ZERO STARS ACTUALLY

Navy Federal will not allow me to be listed on my husband's account as a joint owner because after my previous marriage, I had to file bankruptcy and a credit card that I had through them was included in that bankruptcy.  I didn't file bankruptcy because of any fiscal irresponsibility on my part, I was forced to file because I had $30k of uncovered medical bills that I was unable to get personal loans to cover and was advised upon speaking with attorney after attorney that it was the only way I would be able to resolve the issue.

When I asked the woman if something were to happen to my husband, how would I gain access to his account, she told me that I would have to get Power of Attorney. 

I asked her why Navy Fed penalizes people for being sick. She had no response to that. I told her that even though my bankruptcy was five years ago and it was for no reason other than extraordinary medical expenses, and they could pull my credit report to see that in the 5 years since I had the filing that there was zero credit issues whatsoever, I'm still being blackballed for life by them and that it's unfair practice.

I told her the representative that based on this, I am strongly going to encourage my husband to close out his account and take his $50k of loans/investments elsewhere.  I also told her that I will make sure that my son, who is joining the Marines, will not use Navy Fed either since they will barr me from being a joint owner to access his account while he is in basic.

Navy Fed is absolutely horrible and uncaring. Take your money elsewhere since if you have a significant life event beyond your control, you will have no help and will be excluded from them for the rest of your life.

I also want to follow up on the credit card I mentioned above - here is the story with that:

When I opened the card in 2001, I requested that my ex-husband be an authorized user, not a co-owner. The bankruptcy discharged the credit card in January 2006. In April 2008, my ex-husband (whom I am luckily friends with) informed me that he was being sued in court by some deadbeat credit collection agency for the balance due because he was listed as the co-owner of the account.  I forwarded him and his attorney copies of the discharge and the fact that Navy Fed had been notified electronically and in writing of the filing and discharge and that they never had protested it; I also called my bankruptcy attorney to find out if what was happening was legal, and they said that no it wasn't - especially since the statue of limitations had expired. My ex went to court, the collection agency people never showed up, and the action was denied so Navy Fed got nothing, which was the proper decision.  I called to follow up on this in early 2011 and was informed about how they were still seeking to get the money out of my ex and would not let me open an account until it was paid. I sent them the documents and the girl that I spoke with admitted that they had erroneously sent this to the collections agency and court TWO YEARS after the judgment, and further reiterated that I would never be allowed to use Navy Fed ever again  because they took a loss on me.

So, user beware. If you want to be falsely persecuted and prosecuted, use their services.