NFCU closed all my accounts

EmmyWannabeOrman · ‎05-09-2014

I have a NFCU with a 2500 balance and Navchek with a 1009 balance.... How will they report now that my accounts are closed? And will my accounts still accumulate interest now that they're closed?

Cap One QS 1950, NFCU 7000, NavChek 6500, Cap One secured 750, IFCU 1000, IFCU (overdraft line of credit) 1000, Express 3100, NY&Co 2650, Victoria's Secret 2650, Exxon/Mobil 300, Zales 500, Kay's 900, Walmart 3500, Bloomingdales 1000, Belks 850, Paypal Smartconnect 1300, Chase Freedom 2000,Chase Slate 500. Gap 4000, BP 3000, Amazon store card 3500

Revelate · ‎05-09-2014

@EmmyWannabeOrman wrote:
I have a NFCU with a 2500 balance and Navchek with a 1009 balance.... How will they report now that my accounts are closed? And will my accounts still accumulate interest now that they're closed?

I don't know exactly but they should report "Closed by credit grantor" with the current balance and keep reporting.

Also interest will still accumulate as I understand it. If you pay it to $0 and haven't incurred any lates, it'll report as a positive tradeline from a FICO perspective.

Any idea why they took this AA against you?

EmmyWannabeOrman · ‎05-09-2014

I have had it with them. This is the second time they froze my accounts due to elgilbility "proof." The first time I submitted it and they reopened my accounts! They want the same proof from my dead grandparents (sponser.) I can't be bothered... I'll transfer my balances or pay them off

Cap One QS 1950, NFCU 7000, NavChek 6500, Cap One secured 750, IFCU 1000, IFCU (overdraft line of credit) 1000, Express 3100, NY&Co 2650, Victoria's Secret 2650, Exxon/Mobil 300, Zales 500, Kay's 900, Walmart 3500, Bloomingdales 1000, Belks 850, Paypal Smartconnect 1300, Chase Freedom 2000,Chase Slate 500. Gap 4000, BP 3000, Amazon store card 3500

Anonymous · ‎05-11-2014

OP, this is the second thread you've started covering basically the same subject. For what it's worth, in my eleven years working in a call center, those who complain the loudest are usually partially at fault for their own problems. And those who typically call call center reps rude, nasty, etc....usually are the ones who can't get their way and use this as an easy out. I've never had an issue with NFCU reps, but then again, i've worked in a call center - so I know what type of attitude does and doesn't work with agents.

EmmyWannabeOrman · ‎05-11-2014

Were you on the other end of my phone call? Or let me guess-you know all of the details? Your experience as a call center rep has no real input of my situation, you could have worked for the president for eleven years and it still wouldn't matter as you don't know the details or matters of hand. So anyone who was treated nastily by a rep is usually at fault? Lol! I had a bad experience with a rude rep, sorry to offend you and your eleven years of experience as a call center rep, but I was speaking about a particular rep and not all of them! Quit trolling and scolding people here!

Cap One QS 1950, NFCU 7000, NavChek 6500, Cap One secured 750, IFCU 1000, IFCU (overdraft line of credit) 1000, Express 3100, NY&Co 2650, Victoria's Secret 2650, Exxon/Mobil 300, Zales 500, Kay's 900, Walmart 3500, Bloomingdales 1000, Belks 850, Paypal Smartconnect 1300, Chase Freedom 2000,Chase Slate 500. Gap 4000, BP 3000, Amazon store card 3500

myjourney · ‎05-11-2014

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

EmmyWannabeOrman · ‎05-11-2014

Lol I'm trying, but some people take things so personal

Cap One QS 1950, NFCU 7000, NavChek 6500, Cap One secured 750, IFCU 1000, IFCU (overdraft line of credit) 1000, Express 3100, NY&Co 2650, Victoria's Secret 2650, Exxon/Mobil 300, Zales 500, Kay's 900, Walmart 3500, Bloomingdales 1000, Belks 850, Paypal Smartconnect 1300, Chase Freedom 2000,Chase Slate 500. Gap 4000, BP 3000, Amazon store card 3500

pizza1 · ‎05-11-2014

MJ.... Lol!!!

takeshi74 · ‎05-12-2014

@EmmyWannabeOrman wrote:
How will they report now that my accounts are closed?

Probably as maxed out so you'll want to pay them off ASAP.

Anonymous · ‎05-12-2014

OP, my point was there is always two sides to the story, and then there's somewhere in the middle. If you spoke to them the way you responded to me, then the middle makes much more sense. The codephrase for "rude rep" = "I didn't get my way".