@practical1 wrote:Hello All,
I had a particularly nasty experience with these folks last November, which I'll share for the record.
As was suggested by other posters in several other threads, gave their pre-qual a try... and was offered a 20K VISA card. Decided not to proceed at that time (didn't need the HP). Was barraged with e-mails for a couple of weeks, then finally relented and was immediately approved. Had some difficulty uploading my Driver's license for ID verification and ulitmately called Customer Service -- had to email a scanned image to them and received the card via expedited service about a week later.
Everything was fine. I used the card, paid all charges immediately. Opened other accounts at the credit union and deposited funds. No issues at all.
Abruptly, all my accounts were cancelled without notice. Only learned of this when I was unable to log-on to their portal -- no one could tell me what was going on. A dozen or so calls later and I was directed to their Fraud Department who accused me of trying to open the account frauduelently -- no specific allegations mind you -- just some vague assertion of identity theft. No amount of verification of info on my credit file or offers of substantiation of any data they wished to confirm would satisfy them. I even offered to make the 5 hour drive to their office and present myself in-person.
Needless to say, I was very concerned that there might be some actual issue of which I was unaware of and required attention. They offered absolutely no useful feedback or had any interest in working with me to resolve their concerns or mine. I was polite and appropriate in every call and follow-up e-mail -- their people were not.
As far as I'm concerned, they can go straight to the "Neither Region." If my experience is in any way indicative of the way they do business, I'd avoid them. Plenty of other good credit unions out there, who respect their customers. Separately, PenFed has had no problem extending me $35K in unsecured credit at extremely favorable rates since this incident and US Bank has provided an additional $20K -- these are not institutions known to take on risky customers; consequently, I have good reason to believe that the Fraud Department at NASA had absolutely no basis for their specious assertions.
Of course, others might have had experiences totally different than mine...
I am so sorry you had to go through that. I'll pass. I don't have the time to mitigate those type of damages.
@Janneman wrote:
@Laredo wrote:About two months ago I was pre-approved at NASA for $10K but was denied when I pulled the trigger. I used the Dover pre-approval which resulted in the standard notice of "we will get back to you in 10 days". I totally forgot I applied for the Dover card until someone contacted me in about two weeks to join the credit union by opening a savings account for $5 and to provide a copy of my drivers license. Did both and was approved for $10K. Dover is a very small credit union and seems hard to get in.
Were you not asked for POI by Dover? I was asked, and after 2 months later they denied...written reason-Identity couldn't be verified..but the over phone they had questions about legitimacy of my paystubs even though I work for a big company which has thousands of employees...
They asked me for POI and then tried to deny (or rather DID deny initially) me for "unable to verify income."
@OmarGB9 wrote:
@Janneman wrote:
@Laredo wrote:About two months ago I was pre-approved at NASA for $10K but was denied when I pulled the trigger. I used the Dover pre-approval which resulted in the standard notice of "we will get back to you in 10 days". I totally forgot I applied for the Dover card until someone contacted me in about two weeks to join the credit union by opening a savings account for $5 and to provide a copy of my drivers license. Did both and was approved for $10K. Dover is a very small credit union and seems hard to get in.
Were you not asked for POI by Dover? I was asked, and after 2 months later they denied...written reason-Identity couldn't be verified..but the over phone they had questions about legitimacy of my paystubs even though I work for a big company which has thousands of employees...
They asked me for POI and then tried to deny (or rather DID deny initially) me for "unable to verify income."
I've heard of many people not getting what the PQ promised, but I personally didn't have this issue. NASAFCU never asked me for POI and gave me exactly what the PQ offered. My card is still active and never had any issues with them after approval?
They seem VERY YMMV from everything I've read in this thread and an older thread where the MF crowd first seemed to discover them.
