7c934987b00fd08b11be61a8
encoding: FLOAT32
metadata:
{"chroma:document": "I've been a AAA Visa Card holder for years. Recently AAA informed us that they are moving my VISA from Bank of America to Comenity Bank. This transition has been a disaster. Issues: 1) Unable to successfully activate new credit cards (I have 4 on one account), 2) Unable to successfully create an account on Comenity site. Called customer service - they were NOT helpful. After waiting on hold, they said issue should be fixed - but it was not, cards do not work. I am done, time to cancel and get a Visa from a company that is competent. Note - I have worked in IT for over 30 years - there is no excuse for this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ffba5e5fbf3b49428953586e6a559b69
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity credit card has the worse customer care service that I have ever experienced. I waited 2.5 hours on hold before I actually got to talk to someone, and then I could barely hear or understand the person. I was afraid the call was going to disconnect. Yes, the representative did finally take care of my issue, but 2.5 hours??!! Comenity is always having computer issues that seem to take months to resolve. BJs needs to change credit card companies. Don't sign up for a BJs card until they do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2b1f65b7ebbd4043a12e43b3e2773043
encoding: FLOAT32
metadata:
{"chroma:document": "No app\u2026 Website down constantly\u2026 AAA switch from Bank of America visa to Comenity visa without any notice then all the sudden I was stuck. I couldn\u2019t access my Bank of America app and account nor being able to access Comenity website and I was surprised that they don\u2019t even have an app for their customers. I\u2019m also blaming AAA for this mess."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5b39d2e987b4e09b1c6aa880c9d3177
encoding: FLOAT32
metadata:
{"chroma:document": "I cannot rate this business low enough. I have this company for two store cards, and I really regret it. I have had one card since roughly 2015, made payments on time consistently, and since they've been bought by Bread Financial I have had nothing but problems. They keep moving due dates around for one card, calling multiple times a day claiming we are behind, once claiming we owed three months of payment and we weren't behind at all. My other credit line said they were sending me a new card when I lost my current one. They didn't, and I was without a card for actual years. I requested a new one several times, and the same thing always happened. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf60984cca5e413e83a5c3186a62ba0a
encoding: FLOAT32
metadata:
{"chroma:document": "I have many credit cards with Comenity. NY&Co was having technical issues and my payment didn't go through. It took Comenity 90 days to complete their \"investigation\" just for them to say they aren't going to give me back the return fee. Comenity is trash and I will no longer be using any of my cards with them. Lost a valuable costumer because of their error."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b76692136dc34f0bbfc33966c5a40913
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity Bank is awful. I have a few cards thru them and let me say they are just horrible. I've had Victoria's Secret for almost 2 yrs, never missed a payment on it or any of my cards for that matter. I always pay early but this card I started out with 150 cl and now I'm down to 50 bucks they have continued to decrease my limit because my credit score has dropped down some. And now the same thing with the Sephora card. I had 250 cl. It's been paid up for 3 months. Victoria's Secret has been paid up for a while as well. I did use them both here and there and paid them up before they decided to do this crap. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2788ae198ee94dd8843181875226f3ee
encoding: FLOAT32
metadata:
{"chroma:document": "In June, BJs through Comenity Capital Bank send me a bill for $6.12 which I paid using the account I set up in my bank for BJs years ago. The next month I received a bill for $350.36 which included a late fee and some accrued interest from the month before. I called the bank right away and the representative had the $30.00 late fee removed. However, the representative said that they could not remove the accrued interest. I made a payment through my bank and the account I set up years ago and it was paid on August 16. I tried to get gas on that same day and my card was rejected. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57ae81a530274ae09778450eae30657a
encoding: FLOAT32
metadata:
{"chroma:document": "I was informed the Farmer's Visa through Comenity was being discontinued but that rewards would still be earned thru 7/31/22 & could be used thru 1/31/23. I made a purchase of $1650 6/23/22 & was supposed to earn 3% because it was a Farmer's ins product. I never received the reward and the reward site has been down for 2 month. Also, they charged me a late fee which I felt I didn't owe, but they didn't reply to my message until I owed a 2nd late fee. I felt I was charged $47.78 unfairly, but when I called they said no credit could be given because the account was closed - which they closed, not me. Funny they can charge late fees on a closed acct but can't give credits. I had paid my entire balance on time before the late fees were given. Very frustrated because I was on auto pay & I'm never late!!"}


