topic Re: Navy FCU Membership Denial in Personal Finance

Navy FCU Membership Denial

adelphi_sky — Thu, 27 Aug 2020 12:45:08 GMT

I applied for Navy Federal CU and got a denial. Very empty empty email that said I was denied in whole or in part of the information provided. The reply email was SecurityAppeals@navyfederal.org. From the email address, I assume they have a question about my personal information. I went through their membership qualification secontion and answered the questions truthfully. I got the "You're Qualified!" screen. So, it can't be for that reason.

However, If it is personal info, why not just say, "Your app is pending upon further investigation. Please give us a call."? They just flat out denied it. lol

I am currently a member of NASA FCU and have probably paid a small fortune in intereste on their credit cards and my rewards points still don't amount to enough to get ANYTHING. THeir point earnings structure is horrid. I'm also prepping for a good auto loan rate in the future. It was between Navy and Penfed.

My profile is excellent. No baddies, low DTI, and i haven't burned any banks with bad checking or savings activity. Anyone else get this cryptic email and was able to appeal the denial?

Equifax: 820

Transunion: 796

Experian: 804

Re: Navy FCU Membership Denial

Credit4Growth — Thu, 27 Aug 2020 13:04:07 GMT

Honestly, I have never heard of such a vague denial email, i would call and follow up with a live person as soosn as possible. Have yktried this already?

I am sorry to hear this. I applied over the phone as well as 5 other family members. Their membership process is pretty straight forward, as you may already have experienced. Call them on the phone! The only thing better that I can suggest is to apply in branch if this is an identification issue.

Re: Navy FCU Membership Denial

Anonymous — Thu, 27 Aug 2020 13:11:12 GMT

Do you happen to have your credit files locked or frozen?

Re: Navy FCU Membership Denial

adelphi_sky — Thu, 27 Aug 2020 13:19:35 GMT

@Anonymous wrote:
Do you happen to have your credit files locked or frozen?

Not at all.

Re: Navy FCU Membership Denial

adelphi_sky — Thu, 27 Aug 2020 13:20:02 GMT

@Credit4Growth wrote:
Honestly, I have never heard of such a vague denial email, i would call and follow up with a live person as soosn as possible. Have yktried this already?
I am sorry to hear this. I applied over the phone as well as 5 other family members. Their membership process is pretty straight forward, as you may already have experienced. Call them on the phone! The only thing better that I can suggest is to apply in branch if this is an identification issue.

I got the denial email late last night. I will call today.

Re: Navy FCU Membership Denial

coldfusion — Thu, 27 Aug 2020 13:24:54 GMT

As Credit4Growth suggested, call them and ask. There could for example have been some kind of internal mixup on their part or bogus cruft floating around that you aren't aware of.

Re: Navy FCU Membership Denial

MrT_521 — Thu, 27 Aug 2020 13:39:32 GMT

I would call and ask about it. I don't have experience with NFCU, but I had issues with getting approval for membership with both SDFCU and PenFed recently. In both cases, the problem was due to identity and/or address verification because I am an expat. And in both cases, customer service was very helpful in getting it resolved.

I've heard good things about NFCU, and I'm guessing they can at least let you know more precisely what's going on.

Re: Navy FCU Membership Denial

Anonymous — Thu, 27 Aug 2020 13:40:13 GMT

@adelphi_sky

Sorry to hear about the membership issue. FWIW I have a zillion family members who are with Navy but when I applied for membership I was denied as well. I called and was transferred to the security department and had to email a letter and include a selfie, my license, social security card and write my signature three times as well as provide a statement asking that a password be added to my membership if approved. It took a day or two to straighten out but it was all good after that. Everyone in my family joined in 5 minutes on the phone easy-peasy but I'm always the troublemaker lol!

Fingers crossed that it's just an ID verification for you. Please let us know!

Re: Navy FCU Membership Denial

adelphi_sky — Thu, 27 Aug 2020 14:04:48 GMT

Good lord! lol Thank you for your DPs Leilani. Love the name by the way!

Re: Navy FCU Membership Denial

adelphi_sky — Thu, 27 Aug 2020 14:08:36 GMT

It may be an address thing. I live in an unincorporated part of the county and the zip comes up different than my town name. So, a lot of official docs may say one thing when I put down another. But if you google my address, you get the same house with two different town names. lol I'm thinking that whoever is looking at the app could easily verify that. Unless I got denied by AI.

Re: Navy FCU Membership Denial

Anonymous — Thu, 27 Aug 2020 14:13:49 GMT

@adelphi_sky

Yeah it was a bit stressful but I wanted to let you know so you didn't give up. Personally I have always wondered if I had set off some fraud alert or warning because I had joined several other credit unions within a couple of months.

I'm sure it will get all straightened out for you and you'll be a part of the family very soon. Watchin' for your update!

Re: Navy FCU Membership Denial

importxpresions — Thu, 27 Aug 2020 14:27:30 GMT

I applied over the phone and it was pretty simple. Took 5 minutes, I'd say call them.

Re: Navy FCU Membership Denial

AZ-Jeff — Thu, 27 Aug 2020 15:00:34 GMT

Definately give them a call and let us know the results and hope you get approved for membership.

Re: Navy FCU Membership Denial

Credit4Growth — Thu, 27 Aug 2020 15:02:29 GMT

@adelphi_sky wrote:
It may be an address thing. I live in an unincorporated part of the county and the zip comes up different than my town name. So, a lot of official docs may say one thing when I put down another. But if you google my address, you get the same house with two different town names. lol I'm thinking that whoever is looking at the app could easily verify that. Unless I got denied by AI.

Interesting! Has this happened to you in the before...even recently? I have wondered about instances similar to the circumstances you described. This has lead me to exacting concerning not only address verification but also personal information verifications to the point where I have withdrawn applications if a CSR could not accurately repeat/read aloud information I may have provided.

Has, I know this may sound a bit (insert adverb) but I have canceled CC's and closed bank account if the entire name and or middle initial could not be included - that's just me and my curiousity/strenuous to ensure everything is aligned.

I had a case of identity theft I in the past. Recently, on the other side of the country, someone attempted to use 2 if my CC's. Thankfully I can lock all cards when not in use. I am somewhat of a frequent traveler. Being able to lock my cards when not in use is a great benefit to me as I can receive a declined transaction notification. When that occurs, I just call the issuing FI and state that the purchase was not made by me please cancel current card and issue another card - no dispute of fraudulent purchase are needed. I am rambling but also sharing... This may sound like a lot to go through but it is less stressful than may other long and drawn out processes.

GL2U I hope this is all cleared up for you within a day or two!

Re: Navy FCU Membership Denial

Anonymous — Thu, 27 Aug 2020 15:20:23 GMT

That tool on the website that says you're qualified is broken and will take pretty much any employer if you entered one. Are you eligible based on a family member's or your own service?

Only these situations qualify for membership - https://www.navyfederal.org/membership/become-a-member/eligibility.php

Re: Navy FCU Membership Denial

adelphi_sky — Thu, 27 Aug 2020 15:27:41 GMT

It's crazy. On the phone now. They believe it is fraud. I just looked at my state and county property tax docs and one has the USPS Zipcode name and the other has the actual name of the town. lol I certainly have docs to show the two different addresses. I'm guessing that's the only thing it could be. Everything else is legit.

Re: Navy FCU Membership Denial

Anonymous — Thu, 27 Aug 2020 21:03:09 GMT

Years back I was young and stupid instead of old and stupid now.

Once got a large clothing purchase rejected at a bricks and mortar store.

At the time I was angry at my credit card issuer and was about to cancel card.

Called the issuer and they said that purchase was out of pattern.

Years later having had cards used fraudulently I am onboard with greater verification if it lowers fraud and theft.

If you are eligible for membership I would be surprised if you cannot get it resolved.

Re: Navy FCU Membership Denial

M_Smart007 — Thu, 27 Aug 2020 15:51:04 GMT

Wow, crazy story. Let us know how it goes?

Re: Navy FCU Membership Denial

adelphi_sky — Thu, 27 Aug 2020 16:07:36 GMT

Customer rep said to fill out an appeal letter. He can't tell me what the reasons were. I am pretty sure I qualify. Otherwise that would be a clear cut and dry denial saying I simply didn't meet the qualifications. But this is a fraud denial. Something I can clear up with any documentation, etc.

For security reasons, I can't speficy what I do or who I work for.

Re: Navy FCU Membership Denial

Credit4Growth — Thu, 27 Aug 2020 17:42:55 GMT

Happy to hear that you proceeded right away with making that phone call.