So, I have been a Navy federal customer since I was about 14 or 15; 2004-05. In 07 NavyFCU was the first bank to give me 8500 for a car loan with no credit because I had a 400 dollar direct deposit (Child support my mom gave me from my dad lol) and they also gave me a 1000 dollar credit card.
Well I was only 18 years old and had lost my job after a car accident. Thank god I was not badly injured an had full coverage as well as GAP. The loan was paid off by its 10th month; but my CC went charged off. I settled with them for 650; but I had a checking account that was written off for 45 bucks.
They blacklisted me, restricted my online access and kept my savings account open at 0.01 cent. I then filed for BK and I never included NAVY in my BK7 but they recieved the creditor notice. I then contacted them and tried to re-establish a checking account. No I was denied, felt like a mistreated step child.
I quoted their modo "Once a member always a member" they replied, "sir you are a member, your saving account is available but no other products are available to you."
I was mad and I kicked the dirt for 8 months. I recieved my taxes and then called up NavyFCU and told them I will pay all losses that NAVYfcu has incured by my unwise young mistakes. They glady accepted after I signed a volunteerly payment waiver stating there not making me pay, im making a concious effort to pay yadadada.
Well I paid the rest of the settled credit card; and the checking account. I deposited 1500 in my savings and then asked to re-open checking. DECLINED.
But they said I have to wait 48hrs. First thing in the morning I call to see if they can help me. The first rep said that department is off today because of the snow in virginia. I was like damn, another day! 
So then I decided to call back and asked if they can atleast unrestrict my account online and through the app; they rep said it was a different department and transfered me. The rep then unrestricted my account because I paid all losses and asked. Would you like to set up a checking account?
I was like YES! he then transfered me; Opened it up in less than 5 mins! I then thanked the lady and went down to chase; withdrew 5k and then went to navy deposited 5k in savings and put another 500 in checking. I called to app for a secured credit card and now waiting on the response!
If APPROVED I will vow to garden and not do anything until NAVY offers me anything new! I am so thankful for this opportunity to get back in with NAVY I know there gonna help me out financially in the future!
Wishing you the best of luck....glad to hear you got things worked out with them!!
*8/10/13
Thank you, no matter what anyone says it is what it is, i did what i did.. paid the price and now I am back again. 
@ihatemyscore wrote:Thank you, no matter what anyone says it is what it is, i did what i did.. paid the price and now I am back again.
You are a good example of how to get up off the ground after a few set backs.I can't blame you for wanting to rebuild your relationship with Navy Fed.They in my opinion are THE best lender in the industry.They cater to the needs of a customer more than any business I have known, and I've known a few. Congrats on getting back in.
Make sure to keep us posted on that secured CC app!
