MasterBates
Well-Known Member
Okay, without this devolving into a divorce thread:
On April 26 my divorce decree was signed. I got stuck with my ex's Navy Fed Visa, which was technically a joint account, but I never used it.
On April 27, I went in to the Mayport Member Service Center, and showed them the court documents, and closed the account. Transferred the $9Kish balance to my card. Was told that no more charges could be made, and any auto debits, card swipes, phone/internet orders or convienence checks would be rejected.
On May 12th, I got a letter dated May 7th stating that a check had been rejected. I called NFCU to see what the deal was, and if there were any more. I found out they CASHED a check on 10 May, two weeks AFTER the account was closed.
After getting NOWEHERE in 2 hours on the phone, I drove to the Portland, TX MSC and talked to the branch manager. Basically, they are saying that I have to pay the $226 check. Because the date written on it was before the account was closed. It was to USAA, which I was paying (ex's car insurance) until May 1. I know she did not send the check out before, because I had already paid the bill for that month, and she was whining about how SHE would pay it when she was deemed responsible for it on April 26th.
So I call them, inform them this was a fradulent use of the check. Navy Federal did not care.
"Convienence Checks are NOT disputable" is what they told me.
Even if they are:
Stolen
Used Fradulently
Written on a CLOSED account
I have been banking with Navy Federal for over 5 years. They held the mortgage on my house, loans on my Motorcycle, Truck, 3 cars, personal loan to pay the lawyer, and my ONLY credit card. I have NEVER been late with them.
For all the "customer service" and "We understand the servicemembers needs" that NFCU likes to spout, the ONLY time I have ever needed them to do ANYTHING from a customer service standpoint, they have essentially told me to go fook myself.
As a result, Navy Fed has lost a customer. If anyone from NFCU is reading this, why would the "impersonal" corporate banks waive any fraudulent charges without question (I had a similar issue with a stolen CC Check and MBNA 8 years ago when I was in college, and it was a $2000ish) but NFCU has needed me to spend over FOUR HOURS either on the phone, or in person at a branch.
Only to be told, politely, to stick it up my rear.
Guys/Girls, consider yourself warned.
On April 26 my divorce decree was signed. I got stuck with my ex's Navy Fed Visa, which was technically a joint account, but I never used it.
On April 27, I went in to the Mayport Member Service Center, and showed them the court documents, and closed the account. Transferred the $9Kish balance to my card. Was told that no more charges could be made, and any auto debits, card swipes, phone/internet orders or convienence checks would be rejected.
On May 12th, I got a letter dated May 7th stating that a check had been rejected. I called NFCU to see what the deal was, and if there were any more. I found out they CASHED a check on 10 May, two weeks AFTER the account was closed.
After getting NOWEHERE in 2 hours on the phone, I drove to the Portland, TX MSC and talked to the branch manager. Basically, they are saying that I have to pay the $226 check. Because the date written on it was before the account was closed. It was to USAA, which I was paying (ex's car insurance) until May 1. I know she did not send the check out before, because I had already paid the bill for that month, and she was whining about how SHE would pay it when she was deemed responsible for it on April 26th.
So I call them, inform them this was a fradulent use of the check. Navy Federal did not care.
"Convienence Checks are NOT disputable" is what they told me.
Even if they are:
Stolen
Used Fradulently
Written on a CLOSED account
I have been banking with Navy Federal for over 5 years. They held the mortgage on my house, loans on my Motorcycle, Truck, 3 cars, personal loan to pay the lawyer, and my ONLY credit card. I have NEVER been late with them.
For all the "customer service" and "We understand the servicemembers needs" that NFCU likes to spout, the ONLY time I have ever needed them to do ANYTHING from a customer service standpoint, they have essentially told me to go fook myself.
As a result, Navy Fed has lost a customer. If anyone from NFCU is reading this, why would the "impersonal" corporate banks waive any fraudulent charges without question (I had a similar issue with a stolen CC Check and MBNA 8 years ago when I was in college, and it was a $2000ish) but NFCU has needed me to spend over FOUR HOURS either on the phone, or in person at a branch.
Only to be told, politely, to stick it up my rear.
Guys/Girls, consider yourself warned.
