topic Re: Navy Federal - NLSU Excluded in Personal Finance

Navy Federal - NLSU Excluded

Arago — Sat, 29 Oct 2016 03:30:04 GMT

Called Navy Federal 3 times, 3 reps, all said that NLSU membership is a no go. One laughed at me and acted like I was a used car salesman. Said their coporate office is reviewing this and has suspended all applications in the mean time. What now? Sooooo disappointed.

Re: Navy Federal - NLSU Excluded

Anonymous — Sat, 29 Oct 2016 03:36:07 GMT

Wonder how much increase of apps, credit cards and CLOC they've had since the Navy League by pass became known and popular. Guess times are changing

Re: Navy Federal - NLSU Excluded

Anonymous — Sat, 29 Oct 2016 04:08:59 GMT

Re: Navy Federal - NLSU Excluded

Anonymous — Sat, 29 Oct 2016 04:16:27 GMT

Well I signed up for NLSD this week, took my email excepting me with 25 dollar membership fee paid into branch. They faxed it to dept. said 7 day process. I called next day, rep gave me Documents email, I emailed app email photo id ss card. Called back 1 hour rep got my access # funded my accounts applied for cash reward visa, came back low SL 2100, app'd CLOC asked for 15000, bam instant approval. So this was yesterday. Happy to be in Navy And Penfed! Hope this helps.

Re: Navy Federal - NLSU Excluded

UncleB — Sat, 29 Oct 2016 18:02:01 GMT

@Arago wrote:
Called Navy Federal 3 times, 3 reps, all said that NLSU membership is a no go. One laughed at me and acted like I was a used car salesman. Said their coporate office is reviewing this and has suspended all applications in the mean time. What now? Sooooo disappointed.

If this is accurate it's truly unfortunate. (Note that I'm not questioning your authenticity, only that of the CSRs you have dealt with.)

Has anybody else using NLUS as their path to NFCU membership been turned away?

(This is one time where I would love to have no responses to my question.)

Re: Navy Federal - NLSU Excluded

Anonymous — Sat, 29 Oct 2016 19:51:18 GMT

This is a respnse I recieved from the NFCU facebook page. The Navy League of United States San Diego Council is not in our primary field of membership as defined by the National Credit Union Administration. Our primary field of membership includes individuals with the common bond is with the Department of Defense. In 2010 USA Federal Credit Union was merged with Navy Federal at the request of the National Credit Union Administration. As part of the due diligence with merger, Navy Federal was asked to continue to accept USA Federal Credit Union's Charter which includes the Navy League of United States San Diego Council. If someone wants to join that is eligible through the Navy League of United States San Diego Council, they must fill out a paper application. Let us know if you have additional questions.

Re: Navy Federal - NLSU Excluded

Prosper777 — Sat, 29 Oct 2016 21:59:50 GMT

@Anonymous wrote:
This is a respnse I recieved from the NFCU facebook page. The Navy League of United States San Diego Council is not in our primary field of membership as defined by the National Credit Union Administration. Our primary field of membership includes individuals with the common bond is with the Department of Defense. In 2010 USA Federal Credit Union was merged with Navy Federal at the request of the National Credit Union Administration. As part of the due diligence with merger, Navy Federal was asked to continue to accept USA Federal Credit Union's Charter which includes the Navy League of United States San Diego Council. If someone wants to join that is eligible through the Navy League of United States San Diego Council, they must fill out a paper application. Let us know if you have additional questions.

From what I can gather by this message is that anyone can still join via Navy League San Diego Council as long as you fill out a paper application and make sure you write SAN DIEGO Council on it and keep a copy for your records. They have to honor the merger deal!

Re: Navy Federal - NLSU Excluded

UncleB — Sat, 29 Oct 2016 21:29:03 GMT

@Prosper777 wrote:
@Anonymous wrote:
This is a respnse I recieved from the NFCU facebook page. The Navy League of United States San Diego Council is not in our primary field of membership as defined by the National Credit Union Administration. Our primary field of membership includes individuals with the common bond is with the Department of Defense. In 2010 USA Federal Credit Union was merged with Navy Federal at the request of the National Credit Union Administration. As part of the due diligence with merger, Navy Federal was asked to continue to accept USA Federal Credit Union's Charter which includes the Navy League of United States San Diego Council. If someone wants to join that is eligible through the Navy League of United States San Diego Council, they must fill out a paper application. Let us know if you have additional questions.
By what I can gather by this message is that anyone can still join via Navy League San Diego Council as long as you fill out a paper application and make sure you write SAN DIEGO Council on it and keep a copy for your records. They have to honor the merger deal!

That is my take as well.

For a while now I've been encouraging folks to "keep it simple" and use a paper application/snail mail if they are using NLUS as their path to NFCU membership, and this Facebook response would seem to reinforce that.

At the risk of sounding like a broken record, if you want the path of least resistance you'll do best to allow NFCU's in-place processes to work. This isn't to say that it's impossible to 'shoe-horn' in an app via branch, fax, etc. - depending on the CSR that gets the application sometimes they are able to make it work - but it's clearly YMMV at best.

Re: Navy Federal - NLSU Excluded

Guyatthebeach — Sun, 30 Oct 2016 02:14:21 GMT

@Arago wrote:
Called Navy Federal 3 times, 3 reps, all said that NLSU membership is a no go. One laughed at me and acted like I was a used car salesman. Said their coporate office is reviewing this and has suspended all applications in the mean time. What now? Sooooo disappointed.

Arago,

Don't get disappointed, just yet. NFCU is still accepting and approving membership requests from the Navy League-San Diego. You have fill the application and send it in with all the support ducoments. The rep I spoke with did mention that NFCU is reevaluating Navy League and BAE new membership applications. There has been a lot a fraud recently with the increased number of applications.

If you want to join, I would do know. I would send a copy of everything and be completely honest on your app.

It's been my expiereince with NFCU that they would just like a government agency. To get what you want, you have to play 100% by their rules and be super nice.

Guyatthebeach

Re: Navy Federal - NLSU Excluded

Prosper777 — Sun, 30 Oct 2016 04:54:27 GMT

@Guyatthebeach wrote:

The rep I spoke with did mention that NFCU is reevaluating Navy League and BAE new membership applications. There has been a lot a fraud recently with the increased number of applications.

It's beyond me why would a rep say that to anyone. I'm not doubting you at all, I'm just baffled by this type of interaction. And what type of fraud could possibly go through their barrage of bureaucracy, since they ask you for all of your documents, many times over?!?

It seems to me that some of them are jealous that the good news are spreading like wildfire. We should all just enjoy the benefits and be happy and help one another IMO. Everyone should continue to apply through the Navy League San Diego Council and get to Navy Federal.

Re: Navy Federal - NLSU Excluded

SlidingBy — Sun, 30 Oct 2016 05:14:11 GMT

Just another data point and/or confirmation. I joined NL San Diago chapter on the 22nd. I sent a copy of that confirmation/payment email, a copy of my 2 IDs, and the filled out paper application to the membershipdocs@navydfederal.org address. I got a confirmation email that they approved my application on the 28th. This is currently no reason to think that this path is not working.

Re: Navy Federal - NLSU Excluded

Anonymous — Sun, 30 Oct 2016 14:48:24 GMT

I need to be clairifed on something do you apply for NLUS by mailing an application or can you do it online and print out a confirmation? I do know that I will have to fill out a paper application for NFCU but I can take take that and my 2 forms of ID to my local branch and have it faxed over.

Re: Navy Federal - NLSU Excluded

Guyatthebeach — Sun, 30 Oct 2016 15:01:28 GMT

@Anonymous wrote:
I need to be clairifed on something do you apply for NLUS by mailing an application or can you do it online and print out a confirmation? I do know that I will have to fill out a paper application for NFCU but I can take take that and my 2 forms of ID to my local branch and have it faxed over.

Either fax it, email it, or mail it. Don't apply on online.

Re: Navy Federal - NLSU Excluded

UncleB — Sun, 30 Oct 2016 15:15:06 GMT

@Guyatthebeach wrote:
@Anonymous wrote:
I need to be clairifed on something do you apply for NLUS by mailing an application or can you do it online and print out a confirmation? I do know that I will have to fill out a paper application for NFCU but I can take take that and my 2 forms of ID to my local branch and have it faxed over.
Either fax it, email it, or mail it. Don't apply on online.

If you want to avoid the 'unable to read your ID' problem simply mail it USPS... it does take a couple of extra days but you don't have to worry about delays later on.

I strongly recommend taking Guyatthebeach's advice to avoid online altogether, though... while a few have been able to make it work, that seems to be the method NLUS folks have the most issues with.

Re: Navy Federal - NLSU Excluded

Anonymous — Sun, 30 Oct 2016 15:38:29 GMT

Would it be better to email all my infomation to NFCU after getting a welcome letter for NLUS or to go over to a branch and have them fax it, or mail it to them? I know I may be repeating some things but I want to get this right.

Re: Navy Federal - NLSU Excluded

Guyatthebeach — Sun, 30 Oct 2016 15:42:36 GMT

@Anonymous wrote:
Would it be better to email all my infomation to NFCU after getting a welcome letter for NLUS or to go over to a branch and have them fax it, or mail it to them? I know I may be repeating some things but I want to get this right.

Mewing103380,

You have a few options. You can fax it or let the branch fax it. Just be prepared to have to refax it a few times over missing pages or NFCU can read your ID. You can email and have the same potential results.

If I were doing this again, I'd send it through regular mail. This way they get everything the first time

Re: Navy Federal - NLSU Excluded

UncleB — Sun, 30 Oct 2016 15:44:41 GMT

@Anonymous wrote:
Would it be better to email all my infomation to NFCU after getting a welcome letter for NLUS or to go over to a branch and have them fax it, or mail it to them? I know I may be repeating some things but I want to get this right.

IMHO it would be best to MAIL it... if you comb the threads on NLUS/NFCU, you'll see that snail-mailed apps tend to have the least drama.

I'm not saying that branch/fax doesn't work, but the most consistent results have been with using the USPS.

Re: Navy Federal - NLSU Excluded

Anonymous — Sun, 30 Oct 2016 15:49:58 GMT

Ok, thanks for all the replies, will take it into consideration. If I go to the branch and have the documents faxed over will I know the same day that I am accepted or would I have to wait?

Re: Navy Federal - NLSU Excluded

Guyatthebeach — Sun, 30 Oct 2016 15:54:20 GMT

From what I know, no because faxes for membership are handled in one office in VA and they will process it when they get to it. That can be today or next week.

Keep in mind, NFCU runs like the government. You don't rush a thing, only they rush things.

Re: Navy Federal - NLSU Excluded

Anonymous — Sun, 30 Oct 2016 15:57:14 GMT

Ok, once accepted do I need to go to the branch to set up a savings account or can I do it online?