@Anonymous wrote:Hi everyone!
I have a quick question about appealing a membership denial. Here is the full story. I applied over the phone for a membership and was approved, my grandfather was in the Army and gave the rep information even though she didn’t really request it. I opened a checking and savings account and set up online access with her. All seemed well. A few days later, I decided to apply for a credit card and was approved. I was ecstatic. I got a message that I needed to send in docs to verify my identity. I wasn’t surprised by this as my mother who recently joined had gone through the same thing. So I emailed my license and copy of the water bill but just the bill pay portion with my name and address on it. I got a response that the document was cut off so I resent in a copy of a W-2 and a paystub. This is where the confusion came from. Last year, I started a new job mid year. The W-2 from that employer that I submitted only showed the earnings I made for part of the year. The paystub shows my income but obviously doesn’t match up to the amount on the W-2 since it shows I made way less. So I get an email that my membership was denied because of the documents I submitted. I called a rep told me there was an alert saying the account could have been open fraudulently since the numbers from the W-2 and the paystub didn’t match up. He suggested I submit both W-2s from last year and explain the timeline of switching employers to them. So the next day I submitted both W-2s and a water bill and passport picture so they know it’s me and also explaining my new position. I also explained that my new position involved a significant pay increase which I put on my applications and can be shown from my pay stubs. So my question is, does NFCU really look into and review appeals for membership denials? I tried to go into a branch to explain further and they said since it was with security review they couldn’t do much but to wait 15 business days for a decision. I know they are strict in their requirements but this just seems like a case of misunderstanding, I just wish they reached out and asked about it before sending a denial. Anyone have any experience or thoughts if I will eventually be approved. I wasn’t dishonest in any way but I can see how they would see a slight discrepancy from the paystub and the W-2. Sorry this was long and thank you!
I think NFCU will do the right thing.
Believe me, I am VERY thankful. My experience with them has been very good so far, and I'd like to keep it that way! 
Hi there,
I have heard that happen to people too! My issue with verifying my account was resolved in a bout a week which was frustrating but what i did do was complain about my frustration on their Facebook page and it was resolved soon after that. Just a tip.