topic Re: NFCU through Navy League Time Line in Personal Finance

NFCU through Navy League Time Line

Anonymous — Wed, 20 Jul 2016 20:10:35 GMT

Some data points to share for those of you who are applying or interested in applying to NFCU through the the Navy League. I am hoping others might take the time to add their stories. Thanks to everyone for their kind words of support and encouragement.

Timeline for NFCU membership and final processing…
(I have looked at my calendar and emails and think all the dates are accurate.)

June 28 - Joined Navy League San Diego branch online and received the welcome email.

June 29 - Joined NFCU online while on chat telling the rep I was a member of the San Diego Navy League. Immediate acceptance. Apped for a credit card. Immediate approval.

June 30 - account access frozen with no email or other explanation. Calling I found out that I needed to fill out a fraud form. I was sent the form the same day I faxed it to the number I was given.

July 5 - Called NFCU asked if fax had been received. Was told they were unable to tell me. Card came via FedEd. (I had asked for quick shipping as our new mail person has delivered four packages from Amazon to someone else.)

July 6 - Called NFCU and explained about the fax and told the rep the fax number I had been given. She gave me a new fax number and said to use that one. She said I should hear something in 24-48 hours. I asked if anything else was needed and she said there was nothing else listed in my file. Faxed the document to NFCU using the new fax number I was given. Also included NLUS email.

July 9 - Called NFCU asking about the fax. Was told it would take longer than 24-48 hours and that I should not have been told that. No fax was found so I asked if I should fax again and was told yes. Re-faxed documents that day (Saturday). Was told it would take five to ten days to process.

July 12 - Called NFCU and asked if someone could just tell me if the fax was there and offered to re-fax. After a long hold I was told there was good news and not so good news. I asked for the not so good news and was told the department that processes the forms was still working on July 7 documents. So I asked was the good news that my fax was there. She told me she was not actually allowed to tell me that. (But she already did with the good news and not so good news comment, I thought.) Was told it would take the full ten days.

July 19 - Logged onto my NFCU account as I have been doing daily, even though I couldn’t view anything. Woweee!!! Complete access! I was able to call and have my card activated. All is well.

Explanatory Notes:
The personnel I spoke with were always courteous and helpful. The last person I spoke to went above and beyond to find out something for me. I was always courteous when speaking with them.

The account access was open after ten business days from the July 6 fax.

No one at any time asked me for the NLUS documents. I sent them anyway, but it was never requested.

In my original application I used my passport. That always seems to be a clear path when applying for anything. At least that has been my experience.

Why did this happen? After some serious thinking I really believe it was my recent change of address. About three months ago I changed my address with all my cards and credit bureaus. Even though I gave that previous address with my application, in my opinion that is one of their flags for possible fraud, thus I had to fill out the fraud form saying I was indeed the person who did the applying. The rest of the time was just the time it took to process everything.

All in all, it was painful, but I am happy to be a member of the NFCU!

Re: NFCU through Navy League Time Line

Anonymous — Wed, 20 Jul 2016 21:04:13 GMT

June 10 Joined Navy League

June 17th (late night on a Fri.) I emailed my application

June 20th (Monday afternoon) Got antsy and called to check if they received everything. Was told they were swamped and to give it a few days. CSR was very nice.

June 21st (Tue.)Received Welcome email

Registered for online access

Set up Ally bank ACH to fund account

Apped and instantly approved for Flagship Visa and CLOC

Later received Debit and credit card and activated both, received CLOC paperwork and returned by mail.

No problems whatsoever.

Re: NFCU through Navy League Time Line

ddemari — Wed, 20 Jul 2016 21:12:17 GMT

Music Lover that is some story! At least at the end of the day they let you access you account again.

My process was not complicated but I feel for you!

June 9, 2016 joined Navy league, printed out NFCU application and filled it out.

June 10, 2016 sent NFCU my application via email along with navy league info and ID docments. 6 hours later I was approved for Share account, Cash Rewards Visa and CLOC.

June 12, 2016 requested a CLI on my cash rewards visa and the limit went from $3,300 to $23,300.00 and the apr dropped a tad bit from 15.9% to 14.9%.

Navy spelt my last name wrong, so I had to fill out a change of name form which I did immediately and sent it to the proper department. Within 2 days they fixed everything and express sent out replacement cards.

Re: NFCU through Navy League Time Line

Guyatthebeach — Thu, 21 Jul 2016 01:21:56 GMT

Here's my timeline:

June 3: Joined the Navy League. After I got the email and tried to join NFCU, I decided to go to the branch from a conversation with NFCU's customer service.

June 4: Joined Navy Federal in a branch and opened a checking and savings account. I was also approved for a CLOC and cash rewards Visa.

i log in everyday to check to see if my accounts get frozen. So far no complaints.

My advice to everyone is join in the branch, bring everything you would need for verification and bring cash to fund those accounts.

I'm thankful that I was able to join Navy Federal. I hope everyone joins. Remember to support Navy League, super awesome organization!

Guyatthebeach

Re: NFCU through Navy League Time Line

Anonymous — Thu, 21 Jul 2016 01:23:29 GMT

@Guyatthebeach wrote:
Here's my timeline:

June 3: Joined the Navy League. After I got the email and tried to join NFCU, I decided to go to the branch from a conversation with NFCU's customer service.

June 4: Joined Navy Federal in a branch and opened a checking and savings account. I was also approved for a CLOC and cash rewards Visa.

i log in everyday to check to see if my accounts get frozen. So far no complaints.

My advice to everyone is join in the branch, bring everything you would need for verification and bring cash to fund those accounts.

I'm thankful that I was able to join Navy Federal. I hope everyone joins. Remember to support Navy League, super awesome organization!

Guyatthebeach

I agree, Guyatthe beach. I plan on donating every year.

Re: NFCU through Navy League Time Line

Anonymous — Thu, 21 Jul 2016 01:24:09 GMT

Thanks to everyone for their timelines (story). Very interesting stuff!

Re: NFCU through Navy League Time Line

Kidcat — Thu, 21 Jul 2016 01:53:05 GMT

Thanks for the update ML. Glad it worked out.

I think you are right about the address change. I wonder if that could be a date point for NFCU and other creditors freezing accounts!

Re: NFCU through Navy League Time Line

Kidcat — Thu, 21 Jul 2016 01:55:24 GMT

@Guyatthebeach wrote:
Here's my timeline:

June 3: Joined the Navy League. After I got the email and tried to join NFCU, I decided to go to the branch from a conversation with NFCU's customer service.

June 4: Joined Navy Federal in a branch and opened a checking and savings account. I was also approved for a CLOC and cash rewards Visa.

i log in everyday to check to see if my accounts get frozen. So far no complaints.

My advice to everyone is join in the branch, bring everything you would need for verification and bring cash to fund those accounts.

I'm thankful that I was able to join Navy Federal. I hope everyone joins. Remember to support Navy League, super awesome organization!

Guyatthebeach

Wonderful sentiment. I received my packet, and plan to renew my membership every year.

Re: NFCU through Navy League Time Line

CreditMagic7 — Thu, 21 Jul 2016 02:01:30 GMT

@Kidcat wrote:
Thanks for the update ML. Glad it worked out.

I think you are right about the address change. I wonder if that could be a date point for NFCU and other creditors freezing accounts!

I don't know how simple it is with the other (2) CRA's but if you go online with Equifax Dispute you might be better served and avoid any future pitfalls by disputing ALL of your old addresses.

They deleted all my former addresses in a single day just by using the EQ Online Dispute.

Next up for me is TransUnion.

It's critical IMHO to do this just in case any of your other former/current cardholders happen to send sensitive personal offers or anything other to an address that is still listed on your credit reports.

Re: NFCU through Navy League Time Line

kobe2012 — Thu, 21 Jul 2016 03:40:54 GMT

June 29th: Read here that I can join NFCU through NLUS. Signed up same day through San Diego council and emailed NFCU application, included NLUS welcome email as

well as DL and SSN

June 30th: Called them and asked if application was received. Was told to call back the next day cause it usually takes 24 to 48 hours to process

July 1st: Called again and asked if application was received. They said nothing shows on the system and they are backed up...so just call back

July 5th: Called again and asked if application was received. Still nothing on the system and try again tomorrow.

July 6th: Still nothing

July 7th: Agent had to call membership to check if they got my application. They looked it up by my email and they said they did get it. One hour later i got an email stating they do not accept electronic signature and to resubmit application

July 7th: I faxed a paper application, including NLUS welcome email copy

July 8th: I called to check if they received the fax. Person said it takes 3 to 5 business days to process

July 9th: I called to check if they recevied the fax (that's really all i wanted to know). They said they scan faxes once received. Nothing shows up under my SSN so they probably havent scanned them yet.

July 10th: I sent a facebook message through their page (in the evening). Got a response within an hour and asked me to email them my contact info

July 11th: NFCU supervisor called me in the morning saying they did get the fax and I should have my membership account opened in the next couple of days. That she will check back with me on the 13th

July 12th: Of course I still didnt think they got my fax so I called and asked. The lady said there's really no way of knowing if they received faxes as they were way behind (faxes were prolly stacked up/all over the place). Advised me to email my application again (fastest way)

July 13th: The supervisor called me in the morning stating I got my account opened!

I still think they have used my email application to process. I included everything on that email to prevent delays (paystubs, DL, SSN, NLUS email)

Took me two weeks but it was worth the wait!!!!

Re: NFCU through Navy League Time Line

armymom — Thu, 21 Jul 2016 04:10:48 GMT

June 19 Joined Navy League San Diego chapter online and received welcome email

June 22 Joined NFCU in my local branch. Opened checking and savings. Applied for GoRewards and was given the 24 hr wait. By the time I got home 10 minuted later I received a text saying I was approved.

June 23 Recieved call from branch associate saying I was approved for GoRewards.(I asked her to call not thinking I would have a reply so quickly) I also decided to apply for a CLOC and was approved for 500 (wish I would have asked for a higher amount now)

So far no problems. I've been very pleased with their customer service the few times I've had to call. I'm still hesitant to make them my main checking and savings knowing others have had the nightmare of having their accounts frozen so time will tell. And I plan to renew my membership to NL as well. Having a son who went through four deployments, we can never do enough to support all branches of our military.

Re: NFCU through Navy League Time Line

Anonymous — Thu, 21 Jul 2016 20:55:04 GMT

I have no idea which NFCU thread to use, so I'll just pick this one. Joined NLUS on Monday, and applied online to NFCU. I got an email today asking for documentation of my eligibility to join. The list of documents given was only the usual affiliations, but I sent my reply email with the NLUS (San Diego) confirmation and also a copy of my CC transactions showing the payment. Waiting impatiently for the next email...

Re: NFCU through Navy League Time Line

Anonymous — Thu, 21 Jul 2016 20:56:31 GMT

@Anonymous wrote:
I have no idea which NFCU thread to use, so I'll just pick this one. Joined NLUS on Monday, and applied online to NFCU. I got an email today asking for documentation of my eligibility to join. The list of documents given was only the usual affiliations, but I sent my reply email with the NLUS (San Diego) confirmation and also a copy of my CC transactions showing the payment. Waiting impatiently for the next email...

Good luck to you...

Re: NFCU through Navy League Time Line

Billybob_TX — Fri, 22 Jul 2016 01:12:45 GMT

Sit tight. Wait till you submit docs to the BSA people. That will be the next email, could be a day, could be a week or more. Then you are in.

Re: NFCU through Navy League Time Line

Anonymous — Fri, 05 Aug 2016 05:45:43 GMT

This is all so awesome! So, glad Yourewelcome shared!!!!!! But, I have a question. Please take it easy on me. Some of you guys can get rude on these threads... LOL! But, I recently applied under my step sister. I'm currently under review and just submitted my documents (wish I would have seen this thread first!). I'm pretty green to all this stuff, but I'm currently working on establishing credit and my sister (step) advised I join. I'm a bit nervous after reading throught some of the threads about account freezes and such... Do you think I open a Navy League membership after having already applied under my sister. That would help? Mind you, my thought is that I may get flagged. What do you all think?

Re: NFCU through Navy League Time Line

UncleB — Fri, 05 Aug 2016 06:18:43 GMT

@Anonymous wrote:
This is all so awesome! So, glad Yourewelcome shared!!!!!! But, I have a question. Please take it easy on me. Some of you guys can get rude on these threads... LOL! But, I recently applied under my step sister. I'm currently under review and just submitted my documents (wish I would have seen this thread first!). I'm pretty green to all this stuff, but I'm currently working on establishing credit and my sister (step) advised I join. I'm a bit nervous after reading throught some of the threads about account freezes and such... Do you think I open a Navy League membership after having already applied under my sister. That would help? Mind you, my thought is that I may get flagged. What do you all think?

Hello and welcome to the forum!

NFCU doens't make a distinction between step-sibling (and step-parent) and the non-step variety, so to them it's as if you're gaining membership from your sister. In my case, I gained membership from my step-brother, and I've had no problems at all.

Up until a few months ago he was active duty USAF, and I had him join first so there would be a 'clear' path to membership. While his joining first wasn't required by NFCU (I could have joined simply because he was active duty) those who join without their sponsor being a member are the ones who tend to report having verification issues later down the road. In my case, when I joined I was able to provide his access number as my 'sponsor', which clearly linked us in their systems. My membership was approved immediately online, and a few minutes later I was approved for a MasterCard as well.

In your case, as long as your step-sister's membership is 'clear' you'll have no problems.

I hope this helps... again, welcome to myFICO!

Re: NFCU through Navy League Time Line

Anonymous — Fri, 05 Aug 2016 10:49:04 GMT

@Anonymous wrote:
This is all so awesome! So, glad Yourewelcome shared!!!!!! But, I have a question. Please take it easy on me. Some of you guys can get rude on these threads... LOL! But, I recently applied under my step sister. I'm currently under review and just submitted my documents (wish I would have seen this thread first!). I'm pretty green to all this stuff, but I'm currently working on establishing credit and my sister (step) advised I join. I'm a bit nervous after reading throught some of the threads about account freezes and such... Do you think I open a Navy League membership after having already applied under my sister. That would help? Mind you, my thought is that I may get flagged. What do you all think?

As UncleB said, welcome to MyFico. Good luck to you. It sounds as though you will be fine.

Re: NFCU through Navy League Time Line

Anonymous — Fri, 05 Aug 2016 11:02:18 GMT

Great! Thanks so much!

Re: NFCU through Navy League Time Line

Anonymous — Mon, 08 Aug 2016 03:43:12 GMT

joined navy league one day. next day did an online memebership and emailed my docs in without them asking. ID, social card, utility bill, two last pay stubs. approved 2 days later. pretty fast for me not going in a branch. did not bug them . i knew they are busy with many apps.

Re: NFCU through Navy League Time Line

DrForce — Fri, 12 Aug 2016 15:25:04 GMT

Well I'm a little jealous of how fast everyone got approved through NLSD. Mine took almost a full month, not including the time between when I applied to NL and Navy Federal. My timeline:

June 16 - Applied for NL membership. Life got in the way so I didn't apply for Navy Federal membership for almost a full month later.

July 16 - Applied for Navy Federal membership via email using the suggestions in the master thread (included NLSD letter as well as credit card transaction information showing that I paid for membership)

July 22 - Heard nothing so I called in. They said it takes longer when joining through NLSD because they have to verify the membership. They confirmed they did have my membership application though. They said I would hear something by next week.

July 29 - Still had not heard anything so I called in again. They said I would hear something by the middle of next week.

August 3 - Heard nothing so I called in again and they confirmed everything was in order and the approval would come soon.

August 5 - Transunion Hard Pull

August 11 - Recieved welcome email.

Hope everyone else's approval process is faster but I'm still greatful for being accepted and for all the information people have posted on this board. Thanks!