topic Re: I'm so OVER Navy Federal!!!! in Credit Cards

I'm so OVER Navy Federal!!!!

WhiteCollar — Thu, 04 Oct 2012 15:40:00 GMT

Monday I used the membership eligibilty wizard of NFCU's website to determine that I was eligile for membership because my employer is one of the agencies listed. I funded both savings and checking accounts immediately. I also applied for and was approved for a cashrewards visa with a $5k CL and a Line of Credit for $7.5. Now they want to verify my eligibilty which is normal. I logged in my accounts only to see that I have been locked out and was instructed to call the 800 number. I do not have any type of access to my deposits which were large. I spoke to someone in the membership department that told me to fax her my paystub that has the agencies name on and and my work ID. I told her I would and I did. However, my ID as well as a few thousand others does not have the name of the agnecy listed on it. She told me that was weird and that she'd have to research this further.

I'm worried that my membership may be revoked! I told her the name of the agnecy I work for was an avaialable option. Now she's investigationg and I have to wait to here back from them. I've already taken the hp for the membership, LOC and the visa. What do you guys think could possible happen next?

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

Anonymous — Wed, 26 Sep 2012 18:32:44 GMT

Possibly jail time for banking fraud, up to 6 months, but more likely just a slap on the wrist with a fine and community service, IMO

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

Duncanrr — Wed, 26 Sep 2012 18:36:33 GMT

Orange jumpsuits are so in right now. Got to love the fall fashion.

I wouldn't worry, the biggest problem is no access to funds while dealing with this.

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

DaveSignal — Wed, 26 Sep 2012 18:37:10 GMT

I think their security department is getting very picky about non-military member accounts. Unfortunately, it may take awhile.

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

Whereis750 — Wed, 26 Sep 2012 18:47:52 GMT

@PrettyNPink wrote:
Monday I used the membership eligibilty wizard of NFCU's website to determine that I was eligile for membership because my employer is one of the agencies listed. I funded both savings and checking accounts immediately. I also applied for and was approved for a cashrewards visa with a $5k CL and a Line of Credit for $7.5. Now they want to verify my eligibilty which is normal. I logged in my accounts only to see that I have been locked out and was instructed to call the 800 number. I do not have any type of access to my deposits which were large. I spoke to someone in the membership department that told me to fax her my paystub that has the agencies name on and and my work ID. I told her I would and I did. However, my ID as well as a few thousand others does not have the name of the agnecy listed on it. She told me that was weird and that she'd have to research this further.

I'm worried that my membership may be revoked! I told her the name of the agnecy I work for was an avaialable option. Now she's investigationg and I have to wait to here back from them. I've already taken the hp for the membership, LOC and the visa. What do you guys think could possible happen next?

Does your paystub show the name of the agency you work for? If it does, was this not sufficient for NFCU?

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

nbknxf2 — Wed, 26 Sep 2012 18:50:30 GMT

Had a similar hassle when my wife and I signed up.

My sister-in-law is retired marines and she helped us become members by providing us with her access number. As far as we were concerned, we were eligible for membership. We established a joint checking and savings account and my wife established a savings accounts as an individual so that we could jointly apply for a refi of our mortgage later this year. After funding the accounts (very small about), I received a call stating that based on my credit score I was invited to apply for a credit card. The next day I was approved for the credit card. (new Visa Signature) A week later, we received the debit and credit cards. Activated the debit cards. No problem. Tried to activate the credit cards. Received a message that I must call in. They wanted to see a copy of my driver's license, SSN card, W-2's, pay stubs, and tax returns. My first thought was this is just to much of a hassle but I quickly reminded myself of just how well this CU treated their customers with generous credit lines and options. A true banking partner, once you have achieved full membership. It took about a week to resolve but it was well worth it.

Hang in there. Provide them what they requested. It is WELL WORTH IT!

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

DaveSignal — Wed, 26 Sep 2012 18:53:15 GMT

@Whereis750 wrote:

Does your paystub show the name of the agency you work for? If it does, was this not sufficient for NFCU?

Probably because they are not looking for a "paystub" from the organizations that warrant eligibility. They are looking for a "Leave and Earnings Statement" issued by the Department of Defense.

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

Tommy5746 — Wed, 26 Sep 2012 19:09:51 GMT

Also, anytime you open a new account with a "large" deposit with a CU or bank that you dont have a prior relationship with, they tend to flag the account for further review just to make sure everything is "kosher"

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

Anonymous — Wed, 26 Sep 2012 19:23:30 GMT

I hope that everything works out for you!!! I know how stressful it can be. Hang in there!

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

WhiteCollar — Wed, 26 Sep 2012 19:55:11 GMT

Yes, my paystub has my employers name on it. My concern was her accusatory tone, like I intentionally tried to join fraudulently. When I told her the name of my employer and that I was indeed an option via their website she said that's not possible. I told her to check because she's wrong! I promptly printed the screen in case she says she could not find it. My agencies does not deal with the DoD. However, we are listed as an eliglbile organization.

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

wreith — Wed, 26 Sep 2012 20:31:26 GMT

@PrettyNPink wrote:
Yes, my paystub has my employers name on it. My concern was her accusatory tone, like I intentionally tried to join fraudulently. When I told her the name of my employer and that I was indeed an option via their website she said that's not possible. I told her to check because she's wrong! I promptly printed the screen in case she says she could not find it. My agencies does not deal with the DoD. However, we are listed as an eligible organization.

Does your company fall under any of these categories?

U.S. Government employees assigned to DoD installations (including Coast Guard)

All DoD civilian employees—including retirees and annuitants

DoD contractors assigned to U.S. Government installations

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

webhopper — Wed, 26 Sep 2012 21:45:05 GMT

I think you'll be fine.

*crossing fingers

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

DaveSignal — Wed, 26 Sep 2012 22:16:22 GMT

@PrettyNPink wrote:
Yes, my paystub has my employers name on it. My concern was her accusatory tone, like I intentionally tried to join fraudulently. When I told her the name of my employer and that I was indeed an option via their website she said that's not possible. I told her to check because she's wrong! I promptly printed the screen in case she says she could not find it. My agencies does not deal with the DoD. However, we are listed as an eliglbile organization.

I am now curious as to where the "NFCU eligible non-DoD organization list" is. Can you please post the link? I searched a few times on google, but the only thing I could find is this eligibility checklist. It would make more sense if your organaztion was working on a DoD installation doing contract work, but you said you don't deal with DoD?

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

WhiteCollar — Wed, 26 Sep 2012 22:47:42 GMT

I never mentioned a non-DoD eligibility list, my agency is listed as option.. I will just wait to here from them. Thank you all for your feedback.

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

Anonymous — Thu, 27 Sep 2012 09:36:09 GMT

Well I can tell you from first hand experience that the security dept has the ultimate say so if your eligible or not. The last thing I would do is be rude to them. Worst thing that could happen is they shut you down then demand repayment of any credit you've taken out plus you will have the hp's used to apply with them. Let's hope that does not happen. Keep us posted

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

LS2982 — Thu, 27 Sep 2012 10:23:13 GMT

Fingers crossed for you!!

I agree with others with being extremelt polite throught this process.

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

gettnthere — Thu, 27 Sep 2012 10:26:12 GMT

+1, Hopefully everything will turn out fine. Just be extremely nice and provide them with whatever they want. Good luck!!

Re: OH NO!!! Possible NFCU Membership Snafu....HELP!!

wreith — Wed, 03 Oct 2012 15:30:06 GMT

Has there been any update to this situation?

Re: I'm so OVER Navy Federal!!!!

WhiteCollar — Thu, 04 Oct 2012 15:37:48 GMT

UPDATE: So I would have been eligible under my current employer if I was actually on an installation. Anywho, my half brother (different fathers) was in the Navy and is a member so he told me just to use him as a way to join. So I try to use that method and they request a copy of my birth certificate which I had no issues providing. They said that's how they verify relation but guess what, my father's name is not on my birth certificate, just my mom's name. So the rep says then you are not eligible to join!? **bleep**?!? I'm so over Navy Federal!!!!

Re: I'm so OVER Navy Federal!!!!

maiden_girl — Thu, 04 Oct 2012 16:25:49 GMT

Well..its kinda Navy Federals fault. They should've made sure you were eligible before taking your money (they'll be a hold on that for 10 business days I bet)

They can probably reverse the HP on your CR for the credit card.