That credit union is so large that it might have all the disadvantages of a giant bank. I think if you want more personal service you’d be better off with a small local credit union or bank (if you can still find a small local one).
I can’t argue with that!
We’ve been fortunate in our limited dealings with Navy FCU - we keep a small savings account there so we can go in and cash checks (though they’ve now stopped cashing checks on other banks - so we just deposit the check, and withdraw the cash from the account balance!). We did our car loan there as well. But a friend had some troubles with them some time ago (he was not specific, so I have no clue what happened).
The smaller CU we have for most of our money actually has helped out in unusual ways once or twice, like the time Shitibank declined to write a mortgage for the condo we were buying - the day before we were to close on it. The CU did some checking - and bumped up our HELOC limit so we could proceed with the purchase.
We’ve had accounts with NFCU for over 30 years and they’ve always been great. Never any problems at all.
I actually have an NFCU bank account. My first car (a used car) was financed through them. I haven’t done any real banking with them for decades but they never gave me an issue.
My Dad was in the Navy, that’s how I got an account with them. It was my first account ever.
I had an account with them a very long time ago. For all I know, my ex still has it. I also had an account with SDFCU (State Department) and had no issues.
For future reference, if you ever need to change where you want your Social Security retirement check deposited, it take them two months minimum to get that done. I am presently in an expired password hell with a couple of government sites. What a freaking mess. This means that we will have to call these respective agencies, stay on hold for several hours, be cut off several times, and be passed around at least twice per agency to get anything resolved.
Takes 'em forever to do ANYTHING.
FIL died the end of February. MIL is STILL receiving both of their benefits. Gonna result in a huge clawback. SIL is handling all the finances at present, making sure MIL does not inadvertently overspend. I think they finally have a phone call set for early July; might have been sooner except SIL didn’t have TIME to wait on the phone for hours.
Weirdly, when I called them a few weeks ago, needing to get a copy of FIL’s 1099 for last year, they mailed the thing to my address, no problem. I had assumed they would either tell me to go away (since I don’t have any kind of formal power of attorney), or at most mail it to the parents’ old home address. All in all, aside from the 45 minute wait on the phone, far easier than I had expected. It came a week or so later, addressed something like “Jane Doe on behalf of John Doe”.
I guess their policy is that there’s not much harm that could be done, by sending out that 1099 (since obviously I had all the info such as DOB, SS number, address), And as I said to the lady on the phone “I imagine if I were a scammer, I would not bother waiting on hold for most of an hour!”. She laughed.
Just ran into what might have been quite inconvenient, regarding that compromised card: we have a place booked through AirBnB for early July - a trip we’ve been looking forward to for months.
I’d paid the deposit using THAT card - and the rest would have gone on that card some time next week (or rather, failed). If I hadn’t spotted that in time, we’d have lost the reservation.
Luckily, I checked today, and they had not tried to bill the difference yet, so I just paid it on another card. Phew.
Those are literally the only scam emails that make it passed the spam filter. I regularly get emails saying that my annual subscription for Norton/Mcafee/Adobe has successfully been renewed for some three figure amount and to please call some number to dispute/cancel.
Why are these getting through when literally every other piece of spam gets the hammer?
Now for my just remembered scammer story.
Way back in the 2000’s I was a service tech at a computer supply/repair company. The usual stuff, diagnosing/repairing hardware issues. Hardware upgrades. Power washing the OS so it doesn’t take 10 minutes to boot or open an app.
Occasionally someone would bring it back complaining that the problem was still there. Usually because they or their kid had gone back to bigoltitties,com and gotten another malware package. Got one back once that I knew I had never seen before. It was a DIY Computer Shopper system so not a generic Acer that looked like any hundred others I had worked on. I pulled the original ticket and it was obvious that hardware I had installed in the original was not present. Specifically, the first was a tower with a 3.5" drive laying on the bottom of the case because there were only 5.25" bays for drives. I had installed an adapter kit so the drive could be properly mounted. The computer now on my bench was a desktop unit that the monitor sat on top of.
Obviously someone was trying to get two repairs for the price of one. I notify the owner who calls them and says something along the lines of hey, looks like you accidentally brought in the wrong computer. Do you still want us to repair it? That’s why he was front of house and I was back of house. I wouldn’t have thought to be that diplomatic. They agreed and I had another billable ticket.
Because the body of the email(including the text) is a single image that can’t be read by filtering software. All it sees is the “from:” and “to:” addresses.
I’ve seen that tactic, but that’s not the case here. There will occasionally be variants with an attached PDF “receipt”, the the body of the email is text.
Dear user, projammer
We thank you for your order again!
As requested by you, we have once again renewed your Norton annual subscription on (August 18, 2023).
This subscription plan includes PC security, Home network protection and Anti-theft firewall protection shield.
We have debited $ 179.89 from the updated account funds and the amount will reflect on the bank statement within 24 hours.
Have Questions? Contact us @ 1 (888)
Subscription and Order Information: -
Customer Unique ID: 1231963
Advanced PC Security and Network Shield
Payment Method: Auto Debit
Service Amount: $ 179.89This is a recurring charge which will be automatically debited every year from your account unless you unsubscribe our services or void the charges.
Please be noted, the debited amount will be refunded back to the original payment source, if we hear from you within 24 hours from the date of transaction.
kind regards,
Kevin L. Wall
Customer Support Helpdesk.
Tollfree No. 1 (888)
When we were managing a rental house we paid for the natural gas through DTE.
Once the house sold we started getting ACH withdrawals from our checking act from DTE for amounts less than $100.
DTE had no record of this transaction or account. The bank refunded our money and it happened again. It’s still happening every month an ACH w/d appears but the bank has a permanent block on it so it is rejected automatically but there’s nothing else to be done about it. It’s appears then after some hours disappears again.
I meant to say the withdraw appears “pending” it never actually hits our account.
A new (to me) scam is ‘gift card draining’
Scammers take store gift cards, copy the numbers and codes and then put then back on the sale racks. When customers buy them, thieves spend the money before the genuine consumer can.
It’s been around for quite a while. I don’t buy gift cards so I wouldn’t have known about it if it weren’t for my interest in scams and scambaiting.
Buy your cards online.
A few years ago my wife bought me a gift card for our anniversary and it had no balance on it.
So definitely not a new scam.
Christmas day love/relationship scam. I tend to be fairly brutal about these things, but hey, it was the day of good cheer and all. So I went lightly on “her”
(I got onto the internet in the “shock site” era, so I often bait into an exchange of fake photos, them BOOM… goatse or tubgirl or lemonparty … or something from rotten dot com )
Guys, guys, look at this great deal!
I assume someone will indeed fall for this…” insert your credit card” 
I’ve gotten a wide variety in that style. Funny they’re almost all located at the same address. Which is a mailbox place.
Dammit.
Got a text this morning at 4am from my credit card people. Someone tried to fraudulently use my card, so now it’s canceled.
So, new card number that I have to set up. God that pisses me off.