NAVY FEDERAL CREDIT UNION CFPB Complaints
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| Date Received | Timely Response | Product | Issue | State / Zip | Submitted Via | Tags |
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| 11/28/2020 | Yes |
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| XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Office of the President Navy Federal Credit Union PO Box XXXX, XXXX, XX/XX/XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXXXX United States AFFADAVIT OF TRUTH Dear To whom it may concern, Pursuant to Federal Law 15 U.S Code 1692g Validation of Debts, Navy Federal Credit Union & XXXX XXXX the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. I am XXXX a natural person in flesh, the consumer, demanding the name and address of the original creditor of this alleged debt owed. This alleged debt is assumed to be valid, which it is not valid per my rights pursuant to Federal Law. The continuance of the debt collector Navy Federal Credit Union & XXXX XXXX reporting this alleged debt on my alleged consumer report is a violation of my rights pursuant to Federal Law. 15 USC 1692A 803 Definitions ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. 15 U.S Code 1692g Validation of Debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Pursuant to Federal Law 15 USC 1602 the term creditor refers only to a person, banks can not extend credit pursuant to Truth and Lending Act only a person. A creditor must incur something which means take liability. These acts on behalf of your company are unfair credit practices and or reporting that undermines the public trust. B anks are debt collectors. Pursuant to Federal Law 15 USC 1602 the term bureau refers to only the Bureau of Consumer Financial Protection. It is a willful noncompliance and violation of my federal rights of privacy as a consumer to share personal information to 3rd part y organizations such as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my written consent. 15 U.S. Code 1602 - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) BUREAU. The term Bureau means the Bureau of Consumer Financial Protection. ( c ) The term Board refers to the Board of Governors of the Federal Reserve System. ( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. ( e ) The term person means a natural person or an organization. ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. ( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card. A national bank has no power to lend its credit to any person or corporation. ... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Pursuant to Federal 15 USC 1681i any and all inaccurate or unverifiable information must be promptly deleted from the consumer file. I have contacted XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX in reference to the inaccurate information and these organizations continue to violate my Federal Rights willfully. Pursuant to Federal Law USC 1681s-2 ( b ) provides a private remedy to injured consumers. Thus, a consumer can sue a company for furnishing inaccurate and/or incomplete information. In this case, the furnisher allegedly failed to take prompt and appropriate corrective action once it was notified that it had reported inaccurate information. Toby D. NELSON, Plaintiff-Appellant, v. CHASE MANHATTAN MORTGAGE CORP., Defendant-Appellee. Philbin v. Trans Union Corp., 101 F.3d 957, 962 ( 3d Cir.1996 ) ( quoting 15 U.S.C. 1681 ( b ) and Guimond v. Trans Union Credit Information Co., 45 F.3d 1329, 1333 XX/XX/XXXX ) ( citations omitted ). Title 15 U.S.C. 1681i ( a ) provides in relevant part : If the completeness or accuracy of any item of information contained in [ her ] file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. Sections 1681n and 1681o of Title 15 respectively provide private rights of action for willful and negligent noncompliance with any duty imposed by the FCRA and allow recovery for actual damages and attorneys ' fees and costs, as well as punitive damages in the case of willful noncompliance. 1 Pursuant to Federal Law USC 1681 A, a consumer report does not include any authorization or approval of an extension of credit or any communication among persons affiliated by corporate control. The alleged debt owed that the debt collector Navy Federal Credit Union & XXXX XXXX is reporting on my alleged consumer report is a blatant violation of my rights pursuant to Federal Law. 15 USC 1681a Definitions ; rules of construction Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) CONSUMER REPORT. ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; Pursuant to Federal Law 15 USC 1681 B My personal information is not to be furnished on any consumer report or with anyone without my written instruction. This is a willful violation of my Federal Rights as a consumer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Pursuant to Federal Law 15 USC 1692 C, the debt collector Navy Federal Credit Union & XXXX XXXX must cease collection, and communication of in reference to the alleged debt owed that I am refusing to pay. This inaccurate collection is an inconvenience to me and my future as a consumer. Sharing my personal address with other organizations to furnish on a consumer report without my permission willfully is a violation. Navy Federal Credit Union & XXXX XXXX has violated my rights pursuant to Federal Law by communicating with a third party about an alleged debt owed. 15 USC 1692 Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLYWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. 15 USC 1692b 804. Acquisition of location information Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector Pursuant to 15 USC 1692E ( 11 ) Navy Federal Credit Union & XXXX XXXX initial communication with a consumer must be disclosed that they are a debt collector and there is an attempt to collect a debt. I the consumer have not received disclosure written or oral stating that Navy Federal Credit Union & XXXX XXXX had the intent to collect a debt or that they are debt collectors. This is a willful violation of FEDERAL LAW and my rights as a consumer. This alleged debt is now null and void. A debt collector may not use any false, deceptive or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 15 USC 1692E False or Misleading Representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Pursuant to 15 USC 1692E ( 3 ) Any communication from an attorney on behalf of Navy Federal Credit Unoin & XXXX XXXX is a violation of FEDERAL LAW. The letter sent to me from XXXX XXXX is signed by a legal assistant. As a consumer this is willful violation of my rights pursuant to FEDERAL LAW. 15 USC 1692E ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) I am invoking specified remedy as a consumer. I am demanding monetary relief of {$100000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit. I am also demanding any balance for any alleged debt owed reported on my alleged consumer report to be zeroed out and report as paid in full. 15 U.S. Code 1692g - Validation of debts ( c ) ADMISSION OF LIABILITY The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 U.S. Code 1692h.Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. 15 USC 1681 ( n ) ( a ) any person who willfully fails to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of damages sustained by me the consumer of {$1000.00} per violation. I certify under penalty of perjury that the foregoing is true and correct. Respectfully, XXXX XXXX | ||||||
| 01/11/2023 | Yes |
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| XXXX XXXX, XXXX XXXX, a consumer citizen of XXXX sent a letter on XXXX XXXX, via certified mail with request of validation of debts. The letter was received by NAVY FCU on XX/XX/XXXX. As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation is requested ( FDCPA 15 USC 1692g Sec 809b ) in the following order : Full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies and overall compliance with all FCRA and FDCPA by laws as instructed by federal law. It is upsetting to know such companies do not follow rules and laws. More importantly, companies such as the pursuant above should be held accountable for their actions. According to the FCRA a corporation is required to respond and complete and investigate within 30 days. As of XXXX, I still have not received anything pertaining to a complete investigation. Based upon evidence available to me, there is no debt owed. These laws are to make sure that there is a level of fairness to protect American consumers from nefarious, abusive reporting procedures on credit consumer reports, as well as illegal and deceptive collection practices. Also, I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by NAVY FEDERAL CREDIT UNION Account # XXXX in XXXX, they NEVER SENT ME in all those years a Pre Adverse Notices, or NEVER SENT ME a Adverse Action Notices. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). NAVY FEDERAL CREDIT UNION never informed me of my rights. NAVY FEDERAL CREDIT UNION has the obligation to correct action. ECOA protections extend through the life of loan. This comes about after a consumer sued NAVY FEDERAL CREDIT UNION for closing his credit card account without providing an explanation ( as required under the ECOA ). The CFPB had filed a friend of the court brief in that case, stating that the ECOAs crucial protections against credit discrimination do not disappear the moment that credit is extended. Rather, ECOA shields existing borrowers from discrimination in all aspects of a credit arrangement. The CFPB released Circular to reiterate creditors ' adverse action notice requirements under ECOA. I have made multiple attempts over 5 years in writing including certified mail starting in late 2018 to let NAVY FEDERAL CREDIT UNION know about the many violations and discrimination and under TILA & BILLING ERRORS 15 USC 1666 falsely furnishing negative damaging information " late payments and charge off " on these accounts. I have tried to explain multiple times over the years to NAVY FEDERAL CREDIT UNION what the FEDERAL LAWS says in FCRA 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions ORIGINATE FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT " I EXTEND CREDIT '' and it is my right to operate in commerce. Does NAVY FEDERAL CREDIT UNION know OR care what happens when penalties for not complying with the ECOA happen? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to { {$10000.00} } for an individual claim or the lesser of { {$500000.00} } or 1 % of the lender 's net worth in a class action. Not only is NAVY FEDERAL CREDIT UNION appear to be discriminating against me and denying me extending credit they have been damaging my credit worthiness for 5 years now, there tarnishing my name by furnishing negative information " late payments and chargeoffs '' on my consumer reports as a way of coercion to pay these alleged debts which is " false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. It is UNJUST ENRICHMENT and Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which NAVY FEDERAL CREDIT UNION NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information " late payments & charge offs '' on my consumer reports? I don't know maybe coercion, extortion, and wanting me to be quiet while I'm being violated and discriminated against these past 5 years but I'm not going to be silent anymore or be in fear of them. Also there violating my privacy rights under the GRAMM-LEACH -BLILEY ACT by furnishing, spreading, around for profit my NONPUBLIC PERSONAL INFORMATION to non affiliated third parties. I never gave them my lawful or legal consent to share my information. And how can NAVY FEDERAL CREDIT UNION say '' I owe '' this alleged debt and by them assuming this role to falsely believe they have the Power & Authority to close my accounts when FEDERAL LAW clearly states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAID BY THE UNITED STATES that's what that Federal Law is clearly stating so NAVY FEDERAL CREDIT UNION can not use the excuse " because the consumers lack of untimely payments '' as reason to of closed my accounts. I'm just trying to make it crystal clear that I have strong reason that under ECOA there is some Violations and Discrimination occurring. And there is no Law that states a '' a drop in a consumer 's credit score '' is a valid reason to deny or cancel a consumer 's extension of credit. So NAVY FEDERAL CREDIT UNION legally, or lawfully CAN NOT state that either. I'm asking the CFPB to draw on its authority to police unfair, deceptive and abusive practices to rein in lending discrimination against NAVY FEDERRAL CREDIT UNION against me. So again Navy Federal has yet to address a dispute for a billing error that was raised in XXXX. They were sent payable instruments for the balance at the time of both accounts. Multiple instruments for each account. To date, the payments have never been applied to my credit card accounts. They have yet to acknowledge that they have received it and refuse to send it back in the case that it was not accepted. A negotiable instrument is an acceptable form of payment as there is no money since the bankruptcy of this country. Navy Federal continues to state that I owe them money for so-called outstanding bills and repayment of the money they " gave '' or loaned me. However, banks are not allowed to make loans according to 12 USC 83. The disclosures for these transactions have security interest clauses within it. A security interest can not be given to a person if the obligor has not already fulfilled their obligation. I am requesting the original wet-ink signed contract that compels me to perform in regards to this contract. A contract requires 2 signatures in order for it to be deemed valid. I have asked repeatedly for this information and this company keeps sending me a bunch of statements. In the case that Navy Federal can not provide me with the signed contract that I am requesting, they need to stop asking for repayment. I am requesting the return of my ANY AND ALL MONIES, down payments, as a cash down payment is a violation of TILA pursuant to 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) Please see attachment for affidavit and notice of rescission due in 20 days. Because pertinent information was withheld and neither clear nor conspicuous I blindly entered a consumer credit transaction with NAVY FEDERAL CREDIT UNION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that NAVY FEDERAL CREDIT UNION claims I owe. NAVY FEDERAL CREDIT UNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. To add.. NAVY FEDERAL CREDIT UNION Has committed several violations under the FDCPA, TILA, FCRA, and many more which they've violated my rights as a consumer. This is not an attempt to collect a debt. 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692d - Harassment or abuse 15 U.S. Code 1692b. Acquisition of location information 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f. Unfair practices 15 U.S. Code 1692b. Acquisition of location information ( 4 ) not communicate by post card ( 5 ) no language or symbols on any envelope. NAVY FEDERAL CREDIT UNION LLC was reporting a completely false debt which was causing a denial of the loan. I am a single mother of 7 and I have been struggling for the past 6 almost 7 years to improve life for our family and give my children a stable home just. I knew the account was not mine so I wrote my first dispute to NAVY FEDERAL CREDIT UNION LLC As early as 6 years ago up to as recent as 15 days ago stating that Im an identity theft victim and as a result I wanted to see legal verification that this debt was approved or accepted by me. My first request was completely ignored years ago, I wrote another request and I even attempted to send the FTC REPORT. AND FOR THE POLICE REPORT Turns out you can not get a report if the incident occurred more than 12 months ago. But the FTC Website says either or.. Upon my most recent attempt 10 days later I received a letter from them stating that they found the account to be accurate. How is this possible, they had not provided legal proof or proof of identity? I re-stated several laws violated and to date they had still not provided proof per FCRA & FDCPA requirements in the event of identity theft, again stating that they were reporting accurate information and that they do not need to supply the requested information only that they have my name and address correct. How is this possible that someone can just say they have your name and address correct and you owe them a debt without no contract or legal proof whatsoever. How do they even know they have the right person??? Its very disheartening to know that even though IN XXXX WE TRUST!! We still have entities that solicit and have employees working for them that continually break the law.. this places the livelihood and well being of many at risk .. physically, mentally and emotionally. My children are being bullied in school because I cant afford to clothe them properly, I cant afford to cloth them properly because of the derogatory info NAVY FEDERAL HAS IMPOSED UP MY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT OR PERMISSION.. we are being looked upon as lower class every day simply because NAVY FEDERAL DISCRIMINATION AGAINST ME. ABSOLUTELY NOTHING ABOUT THEIR CONTACT WAS CLEAR MOR CONSPICUOUS.. I WAS NOT GIVEN THE OPTION TO OPT OUT AT ANY TIME I have a credit score of XXXX YET IM UNABLE TO OBTAIN OR USE MY CREDIT CARD ANYWHERE .. Im unable to GROW AT MY JOB AND GAIN A BETTER POSITION.. ONE I AM OVERQUALIFIED FOR MAY I ADD.. Simply because of NAVY FCUs horrendous practices to defame my character. The following account does not belong to me and is a result of fraud that I did not authorize : NAVY FCU- not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt. XXXX XXXX XXXX Again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), XXXX USC 6821 ( a ) ( XXXX XX/XX/XXXX To Whom It May Concern : My name is XXXX XXXX and this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. Be advised this is an identification theft notice I am requesting fraudulent accounts on my consumer report removed under Federal law and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports At this time I will also inform vou that if your offices have or continue to report invalidated information this includes XXXX, XXXX AND XXXX this action might constitute fraud under both federal and state laws. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n - Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, ( Which has long past.. most recent was 2 wks ago ) all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. Please be advised XXXX, XXXX AND XXXX. You need to remove all fraudulent inquiries from my consumer report. I've given the dates and the times of every inquiry that is on my consumer report. You shall remove the inquiries that are fraudulent on my consumer reports your credit reporting agency, and you shall do due diligence in the investigation of such fraudulent activities. The violations here I require compensation, for this has caused me grave harm purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX, XXXX AND XXXX is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. XXXX, XXXX AND XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX, XXXX AND XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. No reporting any information regarding said debts as related to the CRAS. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. XXXX, I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. To Whom It May Concern : In accordance with the fair credit act XXXX has violated my rights. The late payment reporting NAVY FCU. Account # XXXX XXXX XXXX - Charge Off Closed ( Along with the other aground listed below ) is inaccurate. I never made late payments. During covid a lot of peoples info was mixed up .It needs to be deleted.also has violated my rights. During XXXX the data breach has my info exposed. I filed FTC XXXX report. These inquiries need to be deleted. Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : | ||||||
| 07/28/2021 | Yes |
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| I am writing you today because of all my concerns about the documents we were required to sign during the closing of our VA IRRL ( Interest Rate Reduction Loan ) REFINANCING WITH NAVY FEDERAL CREDIT UNION ( NFCU ) on XX/XX/XXXX. Our original loan ( VA Loan # XXXX ) with NFCU was originated in XXXX with a VA 30-Year FIXED TERM mortgage at 3.75 % for the amount {$170000.00}. Through the years that we had our loan with NFCU, we never faltered in our monthly payments. Our monthly payment was automatically deducted from our bank account with NFCU. We decided to refinance our mortgage with our existing lender ( NFCU ) on XX/XX/XXXX to lower our monthly payments. We also plan to pay additional amount every month towards the principal in order to pay off the loan more quickly. It took NFCU to process our application for refinancing from XX/XX/XXXX, XXXX XXXX, XXXX from start to closing. On XX/XX/XXXX, an Agent from XXXX XXXX called to schedule the date and time for the closing of our refinancing. We agreed to schedule the closing on XX/XX/XXXX at XXXX pm be done inside the NFCU -XXXX XXXX XXXX. Even during the process of our application for this refinancing, I have repeatedly made clear to the loan closing need to have the closing done inside the bank and that documents need to be provided ahead of time so we could review the documents before going to the closing table. Agent said she will arrange the schedule with the bank and that she will let us know. Still with no advance copy of the closing documents I followed up on it. I was informed that the only document they can send in advance is just the Closing Disclosure ( Settlement Disclosure ) and that the other documents will only be provided to us only on the the closing date and time as scheduled. I called on XX/XX/XXXX to follow-up the status of our closing and the settlement agent informed us that we were scheduled to sign the closing documents at XXXX XXXX and that he will send the Notary Service to our house. I was then informed that NFCU-XXXX XXXX can not accommodate the closing process due to covid restrictions. That same day around XXXX XXXX, we received an email from the settlement agent containing the UNSECURED AND UNENCRYPTED 142-PAGE LOAN DISCLOSURES DOCUMENTS. I then called the Closing agent, XXXX, to reschedule the closing appointment because we did not have the chance to review them and that I repeatedly requested to have the documents sent to us ahead of time. Again, I was told that they can only provide those documents only on the closing date and that the only documents we can sign are the ones that are handcarried by the Notary Service. WE wanted to cancel the appointment but I was informed that if we cancel our appointment and because notary service is already on her way, we will be charged additional fees. Since we dont have any option, I then requested to move the closing time at XXXX XXXX on the same day, XX/XX/XXXX. We just entrusted that Navy Federal Credit Union will do the right thing for us. The Notary Service, XXXX XXXX, came in the house at around XXXX XXXX XX/XX/XXXX with all the documents not ready for signing. She was collating the documents while she required us to sign as she compiled the documents. We were rushed to sign the documents because according to her she has to mail the documents before XXXX closes for the end of the day and that she also has an appointment for a choir practice. She was rushing and we felt that we were under duress during the signing of documents. As soon as the documents were signed, she collectedthe signed documents and then left us the the other documents and head out the door. She did not agree to our request to have the documents sealed inside the envelope infront of us. I just FROZE looking at her going out the door with all our signed documents. Considering that we are just streamlining an existing mortgage loan with the same lender ( NFCU ), we trusted them that they will process our refinance application more quickly with honesty, integrity, less closing costs involved, and less complications. After the closing process, I read and compared it with the documents of our previous mortgage with them and Ive encountered lots of RED FLAGS that bothered me for the past few weeks. AND YES! IVE BEEN CALLING EVERYDAY BECAUSE THERE WERE NO SUPERVISORS NOT EVEN THE PROCESSOR TO RETURN MY CALLS TO CLARIFY MY CONCERNS, NOT EVEN NFCUs 24- REPRESENTATIVES I SPOKE WITH SINCE WE SIGNED THE DOCUMENTS CAN NOT ANSWER MY CONCERNS. REPS STATED THAT THEY WILL RELAY THE MESSAGE TO A SUPERVISOR OR ANYONE FROM THE PROCESSORS TEAM WHO WILL RETURN MY CALL. I just want to know if these are the standard procedures when securing a 30-YEAR FIXED VA IRRL MORTGAGE LOAN WITH THE SAME LENDER? And the documents that we were required to sign for closing were those prepared by NFCU ( the lender ) or Navy Federal Title Services ( NFTS ) or is it Champion Title Services ( their settlement agent ). RED FLAG 1 : On the NOTE ( Please Refer to ATTACHMENT 1 ), why are there 2 UNIFORMED STATEMENT DISCLOSURES with different terms added to the original verbiage that NFCU added//slithered. We did not apply for cash out nor 2nd mortgage nor reverse mortgage. We applied for VA IRRL Refinancing with NFCU AS THE HOLDER OF OUR PREVIOUS LOAN THAT WE ACQUIRED FROM NFCU IN XX/XX/XXXX-TO XX/XX/XXXX. RED FLAG 2 : On the OWNERS AFFIDAVIT ( Ref : ATTACHMENT # 2 ) from XXXX XXXX and Title Company. Notice on the title of the document OWNERS AFFIDAVIT Revised XX/XX/XXXX the File Number ( they used the Escrow account number ) and the property address shows on the form. Borrowers/Owners name ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) and Loan Number are not specified on the document as the Loan Identifiers instead processor or settlement agent used the Escrow Account Number of Current Loan # XXXX ) Again, we never applied for Home Equity Loan, 2nd Mortgage Loan nor Reverse Mortgage Loan. We requested to have the previous loan with NFCU refinanced for a 30 year fixed term VA IRRL. On the Owners Affidavit, we were not allowed to to make any remarks ( N/A ) on the block that is highlighted as you see below. There are open spaces with lines on paragraphs 23 and 24. On page 3 of this OWNERS AFFIDAVIT was an additional open space and the signature lines dont designate the names of borrowers/owners of property. We were NOT allowed to write the date of signing the form. To date, we have not receive the satisfaction of Mortgage from the old loan that NFTS settled on XX/XX/XXXX. RED FLAG 3 : On the TITLE AFFIDAVIT ( Ref : ATTACHMENT # 3 ), address of the property was not typed in and was left blank, incomplete information and the clause on # 13 was shady. RED FLAG 4 : On the UNIFORM RESIDENTAL APPLICATION FORM, source of xxxx Equity of the property/ and xxxxxx left unended/incomplete. ( REFER TO ATACHMENT # 4 ) RED FLAG 5 : On the CLOSING DISCLOSURE ( page 4 of 5 ) ( Ref : ATTACHMENT # 5 ), There were TWO CLOSING DISCLOSURES THAT WE WERE REQUIRED TO SIGN THAT ARE IDENTICAL BUT ONE HAS LOAN # XXXX AND OTHER HAS LOAN # XXXX, ( which I just noticed those numbers after the closing ), part of the disclosure read Lender may hold PARTIAL PAYMENTS IN A SEPARATE ACCOUNT UNTIL YOU PAY THE REST OF THE PAYMENT, AND THEN APPLY THE FULL PAYMENT TO THE LOAN. I also noticed on the bottom right corner the new loan account number with an added ( -1 ). Does this mean we have first and second mortgage with the same exact loan amount? Please, I need clarification on this too. We requested to have our Escrow account handled by us, the borrowers/owners, but NFCU stated that they dont allow us to handle our own Escrow Account. We have very good standing on our accounts with NFCU as a proof that we are responsible account and loan holders. Is this the standard rule of the NFTS ( Title Company ) or NFCU ( mortgage lender ) or is it the CHAMPION TITLE ( Settlement Agency )? Did NFCU sold the mortgage and the property to NFTS and affiliates? This is making me more nervous because some of their documents designates as as BUYER. BUYER???? RED FLAG 6 : On the same page 4 OF 5 of the CLOSING DISCLOSURE under ESCROW, note that the INITIAL ESCROW PAYMENT AMOUNT indicates {$2500.00}, from which this designates the sum total of {$2600.00} + {$800.00} ( less aggregate adjustment of {$960.00} ) under the sub heading DISCLOSURE, Closing Cost Details under Prepaids, {$1900.00} was added for the 12 months Homeowners Insurance Premium for XXXX. Granting that the effective date on the Hazard/Homeowners Insurance is XX/XX/XXXX, then why is it that the amount specified on Initial Escrow Amount is only for {$2500.00}. I INFORMED NFCU ABOUT THE ERROR ON THE HOMEOWNERS INSURANCE EFFECTIVE DATE THAT SHOULD HAVE BEEN XX/XX/XXXX AND NOT XX/XX/XXXX ( refer to ATTACHMENT # 6 ) AND THAT AAA HAVE NOT RECEIVED THE INSURANCE PAYMENT THAT SHOULD HAVE BEEN DISBURSED FROM THE LOAN AMOUNT NOT FROM PREVIOUS ESCROW OR CURRENT ACCOUNT. I was told by processor that they will correct the typographical error and pay the Homeowners Insurance after we close. On the CLOSING DISCLOSURES, HOME OWNERS INSURANCE ( XX/XX/XXXX ) WAS ADDED TO THE LOAN ( Refer to page 2 of 5 of CLOSING DISCLOSURES, Closing Cost Details Item ( G ) -Initial Escrow Payment at closing on ATTACHMENT # 5. Also refer to INITIAL ESCROW ACCOUNT DISCLOSURE STATEMENT, ATTACHMENT # 6 provided for your reference. Please note that to this date, XX/XX/XXXX, Home Owners Insurance payment was not yet received by XXXX Home Insurance. Amount of {$1900.00} was added to the closing cost for the full years payment of our Home Insurance. AND TO THIS DATE, NFCU HAVE NOT REFUNDED OUR ESCROW NOR THE ANNUAL ACCOUNTING OF ESCROW AS REQUIRED BY RESPA despite of repeated requests. RED FLAG 7 : On Attachment # 7, NFCU TAX AND INSURANCE INFORMATION SHEET, Processor or Settlement Agent indicated on LOAN PRODUCT TYPE : 30 Year VA ( Escrowed )??? Some documents specify LOAN PRODUCTS TYPE : IRRL. Any taxes due at closing will be paid by the PREVIOUS LENDER. NOTE THAT THE POLICY XXXX EFFECTIVE DATE SHOULD BE XX/XX/XXXX. The payment for this Insurance was already collected and was supposed to be paid after closing BY SETTLEMENT AGENT TO XXXX XXXX. Our previous Homeowners Insurance ( XXXX XXXX XXXX ) coverage for the old loan with NFCU ( XXXX ) was supposed to end on XX/XX/XXXX and was fully paid for the XX/XX/XXXX to XX/XX/XXXX. I called the loan processor and specified the wrong effective date of coverage for XXXX and I was told that that was just a typographical error. ON THE SAME FORM PLEASE NOTICE THE DISCLOSURE, ANY TAXES DUE AT CLOSING WILL BE PAID BY PREVIOUS LENDER??? FUNDS FOR TAXES WAS ADDED TO THE LOAN AND TAX FUNDS IS NOW HELD BY THE SETTLEMENT AGENT. FUNDS ARE IN THE POSSESSION OF XXXX XXXX XXXX ( SETTLEMENT AGENT ). Please REFER TO TAX AND INSURANCE INFORMATION SHEET ATTACHMENT # 7. AND what is this Escrowed Loan??? Again, we only applied for one Loan and that is the VA IRRL Loan # XXXX. RED FLAG 8 : On a separate form XXXX ( Ref : ATTACHMENT # 8 ), ESTIMATED TAX PAYMENT DISCLOSURE ( FROM XXXX XXXX XXXX, Settlement Agency that NFCU and Navy Federal Title Services are affiliated with ) RE : XXXX XXXX XXXX, XXXX XXXX FL XXXX N/A OUR FILE # : XXXX NOTICE THAT NAME OF BORROWERS/OWNERS ( XXXX XXXX XXXX and XXXX XXXX XXXX. ) AND LOAN NUMBER WERE NOT INCLUDED INSTEAD THEY TYPED N/A. XXXX XXXX XXXX also have disclosure on paragraph 2 of same document regarding tax bill collected on the HUD 1 SETTLEMENT STATEMENT. WHY IS THERE AN HUD SETTLEMENT STATEMENT? IS THIS REQUIRED FOR A VA IRRL LOAN? RED FLAG 9 : On the PAYOFF ACKNOWLEGEMENT AND AUTHORIZATION FORM ( Ref : ATTACHMENT # 9 ), File Number XXXX ( Escrow Number is specified as file number ) BUT NOT THE OLD Loan Account # XXXX nor Borrowers Names are not on the document, but our signatures were required and notary service stated we can not write the date nor make any marks. Then what Account and whose account are they paying off if the loan number and our names are not on the document. Those documents look like they were just normal payoff disclosures but reading on the disclosures after the process, NFCU OR NFTS and/or affiliates added or slithered somewhat questionable clauses that we did not recognize during the signing process. RED FLAG 10 : On Navy Federal Credit Union CASH DISBURSED VOUCHER FILE COPY ( Ref : ATTACHMENT # 10 ), PAID TO : was left blank ; ADDRESS : was left blank ; CHECK NO. ( blank ) NUMBER : XXXX date ; XX/XX/XXXX DESCRIPTION : SETTLEMENT PROCEEDS FOR : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX NFCU ACCOUNT # XXXX??? WE DONT HAVE ANY ACCOUNT W/ NFCU WITH THIS ACCOUNT NUMBER. What proceeds are they referring to? We did not receive any proceeds NOR the FULL left over escrow from the old account WAS NOT RECEIVED TODATE. RED FLAG 11 : On the BORROWER/BUYER AND SELLER ACKNOWLEDGEMENT, ACCEPTANCE AND CERTIFICATION OF SETTLEMENT DOCUMENTS Is this document required for us to sign for VA IRRL Refinancing? ( Ref : ATTACHMENT # 11 ). RED FLAG 12 : On the INDEMNITY & UNDERTAKING AGREEMENT ( GAP ) ( Refer to ATTACHMENT # 12 ), Navy Federal Title Services, LLC as the agent ; Title No. XXXX ( thats the Escrow Number ), Again, name our names as borrowers/owners of the Property Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX are not included on the first nor second page of this document. Instead, the third page where our signatures are required are on one separate page and not included with the body of the document. RED FLAG 13 : On the HOMESTEAD AFFIDAVIT ( Ref : ATTACHMENT # 13 ), item # 4 Affiant intend to maintain the Propertys homestead status until the completion of the closing of the current sale or refinance of the Property. We did not sell our house, we are just refinancing and should not to end the Homestead Tax Exemption. RED FLAG 14 : EMAIL SENT BY XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX, regarding LOAN # XXXX EXECUTED BUYER CLOSING DOCUMENTS AND ANOTHER ONE TITLED LOAN XXXX SECURE : EXECUTED REFI CLOSING DOCUMENTS. Whats the difference? Are there 2 loans associated under our name and property? When I called NFTS for clarification, I was given the run around Call the loan processor!! then I call loan processor but to no avail. Are these documents standard for aVA IRRL REFINANCING? Homestead Status on our property even after closing of the refinance. Why cant NFTS be specific that this loan is for VA IRRL and why did they mention on this form CURRENT SALE? There were no cash out involved with this refinancing. Is this form legitimate for a VA IRRL REFINANCING? We never doubted nor or had any second thought of signing the documents with NFCU not until I read the articles on the Consumer Protection Booklet after the closing documents were submitted. It made me more aware and paid attention to the details of the contract. How can we protect our records from being used by any unscrupulous loan applicant using our information that Champion Title and Navy Federal Credit Union and their so called affiliates that they already have on hand and on file, as well as the documents/signed sheets that were deliberately separated from the main body of the loan documents such as Rider VA Guaranteed Loan and Assumption Policy with Guaranty, one Loan Mortgage Loan CONDITIONAL APPROVAL and one Mortgage Loan UNCONDITIONAL APPROVAL, Lien Affidavit, Compliance Affidavit, Mortgage Loan Price Commitment Agreement and its addendum, Note ( signature block was separated from the body of document ), FINAL ALTA Settlement Disclosure, Closing Disclosure, Homestead Affidavit, Affidavit of Identity, Mortgage or Fixed Equity Loan Easy Pay Authorization, Consent to the Use of Tax Information form, Borrowers Affidavit, Borrower/Buyer and Seller Acknowledgement, Acceptance, And Certification of Settlement Documents, Proceed Disbursement Sheet, Title Affidavit, Owners Residential Survey Affidavit, Owners Affidavit, Indemnity & Undertaking Agreement ( GAP ), another INDEMNITY AGREEMENT??, Loan Forbearance Affidavit, Florida Insurance Premium Disclosure & Settlement Agent Certification ( in which their Settlement Agent, XXXX XXXX XXXX XXXX XXXX have separated is signatory block from the body of the document, they dont have their address nor phone number on the form itself ), Estimated Tax Payment Disclosures, Payoff Acknowledgement and Authorization, Errors and Ommissions Agreement, Uniform Residential Loan Application, HUD/VA ADDENDUM TO UNIFORM RESIDENTIAL LOAN APPLICATION, IVES Request for Transcript of Tax Return, Marital Affidavit, MORTGAGE, NOTE, are just to name a few of those documents we were required to sign. PLEASE BE AWARE THAT ALL THESE CLOSING DOCUMENTS AND DISCLOSURES WERE E-MAILED TO US UNSECURED AND UNENCRYPTED AT 1321 HRS OF THE CLOSING DATE, XXXX, ONLY A FEW HOURS BEFORE THE ARRIVAL OF THE NOTARY SERVICE PERSON SCHEDULED AT XXXX HOURS. WE REQUESTED THESE CLOSING DOCUMENTS AND DISCLOSURES THREE WEEKS BEFORE XX/XX/XXXX, AND AGAIN SENT A FOLLOW-UP REQUEST A WEEK BEFORE THAT DATE. ARE ALL THOSE DOCUMENTS REQUIRED FOR A VA IRRL 30 YEAR FIXED LOAN? ALL OUR PRIVATE INFORMATION ARE MISHANDLED, COMPROMISED, UNSECURE AND NOW BEING DISTRIBUTED TO THEIR MARKETING PARTNERS ( PER PRIVACY NFCU/NFTS STATEMENT ) WE ARE VERY WORRIED THAT THOSE DOCUMENTS WILL BE FRAUDULENTLY USED BY THE HANDLERS OF THE DOCUMENTS FOR WHAT EVER PURPOSE THEY WILL NEED AT ANYTIME OR ANYWHERE. OUR PROPERTY AND OUR PERSONAL IDENTITIES ARE AT STAKE!!! WE ARE JUST PRAYING THAT THESE DOCUMENTS ARE IN GOOD HANDS. CAN WE REQUEST THE DOCUMENTS BE NULLED AND VOIDED AS SOON AS POSSIBLE SINCE NFCU/NFTS HAS ALREADY CLOSED ON THE ACCOUNT # XXXX. PLEASE HELP US!!! THESE ARE JUST FEW OF THE RED FLAGS WERE SENDING YOU FOR YOUR INFORMATION. THERE ARE MORE ON OUR LIST TO COME. REQUEST TO INVESTIGATE AND VERIFY NFCU and NFTS and/or affiliates, ACCOUNT NUMBERS VERSUS VA CASE NUMBERS, ESCROW ACCOUNT NUMBER ( AKA AS THEIR FILE NUMBER ) THAT NFCU/NFTS OR CHAMPION TITLE ARE DELIBERATELY MIXING UP ALL THESE NUMBERS FOR WHATEVER PURPOSE THESE MIGHT SERVE NFCU OR NFTS AND THEIR AFFILIATES. ALSO, WE WOULD LIKE TO REQUEST THE REST OF THE COPIES OF THE OFFICIAL CLOSING DOCUMENTS THAT WERE NOT INCLUDED ON THE 106-PAGE EXECUTED FILE DOCUMENTS THAT NFCU SENT US VIA SECURED EMAIL AFTER THE CLOSING. WE ORIGINALLY RECEIVED VIA E-MAIL, UNSECURED/UNENCRYPTED 142 PAGES OF DOCUMENTS FROM THE SETTLEMENT AGENCY, XXXX XXXX XXXX ON CLOSING DAY. We also request them to provide us with the accounting of escrow funds from our previous loan as required by RESPA. If there are any documents or any other information related to this case/complain you might need concerning this, please let us know. THANK YOU FOR YOUR IMMEDIATE ATTENTION TO THIS MATTER. WE APPRECIATE YOUR TIME AND HELP. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX ATTACHMENTS 1- 14 : 1. NOTE ( NOTICE : This loan is not assumable without the approval of the VA ), pgs 1-4 2. OWNERS AFFIDAVIT, pgs 5-6 3. TITLE AFFIDAVIT, pgs 7-8 4. UNIFORM RESIDENTAL APPLICATION FORM, pgs 9-11 5. CLOSING DISCLOSURE, pgs 12-14 6. INITIAL ESCROW ACCOUNT DISCLOSURE STATEMENT, pg 15 7. NFCU TAX AND INSURANCE INFORMATION SHEET, pg 16 8. ESTIMATED TAX PAYMENT DISCLOSURE, pg 17 9. PAYOFF ACKNOWLEGEMENT AND AUTHORIZATION FORM, pgs 18-19 10. NFCU CASH DISBURSED VOUCHER, PGS 20-22 11. BORROWER/BUYER AND SELLER ACKNOWLEDGEMENT, ACCEPTANCE, pg 23 12. INDEMNITY & UNDERTAKING AGREEMENT ( GAP ), pgs 24-26 13. HOMESTEAD AFFIDAVIT, pg 27 14. EMAIL SENT BY XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX, regarding LOAN # XXXX EXECUTED BUYER CLOSING DOCUMENTS | ||||||
| 03/28/2023 | Yes |
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| NFCU Stealing Private Property I was conducting business with NFCU how does an nonaffiliated third party come into this Consumer Credit Transaction without my authorized consent. * Violation of Consumer Law Rights * Violations on Consumer causing Civil & Criminal damages/Liabilities * Consumer-Goods Transactions * Consumer Credit Transactions * Violations of my God Given Rights * Guilty by association ( Nonaffiliated third party invited by NFCU to Steal my Privately Owned Property ) * Invading Peace & Dignity * Shared information improperly * Alleged debt * Coerced debt * Fictitious Debt * Give Thanks to NFCU continuously displaying the Fraudulent by Nature activity that I documented, Proving my Cases & Statements to stand true. * Fraudulent misrepresentation * No Respect for the Consumer * No Respect for Law * No lawful consideration * No signature from NFCU (Wet ink) or at all * No verifiable Risk by NFCU * Displaying willful noncompliance on all Spectrums. * Ultra vires * Conducting outside of lawful mandate * Privacy breach * Giving information to nonaffiliated third party non authorized * Private Property stolen & robbed on another persons property * Robbery of my Privately Owned Property on someone elses property * 18 U.S. Code 1961 - Definitions (1) racketeering activity means (A) any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, extortion, dealing in obscene matter. Section 1951 (relating to interference with commerce, robbery, or extortion), Section 1341 (relating to mail fraud), Section 1344 (relating to financial institution fraud), section 1503 (relating to obstruction of justice), section 1510 (relating to obstruction of criminal investigations) * 9-625. REMEDIES FOR SECURED PARTYS FAILURE TO COMPLY WITH ARTICLE. (a) [Judicial orders concerning noncompliance.] If it is established that a secured party is not proceeding in accordance with this article, a court may order or restrain collection, enforcement, or disposition of collateral on appropriate terms and conditions. * UCC Filling Secured Party Creditor * UCC Filling on Collateral * NFCU is the Debtor * NFCU is the trustee, I AM The Beneficiary. * Repossession doesnt exist , Hypothecation does. * 15 U.S. Code 1692f (1) - Unfair practices * Full accounting was asked for but of course never received. Lets see where the source of this Consumer-Goods Transactions Stem from since NFCU claims to be the source of credit, they false claim provided I, The Original Creditor with. Well thats a fraudulent lie, Banks cant loan there own stocks pursuant to 12 U.S. Code 83 - Loans by bank on its own stock * Sarbanes-Oxley Act SOX - Protection from corporate accounting fraud by improving financial reporting & auditing standards. Doesnt quite seem to exist in this Consumer Credit Transaction. * TILA- Truth in Lending Act, In addition to providing a uniform system for disclosures, the act: Protects consumers against inaccurate and unfair credit billing and credit card practices & Provides Consumers with Rescission Rights. * Private Property Stolen XXXX. * Private Property Stolen after 14days of CEASE & DESIST NOTICE. * Retaliation tactics , Intimidation tactics being displayed * I have not received my Right to rescission from NFCU nor was told I have that right in initial communications (1st ever communications) with NFCU. * NFCU hasnt informed me of any of my Rights I can execute at any time, once aware or alive to. * In reality my signature manifests the currency & applications submitted to retrieve my credit that majority of people get adverse action against including I or simply discrimination pursuant to 18 U.S. Code 242 - Deprivation of rights under color of law, not allowing people of the land to receive there own line of credit thats available but only shows in the private side of business that 99% doesnt have access to. Held in a Private Trust Account established by the U.S called multiplie names but one is Mutual Credit Exemption Exchange. * Failed every duration to prove or provide validation of debt pursuant to 15 U.S. Code 1692g. * Sending promissory note & billing statements that Ive already marked up & sited with violations aside with written explanations for your information to Grasp the knowledge somewhat, making it easier for reader to innerstand. * NFCU sent back all my violations with a note on it that states FAKE , violations consisted of all Billing statements I received, mail & promissory note. * NFCU has neglected the Civil & Criminal liabilities, damages I have charged them for. * Notice of Criminal & Civil damages/Liabilities delivered XXXX XXXX XXXX. * Identify Theft; assuming many vital roles in assembling and evaluating consumer credit and other information on consumers. * Identity theft false claiming to be the Original Creditor , Beneficiary * I have not given consent to my identity being used against I, to withhold my rights against I, The Consumer & More. * I did not give NFCU consent to Assume my Roles as Original Creditor, Beneficiary etc * 12 CFR 1026.23 - Right of rescission & 15 U.S. Code 1635 Right of rescission ; Security interest was canceled XXXX XXXX, demand for compensation returning all funds spent towards payments/Bills & also Refund of Amount Financed which was XXXX in Consumer-Goods Transactions/ Consumer Credit Transaction. * Cash to applicant was/is XXXX = Amount Financed XXXX * My Car is Private Property of I, The Consumer, that was not default or defaulted * There has no longer been a contract with NFCU & I pertaining to Auto loan since October 31, 2022 as I rescinded with Notice. * My Private Property is not an collateral in any contract. * My Private Property is not in contract with NFCU or other commercial business. * 15 U.S.C 1692e - False or misleading representation * 31 U.S.C 3729 - False claims * 15 U.S.C 1692f - Unfair practices * 18 U.S. Code 241- Conspiracy against Rights * UCC 9-609 - Secured party right to take possession after default. NFCU Not Secured party but executing as if is. * UCC 9-610- Disposition of collateral after default. There is no collateral & the Private Property is owned by Consumer not defaulted. * 9-610. DISPOSITION OF COLLATERAL AFTER DEFAULT (b) [Commercially reasonable disposition.] ; Private Property is not commercially owned, Privately Owned Private Property. * UCC 9-611 Notices of disposition; No reasonable authenticated notifications before or after disposition . * A default is a failure to fulfill an obligation. What obligation was there for me to fulfill in a canceled contract, none. * Payment NFCU is asking for is obligations of the U.S pursuant to 18 U.S. Code 8 - Obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value. * I refuse to pay in FRNs that are optional, I have the right to reserve or not use any of my FRNS as payment * There is no default in this Consumer Credit Transaction or Consumer-Goods Transactions. * No such thing as defaulting in a rescinded contract. * 33 U.S. Code 931 - Penalty for misrepresentation * 15 U.S. Code 1692k , 15 U.S. Code 1640 - Civil liabilities * 15 U.S. Code 1611 - Criminal Liability for willful and knowing violation & 15 U.S. Code 1693n- Criminal liability * Criminal Charges * My Private Property is not an Commercial Vehicle ; Privately Owned Property unencumbered * NFCU has willful noncompliance towards My Exercising of Consumer Rights with Consumer Laws & UCCs. * I Am the Secured Party Creditor; NFCU Is not the secured party creditor, False representation claiming my position. * NFCU did not disclosure to I, the Consumer, who NFCU were giving my personal information to, nonaffiliated third party . * NFCU has not given me any written explanation of no disclosure rights. * NFCU did not give I, the Consumer an opportunity to not have personal information not disclosed. * Nonaffiliated third party came onto someone elses Private property to Steal my Private Property. * NFCU has failed to give me any written notices for anything pertaining to the Stolen Private Property of my Car or nonaffiliated third party. * After alerting NFCU that I am aware of the Stolen Private Property on XXXX XXXX , 3 days later on XXXX I was delivered the promissory note & the Billing statements for This Year of XXXX. Not anything more or less same old papers thats automated with the same old verbiage. * NFCU constantly coercing I for payments although I have proved them unlawful & not properly responding in a lawful manner to demands or to whatever needs lawful consideration & attention in a prompt manner. * NFCU has failed to respect disclosure of Personal information, Giving it to an nonaffiliated third party. * 9-610. DISPOSITION OF COLLATERAL AFTER DEFAULT (b) [Commercially reasonable disposition.] ; Private Property is not commercially owned, Privately Owned Private Property. * NFCU has failed to give me lawful proper documentation, disclosures of the giving of my information to a nonaffiliated third party; I did not consent to. * NFCU has failed to give any lawful disclosures/Notices pertaining to the Stealing of my Private Property. * NFCU has given my personal information to an nonaffiliated 3rd party I didnt consent to or know. * NFCU has given my personal information to an nonaffiliated 3rd party I was never in contract or communications with or never even seen. * I havent seen or meet the nonaffiliated third party (Not that I want to meet them) , towing company or persons who came to address & stole my Private Property on behalf of NFCU orders. * I was not alerted by nonaffiliated 3rd party, repossession company or persons who came to the address to steal the private property off someone elses property thats not mines. * NFCU & nonaffiliated third party working together towards the stealing my Private Property on someone elses private property is conspiracy against Consumer Rights pursuant to 18 U.S. Code 241 - Conspiracy against rights. * Documentations Ive sent to State of Florida declaring Right to Travel Unencumbered, in my Affidavit of Truth & Affidavits that wasnt rebuttal Ive asked specific questions pertaining to how is my Private Property commercially owned. No Rebuttals or any requests & demands I had came back to light. No replies at all. * NFCU has received many Affidavits of Truth & Affidavits , that they failed to rebuttal. * Unrebutted Affidavits Stands As Truth. * NFCU tactfully retaliated because I put NFCU on Cease & Desist date of XXXX XXXX 14days after CEASE & DESIST they stole Private Property they dont have any rights * NFCU conspired to take my Private Property on many occasions , whats experience from Gang Stalking & other forms of intimidation , oppression & Harassment. * I was Homeless & happen to be at a family house. How did NFCU know my precise location to take & move in on the Private Property inside a GATED Community that has been parked there since XXXX XXXX XXXX; parked till NFCU Stole it XXXX * 4 days of somehow knowing my Car is Parked @ an family house means someone was watching or car was being tracked as there are tracking devices on these upgraded car models nowadays or specific cars owned by a specific persons. (GPS Tracking devices etc) * Tomorrow XXXX I will be picking up all my Private items inside of my Private Property * Picking up my own Private items inside my Private Property after it has been stolen from I is costing me XXXX. * Under constructive fraud its considered lawful & not Extortion. * Whole Consumer-Goods Transactions/ Consumer Credit Transaction found & deemed unlawful with no lawful Consideration violation many Consumer Law Rights. * NFCU has been informed of their Criminal, Civil Liabilities & Damages. * All my demands & Requests has not been fulfilled yet CFPB is allowing NFCU & all other complaints pertaining to NFCU issues to be closed without truly or actually being Resolved with Remedies Given to the Damaged party, I the Consumer of this Consumer Credit Transaction/ Consumer Credit Transaction that has been unlawful. * CFPB Not making sure companies actually resolve issues without closing the case as if it is resolved. * Since XXXX complaints have been sent on NFCU * Cases being closed with No resolution & Remedies being satisfied or the issue addressed not being solved In Consumer Favor in a lawful manner to compensate for damages or Civil & Criminal liabilities. * "Actual damages include damages for personal humiliation, embarrassment, mental anguish and emotional distress...It includes all highly unpleasant mental reactions such as fright or grief, shame, humiliation, embarrassment, anger, chagrin, disappointment, Worry and nausea." XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Other categories include loss of credit opportunity. XXXX XXXX XXXX XXXX XXXX, 617 F.3d 688, 719-20 (3d Cir. 2010). Plaintiffs can recover damages for credit defamation. XXXX XXXX XXXX XXXX, 257 F.3d 409, 418-19 (4th Cir. 2001). Economic or financial loss is also recoverable. XXXX XXXX XXXX XXXX, 45 F. 3d 1329, 1333 (9th Cir. 1995). * Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX XXXX, 486 F. 3d 150 (6th Cir. 2007), the court upheld a jury award of $400,000 for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In XXXX XXXX XXXX XXXX XXXX, 795 F. Supp.2d 1255 (N.D. Ala. 2011) the court upheld awards of $100,000 in compensatory damages and XXXX in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX XXXX XXXX XXXX XXXX, 510 F.3d 495 (4th Cir. 2007) the Fourth Circuit approved an award of emotional distress damages of XXXX for credit reporting. Bottom half is some description based on a conversation via phone with XXXX From Repossession Department XXXX XXXX from Repossession Department XXXX did not want to give employee # * I told XXXX I didnt receive any notice of disposition he insisted I did and was so sure to claim I did. * I further insisted how is he going to tell me that without knowing its a fact, he shall not make False claims. * As well as claiming it was lawful for what NFCU did to my Private Vehicle just because it claims I am late for payment. Calling it an repossession but in reality my Private Property was stolen on someone elses property. * Employee further goes afterwards Well you do have NFCU on cease & Desist after I firmly told him again I did not receive anything pertaining to my stolen vehicle. * How was XXXX so sure I received Notices then quickly changes to the fact that my CEASE & DESIST was the reason I wasnt notified. * Further shows all documentation being sent out since XXXX XXXX XXXX like Right to rescind etc has always been neglected , not investigated throughly completely & didnt get proper acknowledgment for exactly what it stands for. If it did NFCU wouldnt continuously be coercing me for payment of any thing or better yet not Steal my Private property & deem it as lawful. Not being the secured party creditor or owner of the Private Vehicle, I removing there security interest NFCU has no claims on my Private Property at all since XXXX XXXX. * What gave NFCU the right to neglect my CEASE & DESIST, ignoring the redemption/Remedies on the bottom of document but abiding by my requests only to not communicate with I the Consumer unless your updating me about the remedies I demand & all I requested is completed. * NFCU has made an excuse to not communicate with me for my remedies but insist take things in there own Criminal unlawful manner & Steal my Private property as retaliation of ALL Disputes, Last Dispute is Cease & Desist with Remedies I am seeking if I am to be contact. * I did not state to NFCU to completely not contact me without leaving an exclusion for reasons to call or update I. * The cease & Desist said to not contact me anymore unless they have my remedies. Not to make excuses of why I didnt get Lawful Notifications. * The fact that the employee is aware of my CEASE & DESIST, trying to use that as an excuse to why I didnt receive notification after false claiming I did is fraudulent. * Im aware of how NFCU is making I the consumer call an non-affiliated third party they worked with to steal my private property to asking for the location of it, instead of NFCU who ordered the Stealing of my private property telling me exactly where my car is. * NFCU protecting repossession department that they are affiliated with before the Rights & Laws of the Consumers, I. * Gave NFCU a chance to resolve matters & NFCU took it upon there own faith to Oppress, harass Continuously commit Criminal & Civil damages + Liabilities. * Told NFCU specifically unless it is to resolve the matters how l insisted or updating the status of the updated Accounts as for the specific Remedy's I am seeking and demanded tor Civil violations & unlawful Consumer Credit Transactions. * There was no excuses for NFCU to STEAL my Private Property & it is unlawful by all means. * Instead of Giving my Remedies demanded & Respecting my space, NFCU stole my Private Property after they can no longer oppress & Harass me on the phone for false misrepresentation of amounts pursuant to 15 U.S. Code 1692e(2)(A) CEASE & DESIST DELIVERED XXXX CEASE & DESIST STATED AT THE END ; Thereby grant your company the opportunity to amicably resolve the matter by way of doing the following: 1. Deletion from all consumer reports (Derogatory Accounts, Unauthorized, All pulls soft or hard pulls, Negative Accounts) 2. Clear away any alleged balance owed 3. Refund all the payments that was made on this account 4. Zero out the balance on this account CEASE & DESIST STATED AT THE END; I HEREBY DEMAND THAT YOU CEASE AND DESIST, ALL mediums of communication, unless it is to Resolve the matter how l insisted or updating the status of the updated Accounts as for the specific Remedy's I am seeking and demanded tor Civil violations & unlawful Consumer Credit Transactions. In Good Faith. ALL Rights Reserved | ||||||
| 09/28/2021 | Yes |
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| Dear Sir or Madam, *1. NAVY FCU Account Number : XXXXXXXXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with NAVY FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Sir or Madam, XXXX. XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Sir or Madam, XXXX. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth:XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX , Iowa XXXX | ||||||
| 03/12/2023 | Yes |
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| The nature of this Consumer Credit Transaction pursuant to 15 U.S. Code S 1692 - Congressional findings and declaration of purpose ( a ) ABUSIVE PRACTICES There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Pursuant to 18 U.S. Code 1014 - Loan and credit applications generally ; NFCU is in violation for knowingly making any false statement or report, or willfully overvalues any land, property or security. Form of Identity theft exists in these Consumer Credit Transactions with NFCU false claiming & assuming vital roles as the Creditor, administrator, lender, beneficiary. I am the beneficiary which doesnt not pay debt, trustee pay debt which is NFCU . NFCU is my trustee thats obligated to the Beneficiary, I. I am suppose to be able to trust NFCU with overlooking accounts. NFCU has failed to lawfully conduct business properly, not throughly investigating the nature of ALL Disputes & Documents but fraudulently coming after I for bills I am not obligated to pay for nor possible to pay with no Gold or Silver substance pursuant to 18 U.S. Code 8 - Obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money. Coming up with many ways to coerce me for payment of a bill. I have accepted many coupons for value & returned to sender extinguished somehow I was told they are not accepting that form of payment yet pursuant to UCC 3-603 TENDER OF PAYMENT, UCC 3-104 NEGOTIABLE INSTRUMENT, UCC 3-110 IDENTIFICATION OF PERSON TO WHOM INSTRUMENT IS PAYABLE it is illegal for them not to accept that form of payment, which the form of payment is acceptable. Paying with FEDERAL RESERVE NOTES are optional. Garnishment has been going on with NFCU pulling funds out of my bank account throughout the whole process of being in dispute since XX/XX/XXXX. Reporting account as delinquent while in dispute & collecting payment while in dispute is a violation of there own agreement terms that they wish to keep me bind to although I canceled the security interest. NFCU will not bind me to there contracts as I am the only one with wet ink signature & verifiable risk. I have the Right to release myself from any contracts I put myself in. NFCU is liable for not giving me full disclosure in the initial communications of the Consumer Credit Transaction. 15 U.S. Code 1635 - Right of rescission as to certain transactions which NFCU neglected I Right I expressed. As a Consumer that shall automatically cancel the security interest on collateral & return money back to I, pursuant to 15 U.S. Code 1635 - ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, ( D ) RETURN OF MONEY OR PROPERTY ; not being liable for any finance or other charge. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. NFCU has neglected my right to rescission since XX/XX/XXXX I have been waiting for my returned Down payment of promissory note & all funds spent. Civil and criminal liability for willful noncompliance to keep me obligated to terms thats not binding & not releasing funds thats due to I, the Consumer. NFCU has been using many deceptive forms to coerce payment from me for fictitious alleged debt without any valid validation there is an actual debt. Without sending proper validation of debt, sending me a billing statement with privacy violations & transactions experiences all over it isnt debt validation. Pursuant to 15 U.S. Code 1692g - Validation of debts ( 3 ) & ( 4 ), I have not received any of those statements. The contracts in whole & part are null and void with NFCU conducting In business outside of its lawful mandate ( XXXX XXXX ) & not giving Full Disclosure. If banks are not suppose to loan money ( Own Stock ) pursuant to 12 USC 83 whos credit is NFCU loaning then? Pursuant to 12 U.S Code 83 the fact that NFCU takes ownership claiming to loan me money is an violation. 12 U.S. Code 83 - Loans by bank on its own stock - a ) General prohibition No national bank shall make any loan or discount on the security of the shares of its own capital stock b ) Exclusion For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. Loaning the credit of the people since 1933 in form of promissory notes, there is no real money in circulation. As you can see Banks is leasing the credit of the people of United States back to them with unlawful fees & charges. The greed to triple dip on someones credit & not repay them or compensate them is truly fraudulent. True Full Accounting of where the funds are being pulled from has not been provided & im sure wont ever be provided as Ive ask for the full accounting of this Consumer Credit Transaction. True Full Accounting would show exactly where the credit or money stems from. It is my Credit I am being leased back plus interest, late fees which shouldnt exist pursuant to 15 U.S. Code 1666b - Timing of payments. Full faith & Credit of the United States is backed by the people. Minimum payments and all other charges are violations in the process of the Consumer Credit Transaction, false representations of dollar amounts owed or due pursuant to 15 U.S. Code 1692e - False or misleading representations ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt. Pursuant to 15 U.S. Code 1605 - Determination of finance charge, Finance charge shall be the only charge in this Consumer Credit Transaction as its suppose to represent the sum of all charges. UCC 1026.4 Finance charge ( a ) Definition - The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. Which a auto loan demonstrates a comparable cash transaction having to put a down payment to walk off the lot with the car that my promissory note paid for in full. Cash to applicant is/was $ XXXX with amount financed $ XXXX. I going into the dealer with a check for {$20000.00}, the down payment I made to leave the lot with the car. The dealer ship deposits the money for themselves to get paid as well as NFCU the alleged creditor releasing the funds I endorsed/applied for creating the promissory note. My promissory note for the Auto Loan paid NFCU & Off Lease car dealership, while they benefit from my endorsed check Im the one left with the bill, not benefiting from my own endorsement or own Consumer Credit Transaction. Finance charge is the sum of all charges including fees, interest any/all other charges therefor in an lawful Consumer Credit Transaction 1 charge should of been it. False/inaccurate information from NFCU is given to me every interaction with deceptive forms pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms. NFCU Displaying unfair practices pursuant to 15 U.S. Code 1692f - Unfair practices -A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Continuously oppressing, harassing & Neglecting I and my demands affecting my credit worthiness, general reputation & mode of living. Pursuant to 15 U.S. Code 1692d - Harassment or abuse ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Constantly telling me I am obligated under NFCU terms and my Accounts are late/due for payments ) ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I decided to finally put NFCU on a Cease & Desist notice pursuant to 15 U.S. Code 1692c these are the only acceptions NFCU may reach out to me now 15 U.S Code 1692c - Communication in connection with debt collection ( C ) Cease communication, expect 1. to advise the consumer that the debt collector 's further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. There should be no other reason NFCU contacts I furthermore for any bills or payment on any of my Accounts. NFCU doing adverse action on my credit card due to disputes, closing my credit card without my acknowledgement within the 1st two months beginning disputes. Cease & Desist was delivered XX/XX/XXXX. Since XX/XX/XXXX I have been getting non stop calls from NFCU trying to collect a debt while being in dispute the whole duration so there should of been a point where Im not being harassed & oppressed for payment which didnt happen, every other day I was called & left a voicemail. Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection, this has been a violation since Oct 2022 taking place with many others. 15 USC 1692c - ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. NFCU has failed to give proper validation of debt pursuant to 15 U.S. Code 1692g - Validation of debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, send the consumer a written notice containing- ( 1 ) the amount of the debt which NFCU & ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; & ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt & ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NFCU has failed to give me Full Disclosure of the proper procedures theyre suppose to go about so I may be informed completely how to go about clarifying the validation of the debt or anything else related to Consumer Credit Transaction Im suppose to know in initial communication with NFCU . Taking advantage of 15 USC1692g Validation of debts not giving full disclosure, I was obviously not aware of being able to dispute the validity of debt from the beginning the 1st initial communication between I & NFCU. Paying for things thats already paid for because Ive never dispute validity of debt & continuously making monthly payments in good faith further proving the debt was in fact valid. Giving NFCU room to assume the debt was valid but once I start disputing & exercising my Consumer rights nothing changes with NFCU, they insist on neglecting Consumer rights. NFCU is in violations of criminal & civil liability pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, Civil liability pursuant to 15 U.S Code 1692k, 15 U.S. Code 1611 - Criminal liability for willful and knowing violation & 15 U.S. Code 1640 - Civil liability. NFCU has been informed of all of there ill will with documents sent marked with all the violations that pinpoints exactly how it is a violation, as well on written Exhibits A & B. It has been neglected and sent back to me with a note sticker that says FAKE, how disrespectful. NFCU couldnt rebuttal or properly respond to any of my Documents in a timely manner. Unrebutted Affidavits stands as truth & its past NFCU deadline to lawfully pinpoint any issues on the Affidavits they may believe is not true. NFCU should be ashamed for how unprofessional and unethical they are in nature. Form of payment with amounts for violation was given, clearly to satisfy the damages they cost upon I, the Consumer civil & criminal liabilities. I have tried all I can in good faith to settle & satisfy my Accounts in a lawful manner while being neglected. All demands/requests made to NFCU as the beneficiary, Consumer has been neglected. NFCU has not taking any lawful consideration in conducting healthy business. Working closely together with CRAs they collaborated with damaging my credit worthiness, general reputation & mode of living. Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. About 6 months in dispute with NFCU they have failed to properly update my accounts communicating it with CRAs so all is aware, failed to communicate with I in an lawful manner about notices like my account being closed the first month in dispute with NFCU, failed to respect any of my rights as the Consumer, neglected all forms of Documents received not complying to any demands/requests. Its clear NFCU is in violation of many of my rights in this Consumer Credit Transaction as an consumer. Last Violations 15 U.S. Code 1691 - Scope of prohibition ( a ) AcTIVITIES CONSTITUTING DISCRIMINATIONIt shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- 1. on the basis of race, color, religion, national origin, sex or marital status, or age & 15 U.S. Code 6803 - Disclosure of institution privacy policy a financial institution shall provide a clear and conspicuous disclosure to such consumer. Note : Just because no more violations arent listed doesnt mean there isnt any more done in These consumer credit transactions, as stated in 15 USC 1692 There is ABUNDANT EVIDENCE of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Ive completed UCC filing, filed on XX/XX/XXXX for the collateral of Auto Loan with NFCU being the debtors and I Am the Secured Party Creditor. In Good Faith. All Rights Reserved without Prejudice. | ||||||
| 11/02/2022 | Yes |
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Web | Servicemember |
| My husband XXXX XXXX and I began the process of refinancing our construction loan into a mortgage in XXXX of XXXX We chose to use Navy Federal Credit Union (NFCU) because we knew that we could lock in a rate for 90, 120, or 180 days. As our construction loan did not expire until XXXX XXXX XXXX, we knew we would be able to (and we wanted to) choose a rate lock-in expiration that would put us after our construction loan terminates. When we first called NFCU in late XXXX of this year, we worked with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and explained what we wanted to do. There were various phone calls/emails between us regarding what information was needed. On XXXX XXXX I emailed to ask XXXX to explain some of the paperwork we were being asked to sign and review because it did not make sense, specifically the cash to close. She never responded to that request. She did call us (I believe this was on XXXX XXXX) to "go over our file" per her email, but this call was mostly to let us know that we were going to be working with XXXX XXXX XXXX XXXX XXXX XXXX and that she would be sending us information to fill out/upload. I asked if I would be able to speak with XXXX prior to doing this as I was confused with the process and still felt unsure that NFCU knew exactly what we wanted to do in terms of our rate lock. On XXXX XXXX my husband and I received an email asking us to upload additional documents for XXXX XXXX. I emailed XXXX that same morning asking if we could speak over the phone because. Per my email, I specifically stated that, "I feel like what we initially said we wanted with this loan is not happening. We keep getting told that locking in our rate happens later on in the process, but this is all very confusing. I would like some clarification." We did speak later that day. At this point, my husband I and still were no aware that our rate lock had started on XXXX XXXX And in the multiple times that I asked, I was told that it would happen later in the process. We continued to work with XXXX, mostly in regards to uploading documents that were requested in XXXX XXXX and setting things up for the appraiser to come out. On XXXX XXXX XXXX XXXX XXXX XXXX emailed my husband and I that our lock in rate for the interest was set to expire on XXXX XXXX (3 days after we received this email). I emailed her within the hour very confused because we were never asked to fill out any documents or choose our preference for our rate lock. We had been clear that we wanted it to be after our home construction loan terminates, but somebody else made that decision for us, and chose a rate lock term that ended on XXXX XXXX without our knowledge or permission. On XXXX XXXX XXXX XXXX XXXX central time, I received a call from XXXX stating that our rate lock was extended because there was an error on their end regarding the way something was input. I questioned her about this extension because I did not want any issues to come up before we closed on the re-finance. She let me know that there would be no issues. We thought everything was resolved until I received an email on XXXX XXXX XXXX XXXX XXXX central time when XXXX emailed my husband and I that our rate lock in had in fact, not been extended. In her email she stated that NFCU could not verify that a lock in error had occurred at the time of the initial lock and that it was time stamped on XXXX XXXX She also stated that where it became unclear was whether or not it was explicitly stated to us that we would be locking in the rate and/or where the misinformation of extended rate locks being set up later in the process originated. I emailed XXXX as soon as I read that message and replied at XXXX, letting her know that I was confused and did not understand what was happening. I explained again that I had asked several times about the rate lock, but nobody had asked us to choose the term of the rate lock extension. I also explained that I was unaware that it was initially locked in on XXXX XXXX, and that whoever had done that had done so without asking us. I also let her know that throughout this loan process I questioned several times whether NFCU knew what our intentions were in regard to the loan, and that her email confirmed that they in fact did not understand what my husband and I tried to do initially, which was to lock in a rate that would end after XXXX XXXX I also asked her where I could file a complaint regarding the lack of transparency that NFCU had shown us when locking in a rate expiration without explicitly asking us if it was okay. She did say that there was a brief discussion about rate lock options but that she never revisited that with us but that prior to that discussion there was in information in our file detailing the initial rate lock. XXXX called me at XXXX of that same day XXXX XXXX and told me that the email I sent was exactly what she needed as it made clear that both my husband and I were not aware of the lock in rate extension. She let me know what she was going to take this as high up as possible and make it right. We agreed that she would call me with any update. By the following day, XXXX XXXX, I did not have any updates and I emailed XXXX at XXXX XXXX central time to see if there were any updates and also to find out what happened between the time she told me that she had gotten us an extension on Wednesday and then telling me she had not in fact done so, on Thursday. I called XXXX at XXXX central time on XXXX XXXX because I still did not have an update. I called the general phone of NFCU and spoke with XXXX. I explained the situation and she gave me the names of XXXX supervisors. I asked her where I could make a formal complaint regarding this situation, and she directed me to send a message online. She stated that XXXX would contact me in 15-20 minutes. At XXXX central time on XXXX XXXX XXXX called me back because she wanted to explain what had lead to the reason the rate lock was denied. I explained to XXXX that I had a meeting at XXXX central time and she stated that she would be in the office until XXXX central time and we made a decision at that time to speak after my meeting. My husband called XXXX shortly after our phone call asking her information about the appraisal and why NFCU did not seem in a rush to get the ball rolling if she knew the extension was set to expire on XXXX XXXX (specifically because we were not aware of this until XXXX told us, because we at no time made a decision about the term of our lock in period). I called XXXX back on XXXX central time and she explained the process of the denial for our extension. When I asked questions about the rate lock that was made on XXXX XXXX, she told me that there were no "comments" in our file, only that it was done as the time stamp shows. She said that there are usually comments left in that section, and that it was odd that there was nothing there. I did explain that it seems unfair that a blank box without comments would be seen as proper and explicit communication with us that we were locking in a rate, even though there is email communication with me asking when we would lock it in. It seems absurd that I would be asking about when we would lock in a rate, if I knew we had already done that on XXXX XXXX After making an official complaint at a local branch office and one online via the NFCU on SaturdayXXXX XXXX XXXX XXXX I was contacted by XXXX XXXX via telephone from NFCU on XXXX XXXX XXXX XXXX XXXX. He let me know that he was now assigned to our case and would be our primary contact. I described my complaint and let him know that I had also submitted a written complaint via the NFCU website. He told me he would contact me on Wednesday with an update, if not before then. On XXXX XXXX XXXX XXXX he called me to let me know that I would be receiving a loan mortgage estimate so that they would be in compliance with regulations that require that I receive a new estimate within three days when there are changes with the loan. He stressed that I should not worry about what it said in regards to the numbers as he was still working on getting NFCU to honor the rate of 4.65%. He also let me know that he had spoken to my husband and had told him that the goal was to have everything done and we could close on Wednesday XXXX XXXX My husband let him know that this would not work as per our construction loan, we need to be closed before XXXX XXXX. He said that outside of waiting to hear an update on the rate, his team was ready and things should be in place to close on XXXX XXXX XXXX There were no updates on Wednesday, XXXX XXXX XXXX XXXX called me at XXXX central time on XXXX XXXX letting me know that a decision had not been made. He said his team was working to get our rate honored and he would follow up with me first thing in the morning to update me on whatever happened on Thursday afternoon. On XXXX XXXX XXXX at XXXX central time I called and left a message for XXXX as I had been expecting an update. My husband and I had to call several times for updates and per XXXX at XXXX central time, the rate lock still in question. I reminded him that the reason I escalated this was because of the timeline to close. I let him know that I did not understand what was happening. He told me on our first conversation that his job was to be objective and not take a side. He has told me that on his end he is trying to have NFCU honor the rate. I explain that it seems that if he says he is working to have them honor the rate and XXXX has told us a mistake was made on their end, I did not understand what was taking so long. XXXX XXXX supervisor called me awhile later that day XXXX XXXX to report that the rate lock was going to be extended to the end of the month. The following week, the bank where we had our construction loan, sent a payoff statement to NFCU and it was then that the loan officer from the construction loan let me know that we were to close on XXXX XXXX. I did think it was odd that the information would come from her and not my loan officer. As things progressed that week XXXX requested more documents and we gave them to her as soon as possible. By XXXX XXXX XXXX XXXX let me know that we were not likely going to close on XXXX XXXX because we still did not have a closing disclosure (and we needed to have it for 3 days). My husband and I again expressed our frustration because we had done everything that was asked of us and we were told that their "entire team" was working on it. By the next week, we still not had heard anything from NFCU. After several phone calls made by my husband and I, we finally were able to get ahold of XXXX XXXX It was then that he explained to my husband that we needed to have another inspection. He then told me that he knew we needed to have this done on XXXX XXXX XXXX, but failed to let us know until we finally were able to get ahold of him near the end of the business day on XXXX XXXX I also called to speak to the supervisor for XXXX XXXX and let a message for her to call me. As of XXXX XXXX XXXX, she has yet failed to contact me. On XXXX XXXX XXXX, I sent an e-message via the NFCU website as I was frustrated with how our loan was handled and how there was such poor communication in regards to what was needed. This complaint XXXX did get an email response stating that it was escalated to the appropriate parties for a response. It is XXXX XXXX XXXX and there has yet to be any response. When we did finally get our closing disclosure, I had to contact the title company to set everything upXXXX XXXX told me she could/would take care of the wire transfer on two occasions. When I called to check on this, it had not been done and I was advised to do it myself. I had no problem doing that, but the concern is that had I not called, it would not have been done. It is extremely frustrating to be told something would be handled, and then not only not have it handled, but only find out because you had to call and check on things. The biggest complaints we have are as follows: 1. NFCU employees were not clear or explicit in their explanation to us about the terms of the rate lock (neither on XXXX XXXX or for the extension). When we first reach out to NFCU we were very confident in our decision to move forward because NFCU had the options available that we wanted to lock in a rate after our construction loan was over. It saddens me that employees did not take the time to ensure we understood what was happening, even when I repeatedly noted that I was had questions about the terms of the rate lock in and questions about NFCU understanding what we wanted. 2 It is irreprehensible that an employee would tell a member with confidence that errors occurred on their end, that they would fix it, and tell the member that it was fixed; and then walk back on that statement the following day. To not honor what you say is something I would have ever expected from NFCU. The mission of "members first" was not done here. 3. It is frustrating that NFCU employees would not be forthcoming with information that is needed, especially when the complaint was escalated on two occasions due to the time sensitive nature of closing. It should not be up to the members to have to call and email multiple times just to get answers. This frustration extends all the way up to the resolution center. XXXX XXXX told us that he would be our main point of contact and he withheld important information that we needed so that we could get a timely inspection. It made us question whether NFCU was working to retaliate against us so that the closing process would move us beyond the end of the month so that they would not have to honor the rate lock. Over the past six weeks, we have been made aware that somebody made decisions without our explicit consent in regard to the terms of our rate lock. We were lied to and misled despite our questions regarding very specific items. This entire situation would have been avoided had NFCU been transparent and upfront when we asked questions. If it was not for us constantly asking question and escalating the situation, we would have been taken advantage of in regard to our mortgage. It is awful to think this could happen to somebody who gets tired of dealing with NFCU and gives up. Prior to this incident, we would have gladly and without hesitation, recommended NFCU for all of their services. I now have several reservations in recommending them to anybody due to the actions they displayed. It appears that this kind of behavior comes from the top down as we had poor communication and lack of transparency from the resolution center, down to our loan processor and loan officer. People deserve better. Members deserve better. And NFCU is better than what has been displayed to us. | ||||||
| 07/10/2020 | Yes |
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Web | Servicemember |
| On XXXX XXXX around XXXX PST. My husband was standing inline outside of our bank ( Navy Federal Credit Union ) waiting to deposit a check he received from a vendor. He was holding the check in his hand along with a FedEx envelope that contain paperwork regarding our business. I was standing by the back bumper on the driver side of our car in the shade waiting for my husband to move closer in the bank. There was a lady in front of my husband that had a check in her hand and a gentleman behind him that had a check in his hand also. Outside the bank was a bank employee and he was directing the traffic flow to enter the bank due to the COVID-19. He asked the lady in front of my husband what was her business at the bank today was she her to for a transaction or to speak to a service member. She stated that she was her to cash a check. Then he asked my husband what was his business at the bank today was he here for a transaction or to speak to a service member. My husband stated that he was here to deposit a check, the employee looked down at the check in my husband hand and said is that the check you want to cash. My husband stated yes this is the check I want to deposit not cash. He then stated that is a fake check. My husband said this is not a fake check, he then asked if he could see the check. My husband said yes and handed him the check. The employee then took the check and held it up to the sunlight and with he finger began to point out see this is how I know it is a fake check. See the numbers across the bottom and see how the font is different. Also what time of name is this on the check. My husband said I guess XXXX and he said yes this is a fake check we see a lot of checks from there and they are fake, trust me I know a fake check when I see one. My husband stated I have done business with this company and this is not a fake check. The employee then stated you can cash this check on your account but when the check is return we will be deducting the funds from your account. My husband then stated I know this is not a fake check. Then the employee left from outside the bank and went inside, that is when I walked over to my husband and asked him why was he holding the check up to the sun like that? My husband stated the he was trying to say that this is a fake check. I asked my husband why would he single you out there are other people standing here with what looks like checks in their hands. He said I don't know. Then another employee said that we can move into the bank on the next circle on the floor. So while we were inside my husband seen the employee coming out through a door and he said excuse me can I asked you why you single me out out of all these people in line and accuse me of trying to cash a fake check. Is it because I am XXXX, my husband said that because at the time we were the only XXXX standing in line. The employee said no, I'm XXXX. My husband said I don't care that you are XXXX why do you single me out and no one else. I then asked the lady in front of me excuse me did he asked to see your check she stated no and then I turned around to the gentleman behind me and before I could even ask him he said he didn't ask to see my check either. I then asked the teller in the middle is there a bank manager here. She could barely hear me because of my mask, so I pulled it down and asked her is there a manager here. She stated no. So while my husband was upset and speaking to the employee he asked the employee can I speak with your manager by that time another employee approached my husband and was saying do you have a problem. My husband then asked him if he was a manager? He stated no, so then my husband said well then I am speaking to him this is an a & b conversation if your not his manager then you do not need to be walking up on me like that. I'm asking him for his manager, that employee then stated that my husband could leave the bank that the bank does not have to do business with him trying to cash a fake check and my husband and me both said we are not leaving we are going to deposit this check in our account. That is when I seen this tall employee come around from behind the tellers and approach my husband. He said wait excuse me my name is and what is your name. My husband told him his name and he said that he was a manager can my husband go with him to his office and speak with him. So my husband said sure. While my husband was in the office with the manager, I was still standing in line. That is when the employee that approached my husband outside the bank began to talk about why my husband was there. Everyone who was standing inside the bank could hear everything. Which is a violation of our privacy. I just turned around and looked at him. Then it was my turn up at the teller window, by that time the manager was bringing my husband from his office and up to the teller window. He then told the teller to deposit this check into XXXX XXXX account but to put a 5 day hold on the check and if the check is returned we are going to withdraw the funds from the account. I said why are you telling everyone in the bank. When then did our transaction and then walked out. While we were sitting in the car I called and placed in order for food then we left the bank and headed to pick up our food. On the way to XXXX XXXX my husband was telling me that the manager didn't pull up our account all he wanted to see was the check which he also said it was a fake check and he asked to see inside the FedEx envelope. My husband said he told him that this envelope has nothing to do with the check but you are more than welcome to look inside. Which he did, and then he told my husband that the check would be place on a 5 day hold until XX/XX/XXXX and that the funds for the check would not be available until the check has cleared the bank on the XXXX. So when we got home and ate our food I then contacted the XXXX number for Navy Federal Credit Union and filed a complaint against the employee at that branch in XXXX. I spoke to a supervisor, she recorded my complaint and informed me that she was going to forward my complaint over to the Regional Office. She apologize for the way we were treated at the bank and said that someone would be getting into contact with me. After I got off the phone my husband told me that he just received a phone call from an officer with the XXXX Police Department wanted to speak with my husband regarding the incident at Navy Federal Credit Union today. He stated that someone from the bank called and filed a complaint against my husband stating that he was trying to cash a fake check that was inside a FedEx envelope and when employees warned him that they would deposit the check but not to spend the funds as it will be a fake check that my husband became angry and squared up on some of the employees and then said he was going to be waiting for him before or after work. My husband said nothing like that. He did not threaten to com back up to the bank. So when my husband told me that I contacted the XXXX Police Department to see if a report was filed and it was the lady stated that she can send me the report via email, which she did. Then I called the Navy Federal and asked to speak to the Branch manager and they called over to the branch and told me that the branch manager would be out until Monday but that there was a manager at that branch that I could speak with. I told them that was fine and they transferred me over to the manager at the XXXX branch and it just so happen to be the same manager that spoke to my husband. I asked him why did one of his employees contact the police? He stated that no one from his branch contacted the police and I told them yes they did because we were contacted by a police officer yesterday evening and he again stated that he doesn't know anything about any one contacting the police but he would check with the employees and get back with me. Then he stated that he contacted XXXX XXXX and spoke with a representative that verified that the check was fake. I told him the check is not fake and that we will continue to wait the 5 days for the check to clear. He then told me he would call be back either later today or tomorrow regarding the police issue. He called me the next day which was XX/XX/XXXX and informed me that it was security that contacted the police. I asked him what security? Did he have security at the bank he said no that his security department is out of another state and that he could give me their number. I asked him how would his security department know anything that happen on XX/XX/XXXX if the wasn't told by one of the employees and the bank. He said I don't know. So I said one of your employees is claiming he was threaten and contacted security and you knew nothing about it. He stated yes and then informed me again about contacting XXXX XXXX and that they stated that it is a fake check. After I got off the phone with him. I contacted XXXX XXXX and asked to speak to the same person he claimed he spoke with and they had no one by that name. Then I asked the representative with XXXX if I would be able to verify if a check from their bank is fake. The rep stated that she can connect me over to the security department and they can help me with the verification. When I spoke to the security department with XXXX XXXX the gentleman told me that he would need the routing number located on the check in order to verify that information. I then told him that I would call NFCU and get that information and call him back. I then called NFCU and asked if I can get a copy of the check that I deposited on XX/XX/XXXX the rep said of course and emailed me a copy of the check. I then contacted XXXX XXXX bank and asked to speak to the security department. I then gave them the information needed on the check and they informed me that it is a bill pay check that that member does have and account with them and that they have received the request for funds from NFCU and that the check is being process now. So me and my husband get ready to leave out of town for the XXXX of XXXX weekend, and while we were 2 hours out my husband says I can't access our mobile banking online and I said what he said it says that we need to contact this number. So my husband calls them on my phone because it is XXXX to our rental car and I explain to the NFCU representative that we can not access our mobile banking that it is stating for us to contact this number. So she pulls up our account and she says yes I see that your accounts has been frozen due to fraudulent activity and that you need to speak to our security department. So I asked her if she can transfer me and she stated that the department was already closed, so I said so your telling me that we don't have access to any funds in our account and she stated yes. That transactions can come into our account but no transactions can come out. I said but I have other funds in that account and my other accounts that cover that check. She stated that I needed to talk to security regarding the freeze, that they will be open tomorrow. I said tomorrow is the XXXX of XXXX we are headed out of town why wasn't we contacted? She said I'm sorry but Security will be open tomorrow from XXXX am - XXXX pm EST. So my husband and I turn around because we have very little money on us we always use are debit cards and head back home very upset. The next day I called the security department and the rep was very rude she told me that are accounts were frozen due to fraud. Then she asked me what type of check this was. I told her that it was payment to our company from a vendor for service and she said asked me about the information on the check I told her that was our company which we own and the other name was a vendor. Then he asked what type of work does your husband do? I stated that he was a XXXX XXXX XXXX and that he was working for this vendor and she said I thought you said you own the company. I said we do own the company but the check is from this vendor to our company. Her tone was extremely rude. She stated that the manager at NFCU called XXXX XXXX and verified that the check was a fraud. I told her that if she looks at our account she would see the we received a Bank wire from XXXX XXXX by this exact same vendor on XX/XX/XXXX and I gave her the amount. She put me on hold then when she came back on the phone her tone changed completely. She was very nice she told me that she lifted the security freeze from our account. I asked her why did she do that and she never answered she stated that the check would still be on hold until the XXXX. I told her we already knew that, that we were told that on XX/XX/XXXX and I asked her why did NFCU wait 3 business days to freeze our account if they already verified according to the bank XXXX that the check was a fraud. She stated she doesn't know that someone from the branch spoke to a rep from XXXX XXXX and they stated that the check was a fraud. I told her that I hope she has a safe and fun XXXX of XXXX weekend because NFCU has ruined ours. I then emailed the Branch Manager of NFCU in XXXX and explained to her what had happen at her branch. The checked cleared on XXXX the XXXX the same day I received a phone call from the Branch Manager of the XXXX XXXX and also a letter from NFCU stating that my husband is no longer permitted to enter an NFCU branch for any reason due to the fact that he has consistently failed to treat them with the courtesy and respect they deserve. My husband and I have been with Navy Federal for years. We have never had any issues with them. My husband is a XXXX veteran and we are very disappointed and very upset by the way we have been treated by our bank. We feel as though we were singled out and that our civil rights were violated from the beginning while standing outside in line. We feel as though NFCU did not operate on our behalf as their customer and conduct a private an accurate verification since they knew for a fact that it was a fake check. If I was able to get that information the NFCU bank manager and our NFCU security department should've been able to do the same. Instead they inconvenience a long standing customer. | ||||||
| 07/25/2023 | Yes |
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| Navy Federal Credit Union terminated my consumer account with a balance of XXXX remaining that I have since requested payment for. Navy Federal keeps attempting to collect XXXX from me which is a violation of federal law. Navy Federal Credit Union and it's subsidiary were notified via registered mail that I would like to redeem my payment and securities. 12 CFR 1026.11 - Treatment of credit balances ; account termination. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 1026.12 Special credit card provisions. ( a ) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no credit card shall be issued to any person except : ( 1 ) In response to an oral or written request or application for the card; or ( 2 ) As a renewal of, or substitute for, an accepted credit card. ( b ) Liability of cardholder for unauthorized use ( 1 ) ( i ) Definition of unauthorized use. For purposes of this section, the term unauthorized use means the use of a credit card by a person, other than the cardholder, who does not have actual, implied, or apparent authority for such use, and from which the cardholder receives no benefit. ( ii ) Limitation on amount. The liability of a cardholder for unauthorized use of a credit card shall not exceed the lesser of {$50.00} or the amount of money, property, labor, or services obtained by the unauthorized use before notification to the card issuer under paragraph ( b ) ( 3 ) of this section. ( 2 ) Conditions of liability. A cardholder shall be liable for unauthorized use of a credit card only if : ( i ) The credit card is an accepted credit card ; ( ii ) The card issuer has provided adequate notice of the cardholder 's maximum potential liability and of means by which the card issuer may be notified of loss or theft of the card. The notice shall state that the cardholder 's liability shall not exceed {$50.00} ( or any lesser amount ) and that the cardholder may give oral or written notification, and shall describe a means of notification ( for example, a telephone number, an address, or both ) ; and ( iii ) The card issuer has provided a means to identify the cardholder on the account or the authorized user of the card. ( 3 ) Notification to card issuer. Notification to a card issuer is given when steps have been taken as may be reasonably required in the ordinary course of business to provide the card issuer with the pertinent information about the loss, theft, or possible unauthorized use of a credit card, regardless of whether any particular officer, employee, or agent of the card issuer does, in fact, receive the information. Notification may be given, at the option of the person giving it, in person, by telephone, or in writing. Notification in writing is considered given at the time of receipt or, whether or not received, at the expiration of the time ordinarily required for transmission, whichever is earlier. ( 4 ) Effect of other applicable law or agreement. If state law or an agreement between a cardholder and the card issuer imposes lesser liability than that provided in this paragraph, the lesser liability shall govern. ( 5 ) Business use of credit cards. If 10 or more credit cards are issued by one card issuer for use by the employees of an organization, this section does not prohibit the card issuer and the organization from agreeing to liability for unauthorized use without regard to this section. However, liability for unauthorized use may be imposed on an employee of the organization, by either the card issuer or the organization, only in accordance with this section. ( c ) Right of cardholder to assert claims or defenses against card issuer ( 1 ) General rule. When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder may assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder may withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount. ( 2 ) Adverse credit reports prohibited. If, in accordance with paragraph ( c ) ( 1 ) of this section, the cardholder withholds payment of the amount of credit outstanding for the disputed transaction, the card issuer shall not report that amount as delinquent until the dispute is settled or judgment is rendered. ( 3 ) Limitations ( i ) General. The rights stated in paragraphs ( c ) ( 1 ) and ( c ) ( 2 ) of this section apply only if : ( A ) The cardholder has made a good faith attempt to resolve the dispute with the person honoring the credit card ; and ( B ) The amount of credit extended to obtain the property or services that result in the assertion of the claim or defense by the cardholder exceeds {$50.00}, and the disputed transaction occurred in the same state as the cardholder 's current designated address or, if not within the same state, within 100 miles from that address. ( ii ) Exclusion. The limitations stated in paragraph ( c ) ( 3 ) ( i ) ( B ) of this section shall not apply when the person honoring the credit card : ( A ) Is the same person as the card issuer ; ( B ) Is controlled by the card issuer directly or indirectly ; ( C ) Is under the direct or indirect control of a third person that also directly or indirectly controls the card issuer ; ( D ) Controls the card issuer directly or indirectly ; ( E ) Is a franchised dealer in the card issuer 's products or services ; or ( F ) Has obtained the order for the disputed transaction through a mail solicitation made or participated in by the card issuer. ( d ) Offsets by card issuer prohibited ( 1 ) General rule. A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. ( 2 ) Rights of the card issuer. This paragraph ( d ) does not alter or affect the right of a card issuer acting under state or Federal law to do any of the following with regard to funds of a cardholder held on deposit with the card issuer if the same procedure is constitutionally available to creditors generally : Obtain or enforce a consensual security interest in the funds ; attach or otherwise levy upon the funds ; or obtain or enforce a court order relating to the funds. ( 3 ) Periodic deductions. ( i ) This paragraph ( d ) does not prohibit a plan, if authorized in writing by the cardholder, under which the card issuer may periodically deduct all or part of the cardholder 's credit card debt from a deposit account held with the card issuer ( subject to the limitations in 1026.13 ( d ) ( 1 ) ). ( ii ) With respect to a covered separate credit feature accessible by a hybrid prepaid-credit card as defined in 1026.61, for purposes of this paragraph ( d ) ( 3 ), periodically means no more frequently than once per calendar month, such as on a monthly due date disclosed on the applicable periodic statement in accordance with the requirements of 1026.7 ( b ) ( 11 ) ( i ) ( A ) or on an earlier date in each calendar month in accordance with a written authorization signed by the consumer. ( e ) Prompt notification of returns and crediting of refunds. ( 1 ) When a creditor other than the card issuer accepts the return of property or forgives a debt for services that is to be reflected as a credit to the consumer 's credit card account, that creditor shall, within 7 business days from accepting the return or forgiving the debt, transmit a credit statement to the card issuer through the card issuer 's normal channels for credit statements. ( 2 ) The card issuer shall, within 3 business days from receipt of a credit statement, credit the consumer 's account with the amount of the refund. ( 3 ) If a creditor other than a card issuer routinely gives cash refunds to consumers paying in cash, the creditor shall also give credit or cash refunds to consumers using credit cards, unless it discloses at the time the transaction is consummated that credit or cash refunds for returns are not given. This section does not require refunds for returns nor does it prohibit refunds in kind. ( f ) Discounts ; tie-in arrangements. No card issuer may, by contract or otherwise : ( 1 ) Prohibit any person who honors a credit card from offering a discount to a consumer to induce the consumer to pay by cash, check, or similar means rather than by use of a credit card or its underlying account for the purchase of property or services; or ( 2 ) Require any person who honors the card issuer 's credit card to open or maintain any account or obtain any other service not essential to the operation of the credit card plan from the card issuer or any other person, as a condition of participation in a credit card plan. If maintenance of an account for clearing purposes is determined to be essential to the operation of the credit card plan, it may be required only if no service charges or minimum balance requirements are imposed. ( g ) Relation to Electronic Fund Transfer Act and Regulation E. For guidance on whether Regulation Z ( 12 CFR part 1026 ) or Regulation E ( 12 CFR part 1005 ) applies in instances involving both credit and electronic fund transfer aspects, refer to Regulation E, 12 CFR 1005.12 ( a ) regarding issuance and liability for unauthorized use. On matters other than issuance and liability, this section applies to the credit aspects of combined credit/electronic fund transfer transactions, as applicable. | ||||||
| 10/31/2022 | Yes |
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| Blessings here is a detailed explanation of what happened as well as the correspondence with my legal team about the issue and all attachments in reference to the situation. Please help me iam in need of your help!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX XXXX XXXX XXXX ( Transaction Details and Information ) Navy Federal XXXX, Listed are the conversations with the other firm detailing the events that took place along with transaction details and business information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to XXXX XXXX XXXX, approximately between the hours of XXXX and XXXX I received a call from the Navy Federal disbursement department in regards to a request to send a {$50000.00} wire transfer from XXXX XXXX from XXXX XXXX. I immediately denied the request for {$50000.00} as well as explained to the representative exactly what the situation was with XXXX XXXX and the service was already rendered and that I also would like to request a transfer of {$45000.00} from a wire we sent to XXXX XXXX XXXX XXXX. Instead of doing what I asked she does the exact opposite and sends XXXX XXXX {$45000.00} instead of requesting to have it sent back. She also stated that she had denied the {$50000.00} and that the {$45000.00} would be returned within 15 minutes. I waited 15 minutes before I went online to check. When I checked I noticed a pending transaction of {$45000.00}. I immediately called Navy Federal to correct the situation and went through a whole day of frustration with them trying to figure out how to correct the process and being passed on from representative to representative until I finally reached the disbursement department XXXX who gave me her personal contact information listed below. She assured me she would do everything in her power to retrieve the funds being that it was an error on their part. She also stated that they have put in several requests to the federal reserve that the funds were sent in error and for XXXX XXXX to return the funds. I also called XXXX XXXX who couldn't tell me much, however the representative did state that in such circumstances the funds should be immediately sent back once notice is received. I then immediately called the disbursement manager to inform her and she urged me to give them until Friday of this week to go through the process of retrieving the funds. So here we are at this point still waiting on the return of the funds. If there is any additional information that you may need please do not hesitate to give me a call or email. Thank you so much you are greatly appreciated. Navy Federal XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to me XXXX, I didnt hear from you by end of day Friday, so I am assuming the wire was returned as you had hoped. Please confirm if this is true. Thanks XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to XXXX XXXX XXXX, Unfortunately it's not true. They haven't returned the wire. However they did call 2 hours after they said they would. They said that they would call at XXXX and didn't until XXXX Friday. The disbursement department XXXX XXXX XXXX said that they have communicated with XXXX XXXX and they were very vague but able to insuate that they were having delays and haven't received the funds yet. So Navy Federal requested more time to retrieve after the holiday. So I gave them until the end of Tuesday evening. Thank you for following up. I will give you a call tomorrow to give you an update. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to XXXX XXXX, XXXX. Please give me a call when you get a minute. Iam trying to stay sane. They haven't sent the wire back yet. XXXX XXXX XXXX Attachments Tue, XX/XX/XXXX, XXXX XXXX to XXXX XXXX XXXX, I was able to get an audio recording however she was careful with her words. I did manage to get a few solid points across. at XXXX she agrees with " XXXX XXXX '' when I state that I never said return to the other bank. At XXXX she suggested seeking legal advice and at XXXX she said she did everything possible. Also on the audio from the day of the event I stated my intentions very clearly. Everything is on the recorded audio call from the day of the event that we need to prove the case. It boggles my mind how she blatantly did the opposite of what I requested. I put the audio in the attachment. Please give me a call when you can. Thanks. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to me XXXX, I got this and listened to it. I am going to give you a call in a few minutes. Our last call was breaking up. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to XXXX XXXX, talk to you then. XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXX XXXX to me Dear XXXX, It was a pleasure speaking with you today. As discussed, please reply to this email with the substantiating documents and/or statements for all the wire transfers between your Company and XXXX XXXX. Please send the documentation supporting the following transactions : XXXX. XX/XX/XXXX transfer of {$45000.00} from XXXX XXXX XXXX. XXXX XXXX, XXXX transfer of {$50000.00} from XXXX XXXX XXXX. XX/XX/XXXX transfer of {$45000.00} from XXXX XXXX XXXX. Documentation supporting your transfer of that ~ {$45000.00} back to XXXX XXXX XXXX. Documentation indicating that the bank returned the additional {$45000.00} to XXXX XXXX If you have a copy of the written wire request form that you physically complete at the bank for item # XXXX, please attach that as well. I look forward to receiving your documentation and getting this letter over for your review. Thank you! XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXX XXXX to XXXX XXXX XXXX, it was a pleasure speaking with you today as well. In the attachments are the documents you requested. In going back through all the old transactions I discovered that they made an even bigger mistake. I was confused because Navy Federal stated it was {$45000.00} sent in XXXX of XXXX by XXXX XXXX however there was not ever {$45000.00} sent in XXXX of XXXX by XXXX XXXX I don't know where the Navy Federal representative got that information from? Here is the timeline to coincide with the attachments : there was {$50000.00} sent on XX/XX/XXXX and another {$50000.00} sent on XX/XX/XXXX in which all services were rendered and XXXX XXXX was paid the proceeds, most of it through Navy Federal as well. Then there was another {$45000.00} sent on XX/XX/XXXX in which we sent back to XXXX XXXX on XX/XX/XXXX with the promise to be repaid by XXXX XXXX through proceeds from her music and brand and on XX/XX/XXXX is when we received the phone call from Navy Federal about the request from XXXX XXXX to reverse a {$50000.00} wire from XXXX. I immediately stated I do NOT approve and to NOT send the funds however to send back the XXXX that we sent to her on XX/XX/XXXX instead she did an unauthorized transaction sending another {$45000.00} which went to XXXX XXXX when I clearly stated I do not approve of sending her anything on a recorded audio. I can also give you physical copies of any paperwork you may need, need be. Please feel free to give me a call at any time if you have any further questions that may help things moving forward. Thank you, you are greatly appreciated. XXXX XXXX XXXX XXXX XXXX attachment Scanned by XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to me Dear XXXX, Based on the documentation, XX/XX/XXXX deposit by wire {$50000.00} XX/XX/XXXX deposit by wire {$50000.00} XX/XX/XXXX deposit of {$45000.00} XX/XX/XXXX wire to XXXX XXXX of {$44000.00} representing a refund of the majority of the funds paid on XX/XX/XXXX. I have the wire transfer receipt, but do not see the transfer indicated on the screen shots of the bank transactions that you sent. Did that money you wired back come from a different account? XX/XX/XXXX transfer by wire {$45000.00} Is there documentation indicating where this money was transferred to? Please confirm this was the transfer done by NFCU without authorization. XX/XX/XXXX call by NFCU to you Is there another reversal or transfer out after XX/XX/XXXX? Please advise. Also, is there a way you can send the actual statements for the months with the pertinent incoming and outgoing wires? I can redact ( XXXX out ) the other statement information that is not relevant to this matter with the wires. Thank you! XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXX XXXX to XXXX, XXXX XXXX, XXXX yes the wire of {$44000.00} sent on XX/XX/XXXX was for the {$45000.00} sent by XXXX XXXX on XX/XX/XXXX. It was sent from the business checking account I have put pdf files of all statements pertaining to this situation in the attachments. Also the deposits went into business savings and then we transferred it to checking to send back. It's {$44000.00} because they charged a fee to send it and said we had to come in person to send it. Which I am curious to know why that wasn't the protocol this time. I put that statement in the attachments as well. There wasn't any other transactions to XXXX XXXX after the mistake that was sent on XX/XX/XXXX. Also i sent another audio recording that will be helpful in the attachments I had to send in a separate email the file was to large. Its a recording of XXXX XXXX the XXXX XXXX. XXXX. In the new audio at XXXX - XXXX She states the original reason they called and that an error was made at XXXX - XXXX she states that the specialist I spoke with at the call center only new the basics about wires and wasn't knowledgeable enough to handle the situation at XXXX she admits that I said, have the wire returned to me. Also there isn't any documentation of where the funds were sent I haven't received a receipt or anything and the wire was on XX/XX/XXXX not XX/XX/XXXX, XX/XX/XXXX is the unauthorized wire date. If you have any questions please do not hesitate to call or email in response. Thank you. 4 Attachments Scanned by XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to me, XXXX Dear XXXX, Thank you, I am printing these now. I anticipate having a draft letter to you to review tomorrow morning. Best, XXXX XXXX : Response to Demand Letter of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( 7 days ago ) to me, XXXX, Front XXXX, We finally received a response from Navy Federal Credit Union. They attached the audio requested. There are some hurdles we need to discuss that make this a more difficult situation than anticipated and I think we should meet in person regarding the best way forward. First, the employee states that the return request is for a wire " deposited into your account '' on about XX/XX/XXXX, and asked if you wanted it returned. You respond with a strong no. She then states she will stop the request for that wire, but then asks you about returning the funds of {$45000.00} which were sent to you, to which you say to do. We know you meant to return the funds you refunded to her from you, but that was not how the employee phrased it. Further, she says she will work on the return of the funds and asked you to clarify that they are the funds you received on XX/XX/XXXX, to which you say yes. She then states to you that you will see that wire debited to which you say ok. The word debited should have been a tip off to the misunderstanding. However, she never clarifies which account number which she should have done. Further, the confusion of whether or not you received funds on XX/XX/XXXX and XX/XX/XXXX are in question. There are plenty of mistatements on both sides of this conversation and we need to decide how to proceed. At any rate, let me know your availability over the next few days so we can put together the best response. Thanks! XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX From : XXXX XXXX XXXX Date : Fri, XX/XX/XXXX at XXXX XXXX Subject : Response to Demand Letter of XXXX XXXX XXXXXXXX XXXX To : XXXX XXXX Cc : XXXXXXXX XXXX XXXX Good Afternoon XXXX XXXX, My name is XXXX XXXX, and I am an assistant general counsel for Navy Federal Credit Union. We are in receipt of the demand letter you sent on XX/XX/XXXX. As requested, attached is the recording of the call on XX/XX/XXXX between XXXX XXXX and our employee, XXXX. ( As a note, we have redacted XXXX XXXX personal identifiable information. ) As you will hear, XXXX XXXX explicitly told our employee to return the {$45000.00} wire. Our employee acted as directed by XXXX XXXX ; this was not an error made by our employee. Accordingly, we can not do anything on our end to return the funds, and the recipient of the wire will have to initiate the return. Please let us know if we can be of any further assistance. Thank you, XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX | XXXX, Florida XXXX Direct : ( XXXX ) XXXX | Cell : ( XXXX ) XXXX XXXX Confidential Notice : This email may contain information and material that is confidential, privileged and/or attorney work product which, along with any attachments, is intended for the sole use of the intended recipient. If you are not the intended recipient, any review, reliance, use, copy or distribution by others or forwarding without the express permission is strictly prohibited. If you received this communication in error, please notify the sender and Navy Federal Credit Union immediately by telephone at XXXX and permanently delete this email and all back up copies from your system. Thank you. XXXX attachment Scanned by XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( 7 days ago ) to XXXX, XXXX, Front Thanks for the update. Iam available anytime this week. Let me know what works for you and I can adjust my schedule. XXXX XXXX XX/XX/XXXX, XXXX XXXX ( 7 days ago ) I can do tomorrow between XXXX or Thursday between XXXX or Friday XXXX. Let me know what works for you. Thanks XXXX XXXX XX/XX/XXXX, XXXX XXXX ( 7 days ago ) Tomorrow at XXXX XXXX works for me. Thanks you. XXXX XXXX XX/XX/XXXX, XXXX XXXX ( 7 days ago ) Ok, see you then. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( 7 days ago ) to XXXX XXXX see you then. | ||||||
| 03/29/2019 | Yes |
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Web | Servicemember |
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XXXX does no have fraud protection and a scammer was able to defraud me using XXXX which does not have the same service protections as XXXX. I lost XXXX XXXX out of my Navy Federal Credit Union checking account. The seller asked me to pay them through XXXX instead of my preference of XXXX for an anonymous transaction. I was not aware of XXXX, did a little XXXX to read up on it and discovered its a digital payments service thats backed by Navy Federal Credit Union which made me feel more comfortable about the transaction. The seller told me to use the XXXX mobile application so I thought XXXX was a legit service, and assumed Navy Federal Credit Union would step in to help if anything went wrong. After all, I was sending money directly to another bank account so surely the seller would know they could be tracked down and caught if they attempt fraud?! Unfortunately, proved to not be the case as the seller actually a scammer kept the money, his phone was turned off ; he never responded to any emails- he was gone and I never received the product/service paid for. I filed a complaint with Navy Federal Credit Union. I am unaware if Navy Federal Credit Union 's fraud department tried to call the seller 's bank to follow up on the matter. Navy Federal Credit Union sent me a letter stating theres nothing they can do to help recoup the stolen money. When I emailed a complaint to XXXX Support to help, XXXX responded by sharing a link that explained why XXXX should only be used with family and friends and that XXXX is not responsible for goods or services that are not received. Please see below conversation with NFCU : Subject : Fraud Navy Federal Response XX/XX/XXXX : Thank you for using Navy Federal 's eMessaging Service, Ms. XXXX.
Thank you for providing information regarding your claim. It has been attached to your dispute claim for reference. If you have any other questions or need additional assistance, please do not hesitate to contact us.
Sincerely, Debit Card Dispute Resolution Your Message XX/XX/XXXX : From : XXXX Consumer Support |
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| 11/17/2021 | Yes |
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| I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX XXXX Police Department. I, ve also mailed in certified letters to XXXX XXXX mail receipt code ( XXXX XXXX XXXX XXXX XXXX XXXX ). I received nothing. I'm also sure my information was leaked due to the information breach with XXXX. I was instructed to go to XXXX. I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to XXXX security breach.The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX ) He notice several instances where XXXX are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. XXXX continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that XXXX will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX has violated the XXXX XXXX has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section XXXX. I plan of taking full legal action if accounts are not removed by ( 4 days from todays date ). On XX/XX/XXXX *****only correct name on credit report should be spelled as followed ( XXXX XXXX XXXX Any other name or mispelling should be removed immediately. ***** ( FRAUDULENT ACCOUNTS ) ***** XXXX XXXX XXXX {$0.00} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$16000.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXXXXXX XXXX {$0.00} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX {$3400.00} Account XXXX XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX {$500.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX ***** ( FRAUDULENT INQUIRIES ) ***** XXXX Miscellaneous Reptg. Agencies XXXX date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vice President, Chief Legal Officer XXXX XXXX XXXX XXXX XXXX XXXX Non-executive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross referenced to the .U.S Code is at the end of this document.Section 623 imposes the following duties upon furnishers : Accuracy Guidelines. The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available atwww.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ). Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies -If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The CFPBs website, www.consumerfinance.gov/learnmore, has more information about theFCRA, including publications for business and the full text of the FCRA.Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accountsto be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. | ||||||
| 02/25/2021 | Yes |
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Web | Servicemember |
| This statement has all the information I can provide without adding personal identifiable information. I do have all of the emails mentioned on file. XX/XX/XXXX I applied for a mortgage loan through Navy Federal Credit Union in the amount of {$300000.00}. Per the preapproval letter I received I was preapproved for {$300000.00}. I later received an email from XXXX XXXX Mortgage Loan Officer | NMLS # XXXX stating she just wanted to reach out and introduce herself as the Loan Officer assigned to my mortgage loan application. She stated that she had reviewed my file and based off of the information that has been provided, I was currently pre-approved contingent upon sufficient funds to close & sufficient assets for reserves. My pre-approval was sent to my online document portal for my use. She went further to state that she would still like to review my mortgage loan application to ensure that she had all of the correct information and answer any questions that I may have. She mentioned that she would be out of the office until XX/XX/XXXX, but her back up would be monitoring her emails. If I was to respond to her email, I would also get an automatic response with her back ups contact information. I did respond to her email so that I would have her point of contacts information which was XXXX XXXX Mortgage Support Assistant | NMLS # XXXX because I did have questions. Nonetheless, with that preapproval, my family and I set out to put an offer on a home. XX/XX/XXXX I received an email from XXXX XXXX Mortgage Processor | NMLS : XXXX, stating she was assigned as the Mortgage Processor on my loan. Her email had a series of questions that I needed to answer and a listing of items I needed to produce. All the requested information was uploaded via XXXX within 24 hours. XX/XX/XXXX Mrs. XXXX sent me an email stating that if I wanted to move forward with purchasing a home she would need to withdraw my application an have another one opened up because if I was choosing to go with a VA loan, she would have to add my spouse to the application but if I wanted to do a conventional loan my spouse did not have to be on the application. This is because per her words " Louisiana, is something called a Community Property State, in which the VA requires a spouse to be on the application as well ''. I asked her what if my husband did not meet their credit score requirement and if she needed to run my credit again, she told me she only needed to run his credit and then advised that my application would be disapproved if he did not have the proper credit score. Moving on, my husband was added to the new application and new preapproval letter was sent to me dated XX/XX/XXXX in the amount of {$270000.00} because we made an offer on a house that cost less than the previous preapproval. Additionally, the closing date assigned was XX/XX/XXXX. XX/XX/XXXX Mrs. XXXX sent me an email asking if my husband had any type of income and how much he paid for child support and that she added him to my file and she gave me his credit score. I responded to her email within a couple hours and let her know that I was standing by for any additional requirements. She later sent an email to verify she had his military retirement pay and XXXX pay correct and at what frequency. I responded to that email as well within the hour. Between XX/XX/XXXX through XX/XX/XXXX I had not received a response from Mrs. XXXX although I had been emailing and calling to verify the status of the loan and to ensure there were no more requirements needed of me. I finally reached out to Mrs. XXXX, who was assisting Mrs. XXXX with her clients while she was on leave, to ask for assistance. Mrs. XXXX advised me to send an email to Mrs. XXXX and cc her supervisor XXXX XXXX to the email. I received an immediate response from Mrs. XXXX after that email. XX/XX/XXXX I received a call and email from XXXX XXXX Mortgage Processor | NMLS : XXXX, introducing herself, outlining the upcoming process and requesting more information to process the loan. Her email included a copy of my XX/XX/XXXX LES, she stated that the LES provided in XX/XX/XXXX needed to be updated. All documentation requested from her was uploaded via XXXX the same day. XX/XX/XXXX I sent an email to Mrs. XXXX requesting confirmation that she did receive the uploaded documents and to also question the target completion date she listed in her initial email as it was listed as XX/XX/XXXX. XX/XX/XXXX Mrs. XXXX responded stating that she would be reviewing the documentation I submitted that day and she would let you know if anything addition is needed. And that the actual target completion date is XX/XX/XXXX. XX/XX/XXXX I received a Navy Federal Credit Union notification that my appraisal was approved. I was not aware that the appraisal had even been scheduled but was grateful that it was approved. I reached out to Mrs. XXXX for more information and to find out what the next steps were. XX/XX/XXXX I received notification that I needed to upload my husbands Retiree Account Statement for proof of his retirement pay, which was an item I had uploaded over a month ago. After months of going back and forth with the Navy Federal Mortgage Team assigned to me ( some who introduced themselves and some I had no idea existed ) XX/XX/XXXX I was informed by XXXX XXXX Title Loan Processor II | NMLS # XXXX, that there was an issue with my loan and approval was in jeopardy. She stated that according to the underwriting dept ( no particular person was named ) the ETS on my LES was listed as XX/XX/XXXX and she asked if there was something I could submit stating that I was on contract longer than XX/XX/XXXX. I told her I have an extension that takes my contract to XX/XX/XXXX. She asked me to send that information and I did that right away along with some other documentation she requested. XXXX XX/XX/XXXX ( 2 days before the closing date ), Mrs. XXXX called to inform me that per the underwriting department my loan could not be approved because there was an oversight and I needed to have a contract that carries me at least 12 months pass the closing date. I reminded her that I have provided since XX/XX/XXXX, all of the information required to include my LES as well as notified both Mrs. XXXX and Mrs. XXXX that I retire after 20 years of service on XX/XX/XXXX during phone calls and that has not one time been an issue. Mrs. XXXX apologized and that she would forward all of this information to a supervisor. Later that afternoon, XXXX XXXX Mortgage Production Supervisor XXXX NMLS # XXXX, called me to discuss the pending issue. I provided all the same information as outlined in this complaint. She too, expressed her apologies, was very empathetic and stated that she would do all she could to assist. She also informed me that I would have a new Loan Officer XXXX XXXX NMLS # XXXX and between the two of them they would attempt to find a solution that would work best for me even if that meant putting me under a different type of loan. She also asked me for information regarding my student loans and items that were listed on my XXXX under allotments that were never questioned. Later that day Mrs. XXXX called me to introduce herself and discuss with me other loan options. She stated that converting me to a conventional loan would be my best option at this point because they would not be required to ensure that I had income coming in pass the closing date as is required with a VA Loan. At the end of the discussion, I was told that I would be moved to a Navy Federal Conventional Loan under their Military Choice option and a waiver request would be submitted to have the interest rate be 2.5 % as I was initially approved for vice 5 % as listed under that particular loan type. Later that day the waiver request was approved and the interest rate was locked at 2.5 %. XXXX XX/XX/XXXX, I reached out to Mrs. XXXX requesting a status of the loan since the closing date was the next day. She responded that, as promised, the appraisal report was converted to conventional and my file was sent back in for final review/clear to close as a conventional loan. XXXX XX/XX/XXXX, I reached out to both Mrs. XXXX and Mrs. XXXX via phone and email for a status of us being cleared to close. Mrs. XXXX responded with unfortunately no official decision had been made yet. She stated that Underwriting would not clear it that afternoon knowing your income is ending in < 2 months from closing. She stated that she had escalated this to senior management and they have escalated it higher and that they were doing everything they can to get an exception approved due to Navy Federal 's initial error and oversight. XXXX XX/XX/XXXX, I reached out to Mrs. XXXX again for a status via email. She responded and stated that, unfortunately they were still waiting on a response. Underwriting had requested a few more items be adjusted and notated for their final review/decision as they could not overlook the fact that the retirement information was already divulged. She also mentioned that a supervisor was resubmitting the file as she typed the message out to me. XXXX XX/XX/XXXX, XXXX XXXX Supervisor Mortgage Loan Ops | NMLS # XXXX, called to tell me that the loan would not be approved. At this time she wanted to discuss with me that it was not just because I was retiring in XXXX ( which was the entire issue up to this point ) but there were other mitigating factors as well. I responded to her that I was not willing to hear any of that because nothing else besides my upcoming retirement date has been an issue nor has anything else been discussed with me. This was a way for Navy Federal Credit Union to cover themselves from this oversight and to give a better reason for disapproving the mortgage loan. She stated that, what she wanted to discuss was not that but she wanted to ensure the real reasons I was being disapproved. At that time I told her that I intended to file a formal complaint against Navy Federal for their oversight and for the fact that this has a negative effect on not only me and my family but also the family who planned to sell their home to us as they have already moved out of the state because of this pending transaction. I also let her know that this has mentally and emotionally drained me as it has added to the stressors I already have. If this the fact that I needed to have additional time on my contract to utilize my VA Loan was discussed with me in XXXX ( when I first submitted my LES ) or XXXX ( when I submitted my LES the second time ) or if during any of my conversations with Mrs. XXXX or Mrs. XXXX, then I would not have had an issue. But to wait two days prior to closing to divulge this information and then attempt to cover up the mistake is such a disservice and injustice to all involved especially from a company that prides themselves on being FOR the military. Lastly, I told her that I felt as if I was being discriminated against as a service member who is about to become a veteran. Navy Federal Credit Union is fully aware that all military retirees will receive monthly retirement pay as well as XXXX compensation. I know they are aware of these factors because Mrs. XXXX, Mrs. XXXX, Mrs. XXXX and others all attempted to utilize a military retirement calculator to determine my retirement pay as well as asked me if I had a claim pending with the VA for XXXX. Those two items were to be used to calculate my income pass the closing date per each of these ladies. I did advise that I could not speak on specific amounts because I am not close enough to retirement to have factual data for either of those pays. I also did tell them that I am actively looking for work but because I am not close enough to retirement, I am not being considered for employment just yet. Mrs. XXXX advised me that I would soon receive a declination letter electronically. She also stated that she would be submitting a request to have all of the funds we paid into this process returned. XXXX XX/XX/XXXX, Mrs. XXXX contacted me via email to let me know that the {$500.00} paid for the appraisal was refunded to my savings account. She also asked if could resubmit all the receipts from the inspections and XXXX deposit. Those items were sent within a few hours. XXXX XX/XX/XXXX, I reached out to Mrs. XXXX via email requesting a status. She responded that the letter still had not been generated and she was still waiting on an answer for the refunds. Later that afternoon, XXXX XXXX called me to introduce himself. He stated that he was XXXX XXXX Manager, she no longer works with Navy Federal, and if I needed assistance with anything to feel free to give him a call on his personal cell phone, which was the number he was calling me from. XXXX XX/XX/XXXX, declination letter was received via email. I am refusing to sign because the items listed for the disapproval are not the reason ( s ) I was truly disapproved. Additionally, I have not received any further communication regarding refunds of the fees paid. | ||||||
| 02/10/2019 | Yes |
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Web | Servicemember |
| I believe my bank, Navy Federal may be in violation of Regulation X, Real Estate Settlement Procedures Act and other LRR. I recently purchased a home through Navy Federal, beside their processes clearly being broken, i.e., pulling my credit when applying for the loan with delays in getting back to me as far as any approval or next steps. Not sure if this falls under Regulation Z, Truth In Lending Act. At any rate I believe a thorough investigation is needed to ensure that the bank if adhering to Laws, Rules and Regulations ( LRR ). I suspect I am not the only customer that is or has experience this, but I am aware that the CFPB investigates this types of discrepancies. Background : I applied for a new mortgage loan with Navy Federal in XX/XX/XXXX, delays transpired with a representative contacting me although they were happy to charge me for pulling my credit. Against, better judgment I decided to switch my lender to process my loan to Navy Federal, I informed them that I wanted a close date of XX/XX/XXXX. They ensured me that this is possible as it was greater than 30 days. Fast forward to what I believe to be a violation, Reg X my initial closing disclosure was sent at the end of business XX/XX/XXXX for a closing on XX/XX/XXXX. As soon as I got the document I saw many huge errors, which raised concerns as the bank does closing disclosures all the time, I understand if the title company fees may be overstated as they are still working them out, but what I can not understand is the bank gun decking and not accurately reporting terms from the sale contract between myself and the seller. It took me less than 15 minutes to see the huge errors. I informed Navy Federal of this, they did not send an updated closing disclosure until end of business XX/XX/XXXX. These numbers were still incorrect and again took me minutes to see. I contacted the bank no one could explain the closing disclosure to me. My closing had already been set for XX/XX/XXXX at XXXX. So basically I was going into closing knowing that my bank had performed no due diligence on the closing disclosure which does not take long to execute. All the bank did was try to place blame on the title company, I am familiar with the process and understand the title company numbers are driven by the bank with the exception of the title companies fees, that being said why is Navy Federal conducted business in an unethical manner? Why are they lying to customers and why are they allowed to gun deck closing disclosure which I thought were to provide transparency in the mortgage process to the customer? The manner in which Navy Federal conducted business is the same that causes the mortgage crash in XX/XX/XXXX. Navy Federal behavior led me to sitting in closing for over 5 hours because they elected not to adhere to LRR. Even after this was pointed out to them, they took their sweet time. At the closing we ( attorney, agent and myself ) had to continue to call and email the bank to see how they were correcting their numbers. It is like the bank had four days to get me an accurate closing disclosure. Why is Navy Federal allowed 4 days and other banks must provide it in 3 days? If the point of the closing disclosure is to provide borrowers with pertinent and timely disclosures regarding the nature and costs of the real estate settlement process. I do not believe that I was provided with pertinent and timely disclosures for the cost relating to my transaction. Navy Federal Closing Disclosures did not include all monies received by the borrower which proof was provided with enough time for the bank to have this properly documented. The title owner premium was spelled out in the contract as the seller fees, NF charged this to me on the CD. The seller was provided 3 % closing cost, NF elected to modify this without my approval or knowledge. I was not informed that a bank could modify the terms of a sales contract. I do understand that fees could be overstated ( title company ) but I was under the belief that the final closing disclosure should be relatively close, my was not. I have been in closing and small changes made which took minutes. Navy Federal mishaps should have never occurred these were on the bank, they gun deck the closing disclosure absolutely no due diligence. I was charged twice for an appraisal, one which was authorized during the process and another NOT authorized charged after closing on XX/XX/XXXX. I am not sure if this falls under Reg X, but I am believe this is or should be a violation as well. One of the issues that was pointed out in XX/XX/XXXX that it may be a surplus, in XX/XX/XXXX the bank stated that the surplus would go to principal payment. Even after I sat in closing for over 5 hours, Navy Federal overstated my principal payment to the credit bureaus, while not Reg X, I believe it is a LRR for this as well just unsure and do not have the bandwidth to find which LRR it falls under. How is this bank allowed to do the aforesaid? I am fortunate to understand the process somewhat but most customers have no idea when their bank are not adhering LRR. This is not the manner any bank should function, I do not want any customer to have to experience the stress and any loss of money because Navy Federal believes that adhering to LRR is optional! My stress is not over as the bank is still not corrected the principal balance, it was on the updated closing disclosure how many screw ups are the banks allowed. Why am I the customer having to keep inspecting their work? At this rate I should be paid partial salary for hours spend on work that Navy Federal was supposed to do, they are not my employer. Note : loss of money was due to sitting in closing for 5 hours while my movers had to wait around until Navy Federal corrected the closing disclosure. I did contact the bank and detail how they failed see below, message to Navy Federal. I am very dissatisfied with the service Navy Federal provided, this loan ended the same way it started with issues and poor customer service. When I applied for the loan Navy Federal failed to reach out to move forward. When I was finally contacted XXXX was very rude and she hung up on me just because I asked her to repeat herself. Then an associate who stayed she was her boss called XXXX, we got through a lot of her questions we got disconnected I called back even left a voicemail but never heard from her. I had to contact Navy fed again since I was charged for credit pull and didn't receive any services for the pull. Finally XXXX XXXX reached out and expressed they were sorry for the events transpired. She stated Navy Federal wanted my business and would do what they could to turn things around as this is not how Navy Federal conduct business. Perhaps this is my fault for believing Navy Federal would provide me a good experience after dropping the ball and I shouldve stayed with my initial lender XXXX XXXX. I was still afraid to switch and even during the process navy federal wasn't organized and didn't communicate well either. 1. From an organization perspective I the borrower had to initially stalk Navy Federal after the fees for credit pull was taking to get a status and to move the application along even with me asking for a rush. 2. Documents were constantly being requested that were previously sent which caused delays in processing. 3. Documents were being requested in one offs that are part of a process i.e., master condo policies COI etc. These were nothing specific to me as a buyer but as the banks process for Condos, so all documents should been have asked for up front same as the initial W2, tax documents. 4. The personnel that were processing the loan rarely acknowledge receipt of requested documents from buyer or agent office. 5. The condo questionnaire that was requested with less than a two day turnaround was sent them it sat on someone desk, no out of office reply alerting the agent office to contact someone else to keep the loan moving. 6. The asking for incorrect document needed again is like the bank had no clue on what is required for an internal process, creating more delays as everyone ( myself and agent office ) was very responsive with all request even those duplicated. 7. The initial cd was gun decked NO DUE DILIGENCE at all, I guess associates are more concerned about getting home than doing things correctly, as I got this at the end of business day. Then me as the borrower with 15min saw huge mistakes that took still took Navy Federal forever to correct. How can a borrower find errors quickly but associates that do this task day end and day out send one with so many errors? 8. The final disclosure was also incorrect AGAIN NO DUE DILIGENCE and sent at the very end of the work day 4:30 CST. No one could answer any questions to explain the CD to me. Then the blame game started with Navy Federal trying to put the items I had questions on to the title company. This is not my first closing, this is however the first time a lender was not able to answer my questions on the CD. 9. The day of closing the CD is still incorrect hold up my entire closing and the root cause goes back to the initial problem poor customer service. I sat in closing for over 5 hours, approximately 8:25-1:25 and all the documents were signed before 9am except for the closing disclosure. We ( lawyer, agent and myself ) contacted Navy Federal immediately when the title company alerted us that Navy Federal was unwilling to make the changes needed. I made contact with XXXX as he and XXXX were the associates that indicated that surplus would be appropriated to the loan amount. He answered his phone initially and we ( lawyer, agent and myself ) had to keep stalking/calling Navy Federal to see whats going on. I heard from XXXX but as hours went passed I heard nothing from Navy Federal. When XXXX finally responded I finally hears back it was over 3 hours later after numerous emails and calls to the bank. I literally had to stalk Navy Federal which is exactly how my loan started. No apologies no update to keep me in the loop. The only updates I got was from the title company on all the bizarre changes Navy Federal was trying to do. It is beyond my comprehension how the bank would change who pays the title owner premium as it is outlined in the contract. It is clear it is paid by the seller. In addition to the bank modifying number, they reduced the seller credit to me, again this is in the contract. It was identified in the beginning ( XX/XX/XXXX) that it looks like there will be overage and in that event that occurred the remaining amount would be applied to the principal. This was stated in the very beginning XX/XX/XXXX and reiterated on XX/XX/XXXX in writing I have an email. As a customer I can not understand how my bank would do something like this to any customer and not even feel compelled to ever reach out and say something. The only time in over 4 hours I heard from the bank was when my agent or I called. Navy Federal mistake should not have been passed down to me and it also cost me money. Since Navy Federal decided to gun deck my loan, I had to pay those extra hours my movers while I was stuck in closing. This was a quick fix. Move the title owners premium to the seller side as stated in the executed contract and update the seller credit back to the contract on the CD. Navy Federal credits could have simply been completed on Navy Federal after closing. These are just a high level overview that capture some of the mishaps that occurred as I do not have the time to document them all since there were so many! Sending a CD should not be at the end of business day especially when it is already late. A CD should not take 3 days and on the 4th day my closing still be incorrect. I understand minor changes as I have seen them at previous closing but they were all resolved in minutes. I still regret choosing Navy Federal over XXXX, this was horrible experience and I would not wish this on anyone. Navy Federal has been my primary bank for years, it is apparent that I need to change that. I am beyond upset at how I was treated. Navy Federal personnel I had interactions with during this loan, the behind the scene associates I do not know but as a group Navy Federal failed me big time and cost me more money as my movers were by the hour and Navy Federal took 4.5 of them minus the .5 that we actually signed documents. Note : XXXX was the only person to apologize although it was literally after sitting in the closing for over 4 hours, it was nice to hear someone say Navy Federal was at fault. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( do not have last name ) but he is the associate that kept telling the title company he didnt know how to do task. XXXX ( She was XXXX fill in person on Thursday as he was not there when the final CD was provided ). XXXX XXXX XXXX XXXX manager I believe XXXX. | ||||||
| 08/08/2019 | Yes |
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Web | Servicemember |
| I apologize in advance because this complaint is years in the making. I will do my best to give you as much detail as possible but please understand that because this has been going on for 4 1/2 years I can't give you specific dates on everything. Let me start out by saying I am a XXXX military veteran. Part of my XXXX is XXXX problems. I don't say this to garner sympathy, but to inform you that I did serve my country proudly and am hurt by how I'm being treated by my credit union who I thought was supposed to help me. Many years ago while I was still on XXXX XXXX, I bought a XXXX XXXX XXXX XXXX. I bought it from a dealer named XXXX XXXX XXXX XXXX on XX/XX/XXXX. Everything went well because I already was approved for a loan through Navy Federal Credit Union. Everything went well until I went to the XXXX DMV in NY the next day to try and register the vehicle. The DMV told me they couldn't register the vehicle under my name because I didn't have a title. After I found out about this, I called Navy Federal to find out if they had the tile so I can register the vehicle under my name. Navy Federal told me they didn't. I then tried calling the dealer I bought the car from but I never once received an answer. Because I was XXXX XXXX, I was not able to follow up on this for about a week but once I did that's when things hit the fan. When I get my next off-duty days, I go back to the dealer I bought the vehicle from. The dealer was nowhere to be found. I mean the entire dealership and not just the salesman. The entire lot was empty and it looked like a ghost town. At this point I am stressing out and I am wondering what's going on. I call Navy Federal and I ask them if they ever received the title for this vehicle to which they told me no. Now I have a vehicle that is not under my name, and that I won't be able to drive because the license plate is temporary. I couldn't even insure the vehicle. I then head to the XXXX XXXX Police Department to begin an investigation and truth be told no one wants to help me out. I seemed like a nuisance to them and nothing ever really got done. Because I was getting nowhere, I called Navy Federal Credit Union and ask what can I do to have this loan undone because I now had a vehicle that I could n't drive, couldn't register under my name, and whose title was nowhere to be found. In their own words they essentially tell me, too bad so sad. Over the next few weeks I talk to Navy Federal at least 2 more times wondering how I can get out of this loan but they didn't help me at all and told me I'm going to have to pay for the loan no matter what because they lent me the money. From that point I stopped driving the vehicle because it wasn't registered to me and I couldn't register it without the title. Navy Federal never obtained the title so I was not going to drive a vehicle that was not mine and had no tags. Furthermore, if I got into an accident, I didn't want to be liable for damages since I couldn't even insure the vehicle. Because of this, the vehicle was literally parked in the yard at my residence for three years. Throughout all those years I paid on the loan to Navy Federal because I didn't know what to do and Navy Federal never helped me with anything. XXXX came and I was going to be moving to California as I was no longer in the service and wouldn't have a home. I didn't know what to do with the vehicle that I could n't drive so I made a last ditch effort and headed to the XXXX Police Station and see if there was anything more that could be done. Thankfully, the police officer helping me at that station was a good officer. He did a real investigation and found out that the vehicle I purchased was a stolen vehicle. He even found out who the prior owner was. The police called the previous owner and asked if they still wanted the vehicle. The previous owner told them no. Once the police department deemed the vehicle no longer needed to be registered as stolen, they removed the stolen status of the vehicle and made it so I could finally register the vehicle under my name. This was either in XXXX or XXXX of XXXX. I started the process but unfortunately it was too late for me to be able to obtain the tile anymore as my departure for California had arrived. I was forced to leave the vehicle with a friend named XXXX as I could not risk driving it across the country with 3 year old tags, no insurance, and no registration. Keep in mind at this point I have already paid 3 1/2 years for a vehicle that was stolen and has never been legally mine. Once I got to California, I eventually ended up getting the title to my vehicle. I start making plans to register the vehicle in my name, insure the vehicle, and pick it up from XXXX. However, the same time I got my registration sent to me by mail, my friend XXXX calls me and tells me my vehicle has been stolen. It feels like it happened the exact same time. I call Navy Federal to tell them what happened but as they told me before many years prior, too bad so sad. You have to pay for this vehicle loan. Even after all this I continued to make payments faithfully until about 2 months ago. Truth be told, I can no longer afford it. Because I feel like I've been taken advantage of, and because nobody else would help me, I finally reached a company that had a good reputation from all the reviews I've seen. I told this company about my situation and they were very honest with me in telling me they are unsure if they could help me but that they would attempt to assist me If I chose to enlist them in their aid. They said I would be their guinea pig since they had handled cases that resembled my problem but not one specifically like it. I agreed since they were the only ones willing to help me and they seemed honest so I decided to let them get involved. Well I thought I had a hard time with Navy Federal but these guys had it worse. My representatives by the name of XXXX XXXX XXXX started calling Navy Federal and sending power of attorney by mail. After a month they received no response of any kind by Navy Federal. I go back to XXXX XXXX XXXX office on XX/XX/XXXX and they call Navy Federal in front of me. In that conversation, representatives from navy Federal don't seem like they know what they are doing. They are asking my representative questions like, " what department do you want to send the power of attorney to '' and " what account are you sending the power of attorney for? '' After letting them know he wants Navy Federal as a whole to have the power of attorney on file and not just one department they finally end up giving him a fax number of XXXX. They also give him an address of XXXX power of attorney XXXX XXXX XXXX XXXX Fl XXXX. My representative re-mails the poa and faxes the poa to them on the XXXX of XXXX. By the XXXX of XXXX, he receives another call from a representative asking him the same question as before, " what department do you want to send this to? '' Please keep in mind that my representative has been trying to forward them power of attorney since XX/XX/XXXX in order to begin discussing the situation to him and he is still receiving these ridiculous questions and I am still waiting for progress to be made. He finally tells the representative that he is surprised a large organization such as Navy Federal is having trouble figuring out what they are supposed to be doing with a power of attorney especially since they have the conversation with him as well as his intentions recorded and noted down. By XX/XX/XXXX, I came back to XXXX XXXX XXXX to get another update as to what's going on. We call Navy Federal Credit Union together again and this is when all XXXX broke loose. We were on the phone for over 50 minutes. We were transferred and put on hold numerous times. They were trying to find out if they even had authorization to speak with him. My representative informed them how he had been forwarding power of attorney numerous times and now was starting to understand why he was reached for assistance by me. Finally a Navy Federal employee informed him that they did receive the power of attorney and it was accepted, but that the employee couldn't see it in her system. She was going to reach out to another department to figure out what's going on. When she came back she was asking for more time to " activate '' the Power of Attorney. I was getting visibly upset so my representative pressed on and informed Navy Federal that we needed to speak to someone now or I would file this very complaint I am now filing. He was not going to accept that Navy Federal noted they received POA and accepted POA but that they needed more time because they were having IT issues. After the 25 minute mark, we reached another representative in the collections department. Miss XXXX is the representative in the collections department. Once he reached her he began describing the situation from the very beginning. The beginning being me being sold a stolen vehicle from a shady auto dealership. He described the situation of everything that I went through in not being able to register my vehicle because I didn't have the tile and nor did Navy Federal. He described how when I reached out to Navy Federal for help I was basically told I had to pay for the loan no matter what happened. He described how here I am 4 1/2 years later and thousands of dollars poorer for a loan that should have never been allowed to continue. He then begins asking several questions about when the loan originated, when title was received by Navy Federal, and several others. Miss XXXX begins telling him that she doesn't know the answer to most of these but offered to settle the debt and send us to the settlement department. We were then put on hold again. When Miss XXXX comes back, she confirms to us that title for this vehicle was not obtained until XX/XX/XXXX! This is 3 1/2 years after the loan originated. My representative asked her straight up " Do you see a problem there? '' Miss XXXX said " I do, I do see a problem there. '' She then said the loan was transferred to a signature loan. My representative then begins asking more questions and Miss XXXX continues to answer several of them with I don't know. She also kept saying on numerous occasions that she doesn't feel like she was very helpful. Finally when the conversation is almost over Miss XXXX turns on her collector mode switch and the conversation begins to turn sour. She asks my rep if I had kept in touch with Navy Federal about the situation. Obviously I did and he tells her as such but then she begins quoting the number of calls I've made to them supposedly. She lists 3 calls I've made since XXXX and then says that's all the calls I've made and not once did I tell them about the stolen vehicle. She then begins to attempt to establish that I never told them this vehicle was stolen but my representative was not having it. He tells her its highly unlikely I've only spoken to them only 3 times since there was communication at the beginning of the loan. Finally she clarifies that I only spoke to collection 3 times. My representative then says he understood I only spoke with collections 3 times but that Navy Federal as a whole had received numerous calls from me. Again she said she didn't know anything about that and then began to get really aggressive. She informed my representative that she was going to terminate the call because she didn't feel comfortable that my representative was asking her questions she didn't know the answer to. She then began raising her voice and interjecting and speaking over my representative. Finally my representative terminated the call himself as she was being belligerent and he was not going to get anywhere from that point on. I am filing this complaint because I don't know what else to do. I have been paying for a vehicle that I have never been able to claim as my own since the very beginning. This is not an I wrecked my car and don't want to pay for it anymore or my car broke down and its too expensive to fix so I don't want to pay for it anymore type of claim. This is literally an I never owned my car from day 1 and have been paying for the vehicle for 4 1/2 years without being able to use it. This is a my credit union funded a loan and never unwound the loan or got their money back once they found out I couldn't get title or register the vehicle, insure the vehicle, or transfer it under my name with them as the lienholder. This is an I asked my credit union for help and have been met with a cold shoulder and asked to pay a loan when they know I was ripped off from the beginning complaint. | ||||||
| 02/06/2022 | Yes |
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| XXXX XXXX XXXX XXXX, XXXX. Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama [ XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX TESTIMONY IN THE FORM OF AN AFFIDAVIT OF FACT Consumer Enforcement as Administrative Counter-Claim by Private Right of Action Re : Account number XXXX XXXX XXXX 8621 Notice, it is a Fact, I AM a federally protected consumer/natural person and holder in due course pursuant to 16 CFR 433.1, 15 U.S. Code 1692a ( 3 ), UCC 1-201 ( 11 ), and UCC 3-306. Notice, it is a Fact, in accordance with 16 C.F.R. 433.3 Navy Federal is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as the affiant, may invoke his rights as the debtor in this consumer credit contract against Navy Federal for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX, is exempt from 16 C.F.R. 433.3. Notice, it is a Fact, I AM aware, Navy Federal can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 CFR 1026.13d ( XXXX ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( XXXX ) for failure to comply with any of the requirements of this section. Notice, it is a Fact, the account in question was opened in XX/XX/XXXX, with, Navy Federal, using my personal identification and credit card information as defined in 15 U.S.C. 1602 ( l ). Notice, it is a Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. Notice, it is a Fact, since opening the account in question in XXXX of XXXX, I have paid a monthly bill to Navy Federal, online, using my personal debit card information. Notice, it is a Fact, according to 15 U.S. Code 1692 Congressional findings and declaration of purpose ( a ) ABUSIVE PRACTICES There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Notice, it is a Fact, on the remittance statement for the month of XX/XX/XXXX, I made a qualified endorsement on the back of the instrument and tendered it for payment. ( See Exhibit A ) Notice, it is a Fact, the instrument was received and processed for the minimum payment due, not for the amount specified in the box for Amount Enclosed. Navy Federal is in violation of an adverse action according to 15 U.S. Code 1681a ( k ) ( XXXX ) ( iv ) ( XXXX ). Notice, it is a Fact, I tendered payment the same way for the month of XX/XX/XXXX, sent by certified mail. ( See Exhibit B ) Notice, it is a Fact, when I called to check to see if the instrument had made it to the processing department, the woman I spoke with in the credit card department said they never received the instrument. A couple of days later, Navy Federal froze my account. I could not access my credit card account until I made a payment from me checking account. ( See Exhibit C ) Navy Federal is in violation of an adverse action according to 15 U.S. Code 1681a ( k ) ( 1 ) ( iv ) ( II ). Notice, it is a Fact, I made three copies of the remittance statement for the month of XX/XX/XXXX, that was sent by certified mail. I mailed a copy to the processing center, the CFO, and the registered agent in Alabama. ( See Exhibit D ) Notice, it is a Fact, Navy Federal is in violation of the Stamp Duties Act because I included a stamp on the instrument, making me the postmaster of the instrument. ( See Exhibit D ) Notice, it is a Fact, I received all three Domestic Return Receipts showing each copy was delivered to its intended recipients. ( See Exhibits E, F, and G ) Notice, it is a Fact, on XX/XX/XXXX, the due date, I called to see if the processing center had received the instrument mailed to them. The man I spoke with said they had not. A few days after the XXXX, Navy Federal once again froze my account. The credit card account is still froze. ( See Exhibit H ). Notice, it is a Fact, in XXXX, the CFPB Orders Navy Federal Credit Union to Pay {$28.00} Million for Improper Debt Collection Actions. Credit Union Used False Threats to Collect Debts and Placed Unfair Restrictions on Account Access. ( See Exhibit I ) Notice, it is a Fact, I included a copy of the CFPBs judgment against Navy Federal with each of the instruments mailed to the processing center, the CFO, and the registered agent, letting them know I AM aware of their unfair debt collection practices. Navy Federal still froze my account. Notice, it is a Fact, Navy Federal Credit Union is still violating the Consent Order issued by the CFPB filed on XX/XX/XXXX. Notice, it is a Fact, Navy Federal Credit Union is still illegally freezing members access to their accounts. Notice, it is a Fact, affiant has reason to believe and does so believe, Navy Federal has been participating in racketeering activity as defined in 18 U.S. Code 1961, by knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making the affiant believe that dividends were an invoice for a line of credit, which is embezzlement, theft by deception and extortion. Notice, it is a Fact, affiant has reason to believe and does so believe, Navy Federal is in violation of 18 U.S. Code 1341 by knowingly participating in fraud through the US Mail. Notice, it is a Fact, affiant has reason to believe and does so believe, Navy Federal is in violation of 15 U.S. Code 1692e ( 2 ) ( a ). I could not legally define this symbol, . The amount on the statement is positive amount. How can I pay on a positive amount? Notice, it is a Fact, affiant has reason to believe and does so believe, as a federally protected consumer, I do not owe the alleged debt. Notice, it is a Fact, affiant has reason to believe and does so believe that all past, present, and future billing statements received from Navy Federal are billing errors under 12 CFR 1026.13 ( a ), beginning with the date the account was opened, XX/XX/XXXX. Notice, it is a Fact, I AM aware, with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on all past, present, and future amounts in dispute pursuant to Title 15 U.S. Code 1666 ( e ). Notice, it is a Fact, Navy Federal shall follow the following procedures as defined pursuant 12 CFR 1026.13 ( e ) : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX of XXXX, current, and future payments. Notice, it is a Fact, when a financial institution extends credit, for a credit card or a mortgage, it is the costumers credit, not theirs. Financial institutions do not loan their customers ' deposits, or their institutions reserves. Instead, they record the customers credit as a financial institutions liability on the private side of the ledger ( which is hidden ), and as a financial institutions asset on the public side of the ledger ( which is visible ). Notice, it is a Fact, the customer 's signature on a promissory note is what creates the credit by providing commercial energy. The financial institution issues the line of credit in exchange for the customer 's valuable promissory note. The promissory note represents the commercial energy of a living man or woman, which is an asset to the financial institution, and to the market. Notice, it is a Fact, A promissory note is an asset created by a man/woman, and this asset can be sold and traded. Notice, it is a Fact, the costumers promissory note is really a security purchased by the financial institution, which then has an accounts payable liability that it pretends is a loan. The costumer is the creditor. The financial institution is the debtor. Notice, it is a Fact, On the credit card application, the costumers signature transfers his/her intellectual property to the financial institution, so that the note can be securitized and hypothecated on the market. The costumers property includes his/her power of attorney, which is also surrendered, allowing the financial institution to access, and trade on, the Birth Certificate Security Bond issued when he/she was born. The Birth Certificate Bond is issued in the NAME of an Estate Trust. Notice, it is a Fact, A living man or woman is a Grantor/Beneficiary/Heir/Agent/Executor to the NAME Estate Trust. But when he/she surrender his/her power of attorney they lose their living standing, becoming liable as a Trustee/Debtor for the NAME Estate Trust, which is surety for the corporate National Debt. The financial institution can now access the Birth Certificate Security Bond. No one signs for the financial institution because it is a Trust agreement, not a contract. Notice, it is a Fact, financial institutions do not use Generally Accepted Accounting Principles ( GAAP ), the standard framework of guidelines for financial accounting. Instead, financial institutions use a double entry system that accounts for both creditor assets, and debtor liabilities. Notice, it is a Fact, when we look at both sides of the ledger, we can see that men and women are creditors, not debtors. The costumer loans the financial institution his/her credit, and they multiply it in several ways. Financial institutions really do extend credit, but it's the costumers credit that is extended for the financial institutions benefit. The costumer is shown only the side of the ledger that records him/her as a debtor, while the side of the ledger that records him/her as a creditor is hidden. Notice, it is a Fact, On the financial institutions asset side of the ledger, publicly visible, showing accounts receivable, the costumer is the debtor, and the financial institution is the creditor, while on the financial institutions liability side of the ledger, privately hidden, showing accounts payable, the costumer is the creditor, and the financial institution is the debtor. Notice, it is a Fact, A presentment is a written demand for payment, or for a performance. Presentments addressed to the artificial legal person NAME, are often in all-capital-letters and/or with a fictional title such as Mr. or Mrs.. They are not addressed to a living man or woman. Notice, it is a Fact, in the United States Styles Manual it says that a name in ALL CAPITAL LETTERS is either an acronym, the name of a corporation, or the name of a trust. Notice, it is a Fact, as a living man, I AM the rightful controlling Agent, Beneficiary, Executor for XXXX XXXX XXXX, TRUST. I AM not the liable Trustee. Notice, it is a Fact, when I filled out the credit card application with Navy Federal Credit Union, I had to provide my personal/private data, which included my Social Security Account Number. The Social Security XXXXrust Account Number gave Navy Federal Credit Union access to the Trust account, making them the Trustee with a fiduciary obligation to me as the Beneficiary. Notice, it is a Fact, financial institutions are prohibited from loaning money or credit according to 12 CFR Part 1026 - TRUTH IN LENDING ( REGULATION Z ) Notice, it is a Fact, financial institutions can not loan other depositors money because of the matching principle under GAAP. Notice, it is a Fact, financial institutions can not loan out nor risk any of their own assets because of Federal Reserve regulations. Notice, it is a Fact, in order to accept a credit application or promissory note, financial institutions must convert the costumers note into a check and give it back to him/her. Only they can do this because they have a monopoly on Negotiable Instruments. Notice, it is a Fact, the funding for a credit card comes from the costumers agreement to open the card. The costumers initial promise to pay, is the payment. It is a Promissory Note/Negotiable Instrument. I declare under penalty of perjury without the United States ( 28 U.S.C 1746 ) that the Above is the Truth, The Whole Truth and Nothing but the Truth to the best of my knowledge and Overstanding. | ||||||
| 05/14/2019 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX XXXX [ XXXX, GA XXXX XX/XX/XXXX Fraud Department Navy Federal Credit Union ( NFCU ) XXXX XXXX XXXX XXXX VA XXXX Dear Fraud Department : I am writing to appeal the decision to not allow me to have a debit card for my accounts. I did one Via Secure Messenger however, I am trying to allow NFCU to do the right thing in this situation. On Wednesday, XX/XX/XXXX that my debit card for my account was no longer usable for a year. This didnt phase me because I had already made it known that the account should be closed. So on XX/XX/XXXX I called NFCU and spoke with a customer service department. After asking about when my account would be closed? I was told that day XXXX, XXXX XXXX. 1st lie. I then brought up the letter about my debit card I asked to make sure everything else was okay with the other debit cards. She checked at told me it was only for the card to the account I was closing. We talked a few minutes about ID THEFT because we both had been through this issue, Although she admitted my situation was far worse. I asked again to make sure all my other cards were working and safe to be used from their end. She assured me again checking other accounts that it was a block for only that card. After that, she told me they send those letters out when someone is closing an account after only having it opened a short time. I told her I understood that but, that with the fraudulent charges on that account it was what NFCU recommended that I do. She told me that would be the way to deal with it. As she was looking up my account she saw that I had been issued 15 debit cards to 4 accounts. I told her yes it was because every single time I opened a new account it would have fraud issues. I told her I had spoken with all three credit unions, The FTC, State and Local law enforcement, XXXX and USPS, and The Social Security Administration. I explained XXXX had done a deep web search and found out all my information was out there for people to buy or sell. That was the reason my accounts were hacked they had my social security number. I told her when I was well enough to go into public places I would be applying for a New SSN. She told me that she would do the same. She then asked if my illness was ongoing I told her that I have been battling XXXX XXXX, XXXX, XXXX, and XXXX XXXX for about 7 years. That I was immune compromised so going into public places was always a high risk for me. She told me she hoped that the doctors would find answers. I said thats why Im asking to make sure my other debit card would work. She told me emphatically YES. So If you lost count that was four times in that conversation alone that I was told that my debit card would be just fine. Later that same day XX/XX/XXXX around XXXX XXXX I tried to purchase some OTC medication on XXXX and my card wouldnt work. I called NFCU again and spoke with a man who worked in the Fraud department what was going on with my debit card. He told me after looking at my account that everything was fine that my debit card was not blocked in any way. He said it was probably a glitch in the system. I asked if he was absolutely sure after I told him about the letter he assured me that the letter was strictly for the account I was closing. So I asked when the system glitch would be over. He said to give it an hour or so. I waited until around XXXX XXXX to try buying my medications on XXXX again and again my card was denied. So then I went to another website and tried my card on that site. Again my card was denied. At this point I was frustrated. I called NFCU again at around XXXX XXXX and was transferred to the fraud department again. I told them the glitch was still going on or there was something wrong with my card. This time I was told that my debit card to my new personal account had been canceled and I would no longer be able to have a single account card until XX/XX/XXXX. I asked why and was given the reason that I was in breach of my debit card agreement. Knowing this was not true I pulled out my agreement and read through each of the sections over the phone. When we got to number 10 it said they could cancel my cards at any time for any reason without telling me first. However, two other rules stated that NFCU will alert a member if there is a problem with their account. Since I had called in twice previously this was absolutely not okay with me. The man then told me to call back the next day and speak to a supervisor. I asked him why couldnt I just talk to one now since I was away from home getting treatment at the XXXX XXXX in Florida. He said they were busy. I could tell this conversation was going nowhere so I agreed to call back the next day. So to quickly summarize XX/XX/XXXX I was told my new debit card was fine and would continue to work six times. Then I was told that all cards in my name had been canceled until XX/XX/XXXX. I was told I couldnt speak to a supervisor given the reason they were canceled made NO sense at all. This was causing a lot of stress when I already told NFCU I had major XXXX issues. These problems were keeping me from being able to do the things I needed to do like pay for medications at XXXX, order new otc meds from XXXX, buy the other things I needed while away from home. My XXXX told me that I am not to be under stress. Being lied to six times and not being able to fix the problem was beyond stressful to the point it was hurting me physically. XX/XX/XXXX I called back since that is what I was told to do. I asked to speak to a Fraud department supervisor and I was told that none were in the office until Monday, XX/XX/XXXX. I told them I was told by a Fraud department worker to call back on the XXXX. The customer service rep. ask me what the problem was. I told her what had happened. She said she couldnt do anything about my account or debit card because it was already with the fraud department. I said fine does my debit card for my joint account with my husband work? She said yes and the only way NFCU could cancel it would be if my husband asked for me to be taken off the account since he was the primary owner. That the fraud department or NFCU didnt cancel debit cards to joint accounts unless the owner wanted it. If they did so it would be in breach of contract. So I thought that well at least I could try to do things using that card. It was not a good solution however, it would give me access to my money. So that day was a bust, for the most part, all that happened was the man on XX/XX/XXXX just wanted me off the line. Telling me to call on a Saturday when the Fraud department wasnt open. Finding out that the joint account card which I rarely touch because of how my family does banking would still be in use. So I have one working card better than nothing. Monday, XX/XX/XXXX I called NFCU bright and early at XXXX XXXX. I asked to speak with a Fraud department supervisor. I was told I would have to speak to a Fraud/Security team member first. Fine, So I was put on hold for seven minutes until a Fraud team member came on the line and asked me what my problem was. I explained about the debit card being closed without a reason as to why it was closed. I told them that I had been told 6 times that my card would not be closed and yet it was. I told the person that the only card I could use was to the joint account and that didnt work well for me. I was placed on a brief hold ( 16 minutes ) the rep came back on the line and said yes all cards had been canceled and the decision would not be reversed to just use the joint account. So I asked if the joint account card would work. I was again told unless my husband the main owner called and had the card canceled that they couldnt cancel that card because that would put NFCU in breach of contract. I said okay. I still wanted to speak to a supervisor about my account because I deserved an answer about why my other card had been canceled. So I was put on a brief hold again ( 8 minutes ) the rep came back and said the person I would need to talk to wasnt in and that they had no idea when the person would be in but I could leave a voicemail and they would call me back. So after being transferred which amounted to another ( 18-minute hold ), I was sent to a survey they do at the end of every call. I was very very very annoyed and called right back. This time I spoke with another fraud department rep. She transferred me to her boss almost instantly. After the supervisor, XXXX was looking over my accounts and the situation that was happening she said this that they canceled my card because I am only allowed to have six debit cards a year in my name. I couldnt have more than five fraud claims a year and I was considered a high-risk member. I thanked her for her honesty about why my card was canceled here though is where I ran into a problem. None of the reasons she gave me were stated anywhere in the debit card contract and every card was issued by the advice of an NFCU rep. That EVERY fraud claim I had filed had been found to be actually fraudulent by NFCU and that the policy written in the debit card contract said I was to be issued a new card for any fraud on my account. So the reasons contradicted their own policies. She agreed that I was 100 % right. She told me I could appeal the decision to include all my efforts to stop the fraud as well as any medical reasons why the decision was the wrong one. Until then I could get a prepaid card. I told her no that if I was getting prepaid it would not be through NFCU after all this. She also told me the joint account card would stay open per contractual agreement. So the XX/XX/XXXX calls were a little more productive at least in getting the reasons NFCU had canceled my card but not any solution to finding out how to fix my personal account debit card even though a fraud supervisor said that I had done NOTHING wrong. I was also told again my joint account card would be just fine. Lets remember my joint account card would remain open because closing it would be in breach of contract which was said to me five different times by 3 different people. XX/XX/XXXX I tried to use my joint account card and guess what it was denied. I called NFCU and talked to a Fraud supervisor named XXXX who told me that I would not be able to have cards with NFCU until XX/XX/XXXX. I told him I had been told numerous times by different people that they couldnt take that card away from me unless my husband requested it needless to say he hadnt requested it. Brain suggested I go into a local NFCU to get cash. I told him I was immune compromised and that wouldnt be a safe option for me. He said that he was sorry my appeal had been denied but there was nothing he could do about it. My claim was denied because I had 15 debit cards and had more than 7 fraudulent charges totaling over two thousand dollars. That it was a mathematical algorithm that decided I was to high a risk. I was so stressed, frustrated, and honestly angry. NONE of this was good for my XXXX. I, in fact, suffered a XXXX XXXX that very day. So to sum it all up I had spoken to 7 associates of NFCU that my joint account debit card would be fine due to contractual agreements. I had 4 fraud supervisors agree that none of the fraud and cards were my fault and that it was not written in any debit card agreement the number of cards a member could have. I spent well over 8 hours on the phone with different people over the last ten days to get nowhere because there is nothing anyone can do. So this letter is to reach out one last time to NFCU and then I will be moving on to the XXXX and Consumer Finical to get arbitration or court set up on this mess. NFCU has a code of ethics on its website for the world to see. 1. Act with the highest grade of integrity which requires honesty and being candid. ( I was lied to several times and given the rule around many times ). 2. Accept and recognize personal responsibility to build and maintain the NFCU name. ( The opposite is happening. ) 6. Use the Highest level of professionalism and courtesy. ( This didnt happen either ) After telling people how much I love NFCU I now am beyond mad to hurt by the way I have been treated. I have had undue XXXX XXXX and XXXX XXXXXXXX because of all that has happened. According to my lawyer suing for XXXX XXXX XXXX XXXX is something we can do. I am not that person by nature I want to give people and companies every possible chance to do the right thing first. So here is your chance NFCU please do the right thing. Sincerely, XXXX XXXX Member # XXXX | ||||||
| 07/08/2018 | Yes |
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| I write you today to provide with you with information regarding our recent experience with NFCUs loan department. Specifically the level of service we received from XXXX XXXX. After much research about what mortgage companies were available when purchasing our new home, we were excited to learn of the competitive terms that NFCU provided along with the pride in being presented with the opportunity to be a member since both of our Grandfathers served our country in the armed forces. XXXX XXXX was was our initial contact and she has been very helpful in providing loans estimates, monthly payment estimates, etc. She provided us with mortgage rate quotes in the mid 4 % s. The housing market in Colorado is very competitive, so we wrote up more than 5 contracts before we finally and successfully went under contract on our home. Once we had an executed contract, our file was assigned to XXXX XXXX. Our closing date was nearly 60 days as a result of the sellers moving date. We provided XXXX with the documentation for our file that she requested as timely as possible and items ( such as an insurance quote ) that couldnt be sent right away were explained and updates were sent to XXXX almost weekly about the status of the documentation and when to expect it. Our loan had a float lock built into it, which gave us the option to monitor interest rates and float down to a lower interest rate within 2 weeks of closing. Over the phone, XXXX said that NFCU would monitor interest rates and let us know should they decrease so we had the opportunity to lock at a lower interest rate. She also asked us to sign disclosures and intents to proceed with NFCU as our lender. In those disclosures, there was language that said that NFCU was no obligation to monitor or notify the borrower of any interest rate changes. I contacted XXXX to get explanation on this issue, because we were told one thing and the paperwork said another. She still said she would monitor the interest rates and let us know. I asked about how we, as the borrowers, could watch the rates ourselves and she directed us to the website, which showed an interest rate 8 percentage points lower than our current one. We asked again for clarification and no response. We were only provided interest rate upon inquiring about them and the float lock passed with radio silence from NFCU. Id go so far as to say we were LIED to about our float lock. Attached is the Fair Lending Compliance Best Practices for Federal Credit Unions. Youll see that the very first bullet under prohibited practices is : Fail to provide information or services or provide different information or services regarding any aspect of the lending process, including credit availability, application procedures, or lending standards. When the appraisal of our home, came up short, XXXX sent off a very curt email without sympathy or regard with what that meant for us. You may imagine how heartbreaking it is to get bad news like an appraisal short fall in email from without a phone call or options let alone a little sympathy. XXXX was a great resource for us to talk through our options, etc. We emailed XXXX about appealing the apprasial and she failed to send us the form required to do so, even after we asked if there was anything else she needed to process said appeal. After our agent contacted NFCU, XXXX finally sent over the required form to initiate that process. We initiated the appraisal appeal because the appraiser failed to include comparable and negotiated the sale price and worked with XXXX to adjust the downpayment on the loan in order for us to purchase the home. Fast forward 2 weeks to late XXXX. We hadnt received any response from XXXX or an update on the status of the file. We traveled over the week before XXXX XXXX and we were going to be out of service range so we sent an email to XXXX and XXXX as a courtesy. At the last minute, XXXX responded that she needed another bank statement from me. I sent it immediately. The last week of XXXX, I hadnt heard anything ( and it was a week before closing ), so I reached out to XXXX via telephone and she said that the file had been sent to closing and they didnt need anything from us. On Friday XX/XX/XXXX, the deadline for the closing disclosure to be sent, we contact XXXX and XXXX only to learn that XXXX was out of the office. Prior to her being out of the office, she didnt tell us who to contact in her absence. As someone who is also in the XXXX XXXX industry and thrives on clients and provided a good experience, I cant tell you how disappointed I am with how XXXX conducted herself, her level of communication ( or lack thereof ) and the fact that she blatantly put our file on the back burner knowing that we had a longer closing. That leaves us scrambling and neurotically checking our email for the final piece of our closing puzzle. How embarrassing does it look for us to not have this Disclosure in to the Title Company on time? When I sold my home at the end of XXXX we had a 28 day closing and their disclosure was in 10 days prior to closing. There is absolutely not excuse for how long this has taken. As a professional myself, had I conducted myself the way XXXX had, Id have been sued for my conduct if not fired. Here is a timeline of events : XX/XX/XXXX-Borrowers ( we ) become members of Navy Federal Credit Union XXXX-We go under contract on our home ( we expected to lock interest rates on this day and we do not believe this was the case ) XX/XX/XXXX-Receive an email from XXXX about the process and document delivery system XXXX-Appraisal was ordered XX/XX/XXXX-We are introduced to XXXX as our Loan Processor XX/XX/XXXX-XXXX sent us an email that she was reviewing our file. She contact me via telephone to discuss XXXX-Rosa sent us an email about signing the disclosures, additional documentation, etc in order to complete the file. XX/XX/XXXX-We sent the additional documentation via email and included a few questions that we had regarding how to monitor interest rates ( we never received clarification on our questions about interests rates ) XXXX-Additional documentation was sent to XXXX. In this email, I again asked how we can monitor rates? XX/XX/XXXX XXXX XXXX, Borrowers call XXXX, left a message, no return phone call XX/XX/XXXX-We emailed XXXX copies of the inspections and amendments to the contract. XXXX-She acknowledged this email and said we could monitor rates online, we checked and those rates were not accurate. ( the screen shot she sent showed a 4.291 % interest rate and we were locked at 5 % ). In this email, she also noted that there was plenty of time until closing XXXX-We emailed XXXX back because the interest rates online didnt seem to be accurate and we wanted to be able to monitor our own interest rate. XXXX never responded to this email. XXXX-Provided another update on the documentation and when the insurance quote was expected ( 30 days prior to closing ) XXXX-provided more documentation to XXXX via email as it became available XXXX-We emailed XXXX again asking for clarification on how we could monitor our interest rates. XXXX still failed to respond. XXXX-Rose sent email that appraisal came in lower than sales price XXXX-We emailed XXXX that we wanted to submit a request for reconsideration of value for our property and asked her to let us know if she needed anything in order to initiate that process. XX/XX/XXXX XXXX XX/XX/XXXX Borrowers called XXXX, Left a message, no return call XX/XX/XXXX XXXX, Borrowers calls XXXX to discuss XX/XX/XXXX-XXXX responds only after our agent intervenes and discusses with XXXX. XXXX sent a form that we were required to fill out. XXXX-We responded to this email with the attached form within 15 minutes of receiving it. XX/XX/XXXX-XXXX responds with an acknowledgement nearly an hour later on a terribly time-senstive issue. XX/XX/XXXX-We receive copy of new appraisal from XXXX XXXX- We send XXXX an email, please give us an update on interest rates because we didnt get an update last week. XX/XX/XXXX-we received response from XXXX that rates didnt change, emailed XXXX back asking about changing the downpayment XX/XX/XXXX-XXXX responses and said XXXX would provide those figures XX/XX/XXXX-emailed XXXX about insurance quotes XX/XX/XXXX-XXXX emails us the revised Loan Estimate document with the new sales price XX/XX/XXXX-Borrowers reach out to XXXX via telephone to discuss, ask if she needs anything further, she says no. XXXX-We email XXXX advising that we will be out of cell range over the weekend 5/21/2018-She acknowledges email XX/XX/XXXX-XXXX emails that she needs another bank statement XXXX-Borrowers email her needed statement XX/XX/XXXX-She acknowledges receipt XX/XX/XXXX-ONE WEEK PRIOR TO CLOSING, nothing from XXXX, called her to get status, she said they have everything and they are waiting for Closing Disclosure XX/XX/XXXX-emailed XXXX in the late afternoon, she responds she will have it by end of day or latest XXXX. She doesnt inform us she will be out of the office or who we should contact. XX/XX/XXXX-We contact XXXX via telephone and left message. Contacted XXXX and we were informed that XXXX is on vacation today and that the needed an additional statement XX/XX/XXXX- Emailed XXXX and XXXX that we need Closing disclosure today XXXX-emailed deb the statement, she acknowledged. XXXX-received automated email that the loan is ready to closeno explanation or phone call. XXXX-Borrowers called XXXX XXXX, no answer Borrowers called XXXX at XXXX, XXXX answered the phone XX/XX/XXXX -- ESTIMATED CD ( not the official copy ) was received at XXXX. Borrowers acknowledge it as that is required in order to close on time the following week. XX/XX/XXXX-XXXX Borrowers called XXXX , left her a message. XXXX did not return phone call XX/XX/XXXX XXXX Borrowers called XXXXdiscussed with her. XX/XX/XXXX-XXXXXXXX borrowers called XXXX office Busy signal, not able to leave message. called XXXX on cell phone and left XXXX a message on cell phone, no call back XX/XX/XXXX-XXXXXXXX, called XXXX and asked where the final numbers are. she indicated that they sent the numbers to the close department at XXXX ( she didnt indicate what time zone ) and they have an estimated 2 hour turn around time. Asked what they expect me to do in terms of getting a check for a closing tomorrow, she said the numbers would be ready later today. I asked how she can ensure that the wire got delivered and avoided answering that question. XXXX-the 2 hours timeline I was quoted passes, I wait another 30 mins to be reasonable and call XXXX at XXXX, went to voicemail, left message. call XXXX at XXXX, left a message. also sent status email at XXXX. XX/XX/XXXX-XXXX texts Borrowers that the CD was approved, responded that I still dont have the numbers to know what I need to bring to closing, she states that she doesnt either. then she texts the final number at XXXX. She follows up with an email XX/XX/XXXX XXXX, receive final numbers from loan processor XXXX recd email that loan package has been sent to title company XX/XX/XXXX-XXXX, confirmation that wire has been sent to title company XX/XX/XXXX-We closed on the home, Navy Federal didnt have the correct closing time and was asking for the signed documents hours before closing and then it took them an hour to review after we finally signed. XX/XX/XXXX XXXX-Borrowers emails XXXX supervisor, XXXX XXXX, in an attempt to resolve the poor experience and questions that were unanswered by XXXX and XXXX Throughout the process. XX/XX/XXXX-XXXX XXXX-XXXX Responds requesting phone call to discuss XX/XX/XXXX-XXXX XXXX. Borrowers respond to her email with times and dates I am available to discuss. XX/XX/XXXX-XXXX XXXX responds confirming phone call for XX/XX/XXXX at XXXX MST XX/XX/XXXX- Borrowers calls XXXX at XXXX , because XXXX didnt call at the agreed upon XXXX time. Phone call lasts 12 mins. XXXX is only interested in improving service for future customers. Explained that I appreciate her taking our feedback, but that doesnt change our experience. She wouldnt help us additionally in any way. She was very surprised that only and Estimated Closing Disclosure ( CD ) was sent. She explained our freedom lock, etc. Again, said there was not anything else she could do for us to make our experience right except take our feedback and make improvements and further educate XXXX. | ||||||
| 08/02/2022 | Yes |
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| On the afternoon of XX/XX/XXXX, I lost my debit card at a local gas station. That gas station was a XXXX I believe, & it was for {$11.00} ( posted on XX/XX/XXXX ). The following day on XX/XX/XXXX, I went to order something online & logged into the Navy Federal Banking app to check my balance. I noticed my balance was significantly lower than I remembered. At that time, there were XXXX charges that I did not recognize. The charges are as follows : XXXX XXXX XXXX - {$61.00} XXXX - {$13.00} XXXX XXXXXXXX - {$6.00} XXXX XXXX - {$8.00} XXXX XXXX XXXX - {$91.00} XXXX XXXX XXXX - {$76.00} Total fraud claim amount = {$240.00} Upon learning of the unauthorized charges, I froze my debit card ending in XXXX to prevent any further charges. Later that evening of XX/XX/XXXX, I printed Navy Federal 's " Statement of Forgery '' form. I filled it out & submitted my message to Navy Federal via their banking app ( at the point of submission, it was a little past midnight on XX/XX/XXXX ; the confirmation number for this particular message thread is # XXXX ). The message I sent to Navy Federal was as follows : ***There are 6 charges on my account that dont belong to me. The last time I used my card was XX/XX/XXXX at a gas station. I went to order something online today, checked my balance & noticed the balance was lower than expected. When I looked through my pending charges, I saw the 6 aforementioned charges detailed on the attached Statement of Forgery. I cant find my card anywhere. I do remember when I was at the gas station I had my purse sitting on the trunk of my car while I was at the pump. At one point, i accidentally knocked it over. Everything spilled out of my purse. I thought I grabbed everything but in hindsight, I was rushing. I am also missing a small notebook I keep in my purse that has my work & email login info & a lipgloss. So far, those are the only XXXX things I noticed missing from my purse. To make matters worse, I have it setup on my account to recieve notifications of transactions approved on my account. The last notification I received was for that gas station charge & I'm really upset because had I gotten notifications for the other charges that followed, I could've caught this sooner. Please see attached for more info*** Later in the day on XX/XX/XXXX, I followed up with Navy Federal via the messaging app & re-attached my completed Statement of Forgery form, as I did not see it attached to my original message. Said follow-up response with the re-attachment of my Statement of Forgey form was attached to the message chain with conf # # XXXX. I did not get a response from Navy Federal on XX/XX/XXXX. Additionally, on XX/XX/XXXX, I got several email notifications that someone was attempting to use the frozen debit card ending in XXXX. On the afternoon of XX/XX/XXXX, I called Navy Federal via phone & spoke to two of their reps. I explained what happened with my debit card. I explained that I submitted a message via the messaging app outlining my complaint. I explained also that I was calling to follow up on the complaint I had already submitted via the Navy Federal messaging app. The first rep ( I am assuming this rep was a female ) ordered a new debit card for me & expedited the process. She then transferred me to a second rep ( I am assuming this was a male ). I re-explained the scenario to him & was specific in saying that I was FOLLOWING UP on a claim that I ALREADY SUBMIITED on XX/XX/XXXX via the messaging app. I was under the impression he took what was in writing within the messaging app & escalated it. On XX/XX/XXXX, I got a response in the messaging app that one of the aforementioned charges, the charge for {$61.00}, was denied because Navy Federal " determined that no error has occured '' ( message conf # XXXX ). I then called Navy Federal via phone again. I spoke first to XXXX, who then transferred me to XXXX. XXXX & I were on the phone for quite some time ( the call lasted approx 52 minutes ). It was on this call I learned that there was a fraud claim created for me on XX/XX/XXXX in the amount of {$440.00}. XXXX broke down the charges included in that {$440.00} claim, & we determined that within that claim, at least 2 of the charges included were not actually supposed to be included. XXXX concluded this is why my claim was denied. I explained to XXXX that I never created that fraud claim for {$440.00}. The fraud claim I created was for {$240.00}, which I had also already submitted in writing PRIOR TO this {$440.00} claim being created on XX/XX/XXXX. XXXX explained that, when I called in on XX/XX/XXXX, the claim I had submitted via the messaging app on XX/XX/XXXX hadn't actually been created yet. The second rep I spoke to on XX/XX/XXXX is the XXXX who created the claim for {$440.00}. XXXX admitted that Navy Federal made a mistake in processing my claim. So XXXX & I walked through the charges that were supposed to be included in my fraud claim, & we came to an agreement that my claim amount was actually supposed to be for {$240.00}. While on the call with XXXX, I received a message via the messaging app ( message conf # XXXX ) asking for additional information if I wanted to pursue a second review of my claim. They were asking me for information that had already been provided in writing when I initially submitted my fraud complaint on XX/XX/XXXX. XXXX advised me to respond to that message. He also advised me that he was modifying my claim & submitting something to the " back office '' so that they could review this. The message from Navy Federal that I was to respond to was as follows : XXXX XXXX XXXX XXXX Thank you for contacting Navy Federal regarding the debit card fraud claim submitted on XX/XX/XXXX on your Visa Check Card ending in XXXX. Based on a thorough investigation of your account activity, we have determined that no error has occurred. If you wish to request a second review of the claim, you must do so in writing. In your request include any additional information to aid in our decision along with the following : 1. Why do you believe your claim should be honored? 2. Was the card lost or stolen or not in your possession at the time the fraud occurred? 3. What date was the card lost/stolen or fallen out of your possession? 4. If the card has been in your possession the entire time, how do you believe your card information was obtained? 5. Have you ever allowed anyone to use your card? If so, how do you know this person ( s )? 6. If you received any merchandise from the merchant, is this merchandise still in your possession? 7. Did you authorize or participate in the charge ( s ) but there was some type of error or scam? You may send your written appeal or any correspondence via this message thread, you may also visit a Navy Federal Credit Union branch, if there is one in your area. We take the security of your accounts very seriously. If you are unable to complete the Debit Card Fraud Claim Second Review Claim or have additional questions, please contact us at XXXX On XXXX, I submitted the following response to the above message ( conf # XXXX ) : XXXX XX/XX/XXXX, shortly after midnight, a claim was submitted online via the messaging app. That claim was for a total of XXXX charges, all totaling {$240.00}. Along with my message, I sent a Statement of Forgery form, signed by me. I explained in my message that my card was lost on XX/XX/XXXX. I do not know who ended up with my card, nor did I give any of the businesses outlined in my Statement of Forgery consent to process any charges on my card. On XX/XX/XXXX, I called Navy Federal to check on the status of my claim. Unbeknownst to me, the claim I submitted online had not actually been processed yet. The rep I spoke with created a claim for me for a total of {$440.00}, which included accurate charges along with the fraud charges detailed in my Statement of Forgery. On XX/XX/XXXX, during another phone call, I learned my claim had been denied due to the fact that the rep I spoke with on XX/XX/XXXX included accurate charges into my claim ( which I never requested ; review the call ). The person I spoke with on XX/XX/XXXX figured out that the error happened on Navy Federal 's end & apparently sent some kind of notification to the " back office ''. He also requested that I respond to this message with answers to your questions. I have been wrapped up with a death in the family so am just now revisiting this. In a nutshell, my claim should be honored because there was legitimate fraud on my account. I did everything I could to stop it. When I discovered an error occurred, I froze my card immediately. I submitted the Statement of Forgery shortly afterwards. I called to check the status of what I emailed. The reason my claim was denied was because of an error made by Navy Federal. And I should not be help responsible for that. The card was not in my possession at the time the fraud was committed. In fact, after the card was frozen, I have email records of someone who REPEATEDLY kept trying to charge my card again. The card was lost on XX/XX/XXXX. No, I do not share my card with anyone because I dont anyone with my personal info. I never received anything from any of the businesses mentioned in my Statement of Forgery. No, I never authorized the 6 charges outlined. Additionally, out of the XXXX XXXX charges, after I reached out to them, they only issued me a partial refund of {$52.00}. So for that one, I am no longer claiming the original fraud amount of {$160.00}. Instead, I am claiming the difference of {$110.00}. I have also re-attached the original Statement of Forgery. *** On the morning of XXXX, I got the following response ( conf # XXXX ) : ***Our goal is to respond to your message electronically within two business days. However, there may be instances where extensive research or an increase in messages will not allow us to respond within the desired time frame. Your message is important to us, and we strive to reply as promptly as possible. We would like to assure you that Navy Federal makes a genuine effort to answer and rectify any issue ( s ) or concern ( s ) you may have in a timely manner. We extend our sincere apologies for the delay in our reply. We have thoroughly investigated your card fraud claim in the amount of {$14.00}, {$61.00}, and {$440.00}. It has been determined that no fraud has occurred. Any provisional credits issued will be reversed from your account in 14 days. A letter has been sent to your address on file. If you receive secure electronic notifications from NFCU you will receive an eMessage through Online Banking. Once the provisional credit has been reversed your claims will be closed. *** I then called Navy Federal AGAIN on XXXX at approx XXXX XXXX & spoke with XXXX who claims to be a supervisor. She said when XXXX submitted whatever he submitted, there were only XXXX charges mentioned as fraud charges. So once again, another error on Navy Federal 's part to correctly address my fraud complaint. She apologized & admitted that a mistake had been made on Navy Federal 's end AGAIN. So now, we have 2 separate people from within Navy Federal who admitted that Navy Federal made a mistake in the processing of my claim. XXXX put me on hold & claims to have re-created the claim & expedited it to a supervisor. She claims to have also attached my Statement of Forgery to whatever she did. I was on that call for 40 minutes. Additionally, she told me it could take up to 14 days to review something that was initiated on XX/XX/XXXX ( we are 15 days into this process at this point ). Because of Navy Federal 's consistent mishandling & overall gross negligence of my claim, I have decided to escalate this to the XXXX, as I no longer have the confidence that Navy Federal can correct my issue without me involving a third party. And it is sad that it even has to take all of this for me to recover such a small amount. It is these types of issues that undermine trust in the US banking system. I am the wrong person to mishandle & will keep fighting this tooth & nail until it is corrected because it is wrong for Navy Federal to continue to make so many mistakes in handling my claim. If I owed them money, they would not hesitate to keep coming after me for it. Therefore, I am holding Navy Federal to the same level of accountability. | ||||||
| 01/06/2023 | Yes |
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Web | Older American, Servicemember |
| Dear Sir/Madam ; This memorandum documents our experience while securing a refinance/buy-back loan from Navy Federal Credit Union ( NFCU ) during XXXX XXXX. We found the conduct of NFCU and its employees during this experience uniformly unsatisfactory. Because of the likelihood that this recounting alone will fail to stimulate internal consideration of personnel evaluation and business practices at NFCU, it has also been provided to various regulatory, personnel certification and business ratings organizations as seem appropriate. Background In XX/XX/XXXX, we identified a townhome under construction in XXXX XXXX, XXXX, that we wished to purchase. Wishing to avoid a XXXX mortgage, our financing strategy was to take out a loan against our current home in XXXX, and use the money to purchase the XXXX property for cash. We determined to apply for the loan and lock-in a rate immediately, as news reports indicated mortgage rates would rise significantly throughout XXXX and early XXXX. The completion date for the property is XX/XX/XXXX. So, we also planned to delay closing the refinance/loan until as late as possible to allow time to refine the precise loan amount, and reduce the number of payments required prior to closing on the property. Chronology of Events The following chronology is provided as an objective outline of the sequence of events that led to our current situation. Early XX/XX/XXXX. We applied for what the NFCU XXXX XXXX termed a refinance-buy back loan. We explained the background described above to the XXXX XXXX, including our desire to refine the loan value prior to closing, delay closing the loan for as long as possible within the rate lock period, and occasionally pay down principal with the objective of reducing monthly payments. XXXX. We received pre-approval of the loan package for a maximum value of {$400000.00}, locking in a XXXX XXXX rate on a XXXX, fully-collateralized loan. The expiration for the rate lock-in was XXXX XXXX. XXXX XXXX. We notified the XXXX XXXX, by phonecon and email, that the final loan amount desired for the loan was {$270000.00}. We have copies of the emails and, presumably, NFCU has recordings of the phonecon relaying this information. XXXX XXXX. Loan documents were delivered for signature. The loan value identified in the documents was {$400000.00}, rather than the {$270000.00} we requested. We signed the documents, assuming we could either cancel the contract, or that NFCU would undertake whatever administrative procedures were necessary to correct its error. We contacted the XXXX XXXX immediately, who responded that NFCU would not correct its error and that if we exercised the three-day cancellation option, NFCU would not rewrite the contract within the rate lock period. XXXX XXXX. The XXXX XXXX rate lock-in period expired. XXXX XXXX XXXX XXXX XXXX. We contacted the XXXX XXXX to express our dissatisfaction with being held accountable for NFCUs clerical error. She provided us another point of contact at NFCU Member Services. XXXX XXXX. We called NFCU Member Services. The advisor informed us that the monthly payments for the loan could not be recast, ever, and that payments would be required for the full value of the erroneous {$400000.00} loan amount. XXXX XXXX. Calls to and from NFCU yielded various limited options for correcting NFCUs mistake. NFCUs Response The conduct of virtually all NFCU personnel involved has been uniformly unhelpful, frequently condescending to the point of insulting, and breathtakingly uninformed throughout this process. While starting off as little more than annoyances, the general sloppiness, laziness, technical incompetence and lack of attention to detail, culminated in a major clerical error on the part of NFCU that may, as of XXXX XX/XX/XXXX, result in significant financial consequences for us, with no apparent adverse consequences or accountability, either corporate or individual, for NFCU. In some scenarios NFCU might actually benefit, at the customers expense, from its own mistake. Because she was the principal customer interface, and is personally responsible for the major clerical error, XXXX XXXX XXXX, the NFCU XXXX XXXX bears at least initial responsibility for the problem. Starting out with the annoyances, that in some cases exacerbated her mistake, XXXX XXXX provided several different names, phone numbers and email addresses for contact. Her supervisors contact information, listed on the signed loan documents, is incorrect. That NFCU is unable to provide something as simple as clear, unambiguous, correct, contact information unfortunately accurately reflects the overall competence demonstrated during this experience. XXXX XXXX seemed to have difficulty comprehending our desire to delay closing as long as possible, and perhaps erroneously assumed that mistakes on the closing documents were of little consequence since she expected there would be time to fix them. Contributing to the lack of timely response to this clerical mistake, beyond NFCUs general lack of a sense of urgency or customer service, was XXXX XXXX insistence on assigning a title agent from XXXXXXXX XXXX, rather than the local XXXX title agent that we specified. No explanation for this arbitrary assignment of a non-local title agent was provided. Most significantly, despite being notified on XXXX XXXX both in writing and on the phone of the required new loan amount, and despite a lengthy previous phonecon on the same subject, XXXX XXXX failed to ensure that the correct loan amount was entered in the loan documents provided for signature. This was a significant clerical error. XXXX XXXX apparently lacked the authority to correct her mistake. Her supervisor was completely absent during all phases of this process and is, presumably, XXXX of the problem ( s ). Supervisor, and supervision seem completely absent at all levels at NFCU. This explicit commission of errors, and more general demonstration of incompetence, lassitude and indifference, were in no way confined to XXXX XXXX. XXXX XXXX attempted to pass the consequences of her failure to properly process our loan on to XXXX XXXX XXXX in Member Services. When contacted, XXXX XXXX, having obviously made no effort to inform herself on the issue in the intervening XXXX days, proceeded to deliver a condescending and utterly uninformed lecture on the nature of our loan and the limited options we had to mitigate the consequences of NFCUs gross incompetence. Subsequent discussions with NFCU supervisors, such as they are, suggest XXXX XXXX was grossly misinformed as to our loan, and basic NFCU procedures. Throughout this process, NFCU and its employees consistently failed to acknowledge any responsibility ( or accountability ) for this mistake or take any initiative to address the consequences to the customer. Instead, we were contacted by a series of employees who were so comprehensively ignorant of the situation, and NFCUs own procedures, that we received completely different answers from each, and often different answers from the same employees at different times. On occasion the strategies offered were so utterly implausible we were left wondering if they were not simply efforts to stall until our options had all expired. This made planning and damage control, on our part, virtually impossible. NFCUs position has changed, at the time of writing, within bounds roughly defined by the following positions. Presumably, the initial plan was to process the loan properly. We borrow {$270000.00} at XXXX XXXX, and begin making payments in XXXX. This became untenable on XXXX XXXX when NFCU provided incorrect documents for signature and refused to correct the mistake. Process the loan for an amount we did not request, we pay down the principal by the overage before the first payment, and recompute the loan payments for the new principal ( recast ), putting us more or less back on the same track, except we only have two opportunities to pay down principal, one of which is exhausted correcting NFCUs mistake. Process the loan for the wrong amount, deny us the opportunity to pay down principal at all, and require monthly payments on a {$400000.00} loan that we did not request. We determined extricating ourselves from this mess of NFCUs creation would result in a loss to us of around {$40000.00}. This was XXXX XXXX position, and would have required recourse to legal action. Process the loan for the wrong amount, allow us to pay down principal at an unspecified future date of NFCUs choosing. This option still required us to pay the full {$400000.00} loan monthly payment for somewhere between XXXX to XXXX months while NFCU processed the loan. This seemed so fantastically incomprehensible that we assumed it was probably illegal, so much so we never really believed it was an option. Simply threatening legal action would have presumably collapsed this scenario, had it lasted long enough to do so. At some point, NFCU clarified, or altered, its position on recasting the loan, and declared that this process was allowed twice a year, not twice over XXXX years. The actual loan documents indicate that the recomputation of loan payment will be done at the lenders discretion with no additional qualifications. So, apparently, recasting can be done never, twice, XXXX times, as many times as the lender allows, or as many times as the borrower desires. This single issue serves as a convenient metaphor for the astonishingly amateurish manner in which this entire incident has been handled by NFCU. On XXXX XXXX, NFCU offered to grant an indulgence to pay down the principal with the overage, and recast the loan, before the first payment. The XXXX XXXX offer was followed by yet another slightly different offer on XXXX XXXX that, apparently, involves actually resubmitting the notarized loan paperwork for a {$230000.00} loan, purportedly also still at the original XXXX XXXX locked rate. Why this fix is now possible with nothing more than yet more inconvenience for the customer was not explained. Unfortunately, none of these scenarios have been provided in writing. Experience suggests that verbal agreements with, or explanations by, NFCU and its employees are likely to be at best obfuscatory, and frequently blatant falsehoods. We might be excused for being skeptical that the most recent offer of what seems to be essentially a new loan- actually close to the original loan we asked for at the original rate ( well after the rate lock has expired ) might simply be yet another NFCU stratagem for covering up its own mistake and passing on the consequences to the customer. Summary No formal summary should be necessary. Even if resolved in a manner that does not result in adverse financial consequences for the customer it has been - that hardly constitutes what could be deemed a successful business transaction. The burden and stress of mitigating the consequences of NFCUs mistakes and pervasive incompetence has fallen entirely on the customer. NFCU would do well to start at the basics by reflecting on the meaning of the word customer. Customers pay hundreds of thousands of dollars in finance fees for a service consisting of little more, beyond the risk of the loan itself, - XXXX in our case since our collateral is valued at substantially more than the loan than bookkeeping, secretarial work, and the occasional provision of coherent explanations and reassurance. Our experience with NFCU illustrates lack of competence at any of these tasks, aggravated by one or more layers of supervisors who neither supervise nor are technically competent at solving problems when they do arise. All this is complemented by a seeming default position of ignorance, rudeness, blamecasting and condescension when dealing with those same customers. The right answer here, that apparently continues to elude NFCU management, was on the afternoon of XXXX XXXX, we are contacted by someone in a position of sufficient authority to apologize for NFCUs mistake, and with a guarantee ( with a credible timetable ) that NFCU will make it right without further burden to the customer. How NFCU might subsequently handle its glaring training, competence and supervisory shortcomings is a different matter. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 07/02/2022 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union has yet to answer any of my affidavits directly. Nor has NFCU provided the accounting connected to this alleged debt. I, XXXX XXXX XXXX a living and breathing natural person demands proper validation of this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX house XXXX XXXX, a man hereinafter claimant, for : XXXX XXXX XXXX hereinafter Alleged Debtor, I advise you to read this ENTIRE LETTER. Disregarding information in this letter means that you can be subject to a {$5000.00} fine and/or litigation for not reserving my rights under U.C.C. 1-308.4 ( I am reserving my rights under U.C.C. 1-308.4 not to be compelled to perform under any contract or commercial agreement that I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the XXXX. ) Claimant has entered an AFFIDAVIT OF FACT for the cease and desist of all collection activities and removal of adverse information on my consumer report ; in commerce ; ( 3 ) An unrebutted affidavit stands as judgement in commerce ; ( 4 ) A matter must be expressed to be resolved ; ( 5 ) A claim can be satisfied only through ( a ) a rebuttal by counter affidavit point by point ; ( b ) resolution by a jury ; or ( c ) payment ( payment means discharging this debt and cease and desist all collection activities ) Claim : claimant 's offer to perform ( pay with Federal Reserve Notes ) upon PROPER AND COMPLETE DEBT VALIDATION ; COMPLETE ENTIRE DEBT COLLECTORS DISCLOSURE STATEMENT ; PURSUANT TO TITLE 15 U.S. CODE 1692g ; Claimant requesting documentation showing where I signed an agreement or contract where I was given FULL DISCLOSURE ; Claimant requesting documentation disclosing EQUAL CONSIDERATION ; Claimant requestion documentation where COMPANY/CORPORATION has my WET INK SIGNTURE, including where COMPANY/CORPORATION signed agreement/contract and not a third-party representative ; NOTICE : THE GOVERNING LAW OF THIS BINDING NON-NEGOTIABLE CLAIM IS PRIVATE INTERNATIONAL LAW AND IS FOR THE PURPOSES OF ESTABLISHING LAWFUL STATUS & REMEDY, AND IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS ; Silence is Acquiescence, Agreement, and Dishonor ; Estoppel conditions apply upon default ; From : XXXX XXXX XXXX, Beneficiary XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Non-Domestic XXXX XXXX XXXX XXXX of NAVY FEDERAL CREDIT UNION C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXease & desist all collection activities IMMEDIATELY bearing my name pursuant to U.C.C. 1-308.4 Alleged Creditor : Navy Federal Credit Union Alleged Account : XXXX Alleged Amount : XXXX This letter is meant for the CEO and no other person is permitted to answer to this matter. Any effort to do so will be considered mail fraud and tampering with the mail which also holds possible imprisonment and fines per Title 18 U.S. Code 1701, Title 18 U.S. Code 1702, Title 18 U.S. Code 1703, and Title 18 U.S. Code 1708. Anyone who tampers with this mail other than the CEO or acting CEO of this corporation will also personally be named in the lien with the U.S. Treasury. Dear CEO of NAVY FEDERAL CREDIT UNION It has recently come to my attention that contracts were created without my KNOWLEDGE when the alleged ID number and alleged bank account was established with a NAVY FEDERAL CREDIT UNION which XXXX invalidate and violate my rights pursuant to U.C.C. 1-308.4 I, Darand Terrell Thompson , a Natural Person, am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g , to inform you that I protest the alleged debt and alleged account/account/negative activity/ statement associated with ( reference accounts above ) with NAVY FEDERAL CREDTI UNION I do not believe that the Natural Person XXXX XXXX XXXX signed a contract with your private corporation stating I allegedly lawfully owe a debt operating under the name NAVY FEDERAL CREDIT UNION or I do not believe there has been an established KNOWN agreement and believe nothing exists. For The Record And Let This Record Reflect, So as of now I am sending out to your organization corporation this AFFIDAVIT OF FACT AND TRUTH - Statement of Bill Protest on Alleged Debt Owed & The Reporting of Such Alleged Debt To The Credit Bureaus, Thus I am requesting that you provide the following information ; until this protest of this alleged debt owed can be proven that this alleged so-called validated information is in fact reporting correctly and not violation Title 15 U.S. Code 1692 statues. If you refused to answer back in the allotted Thirty ( 30 ) days of the FDCPA rules and regulations, if unrebutted a XXXX XXXX will commence against you and give rise to a civil action against you for several violations of consumer protection and securities laws for fraud. Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : If you disagree with my determination, I will expect you to document your position and authority with a counter affidavit point by point to the following expressed truths below : PLAIN STATEMENT OF FACTS Fact 1 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION owes an alleged debt in the state in which the company itself resides and it not required to adhere to Title 15 U.S. Code 1692b ( 2 ) and Title 18 U.S. Code 241, and I believe that none exists. Fact 2 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION HAS NOT practiced abusive, deceptive, unfair debt collection practices and is not required to adhere to Title 15 U.S. Code 1692 ( a ), and I believe that none exists. Fact 3 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CEDIT UNION was given prior consent to communicate with me ( communication means any medium including credit reporting agency ), HAS NOT communicated with me at hours and times not conducive to me and is not required to adhere to Title 15 U.S. Code 1692c ( 1 ) and Title 15 U.S. Code 1692c ( a ) ( 1 ), and I believe that none exists. Fact 4 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FFEDERAL CREDIT UNION HAS NOT used the profane language This Is Communication From A Debt Collector or the like/similar on mailed communications with me, HAS NOT put their logo on mailed communications with me that cause me mental anguish and not required to adhere to Title 15 U.S. Code 1692d ( 2 ), and I believe none exists. Fact 5 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION has sent me, the consumer, initial written communication of the alleged debt, that the alleged debt will be reporting on my credit report and not required to adhere to Title 15 U.S. Code 1692e ( 11 ), and I believe none exists. Fact 6 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION is not required to adhere to Title 18 U.S. Code 241, and I believe that none exists. Fact 7 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION is not required to adhere to Title 15 U.S. Code 1681o, and I believe that none exists. Fact 8 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION has properly validated this alleged debt by providing copies of actual accounting, providing a signed INVOICE, a copy of a contract binding both parties ( me and you ) with wet ink signatures and not required to adhere to Title 15 U.S. Code 1692g, and I believe that none exists. Fact 9 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION WILL NOT be harmed in any way by ceasing and desisting collection activities, and believe not exists. Fact 10 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION HAS NOT caused me financial injuries, damages, mental anguish, and losses due to your violation of my privacy rights and doesnt have to adhere to ALL LAWS AND STATUTES of the Fair Debt Collection Practices Act, and I believe that none exists. UNDISPUTED CONCLUSIONS Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Credit Reporting Agencies 1681 is an act of Congress designed to protect natural persons ( 1692a says that the term consumer means any natural person obligated or allegedly obligated to pay anydebt. ) from abusive collection agency practices. NOTICE Notice to the Agent is notice to the principle. Notification of legal responsibility is the first essential of due process of law. Connelly v. General Construction Co., 269 U.S. 385, 391. Your silence stands as consent and tacit approval to this regard. If no rebutted reply point by point is delivered within 30 days you are agreeing to the foregoing and are legally estopped pursuant to : Carmine v. Bowen, 64 A. 932, 1906, silence activities estopped. I hereby reserve the right to make amendments to this document as necessary in order that the truth may be ascertained and justly determined. If any living body has information that will controvert and overcome this Declaration please advise me in writing by counter Declaration in affidavit form within 30 days form receipt thereof proving that this Affidavit is substantially false. I, the undersigned, do herewith declare, state and say that I am competent by stating the matters set forth herein and that the contents are true, correct, complete, and admissible as evidence, and not misleading by my best knowledge and belief. This document may be recorded and may be used at the discretion of its issuer under Rule 902 of the Federal Rules of Evidence including the jurisdiction of the State of ILLINOIS and the United States of America Reminder : This letter is meant for the CEO and no other person is permitted to answer to this matter. Any effort to do so will be considered mail fraud and tampering with the mail which also holds possible imprisonment and fines per Title 18 U.S. Code 1701, Title 18 U.S. Code 1702, Title 18 U.S. Code 1703, and Title 18 U.S. Code 1708. Anyone who tampers with this mail other than the CEO or acting CEO of this corporation will also personally be named in the lien with the U.S. Treasury. My authority for making this demand for verification of your authority has been well established as follows : " Whatever the form in which the Government functions, anyone entering into an arrangement with the Government takes the risk of having accurately ascertained that he who purports to act for the Government stays within the bounds of his authority ... and this is so even though, as here, the agent ( s ) may have been unaware of the limitations upon their authority. '' Federal Crop Insurance Corporation v. Merrill, 332 U.S. 380 at 384 ( 1947 ). Should you consider my position in error, please respond within the next 30 days with your reasons why point my point. You have 30 days to respond to the correspondence or you and your company will be committing fraud. A claim can be satisfied only through ( a ) a rebuttal by counter affidavit point by point ; ( b ) resolution by a jury; or ( c ) payment ( payment means the amount on the tender that was sent to your company ) Thank you for your cooperation and attention to this matter. | ||||||
| 02/18/2021 | Yes |
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Web | |
| Dear CFPB, I was recently at this specific branch on XX/XX/2020 to follow through with my banking needs. Please I do respect NFCU as a whole I love banking with you and Have always had great service. Please I Am writing to you about this visit on XX/XX/2020. I came in to do some bank transfers and withdraws Keeping in mind that there are Covin 19 restrictions for communication, cleanse, and being apart the readiness was awesome and on point. When it was my turn, I was asked what were my needs to day? I replied with saying that I need a transfer from an estate account to different personal accounts and I would like to do a wire transfer. I was then asked questions about my domestic wire transfer to further assist in transaction and was given direction to teller 6. As I approached the teller, I give him greetings and salutations and he does the same? Next, I proceed in telling him my needs today Id like to transfer money from my fathers estate to my personal checkings, HE then asked the amounts and the specific accounts and asked for my Identification because the amount was large and alI proceed to give to him. He then asked me for the wire transfer informations the name of the business and the address? Right then and there I look at hem oddly because I come all the time to do wire transfers and never not once was I asked from the teller these questions Im all was assisted after my transactions with deposits of money, and then I am all ways helped by another teller, And I then ask him well why are you asking me for this information Im normally helped with somebody else in the branch, He replies with well this is just to make sure that the information for the transfer is correct in the system, mind you that we were in the middle of my transfers from my fathers account he just stop doing them so its really weird to me I didnt like it, it was unethical, Its a lot of money that Im transferring each transaction should be done one a time just like I have always been approached about when doing my business at XXXX XXXX XXXX XXXX XXXX, XXXX va, XXXX. When I was done with teller number 6 Id XXXX I then moved on to work on my actual wire transfer with another teller. To me this seems odd because I have to give my information again to the next teller because the information, I have already given should have been in order all ready just as Teller 6 ID XXXX explained and said to me, again to myself something isnt right I shouldnt have to repeat my self on towards the end if there is something missing or wrong? Proceeding with the transaction and following the covin 19 rules I had to either step outside or go to my vehicle or I can sit in the lobby next door .. I dont drive and its cold so I went next door with no problems it was perfect. I sit an fill the application out in the building, I then come back to the door to submit my application an requirements, Then I am asked to wait not a problem they will call me on my phone when done so I wait patiently. about 15 Minutes later I receive a phone call about my wire transfer that there is something wrong, So I come to the door wait about two minutes, Teller 6 ID XXXX comes out and tells me, Mrs XXXX we have a problem with sending you wire transfer. This is were I ask you the read, Bank manager to pay attention to the language and the alleged details in actions and cause. I asked teller 6 Id XXXX what seems to be the problem, Mrs.XXXX you have and outstanding balance on your account I asked what are you talking about, he went on and said my account went in to the negative 2 weeks prior from another transfer that took place and that I Owed money on an account. I looked at him in shock and said wait a minute go back I specifically asked him about the debts I asked him do I owe a debt he didnt give me a yes or no so I said to him I dont owe any alleged debts and this should not interfere with my transactions at all Again I asked him was this for a charged off account or a closed account he couldnt give me factual informations then he says to me and please pay attention he then quickly said to me if you do not pay we can not proceed with your transaction and we looked at each other he then says to me you should pay from your estate account the funds that are owed if you want this to be done .. I get very quiet .. then he goes on to say if not then if your money sits in the account NFCU will take your money so you should pay. I then asked were is this {$1000.00} negative balance coming from a overdraft or what he says your account went in to the negative. and I said why? He then goes on to say I can take payment from your estate to your checkings account to bring back to a positive balance. Now first off NFCU I have a lot of respectful what you guys are doing to help and make sure that I get the service I need but this transaction had no fairness to XXXX XXXX ( Consumer ). I wasnt even offered the ability to get back in line to talk with the teller or the actual man that was doing my transfer, I said I didnt mind going back in line, I say this because I had to talk and handle this business in front of everybody that was inline and at the door I was outraged by the scarcity. I didnt authorize anything with finding out if I had debt or outstanding accounts, I wasnt even able to find out how my account went in to the negative I was forced in to paying I was scared Your corporation doesnt know that this money was for a down payment for a new home my new living my needs. This transfer was my new life and hope and to be misled in to interpretation you can not treat nobody like this. I have to say this not one time has NFCU when I walk in to a branch an ask for services has it ever been hindered even if Im late paying something never! My privacy has been violated outside of your establishment when I have the fair time and rights to just wait in line and to be served, I have the right to know what specify alleged debts and or allegations are pending towards me because he couldnt give me no information when I asked he basically lied and to show you more to this please reach out to customer service I called stressed out to the corporation about what happened that day how I was treated and what do I owe, what happened to the balance why did it go to negative it doesnt make scene. As I right this to you I state the facts and the truth. About whats going on Please read and be advised. This has no fairness to it, I want to say that I wasnt able to get the home that I needed in time I wasnt to be there that long and these alleged allegations should have not stopped me or anything but it did, The mortgage company didnt allow me to even finish because of this un ethical practice that has happened, I have to wait for 6months for better living I resided in XXXX XXXX XXXX XXXX were chances dont come and they never go My opportunity has been taken from me. I was going to turn my head to this but this hasnt been the first time this year And I will state this, this corporation had taken my economic payment when it was deposited in to my bank account. I didnt authorize you to it was illegal and in violation Again I Had struggled that was money for my living as much as the news and the government had put on pause for late fees and payments to be adjusted you took it and didnt even give it back Check in to my account if you want to it is not fair in the eyes of the law. you cant keep doing this I am trying to stay above water. Please as I further write I am protected by the laws, as I stand as XXXX XXXX, person, consumer and in truth : I state these laws that you have presented to me on XX/XX/2020 at XXXX XXXX I XXXX XXXX The consumer rights have been missed used under the Consumer Financial Protection law and chapters, and or used under this subchapters. Pursuant to the 15 U.S. Code 1692a The bank teller # 6 XXXX and his approach to me regarding these alleged allegations ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Now at NFCU there are tellers not debt collectors and as it states in the laws governed for me that Pursuant 15 U.S. Code 1692a ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include : ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; Pursuant 15 U.S. Code 1692e False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Again I thank for your services. | ||||||
| 07/07/2020 | Yes |
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Web | |
| Applied for a mortgage refinance on XX/XX/XXXX with the original loan service provider due to needing to change title as a result of a divorce. I received an automated email stating my loan application was received on XX/XX/XXXX. I received an email from the assigned loan officer XXXX XXXX on XXXX XXXX requesting documentation to be uploaded. I responded to her email on XXXX XXXX advising her that their online system had no way for me to upload pay stubs and to please advise. On XXXX XXXX she responded stating she created a task so that I could upload the pay stubs they requested since you can only provide to them what they create a task for. Theres no way to submit any documentation to this bank even when you know that it will be needed unless they create a specific task for said documentation. I uploaded the requested pay stubs and sent her an email on XXXX XXXX advising her that all the documentation had been uploaded and asked several questions specific to my loan. I received loan approval on XXXX XXXX and sent an email the same day asking questions about the approval which I needed answered since it was a 3 day sign document which I needed to make a decision to proceed forward. The loan officer never responded to my email at all. I called the mortgage department on XXXX XXXX in an attempt to get some of my questions answered however, I was told that only my loan officer or someone working on my file could answer the questions. They stated the would send an escalated message to my team so that I could get a call back within 24 hours however, that never occurred. I called back on XXXX XXXX and advised I never received a call and was advised they would escalate it higher and I should receive a call and that never happened. On XXXX XXXX I finally reached out to one of the people who I originally worked with when I originally purchased the home in XXXX as they were amazing and she was able to help me with questions regarding the current rates and was able to do a rate lock for me since rates had dropped significantly and my loan officer wasnt responding to emails or phone calls. After still not getting a response from anyone on XXXX XXXX I reached out to my original loan officer from XXXX asking if she would be able to help me since no one is returning phone calls and although requested I still had not received my loan estimate even though my application was submitted almost a month ago. She said she would try to reach out so I could get a call back and amazingly I received a call the following day XXXX XXXX from her supervisor XXXX XXXX and I communicated my concerns and issues to her as well. I advised her that I was getting no emails or calls returned, that I hadnt received my loan estimate nor had anyone requested funds for the appraisal which should have already been ordered nor the funds for my credit report which had already been pulled. I requested information regarding their streamline product since Im whats considered a class A borrower and can use expedited programs as Ive done in the past. XXXX assured me that wasnt necessary as this was an easy loan to close and they would be able to have it closed by XXXX XXXX. The are both pre paid fees which should have been collected weeks prior. She collected the fees and ordered my appraisal and advised me that I would be contacted by my loan officer XXXX the following day XXXX XXXX which I did and she assured me things would get completed for closing by XXXX XXXX. When I asked about my loan estimate she kept telling me that it was available in home squad and I kept telling her that it wasnt as I was online looking exactly where she said and nothing was there although she kept saying she could see it on her end. I advised her that I never received any notification that it was available nor was it there so she stated she would get it to me. She asked me about which title and escrow company Id like to use and I asked her if they had an in house one or a preferred one. She stated Navy federal does have their own title escrow company I could use. One XXXX XXXX I received an email requesting additional documentation which I provided the same day. Again I attempted to contact her and didnt. Receive a response so I again reached out to her supervisor which assured me Id get a call the following day which I did. I finally received my loan estimate for the first time on XXXX XXXX after several requests almost 2 months after my loan application. I attempted to call to discuss it several times and even sent emails with no response so I again called her supervisor and got a call. She advised me that the in house title company doesnt service Washington state so i needed to pick one which I did and I gave her the contact information for so she could order title. I contacted the title company XXXX XXXX to see where they were at with the process and they hadnt received anything yet. I attempted to contact XXXX again regarding that since they should have received it within 24 hours and she never responded although I contacted her via email since her phone number never worked. XXXX XXXX I received an automated email that my appraisal had been approved and I would receive it electronically or via XXXX depending on which option I selected so again I sent her an email the same day asking the status of that since I was never asked how I wanted it provided as well as the how to get my locked interest rate lowered I addressed my concerns and all the issues I previously addressed. Again I never received a response until after I contacted her supervisor XXXX XXXX and XXXX finally emailed back and a phone call XXXX XXXX with a copy of the approved appraisal report and apparently a new loan estimate higher than the first one. When I spoke with her I asked why the interest rate increased even though she had ensured me it wouldnt and I also inquired about the appraisal because it was clearly incomplete and my home was valued way lower than it should have been. She stated that she didnt know how they came up with the value and couldnt explain the report and told me to call the appraisal company and she provided me with their contact information. Regarding the interest rate she stated that it will stay as the original one stated and the marketing department would take care of that and when I inquired as to why she couldnt have it reflected in the estimate she couldnt give an answer. I also asked how am I supposed to sign for closing in 2 days when it hasnt even been sent to underwriting nor has she sent anything for title. She stated that the escrow title company I selected didnt service Washington state which I knew was incorrect because Ive used them on previous home transactions which tells me she never submitted it to whom I requested. At this point I was furious because she was not doing her job nor following up to make sure things were taken care of in a timely manner and as a result my closing was now being delayed. On XXXX XXXX I sent an email attempting to file a complaint against the loan officer XXXX to XXXX XXXX which is supposed to be her supervisors supervisor since clearly dealing with her direct supervisor wasnt productive. In my email to her I addressed all the issues with my loan application as well as the deceptive false information that I had been given throughout the process, all the additional costs Im having to incur as a result and no one being held accountable and requested information on the complaint process as well as information regarding who else I could address a complaint with. Instead of responding she had a different loan officer call and after speaking with her I advised that I specifically requested someone higher as now my closing will not be occurring as promised due to lack of proper handling and I was attempting to file a complaint. She passed the message on to a different supervisor XXXX XXXX which called and like everyone else just apologized. She did reach out to the escrow company and ensured they received the information and she also assured me that the only thing needed to be be done was to receive my appraisal appeal response to go to underwriting. Although I asked her multiple times for the policies regarding my consumer rights when it comes to disputing an appraisal no one would give me the information and when I asked if I could pay for another one I was told no that was not an option. I was advised that closing would now be XXXX XXXX and the appraisal appeal I submitted XXXX XXXX could take up to ten business days however, it was never completed within that time period and when I asked questions about my options since they arent responding no one could give me the information and as a result that delayed my closing even more. I finally sent another email to XXXX XXXX on XXXX XXXX again regarding my original request to file a complaint which still has never been addressed as well as documentation request regarding their policies, whether or not they have a mandatory arbitration process as I feel Im being discriminated against and no one is addressing it. This time she responded with a bunch of apologies again, never provided me with the complaint process or information regarding mandatory arbitration or information regarding calls being recorded and access to them to show what Ive been being told compared to what they were actually doing. She never addressed it nor provided me with any of the requested information and stated she would speak to the marketing department regarding my originally locked interest rate being honored and she said they will not make any concessions whatsoever regardless how grossly negligent My loan process has been handled, how much my additional expenses have increased nor expenses Ive been out of pocket due to their lack of proper handling. I advised her at that time I would be filing external complaints as a feel Im being discriminated against and their violation of the fair housing act and lack of providing a loan estimate within the required time allowed and she stated they dont make concessions for those reasons. Ive had to tell loan officer what they needed throughout the entire process and spend a significant amount of time contacting them and providing the same information multiple times also had to ask her to create tasks so that I could upload things like my divorce decree since I knew that was needed which she did the same day. Loan approval received were signed XXXX XXXX even though I didnt have the information I requested in order to make a determination of whether or not I wanted to proceed. I have emails to support all of this information and I was forced to proceed and not exercise my rights due to knowing anything done would delay the process at least 30 days no matter how small as thats how everything has occurred thru the entire process. Now that my loan finally closed on XXXX XXXX of course as a result of them Im filing a complaint with every agency possible as I no longer have to fear retaliation and their conduct is unacceptable. | ||||||
| 07/26/2023 | Yes |
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Web | Servicemember |
| At XXXX on XXXX XX/XX/2023, I received what appeared to be a fraud alert from Navy Federal Credit Union ( NFCU ). I have attached the screenshot of the text message I received. The text was fraud alert asking if I had attempted to transfer {$100.00}, {$500.00}, and {$200.00} through XXXX and to reply " yes '' if I authorized the charge and " no '' if I did not. I replied " no '' as I don't utilize XXXX and did not authorize those transactions. I received a reply that a representative would be giving me a call shortly. I looked up the phone number for NFCU fraud department ( XXXX ). I started to call the NFCU fraud department at XXXX but a customer had walked in where I worked. I assisted the customer at my work and started to call them again when I noticed that I was receiving a phone call from them ( see attached call log ). I received the phone call from a XXXX American gentleman who introduced himself as a NFCU representative from the fraud department. Note that they called me from the NFCU phone number ( call log attached ). The gentleman asked to speak with me and I stated that he was talking to me. He stated that there were some unusual transaction on my account and glad that he was able to catch those from me. He told me that he needed to send me a verification code and for me to read it off to him. I received the NFCU verification code via my XXXX e-mail address and read it off to him. He told me that he was going to place me on a brief hold while he looks at my account to see what was compromised. I was placed on hold with the waiting music. We became disconnected around XXXX. I was getting ready to call the fraud department back but the representative from NFCU called me right back at XXXX. He apologized for getting disconnected and stated he was still looking into my account. He asked me if I would like to remove the XXXX capability from my bank account. I replied that I did because I do not utilize XXXX and that is what compromised my account. He said he would gladly do that for me and sent me another verification code and I read it off to him. He then placed me on a brief hold while he takes care of that. He then came back off hold and told me that he had to reset my account because it was compromised and sent me another verification code. We became disconnected at XXXX. The NFCU representative called me back at XXXX and I read off the verification that I received and he placed me on hold again. He came back off hold and told me that he was still working on resetting my account and placed me on hold again. We became disconnected at XXXX. I started to call back the NFCU fraud department at XXXX and I noticed that the fraud department was calling me back at XXXX so I switched over to answer the phone call. He apologized for the disconnect again and told me that he was finishing resetting my account. He placed me on hold again and then came back on the line. We became disconnected again at XXXX. I waited about 5 minutes to see if they would call me back. I called the NFCU phone number at XXXX and that is when I found out that I had never spoke with a NFCU representative. It was a scammer that had that taken over my account, took out a {$8500.00} loan, set up ( 3 ) member-to-member transfers, had the loan deposited into my checking account, and transferred all of the loan money and what was in my checking account. NFCU froze me account and marked the loan as fraud and told me to call back the next day to start the fraud claims because the transactions need to post. I called NFCU the following day on Friday XXXX XX/XX/2023 at XXXX CST. The lady who answered the phone stated that I need to talk to the security department and they didn't get in until XXXX EST. I called NFCU back at XXXX to speak with the Security department at NFCU. A male representative from the Security department answered and started inferring that I should have known better and noticed that this was a scam. I felt really embarrassed by his comments and felt that it wasn't normal for a bank to be victim shaming. I also felt that if NFCU Security was better I wouldn't be in this position. Someone was able to take out a {$8500.00} loan without showing identification or providing any signatures ( this is what I learned from the fraud department lady the night before on XXXX XX/XX/2023 when I talked with her from XXXX. He walked me through how to install the latest security update on my apple i-phone. He also told me that the scammer had my full SSN and date of birth so I would need to take identity theft actions. He sent me an e-message with how to move forward with precautions with identity theft ( report to FTC, freeze/lock credit with all ( 3 ) credit bureaus, initial fraud alert with all ( 3 ) credit bureaus, etc. He then transferred me to the NFCU fraud department. The fraud department closed my savings and checking that the scammer stole all my money from and opened a new account. They told me that I could submit an affidavit for the fraudulent loan and either mail it in or turn it into a local branch and they can scan and upload it. They told me to call back the next day as the transactions from the transfer of money out of my checking and savings had not posted yet. I inquired if the the transactions show posted because I was able to login with new credentials to my new account and saw that the transfer transactions have posted. They placed me a hold to talk to my manager and stated that I would just have to call back tomorrow. I inquired if the transactions haven't posted why can't they just stop the transactions and they told me that they can't do that because the funds have already left the account and the system just needs to catch up. I inquired about provisional funding as I read that it may be possible to get provisional funding on the affidavit. They stated they can not give me provisional funding but gave me a {$50.00} credit to my new account to help out. I was on the phone for 1 hour and 46 minutes with NFCU. On XXXX XX/XX/2023 I turned in the affidavit for the loan into the NFCU XXXX, IL branch and the lady scanned and uploaded the affidavit into their system and printed me a new debit card for my new checking account. Also, on XXXX XX/XX/2023 I made a FTC report and was given a task checklist to work on for identity theft. On XXXX XX/XX/2023, I froze/locked all credit from all ( 3 ) credit bureaus and did an initial fraud alert for all ( 3 ) credit bureaus that will be good for 1 year. On the following day, XXXX XX/XX/2023 I called NFCU at XXXX CST and started the fraud claim for my checking and savings account. The lady I spoke with told me that she submitted the fraud claim and that it would take 6 months to complete and investigation and once the investigation was complete then I would receive a response on the claim. On XXXX XX/XX/2023, I submitted the FTC dispute letters to NFCU via their e-message portal. I sent one FTC dispute letter for the fraudulent loan and one FTC dispute letter along with the FTC Notice to Furnishers for both submissions. I called NFCU at XXXX on XXXX XX/XX/2023 to get an update on the fraud claims for the fraudulent loan and the fraud claim for the checking/saving accounts. The NFCU female representative stated that the claims have been submitted and it will take 6 months to go through the investigation and the claim completed. Once the claim is completed in 6 months I will received a letter with the finding. I inquired if I had additional evidence that I could provide such as the text message from the scammer, police report, etc. how I would be able to get that over to them so that I can assist with the claim to go through. She instructed me to utilize the e-message system but it will still take 6 months. She also stated that within the next month I will need to start making payments on the fraudulent loan. I inquired why I had to pay for a loan that I didn't take out that was already marked as fraud. She replied that if I didn't make the payments on the fraudulent loan during this time they will report me to the credit bureaus and my credit will be ruined. She did state that if the claim comes back after it is completed they will pay me back everything I paid towards the loan. I asked her if it will truly take 6 months to complete the claims and investigation and she said yes. I asked if they are federally insured ( FDIC ) why I had to take the loss as a victim of fraud and not the bank take the loss. The female representative said that I have to be able to prove my innocence before I can receive any money back and that they can not gurantee that I receive all of my money back that I lost. Today, XXXX XX/XX/2023. I submitted additional evidence ( the text message that was a scam posed as a NFCU fraud alert that contained the phone number of the scammer ) for the claim and called NFCU to receive an update at XXXXCST. I inquired if I could receive an update on my fraud claims and the gentlemen stated that they are getting worked. I inquired how do I know they are actually working on my claim as I have been working tirelessly to provide all evidence I can for them and work through identity theft and trying to figure out what to do financially as all my money has been stolen from me. The gentlemen on the phone stated that if I sent the message its getting worked and I told him that this wasn't good enough and I needed an answer. I have ( 3 ) kids and I have bills to pay and mouths to feed and I have no money because that person stole everything. They told me that the fraud claims are a process and I just have to wait. I inquired if there was anything else I can do and they told me to just wait but they would mark my fraud claims as urgent so that maybe I will get it rectified before 6 months. After the phone call with NFCU I called the phone number that I received the scam text from off of my government cell phone and the same XXXX American male answered the phone. I had my government phone on mute and didn't interact because I don't want to ruin the investigation. Today I am filing this report, contacting the FBI fraud hotline, my security manager for my Command ( XXXX XXXX XXXX XXXX ) is reaching out to the NCIS fraud department, going to my local police department to complete my police report and start researching for a lawyer. I have opened a separate bank account because I no longer trust NFCU with anymore money. I have been victim shamed, told to wait 6 months, they denied provisional funding, and told me I have to prove my innocence when I'm already a victim. To be treated by my bank in this manner has been extremely stressful and has caused a lot of trauma to my family. I don't know how we are supposed to survive with no money until pay day ( in 2 weeks ), but I know that NFCU isn't willing to work with me. | ||||||
| 11/15/2023 | Yes |
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Web | Servicemember |
| SUMMARY OF COMPLAINT I recently went online and purchased an XXXX from XXXX / XXXX : XXXX. After my purchase I noticed in my banking app that I was billed by XXXX XXXX XXXX XXXX XXXX for this XXXX. I immediately became concerned that this was a scam. I went to the website, and I noticed other things that confirmed my suspicion. This occurred all on XX/XX/XXXX. I called my bank Navy Federal Credit Union to report fraud. When I asked to report the fraud, I was told no, because they said that I was a willing participant in it. This was not true. They instead filed a dispute, but it was closed out due to insufficient information. Now I am out almost a {$1000.00} and I am looking for help to recover my loss and prevent this from happening to other veterans that bank at Navy Federal. I have provided a timeline of all the events that have transpired below, after the Summary of Complaint section. I am a XXXX XXXX veteran, and like many vets, I bank at Navy Federal Credit Union. I called Navy Federal and told them that I purchased an XXXX online but just noticed that I was billed by XXXX XXXX XXXX XXXX XXXX. I shared with the representative the numerous reasons why I had thought this was fraud beginning with me being billed by a door company, the many issues that I found with the website ( I listed the specifics below in the timeline ), like the About Us page, the Returns page, the Chat, the cheap products, the scam alerts, and everything else that told us that this was fraud. The Representative told me that this was not fraud this was a dispute. I told the representative that this was indeed fraud, but again she told me that this was a dispute because I willingly participated in the fraud. I argued that I did no such thing, but to no avail. I had to contact Navy Federal a couple of times to try to resolve my issue of fraud but ultimately, I was blamed for it. They never asked the vendor to prove that they shipped me an XXXX nor did they inquire into the vendor at all from what I can tell. My Dispute that they filed was closed out because of insufficient information. I never saw the dispute that was filed on my behalf. I can not tell the actual reason why the dispute was filed, since a proof of shipment was not requested. I am floored that Navy Federal did nothing with my complaint and blamed me for willingly participating in the fraud. They may have blamed me for being complicit, but they were complicit and negligent by ignoring and not acting on the fraud that victimized me. People are currently being frauded by this site now. There is no action that is being taken by Navy Federal after I reported the fraud charge to the best of my knowledge. Below is the timeline of events that supports my statement that it was Navy Federal Credit Union that was complicit in the fraud that cost me {$1000.00}. It goes without saying that I suggest an immediate return of my money with a credit card refund as a start to remedy this issue. It also should be asked of NFCU why they acted in the way that they did, why did they blame the victim for fraud? What corrections are they going to make so that this does not happen to other veterans. That will not make up from the loss of trust, but it is actions that makes sense, and they could take right now. TIMELINE OF COMPLAINT AND SUSPICIOUS CLUES FOR FRAUD XXXX XXXX I purchased an XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$980.00} from XXXX XXXX I received XXXX Order Confirmations XXXX indicating shipping confirmations coming soon. XXXX XXXX I noticed that I was billed for an XXXX by XXXX XXXX XXXX XXXX XXXX. I have not received any shipping updates as promised plus I was billed by a door and window company for an XXXX. I suspect fraud. I look for more clues that this is fraud, and this is what I found : XXXX. Complaint from XXXX XXXX XXXX ( Screenshots Provided ) XXXX. ScamAdviser Alert Stating that this company has very low trust score. ( Screenshots Provided ) XXXX. Scam Detector Alert Advises caution due to low score. ( Screenshots Provided ) XXXX. Products primarily electronics and tractors strange product mix for door and window company XXXX. Some products priced way to low a. TV selling for {$60.00} b. Riding Lawn Mower for {$500.00} XXXX. Return Policy To be eligible for a return your item must be in the same condition that you received it, UNWORN or unused, with tags. Strange policy for a company that does not sell clothing ( Screenshots Provided ) XXXX. Return Policy under the Exceptions /non-returnable items Certain types of items can not be returned, like perishable goods ( such as food, flowers, or plants ),. Strange policy for a company that does not sell food or flowers or plants ( Screenshots Provided ) XXXX. About Us page vague in saying what products or services they sell. Sells itself as eCommerce Company using the best technology for the best browser search experience. Strange way to explain a distributor of door, windows, electronics, and tractors. ( Screenshots Provided ) XXXX. Contact Us page Our Customer Service Team will get in touch with you within XXXX business days. Quite the contrast of cutting edge technology for servicing customers in the About Us page. ( Screenshots Provided ) XXXX. Contact Us page When submitting messages, no email confirmation is sent saying that they received your message. Ultimately, they do not reply to email messages. This is the same for sending emails directly to XXXX from your own email or filling out the form on their website. XXXX. Chat page We typically reply in few minutes, is what you see on the chat page when you request to speak to a representative. Chat is for immediate communication that is made unavailable when agents are not available to assist. I implement these kind of tools for a living. XXXX. Chat page I was asked for my email address if I preferred not to wait for a Chat Agent. This is turning a chat service into an email service. Quite the contrast of cutting edge technology for servicing customers in the About Us page. XXXX. Chat page I started a chat session by requesting the status of my order. I waited for about XXXX minutes and the agent asked for the order number. I gave them my order number immediately but never heard back from the agent after being in chat for XXXX minutes with repetitive pings of Are you there? XXXX. Chat page I started another chat session on a different day requesting cancellation of my order at XXXXXXXX XXXX CST. I waited for an hour and a half and the agent asked for my order number at XXXX XXXX CST. I gave them my order number and waited another hour and a half and they told me that I will receive an email update at XXXXXXXX XXXX CST. I then asked them if they cancelled my order, and they asked me again for my order number at XXXXXXXX XXXX CST. I tried to continue the conversation, but no one responded any further. XXXX XXXX I contact Navy Federal Credit Union and told them that I need to submit a complaint for fraud. They said that this is not fraud because I knowingly participated in this so this would be considered a dispute. I explained that I was NOT complicit or willing to commit fraud, I am a victim of fraud. They argued until I relented. I dont care what you call it but get my money back became my demeanor. Keep in mind that I am a XXXX XXXX XXXX veteran and I have a checking account, credit card, and my mortgage with Navy FederaXXXX. I pay off my credit card every month and I have made XXXX XXXX XXXX in overpayments on my mortgage. My credit score is XXXX. They know all of this about me, but they still accused me of participating in fraud. They serve other current and former military, what are they accusing them of, if this is how they accuse me? XX/XX/XXXX We cancelled my credit card. A card cancellation is not necessary in a dispute. The only time that you should need to cancel your card is if youre concerned about fraud. So, it is strange that Navy Federal will cancel a credit card for a dispute, but we did. XX/XX/XXXX I sent an email requesting a status update from my own email and I sent another email using XXXXXXXX XXXX XXXX. I did not get a response from either. XX/XX/XXXX I started a chat session by requesting the status of my order. I waited for about XXXX minutes and the agent asked for the order number. I gave them my order number immediately but never heard back from the agent after being in chat for XXXX minutes with repetitive pings of Are you there? XX/XX/XXXX I ordered a new XXXX from XXXX XXXX. XX/XX/XXXX I received my new XXXX from XXXX XXXX. XX/XX/XXXX I receive an email stating that they need more information for my dispute. I called Navy Federal and spoke to a representative. I voiced my concern again that this is being handled as a dispute when it is fraud. The agent accused me of my willingness to participate in fraud. I asked what additional information could be needed based on what I already provided. They did not know but suggested that I would add my order confirmations that I received from XXXX XXXX, so I did. I kept on insisting that this is a fraud case, and it should be treated as such. XX/XX/XXXX I received an email stating that my dispute has been closed. I immediately called Navy Federal. I asked the representative if I can receive a copy of the proof of shipping of the XXXX that XXXX XXXX provided. They said that they did not have it. I asked how they closed this out if they did not get the proof of shipping. I was then told that it was closed because of the lack of evidence. The basic tenant in a shipping dispute is proof of shipment. Seeing how this was not pursued I am unsure what was filed under the dispute. I am out of a XXXX dollars because this financial institution chooses to ignore fraud. Navy Federal was a willing participant in my fraud not me. XX/XX/XXXX I sent an email requesting cancellation from my own email and sent another email using XXXX XXXX website. I did not get a response from either. XX/XX/XXXX I started a chat session that lasted for XXXX hours. Received XXXX responses from the chat agent. Twice they asked me for my order number, which was already posted in the chat. Once, they replied that I will receive an email within hours for a Cancellation. I Never heard back from the agent, nor did I ever receive any emails. XX/XX/XXXX XXXX sent an email requesting cancellation from my own email and I also sent an email using XXXXXXXX XXXX website. I did not get a response from either. XX/XX/XXXX I started a chat session that lasted almost XXXX hours. Did not get any response this time with a chat agent. XX/XX/XXXX I started a chat session that lasted almost XXXX hours. Did not get any response this time with a chat agent. XX/XX/XXXX Now I am pursuing a remedy to resolve my issue. | ||||||
| 08/26/2021 | Yes |
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Web | Servicemember |
| To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : Navy Federal with 2 different account numbers for the same account. The account numbers are : account # XXXX and XXXX for an account that has already been PAID but is reporting inaccurately on all 3 credit bureaus Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the | ||||||
| 02/21/2019 | Yes |
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Web | Servicemember |
| We have both personal and business accounts. On the personal side Navy Federal has approved myself and my fiance, very extreme large amount in credit cards. Our business account we can not even borrow a penny. To make matters worse, Oh XXXX where do I begin!! So, let 's start with opening a business account there. While talking with the rep at the branch and trying to decide what business account we would like. She inticed us with the account that earned interest, no hidden fees, whatever we spend in ATM fees at another bank we receive back, and etc. So yes we went for it, why not? It sounded great! Boy wasnt we in for a surprise! Let give a little background first. We own a automotive and semi repair shop. We sell tires, along with repairing all kinds of vehicles. It is usual business for us to have a {$2500.00} parts bill on every Monday, {$2000.00} or more payroll on Friday, and tire bill anywhere from {$100.00} to {$2000.00} per day. With being said its not unusual activity for me to write checks for these amounts, and deposit {$100.00} to {$8000.00} per week, if not more some weeks. After a year of banking is when the problems began. We began receiving returned checks, and vendors calling us. We did dismiss some of this for a while as our fault. While some of this was how our credit card processor was handling funding to our account. Then we had a employee do a internal theft, who is incarcerated now due to this criminal act. Does not help us any because he is a third time felon we found out during trial and was sent back for good, so we will never get that {$23000.00} back. During the theft of {$23000.00} stolen right out of our bank account, Navy federal never once helped us in any kind of way. In fact, we applied for a loan to help us get through the hurdle till more money came in, and to cover checks that had bounced during this theft. Navy federal declined the loan and gave no reason for the refusal, but greatly enjoyed all the money they was making on our grief. This is where bad went to worse with Navy Federal! I think they enjoyed the money they was making sooooo much they found this as a way to higher there financial scores with FDIC, and stocks and so forth. Let me fast forward a little to the recent past several months. So, we was back in business after receiving a loan from another financial institution, because Navy Federal declined, their loss so I thought. We had deposited a very large amount cashiers check, and we still was getting returned checks. I was making deposits on the daily and still getting returned checks. So, come to find out Navy federal started placing holds on our deposits, and returning checks even though they money is there in their hands to cover the checks written. I battled with Navy Federal branch for a few weeks till finally they stopped placing holds on deposits, and it was agreed upon that our account could not handle holding funds. Its not like this is my trash guy, and I can tell him give me 7 days because my bank put a hold on paycheck. After this argreement, or so I thought we had one. We started getting returned checks again, and there was no way, cause we made sure there was funds to cover the checks written. We fought this with Navy Federal, and the explanation we kept receiving was well there are checks pending and they go through to be paid before your deposit is applied. OK, I will accept that explanation for now! So, my fianc got a little smart and on purpose wrote a certain number of checks, and paid cash for other stuff because we was setting up to watch how Navy Federal was processing all this. The day finally came where we knew exactly how many checks was out when they would be presented and the time the deposit was made to cover those checks. And, on that day that we had been working on to watch we sat up from XXXX till XXXX and sure enough there it was. Even though I made the {$3000.00} deposit before XXXX that day, because you know their cut off time to be applied to the account was XXXX they said, they processed all those checks and returned everyone of them then did not apply my deposit till XXXX the next day. When I presented this to the supervisor at the branch I got the most technical, rehearsed, XXXX story of why my theory does not work and that it was all my fault. I argued why that was XXXX!! A few days later I received a credit for all the returned checks, and XXXX miscellaneous technical glitch letter to present to my vendors that never put Navy Federal to blame ( of course ). Did not help with our reputation with our vendors though. We still had to pay their fees. Also during all this investigating and watching our account we found we was being charged international fees, we never received any money back from other ATMs, and something else that just states misc fee, WHAT? Now when questioned about this I get some XXXX excuse and told to go to business services that the branch doesnt handle our account. WHAT? And WHEN DID THIS BEGIN? This branch is where we came and opened this account, signed documents, talked to someone and set this account up?!?! Now lets fast forward again to the XX/XX/XXXX, and XX/XX/XXXX. I walk in to the location on a Saturday and deposited a little over {$700.00}, and the teller tells me I can only have {$250.00}, and in 7 days I can have the remaining, and this is after the deposit is completed. WHAT!?!?! I just wrote payroll and wrote a check to my tire supplier who for the 4th time will get another returned check! And, we have already came to a agreement about this. Guess what I get, Im so sorry maam but theres nothing I can do any deposit over {$250.00} dollars is a 7 day hold. WHATEVER!!! 2 weeks later I go in on a Monday and deposit a little over {$2700.00}, and again we will let you have {$500.00}, and you can have the rest in 7 days. ARE YOU KIDDING ME!?!?!?! No I want my money, I have checks written to run my business and I need that money! Im sorry anything over {$500.00} is a 7 day hold. Okay this is a joke, cause not even 2 weeks ago you said it was anything over {$250.00}, and now your telling me its anything over {$500.00}. The teller says yes I know we are not the ones making the rules its corporate, and corporate tells us what to allow. I argue this till one of the supervisors comes over, and overrides the hold. Then I come in with a cashiers check from a local bank ( local meaning within 1 block, around the corner from Navy Federal ) made to me for {$6600.00} ( I remember the amount to the penny, because this happened like within the past month ) The teller says okay we will let you have {$2500.00} now, {$2500.00} in 2 to 3 days, and the rest in 7 days. NOOOOO!!! I threw a fit! I need that money now!!! Not only do I have some checks to cover, but I need to pay rent, ( and we was also going to switch banks, but it does not matter what I was going to do with the rest of it ) The teller says Im sorry anything over {$5000.00} we have to placed a hold. Its a cashiers check money has already been applied to it. Im sorry we dont know if its real. You are kidding me? As much as I come in here and as much as I deposit, and never once presenting a bad check for deposit in 2 years, your actually going to stand there and give me that kind of explanation? And the bank is less than a block away from you, and their phone number is on the check, call them!? Im sorry Navy Federal does not allow us to do that in our procedures. Ok explain this to me one day its {$250.00}, then its {$500.00}, then its {$2500.00}, and now today its {$5000.00}? So what is going on, because this tells me you have been holding funds from deposits from me and causing bad checks for the past 2 months now, EXPLAIN??????? Im sorry we dont make the rules this comes from corporate. Ok, so when I call corporate again about this I can tell them to quit lying to me that its a branch decision, right? Yes, it is corporate. I leave I call corporate and ask for answers. CORPORATE, and one representative and 4 supervisors all say all of this is the branch decision and they have no policy as such to hold a cashiers check, or money order ( which they have in the past ), and that the branch made the decision not corporate, and they could have called the issueing bank if they had a problem with the check and verify it, and that they could not do anything after the branch placed their hold. And, coming from CORPORATE, they said well for future reference you can deposit at the ATM, and its only a 24 hour hold. When I told corporate all of this Im writing right now, they said I can not understand why they are doing this to you, and none of this has ever came from corporate. WHAT?!?! When I went back to the branch to discuss what their CORPORATE said they stated I do not know who you talked to but it is a corporate policy. OK first let me see this policy you speak of, they tell me that there is nothing they can give me the customer to see that it is for employees only. Second I gave them the names of who I spoke to and the branch said they was lying to me. When I called corporate in front of them they refused to talk to them stating they could not talk to them on a customer phone that it was corporate policy, corporate said no it is not and that corporate was making notation of this incident. Then I go in the branch a week and a half after this cashier check event with a {$3900.00} check from a very highly respected and well known customer. The teller says OK we are making {$1500.00} available today to you, and you can have the rest in 7 days. Needless to say I LOST IT, RIGHT THEN, RIGHT THERE!!!!!! I made sure everyone in the bank was staring me down and hearing the whole entire conversation. Immediately, not the manager, not the supervisor, but the teller said I can override it for you this time. REALLY!!!!!! What about all of these other times, why are you deliberately sabotaging our company? Why have you made it impossible for us to get money saved so I can go somewhere else? Why have you been doing this to me when someone with no authority at all can simply override? Let me tell you why!!!!!! Because all this time there never was a corporate policy. It comes down to numbers, and how good does XXXX XXXX look to the FDIC scoring. If a branch is not performing well enough they crack down on the accounts that have the highest activity, and do little things that the average person would not catch to get their scores up, and make them look as though they are such a excellent company with $ $ $ $ $ $ $ $ XXXX | ||||||
| 05/01/2022 | Yes |
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Web | |
| 1. Affidavit of Truth XX/XX/2022 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor lender executor, administrator, holder in due course for any and all derivatives thereof for the surname XXXX, XXXX, and I have been appointed and accepted being the executor both public and private for all matters proceedings, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that maybe, I depose the following facts, so be it, now present. Navy Federal Credit Union a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is, inaccurate, 15 USC 1681s-2. NO SIGNED PROMISSORY NOTE BY THE CONSUMER!!! Navy Federal Credit Union a person shall not furnish information relating to a consumer to any consumer reporting agency if ; the information is in fact inaccurate, 15 USC 1681s-2. Navy Federal Credit Union pursuant 15 USC 1666a REPORTS BY CREDITOR ON OBLIGORS FAILURE TO PAY AMOUNT REGARDED AS BILLING ERROR After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) REPORTS BY CREDITOR ON DELINQUENT AMOUNTS IN DISPUTE ; NOTIFICATION OF OBLIGOR OF PARTIES NOTIFIED OF DELINQUENCY If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) REPORTS BY CREDITOR OF SUBSEQUENT RESOLUTION OF DELINQUENT AMOUNTS A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. Navy Federal Credit Union is currently re-aging my consumer report to keep me the consumer in the negative, pursuant 15 USC 1681c Requirements relating to information contained in consumer reports. The term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, which would cause a reasonable person to have substantial doubts about the accuracy of the information. 1. Navy Federal Credit Union you can not produce documentary evidence/promissory note with my wet signature, agreeing to this their empty disclosures or inadequate notice, pursuant 15 USC 1602 ( k ). 2. Navy Federal Credit Union has refused to directly address my proven claims that the promissory note contains numerous violations to TRUTH in Lending, Fair Debt Collection Practices Act, Fair Credit Reporting Act. 3. This is further proof Navy Federal Credit Union is in the business of financing extortionate extensions of credit and will use unconscious able means to collect on those loans, Pursuant 18 USC 893 Financing extortionate extensions of credit and 18 USC Collections of credit by extortionate means. Documentary evidence attached will show a letter refusing my right to rescind this transaction pursuant 15 USC 1635, and unsigned promissory note. Observe the date and applicant signature section. Signature section is blank, unendorsed. NAVY Federal credit Union can not a promissory note with that date and my wet signature, also NFCU references Title 18 U.S, Codes, section 1014 in the same signature section. Under the same Title NFCU REFERENCES, I declare as a natural person, NCFU is guilty of 18 USC 892 Making extortionate extensions of credit, 18 U.S. Codes 893 Financing extortionate extensions of credit and 18 USC 893 Collection of extensions of credit by extortionate means. And I demand that anyone who is connected in these extortionate efforts be sentenced to the 20 years the U.S. Codes demand for such actions. 18 U.S. Code 892 - Making extortionate extensions of credit ( a ) Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under this section, if it is shown that all of the following factors were present in connection with the extension of credit in question, there is prima facie evidence that the extension of credit was extortionate, but this subsection is nonexclusive and in no way limits the effect or applicability of subsection ( a ) : ( 1 ) The repayment of the extension of credit, or the performance of any promise given in consideration thereof, would be unenforceable, through civil judicial processes against the debtor ( A ) in the jurisdiction within which the debtor, if a natural person, resided or ( B ) in every jurisdiction within which the debtor, if other than a natural person, was incorporated or qualified to do business at the time the extension of credit was made. ( 2 ) The extension of credit was made at a rate of interest in excess of an annual rate of 45 per centum calculated according to the actuarial method of allocating payments made on a debt between principal and interest, pursuant to which a payment is applied first to the accumulated interest and the balance is applied to the unpaid principal. ( 3 ) At the time the extension of credit was made, the debtor reasonably believed that either ( A ) one or more extensions of credit by the creditor had been collected or attempted to be collected by extortionate means, or the nonrepayment thereof had been punished by extortionate means; or ( B ) the creditor had a reputation for the use of extortionate means to collect extensions of credit or to punish the nonrepayment thereof. ( 4 ) Upon the making of the extension of credit, the total of the extensions of credit by the creditor to the debtor then outstanding, including any unpaid interest or similar charges, exceeded {$100.00}. 18 USC 893 Financing extortionate extensions of credit Whoever willfully advances money or property, whether as a gift, as a loan, as an investment, pursuant to a partnership or profit-sharing agreement, or otherwise, to any person, with reasonable grounds to believe that it is the intention of that person to use the money or property so advanced directly or indirectly for the purpose of making extortionate extensions of credit, shall be fined under this title or an amount not exceeding twice the value of the money or property so advanced, whichever is greater, or shall be imprisoned not more than 20 years, or both. 18 U.S. Code 894- Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. ( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. NFCU can not produce a promissory note with wet signature. NFCU does not have my permission and never had permission to report this alleged debt. NFCU has used my identifiable likeness against my permission in an effort to destroy my credit character and extort money from me the natural person. That is a violation of the following. 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. | ||||||
| 06/16/2023 | Yes |
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| I am a XXXX and XXXX man inhabiting the north american geographical continent and a Consumer of which my consumer rights and human XXXX XXXX rights have been violated from day 1 it was not in my best interest to be made surety for the contract and i reserved all rights to protect my rights also to notify them that i wanted them to return the interest from the sale of the note to me with the actual deposit that i am owed for allowing them access to my credit to finance this consumer transaction and this complaint is 10 fold ( multiple continues violations of all laws pertaining to my consumer rights the Uniform Commercial Code and the supreme laws of the land including all treaties made ) all of these actions and violations have negatively effected me and my right to privacy and as a living alive man XXXX, have damaged me purposely, its no way after a year of disputes and notices that the agents doing business as NAVY FEDERAL CREDIT UNION can say they didnt know they were breaking the law and violating me and my rights to be secure in my papers and life. All private property is claimed mine and held in private all assumed power of attorney over me my estates are revoked and any thing in business within my will in equity is to return to me, all other assumed power of attorney is revoked null and void. see attachments below. These consumer account violation starts on XX/XX/XXXX until the current day involving # XXXX check draft XXXX and the continues willful violations against me the living consumer ( 1 ) involves a consumer credit transaction, ( 2 ) my checking account being suspended during this dispute as an adverse action by NAVY FEDERAL CREDIT UNION agents involving NAVY FEDERAL CREDIT UNION and its agents, ( 3 ) violations of the FDCPA 15 U.S.C. 1692-1692p these violations include but are not limited to 15 U.S.C 1681 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( 4 ) agents of NAVY FEDERAL CREDIT UNION and its subsidiary trustee bank NAVY FEDERAL XXXX XXXX XXXX violations of the U.S. Securities Exchange Commission under registered securities 31 U.S. Code 3104 - Certificates of indebtedness. ( 4 ) NAVY FEDERAL CREDIT UNION and its agents are also DEBT COLLECTORS as listed in the definitions and laws of the FDCPA-15 USC 1692 803 ( 6 ) 806 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal pur15 USC 1692a 4 803 15 USC 1692a pose of which is the enforcement of security interests. The term does not include ( A ) through ( F ). FCRA 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 5 ) NAVY FEDERAL CREDIT UNION its agents are reporting my private information to credit reporting agencies and are contacting me as a debt collector by mail and over the phone saying AND I QUOTE " this call is an attempt to collect a DEBT '' and has contacted even after i informed them to cease and desist told the they are violating the FCRA the FDCPA AND THE UCC -VIOLATION of the FDCPA USC 1692c and is blatant HARASSMENT causing me duress. Under the Fair Debt Collection Practices act 5 USC 1692d 806. Harassment or abuse, not only that they continue to mail letters requesting a collection of a debt. It is too much for me to write on here but if have sent multiple Affidavits and notices to them letting them know they are violating me and to stop cease and desist. ( 6 ) VIOLATION OF THE TRUTH IN LENDING ACT 15 USC 1605. Determination of finance charge ( a ) " Finance charge '' Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( b ) ( 1 ( 2 ) ( c ) none of these were listed in the finance charge and voids the contract also i requested full disclosure of which i have not ever gotten. I also sent them a Affidavit of Truth demanding remedy which is my right as a consumer to specific remedy of which without my credit and or endorsement NAVY FEDERAL CREDIT UNION and all other acting Banks would not have any consumer transactions without us as consumers giving the access to our private information and financing these transactions. ( 7 ) violation of- 2000 US Code Title 12 - BANKS AND BANKING CHAPTER 2 - NATIONAL BANKS SUBCHAPTER IV - REGULATION OF THE BANKING BUSINESS ; POWERS AND DUTIES OF NATIONAL BANKS Sec . 95a - Regulation of transactions in foreign exchange of gold and silver ; property transfers ; vested interests, enforcement and penalties ( 2 ) Any payment, conveyance, transfer, assignment, or delivery of property or interest therein, made to or for the account of the United States, or as otherwise directed, pursuant to this section or any rule, regulation, instruction, or direction issued hereunder shall to the extent thereof be a full acquittance and discharge for all purposes of the obligation of the person making the same ; and no person shall be held liable in any court for or in respect to anything done or omitted in good faith in connection with the administration of, or in pursuance of and in reliance on, this section, or any rule, regulation, instruction, or direction issued hereunder. of which i informed NAVY FEDERAL CREDIT UNION and its agents that NO PERSON in good faith be held liable and to discharged all aledged obligations relating to my consumer transaction of which they responded i am liable for a debt they verified. ( 7 ) 18 U.S. Code 8 - Obligation or other security of the United States Violation, i requested the return of interest upon transfer of certificate of indebtness sent to navy federal credit union and its subsidiary NAVY FEDERAL XXXX XXXX XXXX of which XXXX XXXX response was they are seperate from NAVY FEDERAL CREDIT UNION eventho her signature is on the INDENTURE AGRREEMENT acting as trustee power attorney etc on all SEC 8-K 10-K /ETC FORMS. ( 8 ) 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption VIOLATIONS...... .NAVY FEDERAL CREDIT UNION has not given me remedy and is assuming power of attorney over me my estate and private property which is illegal unlawful and plainly foul. I can keep listing violations... on there debt collection letters violating all FDCPA laws USC 1692 ( B ) # 3 AND # 5, sharing private consumer information to credit reporting agencies, taking peoples notes to securitize and not sending the people there interest or dividends as they are registered with the SEC as securities transfer agents and on there forms they signed they agreed to transfer for any holder of original notes violating the holder in due course rule, notes are to transfer of PUBLIC DEBT for Bureau of the Fiscal Service, deceptive business tactics and practices, they even charged off the account and still sending letters stating this is an attempt to collect a debt. I requested full disclosure the original 1099 a they filed access to the double book keeping accounting books to prove they have my private information listed as the creditor of the consumer transaction ... ..i can go on and on but i will up load as many documents as possible i have been burning so much energy with these agents DOING BUSINESS AS NAVY FEDERAL CREDIT UNION . I DEMAND THE INTEREST IM OWED, THE RELEASE OF LIEN OR SIK FORM, THIS REMOVED FROM ALL CREDIT REPORTS, THEM TO RETURN THE 3 TRANSACTION THEY TOOK OUT OF MY CHECKING ACCOUNT DURING THIS DISPUTE, THE ORIGINAL CERTIFICATES ( 5 ) THAT I SENT VIA REGISTERED MAIL TO NAVY FEDERAL AGENTS UNDER REGISTERED MAIL # XXXX TO XXXX XXXX XXXX XXXX AND XXXX XXXX UNDER REGISTERED MAIL # XXXX TO BE TRANSFERED TO THERE EXCHANGE AGENT ON MY BEHALF AND IF THE SENT THEM TO BE SECURITIZED /SOLD THEN SEND ME WHAT I AM OWED FOR ALL THE CERTIFICATES/ SECURITIES II SENT, ALSO {$1000.00} PER VIOLATION of the FCRA, THE FDCPA , THE TRUTH IN LENDING ACT, TILA and Regulation Z, UNIFORM COMMERCIAL CODE, CONSTITUTION, AMERICAN INDIAN ACT VIOLATIONS, AND I AM OWED 2 times the amount of the certificate of indebtness face value by law which is ( {$36000.00} ) x2. this is my last attempt to remedy this awful situation. EACH ACT SEPERATE VIOLATIONS so if its 10 violations of the FDCPA that is {$10000.00} and then FCRA is 10 violations that is {$10000.00}, and so on. Because they have been willful in an attempt to opress me and causing me duress affecting my ability to do business in the real world on purpose USC 1692 ( D ) HARRASSMENT AND ABUSE not to mention i am an XXXX man a XXXX what foreigners call us is XXXX XXXX we the XXXX XXXX have been oppressed enough by you bankers and society politics. The same remedies these bankers are using for each other we the people are entitled to also all my private property in real is held in trust. we the XXXX XXXX peoples have been oppressed enough. ****attaching only a few records but i have all 140 pages***i am uploading copies of documents they sent back also they dishonored tender tender of payment under ucc section 3-604 which is discharge of all obligations they returned the tender and did not remove the obligations or refund my equity. I have the right to self preservation, self determination, the right to manifest, and the right to discharge all alledged obligations which are not ever mine but soley the UNITED STATES CORPORATION. The XXXX has PUBLICALLY DENOUNCED THE DOCTRINE OF DISCOVERY ... .and its time to stop enslaving the XXXX people thru deceptive adhesion contracts expecially when the bankers are usurping finances intentionally is no reason for anyone alive to be held as surety. ** only some of the records uploaded below** | ||||||
| 09/19/2022 | Yes |
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Web | Servicemember |
| Re : XXXX XXXX XXXX XXXX XXXX dispute with Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Located in : XXXX XXXX XXXX XXXX XXXX I prepaid for my XXXX XXXX XXXX XXXX XXXX rental car ( reservation # XXXX ) rental car through third party, XXXX Despite XXXX XXXX XXXX being fully aware and in receipt of my prepaid rental, they charged my credit card nearly {$700.00} additional frivolous charges which will cost me over {$100.00} in credit card interest. When I took possession of the rental car, on Monday, XX/XX/2022, the vehicle broke down approximately 3-4 hours after I picked it up which I PROMPTLY reported to management AND l received a replacement rental car later the following day. Not only do I have all of my text message exchanges that support management being fully aware of the disabled vehicle and assisting me with filing the disabled vehicle report, I was also told to catch an XXXX back to my hotel as well as XXXX XXXX XXXXXXXX management assured me they would reimburse my XXXX and prorate my bill due to the vehicle breaking down. Throughout my reporting the rental car breakdown, I agonized with the manager XXXX regarding my time sensitive XXXX XXXX that I traveled from XXXX to have and was scheduled for my XXXX XXXX early the next morning ( which I also have documentation of ). During the conversation, XXXX made it explicitly clear that she was unable to get me a replacement rental that evening because her office was closed and she just picked up her XXXXXXXX XXXX. When she informed me of having her XXXXXXXX XXXX in the car, she expressed concerns about not feeling safe traveling downtown XXXX XXXX so she was limited in her options that evening. The ONLY immediate resolution she could offer is asking me to catch an XXXX to my hotel then send her the receipts for reimbursement. Again, she was fully aware of my being in town for my early morning XXXX XXXX appointment and assured me she would assist with the replacement vehicle once I returned from XXXX. I also texted her a copy of my *prepaid* garage parking pass AND she spoke with the parking garage staff that attempted to assist me via speaker phone to advise of XXXX XXXX XXXX decision to leave the rental car overnight. I feel it is also important to mention, when I discovered the way this company was handling my account, I researched the company and found a number of customers endured similar experiences with their rental car breaking down only to be charged astronomical fees and not given an explanation for the charges. The point that I am trying to make is the XXXX XXXX XXXX XXXX in particular has an overwhelming percentage of customers that endured fraudulent charges on their credit card wherein nobody within the XXXX XXXX XXXX chain of command will answer WHYYYY they added the charges on prepaid rentals. The following day, I communicated with XXXX to ensure she was still going to reimburse my XXXX as well as deliver the replacement rental. While XXXX responded to my initial inquiries regarding this matter, she eventually stopped answering my texts and calls once she texted me and had the replacement vehicle delivered to my hotel. After discovering XXXX stopped returning my calls shortly after the replacement vehicle was delivered to me at my hotel, I made repeated attempts to speak with a manager regarding my XXXX reimbursement and prorated bill. Not only did management ignore my calls, the local office told me they were inundated with customer requests so I need to give them time to investigate. Within days of returning home to XXXX from my vacation, I noticed several charges on my credit card and called to inquire about the charges. I made NUMEROUS attempts to reach various levels of management and NOBODY followed through on my attempts to understand the charges. During this stage of my inquiry, even the rental car customer service office did NOT try to provide a response! I eventually wrote a XXXX complaint; filed a bank dispute; sent emails to XXXX and wrote a review. After a nearly two months, XXXX XXXXXXXX XXXX sent me an email claiming I abandoned the rental car and it had to be towed when they were FULLY aware of the disabled vehicle! They outright IGNORED all of the irrefutable texts ; recorded calls and videos that I sent to XXXX XXXX XXXX MOST IMPORTANTLY, A DISABLED VEHICLE WOULD HAVE HAD RO BEEN TOWED ANYHOW SO THEY PROVING MY SUSPICION THAT THEYRE KNOWINGLY SCAMMING CUSTOMERS THAT FILED SIMILAR COMPLAINTS! I have waaaaaay more evidence that I sent ALL parties but I am not getting a response from Navy Federal credit union management. They even closed my first claim within 24 business hours of filing as opposed to FULLY investigating the matter. During this hellacious ordeal, the XXXX XXXX XXXX also agreed to pay for my XXXX AND reimburse the XXXX day that I did not have use of the rental. Instead, they made excessive charges on my credit card and outright REFUSED to return any of my calls. I even sent management XXXX receipts, videos and photos that they requested. Yet, during the first two months the rental car company outright ignored my calls and texts! When I made REPEATED attempts to further investigate WHY they added charges to my credit card, XXXX XXXX XXXX STILL would not give me any intelligible response other than the matter is being investigated. I then filed a complaint with XXXX XXXX and XXXX. I wanted XXXX XXXX to be aware of my experience as well as raise awareness of the company reviews due to XXXX XXXX XXXX refusing to answer my inquiry as well as transferring me back and forth to the line that was supposed to be designated for management only to be told that I should be speaking with the customer service department. Once I became relentless in my inquiries/complaint, XXXX XXXX XXXX made false allegations claiming they charged my car due to the disabled vehicle twas abandoned! Not only do I have a plethora of text messages from the rental car manager XXXX that prove the company was fully aware of the rental car breaking down within a few hours of my driving the vehicle ; I also have text messages that show the rental car manager XXXX had extensive conversation with me regarding their commitment to pickup the disabled rental car ; she also asked me to submit my XXXX receipts for reimbursement AND she facilitated the delivery of a replacement rental car to my hotel. I feel it is important to reiterate, XXXX actually spoke with the parking garage staff where the vehicle was disabled and asked permission to leave the vehicle overnight until she could make arrangements to pick the disabled vehicle up during business hours. Given XXXX 's request to leave the disabled vehicle at the garage overnight, I took thorough videos of the rental car for my records so it would be clear that I left the vehicle in pristine condition. When I did not receive clear answers about the charges, I sent the pictures and videos to XXXX XXXX XXXX to prove the pristine condition of the car when *the rental car company asked me to leave the vehicle in the parking facility where it broke down* and they will retrieve it in the morning. Despite the plethora of evidence that proves the rental car company was fully aware of the vehicle breaking down, they had the audacity to send me an email changing the story claiming that I abandoned the vehicle and it had to be towed. When I continued to provide supporting documentation in my XXXX complaint, XXXX XXXX XXXX changed their excuse for the charges yet AGAIN. They now claim that the charges are due to having the vehicle towed because I never prepaid for parking and that I never returned the keys to them which my text exchange with the manager, XXXX proves they LIED! The parking garage where the vehicle broke down was FULLY aware of the vehicle breaking down and gave permission for management to leave the vehicle overnight because the manager XXXX indicated they did not have anyone working after hours to pick up the disabled vehicle and she had a XXXX XXXX as well as she did not feel safe driving to the location to pick up the car. Not only did I pay to park in the garage, management had sufficient opportunity to get the keys for the rental car. Instead, they outright LIED for the last three months and refused to return my calls! They not even acknowledging how a customer NEVER should have to deal with a disabled rental car which took significant time out of my vacation. Nor have they reimbursed for the XXXX as promised ; they also have NOT prorate my bill for the time I did not have the rental. Instead they REPEATEDLY LIED which I will seek accountability!! I eventually received a call from the supposed XXXX XXXX XXXX risk management representative representative about two weeks ago. He was not the least bit of concerned about my evidence and claimed he would call me back within 72 hours which he NEVER followed through on! Instead, they submitted the final claim that the charges are valid due to the *disabled* vehicle having to be towed! BASED ON MY EXPERIENCE AND THEIR BLATANT CUSTOMER ABUSE, I BELIEVE THEYRE REMOTELY DISABLING VEHICLES IN THEIR SCAM WHERE THEY CHARGED OTHER CUSTOMERS NEARLY {$700.00} EACH TIME THEY ENDURED VEHICLE BREAK DOWN! Initially, I thought they mightve been trying to charge me fees because the parking facility that they requested I leave the vehicle at charged them {$15.00} for overnight parking. Whatever the case for such egregious charges, it is cruel to ignore a customer for several months then add astronomical fees on my reservation in addition to what I already paid for the rental car! It should be further noted that XXXX XXXX XXXX has thousands of reviews that show other customers endured frivolous charges with this company. I am devastated beyond repair! I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My days are filled with taking care of family responsibilities. Meanwhile, this greedy unscrupulous company has abused the process of stealing money from customers!! This company is a MAJOR SCAMMER! I read their reviews and noticed many customers had similar experiences. | ||||||
| 12/22/2022 | Yes |
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| On XX/XX/2021 consumer XXXX XXXX, delivered to Navy Federal a signature on the promissory note. According to Security Exchange Act and the FTC 16 CFR this contract was a PURCHASE MONEY LOAN ( define below 433.1 ) On the Contract which is attached to the complaint Navy Federal has said they gave the consumer XXXX XXXX cash loan. According to 12 CFR 1026.4 A finance charge is the cost of consumer credit, it does not include any charge of a type payable in a comparable cash transaction, in which I paid a {$11000.00} down payment when I was not suppose to. 433.1 Definitions Purchase money loan. A cash advance which is RECEIVED by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. Navy Federal NEVER gave XXXX XXXX any cash loan. According 15 USC 1666 ( b ) ( I ) ( 2 ) Make appropriate corrections in the account of the obligor, including the crediting of any finance charge on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change in the amount indicated by the obligor so requests, copies of documentary evidence of the obligors indebtness; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and upon request of the obligor,, provide copies of documentary evidence of the obligors indebtness. XXXX XXXX has asked Navy Federal to prove their claims by sending documentary evidence thats true to consumer/obligors indebtness if any. Navy Federal sent documents such as a copy of a check and a monthly statement, that the consumer did not request for. According to Title 45 CFR 501.6 Documentary evidence. Documentary evidence may consist of books, records, correspondence or other documents pertinent to any hearing, examination, or investigation within the jurisdiction of the Commission. When consumer requested that Navy Federal provide documentary evidence by opening the books of this account from the inception or do not contact consumer unless providing proof, Navy Federal took upon themselves to retialiate and put a NOTICE on my account ( there is an attachment ) deceiving me as if the debt was settled on their end. Also sending contradicting statement and saying they are attempting to collect the debt but on the other end of their mouth saying my account is only for information purpose only and no attempt to collect a debt. Both attachments are attached. Also how could they claim to be a non-profit when they are threatening me saying this is an attempt to collect a debt but on the other hand this is not an attempt to collect a debt, this is an example of abusive, deceptive, practices. I filed a 1099A which is attached because Navy Federal was reluctant to respond according to federal laws and united states codes. Which the IRS department accepted and Navy Federal XXXX should have been updated but they kept trying to collect a debt that has been satisfied by sending debt statement through the mail requesting that I make payment with federal reserve notes, checks, debit cards, etc which is considered mail fraud according to US Justice 18 U.S.C. SECTION 1341ELEMENTS OF MAIL FRAUD, also violations of 16 CFR CH 1 SECTION 444.3 and 16 CFR 433.2 under the federal trade commission guidelines. A promissory note is a security which the bank buys from the consumer so how did it turn into certificate of indebtness. Navy Federal has put deceptive, abusive language in the contract about the collateral being used for the the security of the debt aka repossession when the promissory note with my signature was the security, there is no signature from the bank, therefore the security instrument was signed sealed and delivered to Navy Federal the e-sign. According to the security Exchange Act a promissory note is a security. According to Federal Courts cases, it is well established that a bank has not power to lend its credit to another by becoming surety, indoser, or guarantor for him Farmers and Miners Bank v. Bluefield Natl Bank all contracts entered into by its officers are ultra vires Howard & Foster Co. v Citizens Natl Bank of Union The retail installment agreement did not mention or have the necessary provision 433.2 Preservation of Consumers Claims and Defenses, Unfair or Deceptive Acts or Practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of Section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS 4 5 HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER On XX/XX/XXXX I paid in electronic cash transfer {$2200.00} for the months of XXXX and XXXX before paying I said I want this payment to XXXX and XXXX payment, Im not sure what Navy Federal did with the transfer They have listed on my account its paid but is still saying I owe for XXXX. However I really dont owe them and need them to prove my indebtness. GAAP PRINCIPLES OF DEBIT AND CREDIT Every month the statement that Navy Federal mail ( in attachment ) comes in a positive balance, how is such a thing. When something is owed it merely comes in a negative such as - {$300.00} exemplfying a debit but a statement that comes in {$300.00} exemplify a positive and always indicate liability on the issuer part in this case Navy Federal. In this example the statement the company sent, according to security and exchange commission act of 1934 the top of the statement is considered the Bond and the bottom part is considered the dividend proceeds that the bank never gives to the consumer. Inadvertently I gave Navy Federal permission to keep the proceeds because I did not understand the contract was unilateral and not mutual agreement. LATE CHARGES According to 15 USC 1681 ( 2 ) ( 3 ) ( A ) RULES OF CONSTRUCTION, Exclusions : The term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Late charges are illegal when it comes to illegitmate consideration and reporting the experience on the consumer credit reports. The bank did not give me a loan. I gave them a security instrument evidenced by my e-signature. They used my signature as cash value. They have also reported erroneous to my credit report and I choose to opt-out of reporting from Navy Federal on my credit report, according to 15 USC 6508 and according to 15 usc 1602 I am a federal protected consumer. Conclusion So banks borrow from the public. So that much weve established. What about lending? Surely theyre lending money. Umm. No, they dont. Banks dont lend money. Banks again, at law, its very clear. Theyre in the business of purchasing securities. Usually what happens is : Conumer says I want a loan. Banker : Fine, heres the loan contract. Heres the offer letter. And consumer signs. At law, its very clear, the consumer have issued a security. Namely a promissory note. And the bank is going to purchase that. Thats whats happening. What the bank is doing is very different from what it presents to the public that its doing. How does this fit together? The bank will say youll find it in your account with us. That would be technically correct. If they say, well transfer it to your account, thats wrong because no money is transferred, at all, from anywhere inside the bank or outside the bank. Now it also owes the consumer money [ for the promissory note ] and its record of the money it owes me and what I thought I was to get as money came in the form of loan and was charged interest which is security fraud. And thats all it is. That is how the bank created the money supply. The money supply consists to XXXX percent of bank deposits and these are created out of nothing by banks when they lend. Because they invent fictitious customer deposits. They simply restated, slightly incorrectly in accounting terms what is an accounts payable liability arising from the loan contract having purchased my promissory note as a customer deposit. But nobody has deposited any money. I wonder how the FCA [ Financial Conduct Authority ] deals with this because in the financial sector youre not supposed to mislead your customers. The 'private ' side of a bank 's ledger and the 'public-facing ' side. My account is actually an " Accounts Payable '' on the 'private ' side of the bank, on their bookkeeping ledger. I created something of value by completing the 'loan application ', which is really an IOU to pay dollars. Then then Navy Federal exchanged this for a BANK IOU/accounts payable entry that then use as money but was no more than an exchange note for signature, they used my signature as cash value and then fraudently put it on their books as a loan given or cash given according to the contract. However, I never received cash or return of my promissory note stamped or debt satisfied.. Therefore a 1099A and 1099B was filed and accepted by the Treasury deptment and will be updated as discharged on my taxes when taxes are to be filed. | ||||||
| 10/25/2022 | Yes |
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| On Friday, XX/XX/2022, {$45000.00} was deposited into my Navy Federal Credit Union Checking account via XXXX XXXX On Tuesday, XX/XX/2022, Navy Federal froze all my accounts and placed a hold on {$15000.00}. This was the remaining balance after 15 transactions. Upon inquiry to Navy Federal regarding the hold, they informed me the deposit was alerted by XXXXXXXX XXXX as a deposit into the wrong account. I stated to NFCU, that it was not in the wrong account. My account was the correct account, and I can prove it. I received a call on XX/XX/2022, from NFCU asking about the deposit. I explained the situation and did NOT give my consent for the funds to be returned. I was asked a second time by the representative about my consent to return the funds. I denied it by saying no. I do not consent to my funds being returned. Those are my funds. How did the $ XXXX deposit become a transaction in question? Because my business partner sold a property in his name. He instructed XXXX XXXX to deposit the funds into my account directly. As this business relationship soured, he went behind my back, lied to XXXX XXXX, and told them he gave them the incorrect account information. After he received his cash withdrawal from the transaction. Which I can prove. My portion owed from the $ XXXX was {$15000.00}. His portion was {$25000.00}. Which equals {$40000.00}. {$5000.00} was utilized to remedy existing business expenses paid from my account for both of us. Which I can prove in receipts to 3rd parties. The bank has the receipts also as a record of transactions. This business relationship I can also prove this, and I am also his legal power of attorney. Therefore, the amount of money frozen was my $ XXXX. The remaining balance. As NFCU investigated the so-called fraud, I was never contacted other than that one phone call. I have never received not one letter, email, NFCU app e-message, or text. To this date of this complaint, XX/XX/2022, I have not received any written correspondence from NFCU in regard to this matter. I have not been officially notified by written correspondence of a fraud investigation on my account. The communication has been one way, me calling NFCU to be updated on my account status. Friday, XX/XX/2022, I called NFCU at XXXX. I was on the phone until XXXX XXXX. Three and a half hours. In an attempt to discuss this matter and gain in-depth details about it. I called at XXXX and spoke to XXXX. She informed me that {$9000.00} was returned to XXXX XXXX. {$6000.00} was pending review. The security department authorized the decision based on the fraud investigation. The processing department is who actually issued the refund. I was then transferred to XXXX in the Wire department. From there I was transferred to XXXX who informed me to speak with the security department. I was on hold for 45 minutes when I decided to call on the other line to see if I was forgotten. That's when XXXX informed me the wait time was over 2 hours because it was 90 calls before mine. Clearly, this wait time is unacceptable, yet NFCU seems to be perfectly fine with allowing customers to wait that length of time. So I asked to speak with a supervisor. I was then transferred to XXXX. She informed me it was a 1 to 3-business-day wait on the security department. She advised I call back in the morning at XXXX XXXX. It was a Friday, so Monday was the next business day. I then asked about the wait time at XXXX XXXX, and if it is guaranteed, I would be connected to a live person. She informed me the wait time is still 2 hours, but it's best to call when they open. I asked, how is it best if it's not guaranteed I won't be placed on hold 2 hours because those 90 other people aren't calling then also? I was in disbelief that NFCU was aware of the absolutely unacceptable wait time yet is allowing it. No alternative was offered other than calling back and waiting. XXXX seemed to be impatient with my questions about the quality of the customer service. She withheld the name of her supervisor. When I asked to speak with the supervisor to complain about the wait time. She said ma'am there is no solution for you in this phone call. I agreed and asked how in XXXX an international banking institution doesn't have a phone call queue set up. When the wait time exceeds 10 minutes, the phone number is placed into a call-back queue, and when the number reaches the top, the number recorded is then called back. She agreed to escalate my complaint to a XXXX XXXX. Which I have not heard from until this present time. Regarding my {$15000.00}, $ XXXX was returned without my verbal or written consent, and the $ XXXX that is pending review was also escalated to Supervisor. A 3-4 business day wait for a return call. Upon my 3-and-a-half-hour phone call and wait time these questions were asked and could not be answered. Question 1 : How was the investigation conducted? I have been banking with NFCU for 13 years and have experienced 4 fraud investigations that I initiated, and 2 XXXX initiated. Of them I was called and questioned, a letter was sent, and the proof was requested to be submitted. If I needed to prove anything on my behalf. At this point, I was transferred to XXXX in the security department who was working remotely from home. To answer my question, I was put on hold. When he returned, I was told that XXXX XXXX requested the funds to be returned due to the money being deposited into the wrong account. Question 2 : How did XXXX XXXX prove the deposit was placed into the wrong account? His answer, once a bank sends an inquiry to NFCU about an incorrect deposit, NFCU simply honors the inquiry and returns the funds. They are required to do this. Its policy. Question 3 : Can I have the policy stated to me or can I find it on the website? He said he did not know the policy or where to find it. I asked whether he could find out. He placed me on hold and came back 15 minutes later and said it was an FDIC and XXXX guideline. I asked for specific guidelines. He could not recite it. Question 4 : So how does NFCU honor a request? What is the actual process? He answered after a 15-minute hold ; he said a Hold Harmless letter is submitted. XXXX XXXX submitted a Hold Harmless letter and NFCU honored it. So I looked up a Hold Harmless letter, and this is what I read : " A Hold Harmless Agreement is a contract between two parties designed to release one or both parties from legal claims. Most often, one party agrees not to sue the other party for any expenses, damages, or losses arising from a transaction or activity between the two parties. The agreement defines the activity or transaction for which the other party will not sue. A Hold Harmless Agreement may apply to one or both parties. Using this document is helpful when another is using your property or performing services for you. You may also be asked to sign a Hold Harmless Agreement when you participate in an activity hosted by another party. Other names for this document : Release of Liability, Liability Waiver, Hold Harmless Letter. '' ( www.rocketlawyer.com ) Question 5 : So NFCU signed a contract with XXXX XXXX without my consent? If the money was refunded, it was not your money XXXX said. Really? How can you say this with no proof? Question 6 : So if it wasn't my money why was I called and asked do I consent to a return of funds? I said NO! Question 7 : If the money was not mine why was the money returned on the 29th day and not the next business day of the inquiry? XXXX didn't know. The bank is required to respond in no more than 30 days for an investigation. Also, I was not notified of the agreement to disagree with it. Therefore I was added to a contract I had no knowledge of, and my funds were returned without my written or verbal consent. This is fraud. Question 8 : Who was involved in the investigation and why was I not notified in writing? XXXX said the bank does not have to notify me. The particular person investigating was not an individual but a multitude in the department. Question 9 : Is this a new policy that XXXX adopted, with no notification of investigation? He said no. I said this was the 1st investigation I was not asked to submit information. Question 10 : Other than the Hold Harmless letter, did XXXX XXXX provide any additional documentation of proof? Not that he sees or knows of. Question 11 : When will my {$6000.00} be reviewed for release? He can't say. He can not see that money on his screen. Question 12 : Who else is responsible for the decisions made on this transaction? That department or the checking/savings department. The supervisor is made aware of my request. In my opinion, NFCU committed a fraudulent act on my behalf by agreeing/making me a party to the Hold Harmless letter. The lack of investigation, no proof was asked of me to be presented to prove my side of the transaction is gross negligence on behalf of XXXX. I experienced discrimination, total disregard, unprofessionalism, injustice, and indecency. I was more than willing to cooperate. I called in 2x to inform NFCU of this. I waited 40 days to be disappointed by NFCU not working in my interest as a 13-year customer. Just as they have done in the past regarding investigations. Due to this treatment of injustice, I would not recommend this bank. Before this experience, I would have recommended it. This experience was eye-opening, and I am baffled by the handling of this situation and the phone wait time, which is all new to me. This has caused me a great deal of stress, anxiety, and migraines. My quality of life was greatly impacted. Upon this complaint, I demand a return of my funds to my account. | ||||||
| 03/01/2022 | Yes |
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Web | Servicemember |
| Emailed Mortgage Loan Officer Titled : " Application Submission Complaint '' 1. Mon, XX/XX/XXXX, XXXX PM ( XXXX hours ago ) to XXXX Hi XXXX : First off, thank you for your willingness to forward my complaint to XXXX, your Supervisor, so that he may forward to official channels. There should be an official channel for me to submit, but I trust that you will both do the right thing for me, a NFCU member. Next, I want to thank you for your thoroughness and excellent communication skills by keeping me informed throughout this process. Unfortunately, I can not say this for the previous Loan Originator, XXXX XXXX ( Please feel free to share this with him and his Supervisors ), which leads me to my complaint : Below is a chronological list of communications of events since I joined NFCU in order to apply for a Mortgage Refi. Cash Out Option : XX/XX/XXXX : Spent over XXXX hours at a local branch waiting to submit documentation to join NFCU. XXXX XX/XX/XXXX : Called in to check on my membership status and was informed that NFCU does not have certain documents that I presented while in person. I had to go back and resubmit those documents again! XX/XX/XXXX : Received a WELCOME email from NFCU. XX/XX/XXXX : Spoke to XXXX XXXX who instructed that I need to pay for a Credit Pull in order for us to move forward. I paid the {$20.00} non-refundable fee. XX/XX/XXXX : Received Initial Disclosures email from XXXX XXXX.??? XX/XX/XXXX : Received email stating NFCU received my Application. XX/XX/XXXX : -Received Initial Disclosures email from XXXX XXXX XXXX XXXX XXXX. -After reading, I called XXXX XXXX inform him that I am a 100 % XXXX Veteran and that I am not to pay the {$5400.00} Funding Fee that is included in the Loan Estimate. He stated that this was only an Estimate and my acknowledgement is only for receiving it. ( He also informed me that my XXXXnterest Rate was locked in for 60 days at 2.875 % ) -I asked him about how to submit my Award Letters and he stated, " There will be a time to do that later. '' XX/XX/XXXX : -I received an email asking me to take a XXXX minute survey, but there was no option to respond to the survey. -Received Outstanding Items email from XXXX XXXX well as a call indicating he was having issues getting my credit reports. He further stated that it will take 3-5 days to pull them once they are unfrozen. { I had issues with XXXX, but by XX/XX/XXXX, I had contacted all three Credit Bureaus to unfreeze my credit reports through XX/XX/XXXX. } XX/XX/XXXX : Sent email to XXXX asking where to upload my XXXX Letters and asked about rate drop ( 2.5 % ) ...? He did not respond. XX/XX/XXXX and XX/XX/XXXX : Received email from NFCU titled : " Denial Package. '' XX/XX/XXXX : Called XXXX- left a voicemail message. He responded via email stating he received my voicemail and that he was in a meeting til noon. He called me shortly after sending his email to inform me that he was still waiting on XXXX of the Credit Bureaus to report but he did not know which one...? He later emailed me at XXXX to indicate, " XXXX is not reporting. '' I contacted all XXXX Credit Bureaus again and it was confirmed AGAIN that all XXXX Bureaus were still unfrozen through XX/XX/XXXX. XX/XX/XXXX : XXXX called me concerned. He stated, " XXXX XXXX, I lost access to your account. '' " You will need to reapply, but do not pay for a credit pull a XXXX time as I will do a Tri-merger into your existing file. '' I expressed my cause for concern about submitting a new application and if there is a possibility of losing my locked in rate at 2.875 %...? He said something to the effect that he would do his best. I explained to him that I would be very upset if I lost it! I immediately called and reapplied over the phone with XXXX XXXX as he instructed. XX/XX/XXXX : -Received email from XXXX XXXX XXXX, : Denial Package Reminder '' -Received email from NFCU titled XXXX " Your new loan application. '' - You can complete online '' ... XX/XX/XXXX : Received email from NFCU indicating they have received, " Your Mortgage Loan Refinance Application. '' XX/XX/XXXX : Received XXXX emails from NFCU : 1-A Home Loan Advisor will contact you. 2-Additional Info Required 3-Initial Disclosures ( NEW INTEREST RATE INDICATED- NOW I'M VERY UPSET!!! ) XX/XX/XXXX : Received that infamous email again asking me to let NFCU know how they are doing by responding to a 3 minute survey with NO OPTION TO RESPOND! XX/XX/XXXX : XXXX effectively communicating with XXXX XXXX. She walked me through the Initial Disclosures and I submitted all the required documents at that time - Yes, in ONE day )! XXXX for XXXX. XX/XX/XXXX : Received email from XXXX titled, : Outstanding items to complete ... '' XX/XX/XXXX : Here we are today with XXXX informing me of sad news : that I lost my initial rate that was locked in for 60 days. BUT WE ARE JUST ON DAY XXXX ...!!!??? I still don't understand how this is possible or even fair?! If my experience from the inception of becoming a NFCU member will continue in this dubious manner, I am considering cancelling my membership! I HIGHLY suggest that NFCU conducts an Audit of the Rhode Island Office due to the Loan Officer 's inability to conduct due diligence ; provide timely communications ; reconsider documentation submission priority, as well as the number of applications a Loan Officer can handle for its Members. XXXX seemed overwhelmed throughout the process, even working from home. Oftentimes, he seemed like he didn't know who I was when I would call him. He would state, I'm not at my desk, so I will call you when I get back home. Granted, one time he was sent to the office to pick up the ( Company 's ) mail. ( Who knows, maybe I just kept catching him on his lunch breaks...?! ) Honestly, the interest rate actually dropped to 2.5 % after I locked in- I should be demanding that rate. NFCU Mortgage Loan Originators / Application Decision Makers appear to be partial. I demand that the dropdown to 2.5 % interest rate be honored and that we may proceed with the Refinance in a competent and equitable manner. I am prepared to pay the Appraisal Fee upon If neither the 2.5 % nor the 2.8 % rates will NOT be honored, I will be forced to submit governmental complaints due to inadequate or ineffectual fair lending compliance. However, I do hope that we can resolve this amicably, as I am prepared to pay the Appraisal Fee. I look forward to hearing the good news! Thank you, XXXX. XXXX AM ( XXXX hours ago ) to XXXX Thank you XXXX. I forgot to include a very important detail in my complaint. Please add the following information : XX/XX/XXXX : XXXX stated that for VA XXXX they need all three Credit Bureau reports. XX/XX/XXXX : In my phone conversation with XXXX, he stated that once he saw my scores he submitted the 2 Credit Bureau reports that he had ( XXXX and XXXX ). He further stated that unfortunately for VA loans they need all three. My question to him was why would you submit my file with 2 Bureau reports when you need all three ...? He responded by stating that he was under a timeline. If that was the case, he should have contacted and communicated that information with me before I had to call him to question the email I received earlier that day ( XX/XX/XXXX ) regarding a Denial Package Reminder. Please fwd. Thank you. Today ( XX/XX/XXXX ) XXXX called me to confirm that she forwarded my complaint to her Supervisor responsible for escalations ( XXXX XXXX ) and Manager, and that I should expect a call today from XXXX today. I received a call from XXXX at XXXX who informed me that he submitted my complaint to the " Pricing Desk '' who controls interest rates ; and they rejected my request to change my interest rate. He further stated that he will forward my complaint to the previous Loan Officer 's Manager at least for a coaching opportunity. He confirmed that you can actually change ( lower ) your rate 2 times once you lock in a rate - this changed last year. He also confirmed that he is XXXX 's Direct Boss and that XXXX XXXX is the Branch Manager. He offered me an opportunity to pay a 1 % Origination Fee ( {$1500.00} ) to get my initial locked in rate ( 2.875 % ), but that it would come out of the XXXX XXXX that I will receive. I informed him of my understanding that they have a way of verifying rates and that I will submit a complaint to every governmental agency responsible for NFCU 's lack of providing and conducting due diligence. Background Information : The previous Loan Officer, XXXX XXXX, failed to communicate or conduct due diligence in a timely manner. He instructed me to reapply, but my application was reassigned. I'm sure he knew this was going to occur, but lead me to believe he would be able to do a Tri-Merger and proceed with the loan. Also, when I texted him the new Application number, he never responded. However, the following week he confirmed when XXXX called him, that I had already paid the Credit Pull fee. I feel that I received Disparate and Unfair Treatment for several reasons : 1. I did not provide them my race. 2. Due to the Previous Loan Officers failure to meet tasks and misleading me throughout the Application process. 3. The Statement of Denial checked the box, NFCU does not grant credit on the terms requested. It further states on the back, If you have any questions regarding this notice, you should contact : ( XXXX ) XXXX when you call that number it asks you for a XXXX code, which was not provided, and that is the only option on the call. Application # XXXX : XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) | ||||||
| 02/14/2019 | Yes |
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Web | Older American, Servicemember |
| XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Condo XXXX XXXX, GA XXXX XXXX Opening statement : On XXXX I received a call around XXXX ( estimate time ) from Navy Federal Fraud Department XXXX XXXX XXXX my cell phone # XXXX ( see attachment ) about a charge on my debt card and if I authorized it. I said NO PERIOD. The NFCU Fraud Representative asked me if I made a charge on my card at XXXX in XXXX, GA and I told her NO. This is before she verified that I was XXXX XXXX XXXX. I told her to stop payment on any transaction and she told me to destroy my card and I will get another in the mailed to my address on Friday and she verified my address without asking me. I told her that I am looking at my account and I dont see any unauthorized transaction but I will be going into the NFCU Bank in the morning. The Fraud Representative so Ok, and thank you for your Service and I hang-up. I call my Daughter- XXXX XXXX XXXX and told her what was happening because she use to work for NFCU Headquarters in VA and that when she told me that the NFCU Fraud had sent her a text to her phone on XX/XX/XXXX the same day regarding a fraudulent payment of {$400.00}. My daughter indicated to me that she didnt put all together until we spoke just minutes after I hang the phone up with NFCU Fraud Representative. I went into NFCU at XXXX XXXX XXXX XXXX location on XX/XX/XXXX about estimate time XXXX : XXXX to discuss these issues with them. At first a NFCU Representative sit me down and I told her what happen yesterday and she pull up my account that showed ( 15 ) pending Fraudulent transaction on my account totaling {$7400.00} and I ask her to shut the account down and she told me she couldnt because the transactions was pending. Right now, I am about to BLOW my top despite having a XXXX XXXX XXXX and medical issues that could kill me RIGHT THEN. I ask for a Supervisor and Ms. XXXX XXXX came over to access the problem. She saw the same fraudulent items on my account and I asked Ms XXXX to shut the account down, and she told me that the ( my reference ) fraudulent debits were in pending status and she couldnt do it. I was extremely argue at this point short of taken my rage out on them because they sit their and allowed my money to be taken by these criminals and did nothing to stop this from happening before my eyes. I was short of TAKEN MATTER IN MY OWN HANDS ( dangerous ), but I had too cool down or have another XXXX of XXXX I ask Ms. XXXX again why not shut the account down or freeze all assets until and the criminal elements ( activity has passed ) or walk away with nothing or the theft locations ( see attachment ) where they were doing this fraud wouldnt continue. They still refused to shut the account down, I was and still outage that they didnt do more on that day XX/XX/XXXX to avoid this pain for me regarding my money as it interferers with my health. Ms. XXXX told me that transactions had to get out of pending status and them they would get to the bottom of it and assured me my money would be refunded. By now my XXXX XXXX is boiling hot and I have to make my way to the VA XXXX XXXX XXXX that was schedule XX/XX/XXXX at the VA XXXX XXXX which is at XXXX VA XXXX. I went to my appointment with an unhealthy feeling. I would be taken directly to Emergency room if I didnt use the Doctors techniques and Gods blessing to get me to my appointment and home, despite later that day going to the emergency room at the VA XXXX XXXX and leaving they at XXXX XXXX XXXX XXXX the next morning. I went back to NFCU on XX/XX/XXXX and talk with Ms. XXXX again to get an update and she assure me that these issues would get resolved and she would aleast return the {$2800.00} to my saving account. That never happen instead they return {$1100.00} of the {$2800.00} out of {$7400.00}. This made me fairness and smoking mad. They made me feel like I was the criminal and this made me even angered me even more. THEY ALSO WENT INTO MY SAVING ACCOUNT AND TRANSFERRED {$2800.00} AND TOOK THAT TOO. This is unacceptable when NFCU policy regarding Credit and Debt Card Fraud says the following under the XXXX XXXXNavy Federal XXXX in Security on there website the following : What We're Doing for You Using state-of-the-art fraud prevention systems, our dedicated staff monitors your accounts for fraud and unusual activity and will notify you of any suspicious activity we identify. We follow strict safeguards when mailing out cards and statements, and verify your identity whenever calling in. To be certain that we reach you quickly, please make sure we have your updated contact information. In addition, our Zero Liability policy ensures that you won't be responsible for false charges to your Navy Federal Debit or Credit Card. If you plan to travel internationally or domestically, you can add travel notifications as an added safeguard. This allows you to use your Navy Federal Debit and Credit Cards when our fraud monitoring would normally question any purchases you make. There are three ways to place a travel notification on your account : Log on to Account Access and add a travel notification to your debit or credit card Choose the travel notification option on the Navy Federal mobile app* Call XXXX for 24/7 live phone support Please be sure to provide the location and dates of your travel, including stopovers if you'll have connecting flights. Etc.. Note : If the NFCU investigators look at my pass deposit or withdrawal they would see that this is not my pattern of withdrawals, period plus. This should have given NFCU Fraud Department an easy way to review this. I dont make these types of withdrawals period, furthermore I only been to XXXX, GA once in XXXX and I didnt have this NFCU account. Also I have never heard of XXXX, GA ever. I contacted the FBI and file a compliant with the FBI Field Office XXXX XXXX XXXX, XXXX, GA XXXX at XXXX XXXX ( Identity Theft ) to get them to investigate this case and NFCU to get my money back because NFCU seem to take this lightly. I also contacted and file a complaint with National Credit Union Association ( NCUA ), my congressman, and more. Referred back to : I ask NFCU Representative ( XXXX XXXX ) why they couldn't freeze the account when the fraud was still in the pending status on XX/XX/XXXX. I was in the NFCU office and Ms. XXXX told me that they couldn't freeze or stop the fraud actions. I told Ms. XXXX at the NFCU office that this sound crazy, because I am here telling you that this is fraud. NFCU let it happen and they want to shove this under the rough. Some investigation of my own : On XX/XX/XXXX I contacted my nephew which is police officer supervisor in XXXX XXXX and he told me to go to the Police station near me and put in a ( Fraud Investigation ) and I did just that or aleast I tried. I went to XXXX XXXX XXXX, XXXX, GA ( XXXX Police Officer XXXX ) told me that I had to file a report where the fraud happen in XXXX and XXXX, GA. I called several police stations numbers in XXXX and finally got a hold of a XXXX XXXX at the XXXX, GA police department and he told me that I have to go to the XXXX police station where I live i.e. back again calling the XXXX Police department location above. I also called XXXX Police Department and ask them the same thing, they told me there were close to XXXX, GA and that they are a small police force with know internet and know way to help me and that XXXX Police station should open the fraud case and they will look into it in XXXX, GA from the XXXX Investigation. I also called the XXXX in XXXX where several the fraudulent transactions took place and talk to a Manager at the XXXX # XXXX at XXXX XXXX XXXX, XXXX, GA XXXX and I asked him if anyone from the Fraud Department of NFCU contacted them regarding this issues and he told me know and he also informed me that he there Monday thru Friday and know one came in to review their cameras either i.e. because they have them to review when the investigators would come. Personal notes : NFCU is supposed to look out for us Veteran 's and they just throw me under the bus regarding handling this actions of Fraud, therefore sense the LAW in XXXX, GA won't deal with this I have asked the ( FBI ) TO GET THESE CRIMINALS AND MAKE NFCU RETURN MY MONEY despite the policy above that hold me ZERO LIABILTY. I hope my color as a Black man is not the reason NFCU is not acting accordingly to the policy above on their website. Final note : I am a XXXX Veteran ( XXXX XXXX XXXX XXXX ) with a variety of illnesses and I can't afford to let this kill me or lose this money because NFCU and the criminal are dishonest. When you catch the criminals I want them lock under the jail. I also contacted XXXX XXXX in XXXX XXXX, XXXX XXXX, and criminal fraud attorney to make this a news story and to resolve this Its a shame that I had to contact the FBI to get these criminals or anyone else to get me my money back. As far as I am concern NFCU is also the criminal and they have not handled this situation and assured me at any point the they are refunding my money back to me. I was also in the process of purchasing a home through NFCU Mortgage Department and my contract expired XX/XX/XXXX and I had to call my Loan Officer XXXX XXXX and my Realtor Agent XXXX XXXX of XXXX XXXX XXXX and postpone any further action with my mortgage lender. I am currently looking to get a Law Firm to address these issues and file a formal lawsuit against NFCU. They have put my life on hold and I am fade-up. I am Victim not the Criminal Review attachments | ||||||
| 01/24/2021 | Yes |
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Web | |
| I am a XXXX year old, XXXXAmerican male with a XXXX credit score, full-time employment, and a home that I have lived in and paid a mortgage for over 15 years. My LTV is approximately 60 % - excellent from an underwriting standpoint. I was referred to Navy Federal Credit Union ( NFCU ) for refinancing because of their low rates and reported good customer service. I applied and was approved to refinance my current 30 year fixed mortgage into a 15 year fixed. I learned that NFCU had a loan match program where they would provide a comparable rate from another lender. I was offered a 2.25 % /0 % Discount Points/0.25 Origination fee loan on XX/XX/XXXX by XXXX XXXX XXXX Mortgage Refinance Originator - see Exhibit 1. I was then assigned to XXXX XXXX, Mortgage Processor|NMLS : XXXX, to close my refinancing. I had questions almost immediately because my loan was classified as a jumbo, but my county ( XXXX County in Virginia XXXX has homes with high appraised values. I emailed Ms. XXXX on XX/XX/XXXX in regards to this concern. She promised to call me on Friday XX/XX/XXXX, but I did not hear from her. I followed up with her on XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail - see Exhibit 2. This would become a pattern for my interactions with Ms. XXXX. She would go weeks without responding to emails or telephone calls. On XX/XX/XXXX, I emailed XXXX XXXX and told her that I had questions and could not reach Ms. XXXX - see Exhibit 4. Ms. XXXX responded that she forwarded my request to Ms. XXXX and " reached out to her directly requesting that she contact [ me ] ''. I still did not receive a response from Ms. XXXX and on XX/XX/XXXX, I emailed Ms. XXXX requesting a manager that " I can call '' - Exhibit 4, page 3. I emailed MsXXXX XXXX one last time on XX/XX/XXXX - Exhibit 4, page 4, stating that I would seek out another lender if I wasn't contacted that day. Ms. XXXX never responded. On XX/XX/XXXX, I emailed XXXX XXXX - see Exhibit # 3 about my inability to " get into contact with XXXX XXXX '' and I also stated that I had some questions about my refinancing. I told her that I was disappointed with NFCU and would seek another lender if no one from NFCU gets into contact with me " in the next 24 hours ''. I had previously left phone messages for Ms. XXXX, Ms. XXXX, and MsXXXX XXXX. At some point, Ms. XXXX contacted me and stated that my loan was an " easy '' one as I had stellar credit, dependable employment, and a low LTV. We discussed loan structures as well. After thinking about my loan, I wanted to find out if I could get a lower rate without changing the cost structure of my loan. I emailed MsXXXX XXXX on XX/XX/XXXX, requesting this information - see Exhibit 5. I spoke with her about this and decided that I would buy down my loan so that it would no longer be a jumbo and I would get a rate of 1.875 %. I specifically stated that I wanted to keep the same cost structure as my original offer from Ms. XXXX i.e. 0 % Discount Points and XXXX origination fee. I agreed to the lower rate. On XXXX, XXXX, XXXX, I emailed Ms. XXXX - see Exhibit 6, noting that the Federal Housing Finance Agency had increased the conforming loan limit to {$540000.00} in XXXX. I also requested written confirmation that I could receive the 1.875 % rate beginning XX/XX/XXXX without paying the extra closing costs. Ms. XXXX did not respond. I emailed her again on XX/XX/XXXX - see Exhibit 6, page 2 and again on XX/XX/XXXX. Ms. XXXX finally responded on XX/XX/XXXX, but did not even answer my question about my loan and the increase in the conforming loan limit. I emailed her as such on XX/XX/XXXX, the same day. She did not respond. On XX/XX/XXXX, I emailed Ms. XXXX again - see Exhibit 7 and left her a voicemail regarding the conforming loan limit increase. Yet again, she did not respond. On XX/XX/XXXX, I emailed both XXXX XXXX and XXXX XXXX about my refinancing - see Exhibit 8. Neither responded. On XX/XX/XXXX, I emailed XXXX XXXX, Mortgage Production Supervisor, about my difficulty getting in contact with XXXX XXXX - see Exhibit 9. I had spoken to Ms. XXXX the previous week and she told me Ms. XXXX was " out of the office ''. In my email, I requested a point of contact going forward. Ms. XXXX, after having listened to my complaint about Ms. XXXX 's poor customer service and lack of response to my questions about the terms of my loan, informed me that " XXXX XXXX is [ my ] processor and will be [ my ] point of contact going forward. '' I couldn't believe that a supervisor would learn the level of dissatisfaction from a customer and keep the infracting employee on the same assignment. I wanted to cancel my application after this grossly inadequate response, but I felt I was near closing and perhaps Ms. XXXX would now provide at least adequate service. On XX/XX/XXXX, I asked Mr. XXXX for a closing timeline - see Exhibit 10. As I stated, I wanted to close as soon as possible. Again, Mr. XXXX never responded. On XX/XX/XXXX, I asked Ms. XXXX to contact me about my loan - see Exhibit 11. She responded at XXXX the following day that she would call me in the morning. After another email exchange, I eventually spoke to her. She told me that she was leaving town again and would not be back until XX/XX/XXXX. She said that I was scheduled to close on Wednesday, XX/XX/XXXX, which would provide her time to finalize any last minute details. She also said " I must be the worst loan processor you ever had '', to which I could not deny. On XX/XX/XXXX and XXXX, XXXX, I again emailed Ms. XXXX asking about my closing status - see Exhibit 12. Again, she did not respond. On XX/XX/XXXX, I emailed XXXX XXXX - see Exhibit 13 and filed a formal " Customer Service Complaint '' detailing the lack of responsiveness from XXXX XXXX - note I mistakenly put " Dees '' in my email, and XXXX XXXX. I informed her of my intention to file a complaint with the CFPB due to the poor customer service and repeated delays in closing. I also requested to close my refinancing " this week ''. On XX/XX/XXXX and XXXX, I emailed both XXXX XXXX and XXXX XXXX regarding my closing date. I requested to close by the XXXX. Neither of them responded. I later learned that Ms. XXXX was not in the office, but she did not have an auto " out of the office '' reply message activated on her email address. On XX/XX/XXXX at XXXX, Ms. XXXX left a voicemail for me. I returned her call at XXXX and XXXXleaving two voicemail messages for her. I spoke with XXXX XXXX on XX/XX/XXXX at XXXX. In this conversation, I detailed the deplorable customer service I have received from NFCU. I also expressed my frustration with not being able to get responses to questions about my refinancing. I told her that I was extremely unhappy and that this had been a " terrible experience '' for me and my family. On XX/XX/XXXX, I was supposed to close on my refinancing, but upon review of the costs, I realized that my prior questions about the terms were not resolved. Specifically, I was being charged discount points and a higher origination fee, which would cost me thousands of dollars more, so I emailed Ms. XXXX - see Exhibit 14. Ms. XXXX responded - 17 hours later and 2 hours before my scheduled closing that the costs were correct and I agreed to them that I agreed to the cost structure on XX/XX/XXXX when I e-signed the document. Please see my XX/XX/XXXX email where I informed Ms. XXXX that I did not e-sign the documents. I did say I wanted to move forward with a conventional loan at 1.875 %, but I never mentioned a change in price structure - see Exhibit 16. MsXXXX XXXX conveniently forgets the numerous unanswered emails to her from me in XXXX, XXXX, and XXXX regarding the new conforming loan limits and my closing costs. Ms. XXXX stated that she was " not going to do this back and fourth with [ me ] '' - but isn't that her job? To explain and answer questions is what I was told her responsibilities are. This was totally unprofessional. Had she gone back and forth with me previously, this whole situation would have been avoided and I would have closed months ago! XXXX XXXX called me after my emails in Exhibit 14. She acknowledged that Ms. XXXX did not follow proper NFCU protocols and certainly did not live up to their customer service standards. I told Ms. XXXX that she was to blame as well as I had reached out to her directly and she didn't respond. She only called when I stated my intention to inform CRPB and the National Credit Union Administration. I told her the only resolution is to " make it right '' by me. Ms. XXXX is guilty of misrepresentation, negligence, grossly inadequate customer service, unprofessionalism and attempting to force me to sign a contract that I did not understand as exhibited by my numerous unanswered inquiries to her. She is not solely culpable, as her supervisors and colleagues were also made aware of her incompetent handling of my refinancing. I have suffered from extreme stress and anxiety surrounding this experience with NFCU. My credit has been lowered as Ms. XXXX 's delays caused my credit report to expire and have to be pulled again. I question why a customer like myself with sterling credit, a low LTV, full-time employment, bank savings, and a stock portfolio would be treated in such a manner. I begrudgingly supplied racial background information to NFCU and I can't help but to wonder if that played a factor in my treatment here. Ms. XXXX herself stated that my loan was " easy ''. Why did NFCU make it so hard for me??? | ||||||
| 03/20/2022 | Yes |
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Web | Servicemember |
| After an exhaustive attempt to resolve issues of noncompliance with the VA Loan Guidelines and suspected discrimination ( in reference to federally protected characteristics ). I have been a customer of NFCU for approximately 20 years. In/around XX/XX/2022 I walked into a local branch to start my very first mortgage application. The representative was nice, friendly, and very informative. After completing the application online, my application sat for two additional business days before I contacted NFCU asking for the application to be reviewed. Finally, after becoming frustrated that the person assigned to assist failed to respond back or essentially do anything, I asked for a new point of contact. After receiving another dud, the customer care line was able to connect me with someone that was able to assist during the pre-approval process. After this traumatic experience finally gained traction, I was emailed by my Loan Officer who was assigned to assist me with the remaining process. After sending a myriad of questions to ensure this person was going to be available, we proceeded with the process. I was not contacted by the Loan Officer until XX/XX/2022. On XX/XX/2022 @ XXXX XXXX, I was contacted by this loan Officer that she " received my loan back from underwritings initial review and due to the county maximum loan limit the maximum loan amount for a VA loan that they would be able to finance is {$780000.00} '' and that I would be required to add " {$44000.00} to the down payment '' originally thought/given on the prelim Loan Estimate. After receiving the message, I asked " to clarify, Page 3 of the CURRENT VA LOAN ( guidelines ) is not applicable? It states " borrowers with full VA loan entitlement are not subjected to VA loan limits in XX/XX/XXXX '' as does a myriad of other places. Am I not showing as not having used a loan before/first time borrower? Or am I misreading the statement? ". I did not hear anything from the loan officer. I reached out to her supervisor ( who was listed on NFCU emails as a POC ). I did not hear anything until I called the mortgage department the following night to learn that my docs were submitted back to underwriting. I asked to be contacted by the branch 's supervisor. Even after submitting this same request in NFCU 's messaging system, my request was ignored, and I finally heard from the loan officer 's supervisor on XX/XX/2022 who informed me that " I was correct, and they informed the underwriter of the updated guidelines and submitted my load for a review ''. She also proceeded to inform me of messages that the Loan Officer sent ( that I NEVER received ) providing updates on what was going on. After going back and forth because it seemed as if we were not going to get any resolution, I asked why didn't anybody contact me, call me or even look up the instruction or use the guidelines before contacting me? I ask how was it possible that a institution of this size were unaware of the guidelines that came out almost two years ago and have been implemented last year, I even asked or laid out that could it have been something in my file that this person saw that chose to have them say that I was essentially not qualified for what I was applying for or at least in the manner to which I was applying for it. The issue should have been caught by the under writer, their supervisor or whomever they have overlooked these things before they go back to the loan officer, the loan officer, and her supervisor because I found out from that same supervisor that she knew of the issue the same day that the loan was essentially given back to the loan officer. I have yet to get an plausible answer as to what exactly happened. I have requested NUMEROUS times for my issues to be forward to my issues to Navy federal where I asked for someone from their executive team contact me. After emailing the CEO directly, I received a call from their resolution specialist team who decided to use BULLYING tactics, THREATENED me that if I did not make a decision as to whether or not I was going to continue with Navy Federal ( within her specified time limit ), then they were going to have my loan pulled, and then lied about the length of time that I had been sitting on this loan application. After putting in a complaint about her, the resolution specialist, I received a call from her supervisor ( allegedly ), who had a different tactic, but really still has not provided any resolution to the table other than Navy Federal is willing to 1 ) keep my complaint within the mortgage department, 2 ) not forwarded up to the executives, and 3 ) give me a new processor. This person also explained that the investigation into my complaints of discrimination were not founded but could not really give me any more information other than reciting the XXXX XXXX XXXX XXXX XXXX on discrimination. It has been a total of about three weeks now since the resolution has been occurring, however at every turn, I am the one who suggested that they first remove that loan officer who is STILL showing on my account. I also suggested that the underwriter needs to be removed, as well the entire team needs to be removed and needs to be retrained at a minimum. That has not occurred, in fact the resolution specialist told me on Friday XX/XX/2022, that executives in the Mortgage Department decided that removing the underwriter was not going to occur. Additionally, when I question their solution of providing a new processor ( my question to them was if I never needed an old one and didn't know I had one, how do I know the new one exactly is exactly new? ), I was told this is what was decided to be the appropriate resolution. I find their responses to this entire situation completely UNSATISFACTORY! I have stated repeatedly what this looks like to me ; Either they were GROSSLY NEGLIGENT AND/OR GROSSLY DISCRIMINATORY in their practices. I am highly disappointed with every single facet of how Navy Federal has chosen to show me that I am truly not a valued customer of theirs. To be sure I was not overthinking I have asked about their processes and pleaded with them to help me understand because 1 ) I do not know that this has not happened to other families/thousands to millions of sailors, veterans, customers that did not know the rules. NFCU has not said anything that has led me to believe that they have changed their policies, conducted training, or done anything differently since they were aware of this issue. Furthermore, they have not in any capacity explained to me what it is they've done to verify that this is not a case of discrimination. A company of this size should have better policies in place besides we are going to take this as a teachable or coachable moment. Basic customer service should dictate that anyone attached to my issue that I deem may be XXXX or biased, or completely ill-equipped to do the job they are assigned, should have been immediately removed to include the catalyst, also known as the underwriter, that did not know what current policies are. Additionally, other than possibly assigning a new processor, what have they done?! After three weeks, I dont know and couldnt tell you or anyone else. I even suggested that maybe if wrote an official letter, signed by an executive from their headquarters, stating that they heard my complaint and informing me of what their plan was to regain my trust and protect others, then maybe we could move forward where I was willing to keep them as my financial institution ( not lender ). I explained that this letter did not have to have their internal processes, which I know would be secret because I do not work for their company. I stated this has been my financial institution for the last 20 plus years and I chose not to go to social media ( at the time ) or officially complain outside the confines of NFCU because I wanted to believe this was a simple mistake but was finding it very difficult to see this situation as a simple mistake. Navy Federal has repeatedly shown me that they could care less and told me that the letter may take some time if it is written because it has to go through several different departments and an executive. When I asked, how does the letter go through different departments before it gets to an executive, but the complaint does not, I did not get an answer that made any sense. My issues remain 1 ) Navy Federal believes that I should be able to move forward and be okay because my potential loan was not affected ; 2 ) Navy Federal does not appear to be concerned that their gross negligence has affected millions of other families ; 3 ) There is nothing they have said to lead me to believe that they even care that their practice of shooting from the hip when it comes to lending my be rooted in biases ; 4 ) Navy Federal have chosen to disengage and treat this entire process as if it is less serious or a joke. I have zero desire to speak to anyone in the Mortgage Department or related to the mortgage department and I have stated that emphatically. I do not believe NFCU is willing or is trying to conform to the VA limits which I kept pointing out that they could not legitimately get through the VA lenders checklist for underwriting without getting to line item 2, which mentions the Certificate of Eligibility ( COE ) that clearly states my entitlement. This is why I believe this may be a case of discrimination ( microagression ). Thank you for your time and consideration. | ||||||
| 07/28/2022 | Yes |
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Web | |
| XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX, VA XXXX NOTICE : Cease and Desist Pursuant to 15 USC 1692c ( c ). I am notifying you in writing that I conditionally accept your offer upon proof of bona fide claim regarding this alleged debt, and I am demanding that you cease all forms of communication with me through ANY and ALL mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : A. XXXX out the balance on both accounts and leave both account # XXXX and account # XXXX Open pursuant to 15 USC 1602 ( j ) - open end credit plan and open end consumer credit plan Notice Request for bookkeeping GAPP ( Generally Accepted Accounting Principles ) Notice to XXXX XXXX XXXX, Vice President- B XXXX and XXXX XXXX XXXX XXXX I conditionally accept your offer upon bona fide claim through sufficient evidence by producing or providing or presenting material facts to prove your claim. Under penalty of perjury or in Good Faith, I am requesting your bookkeeping GAAP ( Generally Accepted Accounting Principles ) which Banks are required to adhere to so that I can verify and validate your claim. Failure to comply under law leads me to believe you may be committing Fraud and False Claim pursuant to 31 USC 3729 ( a ) ( 1 ) ( A ) ( B ) ( C ) ( D ) ( G ). Please note I have the right to obtain Clear, Complete and Accurate information. I also have the right to ask questions and you have a duty to answer them. XXXX. Is it true when a bank accepts bullion, coin, currency, checks, drafts, promissory notes, or any other similar instruments ( hereinafter instruments ) from consumers and deposits or records the instruments as assets? If you disagree, please produce, or provide or present material facts or sufficient evidence to support your claim lawfully. 2. Is it true it ( banks ) must record offsetting liabilities that match the assets that it accepted from consumers? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. XXXX. Is it true the liabilities represent the amounts that the bank owes the customers, funds accepted from customers? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 4. Is it true that most of the funds advanced to borrowers ( assets of the banks ) are created by the banks themselves and are not merely transferred from one set of depositors to another set of borrowers? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 5. Do you have express written consent to maintain my personal and private records or my financial information in your data base? If yes, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 6. Are you participating in FRAUD, Extortion and Dishonor? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 7. Is it true that I a man extended my credit to Bank and bank extended the credit back to I a man? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 8. Is it true that lawful money only included gold, silver, and currency notes redeemable for gold or silver on demand? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 9. Is it true that an exchanged of reciprocal credits involving money of account and not money of exchange ; and that no lawful money was or probably ever would be disbursed by either side in the covered transactions? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 10. Is it true that the bank created funds for the consumers transaction account without the consumers permission, authorization, consent, or knowledge and delivered the credit on its own books representing those funds to the consumer, meanwhile alleging that the bank lent the consumer money? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 11. Is it true that the banks create new money by depositing IOUs, Promissory notes, offset by bank liabilities called checking account balances? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 12. Is it true that when the banks grants loans they create new money? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 13. Is it true that the banks bookkeeping entries tend to prove that banks accept cash, checks, drafts, and promissory notes/credit agreements ( assets ) as money deposited to create credit or checkbook money that are bank liabilities, which shows that, absent any right of setoff, banks owe money to persons who deposit money and Cash ( money of exchange ) is money, and credit or promissory notes ( money of account ) become money when banks deposit promissory notes with the intent of treating them like deposits of cash? See, 12 U.S.C. Section 1813 ( l ) ( 1 ) - ( definition of deposit under Federal Deposit Insurance Act ). If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 14. Is it true that the newly issued credit or money is similar or equivalent to a promissory note, which may be treated as a deposit of money when received by the lending bank? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 15. Is it true that when banks make loans is to accept promissory notes in exchange for credits to the borrowers transaction accounts? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 16. Is it true that a consumer credit application was converted into a loan? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 17. Is it true that NAVY FEDERAL CREDIT UNION in fact never lent any of its own pre-existing money, credit, or assets as consideration to purchase the Note or credit agreement from I a man? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. Notice : Further attempts to collect on an account already agreed to setoff settled and close leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability of a XXXX XXXX dollars ( {$100000.00} ). Notice Pursuant to 15 USC 1681r further reporting of inaccurate or incomplete or unauthorized disclosure of alleged account reporting in question if you knowingly and willfully continue to be unlawful i will claim harm by the way of Trespass, FRAUD, Breach of Privacy rights, dishonor and unauthorized disclosure by unlawful officers or employees of XXXX and shall incur a penalty and/or criminal liability of {$10000.00} a day upon receipt of this offer. Notice Pursuant to 15 USC 1681b ( 2 ) -Permissible purpose of a consumer report. Do you have the authority to furnish anything on my consumer report or consumer file without my consent or written instructions? If yes, in good faith or under Penalty of Perjury please produce or provide sufficient evidence or documentary material facts to support your claim lawfully. I am demanding you in accordance with my rights pursuant to 15 USC 1681b ( 2 ) Pursuant to 15 USC1681a ( d ) ( 1 ) ( A ) ( 2 ) ( i ) as my instructions are as follows XXXX out both accounts and leave them open pursuant to 15 USC 1602 ( j ). See below 1. NAVY FEDERAL CREDIT UNION Account # XXXX and account # XXXX You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 10 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if ANY portion of this form is not completed and return with copies of ALL requested documents. This is a request for validation and verification made pursuant to the Fair Debt Collection Practices Act. Best regards, XXXX XXXX a man. | ||||||
| 03/13/2021 | Yes |
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Web | Older American, Servicemember |
| From : " Ms XXXX '' XXXX To : " XXXX '' XXXX Sent : Fri, XX/XX/2021 at XXXXXXXX XXXX Subject : NFCU stimulus check scam & Complaint to CFPB/FTC.gov Navy Federal Credit Union here in XXXX XXXX XXXX Nevada has taken my stimulus payment of {$600.00} until XX/XX/2021, it was directly deposited as a credited to my account, but they actually held back my Stimulus Check of {$600.00} that prevented me from clearing my overdraft account ( the bank says was {$580.00} ) without my permission!!! Which has created a burden on my household! I am dependent on my checking account, I would not abuse the privilege and convenience of the bank product. It was supposed to be direct deposited in my XXXX account not here in the first place! I never gave them the authority to add {$580.00} of their money into my account when in fact the {$600.00} stimulus check that came in XX/XX/2021 took care of the overdraft protection of my account and I would have had a credit left of {$12.00}!!! for some reason the president of the bank or whoever is in charge of the financial kindlings of my account was mismanaged and they're overcharging me when they should not have taken my {$600.00} and replaced it with their {$580.00} to trick me to think that they were helping me I never gave them permission to give me {$580.00} to clear my account ever!!! this was their own doing when in fact I already had a credit to my account for {$600.00} for the stem from the stimulus check that came to meet and zero out the balance of my overdraft!!! so now they're saying that I not only owe them {$580.00}, but they've also mismanaged and replaced or redistributed my {$600.00}, so now they have my account overdrawn by {$1.00}, XXXX!!! I called him when it first happened and told them I did not give you guys permission to put {$580.00} into my account to my account, my Stimulas was already supposed to hit the account, and then they take and hold back my {$600.00} stimulus check so I could not pay that balance down and have a {$12.00} credit!!! Now as of today XX/XX/XXXX the 2021, they have not only added the {$580.00}, but other bank charges that created a domino effect on my account. What happened to my credit to put he {$600.00} into my account to bring the balance down back to where it should have been? ... I go into my account online as I usually do, and now when I look at the statements they have placed " dashes '' for the balance of each transaction! What!?!? A lot of the balances on the right hand side don't show anything, so it doesn't show how much I have in the account originally versus how much is the running balance on my account they have mismanaged my account and now they want me to pay not only their {$580.00} back but they also have taken my {$600.00} so it looks like I owe over {$1100.00}!! I never gave them permission for me to " opt-in '' to this burden to put {$580.00} in my account, when I got an alert from the federal government saying that it was already deposited into my account of {$600.00} they had no right to go and give me {$580.00} when in fact I already had the money sent from the federal government ACH Automatic Clearing House wire sent to my account that's supposed to be credited the same day that the federal government released and distributed the funds!!! that is totally unlawful to do that to my account, when Im aware how ACH automatic clearing House is a wires work. I worked in the mortgage industry from 30 years and when we send wire transfers to find a loan, as long as it sent before the closing date of that bank it shows up that day so they had no right to his my {$600.00} make it seem like that I was in debt for over {$580.00} and then some ... altogether it looks like that account is almost {$1200.00} over drawn due to their antics!!! I will show you with screenshots from the online banking what my balance was and how they held the {$600.00} so would not be credited to my account so they can later charge me for both debts!!! I had call customer service to tell them where is my {$600.00} because of federal government already gave me those application it was deposited in my account and I told her I did not authorize you guys to do that I did not tell you to put {$580.00} in my account when in fact I already had {$600.00} sitting there but they would not credit the account so they can go and charge me for the {$600.00} that I lost I don't know where they put that and the XXXX that they unauthorised put in my account so it looks like I owe a lot of money and I don't because that {$600.00} would have taken care of the {$580.00} due to an overdraft protection on my account!!! they have mismanaged and unlawfully went into my account and and held funds so they can go and make money off of my account. I don't appreciate their actions!! I've been in the mortgage banking in industry for over 30 years, and when we use ACH wire transfer to a banking account it goes and gets credited the same day it's an ACH Automatic Clearing House wire, it should have hit my account days before they gave supposedly gave me {$580.00} which they did not need to do, there and in addition I never gave them permission to put that money in there when I saw the federal government had already sent the wire over to credit my account but they intentionally held back that deposits and made it seem like they were doing me a favor by putting a {$580.00} in there for my overdraft when in fact my own federal stimulus check would have covered that {$580.00} so now they're trying to collect {$600.00} that disappeared out of my account, in addition to the {$580.00}. I used to be an underwriter and the senior processor for loans that does not work!!! And I know how to do math pretty darn well for over 30 years working in the mortgage industry and escrow company with large dollar transactions & insurance companies where we had to get exactly the exact amount in the accounts with a wire to find loans!!! They need to put back that {$600.00} back into that account to reduce that over draft, and credit it back to account as it was available on XX/XX/2021. If they want the {$580.00} over draft back that's fine I'll pay that but I'm not going to pay them my {$600.00} plus their {$580.00}, and all those Bank fees when I did not authorize them to do it in the first place. They totally mis-managed my account and took advantage of the fact that I use the overdraft protection so now it looks like I double dipped in it when that's not true at all!!! They strategically held back my {$600.00} stimulus check to avoid for me to have access to pay down and pay off the {$580.00} overdraft protection that was on my account. Then they lied and said they gave it to me {$580.00} as a favor when in fact I didn't need their favor, neither did I give them authorization to do any kind of act whatsoever they are lying and cheating and stealing from people 's accounts whoever does not file a complaint with the Consumer Finance Protection Bureau, aren't aware of their rights to conduct a full accounting forensic financial investigation on this credit union!!! If any other banks are also doing this to people, they should be fully investigated as well!!! I will show you my online statements vs. my PDF ... they conveniently XXXX out on my balances on my statements, and will not show the running balances on my statements since I was supposed to get that stimulus check of {$600.00} in XX/XX/2021. And at one point actually did not show the deposits. I took screenshots of it but they still went ahead and did an unauthorized {$580.00} credit to my account on the stimulus check, and took my in hid my {$600.00} somewhere so it looks like I did two withdrawals of over {$500.00} so now it's over {$1100.00} and some change that is further from the truth!!! My remedy to this is that I want the {$600.00} back into my account the balance and fees adjusted, which should have been only five hundred and eighty something dollars and some change, as it was before the running balance and then I will pay that off like I normally do it my rest of my direct deposits and then that will be it but I'm not going to pay them over {$1100.00} when I only use the overdraft protection once, not twice they won't even allow you to do use the over draft for twice the amount! And I have been made regular deposits into that account since then, so the running balance is not the approximate {$1100.00}!!! They strategically and underhandedly did that on purpose so when the other stimulus checks that is due and hits our account and comes in that's due for nearly {$1200.00}. They're trying to get the whole amount of that as well, so I'm going to call the IRS Treasury and tell them not to make that deposit in that account!!! I want to know what happened to my {$600.00} stimulus check from XX/XX/2021, in addition why wasn't accredited in time so I could clear my account and I would have a {$12.00} credit and why are they trying to charge double dip and charge me for overdraft protection for twice the amount?!?!?! In addition I make at few deposits from other accounts into this checking and savings throughout each month ... | ||||||
| 10/15/2020 | Yes |
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| This letter is in regards to my experience with Navy Federal Credit Union. This letter will detail the lies, deceit, poor customer service, all together disregard for members by Navy Federal Credit Union. I believe that Navy Federal does not meet minimum standards as set forth by The Federal Reserve Board, CFPB, and they need to be investigated so that they do not continue to harm XXXX employees, XXXX XXXX XXXX sailors- both enrolled and officers, and ordinary citizens. I have been a XXXX XXXX directly serving XXXX families for more than 6 years, my husband is a XXXX Employee for the past 2 years. Of course, when we bought a house XX/XX/XXXX we got a quote from Navy Federal. At the time this rate was the best we found. We were worried, when we had difficulty contacting Navy Federal, that the closing would not occur on time- however thankfully it did. XX/XX/XXXX, we noticed that rates were starting to lower. A coworker of XXXX got a fantastic rate with XXXX XXXX XXXX XXXX for a refinance. We applied and also got a fantastic rate that would save hundreds of dollars per month on our forever home. We also felt that we did not want to move from Navy Federal. We reached out to our previous contact at Navy Federal and he said that we should really submit the rate from XX/XX/XXXX and see if Navy Federal would rate lock- he said they had a policy where if they could not, they would pay {$1000.00} towards closing. With that information we applied for rate match. From the beginning we had a very hard time getting in contact with Navy Federal. They were not contacting us even though we had submitted. I personally called more than 10 times, my husband probably the same number of times, and eventually someone wrote to us that they needed more information. We sent the information then again called repeatedly and emailed trying to get a response. At this point, we were about to lose our rate lock with XXXX XXXX, and we were worried. All in all it took more than 3 weeks for Navy Federal to provide us with a rate. Eventually, someone from Navy Federal called XXXX and told him that they were able to match it. XXXX told the person he was speaking to that he wanted to see a copy in writing. The Navy Fed employee wanted XXXX to accept the match right there on the phone, XXXX said he wanted to look at the rate in writing and see the details. It was a good thing he said that, because the match we received included over {$8000.00} in points that were not disclosed to us over the phone. Again we started writing and calling trying to get more information and to ask them why we were having over {$8000.00} in points added to the mortgage- XXXX XXXX did not have any points. I was shocked that Navy Federal had called this a rate match and tried to slip this under the table. I feel like Navy Federal intentionally lied to us in order to get an additional {$8000.00}. Eventually, after many unanswered calls ( at this point I had called Navy Fed over 20 times and have never at any point had the chance to actually speak with Navy Federal ) and emails, we are sent a second estimate which has the slipped in {$8000.00} in points removed completely, with no explanation. I again asked to speak with someone over the phone, by email. Even without the {$8000.00} in points Navy Feds fees are higher, and I wanted to speak with someone over the phone about it and see what could be done. I was never able to speak with someone over the phone, no one ever called me back. I did speak with a supervisor one time who said that they didnt have any of my documents that they would review them and call me back. They never did. At this point I submit a XXXX XXXX XXXX complaint because I did not know what else to do. I was at a complete loss. Someone from the escalation team called me and refunded our credit report fee. I did appreciate that, however his overall message was that the Navys Feds fees had no room to change. With regards to the rate given to us with {$8000.00} in points which was called a match- he told us this was a computer error and that this should never had been presented to us. The rate we had received was all they could do. I asked him about the {$1000.00} match, he said that because the rate was met- we did not qualify. I asked for details several times on this policy, he sent none. He also communicated several times that Navy Fed employees had tried to call me and I was the one who was not answering the phone. This is false. I have no missed calls from Navy Fed employees during this time, I practically sat by the phone waiting for them to call ( XXXX ). I was insulted and asked to speak with a supervisor. XXXX emailed me. She shared some details about the mortgage process, and I gave her our latest rate lock with XXXX XXXX ( by this time rates had decreased again XXXX. XXXX shared that Navy Feds rate remained the same. I also asked her about the rate match program and asked for information she did was also unable to send any written communication. After our loan closed with XXXX XXXX XX/XX/XXXX, I contacted Navy Federal and asked how to submit our loan for the rate match program. Since our rate with XXXX XXXX was 2.75 %, and Navy Federals rate given to us was 2.8 %, this seems clear that they did not meet the rate match guarantee in which we were told about, however given no written information even though we asked. XXXX eventually emailed me back saying because we locked a rate with Navy Federal, we did not qualify for the rate match guarantee. She sent a document containing paragraphs of rules surrounding the guarantee. I was shocked. First of all, if there were so many rules regarding the rate match guarantee, why werent they sent to us in the first place? Why werent they sent when I asked for the information? XXXX response to this was that she did not know the rules originally and needed to look them up. XXXX is a supervisor of the escalation team at Navy Federal and even she did not know the rules- but she expected a member to look them up. She said that these rules were listed on the internet and therefore we should have known. She also said that even if she had informed us, it still would not have mattered, we did not qualify due to the date of our rate lock. Then secondly- When did we lock a rate? I was never spoken to about this ( even though I called endlessly trying to contact someone ). My husband would not accept a rate lock without speaking with me- this is a big decision. I asked for some written document showing we had accepted. XXXX had none. She said an employee of Navy Federal, XXXX, had spoken to my husband XX/XX/XXXX and ( from notes ) said that XXXX verbally presented the offer to XXXX, XXXX said he accepted the rate match/lock and that he wanted a copy in writing. Speaking to my husband he said he asked more than 5 times to see the match in writing and XXXX said repeatedly that there was no downside to accepting the lock and that XXXX should accept the lock. XXXX said he continued to ask for the match in writing. XXXX said several times that Navy Fed was able to match the rate. Eventually what was sent, after this phone call, was the rate including {$8000.00} in points. Note that this rate was told to us by the escalation team to be a computer error that should have never been given to us. Can a member even accept a rate given in error? The answer, obviously, would/ should be a resounding NO. The only rate we received on this date was this one. XXXX said that she would research my how the rate lock occurred, eventually she responded to us saying that because XXXX sent us an email stating As requested, I have had our pricing team accept the rate match and create the new Loan Estimate. You may view it online, I will also attach below for convenience. Now that you are conditionally approved, your processor XXXX XXXX will be taking over. Because XXXX sent this, and we did not ( in XXXX view ) oppose this statement, we accepted the rate lock. I think this is poor banking practice and this is against the law. I did not understand what XXXX was saying, however, repeatedly via email and on the phone I stated repeatedly my dissatisfaction with the rate and specifically the {$8000.00} in points that were never discussed with us. I have more than 10 emails from both me and XXXX stating that we disagree with this {$8000.00} in points. I would like to know if Navy Federal has EVER paid this rate match guarantee. I do not believe they have, as they have no process to even have a member apply for it. I believe that we are due the {$1000.00} rate lock guarantee and that Navy Federals poor and illegal business practices need to be investigated immediately. As a consumer, we deserve better when it comes to such a large- often times the largest finance decision- of many peoples lives. Navy Federals mission statement is our members are the mission. In our situation, we are two people who have dedicated our lives to assisting the XXXX, we pay our mortgage on time, we wanted to trust and rely on Navy Federal as our bank, we got burned. Navy Federal takes advantage of members. | ||||||
| 05/08/2017 | Yes |
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Web | Servicemember |
| I applied for a refinance loan on the current VA loan I had with Navy federal Credit U nion ( NFCU ). Two weeks into the refinance I was informed my VA appraisal came in lower than I had expected, the NFCU XXXX Manager expected, and the XXXX home appraisal rating. I asked the NFCU loan officer about appealing the VA appraisal and asked in writing for the rules on appealing my VA Appraisal. This request was made on XX/XX/XXXX in writing to the loan officer, her supervisor and his supervisor. on XX/XX/XXXX I r eceived the form to file the appeal. I was told I had to fill out the forms and resubmit them and that this would halt the loan process. I contacted the loan officer and multiple supervisors via email during this time, All informed me that I had to fill the forms out correctly or the VA would reject them. So I had to fill them out twice. As a man with a XXXX XXXX in XXXX I co uld not make heads or tails out of the form requirements. I contacted a real estate agent and they worked with me to get the answers sufficient to have the VA Appraiser to raise the value of my home from XXXX to XXXX . The three comparable units I submitted were valued at XXXX to XXXX . I am filing a complaint with the Virginia senators on the VA appraisal inspectors form the south of the state undercutting the value of homes in northern Virginia. They are abusing the veterans in northern Virginia and the senators need to take a peek at this! Sorry its part of the complaint. Now having gotten to the value of the home correct ( or as close to correct as possible ) I was informed my rate had changed. I requested to appeal that due to the lateness of the VA appeal documentations from the loan officer. As I explained to the managers it was their loan officer who failed to supply me the documents in a timely manner. During this time we had set a closing date of XX/XX/XXXX but were debating the interest amount. On either the XX/XX/XXXX or the XX/XX/XXXX I re ceived a call from the mortgage collections department wanting to know why I had not made my mortgage payment yet. He stated something to the nature of I am on a list of people with recent credit issues with NFCU and we are informing you that if you do not pay your montage on time we can submit a derogatory credit report. I interrupted him several times and said I am in a refinance of my mortgage, and he keep going on how this can damage my credit. I finally told he that I would pay it before the penalty date if I did not close on the house and hung up! I find that harassing and along the lines of what the NFCU was fined for last year by the CFPB. I was one of those folks who had his funds grabbed and not given back, I did not get contacted about the last complaint by NFCU. I did not know about the CFPB until my problems with NFCU on the refinance of my home and did a little research. O n XX/XX/XXXX I asked the mortgage processor and supervisor about someone calling me calling me and hounding me about paying my loan, I stated I wanted to know why this was happening and that senior management of NFCU be made aware this was happening! I never received a response to my request. This loan has closed and I received a letter from the VA explaining my rights under the VA loan, it specifies " While there is no grace period, lenders can not assess a late charge unless your mortgage payment is more than 15 days late. Late charge can not exceed 4 % of the Monthly payment amount. '' By the VA saying this, they imply a 15 day grace period. I know better that I am being assed interest every day. Needless to say I could not get the Loan processing team out of FL to lower my loan interest amount, I informed them that I would except the rate begrudgingly but would bring it up at the 84th Annual meeting of members of the NFCU in XX/XX/XXXX . We Closed on the house 0n XX/XX/XXXX of XXXX 2017 . On XXXX XXXX , 2017 , I emailed about my check for the refinance and received an email saying it was should be deposited later that day! I called the NFCU settlement office and confirmed that the wire transfer had been sent. on XX/XX/XXXX I went to XX/XX/XXXX office of NFCU and was told the wire transfer failed and it would be deposited by cob that day. All of this was going on dealing back and forth trying to find my money ( that I had to beg for ) while I was running to and from XXXX during my wife XXXX XXXX . The answer I got was a problem with the wire. NFCU has gotten too big and the XXXX veteran does not have a chance. The local NFCU manager in XXXX knows here area and customers. She is the only person in the whole organization that tried to help me, but most of the time it is out of her hands. I have the emails from dealing with the loan officers and how I tried to solve the issue. On XXXX XXXX 2017 I went to NFCU 84th Ann ual Meeting. During the new business section of the meeting the " CFPB Orders Navy Federal Credit Union to Pay {$28.00} XX/XX/XXXX for Improper Debt Collection Actions '' was brought up by two members each seeking to understand what happened and who was fired! These questions were directed to both XXXX XXXX and XXXX XXXX . XXXX XXXX seemed to gloss over the issues and said that the NFCU was not doing anything wrong and thereby no one was fired. At that point I told XXXX XXXX that the NFCU is still using those practices and they used them on me less that a month ago. He called me a liar in polite terms. I would not let go of the issue and was assured someone would make it right. That night I was approached by a female who said she represented the XXXX and wanted the whole story, I explained my issue with the mortgage collection call and the fact I got punished with a higher interest rate on my loan for an incompetent loa n counselo r and the NFCU training program. This person turned me over to " XXXX XXXX '' ( not sure if this is his real name as he could not name his boss during a conversation with me ). He said he would look into the matter. Later, I find out " XXXX '' is the VP of mortgage collections. But he sure knew how to play dumb when I told him I wanted the name of the guy that called me a liar, finally after I reminded him that he told me he worked directly for the that guy the night we met! On XX/XX/XXXX , so meone called from NFCU management suite , ( phone number is outgoing only ) and said that I was correct about the mortgage collections call and apologized for the phone call and assured that it would never happen again. I then asked what about the loan and how 's about the XXXX being the one to call and apologize, he called me a liar! once again I was told someone would call and take care of it. Now on top of this each time I start with a new person I have to rehash everything again and again. they do not seem to have a central file for documentation on their loans. Several calls were made between XX/XX/XXXX and XXXX XXXX 2017 bet ween myself, XXXX XXXX , and XXXX XXXX in trying to solve my issue. During this time, I had to give a deposition in a court case with XXXX over my Credit report. I spent four hours being drilled and implied a liar during this case and now they are working out a settlement with my lawyers. ( Needed information ) O n XX/XX/XXXX XXXX XXXX VP mortgage processing ( not sure ) contacted me about my issues and we had to rehash the whole process again. She said she would talk to her manager and see if we could resolve this issue. I was very hopeful that we could come to a resolution. On th e XX/XX/XXXX I g ave my deposition on my battler with the credit bureau. Around XXXX o'clock that day XXXX XXXX offers me to lower my loan percent to the original interest. I asked about a call from the XXXX and that apology and she said she did not know about it. I told her I had to wait a day to decide if their offer was enough. I called XXXX and asked about the apology and he said I was wrong not the XX/XX/XXXX . He seems to know a lot more about my case by this time. I called XXXX XXXX and told her the current IRRL was 3.250 % and I would take that, she stated that is has a .50 % funding fee. I said toss that in form all the issues and its a deal. I was told the best I could get was my original interest rate. I told her tanked you but that does nothing but cover up issues at NFCU and they way they treat their customers. | ||||||
| 10/20/2022 | Yes |
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Web | |
| Upon the investigation of Navy Federal Credit Union Billing error dispute. I have found that Navy Federal Credit Union has violated the The Truth in Lending Act, Fair Credit Reporting Act, and Fair Credit Debt Collections Practices act. I XXXX XXXX the natural person, a cardholder, obligor of account # XXXX. Has found that Navy Federal XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has breached their fiduciary duties. I am aware that I XXXX XXXX, consumer/cardholder has notified Navy Federal Credit union and its agents on notice XX/XX/XXXX. I have contacted them through the online portal as stated on back of the billing statement of consumers billing rights dated XX/XX/XXXX as well. Notice was sent out to Navy Federal Credit union billing Disputes department to address listed on back of billing statement. I have also sent a following notice of billing error dispute to Chief Executive Officer XXXX XXXX as well as Chief Financial Officer XXXX XXXX XXXX informing them of the billing error dispute on XX/XX/XXXX. This notice has been sent via Unites States Postal Service certified tracking mail service. The United States Postal certified tracking service has notified me that notice ( s ) was indeed delivered to creditor financial institutions mailing address on file on XX/XX/XXXX at XXXX. During the process of notifying Navy Federal Credit union and its agents, I have been not able to access my online portal, or even access any of my cardholder benefits. Navy Federal Credit Union took adverse action on me as to block access to my beneficial service with them in order to coerce payment. Not only has Navy Federal Credit union failure to update there system and allow the dispute to be investigated accurately, They have committed fraud and aggravated identity theft in the process with furnishing false and deceptive information to Consumer credit reporting agencies. this has been fraudulently furnished information with forethought and malice as a means of bringing harm to me and my financial reputation, as well as it has violated my privacy rights as a consumer. I am aware that the law states that no financial institution can furnish a late payment on a credit card account under no circumstances, Pursuant to 15 USC 1666b. Congress also states that without my lawfully consent no one shall furnish a consumer report without my lawfully consent. I have not given Navy Federal Credit Union my consent to allow non-affiliated third parties such as the Consumer Reporting Agencies to furnish false and negative information. This has been done with retaliation against me to conspire against my rights. Navy Federal has also taken payment out of my checking account XX/XX/XXXX, XXXX. The statement shows the inaccuracies of being charged interest charges as well as a late payment charge. I am aware that Navy Federal Credit Union refuse to do the proper investigation upon my notices of billing dispute. I have been sent back the response of billing error dispute from Chief Financial Officer XXXX XXXX XXXX on XX/XX/XXXX via XXXX overnight mailing service. It shows the response was mailed out XX/XX/XXXX. I have also sent a follow up responses to make sure that Chief Executive Officer XXXX XXXX and Chief Financial Officer XXXX XXXX to be notified of there breach of fiduciary duties in this billing error dispute. Notices was sent XXXX via United States Postal Office tracking service notified me that it was delivered to ceo, cfo offices XXXX, I received rebuttal response from cfo XXXX XXXX XXXX XXXX XX/XX/XXXX and office of ceo XXXX XXXX XX/XX/XXXX XXXX The agents name on the form was not address as what was attention to it was sent back and notified that an XXXX XXXX XXXX sent the response to me. The response delivered to me was non other than a false and misleading as false beliefs as XXXX XXXXstates the debt is valid by sending false and deceptive forms as a validation of the debt. XXXX XXXX and refuses to investigate or send documentary evidence as requested instead a rebuttal response of copied notices that I sent to notify Navy Federal Credit Union account XXXX is a billing error. Congress also makes me aware as the consumer, natural person that has rights am allowed to exercise my rights and to be given adequate notice of the indebtedness of a valid debt. This alleged debt that XXXX XXXX pertains I owe is only due to the me as the cardholder, obligor, consumer card member agreement. The card member agreement does not prove the evidence of a consumers indebtedness. The agreement was suppose to provide me as the consumer, cardholder, natural person a printed notice which sets forth the pertinent facts Clearly and Conspicuously. I have not ever received adequate notice and did not receive no benefit from the consumer credit transactions. I did not give implied or apparent authority for such use from & from which the cardholder receives no benefit. The card member agreement by far constitutes as fraud. Not only is the card member agreement constituting as fraud is void and all security and interest must be returned to the cardholder, obligor, consumer. Navy Federal Credit Union has caused so much stress and discrimination towards me and my family household. This matter was escaladed to CFPB for aided help with this matter. If Navy Federal Credit Union doesnt solve this matter I will seek litigation against them. Navy Federal Credit union has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any non affiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Navy Federal Credit Union be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. It has also been brought to my attention that Navy Federal Credit Union billing statements show that a billing error shows a balance in the positive status and what has been paid by the consumer/cardholder/obligor is reported in the negative status. I am aware that any time a positive balance is shown on a periodic statement is a surplus and a surplus is a credit balance in the excess of {$1.00}, is deemed to be retuned to the consumer/cardholder/obligor via certified funds, cash, money order. Navy Federal Credit Union has omitted this information to continue to provide the consumer with false beliefs that a debt is their obligation. I am also aware that, Pursuant to 18 USC 8 The United States defines all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Navy Federal Credit Union is furnishing a deceptive form creating false beliefs to me as a consumer that a natural person other than a creditor of such consumer is participating in the collection of or attempt to collect a debt. Due to Navy Federal Credit Union false and deceptive creating false beliefs that I owe this alleged debt on account # XXXX is considered Racketeering and extortion Pursuant to XXXX XXXX XXXX ( XXXX ). XXXX states that this is chargeable under state law an punishable by imprisonment for more than XXXX year. Navy Federal Credit Union along with the help of the XXXX XXXX Agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof. This is a violation of XXXX XXXX Code XXXX and XXXX XXXX Code XXXX and everyone involved shall be held criminally liable for engaging in racketeering activity. | ||||||
| 11/30/2022 | Yes |
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Web | Servicemember |
| To Whom it May Concern, I am contacting you on behalf of my wife and myself. This past year, we decided it was time to sell our home. Trusting Navy Federal Credit Union, we reached out to them about a potential buyer who was interested in buying our home. With the current state of the market, the potential buyers were interested in assuming our mortgage. In XX/XX/2022, we connected with the collateral assumption loan department and spoke with representative XXXX XXXX XXXX to initiate our request. Unfortunately, our troubles began the moment we connected with XXXX XXXX. It became quite apparent that she was unfamiliar with the process. From XXXX XXXX telling us that we could not let a non-veteran assume our mortgage to not responding to our calls for quite some time when we informed her this information was incorrect, we had concerns. When we finally heard back from XXXX XXXX and learned our request was in fact a possibility, she provided incorrect instructions and sent us the wrong contract. When we respectfully requested a new representative, we were told that no one was familiar with the loan assumption process and that we would likely have the same issues with anyone assigned to our case. While we were not expressed with the service and did not like this response, we tried to be patient with the process as we were on a timeline due to our pending move. However, issues persisted. From XXXX XXXX being unresponsive and failing to return our calls, sending repeat requests for documents we previously sent in, and offering little to no updates to the buyers with whom she had an obligation to communicate with, she failed expectations. There were times where my wife elected to call the main Navy Federal Credit Union line directly after leaving a message with XXXX XXXX, to request information on what we as the sellers needed to do to move the process as she received responses from other representatives. Furthermore, on one account, when we finally made contact with XXXX XXXX after all parties could not reach her, when asked why no calls were returned, to include the buyer 's title company calls, she responded, " I did not feel as though you alls calls warranted a response, '' or words to that effect. I want to be very clear on the fact that we understand the need to protect the buyers privacy and abide by confidentiality rules. We relayed this to the entire team especially after XXXX XXXX informed us of her obligations to the buyer. However, XXXX XXXX failed to return our calls when it involved our requirements at the initiation of the sale and failed to return the buyers calls throughout the sale. Moreover, she failed to exercise professionalism and due diligence at the end of the day. After hearing that the buyers, their agent, and their escrow company constantly had trouble reaching XXXX XXXX, we stepped in to assist with reaching anyone from Navy Federal Credit Union. We contacted XXXX XXXX XXXX, who said she was XXXX XXXX supervisor. We expressed that we were having a challenging time with XXXX XXXX and Navy Federal overall. We relayed that she was not returning calls from all parties. Though XXXX XXXX responded to me via email and expressed her desire to help our situation, her phone call with me suggested otherwise. After voicing our concerns about our home transaction, she laughed at me, refused to offer her position title, and refused to provide her supervisor information upon request. Furthermore, she even went as far as to change her tone, tell me to play back the recording which I took as her talking down to me, and attempted to end our conversation because " you did not have anything else to say to him. '' We are now attempting to contact XXXX XXXX 's and XXXX XXXX 's assistant manager, XXXX XXXX XXXX. However, at this point, we are beyond frustrated with the service we have received. We were told closing was to occur in XXXX, on XX/XX/XXXX, and on XX/XX/XXXX. However, the buyers have not received important final details to include official approval to proceed with the loan assumption and the closing costs. Since XXXX this whole transaction has caused turmoil for our family. In the midst of a PCS, we had to educate ourselves on a process Navy Federal Credit Union knew little about. During this period, we were affected mentally as we attempted to sort through such a huge financial transaction. We also were affected financially as we also had to come out of pocket for expenses to include paying for two homes as the process continued to drag out and paying for an assortment of home related expenses after being told we had a definite closing date. To add insult to injury, as of XXXX XX/XX/2022, XXXX XXXX recommended to the buyers restart the process since it has taken so long. Additionally, we were told that XXXX XXXX instructed the buyers to ask us, the sellers, to decrease our agreed upon selling price of the home by {$35000.00}. As members of Navy Federal Credit Union, we found it disingenuous and improper for our financial institution making negotiation behind our back. After 90 days, we felt we had no other option but to reach out to move this transaction forward. Navy Federal Credit Union prides themselves with being veteran centered. However, the treatment and service we have received is well below expected standards. We question Navy Federal Credit Unions service to us as the sellers. At what point does it matter about the sellers in the loan assumption process? Not once did anyone reach out to us to follow-up on how our process was going, share updates with us, address our concerns about how XXXX XXXX was doing. While this may not fall in line with XXXX XXXX job requirements, we continuously voiced our concern with her and other representatives about how Navy Federal Credit Union was handling our case and the response we received was I can not help you without reference to who could address our concerns. Due to the poor response, we reached out to our Senator 's office to express our concerns and to get involved. In response to getting higher leadership involved, Navy Federal resolution team 's informed us that they would reach out to us to offer information on our case. However, their response fell well below-par. Believing our case would warrant an apology, explanation, or even action to fix the hardship we faced. XXXX XXXX, Navy Federal Credit Union 's representative, offered something different. In our conversation with her, it is apparent that Navy Federal was insensitive to what had transpired and had not read our letter of concern we submitted. From the beginning of our conversation with XXXX XXXX, she blamed the buyers for failing to communicate a Navy Federal Credit Union policy to us the sellers, recommended the buyers go elsewhere for services, and indicated that there was nothing else to be done since the account is now closed. Even after we explained the finances and trust we put into this sale and the deviation in Nevada law, XXXX XXXX responded our case is not expectionable. If Navy Federal Credit Union were to waive any requirements for our case, they would have to do so in every other case. Our response to this insensitive statement is that if Navy Federal Credit Union is handling cases similarly to how ours was handled, there should be waivers for exigent circumstances in place to rectify such service. We were not interested in a call where Navy Federal Credit Union offered weak justifications. Instead, we hoped for an apology for the below-par customer service we received and a resolution. We negotiated and made transactions for over 90 days to be told of a requirement the week of closing. Understanding closing on a house is fluid, how Navy Federal Credit Union went about this transaction from start to finish with the various representatives we communicated with was a horrible and stressful experience. Perfect customer service takes a lot of work to achieve. However, professionalism, competency, and compassion is masterable. I can count on one finger how many times I was disappointed in customer service to the point I felt as though I had to reach out. While this is the second time, this experience rises to the top of that short list. This entire transaction has us questing our continued service with Navy Federal Credit Union. As a veteran myself and my Active-Duty military wife, I would expect better from Navy Federal Credit Union XXXX | ||||||
| 03/11/2023 | Yes |
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Web | |
| Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Navy Federal Credit Union account to fraudulent investment firm. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( XXXX ) whether Navy Federal Credit Union did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( XXXX ) whether by virtue of Navy Federal Credit Unions custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( XXXX ) whether Navy Federal Credit Union promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( XXXX ) whether Navy Federal Credit Union was in compliance with its own policies and procedures ; ( XXXX ) whether Navy Federal Credit Union owed duties to myself, what the scope of those duties was, and whether Navy Federal Credit Union did not uphold those duties ; ( XXXX ) whether Navy Federal Credit Unions conduct was unfair ; and ( XXXX ) whether Navy Federal Credit Union has within its power the ability to, and should, compensate me for the harm that has befallen me. Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Navy Federal Credit Union must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Navy Federal Credit Union did not foresee the fraud and disregarded even the most obvious dangers in this respect. Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past. Apropos of the fluidity of the concept of reasonableness, all Navy Federal Credit Union has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one-inch toward explaining why various regulatory authorities, has maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience. Navy Federal Credit Union is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is : particularly vulnerable, or if the possibility of fraud was serious or real, not just suspected. There are some recommendations to organisations for protecting customers from financial harm that might occur as a result of fraud or financial abuse ; and gives guidance on how to recognise customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimise financial harm. These recommendations are established as a general principle, the organisation should deliver a service that : XXXX ) Takes a proactive approach to minimising risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organisations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorised and unauthorised payments, thereby minimising the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organisation : A ) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts : a. multiple cheque books; b. sudden increased spending ; c. transfers to other accounts ; d. multiple password attempts ; e. logins from new devices, multiple geographical locations ; f. sudden changes to the operation of the account ; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification. g. a withdrawal or payment for a large amount ; h. a payment or series of payments to a new payee ; i. financial activity that matches a known method of fraud or financial abuse. B ) organisations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action. I am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is adopted by Navy Federal Credit Union in relation to this matter. I have also thoroughly detailed why they can not simply dismiss this problem by strictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than self-interest. Indeed, it seems to me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby keeping an unjust status-quo that is corrupting our society at its core. Based on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk management system, demonstrating their undisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital arena. The use of such systems, largely based on newly adopted technologies aimed at effectively navigating the evolving threat landscape, is only one of a number of possible endeavours undertaken in this connection, alongside the application of past knowledge and experience related to popular fraudulent practices. Navy Federal Credit Unions non-observance of the fundamental principles of justice that is, to completely overlook and not even remotely try to mitigate the suffering of vulnerable consumers is inexcusable given the size of the establishment and the vast resources at its disposal as the direct result of the patronage of clients like myself. In summary, I respectively ask your organisation to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. | ||||||
| 12/11/2018 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, my wife and I applied for a VA loan with NFCU. At that time I had excellent credit and only a few hundred of credit card debt. We found a home and quickly put in an offer. After the home inspection was complete, NFCU called to say that we were not eligible for the VA loan because I was working an XXXX contract position. I have been in XXXX for XXXX years, and had worked a lucrative contract with XXXX XXXX XXXX for the past year. So NFCU did a bait and switch, where they then offered us a new mortgage product which raised our monthly payment by hundreds over the VA loan. As a XXXX XXXX veteran, the gift of a VA loan was a great benefit for service, but NFCU managed to put me in a position of losing the home we had already decided was perfect for our family if we did not secure our funding at that point in the process. Fast forward to the Fall of XXXX, and a job loss with several months of unemployment, I fell behind on my mortgage, with my last payment made in XX/XX/XXXX. After finding a full-time job in the Spring of XXXX, I attempted to make a mortgage payment but my lender refused it. In XXXX of XXXX, I reached out to my lender in the hopes of getting approved for a loan modification. At this point, I had already received a notice of default and my lender had set a foreclosure auction for XX/XX/XXXX, XXXX this foreclosure auction was advertised at the very end of XXXX in a local paper, with the last notice being only days before the sale. Although the notices were scary to receive, my wife had asked if we were protected from being foreclosed on while we were being looked at for a modification, and the NFCU said we were, but that notices will keep coming anyway by electronic default. Given that we had submitted the paperwork for a modification in XXXX, well over the 37 days before the scheduled foreclosure sale, we were protected by Federal law that makes proceeding forward with the foreclosure process illegal. NFCU never foreclosed as planned for XX/XX/XXXX but rather postponed and rescheduled the foreclosure sale for XX/XX/XXXX. Almost two months had passed since my wife and I had initially asked for a loan modification, and a package arrived outlining a Repayment Plan that asked for {$6100.00} within two weeks, followed by a monthly payment of {$3800.00} for the next twelve months. My wife said that we should have been considered for a modification plan, and that per Dodd-Frank housing protection laws, there was no longer a one and done rule on being approved for a modification twice on the same loan. The " One bite of the Apple '' exclusion was no longer legal for lenders refusing a second modification, so long as at least one payment was made on the previous modification. This was out of the realm of comprehension for our loss mitigation agent - she seemed to have no idea of the protective Federal laws now in place. As my take home pay is {$8000.00}, the first installment was way more than 70 % of my monthly income, and the monthly payment being asked of us was well over 45 %. My wife asked if there was any other arrangement that we qualified for, and the NFCU employee said time was running out - that the foreclosure process was almost complete. My wife advised her that the process should have been halted per Federal Laws, and to this we were told that our foreclosure sale date had been set for XX/XX/XXXX! Not only do we have a newspaper posting affidavit that shows an advertised sale of XX/XX/XXXX, but the postponement and rescheduling were carried out while our complete modification package had been sent in. Further, there is an affidavit stating that my wife had been personally served by a sheriff regarding the foreclosure hearing, when instead only I was served. On the morning before XXXX, we were evicted on the spot - my XXXX children, wife and XXXX dogs were not given notice by me, as I thought I had time to fix this matter with a redemtion period. While it is absolutely my fault for not filling my family in on the timeline, I was shocked that they would evict us with less than 24 hours to XXXX! My wife immediately reached out to NFCU to ask them to rescind the foreclosure, given rampant violations concerning Dual Tracking, and the fact that the actual sale was not advertised in the papers. To this she was given the run around for days, until she reached a supervisor and threatened a law suit if NFCU refused to take responsibility for Dual Tracking us into foreclosure. One last phone call found a supervisor acknowledging the mistake, and admitting that " several of my bosses are looking at your file right now in a closed door meeting. '' After telling my wife this, she transferred my wife to a XXXX XXXX, who would not discuss anything with her, but instead referred her to the lawyer who was assigned to our foreclosure. My wife called the lawyer and explained our position, and simply stated that we would be willing to not bring a law suit and instead work with NFCU on rescinding the foreclosure, due to several violations regarding Dual Tracking. This lawyer listened to my wife 's explanation of how the Dual Tracking occurred resulting in our foreclosure, and said that although he could not disclose what he would be advising NFCU to do, he would be talking to our lender over the specifics of our situation. When I called for a status update, I was advised that NFCU did not feel that setting a new foreclosure sale date, advertising our home and selling it at an auction just days after we received an approved Repayment Plan, fell under Dual Tracking. I then asked for an immediate review of our foreclosure documents by their legal counsel, and was told that they would not be doing so. At this point we retained an attorney for an initial cost of {$1500.00}, who said that he tried very hard to get them to forward documentation to prove that they did not break Federal and State laws in Dual Tracking us into foreclosure. To this there was no response, other than verbal denial of Dual Tracking, and a ridiculous offer of {$1500.00} as a " Cash for Keys '' deal - with the understanding that we would sign our right to sue away with acceptance of the cash offer. NFCU 's lawyer claimed that a lender representative had asked for {$3000.00} over the phone to start the repayment plan in late XXXX, but this is not true. No such acceptable arrangement was ever put forth, and we have the loan repayment letter to prove the unreasonable and unfair demands. Upon reviewing the repayment plan letter, we called NFCU and explained that the monthly payments were dollars away from half of our take home pay, and that this was corrupt at best, and certainly not manageable for my family of six. NFCU explained that this was our only option, and that if we did not pay the first installment by XX/XX/XXXX, they would sell our home at a foreclosure auction immediaely. My wife told the representative at NFCU that we had more time to find another loss mitigation arrangement, as the foreclosure process was legally halted during our modification review. To this the NFCU rep said there was no stopping the foreclosure once it started months back in XXXX. Unable to meet the demands of the initial repayment plan, we were researching other foreclosure assistance options for veterans outside of our lender, but within 7 days of our not moving forward with their " only option '' NFCU foreclosed on our home. The lawyer we hired when communication broke down with NFCU charged us half of the {$1500.00} retainer for a couple emails and a couple of phone calls, and said he would proceed with a lawsuit if we could pay an additional {$5000.00} in retainer. We do not feel we should have to come out of pocket again, as the foreclosure package and loan repayment letter clearly prove Dual Tracking occurred. I trusted NFCU to behave in a fair and honest manner, and from how we have been treated, all I can say is run, dont walk, from a lender that caused my family tremendous pain and hardship by ignoring Federal and State laws put in place to protect all borrowers after the XXXX Housing Crash. I am asking the CFPB to hold our lender NFCU accountable for giving us the run around during this whole process, and for illegally Dual Tracking my family right into foreclosure. Regards, XXXX XXXX | ||||||
| 10/27/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Sworn Affidavit Validation of Debt Date- XX/XX/2023 Notice To Agent Is Notice To Principal Is Notice To Agent ( I am putting Navy Federal Credit Union on Notice ) Account numbers- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CEO/ President Navy Federal Credit Union XXXX XXXX You stated that I owe you a alleged debt that I would like to be validated under the UCC, FCRA, FCPCA as accurate and complete. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnisher of information to provide accurate information ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am requesting a validation of debt request in accordance with 15 U.S. Code 1692g - Validation of debts. Which states ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirtyday period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. If you are not able to validate this debt under 15 U.S. Code 1692g ( b ) that states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Under my XXXXgiving rights under this sworn statement affidavit statement saying Navy Federal can verify I own this alleged debt with a signed contract with my two wet signatures and the promissory note with my signatures under the penalties of perjury in reference to my rights under the UCC Code 3-308. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. Which states ( a ) In an action with respect to an instrument, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings. If the validity of a signature is denied in the pleadings, the burden of establishing validity is on the person claiming validity, but the signature is presumed to be authentic and authorized unless the action is to enforce the liability of the purported signer and the signer is dead or incompetent at the time of trial of the issue of validity of the signature. If an action to enforce the instrument is brought against a person as the undisclosed principal of a person who signed the instrument as a party to the instrument, the plaintiff has the burden of establishing that the defendant is liable on the instrument as a represented person under Section 3-402 ( a ). In order to validate and verify this debt is mine under UCC Code 3-308 their has to be proof of my signature on the contract ( instrument ) you want to collect debt on. Under Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER V - DEBT COLLECTION PRACTICES Sec. 1692g - Validation of debts, please provide me with ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 6 ) Bill of sale ( 7 ) Proof of Purchase ( 8 ) Accounting Record ( 9 ) Proof of Contract ( 10 ) Privacy Notice ( 11 ) Balance Sheet ( 12 ) Proper Service ( 13 ) Full Account Disclosure ( 14 ) Interest Rate Sheet ( 15 ) Sign authorized Charges Furthermore, please send a certified contract not a photocopy of the promissory note to validate that this account is mines and that you are able to report on my credit profile. Please validate that this is a true bill that owe to Navy Federal. A true bill according to XXXX XXXX XXXX is an agreement of a grand jury with a prosecuting attorney that an indictment needs to be made against the accused person. true bill is stamped on the document. Please also send a lawful contract signed by both parties which makes it binding between both parties. Stating that Navy Federal and I have given substance according yo the contract law of 1872. Also send all validation of debt and all paperwork linked to the alleged accounts with Navy Federal from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn affidavit are true and correct to the best of your ability with your signed signature. Please send me copy of this sworn affidavit via receipt of this affidavit Please respond in 10 days or this affidavit will then become binding according to contract law of 1872. Furthermore, I will have an opportunity to cue and place a judgment on Navy Federal Credit Union If you fail to respond in 10 days I am going to presume the debt isn't true in the first place or it has already been paid in full I am respectfully requesting that if you can not provide the following information above that you delete and remove these accounts from my credit profile immediately. This inaccurate and untrue information is ruining my credit worthiness to purchase a home and under the United States Constitution my pursuit to happiness. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds, dishonor to commerce and a discharge must be granted to me according to the UCC CODE 9-406. DISCHARGE OF ACCOUNT DEBTOR ; NOTIFICATION OF ASSIGNMENT ; IDENTIFICATION AND PROOF OF ASSIGNMENT ; RESTRICTIONS ON ASSIGNMENT OF ACCOUNTS, CHATTEL PAPER, PAYMENT INTANGIBLES, AND PROMISSORY NOTES INEFFECTIVE. Please respond back in writing with another sworn affidavit since that is the proper way yo rebut another affidavit under UCC Code Article 3. If you do not respond with the information requested I will have all grounds to sue for defamation of character under 15 USC Code 1681 s-2 ( b ) and 15 U.S. Code 168n- Civil liability for willful non compliance. I will seek monetary damages from Navy Federal under the United States UCC laws if these accounts are not immediately removed from my credit profile. | ||||||
| 12/26/2018 | Yes |
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Web | Servicemember |
| Few months ago I had to report several fraud claims because some transactions were still pending, some I missed on my phone and some I had to investigate further. Still, NFCU has no way for consumers to modify or add to an existing fraud claim. Next thing I know, without calling me or anything they cancel my VISA DEBIT ATM Card to my ONLY account. Said I had too many fraud claims, then denied the last claim that they used to freeze my ability to access my funds. So, jump forward to now, I still have a checking and savings account with NFCU and the ONLY way to deposit funds, or access my funds is to go into a branch. Im been out on XXXX and FMLA so when my job messed up my last 3 direct deposits and mailed checks I had no way to deposit my checks and they bounced stuff and gave me more fees. Then with the holidays they closed early. So, I try depositing a check with the mobile app and its denied. Still NFCU is racking up more fees on my accounts. Also, have a NFCU Visa Rewards and I tried to deposit a XXXX check on that card and was told basically if NFCU liked me I could but as of XX/XX/XXXX they will not be reinstating my Visa card on that account either. The account they kept letting charges go through when there was no limit to cover it. Then sent those same charges over to my Checking account. So, without even a phone call from this place they have completely closed and restricted anyway for me to access my own accounts. Ive even asked for just anATM Card to make deposits and they said they dont have savings acct ATM cards. Nevertheless, you fined NFCU over {$23.00} million dollars in XXXX for doing similar actions to consumers. Also NFCU was advised to come up with rules guidelines and they still havent. Read below : WASHINGTON, D.C. Today the Consumer Financial Protection Bureau ( CFPB ) took action against Navy Federal Credit Union for making false threats about debt collection to its members, which include active-duty military, retired servicemembers, and their families. The credit union also unfairly restricted account access when members had a delinquent loan. Navy Federal Credit Union is correcting its debt collection practices and will pay roughly {$23.00} million in redress to victims along with a civil money penalty of {$5.00} million. Navy Federal Credit Union misled its members about its debt collection practices and froze consumers out from their own accounts, said CFPB Director XXXX XXXX. Financial institutions have a right to collect money that is due to them, but they must comply with federal laws as they do so. Navy Federal Credit Union is a federal credit union based in XXXX, Va. As a credit union, it offers a wide range of consumer financial products and services, including deposit accounts and loans. Membership in the credit union is limited to consumers who are, or have been, U.S. military servicemembers, Department of Defense civilian employees or contractors, government employees assigned to Department of Defense installations, and their immediate family members. It is the largest credit union in the country, with more than {$73.00} billion in assets as of XX/XX/XXXX. The CFPB investigation found that Navy Federal Credit Union deceived consumers to get them to pay delinquent accounts. The credit union falsely threatened severe actions when, in fact, it seldom took such actions or did not have authorization to take them. The credit union also cut off members electronic access to their accounts and bank cards if they did not pay overdue loans. Hundreds of thousands of consumers were affected by these practices, which occurred between XX/XX/XXXX and XX/XX/XXXX. The practices violated the Dodd-Frank Wall Street Reform and Consumer Protection Act. Specifically, the CFPB found that Navy Federal Credit Union : Falsely threatened legal action and wage garnishment : The credit union sent letters to members threatening to take legal action unless they made a payment. But in reality, it seldom took any such actions. The CFPB found that the credit unions message to consumers of pay or be sued was inaccurate about 97 percent of the time, even among consumers who did not make a payment in response to the letters. The credit unions representatives also called members with similar verbal threats of legal action. And the credit union threatened to garnish wages when it had no intention or authority to do so. Falsely threatened to contact commanding officers to pressure servicemembers to repay : The credit union sent letters to dozens of servicemembers threatening that the credit union would contact their commanding officers if they did not promptly make a payment. The credit unions representatives also communicated these threats by telephone. For members of the military, consumer credit problems can result in disciplinary proceedings or lead to revocation of a security clearance. The credit union was not authorized and did not intend to contact the servicemembers chains of command about the debts it was attempting to collect. Misrepresented credit consequences of falling behind on a loan : The credit union sent about 68,000 letters to members misrepresenting the credit consequences of falling behind on a Navy Federal Credit Union loan. Many of the letters said that consumers would find it difficult, if not impossible to obtain additional credit because they were behind on their loan. But the credit union had no basis for that claim, as it did not review consumer credit files before sending the letters. The credit union also misrepresented its influence on a consumers credit rating, implying that it could raise or lower the rating or affect a consumers access to credit. As a furnisher, the credit union could supply information to the credit reporting companies but it could not determine a consumers credit score. Illegally froze members access to their accounts : The credit union froze electronic account access and disabled electronic services for about 700,000 accounts after consumers became delinquent on a Navy Federal Credit Union credit product. This meant delinquency on a loan could shut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts. Enforcement Action Pursuant to the Dodd-Frank Act, the CFPB has the authority to take action against institutions or individuals engaging in unfair or deceptive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the order, Navy Federal Credit Union is required to : Pay victims {$23.00} million : The credit union is required to pay roughly {$23.00} million in compensation to consumers who received threatening letters. Most will be eligible for redress if they received one of the deceptive debt collection letters and they made a payment to the credit union within 60 days of that letter. In addition, all consumers who received the letter threatening to contact their commanding officer will receive at least {$1000.00} in compensation. The credit union will contact consumer So how is it XXXX, almost XX/XX/XXXX and they are still cutting off members electronic access to their accounts and bank cards if they report fraud too much or if they think you are being reckless or if they did not pay overdue loans etc. So, Ive had plenty of money for days but no way to even make a deposit into my own accounts. I appealed and got nowhere. This messes with my job, my insurance bounced from bill pay because I couldnt deposit money. I need help! I told the NFCU credit card department about my checks being messed up and mailed and they just seemed to not care and basically told me I was getting fees for not telling them 48 hrs sooner. I didnt know 48 hrs ago. So, they are closing my account when my card expires in XX/XX/XXXX. I should be able to make deposits and withdrawals from my own accounts. I need help because they are still doing this to others too. Please help me. Im hundreds negative now when I should be plus if I would of been able to deposit my check Friday after hrs and on Saturday after hrs. Two checks for thousands and they are steady bouncing items. Please call XXXX | ||||||
| 08/01/2020 | Yes |
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| I originally financed my vehicle with Navy Federal Credit Union and was looking to trade in the vehicle for another one. I made a preapproval loan application with Navy Federal around XX/XX/XXXX and was approved a vehicle loan. At the time, I had not found a vehicle, so I had not collected the preapproval check from the branch. Approximately a month later, around XXXX XXXX, I had identified a vehicle and had called Navy Federal to see if my preapproval check was still available for pick up. The phone representative told me that it was. I went that evening to the branch located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. When arriving, I assisted by XXXX. He went over the preliminary loan information, such as how to complete the preapproval check and what the dealership needed to do once I provided them with the check. During this conversation, I noticed that the check was for approximately {$25000.00}, rather than the approximately {$38000.00} I was initially approved. I asked XXXX about the different amounts, and he attempted to explain the institution 's practices and reasonings for the deduced required amount. XXXX told me, that because my original loan was with Navy Federal, the bank would " pay itself first, '' then apply the trade-in value to my existing loan, which would leave me with a balance. I did not fully understand and continued to ask clarifying questions. XXXX said, " I know. I work here, and it confuses me. '' He said, if I needed a little more, I would call Navy Federal to ask for another check. After that, I left the bank with the check. A few days later, after researching the internet for more information, I called Navy Federal 's XXXX number and spoke to a vehicle loan specialist to ask additional questions. In this conversation, the representative provided me with similar and contrasting information. The similarity in information was that my trade-in value would be applied to my existing loan with Navy Federal. The contrasting information was concerning interest rates. The representative stated that they could not provide me with that information without knowing the miles and year of the new vehicle. Using the information provided, I negotiated pricing for my new vehicle. Once I had settled on a price for the vehicle, I called Navy Federal XXXX number again to inquire about the interest rate based on the information that the previous representative told me they would need. During this call, the loan representative told me that my interest rate would be determined based on my credit. This was confusing because I had had the check to submit to the dealership. It was my understanding that the issuances of the purchase check, meant that the lender had acknowledged creditworthiness. I explained this to the representative, to which she stated it would be based on vehicle information. I told her I had identified a specific vehicle and had the exact information they needed. The representative also read additional loan clauses and information they provide to customers, which was hard to follow and understand. I then asked more questions for her to clarify the confusing terms, and asked her to help me understand the information using existing figures ; she agreed. She said she would be more than happy to help me, because " She works there, and it was hard for her to understand because it is extremely confusing. '' She told me ( using approximate figures ), my existing loan with Navy Federal was {$13000.00}. The dealership offered {$9000.00} for my old vehicle. Navy Federal would use that amount and deduct it from my existing car loan, and the remainder of {$4500.00} would be applied to my new loan. Using figures made the process more understandable. More importantly, it gave me a false impression that I was making an informed financial decision. I contacted the dealership again to acquire final pricing, which did not appear as Navy Federal had explained it to me. So, I called Navy Federal to ask for assistance with verifying the accuracy of the dealership initially proposed final costs. The representative told me that the dealer 's numbers were incorrect and that I could ask them to call Navy Federal 's XXXX number for assistance. This is what I did, and the dealer sent me a second final cost sales sheet. It was determined that the cost of the new vehicle would be approximately {$28000.00}. However, the original check was only for {$25000.00}. Remembering what XXXX had initially told me, I contacted Navy Federal again to ask for an additional {$3000.00}. When I called the XXXX number to ask for the additional funds, the representative told me that I would need to complete another preapproval application. This was not aligned with what I was told I would need to do. However, I went through the process again with the representative because of consumer faith that I was receiving accurate information. While waiting for a decision on a " new '' preapproval, the representative went over " customary '' lender information about the process. This was completely contradictory to what I was previously told. During this call, she told me that my potentially monthly payment would be approximately {$600.00}. This was alarming because it was significantly higher than I thought to be true when I went over figures with another representative. So, I asked this representative questions or clarification, We also went over numbers, and she came up with the same figures as I had previously known to be true. Finally, she told me I was approved, and I could go to the branch to return the old check and obtain the new one {$28000.00}. This was the exact amount I needed. Based on all of the information I had received from Navy Federal 's loan officers in good faith, I was confident that I was trading in my old car to acquire a new one and that my loan would not be in excess of {$33000.00}. A week after I signed documentation for my new vehicle, I receive an email from Navy Federal stating that my new car loan was {$41000.00}. I did not feel comfortable with these figures and sent a message to outline what I was told my loan would total. A representative called me, XX/XX/XXXX with a COMPLETELY different explanation about the loan, although she also stated that the process was confusing to understand. The representative told me that I was still responsible for 100 % of my original loan and that the {$9000.00} received for my trade-in was merely a credit to reduce the cost of the new vehicle. If I was explicitly told this information BEFORE I signed documentations financially committing me to this new car, I would have NEVER used Navy Federal to finance my new vehicle, or better yet, would have NEVER traded in my old car. The vehicle that I purchased was used, and its blue book value is a little more than half of this deceptive loan I signed based on intentionally misrepresented information. Navy Federal has designed convoluted loan practices, that can not be explained with full confidence by its employees, to bamboozle and cripple consumers from making informed financial decisions deliberately. But, rather have knowledgeable engaged in loan practices that wrongfully entice consumers to agree to terms based on lies and deceit. Navy Federal and its loan officers were grossly negligent in its financial advice, despite my best effort to do due diligence on my part. Navy Federal Credit Union is liable for the inaccurate written and oral information that its loan officers have provided to me as a consumer. Navy Federal Credit Union and its representatives committed negligent misrepresentation and have breached its fiduciary duties to me as a consumer. Because of Navy Federal Credit Unions breach of goodwill, the institution has placed me in a position of credit ruins and financial hardship because of its convoluted vehicle loan practices and policies that are not fully understood by its employees. Yet, they are hired and entrusted to provide good-faith information to address consumer 's financial questions about its loan provided. Navy Federal Credit Union has willfully and fraudulently misled and handed my vehicle loan. | ||||||
| 12/26/2017 | Yes |
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| Hello, I 'm a military service member currently serving overseas in XXXX, XXXX who made a huge mistake and now is a victim of fraud and being brutally scammed. Back in May of this year I received a message via facebook messenger from a woman who was asking if I needed help paying off my debt or making extra income. I ignored the message for quite some time and then when XXXX rolled around I had actually been about {$800.00} in debt and was a little desperate and frustrated so I went back and got more information on the process. She lead me to her " boss '' who goes by the name XXXX XXXX XXXX. Him and I messaged back and forth about the process and I took the risk and that 's when things went down hill. Now before I confuse you, let me mention that this male is promoting himself on XXXX and telling service members he can help pay off their debt and make extra income. This has also happened to another service member within my company a few months back by this same male, XXXX XXXX XXXX. From the evidence I have, XXXX is currently in the states in Illinois. Around the last week of XXXX was when all of this took place. XXXX messaged me and told me he could help me pay off my debt and I so the first thing he did was ask for my log in to check out what exactly I needed paid off. That 's where I was oblivious to the fact that he was actually in my account now. The first thing he had me do was make a transfer of {$1900.00} from my XXXX XXXX account to XXXX XXXX. He had put the {$1900.00} into my checking account himself and that 's how I got the money to make that transfer. He told me that the money was going to his " security clearance '' and that 's how we paid them so that they would help him, help me pay off my debt. He made me send it as a cash pickup. After this transfer was made he had me making these huge transfers of money everyday for almost 4 days straight. When i was making these transfers he was giving me names to send the money to and the location of wherThe reason I think I had been brainwashed was because he was n't taking any of my own personal money through the process and on XXXX XXXX he cleared out my debt for me and said the process was complete. I could n't believe that it actually happened at the time until the next morning of XXXX XXXX, I woke up to alittle over {$9000.00} in debt. There was about {$5000.00} In my credit and he put a XXXX XXXX XXXX loan into my account of {$4000.00} that I did not sign for or take out. I then realized I made the huge mistake and was being scammed. I messaged him multiple times asking what happened and the moment I told him I was going to report him, he blocked me on XXXX and I had no access of getting ahold of him anymore. I immediately went to the XXXX XXXX XXXX on my base as soon as I got off work and reported the situation. We went on my account and did a fraud claim on my credit and also on the loan and sent it up to the security department of XXXX XXXX to investigate my account. We changed all of my passwords and usernames and refreshed my whole account. My credit card and my debit card were both destroyed that same day and I was given a brand new Debit Card, but did n't get a new credit card until we heard further into the investigation just to be safe. We came to the conclusion that he was putting fake money into my account and receiving the real cash when he would pick it up from XXXX XXXX, which is how he scams people and makes all of his money. I also went to the military police on base and made a police report and also called XXXX to talk to an Agent and open up an investigation to get more help. I also got in contact with XXXX XXXX to ask about the make who picked up the cash and they were able to track down the confirmation numbers on those pickups. So with that being said I have 4 different confirmation numbers written down and a case number to report to the local police department for further investigation on the male. XXXX XXXX, I looked back into my account and saw that {$410.00} was put on my credit card and all of the purchases were made in XXXX and XXXX. I did not have a credit card at this time because they destroyed it and It. I immediately went back to the XXXX XXXX XXXX on my base and reported another fraud claim. XXXX XXXX, they adjusted my account of all the fraud on my credit card and took it off of my account. XXXX XXXX, I received an email that said they DENIED my loan and are now making me liable of money that is n't mine and a loan that I gave no permission to take out. 2 days later on XXXX XXXX, I look back on my account and saw that another {$5000.00} loan was put under my name in my account. Again, I immediately went to the branch and reported the fraud and filled out a fraud claim that was sent to the security and loan department, XXXX XXXX, I still have n't heard anything back from XXXX XXXX at this point and went back to check my account again and saw that XXXX XXXX had reversed all the money they adjusted on my account and are making me liable for the fraud that was made in XXXX, plus the money that I was scammed on from XXXX XXXX XXXX. Now they are making me liable for almost {$10000.00} worth of money that is n't mine and that was impossible for me to even have considering I did n't even have a credit card for a whole month when he fraud was taking place. The same day I emailed XXXX XXXX through Emessage and sent 3 different emails considering my case of my Credit Card fraud and each Loan. XXXX XXXX has yet to reply back nor even read my messages and it is almost the end of XXXX. I am now paying almost {$400.00} of debt that is n't mine nor that I can barley afford because XXXX XXXX does n't want to communicate with me and wants to deny everything against me and make me liable of something I did n't do. Also on XXXX XXXX, it was only the 2nd time I heard from my Agent from XXXX who took on my case and was basically told that they could n't do anything else for me because I gave out my information and they are saying that I basically gave this guy permission into my account. But I never gave him permission to scam me or take loans out under my name. I made a huge mistake that I 'm now learning from and regardless this still is a scam and a huge mess of fraud. XXXX XXXX, I went back to XXXX XXXX branch to ask if it was possible to do a loan consolidation on my credit and 2 loans so that it would be easier for me to pay since XXXX XXXX wants to make me liable. I called the loan department from the branch phone and they said they would be able to do that for me considering my situation. The next day I go back into the branch to get an email that says they DENIED MY LOAN CONSALIDATION. Now XXXX XXXX has denied me twice for something I did n't do and still has yet to contact me on any information. This process has been going on for almost 3 months now and nothing has been positive about it. I have went broke, been overdue on my own bills and am being forced to pay on this money that is n't mine and its slowly ruining my credit score because I can barley afford to pay it monthly. XXXX XXXX, I went to the XXXX XXXX XXXX and talked to a financial counselor because I was out of options and help at this point and she helped me out a lot and recommended this website and to report my complaint and my story to get more help. And lastly, on this day that I was sitting with my counselor we were looking back on my account and the evidence I have and noticed a account under my name at XXXX XXXX in XXXX XXXX, California, that XXXX had made under my name when he was in my account at the time in XXXX. I was not aware of this until the day I had talked to my financial counselor and I am making the call to XXXX XXXX to explain my situation and hope that they will understand and cancel that account. At this point I am completely drained and hopeless but I have yet to give up on finding resources. All that I want is to feel like XXXX XXXX is on my side and would actually take this seriously because I feel completely blown off by everyone and have no hope and just need help on what I 'm supposed to do from here on out. PLEASE HELP? | ||||||
| 02/02/2022 | Yes |
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| On the XXXX of XX/XX/XXXX an alleged contract was made with Navy Federal to refinance a XXXX XXXX, XXXX. At this time, a check with Navy Federal was not received. The XXXX XXXX XXXX was financed under XXXX XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX, I was hit by two vehicles causing my car to be totaled. XXXX took possession of the vehicle on XX/XX/XXXX. I called and spoke with a Navy Federal Member Service Representative. I informed the representative that my car was totaled so there was no need to move forward with the alleged agreement. I told her that I no longer needed the check I was supposed to pick up from my XXXX XXXX. The Representative informed me that it was still in my best interest to obtain the check and send it to XXXX XXXX XXXX regardless of the condition of my car. During that phone call, we arranged for said check to come in the mail using XXXX XXXX XXXX XXXX. The check was delivered XX/XX/XXXX. XXXX XXXX XXXX received the check XX/XX/XXXX. XXXX XXXX was fully aware that my car was damaged before they check was sent out. Taking the advice of the representative has caused me problems financially. Im unable to use my Navy Federal account. Navy Federal has added two past due payments to my account, they have added late fees and they also charged my savings account {$20.00} because Navy Federal was not listed as the first lien holder. Now, Im dealing with late fees, and harassment from Navy Federal trying to collect an alleged debt. The first alleged payment was due XX/XX/XXXX. XX/XX/XXXX, I was contacted by XXXX insurance adjuster stating that the value of the car was {$16.00}, XXXX. XXXX has the check and has been ready for almost two months to send the check to Navy Federal. Ive communicated to Navy Federal on numerous occasions that I will not be making payments on a car that is no longer in my possession, especially since there is a check ready for Navy Federal. Navy Federal needs to do what is required by XXXX to obtain the check. If Navy FederaXXXX didnt take over the alleged payments from XXXX XXXX XXXX XXXX the car would have been paid off almost two months ago. Speaking with a Lawyer, looking into my options, I found that there were violations made by Navy Federal on the alleged contract/promissory note. These Violations voids the alleged contract. According to the Promissory note, Navy Federal follows the Truth in Lending Act. In the Truth in Lending act, under Title 15 U.S. Code 1605, the Finance Charge in connection with any consumer credit transaction is the SUM OF ALL CHARGES. That includes late fees and lien fees from any title company. According to the contract/promissory note with Navy Federal XXXX XXXX XXXX XXXX is {$3100.00}. According to the Truth in Lending Act and the Federal Law, {$3100.00} is the only amount Im allegedly responsible for paying if this wasnt a consumer credit transaction. Also, under Title 15, 1605 ( 5 ) ( B ), Navy federal did not include insurance in the finance charge. XXXX insurance was charged separately. Also stated under U.S. Code 1605 ( b ) ( 1 ) and I quote charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ;. This statement proves that I am the Creditor extending credit to Navy Federal. Navy Federal pointed out in the Returned Loaned Payment Fee section of the alleged promissory note that under ( Section 1014, Title 18, U.S. Code, makes it a federal crime to knowingly make a false statement. Navy federal has willingly and knowingly BROKE THE LAW! Pursuant to Title 18 U.S. Code 8, the term obligation or the other security of the United States, includes all Federal Reserve bank, Federal Reserve notes, bills, coupons, checks, drafts for money, certificates of deposit and, etc. This alleged debt under alleged promissory note is to be the obligation of the United States not the consumer. Pursuant to 12 U.S. Code 1431 banks can not loan money. Pursuant to Title 15, U.S. Code 1635 ( 4 ), the Right to Rescind shall apply to all consumer credit transactions. The Right to Rescind was not included on the Promissory Note. Navy Federal NEVER sent me documents to Rescind. Again, you broke the law. According to the CFPB, 1026.23 ( f ), the Right to Rescission is only exempt to refinancing by the same creditor. According to CFPB 1016.7, and Title 15, U.S Code 6802 ( b ) Navy Federal was supposed to provide a form of opt out notice to consumers. Navy Federal has never sent a form of opt out notice, via email, mail, or electronically. I am demanding that Navy Federal remove the account from all three major credit reporting agencies. That includes, XXXX, XXXX, and XXXX. According to CFPB, 1026.13 Billing Error Resolution, I extended credit to Navy federal with my credit card under an open-end consumer credit transaction. So, there should not be monthly bills or monthly payments. When Navy Federal ran my social security number ( credit card ), alleged promissory note was paid in full. If Navy Federal claims this alleged loan/promissory note came from their Account, I demand that Navy Federal provides me with proof of the Accounting Ledger and, Im demanding proof of the Generally Accepted Accounting Principle ( GAAP ). This will determine if this alleged debt exist and is owed to Navy Federal. I am specific in what Im demanding. Do not send a copy of the alleged Promissory Note. I have that document in my possession. Provide me with what I asked for exactly. If Navy Federal doesnt provide the documents Im demanding, Navy Federal satisfy the loan account as Paid in Full. Navy Federal also agrees to provide Paid in Full documents so the lien placed on the title of the XXXX XXXX XXXX is removed. Pursuant to the Fair Debt Collections Practices Act ( FDCPA ), Title 15 U.S. Code 1692j ( a ) It is unlawful to furnish any form knowing that such form would be used to create the false belief in a consumer. Navy Federal has furnished deceptive forms illegally in the attempt to collect an alleged debt. Each law violated is a {$1000.00} charge owed to me. Pursuant to Title 15, U.S. Code 1692g, I as the consumer have a right to validate this alleged debt. Pursuant to Title 15 U.S. Code 1692c. ( c ) I am notifying you in writing that I REFUSE to pay this alleged debt. I am demanding that you cease all ILLEGAL communication with me through all mediums. Pursuant to Title 15 U.S. Code 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and as the original creditor. I am demanding all the following : 1. ) Remove Navy Federal Accounts from ALL consumer reporting agencies ( XXXX, XXXX, XXXX ). Documentation needs to be provided. XXXX. ) Send Accounting Ledger AND XXXX documents by mail AND via email. XXXX. ) Close the LOAN account as satisfied and paid in full providing proof of payment. You do not have permission to close my checking or savings account. XXXX. ) Return the {$20.00} taken from my savings account to satisfy the lien on the title. This was taken without my permission. Breaking the Federal Law voids contract/promissory note. The CFPB, among other Entities will be receiving this letter, including the documents I want to upload with my complaint. Failure to comply, will result in Litigation. On XX/XX/XXXX, By law, I requested that this consumer credit transaction be disputed and that further interest be stopped. Navy Federal broke the law, denied my dispute and is currently reporting negatively to my consumer credit report. Today, XX/XX/XXXX, I just received an email from my XXXX Account letting know that potentially negative information from Navy Federal is reflecting in my account which caused me to lose XXXX points. According to the FDCPA, while a dispute is in process, the company is not allowed to update any new information. Navy Federal deliberately ignored my request and broke | ||||||
| 10/30/2022 | Yes |
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| Refinance Loan Application Dispute Since XX/XX/XXXX, Navy Federal has held a first mortgage on my residence located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( hereinafter, the Property ). On XX/XX/XXXX, I submitted a refinance application with Navy Federal to refinance the first mortgage loan on the Property. My primary source of income is XXXX, XXXX ( hereinafter, XXXX ), a company that I have owned and operated since XX/XX/XXXX. I have been a W2 employee of XXXX since XXXX. When I applied for the mortgage loan with Navy Federal in XXXX, XXXX was my ONLY source of income. With respect to XXXX, I spoke with XXXX XXXX at the beginning of the application process for the refinance, and specifically expressed my desire to have my qualification reviewed solely based on my W2 Income status with XXXX. I did not want my ownership in the LLC to be considered. XXXX advised that this would not be a problem and this was the normal for most business owners. On or around XX/XX/XXXX, I received a request to e-sign various documents in relation to the refinance application. I noticed the following errors : - My address was listed as XXXX XXXX XXXX XXXX, XXXX, FL XXXX- The subject property address was listed as XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX was the rental property in which I resided in XXXX when I applied for the initial mortgage loan with Navy Federal. I have never owned any interest in the property located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and I never had a mortgage loan with Navy FederaXXXX on the property located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I immediately asked Navy Federal to correct this error. At this point, my understanding is that Navy Federal created a new loan application with the correct address. I later learned that the notations regarding my preference to omit my ownership in XXXX, were not carried over to the new application. On XX/XX/XXXX, Navy Federal requested the XXXX and XXXX tax returns for XXXX. When I asked why this information was needed, in light of the fact that I only wanted my W2 income to be considered, the response received from XXXX XXXX was I have informed that information to the underwriter up front. I believe your underwriter still needs those tax returns to verify your salary. On XX/XX/XXXX, I received the following message from Navy Federal : 1. Business returns appear to be incomplete for XXXX. Unable to determine percentage of ownership. Need XXXX which will detail names and ownership percentages. Underwriter understands borrower does not want to use XXXX income from business ; however, it must be reviewed as it's his primary employment. Confirmed with senior underwriter. A review of Form XXXX reveals that this form is submitted to the IRS by certain entities with total receipts of {$500000.00} or more. I confirmed with my tax preparer that the returns submitted to Navy Federal were complete and that we did not submit an XXXX because we did not have receipts of {$500000.00} or more. I relayed this information to Navy Federal and was again told that my return was incomplete and asked to submit an XXXX. When I again asked why this form was being requested in light of the fact that I did not want to have my ownership of XXXX considered, to which the response was that Navy Federal needed to verify the ownership percentages in order to consider the W-2s. This raises a huge problem because an XXXX only shows an officers name, social security number, percentage of time devoted to the business, PERCENT OF STOCK OWNED, amount of compensation. As an XXXX, XXXX has membership interests. There are no stock shares in existence for XXXX, therefore even if the document requested by Navy Federal did exist, it would not serve the stated purpose expressed by Navy Federal to verify the ownership percentages. Throughout the loan application process, I repeatedly asked Navy FederaXXXX what other documentation could be provided to meet the ownership verification requirement. I specifically asked if a notarized document submitted by my business partner would suffice. To this day, Navy Federal has failed to inform me of any alternate document that could be used to meet the requirement. Multiple times I had conversations and emails with XXXX XXXX when I asked if a notarized document would be sufficient and she told me it was not necessary and to hold until this document was sent to her team to discuss with underwriting. XX/XX/XXXX I spoke with XXXX XXXX the supervisor to XXXX and XXXX who still could not give me a proper answer on what document would be needed or sufficient to prove my ownership being less than 25 % in XXXX. On XX/XX/XXXX, my loan application was denied for the following reasons : 1. Unable to verify employment. At XXXX XXXX on XX/XX/XXXX, XXXX XXXX confirmed receipt of verification of employment from my business partner XXXX XXXX and advised that she was submitting the verification to the underwriter that night. 2. Length of employment. I have been a W2 employee of XXXX since XXXX. This was confirmed by Navy Federal during my XXXX loan application. Additionally, all tax returns and paystubs submitted to Navy FederaXXXX reflected the length of employment going back as far as XXXX. As of today, Navy Federal has failed to clarify this basis of denial. 3. Credit application incomplete. The only document that was requested and not provided was the non-existent XXXX. Despite my repeated written and verbal requests, Navy Federal has failed to provide me with alternate documentation that I may submit in lieu of an XXXX. I immediately appealed the denial. In response to my appeal of the denial, Navy Federal has advised as follows : 1. Unable to verify employment. member may not have XXXX, but underwriting does need something to support what his ownership percentage is. While an XXXX XXXX verify compensation to an officer, it is not the only method of employment verification. I have been a W2 employee of XXXX since XXXX. This was confirmed by Navy Federal during my XXXX loan application. Additionally, all tax returns and paystubs submitted to Navy Federal reflected the length of employment going back as far as XXXX. Further, my business partner verified employment, as confirmed by XXXX XXXX on XX/XX/XXXX. Other than the non-existent XXXX, Navy Federal has not requested any other documentation to verify my employment with XXXX. 2. Length of employment. As of today, Navy Federal has failed to clarify this basis of denial. I have provided them with paystubs, tax returns and bank statements. 3. Credit application incomplete. member may not have XXXX, but underwriting does need something to support what his ownership percentage is. Again, the only document ever requested by Navy Federal is a non-existent XXXX, which would NOT show ownership percentages of an XXXX, even if it did exist. Navy Federal refused to advise of any alternative documents that would be accepted in lieu of an XXXX. All correspondence is in email, recorded phone calls and text messages. As a result of Navy Federals failure to properly review my loan application, I was compelled to secure financing through XXXX Mortgage at a higher interest rate. - My interest rate with Navy Federal would have been 4.875 % - My interest rate with XXXX Mortgage was 5.99 %, which I ultimately bought down to 4.99 %. - I would have bought my Navy Federal Mortgage down to 3.5 % The total loss incurred over the life of the new loan as a result of Navy Federals failure to properly review this loan application was {$100000.00}. I have been a loyal member of Navy Federal Credit Union since XXXX. At this time, I am seeking to be made whole by either a payment of the incurred loss of {$100000.00} or a refinance through Navy Federal at 4.875 %, and the additional {$15000.00} in which I will buy down to 3.5 %. Additionally, if the loan is refinanced, I expect Navy Federal to pay for any and all closing costs, as I already paid closing costs for the refinance that was completed with XXXX due to Navy Federals willful negligence. | ||||||
| 06/16/2023 | Yes |
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| Subject : Urgent Matter : Unlawful Account Seizure and Depletion of Funds Alleged Debt without Substantiating Evidence is Violation of : 234 Pa. Code140.Rule140B-Contempt Proceedings. 28 U.S. Code 1746- Unsworn declarations under penalty of perjury. I hope this letter finds you well. I am writing to address a grave matter of utmost importance and urgency regarding the recent events involving my accounts at Navy Federal Credit Union ( NFCU ) and the subsequent depletion of my funds without any valid legal basis. First and foremost, I would like to reiterate that I find it incredibly perplexing and deeply concerning that such actions have been allowed to occur without proper evidence or substantiation, as well as the apparent disregard for the legality and ethical implications involved. It is disheartening to witness hard-working individuals being deprived of their rightfully earned income and expected to endure the challenges of raising a child alone, especially in the midst of a challenging economic climate. I am genuinely left with the impression that you want to leave me and my son homeless, having taken away every penny I possessed, all without providing any verifiable proof or valid documentation that would withstand scrutiny in a court of law. The impact on my mental well-being has been devastating. Before we can proceed with any further discussions or actions regarding this matter, it is essential to acknowledge that, as the director and beneficiary of my legal person/corporation, you had a designated period of 21 days to respond in writing and provide evidence of your legal and lawful authority as my public servant to engage with me. Until my terms are met and the evidence of authority is presented, I regretfully can not proceed any further. With all due respect, there is an outstanding matter that requires your attention and resolution. I can not consent to any proceedings until the evidence of authority has been provided. On XX/XX/2023, Navy Federal Credit Union allowed a third-party debt collector, with whom I have no debt or prior contractual agreement, to completely drain my savings account, which had a balance of {$1300.00}, reducing it to {$0.00}. Consequently, I am now left without any savings, a situation that is highly deceptive, unethical, immoral, and oppressive. This distressing turn of events has left me in a state of profound struggle as I endeavor to provide for my wife and son during this national recession. Furthermore, an amount of {$1700.00} was also withdrawn from my checking account. Prior to this incident, the combined balance of both accounts was approximately {$4000.00}. Although I can not recall the exact amount, I discovered that my savings account had been completely emptied, despite {$1300.00} being earmarked for my son 's upcoming summer vacation in XXXX with his mother in XXXX. This matter is of utmost importance and urgency to the well-being of my family. It is crucial to note that over {$3500.00} has inexplicably vanished from my account, with no transaction records or explanations provided to me. Upon discovering these fraudulent transactions, I immediately contacted Navy Federal Credit Union to report the incident. To my shock, I was informed that they had received a legal document containing only my name and an account number, as relayed to me by their representatives. It is truly bewildering that a mere piece of paper lacking the wet ink signature of a judge, magistrate, or court official can prompt my bank to authorize the depletion of my personal property. When I requested the representative to provide me with the name of the judge and the county they represent, I was informed that there was no judge 's name or signature, only a reference to a courthouse. This absence of judicial signatures, clerks ' names, or any form of authentication renders the purported legal document void and devoid of any legal effect. It is deeply disheartening that my banking institution allowed such actions to take place without fulfilling basic requirements and ensuring that the debt in question was properly registered with the relevant parties, such as the county clerk 's office and public records. Furthermore, it is alarming that this creditor possessed knowledge of my banking institution without any legitimate grounds for such information. The fact that they were able to deplete my accounts without triggering any red flags highlights the prevalence of fraud in our society. The magnitude of the financial loss I have endured can not be understated. These funds represent my entire savings, painstakingly accumulated over the course of two years. The absence of a warrant, IRS lien documentation, or a legally valid document signed by a judge, magistrate, or clerk underscores the unlawfulness and lack of legal standing behind the account drain. Only upon my inquiry regarding a signed affidavit by a judge did I discover that no judge 's name or signature exists on the document. This revelation provides me no solace, as it underscores a clear violation of the bank 's duty to ensure compliance and exercise due diligence in safeguarding consumers ' hard-earned income. Any claim of judgment against me must undergo verification and validation of the account. Additionally, the bank should have promptly informed me about the situation before it transpired. I sincerely hope that no one else experiences the same shock and loss of security that I endured that day, as my entire sense of stability was abruptly shattered without any warning or opportunity to prepare. I implore you, with utmost urgency, to contact Navy Federal Credit Union on my behalf and make them aware that, after thoroughly reviewing their terms and conditions on multiple occasions, I have found no provisions relinquishing my rights under the Fourth, Sixth, and Fourteenth Amendments. I am entitled to the security of my personal belongings, papers, and effects, yet I have been deprived of all sense of security, dignity, and freedom. The knowledge that anyone can drain my account without legitimate grounds deeply frightens me. I find it perplexing that I am being held accountable and treated as if I am guilty and responsible for this debt, despite the absence of any evidence of verification or validation provided by the creditor or NFCU. Copies of the alleged affidavit they claim to have received have not been presented to me or any other involved party. The inability to provide for my family or meet essential financial obligations, such as my mortgage and utilities, poses an imminent threat. It took me two years of hard work to accumulate that small amount of money, and I am now in desperate need of financial relief. I demand that the unlawful seizure of my accounts without notice or jurisdiction restrictions be lifted immediately, unless the facts and permissible purpose can be established. Records from the county clerk 's office and the original copies of all judgment affidavits you have received on my behalf should be provided to substantiate the actions taken. If the necessary documents can not be produced, I insist that my funds be returned to their rightful place. This situation has caused significant harm and XXXX to me and my family, and we implore you to provide the necessary assistance and support. I trust that you understand the urgency of this matter and will take prompt action to rectify the situation. Your intervention and advocacy in dealing with Navy Federal Credit Union would be greatly appreciated. I kindly request that you keep me informed of any progress or updates pertaining to this case. Thank you for your immediate attention to this matter. I look forward to your prompt response. In addition, Please refer to the listed codes below for additional information. Alleged Debt without Substantiating Evidence and Violation of : 234 Pa. Code140.Rule140B-Contempt Proceedings. 28 U.S. Code 1746- Unsworn declarations under penalty of perjury. Sincerely, XXXX XXXX | ||||||
| 07/16/2021 | Yes |
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| I have extended my credit in good faith as a consumer to Navy Federal Credit Union. I have the right to extended and rescind my consumer credit by federal law. I wish to continue to exercise my consumer rights and help further the economy with in the Corporation of the United States of America through fairness and legality. I have inquired multiple times about a credit limit increase and have be denied but by federal law the consumer Must not be denied an extension of his/her own open ended credit plan. One non living corporation can not tell the living man in trust over his corporation how to handle his open ended credit. As the credit card issuer, NFCU has been sending false payment charges on this account account, to which I am the original creditor, with a positive balance. It should reflect a negative figured balance in any billing documents. This is a misleading tactic on the overall education to consumer credit usage and their further education, as well as a detriment to economic expansion and development, according to Congress. I demand NFCU produce an original consumer agreement and they haven't done so, I demand that my consumer rights be met and we can carry on with our great commercial relationship. I am the original credit of this account, the natural man, in trust, the consumer doing business in commerce. Please respect the federal codes and promptly respond. I dont want to be a litigious consumer. Below are a list of Federal Codes NFCU has violated : 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1644. Fraudulent use of credit cards ; penalties ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating {$1000.00} or more ; or ( b ) Transporting, attempting or conspiring to transport card in interstate commerce Whoever, with unlawful or fraudulent intent, transports or attempts or conspires to transport in interstate or foreign commerce a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained ; or ( c ) Use of interstate commerce to sell or transport card Whoever, with unlawful or fraudulent intent, uses any instrumentality of interstate or foreign commerce to sell or transport a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained ... Facts ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 15 U.S. Code 1637 - Open end consumer credit plans ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact. ( 2 ) The method of determining the balance upon which a finance charge will be imposed. ( 3 ) The method of determining the amount of the finance charge, including any minimum or fixed amount imposed as a finance charge. ( 4 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year. | ||||||
| 12/08/2023 | Yes |
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Web | Servicemember |
| Subject : Demand for Removal of Inaccurate Collection Account and Compensation Pursuant to FCRA Violations Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is [ instructed do not include ] and I am writing to bring to your attention a critical matter regarding potential Fraud, identity theft, securities fraud, Conspiracy, Trustee violations due to lack of disclosure, tax invasion, Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Racketeering and other erroneous crimes from the way these companies are doing business '. an inaccurate collection account on my credit report, which has been reported by this company. I am seeking its immediate removal and compensation for the time and effort invested in disputing this erroneous entry. The account in question has been listed without my consent, and I want to emphasize that I have no contractual relationship with any of these entities, corporations. They have not only sold and traded accounts yet discharged and claimed funds as abandonment which is not the case because of lack of disclosure. they have not reported the sold accounts to the IRS in benefit of the Beneficiary and they have allowed 3rd party debit collectors to use their name to enforce trauma. I have not provided any authorization for the use of my name, likeness, or credit data, making the presence of this collection account a direct violation of my rights. I am the consumer and a victim of fraud and identity theft, due to non-full disclosure using and selling my personal information and securities, promissory notes, and other instruments for their personal gains to no gain of me the only authorized Beneficiary. over XXXX years i have personally reached out and also asked credit repairing agents to address this matter. I need the credit bureau to mail me all of those correspondence letters received from the credit repair companies. This collection account is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in Section 607 ( a ) ( 1 ) and ( 2 ). The FCRA mandates that credit reporting agencies, such as XXXX, ensure the accuracy, completeness, and timeliness of the information they report. Moreover, Section 615 ( a ) ( 1 ) prohibits any person from furnishing inaccurate information to consumer reporting agencies. Section 621 of the FCRA further imposes liability on any person who willfully fails to comply with the requirements of the FCRA, making them liable to the consumer for damages. Furthermore, this situation is a blatant violation of 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j. These sections underscore the obligation of credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The collection account 's fraudulent acquisition and sale also contravene the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which expressly prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. Moreover, these actions breach federal laws, such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ), by engaging in deceptive and fraudulent practices. I kindly request that the Consumer Financial Protection Bureau immediately investigates this matter and takes necessary action to compel the removal of the illegal collection account from my credit report. Additionally, I seek compensation for the time and effort expended in disputing this inaccurate information. Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this issue. they knowingly or unknowingly Committed securities fraud... all consumer debts should be discharged and paid by the treasury HJR 192 is the insurance policy that protects the legislators from conviction for fraud and treason against the American people. It also protects the American people from damages caused by the actions of the United States I hope this letter finds you well. I am writing to address a matter of great concern regarding my account with your institution. Over the past XXXX years, I have been attempting to resolve issues through various communications, but unfortunately, satisfactory resolutions have not been achieved. This notice aims to draw your attention to specific facts and concerns that point to potential legal violations, including a violation of the Privacy Act of 1974 and the Indenture Trustee Act. Potential Fraud : Assertion : Unverified information has been associated with my account, constituting potential fraud. Supporting Fact : Recorded credit scores, acquired without proper authorization, indicate actions that may amount to identity theft and securities fraud. Identity Theft : Assertion : The acquisition and use of my credit information without proper authorization may amount to identity theft. Supporting Fact : Unauthorized hard and soft inquiries, as well as the trading of private information, raise serious concerns. Tax Evasion : Assertion : Mishandling of financial transactions may raise questions about tax evasion. Supporting Fact : Immediate return of securities bonds, USD principal, interest, and associated terms is demanded for proper rectification. Defamation of Character : Assertion : Your institution 's activities have adversely affected my good name, causing harm to my personal and professional life. Supporting Fact : Denial of loans and investment opportunities due to adverse credit impact is a tangible consequence. Conspiracy Against Individual : Assertion : The mishandling of my account, intentional or not, may constitute a conspiracy against me. Supporting Fact : Ongoing discrepancies and lack of resolution despite diligent attempts indicate potential collusion or neglect. Violation of Consumer Rights : Assertion : As a consumer and account holder, I am entitled to accurate handling of my account information in compliance with federal law. Supporting Fact : Numerous attempts to resolve issues over the past two years have not yielded satisfactory results. Extortion : Assertion : Attempts to commit securities fraud, extortion, omission, or identity theft are unacceptable. Supporting Fact : Cease and desist instructions are issued to stop such activities immediately. Privacy Act of 1974 Violation : Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Supporting Fact : Unauthorized use of credit information and failure to comply with fair information practices indicate potential Privacy Act violations. Indenture Trustee Act Violation : Assertion : Your institution 's actions may be in violation of the Indenture Trustee Act. Supporting Fact : Improper disclosure or no disclosure of pertinent information regarding my account status and transactions may constitute a breach of trustee obligations. Egregious Business Practices : To verify the facts in the preceding paragraphs, see ( 5 U.S.C. 903, 12 U.S.C. 95, 18 U.S.C.A. 914, 22 U.S.C. 263, 285, 286, 287, 288. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 06/27/2018 | Yes |
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Web | Servicemember |
| XX/XX/XXXX a check was deposited into my account it was a cashiers check and Ive been expecting settlements from a car accident and knew a check had been issued to the lawyer on XX/XX/XXXX. Also Im waiting for 2 settlements from my ex husband from the state of Ohio. It was later in the day which is a bad time for me and I just assumed and deposited it. On XX/XX/XXXX it came back as a fraudulent check the funds for it were reversed. On this day I was on my second day of a four days in bed. I talked to one gentleman at the bank. He explained what happened and said he couldnt help because I used the funds I stated around XXXX XXXX dollars he agreed we hung up. Hours later after waking up from a medication dose I had more questions so I called back. At that time a woman informed me of three separate transactions all from the same XXXX store two towns away. They were for {$1000.00}, {$900.00}, {$78.00}. I informed the woman I only do my shopping online and very rarely leave my house and had actually made an online purchase to XXXX that morning using my XXXX account. But I did admit to recognizing charges to a dollar store and XX/XX/XXXX and told her I had my daughter go get me some things. She closed my card and sent me something to fill out. XX/XX/XXXX I sent the form stating a dispute for the charges at some point a {$1900.00} credit was put on my account on XX/XX/XXXX on XX/XX/XXXX I received a call from a woman using a very off putting tone stating my dispute has been denied and the money would be reversed on XX/XX/XXXX. 7 days later even though the funds were available within the next day. They froze the account for 7 days. This woman told me my PIN number was used for these transactions I disagreed and explained I havent used a pin at a store for 23 years because of extra charges that used to occur she stated its impossible to not use a pin for the card. She insisted about my PIN number 3 times then stated I used it at an atm recently so it must be true. She then scolded me for letting my daughter use my card to my bank even though it is my money. I also read all their policies I could find and it is not stated that that is not allowed. She then blamed me for having the money in my account and told me if it wasnt in there the charges would not of went through. At this point I hung up and consulted my husband. We always thought money was supposed to be in your bank account and have never been blamed before for having any in our accounts. Plus I feel its obvious it is a military account that the military puts money in for my husbands service and anyone can put a card on a machine hope it works then take another chance and so on. We then started going back and forth with the bank with a different solution and story from approximately 25 people through my now on 19 days journey. But we didnt know the account was frozen I was just told the money would be removed on XX/XX/XXXX. After a doctors appointment we tried to use my husbands card on XX/XX/XXXX and it had been declined with his deposit and my support deposit in it. We called the woman said it was frozen but the money should have come out because it was available she then later stated the XXXX. I then called and requested a letter from the denial I received one in the mail it was dated on XX/XX/XXXX and it also verified fund removal would be on the XXXX also that all pre scheduled payments would be honored for 5 days after the date of the letter. They werent they were all sent back and I am now responsible for extra fees. On XX/XX/XXXX a secure message was sent stating as soon as our account reached {$2800.00} that amount would be removed because of the bad check. It was already removed. So once again given wrong information. On XX/XX/XXXX the money disappeared from my account balance with no record of where it went. I also had been on the phone everyday with a representative no questions ever got answered. XX/XX/XXXX finally arrived at XXXX at night I received a message that my account was open and in the positive status. At XXXX XX/XX/XXXX I called to verify the woman looked said it was fine even called the back office for a second verification. I tried to use the account had issues called back at XXXX again assured everything was working. Another call went to them at XXXX once again told everything looked good I proceeded to catch up the bills that had been returned. My husband went to a pet store and a dollar store and I think XX/XX/XXXX. Everything was fine. Later he ran somewhere and the card was declined we looked up the account and the {$1900.00} had been taken out in the middle of the day. Yes I called. A not nice woman looked into it then went on to tell me oh well it came out a day late I should of known better. This is after 4 verifications from representatives of the bank. I once again had to sit there and be scolded and told its all my fault. Again all bills I paid were returned and over {$300.00} charges have been charged to me. Even after one woman I talked to that said everything was fine had noticed a returned check fee on my account and reversed it on XX/XX/XXXX saying it was a mistake. Ive recieved three different stories of how to file an appeal a couple days after a woman telling me to secure message them I received an answer stating that they see that theyve told me how to do it already. After a phone call that lasted for 2 hours and 14 minutes I was told to call between 8-5 the next day to speak with security and this was relayed to me from the security office. The next day I called back that phone call lasted 3 hours and 31 minutes and included 2 people calling the security office 3 times between the both of them. I was then relayed the message I will not be allowed to have a debit card to access my money for 6 months. Still no help. It has now been 19 days our second direct deposits will be dropping in the morning but once again the money will be eaten away. As being two cycles of pay which our bills separate and come out at each pay and now will be returned again and more fees will happen my husbands command will more than likely be notified along with this hit being taken into consideration for his security clearance which his job depends on. Today is 2 weeks since I requested a copy of the denial letter I got an email from member services with an attached copy of it this afternoon. In my long journey I have done a fair amount of research on this credit union. I have found such bad reviews and sadly one of them is almost my exact story and pieces and parts of the other ones also share my experience. I understand there are millions of customers at these credit unions Im also wondering how many people this is happening to that this takes so long to get a reaction to. My denial and debit card being revoked decisions where made in approximately 2 days. This is peoples lifes and careers and credit they are messing with and dragging their feet with. Also in their policy one of the first sentences is that they are constantly monitoring for unusual transactions on your account. Im confused on how 3 separate transactions in one place for more money than Ive ever spent other than on a car that I had to call the bank and get permission to do first doesnt flag anything especially since I have alerts for purchases around {$200.00} in one day in one purchase that they have flagged. I have had problems with charges on my cards before and I understand the process that needs to be taken and I usually receive a letter within a month or two. Ive never had this happen. Im sorry but in all my career, and education to get the status and credentials I have and running XXXX dollar companies Ive never seen, heard or experienced anything like this. | ||||||
| 01/12/2023 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union ( NFCU ) Subject : Used Vehicle Loan On XX/XX/XXXX, a letter was submitted to Navy Federal Credit Union requesting that they take my name off from the vehicle loan agreement and make XXXX XXXX XXXX XXXX liable for the amount of {$13000.00} for breach of contract and fraud. On XX/XX/XXXX, NFCU called me to notify me that my request was denied and stated it was a civil matter between XXXX XXXX XXXX XXXX and me. I requested the decision to be in writing and I have not received it as of XXXX The car dealer where I purchased the vehicle, XXXX XXXX XXXX XXXX, was engaged in unlawful practices with their bussiness license by falsifying documents, misrepresenting, concealing, or failing to disclose important facts concerning the sale of vehicles and committed fraud when they sold me the vehicle knowing that they would not be able to provide NFCU with a title. XXXX XXXX XXXX XXXX breached the contract by not being able to provide NFCU with a title within the time required by law. I am requesting Navy Federal Credit Union to open an investigation and take enforcement action on XXXX XXXX XXXX XXXX and to take my name off the loan agreement and make XXXX XXXX XXXX XXXX or whoever cashed the check responsible for the amount of {$13000.00}. On XX/XX/XXXX, NFCU approved the loan application and provided me with a XXXX XXXX report that did not list any legal issues or title problems with the vehicle. My agreement to the terms and conditions of the loan was only if the dealer conducted bussiness in accordance with the law. The check was written to XXXX XXXX XXXX XXXX not to me. On XX/XX/XXXX, XXXX XXXX XXXX XXXX committed fraud by selling me a vehicle that they knew they would not be able to provide a title for. XXXX XXXX XXXX XXXX fraudulently sold me a vehicle for {$18000.00}, which {$5000.00} were paid cash and {$13000.00} with a check financed by NFCU, written to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX or someone cashed the {$13000.00} check knowingly that they would not be able to provide the title and that the vehicle had legal problems. On approximately XX/XX/XXXX, XXXX XXXX notified me that sales representative XXXX XXXX at XXXX XXXX XXXX XXXX was willing to take the vehicle back and refund the total purchase price amount of {$18000.00}. On XX/XX/XXXX, I took the vehicle back to the dealer, XXXX XXXX inspected and took possession of the vehicle and gave me a {$5000.00} cashiers check from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) written to me and a delivery letter/receipt. I made NFCU aware and submited delivery receipt to them. XXXX XXXX XXXX XXXX said it will take them approximately XXXX XXXX to pay Navy Federal Credit Union the {$13000.00}, but refused to put it in writing. To this day, XXXX XXXX XXXX XXXX has not made a payment to NFCU or attempted to contact NFCU for payment arrangements. XXXX XXXX XXXX XXXX is under XXXX XXXX for fraud and unlawful practices in XXXX XXXXXXXX XXXX ( See Case numbers below ). According to XXXX XXXX XXXX from the XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX was engaged in unlawful practices with their bussiness license by falsifying documents, misrepresenting, concealing, or failing to disclose important facts concerning the sale of vehicles. XXXX XXXX XXXX appeared to be the main man and have control over XXXX XXXX XXXX XXXX making all decisions and transactions of the sale and return of the vehicle. After returning the vehicle, XXXX begin ignoring my phone calls and did not replied to my text messages. On XX/XX/XXXX, XXXX XXXX replied to XXXX of my text messages saying that I needed to contact XXXX ( no last name given ), another sales representative because he no longer worked there. XXXX XXXX XXXX XXXX breached the contract by not being able to provide a title and committed fraud by cashing the check. It is NFCU 's duty to take enforcement action related to fraud on XXXX XXXX XXXX XXXX and their financial institution to find out who cashed the check. I am requesting NFCU to remove me from the loan agreement and make XXXX XXXX XXXX XXXX or XXXX XXXX responsible for the debt or payments. NFCU raised the interest rate on my loan for not receiving the title within a specific time frame which was totaly out of my control. XXXX XXXX XXXX XXXX XXXX did not provide a title to NFCU, NFCU converted my loan XXXX to a prevailing unsecured rate of XXXXXXXX XXXX, and increased my XXXX payment amount of approximately {$200.00} to {$270.00}. I have been cooperating with NFCU to resolve this and keep my account current. I have made hundreds of attempts to reach out to XXXX XXXX XXXX XXXX and XXXX XXXX asking them to submit payment. On XX/XX/XXXX, I contacted XXXX XXXX to see if it was possible for me to recover the vehicle from XXXX XXXX XXXX XXXX and negotiate with NFCU to take possession of the vehicle to pay off the remaining balance outstanding on the loan or to come to an agreement, but learned from XXXX XXXX that XXXX XXXX XXXX XXXX had sold the vehicle on XX/XX/XXXX for {$13000.00}. XXXX XXXX also told me that XXXX XXXX XXXX XXXX bussiness license had expired on XX/XX/XXXX and that they did not renewed it, and that their car lot was empty and possibly permanently closed. How is it possible that XXXX XXXX XXXX XXXX was able to sell this vehicle again? Why is XXXX allowing this type of bussiness continue operating and no legal penalties and why the car was not impounded if it was under investion? Why did the XXXX XXXX report did not alerted me or the other buyer of danger or problems with this same vehicle? On XX/XX/XXXX, I submitted a demand letter of debt to XXXX XXXX XXXX XXXX through XXXX XXXX mail demanding the amount of {$13000.00}. On XX/XX/XXXX, I filed a fraud report on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) took a courtesy report ( case # XXXX ) at the XXXX station. Once the report is approved, they will forwarded it to the XXXX XXXX XXXXXXXX XXXX XXXX I am a XXXX XXXX NFCU member with exellent credit and have had several used vehicle loans throughout the years with NFCU. All loans have been paid in full and payments were made on time every XXXX XXXX XXXX XXXX Currently XXXX XXXX has XXXX used vehicle loan accounts open with NFCU, and the reason is because NFCU would not approve me a second loan without providing a title for the first XXXX. The sellers of these XXXX vehicles acted in accordance with the law and titles were released to NFCU for being the lien holder with no problems. I am the head of household and responsible of making payments for all XXXX loan accounts which are all current. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since the begining NFCU was informed of the issues with XXXX XXXX XXXX XXXX. NFCU has been a witness of the nightmare it has been for me to attempt to get them their title. Below is XXXX XXXX XXXX XXXX business information and XXXX case numbers. I am requesting that Navy Federal Credit Union take my name off the loan, or at minimum to suspend or freeze the loan account without any penalties and accumulating interest charges until this case gets resolved, and to open an investigation and take enforcement action against XXXX XXXX XXXX XXXX owner XXXX XXXX and sales person XXXX XXXX XXXX for XXXX and make them accountable for the amount of {$13000.00}. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : PURCHASE PRICE {$18000.00} | ||||||
| 01/06/2023 | Yes |
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Web | |
| XX/XX/XXXX - Fraudulent accounts opened in my name at Navy Federal Credit Union ( " NFCU '' ). Perpetrator used my real name, address, and social security number, but used a fake email address. Accounts were set up with paperless billing so I would not be aware. Credit card is mailed to an address different from mine, despite the accounts initially being set up with my real address, which shows a lack of due diligence and appears to be a violation of KYC standards. NFCU did not reveal the address the credit card was sent to until XX/XX/XXXX, see further information below. XX/XX/XXXX - I receive a letter from NFCU asking to confirm my SSN for the accounts opened in my name. I immediately call NFCU to report these accounts as fraudulent. The NFCU associate informs me that their fraud reporting system " is down '' and I have to send an email to them with the fraud report attached. I send the email as instructed. Despite refusing to confirm the validity of the use of my SSN, NFCU allows these accounts to remain open. XX/XX/XXXX - I run a XXXX report to identify any other fraudulent activity related to my SSN. I see a subprime lending company has requested a credit check. I also freeze my credit reports with all three bureaus and put fraud alerts on my reports. XX/XX/XXXX - I call the subprime lender to find out if they allowed a loan to be opened in my name. They confirm that they did not, as it was apparent to them that the request was fraudulent. Despite being a significantly smaller organization than NFCU, they were better equipped to identify fraud. XX/XX/XXXX- XXXX XXXX 's credit card fraud team calls as they have identified a fraudulent credit card application in my name. I call them back to confirm that they are correct about the fraud and to have the application terminated. I am disclosing these two incidents in addition to the NFCU fraud to highlight that two other organizations did identify these scenarios as fraudulent, while NFCU failed to do so. XXXX XXXX XX/XX/XXXX ( did not document exact date ) - Received a letter from NFCU thinking it would be the results of the fraud investigation. Rather, it was a letter attempting to collect the approximately {$12000.00} of debt that the perpetrators charged to the credit card. I called NFCU to ask why the fraud investigation had not occurred. They told me because " the system was down '' at the time I submitted the report, they had not gotten around to it. The NFCU associate also told me other information including the types of charges on the card, the largest being a XXXX website. I have never purchased XXXX of any kind. The NFCU associate also informed me that the perpetrator attempted to use the card in person at a XXXX XXXX store in XXXX, XXXX on XX/XX/XXXX. I do not live in XXXX and have evidence to support that I was at home on the east coast on this date. XX/XX/XXXX - The three credit bureaus had removed the fraudulent account from my credit reports, however, as NFCU still had not performed a fraud investigation and was still reporting the accounts as legitimate, the bureaus began to add the accounts back to my reports. I called NFCU again on this date and was informed that they had never processed my fraud report, still citing that it was due to the system being down. The NFCU associate I spoke to re-filed the fraud report and said she would ask to have it expediated. XX/XX/XXXX - I receive a " Notice of Important Rights '' from NFCU stating I may dispute the validity of the debt in my name. I call NFCU again and am transferred to the security team who refuse to answer any of my questions and repeatedly tell me that investigations are handled in the order they are received and despite the initial investigation being botched, they will not prioritize my case. The associate on the security team was rude and displayed a nasty attitude. XX/XX/XXXX - after accumulating the information and exhibits I need, I write and mail a letter to NFCU to dispute the debt. XX/XX/XXXX - I receive a letter from NFCU stating that the debt is still valid and that their evidence is the account statements from the previous three months. An account statement for an account that is fraudulent should not be considered evidence that the debt is valid. It appears that this is a tactic used by NFCU to avoid investigating or acknowledging fraud. NFCU also enclosed a copy of the letter sent when the credit card was mailed out. The letter was addressed to a home in XXXX, XXXX. As stated above, I do not live in XXXX. I have never lived in XXXX. I do not have relatives in XXXX. I have never authorized anyone in XXXX, or anywhere else, to use a credit card in my name. I searched for the address online and the names affiliated with the address are people I have never heard of. XX/XX/XXXX - In reviewing the hard copy account statements sent to me by NFCU, I notice a minimum payment has been made on the credit card. I did not make this payment and my assumption is that the perpetrator made this payment to be able to use the credit card again. I call NFCU to understand what has happened. The NFCU associate informs me that a payment was made from the fraudulent checking account that was also opened in my name. She agrees that it is likely the perpetrator made the payment to be able to use the card. She also notes that the fraud investigation was closed, with no notes to indicate why. NFCU 's policy is to communicate results of fraud investigations by mail. As they did not do so, the associate put in a request to have the denial of investigation mailed to me and also requested the investigation to be reopened. She then transferred me to the credit card fraud team to gain further information. The associate on the fraud team informs me that she can not give me any information. I simply wanted to understand if the perpetrator was able to use the credit card now that they had made a minimum payment. After informing her that I intended to go to the police with the information I have, she finally tells me that the card is restricted and can not be used. Still planning to go to the police and file a report, I ask for where to send the police report. She tries to avoid giving me contact information and states that information can only be sent to the fraud investigators if they ask for it. I keep pushing and eventually she gives me the email address for the security appeals team. XX/XX/XXXX - I go to my local police station to file a police report, including the address in XXXX that the credit card was sent to so the two police departments can communicate. I also call the police in XXXX, XXXX, but they refuse to take information from me and state that it needs to go through local police. Local police tell me a detective will be assigned and will reach out to me, but can not give me a timeline XX/XX/XXXX - I reach out to a financial private investigator who suggests filing with the CFPB, as the actions of the bank are a violation of KYC standards and could warrant regulatory investigation. As the instructions state not to include any personal information, I have not attached any documentation related to this complaint. Upon request, I will gladly provide any documentation including my correspondence with NFCU, the ID theft report I filed with the FTC, the ID theft affidavit provided to the police, the address the fraudulent card was sent to, etc. I have saved all documentation related to this fraud. Except for the police report, which I just requested yesterday, NFCU already has all of the same information, but refuses to do anything with it. | ||||||
| 01/17/2022 | Yes |
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Web | Older American, Servicemember |
| Navy Federal Credit Union [ NFCU ] Service CS Call Center and XXXX XXXX XXXX XXXX the P0lice me last yr ... XXXX XXXX XXXX yr member, based 0n their mistake 0n the XXXXXXXX XXXXJan XXXX, XXXXNavy Federal officials agreed to the settlement without admitting or denying the allegations, according to the consent order. Officials said earlier in a statement that " where our collection practices have come up short in the Consumer Financial Protection Bureau 's estimation, we have made all the necessary changes. We have cooperated with the CFPB throughout the process. '' XXXX XXXX covers military families, quality of life and consumer issues for XXXX XXXX. She can be reached at XXXX Your Message XX/XX/2022 : Please as well listen t0 the calls I have had wi y0ur CS Reps this past week, they are deplorable as this CU has bec0me t the Mil C0mmunity fr te past 15 yrs since XXXX XXXX has been in charge please g0 back t having a XXXX XXXX XXXXXXXX fr0m the XXXX XXXX the XXXX as being the XXXX XXXX XXXX member ... L00k at the NFCU Bl0g 0f complaints about y0ur service t0 it members... and please fix the time 0ut cl0ck while we a typing i this msg applicati0n ... its t0 quick! N0t given us en0ugh time and it de0snt save allw0wig us t c0me back and finnish ... these are the things y0u sh0uld be give attention... NFCU Navy Federal XXXX XX/XX/2022 : Thank you for using Navy Federal 's eMessaging Service. We have received your appeal and have forwarded this information to start the appeal process. Once this has been assigned, it can take up to XXXX business days for a decision. If you have further questions, please call XXXX. Thank you. Your Message XX/XX/2022 : XXXX XXXX and XXXX XXXX, thank you so very much for your assistance and support with this process and this matter, much appreciated. No matter what the outcome, you have assisted me 100 % with this Veteran / SC 100 % with this process of a Business Vehicle loan... Thank you both and the NFCU ; XXXX XXXX and her staff sh0uld acknowledged y0u tw0 as well as XXXX XXXX / Early MoRNING Suvp ... and XXXX, and XXXX { See my acc0unt NFCU C0ntact with C0mmercial - C0nsumer and the Business side 0f the { NFCU H0USE }, these individuals sh0uld be commended by their senior Management. As I matriculate thr0ugh this very uncaring and very flawed / failed NFCU system that I have seen change in the past 15 yrs, t0 this Credit Uni0n that 0nce I0ved in the first XXXX yrs 0f my membership XXXX XXXX, and staff. T0day I despise having t0 interact with, 0n any 0 ccassi0n. But this week there were exceptions with this individuals ab0ve, they st00d 0ut and helped and assisted this veteran 100 % XXXX / { XXXX } suffering like many veterans, verse barring me fr0m the XXXX XXXX XXXX, calling the police on me like the Manager there did we get up in my face while I was speaking with the assistant mgr whom I had worked with about this ck that was nt cashable due t the back f the ck being already franked with anther members inf0rmati0n, and I was unable t0 cash at XXXX XXXX when I XXXX00k it there t0 be cashed. This was a mistake 0f NFCU n0t XXXX XXXX resulting in me being barred, y0u never l00ked at the camera and saw what she did, and y0u 0nly blamed me, this lady mgr had been c0nf0rting me bef0re as I stated, t0 y0u In my reply ab0ut this XXXX XXXX and y0u ignored my response. Due t0 my XXXX and XXXX condition being triggered when she g0t up in my face triggered my XXXX, and I replied t0 her t0 stepback... she t0ld the assistant manager { XXXX XXXX man } t0 call the p0lice... The P0lice assisted me with getting me a new ck drafted ... Als0, I seek damages fr0m y0u NFCU f0r the embarrassment, and the psy triggering and pain and suffering f0r 0ver 2 yrs ... 0f this Vet my XXXX as a VA SC Vet XXXX XXXX XXXX exasperated and aggravated ... based 0n this incident was caused by y0ur staff, failures in check / draft and I w0uld like y0u t0 f0rmmerly address this issue in writing about the incident, which may lead to litigation and c0urt arbitration for damages t0 this Veteran / Patient being a XXXX yr member at NFCU, y0u failed to acknowledge my disability.. That I have sent to you via upl0nd email and Message system, and you still continue to bar me fire incident and in the telpher c0nversati0n I have gah with yu failures of the staff Customer service files that are ply trained some of them. And you blame me for their pr traig based in what I have leaded in XXXX yrs to expect in service and for the last XXXX yrs haven't received by this NFCU, y0u created this expectation and y0u was you that nallwe yu staff t slip ibt his tsh less than expeditii serve level and I react and respond to may a lil tmch wwe t the XXXX triggering when they speak with me unprofessionalism.. I didn't Curse at her 0r use Profane language.. I just asked her t0 stepped back 3 feet and that she was in my z0ne... Please l00k into this as well in removing my restrictions t0 enter a Branch. Thank y0u XXXX XXXX. I am again citing these issues of concern NFCU! XXXX XXXX Follow Up Message : * This is my c0mplaint that I am making y0u NFCU aware 0f n this date based 0n y0ur Fraudulent activity with respect t0 this article, I will as well be c0ntacting the the bel0w with regards.. : This is what y0u d0 t0 Us in 0ur c0mmunity, 0f th0se that Served and Sacrficed their lives and y0u cheat Us ... as y0u have with me in denying me access and calling the p0lice me and y0u sh0uld be awarding me damages... f0r y0ur wrg ding ad that f this manager whis y0u had t see it the cameras ... as well heard h0w y0ur CS Call center folks have sp0ke with me 0n the ph0ne back then as well as w..please pull the calls ... and Think you're eligible for part of the Navy Federal Credit Union {$23.00} million settlement affecting hundreds of thousands of customers? If you are, you should be hearing from NFCU soon. " Consumers should know that Navy Federal Credit Union will contact you if you are eligible for compensation under the consent order, " said XXXX XXXX, a spokeswoman for the Consumer Financial Protection Bureau, the federal agency that investigated the credit union 's allegedly deceptive debt-collection practices. Some consumers have contacted XXXX XXXX with questions about who to contact for information about whether they might qualify for compensation. If you believe you've been overlooked, you can contact the credit union at XXXX, NFCU spokesman XXXX XXXX said, or file a complaint with the Consumer Financial Protection Bureau at XXXX, according to XXXX. The Consumer Financial Protection Bureau alleged that the credit union misled its members about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning, affecting hundreds of thousands of people. In addition to the {$23.00} million in compensation to consumers, the credit union must correct its collection practices and pay {$5.00} million to the CFPB civil penalty fund. Navy Federal officials agreed to the settlement without admitting or denying the allegations, according to the consent order. Officials said earlier in a statement that " where our collection practices have come up short in the Consumer Financial Protection Bureau 's estimation, we have made all the necessary changes. We have cooperated with the CFPB throughout the process. '' XXXX XXXX covers military families, quality of life and consumer issues for XXXX XXXX. She can be reached at XXXX XXXX WE READ WE EXCEED EXPECTATION ... .. BUY A BOOK TODAY! | ||||||
| 02/19/2020 | Yes |
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Web | |
| On XX/XX/XXXX of 2019, shortly before XXXX XXXX, I missed a call as I was on my way to the gym. I listened to the voicemail and returned the call immediately as it was the fraud department from my bank, Navy Federal Credit Union, regarding some suspicious activity. The first thing I noticed was that I had a very difficult time trying to get a hold of someone through the automated system, which had not be the usual case in the past. Once I did get someone on the line, I stated I had received a voicemail regarding some suspicious activity. She began looking up my information and I logged into my account via my app and we went over the transactions that had taken place that were not my doing, only of these had been flagged. The transactions all had taken place in Georgia and Tennessee. She asked if there was any chance that it was me, and I said no, and that I was in XXXX, CA. I also told her I still had my ATM card with me. While she was on the phone I went to check and see if my credit card had been affected as well when I noticed a large amount missing from my savings account. I selected my savings account and noticed that someone had also withdrawn {$9000.00} in cash. I informed the lady on the phone, and she immediately looked into it. She stated someone walked into a branch in Georgia, requested a new Debit card and pin, and then continued to withdraw {$9000.00} in cash from the teller. She said it then appeared as they took then took that same card to make all the suspicious transactions that had been flagged on my checking account. She informed me that they would have to open up two separate claims due to one set of transactions being via Debit card, and the other being performed in person at a branch. She said they would have to wait until the transactions were no longer pending and had cleared. She said they would follow up with me. I did not hear back from them all weekend, so I contacted them the following Monday, XX/XX/2019. I spoke to someone and asked for an update. I spoke to them the next day as well and they said that I would most likely be receiving a temporary credit to my account for the transactions that had been completed via the debit card effecting my checking account, but would not be able to be temporarily credited for the {$9000.00} cash withdrawn due to the difference in investigations. I also learned, after asking them how this could happen, even if they had stolen my information from somewhere else, since Navy Federal has a secret verbal password in order to complete anything. So how did someone know what my verbal password was considering that is not something they can steal from anywhere else, and I was informed that Navy Federal had done away with the need to use the verbal password. I told them, that verbal password could've been the one thing that kept my money safe. I then asked them if they had contacted the authorities in that area where the money was stolen, and I was told that they do not do that, and that if I wanted the authorities contacted, I would have to do it myself. Now, I have never had this happen, so I had unfortunately assumed, that a bank would call the authorities to ensure this doesn't happen at whatever branch it happened in, but I was wrong. So I began my research into what authorities to contact since I reside in XXXX XXXX, CA, the fraud took place in two different states quite far from me, and I didn't know who's jurisdiction this would belong to. A friend of mine that is a police officer in a different city of California, recommended I contact my local sheriff station and speak to them regarding the situation. I went ahead and filed an incident report with XXXX XXXX on XX/XX/XXXX. I let the bank know as well. I continued to keep in contact with the bank asking for updates, and asking if they had figured out how this could've happened, and the staff became ruder and ruder. This was all a very uncomfortable and scary situation from the beginning, and their treatment was very uncaring. I finally received a voicemail in XX/XX/XXXX, stating that my fraud claim for the {$9000.00} claim withdrawal had been denied and deemed my responsibility. I immediately called back and had another rough time trying to track down the woman that had called. Once I was connected to the security/fraud department they verbally told me the same thing. I asked what evidence their decision was based on since I was in XXXX, California when all of the transactions took place. The security lady informed me that due to the fact that the individual used my pin to make the withdrawal that proved that it was me. I verbally disputed this, and informed the lady that I was personally made aware of the fact that someone had walked into that branch shortly before making that withdrawal and was given a new debit card and pin, which is why they had a pin. And that if she looked in the history of it all she would clearly see that. She stated that the decision had been made and that they would not be reopening the claim. She asked if I would like to see the evidence and surveillance that they had proving it was me, and I said yes. She then proceeded to tell me that she would need a subpoena. I was very upset when this happened and told there I wanted to speak to someone else. She told me I could file a dispute on the claim. I called back and asked how I could file a dispute, again, I was treated very poorly and even brought that to their attention. No one would give me the name of the lady that had handled my case, the name if the individual that made the decision on it, or even the file number. They thought I simple wanted to complain about one individual when in reality I was trying to dispute the decision because I had evidence that I was in California the day of the fraudulent activities took place and I needed who to forward everything to. The whole situation was very frustrating and mentally and emotionally draining. On XX/XX/XXXX, I received the denial letter for the {$9000.00} claim as confirmation that it was indeed denied. Luckily, on the day the fraud occurred, XX/XX/2019, I was caught on camera in XXXX, CA, on multiple phones due to having a going away luncheon for a colleague at our work office, and I was also caught on my jiu jitsu instructors camera while I was on the phone with the fraud department at the gym. I have contacted an attorney as I feel that my continued pursuits to try to correct this with the security/fraud department will lead nowhere. I do would prefer not to move forth with litigation, but I need my money back! As a new realtor, I am technically self-employed, worked my butt off for that money and still have to pay taxes on all that money that my bank allowed to walk out of the bank branch. It is ludicrous! Where is my protection as a, multiple year, loyal member of that credit union?! It is absurd how easily these people could just walk in and steal my money from my bank IN PERSON. Absolutely makes me afraid to bank ever again! The only individuals that treated me with exceptional care, was the initial lady I spoke to, the one that gave me all the details that took place that day, and the very last gentleman by the name of XXXX, that was trying help me figure out how to get things sent to the right person, and although we didn't exactly find anyone concrete, and he found me a general address, he was so kind to me, that I actually broke down crying because FINALLY someone with some compassion for the true victim. Shame on everyone else! | ||||||
| 07/23/2020 | Yes |
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Web | Servicemember |
| Consumer Complaint Division Good Morning, I am XXXX XXXX and writing this Consumer Complaint letter on the discrimination and federal laws violations of Navy Federal Credit Union. I have submitted a timeline of events in which will show : discrimination, incompetence, stall tactics, credit violations and unlawful denial of a mortgage loan. Here is the timeline of events since my loan was submitted on XX/XX/XXXX. XX/XX/XXXX applied for loan and opened savings account. XX/XX/XXXX asked my processor XXXX to send over docs that we discussed the week prior XX/XX/XXXX asked my processor to send over correct docs as she sent incorrect docs with me borrowing $ XXXX XXXX she sent apologizing email and sent over loan amount $ XXXX with 3 options 2.6,2.7, and 2.8 in which I selected option 3 ( XXXX ) XX/XX/XXXX emailed follow-up requesting loan docs for our XXXX discussion on rates and options XX/XX/XXXX called and left VM stating I was ready for appraisal XX/XX/XXXX called and sent emails to set up appraisal and paid for the service XX/XX/XXXX sent processor 2nd request email to move forward with appraisal XXXX sent urgent email asking for intent to proceed docs from processor XXXX XXXX sent 2nd email advising processor that appraiser came today and I still needed intent to proceed docs XXXX XXXX stated she would resend docs for us to sign XXXX sent email asking where we stood in closing process and what else was needed XX/XX/XXXX XXXX wrote asking if I heard from title company ( never ) and to let me know my file was going to self employment document review. XX/XX/XXXX XXXX stayed that they were getting my tax transcripts to review self employed income. XX/XX/XXXX XXXX stayed that underwriters were asking for XXXX & XXXX W2 and or 1099 which I advised that tax documents were sent months ago. XX/XX/XXXX I was told that the title was cleared XX/XX/XXXX I emailed asking for rate reduction and cash out refinance to pay off loan. Did not get a call XXXX I called and spoke to Navy Federal Rep and she advised I could get 2.8 % rate with no points or origination fees XXXX emailed XXXX asking about rate and freedom lock as well as closing date and to discuss how long this process is taking. XXXX I signed and sent payoff docs to pre closing processor for my current mortgage XXXX XXXX XX/XX/XXXX XXXX stayed that they needed to run a new credit report??? I asked why and she said loan was over the days required for a new credit report. Again I voiced concern over delays and lack of communication on closing date. Gave authorization to RE run credit. XX/XX/XXXX XXXX emailed saying my debt to income was too high ( nothing changed from my 1st credit report ) I advised her that I have {$180000.00} in equity and we could payoff whatever to make loan work. I also advised her that truck was XXXX use vehicle and paid thru XXXX as it is listed on my corporate tax returns. XX/XX/XXXX Navy Federal denied my loan and sent me a letter. No word from my processor?? XX/XX/XXXX after several attempts to contact someone in management XXXX XXXX called and we discussed my loan. After the call I felt finally we would get loan closed. I sent her prove that truck was paid thru the company and they agent payroll deduction XX/XX/XXXX I also sent bank account balance $ XXXX and Mutual fund statement showing $ XXXX as requested XX/XX/XXXX I wrote a reconsideration letter and XXXX says she agreed with the basis of my letter. I have XXXX in equity and {$110000.00} in liquid cash why wasnt I giving options before my loan was denied as of a 30yr mortgage or to pay off items with cash on hand or use equity as I stated to XXXX months ago?? XX/XX/XXXX I sent XXXX ( Supervisor ) that both XXXX XXXX cards have been paid off fully and all documents that she requested. As well as proof my XXXX XXXX was paid thru my corporation and listed on my corporate tax returns as a XXXX vehicle. XXXX I asked XXXX to give me a call as I had a quick question. No response. XXXX I emailed XXXX asking for closing date and that the process was becoming exhausting and troublesome. XXXX I sent payoff records from XXXX XXXX XXXX XXXX and also voiced concern that Ive sent 3 emails with no response. XX/XX/XXXX I received email from new processor XXXX XXXX saying she was assisting XXXX and apologized for all of the delays stating she needed addl disclosures signed and homeowners XXXX page showing Navy Federal as mortgagee. XXXX XXXX requested statement from XXXX XXXX XXXX XXXX on payoff XX/XX/XXXX I called on my birthday to discuss rates and closing dates. I was told that my rate would be floated down to 3.0 % and that everything was approved. XXXX. I sent XXXX XXXX an email asking about closing and didnt get a response. I asked for the corporate complaint email address as well and still didnt get a response. ****I have every e-mail and correspondence to prove my allegations. **** I was told when I applied that the process would take around 90 days. I said seems like a long time and XXXX said they had lots of loans due to the low rates. As you can see above, this process is in month 7. As a XXXX XXXX veteran and a 19yr XXXX XXXX, I feel totally disrespected and discriminated against. Ive submitted 2yrs of tax returns, W2s, proof of employment, proof of XXXX XXXX ( Fortune 500 ), proof of credit cards paid in full, submitted payoff docs for state farm line of credit and XXXX XXXX 1st & 2nd loans. The above shows willful abandonment, discrimination, and federal laws being broken. I have only spoken to my loan processor on the phone twice in 7 months. They take 2 weeks to respond to emails and never return phone calls. After I spoke with Supervisor XXXX, I felt that we were moving in the right direction, She even stated I dont understand why they denied your loan with the assets and the equity in your property ''. She stated each underwriter is different and depending on who underwrites your file the decisions can be different. I received no less than 6 good faith estimates with all sorts of interest rates and origination fees. When I called or emailed to discuss, I never received an answer and more delays and stall tactics. I have been sent 5 different loan estimates and all sorts off different fees and charges. When I call and speak to a customer service Rep, they tell me they can only forward me to my processor ( who never answers phone NOR return calls or emails ). RESOLUTION I would like my loan closed. There is no reason for a loan to take over 7 months to close. My debt to income is under Navy Federal guidelines and the only reason that my loan hasnt closed is for the reasons list above. Income docs submitted and approved by Navy Federal is well over {$6500.00}. My DTI ratio is 35-38 %. My credit is good and qualifies under Navy Federal guidelines. Current Debt : Mortgage {$2000.00} Car Note {$320.00} Debt not considered : Truck ( paid by corporation with submitted doc and shown on corporate tax returns ) {$700.00} XXXX XXXX ( Paid in full sent docs to Navy Federal ). $ XXXX XXXX XXXX Line of Credit ( Will be paid off with cash out refinance, docs sent to Navy Federal ). {$0.00} Please respond back to this within 15 business days. As you can see, this has been a compete nightmare and zero accountability from Navy Federal. Best regards, XXXX XXXX XXXX cell XXXX office OFFICIAL CODE OF GEORGIA 7-6-1. Discrimination in extending credit or making loans prohibited | ||||||
| 07/10/2022 | Yes |
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Web | |
| Navy Federal Credit Union ( NFCU ) has misled us on our mortgage application for over 3 months. This deceptive practice is resulting in financial damages that we will suffer. Below is a synopsis with a full summary of events to follow. Navy Federal Credit Union ( NFCU ) knew we wanted to leverage a 1031 exchange from beginning of our mortgage application process for a second home ( XXXX ). NFCU notified us in XXXX that they would not accept a 1031 when there was never indication this would be an issue. Our application was always for a 2nd home and based on the documentation we have provided, it was evident that the 1031 was a result of selling investment properties as an investment exit strategy. Had this been communicated from the beginning, we would have gone with a different lender months ago. But given the economic environment, this would result in more substantial damages from an increased interest rate vs the capital gains tax from selling a property. Capital gains taxes will now be owed on two sold rental properties since the funds can not be used as 1031. Additional fees are owed and interest rate arbitrarily increased although NFCU was aware of our closing date and our intent to extend rate lock into XXXX. Summary of Events : XX/XX/XXXX We began mortgage application process with Navy Federal Credit Union ( NFCU ) to purchase a property in XXXX XXXX, CA as a secondary home, utilizing a 1031 exchange. We advised NFCU we were relinquishing two rental properties ( hereinafter will be referenced as Rental 1 and Rental 2 ) in exchange for the XXXX XXXX property. Loan officer stated she would make a note of the 1031 in the file. We included business tax returns for years XXXX and XXXX, clearly indicating both rental properties were investment properties. We intended to have 3 borrowers ( hereinafter will be called Borrower 1, Borrower 2 and Borrower 3 ) on the application however the online application does not offer this functionality, so we communicated to the loan officer of our intent. XX/XX/XXXX Mortgage application is sent to NFCU underwriting team. Loan officer included a note to underwriting team to add Borrower 3 to existing application. XX/XX/XXXX Conditional approval received Loan officer communicated to us that a new application needs to be submitted ( and that they would do it on our behalf ) to include all three borrowers and that we could not simply add third borrower to existing application. Because we would need to apply for a new loan application, the interest rate ( 5.125 % ) that we had locked into on the XX/XX/XXXX application would need to be given up and instead would need to accept current rates which had increased significantly. We question this and NFCU replies with I am hoping you will be under approval status after all these items are uploaded, and the underwriter will give us the OK to add a 3rd borrower to the current application with the rate of 5.125 %. IF you do not qualify and need the third borrower, then the backup application will be required to move forward and will reach out to our pricing team regarding that rate at that time. At this point we have two open applications. One application with Borrow 1 and Borrower 2 at 5.125 % rate. Second application with only third borrower at a much higher 6 % rate with XXXX points to pay down the rate. XX/XX/XXXX We received request to complete mortgage estimate, which third borrower not been added to loan terms yet. We again confirm to have third borrower added and extend rate lock to our original application. NFCU states we dont need third borrower to move forward with application, and that Borrower 1 and Borrower 2 can move forward alone. Second application was created in the event NFCU states that we must use the second application with the third borrower on it ( with the higher rate ) even though from the beginning of the application process, we intended to have three borrowers however NFCUs online application process limited to only two borrowers. We escalate for management exception We confirm that as of XX/XX/XXXX, Rental 1 and Rental 2 have been sold ( i.e. relinquished as part of 1031 exchange ). XX/XX/XXXX NFCU requests closing disclosures of relinquished properties XX/XX/XXXX XXXX re-submitted to underwriting with request to add Borrower 3 to application 1. XX/XX/XXXX Introduction with title company of XXXX XXXX property, NFCU team, buyers RE agent and buyers. Confirmed all three borrowers. Confirmed using a 1031 exchange. XX/XX/XXXX NFCU advises underwriting team is not allowing a 1031 exchange whereby investment properties are sold, and a secondary home is bought. We send NFCU specific IRS language articulating this is possible. As part of Revenue Procedure 2008-16, someone may buy a future primary residence, second home or vacation property ( personal use property ) as an exit strategy from investment real estate as long as certain criteria are met ( which we were intended to comply with ). Additionally, sent website of our 1031 intermediary to NFCU stating 1031 for investment property to personal use property is allowed. o We sell the investment property then purchase personal use replacement property ( i.e. vacation home ) o Rent property for minimum 14 days for two calendar years o Limit personal use to no more than 10 % of total rented days. 30-day rate lock extension submitted with a fee of .125 %, good through XX/XX/XXXX. XX/XX/XXXX NFCU states underwriting still have not allowed 1031 funds to be used in purchase and request a letter from 1031 intermediary stating 1031 can be used for the purpose of purchasing a personal use property as an exit strategy from an investment property. XX/XX/XXXX NFCU submits final declaration to not allow the use of 1031 exchange funds to purchase XXXX XXXX property. They stated that because we can not sell an investment property and purchase a secondary property and that further this gives the illusion that we want to rent out the XXXX XXXX property and if we wanted XXXX XXXX property to be a rental, that we would have had to apply for a different mortgage product. XX/XX/XXXX Acknowledged we will no longer use 1031 exchange and move forward with loan process ( order appraisal, etc. ) XX/XX/XXXX We request new loan estimate with rate lock extended through XXXX XX/XX/XXXX NFCU stated we must wait until we get closer to end of the rate lock and will have to ask Pricing Desk to allow another extension. It must be within seven days of lock expiring. Once we get to that point, NFCU will send a request to our Pricing Desk for 30-day extension. XX/XX/XXXX NFCU states that the rate has expired and advised the rate would be increased to 5.50 % and locked for an additional 30 days with the onetime fee of the .125 % ( for the original 30 day rate lock extension ). Conclusion : Deceptive Practices leading to Financial Damages NFCU knew we wanted to leverage 1031 exchange from beginning of mortgage application process ( XXXX ) NFCU notified us in XXXX that they would not accept a 1031 when there was never indication this would be an issue. Otherwise, we would have gone with a different lender months ago. Capital gains taxes will now be owed on sold Rental XXXX and Rental XXXX since the funds can not be used as 1031 Additional fees owed and interest rate arbitrarily increased although NFCU was aware of our closing date and our intent to extend rate lock into XXXX. | ||||||
| 08/24/2023 | Yes |
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Web | Servicemember |
| I have been pre-approved for a VA mortgage to purchase a home at my next duty station since XXXX of XXXX. This was used to shop for a home at up to this pre-approved price since, with finally finding a home in XXXX. Shortly after, the ratified contract was sent to NFCU XXXX on XXXX XXXX. On XXXX XXXX, NFCU requested clarification on the 4 credit report inquiries that occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As well as an explanation about a previous address which I had not resided in for over three years. I explained that the 4 inquiries were : NFCU, another company that I was shopping with for mortgages and another mortgage company which I was looking at for potentially assuming a VA mortgage on, and the last was again NFCU. And I explained that the previous address, from more than three years ago, was a previous home that I had a mortgage with NFCU, and sold that home, several years ago. On XXXX XXXX, more information was requested from the underwriter for the following : Refi has occupancy of current primary as Second Home, please confirm which application is correct as occupancy must be the same on both applications. You are going to be renting out this property, right? By any chance are you going to be renting to a family member? On Refi app the borrower has 2 dependents listed ages XXXX. None are listed on this application, please determine which is correct as the LES does show that he is receiving BAH w/dependents however it lists w/Spouse. Please obtain an explanation, is he married? Estimated Flood Insurance needs to be added to the Escrow info table as it must be included in ratios Do you have a quote for flood insurance and homeowners yet? Can you send them to us? Maintenance fees for XXXX XXXX need to be included in ratios. Do you have any documentation on how much they are? I responded that same day to these questions as follows : My current address is up in the air as I am traveling for the next two months. I am refinancing my current home to become a second home because the plan is to reside at the new purchase house as my primary house since I am moving to XXXX XXXXXXXX Florida. I plan to be renting out XXXX XXXX XXXX. as soon as its ready to be rented, I do not yet have tenants identified or available yet. I do have two dependents ; my daughter whos XXXX, my son who is XXXX, and I am not married. The LES lists BAH with spouse. I dont know why thats been corrected several times thats just how they leave it listed. I dont know why. See attached Flood quote. Ill send you documentation of maintenance costs for XXXX. I reached out on XXXX XXXX, to inquire why they had listed my monthly income at about {$2500.00} a month less than what I receive ( they already had my monthly payment sheet ). We discussed this over the phone and I was told that the underwriter didnt understand what a portion of my income was, that was listed on my monthly pay sheet, and said that they wouldnt use it because they didnt know what it was. I explained that it was a monthly entitlement that I would receive for the remainder of my career and have received this benefit since XXXX. I also explained that this information is posted and available to the public based on the DoD military pay. I provided the requested documentation for the XXXX maintenance dues on XXXX XXXX. My loan officer responded asking how often I have to pay the maintenance fees. I responded that same day, again, that I pay maintenance fees quarterly. Between then and XXXX, the following : The underwriter still would not consider the additional money that is part of my monthly income, and asked that I provide proof that this is a monthly benefit and that it would continue. After several phone conversations with my loan officer, and loan processor. I was asked to provide the end of year LES for last year and the contract that shows that I was supposed to receive this money. On XXXX XXXX, NFCU informed me and my realtor that the appraisal was completed and sufficient. That a loan processor would be assigned, and that the underwriter was requesting further information. I provided the end of year LES paystub for XXXX, and the contract for this money that was completed on XXXX XX/XX/XXXX. XXXX XXXX, my loan processor informed me that underwriting was still reviewing my application, and that updated flood and homeowners insurance policies were required before the loan could be closed. On XXXX XXXX, I informed NFCU that I would no longer be considering their business for the refinance of my current home since they had lost my confidence in handling my loan and have requested excessive information and delayed the refinance to longer than two months, and changed the previously locked in rates with a 1.5 % increase without my approval. That day, I also discussed with my loan processor, again, questions from the underwriter, who now wanted clarification if I was married, paying alimony, or child support. My loan processor and I agreed that maybe providing my final decree of divorce should be sufficient for this since Ive answered these questions repeatedly over the past two months. I provided a copy of my divorce decree on XXXX XXXX. My loan processor informed me that he was going to adjust my income listed to BAH without dependents in an attempt to ameliorate the underwriters questions about my marital status and payments. My loan processor resubmitted my loan for review on XXXX XXXX. XXXX XXXX, I provided updated wind, flood and homeowners insurance information with planned begin dates to match our current closing date of XXXX XXXX. XXXX XXXX I spoke with the loan processor who had not yet heard back from the underwriter. XXXX XXXX, I spoke again with my loan processor to see if there was any way to expedite this since the final day for financing approval is XXXX XXXX. He informed me that he was still waiting on the underwriter, who was still questioning some of my pay. And now was requesting a lease agreement for my current home. I informed him that I dont have any lease agreements, as I havent been able to begin the process of getting things in order to be able to rent out my current home. On XXXX XXXX, I again discussed this with my loan processor who informed me that there was no change. Based on this, I asked to speak to someone who could help to do something about this issue as the same underwriter has had access to my loan for over 45 days, had also been the same underwriter who had disapproved the previously conditionally approved refinance and was still delaying my loan. XXXX XXXX, I spoke to his supervisor, XXXX, who collected information from me about this process, the timeline, and the number of issues that had arisen. She said she would call me back today, XXXX XXXX, with an update. And she would speak to the supervisor of the underwriter. I have been pre-approved for a mortgage with my current income at up to $ XXXX for 5 months, ratified contract for less than this, at $ XXXX on XXXX XXXX, conditional approval on XXXX XXXX and the underwriting is still reviewing my mortgage. The deadline for financing approval is two days from now, and I am scheduled to move into the new home in two weeks. This process has placed an undue burden on myself, all while navigating the difficult process of military PCS. I am disappointed in the way I have been treated by NFCU. | ||||||
| 09/03/2020 | Yes |
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Web | Servicemember |
| On XXXX, I applied for a NFCU account and an auto loan which got approved. I linked my XXXX account and deposited {$40.00} in my account. After the deposit was accepted, my NFCU account displayed - {$5.00}. While I found it odd, I saw this as a clerical or app error that would sort itself out. Shortly after, I lost account access. Again thinking this was an error with the NFCU app, I didnt think anything about it. On XX/XX/XXXX, I spoke to XXXX from the loan department who gave me pertinent details related to my auto loan. The check never came and my account was still locked out so, I called NFCU and got transferred to the securities department. The advisor wasnt able to provide me with any helpful information and only provided a link to file an appeal to XXXX and provide my drivers license and a piece of mail with my name/address. No other information was provided about how this sensitive information should be ingested. No call-outs about special handling of NFCUs email system. I sent the appeal form and the attachments on XX/XX/XXXX at XXXX PST via confidential mode and received an automated response. I waited the 15 business days despite the fact that Im in dire need of transportation during a global pandemic. I patientlly waited 15 business days despite the fact that I havent been able to make necessary medical appointments. I checked both my NFCU account and email - nothing changed. I did receive my NFCU bank card though, which Im unable to use. Today, XX/XX/XXXX, on the 15th business day, I called NFCU again and spoke to XXXX. I explained the situation. XXXX asked if anyone from NFCU reached out to me since then. I said not one person. If Id received an email and asked that I check my SPAM. I explained, besides an automated response from their automated messages and the Agent Signer response on XX/XX/XXXX - Id heard nothing. Not a call, email, no contact whatsoever. In fact, the only time that Ive communicated with a NFCU representative is when Ive had to contact NFCU directly. XXXX transferred me to the securities department where I spoke with XXXX. XXXX was not only rude, condescending, unprofessional, but used several micro-aggressions while communicating with me. Saying things like : I dont know what you want me to do about that. Do you want to answer my question? If youre going to be aggressive then I can place you back in queue. Its unclear why XXXX continued to speak to me with this disgusting attitude and smug responses and expected a positive response. Between XXXX verbal jabs and incessant unprofessionalism, XXXX managed to provide information that contradicted my call with the initial securities representative on XX/XX/XXXX. XXXX said while NFCU received the email, it sat in their queue, never having actually created a case. When I asked why would a NFCU advisor purposefully see an email that needed actioning and do nothing about it. He said Well, you sent a confidential email. I said, Im providing sensitive information via email, I sent it confidentially with two people on BCC who had no issues opening the attachments. He simply responded with I dont know what to tell you, we couldnt open your case because we couldnt open your attachment. I explained that this was not the information that I was provided on XX/XX/XXXX and This expectation was not set by the first NFCU advisor and this shouldnt be a reason to penalize me when the information was sent/received. If theres an issue, a NFCU member could simply respond asking for this information. This in my opinion, is bare minimum steps to take to resolve a member or customer issue regardless of the business industry. Especially if this isnt information isnt readily available to anyone outside of the company. When I asked to speak to a manager or team lead, XXXX flat out refused. I asked if I could speak to another member of his team and he refused to answer. Instead, he responded, do you want to be thrown to the back of the queue ( a queue that has a 35 min minimum wait ) and while I was mid-sentence, XXXX did just that - threw me in the queue. I sat on hold for another 30 mins until I spoke to XXXX. I explained my dissatisfaction with the previous representative, wanted to speak to someone from management, and assured him that I did everything I was told to comply with NFCU guidelines. I asked if it was standard practice for NFCU to handle issues in this manner. To notice theres an issue and not contact the member to help usher along the problem. He confirmed by saying : Youre talking about what you want to happen and Im talking about policy. If you dont want to wait another 15 days, no one told you to send your email confidentially and had you called us earlier you would have known that. Im unsure why this representative continued to place blame on me for not being aware of NFCUs internal knowledge regarding their system and how it ingests confidential information. When I asked him to help me locate this information in the policy, he began to treat me with the same disposition as XXXX. I called again and spoke to XXXX and asked for a securities supervisor. XXXX placed me on hold for 44 minutes. When the hold was up, I was prompted to a survey without ever speaking to to anyone. Not only does the appeal form NOT include this information, but theres no policy or notice on NFCU that explains the sensitivities of their internal email systems. Its inconsistent with their practices if this is the case. When theres an automated email, theres a disclosure or notice that tells customers not to reply as this isnt a means for communication. How is it up to the military member to know this information if the employees paid by NFCU dont provide it? With COVID and XXXX injustices that our country is facing, its astonishing how NFCU is still using pre-COVID business practices and how some NFCU advisors are callous, unprofessional, and down right disgusting. Theres absolutely no empathy or understanding or one-off exceptions even when its the NFCU employees who neglected to provide this information. If this issue is a security issue, theres more modern ways to safeguard accounts without blocking members entirely. NFCU simply cuts off the account with no notice, no contact, and leaves it up to the veteran/military member/family to notice and contact. A member who could be overseas protecting this country and limited time to resolve these matters. Updated practices such as email/text alerts, 2-step verification, etc. Many financial institutions reach out with Did you make this change, Did you make this purchase before cancelling it out. Despite the aforementioned, I find it extremely disturbing that a company centered around military members, go out of their way to treat military members grossly and unprofessionally. Im asking for my bank account to be resolved so that I can purchase a car during this pandemic. If NFCU suspects fraud, why would a member send personal/sensitive information in an unsecured manner? If someone is indeed using their account, how helpful is it for a person to send sensitive information via email and then hold members responsible for wanting to protect the very information NFCU thinks is fraudulent? | ||||||
| 12/16/2021 | Yes |
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Web | |
| On XX/XX/2021, I used my credit card identification number to obtain a credit card account under an open end consumer plan as defined in 12 CFR 226.2 ( 15 ) ( i ) and 12 CFR 226.2 ( 15 ) ( ii ) respectively ; ( i ) Credit card means any card, plate, or other single credit device that may be used from time to time to obtain credit. ( ii ) Credit card account under an open-end ( not home-secured ) consumer credit plan means any open-end credit account that is accessed by a credit card, except : ( A ) A home-equity plan subject to the requirements of 226.5b that is accessed by a credit card ; or ( B ) An overdraft line of credit that is accessed by a debit card or an account number. Upon receiving my statement for the month of XXXX, It occurred to me that there was a billing error on the account, the account was in a positive balance but NAVY FEDERAL CREDIT UNION sent a billing saying that I owe a debt, how is this possible? If there was a debt owed, why isn't it showing as a negative balance? I then sent a billing error notice per the requirements listed in 12 CFR 226.13, titled Billing error resolution, in the mail to NAVY FEDERAL CREDIT UNION on XX/XX/2021. In the billing error notice, I consumer requested Documentary evidence pursuant to 15 USC 44 : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. The notice was sent to CEO : XXXX XXXX, the CFO : XXXX XXXX, at : and the NAVY FEDERAL CREDIT UNION billing error center ( XXXX XXXX XXXX XXXX, VA XXXX ) in which I have evidence of their delivery per the green return receipts all dated received on XXXX XXXX. In addition to the billing error I notified NAVY FEDERAL CREDIT UNION that the credit card account is an open end credit plan as it is defined by 12 CFR 226.2 ( 20 ) as : Open-end credit means consumer credit extended by a creditor under a plan in which : ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. This debt has been prepaid with my credit card upon the competition of the consumer credit transaction. This debt has also been discharged because the obligation for all indebtedness is that of the United States pursuant to 18 USC 8 which states : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. With that being solidified, I consumer in fact, sent in the remittance slip on the bottom of my statement to be credited to my XXXX account because it was sent to me in a positive status and I am aware that the remittance slip is a check and not a bill. NAVY FEDERAL CREDIT UNION has violated my consumer rights on THREE separate occasions while I have extended my credit and good faith and expected them to do the same. Upon extending my credit in XXXX with NAVY FEDERAL CREDIT UNION, my open end credit plan was not honored, NAVY FEDERAL CREDIT UNION has not zeroed out the balance each month and has created a false and deceptive form leaving me to believe that I owe a debt that is not owed. Pursuant to 18 USC 8 ; any and all bills/ indebtedness is the obligation of the United States as this debt has been prepaid. I, consumer in fact, requested a credit limit increase in which I received a denial letter by NAVY FEDERAL CREDIT UNION on XX/XX/2021. This is an adverse action in accordance with 12 CFR 202.2 ( c ) ( 1 ) ( iii ) ; Adverse action. The term means : A refusal to increase the amount of credit available to an applicant who has made an application for an increase. NAVY FEDERAL CREDIT UNION has discriminated against me, pursuant to the Consumer Credit Protection Act and in accordance with the Equal Credit Opportunity Act as described in 12 CFR 202.2 ( n ) ; Discriminate against an applicant means to treat an applicant less favorably than other applicants.Despite the fact that I, the consumer, have extended my credit in good faith. Pursuant to 12 CFR 202.4 ( a ) titled Discrimination ; A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. In which a prohibited basis means ; means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the fact that all or part of the applicant 's income derives from any public assistance program ; or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Bureau. I have exercised my right as a consumer to extend consumer credit in which NAVY FEDERAL CREDIT UNION has retaliated with an adverse action which is a direct violation of 12 CFR 202.4 ( a ) and is civilly liable up to {$10000.00} pursuant to 15 USC 1691e ( b ). On XX/XX/XXXX, NAVY FEDERAL CREDIT UNION sent a debt validation letter when documentary evidence was requested by me. In addition, despite receiving my remittance together with the billing error notice, NAVY FEDERAL CREDIT UNION proceeded to transfer the minimum balance in the amount of {$90.00} from my NAVY FEDERAL CREDIT UNION checking account to my flagship credit card account, this is theft and fraud by NAVY FEDERAL CREDIT UNION. In addition, NAVY FEDERAL CREDIT UNION has sent several alleged bills to my address and has now restricted the flagship card due to non payment. Because NAVY FEDERAL CREDIT UNION did not provide the proper documentary evidence as requested, they have now forfeited their rights to collect any amount on the account as it is clearly explained in 12 CFR 226.13 ( d ) ( 3 ) titled acceleration of debt and restriction of account prohibited which states : A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. NAVY FEDERAL CREDIT UNION has not complied with the communication in request for documentary evidence and has restricted my flagship account in order to receive an accelerated payment for an alleged debt, this is a direct violation of 15 USC 1666 ( e ) and NAVY FEDERAL CREDIT UNION has now forfeited ANY AND ALL rights to collect on this account. | ||||||
| 02/13/2019 | Yes |
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Web | Servicemember |
| 1. Navy Federal Credit Union ( NFCU ) : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$22000.00}. XX/XX/XXXX, NFCU charged off/wrote off the alleged past due amount of {$22.00}, XXXX. At the time of the write-off, NFCU cancelled and abandoned the debt, reducing it to {$0.00}. Currently, NFCU is attempting to collect {$22000.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$22000.00} on each of my credit reports. Once the debt {$22000.00}, was cancelled/abandoned, NFCU can not later lay claim to it. NFCU abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of NFCU. Nor can NFCU defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by NFCU. I have been denied a Law School Loan, based upon NFCU false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. Following previous complaints, I have gotten calls from non-working numbers from Navy Federal Credit Union, but no message has been left. Only when I call the number back did I discover it to be an non-working number from XXXX. Now I ask any reasonable person. Is this the conduct we should expect from our financial institutions? It simply plays into all the various forms of complaints against NFCU and their abhorrent conduct. 2. I have made numerous attempts to have XXXX fully investigate the matter and on my most recent attempt, was notified by XXXX that they had previously investigated the matter and would not do so again. There is a prima facia case demonstrating XXXX XXXX culpability and failure to act in good faith. They simply took NFCU 's statement at face value and rendered an adverse ruling against my dispute. These actions warrant compensatory and punitive damages and intend to seek each. XXXX. XXXX : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$4200.00}. XX/XX/XXXX, XXXX charged off/wrote off the alleged past due amount of {$4200.00}. Prior to this date, XXXX unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, XXXX cancelled and abandoned the debt, reducing it to {$0.00}. XXXX issued an IRS XXXX. Currently, XXXX is attempting to collect {$4200.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$4200.00} on each of my credit reports. Once the debt {$4200.00}, was cancelled/abandoned, XXXX can not later lay claim to it. XXXX abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of XXXX. Nor can XXXX defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by XXXX. I have been denied a XXXX XXXX XXXX, based upon XXXX false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. XXXX. XXXX : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$2700.00}. XX/XX/XXXX, XXXX charged off/wrote off the alleged past due amount of {$2700.00}. Prior to this date, XXXX unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, XXXX cancelled and abandoned the debt, reducing it to {$0.00}. XXXX issued an IRS XXXX. Currently, XXXX is attempting to collect {$2700.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$2700.00} on each of my credit reports. Once the debt {$2700.00}, was cancelled/abandoned, XXXX can not later lay claim to it. XXXX abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of XXXX. Nor can XXXX defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by XXXX. I have been denied a XXXX XXXX XXXX, based upon XXXX false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. XXXX. XXXX : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$5100.00}. XX/XX/XXXX, XXXX charged off/wrote off the alleged past due amount of {$5100.00}. Prior to this date, XXXX unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, XXXX cancelled and abandoned the debt, reducing it to {$0.00}. XXXX issued an IRS XXXX. Currently, XXXX is attempting to collect {$5100.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$5100.00} on each of my credit reports. Once the debt {$5100.00}, was cancelled/abandoned, XXXX can not later lay claim to it. XXXX abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of XXXX. Nor can XXXX defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by XXXX. I have been denied a XXXX XXXX XXXX, based upon XXXX false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. XXXX. XXXX : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$3400.00}. XX/XX/XXXX, XXXX charged off/wrote off the alleged past due amount of {$3400.00}. Prior to this date, XXXX unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, XXXX cancelled and abandoned the debt, reducing it to {$0.00}. XXXX issued an IRS XXXX. Currently, XXXX is attempting to collect {$3400.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$3400.00} on each of my credit reports. Once the debt {$3400.00}, was cancelled/abandoned, XXXX can not later lay claim to it. XXXX abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of XXXX. Nor can XXXX defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by XXXX. I have been denied a XXXX XXXX XXXX, based upon XXXX false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. | ||||||
| 01/28/2023 | Yes |
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| NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors isee you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. .. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. NAVY FEDERAL CR UNION Your improper procedures are highly damaging to my credit score. Please immediately delete this item. VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liabilityunder this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. * Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : ( Pennsylvania State ) Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : ( Pennsylvania State ) Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX | ||||||
| 05/07/2018 | Yes |
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| Around XX/XX/XXXX, I made a large payment to my Navy Federal Credit Card - approximately {$6600.00} if I recall correctly. Shortly after the payment, I had a life emergency where a family member passed away. Given that the payment was locked up, I called Navy Federal and asked if they could process the payment. When I called, Navy Federal agreed to process my payment and told me my available credit was in the amount of the payment. I then booked my flight, flew to the funeral, and booked a car. A few days after I flew to the funeral, I checked my credit card balance online and I noticed my credit limit was raised from {$15000.00} to approximately {$21000.00}. Given my history with Navy Federal, I assumed this was a result of my recent large payments ( Totaling approximately 10000 ), excellent payment history, and my overall relationship with NFCU and my Credit Score. About a week later, the system changed my limit back to {$15000.00} - putting me approximately {$5000.00} over limit. I immediately called NFCU and asked them to fix the credit limit - they declined. They requested a copy of my credit report, and then determined I wasn't eligible due to my status of my NFCU Credit Card being over the limit. NFCU did confirm in XX/XX/XXXX that there was a bank error - the representative was supposed to inform me that the payment was a temporary limit increase and does not represent any permanent increase. Despite confirming a bank error in XX/XX/XXXX, NFCU did not attempt to rectify the issue. Instead, the balance being reported 140 % over the limit caused my credit score to drop significantly. I recall calling Navy Federal in XX/XX/XXXX and asking about the limit again. I was informed that the limit increase would be considered if I paid the balance below the limit of the card. Feeling like this may be an opportunity to resolve things, I did exactly that. Navy Federal then pulled another copy of my credit report and claimed that " due to recent history '' they would not approve the increase. I also recall another call in XX/XX/XXXX where NFCU told me that I was aware the credit line increase was temporary and that it was entirely my fault ( despite the being told that it was a bank error ). This was by an advanced team ; however, they didn't throughly research the calls - instead, they searched the calls after my initial interaction with NFCU. Between XX/XX/XXXX and today, I attempted to resolve this issue with Navy Federal - hundreds of times if I had to guess. I have expressed to NFCU that this bank error has caused me significant life impacts including : a higher interest rate on a car, numerous declines for credit requests, and overall serious financial hardships ( I had trouble paying the card numerous months due to job changes - 100 % because the minimum payment was significantly high ). In XX/XX/XXXX and XX/XX/XXXX, I spoke with XXXX at extension XXXX. XXXX informed me that she would investigate and find a resolution. During my conversations with XXXX, I expressed the following concerns : - The inaccurate reporting has caused me significant life consequences including higher interest rates - Inappropriate behavior of the bank employee ( breaching terms ) - Overall interest charged between XX/XX/XXXX and the first time we interacted. - Late payments due to the bank 's error. - Inappropriate high balance reporting compared to the credit line. - The number of calls I've had to make to NFCU to even reach someone willing to investigate it. I had asked XXXX for the following to make things fair and right : - Fixing my credit report to remove the late payments due to the bank error. - Updating the over-limit amount so that it doesn't show that I was historically over the limit on the card. - Updating the card limit to be permanently {$21000.00} given the bank error. - Refunding the interest charged between XX/XX/XXXX and the time we spoke ( because the card was in dispute the entire time ) - Refunding the late fees on the card. I had told XXXX that I'd be happy with the items above, and in exchange, I'd do the following : - Continue to maintain a great relationship with NFCU - Cease and Desist any further resolution seeking opportunities ( including filing a suit ) - Move on with life and be a more responsible credit card spender. XXXX called me in or around XX/XX/XXXX and informed me of the following : - After thorough investigation, it was again determined that NFCU was actually at fault for not informing me of a temporary line increase. - NFCU would report my high balance as {$15000.00} - Terms have changed within NFCU since the incident - NFCU no longer temporarily raises credit limits for payments that are made and processing. I had asked XXXX if they'd meet the other requests, she said they wouldn't. She mentioned she understands if I want to move forward with additional options as she didn't agree with the stance either. I also asked XXXX if she could send a copy of the terms and conditions of the credit card, navy federal policy, and bank policy for XX/XX/XXXX and Today - I was told this wasn't possible either. As far as I'm concerned, the bank seriously violated the terms and agreements of my card and I have legal grounds for resolving this in a court. To my understanding, if there is a breach of contract by the bank, the debt can be nullified. Rather than filing a case and moving forward for damages, I'd like to enlist in the help of the CFPB to see if Navy Federal can make things right by doing the following : - Raising my credit back limit to {$21000.00}. - Refunding all interest charged to the account between XX/XX/XXXX and the time this is approved. - Removing the late fees charged. - Removing the late payment reports to the bureaus. Throughout this ordeal, I want to remind NFCU that this behavior has caused me serious consequences including : - A higher interest rate on two separate car loans ( XXXX with NFCU to be exact ) - Numerous declined credit requests - all referring to the high balance and the 60 days late on my NFCU card. - Numerous declined limit increase requests with other banks ( same reason as above ) - A significantly higher insurance rate with XXXX ( because it's credit based in my state ) - Hundreds of hours on the phone wasted with NFCU seeking a resolution. - Emotional scarring to where I've worried about job offers being affected by my credit report. - Denial on numerous personal loan requests. - Denial on Consolidation Loan requests. If Navy Federal is able to follow through with the above requests, I'll consider this a fair alternative to having to seek additional options around the damages this breach of terms has caused. As a final note : There are hundreds of hours on record where I've spoken to NFCU. It's very easy for me to provide dates, times, and outcomes ; however, I wanted to keep this short and sweet so that we can move forward. Please reach out to me if you need copies of any calls, statements, or communications that I've recorded with NFCU. | ||||||
| 01/08/2021 | Yes |
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| On XX/XX/XXXX, I submitted an application for a home mortgage loan pre-approval letter to Navy Federal Credit Union online. XX/XX/XXXX I received a request to submit asset information, tax documents, pay stubs and other information. I submitted all but my asset information, because at the time I had kept my down payment and closing cost funds in cash. This same day I received a phone call from XXXX XXXX. She inquired about my asset information and requested that I submit my bank statements for the last 60 days. I informed her that if I submitted my current bank statements that my down payment would not appear on them as I've been keeping my finances in cash as a personal preference. I informed her that despite having my downpayment in cash that I could prove my income with several recent pay stubs. While on the phone, XXXX told me that I should explain this in writing and email it on our thread, which I did. Shortly after I sent the email explaining my asset discrepancy, she responded with : " Good afternoon Mr . XXXX, unfortunately " Cash on Hand '' is an unacceptable source for down payment or closing costs and may not be used to qualify. Do you have any retirement accounts or other assets? '' As a first time buyer, I was confused at how this process works and replied with : " Im confused. What is considered an acceptable source for a down payment if its not cash? Cash thats currently sitting in my bank account. I can prove that I have the down payment and closing costs. I can also prove where Ive earned the money with several recent paystubs. What is that Im not understanding? '' After this, I received no response from XXXX to my last email. On XX/XX/XXXX I decided to follow up with XXXX via a phone call. While on the phone I asked XXXX to explain how my check stubs would not be sufficient information to trace where my money has come from? And to learn more about this application process in general. She informed me that " this isn't how this works. You can't buy a house with mattress money. '' She actually referred to my savings as " Mattress money. '' I took great offense to this as " mattress money '' is a term widely used in the streets to describe money made from drug deals. I HIGHLY doubt that if I was NOT a person of color and had lived in a region other than XXXX, that I would have been met with the same disrespect. I've worked very hard for the money I've saved. I told her that " I have check stubs to prove where my money has come from and that I've earned it. It's not mattress money. '' She informed me that if I did not have the appropriate bank statements, then I would need to provide documentation from a retirement account to continue my application process instead. I asked her " how long do I have before she has to re-run my credit for this application. '' She responded with " up to 90 days. '' I said " great, I'm going to put a pin in this and buy me some time to gather the proper documents. '' She asked If " I would like her to withdraw my application ''. I said " no. that's not what I want. '' On XX/XX/XXXX, I had decided to take a step back and gather my thoughts. I decided that I would like to continue this process AFTER the holidays, in the new year. XXXX was approaching, and after XXXX I had a trip planned that would put me out of town until XX/XX/XXXX. Considering this, I reached out to XXXX XXXX to follow up with the following : " Hey XXXX! I just wanted to follow up from our convo yesterday. I would like to revisit this sometime in the new year, as I still need to get a few things in order before proceeding with my application. As for now, please do NOT withdraw my application. I will be reaching out to you once I have the items needed. Thank you '' She responded with : " Good morning Mr . XXXX, thank you for your email. Please provide me with documentation for any retirement assets for us to proceed with decisioning your loan. If you don't have any other assets let me know. Thank you for your attention to this. '' From here, our communication had stopped. Then, on XX/XX/XXXX I received an email stating : " Navy Federal Credit Union has uploaded documents pertaining to your mortgage application XXXX and has made them electronically available for viewing and signature. '' I signed in to my account to find that the document was a " DENIAL OF CREDIT due Insufficient cash '' based on information received from an outside source other than a consumer reporting agency. This took me by surprise as I had not submitted any information, nor did I consent to Navy Federal gathering any account information. What's more, is that this denial document would mean that XXXX XXXX submitted my application to Underwriting without my consent. Subsequently tarnishing my excellent credit with a mortgage loan denial. Once I returned from my trip on XX/XX/XXXX, I called Navy Federal to file a complaint and report the actions of XXXX XXXX. I was connected with manager XXXX XXXX. I explained to her what happened and that I would like to file a complaint. She was taken aback as according to her " XXXX has received nothing but positive feedback from her clients. '' While talking to XXXX, it became clear from her cavalier tone and occasional anecdotes that she had no intention of reprimanding XXXX for her mishandling of my loan application. Hence why I am here submitting a complaint. XXXX XXXX resolution was, " to start a new application with a new loan officer. '' This was unacceptable. She also suggested that I could file an appeal to underwriting within 48 hours of XXXX submitting my application to them. Upon further review XXXX informed me that filing an appeal would not be possible as XXXX submitted my application to underwriting on XX/XX/XXXX. The 48 hour period had long passed by now. She acknowledged that XXXX made a mistake, and was confused as to why she would process my application without my consent or the proper documentation. Which essential set me up for failure. XXXX also thought it would be enough to simply bring this issue to XXXX XXXX attention and nothing more. XXXX would have me believe that this was a minor issue, and that restarting an application with a new loan officer would be an easy fix. That may be the case if I chose to continue business with Navy Federal Credit Union. But if I decide to go to a new institution to pursue a home loan, a " denial of credit '' will show up on my report and require much explanation. For this reason I am extremely upset and disappointed that my application was handled so poorly by XXXX XXXX. She knowingly submitted this without the proper information which lead to a negative result, and a severe loss of trust in Navy Federal Credit Union. This is a textbook bad business practice. It's hard enough for people of color to purchase homes in America, making it harder with unwarranted negative marks on their credit report is salt on the wound. This was a negligent act met with little to no effort to rectify and it's unacceptable. | ||||||
| 04/02/2019 | Yes |
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| I this evening at XXXX XXXX. XX/XX/XXXX Florida time, have just gotten off the phone with XXXX a supervisor of customer services with Navy Federal 's Collections department, regarding my personal loan. Yesterday I was told he would be the person to speak to regarding my account showing past due for XX/XX/XXXX. On XX/XX/XXXX, he called me back to advise me that he had spoken to upper level management regarding a waiver that I had been approved for in XXXX but that had been rescinded, and that it was decided to honor the waiver for XXXX, and also XXXX ( XXXX ). This conversation on XX/XX/XXXX, stemmed from a conversation between he and I on XX/XX/XXXX, when I complained ( after returning a call left on my voicemail by NF Collections ) about my XXXX 's payment showing past due. I explained that I had been offered a waiver for XXXX ( XXXX ) 's payment by an agent when I had called in inquiring why my XXXX 's payment was higher than usual, I accepted the agent 's offer, the offer was approved with her giving verbal notification given. She then advised a letter would follow ( which I expect as usual and as per Federal statutes ). During the XX/XX/XXXX, call, XXXX advised that the offer should not have been offered, and I did not qualify for that service because I had received one in XXXX, XXXX, and the offer was being rescinded. I clarified for him that I had NOT received a waiver of payment in XXXX but instead had a REFINANCE ... because of Navy Federal 's fault from prior months of not properly advising me when I ran into hardship after being effected by a natural disaster in Florida ( and the institution had first failed to advise me of relief for clients, then decided I did not qualify then decided it was too late ). In his nonchalant and condescending manner he finally agreed to " speak to higher ups and get back to you in one to two days to see what, if anything, can be done ''. He called me back as noted above, on XX/XX/XXXX, relaying the approved waiver for XXXX and as a courtesy for XXXX also, so my next payment would be due XX/XX/XXXX ( my normal due date ). He advised me I would receive a letter confirming the decision. To this date/day, XX/XX/XXXX, I have not received that letter. However after calling Navy Federal on a matter of inaccurate reporting of an auto loan I was approved for but never utilized, I was advised that my XXXX 's payment was past due. The agents advised eventually I would have to speak to XXXX being he was the person who had called with the decision on XX/XX/XXXX, to waive both XXXX AND XXXX 's payment. When XXXX calls this evening, he advises that he submitted to higher up management the request to honor XXXX 's waiver AFTER speaking to me on XX/XX/XXXX, advising the decision to waive both months, but the request was denied. So essentially he called me and informed me that management had approved waiving XXXX and XXXX 's payments, there-AFTER submitted the request, only to have it denied for XXXX. He put the cart before the horse is essentially what he was trying to convince me of. Again I told him that what he did was/is against the law, he gave verbal notice of the approval, I accepted that notice and accepted that Navy Federal had resolved the issue. Today over THREE ( 3 ) weeks after, he returns my calls to tell total contradictory information, and has not even offer an apology, did not acknowledge that as of today 's date I still have NOT received a letter ( as per federal law is required ) informing me of the decision that he and I discussed on XX/XX/XXXX. I did not even receive a letter informing me of the information that he was now trying to feed me today. As a matter of fact he did not even CALL me after that conversation on XX/XX/XXXX, to say what he did today. So approximately three weeks after he called to say I was approved to honor XXXX 's waiver and also offer XXXX, he did not call nor send the letter to say otherwise than what we spoke of on that day. Had I NOT called yesterday on my other matter I would not have known the situation, would have my account sitting in delinquency, and I would not have known a word! This entire situation has been against the Federal AND State practices of the guidelines for financial institutions including the Federal Deposit Insurance Corporation ( FDIC ), the Federal Reserve, National Credit Union Administration, Federal Financial institutions Examination council, The Federal Trade Commission ( FDC, The Consumer Protection Agency, Bureau of Consumer Protection, Fair Debt Collection Practices, Fair Credit Reporting Act, The Truth in Lending Act, and the Florida Department of Agriculture and Consumer Affairs and has reeked of illegal and unethical practices and handling. How can Navy Federal approve a client for a payment waiver, give verbal and written notice of such approval ( as required by law ), then only by a stroke of luck the client calls on another matter to be told of the events, then again the supervisor who supposedly received approval to honor that first approval and offer another month turn ( and again by law a letter would be sent out, but never has ) again turn around to advise the client the second approval was being rescinded AGAIN, yet he did not CALL nor send a letter to this effect?? When I questioned why I have not received a letter some three weeks later whether for the approval or the denial, his excuse was that the letter is " automatically generated ''. Well a letter could not be generated if he did not properly document the events of the transaction or communications/discussions between us. I advised XXXX that what he and Navy Federal has been doing to me and my account with the institution is unethical, against the law, and unfair, and is spoiling my account with the credit union differently than what has already been going on with the account, causing more negative effects on my record with the bank. I explained to him that I suffer from anxiety and what he was now telling me and doing would cause me to have an anxiety attack and put me in the hospital/jeopardize my health and that it was wrong what he had done and was telling me. I told him he basically had me right back to square one from XXXX when the department messed up my account in the first place! For most of the conversation he kept reiterating that that what he told me was not done and XXXX 's waiver had not been approved after all. I asked him so basically what he was telling me is that he called me on XX/XX/XXXX, told me that the higher ups had approved waiving XXXX and XXXX 's payments, and that I would receive a letter confirming same, THEN he went ahead and submitted the request in which it was then denied despite the news he had given me on the phone ; that he had taken the authority to approve the two months ' waivers AHEAD if submitting the request to his superiors, notified me then went ahead with submission, the submission was denied, THEN he FAILED to notify me -- ever --? Because that is what he was telling me. | ||||||
| 06/22/2022 | Yes |
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| Navy Federal Credit Union aka NFCU, failed to complete a proper credit card disputed transaction, treated me unfairly throughout the entire process, had representatives lies to lie about what was going on and what they needed, and sided with a business who presented false, misleading and deceptive advertising. Now they expect me to pay for services that were never rendered for {$480.00}. This was a listing on XXXX in which the host of the property omitted important facts about the listing, made a false listing that was full of inaccuracies, had inhabital unlawful conditions such as XXXX XXXX XXXX, mold in the shower and on the bathroom floor, had so much dust it flared up my XXXX causing me to have to get a prescription from my doctor, XXXX XXXX on the walls and floor. I presented lots of evidence and proof to support my claim. NFCU sent a message asking to submit additional information that was due on XX/XX/XXXX. The morning of XX/XX/XXXX they sent another message stating the case was closed due to non response. The resolution should have been done if any day on XX/XX/XXXX, as I had the full day of the XX/XX/XXXX. I called immediately after reading the email and a manager told me they needed proof I never used the services, anything showing them proof. Even though this was already provided, I resent them several pages of additional proof. NCFU never sent a receipt of acknowledgement for what was sent until XX/XX/XXXX, on purpose because XX/XX/XXXX was the day they stated the {$480.00} would be removed from my account. As a consumer I have the right to decide how my money is spent. I also have several laws that protect me against deceptive forms of advertising and laws regarding paying for accommodations that have blood stains and mold in the property. NFCU seems to think in this case it is ok. Any consumer does not have to pay for services they never received. In this case I left the lodging location due to being filthy dirty, molded bathroom, XXXX XXXX XXXX dirty, smelly, filthy conditions, raggedy furniture and so much dust it flared up my XXXX. The listing was on the 3rd floor of a building and there was no bathroom on that floor or the 2nd, so I had to walk down 3 long flights of stairs just to use the bathroom. None of this was in the ad as a deceptive omission. Consumer Protection laws regarding advertising are very precise and specific. If anything in an advertisement is not accurate it is considered false. My claim against XXXX meets all aspects used in legal proceedings as being false. For that reason along this claim should have been resolved in my favor. The XXXX location took place in the state of NJ. Here tenants are allowed to withhold rent if mold is present. If this was a hotel room, my accommodations would have been returned and the hotel would have done whet ever necessary to provide safe accommodations. An XXXX is no different, matter of fact the law should be tougher since the location typically have only a few rooms to maintain. The representatives at NFCU never even bothered to open up the listing to see the written policy XXXX has against mold, XXXX etc. or the false listing. I sent the the ad that gave a guarantee of your money back for listing inaccuracies, dissatisfaction, not being properly cleaned. I also sent them pictures and videos of the ad, pictures I took that could use to compare and prove I actually stayed there. Also, I did not at the accommodation the entre time, not half the time, only one night. I also showed them proof of this. NFCU worked closely with XXXX to make sure all their dates lined up so they could make excuses to keep my money. They coordinated and conspired to make sure I lost this case. Neither XXXX nor NFCU ever answer my question as to why the personal guarantee in the ad isn't being held up in this case. The fact is they have no answer. I spoke to two managers on separate occasions that both gave conflicting stories about what was occurring The first on XX/XX/XXXX told me the reason the case was closed was because I did not present evidence of the dates I booked or the guarantee and this was need so they could go into arbitration. The next manager on XX/XX/XXXX told me that XXXX rejected the claim saying that the charge was legitimate. The charge was not Navy Federal Credit Union aka NFCU, failed to complete a proper credit card disputed transaction, treated me unfairly throughout the entire process, had representatives lies to lie about what was going on and what they needed, and sided with a business who presented false, misleading and deceptive advertising. Now they expect me to pay for services that were never rendered for {$480.00}. I presented lots of evidence and proof to support my claim. NFCU sent a message asking to submit additional information that was due on XX/XX/XXXX. The morning of XX/XX/XXXX they sent another message stating the case was closed due to non response. The resolution should have been done if any day on XX/XX/XXXX, as I had the full day of the XX/XX/XXXX. I called immediately after reading the email and a manager told me they needed proof I never used the services, anything showing them proof. Even though this was already provided, I resent them several pages of additional proof. NCFU never sent a receipt of acknowledgement for what was sent until XX/XX/XXXX, on purpose because XX/XX/XXXX was the day they stated the {$480.00} would be removed from my account. As a consumer I have the right to decide how my money is spent. I also have several laws that protect me against deceptive forms of advertising and laws regarding paying for accommodations that have blood stains and mold in the property. NFCU seems to think in this case it is ok. Any consumer does not have to pay for services they never received. In this case I left the lodging location due to being filthy dirty, molded bathroom, blood stained sheets, dirty, smelly, filthy conditions, raggedy furniture and so much dust it flared up my XXXX. The listing was on the 3rd floor of a building and there was no bathroom on that floor or the 2nd, so I had to walk down 3 long flights of stairs just to use the bathroom. None of this was in the ad as a deceptive omission. Upon arrival I called the host to tell her all the problems as the site requests. I followed the steps XXXX set for this yet the are not following their own policies or being fair. I will be suing NFCU in court if my money is not returned to me for failing to properly investigate this. because 1. ) I left and did not stay the entire trip so services were never rendered, 2. ) The ad was false, 3. ) The listing host and XXXX had their own policies and guarantees that were published on the site and ad and they were broken. I will be suing NFCU in court for my money is not returned to me for failing to properly investigate this. I presented more then enough evidence to win this claim on many fronts as presented above. If you failed to do your job then it's not my fault. | ||||||
| 01/16/2023 | Yes |
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| XX/XX/2023 Navy Federal XXXX XXXX XXXX XXXX, VA XXXX In my very first letter to XXXX, I stated : I recently pulled my credit report and noticed the negative items you listed. I have been a victim of fraud, and I believe these are the accounts that continue to harass me every single day. There was a total of four ( 4 ) letters sent to XXXX, requesting verification of said items. It is now a total of five ( 5 ) times, requesting that they send me ANY verification that these said items are mine. You, as the data furnisher, continue to report these harmful items on my credit report, and I am simply asking that you send me what you are sending XXXX. They continue to violate federal law, repeating the same response each and every time, verifying items, without sending me verification. Is this how a consumer must be treated? XXXX reports information that you provided them. I dispute the information, XXXX contacts you. Navy Federal has the option to send me the same documentation ( verification ) you sent to XXXX, and then XXXX could send me said verification as well. In this case, and in every previous case, Navy Federal Credit Union sent items to XXXX, and then XXXX proceeded to report back to me that the items listed are complete and accurate, without sending me ANY type of verification. Please help me understand this : A thief is able to use my identity, I make a complaint against it, there are laws protecting me, data furnishers are aware of said laws, the company says I still own these items without providing me any documentation these items are indeed mine. Now the thief goes free, and I am to bear the burden of unverified items? I am to blindly trust that you and XXXX are reporting accurate information? WHO is verifying these items? Are you and XXXX business together? It appears as so. I will post the law once again, as it clearly states in the Fair Credit Reporting Act, 15 U.S.C. 1681 : 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Once again, XXXX is stating in every response, this has been VERIFIED, WITHOUT providing ME with verification! In my tedious process of trying to receive the verified information being reported, I had to send the last four ( 4 ) digits of my Social Security Number, a copy of my license, a utility bill, a proof of address form, and a notarized document, which was tracked, insured and shipped via United States Postal Service. If you can understand the context, I had to do this four times, incurring fees each time, to prove I am who I say I am. Yet, I am not able to receive ANY form of document in return, that would show verification that I incurred said items listed on my credit report? It is not my duty to list the type of verification I am requesting from Navy Federal, because frankly, I dont know what to look for! This is why I am asking for at least something, showing this is indeed mine! According to CFPBs Rules and policy, found on their website as of XX/XX/2023 : The CFPB implements and enforces federal consumer financial laws to ensure that all consumers have access to markets for consumer financial products and services that are fair, transparent, and competitive. This is unfair because this company refuses to be transparent without providing me with ANY documentation said items are indeed mine. Their repetitious responses include, but not limited to : The data furnisher responded and verified that the disputed information was accurate as reported. Nowhere, and not once in their responses, have they provided me with any documents to verify! XXXX is reporting back to me the same information that can easily be seen by a consumer ( me ) on data furnishing websites such as ; XXXX XXXX XXXX. I can not stress this enough, that is NOT verification! Navy Federal continues to violate federal law, by furnishing unverifiable data, when they have assumed a vital role in assembling and evaluating consumer credit and other information to a consumer such as me. The law clearly states : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. According to CFPBs Enforce section, found on your website as of XX/XX/2023, you state the following : We take action against predatory companies and practices that violate the law and have already returned billions of dollars to harmed consumers. Navy Federal is in clear violation of multiple laws and I am asking for help, on what else to do, because companies ( XXXX and Navy Federal ) are refusing to provide me with verification. This attempt would be number six ( 6 ), that I have requested fair, transparent, impartial, & respectful service, yet I have not received it in any form. I am asking that you promptly delete these items of information from my file, based on the results of the reinvestigation and promptly notify me ( or CFPB first, and then to me ) of that information, that the information has been deleted from my file. I demand the following accounts be verified or removed immediately : NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX | ||||||
| 05/26/2022 | Yes |
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| XX/XX/XXXX XXXX sent me my results regarding two different accounts XXXX XXXX navy federal cr union XXXX updated navy federal and verified XXXX XXXX while looking over my results XXXX provided to me I am in disagreement that a investigation was done properly and I believe these data furnishers didn't investigate these accounts to begin with. Navy Federal did NOT notate a NOTICE OF DISPUTE and they did NOT even report to XXXX to begin with. the last time navy federal reported any information was XX/XX/XXXX. These results were generated XX/XX/XXXX XXXX this account was not properly investigated and I did NOT receive any type of notice of dispute from navy federal either. FCRA states when a consumer reporting agencies receives information regarding a dispute from a consumer they must send the data furnisher all disputed information in order for them to do a investigation and when the data furnisher has completed their invsestigation the data furnisher must send a notice of dispute to the consumer proving they dispute with the consumer reporting agencies with their findings and that notice MUST be notated in the credit report " the remarks '' section. when it comes to XXXX XXXX, XXXX has Verified this account as accurate. now I have already responded asking for the procedures that were done under 15 u.s.c 1681i ( a ) ( 6 ) ( B ) ( iii ) with a tracking number. so I am awaiting for that answer in 15 days once they receive it. but take a look at the way XXXX reported this account AFTER they claim to have Verified this account as accurate. First, this data furnisher XXXX XXXX DID NOT report on this account since XX/XX/XXXX proving to me that this data furnisher DID NOT do a investigation to begin with, because this date would have been changed upon them verifying this account with XXXX. the remarks section also DOES NOT specify a recent investigation was done either. even if XXXX wants to come back and say that remark is a notice of dispute, the date updated proves that the remarks section is outdated because this data furnisher never investigated this account either. XXXX is in violation and so are these data fursnihers. I have brought these accounts to their attention based on errors, XXXX has provided me with written results as well as other consumer reporting agencies, only to justify them trying to complete their investigation in a timely manner, but that does NOT make a excuse on why these accounts were never investigated by these data fursnihers to begin with. and if these data furnishers come back and say they have did a investigation then my question is were are my notices of disputes regarding their investigation then, if they can report on my private consumer disclosure reports and they have my address what's the excuse for them not sending me this simple requirement docuement? these are not FCRA requirements and these data furnishers and XXXX are in non compliance and are responsible for the following violations. 15 U.S.C 1681c ( f ) ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) 1681s-2 that information regarding a consumer who was furnisher to the agency is disputed by the consumer, the agency SHALL indicate that fact in each consumer report that INCLUDES the disputed information. 15 U.S.C 1681s-2 ( a ) ( 3 ) ( 3 ) DUTY to provide notice of dispute. If the completeness or accuracy of ANY information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 15 U.S.C1681e ( b ) ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to ASSURE maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C 1681s-2 ( b ) ( E ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified AFTER ANY reinvestigation under paragraph ( 1 ), for purpose of reporting to a consumer reporting agency only, as appropriate based on the RESULTS of the reinvestigation promptly- ( ii ) DELETE that item of information ; or ( iii ) PERMANENTLY block the reporting of that item of information. Under 15 U.S Code 1681s-2 ( a ) ( 2 ) ( 2 ) Duty to CORRECT and UPDATE information. A person who REGULARLY and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and Has furnished to a consumer reporting agency information that the person determines is not complete or accurate, SHALL promptly notify the consumer reporting agency of that determination and provide to the agency ANY corrections to that information, or any additional information, that is necessary to make the information provided by the person to the angency complete and accurate, and SHALL NOT therafter furnish to the agency ANY of the information that remains not complete or accurate. 623 15 U.S.Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies DUTY of furnishers of information to PROVIDE ACCURATE INFORMATION PROHIBITATION Reporting information with ACTUAL knowledge of errors. A person SHALL NOT furnish ANY information relating to a consumer to ANY consumer reporting agency if the person KNOWS or has REASONABLE cause to believe that the information is INACCURATE. Reporting information AFTER not and CONFIRMATION of errors. A person SHALL NOT furnish information relating to a consumer to ANY consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, INACCURATE. 15 U.S.C 1681 ( a ) ( 4 ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer RIGHT TO PRIVACY. 15 U.S.C 6802 ( b ) ( b ) OPT OUT In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( the consumer reporting agencies ) unless- ( A ) such financial institution CLEARLY and CONSPICUOUSLY disclosed to the consumer, in writing or in electronic form or other form permitted by the regulations prescribes under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, ( I have a chance to say no ) before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( information needed to be expressed before my information was reported. ) | ||||||
| 12/22/2019 | Yes |
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| XX/XX/XXXX, 3 DAYS BEFORE XXXX Dear CFPB : My Navy Federal Credit Union used motorcycle loan was paid in full on at its full maturation date which was 61 months from XX/XX/XXXX. ( Original amount : {$11000.00} ) After paying off the loan on time, I was hit with a bill due in 30 days for {$1100.00}. This is the first communication I had with the bank about it, not knowing what it was for and INCORRECTLY ASSUMING it was some sort of balance or balloon payment due unbeknownst to me because I was not made aware by any means what this amount represented so here is my inquiry email to NFCU : Subject : Used Motorcycle Loan - XXXX - {$1100.00} Payment Your Message XX/XX/XXXX : Hello, I am confused about why my payment amount is now the full balance. If the full balance is NOT due, am I due for another payment on the XXXX? Navy Federal Response XX/XX/XXXX : NFCU Response : Hello, Mrs. XXXX. According to our records, your Used Motorcycle loan has a maturity date of XX/XX/XXXX and the remaining loan balance is due in full at that time. If you are unable to pay your loan in full at this time. We encourage you to contact our Collections Department directly for assistance with a payment arrangement. We can be reached at XXXX, any counselor can assist you and our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX and weekends from XXXX XXXX to XXXX XXXX, Eastern time. We look forward to speaking with you as soon as possible. As you can see, the explanation was still unclear to me as to what the {$1100.00} figure represented. I was simply told that this was a remaining loan balance due. I was still confused as to how there would be any monies due, much less {$1100.00} on a XXXX total loan amount. I was in between jobs for about over a month and was going through a background check for consideration on a new job while at the same time caring for my husband who was hurt in a head on collision just over a year ago and is unable to work. My credit lines are at their maximum limits and I had been borrowing money from family and close friends to survive while at the same time keeping up with all payments and living very scarcely. My bank accounts ( Personal ckg, business ckg. and several credit accts. ) are also with NFCU, and they chose to transfer my last dollar in any of my accounts ( {$140.00} ) out if my ckg. account to apply to this large mystery amount due. They had done so in the past several times when my payment was overdue. ( Never 30 days late, but would sometimes pay after the due date ) but I assumed that because they serve the military, that they would not do this if they were not legally able to do so, however, I never checked until XX/XX/XXXX when a member service representative said that I signed this right to them in my loan paperwork. I personally never saw it, or do not recall it. On XX/XX/XXXX, I was left then with no money for food or gas or any type of survival and trying to stay composed as I was in the middle of my background check. I was stunned and crying when I called the bank on or around XX/XX/XXXX when I realized I had no money left in my bank account when trying to buy food. I spoke to another member service representative who gave me an emergency gift of {$50.00} and advised me to go to the bank 's " financial hardship '' website and provided the web address. She said that she would put notes on the account stating not to transfer any more funds for 14 days and that NFCU would replace the {$140.00} once I made contact through the website. This was evening, so I went to the website the following morning, XX/XX/XXXX so I would have a more clear head. In the days to follow, I was contacted by the " hardship department '' ( aka collections department as I later found out ) via phone and answered one time in the middle of conversation with my new employer just to let her know I couldn't speak at that time and would definitely call back. I called back and received the woman 's voicemail and left a message. We played an unfortunate game of phone tag, what with the holidays ( on her end, I'm not having a holiday this year ) and performing all the tasks related to an extensive on boarding process for this new perspective employer, which happens to be a competing credit union to NFCU. I was hired and began work on XX/XX/XXXX, I've now been there just one week into my probationary period and my first pay will be withheld so I am in desperate need of funds to make it to work on a 45 minute commute back and forth and have none! I can not negative entries on my credit report or my employment will be terminated, fyi. On XX/XX/XXXX, my husband 's retirement check was auto deposited into our bank account, which we allocate to our rent each month. It is small but needed, {$320.00}, and after midnight on XX/XX/XXXX NFCU transferred the {$320.00} to the balance of this unknown fee after stating it wouldn't be transferred and that I would receive the first transferred amount back ( {$140.00} ) once I made contact with their so called hardship department ( aka collections dept. ) They have not put me in jeopardy with my my place of residence AND my job, over this unknown amount. On XX/XX/XXXX I was finally able to reach someone in their collections dept and relay this entire story to them. I pressed them to tell me what the {$1100.00} figure represented and he could not understand what it was. I was placed on long term hold until he returned after speaking with a supervisor and said that this amount represented a {$29.00} fee that was assessed each time I paid after the due date over the life of the loan 22 times over 61 mos., totaling : {$630.00}. The remaining {$500.00} is interest on the {$630.00} for a grand total of {$1100.00}. ( just for fun, I suppose ) and 25 days into the fiasco since it first showed up on my online account will now trigger a 30 day late to my credit report in five ( 5 ) business days if I do not pay it in full or have a payment plan in place and I will eventually lose my new job and be in jeopardy of losing my place of residence and possibly facing homelessness. On XX/XX/XXXX during my last phone call, NFCU stated that they will replace the monies into my checking account that they transferred out, a total of 3 transfers ( forgot to mention another transfer for {$2.00} toward the fee ) but it will take 2-3 business days. Being that the first day is Sunday, this doesn't count, and the third day is XXXX, that won't count either. That's if that even happens because NFCU didn't come through the last time they promised. I believe that the assessment of the interest on top of accumulating late fees collected on the back end of a loan is an unfair lending practice, or if not, should be. I am contacting the credit bureaus as well to dispute the whole amount due to non disclosure or at least the interest. Please, please help, I am out of time very soon. Respectfully, XXXX XXXX XXXX | ||||||
| 07/20/2023 | Yes |
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| Navy Federal need to reference this complaint # XXXX where its stated the RESTRICTIONS were removed. Unfortunately the member to member transfers that took place the same month as the freeze XX/XX/XXXX even after restrictions were removed it has kept {$11000.00} floating in the running balances of XXXX members but wasnt made available. Weve contacted the bank for months on our own and through our attorney and the unauthorized restrictions were removed partially. Several letters where submitted advising that all trans actions were authorized. The account was never compromise. XXXX members have been suffering for XXXX months with the money that was transferred to them is still restricted even though those restrictions were supposed to be removed XX/XX/XXXX as stated in this previously complaint XXXX. I sill copy and paste the verbiage submitted to Navy Federal anc nothing has been done to fix it. The account is suppose to be heavily notated thAt only written requests are allowed and NOT phone calls. Please have Navy Federal release funds that was transferred to the other members, THIS HAS BEEN GOING ON WAY TOO LONG! WHEN THE ACCOUNT WAS UNFROZEN XXXX XXXX ALL OF THE MEMBER TO MEMBER TRANSACTIONS SHOULD'VE BEEN UNFROZEN AS WELL. THAT'S {$11000.00} that belong to other members that's been frozen for XXXX months. XX/XX/XXXX all restrictions were removed but no one removed the restrictions on the funds in their accounts. Each time they call customer service theyre instructed that XXXX XXXX has to say it was authorized and this has been done repeatedly. ALL my requests are to be in writing NOT phone calls. RECORDED AUDIO IS ATTACHED. No one is reading the notes on my account. XXXX XXXX and member ID XXXX. Security has a copy of my finger prints and my state issued prison ID from the Texas Department of criminal justice. It's already established that ALL requests from me should be in writing NOT phone calls. A security word was added and was required to be added to all my written requests. XXXX is my security word because I was instructed XXXX!!! had to be changed. All recordings are attached, When Navy Federal froze my bank accounts XX/XX/XXXX for almost a year and my wife and I fought to get bank unfrozen Navy federal released those funds XX/XX/XXXX after we sent several requests and made several unauthorized XXXX way phone calls. It's illegal for me to make XXXX way calls from prison to the bank that's why after we cleared up the last issues phone calls aren't to be requested and ALL my requests were to be in writing. All of the phone calls were recorded and it has been noted that phone calls aren't required. Read the notes and release those funds that were authorized and transferred to member to member that is still running in their available balances but Navy Federal failed to release after they UNFROZE our accounts back in XXXX. Navy Federal leave us with no choice but to file for protection against this continued harassment and blatant decision to not follow typed instructions that's in my records. This experience has been disgusting and well noted by security, customer service and the account compromise department, My account was never compromise and it's been well noted. So a phone call can't be established from the prison to Navy federal. There is very clear instructions that only WRITTEN REQUESTS can be honored. I've sent written requests with XXXX signed signatures with security word. You not only ruin my life but you ruin my wife 's life and our businesses and our marrriage. I don't understand why the largest bank in the world make the conscious decision to make up rules as you go. The jury will listen to all evidence and it'll be clear that you've failed me as my fiduciary. When my bank account was unfrozen ALL of the transfers that were frozen should have been unfrozen in XX/XX/XXXX. XXXX XXXXXXXX XXXX account was sent {$3000.00} he is a family member, XXXX XXXX was sent {$3000.00} he is a family friend and my step son XXXX XXXX XXXX was sent {$5000.00}. Letters and all the phone calls that I could make have been made already. It's been established that phone calls isn't an acceptable form of communication and only written requests should be submitted and accepted. READ THE NOTES SO YOU CAN SEE NO PHONE CALLS SHOULD BE REQUIRED. The recordings attached will prove how inconsistent and unprofessional that Navy Federal has been. You've failed to unfreeze ALL funds that were frozen. When the account was originally frozen your negligence caused us to lose the XXXX XXXX XXXX that you financed because that was lost due to a mechanics lien in XX/XX/XXXX because my wife couldn't pay the {$1800.00} mechanic bill. You've ruin my credit because for XXXX months we couldn't make any payments to any of our creditors. Please forward this email to security representative as well as to your legal department to review. I'm telling you that this is a grave mistake on Navy Federal 's part and we implemented a system to avoid this from happening again. The account was suppose to be well notated that since I was in prison that no phone calls would be expected ever again. I've been incarcerated since XXXX and I no longer wish to play with my freedom by breaking the rules by placing illegal anc prohibited XXXX way calls. Texas prison doesn't alloe XXXX way calls. We took the risks before to get account unfrozen but it was established that phone calls were prohibited. After the traumatic experience that caused my wife to be homeless, caused us to missed business opportunities, caused us to still owe monies out, mental anguish, pain and suffering and much more the account should be heavily notated. I would advise you that when your security or legal department listen to the audio that this is a simple fix because those funds should've been released when the accounts were unfrozen. Navy Federal has failed me. The manager XXXX XXXX who is the reason why my bank account was originally unfrozen I pray he can listen to audio and explain that these accounts were unfrozen and therefore any transactions that were frozen should've been unfrozen. Written requests stating all transactions on my account was authorized were submitted over XXXX times in writing with my signature and with my security word. Navy federal just dropped the ball and didn't finish the job. The original accounts were closed and I opened new accounts. PLEASE PLEASE PLEASE READ NOTES ON ACCOUNT AND UNFREEZE FUNDS THAT WERE SENT TO XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX. Please review the attached audios. XXXX : XXXX ( https : XXXX ) XXXX : XXXX ( https : XXXX ) XXXX : XXXX ( https : XXXX ) XXXX : XXXX ( https : XXXX ) XXXX : XXXX ( https : XXXX ) XXXX. https : XXXX ( https : XXXX ) XXXX. https : XXXX ( https : XXXX ) XXXX. https : XXXX ( https : XXXX ) XXXX. https : XXXX ( https : XXXX ) -- | ||||||
| 01/09/2020 | Yes |
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Web | Servicemember |
| Continuance of Complaint number XXXX I originally filed complaint due to a car loan being denied. It also brought to light problems of a credit card being in closed status. Navy Federal Response XX/XX/XXXX : Thank you for your inquiry. Navy Federal received notification of your Chapter XXXX bankruptcy filing and, as such, all active lines of credit were closed. Upon bankruptcy dismissal notification, your account was updated and your are now eligible to apply for all lending products. For any further questions, please call Navy Federal Lending, at XXXX. Your Message XX/XX/XXXX : I applied for a vehicle loan today and was told I was ineligible for a vehicle loan due to a revoked credit card. I asked which credit card and a representative stated it was the Visa card issued by NFCU, that I have had no missed payments on. I would like to ask the specific reason my card was closed. Very Respectfully, XXXX XXXX XXXX I sent a e-message to the bank which it states it will respond in 2 business day : Subject : Account Closure Your Message XX/XX/XXXX : To Whom It May Concern- In reference to the active credit lines were closed, I would like to have further clarification. I notified Navy Federal of the Chapter XXXX due to forclosure and was with the intent to dismiss due to waiting of second property to complete sale, which it took me only 1 week to pay the creditor. I had contacted the Credit Card issuing section, I was told my accounts would be frozen and not closed. I was first contacted by the credit granting section on the XX/XX/XXXX. I stated to the section I had not listed NFCU as a group requesting relief from. The reason was due to damages on both properties in Missouri and Georgia and no renters for a substantial period of time. I further confirmed the house in Missouri was in its final stages of sale and the only creditor would be paid and court proceedings would be dimissed. The manager of the section at the time stated my account would be placed in a freeze status and to let the section know of when the creditor was paid. I notified the section on the XX/XX/XXXX, which even during the time of the proceedings I still paid all debts on time. I was further told by the section manager that once the dismissal was finalized NFCU, would 1 ) reinstate my automatic payments and my credit card would be unfrozen. On XXXX XX/XX/XXXX, I contacted the section manager again and sent the documentation of the dismissal. I was told at that time with the information sent by the courts would be put into file and my accounts would be returned for the following payments on my vehicle loan and my account would be unfrozen. I even followed up the following week and told I was good and no problems. I have since also paid off my vehicle loan and also paid my credit card down but nothing that would exceed more the 15 days. I have received 3 different explinations from your offices, first the grantors discontinued my credit for other reasons and not due to dismissal, the account was closed on the XX/XX/XXXX, and dont have to be told credit was ended. I find it odd during the 30 days when I contacted each time I was not told of a closure of an account and was told only frozen and was told on the XX/XX/XXXX would be unfrozen if the account was closed on the XX/XX/XXXX. Plus due to the fact of when I applied for the loan that the bank said there was a chapter XXXX filed and under process. So what was the official updated time of the dismissal notification and I would ask the bank to produce the documents that were faxed back at the end of XX/XX/XXXX. Especially I would assume that the bank would have to maintain the paperwork for two years. This way there is complete clarity and can forward any new addendums of information pertaining to my open CPFB complaint. XXXX XXXX I conducted a follow up with the CREDIT CARD section XX/XX/XXXX. Per first complaint it was due to a loan bring to light that I have a closed credit card account with navy federal, which I was never notified of and had talked to NFCU on more than one occassion that the account was frozen and upon dismissal would be unfrozen. I was told now yes the account was closed due to bankruptcy and not renewal, which was dismissed and when talking to the credit card section at the time of the bankruptcy. Which the section stated I still had an active bankruptcy on file. Which was dismissed on XXXX XX/XX/XXXX. The first individual I spoke to was XXXX in reference to the credit card. I requested information pertaining to my bankruptcy and she was stated it was being looked into and she would talk to bankruptcy. Per our conversation she stated to me that the reason the credit card was closed per the bankruptcy because of no letter of affirmnation of the debt and why account was closed, which I was never told. Plus it would have to have been signed to confirm the debt if in Chapter XXXX, never happened. ( When contacting on the XX/XX/XXXX stated the information was showing bankruptcy and not dismissed at the time and had to fix information ). I requested to talk to the LOAN DEPARTMENT : I talked to XXXX in the department and asked since the information was not updated in the system and unfactual about removing the hard inquiry. She stated the information had been updated XX/XX/XXXX, which the Credit Card Department was not aware of and didnt know the Chapter XXXX had been dismissed. It also seems the Credit Card section does not have my Fax transmittal of formal dismissal. I requested to talk to BANKRUPTCY department : I talked to an indvidual by the name of XXXX. She stated that it was NFCU policy of filing of the bankruptcy that the account is automatically disclosed. The account was closed due to bankruptcy and stated did I talk with the bankruptcy department at the time of the filing. She further stated even if I did a letter of affirmation, that the account would be closed and could still pay on the account. When asking for a letter of the information, she stated she would have to see if it could be released and further forwarded me to the start menu. I also subsequently did not get a call back either in reference to this portion of the conversation. So either the bank does not know its own policies, does not forward or retain any information of faxed transmittals, and or talk to each department. In the process of each of these actions the bank has closed one account which dropped dropped my revolving credit to negative XXXX, this reporting which has effected my credit score and subsequently made it impossible to get a loan from any other banks since in a closed status and showing a balance, and it cost me to use my own personal funds from my retirement account to purchase a vehicle with a surchage of 20 % in taxes. | ||||||
| 06/15/2023 | Yes |
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| So I bank with Navy Federal Credit Union here in XXXX GA, My name is XXXX XXXX XXXX. Two issues and the dates in question are as such : On XX/XX/XXXX. I instructed my brokerage firm XXXX XXXX to wire My Account with Navy Federal Credit Union ending in XXXX the sum of {$100000.00} in Order to purchase a new vehicle. XXXX did the XXXX XXXX and Navy Federal Credit Union accepted it. Instead of Navy Federal simply transferring that " Federal Wire '' to the dealership, they had me come into the branch ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ) to then ( keep in mind that XXXX XXXX XXXX XXXX XXXX ) to get a cashiers check ( which they ultimately didnt give me I had to go to XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX since the fill in they had that day failed to tell me I simply could have gone into the teller line and got the check after the person who was supposed to send the wire ignored her request to do so and took another customer ) and proceed to drive two hours from my home in XXXX to purchase said vehicle from the dealership. My question is why the hard time? since I have been a member since XXXX and have been receiving funds from that brokerage firm into that account since XXXX and very large sums I may add. The second incident occurred on XX/XX/XXXX with the Security department. So after having received two wires on XX/XX/XXXX in the amounts of {$970000.00}. the other of {$16000.00} dollars, from XXXX XXXX, a company which i receive a monthly income from might I add and again a place where I have received very large sums of cash before. I go into the Navy Federal Credit Union branch located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX to send the wire, I sit down with the Services department and take all the necessary steps even provide 2 forms of identification as instructed. Navy Federal then sends the wire of {$970000.00}. to a frim XXXX XXXX, which is a property company with specific instructions to have it wired to another financial institution XXXX XXXX ( XXXX ). They send the wire, then the next morning XX/XX/XXXX, XXXX a security hold has been placed on my account ( I was notified of this in person at the branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ), with instructions to have me contact the security department, I am then put on hold for 2 hours when I reach someone and I quote mind you its on a recorded line that " they are going to need confirmation from the financial institution who sent you the funds ( mind you this is not the first time I have received large amounts of cash as well as a monthly payment from XXXX XXXX XXXX nor will it be the last ). We then contact our financial advisor with a person who was on a recorded line from the bank security department asking '' where is the verification request? " The representative at Navy Federal Credit Unions Security Department tells the representative from XXXX XXXX stated on XX/XX/XXXX at XXXXXXXX XXXX EST standard time they sent a verification of funds request to XXXX XXXX this what he told us at XXXX XXXX EST on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX then searches for said request through their entire datebase as we even later that day wait another two hours with Navy Federal Credit Union department, finally speaking to a young female at around XXXX XXXX EST with a representative from XXXX XXXX firm inquiring about that request who stated on a recorded line " you can not speak with a manager and we dont know who long the request will take to get to XXXX XXXX '' Basically tying up over {>= $1,000,000}. of my person funds until they so called " receive a verification of funds " from XXXX XXXX who continue to stress : XXXX ) They have no received such a request from Navy Federal Credit Union Security department and XXXX ) Its a Federal Wire. And so after getting basically blown off by the young lady from Navy Federal Credit Union Department on XX/XX/XXXX. I attempted to go into the Branch today XXXX XXXX XXXXXXXX to close said account and retrieve all funds, I was told in the branch located at XXXX XXXX XXXX XXXX XXXX GA XXXX by the manager that they could close the account but I could not retrieve my funds since they haven't received clearance from the security department at Navy Federal who has not received a reply for the " verification of funds '' from XXXX XXXX who repeatedly states " they have not received said request from Navy Federal anywhere. '' Now XXXX XXXX XXXX XXXX XXXX and its is a lot harder for me to move around than the average person, my question is it there company policy and if so why now all the suspsicion? Because it is clear to me if it was illicit funds or any type of suspsicion activities ( such the claim the security guy made on XX/XX/XXXX on a recorded call ) I would not have been or allowed to continuously receive my monthly dividends payments to this account and to this bank. I have been dealing with this insititution at this capacity for over 5 years. I have purchased my home through Navy Federal with funds transferred through XXXX XXXX as well as commercial property. Now because of the constant delays and no answers from the security department at Navy Federal I have missed out on a home closing, I can not feed myself, nor can I do they daily things I need to do because of this security hold on my account which Navy Federal has not dealt with in a very professional manner at all. I AM XXXX and the individuals within the Navy Federal Credit Union has ULTIMATELY AND UTTERLY REFUSED! to speak with me about it. I am formally claiming discrimination as I believe due the the color of my skin and the amount wired they found it hard to believe a XXXX man in a XXXX could have that type of money, now I have lost out on money and property and the ability to take care of myself due to the fact that NAVY FEDERAL CREDIT UNION has my account locked and I can not access {>= $1,000,000}. of my money. They have been unprofessional through this whole process and I truly believe that it is because of the color of my skin. These complaints are also to include the Security Department of Navy Federal Credit Union, as well as the training department of financial institution, I am also filing a complaint against the manager at branch : XXXX XXXX XXXX, XXXX GA XXXX, and also against the Branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX, the way they conducted themselves is not within the decorum of the institution which I have entrusted my finances with for over 5 years. The level of unprofessionalism and simply silence from Navy Federal Credit Union about this matter has left me with a huge mistrust in the institution which i was beginning to really love simply because of how my name sounds or the color of my skin. Regards, XXXX XXXX XXXX | ||||||
| 03/21/2023 | Yes |
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Web | Servicemember |
| I enlisted in XXXX at XXXX y.o. and am now a proud retired XXXX XXXX XXXX XXXX having served 20+ years of honorable service to this United States of America XXXX appointed as an officer by the Honorable XXXX XXXX and XXXX by the Honorable Barrack Obama XXXX I joined Navy Federal Credit Union ( NFCU ) at XXXX y.o. in XXXX XXXX, XXXX, which at that time members were only allowed to join Navy Federal Credit Union while serving XXXX. Since then, I have personally witnessed a decline in service member concern as well as an increase in predatory practices from this organization. After experiencing hardships as a retired member and a failed business due to the COVID pandemic, I attempted to obtain a refinance of my mortgage, serviced at Navy Federal Credit Union, from Navy Federal Credit Union to restructure my obligations but was denied without reason although I had a 700+ credit score. Ultimately, I begrudgingly made the decision to file for XXXX XXXX bankruptcy to protect my home and vehicle, and I have been micro- harassed by Navy Federal Credit Union since I notified them of the filing, to include 1 ) refusal to provide me basic information verbally, 2 ) disruption of my online account information access forcing me to call them to then receive no or unclear information, 3 ) refusal to close checking accounts upon my request, 4 ) refusal to close savings accounts upon my request, 5 ) allowance of predatory merchant charges and then 6 ) adding overdraw fees on top of the fraudulent merchant charges, 7 ) reopening and 8 ) closing defunct accounts outside of my knowledge that were in the name of an inactive business and 9 ) repeated this for a joint account in my childs name to shift deposits around ; and 10 ) removing deposits from active accounts and applying them where they wish. Most recently Navy Federal Credit Union entered into a Deferral Payment agreement with me on my VA backed mortgage loan to allow me a few months to recover as a COVID relief measure. We signed an agreement to end the plan and resume payments as previously scheduled. I made XXXX mortgage payments in the branch office, then decided to place the mortgage on an allotment directly from my XXXX monthly XXXX check. Since then, over the course of 5 months my mortgage payments have been documented to have been delivered by the XXXX to Navy Federal Credit Union to the account number of the mortgage, but NONE have been applied to the mortgage as requested with my electronic request per the XXXX. Navy Federal Credit Union will not share specific mortgage information with me nor can I access specific information online. The only information I am able to attain is that the last mortgage payment received was FIVE months ago and Ive received mixed messages that my home is now in foreclosure although I have FIVE documented deposits of whole mortgage payments ( Principle, Interest and Escrow ) to Navy Federal Credit Union via allotments. Details are as follows : In XX/XX/XXXX, I was informed by Navy Federal Credit Union that XXXX ( XXXX ) payments ( at that time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) were not applied to my mortgage and after many circular discussions that I had 1 ) submitted the electronically scheduled allotments for my mortgage payments to the wrong account number, therefore they were unable to be located in their system and were either not processed or never received ; then 2 ) that I had attempted to pay my mortgage through the allotment method and they did not accept such payments for mortgages via allotments. Subsequently, I was told the same for my XX/XX/XXXX allotment transaction that was successfully processed via XXXX to Navy Federal Credit Union ; the payment could not be found in their system. Ultimately, in XX/XX/XXXX Navy Federal admitted to have erected a defunct business account attached to an inactive sole proprietor business account and had placed two of the allotment distributions in that account. They immediately closed the account and sent me a cashier check for the ending balance for the closed the account, instructing me to visit the bank and submit the payment in the bank upon receipt of the funds. I attempted to do so, but the branch would NOT accept the payment. I was notified that day, the last payment received and documented was a mortgage payment made in XX/XX/XXXX that was made in the branch office. At that time 2 ( TWO ) other payments submitted via electronic allotment were unaccounted for and the remaining 2 ( TWO ) were then accounted for in the cashier check sent to me and kept in my possession. I was not able to stop the allotment in sufficient time for the XX/XX/XXXX allotment to process to Navy Federal Credit Union, which again they claimed to have not received it however, it appeared in another defunct account which was a joint account attached to my child who discovered the funds while reviewing his accounts online ; I am now in possession of those funds as well. To date, I am in possession of 3 ( THREE ) allotments that was processed to Navy Federal Credit Union to be routed to my mortgage, but were deposited in erected defunct accounts ; an additional 2 ( TWO ) payments are said to never have been received, processed or are misplaced somewhere in their system, however I have documentation of those successfully electronically submitted transactions from XXXX to Navy Federal Credit Union as well. Will provide documentation of the following upon request to protect my privacy. * Payment deferral agreement with Navy Federal Credit Union XXXX Enclosure 1 ) * DOD Allotment Transactions Initiation ( Enclosure 2 ) * Cashiers check returned to me equating to 2 months of mortgage payments received by Navy Federal Credit Union to be routed to my mortgage using the mortgage account number via allotment through the XXXX system, but was not applied to my mortgage ( Enclosure XXXX ) * Documentation of dormant account holding the XX/XX/XXXX transfer ( which is not my mortgage account and does not belong to me, it was my childs joint account attached to me ). As of TODAY, Navy Federal Credit Union claims they can not find these funds, but I located them in this dormant account and am in possession of the funds. ( Enclosure 4 ) * Copies of the allotment deposits posted by XXXX for XX/XX/XXXX ( Enclosure 5 ), XX/XX/XXXX ( Enclosure 6 ), XX/XX/XXXX ( Enclosure 7 ), XX/XX/XXXX ( Enclosure 8 ). ( XX/XX/XXXX documentation is pending processing in the XXXX online system ) Equating to approximately {$12000.00} of unapplied payments. Lastly, Navy Federal Credit Union will not send me a copy of my payment history or provide regular mortgage account activity when I contact them due to me filing a XXXX XXXX bankruptcy. | ||||||
| 10/10/2022 | Yes |
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| Navy Federal Credit Union Billing Error Dispute CFPB Account Number : XXXX I have reasonable cause to believe that I have been extorted! NAVY FEDERAL CREDIT UNION is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have put NAVY FEDERAL CREDIT UNION, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on notice on XX/XX/2022 and XX/XX/2022 via United States Postal Service Certified tracking service mail, that account # XXXX is a billing error. The erroneously billing statement shows that a computated billing statement has an error. Pursuant to section 1666 of title 15 under the terms of the Fair Credit Billing act, the bank as the creditor was to determined the validity of the debt in question as well as refund the credit balance in good faith to the cardholder. Fair Credit Billing Act states that a creditor may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. NAVY FEDERAL CREDIT UNION has violated this dispute by restricting my credit card account. Reporting negative inaccurate information to non-affiliated third parties without my lawful consent. NAVY FEDERAL CREDIT UNION has willfully done this with the intent to coerce repayment of extensions of credit. They have also withdrawn funds from checking account without my authorization. Upon my billing error dispute with NAVY FEDERAL CREDIT UNION and its agent ( XXXX ) XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) has breached their fiduciary duties. According to the law, NAVY FEDERAL CREDIT UNION did not respond to my dispute. NAVY FEDERAL CREDIT UNION proceeded to keep account in negative status and ignored my demands as the cardholder. Account # XXXX was never updated or accounted for billing error instead fees were charged to account and harassing phone calls, emails, and restricting of all accounts were placed. Once I put NAVY FEDERAL CREDIT UNION & agent ( s ) XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) to clarify and rectify this matter with the banks obligations to the cardholder on this matter they have ignored my dispute. They acted in bad faith and retaliation to harm my financial reputation. I have put them on notice to exercised my rights as a consumer and disaffirmed any alleged contract with them due to the breach of their fiduciary duty. Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have reasonable cause to believe this transaction was conducted knowingly and intentionally in bad faith. It is the purpose of TILA to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I have reasonable cause to believe the bank used their undue influence to induce me into a contract of adhesion. The bank acted in bad faith and has been unjustly enriched as a result of undue influence. The banks failure to maintain the integrity of my nonpublic personal information, my consumer credit reputation has been jeopardized due to punishment for the nonpayment of an extension of credit. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. I have never been explained my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. I did not authorize, nor consent to nor would I ever knowingly consent to the furnishing of any negative information to any nonaffiliated third parties. This fraudulently furnished negative information causes a restraint of trade and commerce and violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Any payments made on this account were a result of threat, duress, and coercion. This has been done as a retaliatory statue that NAVY FEDERAL CREDIT UNION has done this to coerce me to make payments of an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. NAVY FEDERAL CREDIT UNION and the consumer reporting agencies ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX L.L.C. ) involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. NAVY FEDERAL CREDIT UNION along with the help of the Consumer Reporting Agencies ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ) are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for no repayment thereof. This is a violation of XXXX XXXX Code XXXX and XXXX XXXX Code XXXX and everyone involved shall be held criminally liable for engaging in racketeering activity. Chief XXXX XXXX XXXX XXXX of NAVY FEDERAL CREDIT UNION has breached fiduciary duty and failed to provide me with any documentary material certifying that I gave my lawful consent for my nonpublic personal information to be disclosed to nonaffiliated third parties. If this documentary material can not be provided, this has been fraudulently furnished information with forethought and malice as a means of bringing harm to me and my financial reputation. Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end-consumer credit plan as late for any purpose. This breach of fiduciary duty would render any alleged contract or agreement with the consumer, whether implied or explicit, illegal. I have reasons to believe that Chief Financial XXXX XXXX XXXX XXXX of NAVY FEDERAL CREDIT UNION has breached his fiduciary duty and failed to provide me with authenticated documentary evidence. On XX/XX/2022 XXXX XXXX XXXX sent via XXXX XXXX XXXX XXXX documents that did not provide my indebtedness unauthenticated documents. NAVY FEDERAL CREDIT UNION has caused stress and duress in ordinance of this matter at hand. | ||||||
| 07/20/2022 | Yes |
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Web | Servicemember |
| Hello, I am sending what I attached and sent to my bank involving the scam that took place. This was my rebuttal to the first denial, and they have now denied me again, saying " I did not fall under their policy and it will remain denied. '' It truly upsets me that they had all the information to see that this was a fraudulent listing and still refuse to support their members - But gave me back ATM withdrawals ( {$1800.00} ) that I gave them ( the scammers ) when they ( the bank ) said it would most likely not get approved. To whom it may concern, I am a victim of an online rental scam from XX/XX/XXXX to XX/XX/XXXX, when I first reported the issue to the FTC. Over that course of time, I was working on upgrading my living situation from an apartment to a house for my family as our lease was coming to an end, and we provided a 60-day notice that we would be leaving so we could move into this house all while unknowingly being taken advantage of due to my veteran status. After giving our 60-day notice and realizing I was being scammed, the panic set it that there was a real possibility that we would be homeless and out a lot of money. To explain what happened, I will do my best to take you through a very tough situation. To hold the house and take it off the market, I was asked to make three forms of payment first months, last months rent, and a security deposit which was a widespread request to rent a house and is something that is understood nationwide. Additional payments/fees were made per the agreement/contract as it was told that they would be taken off the future rent payments. I was in a very vulnerable state as I was on a new medication that I was prescribed to take due to my diagnosis from my service in the XXXX. This just added to everything that the scammers knew and took advantage of to make it known that I would be an easy target. In addition to the scam against me, the scammers also stole the identity of the valid owner of the house I was going to be renting. I was shown/given documents that the house was owned by the said individual I was supposed to be talking to. The actual person who owns the property, when informed of this matter, said they had never spoken or heard of me and was unaware that their identity had been stolen. I will attach the documents that relate to this and show proof of what I saw. I went to the courthouse to go after the individual who scammed us in a civil matter ; they assisted me with figuring out the actual owner of the property. I tried to do the right thing and attempted to contact her work so I could inform her that her identity had been compromised ; they refused to take a message, and I was later reported to the police, quickly ending up on the wrong side of justice all do to a misunderstanding and the fact that I couldnt explain what had been going on. All I wanted to do was inform her of her identity being stolen and what was going on with her property. Later that night, I was contacted by an XXXX who informed me of what was going on as he called to question me and finally heard me out after scolding me about being a victim of a rental scam that should have been reported sooner. I was trying to do the right thing and help someone else out who was getting scammed by the same person I was, and now I just want this all past me so I can continue living my life without this hassle. After I had been through all these hectic situations and thought maybe this was all past me, the individual contacted me again, asking me to work with him and help scam other people. I informed the police, and they told me that nothing could be done, and my only option and hope left was to contact the bank to get my money back. So, this is where I am asking you for help in clearing up this matter and finally letting me move past it all. I have been a proud Navy Federal credit union member for several years and am to this day. This matter requires some additional and deeper investigation, hopefully resulting in a full refund of money. This was US currency stolen from me, not an online format I lost to trading. I ask that this be taken seriously as it is an actual claim of fraud and a legitimate claim of a scam that was reported to the XXXX Police Department ( Report # XXXX ) as well as the FTC ( Report # XXXX ). ( Files attached ) After I contacted the bank to start the fraud claim, I was issued a new checking account due to the fact that we werent sure if my previous information and financials had been compromised ; I received a new card and switched everything over to my new account. I was under the impression that things were being handled, and I was finally getting the help I needed. The bank returned the majority of the money I lost, which was amazing. All evidence and contact information was provided when filing my initial claim, and that is why I am disappointed in the way this claim was handled and the recent outcome. I was recently notified by email that an adjustment was being made to my account without any kind of warning and left me with a negative balance of {$5900.00} without any explanation. I find this very unprofessional and not living up to what the NFCU stands for. I was always under the impression that NFCU honored and protected their veteran clients from this kind of danger, especially when it involves the sensitive topic of possible veteran homelessness. As you can imagine, this was a very terrifying time for my family and me as we were not sure where we were going to live and out all this money due to the scam. I hope you can understand and see this as a serious matter that has only been causing more problems for me as the days go on. The following information is all the contact information I have between the parties at hand. XXXX Email by the supposed owner of the house phone number is : I believe their name is XXXX XXXX the main person ) ( XXXX ) XXXX XXXX XXXX Email provided by the supposed owner ; this is the person that was supposed to be delivering me the keys through shipment. - XXXX XXXX ( XXXX ) XXXX XXXX Another person that reached out to me being the person brother : - XXXX ( XXXX ) XXXX XXXX XXXX XXXX Email : XXXX The attorney : XXXX Villa Email : XXXX Name : XXXX XXXX XXXX https : //www.timetasklogs.com/welcome/contact.php The website of the shipping company that was supposed to be delivering the keys and documents to the house I was supposed to be renting. https : //www.timetasklogs.com/welcome/check.php The tracking number for this is : XXXX The bank information that was shared with me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX Routing Number : XXXX | ||||||
| 04/01/2021 | Yes |
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Web | Servicemember |
| Current Entry : Navy Federal has NOT fixed the below described issue. The issue is not whether they converted my SCRA benefits but the fact that they put all the extra payment, over the minimum payments, to one of the 6 % portions of the credit card and NOT the current charges at 14.99 %. Look at what should have converted in XX/XX/XXXX compared to what is owed now % wise and what was charged and paid every month. It doesn't add up, they paid part of the lower interest first! If you look at the information that was submitted, they paid off one of the 6 % portions with that extra money and did not put it toward the 14.99 % which is what they are LEGALLY supposed to do. According to the Credit Card Act of XXXX, a company CAN NOT put extra payments over the monthly minimum toward the lower interest rate if there is more than one rate on the card and that is the case here. There were 2. One at 6 % and the monthly amounts I was charging at XXXX. My current card balance should be at 6 % with hardly any at 14.99 % based on the amount that should have transferred to 6 % back in XXXX. Can someone on your end look at the documentation I submitted? I'm going to put in a new complaint because it's clear this wasn't understood. What they have done is ILLEGAL. The amounts I paid over the minimum match the amounts I was charging and should have gone to current charges at 14.99 %. My most recent statement shows that only half of what is owed is at 6 %, so they were not putting that extra money toward the XXXX but the lower interest rate. How is that possible unless it was calculated incorrectly? The CFPB is supposed to investigate this, especially if this is fraudulent charging of interest rates. They violated the credit card act. It might only be the loss of about XXXX dollars to me in interest but if they do this to a lot of people, that amount adds up quickly and could constitute fraud. As a military service member, I want someone to investigate this further. This is incorrect and illegal. They did nothing to fix this for me except write me a letter to tell me that it's correct with no proof to their claim. I want to see the analyst 's notes and the calculations used down to the XXXX for these transactions when the account went to 6 % in XXXX and how they came up with these figures for the last 9 months because it doesn't add up. Please advise and require them to provide this data. PREVIOUS COMPLAINT NOT ANSWERED ACCURATELY OR WITH DATA Navy Federal Credit Union ( NFCU ) calculated my interest on my credit card under the SCRA benefits incorrectly, by paying off my " balance transfer '' rate '' first with my over the minimum payments, instead of putting the extra amounts toward the current transactions for the months they were made that were being calculated at 14.99 %. In XX/XX/XXXX, I was called to XXXX XXXX with the XXXX. I contacted NFCU that month to let them know about it and request the SCRA benefits. It took them 4 months to finally institute the benefits, despite my calling multiple times to inquire. They stated they were " backlogged '' and they would get to it. Late XX/XX/XXXX, they finally " converted '' my card amounts under SCRA ; however, they did not put the full amount that was owed in XXXX to the 6 %, as the law requires, Instead, they refunded some of the interest I paid but put all the extra monthly over-the-minimum due payment amounts toward the " balance transfer '' interest rate which should have been put to 6 % and all the additional money paid in should have gone to the current monthly charges that I was charging. This means they paid off something that should have been at 6 % before paying off the higher monthly charges that were at 14.99 %. This is a violation of the CARD act, paying a lower interest rate first, and a violation of my SCRA rights that require the entire amount owed on my card at the time of XXXX XXXX to go to 6 %, regardless of whether it was a balance transfer rate, etc. At the time, the balance transfer rate was expired and was at the same rate as purchases, or 14.99 %. In XX/XX/XXXX, I contacted them and explained that I believed this to be the case and asked that they look into it. They did nothing. I contacted them again in XX/XX/XXXX XXXX more times and spoke with several people and requested a call from a supervisor, again they did nothing. During this time, I also put in several online messages through their portal, 4 of them, and they did NOT respond to any of them and again did nothing. In XX/XX/XXXX, I talked to someone named XXXX, apparently he was a SCRA supervisor, for 90 minutes and he stated he would go back to the analyst that completed the SCRA calculation transaction to get more information and that he would return my call. He never did. I called again last week and again asked for someone to call me back and again they did nothing. The newest statement showed no change and it's clear they don't want to change it or help me figure this out when it's clear they are in the wrong. They obviously don't care and so I'm filing this complaint with you, the SCRA/DOJ, the credit bureaus and the XXXX. Attached you will find all the statements since I went on XXXX XXXX, as well as a spreadsheet I created that shows what was owed at the time of XXXX XXXX and all the charges and payments made during this timeframe. They paid off one of the 6 % items first, thus now forcing me to pay 14.99 % on items I charged while on XXXX XXXX overseas which should have been paid first. Unlike most cards, they do not lower the rate for current charges while on XXXX XXXX ( like XXXX, XXXX, XXXX ), only those obtained PRIOR to XXXX XXXX ( and apparently don't even want to do that for us! XXXX. The fact they waited to " update '' my account makes me also think they did it on purpose so they could charge me the way they did, which is clearly a violation to the CARD act and the SCRA. It's not about the money, it's about the principle, and it's clear that NFCU doesn't have any principles to help servicemembers when they need it the most. I'm incredibly disappointed and hope you can help me rectify this issue. For any other servicemembers that read this, DON'T USE THE NFCU CREDIT CARDS ON XXXX XXXX. There are many other better options by companies that clearly care about us when we are called up. Thank you. There is only one fair solution, that my card be calculated correctly based on the law of the CARD act of XXXX and the SCRA. I should owe about XXXX at 6 % and my 14.99 % rate part should be XXXX or very close to that, if they had actually paid off the higher interest rates on the monthly charges first. | ||||||
| 12/12/2021 | Yes |
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Web | Servicemember |
| ack on XX/XX/2021 an acquaintance of mine on instagram started posting stories pertaining to a cryptocurrency company that she has recently joined. Further on her posts she was claiming how this company ; XXXXXXXX, provided her great wealth in just a matter of hours. She was highly advertising it to her followers on instagram how easy it is for them, including me, to be on the same financial path like hers. She was stating that if were interested in joining the platform shes marketing she is tagging a friend- the broker, in her story and we can just directly send her a private message with our inquiry. I'm XXXX years old with a family here in America and in the XXXX that I'm fully supporting. Investing has always been on the back of my mind, it's a matter of how to start it and who to approach prior, so when her story was presented to me i took it as an opportunity to grab. On that same day I sent her friend- the broker, a message of interest. Her XXXX page is named XXXX with a username of XXXX XXXXXXXX. After a while she responded back and thats when we started to exchange messages. She was telling me that she has people from different age groups and financial statuses that shes mentoring about cryptocurrency mining and how they are earning up to {$3000.00} - {$5000.00} daily. She then was asking me first how much Im willing to start to invest and if I'm truly certain in joining she asked me to purchase bitcoin worth my investment via XXXX XXXX and send her a screenshot to get started. I did purchase Bitcoin from a XXXX XXXX worth {$1000.00} on XX/XX/2021 using my XXXX XXXX debit card that was linked in my XXXX XXXX XXXX and after I completed the transaction I sent her a screenshot of it as a proof that I bought it. The broker, XXXX, told me to send it to the platform address of their crypto mining company which is XXXX and If needed I have their wallet address. Prior to that we had some small problems because I was having issues purchasing bitcoins from XXXX XXXX with a large amount of money. She then recommended a few websites to buy bitcoin from- she was sending me links for XXXX and XXXX, but still nothing was working. I was having the same issues - error on purchasing bitcoins. Afterwards I asked her if I could send it through XXXX or XXXX instead, in which she agreed to do all the transactions through XXXX. I used two bank accounts, my XXXX XXXX and Navy Federal account for most of the transactions, but there were two transactions where I bought bitcoin from a Bitcoin XXXX ; this was one of her suggestions with regards to purchasing bitcoins as well. On XX/XX/XXXX, I sent her money through XXXX with an amount of {$3500.00}. She instructed me to have this email XXXX as the recipient. She was stating that this fee is to upgrade my trading account so i can have a bigger profit limit and subsequently an email was sent to me stating that I need to make another payment for conversion rate code because it being required to be issued to verify that there is a legal transaction between me and XXXX trading company, they further stated that this is mandatory for withdrawals via XXXXXXXX XXXX deposits for investors within the united states, as within regulations on trade being monitored by the XXXX and XXXX. I adhered to all their requests and I sent the amount of money that they were asking. I was entrusting them my money, I was asking for reassurance of business and she was telling me all the promises and how my trading account is blooming thanks to their work. She was telling me that I can watch and check how my money is working for me through their website. It was a perfect scheme, I was under the complete impression that everything was legit. It wasnt until later on when it dawned on me. But I further went on trading with them, i am receiving emails from the company on what are the next steps for me and my trading account, on the emails they kept asking me for fees that I need to pay such as, transfer license so I can make withdrawals from my trading account to XXXX XXXX account, payment for conversion rate codes, as well as payment to them for TAX charges for XXXX, and payment for high traffic charge due to high price of bitcoins. After a while with all the payments I was being asked for, my suspicions started to surface. I was messaging them back on how and when I can withdraw my profits, but all the response I received was soon, when I made this additional payment. On XX/XX/XXXX and XXXX I sent the broker another transaction through XXXX using my Navy Federal bank with the amount of {$2200.00} and I was instructed to send it to the same recipient XXXX. She was stating that this is another payment that I need to make so I can withdraw my money from their website. The two other transactions were through a Bitcoin XXXX and I paid that with cash. I got both of the receipts with the wallet address of the fake broker that told me to send the bitcoin to. The first transaction was {$2500.00} on XX/XX/2021 and the second one was on XX/XX/2021 with the amount of {$1500.00}. On XX/XX/2021 still with no definite answer on when can i receive my funds I found out that that friend of mine from XXXX who initially posted the story referring us to the fake broker have her account hacked, I have on my phone the information and proof that her account got hacked by someone else that might be link to the person who is behind the fake brokers account as well. I tried to confront the fake broker but I did not get the response that I needed. I sent them a couple more messages prior to the matter but they stopped responding to me. I already filed a report of fraud to my banks and I also submitted a report to the Federal Trade Commision. I am with high hopes that I'm able to retrieve all of my money, if not just even a percentage of it. I was blinded with the thought of having fast money. But all 's too good to be true, I invested all my savings and basically every penny that I have. I am greatly seeking help on my case. I am an honest citizen of the United States, I am actively serving this country. I work in the military in which we arent highly compensated with money. I hold so many plans for my money which are mostly to help my family, but all of which seems to be impossible. I am struggling so badly and am having a hard time seeing the light in the tunnel that Im in, despite it all I'm still hoping to get through this matter. I am desperately asking for help that someone will get back with me prior and assist me in furthering my case. I am willing to cooperate if any more information is required. Thank you and God bless! | ||||||
| 10/26/2021 | Yes |
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| PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS! FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : NA 6. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 9. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 16. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 17. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 18. XXXX Account Number : XXXX Please remove it from my credit report. XXXX XXXX | ||||||
| 09/17/2023 | Yes |
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| I am writing to officially file a complaint against Navy Federal Credit Union ( NFCU ) for what I believe to be a gross violation of my consumer rights as protected under 15 U.S. Code 1681s3 pertaining to affiliate sharing of personal information. NFCU failed to comply with the necessary disclosure requirements that mandate clearly and conspicuously informing the consumer that their information may be communicated among entities affiliated by corporate control for marketing solicitations. Furthermore, NFCU did not provide an opportunity or a straightforward method for me to prohibit such solicitations, thereby failing to adhere to the standards established under the aforesaid statute, specifically clauses 1681s-3 ( a ) ( 1 ) ( A ) and ( B ). To detail, NFCU has shared significant personal financial information, including specific transaction amounts, with multiple credit agencies and entities including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These shared amounts include {$36000.00}, {$10000.00}, {$8900.00}, {$5300.00}, and {$19000.00}. This sharing of personal financial information was done without my explicit consent and absent any disclosure of such potential sharing in the member 's rules and regulations, a copy of which has been duly attached for your reference. Initiate an Immediate Investigation : To duly investigate this breach of consumer rights, collaborating with other involved entities to ensure a thorough review of the circumstances. Ensure Compliance : To use its position as a reputed credit agency to enforce stringent adherence to the rules stipulated under 15 U.S. Code 1681s3, ensuring other consumers do not face a similar breach of privacy. Restore My Credit Standing : To take necessary measures to restore any potential harm done to my credit score or financial standing as a consequence of this unauthorized sharing of my personal information. Feedback on Actions Taken : To keep me informed on the steps taken in rectifying this issue and ensuring adherence to the stipulated consumer protection guidelines. I am looking forward to a prompt resolution of this matter, putting my trust in XXXX to uphold the principles of consumer rights protection and to work towards redressing this breach of trust and privacy. I am willing to provide any further information that may be required to facilitate this investigation. Thank you for your attention to this serious matter. I eagerly await your response. Enclosures : Copy of Member 's Rules and Regulations from Navy Federal Credit Union 15 U.S. Code 1681s3 - Affiliate sharing ( a ) Special rule for solicitation for purposes of marketing Notice Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report but for clauses ( i ), ( ii ), and ( iii ) of section 1681a ( d ) ( 2 ) ( A ) of this title, may not use the information to make a solicitation for marketing purposes to a consumer about its products or services, unless ( A ) it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons for purposes of making such solicitations to the consumer ; and ( B ) the consumer is provided an opportunity and a simple method to prohibit the making of such solicitations to the consumer by such person. Consumer choice ( A ) In general The notice required under paragraph ( 1 ) shall allow the consumer the opportunity to prohibit all solicitations referred to in such paragraph, and may allow the consumer to choose from different options when electing to prohibit the sending of such solicitations, including options regarding the types of entities and information covered, and which methods of delivering solicitations the consumer elects to prohibit. ( b ) Duration of consumers election The election of a consumer to prohibit the making of solicitations under subsection ( a ) shall be effective for at least 5 years, beginning on the date on which the person receives the election of the consumer, unless the consumer revokes such election ; or the consumer requests that such solicitations be resumed. ( c ) Other products or services Nothing in this section shall be construed as prohibiting a person from making solicitations to a consumer if the consumer has initiated contact with the person ; to prevent directed marketing of products or services to a consumer if such marketing is not made through the use of information that would be a consumer report, but for clauses ( i ), ( ii ), and ( iii ) of section 1681a ( d ) ( 2 ) ( A ) of this title. ( d ) Enforcement This section shall be enforced exclusively under section 1681s of this title by the Federal agencies and officials identified in that section. In the context of your situation, section ( a ) is particularly relevant. It stipulates that if NFCU has shared your personal information, which would qualify as a " consumer report '' with affiliated companies for marketing purposes, they were required by law to inform you clearly and conspicuously that such sharing may occur. Furthermore, they were obligated to provide you with a simple method to opt out of such solicitations. Before taking action, ensure you review the members rules and any other agreement you have with NFCU carefully to confirm whether such disclosures were made and whether an opt-out method was provided. You may then proceed to raise this issue based on the guidelines provided in the 15 U.S. Code 1681s3, if it seems they were in violation I contend that NFCU has egregiously violated these stipulated norms by sharing substantial financial information inclusive of explicit transaction details with multiple external agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The transaction details are as follows : {$36000.00} {$10000.00} {$8900.00} {$5300.00} {$19000.00} This sharing of sensitive personal data was executed without my explicit consent, and more so, without any such disclosure in the members rules and regulations, the proof of and interests of consumers like myself. Ensure Compliance : Leverage your position to enforce stringent adherence to the rules detailed under 15 U.S. Code 1681s3, thus ensuring no other consumer faces a similar infringement of their rights. Restore My Credit Standing : Facilitate the restoration of any damage inflicted on my credit score or financial standing due to this unauthorized sharing of my personal information. | ||||||
| 03/10/2020 | Yes |
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Web | Older American, Servicemember |
| Hello ; We applied for a VA Streamline Refinancing Loan with Navy Federal Credit Union on XX/XX/XXXX. It was to be a 15 years loan, at a rate of 2.625 %, which we had to pay {$6400.00} to buy down the points/rate from 2.875 % to 2.625 % which we were told had to be done or the loan would not be allowed. Please keep in mind from Day 1 forward we were ALWAYS told and reinforced, that if the rate drop ; we would not have to buy points. However, we would have to start the loan process all over again. Having to only pay for another credit pull or fee for the both of us for a little over {$38.00}. We were fine with this and not in a hurry. I always checked their rates almost every single day. For whatever reason, our Loan processor changed 3 times and we were last with XXXX XXXX at XXXX # XXXX. There were several bumps along the road with the numbers and on the 9-Loan Estimates documents we received along with the 2-Closing Disclosures notices. From the beginning I noticed the numbers were not right/off and not what we were told. Id call and mention this, theyd redo the Loan Est Form again and then they would change another or different number in a different area. Im kind of a numbers person, so I felt forced to watch this all the time. Anyway, we finally signed on Monday, XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX Tuesday the Feds lower the rates again. I did not get too excepted because I know the bank dont always follow suite and certainly not this quickly ( or at least in the past ). However, when I checked NFs website the next day ( XX/XX/XXXX Wednesday at XXXX ) I noticed the rates had dropped to our 2.625 % ; which we had, had to pay extra points for just to qualify for the loan or for NF to do the loan ( not sure which ). So we had decided to cancel the loan ; using the 3 Day Right of Rescission ; I went through every piece of paper in our closing documents and there was nothing there for this. So I started calling, emailing, and even NF contact on line messaging service ; and everyone I knew at NF that we had touched in the loan process. Because we were only about 37 hours from the signing and I wanted to take advantage of the falling rates. I had talked with at least 8 people at NF on XX/XX/XXXX in the am ( via phone, email, & messaging at NFs web site ) and all said the same ; yes you can do this. But all were warning me ; wed have to start the process all over again, and paying the {$38.00} fee again ; pushing out the closing again ; and probably having to pay an additional monthly payment or two in the process, etc. I told them all, no problem ; it was worth it all ; they all understood and noted they would have done the same. The next to the last person I spoke with at NF at apx XXXX XXXX mentioned that NF had dropped the rates again and now they were down to 2.50 % and if we purchased points again wed be down to 2.25 %. Then at XXXX XXXX the very last person I spoke with mentioned that they dropped to 2.375 % and if we did a buy down on the points it would bring it down to 2.125 %. I immediately started the new loan process over again. We were elated with this news ; I mentioned to her that both my husband and I were XXXX Veterans, that my husband was also a XXXX Veteran and we both worked in XXXX XXXX for many years and were preparing to retire. Thus, this whole refinancing effort to lower our monthly mortgage payments and just help make our lives a little easier. I had also talked additionally with our Mortgage Broker from the title company XXXX XXXX and she sent me an email noting we had time ; the loan had not been sent or funded and that she was pulling it all back and doing nothing till I told her otherwise, this was at XXXX hours XX/XX/XXXX. So of course, we were thrilled ; however this ended in the pm on XX/XX/XXXX when a 10th person XXXX XXXX ( our loan processor ) calls me and tells meyou cant do this, the loan is done and already funded. I explained to her what Ms. XXXX had told me, and the other 8 contacts from the am and she said she would check on it and call me back. Much later yesterday on XX/XX/XXXX Ms. XXXX called me back ; however, I was on the road traveling to XXXX for work and could not answer. She had left a message that this was now going up through her management for a decision and she would know by XX/XX/XXXX in the evening. XXXX XXXX XX/XX/XXXX Ms. XXXX called back ( she was on the smug side with me, a little rude and matter-of-factually ) ; I can only guess because in her mindshe had won now ) I didnt see this as a win or lose ; She said that NF had decided to not change the rate. I again told her I did not expect them to do that. I told her all along NF told me if the rate went down, wed have the right to start all over again and we were fine with that. She stated no NF would not allow us to do that, and the loan stands. Well at this point my husband I gave up, beaten, so we were ready to let it go. Friday morning XXXX I received a call from NF Title company saying there was one form we did not sign and that they would need it to completed and fund the loan. I told them thats great, you know we dont want to complete this loan and noted that to everyone with the required 72 hours ; which I was informed againwe dont have that right and had to complete the loan papers. I told her ( which was true ) I had no way to print it out, sign it and scan it back till Monday. My husband and I decided to look into this further ; I call researched on line about the 3-Day right of Rescission ; CFPB, Consumer Financial protection Bureau and felt we needed a 3 party to tell us our rights. Ive got to say there was no one in authority with NFCU to do that, so I turned to several people. In this process Ms. XXXX would call and kind of threaten us ( I guess with the nicest voice ever ). Tuesday XX/XX/XXXX her latest threat was you are risking your VA Funding if we dont complete the process and return the form signed. So I called VA XXXX XXXX XXXX @ XXXX and was told that was not true and that there should have been a 3 Day Right of Rescission in our signing packet. I mentioned their was not and also that one of their other reasons why NF said we could not do a Rescission the loan was because it was a NF loan to NF Loan. You know if we have to buy down the points again ; thats fine ; if we have to make a couple of payments till its refinanced ; even thats fine. We are hoping for our rights in this situation, and we are having trouble finding them. | ||||||
| 07/05/2021 | Yes |
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| My checking account with Navy Federal Credit Union had an automatic payment ( monthly insurance installment ) established with XXXX XXXX. For the month of XXXX, I prepaid this amount on XX/XX/XXXX. This was in response to a false claim by the XXXX representative that a {$5.00} installment fee each month was avoidable by paying early. There evident policy is, in fact, that payments need to be scheduled prior to the date each bill is created ( i.e., 17 days prior to the due date ) but not that they must also be scheduled to pay in advance. The payment I made the day of XX/XX/XXXX posted to NFCU on XXXX. Subsequently, I contacted XXXX when the usual payment set for XX/XX/XXXX was still reflected on my " upcoming payments, '' without adjustment for the payment already being applied for the period beginning XX/XX/XXXX. They eventually recanted, giving acknowledgement that they falsely had represented future due dates as " upcoming payments. '' These could not be adjusted XXXX and, functionally, worked the same as a credit card statement with a Due Date that is fixed, irrespective of whether a cardholder may actually pay early ). They were implemented to obfuscate that a payment had, in fact, been scheduled XXXX now superfluous to the XXXX policy period ), and did need to be cancelled. The first written response I received was after that XX/XX/XXXX payment was submitted for processing. Hence, the following transactions did occur. XX/XX/XXXX, repeat payment was submitted by XXXX, shows " processing. '' In feedback, they repeatedly claimed this was intended to be applied to the policy period from XX/XX/XXXX to XX/XX/XXXX. Between XX/XX/XXXX and XXXX, NFCU relays the scheduled ACH transaction against my account, which now has funds below the amount of that transaction to allow it to pull in duplicate. XX/XX/XXXX, NFCU assesses an insufficient funds fee XXXX {$29.00} XXXX which I am not alerted to until that morning of XX/XX/XXXX ( via e-mail ). Tuesday, XX/XX/XXXX, I have {$30.00} transferred to NFCU to repair the negative balance now on my checking account. XX/XX/XXXX, I call NFCU to clarify that this fee, which had not been listed with any explanation -- vendor, date, or type of transaction. ( Only the later date the fee was assessed shows on the statement. ). Per their account notice : " ... the item ( s ) listed in the table below was/were presented for payment. Sufficient funds were not available in your account to pay for this/these item ( s ) ; therefore, the item ( s ) was/were returned. Per the terms and conditions for your account, please be advised that when funds are not available to pay an item, a {$29.00} fee may be assessed for each returned item. A total of was deducted from your account on the next business day for the following item ( s ) : " Item Number ( ID ) " XXXX '' On the call, I make a clear argument that this transaction was submitted in error, upon misinformation and counsel of XXXX to pay early, and that the request was for a payment obligation previously satisfied ; I also clearly state that I did not wish this transaction to have gone through, and had -- prior to XX/XX/XXXX -- contacted XXXX on fear that ( as the website represented ) they would take an " upcoming payment '' that I could not cancel online. At this time, I was given no information that the fee -- per standard policy -- would be assessed, without any discretion, three times at intervals at or greater than two business days. Neither did I have actionable information that I needed to expect the transaction to be re-submitted, nor that it would have any consequence if I did not have the funds available for subsequent processing ( transfer out of my account to satisfy XXXX ). Accordingly, I did not know there was a payment in any way active, and which I could request to stop. I called XXXX also XX/XX/XXXX and made an extended verbal grievance of the same, citing the phone calls and the lies the first representative furnished ( in direct opposition to statements on the website and in my e-mail correspondence from them on the matter. A supervisor recognized the patent misrepresentation of the payment terms which I had been furnished ( on the phone prior to my payment XX/XX/XXXX ), and offered to repair the {$5.00} increase in charge for the current month. She did not address the intent of XXXX to assess a {$20.00} fee for the second payment not processing, and -- significantly -- she also made no mention of the fact that they anticipated at least 3 business days ( 3 attempts ) before resolution of the XX/XX/XXXX payment, that only with failure thereupon would this fee be assessed. XX/XX/XXXX, NFCU again generates an e-mail, again assesses a fee without explanation substantially beyond the discrepancy within their notice that ( 1 ) the item, with the same ID " On XX/XX/XXXX '' ( posted XX/XX/XXXX ) appearing for the notice of XX/XX/XXXX ( XX/XX/XXXX posting ) had not been " returned, '' but was held open ; ( 2 ) " a {$29.00} fee may be assessed for each returned item, '' where I had been charged again on that item which the notice identified as the same ; and ( 3 ) that I had, in fact, been charged twice rather than " A total of {$29.00}, '' as was a second time claimed. Without delay, I again called on XX/XX/XXXX, again raised the issues as at the previous call ( to NFCU ), and demanded a transparent explanation of why it was justified to take a second fee -- which is in violation of NFCU 's own terms and in defiance of the explanation of what was communicated to me in the referenced notices And also by telephone just two days before. Injury was not conceded, and remuneration or even a revision of the terms of the account agreement or the fee notice which were false were not received for consideration. I did learn that it was their design to charge me a third time, and I was offered a stop payment for that final processing attempt. Also, I at this time transferred funds to the excess amount needed ( after offsetting the negative balance ) in the event that a debit was again attempted. I also sent another message to NFCU today to signal " my object to file a complaint '' with this body, and the potential of obtaining legal representation, in consideration of their apparent violation of the law. A later conversation with XXXX yielded an offer to offset the returned-payment fee XXXX {$20.00} XXXX on the next payment due ; this adjustment has not been made as of this writing. | ||||||
| 11/13/2022 | Yes |
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| My wife presented 2 POA to Navy Federal and they were rejected without giving any legal reasons why. My cousin presented a POA and it was rejected without any legal reason why. Finally one of the best lawyers in the world submitted a POA which authorize him to be my attorney in fact and it was DENIED with the reason of it being ALTERED and not being able to confirm the validity. When someone is a current member of Navy Federal credit those identifying questions arent needed per Navy Federals POA document. This is the reason XXXX XXXX omitted that information because his identity could be verified because he is a member. Another stall tactic. Navy Federal was called out about the false accusation against my former attorney XXXX XXXX XXXX but this gave me the fuel to fight the largest credit union in the world. As of XX/XX/XXXX XXXX XXXX XXXX XXXX is no longer my attorney. For 6 months he tried to help me fix these problems for FREE but unfortunately his legal letters were ignored and his final attempt to become POA on my bank account was rejected due to the false accusation of altered documents by an attorney. Its insulting as well as a display of the desperation of Navy Federal Credit Union to accuse XXXX XXXX XXXX an attorney practicing in Texas for over 35 years of fraud. Were asking that the blatant bullying and continued breach of fiduciary duty to STOP. If my wife, family and or lawyer has continuously been REJECTED, I have no other choice but to revert back to my wife. She is who I want as my POA and she is who should be my POA. XXXX XXXX XXXX XXXX, were not backing down and were doing this for ourselves and for every other American going through a similar situation with Navy Federal or any other bank. Why should Americans place their trust in banks if they can steal their money at will? This has been going on for 6 months and my credit that was excellent has been destroyed. We have lost our store front and business contracts and my wife is now homeless. The irony of that situation my wife have just been awarded the XXXX XXXX XXXX XXXX by Joe Biden and acknowledge by her mayor XXXX XXXX for her XXXX XXXX XXXX XXXX XXXX. Navy Federal have broken the law repeatedly and it must stop. Im XXXX but I still have rights and Im still a member. You must accept my new POA coming from my wife. You have no legal reason to object to my requests. You have verified my social security # with the XXXX and you have my permission to verify my social with TDCJ or Texas Department Of Criminal Justice. My XXXX ID with my XXXX # and DOB is sufficient. Im serving a XXXX XXXX and what youre doing is criminal. If youll deny an attorney for frivolous reasons I must have the courts make an example out of you Navy Federal. You cant AT WILL freeze accounts, destroy credit, destroy lives, destroy businesses and face no consequences. Youve taken no steps in none of the 4 complaints I filed with the Consumer Financial Protection Bureau because if you had youve been able to verify the POAs are valid and there is no FRAUD. You keep closing cases file against you with the following words potential fraud whats the fraud? XXXX XXXX verified the wire they sent to me in XXXX and when I reached out to their wire department on XX/XX/XXXX the same day the 2nd complaint was closed due to fraud and they agreed to help me. XXXX XXXX sent me proof they replied to your ( Navy Federals ) service message on XX/XX/XXXX and they sent a new service message to Navy Federal Credit Union wire department advising them the funds are rightfully mines and that the wire sent in XXXX is for a real estate deal. Navy Federal wire department responded and said the wire has been credited and if beneficiary has any additional questions to please contact them XXXX XXXX XXXX at XXXX XXXX was confident that this will help us get our funds. A bank cant just freeze someones account and destroy lives without giving a legal reason. Even if a SAR ( Suspicious activity report ) was filed that average investigation is normally completed around 72 days. It has been over 6 months and weve been going around in circles. We want off this merry go round and we want Navy Federal to be held accountable for the damages they have caused. So a generic response of potential fraud wont work. How can it be fraud when the bank is verifying the wire is rightfully mines? Finally Ive attached proof that Navy Federals hold times for security is anywhere from 2 hours to 5 hours long. It is impossible for any XXXX to hold on a call for hours when each call is only 30 minutes at a time. If only a phone call to security could fix this why didnt I just have my male brother call pretending to be me? BECAUSE THAT WOULD BE FRAUD. I wrote to Navy Federal customer resolution department, security department directly from XXXX as well as to XXXX XXXX the bank XXXX in XXXX on XXXX XXXX advising I authorize all transactions on the account from XX/XX/XXXX to XX/XX/XXXX and to requested them to remove the credit only restriction from my accounts. I was advised to sign the letter three times and this would removed the restriction. Weve done everything possible and Navy Federal has continue to ignore our cries for help. There has to be someone who can make you release our money. The XXXX referred me to CFPB and the CFPB referred me to a XXXX # thats disconnected. Ive attached a copy of the response from Navy Federal as well as CFPBs referral with a disconnected number. Someone help us please. I wonder how many other family lives has been destroyed by Navy Federal illegally refusing to honor valid POA. This final POA submission will include authentication ( XXXX ) through the Texas Secretary of State. It will also be recorded with XXXX XXXX and XXXX XXXX. Previous CFPB complaints are XXXX, XXXX. The instructions the CFPB gave me is attached but this phone number has been disconnected for months. So the agency set up to help me with Navy Federal is giving me information that lead me nowhere. The inaccurate information CFPB gave me states. The XXXX XXXX XXXX set up the XXXX XXXX XXXX XXXX The disconnected number they listed is XXXX XXXX. I pray in the name of XXXX to finally receive assistance with the horrors thats destroying my life. We had 90 days to register the XXXX XXXX that Navy Federal finance but was unable to do that because the bank account was frozen. The car title has been attached as proof the vehicle was purchased. | ||||||
| 05/15/2019 | Yes |
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Web | Servicemember |
| My name is XXXX XXXX I was the Plaintiff in the divorce proceedings that led to the controversial property disputes, I have been a member of the Credit Union since XXXX, about 11 years ago while I was in the United States XXXX XXXX XXXX in XXXX XXXX XXXX. I got married in XXXX and I took my wife to join Navy Federal Credit Union through my access number and she became a member. We got a conventional loan in my ex-wife 's name for XXXX at about 5.5 % and both TITLE AND DEED in both of pour names as joint owners of the property. Shortly after that by XX/XX/XXXX we got a divorce and the court initially ordered that we sell the marital home and divide the proceeds into two then subsequently we entered into an agreement in a consent order that I should remain in the house and refinance the house by taking my ex-wife names out of the loan with a buy out option with Navy Federal. By XX/XX/XXXX, I advised the Defendant that per the court 's order, The house needs to be put in the market for sale and that she needs to move out of the property so that we can sell it immediately. The Defendant refused and threatened if I come to the property she would call the police. I made my way to the property and started getting it ready for sale. In the process, about four policemen came to me and asked what I was doing at the house and I responded that the property belonged to me and they asked if I have any proof then I presented the deed and title of ownership. The police apologized to me that they had received a false alarm from the Defendant of breaking and entry. The police advised her that a homeowner can not break into his own home by law and there is no law against stealing or destroying what belongs to you. Just as I was getting the home ready for sale, in XX/XX/XXXX, the frigid weather caused the pipes in the house to burst and the house became flooded. It took me several months to put the house together with the help of XXXX XXXX insurance company. At that time the Defendant did not bother to seek a trustee sale of the property as she was not living in there and never participated in the months of repairs, I did on the house. I spent months repairing the house alone all by myself with no helps from no one including the defendant. Later in XXXX, we put the house back on the market for sale after I have fixed it, then again in early XX/XX/XXXX the house got damaged again with an ICE RAIN clogged on the roof and penetrated the dry walls then I had to do the same thing again to fix the house alone with the help of the insurance company. In XX/XX/XXXX, while I was living in the house and repairing the house from the damaged by flooding, I was getting ready for work as a XXXX XXXX XXXX for the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in the early hours of XX/XX/XXXX I got hit by a drunk driver ( photo of the accident attached ) and I officially became a XXXX Veteran of the United States XXXX while still struggling to sell my house in order to move on from the heavily contested divorce with XXXX minor children. The subsequent order that gave Plaintiff the right to refinance the home and buy out the Defendant became the only feasible alternative considering Plaintiff 's XXXX STATUS and ONLY ONE WHO KEPT THE HOME AND REPAIRED WHEN DAMAGED since it would be harder for him to get a new loan but better keep what he already owned by simple FHA refinance with a buy out of the Defendant which solved the whole disputes and problems. I applied for FHA loan in XXXX and XXXX XXXX, Navy Federal Credit Union Staff with NMLS # XXXX was applied as Mortgage Processor and my application was denied stating that I did not have/meet the required minimum credit score of XXXX. In XX/XX/XXXX again I applied for the same FHA refinance loan with a buy out option, Navy Federal Credit Union denied the refinance again despite a new credit score of above 650 because I had paid credit repair services and have help removed derogatory accounts and paid off balances to make my credit score qualify for FHA refinance. Because Navy Federal had taken advantage of the dispute between the parties and in favor of the earlier court order that says the house should be sold instead of the second order that says the Plaintiff should refinance and removed the Defendant 's name from the loan with a buy out option. Navy Federal Denied Plaintiff 's FHA loan and opted for trustee sales of the house which led to the Plaintiff being a forced out of the house with all his personal belongings out on the streets and driveway and were all stolen by the neighbors. Navy Federal 's egregious and greedy conduct because of their financial gains rendered XXXX XXXX VET Plaintiff homeless with his XXXX children as we speak with all his personal belongings stolen and destroyed. Navy Federal has a copy of the court orders first and second and copies of the deed of recording and title of ownership. Navy Federal Credit Union was aware of Plaintiff 's fixing the house exclusively without any bits of help or cooperation from the Defendant. Navy Federal was aware of Plaintiff making mortgage payments on the loans despite his name not on the loan. Yet this ruthless credit union wilfully and maliciously sold his home and rendered him homeless while disable. The controversial consent order is currently being clarified by the circuit court in XXXX XXXX and it clarifications will show that Navy Federal acted with malice and in complete disregards of Plaintiff 's constitutional rights including the right to ownership of the property and to be safe in his home with his properties. The clarification will also show that the trustee committed fraud, an extrinsic fraud that legally guarantees the CANCELATION of the sales and voids the ratifications of the contract, a type of fraud that is above common irregularities or mistakes. In any event, Plaintiff maintains the trustee 's conduct and Navy Federal 's conduct led to Plaintiff becoming homeless as he has no way of controlling what happened to him or the reasons why he became XXXX while his properties sold without him being given not even a single penny from the proceeds and his personal belongings were vandalized and stolen completely. The order was acted upon to the contrast and also was misinterpreted completely to suit their own financial profits and rendered an innocent man homeless with his children. | ||||||
| 02/20/2018 | Yes |
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Web | Servicemember |
| The Loan Estimate and information on the Loan Estimate was not disclosed in a clear and conspicuous manner. NFCU provided false information that I based financial decisions on. I did not know the correct terms of my loan until it was too late to change loan terms or companies. Loan officer, XXXX XXXX, and I agreed over the phone on XX/XX/XXXX, to lock my loan of {$690000.00} on the day 's rate of 3.75 % and a {$7700.00} lender credit. On XX/XX/XXXX, after discovering the loan documents in my husband 's NFCU account, I noticed the rate was documented as 3.625 % with no lender credit. After bringing this inconsistency to NFCU 's attention through email, I was asked to call XXXX. He said that I could take the higher rate of 3.75 % for a lender credit of {$6000.00}. I said that is not what he told me : he told me he was locking in a 3.75 % interest rate and a lender credit of {$7700.00}. He explained that he said I would have a " {$7700.00} '' after calculating it for a loan of {$800000.00}, which was my pre-approval number. It is well documented that we were talking about a loan of about $ XXXX {$690000.00}, never anything higher as we already were under a sales contract for our home. Additionally, the sales contract - which confirmed this price- was sent before the rate and lender credit lock. XXXX said he should have called me when he noticed the lender credit was less than what he said it would be. He offered his boss 's information and said that he [ XXXX ] could not do anything about the money lost, but his boss [ XXXX XXXX, DC Metro Regional Manager ] potentially could. NFCU employees provided 3 conflicting stories in explanation : 1 ) XX/XX/XXXX, conversation with XXXX : A lender credit of {$7700.00} was promised to me after calculating a lender credit for our pre-approval amount of {$800000.00}. I should have been notified when the amount was less. I could call XXXX to discuss this and potentially receive the amount agreed to : {$7700.00}. 2 ) XX/XX/XXXX, conversation with XXXX : XXXX said that the lender credit ( {$7700.00} ) was based off of my " pre-approval '' number of {$960000.00}, because it was the only number given to XXXX to calculate the rate and lender credit. [ I explained that I provided XXXX the purchase price prior to him providing that lender credit information, and that he must have made a typo : the first two digits in that number, if switched, would be the home 's original contract price of {$690000.00}. ] XXXX maintained that I do not understand how rates and lender credits are locked, which was the problem, and that nothing can be done regardless of what XXXX told me. ( As follow-up to the call, I requested XXXX put his response in email ; he did not. Additionally, I asked to see a document that shows my preapproval number of {$960000.00}, to which XXXX sent the attached document. I would not be able to afford a house of {$960000.00} and the other pre-approvals I received came in much less. ) 3 ) XX/XX/XXXX, conversation with XXXX XXXX customer service ) : XXXX recounted that XXXX explained to her that I asked for {$7700.00}, and he said he could potentially do that for a larger loan. [ I explained that I was always talking about a loan of about {$690000.00} and did ask for a specific lender credit amount ; {$7700.00} was the number he provided for locking in that day on my loan. ] XXXX offered {$520.00} to cover the cost of the home inspection. I said I was going to file a complaint because of the disregard for the truth I experienced, to which XXXX explained that NFCU could no longer offer to cover the inspection cost. ADDITIONAL HISTORY : When I did not receive an email or document confirming the lock, I emailed XXXX asking to confirm 3.75 % and {$7700.00}, to which I did not get a reply. He did leave a voicemail confirming I was locked in, and I had no reason to think it would be at any other terms than what we had agreed on. I lost negotiating power with other lenders because a {$7700.00} lender credit could not be beat, and I canceled my other locks based off this number. I asked XXXX to see closing costs multiple times and either did not get a response or I was told I would get them later in the process. The Loan Estimate was uploaded to my husband 's NFCU bank account within 3 business days, but I did not access the documents because NFCU always communicated and exchanged documents through email as attachments, so it appeared that the important documents were shared through email. Additionally, NFCU could see that we did not log in to the area that held our Loan Estimate. It was clear I did not receive the Loan Estimate based on my questions. The Loan Estimate was not presented clearly and conspicuously, and I detrimentally trusted what was communicated to me person-to-person. __________________________________________________________________ It can not be reasonably assumed that the general population knows what a Loan Estimate is and something that is required as a protection to them. If it is not provided clearly and conspicuously, the default is to trust what was disclosed to you through other communication or to simply not have the needed information. " Providing a Loan Estimate '' can be used to the detriment of the client. NFCU will say it " provided '' the Loan Estimate and argue that it was provided " clearly and conspicuously, '' which it was not. Additionally, the Loan Estimate should not conflict the information that was provided to me very clearly and conspicuously over the phone. When it is clear that I do not have the information on the Loan estimate, after I asked XXXX to confirm the information of the loan in email, and then asked for the information of the closing costs through email and phone, it proves that the Loan Estimate was not provided clearly and conspicuously. The loan company can use the Loan Estimate as protection that it has disclosed the necessary terms, even if the loan company has told the client conflicting information or not provided answers to the needed information, like in my experience. People may take the word of the loan company rather than ask for a document that they do not know exists. Additionally, my loan officer and his boss preferred to communicate through cell phones. Calls on NFCU landline are recorded, unlike their cell phones. Customer service was unable to pull the calls I had with XXXX and XXXX. | ||||||
| 05/15/2019 | Yes |
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Web | Servicemember |
| We recently applied for a Department of Veteran Affairs ( VA ) Cash-Out refinance mortgage loan with Navy Federal Credit Union ( NFCU ), Application Loan # XXXX, NFCU ID # XXXX. We chose Navy Federal because of your very competitive rates and reputation with military families. However, our application was very poorly handled. We incurred wasted time, money and were overall very frustrated with the inconsistent or incorrect guidance that we received. Furthermore, we received a credit denial letter after we had withdrawn our application. We submitted our initial application in mid-XX/XX/XXXX with the expectation of mid-XX/XX/XXXX approval/funding. We had purchased the home using a {$250000.00} Family Loan Agreement dated XX/XX/XXXX. Our assigned Navy Federal representative, Ms. XXXX XXXX, advised us that we met the requirement for the loan to be in place for 180 days after the title transfer ( XX/XX/XXXX ) in order to be refinanced by the VA. In early XX/XX/XXXX we were advised by Ms. XXXX that a lien was required to be filed with the local county. Per Tennessee XXXX County requirements, the document was signed and notarized on XX/XX/XXXX. After completing this request, we paid {$550.00} in mid-March for the requested assessment and termite inspection. In late XX/XX/XXXX, just a few weeks before our closing date ( XX/XX/XXXX ), we were informed by Ms. XXXX that the underwriters viewed our loan as commencing when we filed it with XXXX County. Therefore, they returned the loan because our existing personal family loan did not meet the VA seasoning requirement. No further details, explanation or apologies were given. Through our phone calls to the VA and researching the VA circular policy updates ( specifically Circular 26-18-30 ), we ascertained that a VA Cash-Out refinance loan requires the existing loan to have 210 days of seasoning ( vice 180 days as stated by Ms. XXXX ), commencing with the first payment on the existing loan. The regional VA office and another lender we contacted confirmed this understanding and advised us that our seasoning period began with the first payment on the original loan in XX/XX/XXXX. This differed from the Navy Federal interpretation that the seasoning started with the first payment on the amended loan in XX/XX/XXXX. Although I disagree with the Navy Federal interpretation, I understand that this is the lenders prerogative. In either case, the seasoning period would extend our closing date months beyond the original mid-XX/XX/XXXX closing date given. We were given the option to convert our application to a traditional loan, but declined in favor of applying for a VA loan at a later date or paying of the personal family loan with our savings. We therefore elected to withdraw our application and communicated this to our representative, Ms. XXXX. In light of the withdrawal, we were shocked to receive, on XX/XX/XXXX, a Statement of Credit Denial, Termination or Change from Navy Federal with the description of action taken as credit denial. The cited principal reasons were Value or Type of Collateral not Sufficient and NFCU does not grant credit under the terms requested. We have several serious concerns about how this loan application was handled : Since the required 210-day seasoning period is very clearly defined in VA Circular 26-18-30, we should have been made aware of that when we applied for the loan. NFCU advertises that Navy Federal Credit Union 's staff of trained mortgage professionals is here every step of the way to guide you through the ( mortgage ) process. The fact that the loan application was continued for nearly 45 days with no chance of approval by the agreed upon closing date is clearly a grave oversight and shows a lack of expertise. The Statement of Credit Denial we received on XX/XX/XXXX is not accurate. Upon fully grasping the situation due to my own independent research, we requested that the loan application be withdrawn. A credit denial was never discussed with us and was not required since we withdrew our application. The fact that our loan application was initiated and continued due to NFCUs poor counsel and gross ignorance of clearly documented VA policy incurred damages to us. We paid {$550.00} for a home assessment and termite inspection the week prior to withdrawing the loan because we were not made aware of the 210 day seasoning that would not even start until XX/XX/XXXX, per Navy Federals interpretation. If we decide to re-apply for a VA Cash-Out loan this fall, we will have to pay for a new assessment and termite inspection. We paid {$290.00} to XXXX County to register our personal family loan and {$15.00} to notarize it. If we decide to pay off our personal family loan with our savings, this money was wasted. The Statement of Credit Denial may be viewed as adverse information on our credit history and would impact our ability to obtain financing or receive the most competitive rates. In speaking with Ms. XXXX XXXX after receiving the statement, she referred to it as an adverse letter. Expecting a mid XX/XX/XXXX loan approval, we delayed renovations to our home that are important to the livability of this house. We spent many fruitless hours completing our application forms and gathering requested documents. We have addressed the credit denial issue with our loan representative Ms. XXXX XXXX on Friday XX/XX/XXXX at XXXX and she said she would forward the issue to her supervisor Ms. XXXX XXXX. We were promised that we would receive an answer within 24 hours. We never received a response. On XX/XX/XXXX, we submitted a letter to the President and CEO of Navy Federal Credit Union explaining the above. We requested the following remediation by XX/XX/XXXX : 1. Navy Federal Credit Union rescind the Statement of Credit Denial, Termination and Change for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 2. Navy Federal Credit Union send a confirmation letter that clearly states that the previously sent Statement of Credit Denial was in error and is withdrawn. 3. Navy Federal Credit Union send a letter of apology to us ( XXXX and XXXX XXXX ) and our personal family lender ( Mr. XXXX XXXX ) for the extended waste of time and resources in pursuing this loan. We received a confirmation letter from Navy Federal that the letter was received, but nothing else in the past 30 Thank you for your time and attention in rectifying these problems. | ||||||
| 07/17/2017 | Yes |
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Web | Older American, Servicemember |
| On or about XX/XX/XXXX , I took out a personal loan with Navy Federal Credit Union. In addition, I purchased a payment protection plan. It is referred to by Navy Federal as P3 coverage. ( See Promissory Note ) Sometime within the next six months, after the commencement of the loan, I was unable to make my payments and found out Navy Federal did not submit a claim on my behalf to cover my inability to make the monthly payments. At the time of issue there was a constant back and forth with Navy Federal about filing the claim, they just refused to file a claim for the P3 coverage. I never understood their position then or now. Time passed and I just moved on. I was no longer contacted about the loan, so I thought it was settled. On or about XX/XX/XXXX , I attempted to take out an auto loan at Navy Federal Credit Union. I was told inside the bank that I defaulted on a previous loan and that Navy Federal will continue my checking account but will never do a loan for me ever again. I became quite annoyed by the idea that I was responsible for a defaulted loan when I knew and remembered the situation was out of my control at the time. As instructed by Navy Federal I contacted the Loan servicing department at Navy Federal, and went over the entire events of the defaulted loan. As discussed, Navy Federal sent me copies of my promissory note, a payment timeline for me to review. I was told at the time to write to Navy Federal Credit Union. XXXX XXXX XXXX , XXXX , VA XXXX to further make a complaint. In the meantime, on or about XX/XX/XXXX , I went back to the bank with my mother to see if they would do the loan in her name only. We both remember that we were treated horribly that day. I know we came close to XXXX which is the bank closing. Although, we were outside, it was storming and I needed to bring my elderly mother inside, so it was almost XXXX when we finally got inside. The reason this is relevant is because were treated horribly. The discussion ranged from. " you know you could do this over the phone or online. '' and if we are closing now you should just do this online. I had misplaced my mother 's FL ID, and was told we cant help you, and they wanted us to leave. I then asked, " since we came all this way can you just help us. One lady said, if someone here can vouch that you are a customer we may be able to help you. She left the office and came back and said, " No, we will not be able to help you. '' There was an unpleasant exchange because, another employee stated, even though she may know you from before, you have n't banked here long enough for her to vouch for you. Given who I am, I did not let it go because she was acknowledging she remembered us. But would not vouch for us, if she does not want too ( at this point it was very rude ). She did not want to accommodate us and proceeded to say it was because, " the privilege of not having ID with you, was reserved for long time members. I made a remark about them discriminating against us and we left. They were mean toward us and It was continuous, and it started when we came in and no one seemed to want to help us. The next day, we did what they suggested, and reapplied in my mother 's name only, but she was denied, ( See ltr. Attached ). I then restarted my investigation into my defaulted loan. On or about, XX/XX/XXXX , upon speaking with, Consumer loan servicing, Supervisor XXXX , she spent an hour on the phone with me from XXXX - XXXX , discovering what happened with the defaulted loan. She was very interested in helping resolve the issue. We did a 3-way call together and called XXXX XXXX . She heard them say it was Navy Federal 's responsibility to have filed the claim in question. I was given an email to contact XXXX , as we agreed, to have a letter to support the conversation sent to me. ( XXXX ). I sent the email and inquired with XXXX XXXX , the P3 insurer, about sending me a letter. On Monday, XX/XX/XXXX , the contact at XXXX XXXX , XXXX XXXX , confirmed that a claim was never filed with them by Navy Federal. XXXX XXXX further stated the onus for making a claim was on Navy Federal and they neglected to file one. She researched the issue and found no claim was ever filed. The same day she agreed to send me a letter with an overview of our discussion. No letter was received and she has been unable to contact since the conversation on XX/XX/XXXX . On the same day, almost fifteen minutes after, XXXX XXXX called me, XXXX , Navy Federal Supervisor, called me. She said, she believed me in what happened and would send me a copy of the P3 agreement, but there was nothing more she could do to help me. ( although she did call and follow-up as she said she would, the conversation was cold and abrupt. ) Again, I was frustrated, when I heard an acknowledgement of fault and no desire to take responsibility for what happened. I said to XXXX , You know I could file a claim, because a Federal employee made the mistake and it falls under the FTCA ( Federal Tort Claims Act ). There was negligence by a Federal employee, that adversely impacted me, and a formal complaint could be filed. I believe a culmination of these events caused a retaliatory filing of the complaint to Adult Protective Services . The worker claims on XX/XX/XXXX , she received a complaint of exploitation and that my mother has XXXX and does not know what she is doing etc. On XX/XX/XXXX , the investigator showed up at the home of XXXX . The investigator was told that XXXX XXXX was not home. When I saw the investigator on XX/XX/XXXX , I then asked the investigator why the force and aggression the other day and she told me, I knew someone was inside and I had to see your mother. XXXX XXXX ( XX/XX/XXXX Sheriff 's Office ) cars were outside the house and tried to get in banging on the windows and doors. It was extremely aggressive. I asked if she thought my mother was being murdered. She said, Im just doing my job. The investigator commented, " why are you making them service you if they do n't want to, just go somewhere else. '' Navy Federal filed a complaint that XXXX XXXX was being exploited by her daughter and now a bad situation has escalated into an investigation by Adult Protective Services which is clearly by the chain of events retaliatory in nature. | ||||||
| 03/12/2019 | Yes |
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Web | |
| I purchased my home in XXXX of XXXX. A big deal, as I am the first person in my family, and the first in three generations to ever own a home. Since the very beginning, I have always paid my mort/gage on time until around XXXX of XXXX. Around XX/XX/XXXX I was authenticating a wire transfer to pay my mortgage, and as I was doing so, the Navy Federal Member service rep mentioned to me that I should take advantage of their bill pay system. I was intrigued because, as the representative assured me, it was a seamless process, free and once I set it up I wouldnt have to worry about it because they would mail my mortgage company a check by the specified date once a month. I asked the rep what all I needed to begin the process. While she was on the phone with me, she assisted me in setting up my bill pay account to start in XXXX of XXXX, this way I knew I had all of the info required for successful payment. I even called XXXX XXXX on the other line to confirm I had all the correct info to for the check payments. Come XXXX, feeling a little anxious I kept my eyes on my account to be sure my mortgage payment was withdrawn. Once the date it was supposed to be there passed, I called Navy Federal to figure out why it hadnt been processed. The rep informed me that the check had been mailed and they were not sure what was going on. They instructed me to call XXXX XXXX to see if they received anything. I called XXXX XXXX, and they informed me that they never received the check. At this point, I am annoyed. I put XXXX XXXX and Navy Federal on three-way for the two to figure out what was going on. I even requested Navy Federal to Fax XXXX XXXX the confirmation that the check had been mailed. Unbeknownst to me, We learned that the XXXX XXXX representative whom I requested info from during the setup phase had given us, Myself and Navy Federal, the wrong address. The rep gave us the wiring mailing address, and I am not sure why they would do that as she knew I had previously been wiring my mortgage payments and wanted to start mailing checks. I asked the XXXX XXXX rep if I would be at fault for their mistake and their response provided me with no real confidence in resolving the issue. I was frustrated because, now, I am considered late on my mortgage payment. However, once we were able to get the correct info, I also learned that, from the Navy Fed Rep, even if the check would have arrived XXXX XXXX wouldnt have been able to process it because the way the check was printed it put the name of the recipient in the wrong place. I am not sure what this means, but it just added fuel the fire. At this time, the XXXX XXXX and Navy Fed reps were able to clear things up. I ended up paying my mortgage via wire, which was waived by Navy Federal, for this month because I was already late so I had to pay it asap. Round 2, now that we had the correct information I tried bill pay again for XXXX mortgage payment. After having a rough experience, the first time I kept an even closer eye on the payment. It was late XXXX when I realized XXXX XXXX hadn't processed the payment. I called Navy Fed to investigate the issue, and they informed me that the check had been mailed. I then called XXXX XXXX to check and see if they ever received the payment. Sadly, they reported to me that they did not. I called Navy Fed back to see what was going on and they werent sure. They also mentioned that might be due to the holiday schedule and that carriers may be backed up. At this point, I felt defenseless. I even got a letter from XXXX XXXX warning me of them potentially defaulting on my loan. As I mentioned, I am the first in three generations ever to own a home, so you can imagine what it would do to me for me to lose my house. I wasnt sure what to do and what rights I had because everyone from XXXX XXXX to Navy Federal all made me feel as if this was all my fault. I even reached out to a buddy of mine, XXXX XXXX, who use to work for CFPB for advice. At this point, I just wanted it to all be over. I called Navy Federal to cancel the check, and that I would pay via wire, again, they waived the wire fee. Eventually, I was able to get all caught up. XXXX XXXX later informed me via phone that if your payments were late the payments you submitted did not apply to that month but to the month it was late so I didnt realize that all the amounts I was sending via wire applied to the previous month. The first week of XXXX I paid everything I owed including the late fees. Once everything was in the clear, I felt a huge sigh of relief, and from then on, I paid my mortgage via wire and told Navy Fed to remove my info from their bill pay. Two months later, I reached out to my lender to get pre-approved for another home loan. I did not realize that I now have three months of late mortgage payments on my credit. I didnt understand how that experience assassinated my credit history. I called XXXX XXXX to confirm that I had three months of late fees. Luckily, They mentioned that I only have two ( XXXX and XXXX ) I need to reconcile with the credit bureau the third one. However, I informed my lender of the situation, and by the grace of XXXX, he informed me of my rights and how the CFPB can assist me in fixing this issue. He suggested I first call Navy Federal and see what they had to say. I called them and informed them of the situation, and their response is what drove me to write this complaint. They told me that their bill pay system is run by XXXX XXXX which is a third-party vendor and that I should call them. I felt as if I had been shuffled and I rather not chase folks around to resolve this issue. Now I am stuck, throughout the whole process I felt abused and taken advantage of. I even considered bringing in legal counsel, but I cant afford that and feel as if I have no real rights. Status Update XX/XX/XXXX : Before submitting this complaint, I reached out to XXXX XXXX to, hopefully, reconcile this issue. After discussing the situation with their representative, they played back the call I had with the original rep who gave me the wrong information and agreed with me that the information was incorrect. However, the credit reportings are correct because the payment I made was for the previous month and not the current month. I was never informed that I was behind schedule and if I were, I would have paid all that was owed. | ||||||
| 10/26/2017 | Yes |
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Web | |
| Complaint # XXXX was not addressed at all in Navy Federal 's XX/XX/XXXX response. What NFCU did was blocked out the bottom half of my complaint and just address the top introduction. XXXX is CONNIVING and SLICK. They need to be severely monitored on a monthly basis. Here I am today still trying to get some help and relief from this credit union giant. Navy Federal is charging me an astronomical amount of interest on a debt Ive been trying to rectify for 9 years. I defaulted on a loan in XX/XX/XXXX and it was sent to collections. In XX/XX/XXXX. I was able to get on a payment plan to pay a little over 14K and have been paying faithfully to this day. In XX/XX/XXXX, I called and requested my balance and pay off information and was sent aXXXX balance. I then sent a letter inquiring how they came up with this figure and was told in their reply that in my court drawn agreement it states the balance of XXXX shall be paid in full with interest at the contract rate. Therefore cumulating an unknown daily, monthly and or yearly interest rate of 12 %. The discrepancy here is that the court agreement does not state per annum or any other monthly or daily term, so this is falsely applying inaccurate interest to my debt. Meanwhile in a later response to my CFPB compliant they state that Navy Federal charges daily interest on my unpaid loan balance. The discrepancy here is the agreement does not state that either. This is also falsely applying inaccurate interest and a discrepancy, therefore price gouging my debt. If the court agreement is supposed to be 12 % per annum then why am I being charged daily interest as well ( Please see CFPB complaint response and court agreement ) In the letter dated XX/XX/XXXX, the attorney states, your monthly payment are still far less than the original payments you agreed to in the promissory note, the large amount of interest on your account is due to a combination of your relatively small monthly payments and the long period of time during which you were not making payments. Moreover, NFCU and their attorney has never sent any statements, receipts or invoices of payments made, which should also indicate the interest that was accruing. There is a variation of ways that theyre charging interest to my account, which is erroneously charging me interest all types of ways. None of above underlined are in the court agreement. If this is a charged off account why does NFCU still have this 9 years old defaulted account on their books and in their systems and dont send out statements or invoices. NFCU and their attorney can see the date and amount of every payment Ive ever sent in and yet they dont send statements to me to let me know my payment was received. If I had been receiving invoices I would have known long ago I was bring charged extremely high and erroneous interest and I still dont know how theyre calculating it. The account balance that was sent to collections was {$14000.00}. I have made {$14000.00} XXXX dollars in payments since that written agreement. In XX/XX/XXXX, I called the firm to request an account balance. They sent me a whopping balance of {$19000.00}. This balance can not be right. In the agreement it states, the balance of {$14000.00} shall be paid in full with interest at the contract rate. The contract rate is 12 % and since the contract doesnt state contract rate per annum it shouldnt be applied, thats not fair. The collections balance of {$14000.00} times 12 % is not the now XXXX. The written agreement does not state any terms or expiration. Im seeking a full adjustment in the amount {$1600.00} My formula XXXX x 12 % = XXXX + XXXX = XXXX - XXXX = XXXX Im asking the following questions. They havent provided me with any answers to my questions, which are listed below : How much can we come up with to close this account out with consideration of XXXX already paid? What would my monthly payments need to be to eliminate the daily, monthly or yearly interest? Can you send me the Navy Federal terms in which it states or underline in the court agreement where my debt is accruing daily interest on the grounds of me making relatively small monthly payments and the long period of time in which I was not making payments. Please send me this information. Can you mark in the court agreement where its states that since my payments are far less than the original payments I agreed to in the promissory note that all my payments are interest payments? Please send supporting documentation. Have I ever been late or missed a payment? If so, please send supporting documentation. Can you send me any supporting documentation in which it states that the original contract is still in effect alongside the court drawn agreement until paid? The latter drawn agreement supersedes the original, correct? How am I to interpret the statement the balance of {$14000.00} shall be paid in full with interest at the contract rate to mean daily, yearly and or monthly interest? The court agreement does not state interest per annum, thats a discrepancy nor does it indicate at the interest rate terms of the original agreement, thats a discrepancy as well. Its like you know and Im supposed to figure out thats what it meant. XXXX x 12 % is only an additional XXXX. How am I to interpret the statement Defendant agrees and Plaintiff accepts payments of {$100.00} per monthfor 12 months thereafter payments shall increase by {$25.00} per year to mean if my payments arent at least equal to my original contract payments then all my payments are interest? ( all 14k plus is interest ). This is a discrepancy. Its hidden or made up as we go a long and I was never made aware of this until XX/XX/XXXX. This is wrongful doing! Do you see how unfair and one sided this is in my sight? This is why Im writing to just put yourself in my shoes for a moment. What would you do if you were me? How would you feel? How would you handle this if you were me? What would you recommend that I do? If this were you how would you want to be handled or treated? All I have ever did was try and pay what I owe and have done that and thats not enough for you. Why? The resolution I am seeking is relief from this interest and to close this collections account permanently, at best offer and resolution I still owe a balance of {$1600.00}. Thank you for your consideration. XXXX XXXX | ||||||
| 07/17/2023 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Navy Federal Credit Union, This letter is regarding account # XXXX which you claim I owe {$50000.00}. Be advised that this is a formal notice that your claim is disputed. Debt Validation and proof of your claim is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692. It is not now, nor has it ever been my intention to avoid paying any obligation that I might lawfully owe, however I dont remember having entered into a promissory with Navy Federal Credit Union or any agent thereof. I have asked for this alleged transaction to be reversed in accordance with the Truth in Lneding Act, 15 USC 1635. My request was refused by Navy Federal Credit Union without reason, yet you report monthly to credit agencies without a signed promissory. That alone constitues multipe violations to the Fair Credit Reporting Act, Fair Debt Collection Act, and Truth In Lending Act. During validation this validation process the finding have been surprising. In connection to 3 different validation request Navy Federal mailed me promissory notes without my signature/blank siganture. Navy Federal Credit Union has no promissory note that holds my wet signature. Pursuant 34 CFR 674.31 Promissory Note ( 2 ) ( A ) The note requires the signature of the borrower on each page, in order to validate obligation to debt. I demand a copy of the alledged promissory note, with my signature. Navy Federal Credit Union has openly and knowingly supplied me the consumer with false and misleading documentary evidence in an effort to coerce payment on an alleged debt. A promissory note without my wet signature means Navy Federal Credit Union stole my identity and my credit worth {$48000.00}. You were able to do so becuase of the with identity documents I provided to you, the document in question would be my social security number. Navy Federal Union acted as an agent on my part in this matter. You went to my trust with the United States goverment and opened a loan in my name. Then opened another account with in your financial instistution. Without my permission that clearly violates 18 USC 1028 Fraud and related activity in connection with identificaton documents authentication features and information and 18 USC 1028A Aggravted identity theft. Also, youve ignored the 12 notarized affidavits, Ive mailed certified. Those affidavits directly addressed the Truth in Lending Act violations and inadequet disclosures that are found in the promissory note. I still have every notarized copy of the affidavits I mailed you. Navy Federal Credit Union youve stolen my credit and my identity, pursusant 15 USC 1028A. Then proceeded to commit fraud with my social security number, pursuant 18 USC 1028 Fraud and related activity in connection with identificatiion documents, authentication features, and information. It is clear and evident that you have never had any intention of following your fiduciary duties connected to this matter. At this time the alleged debt reads charged off on my consumer report. The IRS Defines a charge off as gross or ordinary income it is cancelled debt. Income is to never be reported on a consumer report. That to is a blatant violation of the Fair Credit Reporting Act, 15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies, you are required to report fair and accurate information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Remove your name and all negative marks from consumer report immediately. The Internal Revenue Service defines a charge-off/1099C as gross or ordinary income, income does not get reported on a consumer report. So why is Navy Federal Credit Union reporting inaccurate information. Remove yourselves and all inaccurate information from my consumer report. 15 USC 1681c Requirements relating to information contained in consumer reports forbids you from reporting any adverse information or any information placed in collections or charged off to profit. So its very obvious that you are trying to 1. Extort a payment 2. Destroy my character as a consumer. 3. Youve commited identity theft pursuant to 18 USC 1028A. Navy Federal Credit Union, I am sure you can not show a promissory note, bearing my signature. I repeatedly demand a signed promissory note. Please send me all documentary eveidnce pursuant 15 USC 44, connected to this alledged debt, documentary evidence includes books of accounting, financial and corporate records to validate this alledged debt. I am yet AGAIN requesting debt validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you and any and all documentary evidence pursuant to 15 USC 44, that includes all documents, papers, correspondence, books of account, and financial and corporate records. Validation will quickly be verification that the truth regarding this matter has be intentionally hidden and ignore. I have sufficent evidence you have violated federal consumer laws, stole my credit, attempted to destroy my character as a consumer, and cause me mental stress. Respond within 15 days of receipt of this certified letter with the following. My vehicle title free of any liens, I am NOT asking for a xeroxed copy, you stole my identity, and $ XXXX in credit from me the natural person/consumer. Completely remove your name and all neatigative remarks from my consumer reports. Pursuant 15 USC 6821 Privacy protection for a customer information of financial institutions ( a ) ( 2 ) Privacy protection for custoner information of finnacial institutions, you were never legally allowed to report any of my financial information because its deemed private according to federal consumer law. Remove Navy Federal Credit Union from my consumer report. Navy Federal Credit Union you have shown terrible character the last 24 months. Please end this matter with the honesty and professionalism you make claim too. XXXX XXXX XXXX Without Prejudice | ||||||
| 03/02/2023 | Yes |
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| On or around XX/XX/XXXX I received a message from the email portal regarding my everyday checking account at XXXX XXXX ending in XXXX that stated there was an item in the amount of {$160000.00} that was returned due to insufficient funds. I had never had an insufficient funds notice for my account because I have alway managed it correctly. I called the bank to try to get an understanding of why I was receiving this notice. I spoke with a bank representative who indicated that the amount in question was from a life insurance company called XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX of the XXXX XXXX ). Immediately I told her I do not have a policy with that company. She asked me if I was sure I didn't have a policy with that company because upon her review of my account, she saw that there were charges in the amount of {$1600.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the present month XX/XX/XXXX. These charges collectively totaled {$8000.00}. I told her I had no knowledge of any authorized charges by me for any insurance policy of any kind. I asked her to transfer me to the fraud department to file a complaint. She transferred me to the department I requested. I spoke with a gentleman who listened to my complaint and helped me navigate a way to fix the issue. He closed the above-noted account and opened a NEW everyday checking account ending account. He moved the remaining money into the new account and left the old account open because there were some pending deposits that were scheduled to come through the account. He advised I update any automatic deposits as soon as possible in order to avoid any future issues with receiving deposits to the old account. He then initiated a dispute for all of the charges that totaled {$8000.00} for the life insurance unauthorized charges. He then issued me a provisionary credit and advised that there would be an investigation into the amounts in question and that if the charges were authorized the credit that was provisioned would be reversed. On or about XX/XX/XXXX, I received another notice from the bank that informed me that an investigation had started regarding my complaint and it was found that fraud was committed. They returned {$160000.00} to me for the month of XXXX 's payment. There were still 4 payments that were still being disputed. On XX/XX/XXXX, I received a notice from the bank that indicated my dispute was denied because they received a confirmation from XXXX Bank that indicated I did authorize the charges. I immediately asked for the proof they received from XXXX. They sent me a copy of a digital signature from XXXX XXXX ( my husband ) for the policy. I asked to have the matter escalated for a second review. I cited that I did not authorize those charges at all. I told them I had written proof that I had spoken to an insurance agent named XXXX XXXX XXXX ( the owner of the agency ) who discussed with me a policy for Whole Life insurance back in the end of XX/XX/XXXX. I was unable to get insurance for myself because I had a pre-existing condition that prevented me from doing so. He advised that I could get someone else to do the policy, then list me as the beneficiary and assign it over to me. I then gave him my husband and he was approved for the policy. XXXX sent me a notice a few days later once the insurance underwriters approved XXXX XXXX for the policy. XXXX initially signed the paperwork electronically and sent it back to XXXX. Upon reviewing the application a little closer, I noticed the policy in question was not for a whole life insurance policy like we discussed, instead it was actually for a Universal Life insurance policy which we had not talked about in our earlier conversation. I was not comfortable moving forward. I asked XXXX to explain why he switched the policy type without our knowledge. He sent me an email response that indicated the Universal Life policy would be better for me and offered to do another presentation for my husband and I to compare both policies. On or around XX/XX/XXXX we had the meeting. During the meeting, I told XXXX that my husband and I had to privately review the information and would get back to him with a decision. On or around XX/XX/XXXX, I sent a group text to XXXX, XXXX and myself with a response that said that though we liked the insurance option he presented we would not be able to move forward at that time because there were some financial obligations we needed to address. XXXX responded with did I know when I would be ready. I did not respond because I did not have a future date in mind. Please note, on XX/XX/XXXX, I connected via phone with XXXX and asked him if he pushed the policy through without my permission. I reminded him of our texed correspondence to not put the policy through on XX/XX/XXXX. He assured me that he did not put it through and that he would connect with the XXXX XXXX XXXX to make sure they did not put the policy through. He asked me to give him at least 5 days to get back to me with an absolute response. On XX/XX/XXXX when I received the denial letter from the bank, I called XXXX again. He did not pick up the phone. I left a detailed voicemail alerting him to what happened and that he needed to sort this out with the insurance company because it is now considered fraud because I did not authorize those charges. Meanwhile, I spoke back with the bank and told them I had collected all of the written correspondence between XXXX and I that showed I did not make the authorization for him to put the policy in force and collect funds as an " in-force '' policy. I was under the impression he followed my instructions. The bank told me that although there is written proof that I did not authorize the charges, their policy is such that with ACH withdrawals, they will only allow 90 days for a customer to make a dispute. Anything after 90 days I will have to " eat '' the loss. I totally disagree with this as there is written proof and they are ignoring it. They also had already initially given me a provisional credit for the full amount. I do most of my banking with them with amounts in their bank totalling {$100000.00} or more and had never had a reason to file a report of this kind. It is clear that their policy causes a disparate impact to me and my accounts. | ||||||
| 04/12/2022 | Yes |
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Web | Older American |
| I have been having all types of problems with Navy Fed for since XXXX. I first stated when my husband at the time stopped paying he mortgage in XX/XX/XXXX and I was not told until XX/XX/XXXX. I asked why did they not tell me he stopped paying and was told they had no information on me to contact me. I said I have another mortgage 3 checking and saving accounts and a credit card what do you mean you have no way to contact me. Then I called and asked could I have a mortgage if you had no way to contact me no personal information and was told no. So how was this mortgage still active if they had no info on me I signed that Mortgage just like my husband an They began taking money from my checking account without telling me and when I asked I was told that is in my mortgage contract that they can take money when it was old. I told them I can't pay for me rental property for you keep taking the money for this property and I was told I would have to figure something out I said like what. They stopped taking the money out of my account so I thought he had started paying but now they want to foreclose on me rental property. Ok now I'm going through lost mitigation. I turn in all the paper work and check to make sure they have everything because my father has XXXX and I had to go to CA. to check on him. I was told everything was good so I left. Now I'm in LA getting letters stating that they closed my case for missing infor. I call and they are miss infor on my health insurance, I go in to the branch and they call, I have 60 days to give all info so why did they close. No were are starting all over. The branch calls again stating we don't need heath insurance and you have 3 years of statements and it is clearly on the statements I can see it. No we go on and they stop again because they say the house is empty. We call again, they have a copy of lease agreement so how are you saying it is empty that is part of the information asked for as part of the application. Now they are saying they called me and I told them that. I said no ever called me and I did not tell anyone that. Tell me who called me and when. To this day no one has ever given me this information. No I file for bankruptcy and it is going good. I call Navy Federal every month to a cashiers check for my so I have proof that I am sending the money. In may I get a letter from the bankruptcy court saying that my case has been demised. I call my lawyer to. find out why and was told call the bank to make sure that they sent the payment. I did and they did not sent the check. I call and asked to send one amount and I changed the amount and was told y couldn't change it they had to make another one so he did. Well he canceled one and never made another so a check never got sent. I told them to call my lawyer and the bankruptcy court, the did but they did not reinstate it. No her we are going through lost mutation again. I put in 3 different applications XXXX, XXXX, XXXX. I kept asking why I'm having to keep putting in applications and was never told. I was told it would not be excepted because the house was empty I said I was staying there because my house was damaged by Florence again no one went out to check because if they did they would have seen. I was told to send a letter and I did. Now they are saying that {$1500.00} a month was not to pay {$400.00} a month rent. At the time I had about {$5000.00} in my checking account and was told that that money would be taken into consideration but is was not. I got a letter dated XX/XX/XXXX on the XXXX of XXXX saying I was not approved because the house was empty and I did not make enough. I took the letter in to Navy Federal and spoke with XXXX and sent sent a copy of the letter and proof that I got the letter on the 12 by the post mark. MY lawyer called me and told me don't worry you have a 10 period to appeal and XXXX told me that to so I did. I give it to XXXX to sent in and she did. well 10 days went by I heard nothing so I called and was told WHAT ARE YOU APPEALING WE SOLD YOUR PROPERTY. In my mind how can you see it before I'm allowed my 10 days to appeal since this is a law. No one has explained that to this day either. I keep bring all this up, the last time XXXX a manage in lost mutation said there were a lot of things going on that are not rules no Navy Fed that should not have happen and she needs to investigate. On person called me and she was the person that stopped it because she had no health insurance and the one that had my lease agreement, she told me it was her case. I call XXXX that she had to get someone else. That's the last thing done and that was 3 years ago. I called XXXX many times she could never take my calls so I started calling her boss and the first time she was on the phone and would call me back and that never happened so I kept calling her and noting. Now this the main house I got put on a program in XXXX but because of the pandemic everything got put on hold. XXXX XXXX put out all this new guide lines no foreclose no late payments and so. Navy fed was still sending me letters telling me I was in default so I called and was told they miss be a mistake I'm good. time is going by I'm not hearing anything. now I'm suppose to get a check from my insurance but they are saying I can't have the check because I'm in foreclosure I'm sayin I'm not on on the lost mitigation put me on a program. I Call lost mitigation and was told I'm on the forbearance program and I should be getting letter. I said I have not been getting any letters and she said I'm sorry you are on the pandemic program and everything is good. She call the mortgage department got everything straight and I got my check. That was the last time I heard form any one. No has given me a state date for payment or contacted me telling I'm late nothing. Again the mortgage is sending letters telling me I need to apply for a forbearance program with lost meditation so I sent them a copy of the letter stating on a program and the letters stopped. No there lawyers are sending letters telling prices of forecloses. I just don't know what to do no one is giving me instruction. I called XXXX XXXX and was told that they should be sending information regarding me on the program and they can not take me off without telling me. | ||||||
| 08/10/2017 | Yes |
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| On XXXX XXXX, 2017, I opened the Navy Federal Mobile App to check my balance. I noticed that there were two unauthorized transactions on my account. {$200.00} was taken from my account via a XXXX XXXX XXXX in XXXX, GA and {$300.00} was taken from my savings account via an XXXX XXXX XXXX in XXXX. I immediately called the toll free number provided in the app. I filed a fraud claim. In this claim, I said that the card was in possession, and I was unsure how anyone could access my account and remove money. I was informed that a full investigation would be made. I was given a provisional credit and told if the investigator had any questions, I would be contacted. On XXXX XXXX, 2017, I opened the mobile app to check my bank account again. I saw that the provisional credit was removed from my account. I immediately called the toll free number provided on the app. In this phone call, I was told my fraud claim was denied. I asked why no one contacted me to ask me any questions or inform me that my claim was denied. I was told that a letter containing this information was sent to me. To this date, I have not received this letter. I further inquired what I could do. The teller said I could leave a message on the voicemail of my investigator because it was after hours. I left a message. The next morning, I called again during business hours. The investigator refused to speak to me. The teller relayed the message that reason my claim was denied was I never reported my card lost or stolen. I informed the teller that I never lost my card, and that I said this in my original report. I was told to leave another message with the investigator, and I did so. I filed a police report with XXXX County Police Department and FBI Internet Crimes Complaint Center. On XXXX XXXX, 2017, I called the toll free number again because I had yet to be called back. The teller called the investigator, and he did not answer. The teller then called the supervisor of the investigation. I was told that he was in a meeting. I left a message with the supervisor. On XXXX XXXX 2017, I called the toll free number again because I had not received a call back from the investigator or his supervisor. The teller called the investigator again. She informed me that I would have to submit a formal appeal via mail or fax. I faxed a letter of appeal to Navy Federal on the same day. I received a call later in the evening from XXXX, the assistant supervisor in the fraud department saying that my fraud claim was still denied. I would need to get more information if I wanted it reversed. He gave me the addresses and times of the transactions. He told me the first transaction was at XXXX at the XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX . He said the second transaction was at XXXX at the XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX I called the XXXX County Police department to update my police report with the information I received from XXXX on the exact locations and times. They told me to call XXXX Police department because that is the city of one of the banks where the money was taken from my account. When I called XXXX PD, they told me to call XXXX PD because there were two transactions in different cities, and XXXX would handle it because that is where I live. I called the XXXX PD, and they sent an officer to my house to take the report. When he arrived, he said because the banks are outside of their jurisdiction they can not help me. On XXXX XXXX, 2017, I filed a police report in person at the XXXX Police Department. I was given a case number and told that I can pick up a copy of the police report on XXXX XXXX or XXXX. On XXXX XXXX, XXXX or XXXX, my mother calls Navy Federal. She speaks to XXXX. She asks for XXXX supervisor. He refuses to give her that information. She calls Navy Federal again to speak to someone else. The person informs us that our case is in appeal and that the person handling our case is named XXXX. On XXXX XXXX, I was called by Detective XXXX XXXX of the XXXX Police Department. He asked for my email address to send my forms to fill out with more information about the case. I filled out the forms and returned them to him the same day. On XXXX XXXX, I email Detective XXXX to see if there was an update on the case. He responded that he received the records from Navy Federal the day before. According to the records, the location of one of the transactions was not the XXXX XXXX XXXX on XXXX XXXX XXXX, as XXXX of NFCU told me, it was actually the XXXX XXXX XXXX in the the XXXX XXXX XXXX XXXX, which is the jurisdiction of the XXXX County Police Department. In the email, Detective XXXX says that he has forwarded the records to the XXXX County Police Department and the XXXX Police Department. On XXXX XXXX, I also send a message to Navy Federal via their online message center asking about the status of my fraud case. They inform me that the case is still denied. On XXXX XXXX, my mother and I call Navy Federal to find out more information on why the appeal was denied and why I was never contacted to be told the appeal was denied. We speak to XXXX. He relays a message from the fraud department that the case has been denied because the further information that I have provided ( a copy of the XXXX County Police Report and a copy of the FBI report ) was not sufficient information to change the decision. My mother asks to speak with XXXX, the appeal person handling my case, XXXX says that XXXX refuses to speak with us regarding the case. XXXX says they never received anything from us in writing. This is incorrect. I sent the information online through the NFCU message center and through the mail. My mother asks who she can speak to. XXXX transfers us to XXXX, a supervisor. XXXX says he can not help us because he is not in the fraud department. On XXXX XXXX, I call the XXXX County Police Department and explain to them the situation with the detective from XXXX. They explain to me that report should have been filed in XXXX since this is where I live and the fraud occurred at twXXXX locations. They transfer me to XXXX PD and XXXX explains to XXXX my situation. XXXX sends an officer to my house. He takes the police report. He says I can pick up a copy of the policy report in 3-5 business days. | ||||||
| 06/02/2021 | Yes |
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| I applied for credit with Navy Federal and was wrongfully informed that the credit given was via the bank and mailed deceptive and misleading statements to make monthly payments. Pursuant to 14 USC 1601 congressional findings, congress is letting me the consumer know the that Navy Federal has misinformed me of the use of my credit. 15 USC 1301 ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Also, 15 USC 1602 ( e ) The term " person '' means a natural person or an organization. A corporation is not a natural person. Therefore can not be the original creditor. My social security card was use to obtain credit, I am the administration of the card and credit account given. Also, pursuant to 15 USC 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. I am informed that I am the original creditor who is a person to whom the debt arising from the consumer credit transaction who is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness and that my credit card is a open end credit plan. Navy Federal put a limit on plan to {$20000.00} and has failed to comply with the open end credit plan by sending statements for me to pay which is unlawful pursuant to 15 USC 1692 ( 2 ) not state that such consumer owes any debt ; You can't say I owe a debt. You were not given consent by me to collect any debt and I do not consent to you collecting this allege debt you say I owe. 15 USC 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I invoke my rights as the original creditor and demand a verification of debt, cease and desist form contacting me regarding this allege debt. I refuse to pay this allege debt. 15 USC 1692c ( a ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent XXXX if the consumer is a minor ), guardian, executor, or administrator. 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. My consumer report is my reputation and I demand you delete any reported accounts to the reporting agencies regarding this alleged debt. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. You sending statement informing that I owe you an alleged debt is abuse due to me having to read the false and deceptive forms. If the courts/judge can not ever say I owe a debt, so why in the world do you think you have the right to say I owe? 15 USC 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. We have a conundrum the definition of money is a political decision that you can not define and you can not tell me to pay gold and silver because its not in general circulation and you cant tell me to pay with federal reserve notes because you would perjure your oath, so we have a conundrum on the record, I invoke being a consumer and I dispute XXXX XXXX XXXX pursuant to 15 USC 1692h, excluding the first payments back treble for not willfully disclosing valuable information. Send all payments made via check to XXXX XXXX XXXX XXXX, CA XXXX. 15 USC 1692h If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. | ||||||
| 02/12/2022 | Yes |
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Web | Servicemember |
| XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX ( Collection Manager ) C/O Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Certified Mail/Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXXl ) XXXX XXXX Navy Federal Original Account Number? ) Subject : Navy Federal Credit Union Charged Off Go Rewards Account Debt Validation Letter Follow Up XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, This letter is in response to your letter dated XX/XX/XXXX. Secondly, it is in response to my most recent conversation with XXXX XXXX, on the XXXX of XX/XX/XXXX. In my letter dated the XXXX of XX/XX/XXXX, I disputed the alleged debt of {$8100.00} that you are attempting to collect. Additionally, I requested verification of the alleged debt, pursuant to my rights under the FDCPA. I am within my rights of requesting a verification request under the FDCPA. I requested a copy of the account history in total including, a copy of the signed contract. I requested that you cease and desist all collection activity, including credit reporting. I requested that you delete any and all reporting made to any consumer reporting agency. Furthermore, I requested a returned signature on the letter I submitted negotiating Pay to Delete should the account be actually mine. I requested a statement, outlining the one time payment due, in order to reconcile the account, in order to close this matter permanently with XXXX XXXX XXXX Navy Federal Credit Union. It has not been received to date. I requested that you delete any and all reporting made to any consumer credit reporting agency. At this time, I am requesting you communicate to Navy Federal Credit Union to consider entering into contract along with your company a Pay to Delete contract for the one time payment of {$3200.00} only, if the account is validated and accurate. A clear failure to address my very specific previous legal requests were not honored therefore, it appears a clear violation of the FDCPA has taken place. RE : Alleged ( Navy Federal Credit Union ) Alleged Original Credit Account Number ( XXXX XXXX XXXX XXXX? ) Debt Collectors Account Number ( XXXX ) Alleged Debt Amount on Balance ( {$8100.00} ) Firstly, it appears that you failed to obtain, provide, and forward a verification of the alleged debt by not mailing me a singed contract, including proof of ID. Instead of sending me a contract or agreement signed by all parties involved as requested, you mailed me a letter on your letter head, and included account statements for XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX. Please note, these statements dont even show transactions associated with the account in question. Why? I request every transaction on this account from the time it was opened until it was closed. This is not a contract or agreement. In my opinion your company was not responsive to my verification request. Under the FDCPA, it is unfair and even unconscionable, to attempt to collect an alleged debt in any amount that is not expressly authorized, by an agreement creating the debt or permitted by law. Also, my personal information was disclosed without my expressed written and/or verbal consent, or knowledge to a third party. Secondly, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Navy Federal Credit Union also failed in this manner. Under the FDCPA, it is false, deceptive, and misleading representations or means in connection with the collection of any debt to communicate to any person, including to any credit reporting agency, credit information that is know or which should be known to be false. Thirdly, due to the previously stated, Navy Federal Credit Union XXXX XXXX XXXX have caused me a significant amount of XXXX, XXXX XXXX, and financial hardship. I am requesting you once again verify this debt in its entirety. I want to see my signature. I need it because I know its a forgery. Lastly, I have reason to believe this account was opened by my father, under false pretense. I pursued a guardianship based on medical direction, from my fathers psychiatrist. The guardianship was approved however, a year later it was transferred to a court appointed professional guardian. Her name is XXXX XXXX. I had no choice. It was to much for me and my health. My father was caught using, impersonating and forging my name, social security number, birthdate, and other personal information, to shift monies from the guardianship account, to other unknown accounts, that I was not aware of nor could locate. Please note, its not the first time. A significant history has been established of this behavior prior to the guardianship. A few years after the transfer, the guardianship was lifted. XXXX XXXX and her accomplices were found guilty of a multitude of crimes. The estates of her Wards were liquidated and stolen, out of pure greed. My father being one of many victims. My father blamed me for what had happened. Everything he worked for, gone. We have not been able to recover any of his belongings. It appears he was retaliating against me based on what happened and more importantly, what he lost. A lifetimes worth of work, lost forever. Enclosed is a copy of XXXX XXXX old business card, and an article relating to what I have communicated to you. I included a copy of XXXX state officials who spoke to me on numerous occasions, after my father maliciously accused me of elder abuse and fraud. Its another reason why the guardianship was transferred however, and more importantly, it was in my fathers best interest, due to his illnesses. I included a copy of the Indictment where my father is referenced on page XXXX. Finally, I included a copy of my fathers death certificate. P.S. Its in Navy Federal Credit Unions best interest, as well as XXXX XXXX to remove this account in its entirety off my credit report, from all three credit reporting agencies. If you continue to pursue me for this debt, I will address my concerns with those involved with my fathers Guardianship case. I will request it be investigated. Very Respectfully, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau via XXXX XXXX | ||||||
| 11/15/2023 | Yes |
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| I lost my job back in XX/XX/XXXX, so I went to my local Navy Federal explaining this and was told that I can apply for the Mortgage assistance application. When I asked how was i to return the application, i was told that I would have to mail it in, that it could not be done electronically or fax. So I mailed the packet in XXXX I believe on the XXXX, but Im not sure, I have a screenshot from XXXX with the tracking date. But when I called to check on if they received it, I was told that they did not receive the complete packet just some documents. I explained I mailed the complete packet, so how could they only have part of it? I was told that it is possible that the person in the mailroom did not scan up the full packet correctly. I then asked how is that my fault? I was then told that they have this new system where i could upload the application called XXXX, i did so as requested but the system would not allow me to upload properly, it only allowed some documents to be uploaded but not all. So I was then told that i could send the remaining documents requested through the banks emessaging system, i asked why was i originally told that i could not do it through there, and that i had to pay {$15.00} to mail it in, I was told they were unsure of why i was told that. So I sent the packet through the emessage, I was then told that they did not again receive the full packet, and that I should email it to XXXX, which I did on XX/XX/XXXX. Again I was told they did not receive the complete packet, even though they received some of the documents from the same email but not another document which doesn't make sense. So I resent the requested documents on XX/XX/XXXX. After finally getting everything sent in I was told that they would only allow me to be able to get assistance, if i was to restart my loan, I told them no I'm trying to be done with them as soon as i can. So now XXXX has come and i am able to pay the full balance owed thanks to my parents assistance. I called them in XXXX and asked the representative how much I owe for my balance and that I wanted the full amount due. She gave me the total of {$2600.00}. That is what I paid on XXXX XXXX. With an overage of {$80.00} that went towards late fees. Everything seems back to normal, and I am able to pay on time due to the fact I have rented my condo out, and with my tenants rent I am able to pay on time. That is until XXXX I see an additional amount of {$140.00} on my account that is due, so I called to inquire. I am told that it is inspection fees for the account being in a past due status for more than 45 days. I explained that I have been paying on time since i brought it current back in XXXX so why am I being charged now. They were unable to give me an answer other than that I owed the amount. But they say the fees are starting from XXXX XXXX XXXX. So Im confused if I called and asked what my full balance due was and was given the amount of {$2600.00} why was the fees not added then? And why am I just now seeing them in XXXX? Nobody could give me an answer so I asked for a supervisor, I was given to a XXXX XXXX and again had to explain what was happening since XXXX, he also couldnt give me an answer other than there could have been a misunderstanding, and Im like no, if I ask what my full balance is, I should be given the full amount due so that I could pay the full amount due to be current. He says that he will take a listen to the calls from XXXX to see if there was a mistake. This was on Monday XX/XX/XXXX, he says he will call me back on Thursday on XX/XX/XXXX. He never calls, so I start calling him and requesting him. Each time I am told hes not in and will return tomorrow. I call again today, and I am being told the same thing. Now I feel as if he is just avoiding me and not wanting to speak with me because he knows that they are wrong. All the while since XXXX to XXXX, they kept sending the Mortgage Assistance Application packets to my address as if I had not already been working with them, the packets are at minimum 15 pages long. I had to of received at most 100 packets, all the while threatening foreclosure, and driving my XXXX and stress through the roof. I had been working with them since XXXX trying to save my home, and they did nothing but make the process difficult and exhausting. Now were in XXXX and I am still having to deal with them trying to intentionally add fees to make it harder to afford my home. On top of that I received a letter from my Home insurance, XXXX XXXX, stating that I had a payment of {$110.00} return, I was confused because I dont pay them directly it is paid when I go to pay my mortgage, so I was confused when I received this letter. I called and spoke with them, and they claim that Navy Federal made two payments on! XX/XX/XXXX XXXX for {$110.00} and XXXX for {$750.00} totaling to {$860.00}. XXXX, but they were returned. But were eventually paid on the XX/XX/XXXX and XX/XX/XXXX. But because of that I have to pay a late fee of {$15.00} and that it can not be waived. But why should I pay a late fee if the payment was returned through Navy Federal, not me. So I called navy federal on XX/XX/XXXX and I was told by a XXXX XXXX XXXX XXXX ) that they paid the full balance of {$860.00} on XX/XX/XXXX and it does not show as returned. She told me to send a emessage explaining all of this so that it could be investigated further. So I did. I spoke with someone today XX/XX/XXXX and they could not assist with it nor get me to XXXX XXXX. I feel as if I am being intentionally targeted and am a victim of my rights being violated. I have the right to redress and they are not trying to set anything right, instead they are being greedy and taking from the very people that they are supposed to be assisting. I see that Navy Federal has a history of doing this, and I unfortunately have fallen victim to their games. I could really use some assistance on this because I am simply a human being trying to make a living and provide for my family, and they are making it more difficult to do that. I am stressing to the point where it is affecting my health, and that is not good. I just want to put this behind me so that I can move forward with my life. Thank you | ||||||
| 05/22/2018 | Yes |
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| Hi my name is XXXX XXXX. I am fed up with Navy Federal. I have been harassed by them for some time now. It has started a few months back as soon as I bought some family members on board. I had have a few incident where they have locked my accoutns for no reasons at all and I had to go to verify my account more than 10 times in less then a year of opening my account. I understand that its their job to verify but it comes to my attention that Im randomly being picked. I just recently had an incident where sponsored my dad and I was called by someone by the name of XXXX XXXX from Navy Federal and he asked me personal questions and I remember him asking me my birthdate and when I told him my birthday he told me that how can I not see if my father is listed on my birth certificate. I answered and told him that my father isnt listed on my birth certificate only my mom is listed. So he became aggressively sarcastic and disrespectful to where it began getting me XXXX but I kept my composure during the phone conversation. I called back to complain only to talk to a supervisor who didnt help me at all. It all happened because I sent over a check to my XXXX XXXX account and it was a check sent out to the main branch and not the XXXX XXXX number and I was my mistake so the check took didnt clear and I was told that I have to verify the check by XXXX XXXX but since I never receive the check, I told XXXX XXXX that I dont have a copy of the check to show it was sent under my credit card account. So XXXXXXXX XXXX called Navy Federal to verify the check and Navy Fed said the check was fake. Well someone from the security team at XXXX XXXX called Navy Federal and thats what was told to him. I had to go into to Navy Federal today to verify that it is me and my father had to go verify at Navy on Monday. We did that and his account was unlocked and I was told by XXXX XXXX at Navy Federal that mine will be unlocked. I thought that was the end then he continues to harass me and say things that have nothing to do with me. He said that going forward that any account that I sponsor that does shenanigans on their accoutns I will be held accountable for it. I mention to him that there is no one that I sponsored that is doing any shenanigan or will attempt to do any foolishness. Then his voice became aggressively loud so I kept my composure once again on yet another phone call. He tried to intimidate me with his voice and speak to me as if Im illiterate and dont comprehend. I have had issues in the pass with Navy Federal where my checking account went into negative XXXX and it wasnt my fault. I disputed charges where a company called XXXX XXXX XXXX XXXX charged me for more than a month and I cancelled their services within the 30 day time period. When I disputed the charges, Navy Federal said that there was nothing wrong with the dispute and I know for sure that I cancelled the services. It was months ago. Also I have had charges on my credit cards where I disputed the charges and they also told me that there was nothing wrong and I mentioned to them that the card was in my possession and that it was used. I didnt randomly place charges on my credit card. That credit card Cash Rewards. They never refunded me back my money. I have had issues with XXXX and renting vehicles. I was charged too much for a rental. I reserved a full size car and I was given a compact vehicle. I called into XXXX and they never took care of that situation so I called my bank to make them aware of those charges and that it was never adjusted at the time of the rental or there after. That was one incident with renting from XXXX and I let Navy Federal know that. Secondly I rented a compact vehicle some time ago and I was given a crashed car where the bumper was crashed in the back and the right side of the vehicle was also hit. Before I left with the car I asked the XXXX Manager is there any other cars he said no and I seen more than a few cars in the lot but maybe they were reserved for other customers at the time or day. So upon leaving the lot I was forced to take insurance on the car and was charged for insurance and they never compensated me back for that rental so I called Navy Federal and told them this same thing Im sendning now and I was told that there is nothing wrong with my dispute and charges were correct. How could I not dispute a product that I was given and the product was horrible, dismantle and hazardous to me and my family. The back bumper was coming off and the side attempted to come off because of the wind where it was getting in the way of me look through the side view little mirrors where I couldnt see. So I called in to XXXX to make sure that theyre aware but XXXX failed to cooperate and I called Navy and they failed to cooperate to. I know that if I payed for a product or service and its defective I should refunded or compensated back my funds, I disputed and Navy once again told me that nothing was wrong with the dispute. I just recently rented a car where the price was set at {$99.00} but when I got the email receipt, I noticed I was charged {$140.00} for the rental which was for 4 days and I was told it was {$99.00}. I called to dispute that charge and that they charged me more than what the price was. So I have had bad encounters with Navy Federal not assisting me or helping me in any way possible. I am fed up and I would like to take this to a civil court room if Im not given back or compensated my money for the defective product I payed for and how my bank is ignoring my disputes. Someone needs to give me my money back and I wont stop until I am given all my money back from either Navy Federal or XXXX and other companies that are on past statements. My checking account is now in the negatives, also my business checking account had the same problem. I am being harassed at Navy Federal every time and they wont seem to assist me. I am a XXXX XXXX XXXX and I shouldnt be treated like Im a criminal in any way shape or form. I shouldnt be discriminated against for any reason what so ever and I am willing to take this to civil court in front of a judge. I am sick and tired of being treated like someone who I am not. It is unfair to me as a human being. | ||||||
| 04/11/2018 | Yes |
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| I am contacting you because I have experienced a major problem at the hands of Navy Federal Credit Union. It began onXX/XX/XXXX when {$370.00} was taken from my savings account without my permission and without my doing. When i called the Navy Federal customer service and had them look at what had occurred, even they could not figure out how that money was touched and said that it didnt say it was done in branch or at the atm, and they could see it wasnt via my mobile app and suggested that i go into a branch immediately to get it taken care of. I went into the branch in XXXX Ca on XXXX XXXX the woman at the front who i believe was named XXXX looked at my account and was totally baffled by the transaction. Shortly after, i met with a woman named XXXX. I told her the situation and she said that what i likely had was overdraft protection of some sort that they call oops. I told her i had no such thing and she said that if i had it i had to have signed up for it at some point. I asked her to show me when i had signed up for it. She could not see it in the computer. During this time i was having a stay at a XXXX XXXX. I was well aware that they were taking deposits from my account when needed, and i would manually -- on my own -- transfer funds from my savings account to checking BEFORE they held anything to ensure that there was more than enough money for them to hold as well as for me to spend if i needed to buy something. All of a sudden this large amount money was transferred out of my account when my balance was not low, which is visible in their paperwork because i had also just transferred {$300.00} into my checking account that very same day. So why would an additional {$370.00} need to be transferred? ( and i had not signed up for any overdraft protection ) Here is the kicker. The rep i was speaking with XXXX was so sure if her policies etc she thought that i was just blowing hot air when i said that i hadnt signed up for any type of overdraft protection. When she got one of their representatives on the phone she found out that Navy Federal had literally started automatically signing people up for this protection without being notified as their policy states, and she was in shock. She on the phone with them said something to the degree of i thought we had to get the customers permission before signing them up for overdraft and disclose to them what we were doing. Well then if thats the case i have to update my entire team who has not been made aware of this etc. When i heard this i knew for sure my thoughts were correct, and this credit union was trying to cover up stealing from me. The Navy Federal higher-ups on the phone told her that there is a paper i can sign to get the overdraft removed which i did but my rights were violated and i shouldnt have had to do that in the first place because that action is something i never agreed to and was never disclosed to me. Here is the other thing, my money was not put into my checking account, i would have had much more money in my account, i had just transferred {$300.00} mind you. I told the woman XXXX, and she tried to calculate my transactions to determine if my balance was correct and she even said that nothing added up and she was a numbers person and if it doesnt add up it doesnt add up. I had to leave to go to work, but i told XXXX to relay to whomever she was speaking to on the phone that i wanted all of my money placed back in to my account or i would take all of my money and leave period. She said that was understandable. To this day i still have not received my money back. Also i had another incident of money missing when I checked out of a hotel i always do business with and didnt receive my deposit authorized back in to my account. For our most recent experience we stayed at the hotel on XX/XX/XXXX-XXXX and checked out on XX/XX/XXXX The hotel held a total of {$320.00} and charged {$270.00} for our stay however the remainder of the {$320.00} ( {$47.00} ) has not been returned to my account as it usually is. I explained my concerns to the hotel and the fact that I've stayed with them numerous times and know how things go and something is out of order for them to have gotten their {$270.00} cents but I have not received my {$47.00}. They told me that when i check out ( as I knew ) my funds are released back to my bank Navy Federal and then it is at their discretion to release my money to me on their timing. The manager XXXX said she would contact the bank. I have stayed at this hotel NUMEROUS times & know exactly how the charges and authorizations work in accordance with my bank. Once XXXX has received their charge, I also receive my deposit back simultaneously. I've also waited for authorizations to be released during holiday weekends so I'm not rookie to that either. When the hotel manager and I conference called with a rep named XXXX from Navy Federal, he claimed that the money had never left my account though it was AUTHORIZED which means i cant access it until its let go. He could not tell me what my balance was before and after it was accessible, as in he gave me absolutely no details to prove what he was saying and literally brushed me off. After that conversation i realized that it is Navy Federal that is finding ways to illegally take money from me and camouflage it within my transactions. I also dont see it as a coincidence that i NEVER had these issues with Navy Federal until they changed their mobile banking app to where you can no longer see what your remaining balance is after each transaction made in my checking account which makes it more strenuous to keep track of what is going on unless you check your account multiple times a day, which i began doing. I will not stand for this which is why i am contacting you. Please help me gain justice. Prior to this incident there was about {$180.00} that we did not see returned to our account also, so we are not letting this get by us, this is three times that money has gone missing and Navy Federal is obviously doing dirty business if their own branches are not being made aware of policy changes that allow them to touch money that is not theirs without permission! | ||||||
| 12/05/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023 afternoon, during my field training, I received a phone call from Navy Federal Credit Union that has the exact same number as the one showing on the back of my debit card. After picking up the call, I was greeted by a female representative and was told that there has been suspected fraud thats going on in my account worth {$500.00}. I was asked to verify my identity ( name, date of birth, last 4 digit of social security ) in which I was not surprised as it was the bank calling. After they were able to verify my information, I was then transferred to the fraud agency department to file a claim and to possibly get my money back. After being transferred, a male representative has greeted me and again I was asked to verify my identity ( name, date of birth, last 4 digit of social security ). I was given instructions that I will be receiving a XXXX video call guiding me to show me how I can get my money back. I then received the XXXX call from XXXX. I was given instructions on what to do thinking I was still speaking to bank representative. I was asked for a share screen to guide me. They wanted me to log in Navy Federal app, they couldnt see my username and password since I used my face ID. I was asked to check my purchase history and was told that there was charge from XXXX I was told that I am not going to see it because its been declared as fraud already by navy federal and in able to reverse it, they will need my XXXX ID. I was comfortable giving my XXXX ID since I thought it was the bank helping me. I then noticed that my XXXX id got changed to a different email as well as my password. I was told to open an XXXX credit card and I applied and got approved immediately. I was told to transfer XXXX in XXXX cash and then another {$2500.00} total of {$5000.00} and it got locked immediately by XXXX I was later asked for my XXXX without the password but suddenly they were able to gain access to my email and issued a new debit card for me from Navy Federal. After a new debit card was issued, I was told that my old debit will no longer work so he wanted me to check my email in able to for me to use the new debit card without having it physically yet. I tried getting access to the new debit, I was not able to log in, and so since that was the case, I was guided to use my XXXX XXXX And through XXXX XXXX he wanted me to put {$5000.00} and XXXX XXXX was only allowing {$4900.00} at the time. Asked the representative why were going through this process, and I was told that its to unlock the {$5000.00} that was locked from XXXX credit card. Someone later requested me {$4500.00} and the person username was $ XXXX and he was named XXXX from the XXXX. After the money was sent without me approving it, the person wanted me to send {$400.00} from the {$4900.00} balance and then it failed and was did not get sent. I was told that it was okay and that they were going to try to unlock my XXXX account now and get my money reimbursed. After XXXX minutes, I was told, since it was not working, we are going to have to reset your phone and after that my phone had shut down and factory reset by itself and as soon as my phone turned back on. I tried logging in to my XXXX ID and it was not working anymore. Even my phone number got deactivated. I immediately reported to my XXXXr to possibly get an approval to go to the nearest Navy Federal Bank since I was still on the field. I immediately reported what happened and initiated a fraud claim of {$9900.00} which was the total amount that was lost in my account. The hackers were even able to transfer money out of my joint share savings with my wife worth {$2000.00}. I also had to go straight to XXXX XXXX XXXX XXXX going to the bank to reactivate my phone number as it was deactivated. XXXX also got involved to initiate fraud claim {$5000.00} with XXXX XXXX and tried closed the XXXX credit card that hacker wanted me to apply to. Unfortunately, XXXX unable to give the money back that was sent from the hacker. I also tried finding a solution to get my XXXX ID recovered as it was also compromised. The hacker or Navy Federal impersonators was able to use my account and have access to it with a new email that it was changed to as well as the phone number. XXXX recommended to file a police report as this can be considered as identity theft in which I did. After waiting 10 days from the date my claims were filed, the investigator has ruled that no error has occurred. I truly believe that this response from Navy Federal Credit Union did not honor the root of the problem that I am trying to solve. The problem here is failing to provide security for the consumers of Navy Federal Credit Union. Impersonators/hackers are extremely creative to find a way to persuade consumers to fall into their system. Just the fact that these hackers/impersonators can mimic the same phone number that Navy Federal Credit Union provide to their customers, already shows that there needs to be a change to the system. When I went to the bank to report and file a claim for fraud, I was told by the representative who helped me that I was the fourth person that day to be reporting for the same exact issues. This only shows that this issue has been becoming an unresolved problem. I am asking for assistance, not just as a consumer, but also as a service member who have put his trust to an institution claiming to be ensuring their members that they are insure and secured by NCUA, to please provide some assistance to this problem. Losing {$9900.00} from my bank account has slammed me so much to the point that it has affected my mental health and caused me financial problems. I have been with Navy Federal Credit Union for almost a decade now, and since then, the institution has been very helpful with every issue that I have dealt with considering that they were not as huge as this one. As a service member who serves to protect the country, I would really hope for Navy Federal Credit Union to be able to provide assurance to provide security and protection to my account. XXXX cash case number : XXXX and XXXX police department Case number : XXXX. | ||||||
| 05/26/2023 | Yes |
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| Background : On XX/XX/XXXX, I submitted an appeals request regarding the outcome of Mortgage Loan Application # XXXX which was the second mortgage application I submitted to Navy Federal Credit Union in less than a thirty ( 30 ) day window. This second mortgage application was denied due to a high debt-to-income ratio exceeding 70 % as well as one of my primary income sources was not considered for the application. Below I will outline and describe why Loan Application # XXXX should have been reopened, reworked, and reconsidered for approval. On XX/XX/XXXX, I submitted a mortgage application by phone at Navy Federal Credit Union. The Loan application number is XXXX. My loan officer was XXXX XXXX. XXXX contacted me a few days after I submitted my application to verify some information on my loan application and to remind me to upload my income-driven repayment plan for my student loans. After submitting all documents for processing and waiting a few days for the underwriting review of this first mortgage loan application, I was advised that underwriting could not approve my loan. The reason was that my debt-to-income ratio was one ( 1 ) percentage point higher than what the underwriters accept based on the loan amount requested and my credit score. Any and all documents I submitted prior to the underwriting review were accepted. On Thursday, XX/XX/XXXX, I reapplied for a mortgage loan and completed the application by phone at Navy Federal Credit Union. This time the documents that were listed on the online portal for my application were a Purchase Agreement ( I did not submit a purchase agreement because I did not have home chosen for purchase yet ), Paycheck stubs for the past month, end-of-year pay statement for my primary source of income, and W2s for the past two years ( I submitted W2s for XXXX and XXXX ) for both of my jobs ). I never received an initial phone call or contact with a loan officer with this application. On XX/XX/XXXX, I emailed XXXX ( the loan officer assigned in my online Homesquad page ) and received an auto-generated out-of-office reply stating that XXXX is out of the office until XX/XX/XXXX. I emailed XXXX because I submitted my second mortgage application and found it to be very strange that no loan officer had followed up with me at all regarding this mortgage application. A representative by the name of XXXX followed up with me over email as she is XXXX 's backup. XXXX called me shortly after her email to inform me that my second application ( loan # XXXX ) was denied due to the debt-to-income ratio exceeding 70 % ( excessive debt obligations ) as well as informed me that one of my income sources was not considered because I have not been employed at the company for two ( 2 ) years. Here is why my application should have been reconsidered and reworked : 1. I never received an initial call from a loan officer to verify my information or documentation needed for processing 2. My second application mirrors my first application except with the second application, I requested a significantly lower mortgage loan amount. Therefore given that none of my provided income was changed, I should have qualified for a mortgage on this second application ( a lower loan amount requested would certainly lower the overall DTI ). 3. All my income from application number 1 should mirror the income information on application number 2 as my income information is still the same and I still have the same employers and paid at the same rate. 4. I have been with my primary employer ( in banking ) for over six months, but have been continuously employed in banking and financial services in operational risk and compliance for well over two years ... so it should not matter that I got a new job and promotion with better salary at another place of employment as far as the second application is concerned. The two W2s provided will show income and that I have been continuously employed in the same industries and capacity for well over two ( 2 ) W2 periods. 5. My income-driven repayment plan obviously was not considered in the second application, which further caused the calculation for my debt-to-income ratio to not be completely accurate ( over 70 % on the second application only ) based on the information I provided. 6. I have been employed with my secondary employer since XX/XX/XXXX and have my XXXX W2s to prove it. I was advised that on XX/XX/XXXX, after multiple follow ups with Navy Federal over email that the decision on my second application remained the same and that Navy Federal could not extend credit. Based on the above information, I believe Navy Federal did not address my concerns in my appeal regarding the outcome of of the decision to not extend credit on the second application. Navy Federal Credit Union failed to include my documented income-based student loan repayment as well as disregarded my income after I further proved that I could afford the mortgage payments based on my salary and based on my continuous employment in banking and financial services for over six ( 6 ) years. The lack of diligence and skewed practices towards minorities like myself is a major reason why persons like myself in this situation can not create generational wealth through home ownership. Additionally, my first mortgage application took 30 minutes or less to co mplete by phone with a Navy Federal customer service agent around XX/XX/XXXX. My second mortgage application on XX/XX/XXXX, took longer than 2.5 ( two and a half ) hours to complete because the Navy Federal customer service agent kept trying to force me into stating that I am an XXXX American applicant. I identify as a mixed-race person and this should not have been an issue based on completing the application which caused the phone application to be longer and more strenuous and stressful than needed. I feel that because I identify as a mixed-race minority that my second application was not processed fairly. And to this day, I have never received any letter stating the reasons for the denial for either application in writing from Navy Federal Credit Union. | ||||||
| 05/21/2021 | Yes |
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| I closed on my loan on XX/XX/2021. Prior to closing, I attempted to settle fees that were charged in excess of the amounts originally disclosed as defined in 12 CFR 1026.19 ( e ) ( 3 ) ( i ) and ( ii ) due to missed timelines in providing revised disclosures as outlined in 12 CFR 1026.19 ( e ) ( 4 ) ( i ) and also by misplacing a required fee in the incorrect section of the closing disclosure as outlined in 12 CFR 1026.37 ( f ) and ( g ) and 1026.38 ( f ) and ( g ). When attempting to rectify the issue with XXXX and the processors, my complaint was not researched even though I provided the information and I was told that " if I believe that there is an issue with timing that I should file a complaint with the CFPB. '' Issue 1 : Origination fee charged in excess of the amount originally disclosed. Timeline : XX/XX/2021 : Application submitted XX/XX/2021 : Initial XXXX provided with XXXX of {$290000.00}, Rate : 3.25 %, no origination fee. XX/XX/2021 : Provided competitors XXXX to XXXX for price match and locked rate. XX/XX/2021 : Revised XXXX issued with LA of {$260000.00}, Rate 2.75 %, Origination fee of {$1300.00} ( .5 % of the LA XXXX. XX/XX/2021 : loan conditionally approved and sent to the processor. XX/XX/2021 : held initial conversation with the processor. Asked about buying down the rate for informational purposes. Was told that to buy down the rate to 2.625 % it would increase the origination charge by .5 %. XX/XX/2021 : assigned to a new processor ( second processor ) XX/XX/2021 XXXX Sat ) : emailed three contacts at XXXX including the new processor stating I would like to increase the LA to {$270000.00} and buy down the rate to 2.625 %. XX/XX/2021 : spoke with the new processor over the phone and again indicated my wish to increase the LA to {$270000.00} and buy down the rate to 2.625 %. XX/XX/2021 : Revised LE provided with LA of {$270000.00} and rate of 2.75 % with an origination charge {$1300.00}. ( 10 business days after the initial written request XXXX XX/XX/2021 : Revised LE provided with LA of {$270000.00}, rate of 2.625 % and origination charge of {$2700.00}. ( an increase of .5 % ) XX/XX/2021 : CD issued. XX/XX/2021 : acknowledged CD via email and also asked if the increase in the origination fee was within tolerance requirements. No response from the processor. XX/XX/2021 : Corrected CD provided with no changes to the origination fee or credits to offset the increase due to missed delivery timelines. -Called main NCFU mortgage number, contacted the second processor who called me back. I explained my concern. Ultimately told origination was in tolerance because XXXX had three business days to provide disclosures from the date they entered the information into their system not when they received the information. Regulation Z ( 12 CFR 102619 ( e ) ( 4 ) ( i ) ) requires that if a creditor uses a revised estimate for the purpose of determining good faith, the creditor shall provide a revised version of the disclosures reflecting the revised estimate within three business days of receiving information sufficient to establish that one of the reasons for the revision. -Processor 's supervisor ( the original processor ) called, I explained the issue and was told the same thing and that if I thought there was an issue, I should file a complaint with the CFPB. -Signed closing documents and submitting this complaint. Increase in Origination Charge in excess of the amount originally disclosed due to missed delivery timeline of three business days : {$1400.00} the second processor received the information sufficient for the reason for redisclosure ( revision requested by the consumer ) on XX/XX/XXXX. 2021 but did not deliver disclosures until XX/XX/XXXX and XX/XX/XXXX XXXX ten and 14 business days after receiving the information ). Issue 2 : Termite Treatment for VA loan in wrong section on CD XX/XX/2021 : Initial XXXX and XXXX XXXX written list of service providers ) issued. Initial LE shows aggergate cost for items the consumer can shop for as {$1100.00}. XXXX shows XXXX as the service provider for the inspection. Treatment is not listed. XX/XX/2021 : Termite inspection completed by XXXX and noted termites on the property XX/XX/2021 : Initial termite treatment XX/XX/2021 : corrective action completion provided to the original processor via email XX/XX/2021 : initial inspection form and receipts provided to the original processor via email XX/XX/XXXX and XX/XX/XXXX : revised XXXX issued without disclosing the cost of the treatment. XX/XX/2021 : second processor provides email stating proof that termite treatment was completed or the loan can not close. This indicates that the treatment is required by the lender. XX/XX/2021 : CD issued with Termite treatment listed in Section H - Other ( services not required by the lender ) rather than in Section B - Services the Borrower Did Not Shop for. XX/XX/2021 : emailed second processor highlighting the concern and asking for clarification - no response. XX/XX/2021 : Corrected CD issued but no changes to Termite Treatment Spoke with the second processor who confirmed the service was required but listed in Section H because it was not required in all states which is not loan specific. Spoke with the original processor who explained the breakdown of the treatment of the amounts paid at and before closing. Original processor explained that any amounts outstanding ( even if already being paid through installment payments to the provider outside of closing ) was required to be settled at closing. This indicates that XXXX requires the treatment when identified in the inspection in order to close the loan. As such, the fee should be in section B of the CD as the provider was the one listed on the XXXX. If the termite treatment were disclosed here, it would cause a tolerance issue that was not cured. The new total of services that I could have shopped for but did not under the regulation is {$2600.00} which is greater than the amount allowed of {$1200.00} XXXX which is 10 % more of the aggregate amount listed on the initial XXXX XXXX. | ||||||
| 12/10/2021 | Yes |
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| Late Payment Letter : Dear Sir or Madam, 1. NAVY FCU Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with NAVY FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 04/14/2021 | Yes |
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| I, Consumer XXXX, entered into a consumer credit transaction with Navy Federal Credit Union. Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692f. ( 8 ) which states debt collector can not use any language or symbol on an envelope other than the debt collector 's address. Navy Federal Credit Union violated my privacy by placing their logo and language on the envelope that implied to anyone that saw the envelope that I owed an " alleged debt ''. Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692j. ( a ) which states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Navy Federal Credit Union violated my consumer rights by creating false statements that created false belief that I, the original creditor and consumer, owe an " alleged debt '' to Navy Federal Credit Union. I am not participating in collecting a debt from myself. Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692e. ( 2 ) ( A ) which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt ; Navy Federal Credit Union violated my consumer rights by displaying the false representations of " alleged debts '' to deceive me, the consumer, that I have an unpaid balance. If debt existed wouldn't it be stated in the negative and not a positive amount due to the fact I can't make payments on a positive account. Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692d. ( 2 ) which states : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Navy Federal Credit Union violated my consumer rights because the word debt is highly offensive and disrespectful in my household and is frowned up based on my upbringing. This profane language was used in the written communication sent to me. Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692e. ( 5 ) which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) The threat to take action that can not legally be taken or that is not intended to be taken. Navy Federal Credit Union violated my consumer rights because I was threatened to have reputation damaged if I did not pay an " alleged debt ''. Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692d. ( 1 ) which states : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Navy Federal Credit Union violated my consumer rights by tainting my reputation, my consumer credit report, because they added negative information that reflects a false balance. Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692d. ( 4 ) which states : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Navy Federal Credit Union violated my consumer rights by willfully and without consent advertise a false balance on my consumer report with intent to damage my reputation with other creditors to coerce me to pay an alleged debt. Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1681a. ( d ) ( 2 ) ( A ) ( i ) which states : ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Navy Federal Credit Union violated my consumer rights because that reported a consumer transaction to XXXX and XXXX between the consumer, myself, and the person, Navy Federal Credit Union, which should have been excluded from my consumer report. Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1681a. ( d ) ( 2 ) ( B ) which states : ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Navy Federal Credit Union violated my consumer report by reporting to XXXX and XXXX about a consumer transaction that involved the use of my credit card which should have been excluded from my consumer report. | ||||||
| 01/14/2022 | Yes |
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| Dear Sir or Madam, 1. NAVY FCU Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with NAVY FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 12/06/2021 | Yes |
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| Dear Sir or Madam, 1. NAVY FCU Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with NAVY FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX | ||||||
| 05/31/2022 | Yes |
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| This is the initial e-mail that was sent to NFCU : To whom it may concern my name is XXXX XXXX, I have been with NFCU since XXXX. This credit union has assisted me in developing and maintaining my personal and business financial portfolio. Recently, XX/XX/XXXX I applied for a mortgage with NFCU. I was given my first pre-approval letter XX/XX/XXXX XXXX. I received an updated pre- approval XX/XX/XXXX XXXX. XX/XX/XXXX I received a revised approval to fit the purchase price of home XXXX. XX/XX/XXXX I received a updated pre-approval XXXX. In XXXX I along with my ( XXXX ) children and mother moved from our ( XXXX ) bedroom home in XXXX GA to an apartment in XXXX GA to save money and eventually purchase a home in XXXX Georgia . The goal was to save for ( 2 ) years then purchase. My journey to home ownership with NFCU started XX/XX/XXXX. I was assigned a loan officer and provided ALL necessary document request needed to generate a pre-approval letter. I was told several times throughout this process that my credit score, finances and debt to income ratio were where they needed to be and it was estimated that my debt to income ratio was right at XXXX percent. Throughout this process I made several solid attempts to purchase a home. Due to the quality of the market I lost several bids. On XXXX XXXX I successfully won a bid on XXXX XXXX XXXX XXXX XXXX GA XXXX. XXXX was that I utilized XXXX to provide all cash offer in addition to {$5000.00} option money. I also provided XXXX in earnest money and negotiated fees. The appraisal and inspection of the home was completed immediately. Because the home appraised for less than preferred, XXXX and my agent attempted to request a reconsideration of appraisal. In the interim, I was contacted by my loan officer and notified that my income was reviewed via underwritting, and it was determined that my income to debt ratio was 113 % and my loan was denied. Unfortunately, there was no opportunity provided to review debt, options or discuss income to ensure that all options had been exhausted. The issue that I have is, I have worked ( 2 ) almost ( 3 ) years as a independent business women and also maintained a full-time job to purchase a home for me and my family. I have sacrificed everything that provided pleasure and followed the appropriate steps needed to achieve home ownership. I was transparent and detailed about my needs, expectations and wants. I even asked for increase because I saw a opportunity. I know that the underwriting process, specifically income and debt review can be scrutinized and there maybe financial obligations to address at closing. I knew that my pre-approval was contingent on multiple factors. NAVY Federal Bank operating as a not for profit, mission is to make members financial goal priority. my issue and complaint is that I do not believe MY financial goals have been consider nor are they a priority. Im currently locked into a contract that I cant fulfill and therefore have been put in a position to forfeit XXXX. I do not think that my application was handled with care and my ultimate goal in mind. My estimate was 63 % off, statistically speaking this would not be considered an estimation, more so a quote. If the home was added to the raw data including debt provided and income my loan officer should have projected that the home alone without my debt would have put me at or around 63 % debt to my income. When I submitted my income simple math would have provided my total earnings. Confirming that all earning were provided without the ability to increase that number and only remove for deductions, simple math would have provided highest possible monthly and yearly earning. I was told that the average over the years was utilized to calculate income. Again, looking at this raw data this would have provided indication that I was no where fit to qualify for XXXX. What I find most interesting is that I was told the underwriters did not provide explanation or detail- just denial. However, my loan officer was able to move around numbers to see if it would change my DT from 113 %. If there was no information provided How was it possible to move around numbers? My Loan officer had the same numbers available to her before and after underwriting, therefore she should have known that my DT would be around/at 113 %. The role of a loan office is to evaluate, authorize, or recommend approval of loan applications. Processing applications at nearly 63 % over what is required to approval a loan would mean that the loan officer does not have the necessary skills to determine such factors. The worst part about this entire ordeal, is Im expected to wake up everyday knowing my life savings is GONE. Im supposed to wake up every day and just start over. I have been in complete shock, disgust and have had several breakdowns within the last 24 hours, all while trying not to cry in front of my children. How can this just happen and the only thing I receive is a Im deeply sorry XXXX XXXX, make sure you contact your agent. I would accept a denial and would walk away- no problem. But I lost XXXX! How could things be so drastically different and red flags not occur during the process? I can not just accept that I lost XXXX and that is it. I am asking that someone please reach out to me, Im not okay. Im human and this hurts bad. Someone is going to read this. I just ask that you please reach out to me. I know this is a professional entity, I get that. I know that business is business. But this is not ethical, these types of occurrences dont just happen. The very bank that has helped me reach my financial goal has played a major role in the loss of my savings. MISSION : As a member-owned and not-for-profit credit union, Navy Federal 's mission is to always put members first. Each area of the credit union operates with the same purpose in mind : making members ' financial goals the top priority Navy Federal Credit Union has contacted XXXX XX/XX/XXXX and terminated all contracts with XXXX due to lack of understanding. | ||||||
| 01/26/2023 | Yes |
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| Dear CFPB Representative, Let me start by saying Navy Federal Credit Union is a amazing organization with an incredible business model. I've been a member for over for almost a decade now. However, on XX/XX/2022 a " Navy Federal Credit Union '' Call Center representative made an internal error that ultimately, replaced the residential address associated with my ( NFCU ) " XXXX Credit Card '' with another unfamiliar one without my conscent. This undisclosed alteration made to my account caused, my preferred zip code to be replaced with one that I wasn't familiar with ; nor fond of. Because, of this each ecommerce transaction I had made during this time was being registered as " red flags '' e.g. ( Fraudulent activity ), due to the multiple incorrect attempts at entering the correct billing zip code pegged to the credit card i.e. ( XXXX ). In addition, this dilemma also induced other collateral damages which, I've listed below. that was caused by the use and facilitation of all ecommerce transaction 's that were impacted and prohibited by this internal error. -Payments towards purchases weren't processed correctly and denied -A rent payment in the amount of {$1800.00} was denied on XX/XX/2022, which cause a late fee to be attached -A payment of {$59.00} was deemed pending, and due to the extended pending process was paid for twice resulting in a refund on one of the ( 2 ) payments. -Because of what looked like " Fraudulent Activity '' at the time I put an " Account Freeze '' on my Credit Report ( s ) -During this period I had also recently applied for a few lines of credit which because, of this there was a high chance that loan my application ( s ) may have be declined there and then ''. XXXX XXXX XXXX XXXX -A Dispute letter requesting the error ( s ) be redacted, corrected, and removed were issued one to the Major Credit Reporting Bureaus on XX/XX/2022 through Certified Mail. -Also on XX/XX/2022 I recieved a call from a " Fraud Security '' representative from NFCU and was notified there was some " Suspicious '' activity alert that were recently made involving my credit card. I briefly discussed the issue and how I made multiple attempts to pay rent using the XXXX XXXX payment portal on XX/XX/2022, and the payment attempts were consistently denied XX/XX/2022. Which, even further caused late fees that would later be accrued to the my account. Finally, on XX/XX/2022 at XXXX I received a call from a NFCU XXXX Fraud Security '' representative that notified me, there has been some " Suspicious '' activity alert ( s ) that were recently made involving my credit card. After explaining the occurrences I then asked the " Fraud Security representative '' to remove the falsified information e.g. ( address ) from my NFCU account profile. Ultimately, she denied my request then advised I go to a near by NFCU branch with ( 2 ) forms of ID to request for the removal. To expedite the process I went to a nearby NFCU branch right after getting of the call with her. To my dismay, after arriving at the branch with all the necessary forms and documentation once again, they e.g. ( NFCU ) and their staff refused to remove the " unidentified '' address error from accounts profile and even further placed a freeze on the utization of my " XXXX XXXX '' credit card. Now later on that afternoon, I called NFCU and basically explained the whole situation and how that not removing that address, from my profile had already cause more harm the good and the XXXX XXXX season was rapidly approaching and this abrupt freeze would curtail my plans. After, listening to my explanation and taking a second looking ; it was confirmed their representative made an " internal error '' by double-clicking an pasting a XXXX XXXX XXXX XXXX, AL XXXX address into my billing address space which was found to be the catalyst to my woes. Now according " The Fair Credit Reporting Act '' section [ 15usc 1681 e2b ] speaks on how the " Consumer report '' must maintain maximum accuracy ; in other words all values must be correct in their reports. In contrast, in section [ 15usc 1681 n ] speaks on " Civil liability '' and actual damages. See if a furnisher of information or " Consumer reporting agency '' furnishes inaccurate information on your report and you give them notice ; that this information is inaccurate and a request it be removed from your consumer report however, they refuse ; even after a consecutive notice is brandished that's considered " Willful Non-compliance ''. Nonetheless, if you as the consumer are damaged under the guideline of " Willful non-compliance '' e.g. ( Denied a bank loan or other financial gain ) the consumer is now owed because, of " Actual damages '' leaving the " Consumer reporting agency or furnisher '' liable. Now during the month of XXXX I applied for a credit limit increase for this same " XXXX XXXX '' credit card in the amount of XXXX and was only awarded XXXX. In other words based on the admittance of a internal error on NFCUs part, " The Fair Credit Reporting Act '' section ( s ) [ 15usc 1681 e2b ] and [ 15usc 1681 n ] says due to the distress, anxiety, and unfortunate series of events that took place based on NFCU " NAVY FEDERAL CREDIT UNIONs '' ) behalf. I'm to be compensated for the late fees, transaction fees, and missed opportunities at seizing loans and credit that I'd applied for. So to mend all wrong doings I'm seeking the additional credit increase funds or offerings that weren't fully entailed in my credit increase approval which, was missing an additional $ XXXX. Primarily, because according to XXXX if, my address has erroneous or inaccurately stated information in it's entirety. I can be denied or disapproved of a loan or line of credit and perhaps was. Additionally, this increase will fully cover the late fee ( s ), transaction fee ( s ), and tarnishing of " On-time payment history '' this unfortunate ordeal has caused following the address error. My kindest regards, XXXX XXXX XXXX, XXXX Phone : XXXX Email : XXXX XXXX | ||||||
| 04/02/2019 | Yes |
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| XXXX XX/XX/XXXX Navy Federal Credit Union, N.A. Account # : XXXX Dear CFPB, I am writing you today in hopes that you can help investigate and resolve this matter for me with Navy Federal Credit Union. As a XXXX, I loved having a secure military bank with friendly XXXX XXXX service members handling my funds and veterans benefits. OR so I thought. To my dismay, there was severe fraudulent activity on my bank account from XXXX onwards in XXXX. As someone who is away from home for long periods of time on military deployments, I have little to no resources to make phone calls, nor check the internet. Furthermore, I dont come home for months at a time and am unable to see my statements until I arrive back. As soon as I caught wind of the fact that my account had been compromised I IMMEDIATELY notified Navy Federal of what had transpired. They promised to do all they could to recover the funds for me, and I spent hours on the phone going over each transaction. One of the major things that occurred were ATM transactions as well as debit card and ACH transactions. I have had severe identity theft since XXXX, and have multiple fraud alerts in place by the three credit bureaus. Navy Federal ended up deciding that there was no fraud found despite not even trying to track down the IP addresses, the merchants receipts, videos, etc. I asked them to reopen the case and they said that my initial identity theft report was not sufficient enough for them to refund the money. Seriously? I spoke to fraud representatives who PROMISED to return the money to me but that they needed a SEPARATE police report detailing the new fraudulent activity that occurred on the Navy Federal account. I went into the police station to file an updated police report giving them the transactions that had been posted to my account as well as the previous police report. The detective said why do you need a new police report? This previous police report should be sufficient for them for identity theft. I asked the detective and officer to please do as Navy Federal asked and they said if Navy Federal had any further issues to contact them. So I sent in the new police report to Navy Federal and waited. It took months and they didnt even respond. I lived very far from the nearest Navy Federal branch and therefore, I had to drive an hour out of my way while in California to the closest Navy Federal Branch. I finally went in to the Navy Federal Branch in XXXX XXXX, XXXX in XX/XX/XXXX and I sat down for nearly two hours with a personal banker by the name of XXXX XXXX. Ms. XXXX apologized profusely for what my family and I had to endure and was upset that Navy Federal was promising to return my money yet not properly resolving it. Ms. XXXX tried contacting headquarters in XXXX, and they gave her the run around as they did me. Everyone at Navy Federal seemed lost as to the status of the case or what to do. Ms. XXXX told me that we need to file a new identity theft report case with Navy Federal and we took time to literally highlight EVERY single transaction that was fraudulent. Once that was completed, she typed up a new case and told me that she would personally take care of this matter for me. She faxed in the two police reports, statements and transactions, yet nothing really happened. This created an enormous financial hardship for myself and my family as we were unable to pay bills due to the amount of fraud that was taken out of the account. There were conflicting statements from investigators, for example, who denied the refunding of a {$600.00} ACH transaction to XXXX saying that they had proof from the merchant that this was authorized. Funny because I reached out to that same merchant ( XXXX ), filed an identity theft report and they responded with a letter in the mail saying we are sorry. We have investigated and determined that this was a fraudulent account and you are not responsible for it. I gave that to Navy Federal who STILL refused to return the money. Ms. XXXX claimed over the coming months that the identity theft report takes a long time to process and kept urging me to follow up if I didnt see temporary or provisional credit within the coming weeks. After a while, Ms. XXXX just stopped responding to all emails. When I was back in XXXX in XX/XX/XXXX, I walked into a branch in XXXX XXXX, XXXX and met with another banker by the name of XXXX. XXXX tried looking into it, and called the investigators who were lost once again and no one could find the case. Everything is there and I can pull it up relatively easy in my online banking. I sent XXXX the details again, and the investigator assigned to my case, who was supposed to reach out to me, never reached out to me simply because they didnt feel like it. They didnt want to bother with me. Then I asked her to reach Ms. XXXX XXXX and ask her why she stopped responding and she told me she was annoyed and said that headquarters didnt want to investigate any longer or bother with the case. Case closed. Thats what the banker said! Why did no one update me? I wasnt getting mail that they said they were sending! These people are not doing their due diligence, protecting my money and dont even attempt to retrieve the funds! They only determined that some portions were fraudulent and didnt even bother with the lost debit card claims! While I was in both branches I literally saw on two separate cases customers bringing in small claims lawsuits against Navy Federal and now I see why! Horrible customer service and the way they treat their customers and make their lives miserable are unacceptable. I filed my own small claims case against Navy Federal last week for {$10000.00} and had the documents served on the XXXX XXXX branch as well as certified mail to Navy Federal headquarters. Its a violation of federal and SCRA Benefits and protections I am requesting that the CFPB please investigate this matter so it doesnt happen to other service members. Thank you. Sincerely, XXXX XXXX | ||||||
| 03/01/2022 | Yes |
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| Notice, it is a fact, affiant is aware upon discovery, a financial institution such as Navy Federal Credit Union in accordance with the definition under 15 USC 6827 ( 4 ) ( A ) and 15 USC 6827 ( 4 ) ( B ) must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a pervious billing statement in accordance with 15 UC 1637a pursuant to 15 USC 1681 ( 7 ) ( b ) ( ii ), I, the affiant, did not receive such notice and thus Navy Federal Credit Union is in violation of 1681s-2 ( ( 7 ) ( A ) ( i ) and the information associated with Navy Federal Credit Union XXXX Account Number : XXXX and the addition fraudulent account number Navy Federal has created as well XXXX must be removed permanently. NAVY FEDERAL CREDIT UNION IS COMMITTING FRAUD, PROVIDING FALSIFIED DOCUMENTS TO XXXX, AND REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. IN ADDITION, NAVY FEDERAL CREDIT UNION DOES NOT HAVE AND HAS NEVER HAD MY CONSENT TO REPORT TO MY CREDIT FILE NOR REPORT TO ANY CREDIT BUREAU. I AM NOT RESPONSIBLE FOR THE ALLEGED DEBT BEING SHOWN. XXXX IS ALSO PERFORMING FAKE INVESTIGATIONS. IN ORDER FOR AN INVESTIGATION TO OCCUR, INTERVIEWS MUST BE CONDUCTED PURSUANT TO 15 USC 1681AE. XXXX HAS FAILED TO PROVIDE ME WITH THE NAMES, ADDRESS AND PHONE NUMBERS OF NEIGHBORS, FRIENDS AND ASSOCIATES THAT MIGHT HAVE KNOWLEDGE OF THIS INFORMATION. Due to Navy Federal Credit Union posting fraudulent, false and inaccurate information to the credit bureaus and without my consent, this has caused my health to decrease in dramatic fashion. I now have very XXXX XXXX XXXX and have been suffering from XXXX and XXXX for a almost a year. I am also XXXX because of Navy Federal Credit Union. The repeated reporting errors are also prohibiting me from being approved for credit. I am unable to use my credit. These negative and false claims on behalf of Navy Federal Credit Union are affecting my credit worthiness, reputation and livelihood. Ive filed two Identity Theft Reports, sent Navy Federal Credit Union multiple Cease-and-Desist Letters with my demands. Navy Federal continues to be non-compliant. At this point is is harassment. In addition, I provided Navy Federal with a Conditional Acceptance Offer. If they provided me with three items that prove this alleged debt is indeed mine that I would provide payment in direct and immediate exchange for the original instrument of indebtedness in its original form. Navy Federal had failed to provide each item to me. Not to mention, I am now being harassed by Navy Federal Credit Unions lawyers XXXX XXXX XXXX XXXX ) which is illegal and after I provided Navy Federals lawyers ( XXXX XXXX XXXX, XXXX. ) an Offer Rejected Letter. Attorneys can not act as debt collectors. I would like the CFPB to take this case very serious because my livelihood, credit and reputation are in danger and Navy Federal Credit Union is that cause of it. My rights continue to be violated and Navy Federal Credit Union and XXXX as both continue to violate the FCRA.I demand the harassment and suffering to end. I am requesting the assistance of the CFPB and the States Attorney General. Navy Federal Credit Union is also committing fraud and XXXX is allowing them to do so. I filed two identity theft reports on Navy Federal Credit Union. The most recent one is attached. Navy Federal Credit Union was removed from my XXXX report before XX/XX/XXXX, then Navy Federal Credit Union created a fraudulent account number ( this account has been closed since XX/XX/XXXX ) without my knowledge nor consent to continue to post the fraudulent debt. XXXX removed the Navy Federal Credit Union account again XX/XX/XXXX. XXXX allowed Navy Federal Credit Union to re-insert this fraudulent account to my credit file again without my consent and nor was I provided a notice of reinsertion letter. Reinsertion occurred from XXXX XX/XX/XXXX. I demand the CFPB have XXXX provide me with their verification methods. Furthermore, I also know XXXX is completing false investigations. Interviews must be conducted in order for an investigation to take place pursuant to XXXX XXXX 1681a ( e ). XXXX has failed to provide me with the names, address and phone numbers of the neighbors friends and associates that might have knowledge of said information. I demand Transunions method of verification. XXXX has 15 days to respond with the exact names and address of who XXXX interviewed. If XXXX does not provide me with the information requested, I DEMAND A PERMANENT DELETION of the account Navy Federal Credit Union - XXXX and account number XXXX. Federal Violations Committed by Navy Federal from XXXX XXXX, XXXX through now. 15 USC 1681B, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1692b ( 2 ), 15 USC 1692J, 15 USC 1692c ( c ), 15 USC 1692c ( c ) ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ) ,15 USC 1692d ( 4 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), 15 USC 6827 ( 4 ) ( A ), 15 USC 6827 ( 4 ) ( B ) ,12 CFR 1006.6 ( c ) ( 2 ) Federal Violations Committed by XXXX XXXX XXXX on behalf of Navy Federal Credit Union from XX/XX/XXXX through now 15 USC 1692J, 15 USC 1602 ( k ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 4 ), 15 USC 1692e ( 3 ), 15 USC 1692e ( 10 ), 15 USC 1692e ( 15 ), 15 USC 1692f ( 1 ), 15 USC 1692f ( 7 ) Federal Violations Committed by XXXX from XX/XX/XXXX through now 15 USC 1681B, 15 USC 1681c-2, 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), 15 USC 1692j , 15 USC 1692b ( 2 ), 15 USC 1692e ( 8 ) 15 USC 1692e ( 10 ), 15 USC 1681s-2 ( 7 ) ( A ) ( E ), 15 USC 1681s-2 ( 7 ) ( E ) Neither Navy Federal Credit Union nor XXXX have asked my consent to report on my credit reports/files either. That is a direct violation of 15 USC 1681 ( B ). I demand the CFPB step in and take action because these debt collections practices are unfair and causing grave harm to my life. XXXX has my authorization to proceed with this complaint. | ||||||
| 07/29/2022 | Yes |
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| I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by NAVY FEDERAL CREDIT UNION Account # XXXX And NAVY FEDERAL CREDIT UNION Account # XXXX. NAVY FEDERAL CREDIT UNION closed my accounts on XX/XX/2017, XX/XX/2017 they NEVER SENT ME in all those years a Pre Adverse Notices, or NEVER SENT ME a Adverse Action Notices. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). NAVY FEDERAL CREDIT UNION never informed me of my rights. NAVY FEDERAL CREDIT UNION has the obligation to correct action. ECOA protections extend through life of loan. This comes about after a consumer sued XXXX XXXX XXXX for closing his credit card account without providing an explanation ( as required under the ECOA ). The CFPB had filed a friend of the court brief in that case, stating that the ECOAs crucial protections against credit discrimination do not disappear the moment that credit is extended. Rather, ECOA shields existing borrowers from discrimination in all aspects of a credit arrangement. And on XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts over 5 years in writing including certified mail starting in XXXX to let NAVY FEDERAL CREDIT UNION know about the many violations and discrimination and under TILA & BILLING ERRORS 15 USC 1666 falsely furnishing negative damaging information " late payments and charge off " on these accounts. I have tried to explain multiple times over the years to NAVY FEDERAL CREDIT UNION what the FEDERAL LAWS says in FCRA 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions ORIGINATE FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT " I EXTEND CREDIT '' and it is my right to operate in commerce. Does NAVY FEDERAL CREDIT UNION know OR care what happens when penalties for not complying with the ECOA happen? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. Not only is NAVY FEDERAL CREDIT UNION appear to be discriminating against me and denying me extending credit they have been damaging my credit worthiness for 5 years now, there tarnishing my name by furnishing negative information " late payments and chargeoffs '' on my consumer reports as a way of coercion to pay these alleged debts which is " false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. It is UNJUST ENRICHMENT and Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which NAVY FEDERAL CREDIT UNION NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information " late payments & charge offs '' on my consumer reports? I don't know maybe coercion, extortion, and wanting me to be quiet while I'm being violated and discriminated against these past 5 years but I'm not going to be silent anymore or be in fear by them. Also there violating my privacy rights under the GRAMM-LEACH -BLILEY ACT by furnishing, spreading, around for profit my NON PUBLIC PERSONAL INFORMATION to non affiliated third parties. I never gave then my lawful or legal consent to share my information. And how can NAVY FEDERAL CREDIT UNION say '' I owe '' this alleged debt and by them assuming this role to falsely believe they have the Power & Authority to close my accounts when FEDERAL LAW clearly states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES that's what that Federal Law is clearly stating so NAVY FEDERAL CREDIT UNION can not use the excuse " because the consumers lack of untimely payments '' as reason to of closed my accounts. I'm just trying to make it crystal clear that I have strong reason that under ECOA there is some Violations and Discrimination occurring. And there is no Law that states a " a drop in a consumers credit score '' is valid reason to deny or cancel a consumers extension of credit. So NAVY FEDERAL CREDIT UNION legally, or lawfully CAN NOT state that either. I'm asking the CFPB to draw on its authority to police unfair, deceptive and abusive practices to rein in lending discrimination against NAVY FEDERRAL CREDIT UNION against me. | ||||||
| 11/08/2021 | Yes |
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| 1. NAVY FEDERAL CR UNION Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with NAVY FEDERAL CR UNION and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX | ||||||
| 08/01/2020 | Yes |
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Web | Servicemember |
| I, XXXX XXXX, applied for a mortgage loan application with Navy Federal Credit Union on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX who is my loan officer. I received a pre-approval on XX/XX/2020 for {$160000.00} as I was asked by the loan officer for the price point that I suggested. While looking in the market I wasn't able to find anything so I requested an increase for the pre-approval amount of {$200000.00}. I was granted the pre-approval increase with my XXXX saving account of {$10000.00}, business income from XX/XX/2020 - XX/XX/2020 totaling {$7700.00}, and employer 's income with the pay stubs given and I began my home search. I submitted all of my documents to the loan processor XXXX XXXX ( XXXX ) who called me and went over and reviewed all of my documents with me. XXXX days later I kept emailing her and she went ghost and suddenly disappeared. After a week and half later of multiple calls and unanswered email, I finally received an email from XXXX " XXXX '' XXXX ( XXXX ) saying he is taking over my loan application as XXXX fell ill but he can't find none of my paperwork. XXXX then asked me to resend all of my paperwork to him. That was frustrating as all of my paperwork was uploaded into Navy Federal system so how did my paperwork all of a sudden disappear. I took time off to put all of my paperwork together again and uploaded and forwarded it XXXX XXXX XXXX more time. It is frustrating all around to deal with XXXX XXXX who does not respond to email immediately. XXXX respond to my emails after every XXXX to 3 days which is exasperating for a minority female like myself. Everyone of Navy Federal employees has been treating me unruly as if I am worthless and unethical. I found a property at XXXX XXXX XXXX XXXX, XXXX XXXX, FL for {$190000.00} and put in a contract with a closing date of XX/XX/2020. I received a denial on XX/XX/2020 stating the " income insufficient for amount of credit requested. '' Since I did not disclose my other saving account because I did not know I would have needed to mention it so I decided to appeal on XX/XX/2020 and state my income in my checking account with XXXX XXXX that totals {$15000.00}. The loan processor sent the appeal package with the paperwork showing my XXXX XXXX account, a XXXX XXXX XXXX sheet for my business income, my XXXX account balance, and my updated pay stubs on XX/XX/2020. I received a letter dated XX/XX/2020 stating my loan application would remain denied again due to lack of income. The loan application was denied XXXX days prior to any review of my documentations that the loan processor submitted on XX/XX/2020. XXXX XXXX reviewed my appeal documents and with his expertise in his loan processing field advised all documents are sufficient and we should not have any problems. Why was it denied on XX/XX/2020 when the appeal package was submitted on XX/XX/2020? What is the reason for the denial and the XXXX denial was made prior to the documents being received from XXXX XXXX. I feel discriminated against because of my XXXX American ethnicity and my XXXX XXXX XXXX age limit. There is no reason I should have had to submit my loan documents XXXX times. I have been stressed out from the moment I was asked to resubmit all of my paperwork again with a major Fortune XXXX mortgage company that I uploaded all of my paperwork to after XXXX XXXX went unexpectedly missing. How can an application get denied prior to being reviewed with all the necessary appeal paperwork? The appeal package was sent again on XX/XX/2020 and the application got denied on XX/XX/2020 for the XXXX time. That was the XXXX denial letter I received prior to appealing. This is absurb and ludicrous. I will not stand for this type of treatment. I am being discriminated against for unknown reason that will be discovered. I advised XXXX XXXX to please forward all of my paperwork to XXXX XXXX so I don't have to submit them again to another loan processor because they are missing and nowhere to be found. To mentioned, XXXX XXXX decided to send me an email at XXXX on a Friday afternoon prior to going on a week long vacation. This behavior goes to prove that he purposely sent the email at the end of his work day and eliminating himself from working on my file for the upcoming week saying he will be on vacation. This happened to someone else who advise me this is how the underwriting department operates. I was told by a previous client that their loan application was randomly closed without any contact to them or their realtor. They have employees who are twirling their fingers at their desk and not doing their job causing me major XXXX and flaring up of my anxiety. I work hard for a minority female like myself. I work over XXXX hours a week, I own my own business, and I am very devoted and meticulous about my credit profile. Therefore, I should not be treated as if I am unethical or immoral. I emailed XXXX XXXX XXXX my original loan XXXX XXXX on XX/XX/2020 advising can he please gather all of my paperwork to avoid my paperwork from disappearing. First, all of my paperwork all of sudden disappeared. Secondly, the loan processor got sick and my application had to be transferred to another processor. Third, I had to regather all of the documents and resend for processing because my paperwork had vanished and none of my documents could be located. Fourth, I receive a denial letter and I submitted new evidence for an appeal and my application gets denied again after a few days without the appeal paperwork ever being reviewed. I have provided and given all necessary information to process my application and yet my paperwork is being thrown around in an office without proper processing. I want my loan application to be reopened and processed correctly. I am contacting an attorney to report this horrible experience I had to endure with Navy Federal Credit Union Mortgage XXXX XXXX department. | ||||||
| 09/28/2021 | Yes |
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| Dear Sir or Madam, *1. NAVY FCU Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with NAVY FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 11/24/2021 | Yes |
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| Dear Sir or Madam, 1. NAVY FCU Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX. I immediately disputed this information with NAVY FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX | ||||||
| 04/12/2023 | Yes |
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| Dear Sir or Madam, XXXX. NAVY FCU Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with NAVY FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 12/21/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. Navy Federal Credit Union & BAXXXX. {$4300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. XXXXBlock. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 11/06/2021 | Yes |
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| Beginning in XXXX of XXXX, my Navy Federal Credit Union account XXXX in XXXX began to have rolling overdraft fees that were originally started by two transactions that I did not authorize, and which were since refunded. Transaction # 1 - XXXX {$630.00} / XX/XX/XXXX Transaction # 2- XXXX XXXX {$200.00}/ XXXX, XXXX, XXXX. I was informed by XXXX on XX/XX/XXXX that the item was cancelled and I was due a refund. I was told that the refund was processed and to expect it soon. On XX/XX/XXXX XXXX informed me that a manual 'push-refund ' was started by a back-office department and would reflect on my card in 2-3 days. After waiting for nearly a month, XXXX told me that the refund " was not correctly processed by the manual team and it will be resubmitted for processing. '' Still, no refund. On XX/XX/XXXX I once-again contacted XXXX and was told that the refund still hadn't been processed, paperwork was not properly filed, and it would be processed in 2-3 working days. Today, XX/XX/XXXX I finally see that the refund has processed into my account. This refund was initially promised to me on XX/XX/XXXX, then again on XXXX, XX/XX/XXXX, and finally processed nearly three months after the initial purchase which I was told was stopped and should have been refunded immediately. This situation led to a cascading amount of fees. Had this {$630.00} not been removed from my account, I would not have been charged fees. On XX/XX/XXXX XXXX XXXX took a {$200.00} ACH out of my account. I immediately contacted XXXX XXXX and was informed that this was an error on their end and they would refund the money. I asked on a processing timeframe and they said that any money due back into my account would take up to 20 business days to process, even though this transaction was not originally approved by me. On XX/XX/XXXX I was finally refunded the {$200.00} which was removed from my account on XX/XX/XXXX. XXXX said that they apologized for the issue, and while they did rectify the issue by refunding me the amount, they were not liable for any fees that my financial institution charged on my account, as it was not with XXXX XXXX. When the first XXXX charge was taken from my account, I contacted NFCU and was informed that Navy Federal would work with XXXX, would open a dispute if needed, and would refund any fees that were charged to my account which resulted from this charge and funds being removed from my account. I clarified with the agent on the phone and she said yes, any fees that result from this charge will be refunded. We will recalculate your daily balance as if this {$630.00} never left your account and will refund any fees. I was also told the same thing in XXXX when I called in regarding the XXXX XXXX transaction. My daily balance would be recalculated from the date of the original transaction and if it ended the day positive, no {$20.00} OOPS fee would be assessed. I will list the fees I was charged, the ending daily balance, and what it would have been had the value of the transactions been in my account. They are listed in order they were charged, beginning XX/XX/XXXX and ending XXXX. Total Fees charged in XXXX due to XXXX Charge {$20.00} ( XXXX {$20.00} OOPS fee ) Total Fees charged in XXXX due to XXXX Charges {$160.00} ( XXXX {$20.00} OOPS fees and XXXX {$29.00} Returned Item Charge ) Total Fees Charged in XXXX due to XXXX {$100.00} ( XXXX {$20.00} OOPS fees ) *One {$20.00} fee was refunded by a phone agent as she saw the havoc that this was doing to my account, but was unable to return more without management approval* Total Fees Charged XX/XX/XXXX-XX/XX/XXXX due to these transactions not yet being refunded {$60.00} ( XXXX {$20.00} OOPS fees ) I am seeking a refund of {$280.00} in fees charged from XX/XX/XXXX to XX/XX/XXXX 1 ) XX/XX/XXXX OOPS Fee {$20.00} Ending Balance $ XXXX ( $ XXXX after fee ) Adjusted {$490.00} ( {$510.00} with fee added back ) 2 ) XX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( {$120.00} after fee ) Adjusted {$740.00} ( {$760.00} with fee added back ) 3 ) XX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( {$320.00} after fee ) Adjusted {$940.00} ( {$960.00} with fee added back ) START OF FEES AFTER XXXX XXXX {$200.00} AND XXXX {$630.00} ARE BOTH MISSING FROM ACCOUNT 4 ) XX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( $ XXXX after fee ) Adjusted {$760.00} ( {$780.00} with fee added back 5 ) XX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( - {$420.00} after fee ) Adjusted {$430.00} ( {$450.00} after fee added back ) 6 ) XX/XX/XXXX Returned Item Fee XXXX {$29.00}. This charge would have posted to my account and would have been paid as my balance would have been positive. 7 ) XXXXXX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( $ XXXX after fee ). Adjusted Bal {$520.00} ( XXXX with fee ) 8 XX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( - {$520.00} after fee ) Adjusted Bal {$330.00} ( {$350.00} with fee added back ) 9 ) XX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( $ XXXX after fee ) Adjusted Bal {$420.00} ( {$440.00} with fee added back ) 10 ) XX/XX/XXXX OOPS fee {$20.00} Ending Bal $ XXXX ( $ XXXX after fee ) Adjusted Bal {$770.00} ( {$790.00} after fee added back ) 11 ) XX/XX/XXXX OOPS fee {$20.00} Ending Bal $ XXXX ( XXXX after fee ) Adjusted Bal {$760.00} ( {$780.00} after fee added back ) XX/XX/XXXX {$200.00} XXXX XXXX FEE REFUNDED AND ADDED BACK TO BALANCE. 12 ) XX/XX/XXXX OOPS FEE {$20.00} Ending Bal $ XXXX ( XXXX after fee ) Adjusted Bal {$940.00} ( {$960.00} with fee refund ) 13 ) XX/XX/XXXX OOPS FEE {$20.00} Ending Bal $ XXXX ( {$390.00} after fee ) Adjusted Bal {$250.00} ( {$270.00} with fee ) 14 ) XX/XX/XXXX OOPS FEE {$20.00} THIS WAS CREDITED BACK BY CUSTOMER SERVICE DUE TO A REFUND OCCURING ON THE ORIGINAL CHARGE All other remaining OOPS fee From XX/XX/XXXX to current I am not seeking a refund on. | ||||||
| 02/25/2021 | Yes |
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| On XX/XX/XXXX I applied for VA Home Loan with Navy Federal Credit Union and was approved. Navy Federal Credit Union used their Realty Plus Program to assign me an agent and they promise to give me a check for {$1400.00} if I used their agent. I drove 10 hours to Florida from Tennessee to meet the assigned agent. He was not interested in helping me find homes. When I visited a new construction model to talk to the onsite agent about buying a home ; the agent at the site refused to show me a home because he said I had to be with my agent to show me a home. I spent at least a {$1000.00} on that wasted trip to Florida. I drove back to TN with no home. My XXXX XXXX issue flared up and I was XXXX for a week because of that 20 plus hour drive and wasted my money. Navy Federal CU Realty Plus program assigned me an agent for Georgia and his name is XXXX XXXX of XXXX XXXX. He asked me to come to Georgia on XX/XX/XXXX. We were snowed in and I told him I will not endanger my life driving in 4 inch snow and ice 400 miles. He emailed me on XX/XX/XXXX asking me when will I come to Georgia. I replied that I will arrive Saturday, XX/XX/XXXX. I drove 8 hours on icy highway for 400 miles. The trip usually takes 5 hours but due to the road conditions ; it took 8. It was dangerous because of many hours of driving on ice. When I arrived I called XXXX XXXX and he refused to meet me to show me homes. I drove around to find myself a home. My XXXX XXXX XXXX was in so much XXXX from the drive. XXXX XXXX texted me later to meet with him at XXXX XXXX XXXXn Sunday, XX/XX/XXXX. Again he was a no show. I called Navy Federal Credit Union loan officers ; XXXX XXXX and XXXX XXXX as well as the Realty Plus coordinator that assigned XXXX XXXX. The coordinator name XXXX XXXX was very nasty with me and she was not concerned at all about the no show of the agent she referred and me being so far away from home and in distress. I told XXXX XXXX if she can get any agent to meet me so I can find a home but she hung up and did not call me back. No one would help me or cared less. I drove to XXXX XXXX Georgia New Construction model and talked on the phone with XXXX XXXX and request that he show up with me to look at homes and bid on a contract. I adamantly informed him that I drove 8 hours in snow and ice with a bad back, in pain to sign a contract for a home. He talked condescending to me and he refuse to show up. I was so tired, in pain and upset by how he mistreated me and talked down to me that I did not go inside the model to talk with anyone. I drove back to XXXX and checked in a hotel. On XX/XX/XXXX I drove to XXXX XXXX XXXX Georgia New Construction model again and talked with XXXX XXXX XXXX builders agent and she showed me a home and I told her I had an agent but he was a no show and fired himself. She asked me his name and she phoned him and told him she will put his name on the contract as my agent. She emailed him the contract and he signed it without talking or meeting with me. XXXX XXXX took a picture of my Driver 's License and Veteran ID card with her personal cell phone. I was shocked when she did this because I did not know she took a picture of my driver license because when I went to the car to get my VA id card I left my license with her. She later told me she took a picture of that too. I did not give her permission to take pictures of my driver license or my Veteran id card. I am very concerned about identity theft especially being a XXXX Veteran and she was made aware by me and by my loan officer that I am a XXXX Veteran. I did not sign the contract yet. XXXX XXXX did not disclose to me anything in the contract. She did not print it out for me. She did not tell me about the fact that the garage will not be painted. She did not tell be that I have to buy garage door openers myself. She did not provide any disclosures. I emailed XXXX XXXX and told her I want to do a home inspection and want a contingency clause for home inspection. She ignores my emails and she also refuse to talk to me on the phone anymore. Again, I am concerned about identity theft because she took a picture of my driver license and Veteran picture and id card with her personal cell phone without my permission. She is not to be trusted. I am so upset about this and hated that I walked into that office. XXXX XXXX still is on the contract and still refuses to talk to me or answer contract questions or represent me. On XX/XX/XXXX I emailed XXXX XXXX with questions about the contract because I did not understand some things in it and I needed clarification on other issues in the contract. He ignored my email. I then called Loan Officer, XXXX XXXX and the Realty Plus Coordinator. Finally, XXXX XXXX called me and I said you signed the contract and therefore you represent me and suppose to work for me. XXXX XXXX replied, " I don't represent you nor work for you, I represent myself '' and he hung up. His name is still on the contract as my agent. I drove back to TN on XX/XX/XXXX with no answer to my questions and apparently no agent. I am so frustrated with how Navy Federal Credit Union, Realty Plus and these agents that they assigned me has mistreated me in the home buying process. They all know I am a XXXX Veteran and a Woman. I feel that I am being treated differently for the above reasons. I feel that I am surrounded by alot of blood thirsty sharks that only want to satisfy their thirst and greed. On today, XX/XX/XXXX XXXX got an email from XXXX XXXX stating that my contract was cancelled. They still have my {$500.00} earnest money. This whole thing feels like an attack by XXXX XXXX, XXXX XXXX and XXXX XXXX. I want something done about this and I hope this does not happen to another Veteran and Woman trying to buy a home for their family and children. Sincerely, XXXX XXXX, XXXX | ||||||
| 02/08/2022 | Yes |
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| To whom it may concern, Re : XXXX XXXX XXXX XXXX Auto loan financed with Navy Federal Credit Union This is a formal complaint against Navy Federal Credit Unions Collateral Control dept. My husband and I had refinanced his truck through Navy Federal Credit Union XX/XX/XXXX from XXXX XXXX at a much lower interest rate. At this time, we agreed to the terms and conditions of presenting a new title to Navy Federal with them listed as the new lien holder. In order to complete this we had to pay off the present loan with XXXXXXXX XXXX and they would send us a lien release to take to the local agency to apply for the new title. I waited over a month for this to come in the mail and it never showed up. I called XXXX XXXX to follow up on the status of this. Their title department advised me they sent this to the corporate branch for Navy federal in Virginia. I was sent a letter and received a phone call from Navy Federal to bring a copy of our title up to the branch to have them scan into their system. At this time, I took off of work to go into the bank and have them scan the title. The title we had still name XXXX XXXX as the lien holder which I explained to the lady at the XXXX XXXX OK branch, what was going on. She said thats okay if they have the lien, they are able to file for the new title on our behalf for a small fee. I okayed them to charge me the fee so that I wouldnt have to take more time off of work to get this completed. Another month went by I receive another letter from Navy saying they needed the new title. I took off of work again and drove to the bank in XXXX XXXX and called the customer service number to speak with someone in the title dept at Navy Federal who said she was noting the account really well of all our efforts and could see my prior calls that we are trying to resolve this matter and someone would call me back. I never received a returned call. When I got the Navy Federal, they lady said they didnt have a copy of the title. I explained once again what was going on, she apologized and asked that I give her the title to scan into the system again. She assured me this would be taken care of and she could see in the file they did have the lien release from XXXXXXXX XXXX Almost 2 more months went by I heard nothing until I receive an email and call from Navy Federal ( see email attached ) This email is advising me our loan interest rate will change if we do not take care of the issue. At this time, I called Navy federal again spoke with someone in title dept who said it may be best that I go up to branch to resolve this matter. I took off of work again, drove to XXXX XXXX Ok ( 40 mins away ) sat down with a branch representative who advised the lien release they have on file from XXXX XXXX was never signed therefore it was not valid. I asked her to call XXXX XXXX with me in the branch, she did ; I spoke with the XXXX XXXX title rep gave permission for them to speak with Navy Federal. At this time the Navy federal rep explained to them the copy they sent was not signed they need a new copy mailed out. She told them the send the copy to XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Attn : XXXX. She assured me they were going to send a new signed lien release out right away. Navy Federal may ask me to authorize them request the new title once they receive the new lien release. I left and went back to work ( see attached letter ). Yesterday XX/XX/XXXX I receive a letter from the collateral Control dept at Navy Federal stating my loan no longer qualifies for a collateral loan and has been converted to an unsecured loan with an increased interest rate of over 11 % more than our current auto loan at 3.99 %. This new rate increased my payment by more than {$100.00} which at this point I have incurred financial damages and want someone held accountable. This is unacceptable business practice. I immediately called Navy Federal and requested an escalation to a manager to fix this. They advised me they would have to call me back within 24 hours and that they have put in a request to hold the account, but I may still be charged, and they would not refund me any excess monies. This request can take 3-5 days to process. At this time, they were made aware my next move would be to put in a formal complaint to the CFPB. The next business day XX/XX/XXXX I receive a voicemail from Navy Federal, but my phone does not ring. They leave a message dont say their name or reason for the call. They provided me a generic callback number of XXXX. I call right away and get the customer service rep on the phone verify who I am, she says she sees who called me and why, but would not give me her direct number or name and put me on hold to see if she could get her on the line. After two attempts she comes back saying the lady is not available and put in a escalation request to have her call me right back. I should get a call back in about 30 minutes to 1 hour. This was at XXXX the time is not XXXX on XX/XX/XXXX I still have not received a returned phone call. I called XXXXXXXX XXXX request to speak with a manager in their titling dept and explained the reason for my call. Was transferred XXXX who advised me they sent a second copy of the lien release ( signed ) on XX/XX/XXXX to Navy Federal the address they requested to the Attention of XXXX. In XXXX XXXX XXXX XXXX advised me she could send another copy overnight certified with tracking needing a signature if I could tell her a physical address for Navy Federal and a persons name to make it attention to. This information I do not have. I have requested XXXX XXXX send the copy to my address, however Im not sure they will do that. I advised them I would take the release up to Navy Federal Branch in XXXX XXXX myself and handle this. I would appreciate your prompt resolution of this matter. | ||||||
| 05/17/2018 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, reached out to Navy Federal Credit Union regarding a lower monthly payment due to a loss of income. I was given the tuna-round regarding help and several agents stated that they would gather information but I never received a follow-up call. As a result when I contacted NFCU to obtain the information, I was told that no notes were in the account, no information could be found regarding what I was following up on. XX/XX/XXXX, I received another call to provide help and was told that I could use my reward points towards the balance of the card, if they could get the last month payment reduced to show a non-past due balance. Unfortunately, this action was not completed by NFCU until XX/XX/XXXX. The agent apologized for the delays and bad information in the past and provided additional information for payment solutions. As a result of the delays caused by NFCU, my payments for XX/XX/XXXX and XX/XX/XXXX were excused. During this time I reached out to the local branch for additional help getting through to NFCU because previous attempts resulted in no documentation, no call back and no results. Unfortunately, while I was waiting on the an appointment and an approved application from the debt management department, I was harassed and threaten by NFCU agents. XXXX called me several times during the day, he said it was his job and that he had to call even if I was waiting on another payment option from NFCU. I explained to him that I had an appointment on XX/XX/XXXX at XXXX with XXXX and that I would be working with her to resolve the account and that there was no reason to call me everyday because I was not going to start one option with him without first speaking to XXXX. He stated that he could stop the calls and that he would make a note on the account. He said I could not stop the call long term because I have a past due balance. I explained that I would simply no answer the phone because it was not necessary to explain the details to every one that called, if he put notes in the system for all to see. However, within a few days after speaking with XXXX, I received a call from his supervisor XXXX. XXXX called to check the details that XXXX put in the computer because he said I sounded like I was lying just to get of the phone with NFCU and to stop the calls. I explained to XXXX that I had no reason to lie, I did have an appointment with XXXX, with whom worked for NFCU and the appointment date was still a week away. XXXX then told me that he had worked at NFCU for several years and did not know of a XXXX. I he said that I was changing the date of the meeting, making up the details regarding the meeting and just didn't want to pay the money I owed. He also said that no appointment was on file for my account and that if i was telling the truth, he would be able to see this person named XXXX, that I claimed I was meeting with. I explained to XXXX that, he was out of line for calling me a lie and trying to belittle me. I told him that I didn't appreciate it and that I did not want anymore calls regarding the account because I was working the issue and would not take being yelled at, belittled, talked over, called a lie and being accused of not wanting to pay my debt. That next week I had the appointment with XXXX and the terms she offered were not affordable. I was only given 2 options based off the balance of the account. I then requested that she simply ask for other options and she agreed to ask her supervisor for additional options. She said the review team normally takes 3-5 days to respond and then she would give call back. However, the very next day I received a call from XXXX, who worked with XXXX in the collection department. XXXX stated was extremely rude, nasty and unprofessional. She tried to argue with me regarding the details of the account and consistently talked over me, after asking me questions. I explained to her just as I had with XXXX and XXXX. She said that waiting on a response was just an excuse that I was using to not make a payment and that people were not going to try to help me if I didn't want to be helped. I explained to her that I was working with XXXX and that she was checking out a few details that would take 3-5 days for a response. XXXX then responded by saying that she saw that I spoke to XXXX and that a decision had already comeback and that she was the last option for me to get help. I told her that I had not heard from XXXX since yesterday so I was unaware of a decision because she said it would take 3-5 days. XXXX then told me that she could see the decision and I was not going to be offered anything else, i could either take the options given to me already or make the regular payments. She then reminded me of the current balance and asked me what I was looking for. I explained to her that I was looking for an affordable monthly payment. She asked what I could afford. I told her {$100.00} a month and she said, well thats not a payment that you will receive, I can do {$190.00} a month but thats the lowest. I informed her that those were the details that XXXX provided on yesterday and that I was currently awaiting another option. She then reminded me that no one was going to continue to call me for me to ask to pay {$100.00} a month. I told that was fine because I had previously asked for the calls to stop because I was aware of the balance and because the calls were all throughout the day, the people were rude and I didn't need that extra stress. XXXX then said, well if you don't want help, goodbye and the line was disconnected. As of XX/XX/XXXX I have yet to receive a phone call back from XXXX or anyone with the additional options or the results of the review team. I have called several times, left several messages but no returned phone call. I was dialing XXXX ext.XXXX. | ||||||
| 05/11/2023 | Yes |
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Web | Servicemember |
| XXXX first application was for a VA loan 5 % XXXX my house in XXXX Ohio in VA loan with XXXX fell out of contract ( buyer had financing problems and cancelled ). so XX/XX/XXXX second application did joint Conventional to include daughters income so XXXX stay low with XXXX loan. Underwriters rejected saying dormer income. on XX/XX/XXXX talked with XXXX XXXX ( assigned Mortgage officer ) who went over rates and the lowest was on website 4.375 % with 10 % down on XXXX arm so I did 3rd application and went over all numbers with XXXX XXXX with XXXX ( 10 % ) down and we were waiting for appraisal. on Monday ( appraisal financing contingency expired, so seller granted me extension till XX/XX/XXXX on financing ). application resubmitted and denied " adverse information. XXXX XXXX would not followup and had the first application resubmitted as the amount was XXXX and 6 %! that is not the rate she told me and what was online. So I called her supervisor XXXX XXXX who would not return my calls. on Tuesday morning emailed XXXX XXXX XXXX the numbers incorrect and this is Lending discrimination. We were approved with the same income XX/XX/XXXX to purchase a house XXXX XXXX and all rents were used ( 75 % of XXXX ) and we had to submit tax returns, 3 months bank statements, and all 5 leases ( which were accepted income ). We also were given the correct rate on prior approved loans. NFCU has had lawsuits on underwriting discrimination and know we are victims. All of our savings is in Navy Federal Credit Union and it is over {$300000.00}. After finally talking to XXXX at XXXX on Tuesday ( after 4 emails begging to talk to her ) she says the file marked closed and rejected because of XXXX. the system shows XXXX loan and 5 % down and rate 6.1 %. She saw the rate online which I screenshot and emailed we can put upto 20 % down. We also just got the appraisal in at XXXX so now contract price has to be lowered. So she said there was nothing she could do and stated she could not get into the file. The rate is wrong being inputed by the UW, the amount is wrong, and the product is wrong. So I emailed XXXX XXXX ( ccd Corporate VPs found on XXXX XXXX XXXX and XXXX XXXX XXXX. The email listed all of our joint income is {$18000.00} a month, XXXX my Grandson ( if he needs to be added ) and all the expenses on each property. We have over {$300000.00} in NFCU savings, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( over XXXX min ), and 2 properties with no mortgage. NET worth about XXXX and this is extreme discrimination for a loan of only XXXX when we have that much in savings! our XXXX is XXXX and the cap on XXXX XXXX XXXX XXXX XXXXs XXXX. My daughter XXXX XXXX used to work for XXXX 28 years, she did the calculations and said NFCU is violating " The Fair Housing Act ( FHA ) 1. The Equal Credit Opportunity Act ( ECOA ) 2. The Community Reinvestment Act ( CRA ) 3. '' she told me that if they dont give us the loan to take all our moeny out and close accounts because this is Overt Discrimination, Disparate Treatment and Disparate Impact. Tuesday evening after cc Corporate VPs XXXX XXXX and XXXX XXXX, a liaison called XXXX XXXX. She pulled up denied application and stayed on the phone 90 minutes going over calculations and it did not make sense. the wrong rate was put in and the downpayment still showed 5 %. New information about the gap in rental income XXXX I had to email her Building plans and the 1 time Capital improvement, those costs were deducted from rental income. So the UW did not know that and I emailed XXXX as the file was closed not allowing us to upload new information. They were suppose to send us Conditional approval stating loan could be done if more down, or if pledge loan paid off or any information what to do to continue. They just closed the file and rejected us and they never did that before. it was an unwarranted and violation to us. my Grandfather was a member, my mother was a member, my daughter and grandchildren member so we dont understand the grounds of denial. I get 2 pensions directly from the government every month XXXX and my daughter SSD XXXX, I even offered the auto payment directly out of XXXX account is XXXX! We get XXXX every month regardless to rents so there is no risk! Wednesday afternoon me & XXXX went over all the numbers : XXXX pensions XXXX SSD XXXX ( suprvr UW approve 75 % of leases rent income XXXX XXXX ) XXXX income XXXX XXXX XXXX XXXX insurance taxes hoa XXXX XXXX XXXX XXXX ins hoa * NO MORTGAGE XXXXXXXX XXXX XXXX tax + ins * NO MORTGAGE SALE PRICE IS NOW XXXX 10 % XXXX LEAVES {$320000.00} YESTERDAYS RATE 4.625 % no discount points XXXX could not get UW to approve, they keep putting 6.1 % a higher rate ( which is usually done to applicants with bad credit ) **THIS IS ONE OF THE PROBLEMS THE UW PLUGGING IN WRONG NUMBERS ON PURPOSE SO WE GET HIGHER PAYMENT AND DTI WRONG THE PAYMENT SHOULD BE {$1100.00}. THEN XXXX XXXX {$1300.00} ( WHICH WILL BE SOLD IN XXXX AND WE WILL PAYOFF THIS LOAN OR JUST REFI INTO A VA LOAN IN 6 MONTHS THIS WILL BE PAID OFF ) DEBT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- XXXX debt to income {$15000.00} x XXXX XXXX {$4400.00} NFCU must re-underwrite the last application since there is new information and this extenuating circumstance is present. Lending discrimination occurs when a credit decision is based on factors other than the applicant 's creditworthiness. THIS FEELS LIKE LENDER DISCRIMINATION. THE AMOUNT WE ARE ASKING FOR IS IN OUR SAVINGS. WE DID NOT WANT TO PAY CASH AND HAVE NO SAVINGS. IF HEAD UW APPROVES RATE 10 % DOWN AT 4.625 % THE LOAN SHOULD BE APPROVED TODAY. IF NFCU refuses to re work the application, then NFCU will get fines and penalties, litigation, and reputational harm to the lender. I will consult with a lawyer if this decision is not reversed. | ||||||
| 09/24/2020 | Yes |
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Web | Servicemember |
| I needed healthcare for my Veteran son who was going to turn XXXX years of age and age out of Healthcare coverage through XXXX XXXX and XX/XX/XXXX. He also needed XXXX coverage as soon as the XXXX coverage ended. XXXX XXXX XXXX PHONED ME AND ASKED ME IF I NEEDED HEALTHCARE. I said to the representative of XXXX XXXX XXXX what I just typed ... .his name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told him my Veteran son XXXX XXXX Just XXXX college and was not employed and was trying to help him and he wanted to get me supplemental UVA BENEFITS but that I did not want to be charged till End of XXXX when XXXX ended. I also said that we were moving and that we were unsure if we would be out of XXXX XXXX and may need family coverage for 3 of the family members. I told him also my other Veteran XXXX XXXX have VA Health and he said heres my number ... I will look into a good health plan for You after he discussed XXXX XXXX XXXX costs with me ... and I said I had to first talk to my spouse. That was XX/XX/XXXX. XX/XX/XXXX I called him and he returned my call from message I left and text to call back. He spoke to my husband and said after discussing coverage for healthcare supplemental that he would need a routing number and checking number. XXXX XXXX wanted to use a credit card But XXXX XXXX said No! He could only use checking infor for billing. We said we did not want to be billed prior to XX/XX/XXXX. He said not a problem. So HE LIES!!! But we did not know he lied. So he was a nice guy and then we got more coverage for the family and what happened was that everything he said would happen ... PACKET IN NAIL AND MEMBER CARDS ... NEVER HAPPENED. Email and that was it. And the providers were not in network that were sent. Membership for {$170.00} came out of checking # XXXX Navy Federal Credit Union XX/XX/XXXX and XX/XX/XXXX ... {$75.00} And still we had no member cards. He never returned calls! Then when XXXX called him it was XXXX XXXX CALLING XXXX XXXX and suddenly the number is now XXXX XXXX XXXX XXXX XXXX XXXX Never got the member packet nor the membership card in the mail. {$330.00} + {$20.00} for XXXX XXXX on XXXX credit card for healthcare and providers they charged us for but providers we had to pay for but they never told us! The XXXX XXXX XXXX never sent member cards either. Would not answer the phone and long hold times that disconnected. I had to spend 20 hours over 5 days and finally got through 10 minutes before they closed on a Friday. The other insurance called XXXX because he left a message to call him from the XXXX XXXX XXXX XXXX XXXX said to call that no one ever answers! So then another number was XXXX XXXX XXXX XXXX XXXX and she cancelled XXXX XXXX XXXX XXXX XXXX ... was cancelled by XXXX from the XXXX XXXX XXXX when I waited 23 minutes on hold. XXXX XX/XX/XXXX and XXXX cancelled on XX/XX/XXXX / XXXX But the other I was told from XXXX at XXXX XXXX that there is an Insurance Management Group for Market Place and there they become a Biller third party and called I XXXX XXXX XXXX XXXX XXXX again will not answer the phone! I CALLED NAVY FEDERAL CREDIT UNION AND ASKED THEM THE CHARGED ON MY # XXXX account checking joint for {$170.00} {$75.00} And I was told that the charges all from the same biller began on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and I XXXX XXXX XXXX Banker asked me to phone the biller to see if I could get them to cancel. XXXX XXXX said they are with XXXX XXXX and they would never use 3rd party for insured health members because they go through underwriting with The Golden Rule. So here this guy XXXX XXXX scammed my family and 2 Veterans out of nearly {$750.00} and my son another {$350.00} or more and through this biller on my joint account I XXXX XXXX XXXX even tried to charge again XX/XX/XXXX For {$75.00} after I closed # XXXX and opened # XXXX and NAVY FEDERAL CREDIT UNION RECEIVED A LETTER STATING WE AGREED TO TGE PURCHASE OF SERVICES. YES!!! HEALTHCARE!!! Not ... CAR INSURANCE!!! But the services for what we paid? Was for nothing! We had no coverage for Our Son XXXX because it is FRAUD! So Navy Federal would not credit our checking account for the XX/XX/XXXX charge {$170.00} Nor tge XX/XX/XXXX charge of {$75.00} because they said we agreed. We did not agree to the charges before XX/XX/XXXX and certainly not for car insurance ... if that was even provided as I doubt. I only called the number from the email XXXX received XXXX Its awful that Navy Federal told me that they would dispute it and refund it and then say they would not and it is the only fraud charge J ever reported in all my life with any bank and I am XXXX years old. My husband is XXXX and we were taken advantage of as so many are. Bring that I XXXX XXXX XXXX ARE FRAUD LIARS AND DO NOT PROVIDE TGE SERVICES BILLED FOR XXXX XXXX XXXX It is shameful. It did not cost the bank anything to see the truth here from the cover up lie. If I received services ... where are my member cards. Why didnt the bank ask for proof they sent me membership cards for healthcare that never happened. I was told I had been approved for XXXX XXXX XXXX! Then I was told XXXX XXXX XXXX! Then it was XXXX XXXX and then UVA SUPPLEMENT FOR TGESE REASONS ... NAVY FEDERAL CREDIT UNION KET ME DOWN. Never was I told when opening account that 60 days to dispute item. But. Besides all that ... I wou on d not have cancelled waiting waiting waiting for my member cards and provider list they had ne pay for? Those fees were on a credit card and the company cancelled those but the bank closed my account and opened another and would not fight to get my money returned to my funds of {$170.00} and another {$75.00}. It is really bad. Thank You XXXX and XXXX XXXX My son XXXX XXXX still has not received his cards and likely will never either. XX/XX/XXXX | ||||||
| 12/14/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Navy Federal Credit Union & BAL. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244 | ||||||
| 11/23/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX & {$XXXX} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | ||||||
| 03/11/2021 | Yes |
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| Hello, I have had extreme trouble with Navy Federal Credit Union in regards to a ATM fraud dispute. During the month of XXXX I was the victim of fraud, {$400.00} was withdrawn from a ATM using my debit card and personalized 4 digit pin, And {$400.00} was used via XXXX XXXX. As soon as I noticed I contacted Navy Federal immediately in regards to the fraud to make a claim. The first claim made was never processed it wasnt until I drove 1 hour away from my home to get a new debit card where I was notified the claim wasnt processed. I then proceeded to make a new claim at the branch. After driving an hour back home I was then notified my claim wasnt finished being processed ; I then had to finalize my claim for the third time.After all the trouble I went through to even actually file a proper claim. My claim was denied within a day, Never did a investigator nor the fraud department contact me about my claim. I then contacted Navy Federal in regards to there decision.They based there decision on the fact that My pin was used and that my card was somehow back in my possession after being stolen. I ensured them I have no idea who took my card, how this withdrawal or cashapp charge was processed.I consistently begged and pleaded with Navy Federal to properly investigate this claim ; They never properly investigated. Every time I called I received someone rudely from the fraud department telling me how odd my situation sounds and how no one would know their pin to use their card at an atm. I became a suspect in my own fraud claim.In the middle of a pandemic {$800.00} was taken from me and Navy Federal Credit Union failed to hold their agreement on their Zero Liability Policy. No matter what day or time I call I always receive someone rudely from there fraud department with no intentions on helping me in a situation I have no control over.I have even filed a police report with XXXX Pd something the fraud department ensured would overturn my denial and help me receive my credit.Instead Navy federal replied with a series of questioned to be submitted after I have already notified them of all the answers.Today I called the fraud department an another rude representative told me months after my claim that they will not gIve me any credit or help until I help find and prosecute the person who stole from me.I am not a officer of the law and I have done everything that can possibly be done. She ensured me even with an appeal I will most likely never receive a credit, I was blamed for the fraud done on my account.I have given extremely great recommendations and have had afairly good experience with navy federal until this. It upsets me to have to file a complaint but the measures the fraud department has asked me to do is extreme .In the middle of an pandemic I can not afford to lose money nor waste time finding and prosecuting someone.I trusted Navy Federal with my hard earned money and they failed me and labeled me a suspect after I spoke so highly of there company.It truly saddens me. This is a request for help response to my previous complaint in regards to the companys response. The company never reviewed my claim as asked they just provided the same information that was given to me before my complaint to the CFPB. Navy Federal is such a honored bank that I am disappointed that this company responded in such a malicious way to my complaint. Shortly after my complaint was submitted Navy Federal decided that they would restrict my debit card access for three years. I consistently called the company in questioning as to why was this hold was placed on my account, none of the representatives knew of why this hold was placed there ; it was very unusual for them to see such a hold. I spoke with one Representative in the fraud department which told me this was placed on my account in result of my claim for {$800.00}. I have never heard of restricting debit card access because of a claim. I have already traveled to the bank and replaced the debit card the fraud was done on. Not only was I informed I can not use my debit card I was also notified That I couldnt transfer money or Bill pay. After a visit to the branch I was notified that I could not receive nor deposit money into my account because of holds My account was technically closed internally. I have reached out several times as to why these unreasonable restrictions were placed on my account and I still have never received any letter, notification, nor a proper answer as to why. After my initial claim I still had full access to my account including my debit card. It was not until I filed my complaint did I lose all access to my account. What steps were taken in review to my account? What could I possibly do to receive debit card restriction for 3 years? The company has not reached out to me for any additional information so I highly doubt there was ever a proper review to my claim.Still I am being told that because the chip and pin was used that my claim is denied. Does the chip and pin clarify fraud. Pins are able to be compromised it is not impossible. Due to Navy Federals Hold on depositing cash or any forms of payment I am unable to bring the balance from negative in which the fraud done on my account have caused and my account will close if it has not already. Navy Federals response will most likely be now that my account has closed so they can not resolve the problem. This was a unacceptable way to respond to my complaint the unnecessary holds never occurred until I was forced to complain.Also the contact number and extension given on the cfpb has not responded nor answered any phone calls since the information was given. Also I have contacted the number for XXXX XXXX three times a week for two months and have never reviewed a answer. | ||||||
| 09/28/2021 | Yes |
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| Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NAVY FCU A bal. {$47000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX | ||||||
| 12/20/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NAVY FCU # XXXX {$2500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 07/07/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NAVY FCU bal {$1000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 08/27/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NAVY FCU bal. {$7700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 08/11/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NAVY FCU bal. {$2100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 04/05/2022 | Yes |
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| 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor lender executor, administrator, holder in due course for any and all derivatives thereof for the surname XXXX, XXXX, and I have been appointed and accepted being the executor both public and private for all matters proceedings, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Navy Federal Credit Union I am requesting the accounting history of my alleged debt pursuant 9 -210 Request for Accounting : Request regarding list of collateral or statement of account. The reason for this request is because during my validation of debt request, NFCU sent me the name and address of the original creditor pursuant to 15 U.S.C 1692g. The documentary evidence I received from you, named me the original creditor ; it contained may name, address, without my signature. Please produce a signed copy of the promissory with my signature, agreeing to terms. The documentary evidence also shows a positive balance on my NFCU account, with an attached disclaimer saying Your account information is being provided for informational purposes only. Providing you with this information is not an attempt collect a debt. Account balance is positive, like you funded my account. But you report negative and inaccurate ( LATE PAYMENTS ) information to the XXXX major credit bureaus, which is a violation to Truth in Lending of 15 USC 1666b Timing of Payments, documentary evidence shows that there was a Finance Charge connected to this transaction. Pursuant 15 USC 1605 Determination of a finance charge, 'the finance charge is the sum of all charges '' so there should be no late payments, you were paid in full at time of this transaction. Remove all late payments immediately/produce signed copy of promissory note with my wet signature. Banks/Financial Institutions dont have the ability or power to loan money. Pursuant 15 USC 1602g, I am the creditor. Federal law of courts and various judgements have made it clear banks cant loan money they only borrow from consumers. Banks are in the business of purchasing securities, but in this case, there is no securities interest to be purchased. And pursuant 12 U.S.C. 1431 Powers and Duties of Banks, banks/financial institutions cant loan money. This is why I've asked for debt validation pursuant to federal consumer law. The process only gave me clear verification that I am the original creditor. The documentary evidence/accounting I am asking for will show this debt is already paid for or never existed. This alleged debt originated from my SSN card, which is a existing device use for credit. What is the universal document youre asked for in every consumer credit transaction i.e. credit card, mortgage, car loans? 15 U.S.C. 1602 ( l ) The term credit card means any card, plate, coupon book, or other credit devise existing for the purpose of obtaining money, property, labor or services on credit. My SSN belongs to the social security administration, and anything purchased with my social is the obligation of the United States, thats pursuant 18 U.S.C 8 Obligations or other securities of the United States. XXXX will be happy to settle any financial obligation I might lawfully owe as soon as I receive the following documentation from you ; Accounting pursuant UCC 9-210, Validation of debt pursuant to 15 U.S.C 1692g, of the Fair Debt Collection Act. The actual accounting, verification of the claim against me. A sworn affidavit or a hand signed invoice in the accordance of the Bill of exchange act 1882 Uniform of Commercial Codes Federal Fair Credit Reporting Act and the Georgia State statues of lawful purposes. The copy of a contract signed by both parties, birth parties and therefore binding both parties, please also provide me with a true and certified copy. Not a photocopy of the original note credit agreement under penalty of perjury and the unlimited liability and confirm the note has not been sold. Please also confirm the name of the individual who is the duly authorized representative from your company who has carried out the due diligence under the money laundering regulations XXXX and what actions he has taken in relations to this account. I hereby have given you 10 days to reply to this notice, from the above date. With a notice to send the recorded post, signed under full commercial liability and penalty of perjury assuring and promising me all the replies and details given to the above request are true and without deception, fraud or mischief. Your said failure to provide the affirmation documentation within 10 days from the above date to validate the debt will constitute in the agreement to the following terms that the debt didnt exist in the first place or the has already been paid in full. And that any damages suffered you will be held culpable, and any negative marks made to a credit reference agency will be removed immediately. You will no longer pursue this matter any further and you agree to pay all fee schedules. Please note I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone, should you do so I must warn you that calls could constitute harassment and I may take action under Section # 1 of the Protection of Harassment Act 1997 and the Administration of Justice Act 1970, S40, which makes all criminal offense for the creditor or a creditors agent to make demands for money which are aimed at causing alarm, distress, or humiliation because of their frequency or manner. 1. Validate this according to 15 USC 1692g 2. Remove any all late payments 3. Remove Nave Federal Credit Union from my consumer reports. | ||||||
| 12/04/2023 | Yes |
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| I filed complaint with XXXX against 2 sellers for two different purchases that I didnt receive. After trying to contact these sellers on a number of occasions to rectify issue XXXX stepped in. I also notified navy federal a week later as an extra percaution. On XX/XX/XXXX, I received 2 mails from navy federal regarding two charges. One of the charges was in the amount of {$900.00} and the other was for {$830.00}. Navy federal stated that they were issuing me a temporary credit for {$830.00} for one charge disputed, and investigating the XXXX no temporary credit would be issued until after their investigation. I received email from XXXX that two disputes of items not received that I had filed with XXXX were adjudicated in my favor, resulting in both amounts being refunded back to my navy federal debit card. Subsequently, XXXX informed me of the refund for both complaints. However, Navy Federal credited only one of the refunds, amounting to {$830.00}, while there wasnt a temporary credit for the other charge totaling {$900.00} issued by navy federal. When they credit were applied back to my checking account, I was unaware of an outstanding debt of {$1000.00}, I discovered an overdraft in my account, prompting me to seek clarification. They said it was relating to the {$830.00} temporary credit i was given relating to dispute. I stated both credits were refunded by XXXX on the same day. They stated they will look into it. I requested to set up a payment arrangement to pay down the negative balance. The representative said I had 60 days to pay it but didnt set up a payment plan as I requested. Upon contacting Navy Federal on XX/XX/XXXX after seeing my SSI deposit was pending to my savings account..it showed a balance in my account of {$89.00} and a few cents that would be available rather than the full amount of the ssi deposit. The representative informed me it was in my savings and it wasnt applied to my checking over draft. I informed them that they cant use sis to pay a debt or garnish it to satisfy negative. I reiterating stating that, its not showing that I will have my full ssi benefit amount available. I also mentioned that It shows on my mobile app that youre taking my deposit to cover the {$1000.00} overdraft from XXXX, representative informed me that that wasnt going to happen. The next day I find that they had debited the full amount from my savings account without authorization or notification and applied it to negative checking account. Despite their assurance that my savings would remain untouched, they unilaterally transferred {$1000.00} from my savings to cover my checking account deficit. Notably, my attempt to make payment arrangements within the provided 60-day window was preempted by this unauthorized transfer. Moreover, when inquiring about the status of my Social Security Income ( SSI ) funds, a supervisor acknowledged the deposit but revealed it was placed on hold. Despite assurances that the funds were secure in my savings account, Navy Federal surreptitiously utilized these funds to settle my debt without adhering to the requisite notification protocols. HERE 'S THE LAW Compilation of the Social Security Laws Sec. 207. [ 42 U.S.C. 407 ] ( a ) The right of any person to any future payment under this title shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. ( b ) No other provision of law, enacted before, on, or after the date of the enactment of this section [ 126 ], may be construed to limit, supersede, or otherwise modify the provisions of this section except to the extent that it does so by express reference to this section NAVY FEDERAL SHOWS ... A 'PATTERN OF PRACTICE ' Violation of FDCPA Relevant Law : FDCPA ( 15 U.S.C. 1692 et seq. ) Potential Violation : Various provisions, including Sections 1692d, 1692e, and 1692f. Explanation : Defendant 's actions constitute FDCPA violations, encompassing deceptive, misleading, and unfair practices in debt collection. The provisions of section 207 ( a ) of the Act ( 42 U.S.C. 407 ( a ), prohibiting attachment of benefits, are specifically made applicable to Supplemental Security Income ( SSI ) benefits pursuant to section 1631 ( d ) ( 1 ) of the Act ( 42 U.S.C. 1383 ( d ) ). Federal regulations at 5 CFR 581.104 ( j ) also specify that SSI benefits are not subject to garnishment. Potential Violation : Sections 1692 ( b ) and other relevant provisions, in conjunction with constitutional due process rights. It is essential to highlight that during the account setup, I explicitly declined the option to link my savings and checking accounts. This decision was made clear to Navy Federal representatives. Nevertheless, they violated this preference and moved funds from my savings to checking, contrary to my explicit instructions. This unilateral action, without proper notification or adherence to established protocols, constitutes a violation of my rights, especially regarding the use of SSI funds. Navy Federal 's actions are inconsistent with the treatment prescribed for Supplemental Security Income recipients, who are entitled to receive prior notification before any garnishment. In summary, Navy Federal 's unauthorized transfer of funds from my savings account, the lack of notification, and the contravention of established preferences represent a serious violation of banking protocols and infringe upon my rights as an account holder. Footnote : CFPB Orders Navy Federal Credit Union to Pay {$28.00} XXXX for Improper Debt Collection Actions. https : XXXX | ||||||
| 03/26/2019 | Yes |
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Web | Servicemember |
| XX/XX/XXXX navy Federal was taking money out of my account to pay my primary mortgage they did this many times which left me with no money to pay my others property. I went to loss mitigation for help I filled all paperwork and had to Leave town my father hat stage XXXX XXXX I checked to see if they had everything before I left and was told they did. My renters told me the got foreclosure paperwork Im like what Im in loss mitigation i get back home calling no one will talk to me waiting for a supervisor to never called. I was told they stopped because paperwork was missing I say I was told you had everything but the didnt have my health insurance proff of payment. Well they had one year bank statements from all my accounts so they did have it and the paperwork said I had 60 days to get all info in so a rep brought this to there attention and I had to resend everything and I did now they are telling no because the property was empty well the had my lease on file cause I had to send it in as part of my paperwork. Now in XX/XX/XXXX and then Im told they dont need insurance paperwork and dont know why I was asked to send it in and XXXX told me she was the one handling this and she called the bank and they called me to ask if someone live there and I said no. This never happened why would I say no when you have my lease and she read it to me. XXXX XXXX the supervisor told me they dont call about the property they have a team thats goes out to the property. I told her since yo record all calls tell me who called and when. Still waiting to hear. Been calling since XX/XX/XXXX and get nothing but answer machines all ways in meetings when I call left many messages with the loan department to nothing. I had to file for bankruptcy to save my property it was going good until navy fed did not send my {$1700.00} cashiers check that I order so my Bankruptcy was dismisse in XX/XX/XXXX I ordered it XX/XX/XXXX. Now the had not got a payment for XX/XX/XXXXand XX/XX/XXXX I refile loss mitigation in XX/XX/XXXX Had to give the app again in XX/XX/XXXX and then again in XX/XX/XXXX XX/XX/XXXX I got a letter stating they could not help me because my hardship letter did not meet the criteria Don Know why I said i was recently divorced and had no job. Then i was told my {$1000.00} and I had {$180.00}. Retirement Was not enough but I also had {$5000.00} between my account which I guess was not taken into consideration I called and asked why on the app they asked how much money on had and in the bank and was told to be taken into consideration however it wasnt Then they said the property was empty I told they over the phone and in writing that I was living there because my house was destroyed by XXXX. My house went into foreclosure in XX/XX/XXXXwhy was i not told in XX/XX/XXXX when I started the loss mitigation I couldve paid the two months back rent and been fine I did not find out until XX/XX/XXXX I spoke the there attorney And was told all info went to the property because by law thats the way they do it i was sent something in XX/XX/XXXX but didnt get I got what they sent in XX/XX/XXXX. I got a letter dated XX/XX/XXXX on XX/XX/XXXX telling all the reasons I was decline And I could stop the foreclosure if I pay back payments by XX/XX/XXXX well my property was sold at XXXX XX/XX/XXXX how could I have paid by XX/XX/XXXX if I got the letter on XX/XX/XXXX. The the letter said I had until XX/XX/XXXX to appeal and I did to this day no one has responded and when I called i was told what are you appealing you property was sold on XX/XX/XXXX. Well I know that but they told me I could appeal so I did. I believe they wanted to sell my property since XX/XX/XXXX and my Bank Repsie stop them and not sending my check to the trustee put a stop to that so now they can try again and denying all my good paperwork telling me it did not meet standards and it taking 9 days for me to get the letter stopped any changes of me getting my property. Now with my primary park with the same games remember I said i was told if the payment was not made they would take it out of the account well my x stopped making payments and I did not know no one told me but I had the money in the bank my father died and his Insurace money was in the back about 15,000 But they never took anything nor did they make me aware he was not making payments I found out when I got a letter in XX/XX/XXXX telling me how far we were behind. I called asking why no one told me and I was told they did not have my info. Im like what do you mean you did not have my info you mailed this to me. They have in my file that they did not contact me. Now they want to foreclose. This is another game navy fed is playing by law they are to tell me everything that is going on with the mortgage both are names are on it and if you dont have my info thats there fault but they did they sent that letter. I spoke to them lawyer about the rental property and was told the could have changed or pulled the sell date since I was in lost mitigation and still done foreclosure and she was writing them about the timing of the letter again they were going to sell my property thats why things were done the way they were. I spoke to many attorneys And was told this is a common practice. Well im not going to let them get away with it my lawyer now says they will do what they can do and what they cant do they will find someone that can They went against their own rules to sell my property tell me I need health insurance information which I did not telling the property was empty twice and they had Proof both times in writing that it was not saying not enough money when its there bank they can see how much money is in my accounts and my bank statements we faxed to them. | ||||||
| 10/24/2023 | Yes |
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Web | Servicemember |
| I'm writing to let XXXX XXXX how unhappy I am with the assistance your fraud department provided. I was notified that my claim for fraudulent activity on my account was denied by the funds getting taking out of my account after I follow up with a phone call to see what was going on From XXXX to XXXX my claims have been denied with me not receiving any notification if I wouldn't have called to find out how my claim was progressing I would had never been informed of this decision. In addition, I didn't receive a request for any supporting paperwork for my claim or an explanation of the decision-making process. I am quite concerned about the security of my account and the lack of openness in your claims process because I was the victim of identity theft. Which I have mention to you guys several time. I constantly ask that if you could send me a thorough explanation of the reasoning behind the decision to rejecting my claim, along with any supporting evidence that was not sent to me when I was informed that my claim had been rejected I have yet to received it. I filed a claim on XX/XX/XXXX; however, XXXX of the XXXX XXXX customer service agents processed it improperly due to the fact that I told her I was not suppose to have a debit card in which my ex-fianc which was abusive hit me just one to XXXX times so I grab what I could and left. So the XXXX wanted to go back to XXXX when I said no and she stated that is when I did not have a card but I was watching my account. She insist on doing what she wanted to do after I told her no. My account was consequently put in a compromised condition, and I had to submit further supporting paperwork. Even after providing the necessary papers, I had to reset my username and password on XX/XX/XXXX and it took me over five days to get back into my account after I had emailed it XXXX times. Upon getting access to my online banking, I immediately noticed that nothing had been demanded of me from the fraud department .This was my first action after checking my message, which was related to my claim. I find the way this problem has been handled to be very frustrating and disappointing. I would like an explanation of what went wrong and a refund of any fees related to this matter from Navy Federal Credit Union. I'm so unhappy with the service I've been receiving from this bank. Then is happen to me there was a {$9600.00} change made to my account on XX/XX/XXXX. But, I couldn't use the money until I had my identification confirmed, which I didn't do until XX/XX/XXXX. Since I have yet to receive any correspondence regarding the claim, on XX/XX/XXXX, the provisional credit was applied to my account. My account was debited {$9300.00} on XX/XX/XXXX. When I contacted to check on the matter, I was told that my claim had been rejected and that they were under no obligation to give me with an explanation for the credit 's reversal or denial because it was for more than {$3000.00}. The supervisor of fraud I dealt with on XX/XX/XXXX told me that information on the claim stated that anything that is over {$3000.00} and that I was unable to obtain any information regarding it from the Usually, I get some kind of paperwork that I didn't receive when a claim is rejected. Furthermore, I am informed when a credit is being reversed, whereas previously I was not XXXX asked to see that in writing dealing with a claim of {$3000.00} that was rejected or overturned without the required notice or paperwork. I have been a devoted member of Navy Federal Credit Union and everything I have been thru up to this point, I have never experienced any treatment, lack of respect of and question me want tell me that since the XXXX XXXX XXXX but the claim in wrong he said that I just have to deal with it. I asked him again sine some one on your team put submitted my claim they way they wanted to and not like I ask them I have to suffer the consequences because all of the charges she put on their from XXXX to XXXX was not suppose to be apart of that claim I ask for them to reimbursement he said they can not do that. I was notified on XX/XX/XXXX that my claim had been rejected or overturned for no specified reason. But before this choice was taken, I received no notification or accompanying documentation. They were begin dishonest to me the information was suppose tp be found in the XXXX XXXX XXXX XXXX disclosure, per the fraud supervisor he told me when I called in on why I was not notified about the claim denial and credit reversal. Nevertheless, I discovered after reading the disclosure that it was inaccurate he did also and wanted to apologize no I am feeling some time of way. My claim has been rejected XXXX times now, even though I have not be requested to send in supporting documentation. I haven't heard anything about begin denied or been given an explanation for why they were denied all 3 times I had to call in and asked then they give me the excuse that I did not go out or they would say we mailed to you which is not true because I am go green paperless so who did you send it to. I really feelin like I am begin played with, financial harm, economic injustice and victimize. They told me so many times it nothing we can do for you after their XXXX submitted by claim in XXXX the wrong dates and I did not received any notice of claim denied for requesting additional information .When I asked about the XXXX Liability they just said it is nothing I can do but file an appeal again and I still don't have access to my debit card after I filed an appeal XXXX weeks ago. I have asked them several times to give me a thorough explanation of why my claim was rejected and why I was not informed that the credit had been reversed, Why I was not notified | ||||||
| 08/09/2022 | Yes |
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Web | Older American |
| I am a longtime member of Navy Federal Credit Union, as well as holding the professional finance designations of XXXX, XXXX, a Big XXXX University XXXX, and XXXX years in XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX level at such institutions as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as well as at XXXX XXXX XXXX XXXX XXXX When I decided to do my new mortgage with Navy Federal ( over other vendors ) last XXXX of XXXX, it was because of ( a ) my great experience to date with them, and ( b ) the fact that it was a members-owned Credit Union ( with all that that implies about putting member-owners ahead of quarterly profits ) and ( c ) the fact that it's closely affiliated with XXXX XXXX personnel or XXXX XXXX at the highest levels of NFCU ; this conveys a certain expectation for the XXXX creed of acting honorably. ( d ) The fact that the mortgage rate could be locked for a year was also in NFCU 's favor, given that the mortgage was for a house-build which would take almost that long. On my part, at the time, I brought a XXXX credit score of over 800, and XXXX debt, not even a car loan. The issue is : With my background, and abhorrence for having my mortgage sold to some other party, in which decision I would have no say, I therefore asked the NFCU Mortgage Department XXXX XXXX officers, more than once, if my mortgage would be sold. In fact, I turned down better terms with XXXX XXXX because they said up front that they'd sell my mortgage to XXXX XXXX. I was verbally told, by the XXXX NFCU officers, that it would NOT do this, and I asked more than once, because I'm careful that way and double-check on important matters. I have since been told that NFCU 's unilateral right to do so, was in the disclosure documents -- it was, as a possibility, but the verbal assurances to me were that that would not happen. As we all learned in our business law courses, verbal representations are legally binding, to say nothing of morally so, esp. for a firm that holds itself out to the public as hewing to the XXXX 's standards of honor and duty. And the verbal promises are on recorded lines at all financial institutions such as Navy Federal, as required by FINRA and other regulatory authorities. I expect that NFCU keeps those recordings in its archives for several years, as XXXX did. My loan closed in early XXXX, XXXX. Yesterday, on XX/XX/XXXX, I was flabbergasted to receive a letter in the mail from XXXX XXXX, informing me that Navy Federal had, indeed, sold my mortgage to XXXX XXXX, and probably the day after it closed -- why wait, when one can sell out the member-owner ASAP and collect a fat fee for doing so, into the maw of the XXXX XXXX machine ? XXXX XXXX referred me back to my mortgage originator, and would give me no information, so I called several " supervisor '' people at NFCU, including three mortgage department supervisors who refused to give even their last name 's first initial, to distinguish them from other " XXXX '' XXXX in the same department, and was told, effectively, too bad, so sad, NFCU is not walking it back, have a nice day. The three totally unhelpful mortgage supervisors with whom I talked and who threw up, each of them, the roadblock of refusing to advance my request to the CEO 's office, or to do ANYTHING other than " no, and have a nice day '' are : XXXX, XXXX ending in XXXX, XXXX, XXXX ending on XXXX, and XXXX, XXXX ending in XXXX. So here 's what I'm wanting, if anyone at NFCU can be contacted to even respond : ( 1 ) A review, post-haste, of all verbal recordings of all conversations between myself and the NFCU XXXX since the mortgage application process was started last XXXX, XXXX. Presumably, NFCU 's legal department at least requires the keeping of these recordings. ( 2 ) A changing of training and onboarding policies in the XXXX department, immediately, whereby each XXXX officer is REQUIRED to VERBALLY disclose to member borrowers, AT EACH INTERACTION, that ( a ) NFCU CAN and in the majority of cases, WILL sell the ownership of the mortgage loan to another party, including, but not limited to, XXXX XXXX, XXXX XXXX, or the VA, and ( b ) that NFCU CAN and in the majority of cases, WILL sell the servicing of the mortgage loan to another party. ( which they've not yet done -- waiting for the other shoe to drop, on that one ). Instead, the opposite -- that of verbally dangling the expectation to the member that these events will NOT occur -- is the current practice. ( XXXX ) A timely reply from the CEO 's office, which will doubtless not be forthcoming, since I wasn't even given any access to that office, after trying to reach it at least 3x today ( 4 ) Given # 3 above, I'm filing this complaint against NFCU ( with the CFPB ) for roadblocking any and all abilities to complain directly to their organization 's senior management, or even middle management, on this matter. I will be breaking my current long-tenored CD with NFCU, waiting for the short-term ones to mature, and withdrawing all of my funds from the organization. Bad behavior does not get rewarded and I am not about to continue to do so. At less than a XXXX dollars, it's not much, I admit, but I have better places to put it than with an organization that acts dishonorably and then refuses to make things right or offer any redress whatsoever, and throws up roadblocks when I try to reach senior management. I will also doubtless be paying off my mortgage materially early, since the only way to thwart those who've thwarted me, and who now hold my loan or the service contract, is to part company and deprive them of the earnings therefrom, and impose the disadvantage of a mortgage prepayment onto them and their mortgage-purchasing partners. | ||||||
| 04/20/2023 | Yes |
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| So navy federal got something stranger I gave them a bank instrument that can't say I didn't they have cameras lady wan na call me because of complaint same people who say I cant be entitled to my entitlement.now they are charging me to get a head. So my last questions cause it doesn't add up.its pointless sending them things and calling the bank they all play games so it's okay. I'll go threw here Im trying to figure out because is states on bank statement remittance.sendvwith payment .everytime time funds or you guys do something you restrict my account debit things. Then change them around. So no2 the 7 remittances I sent them became holder in decourse.so how is it you guys do these process can explain them when I act in my right .you guys are incompetent to what's going on and you provide your tellers with no info .so the new set of remittance and putting the contempt controller on notice I will send cfpb them to them and if my account is credit only credit it.your holding the instrument to do that.you give wrong info I'm confused XX/XX/XXXX my current balance was XXXX. Now today it shows withdrawals and debit over over XXXX XXXX I deposited a check for XXXX XXXX you have it marked down XXXX XXXX. That's not XXXX so can you give the cfpb the accounts out accounts In ledger ever records to verify I had two accounts always reported y'all haven't responded. We don't have a loan so acting like these balances of obligations between you and the United states have an obligation can you show where I account owner times date transaction showed where I with drew and debit since you guys are kicking back, I'm aware of previous lawsuits you guys have and since you guys are playing games with my credits and are holding im demanding my account be credit .now I can write a 1099a if you guys are abandoned your obligation.and I spoke with XXXX and verified with another party you guys do deposit of remittance so lie to cfpb not me these positives you showing the cfpb prior complaints the balance shows positive. XXXX. Why you telling me it's negative not positive to wan na aplay this game .it 's over so I will now communicate the lady that took my remittance she said she was sending a week ago I'm waiting .saved the phone Convo to .if this is the route you wan na go understand everything I've done has been in good faith.maoes since why you get mad leave notes like the lady that hung up and said fraud spoke with him noooo she put me on hold kept going back and forth every rep does so what's that mean.yourbresponsible for errors and damages occurred I will send cfpb the remittance that I need deposit I'll send where it states in policy you guys sent me but are denying me seemsbluke the right thing to do.my attorney will be stepping to both branches with POA on my behalf to me since you guys are dealing with people 's money but acting incompetent to policies and laws all statements etc he will handle since you thik you can .sad part I can see if I was doing something wrong nope.so this race thing you guys are doing it's good.scared never I fear no one but god.but taking from me because you think you your gon na put on me in a corner and pay your obligation that's not a benefit.and how you take my debit card give me a new login in the I catch what y'all doing and start getting info now I'm restricted.its over so can you explain show cfpb what your telling me because everything you guys are saying I can show your saying opposite like account ending XXXX and aww here 's the update on claims how do you provide a provisional credit to use but can't use it what kind bs is that I need you to show this fourth and please cause I didn't get it or debit that your ledger is off that's why is not balancing correct.oh why my life insurance company said you guys said I gave them wrong payment info. I sent them same info you gave me .you guys got a problem with a person who's not white but a person of hue not from XXXX doing what your average customer doesn't do.like I sent them the info y'all gave me and match what with I put XXXX why are you causing all my accounts to be shut down reaching too accounts I have to be shut down .providing wrong info.your days are coming believe that.ajd this wire that was approved that was supposed deposited to my other bank where is at.i screened shotted it did you guys cancel that .y'all act like XXXX XXXX I'm not scared to speak the truth.im real .you mad deal with it.question if I came in took money with out permission I got to XXXX.why shouldn't you for the same thing .what the difference between me and you .same applies to employee last warning stop taking myoney if your not entitled to it.i need mine.and every bill your gon na pay of mine cause your holding my credits so your responsible.i don't wan na everstep in to your branch period I don't deal with evil deceptive incompetent people no benefit.i will not call waste of time I need my credits and I'm done with you guys last warning stop taking my credit and you can't properly hold my security then you need to give them up I have assets so like how we doing it but you've owed me havebt respond to anything I need all my entitlement now .stop playing because your playing with money that feed ay kids .and y'all create numbers so explained to me if this not your loss and you didn't loan me moey I created the value and traded instrument for it. Don't act like there is a loan or promissory note that I need to provide you free money you didn't lend as a loan is this your credit you loaned me or your assets I bought.ii know you better stop acting like I owe you and it's you guys that owe and ain't crediting my account but debting it.smh | ||||||
| 09/02/2021 | Yes |
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| Every single time I call this institution I get a different answer from somebody it is the most unbelievable thing I have ever seen in my life how they are in business I have no idea. I sent correspondence to the CFO and have yet to receive a response. On top of that during Covid we had numerous transactions that were overseas I called almost daily to check in on the status because they still owe me money to date they told me that everything was in to be reviewed by the disputes team. But we ended up finding out after trying to figure out why this continuously kept happening over and over again was we had a keylogger on one of our computers that was picking up the account information every single time We had a few other situations where we had attempted to try out a software that had a 30 day moneyback guarantee for our business and we either never got the login and the password or the software did not work as we were promised we emailed the company over and over again for a refund and they failed to respond every single time so we disputed the transaction! Not only did they put certain disputes in incorrectly but they either a failed to provide provisional credit or the worst situation that happened I had to call back five different times to go over every single transaction I called in in XXXX they finally re-filed everything for me come XXXX I still have not heard anything whatsoever mind you this is literally the 30th time I had called in to find out what the status of my disputes and fraud claims were because We are still missing thousands of dollars from navy federal not to mention we were told by a supervisor that because we had to overdraft our account just to be able to survive because we were missing XXXX of dollars they would refund The fees on the account due to us having to overdraft out of nowhere all of a sudden this woman decides that shes going to play XXXX with my money and said nope were not refunding anything anymore and we will not be working on this account anymore every single one of my disputes and fraud claims were still sitting in a queue that nobody worked during Covid! On top of that because they sat on it for so long every single one of my claims were denied when I had submitted them six or more months previous to the time they actually ended up working the claims which was beginning of XXXX. The claims were all the way back to XXXX and they sat on them and did nothing with them and still have yet to refund me my money nobody there knows what theyre talking about they took our debit cards away because of that Ive gone three weeks without electricity because I had no way to pay two weeks without water and we were and are on the verge of losing our home because every time I call the bank they tell me something different and I look like a XXXX liar now I am over it Im done I am sick and tired of having to live on a credit card that they dont even know how to calculate correctly by the way, Ive submitted all the evidence for a dispute that I had on my credit card from a company that so that they would refund me {$290.00} and another {$50.00} charge and sure enough I had an email and everything proving this and they still have yet to work my claim I submitted this over three weeks ago now. With the proof is in the email I dont even get a provisional credit and they are still probably sitting on that one too. They took away my debit card for an entire year because of unauthorized charges that I did not make they play God with peoples money and decide to do whatever they want to do with it. Most recently a payment was made for {$24000.00} with one of their agents through speed pay they put a eight day hold on the payment so I was without funds even though I was told that it would clear through the following day within 24 hours that didnt happen and then they stated and that it would clear through On Monday that didnt happen I was then told by another agent it would for sure clear through by Tuesday that also didnt happen it wasnt until the 30th that it was supposed to actually clear through I ended up finding out seven people later. on top of that they advise me my debit card would be Able to be re-issued on multiple different dates it ended up being the XXXX finally 5 to 7 people later That I talk to that I talk to a manager XXXX who advised me that Mine and my husbands card would be available on the XXXX I call on the XXXX finally later on in the afternoon like way later in the afternoon and they said no actually its overnight tonight well then thats not on the XXXX now is it? That would be XXXX XXXX so once again lied to again so I gave them a couple days cause I dont even know what to believe anymore I called overnight today to get my debit card re-issued and find out where my husband was and they said oh youre Husband cant have a debit card for a year Im sorry no thats not true because I was told by a manager on the XXXX and theres no reason why they should ever have been taken away from us considering The fact that You dont punish consumers because of unauthorized transactions that doesnt even make any sense especially when its once again my money I hired the bank for a job their only job was to do one thing and one thing only and that is to manage my money nothing else just manage my money Indu so according to federal guidelines its not hard! They activated the card that is still in the mail So I went to try and use my new card That I just got in the mail yesterday and it wasnt even active So I had to call back and once again try and activate it wouldnt let me do it through the automated system so someone had to manually do that for me again. | ||||||
| 11/08/2019 | Yes |
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Web | Servicemember |
| THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR NAVY FCU THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME. This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXXXXXX XXXX policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). NAVY FCU is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that NAVY FCU is the one responsible for removing this information from my credit report. As it currently stands XXXX nor NAVY FCU has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by NAVY FCU and are being reported by XXXX. Inquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported. | ||||||
| 07/20/2023 | Yes |
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Web | Servicemember |
| According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15 USC 6802 and 16 CFR 313.4. XXXX you are also in violation of P.L. 90-321 ( 82 Stat. 146 ) for not obtaining my express written consent to add any of the aforementioned accounts to my consumer report. Furthermore XXXX is also in violation 15 U.S Code 1681 ( Pub. L. 90321, title VI, 602 ), for Inaccuracy and Unfairness of my consumer report by reporting the aforementioned accounts, which have been removed from my XXXX consumer report for similar FCRA and Privacy Act of 1974 violations. Additionally XXXX is in violation of 15 U.S Code 1681a ( 2 ) ( Pub. L. 90321, title VI, 603 ), for reporting " Information solely to transactions, or experiences between the consumer and the person making the report '', further violating my consumer rights to privacy. This is causing me harm and distress by defaming my character and credit worthiness, which has resulted in denials of extension of credit and adverse action against me by creditors. Furthermore, XXXX has committed multiple counts of copyright and trademark infringement for unauthorized use of my protected property " XXXX XXXX XXXX, by selling of and profiting from my property, to but not limited to ; subprime lenders, 3rd party data collection agencies, and other non-affiliates without my notice or consent. Lastly XXXX has committed multiple counts of Securities Fraud by purchasing and selling retail installment contracts, credit card applications, and other consumer credit contracts baring my wet signature, on the secondary market, that XXXX was never a party to and lacks full contractual capacity and security interest. XXXX I'd like to remind you that you this is not only a violation under The Securities Exchange Commission but the Federal Trade Commission as well. Let it be known I have also sent a copy of this notice to the Federal Trade Commission and The Attorney General. Furthermore, I am aware that you are monetizing from both affiliates and non-affiliates, by selling my personal information ( Trademark protected property ) to subprime lenders without my express consent or notice. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Im looking forward to your timely response and handling of this matter of equity. | ||||||
| 10/14/2020 | Yes |
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| Greetings, It is with a heavy heart that I must inform you about my horrific experience with Navy Federal Credit Union ( NFCU ). I am saddened by having to result in utilizing a third party to help resolve my ongoing issues with this credit union. As recently as today ( XX/XX/XXXX ) and on multiple occasions, I have peacefully and patiently reached out to NFCU to resolve two issues. The first issue involves opting in for additional protections on my credit card during my application approval and the second issue concerns inaccurate information provided to me by a bank teller that has adversely affected my credit rating and hinders my ability to obtain services needed during this global pandemic. The issue surrounding my credit card coverage began after noticing that I was only billed for disability insurance and not unemployment coverage should there be a lapse in employment. My application was approved by a NFCU representative via telephone. I was asked if I was interested in credit card protection coverage. I did opt in for both coverage options ( disability and unemployment ) at the time of my application. I was under the impression that the monthly fee covered both products. I recently learned that was not the case. I disputed that information with the representative who shared those details and I asked that they review my application by either listening to the call or producing a copy of my application held in their archives. I requested a copy of the application on multiple occasions after being told by each representative that I would receive it in 5-7 business days. I am sad to report that I NEVER received the requested application or any documentation from NFCU. I contacted NFCU on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After feeling as though I had no other option, I filed a XXXX XXXX XXXX report on XX/XX/XXXX. Filing the XXXX XXXX XXXX report proved pointless as the person who contacted me was not from the Executive Department or Office of the CEO, but rather a bank branch employee with limited authority. After two long discussions, she told me she unable to assist with the credit card issues. She did not have the proper authority to assist me which led to an impasse. This is still a standing issue. Please note that I am not unemployed. Thankfully, I am employed with the XXXX XXXX XXXX ; however, as the threat for furloughs loom over us, I want to be protected. As a condition of employment with XXXX, we are subject to random credit checks and monitoring to maintain our clearance eligibility. That being the case, I was recently notified by an investigator that there were two occurrences of 30 day late payments on my credit with NFCU dating to XX/XX/XXXX and XX/XX/XXXX. I was baffled and completely unaware so I checked my credit and my personal documentation as I keep detailed records of my interactions with creditors. Pertaining to those dates, there is an issue with the inaccurate information provided to me by NFCU via a bank teller at the XXXX, VA banking location. After returning from an overseas deployment in XX/XX/XXXX, I went to that branch to obtain information about my accounts. I recall my question were specific to how much time I had in order to make the credit card and auto loan payments. The representative told me that I was NOT due for a payment on my credit card at that time and she told me that my past due portion was already covered adding that I had sufficient time before the next payment was due. Again, I had been XXXX, so I desperately needed to be current on all information. Prior to that incident, I was never misinformed by a bank and Ive been banking with NFCU since XXXX. I didn't second guess the information ; however, the teller was wrong. The payment was missed inadvertently based on information that the payment was not due. My payment history will attest that prior to that incident I was never reported to a credit bureau and always paid on time. A similar situation happened with inaccurate dates shown using their payment system in XX/XX/XXXX of this year at the start of the pandemic. In a last ditch effort to follow up and get resolution on the negative reporting from XX/XX/XXXX and XX/XX/XXXX, I contacted NFCU on XX/XX/XXXX. I spoke to a representative named XXXX. She plainly confirmed my worst fears by stating the online system underwent a change that removed the number of days you were delinquent due to inaccuracies with the previous NFCU payment system which encompasses the dates in question. Based on that declaration, I would like those two payments removed from my credit report. It is critical that this gets resolved as this is affecting my job and financial standing. I have tried talking peacefully with NFCU and I have been patient while I get told to wait on documentation in the mail that never came. NFCU claims that their customers are their mission. I have been repeatedly ignored as a customer and I feel devalued. I can no longer stand by and get steamrolled by this credit union that claims to value its members. Each month NFCU sends out an email underscoring that help is available if you are affected by the pandemic, but they arent really helping us or they are being very selective about who they help begging the question of whether discriminatory practices are used in deciding whom to offer assistance. I have kept detailed notes about each encounter with NFCU and I feel I need to share this disturbing information with the proper regulatory local, state, and governmental consumer entities that can put a stop to this treatment. Please assist Regards, Ms. XXXX | ||||||
| 08/18/2018 | Yes |
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Web | Servicemember |
| Hopefully this explication I hope to illustrate the breadth of my exasperation with NFCU. Multiple grievances beg multiple complaints. Because credit unions by definition are meant to be non-profit perhaps the title Navy Federal would be a more honest, fitting name for the organization. After all the issues, contact, & digital correspondence on my part to address has proven futile - right up to the point on XX/XX/XXXX when a cryptically titled supervisor to me directly - on call recorded for quality assurance - my issues would not be corrected before immediately hanging up on me, as I stated in a previously documented complaint. All the ridiculousness perpetrated by NFCU culminated yesterday, Friday XX/XX/2018 - when I learned this supposedly non-profit credit union did not honor 2 {$5.00} dollar check payments to my child 's elementary school! My last deposit into my NFCU checking account was {$250.00} dollars. My last deposit into my savings account was {$60.00} dollars. I HAVE NOT SEEN A SINGLE PENNY OF THAT DEPOSIT, because of NF 's actions. Actions which can only be described as transparently " for-profit ''. I have never missed a payment on any of my NF accounts. I have ignored previous underhanded, non-compliant, deceitful, and/or unfair tactics in the past, however when or if I was " serviced '' as a " customer '', & an issue was resolved, I have never hesitated to correspond graciously by posting a letter in the secure messages section, or sending an email or text, thanking NFCU for the resolution. For example, I live in Florida on a barrier isle that has been evacuated 2 times in as many years, due to Hurricanes Matthew & Irma. I took issue when certain federal mandates enacted to aid disaster victim members like myself, residing in a federally designated disaster area, were not originally honored per Federal Regulations. When I contacted NFCU & outlined the specific details per the Federal requirements, my particular request - though originally denied - was reviewed & granted. As always I publically posted a letter of thanks & praise addressed specifically to NFCU. Now in all pertinence, NFCU followed actions that were REQUIRED of them by FEMA & other government entities. The original denial of my request during Hurricane Irma violated the disaster protocols in place. Nevertheless, I did thank them in writing for doing essentially what they were already required to do. My point here, is that I am loathe to waste valuable time on frivolous complaints. I am also loathe to waste valuable money by having funds - designated by the purposes I see fit. I have no argument regarding paying on my accounts. Let me reiterate - to the best of my knowledge, I have never missed a payment on ANY of my NFCU accounts. Yes, I may have made a payment a few days late. A. Few. Days. Late. And whenever as issue has arrived, where the onus was mine, I have contacted and/or corresponded in a forthright & compliant manner. I have no argument with agents doing there jobs, or passing the buck to another agent if they could not. I have no problem reading & explaining Federal statutes to NFCU employees who have said - on calls recorded for quality assurance - that they have no knowledge of government statutes & regulations - be they Rules regulating National Disasters, or be they pursuant to the Dodd Frank Act - as I briefed NF agents XXXX & XXXX on, & as I would have been more than happy to brief the utterly incompetent supervisor who hung up in my face a few days ago. I would have no argument translating the English version of these statutes into any of the multiple languages I speak. I have no argument whatsoever doing NFCU 's job of informing & educating its employees to save the embarrassment of agents needing to research lawsuits, settlements, Navy Federal Consent forms to settle {$28.00} XXXX dollars in fines egregious violations designated on authority of the CFPB, while I am on the phone with said agents! On a positive note, while I've waited on hold for multiple hours as the agent reviewed the statutes, I at least had the gratification of those agents ' acknowledgement & agreement that I had indeed been violated. I have no argument with that time consuming inefficiency at all. But believe you me, I ABSOLUTELY, UNQUESTIONABLY, HAVE AN ARGUMENT WHEN ACTIONS OF GREED & INCOMPETENCE CAUSE DISTRESS TO MY CHILD. When funds I earn, are placed in an account I opened, are stolen from me in such menial unconscionably underhanded, greedily deceptive way leads to dishonoring a {$5.00} dollar check, I repeat A XXXX DOLLAR CHECK?? That will not stand. And to be treated so rudely, in an attempt to bilk the very members who make up the organization, remove funds without authority or due to misinformation - such as an agent telling me to put a stipend of funds into my savings account to prevent funds already designated to elementary schools, for example - then taking that money for whatever use NFCU is in the mood for, to make a greedy buck for funds allocated to a child?!? After I proactively brought that very concern to NFCU 's attention in a pre-emptive act of good faith?!?. That's a bit more " Cosa Nostra '' than " Non-Profit ''. ... Non-Profit organization owned by the members whom you treat with such contempt. Be assured. When an issue causes distress or harm to mine - and I would bet anyone else 's children. I will not let this peculiar form of non-profit, XXXX your XXXX service members, ignore federal actions, this-almost-too-ridiculous-to-believe excuse for service - be ignored. FIX IT. Otherwise NFCU ... Let 's Dance. | ||||||
| 09/12/2023 | Yes |
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| Hello there, last year I visited XXXX country and when I come back after couple months I find out true one website I did downloaded online there is two places from XXXX keep charging from my credit card so right away I called Navy Federal Credit Union bank and reported they credited some for short time then they told me on the phone and from E- message they need more proof of the claim and finally I decided to go back to XXXX to investigate by myself again when the charges happened I was not in XXXX I can show my passport and my card wasnt in my position, so they send me a new card then after when I get back from friends, I got police report from same city which was XXXX XXXX in XXXX I send it with copy of my passport even they told me to go to the bank I did I filed everything now they are telling me they cant except it I need my money back and before I find out I was paying even 2-3 times each month.. I need to know why they are not refunding the charges which is fraud This is one of the information about the subscription I found and its an other Hotel which it happened same day same night I send all the information to Navy Federal credit Union My Bank : Navy Federal Credit Union Last 4 Digits of Payment Method : XXXX Last Bill : XX/XX/XXXX Last Billed Amount : {$200.00} Name on Statement : XXXX XXXX XXXX XXXX Here are recent charges that add context to my request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here is my personal information which you can use to identify my account : First Name : XXXX Last Name : XXXX XXXX Phone Number : XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX : XXXX My Email Addresses : XXXX I will dispute this charge if not handled. Thank You. | ||||||
| 08/11/2022 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand Letter Regarding financial institutions and the privacy of a consumers nonpublic information, Congress has enacted laws to protect such information from abuse and misuse. Under the Privacy Obligation Policy and pursuant to 15 USC 6801 ( b ) it states that you are obligated to ensure the security and confidentiality of customer records and information and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. You broke this law because you did not ensure the security and confidentiality of my personal records and as a result of this breach of public trust my right to privacy was grossly injured. 15 USC 6821 states that it is a violation of my right to privacy for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. You broke this law by disclosing my nonpublic customer information to a nonaffiliated third party. 15 USC 6809 4 ( a ) describes nonpublic personal information in pertinent part as personally identifiable financial information. 12 CFR 1016.10 conditions for disclosure states ; Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless you have provided to the consumer an initial notice, a notice to opt out and reasonable opportunity to do so before you disclose nonpublic personal information about that consumer to a nonaffiliated third party. You broke this law because I never received any notice of my right to opt out, nor did you give me reasonable opportunity to opt out before you unlawfully reported my nonpublic personal information to a nonaffiliated third party. An affiliate means a company that controls, is controlled by, or is under common control with another company. Does the relationship between NAVY FEDERAL CR UNION and the various credit reporting agencies including but not limited to ; XXXX, XXXX, XXXX and XXXX fall under the federal definition of an affiliate with authorized access to private consumer banking information? I allege that it does NOT in any capacity! 15 USC 6809 ( 5 ) describes a nonaffiliated third party as any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control. Recently, I looked over my consumer reports furnished by XXXX, XXXX, XXXX and XXXX to which I allege are ALL nonaffiliated third parties as defined by federal statute. These reports contain my private nonpublic information furnished to them by NAVY FEDERAL CR UNION. Personal consumer banking information such as dates of opened financial accounts, types of financial accounts, payment amounts, payment history, balances, account numbers and credit limits are being reported to these nonaffiliated third parties WITHOUT MY CONSENT and you are breaking the law. At the time of establishing a customer relationship, federal law requires you to disclose your policies and practices with respect to the protection and sharing of a consumers private information with nonaffiliated third parties pursuant to 15 USC 6803 ( a ) ( 1 ). Also, pursuant to 12 CFR 1016.10 ( a ) ( 1 ) ( 3 ) you never informed me of my right to opt out of such reporting. You broke these laws because I never received any of the forementioned statutorily mandated notices of disclosure. This serves as my written demand for you to opt me out of reporting any of my nonpublic information concerning the two subject matter accounts stated above to nonaffiliated third parties and for you to cease and desist all reporting of these alleged accounts to which I expressly dispute the validity of. I demand to see the written authorization signed by me expressly giving you the permission to share my confidential information with ANY nonaffiliated third party. I also demand to see the contract you have on record showing verbiage in plain language and bearing my signature granting you the expressed authority to share my nonpublic information. Consumer reporting agencies are notorious for unlawfully selling PRIVATE consumer information to other nonaffiliate third parties without consent and you are an accomplice to these unlawful acts and the encroachment upon my fundamental rights to privacy. I did not consent neither expressed or implied to my private banking information being released and shared in any capacity to any nonaffiliate third party. The unlawful, non-permissible reporting of these alleged, unvalidated accounts which are fundamentally private in nature have grossly injured me and I demand they be removed immediately from all consumer reporting agency records. The reporting of the two subject matter accounts and the damages they have caused has given creditors an unjust advantage against me. I have been denied access to credit, loans, fair interest rates, usage of credit-based goods and services. I have also been denied housing for myself and family due to this violation of my right to privacy, and it will be reported to the Consumer Financial Protection Board. It is also my intent to file suit in Federal Court for monetary damages against your company for the infringement and total disregard of my consumer rights. Respectfully, XXXX XXXX XXXX | ||||||
| 05/10/2023 | Yes |
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Web | Servicemember |
| XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union Funds from a certified check which were previously made available in my business checking account were withdrawn from 3 different accounts after I walked into a Navy Federal XXXX in XXXX XXXX on Saturday XX/XX/2023. I deposited a certified check for {$34.00}, XXXX into my Navy Federal business account ( XXXX XXXX XXXX XXXX Access # XXXX ) at the XXXXXXXX XXXX XXXXXXXX XXXX afternoon XX/XX/XXXX. I verified with the teller that the certified check fell within the posted guidelines indicating that guaranteed funds are made available the next business day. I further advised that teller that I had just picked up the check at XXXX XXXX XXXX XXXX and that the branch manager was available to verify said funds if necessary. I was advised that the total deposit would be made available the next day. The check cleared as promised and was made available. When I logged into my account on XXXX XXXX XXXX 100 % of my funds were accessible. I transferred funds to a business savings account and a personal checking account. Additionally, I withdrew cash and ordered a cashiers check from the funds transferred to the personal account. I visited the Navy Federal XXXXXXXX XXXX branch on XXXX morning to pick up the cashiers check and was advised that the branch manager needed to call the back office as there was an issue. After an extremely long wait the branch manager invited me into her office and advised me that there was something suspicious about my check and that it would be held for XXXX business days. I was beyond confused about what could be suspicious about a check I had requested while standing in line at the credit union. After much confusion I realized that she was referring to the check I deposited into my business account the previous day. When asked what was suspicious, she just persisted in telling me I would just have to wait XXXX days to access my funds. I requested she call XXXX as the Branch Manager would gladly validate the check. She refused as did the two managers I spoke with on the phone subsequent to leaving the branch that day. Regardless of my questions or requests every Navy Federal representative refused to help me and persisted in repeating that I would just have to wait out the XXXX days. This is not the first time Navy Federal policies changed after I physically entered a branch. My money was accessible until I walked into the branch. I spoke with one woman that XXXX afternoon who advised me that I could not have been racially profiled because the man who implemented the hold on my money was a XXXX man she happened to know. That statement is a serious problem and reflects a real need for XXXX & I and Unconscious XXXX training. Much to my surprise, Navy Federal wiped out the funds from my business checking, business savings, and my personal checking accounts leaving me with XXXX ( XXXX ) funds. I later learned that I was locked out and could not log in to my accounts as I needed to speak with the security department to clear a security hold. My first call and 50-minute wait to this XXXX department included a series of ridiculous questions. I was asked if I had deposited said check, the amount of said check, the source of the check etc. I was not asked anything whatsoever that Navy Federal did not already know. The first young lady I spoke to in the security department asked why I was given said check. I advised her it was none of her business. The source of my funds is not a matter of bank security. She was annoyed and maliciously failed to remove the hold. The next time I attempted to log in I was still locked out of my account. I called to determine my account balance on XXXX as I received confirmation that my XXXX check was deposited. I have been without any money for XXXX days at this point. The representative advised that my personal checking balance was {$360.00}. Immediately following that call my debit card was declined for a very small purchase. All my Navy Federal debit cards were deactivated, declining even the use of funds later deposited to my account. I was denied access to or the use of my XXXX funds. After my 7th call to Navy Federal, I was directed back to the security department where I was advised that there was additional information they needed. The XXXX man I spoke with asked me nothing new or different from the previous young lady. He too asked me if there was a reason I was given said funds. Again, I declined to answer. There could be NO question as to my identity. I had physically walked into 2 different Navy Federal branches within a XXXX-hour period of time and presented state issued identification. There could be NO question whatsoever as to my identity or my initiating the transactions in question. I asked each an every Navy Federal representative to explain what was suspicious about my check. No one would answer that question. No one would call the issuing bank to resolve the issue. No one would help me. I was consistently told I would just have to wait XXXX business days which left me penniless for XXXX whole days. Navy Federal serves this XXXX veterans, a population of people who have already withstood tremendous trauma. The lack of compassion, care, help, and support I was shown is beyond disappointing. My recent Navy Federal experience began a series of events that have led to my financial ruin, and created tremendous trauma for my family and I. I have suffered late fees, XXXX fees, penalties and more. | ||||||
| 12/06/2023 | Yes |
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| Immediate deletion of the account and 1,000 $ per violation of the FCRA Institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Pursuant to the Gramm-Leach-Bliley Act and 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. The Privacy Rule applies to businesses that are " significantly engaged '' in " financial activities '' as described in section 4 ( k ) of the Bank Holding Company Act. Your activities determine whether you are a " financial institution '' under the Privacy Rule. According to the Bank Holding Company Act provision and regulations established by the Federal Reserve Board, " financial activities '' include : lending, exchanging, transferring, investing for others, or safeguarding money or securities. These activities cover services offered by lenders, check cashers, wire transfer services, and sellers of money orders. providing financial, investment or economic advisory services. These activities cover services offered by credit counselors, financial planners, tax preparers, accountants, and investment advisors. brokering loans. servicing loans. debt collecting. providing real estate settlement services. career counseling ( of individuals seeking employment in the financial services industry ). The Gramm-Leach-Bliley Acts notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ). According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Navy Federal Credit Union is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Navy Federal Credit Union the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX. Navy Federal Credit Union whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Navy Federal Credit Union Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX5 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. | ||||||
| 09/30/2020 | Yes |
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Web | Servicemember |
| Re : Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX This serves as a written complaint regarding the vehicle financing and trade in policy of Navy Federal Credit Union ( " policy '' ). The trade in policy is needlessly complex both for the consumer as well as for the car dealerships where the consumer may purchase the vehicle from. This complexity causes confusion, stress and has financial consequences for the consumer. Navy Federal ( " NFCU '' ) requires that the car dealership accepts the trade in vehicle free and clear and to subtract the amount of the trade in allowance from the loan check. It is the policy of Navy Federal to close out the existing loan on the trade in vehicle and then to roll that balance over to the new loan. The new balance will contain the previous loan balance as well as the new vehicle loan balance less the trade in allowance. Navy Federal will reject any payment that the car dealership makes to them for the trade in and will return all checks to the dealership without notification. At best, this policy is both unconventional and contrary to industry best practices. At worst, this may be a duplicitous attempt to force the consumer to pay more interest while any issues arising from this confusing policy is resolved between NFCU, the dealer, and the consumer. This forces the dealership to essentially turn what is a straight forward transaction into an overly complex one. Rather than accepting payment for the vehicle that the dealer just sold for the fair market value as well as sending in a separate check to Navy Federal for the vehicle trade in that the dealer has agreed to buy from the consumer which is a simple one to one transaction, in Navy Federal 's policy, the dealership has to accept a loan check payment which is far far less than the fair market value of the car they are selling to the consumer. On XX/XX/2020, I traded in my XXXX XXXX valued at XXXX for a XXXX XXXX valued at XXXX. The car dealership was XXXX XXXX XXXX. The subtotal is XXXX. The existing NFCU Loan for the XXXX XXXX is XXXX. After admin and taxes, the final selling price is XXXX. When the XXXX manager called the NFCU loan hotline listed on the loan check, he informed Navy Federal that he will write the check for XXXX. The Navy Federal associate asked what the trade in was valued at, the manager confirmed XXXX. The NFCU associate proceeded to give the manager the approval code to cash the check. The NFCU associate did not attempt to educate the manager on the policy referenced above. The NFCU Associate did not instruct the manager to subtract the trade-in allowance from the final selling price. This lack of communication from the NFCU associate directly resulted in my new loan balance being XXXX. Which is the XXXX in addition to the previous loan on the XXXX XXXX. This resulted in higher loan payments, more interest accrued as well as a larger negative impact to my credit score. When I realized what had happened, I called Navy Federal. Several associates confirmed on the recorded phone line that despite the miscommunication with the dealer, NFCU would accept any checks that the dealer will send in separately for the XXXX XXXX trade-in. They confirmed on the recorded phone line that NFCU 's back office would know to put two and two together, as simple logic and common sense would dictate. On XX/XX/2020, I called NFCU to inquire if they have received the dealer 's check. The associate confirmed they did receivethe check from XXXX but that they had rejected the check and sent it back to the dealer. The check XXXX sent to NFCU was XXXX. I escalated to NFCU Manager XXXX as to why this was the case. XXXX confirmed that when NFCU 's back office received the check, the check referenced the previous loan balance. Since the previous loan balance was rolled into the new loan, the back office did not accept the check. This is completely contrary to my previous conversation with multiple NFCU associates that promised that NFCU would accept the dealer 's check for the trade-in. XXXX informed me to speak to XXXX and have them reissue the check for the new loan. NFCU did not attempt to contact the dealership to clarify the issue, nor did they attempt to contact me, even though I maintain several NFCU accounts and they have a record of all of my calls with their associates regarding this matter. They also have my current contact information. This lack of care and consideration for their customer is shameful. I called XXXX afterwards and they were just as confused as I. Consequently I have to pay far more interest for a new car ( that is only valued at XXXX ) because NFCU 's overly complex trade-in policy has caused me to carry a loan balance approximately 33 pct more than what the XXXX XXXX ( XXXX vs XXXX ) is worth. I am seeking 1. that NFCU assigns a dedicated case officer to be the direct liaison between XXXX and NFCU and myself. This case officer should work with XXXX expeditiously to ensure that the dealer 's check is accepted, processed, and applied to my new loan balance, thereby restoring the balance to the original intended amount ( XXXX ). This case officer should proactively track the movement of the check as well as all associate back office functions at NFCU to get this corrected. This case officer will readily furnish his direct work number to facilitate all communication between the parties involved. 2. that NFCU cancels and reimburses me for the excess interest the loan is accruing. | ||||||
| 09/17/2021 | Yes |
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Web | Servicemember |
| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX To : Consumer Financial Protection Bureau Subject : Consumer complaint against Navy Federal Credit Union Mortgage Loan Department Dear Representative, My name is XXXX XXXX and I am the buyer/complainant initiating a formal complaint against Navy Federal Credit Union for the mishandling and loss opportunity to purchase a house through a VA Mortgage due to negligence and incompetence by the loan processing team at Navy Federal Credit Union XXXX I started the process for this loan back in XXXX of this year. On XX/XX/XXXX the seller and I consummated a purchase agreement for a property with the address XXXX XXXX XXXX in XXXX, MI XXXX. My closing was set for XX/XX/XXXX initially and was delayed until XX/XX/XXXX for consideration of utilizing an energy conservation improvement benefit allowed by the XXXX XXXX Mortgage Department. On XX/XX/XXXX I received the final closing disclosure from Navy Federal Credit Union and my monetary obligation to bring to the closing on XX/XX/XXXX was {$4700.00}, which was approximately {$800.00} higher than my initial closing disclosure estimate that was based on a projected cost for homeowners insurance of {$970.00}. The insurance I purchased cost {$1600.00} and this I assumed was the reason for the increase. I signed the final closing disclosure and emailed confirmation to the mortgage processor, XXXX XXXX XXXX as he had instructed. On XX/XX/XXXX after arriving home from work at approximately XXXX XXXX, I prepared to meet my realtor to do a final walk thru of the property at XXXX XXXX. Prior to leaving home, I checked my email inbox and saw an email from my lender instructing me to check the site to review a document. I went to the site and opened the document and it was another final closing disclosure that showed my closing fee obligation had increased by approximately {$5000.00}. I called the Mortgage Processor but he wasnt available. I called the loan originator, XXXX XXXX and he wasnt initially aware of the increase so he reached out to his superiors to find out the reason for the increase. He conveyed to me that the increase was caused by taxes that are required to be paid a year in advance in the county of the residence. At that point my question to him was whose responsibility was it to inform me of this information prior to final closing disclosure? He replied that it was my realtors responsibility. So when I met my realtor at the walk thru, I told her the situation. The next day, XX/XX/XXXX my realtor contacted me via conference call with her broker on the line and he explained that it was not their responsibility to inform me of the closing cost obligation and that it was the lenders obligation. I was uncertain as to who was telling me accurate information so I contacted the VA mortgage department and asked them for clarity. The representative told me that it was not the realtors responsibility at all but it was indeed the lenders responsibility. So, I told my realtor that I didnt have the additional funds to close and she stated that I would need to get a denial letter from my lender or I would be in jeopardy of losing my earnest money deposit of {$4000.00}. I contacted my loan originator at XXXX XXXX and he, after conferring with his superior, began to coerce me into taking out a small loan to secure the additional funds required for closing. I responded by telling him that I was informed in the past that it was illegal to take out a loan to secure another loan and he replied that in this case an exception to the rule would be allowed and at the very least a denial letter would be attained if my debt to income ratio was exceeded by doing so. I told him that I wasnt willing to do that. Then he asked if I could get a gift letter from someone for the additional funds and I responded negatively. He then said that he would put in a withdrawal but not a denial letter and I knew that would most certainly jeopardize my deposit. I never told him that VA had told me that the mistake or negligence was their fault. Shortly after that, I received another call from the loan originator and he stated that he had emailed me the denial letter. When I opened the letter it states that I was denied for insufficient funds. I sent that document to my realtor and signed a mutual purchase agreement release. The seller has not signed the release at the time of this letter. The VA Addendum protects me from losing my earnest deposit and the cashiers check I provided is in the possession of my real estate company who hasnt refunded it to me yet. I am filing this complaint with your office because I feel that my lender was negligent and deceitful in processing my loan that inevitably caused me to lose the opportunity to purchase a home and jeopardized my earnest money deposit and forfeited my appraisal fee! In addition to that, my realtors integrity was wrongly slandered and her commission was forfeited unjustly. I am requesting that an investigation into this situation be conducted and that a resolution be rendered making my realtor and I whole by requiring Navy Federal to return my earnest money deposit of {$4000.00} and appraisal fee of {$520.00} as well as my realtors commission that was earned if not for the Navy Federals negligence and or incompetence! I will upload documents to support my contentions as required. Thank you for your diligence in processing my complaint! Regards, XXXX XXXX XXXX | ||||||
| 10/22/2022 | Yes |
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| Navy Federal Credit Union has failed to comply with a requirement of law. 12 CFR 1026 ; 12 CFR 1660.3 ; 16 CFR 660 Appendix A III ( c ) ; III ( H ) ; III ( M ). Navy Federal Credit Union has violated 15 USC 1681S-2 ( F ) ( ii ) ( I ) ; 15 USC 1681S-2 ( a ) ( 1 ) ( A ) ; 15 USC 1681a ( 2 ) ( A ) ( i ) ; 15 USC 1681S-2 ( F ) ( ii ) ( I ) ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; 15 USC 1681S-2 ( a ) ( 1 ) ( A ) a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681a ( 2 ) ( A ) ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report con Navy Federal Credit Union has had prior notice that they are violating my rights and willfully violating my rights as a federally protected consumer. I have complied and followed my requirements and responsibilities as a federally protected consumer. My disputes and supporting documentation show that Navy Federal Credit Union had prior knowledge and opportunities to cure the inaccurate and incorrect data and information that should be excluded from my consumer file and consumer reports. Navy Federal Credit UnionXXXX ' failure to comply with their responsibilities and requirements as a Furnisher of information to Credit Reporting Agencies has caused actual damage to me and my character, profile, my well being, and mental stability. Per FCRA they are civilly liable to me. I have advised them of the incorrect reporting information, and shown evidence and supporting documents that they are continuing to violate my privacy and confidentiality, in reporting this information on my consumer files and consumer reports which should be excluded by law. I ) demand that you step in and not only get them to respond but, hold them accountable, and make them update my consumer file and consumer reports, to 0 % Utilization and delete all Late payments associated with tradeline immediately. I have exhausted all that I, can do by myself to amicable get this information and data corrected by Navy Federal Credit Union. I am soooo frustrated at how I am being treated. Please I ask humbly for your assistance and protection, and power to correct this ASAP. Please do more that just get Navy Federal Credit Union to respond to this notice. I want actual change. I demand that my rights be protected and Navy Federal Credit Union be forced to correct my Consumer File and Consumer Reports to reflect as XXXX XXXX rights intended. My privacy be protected, and Navy Federal Credit Union made an example of for not complying with their responsibilities as a furnisher. According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information 1. Provided by a consumer to a financial institution. 2. Resulting from any information with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX XXXX, XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. Navy Federal Credit Union has still violated the provisions of FCRA ( Fair Credit Report Act ). Under USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company ( Navy Federal Credit Union ) has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to delete the below-mentioned information from my Consumer Report ; From XXXX XXXX XXXX # XXXX, XXXX. Late Payments XXXX Credit Card Usage 0 % percentage or Credit Card XXXX 0 % Navy Federal Credit Union and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have continually advised you and given you opportunities to correct this information. The please correct this information as I have asked or I will be forced to consult attorneys and file litigation against each you. As you all have been advised and are willfully- non compliant and civilly liable to me. | ||||||
| 03/07/2018 | Yes |
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Web | Servicemember |
| This is the fourth time I am submitting a complaint on the same issue. The cfpb is supposed to be a government watchdog agency that is supposed to protect consumers, and all thats done is them sending my complaint to the company and closing it once Navy Federal responds to the claim. Whats going on here? How can you close a complaint without actually doing any investigation? With the previous 3 complaints I filed I stressed that Navy Federal claims the phone call wasnt recorded, if the phone call wasnt recorded how is Navy Federal responding to the complaint? If the call wasnt recorded how does Navy Federal know they spoke to the gentlemen which somehow didnt happen to be me. For the fourth time, please see my complaint below. This is the third complaint im Filing with the CFPB regarding this matter. For the first response Navy Federal denied that the phone calls were recorded. The second complaint Navy Federal admitted they spoke to someone other than me and even gave description of the phone call. If it wasnt recorded how did whoever resonded to the second complaint even know the details of the phone call if it wasnt recorded. And they still havent addressed the issue of my financial information being improperly shared with someone who wasn't me. On XX/XX/XXXX a Navy Federal employee called my parents home phone number ( XXXX ) XXXX ; this number was not listed by me on my banking profile. ( I was advised by another Navy Federal Employee that NFCU uses a tracer software to find phone numbers associated with customers who do not respond to NFCU phone calls ). On the phone call that took place on XX/XX/XXXX on ( my parents land line ) the Navy Federal associate asks to speak to me ( XXXX XXXX ). My father was a XXXX patient at the time and was going through a rough XXXX session, which XXXX XXXX XXXX ; he misheard the associate, and obliviously said " yes this is me ''. The Navy Federal associate then goes on and reveals my entire finances involved with the bank to my father. I.E The amount of the loan I have, the type of loan I have, How many monthly payments I am behind, the total amount of the deliquency, and how much my monthly payments are. The problem here is, on outgoing calls made by NFCU, they don't have a policy that confirms the recipient of the phone call is actually the person they are trying to reach out to i.e social, birthday, secret question/answer, secret passcode or anything. Whatever number they find and decide to call from the tracer app, the recipient just has to confirm " Yes, this is XXXX speaking ''. I understand that policy, but where is NFCU due diligence? Their employees should be trained to know when someone falsly states they are someone else. I mean come on, you don't think I would know the type of loan, the amount of the loan, and how much my monthly payments are, that should ring a bell. My father confused, thinking this was for him kept asking her questions to get to the bottom of it, and the NFCU associate kept answering every single one of this questions. That is extremly troubling, because this puts my financial information and other senstive imformation completely exposed and at the mercy of NFCU non-existent and weak policy on outbound calls. Luckily ( for NFCU ) it was my father, and not an outsider. Regardless, I did not want him to have an idea about this debt, as I knew it would stress him out, and that is the single WORST thing for a XXXX patient. As I anticipated my father fell even more ill because of this. This soured my relationship with my household, as my dads medical bills started piling up. I reached out to Navy Federal regarding this matter on several different occasions, via several diff modes of communication. The first email i sent regarding this matter was not even replied to! Noone from NFCU reached out to me regarding this issue which is extremely concerning. I reach out to them again a couple of weeks later, via phone and social media and ultimately NFCU associates were completely unapologetic and offered me no source of compensation, not even a " we are sorry '' They claim that the phone call mentioned above was never recorded ; how convenient is that? How many outbound calls that are in collections are rocorded? My guess is the dirty business of collections doesn't record any outbound collections calls, and record calls that would benefit the company. They stripped me of my right as an American Citizen to financial freedom, and privacy. I served this country for over 8 years and continue to serve. For what? so billion dollar banking animals NFCU leak my sensitive information? Luckily ( for me ) the entire phone call was recorded on my parents answering machine for some odd technical issue. I have a top secret security clearance and work with extremely classified information. At the rate the the NFCU associate was going, she would have no problem telling the recipient of that phone call ( my father ), all of my sensitive data. This puts not only strips me of my financial privacy but also puts my well being at risk. The funny thing is 2 weeks prior to this incidence i called Navy federal to bring all my accounts current, and again due to their internal error my forbearance for one of the loans was not correctly processed. I was under the impression that it was. Instead of calling my cell phone and notifying me ( the only number I listed on their system ) they would call my parents home phone over 7 times a day. | ||||||
| 08/15/2019 | Yes |
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Web | Older American, Servicemember |
| i went to Navy Federal Credit union XXXX XXXX branch, and with XXXX i applied for a VA refinance loan on or about XX/XX/19, was told someone from their mortgage company would contact me soon, i got an email from XXXX XXXX, mortgage processor, to start the process, he uploaded some documents, but he was not avail for me to ask questions, i stopped at the branch, XXXX got XXXX on her phone and i spoke with him, set up time for him to go over the forms with me, we did, but what he kept doing was sending me forms or loan estimates just before he left the office and i could not question him about them. Right away i sent him contact info for the XXXX county first home buyer program because they have the second lien on my home of {$9000.00}, also sent him contact info for XXXX, who qualified me financially to buy this house. XXXX told me from the start i could roll my funding fee, orgination fee, and closing costs into my loan, his boss, XXXX and XXXX told me as they saw things i was bringing {$60.00} to closing. Well things changed as we went along, all of a sudden i was told by XXXX that they would not roll my appraisal into the loan, because what if the appraisal came in low and i back out of the deal, they can't take that chance, so i had to pay it up front, also XXXX said i had to unlock my credit report with XXXX, so he called them, we were on a three way, and the man from XXXX, said i had to pay {$10.00} to unlock my credit report, i did not want to because i was not the reason it was frozen, it was because they was hacked, and that said for security purpose i should lock it but could unlock as i needed to. I gave this male my credit card info, and later learned he had charged me {$10.00}, i am trying to get my monies back. After i paid for the appraisal is when XXXX started saying my money to bring to closing was {$2700.00}, i was not happy, went from {$60.00} top {$2700.00}. and his explanation i did not believe. i called the Navy branch and spoke with someone there and told them i was not happy, and XXXX XXXX boss XXXX was no help, i was frustrated. so they had XXXX XXXX boss to contact me, XXXX, she said at first my closing costs was down to {$1100.00} might go lower, then i asked about the termite inspection, she said get it done, so i scheduled it. She started talking about subordinate papers had to be done and the title company will do that so NAVY federal is the first lien and XXXX County the second lien, and she was talking more to XXXX XXXX at XXXX county, XXXX for some reason quoted the amount of my account as {$71000.00}. not {$9000.00}, so XXXX then started telling me last week that she had to roll my second mortgage into my first mortgage because thats what the V.A. requried and so my monies to bring to closing is now {$4500.00} or more, i was upset i called the V.A to ask them and XXXX XXXX said they do not require that only thing is to have the subordinate paper drawed up, went back to XXXX, then she said regardless i will still have to bring that monies to the table, then she started telling untruths about my conversation with her, as if i was asking to have the second mortgage rolled in, then i asked her about me getting a line of credit to pay off {$4000.00} of the {$9000.00}, she said if you do that you can't tell me about it, i said well forget it. I am upfront with all i do. So she sent me a email that showed my first lien lot lower but my closing costs at {$4500.00} up to {$7500.00} if i went conventional. My question was why didn't XXXX, XXXX and XXXX, led me down this road to closing and just last week say i had to bring almost {$4500.00} or more to the table. i ask her if i had to drop out of the loan what happens to the monies i have put out she said she might could get me {$200.00} refund at the most. Earlier in this process again after i paid for the appraisal, is when XXXX told me my closing costs was about {$2700.00}. and i needed to show him where i had the money to bring to closing or my application process would sit until i could produce that info. Right after i started talking to XXXX, and she redid the figures and said my closing costs was more like {$1100.00} and maybe go lower, that evening XXXX once again sent me papers via the secure system right before he went home, i thought it was XXXX that did it so i sent her a email and told her i thought that was not ever good customer service, the next day she said it was XXXX not her. Then XXXX from XXXX County last saturday sent me a email about me having a third lien on my house, but didn't explain, and she left, so she didn't answer my questions. she had a ax to grind with me because she told me and XXXX, that her paperwork would take 6 to 8 weeks for completion and then the board of chosen freeholders might not approve it then. so of course she was not available to explain, so i forwarded that email to the board of chosen freeholders because XXXX one day said to me why are you in a rush XXXX said her part would take 6 to 8 weeks. i am retired i live on a fixed amount monthly a very strict budget, and i can say right now if either one of these people from Navy Federal had told me it would cost me {$4500.00} to bring to closing i would have never gone with this application. XXXX did say during one of our conversations that Navy Federal is not doing this refinance for free, but never said how much it would cost, because that was when he was saying i was bringing {$60.00} to closing. | ||||||
| 12/16/2022 | Yes |
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Web | Servicemember |
| Dear CFPB, I am replying to Navy Federal with another complaint and accusation of unlawful discrimination of my rights and is slated at breaking the law toward myself as a individual with mental & physical XXXX and THE EQUAL CREDIT OPPORTUNITY ACT. This act enforces that it is illegal for a creditor, such as a lender or mortgage broker to discriminate against a human being when youre applying for a mortgage because of ( Handicap Disability ). During this home buying process it has taken on toll on my health causing major trauma. At this point in my interest of the Home Buying process and trying to obtain a mortgage loan through Navy Federal who seems to not acknowledge surprisingly to those of disabilities, nor do they respect of honor the American Disability Act seemingly knowing that there whole Corporation was built by those who have served this country. As they parade to advertise there slogan with their Mission Statement : Members are the Mission is an understatement and slap in the face. Navy Federal has simply not honored my rights & position as being XXXX and struggle with a cognitive impairment that enables my unlimited abilities to retain l, process, and comprehend within receiving information, and staying on task with time management. They have not tried to help assist me in anyway and have not guided me with the medical request of using my reasonable accommodations that were professionally written and set in place by law under the Americans Disability Act ( ADA ). Therefore, I am submitting in response to Navys Federal statement that they had me fill out a new application that is suppose to be good according to the Home Buying Disclosures and from the representative for Navy Federal loan officer who I have been communicating with by a way of email as I requested, that I have XXXX days from the pre- approved letter before having to submit another credit pull ; XXXX days to Find a home to purchase ; and XXXX days to close in which Navy Federal has pulled my credit already XXXX times and they just charged me as well within their Closing Cost worksheet for Purchase which was the last step according to the XXXX XXXX XXXX in which I have mentioned that was confusing for me because of all the applications showing in the portal that they had me to apply for, I have also not been provided with the new loan application number for the most recent pre-approval Closing Cost Purchase Worksheet. ( This is another tactic to confuse me. ) I received an email stating that all I needed was to submit a Purchase Agreement and address of XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, Tx XXXX and I responded with more than XXXX of the addresses I was interested in as well as a ( XXXX XXXX Tax Rate Sheet of where the homes are located and a Map Description and Photos of the homes property and Lot ) requested from the Loan officer XXXX for Closing Cost Loan Write up with the true cost of the loan. They have failed to do so but instead sent me Closing Cost Worksheet for Purchase with estimations that include a Credit Report Fee of {$20.00} dollars. These Credit pulls has affected my credit score tremendously but was suppose to according to the FTC consumer.ftc.gov & Attorney General of the State of Texas Consumer Protection Division. When shopping for a home from lenders a hard inquiry should only report and remove points only once as a negative impact while shopping for a home with home buying guidelines. I have disputed the negative events to the Credit Bureaus and yet they have not removed anything. They have also sent a letter to me requesting that I pay for an appraisal when it was disclosed that Navy Federal would cover appraisal cost but I could hire my own Apprasier XXXX party at my own cost. Navy Federal has also used a Credit Report source of information going back XXXX years of credit history in their decision vs the requirements of only going back only XXXX months. Navy Federal has also harassed me about doing another Credit another and requesting me to pay another Credit Application Fee of {$20.00}. ( SEE ATTACHMENTS ) I also went into a Navy Federal Credit Union Branch by the name of XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Tx XXXX who has written down step by step of the percentages % of fees within the steps for my own mental notes and Loan Officer XXXX has also emailed me steps based upon my request, they are very different. ( SEE Attachments ) No where in this process did they request a Permission to Omit until after I filed a complaint with CFPB. The XXXX XXXX FOR ONLINE APPLICATION SUBMITTING is a conflict of interest with what I receive within my email as well as conflicting do you all the application and documents being repeatedly requested resulted in much confusion cognitively and requested several times to communicate by a way of emailing to upload and submit documents and for my reasonable accommodations to be taking into consideration. But instead I have been taking advantage off. I have diligently being doing what they ask and also asking for assistance regarding my XXXX and I keep being told that they dont have those services or either receding no response and has cause me a great deal of anxiety and being hospitalized as a result. Therefore, I am asking for further assistance from Consumer Financial Protection Bureau a U.S. government again y that make sure banks, lenders, and other financial companies treat you fairly. | ||||||
| 11/28/2019 | Yes |
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| I was a member of Navy Federal Credit Union from approximately XX/XX/XXXX until approximately XX/XX/XXXX, I believe. I am only guessing because I do not recall the exact dates of termination, but my best guess is by XX/XX/XXXX ... I was no longer a member of the Credit Union. I was a family member of a veteran, who'd applied for membership, first inquiring before they officially made the public announcement to serve Veterans. Once I had applied, the credit union had began ensuring " Security Policies '' under internal departments without any feedback or direct link to a point of contact regarding Member Security, until the application was approved for membership. I was approved for Membership with a Checking and Savings account at first. Around this time, I had still been receiving XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ... due to low-income and other conditions. Along the first six months, membership was working out so far. During the months of XX/XX/XXXX, trouble had began : I was almost broke, and my credit had began to tarnish. I remember there were suggestions by my local Payees about moving forward with services provided by the local DDD/DSHS governmental agencies, and how important it was to them that I remained on State & Federal Benefits. I also remember requesting and receiving a refund check from a web hosting provider, that had designed a basic website and a marketing plan for me. The amount of that refund was between $ XXXX {$2500.00}. Navy Federal Credit Union was consistently charging overdraft fees to my account. At times, they were a bit excessive, while claiming to protect me as a member. Anyways, on the brink of going into poverty, I decided ( upon the advice of Member Services at my local branch ) take about {$2000.00} of that, and invest in a Certificate of Deposit. The {$400.00} prior to that was deposited into my checking account to cover over {$200.00} of overdraft fees, and a little over {$120.00}, I asked to be disbursed to me as cash. I can't remember if I paid my credit card ( s ) that month, but I believe I may have paid one. At that time, it was a few days before a meeting with a former XXXX Case Manager. I remember not putting {$2000.00} directly into my checking account, because other parties like XXXX and my Payees were concerned about losing benefits. Taking these things into account, I decided to put the {$2000.00} into a CD. Almost a week later, the Social Security Administration became involved. Even though, I was receiving Supplemental Security Income, it was clear to me that they were pressuring my relatives ( who were/are also my payees ) that SSA didn't want me to make additional income ... contrary to the purpose of Supplemental Security Income now. Our local Social Security Administration office - located in XXXX, WA ... was quite famous for being infamous with their accommodations and willingness to help understand how people could manage at the time. The manager of the office decided to threaten one of my family members with a XXXX one day, towards the middle of XX/XX/XXXX ( right before my birthday ). I was on a grocery shopping trip, and I received several phone conversations about it ... I told them later that it was already deposited, and I couldn't release the funds. They didn't take it well, and by the next morning, they had filed legal proof of themselves as guardians/payees to the bank. As a result, not only did Navy Federal Credit Union breach my account security information, by allowing this action by fax and thereby closed all of my accounts without my consent ... but the Credit Union customer service members from then on, told me that they would only speak to the payees ( for consideration of re-instatement or account information ). According to my payees, ( which I do not know whether it was credible or not ), they had a check of my funds disbursed to them, as a result of the bank 's decision ... and they referenced several times that I had misused the funds. This was clearly a lie, because much later after they deposited the remaining funds of close to {$1800.00}, into a Special Needs Trust Account ( located at XXXX XXXX XXXX ), almost as a spiteful action after various arguments ... I confronted them about this over time, and their story had changed. I talked to them about why they deposited the money, and believing the reasons they had given me ( which was inexcusable to begin with ), the payees said they had other reasons for doing so ... which was never disclosed to me. The bottom line is besides Navy Federal Credit Union closing my accounts without my consent, they also did so in a way that breached my security. Additionally, it is my belief that the Social Security Administration influenced my relatives, and the bank to do so. Finally, when the funds were given to the payee ( if they ever were ), they were free to do with it what they wished ... I never saw neither my refund, nor the ability to communicate with XXXX XXXX since. However, I do know that since then, my poverty has became worse and what chances I had at income and/or credit opportunities were never the same. As it stands presently, I am barely getting by ... and as debts pile up, without so much as a credit card or sufficient income ( though I work far beyond OT still ), I am having to make a choice between 2 needed services : keeping my job as an XXXX, and paying for my XXXX XXXX bills. | ||||||
| 08/20/2022 | Yes |
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| As for the first thing that went wrong, I was at the wrong location per the stylist website. Though a confirmation was sent via text. Due to the fact, I was traveling a distance to reach the stylist and most communication was either email or text. On a positive note, the stylist did offer to pick up XXXX as she would not be there until the appointment time as I was early. To be one hundred percent transparent, my appointment itself cost {$1000.00}, the hair cost {$750.00} approximately and the travel costs and tollways. Yes, I realize XXXX XXXX XXXX is a celebrity stylist and the fact. With all that is mentioned, my expectations are going to be higher ( as I am paying {$1000.00} for a service ) i.e., the equipment used, location of facility and lastly the presentation of the facility. In this day and time, I am sure you agree that cleanliness is above godliness. As for equipment used, the steamer used did not make any difference, but I believe that contribution to this was the noise as if the machine was choking from not having enough water. ( As if it was gasping for air ) Again this is business and if you are charging {$1000.00} for locs of course I would expect amenities to accommodate this type of expense. In comparison, the same would be if you go to a XXXX XXXX and pay {$200.00} as opposed to XXXX and pay {$75.00}. To be perfectly honest, I have no idea what I did wrong in this scenario to end up with this outcome. ( Being my hair looking like trash and it is only four days old. ) So, XXXX was diligent with her work and genuinely nice. That was not the problem. The way my hair looked was the issue. I ( again ) what more explanation do I need if I want the XXXX XXXX and go the person who did the look for a referral. I show a picture once I am there and explained that I want the poetic justice size locs. I did not know exact size but once I made this clear. I was so happy to finally get my hair like XXXX XXXX XXXX XXXX. I had been looking forward to getting my hair like this for FOUR YEARS since 2018. I asked XXXX " Why is it flat? '' It does not look full. Then, the finished look was hard looking and was more like XXXX XXXX look. It did not look feminine at all. Again, it did not look like the picture. I wanted a soft loc like a ring curl smooth look. I noticed XXXX was making the loc look rugged I just assumed this was the layer before and she finished it at the end as a top layer. Keeping in mind, I had no idea what the process looks like for locs. I TRUSTED THAT XXXX WAS aware of my desired outcome. Unfortunately, I was sadly mistaken. Quite honestly, this puzzles me as I wanted the same thing in which I consulted with her and bought a picture. Once I brought it to her attention that this was not the look, and I will have to have this taken out as I can not be on XXXX calls as a professional looking like this. As an afterthought, she added the hair which was curly. But it was not enough to be seen it looked more like an afterthought and it was not COHESIVE. It looked like it was added, and it was not part of the style. However, it did not mesh as one style. The hair looks different the locs than the picture and my desired outcome. ( Looked rough, gritty and although the hair was by His and Her Wet and Wavy. It did not curl instead ; it was frizzy and stringy. ) As you can see below ( pictures ) it looks BAD. It is messy looking such as stray hairs, frizzy. Looks like it is four months old and needs to be washed. I asked what I need to do for maintenance. I was told to brush and or comb the hair because it is human hair. Nonetheless, it does not look like human hair at ALL. Though I tied it up and bought a steamer for it to be loose and the hair ( as my hair is stiff and not flexible ) which should wave up when wet ) It is now, even more stringy and sticking together. Though I was told that this would be expected, and it would take a week or so for it to loosen up. The fact of the matter it is SIMPLY NOT WHAT I ASKED FOR. Before writing this letter, Monday day after appointment. I left a voicemail message and a text message requesting any suggestions as to the fact, it looked dry, stringy and just BAD. Also, I suggested a XXXX call so she could see but I received no response to either voicemail or text. In other words, both attempts of communication are unanswered as of today XXXX. I would like to know if there is a review XXXX XXXX XXXXXXXX XXXX XXXX XXXX. If so I definitely want to leave a review of the service delivered by XXXX. At this moment, I assume my monies for the hair ( {$750.00} ) is a lost. At the least, I am going to travel to a different state and get my hair done while, I have wasted my time. In order, for me to move forward, I will need to buy the hair again and get the outcome of which I wish/desire. Moreover, I need to ensure my hair is done for work. As of now, I am really trying to get someone to do my hair before my start date of XXXX. I may be reaching for the stars but as you can view the pictures, I am a professional and my hair does not look proper for the workplace. In closing, please tell me what went wrong in THIS INSTANCE and how I can correct it with another locs stylist. I am looking to take of care of this right away, I look forward to a referral whom will rectify and correct my hair which seems to be a disaster. Also, my hair needs to be done by the end of this month at the latest. Inline image | ||||||
| 04/04/2018 | Yes |
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| On XX/XX/XXXX I filed a dispute to Navy Federal Credit Union ( NFCU ) for two charges : ( 1 ) {$2200.00} and ( 2 ) {$1300.00} to vendor ( XXXX XXXX ). They were charged to develop a high-end luxury marketing branding package to include a custom website design and its functionality with XXXX XXXX for XXXX. WE EXPLAINED TO THE VENDOR - ANYTHING WOULD NOT MEET OUR REQUIREMENTS. WE SENT THE VENDOR " QUALITY '' EXAMPLES THAT WOULD MEET OUR EXPECTATION. Which, the vendor agreed to adhere to our designing quality requirement. We hired XXXX XXXX on XX/XX/XXXX with a delivery timeline for ( 7 ) Weeks. An approx. delivery date of XX/XX/XXXX. However, they did not adhere to our contract ; making it voided. Outside of this now voided contract - we extended to the vendor 4 additional opportunities to deliver - the vendor failed to perform. At this time we requested a refund. Our contract was voided by the vendor on XX/XX/XXXX We consulted with our bank ( NFCU ) and was instructed to file a credit card dispute claim. Which was filed on XX/XX/XXXX. OnXX/XX/XXXX, we received a written communication via USPS from NFCU, stating they would be conducting an investigation and to provide information by XX/XX/XXXX. However, we had already provided detailed documentation to their attention via the online messaging system at NFCU.org and via their fax number - XXXX on XX/XX/XXXX. NFCU had no knowledge of our documentation. Once again, we re-faxed our documentation and uploaded our documents in their messaging system. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NFCU 's messaging system communication on XX/XX/XXXX reflected the following information : **** [ Navy Federal Response XX/XX/XXXX : Thank you for your eMessage. The chargeback was submitted onXX/XX/XXXX. The merchant has 45 days to respond from that date so you will not have anymore correspondence via mail with us until we hear back from the merchant. If you have further questions, please let us know. ] If you notice : they reflected aXX/XX/XXXX chargeback submission date. THIS IS AN ERROR. We submitted our chargeback dispute on XX/XX/XXXX - XXXX EST ( XXXX XXXX ). When I asked them to clarify this wrong date -- they failed to respond. -- -- -- -- -- -- -- -- -- -- -- - NFCU 's messaging system communication onXX/XX/XXXXreflected the following information : [ Navy Federal Response XX/XX/XXXX : Thank you for your follow-up eMessage, XXXX XXXX. The dispute process may be lengthy. As soon as we hear back from the merchant, we will communicate the information to you. The merchant has 45 days from XX/XX/XXXX to respond. If you have any additional questions, please let us know. ] Again, they are using the wrong date of XX/XX/XXXX. The merchant should have been given 45 days from XX/XX/XXXX. XX/XX/XXXX would be the 45 day end period. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From XX/XX/XXXX to Today,XX/XX/XXXX, I have received NO formal written communications via USPS or any other mail delivery services. In addition : there has only been two e-Messages from NFCU ; as shown above. However, on XX/XX/XXXX I called NFCU to obtain a status update on the chargeback dispute and I was told that the case had been closed. At this time, I asked to speak with the handler of this case and I was denied. I was able to speak with a XXXX and a XXXX and both told me - that the case could be re-opened. At this time, XXXX transferred me to a XXXX. They stated : they sent me documents to respond to ; yet, no documents were received and when I kept asking them ... what was required - they could not tell me. XXXX initially stated, she would need to get a statement from me on this day to proceed forward ; then I was placed on hold and upon her return - she stated, the case was closed and that she would " send '' a communication to me. I disagreed and requested further assistance - yet, I was denied. In addition, I tried to resolve this issue via their e-messaging and I was told the following : [ Navy Federal Response XX/XX/XXXX : XXXX XXXX, thank you for your follow-up eMessage. At this time, we have fully researched and addressed this matter. We are happy to assist you with other issues via this eMessaging system. Any additional correspondence in reference to this matter can be submitted in writing. If you'd like to contact the executive office, you may mail a letter to : XXXX XXXX XXXX XXXX, VA XXXX. If we can be of further assistance, please let us know. ] _____________________________ On XX/XX/XXXX, I resubmitted my dispute. I was verbally told by XXXX ... the case was closed. However, in speaking with XXXX, I was told to return to NFCU and resubmit the dispute ; I can legally dispute this charge again and the process will restart. I fear, NFCU.. .will not represent me for my best interest. I have sent 3 communications via email to XXXX XXXX, CEO of NFCU ; his office has not responded and the emails, have not been rejected. This email included 10 other executives. No response for resolution from NFCU. Please help me resolve this issue. My bank has failed me and are denying me the right to challenge this charge. They expect me to pay thousands of dollars for No Service or No Product for payment. THIS IS NOT RIGHT NOR FAIR AS A CONSUMER. I TRUSTED THIS VENDOR AND ALLOCATED THEM OPPORTUNITIES WHEN THEY VOIDED OUR AGREEMENT. Please visit : XXXX - there is no website - image attached. | ||||||
| 01/19/2021 | Yes |
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Web | Servicemember |
| The Navy Federal Credit Union filed a " Statement of Credit Denial, Termination or Change '' on XX/XX/2020 based on errors in their mortgage loan application file. The application has been approved and closed on XX/XX/2020. I have not received a retraction of the credit denial as requested. I filed a complaint with CFPB in late XX/XX/2020. The actions of CFPB were a major assist to re-opening my loan application and the successful closing of the loan. Unfortunately, the process was still flawed on every level. Two of my primary complaints, as originally filed and supported with 30+ jpg attachments, was the lack of attention to details of the application and the inaccessibility of personnel for problem resolution. The NFCU response to my CFPB complaint lacked substance/details. Part of the problem is that the NFCU mortgage loan process is centralized in XXXX, Florida. If that provided : 1 ) enhanced oversight, 2 ) a streamlined and well defined/well documented application and loan processing result, I would have never had a complaint. Unlike most other mortgage companies/banks/credit unions, there are not any local NFCU mortgage loan processors to meet with the applicant. Almost all interaction between the applicant and the loan processor was by email, responses were 10-14 days later during the first 6 months my application was " active ''. Electronic document submission was the requirement. An obstacle in itself and there was not a supported alternative for seniors without a scanner. My phone calls were rarely returned, complicated by being 4-5 time zones away, and XXXX meetings were not an option. Lack of attention to details was rampant. For example, the letter from XXXX XXXX, Vice President, Underwriting, dated XXXX XXXX, 2020, regarding my complaint to the CFPB and the appeal of my loan denial and the " Statement of Credit Denial, Termination or Change '' [ that was sent to the credit bureaus ] was addressed to : XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. ). In the vernacular of the day, XXXX. A XXXX XXXX of the Navy Federal Credit Union can't even get the branch of service correct! I received a pleasant phone call and 3 follow up emails on XX/XX/XXXX from XXXX XXXX. One of the things we discussed was the requested {$70000.00} cash-out to pay off a 1st mortgage on a second property. There had been confusion at NFCU regarding that much cash-out and the reason for it. I asked Ms. XXXX to review pages 2 and 3 of the " Uniform Residential Loan Application '' submitted on XX/XX/2020. On page 2, under Section VI. Assets and Liabilities, under liabilities I listed {$68000.00} [ a 1st mortgage ] with XXXX XXXX XXXX and {$230000.00} [ the condo 1st mortgage ] with XXXX XXXX XXXX. On page 3, under Section VI. Assets and Liabilities, Schedule of Real Estate Owned, I again listed both the condo and the other property with the amount of mortgage/liens on each. And under section VII. Details of Transactions ( d ) Refinance ( incl. debts to be paid off ) was {$290000.00} the combined mortgages. Apparently, the first loan originator, XXXX XXXX [ never any interaction ] and the 2nd loan originator, XXXX XXXX, did not read past the first page request for a refinance of the existing loans. [ There are several emails to substantiate. ]. In Ms. XXXX 's second email, she states, " I also corrected your file to reflect XXXX cash back to you at closing. '' The loan originator/processor that did shepherd the loan to closing was XXXX XXXX. She was excellent! First assigned on XX/XX/XXXX, the closing was XX/XX/XXXX. She overcame numerous issues/problems but she was willing to call on the phone and responded promptly to emails. The first problem she encountered was the XXXX cash-out. I had to email copies of the " Uniform Residential Loan Application '' and forward Ms. XXXX XXXX email before Ms. XXXX could find the correction in the NFCU electronic document file. She revised the rate lock and loan commitment agreement, documented unearned income that had been previously noted but not documented as acceptable by the underwriters. The underwriters apparently cold not reconcile my 800+ credit ratings from all 3 credit bureaus, with monthly payment in full of all credit cards and both mortgages [ totaling $ XXXX/month ] with a monthly income of {$8000.00}. The refinance was 66 % loan to value on the condo, paid off the commercial loan in full and reduced my monthly mortgage payments from {$3200.00} to an estimated {$1200.00}, a {$1900.00} reduction. It wasn't until I revealed a recent inheritance of {$360000.00} in stock that the underwriters finally approved the loan. The other issue in my CFPB complaint was the frequent calls from NFCU apologizing for the long delay in processing my loan application and asking if I wanted to withdraw my application and apply elsewhere. What does that imply to you? The loan processor didn't call or return calls but other NFCU staff did call frequently and ask if I wanted to withdraw my application. Makes me wonder how many applicants did withdraw their applications and go elsewhere. I have hereby met my responsibility of " see something, say something ''. It is not my responsibility to conduct internal audits or provide federal oversight. I agree, " to error is human, to forgive is divine. '' But part of forgiveness is to take responsibility for your actions or inactions and to accept the consequences, regardless of your station. | ||||||
| 09/08/2022 | Yes |
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| I applied for a home mortgage loan through navy federal with a company they have on their portal, XXXX XXXX or something like that around XX/XX/XXXX. I was pre-approved on XX/XX/XXXX, which I then proceeded to find a home. Mind you, at this time no one still has reached out, I had to call NavyFederal myself and ask them what steps needed to be taken to put my pre-approval to use. I told them the name of my loan officer at the bottom, and requested to speak with her, I was then informed that she does not speak with me until I am in contract. Cool, I then proceed to call back and request another representative because again, this is my first time going through this process. I then get a very nice young lady on the phone who told me to find a home and show my pre-approval to my realtor, at this time I did not even know where to locate this letter because I never got an email. However, the same day my Pre-Approval came through, I was charged {$20.00} from NavyFederal for a CBR Fee. Still no response from my Loan Officer at this time. I finally found a home on XX/XX/XXXX thanks to my realtor XXXX XXXX, we placed an offer that same day. However, our offer was not the only one, so we therefore sent a revised offer on XX/XX/XXXX and we were approved. That same day, I called back to NavyFederal and they informed me that the loan officer who was assigned to my case was on vacation. I was then tossed to XXXX XXXX, who was very biased from the beginning of our conversation. I informed her that I found a home, and we placed an offer, and our offer was approved. She then proceed to congratulate me but never offered any information. When I asked her what next steps needed to be taken to work my pre-approval, she asked me how much of a down payment did I want. I told her my offer was for {$3000.00} down, she then informed me that my application was for {$20000.00} but I could do a {$0.00} downpayment. I was very confused and she informed me the difference in monthly payments, with no down payment being {$50.00} more than {$20000.00} downpayment. She ok 'd everything, asked me a few questions, and told me she would be sending over a request for a few documents. I said cool no problem, at the end of our conversation she then procced to ask me which account ( business or personal ) would I be drafting my {$3000.00} downpayment from ( which was used as due diligence ). I informed her I would be drafting the money from my business account via Cashiers check that following morning, which I did. MIND YOU AT THIS TIME SHE HAD NO OTHER DOCUMENTS FROM ME BUT MY PRE-APPROVAL. Why would she request that I spend my hard earned {$3000.00} if I didn't have an APPROVAL only a pre. Nonetheless, I proceeded with the process and sent over my documents. After about a week of going back in forth about documents, and her NEVER CALLING ON THE PHONE. XXXX calls on XX/XX/XXXX and asked me questions about my child support situation with my sons mother. Basically calling me a XXXX, claiming I could not want bills and how do I want a house if I can not even pay for my child. On XX/XX/XXXX XXXX calls to say that " due to my debt to ratio '' I would not be able to use NavyFederal XXXX for financing with my home that I had already started Closing on. She based this opinion based off looking at my information herself, she admitted that she never sent it up the finance team, PLEASE LISTEN TO THE CALL. Nothing I could do at the time but just say okay... I then proceed to ask if my Fianc would be able to cosign on the application, she said YES INSTANTLY. She did not ask any financial questions about my fianc, only to put her name on the application so she could get the credit. My fianc sent up the application that SAME NIGHT, all documents that were requested and everything. My fianc spent the entire next day XX/XX/XXXX calling and emailing XXXX requesting an update on our application, wondering if she needed anything from us. ( Because at this time we are almost at the table to complete our closing, timing is of the essence, especially since they have my {$3000.00} and I THOUGHT I had an approval. ) XXXX proceeds to tell my fianc that she will not be able to use her information on the application due to the length of her employment. We told her we understood and asked about receiving a refund for our {$3000.00} she told us that she will send a denial letter in the mail and we can use that to get our money back from the buyers. And basically just blows us off, she does not call to follow up afterwards or anything... We did not receive a denial letter until 3 weeks later. The application did not close until 4 weeks after she told us we were denied. This later told me to pay the buyer {$3000.00} out of my account before she even ran my approval. She did not try to get me an approval, she based everything off her PERSONAL KNOWLEDGE, which she has NO RIGHT TO DO! She also never reached out to me as the consumer, I also had to call first and get an update. XXXX XXXX was terrible at her 1 Job and I pray that none else has to use her as their loan officer. I am requesting my full {$3000.00} back from NavyFederal due to their negligence, and I also plan to push this issue to the highest extent. There should never be a biased woman such as herself dictating someone's future. I actually am glad I did not approve, I would HATE to be stuck with a company who accepts those type of workers. | ||||||
| 02/28/2023 | Yes |
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| Institutions covered by the XXXX XXXX must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Pursuant to the Gramm-Leach-Bliley Act and 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. The Privacy Rule applies to businesses that are " significantly engaged '' in " financial activities '' as described in section 4 ( k ) of the Bank Holding Company Act. Your activities determine whether you are a " financial institution '' under the Privacy Rule. According to the Bank Holding Company Act provision and regulations established by the Federal Reserve Board, " financial activities '' include : lending, exchanging, transferring, investing for others, or safeguarding money or securities. These activities cover services offered by lenders, check cashers, wire transfer services, and sellers of money orders. providing financial, investment or economic advisory services. These activities cover services offered by credit counselors, financial planners, tax preparers, accountants, and investment advisors. brokering loans. servicing loans. debt collecting. providing real estate settlement services. career counseling ( of individuals seeking employment in the financial services industry ). The Gramm-Leach-Bliley Acts notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ). According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Navy Federal Credit Union is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Navy Federal Credit Union the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX,. Navy Federal Credit Union whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Navy Federal Credit Union Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. | ||||||
| 07/13/2023 | Yes |
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Web | Servicemember |
| I received an email from XXXX who reports XXXX and I see that Navy Federal Credit Union has reported a charge off to my public report. This is a violation of the privacy act of 1974. Navy Federal has shared nonpublic personal information with a third party. That is a {$1000.00} violation fee. Navy Federal has also reported a " Charge off '' to XXXX. A charge off is a certificate of indebtedness and is not to be reported to a third party. This charge is to be removed from the public immediately. That is also a {$1000.00} violation. It is illegal to report nonpublic personal information to a third party unless a financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. In which Navy Federal has not given that option to the consumer. I have a right to opt out of that reporting and Navy Federal has never given me the option to opt of transaction reporting pursuant to 16 CFR 313.7. Navy Federal was given tender of payment to which they did not accept. Pursuant to UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Navy Federal has reported to this third party company five ( 5 ) times since XXXX and that is a {$1000.00} violation for each time Navy Federal has reported. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. An open-end account is a revolving account. Open-end credit means consumer credit extended by a creditor under a plan in which : ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. Navy Federal has been requiring Federal Reserve notes as payment, when in fact the application with the financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. Furthermore I have noticed that Navy Federal has been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to the Code of Federal Regulations, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Furthermore, the open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) that is on file with account no # XXXX and payments made in good faith ( 15 U.S.C. 1692 ( h ) ) by the applicable law ( 15 U.S.C. 1602 ( j ) ) ( 14 CFR 374.3 ) while choosing to make unauthorized electronic fund transfers ( 12 CFR 1005.11 ( 1 ) ( i ) ). You are not supposed to report any late payments ( 15 U.S.C. 1666 ( b ) ) for any purpose and you have caused me damages by reporting late payments to third party credit bureaus. You did not provide me any recession documentation ( 15 U.S.C. 1635 ) & ( 12 CFR 1026.23 ) in accordance with regulations of the Bureau. The appropriate forms for the obligor to exercise his right to rescind any transaction was never disclosed to me. This is my recession, and you are to return to me, the obligor, all money and property given as earnest money ( 12 CFR 1026.23 ). Also, on XX/XX/XXXX Navy Federal received a negotiable instrument and did not return it. It was sent to XXXX XXXX XXXX on XX/XX/XXXX. This is a breach of fiduciary duty which is also a {$1000.00} violation. By furnishing my nonpublic personal information to a third party I demand that Navy Federal remove all late payments and Charge offs. XXXX is not a federal agency and Navy Federal has reported my nonpublic personal information ( social security number ) to a nonaffiliate pursuant to 5 USC 522a. Navy Federal has been given a billing error dispute and has refused to acknowledge them. 15 U.S. Code 1666d, Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. | ||||||
| 09/27/2023 | Yes |
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| On XX/XX/XXXXXXXX I called Navy Federal Credit Union to file a dispute for services not received. I explained that on XX/XX/XXXX I retained the services of a lawyer, XXXX XXXX, to file a lawsuit for consumer law violations and to represent me in that case. I also let Navy Federal Credit Union that the amount of the retainer was {$1500.00}. It was agreed that the retainer fee would cover out of pocket fees assaciated with filing my claim. I was unable to pay the retainer in full. I was allowed to make payments, however XXXX XXXX stated that he would not begin working on the case until the retainer was paid in full. I made the first payment of {$500.00}, which was processsed through my business acount. On XXXX XXXX I made two additional to XXXX XXXX of {$160.00} each. Payment processed through XXXX XXXX and funded through Navy Fededal Credit Union. After making the last payment on XX/XX/XXXX for XXXX dollars, via XXXX XXXX I was unable to reach XXXX XXXX XXXX I attempted for over a month, the last week of XXXX I was able to reach him and on XX/XX/XXXX XXXX XXXX stated that he felt it would be a better if he filed a dispute with the credit reporting agencies to have account removed from my credit report., which i promptly rejected stated that is not what I retained him for. We were not able to agree so I requested my refund of my retainer and we go our seperate ways. His response was to send me a bill for over XXXX dolllars. That week I contacted the Georgia Bar association to verify his license stsus and to file a complaint and was advised that XXXX XXXX is not a licensed attorney. I was mailed an Unlicensed Attorney complaint form from the Georgia Bar to iniate an investigation by the bar. I made one more request for refund, answer was no. This was XX/XX/XXXX. On XX/XX/XXXX I called Navy Federal Credit Union to file a dispute with Navy federal to have money returned due to never receiving any services I paid for. The agent I spoke with stated that due to the information I provided, the correct way to process would be under fraud instead of service paid for and not received. Fraud claim submitted for {$500.00}. I requested to file disputes for the remaining XXXX and was told that since those payments were initiated from XXXX XXXX nand XXXX XXXX, they were not able to be processed and I would have to file with XXXX XXXX XXXX XXXXXXXX. Rep refused to file disputes I requested. XX/XX/XXXX I placed another call to NFCU, the representative I spoke with stated that she would be able to submit the disputes I requested. {$680.00} transaction dated XXXX and XXXX disputes for {$160.00} each dated XXXX XXXX XXXX XXXX called NFCU VERIFUED WITH AGENT THAT DISPUTES WERE being processed. Provisional credit issued for {$500.00} for the first fraudulent transaction paid to XXXX XXXX XX/XX/XXXX called NFCU to inquire about provisional credit for disputes, advised provisional credits not allowed for my disputes. Spoke with agents over a XXXX minute call. advised NFCU had 4 months to process dispute and no provisional credit would be issued. Disputes for XXXX, XXXX and XXXX were changed from fraud to dispute by representative. {$500.00} provisional credit removed with no notice, charged overdraft charges for transactions made using the provisionl credit. ZRecieved dial of duplicate charge for XXXX for XXXX eveb though there were two charges made for the same transaction with no explaination. XX/XX/XXXX After I explained that I have the right to file disputes for fraud when the money came out of my checking account even if processed through XXXX XXXX or XXXX and sent them via Navy federals emessage system Representatives began yelling at me, putting me on hold for over an hour, refuse to give me any information about any of my disputes, Kept telling me to call XXXX XXXX and XXXX XXXX Told that there were no disputes that I filed on the XXXX XXXX XXXXXXXX, They were removed from the system. Rep stated that they do not have to process disputes made with XXXX XXXX XXXX XXXX. Refused to file disputes. XX/XX/XXXX Advised not to call anymore, to send all communications via email, even though I have notified navy federal that their system was no longer allowing me to upload any documents relating to disputes. The agent advised me to try again on the next day. I have been trying since the XXXX to upload documents I notified Navy Federal and was not provided any solution other that to try again later XX/XX/XXXX Advised not to dsend anymore emails, and navy federal has the right to decide who receives a provisional credit and I would have to wait until the end of any investigations even thoug XXXX of the transactions they refuse to investigate and the one they chose to investigate reversed provisional credit and denied the claim stating that it can not be fraud if i initiated the transaction and it didnt matter if I was mislead and lied to to get me to initiate the transaction by the merchant. As of today still have received any written notice for claim denials, deleting disputes or reversal of provisional credit. I was told this evening that my disputes were filed with the date of XX/XX/XXXX because I did not submit any documents, also there was never a request for documents for any dispute I filed.They would not tell me what disputes were filed on the XXXX. Told to wait at least until thursday of this week to receive a call from navy Federal. | ||||||
| 03/08/2019 | Yes |
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Web | Servicemember |
| On XX/XX/2018 I began to speak with XXXX XXXX XXXX who worked at the Navy Federal Credit Union. I asked him to Obtain a VA Loan on a home I found on XXXX and I had already spoken with the Owner. The Owner was asking {$130000.00} for a Possible 3br, 2ba, Ranch with full basement on over 3 acres in XXXX XXXX XXXX Missouri. I picked this home because it was closer to my Father, who had informed me that his XXXX was back and I felt I needed to spend as much time as close to my Father as I can as our time is now limited. I had also gotten engaged and she wanted to stay with in a 2 hour drive to go and visit with her grandchildren. I was NOT a Desperate Shopper, but I was pretty set on what I was looking for in a home and the price I wanted to pay. I told XXXX that I wanted to buy a home and have a payment of about {$800.00} - {$850.00} per month and use my VA Benefits. Then when I first got in touch with the NFCU, I was informed that I would be working with 2 agents and NOT just one person. Then the second thing they began to pull on me was I was informed that I had to use the full amount of my VA Loan available to me. So they told me I needed to find a home valued at {$140000.00} and so I made contact with the owner and asked what the home would appraise out at? I was informed that the home would list for {$150000.00} and so ( WE ) agreed to raise the asking price to cover this amount that the NFCU was telling me we had to raise it to. Then before the ink was dry on the paperwork, they changed the price again to {$140000.00}, and I couldn't believe it! So we went back to the Realtor and redid the paperwork yet again. I also after XX/XX/2018 after speaking with XXXX XXXX, I did NOT feel she was working for me and I felt she was working for NFCU with many of the things she said and asked for was often duplicated and she was the ONLY ONE in the loop that did not get many of the files she asked for. The XXXX XXXX XXXX also began to be very stressed by the actions of the NFCU. There was a LOT of issues that seemed to come up and the property appraisal was lower than the VA Amount needed. I heard a statement from the Realtor who said that the Appraiser did not feel I needed to get some {$6000.00} cash put in my pocket after closing and so he did not appraise the property as high as it could have been. Then I was about to throw up my hands and tell XXXX to forget the whole thing and I would look for another home, as the owner was also wanting to hurry up and sell this property and I was slowing things down. But it wasn't me that was holding things up! Then XX/XX/2018, we became able to close and the Deed was recorded on the XXXX. However my Loan was changed from a VA Loan to a Conventional Loan and my interest was tripled, as well as there was another {$250.00} per month added to my monthly payments making it {$1000.00} per month with a {$53.00} handling fee. My monthly payments are now {$1000.00} per month and only about {$100.00} per month is going on my principle. When I asked why this had happened this way and I was informed it was the ONLY way they could have got me the Loan for the HOME I wanted. I had to pay over {$2000.00} to get my percentage points down to 6.17 % because they don't want to give me any cash at closing. Yet I still got a {$450.00} check at closing. I contacted the former owner and ask if he was okay with what had gone on with the deal and he informed me that he was very unhappy as he did not get the money he was requesting for the property. I asked what was he talking about and he then informed me that the Closing Costs had been blown WAY OUT and unrealistic. We ended the conversation in a bad note as he was also upset with me for all that went on with this loan. I have tried to find out WHY this Loan with NFCU went this way.. But I have gotten NOTHING from them as to why this took place. I even wrote the NFCU Board Manager and complained about the deal I got from NFCU, but I have heard NOTHING!! The first payment was suppose to be coming out of my SSDI check which was deposited into my checking account with NFCU, but they called me and asked me on XX/XX/2018, when was I going to make my House Payment that was due on the XX/XX/2018. It was then that I found out that the two agents DID NOT finish the work as they said they would make the payment auto pay from my checking as of XX/XX/2018. I contacted Quicken Loans to see if they could handle getting me a VA Loan and I was informed I am under water on my Loan and they can't help me till the Principle of my home loan comes down another {$7000.00} as the current price is too high above the appraisal of the home. Yet it was the NFCU that asked me to get the Price Raised in the first place and so I see the TRAP they set for me and now they will make so much more money off this big sucker, and yet the seller agreed to pay the closing costs, but they also did NOT get the amount of money they had been asking for the property because of over inflating of Closing Costs. I have give 28 years of my Life to the Military ( 15 years in the XXXX XXXX & then 13 years in the XXXX XXXX XXXX ) and then got injured and was NOT able to finish my Military Career with 30 years. Now I am getting XXXX % XXXX from VA & XXXX, but I can't get a VA Loan to buy my own HOME? What is going on here for real please??? Thank you, XXXX XXXX XXXX | ||||||
| 01/19/2021 | Yes |
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Web | Servicemember |
| To whom it may concern, I am reaching out for the second time, in regards to fraudulent activities that transpired on XX/XX/XXXX, with my bank accounts. The first attempt for help was denied. One of the companies involved, XXXX XXXX, misunderstood the whole situation that took place that lead to the hacking of my accounts with Navy Federal Credit Union. I will explain again what happened on Friday, XX/XX/XXXX. At approximately XXXX, ( NFCU : A Transaction for {$18.00} was approved on debit card XXXX by XXXX XXXX XXXX at ay XXXXEST on XX/XX/XXXX Txt stop to opt out ). I was home sick from work resting when I received the text from Navy Federal credit Union, alerting me that a purchase was just approved at XXXX XXXX XXXX XXXX with my debit card. Clearly, I could not be shopping because I was home sick. I immediately called my financial institution, Navy Federal credit Union, to dispute the purchase. Upon speaking with the customer service rep, I explained what had just happened. The customer rep explained to me that because the purchase did not come straight through my account, and it was a third party purchase that XXXX XXXX had sent it through, I would have to contact XXXX XXXX. At that time, I looked up the XXXX XXXX official site to contact them. I called the number, a customer service rep answered the phone, and asked, how may he help me? I explained what had happened with my account and explained that there may be some unauthorized purchases on my account ( for the record when you make purchases through XXXX XXXX, your bank card is attached to your XXXX XXXX account ). XXXX, the receptionist, looked up my account and stated that yes, there looks like some fraudulent activity has been going on. He stated some purchases amounts to me and stated that at this time, we will need to secure your account and your funds and investigate what is going on. He stated that we will need to secure your money in a safe secure place, until we research the hacker, because they are still out there hacking my account. He then had me load some apps through the app store on my phone in order to protect my accounts. ( I later found out that these were remote apps that allowed him to come in and see my phone and all of my personal information. ) Navy Federal told me that, later, after I called them that night to report that I believe that identify had been stolen. After the apps were down loaded, XXXX had me open up my debit card activity that was connected to the XXXX XXXX account. At that point, he began browsing through my accounts, claiming to be searching for fraudulent activities. Sadly, all of my accounts were visual during this period of time. He then said again that the hacker is still out there " If your phone rings do not answer, or it will disrupt the flow of things and we would hate to start the process all over ''. I continued to stay on the phone with him. He then said again that " we need to protect your money ''. He then asked me if I had a money transfer accounts. I told him that I only have cash app. He said great! we can transfer your money there for the meanwhile while we get your XXXX XXXX account straight. He clicked on my XXXX XXXX, he then typed in messages to cash app, in order for XXXX XXXX to allow access to my XXXX XXXX account. In addition, He asked XXXX XXXX to change my password, the text was sent to my phone and he accepted it because he was able to operate my phone with the app that he installed. He then went back to my navy federal account and started moving money around from one account to another, then he moved the money to the cash app account, then typed in some information, and told me that it was his supervisor, and he needed to inform her on what was going on. Come to find later, he was sending the money to an account in which he cashed out all of my money from all of my accounts. XXXX was doing so much and so fast, I could not keep up. I did say to him that I am not sure why this is necessary. He said mam, if you want to save the rest of your money, in your account these steps are very necessary, we have to do this, he said he moved all of my money to the XXXX XXXX, even from the joint account that I shared with my son. At that time, my phone beeped, it was my son. XXXX said don't answer the phone, the process will be lost by that time, I became frantic. My son sent me a text and said what is going on I am trying to pay a bill and my money is disappearing out of my account as we speak? I texted him back and told him that I was compromised, and that I was on the phone with XXXX XXXX trying to straightened things out. He told me to hang up the phone, he said that I was being hacked right now. I hung up from XXXX immediately. He continued to call back time after time and again. I did not answer. I then called XXXX XXXX back to explain what I had just experienced. Unfortunately, the agent said, because this was a third party situation, I could not file a claim. They said that they do not support XXXX XXXX. The amounts taken from all of my accounts total were approximately {$2900.00}. I did file a claim file a claim with XXXX XXXX and they told me that the transfers were legitimate, and they could not help me. I am attaching some pics that may help my verification of the monies being transfers, and the impression that it was being security safe temporarily. | ||||||
| 07/02/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022 I called Navy Federal Credit Union to tell them that there were fraudulent transactions on my account. At the time I was not able to provide much information. Whoever had stolen my information and made the purchases did so in a way that was very confusing. They made thousands of transactions across all of my credit cards. As well as attempting transactions to XXXX accounts that didn't even exist. At times they made these purchase attempts very rapidly. This meant that there was an overwhelming number of transactions and I couldn't possibly go through each one, especially in a short time frame. It seemed they wanted it reported right away. So, when I called I gave my best guesses on what may have happened, but I didn't know much for sure. I had hoped that they bank would be able to contact the merchant and track the IP of the person who made the purchase. My first fraud claim did not include much information. But I called back more than once during the process to ask if they needed any other information. They told me they would call me if they did. That fraud claim was denied and I was told I could appeal it and include more information. But no one told me specifically what information I should include or why it was denied in the first place. Anytime I called I would talk to a person who was not a fraud investigator. But someone else who did not actually know what information was needed. There were several times in later appeals that I was told to get some specific, difficult to obtain information and that is what they would need. But then when I would submit it, it seemed like the fraud investigators didn't even look at it. I feel they don't look at it because even when given very complete proof that something is true they will respond with a generic message that doesn't make sense given what I have told them. When I call everyone says they can't do anything about the fraud investigators, they have their own process. I submitted my claim and it was denied as was the appeal based on information that I gave early on, that I later found out was incorrect. During my first call with them, I stated that I had let someone use my XXXX account and that I thought that might have been how they were able to access my XXXX XXXX account. I found out later that was untrue. I found out that someone was logging onto my XXXX account and stealing my information. I could see that there were phones logged in that were not mine. The IP they were using and log in date happen to match purchases. The phones were from a different cell phone provider than what I have. These phones first logged in the same day I bought a new computer from a person who claimed they worked for XXXX. I later found out of that person was lying and likely sold me a computer that was infected with Malware and Spyware. I sent them the emails and they can see I made a cash withdrawal of that amount that day to buy the computer. Then I sent them the screenshots of the devices that logged into my XXXX that day. I have sent them a report from the FTC, the FBI, the police. I have sent them the emails from both XXXX and XXXX XXXX that state that someone was making fraudulent purchases using my account around the same time as these other charges. They were attempting to buy Gift Cards which is a common scam. I have been told that they have no obligation to investigate my claim, because they already denied it. But they denied it based on incomplete information. I have been told that the burden of proof is on me. But even when I present complete proof they ignore it. They tell me that they can't contact XXXX XXXX or the game merchant and that I have to. But when I try to contact them, they tell me it's my banks job to reach out to them and they can not share that information with me. The game merchant does track information for purchases. But they will not give it to me. I need Navy Federal to help and contact these businesses for me. I expected that my bank would help me in this situation. Especially given that they have a fraud protection garuntee. But they have not offered me any sort of help or advice. The total for the transactions is around {$10000.00}. Almost of that was to XXXX XXXX. And it was done in many transactions ranging in price from {$1.00} to {$100.00}. It has been months. I have had to spend so much of my time on the phone or computer. Looking for information I barely understand because I am not getting help from my bank that claims boasts fraud protection. I told them I could not afford to pay the monthly payments on {$10000.00} of debt that I did not accrue. I asked if there was a way to defer the payments. They did not offer me any assistance with that. I asked them to provide me with the information they used to deny my claim and they said they could not. When pressed on it they did give me reasons, all of which I had already disproven with evidence. I asked for their proof such as records of calls they claim to have made to me but they would not provide. I can not prove that I did not talk to them when they claim I did if they can not even tell me when they claim to have called me. I have had no communication from them. I have received no assistance. It seems like there is no amount of evidence or proof I could give them that would cause them to even listen to me. | ||||||
| 05/16/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I was contacted by the Navy Federal phone number ( XXXX ) XXXX - by a man who stated they were with the NFCU fraud department. Shortly after, while at work at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I recognized that the funds in my account were being spent in Arizona at XXXX and several other " designer stores. '' Approximately {$1800.00} from my checking and {$900.00} from my savings account was stolen. I contacted Navy Federal, who froze the account and began the process for a compromised account/ Stolen PII. I was issued a credit for the initial {$1700.00} and was advised that the additional ( approximate ) {$900.00} would arrive after further investigation ( this never came ). I was given a new checking account, savings account, and debit card. I launched a security alert with XXXX and began the terrible process of updating my payment information for direct deposit, utility bills, wifi, and so on. From XX/XX/XXXX - XX/XX/XXXX - I heard nothing further from NFCU regarding the matter. On XX/XX/XXXX- Navy federal denied the original claim for {$1700.00} and retracted the funds from my account, leaving me at negative XXXX dollars on Friday after working a XXXX work week. According to the NFCU supervisors at the Oklahoma call center, the case was closed, and my current situation was irrelevant. Beginning with giving me the run around to obtain the vague letter ; to treating me like a criminal / liar over the phone. One supervisor even stated that she could contact an investigator to help but would not do so. Another supervisor made an unauthorized transfer of {$53.00} from my savings account to my checking so I could get a meal. I begged and pleaded with multiple supervisors over the weekend as I had XXXX funds, which would be the beginning of my problems. I would remain appalled that not only did Navy Federal fail to return the entirety of my stolen funds but also retracted the partial amount initially allocated. I contacted Navy Federal Credit Union multiple times, where I was advised to seek out the letter sent to my mothers ' house at XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. The letter states, " Based on a thorough investigation of your account activity, we have determined that no error has occurred. '' - no further explanation, no further supporting documentation, no victim questioning, and nothing was provided nor performed by NFCU. I requested supporting documentation for how the decision was made- It was refused and denied by the NFCU call center supervisor. I requested what kind of supporting document I could provide to exonerate me from this baseless claim- Not one NFCU employee could relay such information. I requested a more detailed explanation for the statement " Based on a thorough investigation of your account activity, we have determined that no error has occurred. '' - which not one NFCU employee could provide. I requested names, emails, and phone numbers for NFCU employees- was flat-out refused by every employee I asked. On XX/XX/XXXX, I met with one of the employees at the Navy Federal in XXXX, California. I stated my case, and the NFCU employee gave me the security appeal form. I was then instructed to leave immediately if there were no further concerns. Intimidated and still needing clarification about the required steps, I would drive home with no other information besides a form. Throughout that day, I spoke with several supervisors at the Oklahoma call center. All but one refused to help me. I am trying to remember her name, but this supervisor was the only one willing to help voice my case and advised me on all required supporting documentation. I provided on XX/XX/XXXX : - appeal questionnaire on the NFCU XXXX XXXX - The security appeal form. - Timesheets. - Pictures at work. - Account statements highlighting conflicting time periods and geographical locations. Timelines of the entire event. Since then, it has been three weeks and three days on XX/XX/XXXX. I have asked periodically every several days to request an update or timeline on the appeal. I have received the same message stating, " Thank you for your message. After further review, we show that your appeal is still being investigated. Currently, there is no specific time frame we can provide, they are worked on in the order they are received. ". The relationship between Navy Federal Credit Union and I has become a problem that has branched into multiple aspects of my life. I was led to believe that members have rights, and these are not being honored. Such as safeguarding members ' accounts from purchases made outside their geographical location. Or " the right to any documentation on how the decision was made. ". I am disappointed with how Navy Federal has treated me despite being a member for ten years. All I am requesting is the original funds that were stolen on XX/XX/XXXX. I am confident that the investigator involved made a mistake. I sincerely and respectfully request any help, as Navy Federal will not do anything. I fear Navy Federal Credit Union will remain silent and never return the money I worked hard for and earned. I feel betrayed and will no longer be banking with Navy Federal once my money is returned. I would appreciate any further steps, timelines, or points of contact to which I can provide supporting documents. Very respectfully, XXXX XXXX | ||||||
| 07/24/2019 | Yes |
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Web | |
| Hello, My name is XXXX XXXX and I have banked with Navy Federal since I was a young man and able to have a viable bank account. I use my Navy Federal Credit card on a daily basis, or at least I used too. I had an injustice done to me by a contractor that I hired who decided to charge my card 8 times of {$5000.00} each, without my knowledge or approval. I submitted a complaint with the charges and asked what needed to be provided, I filled out the appropriate forms and when I spoke with the first contact at Navy Federal, he said " don't worry about the documentation right now, You submit that after the merchant responds. '' I said okay, no problem. I submitted my paperwork on XX/XX/26 and waited, the charges were removed shortly after ( only 5 of the charges ). I did not hear anything, nor did I receive a response via email or online message, so I called in about two weeks after submitting, they told me there was no news and to wait for the letter. I did this, and when I had not received anything on XX/XX/XXXX, I called in again, and a very nice lady told me that I would receive a letter by XX/XX/XXXX. I did not. I received the letter on XX/XX/XXXX, which I had a work function over the weekend and was not able to respond right away, but this should be okay, I was told at the beginning that I would have 10 business days to respond. On XX/XX/XXXX, I attempted to use my card, and all the charges had been reapplied to my card. I called in and found out they had closed the case because I had not responded. This was extremely frustrating, nobody ever let me know their was a deadline that tight, and I literally only had two business days to respond to a letter I waited a month and two weeks for! At this point I was advised by someone, I could not talk to anyone in the credit card dispute department, I would have to send in an email to appeal the case, that would take 10 days to get back to me. I asked for them to have the credit card dispute department call me back, they did not. I submitted the appeal on XX/XX/XXXX, XXXX and XXXX with no response at all. I finally went in to a branch to speak with a branch manager, who I prayed I could help. He worked with me to print off all the information and send it by email as, he too could not contact the credit card disputes department. He told me the same story, wait for someone to call you. Nobody called, no messages, no information. Just a letter in the mail that I received on XX/XX/XXXX ( dated XX/XX/XXXX ) that the case had been closed. The details in this letter only showed transactions that were manually entered in the guys square app, there was no approval or signature, as I did not approve this. I sent another message on XX/XX/XXXX, explaining my situation. The first response I have ever received during this whole ordeal came on XX/XX/XXXX, 3 weeks later!!!! The letter reads '' Thank you for using Navy Federal 's eMessaging service, Mr. XXXX. We do apologize that we were not able to pursue your case any further. We have reviewed your account and noticed that a supervisor call back has been submitted for you. You should receive a call back within the next 24-48 business hours at the earliest. If you have any questions, you may contact us at XXXX. Thank you, Credit Card Chargeback and Resolution Section '' So, here in line with EVERYTHING else that has happened with Navy Federal is ridiculously slow responses, IF you ever get one, then when you get a response, they can't help you, and you cant get to that department. Going back to what I have mentioned earlier, every time I call I have asked for the credit card disputes department to call me. They have not, until XX/XX/XXXX, which I found out today was well after anything could be submitted to XXXX, when I was at a training event, I called in and was told I can not talk to him, I have to submit a request for him to call me back. He called me back on XX/XX/XXXX and promptly told me that I was in the wrong, did not listed to what I was saying and kept saying his protocol lines. After getting nowhere with him for around an hour, he told me he was not a supervisor, so I asked to speak with one, he had to submit another request. I received a call from a very nice supervisor today XX/XX/XXXX who explained the situation and was sympathetic but explained there was absolutely nothing he could do. UNACCEPTABLE In summary, I tried very hard to submit what I needed early or when it was asked, I called in several times to check status, received no information, was told I could not talk to the department MULTIPLE times from several different people, case was closed two days after I received the information, I submitted my response to appeal three times with no response, called in and requested more info again, submitted message only and all of this was ignored until well after I could even appeal. The final response is " there is nothing I can do '' from the manager. I have not been taken care of at all, there have been MULTIPLE situations during this entire interaction where this was not handled properly or timely. My boss even just made a comment to me about how much time I have spent trying to deal with this. The response there is nothing that can be done is complete unacceptable. I have done my due diligence on this, Navy Federal has failed and this needs to be repaired. This needs to be righted. | ||||||
| 10/26/2018 | Yes |
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Web | |
| I currently have an auto loan with Navy Federal for a XXXX XXXX XXXX. Recently, I started having major safety issues with the vehicle, specifically black mold is growing on the internal air take and condensation box. Every time that the car is turned on, the putrid smell and mold spores are blowing directly in my face. I filed a complaint with The Georgia Dept of Law and took the car back to the dealership. They attempted to fix the problems to no avail, so we came to a reasonable compromise. XXXX XXXX XXXX in conjunction with XXXX XXXX XXXX will take the vehicle back as trade and put me into another brand new XXXX. It is currently nearing the end of 2018 and inventory is low on XXXX base model XXXX, so they put me into XXXX XXXX which has a higher price point. On XX/XX/XXXX, I contacted Navy Federal with the request for financing of the replacement vehicle and I was given a conditional approval. The original conditioned approval was based on a collateral replacement opposed to a trade in. Why this happened is unknown to me. On XX/XX/XXXX, I went to the dealership to facilitate the exchange and new purchase. The finance manager at XXXX XXXX along with myself contacted Navy Federal with the buyers report and the total amount of financing required. The representative that I spoke to, completely botched our request by canceling the first conditional approval and thereafter resubmitting it for a loan amount of $ XXXX, which is completely inaccurate. I asked her multiple times for the email address, so that we could send her the actual buyers report and she wouldnt give it to us, she keep contacting underwriting with factious loan amounts, which resulted in another conditional loan approval and a interest rate of 10.19 %, opposed to my original interest rate of 5.99 %. Additionally, the new conditions requested a letter from XXXX XXXX stating that they understood that the title of the vehicle was in my name only and that navy federal was not a listed lien holder. I requested a manager, that stated the same thing. That manager went on to state to myself and to the finance manager that they could deliver the vehicle to me and that a check would be available for pickup from the Navy Federal Branch in XXXX on Monday, as long as they receive that letter. XXXX XXXX delivered me the car, transferred ownership, placed insurance on the vehicle and transferred my tags to the new vehicle on Saturday. On XX/XX/XXXX, I contacted Navy regarding the requested sent documents and the status of the check. The representative stated the letter did not meet the requirements because of a error on their part. I told her that the letter was faxed and emailed over 8 times between Saturday and Monday and that the letter wasnt wrong, because it was exactly what they requested. The rep then updated the status and said that it was under review. On XX/XX/XXXX & XXXX, I spoke with a manager named XXXX, who stated that there were new conditions to the approval. He went on to state that two recent pay stubs and two recent bank statements were required. I told him that it wasnt a problem but is this going to be it, because I am in possession of the vehicle and its not paid for and the dealership keeps calling me about the check. He told me to expedite sending over those documents and that he would make sure that it was worked quickly. I complied with the request and forwarded over the documents. My bank statement reflect over $ 20K per month in deposits and my check stubs show income of approx. $ 18K per month. This should clearly be enough income to support the purchase of the vehicle. Last night, XXXX called me back and stated that the loan was denied because my bank statements didnt reflect the check deposited in full. This totally blew me away! I own the law firm and I spread out my income among several banks and stock investment accounts. I am not required by law to deposit my check into one bank account for the purposes of proof of income when the total deposits, transfers and ACHs meet the burden of proof. Its egregious that I am being penalized with double the interest rate, along with ( 4 ) conditional loan approvals, a verbal approval to deliver me the car and then a FLAT OUT DENIAL!!! I have never been late on any of my bills nor my navy federal accounts. The same account that funds my Navy Federal bank accounts and auto loan is the same account that some of money goes into as witnessed by the bank statements. I am formally requesting that this matter be escalated to the office of the president and to general counsel for Navy Federal. I am starting to feel like this matter is more personal or racially motivated! I have attached my tax returns, business returns, bank statements, corporations filings, federal ein page, American Bar Assoc card, lemon law complaints and filings. After escalating my complaints along with a promise to file a complaint with the consumer finance protection bureau and the Georgia Office of The Attorney General. Navy Federal shut down my account, my daughters account and my XXXX year old mothers account and labeled them all as fraud or unable to verify my identity, after my account has been opened for over four months. Its egregious and malicious. I have a legal services firm in XXXX, valid ID, valid Social and has lived in the XXXX community for over 12 years. | ||||||
| 04/27/2022 | Yes |
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Web | |
| I initially locked my rate for a 30 year conventional loan on XX/XX/XXXX with the lock expiring XX/XX/XXXX as my home was estimated to be completed the first or second week of XXXX. I was advised from the builders sales representative on XX/XX/XXXX that due to manufacturing shortages because of Covid the builder had a delay in getting siding and my close date would be XX/XX/XXXX. I immediately called NFCU to inquire about extending my rate lock and ended up speaking to XXXX and decided to change my loan term to a 15 year conventional loan instead of the 30 year. I signed the 15 year rate lock on XX/XX/XXXX at a XXXX rate and have since been inquiring about NFCU matching the builders incentives offered of {$5500.00} XXXX. Below are the major concerns I have that havent been appropriately handled or addressed. XXXX. Since I am changing the loan term, wouldnt the original rate lock be considered null and void, as Im using a different term entirely? I would assume that with this change, that would allow me to lock the rate for the new term at the XXXX rate listed on the LE I signed on XX/XX/XXXX for 60 days. Which we be a lock valid through on or around XX/XX/XXXX. If this is not the case, please send me documentation and justification stating otherwise. I am not getting valid answers or justification from NFCU representatives. In addition, NFCU has a fiduciary responsibility to handle this process in an ethical manner. Why would NFCU ask the consumer to sign a LE with a lock expiration date prior to the known closing date? If this is standard practice, NFCU has a duty to at that time advise the consumer of any additional fees or financial impact for the consumer before signing. NFCU not been able to answer my questions as to what will happen since my close date is 4 days after my lock expiration ( which is 60 days from the lock on the 30 year term ). I have been told many different things might happen from NFCU loan officers and resolution specialists, but no one will provide me clear expectations of what the process is. I have been told by NFCU, there XXXX be no fee or cost to extend the rate lock since the delay in closing is due to Covid related manufacturing. I have been told by NFCU there may be a XXXX penalty to extend the rate for 30 days. I have been told by NFCU resolution specialist XXXX that I might have to pay the interest rate published on the day of closing. This can not be meeting regulations. As I explained to NFCU, there is a significant financial impact that I will have for the next 15 years because of this and I need a resolution. It is not feasible for me to not know what my interest rate will be and/or what, if any fees or penalties are associated with changing the lock date. And the fact that the loan officers and resolution specialist can not provide me with information is not acceptable. XXXX. I want to be very clear regarding the {$5500.00} XXXX that is being offered by the builders lender. NFCUs website refers to builders incentives being matched if listed on a loan estimate from the competitor. I did as the NFCU representative advised, and reapplied with XXXX knowing that their rate was higher than NFCU ( and I even mentioned it in my emails to NFCU ) in order to get an updated LE showing they would offer the {$5500.00} on the 15 year product, so that NFCU would match the {$5500.00} incentive. I certainly wouldnt have done that without instruction and had my credit re-pulled again if I wouldnt have been advised that was what was needed for the {$5500.00} XXXX to be matched by NFCU. NFCUs website doesnt mention that the builders incentive is only able to be matched if NFCU cant match or beat their rate. These are two separate benefits advertised on NFCUs site. The match or beat the competitors rate is one benefit. Matching builders incentives is listed as another separate benefit. I am beyond disappointed and physically sick over all of this. I am scheduled to close on a home in just over 30 days and multiple NFCU representatives have given me conflicting information and are not able to provide me answers to what I assume are pretty common and basic mortgage questions. A loan term change, rate lock change, and their misleading website which would have any consumer thinking the builder incentive match is separate from the rate match benefit. Either way, this not only will have a direct financial impact on me by me potentially having to pay a higher interest rate for 15 years, not knowing if there are fees/penalties to change my lock expiration date. I have been told by NFCU that they dont know the answers to tell me and someone else will get back to me. Its absolutely unethical and illegal. This can not fall within the laws and regulations put in place to protect the consumer. Misleading advertising, employees who are giving conflicting information, not able to get my questions answered, all while interest rates continue to rise and I feel like no one at NFCU will assist me. This is time sensitive and has major financial impact on me and my life, but I am not getting help or answers. Im beyond frustrated and would like this to be reviewed in its entirety. I have multiple emails that Id be happy to share. I would like for a thorough investigation/audit on NFCUs handling of this mortgage process and their business practices. | ||||||
| 02/13/2023 | Yes |
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Web | Servicemember |
| Shortly after leaving XXXX XXXX XXXX XXXX I was visiting family late in the month of XX/XX/2022. I received a notification from Navy Federal Credit Union ( NFCU ) stating that XXXX dollars had been withdrawn from my checking account. I knew that I had no automatic payments scheduled, especially not for that amount. I called my wife and all family members to make sure it wasn't a mistake on their part. I then called NFCU immediately to report the fraud. They launched an investigation and within 4-5 days, I received a XXXX dollar stand in credit while they tried to find my money. After not receiving a phone call for days after, I called them to ask about the process. They stated that the investigation was inconclusive and was still open. My parents and I all changed our user names and passwords on email, bank accounts and other accounts to add a layer of protection while we figured this out. Later that year, around XX/XX/2022, I received yet another notification that XXXX dollars was withdrawn from my account. This means that the XXXX dollar credit that was issued to me by the bank was now gone. Making the total loss XXXX dollars from the account. XXXX dollars from my own money and XXXX dollars from the banks credit. I immediately called the NFCU fraud department to report the theft and they launched yet another investigation. However, they never reinstated any type of stand in credit for my account. At this time, I verified that the investigation from XXXX was still ongoing. I notified my parents as they were joint owners on the account for emergency reasons. They saw the ACH transfer on their computer as well and saw that the XXXX dollars was wired to 3 separate accounts with false names. After coordinating with the bank for hours, we reached no solution. Days later in XX/XX/2022, I received a letter in the mail from NFCU claiming that they had concluded all investigations and had found myself and my parents to be at fault. They claimed to have found no fraud on their end and claimed that it was my mother 's home computer that performed the transaction. This is immediately suspicious for several reasons : - When sending the letter, they did not include any form of evidence, proof, images, contacts or assets used in the investigation. It was simply a claim that I owe the bank XXXX dollars and that was it. How can you find someone guilty of a crime with no evidence? - Earlier in the month of XX/XX/2022, NFCU had a major crime bust WITHIN THEIR OWN SECURITY DEPARTMENT where multiple NFCU security personnel used screenshots of member 's SSN, bank statements and all other personal information to steal tens of thousands of dollars. There are multiple articles written about it. They used the same tactic to steal back then as well. They would wire transfer the money and then close the account. - We all know that bank fraud is a very serious offence and is met with swift legal action. Especially when the sum of the fraud is XXXX dollars. So that begs the question ; If my parents and I were ALLEGEDLY found guilty of this fraud, why haven't any law enforcement personnel contacted us or arrested us? Why hasn't the bank pressed any charges? Why haven't they contacted me to get the money? - Furthermore, my parents have worked very hard throughout life to build their business and as a result, make over XXXX XXXX a year. They have many assets at their disposal, a very nice house and additional funds for vacations, new cars, etc ... WHY would they possibly need to steal a measly XXXX dollars from my account? What would be their motive? It should be noted that they have had access to my account for years. Why would they steal it now? Thats the answer : they wouldn't. They haven't hit any financial hardship. It simply makes no sense. - Both my parents and I have called NFCU to dispute the claims on several occasions. Each and every time we demanded to see proof of their findings, they would deny any information regarding an account that I OWN and would demand a subpoena to get any information from them. So they claim we have to pay them XXXX dollars with NO evidence, NO proof, and NO justification. They are forcing my hand to find an attorney to reclaim what was stolen from me. I believe without a shadow of a doubt that this case is the result of INTERNAL BANK FRAUD. That is precisely why they haven't sent any proof or evidence of their findings. ANY one of their security personnel has immediate access to my banking information with the click of a mouse. This would explain how they were able to access my mother 's credentials, create external accounts, add them to my account without notifying me, transfer the money and close them out in just over an hour. NFCU needs to be investigated immediately. Since these events have taken place, I have secured the rest of my funds in a separate financial institution out of fear that they will steal more of my money. NFCU has forcefully deducted an additional XXXX dollars from my checking account resulting in a negative balance. This is all due to their claim that I owe them XXXX dollars. NO evidence has been provided ; therefore, NO money will be going to them. I can provide the letter I received and bank statements if needed. Please reach out to me for any questions, clarification or concerns. | ||||||
| 06/27/2018 | Yes |
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Web | Servicemember |
| I am a victim of internet fraud and Navy Federal Credit Union has denied my claim and appeal. I have had my account hacked three times. The scammer was hacking into my online account, adding an external bank institution, transferring funds from my savings into my checking account and trying to initiate a transfer. The first two times I received an alert through email and was able to call in and have the transactions stopped. I was asked by their security department to run virus scanner and have some type virus protection installed on my computer before regaining access to the online system and I did exactly as I was asked. My employers XXXX person added a firewall, virus protection and scanned all computers for viruses. I explained to them that I work in XXXX XXXX at my job and I do payroll, banking/accounting transactions, wires, etc for my job on the exact computer that I used to access my online account. Unfortunately, the third time which was XX/XX/2018, I did not receive an alert email and the transaction was successful from the scammer. I logged into my online account on Friday morning XX/XX/2018, to make a payment on my credit card and that is when I noticed the activity. {$4600.00} was transferred from my savings account into my checking account, then transferred out to XXXX XXXX XXXX in Texas to a person name XXXX XXXX in the amount of {$4400.00} I immediately called NFCU to report and file a fraud claim. On XX/XX/2018 I received a call from an XXXX who identified herself as XXXX XXXX. I explained to her the situation and what happened. She told me that she believed that I was part of the scam that I " probably loaned someone the money and now want it back ''. I was already upset from being violated in the worse way by having hard earned money scammed from me, but to have my bank that is suppose to help me blame me was the worse feeling ever. She then proceeds to tell me that I was asked to stop using my work computer after the first attempt to withdraw funds and that the transfers were all initiated from my computers IP address. I explained to her that I log into my job 's banking account daily, several times a day and that I log in as well to my other banking institutions and there has been no fraud activity on those accounts. She said that my claim would probably be denied due to those reasons and that I would receive a letter in the mail. I called back to customer service and was unable to speak with XXXX XXXX I left her several messages but no return call. I had my jobs XXXX person come run virus scanners again and asked for my IP address so that I could verify it with the XXXX, but she never returned my calls for 3 days. On XX/XX/2018, I called NFCU customer service for additional information and was told that my claim was denied on XX/XX/2018. This let me know that the XXXX was bias in her decision because there is no way she did a thorough investigation because the same day she spoke with me on XX/XX/2018 she denied my claim. Customer service also gave me the last 4 digits of the bank account number from XXXX XXXX but was unable to give the whole account number due to privacy reasons. I also requested my log in records and transaction records, but NFCU was unable to release any of that information to me. I then went to the XXXX XXXX Police XXXX and filed a report and gave all the information to the XXXX at the police department. He told me he would submit subpoenas from both banks as well as login records for my online account. The XXXX from the XXXX Police Department also told me that it is very easy for a scammer to copy an IP address from any computer, so that is not a liable reason to deny a fraud claim. NFCU also suspended my online privileges, so I can no longer use their online system. I filed an appeal of the decision and per customer service my appeal was accepted on XX/XX/2018 and they had 15 days from that date to review and make a decision. I never received anything in the mail and I made several calls and still nothing. I was told by the fraud department that they sent messages for the XXXX to give me a call. I called on XX/XX/2018 and XXXX, XXXX, XXXX and still no calls or decision. On XX/XX/2018 I called once again and was told the appeal XXXX XXXX noted " claim remains denied ''. I am distraught over this ordeal. I am a law abiding citizen and I work hard for my money and to have someone violate me by taking it, then my own bank not supporting me in anyway or even trying to help me makes the matter worse. I do not believe that either investigators XXXX XXXX nor XXXX did a thorough investigation. I have cooperated fully and have been very patient in this matter. I am the victim in this matter and my own bank is treating me like a criminal. I will continue to fight for my money because it was wrongfully taken by the scammer and Navy Federal Credit Union. This ordeal has been a nightmare and I have been treated unfairly by Navy Federal Credit Union fraud/investigation department. It has been over 30 days from the time the XXXX Police XXXX XXXX sent subpoenas to NFCU and as of XX/XX/2018 he still has not received correspondence. He has already received calls from XXXX XXXX XXXX in Texas but they are unable to assist him without the requested information from Navy Federal Credit Union. | ||||||
| 08/31/2023 | Yes |
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Web | |
| Dodd-Frank Act, Title X, Subtitle C, Sec. 1036 ; PL 111-203 ( XX/XX/XXXXXXXX ). Sec. 1031 of the Dodd-Frank Act. The principles of unfair and deceptive practices in the Act are similar to those under Sec. 5 of the Federal Trade Commission Act ( FTC Act ). The Federal Trade Commission ( FTC ) and federal banking regulators have applied these standards through case law, official policy statements, guidance, examination procedures, and enforcement actions that may inform CFPB. The standard for unfairness in the Dodd-Frank Act is that an act or practice is unfair when : ( 1 ) It causes or is likely to cause substantial injury to consumers ; ( 2 ) The injury is not reasonably avoidable by consumers. It took 18 days to speak with someone from the security department on this matter initially and the exact words were mentioned : You will not lose your account. Every member has to go through this verification within the first 6 months. Go to your local branch and file an appeal, have them fax or email it to us and we will have your case solved once we verify your information to remove this 1st Party Fraud alert. I did so, and continuously called the banking security department for an update. As the days still go by, theres a credit card that i was APPROVED FOR that is due. No statements. No word from Navy Federal other than they were verifying my documents. After multiple tries and being on hold for 2-8 hours a day, they never gave me information. It went from 10 days to 30 days. I did manage to speak with someone that put a grace period on my payments for 60 days while the other department, whom no one can contact, fixed the issue. NO CUSTOMER SERVICE REPRESENTATIVE could access my account to send statements. I dont know anything charged on my account after XXXX XXXX XXXX Nothing. Although no one has sent me a statement to my address on file, means Im unaware of my status on payments, due dates, credit limit, etc. As of XXXX XXXX XXXX, my credit profile states that Im 30 days behind on my credit card bill but Navy Federal has failed to provide statements when asked which has produced harm to my financial well-being also marking my account as over credit limit, closed by credit guarantor for FRAUD. Navy federal opened my account without a problem and Im the person who actively opened the account. XXXX demeaned me during the conversation on every level. Didnt have any compassion for the XXXX I was going through because of the account closure nor did he display any value in fixing the issue. The Equal Credit Opportunity Act makes it illegal for a creditor to discriminate in any aspect of credit transaction based on certain characteristics. As of XXXX XXXX XXXX I have yet to receive a statement, my account is still frozen, the account is marked as late on the credit bureaus due to navy federal limiting my options and submitting this to collections. Navy federal Credit Union completely froze my account in XX/XX/XXXX after a phone call with XXXX at XXXX XXXX. A customer service representative told me at XXXX XXXX navy federal fraud security team had VERIFIED my identity by the appeal form and submission of GA Identification and my account status was ACTIVE Upon talking to XXXX XXXX XXXX I informed him that I was going through a divorce, Navy Federal was in the loophole of adding to the crisis. Ive filed an Identity Fraud case with the FTC and no response from Navy Federal. AT XXXX my account is LOCKED FOR GOOD. My ex, XXXX XXXX XXXX XXXX, had access to my accounts and submitted numerous applications for a credit card or something else. The details were few and vague considering THIS ACCOUNT IN QUESTION WAS APPROVED WITH NO PROBLEM AND PAYMENTS MADE ON TIME. I have NOT received a CREDIT CARD statement from navy federal since losing access to my account. XXXX XXXX LOCKED my account for good because I specifically told him that while going through a divorce, I needed all of my financial documents to present to the court to have my balance on my credit card paid down or i would have to file identity theft charges and Ive done so. He neglected to tell me about the applications being processed until the end of the conversation and I could not confirm that I submitted anything else. Navy federal approved my account by account share through my brother, XXXX XXXX and everything was approved without a problem. Navy federal told me when my account was initially frozen that what I was experiencing was what EVERY member experiences during the first 6 months of a new account. She said all I had to do was submit my appeal and my account would be reopened. THAT WAS NOT THE CASE. They violated my consumer rights by failing to give me correct information concerning my financial well-being. My account was open, funded, operable without a problem. As a consumer, with an active account, I shouldve been made aware of these fraudulent applications that were being done. A judge ordered my financial documents from navy federal for the divorce proceedings in XX/XX/XXXXXXXX and as a result, I was held in contempt of court and fined {$1500.00} or 30 days imprisonment due to Navy Federal NEGLECTING to provide financial documents. This has caused my XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX all be closed because of rejected payments by Navy Federal. | ||||||
| 09/16/2023 | Yes |
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Web | Servicemember |
| My husband, an XXXX XXXX XXXX XXXX had a credit card debt with Navy Federal that resulted in just recently them taking every cent from our joint account leaving us with absolutely nothing to live off of. The ONLY reason it was even brought back up after all these years is because my husband actually reached out last month to discuss a payoff, set up payments. So in the end he reached out to try to make things right and in return Navy Federal took everything he had and was extremely harsh about it. The first representative he spoke with told him ill get you transferred but you aint getting no money back he said excuse me? and she repeated i will transfer you but you wont get nothing back. Another representative he spoke with told him the agreement he signed for the credit card could not be accessed online that he would look and see if he could send the agreement which we now know was not true and hes legally obligated to provide such documentation. We reached out and explained that i had been ill the last few years and unable to work so my husband was carrying the load himself and we had been struggling to get by the last few years but i took a job just XXXX months ago while XXXX just to try helping him tackle these debts and get back on track..The money navy federal took included my last check before my XXXX XXXX. I was preparing to pay the {$1500.00} owed to my XXXX for the XXXX of the XXXX i am currently XXXX with due any day. Those funds were due to her that day and i now have nothing at all to pay towards the birth of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last year. Due to the financial hardship weve been experiencing our mortgage was also on hold while we worked on getting a loan modification as we had fallen behind. After XXXX months of waiting we were finally approved with a {$700.00} mortgage increase now making it {$2100.00} with the first payment being due XX/XX/XXXX and we now have NOTHING to pay towards our first mortgage payment after waiting XXXX months! We have to be on a XXXX month trial with this new mortgage so if we do not make payment or are late we will lose our home. It seems that is exactly what is about to happen because we have absolutely no way of replacing what Navy Federal took. I will have to get rid of my current XXXX plan and will not be able to XXXX with the XXXX ive seen my whole entire XXXX because i am now unable to pay her the necessary fees before XXXX. Also, this took place XXXX days before my XXXX XXXX XXXX daughters birthday so we also have NOTHING to contribute to her birthday. We had absolutely no food left in the home the day this took place and i was planning on grocery shopping after work. Weve had to have family members come together just to feed the children. I worked so hard to make the funds that they took so that we could comfortably start working towards things and bettering our credit. Even in my last month of XXXX i was taking everyday my workplace had available, barely seeing my family anymore and risking another XXXX XXXX like we experienced last year only to have the XXXX we had snatched from us. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am trying so hard not to allow that to happen to this XXXX but i dont see how my family will recover from this. This has already started a spiral downhill and i am trying to prepare for us to lose so much. We explained the hardship they would be causing and that my husband had literally just reached out to try to figure things out with them and it got us nowhere. They took everything and then considered the amount they took as a settlement. This is such harsh treatment and i know that the financial hardship caused was not considered at all. The representative i spoke with told me this isnt the normal route Navy Federal takes. He said once the account was switched back they typically would send out letters themselves before taking action. We did not receive anything before this, definitely not a letter explaining their intent to offset. I am aware of our options in this situation as weve been able to speak to a few people about the way the process was handled considering my husband reaching out to work with them just a month ago as well as some of the things we were told during the phone calls but we are hoping to not have to stall things out. I did ask for atleast the funds in the account that were mine to be recovered and that was refused as well. They stated that the system sees it as my husbands funds. He did in fact reach out to THEM about this debt to try to work on paying them and this was the end result. We havent had the funds to do so anytime prior but the entire point of me taking a job was for situations like this. It would a little less harsh had he not reached out to try to figure things out just a month ago. Navy Federal speaks so much of their dedication to XXXX XXXX XXXX XXXX and their families but is capable of ruining one family in the matter of seconds and allowing their representative to be ruthless and cold about it. Mentally i am afraid for both my husband and I. Id also like to add i was not linked to this credit card we just had a joint account together which is the account they drained. | ||||||
| 12/20/2022 | Yes |
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Web | |
| XXXX XXXX! This is for your under writer! Ive also attached my Certificate to my name and fee schedule. XXXX. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the XXXX under section XXXX of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. XXXX be sending this in the form of an Affidavit. XXXX XXXX XXXX. XXXX, XXXX Congress " The ownership of all property is in the State. Individual, so-called ownership is only by the virtue of the government, i.e. law, amounting to mere user, and use must be in accordance with law, and sub- ordinate to the necessities of the state. Congressional Record, XX/XX/XXXX on XXXX, XXXX " Under the new law, the money is issued to the banks in return for government obligations, bills-of- exchange, drafts, notes, trade acceptances, and bankers ' acceptances. The money will be worth XXXX cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of the people of the nation. Title XXXX XXXX. - Obligation or other security of the United States defined The term " obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. XXXX 's are obligations of UNITED STATES : HR XXXX : " The term " obligation '' means Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. Title 31 3123 makes a statutory pledge of the United States government to payment of obligations and interest on the public debt Title 31 {$3100.00}. Payment of obligations and interest on the public debt ( A ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( B ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve Notes are, and pay them with FRNs, which is legal tender. Taxes and all bills associated with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt, dollar for dollar. The Constitution does not give we, the people " rights. '' It forbids the government to ignore the " God given Rights of the people, '' as seen in the 9th Amendment : " The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people ''. In addition, the 10th Amendment : " The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people '' It is a fact : Title 31 3130 further delineates in its definitions a portion of the total public debt, which is held by the public as the " Net public debt, '' 3130. Annual Public Debt Report ( a ) General Rule. On or before June 1 of each calendar year after 1993, the Secretary of the Treasury shall submit a report to the Committee on Ways and Means of the House of Representatives and the Committee on Finance of the Senate on- ( 1 ) the Treasury 's public debt activities, and ( 2 ) the operations of the Federal Financing Bank . For whatever reason we can associate with their actions and reasons they did so we may benefit. We are beneficiaries, the government are trustees ; Trustees pay debts, beneficiaries do not. Thus, government obligations are not taxable. In fact, by the 14th Amendment, 4, we need people to create credit instruments. We must also Accept For Value, the debt instruments/legal tender of the United States . As long as the debt exists, the Democracy exists. The Republican Form of Government, The United States of America, can only come back when the debt is gone. Since Federal Reserve Notes ( FRN 's ) as legal tender are debt notes, an insufficient number exists, for their repayment in kind, will not cover the interest " owed. '' Using FRNs to " pay '' debts only increases the government obligations on debt by their creation. | ||||||
| 04/25/2019 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I applied for a mortgage with Navy Federal through the online application portal. I received an email confirming my application submission with a loan number XXXX and XXXX XXXX XXXX ( NMLS # XXXX ) as the loan officer assigned to my case. Ms. XXXX and I exchanged a few emails on XX/XX/XXXX and she asked me several questions that were redundant of information already provided within my application. She also asked me questions that I felt were inappropriate and insulting. Specifically, she asked : 1 ) are you full time or part time?, 2 ) hourly or salaried?, 3 ) what is your hourly rate or salaried amount?, 4 ) what is the physical work address you report daily?, and 5 ) what is the price range you are looking at? what is the lowest you would consider being approved for? Questions 1-3 are all answered within the online application, and in fact, any information that is missing when completing the online application prevents submission of the application for review at NFCU. Question 4 is not asked on the application, however the answers to the first 5 questions are all found within the application and supplemental documents that were uploaded to my account and/or emailed directly to Ms. XXXX. I also want to note that despite me informing Ms. XXXX that I had uploaded these documents ( W2, earning and leave statements, bank statements ) to the NFCU official portal, Ms. XXXX informed me that it would take longer for her to view them that way so I offered to email them. She did not warn me that email is not secure and that they should not be emailed, and instead, encouraged me to email them directly to her. On my application, I indicated that I was interested in a prequalification for {$380000.00}, so again, not sure why she asked the last two questions. Asking someone for the lowest amount that theyd consider is the opposite of what consumers seek for a prequalification, which is the maximum approved amount. Its also insulting to someone who makes more than {$120000.00} annually. My communications with Ms. XXXX were unpleasant. I felt she was rude to both me and my realtor and for that reason, we requested a different loan officer. She told me and my realtor that if the amount I needed was too high, her underwriters wouldnt even process the application, which made it seem that she simply did not wish to waster her time on my application at all. We sent an email asking to be reassigned to a different loan officer and as a result, her supervisor, XXXX XXXX ( NMLS # XXXX ), contacted me. Ms. XXXX informed me that she was reviewing my credit file and noticed that I had a short sale in XXXX, and that because of the short sale being within 3 years, I wouldnt qualify for NFCUs zero down payment loan. She went on to say that the requirement for zero money down loans with Navy Federal is four years from the date of the short sale. Ms. XXXX stated further that, anything within the 4 years required a 10 % down payment. Disappointed, I accepted the determination at that time and began looking at other options. Ms. XXXX canceled my application. The next day, however, I pulled my credit report and saw that Ms. XXXX, who stated she was looking at my credit report while we were speaking the previous day, was incorrect and that the date of my short sale was in XX/XX/XXXX, making it more than four years ago. I called her to tell her this and she then informed me that NFCU requires the short sale to be seven years prior. My realtor jumped into the conversation because at this point, we both felt as though she was making up reasons not to process my loan paperwork. I emailed Ms. XXXX a screenshot of my credit report from XXXX XXXX as well as the recording in which she clearly stated that the requirement is FOUR years and only then, did she agree to process my file. During our discussion on XX/XX/XXXX, Ms. XXXX stated that my credit report showed the disposition of the short sale in XXXX, which is incorrect. She also changed the entire guidelines that she explained the previous day, leading me to believe that she was making things up the entire time. My realtor requested that she send me the guidelines she was quoting and she sent an alleged excerpt of them, copied here : On Wednesday,XX/XX/XXXX XXXX XXXX MST, XXXX XXXX wrote : Hi Ms. XXXX, I am not able to provide copy Navy Federal guidelines ; however, this is Navy Federal Guideline for a Foreclosures : 7 years from the disbursement date, if the LTV/CLTV is greater than 90 % 4 years from the disbursement date, if the LTV/CLTV is 90 % or below 2 years from the disbursement date with extenuating circumstances and the LTV/CLTV is 90 % or below It is concerning that the guidelines provided by Ms. XXXX are for FORECLOSURES, not short sales. She also contacted me on XX/XX/XXXX and told me that my application was denied due to the seasoning of my foreclosure. I did not have a foreclosure and am concerned that she is using arbitrary guidelines to deny me credit. I record all my phone calls and have evidence to support everything within this complaint. I have also contacted Ms. XXXX supervisor, XXXX XXXX, who is supposedly unavailable today. I believe NFCU is discriminating against me. | ||||||
| 02/17/2019 | Yes |
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Web | Servicemember |
| I put in for Loss mitigation XX/XX/2017 because my foreclosure was dismissed because Navy Fed did not send my cashiers check to XXXX for {$1700.00}. I was not told at that time my prop and he went into foreclosure in XXXX my And bankruptcy was dismissed in XXXX I had to file for Bankruptcy because my previous Loss mitigation was denied Because I did send in Information regarding my health insurance however at the time I had to send in a years statements from my bank accounts which the fridge drawer from my Health Insurance was on the bank statement information regarding my health insurance however at the time I had to send in a years statements from my bank accounts which the fridge drawer from my health insurance was on the bank statement. I called and called complaining they went back to my case and then told me it was the night again because the property was empty however they have a lease on file from my renters I recently spoke with XXXX who was handling that case and told me that she personally called the branch and was told that someone called me and I told them the property was empty this never happened and they have a lease on file so why would I say the property was empty I recently spoke with XXXX who was handling that case and told me that she personally called the branch and was told that someone called me and I told them the property was empty this never happened and they had a lease on file so why would I say the property was empty Most importantly Navy Fed does not require anything regarding health insurance for a lost mitigation case so I had to file for bankruptcy to say my Property for the wrong reasons property for the wrong reasons My new last medication case was dismissed because I was told my hardship letter did not prove my hardship The letter stated I was recently divorced and out of work that usually is considered a hardship however I was told that was not a hardship They got my monthly income from the VA which was about {$1000.00} a month I forgot to tell them about my retirement check but since they had six months of my bank statements if they read the bank statements they wouldve seen that money and on the application it asked how much money I have on hand and how much money I have in the bank at the time I had about {$5000.00} in the bank so I dont know why theyre saying that I didnt have enough money to follow through with the last medication they got my monthly income from the VA which was about {$1000.00} a month I forgot to tell them about my retirement check but since they had six months of my bank statements if they read the bank statements they wouldve seen that money and on the application it asked how much money I have on hand and how much money I have in the bank at the time I had about {$5000.00} in the bank so I dont know why theyre saying that I didnt have enough money to follow through with the last mitigation Then I was so that the property was in foreclosure for too long and it didnt allow a quick sale then I was so that the property was in foreclosure for too long and it didnt allow a quick sale I was not told the property was in foreclosure until XXXX I call their lawyer and spoke with them and was told all the for closure information by law had to go to the rental property I asked where they aware that I did not live there I was told they sent out a letter to me which I never received and then they sent out another certified letter which I did receive in XXXX notifying me of the foreclosure I was not told the property was in foreclosure until XXXX I called their lawyer and spoke with them and was told all the foreclosure information by law had to go to the rental property I asked where they aware that I did not live there I was told they sent out a letter to me which I never received and then they sent out another certified letter which I did receive in XXXX notifying me of the foreclosure. So they told me the only time they legitimately got a letter to me regarding the for closure was XXXX In the letter that I got telling me that I was denied I received the letter was dated XX/XX/2017 Its stated in the letter that if I paid the back payments by XX/XX/XXXX the foreclosure would be stopped its stated in the letter that if I paid the back payments by XX/XX/XXXX the foreclosure would be stopped however I did not receive the letter till XX/XX/XXXX and the property was sold at XXXX XXXX XX/XX/XXXX In that letter it also stated that I could appeal if I was not happy with the decision and I had to send a letter by XX/XX/2017 and I was told my XXXX to bring the letter to her to ensure the letter was processed and I did. To this day I have heard nothing. What they were going to do was a question because I got the letter to late to do anything and Im sure they knew the sell date so was the date to Appeal after the sale that. I asked why wasnt the letter sent certified so much sure I would give it in a timely matter and was told last medication doesnt do that in my mind last mitigation should be doing something to make sure that their letters are received in a timely matter when they are time sensitive and this was not done so they sold my property and I could not do anything about it | ||||||
| 01/27/2023 | Yes |
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Web | Older American |
| I was on the phone talking to a friend of mines around XXXX on XX/XX/XXXX about Navy Federal Credit Union 's OOPS account. This account provides you {$500.00} to cover overdrafts. Since I signed up, I seem to keep owing the bank fee after fee, or I can't transfer my funds and when I transferred {$500.00} from my savings account today, the Bank as XXXX transferred the money out of my savings back to my checking account ending in XXXX. I am a XXXX XXXX. I received my XXXX check. Great news! The funds you recently deposited are available now in your account. Here are the details : {$1300.00} was deposited into your EveryDay Checking account ending in XXXX. As of XX/XX/XXXX at XXXX XXXX the available balance is {$1300.00}. I enrolled in an OOPS account with Navy Federal Credit Union. They offer {$500.00} in overdraft protection. I work fulltime for XXXX. But my job is on hold until the govt signs a bill so I needed the {$500.00} to cover an overdraft. I thought this was good since I've been with the bank for a number of years and have always been satisifed with their service. My rent is {$1300.00}. I usually transfer {$1300.00} to be made payable in a certified check directly to my landlord. But I owed the bank {$580.00}. I asked them how come the fees were so high. I get no explanation that makes sense. I wanted to make sure I paid the bank back for the overdraft of {$500.00} plus fees. I transferred {$1300.00} to my second checking account ending in XXXX ( I have another checking account XXXX I need to close but XXXX takes XXXX days to change banks I leave it partially open for deposits. I can't use the account, I can only transfer my XXXX to XXXX ). Suddenly, the bank transfers the XXXX to my Navy Federal credit card account. I called the bank to ask why? They said, I made a mistake. I had {$54.00} left in my checking account ending in XXXX so I transferred that amount to my XXXX checking account and again, the money goes to my credit card account. I go to XXXX XXXX to a XXXX XXXX to pay cash for a pizza store that doesn't used credit cards. I go to ATM to withdraw {$40.00}. It was denied by the bank. I get a receipt. Later the bank sends this message : Account Activity {$43.00} was withdrawn from your EveryDay Checking account ending in XXXX on XX/XX/XXXX. I never received the {$43.00}. The bank said, it was a mistake. That I'll get another notice saying it was declined and to forget about it. Where is my {$43.00} I said. I never got the money out of the ATM machine? Account Activity {$1300.00} was withdrawn from your EveryDay Checking account ending in XXXX. As of XX/XX/XXXX at XXXX XXXX the available balance is {$54.00}. I called the bank. They said, we don't know why that happened, maybe you made a mistake? I explained I transfer funds all the time and I did not make a mistake. Somethings wrong with your algorithim. Now I'm told I must wait XXXX hours before I can transfer {$1300.00} out of my credit card ending in XXXX, back to my XXXX checking account. I didn't know at the time, I had to pay a fee to the credit card account. I didn't know by the time my money was transferred back to my XXXX bank account an overdraft would be charged to my OOPS account. I try to move the money out of the XXXX account but the system won't work. I'm told to wait XXXX hours and then I can access my funds. I did. All this extra time charges hit my account. Finally, I complain the bank took {$500.00} out of my checking account tonight asking me to pay on my OOPS account I've already paid. Another problem. Account Balance Notification Today 's current balance in your Share Savings account ending in XXXX is {$450.00}. Recent transactions may not be reflected. I never had {$450.00} in my savings account on XX/XX/XXXX. I owe {$450.00} to my Navy Federal credit card ending in XXXX. So I pay the minimum until I get back to work. The system is wrong again. XX/XX/XXXX, XXXXXXXX XXXX ( XXXX days ago ) Right now, my credit card nRewards Visa - XXXX is {$450.00} that I owe and on XX/XX/XXXX I'll pay {$15.00} minimum. Too many algorithim mistakes by the Bank? Transferring money, eccessive fees, I can't see the OOPS account because its hidden. I don't know what fees I'm paying until I call. They can't give me a total on all the fees? My account funds keep going down, down, down. I can't believe I'm going through this over this OOPS account. I wish I had never signed up for it. It's a trap. My friends are stuck owing the bank every single month. I have only {$120.00} in my account tonight. I'm afraid to look at my account tomorrow. The oops keep going, the fees keep coming, and the confusion of why is never explained. When I transferred approximate {$1200.00} to my XXXX accounts that paid the bank back leaving me less than {$700.00}. So why are you asking me to pay you again? In the amount of {$420.00}. I don't owe the bank any money. I don't want them sending my money to different accounts. I don't want to close the OOPS account so I can access it for my complaint with several federal agencies. Please look into this. Nobody 's complained but I'm sure I'm not the only XXXX XXXX getting hit. | ||||||
| 07/01/2020 | Yes |
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Web | Servicemember |
| My husband and I are/were in the process of selling our first home and purchasing a new home to better accommodate our family ( both using a VA loan ). We applied for the new mortgage and provided necessary documentation to the bank in XXXX of 2020. We notified the lender 's agent that we had previously been working with on XX/XX/2020, of the property that we identified. An executed Purchase and Sale Agreement was provided to the bank on or about XX/XX/ 2020. At this same time, we provided the bank with requested documents such as my husband 's DD-214 and copy of our earnest money check and receipt. During telephonic communications with the bank we discussed Closing timelines. During those recorded calls with Navy Federal it was made clear, and affirmatively acknowledged by the bank that we had accepted an offer on our home based on closing representations from them. That, because they made a number of representations that all fell through, that our family ( including XXXX toddlers ) would then be displaced. Between that date and XX/XX/XXXX communication attempts to the bank and our particular agents were largely unsuccessful. We provided tax return documents, W-2s, credit information, daycare verification, employment verification, etc. All requested documents were provided to the bank by XX/XX/XXXX. I made an attempt to confirm receipt by email on the XXXX, XXXX, and XXXX with no response. On XX/XX/XXXX we received an email indicating that the bank was trying to close by the end of that week. The agent stated that in order to move forward and be able to get the. file to. underwriting and ultimately close they needed my husband 's DD-214 and our W-2s. These are both documents that we've sent multiple times, to multiple Navy Federal Credit Union reps since XX/XX/XXXX. For a month and a half our documents were just sitting somewhere and no one was processing them despite knowing our situation and attempts to close. Between XX/XX/XXXX and XX/XX/XXXX we received no response to emails or voice messages. Calling and/or cc'ing supervisors throughout this process has had absolutely no effect. We have been forced to pay 2 months of rent in addition to a number of other costs associated with that due to misrepresentations by the bank and their absolute lack of willingness to communicate. Emails have been exchanged addressing the nonsensical disorganized disaster this process has been. Clearly, we did not close by the end of the week of XX/XX/XXXX. XXXX on XX/XX/XXXX we were asked by the bank if they could run yet another credit check because so much time had lapsed. We gave immediate approval. We were told that the goal then would be to close " by the end of the month [ of XXXX ] if not sooner. '' Countless emails and phone calls have gone unanswered. Emails to our supposed " representative ( s ) '' even just to confirm that emails and attachments have been received, have gone unanswered. While the closing date on the original Purchase and Sale Agreement is " on or before XX/XX/XXXX '' all parties have been aware that the purchase was trying to be completed as soon as possible. Understanding that Navy Federal 's phone calls are recorded, a number of phone calls can be pulled confirming, reiterating, and being assured by Navy Federal that a closing far earlier was possible. On XX/XX/XXXX a representative of the bank asked us for a copy of the Final Settlement documentation from the sale of our previous home, a sale that had been finalized well over a month previously with the same institution. We were again asked to provide that same information on XX/XX/XXXX. Despite the utter lack of contact from Navy Federal, our realtor reached out to us on XX/XX/XXXX. A Closing Addendum was executed on XX/XX/XXXX with a new closing date of XX/XX/2020. Those documents were provided to Navy Federal. As of XX/XX/XXXX, the day before a Holiday weekend starts and not a single representative of Navy Federal will communicate with myself, nor either parties realtor agent regarding what is going on. Again, I've banked here my entire life. As soon as some financial obligations are met, my husband and I will be ending our banking relationship with Navy Federal and we will NEVER utilize this banking institution for mortgages, any other loans in the future, etc. We are beyond disappointed and this bank has cost our family a substantial amount of money based on the representations of their agents. There is absolutely an agency relationship and the bank doesn't seem to understand that. If a representative of the bank, or multiple representatives of the bank make representations to a consumer, it as if that representation came from the bank itself. Navy Federal is responsible for the unprofessional and harmful way in which our file has been handled. Navy Federal is responsible for the misrepresentations of their agents/employees. We understand that COVID-19 has slowed things down across all realms. However, all of these representations have been made during the height of the Pandemic. If the bank were to use this as an excuse, this would be a disingenuous excuse that would be made in bad faith. | ||||||
| 04/05/2018 | Yes |
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Web | |
| On XX/XX/XXXX I filed a dispute with Navy Federal Credit Union ( NFCU ) for a charge : {$5500.00} ( Profit Passions ). On XX/XX/XXXX while attending a seminar conducting by XXXX XXXX, we entered into a contract agreement for XXXX XXXX XXXX XXXX. Before these services started, we immediately cancelled this contract and enacted our rights under the law to rescind our current contract based upon the following : UNDER THE CALIFORNIA LAW ( CA CIVIL 1688 ET SEQ. ) - RESCISSION OF CONTRACTS. 1. Duress or Undue Influence and 2. Fraud 3. Mistake of Fact. _________________________ We contacted NFCU on XX/XX/XXXX seeking an update on our submitted dispute on XX/XX/XXXX - there was no response. So, we again, submitted a dispute for the same charges on XX/XX/XXXX. Your Message XX/XX/XXXX : Hello. We submitted our inquiry to you on XX/XX/XXXX re : merchant charging our account after we cancelled our account. Please provide status. We have not received a provisional credit. merchant : Profit and Passions - charge date XX/XX/XXXX - amount : {$5500.00} __________________________ We received a response from NFCU : Navy Federal Response XX/XX/XXXX : In response to your billing inquiry, we have reversed the transaction for {$1300.00}, XXXX, XXXX, and XXXX and sent the charge back to the merchant 's bank. A credit will appear as an " Account Adjustment '' on your next billing statement. If we receive documentation from the merchant in response to our reversal, it will be forwarded to you for your review. The circumstances of the dispute and the strength of your documentation will determine whether the credit will remain permanently on your account. If you have any questions, contact us at XXXX, extension XXXX. Thank you XXXX XXXX Credit Card Chargeback and Resolution Specialist ___________________________ We " again '', provided to NFCU substantial proof of such fraudulent acts on XX/XX/XXXX ( XXXX XXXX ) via their fax and e-messaging system. As of XX/XX/XXXX - we have received NO written communication from NFCU re : this dispute. However, on XX/XX/XXXX, we viewed our account and noticed that the provisional credit had been reversed. We immediately contacted NFCU and spoke with a XXXX, XXXX and XXXX within the dispute department. XXXX and XXXX stated that the dispute could be reopened, however, XXXX denied us any clarity or further assistance. We have received no services from this vendor as NFCU is aware. In addition : the materials that were shipped to us ; we returned with documented signature confirmation by XXXX XXXX which NFCU has proof from USPS. This vendor misrepresented their services to us and pressured us to sign their agreement with an ultimatum and time requirement of noon on XX/XX/XXXX. We were pressured in this high sales pitch environment. We sent this vendor 4 communications cancelling our contract. NFCU IS AWARE THAT WE HAVE RECEIVED NO SERVICES FOR THIS {$5500.00} CHARGE. I WAS WELL WITHIN MY RIGHTS TO RESCIND THIS CONTRACT ON THE GROUNDS OF : FRAUD AND DURESS AND MISTAKE OF FACT. When trying to address this issue, NFCU refused to discuss or assist me further. They have denied me the right to Submit a 2nd Dispute ; which I did within their system on XX/XX/XXXX and I was told by their employees the following : Navy Federal Response XX/XX/XXXX : XXXX XXXX, thank you for your follow-up eMessage. At this time, we have fully researched and addressed this matter. We are happy to assist you with other issues via this eMessaging system. Any additional correspondence in reference to this matter can be submitted in writing. If you'd like to contact the executive office, you may mail a letter to : XXXX XXXX XXXX, XXXX, VA XXXX. If we can be of further assistance, please let us know. NFCU Response XX/XX/XXXX I've confirmed with XXXX that we've done everything we can and that she's requested to have a supervisor from the dispute department call you back. If you'd like to contact the executive office, you may mail a letter to : XXXX XXXX XXXX, XXXX, VA XXXX. XXXX NFCU closed this dispute without " any '' written communication to my attention since filing this dispute on XX/XX/XXXX or XX/XX/XXXX. They have provided the merchant with {$5500.00}. WE HAVE NOT RECEIVED ANY SERVICES OR PRODUCTS FOR THIS {$5500.00} ; WHICH NFCU IS AWARE OF. They did not take the time to " read '' the documentation that we submitted. I initially called NFCU when the charge went thru on my account and NFCU instructed me to file the dispute. After speaking with a Senior Executive with XXXX ; I was instructed to return to NFCU and submit another dispute on this charge. On XX/XX/XXXX I submitted another dispute at XXXX XXXX. NFCU has failed me as a longterm customer. They are empowered to protect my interest. The vendor can not prove they have provided coaching services. Yet, NFCU did not request this proof of the vendor. I have showed them proof of Fraud, Misrepresentation of services, etc. I have sent a communication to the XXXX XXXX, CEO and 10 other executives everyday since Monday, XX/XX/XXXX ... ..and no response. NFCU has denied me my right to challenge this charge. | ||||||
| 03/21/2018 | Yes |
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Web | Servicemember |
| Companies involved : Navy Federal Credit Union XXXX XXXX XXXX Card On the evening of XX/XX/XXXX, I went out for the evening to see friends at a local club, XXXX XXXX. This is an establishment I did frequent often and do not deny that in any way as I had friends who worked there and stopped up to see them from time to time. On the evening of XX/XX/XXXX I did give my NFCU card to the staff to hold for a tab, as they stated my other card, XXXX XXXX Card on file was not going through which I though was insane however not uncommon as for security reasons cards do this from time to time. I can honestly declare that this card was not in my possession at all once I handed it to the bar staff. I had no knowledge of the charges that were being attempted and made on this account. At one point I received a phone call from NFCU asking if I had authorized a XXXX charge which I stated I did not and stated that. When I inquired about this to the staff I was told this was a huge mistake and would be corrected. The next morning I was literally shocked to find out that XXXX XXXX attempted to charge my two card for almost 95K in charges in 3 hours. You have the doc on file showing a breakdown of these charges that the bar was trying to charge both your company and my XXXX over this timeframe. They actually tried to charge both cards for the same fraudulent amounts numerous times. I mean who even could think that these were valid charges, charging two cards for the same amounts within 2 mins of each other? ( The breakdown of all charges attempted/made that evening shows a picture of what I am referring to ). I received XXXX receipts for any of these charges and the signatures on these receipts are nowhere close to my own. When I found out of these charges I immediately went to XXXX XXXX and demanded proof via receipts and camera footage. They did not have receipts on file even though it was less than 36 hours after the incident. In fact, the receipts I provided to your company took me almost 1 full month to acquire. Every day I was told a different story on why the receipts were not available. I repeat, I NEVER had a receipt in hand for any of these charges. When I finally received these receipts I was relieve as I noticed the signatures were nowhere close to my own and that this obvious fraud would be reversed. I did not receive goods or services for these charges the massive amounts of uncharacteristic charges were for bar staff tips. I mean come on, one charge was for {$9800.00} as a tip for bottled water?!?!? This is so far beyond even being believable by anyone yet it is has been a nightmare to get anyone to listen since, your card is chipped and wasnt reported as stolen per the mail correspondence I received. XXXX was stolen from me in 4 hours time, XXXX through NFCU and XXXX through my XXXX Card by people who did not think I would miss that money or do anything about it. Thank XXXX I reached my limit on my card as they attempted to charge XXXX ( Docs to you also show this amount ). This is probably the best proof I have outside of the fraudulent signatures and fact that the video recordings are non-existent now. If I truly authorized those charges and XXXX of the XXXX was declined, why didnt this establishment kick me out and try to come after the money from both credit card companies and me?!? Please re-open this investigation. I did not authorize nor spend these funds. I did not have my card in my possession and was denied even getting receipt proof for almost 1 month. I have filed police reports and have attorneys working on this matter however I am asking you to do the right thing and reverse these funds that have stolen from me. Here is a complete breakdown of charges and time per credit card companies. The charges with the asterisks were attempted and thank XXXX declined by both companies. XXXX XXXX XXXX ( XX/XX/XXXX- XX/XX/XXXX ) $ XXXX- XXXX $ XXXX- XXXX * $ XXXX- XXXX ** ( declined ) * $ XXXX- XXXX ** ( declined ) Total- {$41000.00} XXXX XXXX Card ( XX/XX/XXXX - XX/XX/XXXX ) $ XXXX- XXXX $ XXXX- XXXX $ XXXX- XXXX $ XXXX- XXXX $ XXXX- XXXX ** $ XXXX- XXXX ( declined so they charged the other card 3 mins later ) ** $ XXXX- XXXX ( declined so they attempted on other card ) $ XXXX- XXXX $ XXXX- XXXX Total- {$52000.00} To be fully clear, I did not authorize ANY of the charges over {$840.00}. The {$840.00} and smaller were valid, ALL charges over that were not valid and charged as tips/non merchandise. No receipts were provided upon demand for almost 1 full month. The signatures were completely forged and nowhere near my own. When large charges were declined, the merchant tried to use another card they had at a bar tab for these charges as you can see from the timeline above. When that did not work they just charged for smaller amounts that were not being flagged by the credit card companies. My credit has now dropped 90points due to both cards being maxed out. We have lost the fraud dispute with both companies who cited since my card is a chipped card and not reported stolen I would be responsible for these charges. Please contact me at any time for further details | ||||||
| 09/10/2018 | Yes |
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Web | |
| I first obtained these credit cards from Navy Federal back in XXXX. I maintained my payments on time up until I became unemployed due to medical reasons in XXXX. I still tried to maintain paymnts, and at times when they were late I informed customer service that I was unemployed, and never did anyone offer any help even though I am charged monthly for insurance for that specific reason. My real big issue began in XX/XX/XXXX. I submitted a payment on both credit cards and I waited for the amount to come out of my account and it never did. I called customer service and they informed me that my payment was returned. I informed them that that was impossible because the funds were there in the account. I also called my bank for the account that I submitted the payment from to find out if any payment had come through and been rejected and they informed me that none had. I also informed Navy Federal customer service that if a payment was returned from my bank they would charge me a returned payment fee, and I never was charged one. I spoke to multiple people in the collections department for the credit card, and they just refused to look further or take any accountability for the issue. I was charged late payments and all. I eventually ended up having my soon pay from his account to get it paid. They ended up closing my account in XXXX without my knowledge or sending me anything in writing to inform me that the credit cards were being closed. When I did find it out and called they stated because of the payments being late in XXXX which was not due to my doing. Well fast forward to this year, XXXX the same thing happened in XXXX. I processed a payment, and they kept telling me that the payment was returned. The funds were in the account from my credit union for the payments so I not sure why they would be returned. We verified that the correct account numbers were given, and were entered correctly when I spoke to someone over the phone to process the payments because I am unable to log in online to submit the payments myself since I don't have any bank accounts with them anymore. The payment was submitted again, and then I waited again for the payment to come out of my account, but after a week nothing. I called again and they stated that the payment was returned stating that my account was no longer active, which was not true. I contacted my credit union with the rep on the line and my credit union informed them that no payment was ever submitted. My credit union also informed them that it was probably rejected at the clearinghouse, which was not them. Once I was off the phone with my credit union and still speaking with the Navy Federal rep he still did not want to take accountability for the issue and still kept insisting that the payment rejected due to my credit union. I asked to speak with a Supervisor, and the Supervisor was not any help either and did not want to take accountability either, and was rude. I ended up going into my local Navy Federal office and a rep there was very helpful and assisted me by calling the credit card dept for Navy Federal to find out their procedure in how they submit the payments for payment. How they do it is by submitting it some kind of way by XXXX XXXX payment and using a check number. She then contacted my credit union which is XXXX XXXX XXXX XXXX and they informed her that they are not submitting it by ACH, and should not be using a check number, and it is rejecting at the clearinghouse. And that they need to submit without the check number, and submit ACH. She then contacted the person back at Navy Federal and informed them of the issue. That person then accepted responsibility and apologized and refunded me for about 4 late fees that I had been charged. Well, when I called in XXXX to try to make a payment and I explained to the rep how the payment needed to be submitted in order for it to go through I was told that they could not do it that way. I then ended up using my daughters ' account with Navy Federal in order to make sure my payment was made on time, and this was XX/XX/XXXX I believe. I specifically asked the rep if the amount she indicated that I had to pay was the correct amount because I was not at home, and did not have a bill with me, and I also advised her I was not sure if I had received one that month. She stated that the amount she provided was all. So I processed the payment with her. Turns out once again I was not giving the correct info, and my payment ended getting reported to the credit bureau as 30 days past due. This keeps on happening when I call in to make my payment. They should be able to tell me the correct amount that is due in order for me to pay my payments on time, but they keep giving me incorrect info and do not want to take accountability for it. Please I need them to listen to the calls because I know that they are recorded and then remove all these late fees from my credit report because it is due to them not providing correct info when I call to make a payment, which is the only option I have to make my payment or drive to an office which is a drive and takes time that I don't have. | ||||||
| 11/07/2019 | Yes |
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Web | Servicemember |
| This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX XXXX policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted Defendant XXXX at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). This creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation. | ||||||
| 01/25/2023 | Yes |
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Web | |
| On XX/XX/XXXX, I opened my banking app for Navy Federal Credit Union and found I had an extra checking account listed under my name. My husband was in the XXXX from a XXXX XXXX, so I did not call immediately, but did call after he was released on XX/XX/XXXX to report what I thought must have been an error made by an employee at NFCU. I had saw that funds had been transferred into the account and then transferred back out via ACH, totaling {$1300.00}. When I called NFCU to report the added account, I was told two loans had also been applied for in my name, and an external account added as well, a " XXXX '' XXXX XXXX. I filled out the requisite paperwork for the fraud claim involving the two loans as instructed by the NFCU rep and returned it via their secure messaging system. I thought it was over and done with once they closed my checking and savings accounts and opened new ones for me. On XX/XX/XXXX, my precious husband of nearly twenty years passed away - his XXXX simply gave out at XXXX XXXX XXXX. On XX/XX/XXXX, I logged into my account to see my balance and to my utter horror, I was now overdrawn by over XXXX {$1100.00}. There was a debit done on my new checking account entitled " Adjustment '' for {$1300.00}, removing from my account the money that was transferred out from the fraudulent account to the external " XXXX XXXX XXXX XXXX. I called NFCU and was flatly told my claim had been denied. I immediately filed a Security Appeal, I filed an Identity Theft Affidavit with the FTC, froze my credit reports, and filed a police report and sent all that in to NFCU. Today on XX/XX/XXXX I received back notice from Navy Federal that they denied my appeal even. I had nothing to do with this crime, I had no knowledge of it occurring, I did not knowingly give anyone any access whatsoever to my account, debit card information, or online banking credentials, and yet I am being penalized to pay for a crime I did not commit nor had anything to do with it. This is an absolute outrage. I called immediately again and was transferred to a supervisor. He told me that since NFCU was not able to recover the funds from the external " XXXX XXXX XXXX XXXX, that it was too bad so sad essentially. From Navy Federal 's website : " Your case will be assigned to a Fraud Resolution Specialist to determine whether an unauthorized transaction occurred, and to pursue reimbursement for such transactions as appropriate. A Specialist may contact you if additional information is needed for the investigation of your claim ; they dont conduct criminal investigations. The amount in question will be placed in a dispute status. You dont have to pay the disputed amount or finance charges on that amount while its being researched. We may post a provisional credit to your account within 10 days of opening the claim so that you have access to credit pending the outcome of the investigation. This credit is temporary and may be removed if, after conducting a reasonable investigation, the Specialist is unable to validate your claim. If the provisional credit is removed, the charge in question will be re-posted to your account and youll be responsible for repayment. If the charge is found to be unauthorized, the temporary credit will be made permanent. '' located at : https : //nfcucloud.custhelp.com/app/answers/list/st/5/kw/fraud/page/1 Navy Federal NEVER XXXXssued a credit to me, there was never any need for one because the transactions involved a separate account that was fraudulently opened in my name. In fact they failed to inform me prior to removing {$1300.00} from my account that they were even investigating those transfers out of the fraudulent account. I had XXXX knowledge or forewarning. Let that sink in. This can happen to you, too. Money just disappear from your account because Navy Federal decides to make you pay for someone else 's sins with you not even knowing this was even happening. I had just received my Social Security Disability benefit the day before. They took everything that I had left to live on for the month. It has caused me irreparable harm and has returned me mentally to the tailspin that I had just started to extricate myself from after my husband died. For a bank to say yes, we protect you, if you report fraudulent activity in a timely manner you will be made whole, and then turn around and tell a customer - as a security supervisor for NFCU just told me on the phone - that this protection does not extend to this type of transaction, it is just plain wrong. They most simply imply that all transactions are covered. Navy Federal is outright lying to their customers in saying they will be protected. It borders on false advertising. And it has dealt a devastating financial blow to me immediately after already having my entire world collapse around me with the sudden death of the love of my life. I will be relentlessly pursuing every possible remedy up to and including a lawsuit if necessary, and speaking about this to anyone who will listen until the day I join my beloved husband in the grave, or justice is finally served in this case, in memory of him. | ||||||
| 08/15/2021 | Yes |
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| On Friday XX/XX/2021 I applied for a loan with Navy Federal Credit Union Mortgage Department and it cost me XXXX dollars to do so for the credit report to be pulled on XX/XX/XXXX. On XX/XX/2021 I was pre-approved for XXXX mortgage I was told to go and find a house so I requested XXXX more to be added to the pre-approval amount to add more buying power in the market at the time and was granted the extra XXXX no problem My Fiancee gifted me XXXX to help with the purchase of the home On XX/XX/2021 I put in a purchase offer on a property and it was accepted by the owner on XX/XX/2021 as a result of that I went into Escrow with the sellers of that property under normal terms. I deposited XXXX in earnest funds which was part of the gift that my fiance had given me Things would take a turn for the worst and I was unaware of what unfolded next until my realtor and his transaction and coordination team made me aware of the situation At first I thought that they were just having normal issues not returning calls or my emails in a timely fashion but when the realty team let me know they were having major issues with them communicating and returning calls or emails in a timely fashion I began to worry on XX/XX/2021 my realtor gets a nasty Email from the loan officer who didn't bother calling me first stating that he needed docs from me asap or I was going to lose out on my home in escrow and earnest deposit so it seems like from the beginning they had a plan that me the borrower was not made aware of. Im appalled because I've gone through this process before and know the steps necessary to complete and properly close on a home loan I was being treated poorly and being left in the dark and taken for a ride financially I did exactly as instructed to do At no time did the lender say that I wasn't qualified for the loan So I reached out to a supervisor to try and speed things up and that angered the person acting as my loan officer he seemed already agitated or stressed and I explained that to the supervisor and she didn't do anything to correct the behavior of the employee and said I'd get the same treatment if even if I switched loan officers which added to the confusion she pledged to communicate better with the realty team and had conversations with them also At this point I had already paid for a home inspection on XX/XX/2021 which cost me {$380.00} Then the Lender also charged me money on XX/XX/2021 {$570.00} for an appraisal almost 3 weeks before it was performed on XXXX XXXX XXXX and had plenty of time to tell me that my loan was in trouble if any or if I needed a cosigner or anything of the sort I was never informed or given the option to make a proper choice in the matter. another 2 weeks go by and they hand my loan off to the processor who had just finished training to be a processor she reached out to me on the week of the closing XX/XX/2021 On XX/XX/2021 the owners signed over the title to me and we still had not received my closing docs to review for 3 days prior to closing as required by the state I am no mortgage professional but i know it doesn't take until the last week of contingency to reach the processor unless they have internal issues that don't affect the buyer So finally on XX/XX/2021 I received a frantic phone call from the loan officer while I was on the job saying they needed more time for contingency and they needed to link another one of my bank accounts in which I agreed to do as soon as I finished my shift that day And they also reached out to my realty team asking for more time which was not a problem we are all thinking the deal is about to close Same Day XX/XX/XXXX they send an email behind my back and the realty teams back to the title escrow company telling them to cancel the title By the time i get home from my shift they declined the loan 24 hrs before scheduled closing without communicating they were not going to be able to give me the loan or anything of that nature they made sure to waste time and in the end I lost out on my XXXX earnest deposit because they failed to let us know they were having internal issues with personnel changes and new policies that I was never made aware of Why did the customer and his family have to suffer? I took off from work the week of XX/XX/2021 thinking that I was going to be moving into my new home and did not return to work until XX/XX/2021 I gave notice to the landlord that I was leaving XX/XX/2021 This has put me and my family in a real bind that was unnecessary My Fiancee and I have children together so not only did this affect us but the kids as well She packed up the whole house and put things into a storage unit with the intent of moving into our new home I witnessed them dropping the ball on every occasion they had to make good communication in a timely fashion with me or my realty team Things like this can not and will not go unnoticed Navy federal has not reached out to me to follow up as of the date of this complaint XX/XX/2021 or offered any remedy I am also a customer on the banking side with weekly direct deposits coming in since I've become a member of their institution | ||||||
| 11/18/2020 | Yes |
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Web | Servicemember |
| 1. I applied to Navy Federal Credit Union XXXX NFCU XXXX for a refinance loan for my home. In working with Ms. XXXX XXXX, an agent and/or employee of Navy Federal, I wanted to be as transparent as possible, I declined an appraisal waiver that was offered and sought an appraisal of the value of my home ( hereafter appraisal ). 2. In a phone conversation, Mr. XXXX verbally communicated that the cost ( fee ) for the appraisal would be {$490.00}. ( offer of verbal contract ) 3. NFCUs Ms. XXXX stated that I could not hire my own appraiser for this service, as NFCU policy was to hire an appraiser for the processing of the loan. 4. I agreed that the {$490.00} for the appraisal could be applied to my Navy Federal Credit Card. ( acceptance/agreement to verbal contract ) 5. As Ms. XXXX and I agreed to the appraisal and the cost and the method of payment, she applied the charge to my credit card. 6. I paid the fee for the appraisal in advance of the service being performed. 7. The transaction date of the charge to my credit card is indicated as XXXX 2020. The date that the charge posted was XXXX 2020. The price of {$490.00}, as agreed, was charged. 8. Subsequently the appraiser contacted me to arrange a date to view and appraise the property. She stated her name as Mrs. XXXX XXXX. We agreed that XXXX 2020 would be acceptable to both of us to conduct the appraisal of my home. 9. According to the Virginia Department of Professional and Occupational Regulation ( DPOR ), Mrs. XXXX holds an active license for Real Estate Appraisal. She is a Certified Residential RE Appraiser a. Name : XXXX XXXX XXXX, bXXXX Virginia License Number XXXX c. License Description Real Estate Appraiser dXXXX License Status Active e. Rank Certified Residential RE Appraiser f. Address XXXX, XX/XX/XXXX XXXX g. Initial Certification Date XXXX14 h. Rank Effective Date XXXX i. Expiration Date XXXX XXXX. According to theXX/XX/XXXXXXXX XXXX XXXX XXXX SCC ), XXXX XXXX XXXX is the registered agent of, LLC XXXX entity ID XXXX ). 11. The registered office of Mrs. XXXX Capital City Appraisals is 6.3 miles driving distance ( using a map software ) from my house. 12. The principal office address of Mrs. XXXX Capital City Appraisals is 17 miles driving distance ( using a map software ) from my house. 13. The appraiser, Mrs. XXXX, arrived to the property on the agreed date and time. She arrived with a male partner, whose full name I did not record. The man stated that his name was XXXX and he was a contractor. There is a XXXX XXXX, who holds a valid contractors license with DPOR and at a common address with Mrs. XXXX. 14. I escorted the Mrs. XXXX through the interior of the house. Her partner, XXXX, collected measurements and information of the exterior of the house. They collected the information that Mrs. XXXX deemed necessary and required to fulfill the task. 15. Mrs. XXXX did not indicate that she did not intend to complete her task. Mrs. XXXX. They departed with all questions answered. 16. Ms. XXXX contacted me to explain that the appraiser had declined to complete the appraisal. 17. During this conversation with Ms. XXXX, she told me that Navy Federal would credit {$390.00} of the {$490.00} cost for the appraisal in good faith. The difference was explained to be a trip charge. 18. I was uncertain of what a trip charge consisted and why it was being assessed. 19. We agreed to deposit the funds into my account at Navy Federal. 20. {$390.00}, of which Ms. XXXX spoke, was deposited XXXX 2020 into my account at Navy Federal. 21. I did not receive the service for which I paid, which was an appraisal for {$490.00}. Even with the good faith deposit, I was left with a trip charge for {$100.00}, for which I did not ever agree to pay. 22. The appraiser willingly declined to complete the task, for which Navy Federal had collected payment from me. 23. I reconfirmed the location of the appraisers locations from the Virginia DPOR and SCC. If traveling from the closest location, Mrs. XXXX is 6 miles or approximately 12 minutes away from my home. 24. After reviewing the transaction, deposit, and appraisers location information, I do not agree with the cost of the trip charge. Therefore, I dispute the trip charge. a. I did not agree to pay Navy Federal for a trip charge when I agreed to pay for the appraisal. b. I did not agree to a trip charge when I paid my funds. c. I agreed to pay {$490.00} for an appraisal, which the appraiser declined to perform after traveling to the property. d. The desire to decline to produce an appraisal is not an action or fault that I caused. e. This was a willing action that the appraiser chose to decline to perform the task for which I had paid. 25. The only agreement that I have with Navy Federal was a verbal contract, an agreement to pay {$490.00} for an appraisal to be performed of my home and to obtain a copy of that appraisal. I paid the fee. The appraisal was not generated. Navy Federal credited {$390.00} back to me and deposited this into my account. I dispute the trip charge of {$100.00} as there is no basis for the charge. | ||||||
| 09/26/2022 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union XXXX SUBJECT : Navy Federal Credit Union has frozen and denied access to my accounts without notification or justification. It has been over a week without explanation or assistance. This is so unfair and unwarranted. UP FRONT : I opened these Navy Federal Accounts while on active in XXXX. I used my XXXX XXXX military ID and was afforded all the " XXXX XXXX '' privileges with that status, including ATM fee reimbursement up to {$20.00} a month for most transactions within their network. In XXXX, my military retirement direct deposit began. They requested a copy of my drivers license, military retired ID, and a copy of my XXXX. I provided each which remains current and on file with the bank. My name and rank are correctly listed on all the profiles. XX/XX/XXXX XXXX ) I called the customer service number to inquire about a - {$1.00} due on a savings account I have never used. Which is suspicous. The representative said it was due to unpaid ATM fees owed. She would transfer money from the checking to cover the costs. I asked why am I paying for this ATM fee, where did it come from, how often have I been charged these such fees? XXXX ) I was transferred to another agent who was literally belligerent when I asked these same questions. Insisting I was member only since XXXX. I told him that was incorrect and requested an audit of the charges. He was dismissive and then suddenly aggressive to my simple questions saying, " We don't do that. I can send you statements. Would you like the statements? '' I called again requesting to speak with a supervisor who can answer these questions about the ATM fees charged to the accounts. XX/XX/XXXX XXXX ) The supervisor called. I requested an audit into the amount of ATM fees taken out my account over the years. The conversation was " we don't do audits for ATM fees, I did a quick calculation and its approximately {$170.00} since the last two years. We can only go back two years. You are not allowed reimbursement because you are a " regular account not active-duty/retired '' checking account. You never requested to be active-duty/retired. There is nothing else to do. I am the supervisor. This is the end to this. '' 4 ) Of course I was stunned. Navy Federal is obviously conducting predatory banking practices with these accounts. Why is my request for an audit into the ATM fees charged so blatantly denied? Why is the investigation into why my account was not longer considered " active-duty/retired '' changed without my notification after so many years. Even as the XXXX direct deposit has been consistent every month since XXXX, why was my account discredited to benefit Navy Federal. This was obviously not in my best interest and the reason most use Credit Unions, to avoid predatory banking practices. To dismiss me with " you didn't ask for XXXX XXXX '' is such an unethical means to swindle long-term customers with these rude practices. The fees were taken from a military XXXX direct deposit, the only source, since XXXX. Again, I understand not all ATM fees would qualify their network. Yet, all transactions were charged because I was not labeled/considered " active duty/retired. '' This is so infuriating the abject abuse. Saturday, XX/XX/XXXX XXXX ) Suddenly I noticed online and app access to my accounts were denied. I called the XXXX number and after a length - verification process and phone codes sent- was told " it's suspected fraud activity. An email was sent. '' I insisted I never received this email and certainly would have responded to fraud or anything denying access to my accounts. I was not notified via text, email, app nothing ; and I am very active on each. They offered no other information or assistance. Told me to call the security department, same number, from XXXX XXXX M-F. I did and despite the urgency I was transferred and transferred and on hold for over 2 hours and 30 minutes. I have screenshots. When the security department finally answered and the- verification process and phone codes sent- the response was " there is nothing we can do. this can NOT be resolved over the phone. THEN SHE DISCONNECTED. I was stunned. Monday, XX/XX/XXXX I'm told to go to the nearest Navy Federal location with ID. I am 40 minutes away from the nearest branch in XXXX Virginia. Finally, a representative tells me I can secure message a " one-page letter, pdf. with ID, account numbers, 3 signatures, etc. '' I did. Days later they secure message back saying, " you need to change your code. '' I do not and never had this code they are demanding. Repeat. I never had a code. So, I created a code and repeated the process of the one-page letter pdf. attachment to secure message. Monday, XX/XX/XXXX Still, my accounts are frozen and access denied. So many questions and no assistance. This is unprovoked malicious, let alone suspicious behavior of these banking officials. I have submitted written request ( s ) for an audit and an internal investigation into the handling of my accounts. Please assist with the oversight as I am being dismissed w/ accounts frozen for no apparent reasons. | ||||||
| 10/15/2023 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/XXXX I charged {$30.00} to a company XXXX on my navy federal credit card. They sent a receipt stating $ {$30.00} was the total charge. Then I received another receipt stating my card had been charged for {$37.00} They had increased the charge when they posted to my credit card. I then checked the company name XXXX and Many sites said it was a company in XXXX, it was a scam. I called Navy federal and asked that my number be changed as they had my credit card number, Navy federal overnighted a new credit card which I received and told me when the charge posts, to call back and create a chargeback. When the charge posted to my account I called Navy Federal during the day and provided the chargeback information. They stated they will transfer me to the fraud unit and stated it would be an hour 's wait. I said you have the information, to wait an hour is unreasonable. She stated sometimes it takes 4 hours to speak with fraud. I said you are not making yourself available to report fraud and you have a policy which states : What's Zero Liability? The Zero Liability policy is our commitment to get your money back, often the same day, when youre a victim of fraud. Well investigate your fraud claim on your behalf and issue you a provisional credit. The Zero Liability policy only covers transactions that have been confirmed by Navy Federal as fraudulent and that are reported to Navy Federal in a timely manner. You must report suspected fraud as soon as possible.-I stated not exactly the case if you are forced to wait to report. You are not making yourself available to report and many may just not report the fraud because of the required wait. It is up to Navy federal to have the staff available to allow reasonable reporting in a reasonable amount of time. She stated I might try in the middle of the night. So she said is there anything else I can help you with? I said no having given her the fraud information. I wrote the CEO of navy federal stating that 1 hour, 4 hours is unreasonable to wait to report a fraudulent charge. That they have to be available to receive and process a fraud complaint. At XXXX I got up and tried to speak with fraud again. Again I provided the navy federal representative with all pertinent information qualifying as reported. Again I was told I would have to wait on line and the wait is 2 and a half hours now to speak with Fraud. I said you have the information needed for the fraud. I am XXXX XXXX XXXX and very sick with illness and they expect me to stay up in the middle of the night so get clearance from fraud before they can refund my money. I said this is not right, you are steering people away from necessary reporting under the rights under the law. Again is there anything else I can help you with.I said it has been reported. I contacted the CFO again and updated her again that they were not available to receive complaint of fraud when exercising my right to chargeback. At XXXX I tried again and fraud said 15 minutes and they will call me back. They did, looked at the notes and stated the money will be credited back to my account. I said I have the receipts showing fraud. They said they will not be needed, the money will now be refunded. I said OK. At XXXX the next day the money had not been credited as they stated it would. I received a call the day before by Navy federal executive staff. I said it tou have to wait 4 hours to report fraud, you are not making yourself available and you are violating your own zero liability policy which is published. I said the reason being you did not hire enough people to permit the customers their right to report fraud under the laws. You are steering people away from reporting fraud. She said we are looking at that. I said it is not your reputation to obstruct card hoplders by making them wait 2 and a half and three hours to speak with Fraud after it has already been reported to navy federal staff several times. She said I am happy you got through at XXXX after waiting 15 minutes. While navy federal executive staff looks at this, all persons exercising their lawful right to report fraud are required to wait online 2 and 4 hours most of the time. The fraud unit stated that they do not need my eviudence, that navy federal will return my money. The next morning I could see no credit to my account. I called again at XXXX and it was a 2 and half hour wait and I said I want a call back. Someone did them call me back and I asked why my account was not credited, that this was resolved yesterday. She now stated that we will have to do an investigation. I said you doid not want the evidence which proves the fraud, that the issue was settled and my money would be returned. Now she changed what I was told the day before to it can take 10 days for us to investigate, that if they need the evidence they will ask for it. I said you have reopened the matter after it was settled. Now I would like the money returned after your zero liability policy. She stated that the fraud unit has no authority to return the money. I said OK, we are now going backwords. XXXX XXXX XXXX XXXX XXXX- {$37.00} | ||||||
| 06/19/2019 | Yes |
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Web | Older American, Servicemember |
| I wrote this letter and sent it via email to XXXX XXXX XX/XX/2019 Mortgage Production Supervisor XXXX Mortgage Lending Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX, FL | XXXX NMLS # XXXX Email XXXX Direct XXXX Fax XXXX navyfederal.org Dear XXXX XXXX As a Veteran with XXXX I secured the professional assistance in processing my mortgage request with Navy Federal Credit Union ( mortgage department ) and was provided with XXXX XXXX mortgage loan officer who has sense moved on. Shortly, XXXX XXXX was replaced with XXXX XXXX XXXX to process my loan request for XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX forwards my request to XXXX XXXX XXXX who email and call me regarding a number of request. XXXX XXXX started to concern me when the closing dates continued to be changed. Therefore, I contacted XXXX XXXX to see where we were at regarding the closing date and if he had forwarded the needed paperwork to the VA. These issues started to upset me and landed me in the VA XXXX XXXX XXXX emergency room overnight. But prior to XX/XX/XXXX, my original closing I was remised to call NFCU mortgage office so I call the VA once again to get additional clarity. Therefore, after the conversation with the VA Mortgage department felt that I was being misled by XXXX XXXX in his processing of my mortgage loan paperwork with NFCU to the VA mortgage department. I called the VA Department again and inquired if they have received ANY mortgage paperwork from XXXX XXXX of NFCU and they informed me again they havent. However, the VA Representative XXXX suggested too have a conference call with all parties therefore, I contacted my realtor XXXX XXXX to have a this call with the VA mortgage representative, and XXXX XXXX to explain to me and XXXX XXXX my Realtor Agent at ( XXXX ) XXXX what is going on so we call all be on the same page. The conversation that XXXX XXXX offered during the conference call indicated that he sent the paperwork by email but used an invalid or incorrect email address and the response from the VA Representative informed XXXX XXXX than you never sent anything and that he was incorrect in making this statement to me. The VA representatives told XXXX XXXX that he should have known the correct email address or called them when the file was rejected. Now we are faced with moving the closing date again to XX/XX/XXXX and again to XX/XX/XXXX with the understanding that VA would completed their process by them. But that was not possible from the VA standards. All parties on the phone understood that the VA need more time to complete their process sense they never received the paperwork and that the closing date issues of XX/XX/XXXX wouldnt work anyway, but XXXX XXXX sent me a document ( HUD/VA addendum to Uniform Residential Loan Application on XX/XX/XXXX to signed but the document was prepared/dated XX/XX/XXXX, my original closing date. Therefore, XXXX XXXX couldnt have sent anything to the VA because he needed my signature on those documents. XXXX XXXX processing didnt add up and cause me and my Realtor Agent XXXX XXXX concern once again, so we both contacted you ( XXXX XXXX XXXX to get clarity, but to add to insult with another egregious issues was when XXXX XXXX confirmed to Offerpad of the amount of the VA Appraisal and the value at $ XXXX thus given Offerpad the opportunity to cancel by contract keep my closing funds and not to extend my closing date anymore due the inaccurate filing/processing by XXXX XXXX to the XXXX XXXX XXXX XXXX brought this issue to my attention and I email you ( XXXX XXXX XXXX and XXXX XXXX confirmed this by emailing to you ( XXXX XXXX XXXX as well. This issues led to Offerpad *Seller of the home with an increase value of {$11000.00} to sell the house XXXX another buyer. This cost me money and I am requesting that NFCU Mortgage Department refund the amount of {$450.00} paid for the VA Appraisal, {$1500.00} earnest money, and {$250.00} dollars for my home inspection totaling {$2200.00}. XXXX XXXX actions and non-action to process my paper properly and disclosing my personal information regarding the VA Appraisal value was criminal in the mortgage industry. I have been given some legal advice on this issue among major five star realtors and mortgage companies in XXXX, Georgia and they all agree that this shouldnt have happened especially with XXXX XXXX disclosing my personal information to the Offerpad the Seller. From my last email to you and XXXX XXXX you indicated the XXXX XXXX was on medical leave for a month, therefore you have time to review my request and conclude so I can be made hold. Regards, XXXX XXXX XXXX XXXX. XXXX Cc. XXXX XXXX XXXX XXXX Realtor ) cc : XXXX XXXX, Supervisor XXXX Mortgage department Cc. XXXX XXXX, Esq. The document enclosed that XXXX XXXX never forward the paperwork to the VA when he said because the document was email to me on XX/XX/2019 and signed and returned the same day. Therefore, is was impossible to closes on XX/XX/XXXX, because the VA had not recived the paperwork yet. To many deceptions and falsehoods. | ||||||
| 02/22/2018 | Yes |
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Web | |
| I have been a customer of Navy Federal Credit Union, NFCU, since XXXX. My household have used array of their products and we were happy with our experience until XX/XX/XXXX. That day I discovered ( after logging into the credit card account ) that our account was past due by two payments. I have kept my account on automatic payment since opening the card a few years ago. I contacted NFCU and was transferred to the collections department. The representative with collections stated if I paid the two late payments ( making the account current ) he could backdate the payments to make the payments register as on-time payments allowing the card to stay open, keeping the current interest rate and points, cancelling the late fees, and all features of the card to remain in effect as per the original card agreement. I setup the payment which cleared from my checking account. I was very thankful NFCU could make this arrangement to backdate my payment allowing the card and service to remain open and active. Unfortunately, after to speaking to a representative later in XX/XX/XXXX I was told the account was closed and could not be reopened. I explained the situation to several representatives and ( after several calls ) Credit Card Solutions Supervisor was finally assigned to review my case. I was instructed to write a letter to NFCU to request the account to be re-opened. On XX/XX/XXXX, I mailed a letter to NFCU to re-open the account. During a call to them in or around XX/XX/XXXX they confirmed they received the letter and are reviewing the case. XXXX was the NFCU CC Resolutions Supervisor reviewing my case and I requested she listen to the call with Collections, because she stated I had requested an extension. I didn't know what that was and had to have her explain an extension to me. I indicated I never asked for or received an extension. Anyway, XXXX stated collections can only listen to the call and she would have a Collections supervisor listen to the call and that person would contact me. On XX/XX/XXXX I called and left a message with XXXX indicating she could contact me the following day. I still have not received a call back from XXXX. On XX/XX/XXXX I spoke to XXXX, Collections Supervisor, who stated the collections representative did not make it clear I was receiving an extension, which is downplaying the conversation. I made it clear that extension or conversation around extension did not happen and further explained 3 times or more what the representative told me about making the double payments and keeping the card open, etc. At no point did XXXX dispute what I was telling him. He only stated it had been a while since he listened to the call. He stated he doesn't make the decision to re-open the account and that he would speak to XXXX who is handling the case. Since two months have passed without any written reply from NFCU about my letter to re-open my account I contacted them on XX/XX/XXXX. I was on the phone for two hours with 5 different representatives in 3 different departments until lastly speaking to another collections supervisor ( after trying to speak to XXXX who was " away from her desk '' and XXXX who was " away from his desk ''. The collections supervisor was of no help and transferred me to XXXX 's Supervisors ' voicemail, XXXX. I left XXXX a detailed message. The real kicker of that call is that the representative stated that my file investigation to re-open the account closed on XX/XX/XXXX ... again, no I received no phone call XXXX or missed calls/ voicemails ), email, or letter. Another kicker, I am paying {$200.00} in interest every month out of a total $ XXXX payment that I pay on time. Last night, while filing taxes, I stumbled upon a NFCU letter dated XX/XX/XXXX : RE : Credit Card Extension Agreement Dear XXXX : Pursuant to your request for an extension on the above-referenced loan account, as of XXXX/XXXX/XXXX, your monthly credit card payment due date has been extended. This letter confirms our prior telephone conversation, in which you agreed to an extension on your credit card account. As part of the extension agreement, your account is current, and your payment due date has been extended. This extension agreement will give you additional time to repay your credit card account. As of the date of this letter, the next payment due date for your account is XX/XX/XXXX and the outstanding loan balance on the account is $ XXXX. You monthly minimum payment amount is 2 %, or $ XXXX, whichever is greater. Additionally, you understand that finance charges will continue to accrue on the outstanding loan balance during the extension period. All other terms and conditions of the original Credit Card XXXXement and Disclosure are unchanged and remain in full force and effect. Sincerely, Collections Department Navy Federal Credit Union This letter supports what I have told every representative at NFCU. Everytime they all say the account can not be re-opened. I am waiting to hear from XXXX and I am mailing and faxing this letter to NFCU. | ||||||
| 07/13/2023 | Yes |
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Web | Servicemember |
| The following is the complaint I filed with Navy Federal : 1. I opened a Navy Federal XXXX XXXX XXXX XXXX account online and listed my XXXX as the primary since he is the XXXX member. 2. We are not Navy Federal members so we had to open a mandatory XXXX XXXX XXXX in order to qualify for the XXXX XXXX. I opened the accounts online but had to call and talk to a Navy Federal representative to initiate the wire for XXXX and an XXXX for {$10.00} to fund the XXXX account. I provided the XXXX XXXX routing and XXXX account number for the XXXXXXXX XXXX XXXX 3. The {$10.00} XXXX went through just fine. 4. We decided to increase the amount going into the XXXX and add another XXXX 5. I called back Navy Federal CU and initiated another wire for XXXX by providing the same info as before, XXXX routing number and out checking account number. 6. After a few days, I called Navy Federal to see why the XXXX had not been funded with XXXX XXXX XXXX XXXX into the XXXX then another XXXX for a total of XXXX in new money for XXXX XXXX XXXX and thats when this whole issue started. Navy Federal said that the funds were returned and the new accounts were permanently restricted. The customer service rep at Navy Fed would not speak with me about anything and instructed me to talk to their XXXX Team. I had to call several times because the hold times for this department are in the HOURS! When I finally got a person on the line, not only would the Navy Fed Security rep. not give me any information since I was the secondary on the account, they were rude and unhelpful and treated me like a criminal/fraudster/scammer right off the bat. Since I have worked in banking for over XXXX years, this was highly offensive so I requested the accounts be unrestricted so they could be closed, but that person at Navy Fed never unrestricted the accounts. Then the accounts started to accumulate fees. 7. I reached out to the XXXX dept. at XXXX XXXX ( WHERE I WORK! ) to see what was going on. First I spoke to the XXXX in XXXX, XXXX XXXX and explained the situation. What was discovered is when I initiated the wires and XXXX I used the XXXX digit account number XXXX uses for everything : online banking, verify accounts and identity, XXXX transfers, and deposits and withdrawals. I was not aware that the account number for wires is XXXX digits and can only be found on a physical check. When the wires attempted to come through without the XXXX digit account number, the XXXX was rejected as unable to locate account. This triggered some kind of Fraud/Suspicious activity alert with XXXX XXXX XXXX NO ONE from XXXX XXXX called to see what was going on. Once the issue was identified, we could have easily initiated another wire for XXXX with the XXXX digit account number but the terrible customer service ( Security at Navy Fed hold times were in the hours, wouldnt give me info because I wasnt the primary on the account, rude customer service at the branch and on the phone, lied to about the accounts being unfrozen, assessing fees to put the account in the negative, etc. ) from Navy Federal was enough for us to NOT want to do business with them. My employer, XXXX XXXX was offering their own CD promo and we kept our money with XXXX. XXXX The wire was rejected as unable to locate account due to not having the full XXXXXXXX XXXX account number but XXXX did NOT flag us as being suspicious or fraud like Navy Federal CU did. This was a relatively easy issue to fix but Navy Fed made the process unnecessarily arduous. 9. Instead of having a XXXX CD investment with Navy Fed , we were faced with an account in the negative. We actually owed Navy Federal {$30.00} and the account was in the negative after they assessed return check fees. I went to a local branch to get the fees waived. They only waived one fee, so the we paid {$15.00} to Navy Federal after all the hassle we were put through. 10. In XX/XX/2023XXXX XXXX months after this debacle, the XXXX XXXX is investigating us regarding this situation with Navy Federal CU. My XXXX holds a top secret clearance. Again, this is very troubling and upsetting to both us because the future implications of this are unknown and this situation continues to haunt us as now we're unable to open any new accounts anywhere after being reported to XXXX XXXX XXXX, despite the assurances from Navy Federal that we were not reported. Navy Federal representatives offered XXXX solutions to fix the problem, only offering terrible customer service time and time again. In NO WAY was any of this situation suspicious, even if this was a new account. This has placed undue stress on us and we have A + credit and don't deserve to be treated like criminals. And now the onus is on us to rectify the situation. 11. Now we have to dispute XXXX XXXX XXXX because XXXX XXXX reported us. Navy Fed won't assist us in this dispute. I'm faced with more terrible customer services and once again XXXX solutions to this situation they caused. I'm asking for some kind of letter from XXXX XXXX to | ||||||
| 03/26/2021 | Yes |
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Web | Servicemember |
| Here 's the complaint that I submitted to Navy Federal Credit Union. OVERVIEW : This is in regards to NFCH mortgage loan # XXXX for the property at XXXX XXXX XXXX, XXXX, WA XXXX. Both XXXX XXXX and XXXX XXXX are listed on the mortgage. My NFCU access number ( for XXXX XXXX ) is XXXX. The complaint ( which is described below in more detail ) is that after being notified that the named persons on the mortgage had divorced and that a settlement agreement had awarded the property and mortgage to XXXX XXXX, NFCU transferred escrow money out of this mortgage ( {$2000.00} ) to XXXX XXXX. NFCU was negligent and careless in this action and now says there is nothing they can do to correct this error. XXXX XXXX is now in possession of the funds and he has not transferred the funds to XXXX XXXX despite requests. BACKGROUND : On XX/XX/XXXX we signed a divorce settlement that noted that property and all associated accounts were to transfer to me upon finalization of the divorce. On XX/XX/XXXX, I called NFCU and stopped the automatic payment method from a joint XXXX savings account that wed had set up for a number of years. XXXX XXXX had removed money from that joint account even though that was in opposition to the settlement order. At that point I paid the cabin mortgage on XXXX XXXX from my personal checking account. During this conversation I noted to the NFCU customer service person what was going on and that I was taking over responsibility for the mortgage account. The divorce was finalized XX/XX/XXXX. On XX/XX/XXXX I received a divorce settlement payment from XXXX to my XXXX personal checking account. I called NFCU that afternoon and completed a pay-off order for {$83000.00}. That was processed on XX/XX/XXXX. All money to pay off the loan came from my personal checking account in two wire transfers. The divorce was discussed with the customer service representative during this long phone call. The information regarding the pay off was mistakenly emailed to XXXX XXXX at the conclusion of this phone call and not to me. The representative tried to email me again after updating the email address, but a second email went to XXXX and I never received one. I received mailings regarding the payoff that week, including one that indicated NFCU had transferred the remaining escrow balance ( {$2000.00} ) into NFCU account ending in XXXX. This is not my account. They had transferred the remaining escrow money to XXXX XXXX and not to me. On XX/XX/XXXX upon calling NFCU for details about paying off the cabin mortgage, I learned they had returned all escrow money to XXXX checking account since that had been completed on a form back in XXXX. I contacted XXXX to try to solve this by having him return the money to me in accordance with the divorce settlement. He is choosing to not do this. When I called NFCU again to follow up on XX/XX/XXXX, I was able to speak with a manager, XXXX # XXXX. She said, we could have changed or asked you about what was going on and said she understands my position but that she cant do anything about it. She also said this happens sometimes. Which makes it seem like a problem that needs to be fixed with a better system in place and that she understands that NFCU is at fault for not handling this situation better given all the information they had about what was going on with our mortgage and divorce. COMPLAINTS : NFCU knew there was a divorce in progress between the mortgage holders and that the wife was taking over the mortgage. At no point in time was there any process to begin or follow regarding extra security measures or documentation that would protect the clients and the bank from any ill dealings. NFCU did not have the correct contact information for me and I was essentially in the dark regarding the pay off other than getting snail mail notifications several days after each event occurred. Though I ended auto pay from the joint account and took over paying the mortgage from my personal checking account and paid {$83000.00} to close out the mortgage from my personal account, at no time did any customer service representative talk to me about there being an escrow refund and was I able to approve what account that should be transferred to. Ultimately, NFCU didnt double check anything, didnt communicate anything, left me out of the loop and sent {$2000.00} to the wrong person on XX/XX/XXXX. REMEDY : I am asking for NFCU to correct its negligent error and return the escrow balance ( {$2000.00} ) to my NFCU checking account to remedy these errors in process. The only other recourse I have is to engage in lengthy and costly legal action to have XXXX return the money from the mortgage payoff. His history of removing money from accounts without authorization and in opposition to settlement agreements demonstrates how difficult getting this money back from him will be. Ultimately, NFCU caused this error and should take responsibility for fixing it. I look forward to hearing from you, XXXX XXXX XXXX XXXX XXXX | ||||||
| 09/16/2021 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/XXXX, I completed an online application with Navy Federal Credit Union for a cash-out refinancing of the current VA mortgage I have with Navy Federal . ( Please refer to previous CFPB complaints regarding the same and other issues with NFCU 's mortgage process. # XXXX-XXXX and # XXXX-XXXX ) On XXXX I uploaded required documents through the NFCU secure message website and included a text message that the Deed of the new mortgage needed to be the same as the current one which shows my son as a Joint Tenant with Right of Survivorship. XXXX I uploaded more documents and a reminder about the correct titling. XXXX I sent my loan processor, XXXX XXXX, an email with documents and a short list of corrections needed on the NFCU paperwork and a request for clarification. ( Ms. XXXX had advised that she was leaving NFCU in one week. As of XXXX, there have been none of the requested corrections to the Uniform Residential Loan document or the VA Addendum. ) XXXX I received an email from XXXX XXXX advising that she was my NFCU loan officer. XXXX I sent Ms. XXXX an email advising the URL and VA Addendum had not been corrected in two weeks and also noting the current mortgage title type. XXXX Telephone conference with Ms. XXXX and her supervisor during which the supervisor, XXXX, stated that my son was not allowed to be on the title because he was not my spouse and because he was not an occupant. I sent an email to XXXX XXXX, the NFCU Mortgage VP who helped correct the initial NFCU mortgage/loan assumption process errors in XXXX and XXXX. Although Mr. XXXX is now in the NFCU Risk Management department, he responded that he had spoken with Ms. XXXX 's manager, XXXX XXXX, and she would be in contact with me shortly. There has been no contact by Ms. XXXX. XXXX I received a Conditional Approval letter from NFCU. I also sent Ms. XXXX an email requesting clarification and corrections. I also received an email from XXXX XXXX advising that he was the loan processor. XXXX I received an email from XXXX XXXX ( Navy Federal Title ) which stated that my husband ( deceased in XX/XX/XXXX ) is the current title holder. She requested a copy of his death certificate. She also noted that Navy Federal only allows spouses to be on VA mortgage titles. I responded to Ms. XXXX ( CC : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, VA Loan Specialist in XXXX XXXX who was also instrumental in providing NFCU with the regulations in XXXX ) by email and provided her with copies of the certified ( XXXX ) Warranty Bill of Sale with Mortgage Assumption and the Agreement Creating Liability to Holder and to the United States , both of which showed that the current NFCU VA mortgage title was held with my son as a Joint Tenant with Survivorship. I also asked whether Ms. XXXX or Mr. XXXX was handling the loan. Mr. XXXX responded by email a few hours later ( CC : all plus XXXX XXXX, NFCU mortgage processor ). Mr. XXXX provided the following verbatim response : 1. There is no loan from XXXX, it appears NFCU took your late husbands name off the loan as you were a co borrower or on title and able to do so. The current loan and title is still from XXXX. 2. Your name with the VA is XXXX. You will need to have the VA update your name prior to the COE being issued. 3. The VA still shows the loan under your later husbands name. This will need to be corrected prior to proceeding with a VA cash out loan. 4. The Current NFCU policy is the loan may not close with a Non-Veteran, Non-Spouse on the title. As the loan can not be processed at this point it will be submitted for decision. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 1. I assumed the loan in XXXX because NFCU incorrectly removed me from it in XXXX because I was told I was not a veteran. ( Refer to the two previous CFPB complaints listed above for specifics. ) At that time my son was added to the title. 2. The COE being used is that of my deceased spouse. I notified NFCU of this in emails on XX/XX/XXXX and XXXX and through a secured message on the NFCU website on XXXX XXXX. I also provided copies of my husband 's DD214 for the COE. 3. If the VA has information that reflects my deceased ( I have been married once ) spouse 's name, NFCU failed to provide the updated, certified information from XXXX. 4. I have not been provided with written documentation of the NFCU policy that a non-veteran, non-spouse can not be on a title. If true, this policy was enacted after XX/XX/XXXX and supersedes federal/VA regulations listed in Circular XXXX, Unrestricted Transfers. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I would greatly appreciate any assistance, once again, to motivate Navy Federal with processing this mortgage accurately and a bit less painfully. Thank you. | ||||||
| 04/01/2022 | Yes |
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Web | Servicemember |
| My name is XXXX XXXX and I would like to file formal complaint against my credit union, Navy Federal Credit Union ( NFCU ). Below you will find a full explanation of the complaint and my desired outcome. Additionally I have attached three files ( the wire transfer form I submitted to NFCU, the transcript they provided to me, and the wire receipt ). All items are explained below within the explanation. Complaint explanation : With the assistance of NFCU I completed an international wire transfer to an individual with an account at XXXXXXXX XXXX XXXX XXXXXXXX ), XXXX XXXX, XXXX XXXX. NFCU advised I upload any supporting documentation as needed. I completed the NFCU international wire transfer form, which included the beneficiary information. I uploaded the form and the wire transfer was completed on XX/XX/2022, for the amount of the wire transfer was, {$3700.00}. NFCU provided me with a receipt of the transaction and advised it would reach the beneficiary bank by XX/XX/2022. On XX/XX/XXXX I called NFCU to obtain an update on the wire. I was advised by the representative that they are unable to provide me with any information on the status of the wire. I spoke to numerous representatives from the XXXX to around the XXXX of XXXX, all informing me there was absolutely nothing they could do to assist me in locating the funds or obtaining a status update on the wire. On the XXXX of XXXX, a representative did advise they would submit a service message to XXXX XXXX ( NFCU intermediary bank for international wire ) but XXXX XXXX is under no obligation to respond and they would most likely not hear anything back. All representatives consistently stated that wire transfers were considered cash and once sent they could do nothing to assist me as a consumer to help locate the funds or obtain a status. On or around the XXXX of XXXX, I spoke with a manager and they advised they would send me the full transcript of the international wire that was completely. I received the transcript on the XXXX, and after reviewing the document I noted that NFCU incorrectly entered the beneficiary bank account #. They entered an extra digit. Armed with this new knowledge of the error, I then called NFCU on the XXXX to explain my finding and the error that NFCU did. I spoke with a manager and they advised they would send a service message out to the beneficiary bank, XXXX, to provide an amended account #. Additionally, in recognition of their error NFCU advised they would waive the transfer fees that were originally billed to me, in the amount of {$25.00}. On XX/XX/2022, I called NFCU to discuss the possibly of NFCU providing my account with a refund for the wire amount as it was their error that resulted in the wire funds to become lost. Again, the representatives informed me that there was really nothing they could do to help, and they would not provide me with a refund of the wire. They again advised wire transfers are seen as cash and once sent it was out of their hands. I advised they sent the service message to amend the account #, and the representative stated that XXXX had no obligation to respond. On XX/XX/XXXX, I called NFCU to obtain an update on their error resolution process and again requested a credit on my account for the amount of the wire that was lost due to their error, {$3700.00}. I advised I would at that point be submitting a formal complaint to the Ombudsman Office due to NFCU lack of willingness to help. The manager simply kept repeating there was nothing they could do, it was not their policy to refund wire funds as these were considered cash. He then hung up on me. I also believe that NFCU is in violation of Reg E requirements, specific to remittances and error correction. Under the error correction requirements, NFCU had 10 days to investigate, and 3 more days to notify me of the results of the investigation. If they require more time to investigate, NFCU is required to provide me with a provisional credit for the amount of the error, which in this case would be the wire amount, totaling {$3700.00}. I understand my rights as a consumer and know that NFCU can not simply wash their hands of the mistake they made, which resulted in a nearly {$4000.00} dollar loss to me and my family. My wife is pregnant and we are currently in the process of a large move. The amount of the wire that NFCU lost, was not a small amount to my family and I. We need those funds back to make payments immediately. I would like your assistance with communicating to NFCU my concern for their blatent rudeness, lack of awareness of my consumer rights, and their willful unwillingness to correct the error they caused or help in any way. I would like NFCU to credit me the full amount of the wire, which totaled {$3700.00}, plus interest. Thank you for any assistance you can provide in this matter. Please reach out to me for any additional information you may require. Sincerely, XXXX XXXX XXXX XXXX XXXX | ||||||
| 07/16/2019 | Yes |
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Web | Servicemember |
| In mid XX/XX/2019 I was approved for a HELOC with Navy Federal Credit Union, who also have my home mortgage. At this point I had spoken to no lass than 4 different loan reps, and had consistently gotten varied information from all of them regarding the APR and various loan details relating to HELOC equity mortgages. By the time I was ready to close on this loan, the interest rate had gone up from what I had seen during my initial investigation of NFCU 's various equity type of loans. The first and only % rate that was referred to on their intro equity loan/line section was 5.75, possibly even lower. By the time the process was complete they reported that my rate was going to be 9.25 %, down to 9 % if I signed on for automatic payments from my NFCU checking/shares accounts, which I agreed to reluctantly, since I was almost ready to cancel the application - based on confusing, poorly explained incremental rate increases throughout the process, the first of which I recall was around 7.5 %, and the explanation for why it was higher at that point, was so inadequately explained that I actually can not recall what it was. Then higher, at some point, finally ending up at 9.25 %. The justification for this higher rate ( 3.75 % higher that the rate I had initially seen ), had to do with the LTV that they came up with. When I asked for the comps the LTV for my home were based on, this final loan officer or agent said " it's just a standard procedure done by companies that specialize in doing this ". I asked for the company 's name, where they were located, and how could I be sure it was accurate, she simply continued to use the " it's no big deal - just a standard procedure '' attitude, thus brushing it off and never providing me with any details, or even the company identity I requested. How can I be sure that this company and NFCU don't have a conflict of interest of some kind, like possibly their CFO or a key board member having a interest in this company, thus providing additional income for NFCU based on arbitrarily derived LTV numbers, so as to be able to raise interest rates for their VETERAN members. I am a 100 % service connected XXXX XXXX XXXX XXXX combat Veteran, and a 30 XXXX XXXX XXXX. My career began the year after I received my 4 year degree from XXXX, and it ended when my XXXX symptoms and medical issues related to my service in the XXXX began to worsen greatly, to the point that I was no longer able to work. Do they have any clue about my military service and the sacrifices I've made for my country.and even if they did, do I believe that they really care at all? Not likely, I have seen several indications over the years that cause me to believe that, aside from their limiting their services to Military members and Veterans and their immediate families, they are exactly the same as any other profit motivated banking/financial organizations. Therefore, how can I believe that they do anything different in their policies or the services they provide, to benefit the Veteran community in any significant way. Don't get me wrong, I do value their banking system, which is fairly efficient with some policies, like overdraft protection and a few others being oriented toward higher customer satisfaction. The little details like their reps always thanking us for our service consistently might seem like a minor thing, but to Vets like me who've seen the worst in war, and were rejected upon our return, it does mean quite a lot. But when it comes to financial products that they offer, their motive is exactly the same as all the rest - profit, as much as they possibly can. There are crooks and scams everywhere you look, so why should I believe they have no shady dealings going on, just because they only work with Veterans, and are a credit union. What I demand to know is who the company is that gave them the highly questionable LTV rating for my home, and how did they get to be a go-to company for this service with NFCU. My neighbor and I looked into all the home sales over the past 2 years in our development and a few nearby as well, and 85 % of them were in the low to upper XXXX XXXXs. In my case this company came up with 3 in the 300s, and one at around 245, just low enough to allow them to use some hidden rule that allows them to raise your rate. I want this company to be investigated to see just who owns it, who it's board members and management are, and do they have some hard to detect connection to this credit union in any way at all. My only alternative would have been to hold up the processing of my loan, while I found a local appraiser to do a full appraisal - @ XXXX XXXX.+.which I wasn't willing to do, since I had plans already made for some of my equity, which were time sensitive, so they had me in a corner, and I was forced to make the decision that I did. Without being assured or satisfied with how they came up with their highly suspect LTV number.+ | ||||||
| 06/28/2021 | Yes |
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Web | |
| - XXXX XXXX. Loan officer receives our escrow timeline showing XXXX XXXX is the due date for appraisal, and XXXX XXXX as the removal of loan contingency. Up until this point, the only time we were able to get a hold of our loan officer was via the mortgage hotline that leaves a message with him to call us back. No answers to his phone that he has listed in his signature block during his working hours. The first email correspondence took him 8 days to respond. - XXXX XXXX. Loan officer responds to an email from XXXX XXXX saying he'll be in touch with us for what he needs. Not a word on our timeline being unrealistic. - XXXX XXXX. No responses from our loan officer via email or call to discuss loan documents. He responds late XXXX XXXX and says that us delaying discussion is delaying the home appraisal, even though he is the one not responding. - XXXX XXXX. Talked to loan officer on the phone. He orders the appraisal. Not a word on our timeline being unrealistic. - XXXX XXXX. Passed to the loan processor. Not a word on our timeline being unrealistic. - XXXX XXXX. Followed up with the loan processor for appraisal. No answer to our question. - XXXX XXXX. Followed up again. Processor just now discloses that the appraisal was ordered XX/XX/XXXX, and that turnaround could be weeks. She also says that she can not follow up with the appraiser for 10 days due to NavyFed policy. ( Why are we being told this 2 days before it was supposed to be done, and only because we are following up constantly? ) Our realtor helps us extend our escrow timeline, but the seller could have walked due to us not meeting our contingencies. - XXXX XXXX. Followed up again. Processor says the appraiser will be out to the property XXXX XXXX. This is also the date of loan contingency removal. Not a word from NavyFed on not being able to meet this. Luckily our realtor had the foresight to extend this as well. But again, seller could have walked due to us not meeting contingencies. - XXXX XXXX. No appraiser. Followed up again. Processor tells us appraiser is busy and will be out to the property Monday instead, a holiday. We have a voicemail documenting that he is too busy to call until the day before to schedule. ( Nobody is too busy for a two minute phone call to schedule. ) - XXXX XXXX. Our loan XXXX says that he did not tell us XXXX XXXX was unrealistic because the appraiser is required to view the property within 10 days. This is not what we were told by our processor. So which is it? Per the VA, the appraiser is required to be in the home within 10 days in CA. - XXXX XXXX. XXXX says she will call us if we are not going to meet our extended XXXX XXXX timeline for appraisal and loan contingency approval. - XXXX XXXX. Processor does not contact us to tell us NavyFed can't meet the new extended timeline ; we only find out because we reach out multiple times. This is the third time the seller could have walked, and the third time NavyFed has blown by a key timeline without prior notice. - XXXX XXXX. We are sent loan closing documents, where there is a notice to call the loan officer immediately upon receipt. We call and email immediately. Nothing. - XXXX XXXX. Still have not gotten a call back from the loan officer. Appraisal is still not approved. Loan docs are estimated to be sent to the title company XXXX XXXX, and we are supposed to close on XXXX XXXX. We are told docs will be sent to the title company on Monday. - XXXX XXXX. No docs sent to title company XXXX shocker! ), with no heads up again. - XXXX XXXX. Due date for funding. Again, no heads up that NavyFed can't meet this timeline. Another escrow timeline blown. - XXXX XXXX. Closing day. Not a peep from NavyFed. A supervisor tells us that she has sent an urgent email to the appraiser, and filed a complaint. Why was this not done on XXXX XXXX? Or even the extended XXXX XXXX timeline? We ask for an appraisal refund. Our appraisal was ordered on XXXX XXXX, and at this point, it's absolutely insane and unacceptable by any reasonable person standards. - XXXX XXXX. Supervisor responds but ignores how we can get a refund. - XXXX XXXX. The appraisal magically is done, and we are told we can't get a refund because it was completed ( more than 30 days after the original contingency removal timeline! XXXX. We raise a stink, and are told that the supervisor has to ask higher, because it's not NavyFed at fault. As the sole entity able to liaison with the appraiser third party, NavyFed is very much at fault. - XXXX XXXX. No update on an appraisal refund. Followed up again. This is not how you treat service members ( or anyone! ) returning from overseas, who have put life savings into purchasing a home for the next duty station. The ineptitude, lack of customer service, and lack of advocacy is staggering from a organization we have used and trusted since we were both XXXX. Closing day came and went without so much as a peep or sense of urgency. | ||||||
| 06/21/2022 | Yes |
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Web | Servicemember |
| I Claim that Navy federal had committed a breach of contract involving a fraud claim and NSF fees. Attempts to resolve this issue with Navy federal have gone unresolved and unresponsive. I was frauded by another member of the Navy Federal Bank I provided all of the details including account numbers names and any other information Navy Federal required. No further investigation has conducted no repercussions were brought against the other member Navy Federal held me liable for the fraud claim even though they have a Zero Liability policy and that policy does state According to Navy Federal Credit Unions bank policy. I am baffled by the handling of this claim as a XXXX XXXX XXXX Veteran I assumed this institution cared about service members as they advertised in many commercials and in their policy but like so many other parts of their policy Navy Federal has not kept their own word and went against their own policy as an Institution Navy Federal should be held responsible just as they would hold a consumer response in the same matters. According to their policy, it statesThe Zero Liability policy only covers transactions that have been confirmed by Navy Federal as fraudulent and that are reported to Navy Federal in a timely manner. You must report suspected fraud as soon as possible. Nowhere in the policy does it states that this is only limited to a certain type of transaction or it has to happen a certain way it just says consumers are held at zero liability. I reported my findings in a timely manner and Navy federal denied the claim with no evidence or explanation. On top of the policy discrepancy, Navy FederaXXXX did not respond to emails, calls, or any correspondence involving the matter. Navy Federal in the policy states fraud claims will be resolved and assigned within 10 calendar days. According to documentation regarding my claim, Navy Federal assigned an investigator and in 3 hours the claim was denied with no investigation. I have filed police reports, CPFB claims and done my own investigation, and found the offender 's information and Navy Federal refuses to thoroughly investigate this claim, therefore, they have breached their policy by not allowing me a proper investigation and I will be seeking legal counsel. When reaching out I was informed by a Navy Federal customer service agent that fraud happens a lot within their institution and that the reason for not being assigned an investigator in a timely manner is due to them being backed up. After this conversation, I will reach out 3 more times in a period of 2 months only to have the same answer repeated they do not know why I havent been assigned an investigator or why. Again I was assigned an investigator and after only a few hours denied even with evidence showing i had never transferred to this member did not know this member or any of those findings. Under Federal reserve regulation E requires banks and credit unions to provide reimbursement for certain fraud losses occurring through unauthorized electronic transfers. Navy Federal did nothing of the such. Another issue is the returned check fee I was charged multiple returned check fees from XXXX for the same transaction. Although I did not authorize Navy Federal to repeatedly attempt to charge this check they did so without my consent or knowledge racking up to {$120.00} in returned check fees for the same transaction that had failed that same day. Now according to Navy Federals policy, it states We will charge a fee of {$20.00} each time we pay an overdraft. You will not be charged a fee on transactions of {$5.00} or less. You will not be charged a fee if the amount you are overdrawn after all transactions have cleared or posted after the end of the business day is less than $ XXXX.You can only be assessed one overdraft fee per day per account.OOPS is limited and only available for up to {$500.00}. Your account may become overdrawn in excess of the {$500.00} limit due to fees. Up to {$50.00} in fees may be added to the limit. The {$500.00} limit includes the amount of overdrawn items, OOPS fees, and any other transactions that result in overdrawing your accounts, such as returned deposits and other fees described in our Schedule of Fees and Charges ( NFCU XXXX ). Enrolling in OOPS does not guarantee that we will pay overdrafts. Navy Federal Credit Union pays overdrafts at our discretion. If we do not authorize and pay an overdraft, your transaction will be declined yet I was charged 4 NSF fees for the same transaction within the same day. Instead of Navy Federal denying the transaction they continued the same attempt 4 times and charged a fee each time without my consent. I am Disappointed in Navy Federals Deceptive practices according to the policy several things have been breached and will be seeking further counsel concerning the matters listed above and to recover funds for damages to my credit and other fees that have arisen due to this issue. | ||||||
| 08/11/2023 | Yes |
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| A discharged debt can not be late or in collection. Upon the termination of the credit account any balance due is to me the consumer. 12 CFR 1026.11 - Treatment of credit balances ; account termination. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure. 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. | ||||||
| 02/03/2022 | Yes |
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| In XX/XX/XXXX We applied and was pre-approved for a home loan with Navy Federal Credit Union. We decided to build with XXXX XXXX and also signed a contract to start building in XX/XX/XXXX as well. From that point to near the end of construction we kept in close contact with our loan office XXXX XXXX at Navy Federal. We expected for our home to be completed in XXXX. Unfortunately, is was not completed until XX/XX/XXXX. Throughout this time I ( XXXX XXXX ) have been working full time, had not changed my job at all. Unfortunately I had to take a leave of absence due to some health issues that was causing me difficulty to work and the care of my mom that was on hospice at the time ( she has since passed on in XX/XX/XXXX ). Again everything that the lender needed including bank statements and paystubs. Initially we had a closing date of XX/XX/XXXX. Everything seemed to be OK until our file was sent to underwriting. They had issues with the fact that I had a second home in my name. They ( Navy Federal ) was fully aware that I had this property and loan with XXXX Mortgage since the beginning of the loan process. The property is actually being rented out and a copy of the two-year signed lease was provided. With the loan at XXXXXXXX XXXX the loan payment was recorded incorrectly on my credit report. I provided an new mortgage statement, highlighted bank statements that the mortgage was paid out of with the amount that U said it was, a screenshot of my account page as well as an email from the mortgage team backing up everything that I said to them. This was STILL not good enough and they continually asked for this information. They ended up contacting someone from XXXX XXXX to again get this information without both my knowledge and approval. How can someone that is not associated with my account freely ask for information that I did not approve for them to do. Why was the documents already provided not good enough for them to proceed with the loan? Another issue that was brought up was the fact that I was on XXXX XXXX XXXX. Even though my paystubs that had my short-term disability pay are on the SAME employer checks that the rest of my full time pay is on they had a problem with that. My pay stayed my normal pay at 100 %, it only changed for the last three weeks of my leave. I was informed that although I was not ready, that in order for this loan to be fully approved and sent to closing that I had to be fully back at work in XXXX. They wanted an exact date that I was going to return to work. They requested extreme things such as speaking to my manager about my condition so they could verify that I am still an employee and that my salary would not change when I came back to work. They requested to speak to someone in HR for this same information. It was not enough that I had ALREADY provided both emails and screenshots/letters for the XXXX leave of absence website with all this information, I also sent over doctors documents on my leave of absence as well. I was made to return to work before I was ready to not lose the thousands of dollars that my builder already had just to FINALLY close on this loan. XX/XX/XXXX we were somehow denied the home loan after all this time. YES! Denied. The reason given was 'Delinquent past or present credit obligations '. For the entire year of XXXX we had none of this on our credit report and in fact things on our credit had only been better since we applied. The 'Delinquent past or present credit obligations ' they spoke about was because of COVID but by the end of the summer of XXXX we were back on track again. After going back and forth this denial was ultimately reversed, but not without causing me extreme XXXX and anxiety that I was initially trying to recover from which is why I was on leave. Too stressed to care and spend time with my XXXX mother because Navy Federal could not stop asking for the same information over three different ways. There were even little things like not counting some of my husbands ( XXXX XXXX ) income that they received from XXXX XXXX XXXX ( a trusted source ) requiring even more information about his income even after verification. To me something about this did not seem right. Not only invading my privacy and HIPPA laws to verify my pay which by the way under FMLA/Short Term Disability laws my job is required to reinstate me at the same position or equivalent position with the same pay, working conditions and seniority. How does an underwriter not know this? And lets not forget all the privacy laws broken with XXXX XXXX handing over my information to Navy Federal without my knowledge or approval. Thankfully, my husband and I know how to fight to the bitter end, so we did end up closing XX/XX/XXXX. Since our closing was delayed by information, they had already received multiple times we also had to form over money to the builder at closing for the delay of our closing date. | ||||||
| 04/10/2021 | Yes |
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Web | Servicemember |
| On XX/XX/21 I received a call supposedly from the Department of State Fraud Investigation Unit, asking me about high dollar transactions linked to my social security number, which I immediately denied I had done. They did now about a fraud report I had made on a small unauthorized transaction from my bank, as well as small transactions to XXXX, which I sent to my family. They said my SS # had been used in 18 different bank accts., and asked me if I was aware of different balances from them, which I also denied. They said my social and these transactions were tied to a trafficking ring and that I had a pending arrest warrant. Since I denied all these transactions, they pretended like they believed me, and asked me if I was willing to collaborate with their department to track the movements of these accounts and whoever stole my identity. I asked them if they could just report the fraud and I would close my accounts. At this point they became aggressive and implied I was denying collaboration with a govt. agency, and that they would then proceed to keep me in their custody until they verified the validity of my statements. They asked me to look for the XXXX XXXX police department phone number, since it was where the original flag to this activity was reported ( for context : I previously lived in SD and opened my bank account with Navy Fed there ). I verified the phone number with them and they said I would get a call from an officer from the department. The next call I received had that number in the caller ID ( from SD XXXX ). The person asked me if I had enough phone battery and if I was in a secure space and that I could not disclose any of the info discussed to outside agencies, since there was an ongoing investigation and any info couldn't be breached due to policy. He then told me I had to follow their instructions precisely in order to " secure '' my accounts and to clear up any links to the active investigation of my identity as they were in the process of freezing all my accounts. He told me I needed to withdraw all the money from my account, and that I would transfer the money into secure government vouchers and they would have two police officers come to my residence at XXXX the day after to give me a new SS # and instructions on how to transfer my money to new accounts. I began to ask more questions, but he insisted I remained calm as I drove to Navy Federal and to focus on the task at hand. When I arrived at Navy Federal Credit Union ( XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, FL XXXX ), before going to the teller I told them I would keep my money cash instead and once I opened new accounts I would deposit them myself. However. they insisted they needed to be put on the government voucher in order for the money to appear as " clean ''. When he noticed I stopped believing, he said that if I didn't believe I was speaking to the government, to look at two different people which he described correctly ( clothing, location in relation to me, etc ), and they were in fact watching me. At this point I feared for my security and my family 's and knew I was being scammed and followed so I followed their directions. My decision was based on the fact that they knew I was an XXXX XXXX service member in the XXXX, and knew our residence address. They made me purchase 15 XXXX gift cards with {$4400.00} in cash which I withdrew from the teller in Navy Fed and {$3000.00} with my XXXX XXXX credit card and I had to give them the access codes. XXXX XXXX is collaborating with me, XXXX fraud department is also collaborating by cancelling those cards right away and trying to get any funds back ( I have not heard back if they found any ), but Navy Federal Credit Union will not help me in recovering my money despite the evidence provided & the current police report. I called that same day the Fraud Department and they justified their lack of action by the fact I personally withdrew the money, regardless of me explaining I was being followed, the XXXX people were outside the bank waiting, and felt threatened and feared for my safety. On Monday XX/XX/21, I personally went to the branch in my second attempt to get help from them, I filed a fraud report and they closed the original account and opened a new one. However, they said that they were not sure what the outcome would be after submitting the report, and that I should call the Security Department, although they had already said they couldn't help. I recently received a letter from Navy Fed dated XX/XX/XXXX ( attached ) in which they denied any error occurred based on account activity. I have documentation of the police report, XXXX 's case # for the scam, receipts of gift cards, my report to the Federal Trade Commission since by SS # was breached, and I am willing to provide any further information needed to resolve this matter. XXXX Case # XXXX Federal Trade Commission Report # XXXX | ||||||
| 05/28/2019 | Yes |
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| I am filing this complaint in an attempt to resolve an issue that has become very frustrating. I was a victim of identity thief in the month of XXXX of XXXX and purchases were made to my credit card without my knowledge. Charges were charged to my business credit card account associated with Navy Federal Credit Union out of Washington DC at two separate store locations. One was XXXX in the amount of {$8300.00} on XX/XX/XXXX and the other was XXXX XXXX on XX/XX/XXXX in the amount of {$4700.00}. On that day XXXX received a text from NFCU asking if I made these purchases or if I was aware of them being made. I immediately replied no and then I received a follow up phone call from a rep at NFCU. I explained to the representative that I did not authorize those charges and that I was not even in the Washington DC at the time. I was in XXXX GA where I reside at my house when I received the text notification. They asked if I still had my card, I put them on hold and checked and verified that my card was indeed in my possession. Apparently the charges that was attempted went through which I don't know why they would allow it when charges that came out of Washington DC should have flagged my account in the first place. I made no other charges to my credit card in that area during that month or any preceding month. They took some other information and said they would review the claim and would follow up with me. In the meantime, the representative asked me to go ahead and destroy the card and a new one would be sent out to me. I did what the rep asked. They also stated they would remove all charges that I claimed were fraudulent off my credit card balance during the review process. Fast forward two months later and the charges were still present on my account and that I realized I was now accumulating interest on those charges. I called NFCU and about the charges and they said the rep that initially reported my claim should have processed to remove the charges but they did not. The rep. apologized and said they would remove all charges claimed along with the interest that accumulated while claim was being reviewed. The charges and interest was then removed my account. Fast forward a couple of more months later and I received a call around the beginning of XXXX in which a representative stated he was handling the review of my claim and asked me again if I had my card in my possession when the charges occurred. I said yes. He then said that is not possible since they received some type of ping that lets them know that the card used during the fraudulent charges was indeed my card. I disagreed of course, but all he said was he would review further and get back to me. About less than a week later the charges showed back up on my account and a letter was sent out stating they denied my claim and slapped me with the charges. I called again and disputed. They said that I needed to file a police report and they would review further. I did file a police report and sent it to them. I also volunteered to try to send them phone records showing I made phone calls out of the XXXX GA during the day the fraudulent transactions occurred. Fast forward a month later at the end of XX/XX/XXXX and they sent me a second denial letter. This is crazy. I never had anything like this happen to me before. I have been a customer of XXXX for 20+ years. I have always made payments on time. I have a business account, business credit card, personal credit card, personal bank accounts and even a mortgage through this bank and I feel as though from day one, they have been trying to find a way to deny the claim instead of working to find out who did this and how did it happen to my account. I have been the one volunteering to provide any information they asked for, but I really only had within a 5 month time span two conversations with a representative and the second time I initiated the conversation which they all they said was a letter would be sent to me stating their decision. They couldn't even explain anything to me over the phone. How do you treat a long time customer like this. The first customer service representative only spoke to me once for less than five minutes to gather information before they decided I was responsible for the charges. I am very careful with my credit and spending. My purchase history will show that I have never spent such a large amount at a time and I do not shop at the businesses where the fraudulent charges were made. I don't understand why their system shouldn't have red flagged these charges in the first place without allowing them to go through. I am requesting that you please help me resolve this situation as I take my credit very seriously and do not want this to have a negative impact on my credit. Please feel free to contact me directly if you need any further information. I attached all documentation I could to further assist. Thank you. | ||||||
| 10/31/2021 | Yes |
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| XX/XX/XXXX my brother XXXX XXXX send me XXXX to get a car and to have cash on hand as well, he send it through member to member due to us both having navy federal accounts. I had my account for 10 months, never had any issues with anybody sending me money. XX/XX/XXXX when he send the XXXX to me, I owed a friend some money so I send her XXXX and my sister needed help on bills I send her XXXX as well and I still had 1971 left for my car I was trying to get. My friend and sister have navy federal as well so I member to member the money to them as well. The next day which was XX/XX/XXXX, yesterday, I noticed my account was locked and a message popped up stating I needed to call navy federal for assistance I didnt know what was going on and why my account was locked. As I was calling navy federal my friend called me and told me her card was locked and my sister texted me telling me her card was locked as well. At that point I told both of them to call navy federal I didnt know what was going on at that point. I called navy federal back and was on hold for 40 mins to speak to security department I explained that my account is locked and Im not sure why, they stated that my brother needed to verify and validate that he send me the XXXX dollars I stated I never had to do that before whats going on, they stated they couldnt explain to me exactly, just kept saying I needed to speak to my brother, I stated what do you mean you cant tell me, whats going on this is crazy, I asked the representative, so all my brother need to do is validate the transfer and thats it, she stated yes. I called my brother told him to call navy federal he said ok. He had a long hold wait as well, he called me 45 mins later and said he called and he validated the transfer, and he also told me his account wasnt locked, so I didnt understand why my account was locked. So i called back and was on a long hold again, and I explained to the representative that my brother called in and verified the transfer, can I please get my account unlocked, the representative told me no its not validated and that the XXXX was fraud and they are closing my account for good, I stated what? The XXXX wasnt fraud, and I asked her, is this why my account, my friend and sister account is locked as well she stated yes because it was fraudulent activity I said what are you talking about, my brother send me this money through his account through member to member, why would you close my account from a money transfer, Im not aware of anything being fraudulent at all, and the lady rudely stated well you will have to find another institution, Im not able to tell you anything else. I hung up with that representative called my brother and explained everything to him he stated he didnt know what was going on because his account wasnt locked and everything was fine on his end, and the money came out his account already. So I called back spoke to the 3rd representative after a 40 mins hold again, I stated to this representative Im not sure whats going on but I need my account unlocked this is straight BS, the representative told me the XXXX was fraudulent and since it came to my account it affected my account and since I send it out it affects those accounts too, I stated thats insane and pure bs I have never heard of that before in my life. Just because someone send you money and you send money to known members, and you have send money to them before, our accounts is closed, I never heard of that before, and I had no idea anything was fraudulent, I wasnt aware of anything being fraud, how can you know if money was fraud from someone sending it to you thats insane, and the representative stated due to the money being fraud they wont be opening my account back up also due to a incident with someone getting my information and trying to put a check in my account that never came to my account, and I didnt have any idea that anyone tried to do that, that was fraud and I knew that was fraud because I didnt do it, I got the same pop up message and called and got that straighten, and The representative stated thats also the reason why we closing your account. I stated to him that doesnt have anything to do with this incident here at hand, both of theses incidents are different, someone stole my bank information and card and tried to deposit a check, that I wasnt aware about. And this incident with the XXXX, my brother send the money to me in my account, I wasnt aware of nothing being fraud, the money came directly out his account. I dont condone in fraudulent activity at all, and never have, my brother send me that money to help me since my car got repo, I needed this money, now I dont have any of it and now Im not able to do what I needed to do. I never ever wouldve thought anything will be fraud and it cost my account and money because of someone sending money to my account that I wasnt aware of being fraud. | ||||||
| 12/05/2017 | Yes |
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Web | Servicemember |
| XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX PH : XXXX PH : XXXX EM : XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Date of Birth XXXX/XXXX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX, I received another email from Navy Federal XX/XX/XXXX in my XXXXXXXXXXXX email that included a PDF file titled Benefits Message.pdf. That was addressed to an unknown person XXXX and unknown school related extention XXXX. The email did n't show my email address XXXXXXXXXXXX it is in nor my name : From : Navy Federal XXXXXXXXXXXX To : Recipients XXXXXXXXXXXX Date : XXXX XXXX, XXXX, XXXX PM I created my XXXXXXXXXXXX account years prior to me moving here to XXXX. My account was n't provided nor created by another. Like my other email and other accounts, I have n't ever given anyone the password to be able to sign into my accounts. I had n't ever applied for nor Co-signed for any type of Loans while I was in the United States Military ; only from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I 've not been in any other branch of the United States Military in spite of taking my 1st Computer Test at an XXXX, XXXX Recruitor Office while I was still in High School with a XXXX XXXX Recruitor. It was n't unit XXXX, when my XXXX XXXX XXXX took me the XXXX XXXX XXXX where I completed several exams and had taken my 2nd Computer Test associated with the Military ; the same day I was sworn in to the XXXX. I 'm XXXX and was born XXXX my Recruitor was XXXX only. When I had spoken to a Recruitor near the XXXX XXXX, I had spoken to a XXXX XXXX Recruitor in XXXX, but I was only sworn into XXXX XXXX XXXX, I was n't ever sworn into any State branch of the Military. I did n't know anything about XXXX Organizations such as XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or the XXXX XXXX until XXXX or XXXX for example none of which have I ever worked for. Nor have I ever applied for any Loans outside of XXXX, IN or co-signed for any types of Loans for another person ; not even my children. I 'm not and have n't ever been married. I 've never had or applied for any XXXX Loans be it associated with the XXXX XXXX XXXX XXXX or not. If I 've been in a Navy Federal Bank it was only at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I 've only used the Bank ATM in such a Hospital a few times years ago. I 've never attempted to or had an account in any bank named Navy Federal. In spite of learning for the XXXX time in XXXX there were documents in my XXXX and XXXX XXXX XXXX XXXX Records that stated I had once been a XXXX XXXX XXXX with Rank XXXX. That infact was an impostor whom used my Identity. I was n't ever hired for any positions I applied for through XXXX after I moved to XXXX in XXXX. I 'm not and have n't ever been a XXXX XXXX XXXX XXXX Employee. Nor have I ever been in person to XXXX nor taken any online course through any schools, colleges or universities in XXXX I was interested in years ago. The XXXX time I learned of there being a such thing as an XXXX XXXX Employee position I resided alone from XXXX to XXXX in the XXXX XXXX Apartments at XXXX XXXX XXXX. XXXX XXXX XXXX in XXXX, XXXX. At which time I applied online through XXXX for a XXXX XXXX position with the United States XXXX in addition to other positions for other government agencies none of which ever hired. I applied at that time online using my XXXX XXXX XXXX XXXX. * Certificate Of Authenticity XXXX My XXXX XXXXXXXX Desktop Computer was delivered by XXXX that had XXXX to deliver it to my residence at XXXX XXXX XXXX XXXX , IN XXXX XXXX, XXXX. That was stolen from my residence in XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX . XXXX in addition to my other property on XXXX/XXXX/XXXX. Of which I have n't ever gotten back nor my stolen property here in XXXX. I have n't ever owned another XXXX XXXX Desktop Computer. The XXXX XXXX XXXX XXXX denied my Educational Assistance request here in XXXX in XXXX and XXXX. I was only in XXXX XXXX XXXX after being denied in XXXX, XXXX in XXXX ; not here in XXXX. In spite of my diverse interest, I 'm not and have n't ever been enrolled any any Educational Programs associated with any type of Veteran related Programs here in Georgia or outside of XXXX, XXXX. Nor have I attended any schools, universities or colleges I was I interested in here in XXXX or outside of XXXX since I moved to XXXX in XXXX. No Military Educational related Programs, Vocational Rehabitation Programs be it State or Federal, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX related Programs, nor Food Stamp related Programs, Schools nor Employers have ever provided or purchased electronics such as phones, cellphone, computers be it laptop or desktop for me ; nor ever given to me as a gift ; past and current & stolen Ipurchased myself. Thank you, XXXX XXXX | ||||||
| 08/15/2018 | Yes |
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| XX/XX/XXXX - I made two mobile wallet check deposits for {$5000.00} each ( {$10000.00} ) into my checking account. The deposits were made at XXXX Eastern time, reviewed and approved at XXXX. {$200.00} was immediately available in my account. According to the bank the posting date for the checks was XX/XX/XXXX XX/XX/XXXX- I am not sure if another small portion of the funds was made available into my account because Navy Federal Credit Union online check register is often not accurate and hard to read and understand. I made two more mobile wallet check deposits for {$5000.00} each ( {$10000.00} ) into my checking account. The deposits were made at XXXX Eastern time, reviewed and approved at XXXX. {$200.00} was immediately available in my account. According to the bank the posting date for the checks was XXXX. I paid bills after the bank represented the funds were present in my account. It needs to be noted that I would not have paid bills had I of known what was going to transpire next. At XXXX/XXXX I received two email communications as follows : Dear Member : " This email is in reference to your Navy Federal account . On XX/XX/18, a check ( s ) was deposited to your account. A further review of your account indicated potentially suspicious activity. As a result, a restriction, which prevents certain access, has been placed on your account. Please contact a Security Specialist toll-free at XXXX, option 4, to discuss this matter. Security Specialists are available to assist you Monday through Friday between XXXX XXXX and XXXX XXXX and Saturday between XXXX XXXX and XXXX XXXX, Eastern Time. Your immediate attention to this matter is required. Sincerely, Navy Federal Credit Union '' It is noted that this is now after business hours and I could not contact the bank. An immediate check of my account revealed that I was locked out of my account and my DEBIT card was no longer active-blocked. I'm still unsure what was suspicious about depositing checks into my account at my bank.XX/XX/XXXX - At XXXX I called the bank and was advised there was a hold placed on the two most recent checks. I was advised there would be a 5-day hold placed on the two checks but that the two other checks had already processed and were available in the account. I was given access to look at my account online/mobile again and saw the balance. Because of this, and for no reason that was communicated to me, my account was placed in a " Credit Only '' status. I did not know what that meant until later that morning when I tried to use my DEBIT card and found it being declined. Upon contact with the bank I was advised that my account was FROZEN, and I would not have access to ANY FUNDS until 5-days had passed ( presumably the XX/XX/XXXX-XX/XX/XXXX ). It should be noted that there were funds in the account that pre-existed the check deposits that were frozen AND my available balance showed as {$10000.00}, also reflecting a statement balance of {$20000.00} ( the last two checks were acknowledged but held ). I'm guessing that the initial $ XXXX had already cleared and processed and the bank just decided that since they could not place a hold on those checks, they would FREEZE me out of my own account and prevent me from accessing my money. Upon confronting the staff at the only branch in town, all of this information was repeated, and the Security Department had frozen my account completely. No one was willing to fix the issue, of course citing their company policy all along the way. I was even advised that any pending transactions ( such as the ACH bills I had paid the night before or any outstanding checks that had not posted yet ) would be returned, I would be assessed fees on both ends and there was nothing I could do. I was told even if I made a cash deposit to ensure those transactions were covered, which I was planning on doing because of this issue, the account was FROZEN and CREDITS would be the only thing processing to the account. I attempted to close the account, to at least stay the potential return charge fees, and was advised they would not close it until the checks posted. They also refused to permit me to withdraw on the available {$10000.00} that was clearly showing as AVAILABLE on my mobile app, my online statement and on receipts issued by the bank. After threatening them with the police, I was permitted to withdraw {$33.00} which is what the branch stated in the branch was what was left of my money. It should be noted the AVAILABLE BALANCE after this withdrawl was {$10000.00}. Furthermore, I allege they did not follow the Expedited Funds Availability Act in the performance of availability of funds. As of the writing of this communication ( XX/XX/XXXX XXXX ) fund show as available in my account, I have no access to any of my money, and my debit card is blocked. https : //www.consumerfinance.govXXXX | ||||||
| 05/24/2023 | Yes |
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| In XX/XX/2023, Navy Federal Credit Union placed my account in " Restricted Status '' causing me to speak with their fraud department, when I spoke with them, they did not give a cause or reason for the status. I received a letter on XX/XX/2023 explaining that a transaction was returned to the payee as " Account Frozen ''. ( see attached ). On XX/XX/2023 I received a letter stating that I owe Navy Federal Credit Union {$42.00} to my " Frozen Account '' because of this transaction that was " not paid '' however I do not have Access to my accounts due to the " Restricted Status '' placed on my account. ( see attached ) Since XXXX I have been contacting Navy Federal Credit Union to try and resolve these issues and get my monthly statements mailed to me, however, have not been successful. I called on XX/XX/23 to ask for another statement because the one I requested on XX/XX/2023 was a copy and not an original. When I asked the supervisor for the original and wanted to make sure going forward I could receive my statements monthly his response was " your account is in restricted status and you will not be allowed to get your monthly statements '', my response was " so you expect me to pay a bill that I have no idea what I am paying or have a statement for ''? His response was " well you still owe us the money ''. Due to all of the statements not coming in the mail, not having any access to my accounts online, I have not been able to make a payment and therefor Navy Federal has reported negatively to the consumer credit reporting agencies, causing me harm as a reflection. I will me required to move due to my home I am renting is being sold, now, because of Navy Federal not following the law, my credit has been impacted negatively and it will be difficult to get into another place of residence. I have also attached a letter which I just sent off today, as I am now aware of the what they are suppose to be doing, XX/XX/2023 opting out to Navy Federal Credit Union. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Navy Federal Credit Union is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navy Federal Credit Union, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Navy Federal Credit Union whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Navy Federal Credit Union never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. | ||||||
| 12/22/2021 | Yes |
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| I'm writing this complaint in regard to an adverse action letter I received concerning a consumer credit application I submitted to NAVY FEDERAL CREDIT UNION on XXXX2021, Pursuant to the FCRA, as a consumer, accuracy is defined as the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. Congress talks about accuracy and fairness, they're asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict NAVY FEDERAL CREDIT UNION of 2 counts of taking unjust advantage against me on XXXX2021 and XXXX/2021. according to 15 USC 1681m the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why does it not ever mention being denied for credit? The answer is in Truth In Lending Act ( TILA ). I am aware that there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open-end credit plan, which I administered and extend/originate myself credit to make them a creditor/debtor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions don't loan money because there hasn't been any in circulation since XXXX and also pursuant to 12 USC 83, banks are prohibited by law to make loans or discounts on the security of the shares of its own capital stock. So what is navy federal denying me for exactly? are they admitting to violating their corporate charter by loaning me money? Where is the credit coming from exactly? Can they provide me and the CFPB with documentary evidence on where the money being lent is coming from? According to 15 USC 1681m ( C ) ( ii ) ( I ) Information referred to in subparagraph ( A ) - does not include- information solely as transactions or experiences between the consumer and the person furnishing the information. They are found to be in violation labeled Exhibit A & B. This is not a request, I am granted the right to credit under my open-end credit plan which I am administering. Pursuant to 15 USC 1681m The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any INSURANCE, existing or applied for, in connection with the underwriting of INSURANCE ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. The law did not mention any denials of credit but does mentions denial of insurance or employment. The application I submitted to NFCU was a consumer credit application. Pursuant to 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Does this not mean that I granted the right to NAVY FEDERAL CREDIT UNION as the debtor in this transaction to incur debt and defer its payments? so why am I being denied for CREDIT that I am granting? I did not apply for insurance or employment with NFCU. Every consumer credit transaction includes a finance charge. a finance charge is defined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit pursuant to 15 USC 1602 ( j ) - The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance .I 'm granting the right as the original creditor to open, my open-end consumer credit plan. copies of the federal laws will be uploaded labeled exhibit c, d and e. | ||||||
| 01/10/2020 | Yes |
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Web | Servicemember |
| Good Morning, I am writing you this message from my XXXX location with the XXXX XXXX XXXX. I am currently in the XXXX XXXX XXXX but on a XXXX XXXX XXXX order. I learned about my XXXX late summer and when I did, I contacted all my lenders regarding XXXX benefits. All of the lenders I have done business with explained the benefit to me in full, to include Navy Federal Credit Union. My first interaction with Navy Federal Credit Union, i contacted their SCRA department per the number they provided on their website. My first encounter was with a gentleman named XXXX. XXXX was very forthcoming about the benefit and explained to me how it worked. He explained to me that I would be eligible for SCRA from the start date of my XXXX XXXX orders. He also explained that all debt prior to that date would be reviewed ( to when the account was opened ), and a refund would be sent for any amount over 6 %. He said this also applied for the period while I was on XXXX XXXX. I understood that this benefit would end when I am off XXXX XXXX in XXXX or XXXX. After speaking to XXXX, I called back to the department to confirm the benefit and again I received XXXX and he re-affirmed what he stated to me before. I submitted my orders when I received them and around XXXX, I received notice I was approved for the benefit. Shortly after approval, I logged into the Navy Federal Account and notice a large adjustment was made to my credit card and small adjustment to my checking line of credit. The next day, I noticed the large adjustment was credited back and a small adjustment to my credit card was made. After seeing this adjustment, I found the XXXX to reach out to Navy Federals SCRA department. I spoke with XXXX in the department and explained my situation to her and how I was told what I was expecting per their own team member. XXXX responded with a very snarky, annoyed and seems to be laughing and said you heard wrong and the decision is final. I mentioned to her I was told I was promised a retroactive refund to all pre-active duty debt and again with an attitude said no the act doesnt work like that. I ended the call by saying thank you for your time and hung up. In XXXX, I reached out to their executive team at Navy Federal Credit Union as I was upset and hurt with the way I was treated and how I was misled by their team. After several attempts to Navy Federal Credit Union, I spoke with a gentleman named XXXX. XXXX was looking to help out the best he could with the situation. I explained everything to him ( what I said earlier in this email ) that I was told twice by your team member that I would get a retroactive refund from all pre XXXX XXXX debt. I also explained the negative treatment I received from XXXX as well. So after 15 minutes or so, on behalf of Navy Federals mistake, he offered me a refund of XXXX interest charged on my Navy Federal Accounts. I was happy NFCU was willing to compromise but I told XXXX I was looking for what they originally told me but I was open to compromising as well. We ended the phone call where XXXX was going to speak with his management team about Navy Federals mistake and see if they can make it right. Yesterday ( XX/XX/XXXX ) I received an email to contact XXXX at Navy Federal. We spoke about the situation and he asked if he could email me in an hour as his leadership team needed to review calls. XXXX then asked me if he could put me on hold to speak with his manager. He came back saying the managers reviewed the tapes and said the decision is final. Best of all, they pulled the offer of crediting the XXXX interest on my Navy Federal accounts. So basically Navy Federal admitted to a mistake, offered me a possible compromise to the deal, and then magically review the calls while I was on hold? Then pull the carrot away from my face and say sorry the decision is final and cant honor the previous offer? This is how we treat the military especially when your organization makes a mistake. I told XXXX last night usually businesses so right by admitting their mistake and satisfying the customer. I guess Navy Federal doesnt work like that. I have spoken to legal counsel from my base and they advised I was in the right on this and they should honor their word from the initial encounter. I would like you to investigate Navy Federal Credit Union and I still want what was promised to me in my initial phone call. I know I am right with what I heard and wouldnt be wasting my time and your time if this wasnt true. I would like Navy Federal to retroactively refund interest they promised me in the initial contact with them. As I dont have a working cell phone here, emailing me is the best option to contact me. I am in Gulf Standard Time so it might be some work to get hold of me. Regardless, I want Navy Federal Credit Union held responsible for their actions. Thank You | ||||||
| 04/19/2021 | Yes |
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Web | Servicemember |
| This complaint is in regards to the refusal and/or failure of Navy Federal Credit Union to provide sufficient adverse actions disclosure as ordered by the FCRA. I have applied three times since XX/XX/XXXX. Each of those times, Navy Federal reviewed my record from XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a company subject to the provisions of the FCRA. Since Navy Federal denied my membership application ( s ) due to information received from XXXX, they are also subject to the provisions of the law. I didnt have any knowledge of Navy Federal and XXXX until their most recent decline of my application, which was dated XX/XX/XXXX. Because of the decline ( s ), I am ineligible to apply for any of Navy Federals products or services ( i.e. deposit accounts, credit cards or loans XXXX. I obtained the following excerpt from the CFPB that explains my rights under the FCRA. ( https : XXXX ). The federal Fair Credit Reporting Act XXXX FCRA XXXX promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records XXXX. Here is a summary of your major rights under FCRA. You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. I first applied for Navy Federal membership online on XX/XX/XXXX. I instantly received an email stating that I needed to provide them documents for proof of my physical address and also another email stating that my membership application is under review. Navy Federal also sent me a letter in the mail requesting the address documents. I uploaded to them the documents they requested. On XX/XX/XXXX, I did receive an email from them explaining that they received my documents and my membership application is under review. After 7 days passed, I didnt receive any further information from Navy Federal. I checked with their membership department, but they were unable to disclose any information concerning the application status. I didnt know they used XXXX for this application until XX/XX/XXXX, when I received the report from XXXX Navy Federal failed to send me the adverse action notice required by law. The XXXX report states that they inquired to XXXX on XX/XX/XXXX. Thirty days passed, and I heard nothing from Navy Federal. Because I didnt know that I was declined, I applied again on XX/XX/XXXX. I immediately received an email saying that my application was under review. I didnt hear anything after that, so after a few days I called and I was told I by an agent that I will be receiving a letter in the mail. The letter never arrived. The XX/XX/XXXX XXXX report states that they made an inquiry on XX/XX/XXXX. Again, I didnt hear from them, so I decided to postpone applying for membership for a year. Then on XX/XX/XXXX, I applied for membership by phone because now Navy Federal has blocked me from applying online. The phone agent took my information. I verified my mailing address ( which is a XXXX XXXX XXXX with the agent. After he submitted my information, the agent advised me that my application is pending. Then, just like the applications from XXXX and XXXX, I received an instant email wanting me to send the address documents again. This time, I decided to gather all my documents and visit the nearest Navy Federal branch which is 35 miles from my home. On XX/XX/XXXX I drove to the XXXX California branch. The agent accessed my application, but she needed to call a manager. After speaking with her manager, she showed me her computer screen stating that I was denied membership due to information they received from XXXX. On XX/XX/XXXX, I received an electronic report from XXXX XXXXhowing the inquiries for each of my three prior application tries. As of today, XX/XX/XXXX, I havent received an adverse action letter for any of the applications. They have my mailing address because I received mail from them regarding my XXXX application. In addition, I verified my mailing address to the phone agent on XX/XX/XXXX during the third application. I certainly would not have wasted my time, effort, and gasoline to travel the 70 miles roundtrip drive from XXXX, CA to XXXX, CA if they had followed the law and sent me the letter. Is it possible that it is their policy not to send those letters because it just isnt worth their time to communicate with applicants who have a XXXX record? It most certainly looks that way. | ||||||
| 10/13/2023 | Yes |
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Web | Older American, Servicemember |
| SUMMARY : - NFCU Fraud Investigation was completed without any contact with account owners. - No real investigative proof supplied by NFCU except a questionable statement determining the device responsible for the activity, leaving possible forensic holes in what they did. - No avenue for appeal allowed by NFCU for my wife and I, the aggrieved parties - No information released to us by NFCU ( as their XX/XX/XXXX claim denial stated we had a right to ) without a law enforcement subpoena ( even though no court case exists up to this point in time ) NOTE : The NFCU accounts referred to in this complaint are co-owned by my wife and myself. Neither of us entered the three disputed XX/XX/XXXX activities XX/XX/XXXX : There was unauthorized activity in our Navy Federal Credit Union ( NFCU ) accounts. Activity included these steps : - The creation of an ACH transaction in order to move monies into an external XXXX XXXX account, the owner of which is unknown - A transfer of {$4900.00} from our home equity HELOC into our ( then ) checking - A transfer of {$5000.00} out of our ( then ) checking to the external account created ( 1st step above ) XX/XX/ : I noticed the above mentioned activity and contacted ( NFCU ) immediately. The customer service rep who took my call accepted our claim of fraudulent activity and made the necessary security remedies to our accounts, such as account number changes. At the end of our call, she mentioned the NFCU Fraud ( Security ) department will take a look at the activity and may call me for more information. Fraud ( Security ) department never did call. Subsequent to XX/XX/XXXX : - Received an unsigned letter from NFCU Security Department, dated XX/XX/XXXX, claiming their investigation determined the fraudulent transactions were legitimate, an inaccurate assessment. - In the letter there was no specific explanation of how/why they came to that decision. - Also in the NFCU letter was an statement saying we, the account owners, have the right to request information concerning the investigation and how we arrived at this conclusion a statement with a caveat as it turned out in that they subsequently stated several times it would take a subpoena by law enforcement for them to release anything to us - For several weeks of our effort to resolve the issue, NFCU exhibited nothing resembling an advocate for us, their customers. - Contact for two weeks with NFCU included Three ( 3 ) phone calls, Four ( 4 ) e-mail exchanges and several media posts. All this resolved nothing and provided little additional information. What little detail we were able to obtain from NFCU - Their decision was based on their finding that the three activities in question on XX/XX/XXXX were performed from what they described as an historic device. - Whether they were referring to our laptop or my phone ( the only two devices used for NFCU purposes ) is unknown NFCU was unwilling to divulge that information. - NFCU provided no avenue for appeal. Decision was final. According to NFCU ( and contrary to what they wrote in their XX/XX/XXXX claim denial letter ), any information I wanted on the matter could only be obtained through a law enforcement subpoena, including : - How extensive an investigation did they perform ( e.g. once they determined the activity came from an historic device, did they make any further forensic effort to determine if there were remote/external sources involved in manipulating the historic device ) - The account info of the external ACH fraudulently created on my own account. That info was available to me at before NFCU removed it and told me I was not privy to that information ( which in essence goes against their assertion that the fraudulent activity was legitimate if it was indeed legitimate, then that info should be available to me ) Conclusion : - The NFCU Security departments fraud investigation in this case was nothing more than incomplete, misleading or dishonest. Perhaps a combination of the three. - If the investigation was done honestly and with due diligence, it would have been found that the access to the historic device mentioned was, I am sure, a remote connection outside of our home network, either from inside NFCU or elsewhere. If indeed the historic device was used. - NFCU refusal to supply any facts behind how they came to their historic device conclusion is eyebrow raising and contrary to what they offered in their XX/XX/XXXX claim denial letter in terms of providing investigative data - NFCU refusal to provide an avenue for appeal of their decision is outrageous - The smokescreen so sue me mantra of needing a subpoena from law enforcement for any info pertaining to this issue is an interesting roadblock considering no legal case was ever begun, anywhere, on this matter up to this point in time | ||||||
| 04/15/2018 | Yes |
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| Back in XX/XX/XXXX of this year, I noticed that someone made a deposit in my son 's ( joint ) checking account. I immediately contacted my son who is attending college out of state to ask him if he was aware. He stated he had no knowledge of the activity. I told him I would be contacting the bank and police if necessary. A day or so later, I noticed that someone had made a withdrawal of {$190.00}. I personally went to the XXXX, GA Branch ( NFCU ) and informed them that we suspected some suspicious activity. Upon having the conversation with the banking representative, she stated that someone was trying to withdraw the remaining balance as we speak. According to her, it was happening right up the street at a XXXX grocery store. I told her that she should call the police and we are willing to press charges regardless of who it it. She gave me a smug look and stated it was probably my son. Along with that, she made some other unflattering subtle comments and spoke of her own daughter 's criminal mischief. I can only suspect why she was insinuating there may be some felonious behavior based on my appearance and dress that day. Notwithstanding, she told me she could not talk to me about the case beyond that point and I would to have my some contact the law enforcement then the fraud department. I did just that. He tried to contact law enforcement in the county and state where he was attending college. After receiving a call back from the investigator, they said that he would have to make the report in Georgia where the crime was perpetrated. When he returned back to Georgia on his XXXX Break, my son did just that. After completing the affidavit, he was told that it may take up to ten ( 10 ) days for the investigation to be completed. After ten days, I rechecked the account and noticed that the money had not been refunded and in fact, NFCU had gone into my personal saving account and extracted nearly three thousand dollars to cover the bad check that was deposited into my son 's checking account for which I am a joint owner. I called NFCU on Friday, XX/XX/XXXX and demanded an answer for which I got an answer that was unsatisfactory even after asking to speak with a manager. The customer service from the manager was poor at best. So here is where I have some big problems with the entire bungling of this matter : 1 ) This is a joint account with my son who is college student and no one at NFCU will fully engage in a conversation about this matter. As a joint owner, I do have rights. 2 ) I later found out that this was a bogus check deposited into the account and it was not properly vetted by NFCU. If they had checked, my son 's name is misspelled and the signature is inconsistent. Therefore, NFCU has some real culpability in this matter. NFCU is tasked with the duty of verifying proper names and other errors before funding. To simple pass the burden to the customer in this matter is not only shameful but borderline criminal and warrants further investigation. 3 ) Given the fact that no one would engage me with this matter and only spoke to my son but would go into my ( NOT joint ) savings account and extract money without notifying me does not seem on the up and up. If someone is going to seize my money from my account I am due an explanation and discovery on all findings. 4 ) And lastly, what strikes me as funny, if the check was bad, why wasn't my son ( or I ) charged a NSF on his account? In closing, I am asking for an appeal of the decision that left me holding the bag for NFCU 's bungled process. My son can prove his whereabouts at the time of the deposit and related transactions. I know that there are cameras during every financial transaction so I know that there are surveillance video. Both he and I are committed to prosecuting anyone who may have perpetrated this crime against us and would also recommend the retraining of NFCU personnel to reject transactions that have inaccuracies ( especially names spelled wrong ). I am respectfully demanding an appeal. At the time, I maintain personal accounts and just started the process of transferring my business accounts to NFCU. I keep a good amount in my savings and this has definitely cause me pause. I wonder if I did not have a healthy some of money in my account would the decision have been rendered against my favor and my money taken illegally. This has impacted my business and my personal finances. It is also jeopardizes my continued affiliation with NFCU. I will start to close my accounts if I do not get action and answers. I will also be reporting to the proper governing agencies of competent jurisdiction with regulatory oversight. Either way, I plan to see this to a proper resolution. I recommend you start with the surveillance tape and don't rule out inside felonies activity. | ||||||
| 08/05/2023 | Yes |
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| XX/XX/XXXX In XXXX & XXXX I submitted a written request for XXXX XXXX XXXX XXXX to remove negative information from my credit report. XXXX XXXX XXXX XXXX agreed to remove this information in a contract with me in XXXX. Failure to honor this contract is considered wire fraud and breech of contract. It is now XX/XX/XXXX and XXXX XXXX XXXX XXXX has failed to respond to my request. Accordingly they are now in violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies by failing to provide notice within the time identified in the statute as described in section 603 ( p ). I respectfully request the CFPB to intervene and facilitate this complaint with an acceptable outcome outside of the court process. I have gotten copies of my credit report from XXXX XXXX XXXX, XXXX, XXXX & XXXX and noticed that an account I had with XXXX XXXX XXXX was on all of them.! I never authorized nor gave written, unwritten verbal and nonverbal communications to any of the 3 companies per 15 USC 6802. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions Per 15 U.S. Code 1681a- ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] 15 U.S. Code 1666a & 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of { {$1.00} } is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. XXXX XXXX XXXX - {$87.00} No Account Number listed. XXXX XXXX | ||||||
| 02/22/2022 | Yes |
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| I met an individual over XXXX back in XXXX of XXXX. About a month later they indicated they were deployed to the XXXX ( XXXX XXXX, XXXX XX/XX/XXXX, is the info they provided ). Initially XXXX XXXX asked me for money to help get him home as he was sick and they wouldn't send him home, however, I said no. Later on XXXX XXXX had asked me to assist him with his business investments as he was not able to access his bank account or bitcoin wallets over in XXXX. XXXX XXXX would have money sent to me through various means, wire transfer, cash and checks. Back in XXXX XXXXXXXX XXXX had a " business partner '' send me a check for deposit with the expectation the funds would be used for bitcoin investment. The bank flagged the check as fraud, at that point I decided it was best to stop speaking with XXXX XXXX. A few weeks later XXXX XXXX contacted me through a different number and winded up talking his way back in. I am a very trusting person and wanted to believe he was telling me the truth. He told me he loved me, quickly told me he wanted to get married, would ask about my son, would tell me that everything would work out when he returned from deployment but they continued to extend his deployment. He would have flowers sent to me, to keep his hold on my heart. On Monday, XX/XX/XXXX, I tried to log into my account with Navy Federal and was unable to. When I called them they said the wire transfer I received was flagged by the issuing institution ( XXXXXXXX XXXX XXXX ) as a fraudulent transfer. They then told me it looked like I was laundering money because as soon as it hit my account I transferred the money out of my account. The transfer was for {$5000.00}. I transferred {$2000.00} through XXXX XXXX and {$2600.00} through XXXX via XXXX for bitcoin transfer. The individual who supposedly made the transfer into my account was XXXX XXXX 's business partner. When I decided on XXXX to cut ties with XXXX XXXX the business partner " XXXX XXXX '' called me, pleading with me for over 30 minutes to work things out with XXXX XXXX, his mom is the one who made the transfer, and she made an additional transfer in the same day by accident, she called XXXX XXXX bank to report it and they posted it it as fraud to the wire transfer to my account. This is not the first time money had been transferred into my account for the purpose of bitcoin investments. Navy Federal is basically stating it is my fault as they warned me that it was fraud a few months ago and there is a hold/restriction on my account and I am out almost {$6000.00}. I am a single mom with full custody and can't afford to be out that kind of money. XXXX XXXX would sweet talk his way back into me letting him back in and assisting him with his business transactions. I assumed that because he wasn't asking me for money that I wasn't doing anything wrong. Navy Federal is placing me under investigation for fraud. I did not think I was doing anything wrong as I wanted to believe the fraudulent check was truly a mistake and wanted to be able to help him with his business transactions. I provided all supporting documentation to Navy Federal. Every time I call to talk to someone at Navy Federal I get a different response. Last week I was told by XXXX individual to submit an appeal and provide all supporting documentation which I did. The next person I spoke with then told me I should have never been told that, the person was new and didn't know what they were talking about. She then indicated to me that they would put a hold on my account for {$5000.00} which was requested to be returned from XXXX XXXXXXXX XXXX and the remainder of the funds would be released to be but I wouldn't be able to continue to bank with them. Today when calling to check the status, I was then told that they have a full restriction on my account and none of the funds are available to me as they are investigating all transfers into my account. So now I am out almost {$6000.00}, I have bills that need to be paid, I need to get groceries, I need gas to get my son to and from, I just don't even know what else to do at this point. I clearly understand I was part of a scam, but innocently so, as I thought I was assisting with his business investments, and I feel like I am being targeted as someone who knowingly and willingly committed the fraud. Contact information I was provided for XXXX XXXX was XXXX, with the phone number for his mother being XXXX. Contact information used by XXXX XXXX - XXXX, XXXX, XXXX, XXXX, conversations were initially over XXXX chat using the email XXXX. When I cut contact back in XXXX he switched to the XXXX email. I was not able to provide my account number on the next screen because I do not have access to anything on my account, I am not even allowed to sign in and look at it. | ||||||
| 09/16/2021 | Yes |
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| I am a fairly experienced home buyer, having successfully bought three properties before this experience. In trying to work with the Navy Federal Credit Union to obtain a mortgage loan for a one-bedroom condo, I instead suffered XXXX XXXX XXXX and expense. I ultimately choose to purchase the property outright rather than continue with the difficult process. Below are some of the major issues I had with the process, which seemed to me unethical and unfair : 1. ) I asked to speak with supervisor about the tangled up application process, which included being asked by the automated system to fill out the application for the loan three times. ( It was completed before the second two requests. ) I had previously talked to a supervisor about the excessive amount of information requested -- going back two years, my business accounts and bank statements ( 3 months ) and investment accounts, as well as my personal tax records and bank statements and pay stubs plus permission to get the transcript for my tax records, just for starters. Some of that turned out to be unnecessary. I can't tell you which of the information requested was never used. However, my income was incorrectly assessed ( profit and dividend distribution versus payroll. I'm a self-employed business owner. ) All the communication was one way : " This is what we require. '' 2. ) The automated system had a process and order that it worked through automatically to process the information for the loan application. For me to input information for the loan evaluation in an order different from that, I had to use a back door to upload information as my portal was locked out for that information. I was later told that the information I uploaded that way would go to the evaluators, but not my profile account. I therefore had no access to that information or forms. 3. ) A set of information that the automated system sent to me for signature included providing my account information for automated payments. It was made to appear that this was required to proceed through the automated information process. It turned out later that it was not required. Since I didn't complete all the information at one sitting, I had to upload forms through the back door to complete. When I discovered I didn't have to provide that information ( and I didn't want to pay that way or give out my account information ), I was not able to delete that form as it was not accessible on my profile. 4. ) I was told the supervisor would contact me several times. That never happened. ( Exhibit A below. ) 5. ) For six weeks, I discussed the loan at a rate of 2.266 APR. On XXXX XXXX, an APR of 2.237 was assessed. In conversation with my agent, on XXXX XXXX, I gave permission to proceed with the loan process based on that APR. On XXXX XXXX -- the day after she called me to get permission to proceed, the rate was changed to 3.365 APR ( rate for an investment ). I immediately withdrew my permission to proceed, but I was charged for an appraisal XXXX XXXX. The appraisal should go to the buyer. I never received it. 6. ) The rate was changed to an investment rate for reasons that were not explained to me. I don't know what algorithm was used to determine it, but it is not appropriate for the change in family situations that has come with the pandemic. The property was going to be lived in by me and my family. I sent a dispute letter for the rate change that was never responded to directly. 7. ) The only response I got, which again was never explained, was a Statement of Credit Denial in the mail, determined XXXX XXXX. The reasons checked were : " Excessive Obligations in Relation to Income '' ( which is incorrect based on incorrectly characterizing my income ) and " Property use does not meet occupancy requirements. '' 8. ) Several weeks later I received my credit card statement with a {$510.00} charge for the appraisal. No appraisal was delivered to myself, the previous owner, or the settlement company. 9. ) I contacted the Navy Federal Credit Union about this charge XX/XX/21 at XXXX. After 30 minutes of engaging, no one was available to talk with me. I was told a supervisor would get in touch with me. I have requested all my PII information be removed from the loan site. Switching up the rate after six weeks three weeks before the settlement date has a name. It's called bait and switch, an unethical tactic. Using an automated system to imply that compliance is necessary ( to get through an impersonal system ) for PII ( highly personal, secure information ) is unethical. Not responding to requests to work through issues and problems is at least unprofessional. One-way communication ( they request information, I can't request information ) is problematic in any proposed business relationship. | ||||||
| 01/11/2022 | Yes |
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Web | Servicemember |
| On or about XX/XX/XXXX, I reported a fraud claim in the amount of {$15000.00} due to ( approximately 75 ) fraudulent charges occurring on multiple days by multiple payee/company dating back to XX/XX/XXXX ( Per the bank representative, fraudulent charges that could be claimed by phone had to be within 90 days of the claim date. ) The claim was broken up into 3 different claims ( by the bank for an unknown reason ) and added up to a total of {$15000.00} ( claim # 1 - {$13000.00}, claim # 2 - {$750.00}, claim # 3 - {$880.00} ). After the investigation, I received notification that all three claims were denied with the only explanation of no error has occurred ( Attachment 1 ), and provisional credits issued for claims # 2 & # 3 would be reversed ( no provisional credit was granted for claim # 1 ). After ( 6+ ) hours of ( approximately 6 weeks of accumulated phone calls and messaging ) efforts to attempt to exercise my consumer rights in obtaining the documentation used in the decision of the claim. I was provided the below overview of reasons from NFCU to identify why the claim was denied. Per Bank Statements and Debit Card History, multiple valid transactions were completed with same merchants listed on the claim. Several transactions not reported as fraudulent were completed with other merchants in the location of XXXX. Members known mobile device was shown accessing his account before, during, and/or, after the reported fraudulent activity. Since before the receipt of the message, I had made a vast number of attempts to reach out to the investigator team to discuss the claim denial response for a better understanding and to provide additional information ( for an appeal ) as applicable. [ Without the further discussion, there is reason to believe that some of the information is not being considered and or reviewed to entirety. This is inferred from the multiple messages received with repeated information, and the claim amounts not matching. Also, the reasoning for the claim denial is inaccurate. ] All attempts ( multiple phone calls, secured messages from member account, urgent messages from the Navy Fraud team, escalation team, supervisor/management, and resolution specialist ) have been unproductive and unanswered. In the meantime, in efforts to have a continued information flow ( vs. a stagnant case ), I have made assumptions and speculations on the detailed reasoning for denial and provided the below response of information to the bank team : All charges ( both filed claim ( s ) and charges pre-dating the claim ) were fraudulent. Claims for the pre-dated charges were placed at a later date. o 81 % ( {$12.00}, XXXX ) of the charges were conducted by a single payee/company. All of these charges were confined to the initial claim filed midXXXX and occurred between ( XX/XX/XXXX and XX/XX/XXXX ) Members info was updated by the member upon relocation/move conducted in XX/XX/XXXX. Upon further review of bank account information, the members address was updated, but the phone number was inaccurate. A premature appeal was submitted, and a second denial was received. In efforts to not continue the inefficient loop, I have requested additional information and a call from a member from the investigation team that can provide detailed information ( which transactions are being referenced in both the completed transactions and additional transactions completed in the location of the XXXX? In what way was the member contacted for the notifications of suspicious activity? Etc. ) The below is a log of recent ( December 27-January 11 ) attempts to NFCU to discuss this matter. Each phone call has identified the status of the processing and/or denial of the appeal and additional efforts by NFCU representatives to reach out to the investigation team with no response. XX/XX/XXXX 52 minutes XX/XX/XXXX 48 minutes XX/XX/XXXX 1 hour 34 minutes XX/XX/XXXX 1 hour 51 minutes XX/XX/XXXX 45 minutes In addition, throughout the process ( XX/XX/XXXX & XX/XX/XXXX ), there were ( 2 ) additional fraudulent charges ( {$96.00} and {$72.00} ) incurred on the same account from the same single ( 81 % ) payee/company mentioned above using the same debit card. These charges were reported immediately upon posting, and a claim was filed for each resulting in two additional claim denials. Considerations : Once the fraudulent charges were discovered, the member immediately reported the activity, which is in alignment with the NFCU requirements of reporting a fraudulent claim. NFCU did not notify the member of suspicious account activity through secured XXXX or email as identified by their protocol. Fraud charges that pre-dated the claim were minor ( 24 transactions totaling {$200.00} over four months ) and undetected by the member. | ||||||
| 01/31/2020 | Yes |
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Web | Servicemember |
| I bank with Navy Federal Credit Union On the XXXX of XX/XX/XXXX an unknown person who used the account under XXXX XXXX XXXX hacked into my Navy Federal Account. Immediately following I received a notification of the log in and the payee changes that this person had made. I took action and deleted the payee, changed my password to my account and changed my security questions as well. Being as the individual took no money, I took no other actions as I saw no reason to contact the bank about something they notified me about. Unknown to me this individual applied for a loan of XXXX dollars. The weekend passed with no issues until the following Monday XXXX of XX/XX/XXXX when I tried to access my account and use my debit card I was prompted to call Navy Federal. A woman from the security department whom has not been identified to me by Navy Federal began to ask multiple questions about my account. She asked if I gave my information to anyone to which I said No. She asked If I knew anything about a loan which I said No she than proceeded to tell me I provided false information and my account is being blocked, my accounts closed, debit cards shut off, and online access revoked. She told me that they could see when I logged in and the other person logged in and believed I knew what that person was doing and that I knew who they were. I told her I have no clue who this person is or had no idea about a loan she said if you want to keep with the story that you dont know anything you can submit a fraud claim, but if they can see what she sees the claim will be denied I asked her what she sees she said she can not tell me as I could possibly not be the owner of the account. That same day I went to Navy Federal to submit the Fraud Claim. We were helped and given a fax date that showed we faxed in that claim. I stated to members that my credit isnt even good enough to get a loan so trying to take out a loan wouldnt even be possible so why would I try it That is when I found out the amount the person applied for Which was XXXX . I was told I should get an answer around 10 business days. When my next paycheck was in my account roughly near the XXXX of XX/XX/XXXX I went in to transfer the money and I was told that it didnt look like any action was taken or it was denied so I got an appeal paper to fill out and send into the bank. XX/XX/XXXX I go into the bank as my access is still revoked to transfer money so I can pay bills and try to get diapers for my newborn. I submit the appeal and am told by a member that my fraud claim had not even been looked at yet. I submitted the appeal but was not given fax proof it was received. The lady told me it should take 15 days to get a response for the appeal. I was sent on my way with again no information and Navy Federal not looking into my account or claims of innocence. Following this visit I get Credit Bureau Reports stating my 6 1/2 year account with Navy Federal had been closed and written off and I took a huge loss of 50 points each of the credit bureaus. Fast forward to XX/XX/XXXX I called into Navy Federal to see the status of everything and was told the day prior to the XXXX of XXXX the bank denied my fraud claim and sent me a letter in the mail. So I go back into the bank to try to check the status of everything as well as transfer money so I can pay bills and buy diapers. I sat down with a member and the vice manager and went over how to remedy the situation and get my accounts back and expressed I am not trying to run away and go to another bank I just want to report the wrongful treatment of myself and the improper investigation into my claims and get my access back. Despite the members stating they agree I am not being treated correctly they stated the security department acts on their own as their own entity of Navy Federal and will not share information with the members or me. Later that day I received a call from the Navy Federal Employee I met with at the bank and he stated that the security department told him that they would most likely deny my appeal as no new evidence proving my innocence or lack of involvement was produced. A bank can not do all this unless it has good grounds to suspect that I acted negligent or acted fraudulently. The use of the login is not " evidence of negligence in itself. On top of that the Bank didnt show me in any way they proved I acted fraudulently or because I deliberately, or with " gross negligence '', failed to protect the details of my card, PIN or password in a way that allowed this to happen. The basis of login times is Navy Federals claim I conspired to commit fraud and have cost me time, money, Hard Credit pulls as well as Several years worth of credit and credit points lost. | ||||||
| 03/07/2019 | Yes |
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| I have am a member of Navy Federal Credit Union ( NFCU ) for almost 3 years, and am very disappointed on the unconscionable treatment, abuse, bullying tactics, and misleading and coerced banking practices I have experienced by NFCU Malfeasance regarding auto loan refinanced process. On XX/XX/XXXX I received a refinance auto loan from NFCU. The payoff with XXXX XXXX XXXX ( XXXX ) was not successful. NFCU loan Specialist contacted XXXX to get payoff amount. XXXX threatened that the payoff check would not be enough if it did not include per diem and fees including mailing time. The NFCU/Bank Manager at the XXXX XXXX, XXXX, NC assisted the Loan Specialist and deposited the refinance check {$7100.00} into my savings account and directed me to withdraw a cashier check {$7200.00} dated XX/XX/XXXX for payoff to XXXX. I did as I was instructed by NFCU /Bank Manager . On Thursday XX/XX/XXXX I contacted XXXX and NFCU on the same call. XXXX Supervisor/XXXX stated that XXXX never received a payoff cashier check and must have got lost in the mail we don't have it and NFCU Supervisor Resolution/XXXX stated she will look into it. XXXX stated will if we are to blame the extra fees and charges will be waived, I have to go and hung up. XXXX stated she could not locate it and I will have to go to my branch and get a replacement cashier payoff check for XXXX. On XX/XX/XXXX I go to NFCU and was stopped by NFCU/Loan Specialist putting me under extreme pressure and under duress to sign a declaration of loss or my auto refinanced loan would be denied stated after you sign the funds for XXXX payoff funds will sent directly to your savings account. If you don't sign the declaration of loss the funds will not, besides the initial cashier check {$7200.00} dated XX/XX/XXXX has a stop payment and cancel and can not be cashed you do not have anything to worry about just sign the bank is closing and had me come back tomorrow. On XX/XX/XXXX I returned to the NFCU following XXXX and Loan Specialist I withdrew the cashier check {$7200.00} from my savings account payable to XXXX XXXX XXXX and mailed it. On XX/XX/XXXX I contacted XXXX and confirmed by XXXX Supervisor/XXXX XXXX that XXXX was in possession of ( 2 ) cashier checks and already cashed the replacement cashier check {$7200.00} dated XX/XX/XXXX and XXXX found and located the initial cashier check {$7200.00} having XXXX in possession of both. However, your account has accumulated more fees and replacement cashier check don't cover enough for XXXX payment is due so without this your account is paid in full. So you need to a letter from NFCU with their letter head giving us ( XXXX ) authorization to cash the initial check we found. On XX/XX/XXXX I contacted NFCU/XXXX and expressed what XXXX/XXXX stated. NFCU/XXXX confirms NFCU is aware that XXXX received and cashed both cashier checks {$7200.00} on XX/XX/XXXX and Force-Paid cashed {$7200.00} on XX/XX/XXXX making total of {$14000.00}. Again I contacted XXXX/XXXX XXXX and NFCU /XXXX all on conference call after XXXX confirming and agreeing to mail reimbursement check to NFCU P.O. Box. It appeared everything was good. On XX/XX/XXXX NFCU has deliberately turn my accounts upside down. By putting a negative $ XXXX against my savings draining over {$2100.00} into a bogus over draft/frozen account. I contacted NFCU and was humiliated, and told I'm sorry but until NFCU gets their money back my accounts are going to stay upside down. I was emotionally distraught and asked can I talk to somebody to fix this financial tragedy. For months I been sending emails and phone calls all the way up NFCU corporate office to no prevail. NFCU needs to be held accountable and investigated they was fully aware that XXXX was in possession of both cashier checks. And still persecuted me and freezed/overdraft my accounts this is financial bullying and abuse of power, such brute tactics need not to go unchecked and stop. ( See Attachment Documents that Support complaint ) .On XX/XX/XXXX I contacted NFCU checking my accounts are fixed I spoke to NFCU/XXXX whom confirmed that NFCU on XX/XX/XXXX received the reimbursement check from XXXX {$7200.00} and sent it back. I was not given any written notice or my savings and checking account unfrozen or released from hostage. NFCU refuses to correct this matter even after getting their money back continue to cause turmoil against me/consumer and member. To this date XX/XX/XXXX I still do not have access to my personal funds over {$2100.00}. And NFCU continue to patronize, humiliate, ignore stone wall all my reasonable requests of getting access. These unconscionable actions needs to be investigated and Navy Federal Credit Union and its Executive staff that supports such actions need to be investigated. | ||||||
| 11/18/2023 | Yes |
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| On XX/XX/XXXX, I received this Garnishment Notification : " Navy Federal received legal notice of CHILD SUPPORT ORDER in the amount of {$24000.00}. If you don't have the funds necessary to cover this amount, your account will be frozen immediately. To resolve this matter, contact CALIFORNIA DEPARTMENT OF CHILD SUPPORT SERVICES at XXXX and reference case number XXXX. '' I contacted both parties and informed them that this had to be a situation of fraud and requested they both do a thorough investigation before proceeding with assisting with fraud, identify theft, securities fraud, breach of fiduciary duties and tort violations against me by high jacking my funds. I never got a call back from either party, only an email : " {$7900.00} was withdrawn from your XXXX XXXX account ending in XXXX on XX/XX/XXXX. '' This left me with {$0.00} to my name. Then had the nerve to notify me that next day that my account was overdrawn, and I'd be charged a fee! I immediately informed Navy Federal that an unauthorized withdrawal had wiped out my bank account. Upon transferring me to the Levy Department, I was informed that NAVY FEDERAL AUTHORIZED AND MADE THE WITHDRAWAL ON MY BEHALF based on the letter sent to them, from the California Child Support Division stating I owed them money for unpaid child support. I told them it was fraudulent, and they are in violation and asked them to return my funds. It was the middle of XXXX and XXXX season, and I need to pay my bills, rent, and use that money to complete a project that was underway and near completion. On top of that, the project was out of town, and this would immobilize me and my small business. The Navy Federal representative told me there was nothing they could do about it because I should have paid my child support. I informed them that I had never been to California and don't have any kids in or from California. I asked for the proof that was gathered from the investigation, showing this debt, lien, and levy to be valid. I was told it was valid because it came from " the government '' in the form of a letter my accounts would be frozen until the said amount was paid in full. In XXXX of XXXX, The Refund Disbursement Check was sent to the Navy Federal Corporate Office, but they returned the check and told them to send it to my personal address. I requested Navy Federal to return the funds electronically since that's how the funds were fraudulently disbursed from the start. They told me it was out of their hands, and I'd have to wait on the check to arrive and deposit it into my account. Here we have clear evidence of, but not limited to : Fraud ( constructive ) - in the sense of a court of equity, properly includes all acts, omissions, and concealments which involve a breach of legal or equitable duty, trust, or confidence justly reposed, and are injurious to another, or by which an undue and unconscientious advantage is taken of another. Malice - In the law of torts, malice means a wrongful act done intentionally, without legal justification or excuse, and with the knowledge that it will cause injury or damage to another. - In the law of libel and slander, malice means an evil intent or motive arising from spite or ill will, personal hatred or ill will, or culpable recklessness or a willful and wanton disregard of the rights and interests of the person defamed. Gross Negligence- in banking is a term that refers to the professional negligence or misconduct of a bank or a banker in their dealings with customers or clients. - A lack of care that demonstrates reckless disregard for the safety or interests of others, which is so great it appears to be a conscious violation of other peoples rights or duties. Gross negligence is a heightened degree of negligence representing an extreme departure from the ordinary standard of care. - Failing to verify the identity or the authority of the person who requests a transfer or a withdrawal from a customers account, resulting in unauthorized or fraudulent transactions. - Breaching the fiduciary duty or loyalty to the customers or clients by acting in their own interest or against the customers or clients best interest. The results of these actions led to a great season of turmoil : 1. Utilities were shut off in XX/XX/XXXX. 2. Evicted in XX/XX/XXXX. 3. Breached contract for not completing the project upon the agreed time causing me to lose what had been put into the project, ( time, travel, resources ) and final pay, which was approximately {$45000.00}, XX/XX/XXXX. 4. My fianc called off the wedding accusing me of lying, cheating, and having a child in California that I didn't tell her about, XX/XX/XXXX. 5. Ruined personal and business reputation causing loss of opportunities. | ||||||
| 07/28/2023 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX of 2023, I purchased a pair of XXXX luxury sneakers from XXXX. The shoes were marketed as authentic pair of XXXX shoes priced at {$330.00} plus {$90.00} in extra fees, for a total of {$420.00}. The shoes were shipped on XX/XX/XXXX and arrived to me a few days later. The shoes arrived absent of a size tag, within the shoe and the size, label and necessary information was ripped from the box. I questioned the authenticity and called the XXXX manufacturer. The manufacturer exclaimed that the shoes should have a 'product code ' that proves authenticity AND also the size should be listed AND whether it is a women 's shoe. I contacted the merchant and through a series of about 8 emails and photos exclaimed that I was dissatisfied with the product due to the shoe being TWICE the size of a women 's size 10 AND also the authentication markers were missing as per the manufacturer. I exchanged about 7 emails with the merchant, as they requested evidence that my claim was true. I detailed my dissatisfaction with the authenticity and also shared pictures of a women 's measured size US 10 as verification that this was not the item as described and I was unhappy with what was sent to me. The merchant finally sent an email WHILE I was away, they acknowledged fault and agreed to a refund under strict provisions that I pay more fees to return the item AND there was NO guarantee that I would receive a refund EVEN if I sent the merchandise back and had not followed a series of rules about the time frame AND also reporting a tracking number and emailing details to them. I was uncertain that I would receive a FULL refund for the counterfeit item without encountering addiitional FEES, so I involved my card company. The merchant agreed to the faulty merchandise, asked me to resend within 48 hours ( I was away ) and also mentioned NOT giving a refund had I not met their demands. I am happy to return WITH a guarantee of a refund. I called into NAVY FEDERAL to ask what should I do, I was told to try and settle the matter with the merchant. After so many emails, I decided to go into NAVY FEDERAL credit Union to dispute my claim and submit 8 pages of evidence. I was originally told i could not be seen by an employee EVEN while the telephonic process was ineffective. Later a manager called me to apologize for the fact that I had to return at a later date due to be denied service on a Friday. She exclaimed that they usually only service mortgages in the bank. I went in person ALSO because I was asked to upload the documents and the site didn't offer enough room for upload. Even after I visited the bank, submitted the paperwork through an associate the still failed to acknowledge receipt of my claim. They did NOT offer a temporary credit on the account and claimed they NEVER received the 8 page document of emails sent in my presence. Later I uploaded the documents and exclaimed my dissatisfaction with the product sent to me and how it had not met the standards described in the original agreement between self and merchant. Navy took two weeks, without further contact with me and closed the dispute with this reply " " We investigated your {$420.00} credit card claim against XXXX and didn't find an error based on : There was not enough supporting documentation or evidence to move forward in the dispute process. Please provide details regarding the return : shipping company used to return the merchandise and the return tracking number. '' As of the date of this notification, we closed your claim. '' I submitted documentation and pictures showing that this shoe was NOT a women 's size 10, the authentication labels had been removed from the shoebox, there was no size inside the shoe, and that the originally manufacturer stated that this shoe in order to check for counterfeit MUST have a product code for authentication purposes. After asking NAVY to investigate properly and consider the photos and merchants acceptance of wrong doing they closed my case without fully holding the merchant accountable for sending subpar goods that did not match the advertised product and failed to meet the standard set forth by the original manufacturer. The merchant did not prove that the item was otherwise counterfeit as it did not display the authenticity the product manufacturer described. I would like a full refund and I can return with the garneted that the merchant will not make picayune reasons why I am not entitled to a full refund for an item that is NOT a women 's sized 10 shoe as advertised. XXXX has a strict rule against counterfeit items purchased online and NAVY failed to investigate and rectify the matter fully and with diligence, simply dismissing my case without a full scope investigation | ||||||
| 09/12/2022 | Yes |
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Web | Older American, Servicemember |
| Navy Federal Credit Union Rewards Credit Card Fraud event XX/XX/XXXX I received email from NFCU confiming the redemption of XXXX reward points for XXXX {$500.00} XXXX XXXX gift cards. Copy attached. Email showed Order number XXXX followed by XXXX XXXX XXXX XXXX The name and phone numbers are correct for my wife. Email is not. NFCU has my wifes email on file. I thought it was just another phish scam email due to the hokey email address. Same day I forwarded this email to XXXX I then checked my account and saw that the transactions actually went through. XX/XX/XXXX I called and reported this to NFCU at phone number on card. My wife and I have separate cards tied to the same credit card account. I was told that my wifes account was hacked. They needed to talk to her. She was told the problem was with her on line banking and she should check her transactions, change passwords and get a new card. She identified a few XXXX transactions she didnt recognize and they were flagged. Upon review she was able to identify these charges as legitimate and they were delisted. XX/XX/XXXX thru XX/XX/XXXX I called NFCU about once a week, Id estimate at least XXXX calls from XXXX or I. Each call I asked when would we get our points back. Each time I was advised of a task that needed to be accomplished, and assured that after completing that task our issue should be resolved in 2 to 5 business days. Actions we needed to complete included : - They needed to talk to XXXX and have her restate the issue. She called in and cleared issue. - I was told the case was still held up waiting on XXXX. On closer review rep said that the notes on the case were out of order. She saw that XXXX had responded and would clear it and issue would be resolved. - I asked to speak with supervisor. I was on hold for 20 minutes after the 30 minute call and hung up. - I was told that the problem was that I hadnt closed my account and been issued new card. I was never told to do this before, so I did it. XX/XX/XXXX I called again and got to a supervisor ( XXXX ). She told me that the problem was no one had talked to the Rewards Department yet, and that only she, a supervisor was able to do this. I was on hold for about 25 minutes while she got through to Rewards, and then got back to me that my points should be restored in 2 to 3 business days. XX/XX/XXXX I called for an update. The person I talked to brought up the case and asked me if my wife, XXXX XXXX had called in 2 days ago and asked for a digital account and gift card for our daughter. She asked if I had a daughter named XXXX or some other name not remotely like my daughter XXXX. I said no. She said something is really wrong. That the fraudster was back at it. She had to talk to her supervisor and would immediately cancel our cards. After about XXXX minutes she got back to me. She said there was a mistake, no new activity, and she had a Supervisor on the line to talk to me. The supervisor explained that the call the rep thought was 2 days ago actually was the original fraud event on XX/XX/XXXX. The Rewards department had determined that it was my wife who made the call and redeemed our points for XXXX {$500.00} XXXX XXXX gift cards to be emailed to our daughter at XXXX. So our points would not be restored to our account. Ive been a member of NFCU for over 50 years, my wife XXXX over 30 years, and my daughter XXXX for over 20 years. NFCU has all our email addresses on file. NFCU is telling us we are lying, that XXXX made that call, and XXXX got the reward points. NFCU is wrong. Perhaps an NFCU employee stole the points? Did they review the call? NFCU was negligent in giving our points to a fraudster. NFCU needs to restore points to our account. Copy of XX/XX/XXXX email advising me of point redemption. -- -- -- -- Original message -- -- -- -- From : XXXX Date : XX/XX/XXXX XXXX PM ( XXXX ) To : XXXX Cc : XXXX Subject : Navy Federal Rewards Redemption Confirmation Successful Redemption! Your order number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virtual Gift Card View Code XXXX Qty : XXXX |Card Type : Virtual |Denomination : {$500.00} Delivery Email : XXXX XXXX XXXX Virtual Gift Card View Code XXXX Qty : XXXX |Card Type : Virtual |Denomination : {$500.00} Delivery Email : XXXX Your total order cost : XXXX Feel free to call us XXXX help and questions. Redemption transactions are non-refundable/non-changeable/non-transferable. Gift Cards will arrive within 7-10 business days, unless expedited shipping was requested. Virtual Gift Cards are available within 24 hours and can be accessed through your Redemption Activity. Lost, stolen or otherwise destroyed Gift Cards can not be replaced. Merchandise will be delivered within 4-6 weeks. | ||||||
| 10/17/2022 | Yes |
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Web | |
| My Name is XXXX XXXX XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX FL. On XX/XX/2022 I was provided what I believed to be accurate wire instructions intended for use in the sending of closing costs for the purchase of my new home. I am aware closing costs are typically wired at closing, however with Hurrican Ian impacting my town on the day I recieved these instructions, I believed there to be an urgency in getting the money sent ahead of the storm. It should be noted, my scheduled closing date was Friday, XX/XX/2022. I initiated a wire transfer in the amount of {$15000.00} on Wednesday, XX/XX/2022 via XXXX Online Banking, around XXXX XXXX. I promptly lost power, data and cellular service as a result of the storm. On Friday, XX/XX/XXXX I was able to recieve an email from what I believed to be my closing agent asking where the funds were. I called my closing agent directly and was informed the instructions had not been sent by them. I promptly engaged XXXXXXXX XXXX and was advised that the team I needed ( Wire Investigations Team ) could only be contacted via the Secure Message Center ( SMC ) in XXXX Online Banking. Based on this information, I reached out to said team via the XXXX. On Saturday, XX/XX/XXXX, I recieved a response from the XXXX XXXX Investigations Team ( via the XXXX ) confirming the details of the wire and requesting my conscent to recall that wire. My conscent was provided. On Thursday, XX/XX/XXXX, I recieved a follow up message from the same team via the XXXX stating that the recieving bank ( Navy Federal Credit Union ) had flagged the transfer as suspicious and that the funds had not yet been released to the recipient account. Furthermore, the XXXX XXXX Investigations Representative advised that I could visit a local banking center and work with a Banking Center Manager to submit a Hold Harmless Letter ( HHL ) to Navy Federal Credit Union so that the funds could be returned. As this was recieved after business hours, I set out to visit a local branch on Friday XX/XX/XXXX. The Banking Center Manager was not familiar with the requested HHL and spent the next 3 hours on the phone with her internal support teams. Eventually she was able to reach a teammate that was familiar with the HHL. This teammate advised that the form was no longer used HHLs at XXXX and when it was in use, its intent was to cover bank employee errors and not intended for client use. In an attempt to assist, the XXXX Banking Center Manager reached out to Navy Federal Credit Union ( NFCU ) on an internal line. She explained the situation to a representative of NFCU - that the wire was submitted via fraudulent means, that she had issued a recall and that the funds should be returned to my account. The representative from NFCU advised they would be unable to return the funds without an HHL, to which the XXXX representative advised that her institution no longer supported/issued these forms. NFCU advised there was no plan b, and when asked what would happen to the funds, the NFCU representative advised they were not at liberty to disclose nor should I ( as the client ) have been made aware that the funds were not yet released. The XXXX Banking Center Manager apologized profusely for the situation and filed a formal complaint on my behalf. On XX/XX/2022 My legal counsel sent a letter to NFCU requesting the immediate return of the funds. To date NFCU has not replied to the letter from my attorney. In the interim I attempted to engage XXXX 's Wire Investigations Team via the Secure Message Center. My initial note was responded to within XXXX hours. I have engage them now 3 times requesting an update and have each time recieved automated responses advising me that a response would be recieved within XXXX business days. My complaint is two-fold. Complaint One : The fact that XXXX Bank 's Wire Investigations Team is only availible via Secure Message Center is unacceptable. When it comes to fraudulent wire transfers, or any fradulent activity for that matter, all actions to investigate and potentially recall funds is time sensitive. Clients should not have to submit a message, recieve an auto response and wait XXXX hours ( or XXXX business days ) to be contacted by a representative. Submitting a claim against fraudulent activity is my right as a client, and XXXX limiting my ability to file a claim in a timely manner is unacceptable. Complaint 2 : Navy Federal Credit Union has now been advised by myself, my banking institution and my attorney that the transfer was sent by fraudulent means and should be returned to my account. NFCU themselves flagged the transaction as suspicious. The fact that the funds have not been returned to my account is not acceptable | ||||||
| 01/31/2023 | Yes |
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Web | Servicemember |
| I am a current XXXX at XXXX XXXX XXXX ( XXXX XXXX Texas ). I received an Email through my school. All emails through the school are typically approved and this one did not have any flags regarding spam messaging. The email was inquiring about a part time position as a personal assistant. Seemed weird but i was able to look up the company and the gentleman. the emailed had me fill out a XXXX docs form with my personal email address, my school email address, and my phone number. XXXX XXXX with XXXX XXXX ( XXXX ). The business seemed legit and i had no reason not to trust them since the school also approved it and the business and name were easily found on XXXX ( first to pop up after search ). I received the first message regarding this job on XX/XX/2023. A " XXXX XXXX XXXX '' Texted me using the number ( XXXX ) XXXX. He simply asked if I would like more information and that was it. ( i have the text messages saved ). On Thursday XX/XX/2023, XXXX XXXX me using the number ( XXXX ) XXXX. I again have all text messages saved. He then emailed me under the name XXXX XXXX using the email address " XXXX ''. The email listed " job duties '' and asked for some personal information such as my address and my number. As well as asking what bank i used ( i did not give out any routing numbers or account numbers ). After he emailed me he asked if i was ready to start, i said sure. He proceeded to send me a check via text message in the amount of {$950.00} ( USD of course ). This check was from XXXX, check number XXXX, From XXXX XXXX XXXX, XXXX ( address on check is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CO XXXX ) with the number at the bottom being XXXX. I wasn't concerned as i have never seen this before but the check was as legit as it could be. HE asked me to deposit it and so i did. After waiting he wanted me to XXXX {$220.00} to a " $ XXXXXXXX ( XXXX XXXX ) in the name of " XXXX XXXX ''. After that failed to go through on Saturday XX/XX/2023. He asked me to XXXX it through my bank account. I mentioned i was uncomfortable with it and asked if i could just return the money he sent me to him and part ways. I callled navy federal Friday XX/XX/2023 at approx. XXXX XXXX after i got off work and asked for them to cancel the check and not deposit it, they denied my request and told me " check you account and only call if something bad happens ''. something bad indeed happened. He told me there was no reason to be worried as " is 100 % legit and it was approved by the school. '' so i went ahead and did as he asked since he wouldn't accept his money to be returned. I made XXXX XXXX transactions with his money. The first was a transaction of {$220.00} to " XXXX XXXX '' ( XXXX, Payment ID : XXXX, Confirmation number : XXXX ). The second was a transaction of {$670.00} to XXXX XXXX ( XXXX, payment ID : XXXX, Confirmation Number : XXXX ). These were both separately approved respectively by Navy federal credit union the same day. This totaled to {$900.00} USD, leaving {$50.00} left over from the original {$950.00} that was sent to me. He asked me to keep it as my payment for completing the tasks. I left it in my savings account and did not touch it. I woke up today ( XX/XX/2023 ) to see that my account was - {$910.00}. I immediately called the bank and asked what happened, i explained the situation however all they told me was they waived a {$15.00} dollar fee for the check return as the check i was sent bounced and {$950.00} was taken out of my account plus the {$15.00} return fee i was charged ( which was returned to me ). the bank said i was screwed and could do nothing for me even though i warned them about this on friday when i called asking to cancel the check deposit and they denied me that as well. So i was no protected by my bank after i was concerned and asked to cancel the deposit and then the bank could not help me other than waiving the fee they charged me when the {$950.00} got taken out ( a total of {$970.00} including the fee ). the bank told me to call XXXX and simply ask for my money back. I then called the number of " XXXX '' and he has me blocked so i could not reach him. I then called the bank again after they told me to if he was not reachable. The bank told me to file a police report so i called the XXXX XXXX Police Station and informed them of the situation. I was directed to file an online report with the FBI. I did email the president of XXXX XXXX XXXX XXXX XXXX. I summarized the situation and requested his help and an answer as to why this was approved by the school. I filed a fraud complaint with XXXX at XXXX through the university website ( key number for file is XXXX ). I am about to call the schools police department and expend my last options possible. | ||||||
| 11/20/2017 | Yes |
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Web | Servicemember |
| This is the third complaint im Filing with the CFPB regarding this matter. For the first response Navy Federal denied that the phone calls were recorded. The second complaint Navy Federal admitted they spoke to someone other than me and even gave description of the phone call. If it wasnt recorded how did whoever resonded to the second complaint even know the details of the phone call if it wasnt recorded. And they still havent addressed the issue of my financial information being improperly shared with someone who was n't me. On XX/XX/XXXX a Navy Federal employee called my parents home phone number ( XXXX ) XXXX ; this number was not listed by me on my banking profile. ( I was advised by another Navy Federal Employee that NFCU uses a tracer software to find phone numbers associated with customers who do not respond to NFCU phone calls ). On the phone call that took place on XX/XX/XXXX on ( my parents land line ) the Navy Federal associate asks to speak to me ( XXXX XXXX ). My father was a XXXX patient at the time and was going through a rough XXXX session, which impaired his hearing ; he misheard the associate, and obliviously said " yes this is me ''. The Navy Federal associate then goes on and reveals my entire finances involved with the bank to my father. XXXX The amount of the loan I have, the type of loan I have, How many monthly payments I am behind, the total amount of the deliquency, and how much my monthly payments are. The problem here is, on outgoing calls made by NFCU, they do n't have a policy that confirms the recipient of the phone call is actually the person they are trying to reach out to i.e social, birthday, secret question/answer, secret passcode or anything. Whatever number they find and decide to call from the tracer app, the recipient just has to confirm " Yes, this is ___ speaking ''. I understand that policy, but where is NFCU due diligence? Their employees should be trained to know when someone falsly states they are someone else. I mean come on, you do n't think I would know the type of loan, the amount of the loan, and how much my monthly payments are, that should ring a bell. My father confused, thinking this was for him kept asking her questions to get to the bottom of it, and the NFCU associate kept answering every single one of this questions. That is extremly troubling, because this puts my financial information and other senstive imformation completely exposed and at the mercy of NFCU non-existent and weak policy on outbound calls. Luckily ( for NFCU ) it was my father, and not an outsider. Regardless, I did not want him to have an idea about this debt, as I knew it would stress him out, and that is the single WORST thing for a XXXX patient. As I anticipated my father fell even more ill because of this. This soured my relationship with my household, as my dads medical bills started piling up. I reached out to Navy Federal regarding this matter on several different occasions, via several diff modes of communication. The first email i sent regarding this matter was not even replied to! Noone from NFCU reached out to me regarding this issue which is extremely concerning. I reach out to them again a couple of weeks later, via phone and social media and ultimately NFCU associates were completely unapologetic and offered me no source of compensation, not even a " we are sorry '' They claim that the phone call mentioned above was never recorded ; how convenient is that? How many outbound calls that are in collections are rocorded? My guess is the dirty business of collections does n't record any outbound collections calls, and record calls that would benefit the company. They stripped me of my right as an American Citizen to financial freedom, and privacy. I served this country for over 8 years and continue to serve. For what? so XXXX dollar banking animals NFCU leak my sensitive information? Luckily ( for me ) the entire phone call was recorded on my parents answering machine for some odd technical issue. I have a top secret security clearance and work with extremely classified information. At the rate the the NFCU associate was going, she would have no problem telling the recipient of that phone call ( my father ), all of my sensitive data. This puts not only strips me of my financial privacy but also puts my well being at risk. The funny thing is 2 weeks prior to this incidence i called Navy federal to bring all my accounts current, and again due to their internal error my forbearance for one of the loans was not correctly processed. I was under the impression that it was. Instead of calling my cell phone and notifying me ( the only number I listed on their system ) they would call my parents home phone over 7 times a day. | ||||||
| 08/07/2023 | Yes |
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Web | |
| The complaint is on Navy federals negligence, lack of communication and not providing disclosure on fees rolled into the loan at the start of the loan process. Summary : My husband and myself started our loan process with navy federal as of XX/XX/XXXXXXXX We were assigned Loan Officer XXXX XXXX on or around XX/XX/XXXX, with little to no communication from her, she did not disclose any fees that would be added to the total of the Homebuyers conventional loan we applied for Suddenly on XX/XX/XXXX our loan was assigned to officer XXXX XXXX. XXXX and I spoke on XX/XX/XXXX and nowhere within that conversation did she mention to me the fees that would be applied to our loan total and nor did she mention that she would be out of the office from XX/XX/XXXXXXXX to XXXX I did advise XXXX that as of that weekend we were going to be viewing a home that we potentially be putting an offer in on, she said if we needed her we could speak with her that following Monday XX/XX/XXXX because she is off over the weekend. Again, no where did she mention she would be off on PTO. We placed in an offer on the home of interest as of Saturday XXXX, confidently knowing we could speak to our loan officer on XXXX, to our surprise XXXX was unavailable, and when we spoke to customer service they were unable to assist us with pre approval letter updates ( even though XXXX said they would be able to assist in the event she was ever unavailable ). During her absence our case was not reassigned to another Loan Officer which caused even further delays. When we finally were able to speak with XXXX on XXXX, she called me ( one time and only one time ) to go over our closing cost and mortgage estimate. She advised that when I called her back to go over if we would like to lock the rate in or not that she would be available. I called her back on XXXX, and emailed her with no response. It wasnt until my husband called her right after I called that we were finally able to get ahold of her ( she didnt have his number saved to her work cell ), I was able to call her after they spoke and escalated to her supervisor due to XXXX poor communication. I spoke to XXXX XXXX on XX/XX/XXXX and she apologized for the experience and after I requested, she provided us a 50 % discount on the appraisal fee, I requested a credit off of our overall loan but was denied even though she acknowledged we were not advised of the fee that was applied to the overall loan. We were then re assigned to a rep II loan officer XXXX XXXX. She called us on XX/XX/XXXX and broke down the estimate and fees to us, we emailed, called and texted with XXXX but we still came up with more roadblocks on communication with XXXX and with our processer XXXX XXXXXXXX. We were scheduled to close XXXX, we were told up until XXXX that we would meet the XXXX closing date. It wasnt until XXXX ( just 3 days from closing ) that we were advised by XXXX and XXXX that they wouldnt be able to meet the XXXX deadline. This was due to even more poor communication with navy federal, they advised myself and my realtor that we will not close till XXXX. They originally reproposed our new closing date to be XX/XX/XXXX but after countless calls, text, emails ( including a email from the sellers relator threating to pull the contract and sue us the buyer for not being able to uphold our end of the contract ) and escalating in the field/loan officer dept and in the processing department they changed it to XX/XX/XXXX. Supposed processer Supervisor XXXX XXXX and his indirect supervisor XXXX XXXX were able to get the sup in underwriting to process the request today for closing on XXXX. My husband and I are now having to request another PTO day to be able to handle closing even though it could have easily been completed today but due to Navy federal missing countless deadlines and having poor communication with us and the realtors we now have to push it to XXXX. The team applied adjustments toward appraisal fee and credit report fee but now I request due to the negligence of advising/disclosing the fee that is applied to the total of our loan, that should also be waived in full and taken off the total of our loan. The fact that I dont even know the name of the fee that was applied to the loan should tell you that the loan team did a POOR job in communicating what that fee is, I know names of reps/sups, dates and departments in navy federal due to the countless times Ive had to speak with them over our loan but somehow someway I do not know the name or info of the XXXX fee they applied to our loan. I need resolution and I need it ASAP. My husband and I will consider legal action if an appropriate resolution is not provided by navy federal. | ||||||
| 02/23/2022 | Yes |
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Web | Servicemember |
| I have consistently been denied benefits and services provided to other members at Navy Federal Credit Union ( NFCU ) .NFCU breached a contractual agreement of assisting with hardships on my credit card account in XXXX while XXXX to XXXX. I paid credit card and auto loan interest above the mandated 6 % for servicemembers. I paid the hardship coverage interest on my account as mandated. I say mandated because I did not have an option in XXXX or XXXX when they added that service to my credit card. In the last conversation I had with a representative/supervisor on or about XX/XX/XXXX, I informed them of issues of being denied services, not having access to programs, and the illegal withdrawal of the {$5.00} to open my account. For transparency, I have recorded all of my interactions with NFCU supervisors and staff. The lack of support and proof of denied services are all recorded. I informed NFCU, I have NEVER signed nor received any information informing me that my membership access or services would be restricted. The actual breach of a contractual agreement by NFCU is being ignored. NFCU denies my allegations of having hardship insurance on my credit card account without any proof. When I was XXXX to XXXX my ability to contact the bank was limited. Due to being in a warzone, there was never a guaranteed moment to call back to the United States. While XXXX, my ex-wife abandoned me and served me with divorce paperwork. I contacted NFCU and informed them of the hardship. A representative from NFCU told me to contact another company. I can not recall the company 's name at this time. When I called, I was told that assistance is not provided by that business and to get assistance through NFCU. I was sent in circles for the entire XXXX. The credit card account reached over {$10000.00} in interest because I could not get assistance from NFCU. NFCU denied me access to my account and constantly harassed me about a credit card account. NFCU wants me to generate proof. NFCU is an institution that is/has violated Federal Trade Commission guidelines and does not have a single document with my signature denying coverage or an audio recording of me denying coverage of hardship protection for my credit card account. I was never given the option to deny hardship protection. I also told them of never being informed of my benefits under SCRA through their institution. Now I am being denied the refunds on the interest on my credit cards and my loans that were rendered to others. It is possible my services are being denied because NFCU was fined by Consumer Financial Protection Bureau for denying others access to their account as well as other unethical acts on XX/XX/XXXX. The denial of Servicemember Civil Relief Act ( SCRA ) benefits is because I am 180 days out of the military. That does not refute the fact that I was on XXXX XXXX XXXXn a XXXX XXXX and this business knowingly was charging an XXXX XXXX service member roughly 28 % interest for a credit card and 7.9 % interest for an auto loan. My first XXXX to XXXX was from XX/XX/XXXX to XX/XX/XXXX. The second XXXX in XXXX was from XX/XX/XXXX to XX/XX/XXXX. NFCU did not send out pamphlets nor allowed me to have access to my account or any other services. NFCU also illegally took the initial {$5.00} to start my account to pay a Charge Off without my authorization. The fact they took the money is proven by the comment Italicized under XXXX Ending Balance. " Your share is below the minimum required by federal credit union laws. Request you increase your balance to {$5.00}. '' I'm more than certain that is illegal and is theft. I have never signed a contract to whoever NFCU paid the {$5.00}. I have a phone recording where a supervisor or a NFCU representative clearly states they took the money to pay a charge off. There is no way a lawsuit that finalized on XX/XX/XXXX against NFCU did not have a basis from the history of how NFCU treated their members from XXXX to XXXX. I recently was told I could not access my credit score on my NFCU dashboard because I don't have a credit card account. I talked to a supervisor and informed them how that appeared to be violating my civil rights and finally I received access to my credit score. Initially the supervisor gave me the excuse that I needed a credit service account. Mysteriously over the weekend it was fixed and I can access my credit score finally. They have been doing those wrong practices for a long time and no one ever challenged them. Just like when they stole the {$5.00} used to create my account. I have attached the SCRA memo and the statement showing that my account balance is {$0.00} but a note saying I need to deposit {$5.00}. | ||||||
| 12/20/2019 | Yes |
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Web | Servicemember |
| From : XXXX XXXX To : Navy Federal Overdraft Settlement Subj : NFCU OVERDRAFT SETTLEMENT My name is XXXX XXXX, and I Thank you for taking time to consider assisting me with my complaint NAVY FEDERAL CREDIT UNION on many occasion has placed ( pendings ) on atm transactions and payments we made, Although all messages I sent nfcu had been deleted from my account.The funds had already been taken out of my checking account aywhere from 4 to 7 days prior, Then after I go over my oops agreement, the same day it would go over all pending transactions would then clear costing me {$20.00} per transaction adding up to well over {$2000.00} in a period of three years.This was the first we had heard of any litigation period of three years. We received a a {$220.00} refund We messaged NFCU to find out why. We were not aware of any litigation on this matter. We were not notified that there was a case pending. We received a refund of {$220.00} but in the course of 3 years they have taken over {$2000.00} not only has it costed us over {$2000.00} in overdraft fees, but has costed us in late fees and unable to make monthly payments. And to contact Federal Overdraft Settlement at number below only get recording and I sent letter to below no response from address over 3 weeks, When I tried to read emails I had sent to nfcu or check statements, all have been deleted. on settlement nfcu agreed to was able to look at case that nfcu did not want to pursue. The legal team and nfcu agree to a XXXX XXXX dollar settlement, I am sure that many more people have the same issue, not just me, why would they have deleted my messages about the theft and any account records I have made. There is a settlement that is 35 pages, if you go to phone number below case name is Lloyd v. NAVY FEDERAL CREDIT UNION Settlement. On the settlement there was a deadline for I believe for XXXX, but how can they give a deadline and not notify us of any information about the litigation. I think I should have the right to be able to see my online statement of transaction that were deleted and messages to find out how much they really owed me. Navy Federal Response XX/XX/2019 : Thank you for using Navy Federal 's eMessaging Service, Mr. XXXX. Our records show that this deposit is a legitimate payment from the Optional Overdraft Protection Services settlement. Any other inquiries regarding this matter must be made through the Settlement Administrator. You may write to the Settlement Administrator with questions at : Navy Federal Overdraft Settlement, XXXX XXXX XXXX, XXXX, OR XXXX. You may also call the toll-free information line, XXXX. If we may assist you with questions or concerns about any other matter, please let us know. Your Message XX/XX/2019 : XX/XX/2019 SETTLEMENT Credit {$220.00} Can you tell me what above settlement was for. thank you Subject : settlement Navy Federal Response XX/XX/2019 : Thank you for your follow-up eMessage, Mr. XXXX. We regret we are unable to provide further information regarding the deposit into your account for the purposes of the Optional Overdraft Protection Service settlement Please address additional questions to the Settlement Administrator at : Navy Federal Overdraft Settlement, XXXX XXXX XXXX, XXXX, OR XXXX. You may also call the toll-free information line, XXXX. Please let us know if there are any questions regarding your other Navy Federal accounts or transactions. Your Message XX/XX/2019 : Why would you have deleted all inquiries from me about pending deposits that is not an answer from settlement, Your Message XX/XX/2019 : legitimate but not correct Navy Federal Response XX/XX/2019 : Thank you for using Navy Federal 's eMessaging Service, Mr. XXXX. In order to further assist you, please provide the dates and amounts of the transactions that were being held. We show that the amount of {$220.00} was a credit that was given to you by Navy Federal. This deposit is a legitimate payment from the Optional Overdraft Protection Services settlement. Any other inquiries regarding this matter must be made through the Settlement Administrator. You may write to the Settlement Administrator with questions at : Navy Federal Overdraft Settlement, XXXX XXXX XXXX, XXXX, OR XXXX. You may also call the toll-free information line, XXXX. If we may assist you with questions or concerns about any other matter, please let us know. Your Message XX/XX/2019 : My questions were dealing with pending transactions that were being held from 5 to 7 days, Your Message XX/XX/2019 : Can you tell me what happened to the messages I sent that was the same reason of the settlement, went to, you took a whole lot more money from me than XXXX | ||||||
| 02/19/2020 | Yes |
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| During XX/XX/2020, I applied for a home equity loan with Navy Federal Credit Union ( NFCU ). By way of background, on reviewing my credit profile, I discovered that although my XXXX and XXXX scores were good - XXXX and XXXX respectively. I also learned that there are two general factors that are negatively affecting these scores : ( 1 ) high credit card capacity utilization of 67 % and ( 2 ) approximately {$710.00} of medical collection accounts. I had no knowledge of the medical collections. In order to resolve these two issues, I discussed several loan restructure options with NFCUs loan representative. We agreed that the most sensible resolution would be to negotiate a home equity line of credit ( HELOC ) with three initial draws pay-off the open NFCU mortgage loans and the NFCU credit card and include an additional unused line of credit for possible future major home repairs. We also discussed the relatively small medical collection accounts that I was actively disputing them and had sufficient funds on deposit to fully and promptly settle any open, proven debts. The result of this restructure would solve both issues and result in a substantial improvement of my credit score by at least 50 points. My current XXXX score is XXXX very respectable. The NFCU loan representative took my complete loan application, pulled my credit report and score and rendered a rate quote, subject to verification as he explained of Prime + 1.75. We agreed that my profile was strong - long-term ( 30-year ) NFCU member with an outstanding current NFCU loan record, good credit score despite the negative aspects and a solid plan of restructure. Further, the aggregate LTV is calculated to be around 50 % - very positive equity position for NFCU. Shortly thereafter, I received an Adverse Action Notice citing the medical collection accounts ( delinquency ) and high credit card utilization and that NFCU does not grant credit on the terms requested. I challenged this by letter to NFCUs CEO, XXXX XXXX stating that the reasons for the loan denial were considered as the basis of applying for the loan in the first place and that this was known to and considered by the loan representative at the time of conditional approval and rate quote. Further, if HELOCs were no longer available as the notice provided, I asked why an application for such a loan was accepted. NFCU later confirmed that the HELOC product was available ( contradicting the Adverse Action Notice ) NFCU responded that the reason for the loan denial was a result of the credit score. That was not referenced in the Adverse Action Notice. I asked for a full and responsive explanation which has not been provided, except that I have received conflicting explanations all non-responsive. Among these explanations was the previously undisclosed and the ACTUAL reason for the denial failed FICO. When I demonstrated that the FICO score reported on NFCUs site qualified me, I was told that they relied on a different score. Then I was told that the original loan request was incorrectly set up in their system and this may have influenced the result, yet NFCU refused to make the correction. Later, NFCU invited me to contact them to discuss options that they apparently neglected to offer before ; however, then later advised that no such exceptions were available. Regarding the rate quote referenced above, I never received an a plausible explanation for the disparity between offering a quote on an otherwise declined loan application or how the loan representative used my credit profile to offer a product that was destined for declination rather than a product that would have qualified AND that I was encouraged to pursue the loan facility that was destined for declination rather than the alternative that would have been approved. NFCU did, however, admit that they failed to properly disclose the nature of their declination or, in their words, their lack of transparency I am not interested in any loan accommodation from NFCU, as the primary financial institution recommended by my brother-in-law offered me a loan facility consistent with my desires and did so within a couple days. What I do seek is an examination of NFCUs lending practices as applicable to my case in order to determine violation of applicable regulations. I understand that you are unable to advocate for me personally. Attached is a copy of my letter dated XX/XX/2020 to NFCUs CEO that gave rise to this issue. Given NFCUs conduct to me, I expect that any response to you may very well not be fully accurate or responsive. As such, I ask that I be made aware of how they respond so that I can offer a documented rebuttal. | ||||||
| 08/01/2019 | Yes |
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Web | Servicemember |
| I am a XXXX XXXX veteran, and I acquired my mortgage for my current and only home with Navy Federal Credit Union ( NFCU ) in XXXX for {$310.00}. I have lived in my home for 12 years and I am currently ill. I have been a government employee since I was XXXX years old ; eight years in the XXXX XXXX and Sixteen years as a XXXX XXXX. In XXXX, I was medically retired due to an on the job injury I received in XXXX. My life has been a financial, physical, emotional and mental struggle for since the incident ; however, I struggle to keep the only home my family and I have. Due to financial issues my credit prevents me for qualifying to utilize my VA loan and any other mortgage assistance, therefore on XX/XX/XXXX when I contacted NFCU at approximately XXXX, to make a monthly payment of {$2100.00} I was told it would not help because my home had been approved for foreclosure that very morning. I would like to request the recent telephone conversations I had with NFCU representatives be reviewed, because on XX/XX/XXXX @ XXXX, I spoke with Ms. XXXX . She informed me my account was being reviewed for foreclosure, I told her I was calling to inform NFCU that I would be making 1 payment of {$2100.00} on XX/XX/XXXX. She stated 3 payments were due totaling over $ 8K, I explained to her that I had been hospitalized in XXXX and I was having a small XXXX procedure performed on XX/XX/XXXX, so I could only make one payment and I would require a little time to get the modification package in ; I had not submitted it earlier because I was told I did not qualify until 1 year. Ms. XXXX explained a year would be in XXXX, therefore before the packet was evaluated the year would have elapsed. I asked her would I be allowed to submit the one payment of {$2100.00} on XX/XX/XXXX and she responded yes, make the payment and get the packet in. She stated if I needed one, she would mail it out to me. I explained to Ms. XXXX I was currently waiting on a response for military benefits, and I tried to sell my life insurance to catch up my mortgage because I have no 401k or savings, however my request was denied due to my age despite my XXXX XXXX. Then after borrowing additional money to pay the {$2100.00} when I called on XX/XX/XXXX at approximately XXXX XXXX to make the payment the representative Ms. XXXX had me on hold while she finished her notes on another account, only to eventually inform me I was required to pay the entire $ 8k plus because my home had been approved for foreclosure. Therefore, I requested to speak with Ms. XXXX, because I could not understand why NFCU would approve the foreclosure knowing I was making a payment on XX/XX/XXXX. Ms. XXXX stated she would transfer me to Ms. XXXX, however she had me on hold once again while she was updating more notes, then the line hung up. I immediately called back and spoke with another female representative, however I was so upset I did not get her name. I never got to speak with Ms. XXXX because she was busy. I do not understand why my only home is a face to be taken when I am fighting to keep it. I explained to Ms. XXXX I was currently paying {$7900.00} worth of HOA attorneys fees because I needed a payment plan for less than {$1200.00} of HOA fees or the HOA was going to foreclose on my home. It hurts me to know my sacrifices for this country mean nothing to so many people veterans die for. No man left behind is what we are told, however our owe country throw us away. So many programs available to wave fees and lower principal balances, however I never qualified for any of those programs. In XXXX, my home was more than $ 85k upside down, however I did not bail on my debt. It is humiliating being in a position where I must beg to prevent becoming a homeless veteran, because my own government denies me benefits, I have earned. The stress of being homeless is overwhelming and triggers my XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Now my XXXX has gotten worse and my XXXX XXXX XXXX seems to have returned. I have no where else to go and no savings, because each time I try to get stable something goes wrong, home repair, car repair, hospital stay, or loss of pay. I am so grateful for the representatives who try to assist me, and I pray for those who may not understand what my life has become. I do not want to lose my only home, because I have no where to go and today my credit score makes me prey to everyone. Rather than assist those struggling we are punished, and the wealthy is rewarded. The foreclosure process creates more cost, when I was already struggling to make the one {$2100.00} payment before XX/XX/XXXX. I do not understand why anyone would treat a veteran in such a manner. | ||||||
| 04/07/2022 | Yes |
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| On XX/XX/2022 I went to make a deposit to Navy Federal Credit Union ( NFCU ). I went to make this deposit at the main branch on XXXX, however, the branch was closed due to COVID. I proceeded to use the ATM that is outside the branch. The ATM was down. I recall receiving an email that NFCU sent to all members denoting the other locations where their ATMS were located to be able to conduct full transactions ( e.g., withdrawals, balance check, and deposits, etc ). I proceeded to on closest to my home which was located at XXXX XXXX XXXX, XXXX Florida at XXXX that night after I got off work. I made a deposit of {$3300.00} to my checking account and another deposit for {$10000.00} in cash to be directed to my savings account. The denomination of the deposit was XXXX x {$100.00} bills. XX/XX/2022 I proceeded to complete a wire for the {$10000.00} that I deposited into the savings account and realized that only {$1000.00} was deposited. I immediately contacted the bank via the XXXX # and was told I needed to have evidence of the transaction, which I did and to upload it on the portal. I was told 5-7 days it would be reviewed and someone would be in contact with me regarding the matter. After 7 days I did not receive a call or any indication of anything. XX/XX/2022, which was my birthday I was not in town. I called NFCU and spoke with XXXX who transferred me to XXXX in Fraud, I was told immediately that my case was reviewed and it was closed out. I asked the reason as I am missing {$9000.00} and she could not tell me I asked for a supervisor. I could not be transferred as her transfer button would not work. I had to call back in and went through the process again. I was finally transferred to a Supervisor in the Fraud department by the name of XXXX. She sat and reviewed the account and pointed out additional errors and told me that she was looking at my XXXX statement for the savings account and that it showed the balance of XXXX but after the deposit that was made on XX/XX/2022 the balance showed {$1700.00} which was a difference of {$4.00} and she did not understand it. She told me that she sees my receipt from the ATM and told me the ATM was a third party ATM and that the vendor has 45 days to respond. I indicated there was nothing on the ATM machine that made me believe or think it was a third party it had all of NFCU emblems on it and it was a full service ATM not one like XXXX which I never use. I asked about the case being closed she informed me it had been escalated. I got back in town on XX/XX/XXXX and got a letter in the mail that indicated that the ATM owner found there was billing error. The letter was dated XX/XX/2022. I immediately called again and after many representatives I was finally routed to XXXX again who informed me it was a computer generated letter that that the time still remained of 45 days but it could be up to 60 days. With that I was patient. XX/XX/2022, I called back and spoke to XXXX who transferred me to XXXX who told me that I still had XXXX more days for the owner of the ATM to respond and she would personally call me that date would be XX/XX/2022. I told her I would be in Washington DC that day she indicated she would call and leave a voicemail if she was not able to get me. This call never happened. I telephoned NFCU on XX/XX/2022, I was trying to reach XXXX, each representative told me that my claim was closed. I was not getting answers and asked to be transferred to XXXX I was told that it was not possible to be transferred to one particular person as it was so many people no one knew exactly who that was. I asked for a fraud supervisor. I was transferred ( not sure of this person 's name ) I asked for XXXX she said XXXX has been off line for over 2 hours and attempted to help me she told me that after escalation the second time which according to the notes was XX/XX/2022 the claim was declined as the ATM owner showed no billing error. I told her that I spoke with XXXX on XX/XX/2022 and was not informed of that she told me she was sending the claim to escalation. She said she was only reading the notes as the claim was closed. I asked if there was a way to obtain the camera footage she said it is a third party ATM and for members they are on their own to get their own footage from the cameras if they need to follow up on a claim. I then proceeded to do research to find out who I needed to file this claim with and spoke with the Florida Attorney Generals office and was provided this information. Prior to that I reached out to XXXX and was told that I could file a complaint on mycreditunion.gov which would then be forwarded to the Consumer Financial Protection Bureau. | ||||||
| 03/24/2020 | Yes |
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Web | Servicemember |
| I originally called into the Navy Federal Credit Union on Monday XX/XX/10 and inquired about VA IRRL and Home Equity Line credit requirements during a recorded call. I was informed that the Home Equity Line requires an XXXX score of XXXX to be considered for the loan, however they could not discuss credit score requirements for VA IRRL. I, in turn, checked my XXXX Credit and decided to apply, since I met the standard qualifications per my call with the Mortgage Lending Department Representative the evening of XX/XX/XXXX. However, on XX/XX/XXXX, I received an email from an Equity Processor, XXXX XXXX, stating that my application had been denied due to credit and he claimed to have shared my information with their credit reviewers and claimed my score was below the minimum requirement. I, in turn, immediately reached out via phone to request to speak with XXXX, however, after several attempts and no return calls, I decided to call the main NFCU 800 number to request to speak with a Mortgage Supervisor regarding my concerns on XX/XX/XXXX as well and was informed by the Mortgage Supervisor that he would reach out to XXXX in the Equity Processing department, since he only handled the Loan Application Call Center, however he stated that I should could also request a Credit Exception as well. He placed me on hold and came back to the line to inform me that he had XXXX on the line and transferred me to him. I inquired about my credit denial and did not understand why he could not return my phone call nor did he offer me the details behind the denial. In turn, I stated to him that the Mortgage Supervisor who transferred my call to you mentioned that I could request a Credit Exception request and you would know what needed to be done. I had to pry this information and fax information from XXXX because he did not want to volunteer the information which proves his lack of truly desiring to help a XXXX XXXX American female client of the NFCU. Also, I mentioned that I would fax the Credit Exception letter to his department and emailed a copy as well. Upon my completion, I reached out to XXXX again via phone and email but received no response to confirm receipt of the information nor next steps in the process. Then I reached out to the main NFCU Equity Processing Unit at XXXX to attempt to reach someone regarding confirmation of receipt and next steps to no avail. When I called into the main number on XX/XX/XXXX a Rep named XXXX picked up the call and I requested could she transfer me to XXXX Supervisor XXXX XXXX and left her a voice mail as well. After a couple days, I reached back out to the Equity Processing Center to see if my Credit Exception document had been forwarded to the Underwriting team and still received no answers. I called back into NFCU again on XX/XX/XXXX after leaving a Voice mail for my assigned Processor XXXX XXXX and he refused to return my call or email. Also, XXXX XXXX did not respond to my calls or emails either since XX/XX/XXXX. I kept receiving the runaround regarding our Home Equity Line of Credit Application which I believe we qualified for but was on purpose denied and discriminated against because we are XXXX XXXX Americans who also served in the U.S. Military and was not given a true opportunity to have our application reviewed by the Underwriting team because the Processors team refused to submit our information as they claimed they would do. I received stall tactics and falsified information on numerous attempts when reaching out the the NFCU Equity Processing Team in XXXX, FL. This is unacceptable and is not a representation of Credit Equity amongst XXXX XXXX-Americans in our community and at a time like this during Coronavirus we are being unduly denied the access to Financial Resources, although we have lucrative equity in our home. NFCU Equity Processing Unit discriminates against XXXX and has biased treatment towards the XXXX XXXX-American Community at large. Also, there have been several unfair and scrupulous business practices conveyed by NFCU during this Application process. Also, when I called on XX/XX/XXXX, I was told by the Processing team that our application had been sent over to Underwriting for review and they would be reaching out. Also, I followed up again on XX/XX/XXXX, and was told by a Processing Rep that my loan application was assigned to an Underwriter by the name of XXXX XXXX, however, I again started receiving false information from the Processing Reps which I have outlined in my attached emails. Again, these were intentional stall tactics to ensure that was no intent on allowing my husband and I to be approved for a Home Equity Line of Credit. | ||||||
| 05/16/2023 | Yes |
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Web | Older American, Servicemember |
| XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint against Navy Federal 's refusal to honor loan and credit card deferment due to XXXX Dear Sir/Madam, I am writing to file a formal complaint against Navy Federal regarding their failure to honor my request for a loan and credit card deferment due to COVID-19. Despite contacting Navy Federal on XX/XX/2023, requesting a deferment for all my loans and credit cards due to being unable to work after contracting COVID-19, they did not provide me with a deferment under their COVID-19 policy. I was only granted a one-month deferment on my car loan and two personal loans. Unfortunately, by the time I recovered and was able to return to work, which took XXXX months, my credit had been severely damaged due to numerous late payments. Upon contacting Navy Federal to inquire about their COVID-19 deferment program, I was informed by a representative that I hadn't asked for it, despite clearly having requested it during my initial call. When I pointed out that I had indeed asked for a deferment, the representative acknowledged that they could have granted it to me and admitted the error. However, they refused to reverse the late payments and directed me to speak with a supervisor. The supervisor, named XXXX, exhibited extreme rudeness and refused to remove the late payments, citing a signed promissory note as the reason for his inability to take action. Moreover, when I requested to escalate the matter further, XXXX claimed that he had no supervisor or anyone above him within the organization. It was like talking to a company I never dealt with before. I was pleading with XXXX to listen and understand all these late payments were unlike me and due to covid. This has cost me sleepless nights, anxiety, shame, and embarrassment. it felt like he was taunting me by repeatedly stating ( you signed a promissory note ) over and over again. Subsequent attempts to rectify the situation proved equally frustrating. When I contacted Navy Federal on the XXXX and the XXXX of XXXX, I was advised to contact the credit bureau myself, despite Navy Federal being the entity responsible for reporting the late payments. I explained that I needed Navy Federal 's cooperation as they were the ones who reported the late payments. However, their response was indifferent to my concerns, despite my never having missed a payment and my utilization increasing due to relying on credit cards to cover living expenses. On XX/XX/XXXX, I made another call and this time I was informed that if the error was Navy Federal 's fault, they would remove all the late payments. I emphasized that I had specifically requested their XXXX policy and was denied it, thereby confirming their responsibility in this matter. Unfortunately, this conversation offered no resolution to my credit report predicament. I have been a loyal customer of Navy Federal for 10 years and have always maintained a pristine credit history with all my creditors, and I have refused to work with any other bank. I had no late payments before I fell sick. I am a member and hope to be a member forever. I never anticipated that they would treat me in such a callous manner. As a XXXX individual, I am devastated by the repercussions of these late payments, as they will significantly impact my credit score for the next seven years. It is deeply unfair and unethical that I will be nearly XXXX XXXX XXXX before I can regain eligibility for credit, potentially jeopardizing my ability to secure housing due to rising rental costs, if I decided to want to relocate or downsize I'm now stuck. With the way the economy is now the worst thing to have is bad credit, if my car breaks down I'd be stuck without transportation. credit affects every area of your life now. Therefore, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter and intervening on my behalf to have the late payments from Navy Federal removed from my credit report. The actions of Navy Federal have caused me significant distress and financial hardship, and I believe their refusal to rectify their errors is a clear violation of fair practices. Enclosed with this letter, please find relevant documentation, including records of my communication with Navy Federal, to support my case. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and ensure that appropriate action is taken to rectify the situation. Thank you for your attention to this urgent matter. I eagerly await your response. | ||||||
| 04/25/2022 | Yes |
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| I, the consumer and natural person, was denied credit by Navy Federal Credit Union when I applied for a Flagship Rewards card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by NFCU due to the response I received. NFCU is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NFCU If NFCU fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make NFCU criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I currently have a secured card of {$300.00} 1662 ( b ) - It is illegal to require any downpayment in connection with a consumer credit transaction. I have my card for almost a year now and every time I apply for an increase I get denied, I may have high credit usage all the time because im on other authorized accounts but I've never missed a payment and if anyone other than a computer generated response actually checked my credit report and see that I have 3 auto loans which I had for over a year where ive never missed a payment i have 0 derogatory remarks with 13 accounts all in positive standing. but yet I cant get an increase. As the document recently received appears to be from NFCU, the word We is referenced several times throughout the document as if multiple individuals or person ( s ) are involved in the creation of this computer-generated letter. Since the document includes no signature ( s ), would all individuals in their private capacities who are involved in said writing please identify themselves, so that I can properly address such individuals. NFCU claiming to be the creditor for the credit application submitted seems to be an error as that would be in contradiction of 12 CFR 1002.2 ( l ), which defines a creditor as... the term does not include a person whose only participation in a credit transaction involves honoring a credit card. 12 CFR 1002.2 ( k ) defines a credit card as meaning any card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was to be honored in said transaction is the Social Security Card, specifically the account numbers placed on the electronic credit application. If there is any presumption that the said Social Security Card/Account is not used to obtain money, property, or services on credit see 26 CFR 301.7701-11 as security is defined within the meaning of this regulation in reference to the social security number as ... or warrant or right to subscribe to or purchase, any of the foregoing ; negotiable instrument ; or money. - ( Source : 26 CFR 301.6323 ( h ) -1 ). Recently NFCU Took {$600.00} out of my savings for NFS FEES where NFCU allowed ONE SINGLE merchant to abuse and XXXX my account until it was over draft by {$600.00}, I've contacted merchant/creditor to stop they ignored. I locked my card, got a new card, called XXXX federal and asked about over draft protection by all my means to prevent this. my account still got charged and overdraft I was penalized for not having money in my account and for that I ended up with a closed checking 's account and {$600.00} in debt over XXXX FEEs that navy federal " may '' charge. " may '' is a huge word in this policy. may is at one discretion. meaning at navy federal at its discretion may charge the fee. i don't think its fair or nor is this good banking. I did everything in my power to prevent my account from over drafting and closing. Navy Federal knew I had no monies and continued to all ONE SINGLE merchant to build up {$600.00} NFS FEE 's. I was never told that I was able to opt for overdraft protection through their banks to avoid NSF fees. Non-sufficient funds and overdrafts are two different things, though both relate to a shortfall in funds, and can trigger fees. For navy federal to take {$600.00} out of my savings when I've sent a cease and desist on collections is uncalled for and petty. how much money does navy federal makes just off fees alone just another way to rob the consumers. | ||||||
| 01/17/2022 | Yes |
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Web | Servicemember |
| Navy Federal Mortgage Loan XXXX To Whom It May Concern, We are highly saddened by the decision Navy Federal has rendered regarding our Mortgage Home Loan. The main reasons for denial according to the letter were ( 1 ) UNABLE TO VERIFY INCOME, ( 2 ) Excessive obligations in relation to income. We are at a total loss for words about this because the loan was Conditionally Approved in XX/XX/XXXX, you can not Conditionally Approve someone without verifying their income! Also, our combined income is over $ XXXX. We have one ( 1 ) car payment for {$830.00} and around {$610.00} in credit card payments We also have Rental Property that we provided documentation that adds an additional roughly $ XXXX or more, which offset the above reason for denial. We appealed a decision by Navy Federal Home Loan in XX/XX/XXXX for reasons that were unfounded and in my opinion, DISCRIMINATORY based on race. The decision was reversed and we proceeded with the loan process thereafter. What transpired next is four ( 4 ) months of indescribable incompetence and foul treatment from a cornerstone American financial institution Ive ever witnessed! We were given four ( 4 ) different closings dates and not one time did anyone from Navy Federal contact the attorneys to reschedule, sending my wife and I emails two days before the date to cancel! now, we receive this letter a day and a half BEFORE CLOSING, IS DESPICABLE! We understand the process of underwriting but for ( 4 ) months the information requested was redundant and appeared as if they were searching for reasons to deny rather than assist in approving the loan. As upsetting as it became we supplied the information in a timely manner. During this time the sellers of the home endured many financial struggles as well. When we provided the approval and conditional approval, the sellers were embolden to take the home off the market, while still paying mortgage on another home and all utilities on the home in XXXX, NC, Losing out on potential buyers for over four ( 4 ) months! We also had to suffer through the anxiety of everything a loan process brings, but ten fold! Weve lost thousands of dollars in earnest money and all the other fees associated with the process, and are literally XXXX at the moment and frantically searching for a PLACE TO LIVE BECAUSE WE DID NOT RENEW OUR CURRENT LEASE AFTER RECEIVING THE POSITIVE NEWS OF CLOSING! We have done EVERYTHING possible. Is it money? No we make more than enough. Is it credit? No our rating range is XXXX. Is it assets? No, we have over $ XXXX between the two of us in our regular checking accounts, and retirement accounts over $ XXXX. Lenders have an absolute right to disqualify applicants who do not meet their requirements. However, the reason must be justifiable and undeniable in facts! .Our case can only be viewed as a CLEAR case of injustice in the highest order. Aside from past issues ( over 7-8 years ago ), we have been model candidates for lenders, good stable jobs, longevity, more than sufficient income, credit scores between XXXX, cash on hand, and savings! Navy Federal XXXX stipulated they couldnt verify income, and ITMm presuming theyre referring to the investment property? If thats the case, we began renting out the property in XX/XX/XXXX for {$2700.00} per month and reduced the payment to {$2500.00} when Covid-19 hit a year later. We gave you the addendum because after the initial ( Full Page ) lease agreement, that is customary! If you wanted to see the original agreement signed in XXXX WE COULD HAVE SUPPLIED IT, but you never asked. I reference this because you ( Navy Federal ) asked why is it ( the addendum ) only one page! As if were making this up!! You requested two years of our schedule E taxes and we gave you year XXXX and you oddly asked for XXXX? We did not rent out the property until XXXX! Secondly, the fiscal year XXXX has just ended and we can now file and have that 2nd document ( Scheduled E ). However, the another form of verification of funds is through the Bank Statements we provided which clearly shows the payment history EACH MONTH OF {$2500.00} FOR THE PAST YEAR!! They didnt verify because THEY SIMPLY DID NOT WANT TO APPROVE THE LOAN and tried to find every reason NOT to based on the absurdity in the redundancy documents requests! If its none of the aforementioned what are we left with? We will seek counsel and report this to the FTC, HUD, and other agencies to protect our rights for we have suffered financially and emotionally during this period. cc hud.gov consumer.ftc.gov justice.gov | ||||||
| 04/23/2022 | Yes |
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| 1. Affidavit of Truth Page 1 of 2 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor lender executor, administrator, holder in due course for any and all derivatives thereof for the surname XXXX, XXXX, and I have been appointed and accepted being the executor both public and private for all matters proceedings, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that maybe, I depose the following facts, so be it, now present. XXXX will show through documentary evidence from my initial communication with NAVY FEDERAL CREDIT UNION, they intentionally violated consumer credit laws with a direct intent to violate and harm me a natural person. XXXX will show NAVY FEDERAL CREDIT UNION is intent on ruining my character as a consumer/natural person. XXXX will show at least six serious scenarios where NFCU knowingly willingly and directly ignored federal consumer laws in an intent to. Extort payment on an unvalidated, alleged debt. Punish me for nonpayment of a debt. Falsely represent the amount and character of the alleged debt. Attempt to use unfair and unconscionable means to collect an alleged debt ( repossession attempt ) Communicated with 3rd parties ( consumer reporting agencies ) without prior consent of me the consumer, only to coerce payments, you knowingly and willingly reporting false and or wrong information to destroy the character of me the consumer and natural person. Information reported either violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act or Truth in Lending Act Make false statements and knowingly withhold information during financing to create a debt. Knowingly and willingly attempt to offer contracts with empty and inadequate closures. Third party witnesses to NCFU violations would be XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX, XXXX, and XXXX. I have also filed 1 or more complaints with the named consumer protection agencies notifying them of NFCU illegal tactics. Promissory to pay section : is asking me to waive my legal rights natural person to the rights of demand and notice NAVAL FEDERAL CREDIT UNION is asking for me to take responsibility for a loan, even though the promissory note does not have adequate notice pursuant 15 USC 1602 ( k ). And NFCU can not produce documentary evidence with my wet signature agreeing to violations Agreement Acknowledgement section : clearly acknowledges Truth in Lending its powers and directives as federal law. 1. NFCU WILL NOT grant me my right to rescind this transaction pursuant 15 USC 1635 Right to rescission to certain transaction clearly states : The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with 2 of 2 regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 2. NFCU has never addressed attached violations ( documents also mailed directly NFCU ). NFCU intent was never genuine and has never shown good faith in granting me right to rescind this transaction because of numerous violations on their part. By doing so there is clear evidence in all affidavits sent by me and documentary evidence, provided by NFCU, that their main intent is to punish me for nonpayment and attempted to extort payment from a natural person and federally protect consumer. Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means 1. to collect or attempt to collect any extension of credit, or 2. to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means, Pursuant 18 USC 894 Collection of extensions of credit by extortionate means. XXXX XXXX | ||||||
| 03/17/2021 | Yes |
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Web | Servicemember |
| XX/XX/2021 I noticed suspicions activity with my account checking XXXX. I contacted NAvy Federal Credit union compromised accounts. After reviewing my accounts they agreed with me and stated a skimming device was being used on my account. They advised me to : Close my accounts and open another ASAP. Change user I D, passwords and PIN numbers. Change out the debit or any cards related to the affected accounts. They informed me of any deposits would be automatically transferred to my new accounts. I did exactly what I was advised to do. I trusted the banking personnel. Appropriate one week late I began to receive my replacement ATM cards in the mail. These card would not activate online. I contacted the NFCU customer service for assistance in activating my new debit cards. They informed me, I had been suspended from using my debit card for 1 year, because I had not conducted myself as a member of their credit union, as per their guidelines and statues, on the XX/XX/XXXXXXXX XXXX XXXX therefore my privileges to use ; My debit card Mobile banking XXXX XXXX funds Deposit History ATM usage Loans services Bill payments The only thing I could do if I need access to my funds, was to drive 150 miles to the bank and show my ID. This was crazy my account was now over drawn by - $ XXXX I had no access to anything and on the XXXX XXXX of XX/XX/2021 the only thing that happened was a check for {$3.00} was deposited in my account. I tried to contact the security department of NFCU to find out what was going on, they would not talk to me. I opened another account at XXXX XXXX XXXX As I was transferring my XXXX and personal information to XXXX XXXX someone from NFCU security contacted XXXX and talked with them. XXXX froze my accounts and would not release the funds I had with them. XXXX closed my accounts and mailed my deposits to me after a month of investigation and found nothing criminal or wrong. They had already frozen and closed my accounts because of what NFCU had told them. I drove 3 times to NFCU for a total of 500 plus miles in order to get funds from my account. I currently have been diagnosed with XXXX XXXX XXXX XXXX and XXXX, along with a very bleak diagnosis. I work so very hard to restore my overdrawn account back to a positive status. The check cashed against my account for {$1200.00} had cleared the back but was not credited to my account. My direct deposit was transferred from my closed checking account to my newly opened account in order to fund the account and take it out of a overdrawn position, they credited my account for the fraud from another state. Finally thing are getting back on track for me. Except why was I still being punished for contacting the bank because someone used a slimmer device on my accounts and taken what did not.belong to them. I pulled all my statements and reviewed all activity. Someone had removed XX/XX/XXXX and XXXX from all my statements and records of transactions at NFCU. Finally NFCU restores my ability to have mobile deposit on XX/XX/XXXX th XXXX. In XXXX XX/XX/2021 I send two separate messages in writing to NFCU asking where is my stimulus payments of {$1400.00} and {$1400.00} total {$2800.00}. I get no reply, I call NFCU and am told all members have received their stimulus payments and after checking all my accounts open and closed that I would have to contact the IRS because NFCU did not have a stimulus payment for me. XXXX XX/XX/2021 I receive a message from NFCU informing me they have returned my stimulus payment back to the IRS because of a closed or ineligible account to receive the deposit. They went on to inform me, in the future if they could not identify whom the deposit belonged to they would not be able to transfer it into the new account and would return the direct deposit back to the payor. This is so wrong they know I opened new accounts, they can transfer my direct deposit on XXXX XX/XX/2021 to my new account in order to relax the overdraft, but return my stimulus payment and threatened to return future direct deposits back to the payor. Obviously I have angered someone in the security department and they are manipulating their authority at the financial institution. We do not have anyone to turn to to help us. We have attempted to contact NFCU over a dozen times to resolve this situation. They continue to tell me they can not over ride the security department and that is whom is doing all these actions against me. I have all documentation of everything I have noted, as it is true and accurate. | ||||||
| 06/24/2021 | Yes |
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| On XX/XX/2021, I received a text message from Navy Federal Credit Union about suspicious activity at XXXX XXXX. I replied 'No ' at XXXX XXXX. I got a response that Id receive a call but could not pick up the call due to being at work. As soon as I was out of work, I replied 'No ; a second time at XXXX. I got a call from the fraud prevention department and the conversation with the representative I explained that I believe my card was lost/stolen and while on the phone I identified several transactions did not belong to me that happened between XX/XX/2021 and XX/XX/2021. I also told the representative that I believe my debit card, ID, and a USB containing sensitive financial information may have fallen out of my basketball shorts when I ran to my car after my haircut in XXXX, FL. I ran to my car because it was pouring rain. I also explained that I was in XXXX, FL from XX/XX/2021 to XX/XX/2021 to process the purchase of a home. ( Inspection, Escrow, Closing ) Furthermore, I explained that my nieces were with me and that I was also in XXXX to take them to XXXX XXXX. I then explained that I had driven back to XXXX XXXX, VA during the night of XX/XX/2021. The transactions I identified to the representative as fraud/unauthorized are as follows : XX/XX/2021 - XXXX XXXX XXXX XXXX - {$600.00} XX/XX/2021 - XXXX XXXX XXXX XXXX - {$600.00} XX/XX/2021 - XXXX XXXX XXXX XXXX - {$600.00} XX/XX/2021 - XXXX XXXX XXXX XXXX - {$600.00} XX/XX/2021 - XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/2021 - XXXX*XXXX XXXX XXXX XXXX XXXX - {$2000.00} Pending - XXXX XXXX XXXX - {$40.00} Pending - XXXX XXXX XXXX - {$25.00} Pending - XXXX XXXX XXXX - {$19.00} Pending - XXXX XXXX XXXX - {$15.00} Pending - XXXX XXXX XXXX - {$10.00} Pending - XXXX XXXX XXXX - {$11.00} On XX/XX/2021, a letter was sent out to my home address. I received the letter on XX/XX/2021 that stated that the found no errors to and the claim was denied. I immediately called Navy Federal and spoke with a representative and requested information on how they conducted an investigation in less than 48hrs. The representative advised that I reopen the claim and send in supporting information. I explained to the representative that I have gotten tested for COVID-19 on XX/XX/2021 because I was not feeling well after my trip to Florida and got my results the evening of XX/XX/2021. I asked if this would help and if my credit card statement would suffice as it showed that I was in Florida and Virginia during the time of the fraud. He said any supporting information would help. So on XX/XX/2021 I sent them my COVID-19 results showing when and where the test was taken. On XX/XX/2021 I sent them my XXXX credit card statement which showed several transactions in XXXX FL, XXXX SC, and XXXX XXXX VA with dates. On XX/XX/2021, I received a message on Navy Federal 's online messaging center that stated they have received the documentation and to allow up to 14 business days for them to investigate. Unfortunately, I never got a response. On XX/XX/2021, I sent a message on Navy Federal 's online messaging center requesting an update. On XX/XX/2021, I called and was told that the investigating representative was not in and to call again tomorrow. On XX/XX/2021, I called and got hold of the fraud department and was told the claim was denied. I again explained everything to the representative and he said I can open an appeal to the denied claim and to provide as much supporting documentation. At this point, I am fed up. Today, XX/XX/2021, I submit a detailed explanation as to why I believe the claim should be in my favor. I submitted screenshots of the email conversations between the XXXX mortgage loan officer, my realtor, and the title processing company. I submitted a letter from the title processing company that explained that I was in XXXX in their offices XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I submitted photos that are dated and time stamped of my nieces and I in XXXX XXXX. I submitted the intention of gift letter from my mother that was sent to the mortgage loan officer for underwriting. I submitted the XXXX Police Report ( redacted information due to it being an active investigation ) and the contact information to the officer in charge of the investigation. I resubmitted my COVID-19 test results that shows that I was in XXXX XXXX, VA on XX/XX/2021 and that the results came back on XX/XX/2021 as positive. I resubmitted my XXXX credit card statement was showed I was in XXXX FL from XX/XX/2021 to XX/XX/2021 and XXXX XXXX since XX/XX/2021. | ||||||
| 11/26/2022 | Yes |
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Web | Servicemember |
| I am very disappointed that Navy Federal is casting misleading mortgage loans regarding their military choice loan. My husband and I were pre-approved for a loan over the phone with Navy Federal Credit Union. We disclosed all of our information and the address of the perfect second home we found for ourselves in XXXX XXXX, Maryland. At first, my husband, XXXX, was only going to be on the loan because he had a higher credit score. The phone contact said XXXX, on his own qualified for the loan because his XXXX was low enough. We put the offer on the house and were accepted/under contract. Once we got assigned a loan officer, XXXX XXXX, XXXX # XXXX, told us that I would have to be added to the loan because his XXXX was too high for that type of loan. I was confused. At this point, XXXX had only talked to my husband. I called XXXX and tried to clarify why it would be any different since we disclosed everything on the phone. He made an excuse that it just got to his desk so that he couldnt process it yet. We were already pre-approved at this point. He told me he would send me the information to get added to the loan. I never received his email. I called him five days later and asked him where the email was. He said he sent it to me. I never received it. I asked him if XXXX could stay on loan without me getting added on there because of the credit score and asked him again to clarify why it was different. He said it was too late because he had already pulled my credit and added me to the loan. I said okay, well, what are the interest rates looking like, knowing that the interest rates would now go off of my credit score. He stated that interest rates dropped and were at 8.00 % now. I said great! Is there any way to lock in our rate now? He said yes, we could that we were locked in at 8.00 % and could go down to 7.5 % if it dropped again with the freedom lock. I then got a call two days later, and he said, btw, we are back up to the 8.6 % interest rate because rates went back up again. I said, how is that possible when we locked in the other day on the phone? He acted clueless and said we had to get the 8.6 % interest rate. I then went to his supervisor, and she claimed that XXXX said he never said that and that I misunderstood him. I told her to pull the tapes!!!! I know what he said and he is lying trying to cover up what he said. She said she never had any complaints with him so she was surprised about it. I told her it really didnt seem like he knew what he was doing and is calling me liar instead of admitting he made a mistake. I told her, I would give him another chance and move forward with him. We then get to underwriting and was told our loan was going to get denied because it was within XXXX of our primary home. At this point we paid for inspections and under contract for XXXX weeks. We also were never told there was a requirement of distance throughout the process. We were mislead. We needed the 2nd home to help with our crazy schedules and having family there. We wrote a letter of explanation and still was denied and said it was an investment property which is further from the truth and what I believe a cover up because XXXX and the Navy Federal team put out falsified information. When also trying to get information from XXXX about getting an answer from the underwriters after he told us that we were going to get denied because of the XXXX radius rule, he told us that he resubmitted our loan with the explanation letter we wrote and should have a turnaround time of Monday ( it was Friday XXXX 2022, and he said he submitted our documents on that Saturday XXXX 2022 ). Turns out, his back up, XXXX, told us that he never submitted it when he said he did and it was submitted by him on that Monday that I called her to find out what was going on. Another lie from XXXX. We are out of money from this. If the company was up front about there so call XXXX radius rule which is not stated on their website under the military choice requirements nor was it a pre-approval question, we wouldnt had spent money, have our credit pulled and credit score dropped, or get our hopes up about the property. We are also not able to get the second home that we need to support both my husband and I being in the military and trying to support family and keeping our dogs in a good place. I would like the company to review the voice transactions with XXXX that we had over his work cell phone number and also his work number to show that we were misled in this home-buying process. XXXX | ||||||
| 07/30/2017 | Yes |
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| XX/XX/XXXX I checked my credit report and noticed that a navy federal credit card was opened in my name back in XX/XX/XXXX and had a balance of XXXX . Before I even noticed about the account I had been receiving phone calls from random strangers who would n't identify themselves but knew all of my information including my address, social security number and banking information including security passwords. They used dead end numbers to contact me, telling me I owe them debts and if I did n't pay I would be taken to court which turned up to be fraudulent. The account had been being used time for time according to my report. When I called Navy federal about the account, I mentioned that I called my local police department to report identity theft along with freezing my credit reports, instead of helping me, they deflected my concerns and took it upon themselves of telling me that I should change account numbers and get a new credit card number. I mentioned to them that I never received a credit card at all and never got billing statements even though I have never gone paperless for any of their statements, which was confirmed by a customer service rep. This loan amount never appeared on my NFCU app until after the first phone call about the fraudulent credit card was made to the fraud dept. What is more crazy is I looked at the billing statement paper that was given to me, it also shows security flaws. These security flaws expose the credit card information associated with the account, and it also shows my personal access number which makes it seem like I am the owner. I noticed the card was named after my personal code word which I found to be a little crazy. I called four more times after that on the same day and when I attempted to find out how this credit card was opened, what address the credit card and billing statements were sent to, and if it had a pin number associated with it, with these obvious red flags of a fraudulent credit card account, I have been given the run around because if I were the owner, I would have known this information to begin with and would not have even called about the account in the first place. The last agent I spoke with, explained to me that I could shut down the account as they investigate this but they have not done an investigation, all they have done is after 15 days of not paying the monthly bill, the credit card account was put in default and sent to their collections department who has been doing deducting money from a joint savings account that 's between my spouse and I and using that to pay the credit card back without any formal consent. According to their credit card terms and agreement, the account will be in default after 60 days of non-payment, but as way for them to not take responsibility for their recklessness and security negligence, this fraudulent account was placed in default after 15 days, again violating their own terms and agreement contract. The only way I found this out, was by checking my NFCU app and saw that this money was transferred without any notification, thus breaking the protocol written in their credit card terms and agreement as it states that the authorized user is giving them permission to access and take money from all other accounts with NFCU to pay the delinquent account, but since my spouse and I were unaware of this fraudulent account until receiving my free annual credit report, we DID NOT give NFCU permission to access and take money from our accounts for this fraudulent account. The bank claims they have insurance to protect themselves from things like this, but they keep telling me I need to file a claim within thirty days from when it happened and it will be resolved. How can it be resolved if this fraudulent activity had been going on for over a year? How can I challenge this activity when I 'm challenging the whole entire account that is n't mine to begin with. The bank insurance should allow them to clear the fraudulent account out of my name and I can move on from this crazy experience. The bank claims I completed a phone application to get this card. if this is true where is my signature at? They also mentioned in there card terms and agreements disclosure the card is not valid in less my signature is on the back of this card and if this is true then the bank its self is going against its disclosure agreement. I have documentation to back up my claims and I will continue the battle to get rid of this fraudulent activity that NCFU has allowed even though they have been sued already. | ||||||
| 09/07/2021 | Yes |
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Web | Servicemember |
| What happened? On Janurary XXXX, 2021 I, XXXX XXXX XXXX engaged into a " consumer credit transaction '' with Navy Federal Credit Union in which a " Finance Charge '' was involved " Amount Financed '' ( {$19000.00} ) and " Total Sale Price '' ( {$25000.00} ). Pursuant to ( 15 USC 1605 ) -Determination of finance charge-Finance charge defined- Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Navy Federal Credit Union also took individual action to demand a " Down payment '' in the amount of {$6700.00}. Pursuant to ( 15 USC 1662 ) -Advertising of down payments and installments- which states- No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified " down payment '' is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. Pursuant to ( 15 USC 1635 ( b ) ) -Return of money or property following rescission- which states-When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. After thoroughly reviewing my contract I also noticed that Navy Federal Credit Union had included my " Right to Reject the arbitration agreement '' but failed to provided me with the appropriate form of written notice published and adopted by the Bureau ( CFPB ) for my " Right of Rescission ''. ( 15 USC 1635 ( a ) ) - ( a ) Disclosure of obligors " right to rescind '' which states- Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau , of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. | ||||||
| 04/08/2023 | Yes |
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Web | Servicemember |
| On XXXX I called navy federal credit unions ' survivors benefits phone number. I spoke with a representative who during the process told me that my checking account routing number may not work " if I don't know what kind of routing number type it is ''. I explained that I've used it for a decade or two with no problem. she said that if it's incorrect, it may slow things down or stop them. I indicated that I'd greatly prefer the electronic transfer to my checking account, but what are my other options? She replied " a check '' ( she did not say cashiers check ), I said how long would a check take, two weeks? She said half that time. I said ok, that's fine and that I would check my " mailbox '' each night ( because XXXX, XXXX, XXXX ETC... don't put their package in the USPS mailboxes and they should know this ). Two weeks go by, I call back to find out the delay. They have no idea, at this time, anything about the " check '' ( I still assume at this time it's a regular check ). Nothing, not when it was sent, how- either USPS or XXXX XXXX, etc. But they told me that it wasn't 2 weeks yet ( I questioned there math from the only info available, my call in date ). So I was told that the two week period ( which was just a period of time I picked out of the air ) would not be up until the next Wednesday ( Tuesday actually, but I was to call in on Wed ). So Wednesday came, I called, got the same individual as my last call, this time I was told that it WAS mailed on the 9th and it went USPS, but that it seemed " lost '', they didn't know where it was and it would be 90 days from now until they either found it or at 90 day reprocess the check. Wow, my heart sank, I really need this money right now, without it I'm bottlenecked financially and can't hire a lawyer to fight for my SSI, SSA benefits which are time sensitive, you only have a small window of time. So this is adding great stress to me. I hang up. A few minutes later I call back just to see if I got a " bad employee '', I got a different answer from this person, but this time I was told it was sent XXXX XXXX and that it was a cashiers check. I explained that I did not ask for a cashiers check, nor did I want one ( I knew you would have to be present to sign for a cashiers check and XXXX XXXX had played that game with me before and I wasn't playing again ). But That the check was still " lost '', even with a tracking number, they could not find it? I was told that they would contact me when or if it's found. A few days later they called, left a voice mail saying they have it, please call in. I did so, I Explained again that I did not request a cashiers check, but that I was funneled into only having a choice between a possible bad electronic transfer and getting a " check '' sent to my mailbox requiring me to wait up to two weeks. I was told that there was " ABSOLUTLY '' nothing that could be done, they just need an address to mail it too. I sank right into a depressive state. I had no way of ever getting the money, I couldn't get a lawyer, my future is over is all I've thought since then. I told them to hold the check, I hung up. I called a supervisor ( which took me two calls, no one knew who this supervisor was or how to reach them ). Left a voice mail for this supervisor, requesting info about the check. she played phone tag with me for a few days, after a week I called her back, left yet another voice mail requesting check info, eventually I got some of the info and a " call me '', we will discuss options. Options- WHAT? What options? I was told that I had NO options. I didn't have any trust in this company at this point, was afraid they would try something shifty. During this time I contacted the consumer help agency ( thinking it was you- my mistake ), they pointed me back to you, saying I should contact you. So the last voice mail I got from them was about day 35 from the time I first called in, XXXX, saying that they have made an exception and have place the money into an account that is ready to be sent electronically. I DON '' T TRUST THEM at this point. They did something that definitely seems illegal, then compounded it by not knowing anything. They should be fined, They've had my money for more than 30 days, what about interest ( they won't tell me the amount ). Should I try to get a lawyer? It's not fair that they cause such problems and get away with it, my whole future is sinking because of this. I have an account of dates and people I spoke with, what each said, etc. nothing follows -- -- --- | ||||||
| 03/13/2021 | Yes |
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Web | Servicemember |
| I deposited a check in the amount of {$1200.00} at an ATM on XX/XX/2021 at XXXX receipt # XXXX. The check was deposited to my checking account at Navy Federal Credit Union. I located this ATM from the Navy Federal Credit Union website, that warned of a 5 day hold for funds to become available. Navy Federal Credit Union received and began processing the funds from the check on Monday XX/XX/2021. On XX/XX/2021, the check posted, but Navy Federal Credit Union debited my checking account for the full amount intended to be deposited. On the morning of XX/XX/2021, I called Navy Federal Credit Union and waited on a 30 minute hold before speaking with a representative. The representative stated that the funds of the check were verified but the funds will not be deposited. He stated that the check was not signed on the back and that the institution will return the check to me. I explained that there was nothing in the policy requiring a check made out to the account holder to be endorsed unless the check was deposited by mail. I also explained that it was improper to take that action without disclosure and to draw on my account to fund the return check. The representative placed me on another hold and reversed the additional charge from the account and suggest I redeposit the check once I receive it. I requested a supervisor and spoke with XXXX. I explained what happened to XXXX and she responded by sitting in silence as she searched the Funds Availability Policy for about 10 minutes to find whether or not the check should have been rejected due to lack of endorsement. She stated on the recorded line that there was no policy to support the credit union 's actions and that she would request the funds be released. She placed me on hold and then disconnected the call. After about 15 minutes, she called back and stated that Navy Federal Credit Union did not reject the check, but the institution that owned the ATM rejected it on XX/XX/2021. This is false, because the funds were sent directly to Navy Federal Credit Union and received on XX/XX/2021 as stated above. She explained deposits at a Navy Federal Credit Union ATM does not require a signature and would have been available quicker. She promised a letter was sent the previous day to explain everything but she could not tell me what it was or view the letter. I explained that the other institution never had power to reject the deposit since it was done at an ATM that linked to a Navy Federal Credit Union account. As I also explained that if done at an ATM owned by Navy Federal Credit Union, I would have had access to partial funds already the call was disconnected again. This time, XXXX did not call back. After being completely disrespected and disregarded, I decided to call back later that afternoon. I waited on another 30 minute hold and spoke with supervisor XXXX who started the call in an unprofessional unenthusiastic tone of voice. I attempted to explain what happened in the first two interactions and XXXX frequently interrupted and attempted to redirect the conversation and end it prematurely. He also confirmed there was no policy to support the actions taken by the institution and began to yell at me about being unproductive and unwilling to assist further. That was offensive and abusive language for me to hear from the supervisors of the institution that was entrusted with assisting management of my checking account in a fair and lawful manner. I told XXXX that the reason no signature is needed for a check deposited at an ATM is because a debit card is required to complete the transaction which makes the debit card PIN the signature. He stated he had no knowledge of this, which is not typical for a financial institution supervisor. I asked several times to provide remedy of their error as this occurrence created a financial hardship that will persist several days if no action is taken. I requested a provisional credit of the amount that would have been made available had I deposited at a credit union owned ATM which is {$220.00}. Again, XXXX yelled that he would not provide me any remedy or any provisional credits regardless of hardship because of a check that was never required to be signed. XXXX then unprofessionally hung up on me and ended the call. I am unable to drive for work, purchase groceries, buy gas, or even pay for any expenses for myself or my family. This has put me at the mercy of Navy Federal Credit Union and the postal service and confined me to my apartment for days. | ||||||
| 05/31/2017 | Yes |
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| DISCRIMINATION Plaintiff : Company : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX, Al XXXX Phone : ( XXXX ) XXXX Defendant : Navy Federal Credit Union General Correspondence XXXX XXXX XXXX, XXXX, VA XXXX My name is XXXX XXXX the claims stated are true and accurate. ( 1 ) Customer : XXXX XXXX received a Bill of Sale from XXXX XXXX XXXX XXXX Bill of Sale attached ( 2 ) XXXX XXXX presented the Bill of Sale to Navy Federal Credit Union. XXXX XXXX was given a draft and instructed to presented to the company she was purchasing the vehicle from. Draft attached with Pre-approval Draft Endorsement Instruction Sheet ( 3 ) XXXX XXXX presented the check to XXXX XXXX in which a deposit was made into XXXX XXXX XXXX XXXX account with XXXX XXXX XX/XX/XXXX. ( 4 ) Around the hour of XXXX -XXXX XX/XX/XXXX I XXXX XXXX received a call from Navy FCU. Agent XXXX. He requests for me XXXX XXXX to forward him a copy of the Business License. I honored his request with the State, City Business License and Designated Agent Certificated. Copies Attached ( 5 ) After producing the business license. Received and email from Navy FCU : Subject ( Consumer loan letter of conditional approval ). Email copy attached I I contact Navy FCU with questions about the letter of condition. I spoke with Navy FCU agent XXXX who stated that he was with the Security Dept. for Navy FCU. He requests that XXXX XXXX XXXX XXXX produce copy of the front and back of the title. Copy of title attached I took the copies of the front and back of title to : Navy FCU. XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone XXXX. Met with Assit. Mgr. Branch office-MLO XXXX XXXX. Presented copies of the front and back of the title. After reviewing her monitor she stated that she could only forward the documents and she could not offer me any assistance. I would have to take this up with security. Did not provide me with a direct number or a contact person. ( 6 ) I XXXX XXXX return home. Contacted the XXXX number. I was directed to XXXX. He spoke with his supervisor. XXXX message was they had received the copy of the front and back of the title but that was not sufficient. The supervisor request. The only way Navy would fund this transaction is for the company name to be on the front of the title. XXXX XXXX received a statement from Navy FCU with instruction on what documents she would need from XXXX XXXX XXXX XXXX before they would release the funds. Attached Form from Navy FCU ( 7 ) My response. As a Designated agent for XXXX XXXX XXXX XXXX with over 30ty years experience, I have never in counted behavior such as this. Procedures for transferring of title or self-explanatory for people in the business of auto sales and finance companies. I request a copy of Navy FCU policys when it comes to title for the institution. As of this day have not received them. ( 8 ) XXXX XXXX faith in the company stood fast. I XXXX XXXX contact XXXX XXXX. Spoke with a gentleman by the name of XXXX XXXX. Request his assistance. I negotiated a deal for his company to sale a vehicle to XXXX XXXX. He agreed. I assisted XXXX XXXX to XXXX XXXX location in which I participated in the negotiations. ( 9 ) XXXX XXXX fax Navy FCU a Bill of Sale for XXXX XXXX to Navy FCU. Navy FCU was issued a Draft for the vehicle. XXXX XXXX and I drove away with the vehicle. In a casual conversation with XXXX. They have friends that work with Navy FCU. Moral of the story. Policies are designed to be applied when a company does not want to do business with a License Business with no blemishes. Attached you will find XXXX XXXX XXXX XXXX Sales package with front and back of title and Sales package of XXXX XXXX. Please examine the front of the title. XXXX XXXX XXXX XXXX Title Registered Owner : XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- - XXXX XXXX Title Registered Owner : XXXX XXXX XXXX XXXX . LIEN HOLDER FOR BOTH TITLES : XXXX XXXX XXXX XXXX XXXX Title is not in the name of the dealership as well as XXXX XXXX did not sign the back of the title of vehicle purchase. She sign an open title of transfer for a notary to complete that was not present. Copy of form attached. Summary : Navy FCU ( 1 ) blat tiny discriminate against XXXX XXXX XXXX XXXX. ( 2 ) Damage the credibility of the company ( 3 ) Cause undue stress ( 4 ) Tarnish the company name ( 5 ) Loss of business XXXX XXXX XXXX XXXX has experience : prejudice, bias, bigotry, intolerance, narrow-mindedness, unfairness, inequity, favoritism, one-sidelines, partisanship | ||||||
| 04/07/2018 | Yes |
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Web | Servicemember |
| I n XX/XX/XXXX, XXXX XXXX was the Mortgage Loan Officer at Navy Federal Credit Union responsible for processing a VA mortgage for my husband and me. Although I was included as a borrower when we submitted the online application, XXXX XXXX deleted me because she said it was a requirement since I was not a veteran. I asked if this would affect the mortgage in any way, especially in the event something happened to my husband and XXXX XXXX advised I had nothing to worry about because I would still be on the Deed. ( An email between XXXX and I dated XX/XX/XXXX documents the deletion but retaining my XXXX income. My husband and I signed all VA contract addendums. ) On XX/XX/XXXX I signed all mortgage documents as my husband 's Attorney-in-Fact because he was unavailable on assignment overseas. On XX/XX/XXXXthe XXXX advised that my husband had died while assigned as Director of Emergency Response for XXXX XXXX XXXX Area in XXXX. I notified Navy Federal Credit Union of his death. On or about XX/XX/XXXX, I was advised by Navy Federal personnel that I would lose access to the mortgage account because my name was not on the mortgage. When I returned from XXXX after making arrangements for my husband 's property and body, I again contacted Navy Federal. On XX/XX/XXXX, I received Navy Federal 's solution to the problem : a hyperlink to NFCU form XXXX, an Internet Account Access Service Application. This was a 16-page form that required my dead husband 's signature so Navy Federal could provide me with online access to the mortgage account. I contacted my assigned Survivor Support counselor, XXXX ( XXXX XXXX XXXX XXXX ) on multiple occasions and was advised that she had contacted the Mortgage Servicing Department and submitted mortgage assumption requests. ( XXXX has failed to respond to voicemail and email requests for assistance since XX/XX/XXXX. A coworker in the Survivor Support department stated that they had 'done all they could ' because they had no influence over the Mortgage Servicing department. ) During multiple contacts with licensed Navy Federal Mortgage personnel, I was given conflicting information. XXXX XXXX, XXXX XXXX and XXXX XXXX all stated that I must apply for a new mortgage and prove creditworthiness. XXXX XXXX stated to her subordinate, XXXX XXXX, that I must have agreed to have my name taken off the loan. ( XXXX also failed to advise XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that I was deleted from the loan application at the insistence of XXXX XXXX, the Mortgage Officer. XXXX XXXX stated to me that XXXX merely told her that I was not on the loan application and therefore must apply for a new loan. XXXX XXXX, when advised that VA Mortgage personnel insisted Navy Federal process an Unrestricted Transfer so that I could assume the mortgage, replied 'the VA doesn't tell Navy Federal how to service their loans. ' On XX/XX/XXXX I spoke with Lead Loan Specialist XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX was very angry at the situation and stated that the Region had been receiving so many complaints that Navy Federal had done this to other people that the credit union was in danger of having their ability to process or service VA loans frozen. She provided me with a copy of the applicable regulations in Chapter 5, Section 7 O and Item 8. Unrestricted Transfer from Transfer of Ownership Circular XXXX. On XX/XX/XXXX I called Navy Federal for assistance with making a payment on the mortgage. 'XXXX ' the licensed mortgage staffer, stated that his coworker had tried to help another veteran 's widow earlier that night who had the same problem. The curious thing is that every Navy Federal Mortgage department employee ( licensed ) has agreed that the loan assumption should have been processed and all have 'escalated ' the situation or 'reached out ' to a supervisor. The problem is that all these attempts are being routed to XXXX XXXX, XXXX XXXX or XXXX XXXX and all of these individuals refuse to follow VA instructions to remedy the problem that Navy Federal created and apparently continues to create. This is an unacceptable situation because the loan applications are initially completed correctly-with both spouses ' information-and we rely on Navy Federal personnel for accuracy in processing and servicing. It is an especially harrowing experience for newly widowed spouses to face such stubborn systematic incompetence about something as important as a mortgage. Thank you for any assistance. | ||||||
| 04/17/2021 | Yes |
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| XXXX XXXX DOB : XXXX Account number : XXXX Last 4 of SS number : XXXX Todays date : XXXX I hope all is well ... The reason why Im writing this is for the two {$60.00} dollar fees that are on my account equaling to {$120.00}. I just want to state I do appreciate the benefits of having over draft protection thank you very much. Im asking can I get these fees back please? Half those fees that you have already gave back to me were not no fault of mines twice your ATM was not working and I was not able to deposit any money in to them and they were both on a weekend ( Its only two XXXX XXXX here in XXXX, NC they both are far from my address and one is even further ) so to me that is an bank error or fault not mines so those fees that were given back to me for that should not count against me at all by right. Iam XXXX and these fees are because of the pandemic the ones I caused due to my XXXX payments have been delayed when the virus started until now. But I promise this will be the very last time I get fees you have my word I did not do this on purpose at all the man at XXXX stated I was going to get this certain amount of money deposited in my account and it did not happen the day he stated it should be in there due to the pandemic delays I shouldnt even of got these recent fees because if I would got when he stated I would these will not had occurred. I will be getting it any day now and he promised and gave me his word and I will continue to get money every month plus my back pay. I really do apologize but I dont have that {$120.00} extra for fees I just had a newborn 3 weeks ago and I have a son. I try to explained this to 3 of your supervisor but they really didnt allow me to or really answer my questions or listen and they were extremely rude to me I would like to address that as well. One of them hung up on me. They were not even listening to what I had to say they just kept talking to me as I was a no body and my voice didnt matter they had no empathy its like they were just working and given generic responses like these fees were done on purpose this pandemic has really messed me up as well as others some ppl should have a heart I know its a job but dont be so condescending like Im nothing. Im very intelligent and I strive to do the right thing and keep my word thats one of the reasons why my credit is in the XXXX and Im so successful in certain things through out my life. I normally dont have fees ever this pandemic was the first time I ever had fees my whole life and Im about to be 35 next month. They caused me anxiety your supervisor did to the point when I got off the phone with the last one I felt extremely sick so at that point it wasnt even about the fees anymore it was about the customer service. I didnt deserve to be speak to that way or hung up on. Im speaking for myself or anyone else that has an issue with something at XXXX XXXX and needs a supervisor this needs to change not right at all. I shouldnt have pain and suffering from speaking to them on XXXX. I was literally in tears and had to take my anxiety medicine just by the way I was treated its deeper then the fees at this point. Before I became XXXX I worked at several call centers and I didnt ever treat anyone like that I pride myself in helping the customer and making it better I was always the top performer in my customer service, 42 in the nation in my customer service and even a SME for training class at XXXX XXXX XXXX. I have even worked for XXXX XXXX XXXX. Im really still hurt by the way I was treated it is truly bothering me especially since Im XXXX and anxiety is one of my XXXX and certain things like this trigger it and make other things occur reguarding my health as well that Im not going in to. Im speaking up for me and anyone else this has been done to. Can you please give my fees back and please address this issues with your customer service with your supervisors because this truly isnt right at all especially if some of these fees were not my fault but they were treating me as it they were I felt they were extremely rude to me. I appreciate banking with XXXX XXXX and the overdraft protection I just want yall to listen, have more understanding with empathy and treat everyone good with your customer service thats all. I promise you that you have my word I will not have any more fees, again I apologize they werent my fault it was the atm and the pandemic. Thank you for your time. Have a wonderful day and please be safe. XXXX XXXX XXXX | ||||||
| 07/19/2023 | Yes |
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Web | Servicemember |
| This is in regards to a national scam in which multiple victims have been a part of. The scam was very complex, but I tried to gather as much information as I could. XX/XX/XXXX I contacted a XXXX XXXX XXXX on XXXX on XXXX, XXXX XXXX. She posted ads regarding short term rental services. Her business was to find properties that agreed to allow rental arbitrage and then completely furnish and manage. She initially offered a XXXX, XXXX property. I paid an initial {$4500.00} deposit for it on XX/XX/XXXX through XXXX with my XXXX credit card. XX/XX/XXXX We later switched to XXXX properties in XXXX and voided the XXXX property contract. XXXX then suggested XXXX wouldnt be a good property and told me I should switch to a property in XXXX, CO. I declined, but saw she was doing a special deal for 2 properties in XXXX so I asked if we could switch to 2 properties there instead. She accepted, but said I needed to get 2 properties as well as a third property in XXXX to fulfill the XXXX listing I had wanted. So there were 3 apartments altogether in XXXX I was supposed to purchase her services for. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX also operates with another entity with whom she says is her sister and whom she made me send the money to. XXXX XXXX - XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX This is the company I made payments to through XXXX with my credit cards. I used my XXXX XXXX Credit Card and my XXXX Credit Card to pay her. I used credit cards to protect myself against situations like this. XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX {$9300.00} XX/XX/XXXX XXXX XXXX - NFCU XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - NFCU XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX - NFCU XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX - NFCU The total amount XXXX XXXX XXXX took from me was {$31000.00}. XX/XX/XXXX She finally sent another invoice request in XX/XX/XXXX, asking for roughly {$19000.00} more. She stated she would not start until she received those funds. Those were extra and out of contract, but each property was only {$10000.00} to acquire and I had already sent over {$30000.00} for the XXXX XXXX properties. I asked XXXX for proof that she had this exclusive deal with the apartments allowing short term rental, because laws are very strict against short term rentals in XXXX. She sent me spoof emails impersonating those apartments of which I have copies. I visited both apartment complexes in XXXX in XXXX and asked if they had ever heard of XXXX or The XXXX XXXX and they said theyve never spoken with anyone with those names. XXXX hides behind her " cohosts '' and other partners so her name doesn't show up on leases. I showed them the fake emails and they confirmed those werent from their corporation. XXXX had a unit at The XXXX XXXX apartment illegally running short term rental and management found out and evicted her. When I confronted XXXX about it, she denied everything and told me I still owe her money. I never received any services or products owed. I then stopped speaking to her. I hired my own personal lawyer to submit a federal judgement against her. My lawyer spoke to XXXX and refuses to refund me. Since then I have searched for others who have been scammed and found dozens of victims. We have finally found out through multiple private investigators and lawyers that XXXX is a professional scammer. She is linked to multiple evictions, XXXX social security numbers, and federal judgements. The list goes on. As soon as I was aware, I contacted XXXX and Navy Federal Credit Union in XX/XX/XXXX. XXXX immediately refunded the disputed scam amounts. XXXX XXXX has not refunded me and continues to deny protection. I have submitted multiple letters with evidence and called several times. Their online system kicks my disputes back saying I need to submit evidence, but the evidence is clearly attached. When I call they said they would not provide any protection. I paid with credit card on purpose to protect myself from situations like this, but Navy Federal is failing to provide any security. I have been with Navy Federal for a long time as I am a XXXX XXXX XXXX XXXX from XXXX and feel taken advantage of after many years of loyalty as a customer. My last phone call to NFCU was XX/XX/XXXX and they still refused to offer any assistance. Please help me resolve this situation and prevent my credit from being ruined. I have more evidence if needed. | ||||||
| 07/12/2020 | Yes |
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| On XX/XX/XXXX, I applied for a checking account with Navy Federal Credit Union. On XXXX XXXX XXXX, my checking account and membership to Navy Federal was approved. On XXXX XXXX XXXX, I applied for a Navy Federal Go Rewards Visa. I was approved with a $XXXX credit limit. On XX/XX/XXXX Navy Federal allowed me to add the new credit card to my digital wallet. It provided me with my credit card info. I also elected to have the Visa card sent to me via expedited shipping with XXXX for a $XXXX. On XX/XX/XXXX at XXXX, I received the Visa card via XXXX. On XX/XX/XXXX at around XXXX, my Navy Federal Visa card was frozen. I called Navy Federal customer service to see what happened. They asked me to go into a branch to present my ID to verify I applied for the card. At around XXXX, I arrived at the Navy Federal Brand at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and presented my ID and visa card to a banker. 0 After spending an hour waiting, the banker at XXXX XXXX XXXX, XXXX XXXX, CA XXXX stated my lock was lifted from my account. At around XXXX, my card was blocked once again. I called customer service and again, they told me to go into a branch. I explained I had already gone that day. They said that the branch did not notate that I went in so I needed to go in again. On XX/XX/XXXX at around XXXX I again to the same branch and presented my ID and Visa card. After about 30 minutes, they asked me to come back on XX/XX/XXXX. On XX/XX/XXXX at around XXXX I went back to the branch. They informed me that I needed to call the fraud team at Navy Federal and gave me their number. I immediately called them in the car. I was informed that the application for the visa was fraudulent and that XXXX XXXX did not apply for the card. As a result, my account and Visa card is now blocked and will be closed. On my credit report, Navy Federal reported the following: On XX/XX/XXXX NF reported to XXXX and XXXX of New Account On XX/XX/XXXX to XXXX New Account with balance of $XXXX On XX/XX/XXXX NF reported to XXXX that my visa was on time with payment. On XX/XX/XXXX NF reported to XXXX of delinquent account of 30 days of $XXXX On XX/XX/XXXX NF reported to XXXX of delinquent account of 30 days late with account balance of $XXXX. On XX/XX/XXXX NF reported to XXXX that my visa account was 60 days late with balance of $XXXX On XX/XX/XXXX NF reported to XXXX that my visa account was 60 days late with balance of $XXXX On XX/XX/XXXX NF reported to XXXX that my visa account was 90 days late with balance of $XXXX I called Navy Federal at aroundXX/XX/XXXX asking them why they reported my credit card account as 30 days late. They stated that there was a balance of $XXXX on the account that hasn't been paid. I asked them what that was for and they stated it was the balance on my Visa card. I asked them how that could be when they told me that I didn't apply for the Visa card and it's application was fraudulent and that the card and account was closed as ofXX/XX/XXXX. Since XX/XX/XXXX, I had been unable to log into NF website or app. I didn't receive any statement in regards to any balance due. And if visa card was applied for fraudulent by someone other myself why am I being billed for it. I filed disputes with all 3 credit bureaus. All three bureaus replied that my dispute was denied because NF stated all the information was valid and correct. They couldn't give me an answer and told me they would mail me a statement. Here are my issues: 1). If NF stated I didn't apply for the Visa card and closed the account as of XX/XX/XXXX, why am I, XXXX XXXX, still responsible for something NF deemed wasn't applied by me? 2) How am I responsible for paying a statement balance when I did not receive a statement in XXXX, XXXX, or XXXX? 3) How could I make a payment or see a statement when I was locked out from logging in online. 4) How can NF report me as 30 days late in May after reporting on time for XXXX? I did not make a payment in XXXX yet NF reported to both XXXX and XXXX that my account was on time even though I supposedly had a balance of $XXXX. 5) How can NF tell the bureaus that their information is correct and valid when NF reports different amounts owed for the same month to different credit bureaus? 6) The account is either fraud or legitimate. If it's a legitimate account, why did they close it? If it's fraud, why am I responsible for a balance on a Visa card I didn't use or applied for? | ||||||
| 03/15/2019 | Yes |
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| I opened an online banking account through Navy Federal Credit Union in XX/XX/XXXX. The bank allowed me to open my account through a referral and they sent me a red debit card by mailing address. XX/XX/XXXX, I called NFCU at XXXX XXXX CST to update my password. I was unable to update my password for almost an hour with Customer Service. After 57 minutes 51 seconds, they were able to update my password. XX/XX/XXXX, I've noticed my account was locked. I called NFCU at XXXX XXXX CST - Customer Service clearly stated that I need to upload proof of verification of identification. They sent me a link to my via email, which I uploaded my driver 's license and a copy of XX/XX/XXXX XXXX Form. I called NFCU at XXXX XXXX CST to verify my uploaded documents. I was told Customer Service that I uploaded a copy of my XX/XX/XXXX XXXX Form because I don't have a XXXX Form. Customer Service clearly stated that my XXXX Form wasn't approved and I need to upload my documents again by providing proof of residence. Also, I was told that I could upload a utility bill if it wasn't over 3 months from the date. NFCU sent me another link to my email, which the link didn't work because there was an error. I called NFCU again at XXXX XXXX CST and they told me that they were going to send me another link. I received the link and I was able to upload my documents. I uploaded my driver 's license and an updated utility bill. I called NFCU on XX/XX/XXXX at XXXX XXXX CST to see why my account was still locked. Customer Service Rep clearly stated that it takes up to 3-5 business days for my account to be unlocked. XX/XX/XXXX, I realized my account was still locked. I called NFCU at XXXX XXXX CST about the situation and Customer Service told me my documents weren't approved. She stated that my documents were too blurry and that I needed to upload them. I told Customer Service I uploaded my documents twice, which I asked her to see if they received my second upload. Customer Service put me on hold for a few seconds, which she came back to the call and stated that my driver 's license didn't show all 4 corners of the license and my XX/XX/XXXX XXXX Form was approved. I clearly stated to the Customer Service Rep that my XXXX form wasn't approved on XX/XX/XXXX because it wasn't a XXXX form, I was told by another Customer Service Rep that I could upload a utility bill. I asked Customer Service to search for the uploaded document that was made on XX/XX/XXXX. I gotten very upset and said some hurtful words to the Customer Service Rep, which I truly apologize because I know it wasn't the lady 's fault, however I was heated because no one could locate my documents. I was so livid to where a Supervisor had to get on the call to assist me. The Supervisor told me on the call that a Customer could open an online banking account plus the Customer is allowed to fully fund their account without proof of identification. She also stated that NFCU could take up to a year to ask for proof of identification and they could lock their client 's account until proof of verification fot identification is approved. I asked the supervisor, " Why would your company send me a debit card by mail and wait until the last minute for proof of identification? '' Also, I asked, " What if I had a newborn and I needed diapers or to buy milk but I'm unable to because my account is locked? '' She couldn't answer my questions because she knew it was a huge inconvenient. Then the Supervisor stated that NFCU to not to make it " inconvenient '' for their Customers to make them upload their documents immediately when they open their online banking account. I asked the Supervisor, " If your company don't want to make anything inconvenient for their Customer in the beginning, then why wait until the last minute and make things inconvenient in the future? '' The Supervisor stated that she was going to have someone to email me the link by via email. I received another email and the link had an error. I called NFCU today, XX/XX/XXXX at XXXX XXXX CST, Customer Service Rep told me there was nothing wrong with their link and she provided me the correct url link. I uploaded my documents twice while I was on the phone with her to make sure that my documents were submitted. I uploaded proof of identification ( driver 's license ) and an updated utility bill in a PDF Form to prevent blurriness. I'm not sure if there will be another situation with NFCU but we shall see after another 3-5 business days! | ||||||
| 04/04/2020 | Yes |
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Web | Servicemember |
| I recently opened a Complaint with CFPB regarding the Navy Federal Credit Union which discriminates against XXXX XXXX-XXXX and XXXX U.S. Veterans. The CFPB Complaint # is XXXX dated XX/XX/2020 which is still due back for an Answer, however, I recently received a very ironic, demeaning and undermining email from one of the very representatives I was complaining about which I will be attaching to this new CFPB Complaint as well. You have the audacity to send me an email as if you attempted to help by still stating you based the decision for a NFCU Equity Credit Line on my Credit Score! Not only is this a lie, but your organization utilizes your own internal Biased Credit Score Ratings which also denies and intentionally blocks XXXX XXXX Homeowners from receiving Equity Home Line Credits on their home and blocks us from Economic Financial Resources which also another form of Racial Discrimination against XXXX XXXX Again, when I applied for the Equity Line of Credit in XX/XX/2020 which is referenced in CFPB Complaint # XXXX dated XX/XX/2020, I was informed by a Mortgage Loan Manager that my XXXX Score needed to be at least a 600 to qualify for the Equity Home Line of Credit. My Credit Score with XXXX was and still is within this scoring parameter which was discussed with me on around XX/XX/2020. However, when I received a letter from the NFCU, they denied me regarding their own internal and discriminatory scoring system which also identifies what XXXX the applicant is as well. Also, I was informed that I could escalate and send a letter relating to any extenuating circumstances to request a Credit Exception which I completed and sent in on XX/XX/XXXX referenced and attached in CFPB Complaint # XXXX dated XX/XX/2020 and they ignored my request because surely the content within this letter should have been taken into consideration regarding our daughter who was extremely ill and hospitalized for over 34 Days including XXXX for a major life-threatening medical condition and XXXX which affected our credit score even and financial circumstances. As a result that is what you see being reflected in our scores and content within, although we met the initial XXXX Score requirements of at least 600 to submit for an Homeowners Equity Line of Credit, otherwise, I would not have submitted the application. Also, since we were just beginning to trend froward prior to the COVID-19 Catastrophic Epidemic currently taking place all over the World, they are now utilizing this event to also discriminate against XXXX XXXX who need access to Financial Resources, although they do and/can technically qualify for the financial resources, but instead due to financial greed and Racial Discrimination the Navy Federal Credit Union has denied us access from receiving an Home Equity Line of Credit and should be investigated by SEC for their illegal, discriminatory and retaliatory practices exhibited toward XXXX XXXX XXXX Minorities. Also, no one at NFCU reached out to discuss our letter explaining our extenuating circumstances which affected our Credit Scores, although they have been skewed by their own internal credit scoring system which creates another layer of discrimination as well which is extremely unacceptable because they do not utilize these tactics with other Majority ethnicities. Also, the income to debt ratio can not be falsely thrown in here as well because we submitted the Tax Return request form during the Application process which would have reflected more than enough to be under the DTIR threshold and you also lied that our Application was in Underwriting on a number of occasions and then at the last minute informed me that the Credit Committee decided that we did not meet the Criteria which means our Application never proceeded to the Underwriting department as was stated numerous times starting with my call-in and follow-up on XX/XX/2020. Also, the email attached in this Complaint which sent by the representative was another demeaning, sarcastic way of responding prior to sending a CFPB response back relating to : CFPB Complaint # XXXX dated XX/XX/2020 which they still have to respond to. You would have the same representative who was avoiding me from the beginning of this application process send a deriding response to me which still does not resolve the Discriminatory behavior you exuded towards me and my husband as XXXX XXXX XXXX and U.S. Military Veterans. Unacceptable and Shame on You NFCU! | ||||||
| 09/01/2023 | Yes |
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Web | Servicemember |
| I am a Navy Federal Credit Union Customer. I have been for many years. I have been in the market to purchase a used vehicle for the last month. My last vehicle was totaled. Someone rear ended my vehicle, while I was idling at a red light. The journey to find another vehicle has been overwhelming and very tiresome. I applied for two pre approved car loans. One through XXXX XXXX and the other one through Navy Federal Credit Union. I was pre-approved to begin vehicle searches for both XXXX XXXX and Navy Federal Credit Union. I selected to continue the auto process through Navy Federal Credit Union. I searched the Navy Federal Credit Union Used Car Auto site and found a truck. I went to the Federal Credit Union Site to complete my entire car loan application. With no problems, I was approved. The online car loan site gave me several options to choose from for a car loan, but I selected the one with the VIN number option because I had a VIN number. I was not aware that this was a " set in stone option ''. There was no note or " be aware '' notification to say that the promissory note could not be transferred if I did not go with the original Car Dealership. As a consumer, I would not have known this stipulation because it was not explained on the Online Car loan site. After several attempts to work with the original Dealership ; the truck failed two pre-inspections. I had no choice to not do business with this dealership. We did not finalize the original paperwork and I did not hand over the check. The check is {$17000.00} ( I was approved for this amount around XX/XX/XXXX ). It was still at the branch waiting for me to pick up the cashier check. I found another truck from a different dealership. The dealership was also located on the exact Navy Federal Credit Union Used Car Auto site. Both dealerships were certified to be honest dealers. The first one did not work out, but the second dealership was honest. The second truck I selected to purchase passed the first pre-inspection. The truck was a good purchase. I made my way to the Navy Federal Credit Union in XXXX Texas to pick up the check. I waited for 30 minutes to see a bank branch representative. I was able to meet with a bank branch representative and she provided me with the Auto Loan Check with the new Dealership 's name on it. As I proceeded to leave the bank, I noticed the amount of the check was not the same as on the new contract from the new Dealership. I proceeded back into the bank to bring this to the bank branch representative attention. She stated she could not alter the amount on the new contract and that I should have the new Dealership to add on new items to equal the check amount of {$17000.00}. This did not make sense so I asked for a branch manager. I want to simply ask if the promissory note can be changed to reflect the new dealership. I have research and the Promissory note does not say it can not be altered or transferred by Navy Federal Credit Union. I have already been approved for the {$17000.00} car loan. The new amount is lessor and I have a truck waiting for me at the dealership to purchase. I have made several attempts to rectify this matter and no success. I was told to apply for a second car loan and of course I was denied. I would be denied because my Debt to income Ratio has decreased because I have been approved for a {$17000.00} car loan, which is now on my credit. My credit score dropped by XXXX points because of the Navy Federal Credit Car loan. I did try to go back to XXXX XXXX. I was denied. I have a promissory note for a car loan already pending with Navy Federal Credit and my credit has changed within the last two weeks. If I try to go through other third party lenders, my interest rate will be higher than the 9 % I once had with XXXX XXXX and the 10 % I was approved already with Navy Federal Credit Union. They will determine this because of the other inquiries and the outstanding loan amount with Navy Federal Credit Union. The auto loan amount is active with Navy Federal Credit Union and I have already made a car loan payment toward that loan amount. IT IS AN ACTIVE LOAN!!! I am asking for this matter to be resolved within 24 hours. I have a car waiting for me at a local XXXX XXXX XXXX. A XXXX XXXX XXXX for only {$15000.00} ( does not include the tax, title and fees ). It only has XXXX miles. The truck is in excellent shape. PLEASE HELP ME. Thanks God Bless XXXX XXXX XXXX | ||||||
| 02/11/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023 Navy Federal Credit Union took {$640.00} from my checking account. They claimed it was to pay off a debt owed to them. I asked a customer service supervisor named XXXX where in the contract it explicitly states they can transfer funds from my checking to savings account. He could not provide that information. He read a disclosure agreement for a secured credit card application. I had an unsecured credit card with Navy federal Credit Union which is an open-end credit plan under 15 USC 1602 ( j ) and 15 USC 1637 . I communicated with a woman named XXXX from the collections department of Navy Federal Credit Union on XX/XX/2023 and she was unable to state the exact contract agreement that states they are able to transfer funds from my checking account either. She stated I can make a payment arrangement and credited my account {$200.00} but still couldn't tell me the the agreement. She couldn't say why only {$200.00} and not the entire amount when I am specifically asking where does it state per contract you can take the funds from my contract. She constantly says she doesn't have a disclosure agreement in front of her and can not send one to me. XXXX transferred me to a credit card representative so they can provide a disclosure agreement. That representative was unable also to read the exact part that states they can transfer funds from my checking account to pay off a debt. He attempted to send via email but that sent me to an invalid link. So I communicated with a customer service representatives, credit card representatives and collations representative but no one has been able to validate this within the contract to transfer funds from checking account to pay off supposed debt. I have read to them every time the credit card Agreement and Disclosure I have which they acknowledge but nothing under section 11 ( default ) or section 12 ( closing or suspending account ) states they can transfer funds from my checking account. I spoke with a supervisor named XXXX today XX/XX/2023 within Navy Federal Credit Union from the credit card department and asked her how was the credit card funded. I asked if it was funded by the credit unions reserves or was it an extension of my credit as a consumer? She stated she doesn't know, then asked what do I mean... I asked again was my credit card was funded from the credit union reserves? She mentioned that she doesn't know. I asked her was there a finance charge I was paying on and how much did I pay? She stated she doesn't know. XXXX did tell me how to see how many payments I've made towards the credit card by looking at previous statements. She was still unable to tell me how the credit card was funded. I communicated with her how it was funded determines how I can lawfully pay off my debt. The finance charge does not include charges of a type payable in a comparable cash transaction under 15 USC 1605. So the payments that were made from cash were unlawful methods of payment they collected at Navy Federal Credit Union for the supposed debt. They also haven't validated how they funded my credit card. I am a consumer under 15 USC 1602 ( i ) who did a consumer credit transaction 15 USC 1679 ( a ) ( 2 ) which created an open-end credit plan 15 USC 1602 ( j ) that didn't have an end term. My account was closed because of non-use but I couldn't use it since they claim I was over my limit. Navy Federal did not state clearly a lawful way to pay since cash can not be used to pay off a supposed debt from a finance charge. After communicating with the several representatives of Navy Federal Union Credit they still haven't provided three things for my clarity. They have not clearly provided proof they can transfer funds from a checking account to pay any supposed debt. They have not clearly stated how credit cards are funded so the consumer can be aware of how to lawfully pay an obligation to the Credit Union if it comes from their reserves or an extension of credit from the consumers original credit card account. If it's an extension from the consumers credit card account, Navy Federal Credit Union can not close that open-end credit plan and it will be funded from the consumer original credit card account they extended credit form and reset debts every moth from that account. Finally they never stated when they will return all my total {$640.00} back into my checking and when I will get unlawful payments returned back also. | ||||||
| 07/31/2020 | Yes |
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Web | Servicemember |
| Navy Federal is violating the new CARES Act reporting requirements under 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ) On XX/XX/XXXX Navy Federal agreed to make a payment arrangement and accept my {$400.00} payment, which was set to arrive from an external bank no later than XX/XX/XXXX. My payment to them was late due to a move across the country from XXXX to XXXX that was caused SOLELY by the Covid-19 Pandemic. At the time of the XX/XX/XXXX phone call, I was NOT more than 30 days late on my payment. Instead of reporting my account as current as they should have after agreeing to a payment arrangement ( accommodation ) on XX/XX/XXXX they reported my account as late on XX/XX/XXXX This is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ) as the Cares Act requires the following : If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. Under the 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ) CARES act, if my account was already delinquent and I make an agreement and bring my account current, the creditor must report that I am current on my account. My understanding of the CARES act is that any accommodation qualifies, and when Navy Federal made a payment arrangement ( accommodation ) on XX/XX/XXXX to accept my {$400.00} payment by XX/XX/XXXX, that was an agreement ( accommodation ) provided by a creditor voluntarily. This accommodation can relate to a mortgage loan, credit card account, a car loan, or any other agreement altering payment obligations. Navy Federal agreed ( made an accommodation ) to accept my payment arrangement of {$400.00} by XX/XX/XXXX. I explained that the payment was late DUE TO A MOVE CAUSED BY THE PANDEMIC and then I was still reported as late to the credit bureaus. On XX/XX/XXXX, I was less than 30 days delinquent on my account when a Navy Federal Payment Specialist contacted me by phone. I indicated I had moved in the middle of a pandemic, across the country by myself with XXXX kids and that I had forgotten to update my address directly with Navy Federal although I did with USPS. This resulted in non-receipt of my bill which then caused my payment to be late. A Payment Arrangement of {$400.00} to be there by XX/XX/XXXX was made during this phone call, my account was noted and my address was updated. ( Payment arrangement notation on my account was confirmed with XXXX during XX/XX/XXXX phone call at XXXX ) There was a subsequent phone call on XX/XX/XXXX or XXXX where I called in to address why my account was reported late to the credit bureau XXXX when Navy Federal agreed to accept a {$400.00} payment arrangement per the XX/XX/XXXX phone call. I also requested removal of the {$20.00} late fee, which was subsequently approved. I have provided Navy Federal with a text message from myself to my boss, XXXX XXXX of XXXX XXXX XXXX XXXX. This text message predates this issue by almost 3 months. In this text message, I am notifying my boss of the relocation from XXXX to XXXX was for a XXXX XXXX position my husband took, and I address that this move was caused solely by the pandemic. There is also a letter dated XX/XX/XXXX which substantiates the text and includes her contact information. I also provided Navy Federal with a letter from my real estate agent who indicates that we hired him to sell our home, so that we could relocate from XXXX to XXXX because of the pandemic. The multiple phone records with Navy Federal should reflect that I indicated I was not having trouble paying my bill due to Covid ( which is the truth, I am financially able to pay my bill ) but I disclosed several different times to Navy Federal that my payment was LATE due to Covid. As such, the CARES act provisions still apply as my ability to make a timely payment was affected solely by this pandemic. Per my XX/XX/XXXX recorded phone call with Supervisor XXXX, Navy Federal is offering covid relief to customers who make an agreement like I did in the form of bringing the account current plus 30 days. As such, my account should have been brought current plus allowing 30 days for the payment to be posted. Since I was not 30 days late at the time the agreement ( accommodation ) was made on XX/XX/XXXX, my account should have been reported as current to the credit bureaus on XX/XX/XXXX. Navy Federal refuses to correct this inaccurately reported information. | ||||||
| 12/14/2022 | Yes |
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| I opened a savings account at Navy Federal Credit Union on XX/XX/XXXX, to pay the loan I was getting from the bank. The teller and I discussed a checking account, and I advised her I did not need XXXX if I could pay the loan through my savings account. I was told before that, there were no options to pay the loan outside of transferring from a Navy Federal account or paying in person. I then transferred XXXX on the XXXX of XXXX On XX/XX/XXXX I transferred XXXX from my XXXX account to my Navy Federal savings account. Thereafter I waited for the car to arrive. I received an NFCU text message saying there may be suspicious activity on the account at XXXX XXXX on XX/XX/XXXX. I checked my account immediately after I noticed the text message. I noticed a new checking account and that my money was gone. Someone had created the checking account, transferred the money from my savings to the checking, and then transferred a total of XXXX in XXXX transfers to another bank to XXXX XXXX. I do not know this person. I called Navy Federal immediately and told them what happened. The initial person in the fraud dept. told me that there were several IP addresses that had accessed my account XXXX XXXX XXXX XXXX He told me the name of the person to whom the money was sent, and I told him I did/do not know him. We began the process to secure my account and remove the unrequested and unauthorized checking account. At that time, a second checking was created by the agent to close the unauthorized checking account with the understanding it would be closed too. It was not needed. He said it would take up to 10 days to hear something back. I went to the branch where I opened the account to let them know what happened and to continue securing the account. I did not hear anything after a few days and called. The standard answer was they sent the request for funds to the other bank but have not heard from them. I called a few times to check the status and was told it could take up to 60 days. I didn't hear back from navy federal until I received a letter dating XX/XX/XXXX. It stated they found no error, so I was responsible for the transactions. Once I received the letter, I called the number listed provided. The answer from the initial fraud agent as well as the supervisor was that they couldn't determine if it was fraud or not. The supervisor said navy federal has no other recourse to return the funds if the other bank does not return them. Later that day I called back for the name of the bank the funds were sent to. It was the XXXX XXXX XXXX, which I had never heard of prior to the agent telling me. I have no association with the bank or the person the funds were transferred to. I filed a police report on XX/XX/XXXX case number XXXX XXXX XXXX. I called NFCU back that afternoon to request to speak with the CEO of the bank. They advised me there was no direct way to speak and that they wouldn't be available at that time. I was asked if I knew about the appeals process after she asked me to tell her what happened. I advised her that I wasn't aware and questioned why the fraud department didn't advise me of it. She asked if I wanted to speak with her supervisor in Customer Accounts. I said I will go through the process. I spoke with her and she didn't understand why it was denied and stated she would get back to me late afternoon the next day. I advised her I would go to the branch and speak with a manager. I went into the branch on XX/XX/XXXX and spoke with the assistant manager. At first, she said I would have to take the legal route then she said she'd have to talk with that department to get more information. I told her to call, and she did. The fraud department came back and said the transaction was from XXXX device. I asked if it came from mine. She just said a device. I told her they were lying because the initial fraud agent had already told me the transactions were made XXXX XXXX XXXX. She then told me to fill out an appeals form and I did. She told me 15 days is what's on the sheet but there is no guarantee of when they would get back to me. I did not create an account to transfer money to someone else I don't know. The Navy Federal bank was/is only going to be used to pay the loan. I did not authorize anyone to create and checking account and transfer to a person I do not know, and a bank I know nothing about. Navy Federal denied my request for funds to be returned based on nothing I did. | ||||||
| 11/16/2021 | Yes |
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Web | Servicemember |
| I, XXXX XXXX XXXX , am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) //// NAVY FEDERAL CREDIT UNION is a debt collector pursuant to 12 CFR 1006.2 ( i ) ( 1 ) and 15 USC 1692a ( 6 ) who regularly collect or attempt to collect, directly or indirectly debt owed or allegedly owed//// Without my direct consent NAVY FEDERAL CREDIT UNION have used my Social security Card aka `` credit card '' as defined under 15 USC 1602 ( i ) '', to collect funds for their own benefits, and transfer it to me as a loan, without having any authority for such use, which is an unauthorized use under 15 USC 1602 ( p ), NAVY FEDERAL CREDIT UNION never revealed the name and address of the original creditor in ANY of the alleged loan document. ///// I entered into a consumer credit transaction with NAVY FEDERAL CREDIT UNION on March 13, 2019, this consumer credit transaction includes a finance charge pursuant to 12 CFR 1026.4, NAVY FEDERAL failed to explain in any of the alleged loan documents the method of determining the finance charge as mandated under 15 USC 1602 ( v ) //// NAVY FEDERAL failed to disclose what must be included in the finance charge, which shall be disclosed clearly and conspicuously in accordance with 12 CFR 1026.17 and 12 CFR 1016.3. ( SEE ATTACHED EXHIBIT ) ////// NAVY FEDERAL is in Violation of 15 USC 1605 ( a ) ( c ) and 12 CFR 1026.4 ( b ) ( 8 ). This consumer credit transaction includes a " finance charge '' and the Finance charge shall include premium insurance against loss or property damage or against liability arising out of the ownership or use of the property. NAVY FEDERAL did not disclose that my insurance must be included in my finance charge, but instead forced me to purchase insurance separately. SEE ATTACHED EXHIBIT////// Pursuant to 12 CFR 1026.23 ( b ) and 12 CFR 226.15 ( b ), NAVY FEDERAL CREDIT UNION shall provide the consumer with appropriate forms and Notice of Right to Rescind any transaction . NAVY FEDERAL failed or neglected to provide/disclose the appropriate form with the required " Notice of Right to Rescind '' to clearly and conspicuously disclose when the rescission period expires, which is 3 years if the required notice or material disclosures were not delivered./////// Pursuant to 12 CFR 1026.23 ( a ) and 12 CFR 226.15 ( a ), I HEREBY RESCIND the consumer credit transaction granting any security interest to NAVY FEDERAL CREDIT UNION ///////. NAVY FEDERAL CREDIT UNION willfully and knowing misrepresented the " Truth in Lending Disclosure '' to create false and misleading representation about the use of credit, therefore NAVY FEDERAL CREDIT UNION and its agents are civilly and criminally liable under 15 USC 1611 and 15 USC 1640 ////// I sent NAVY FEDERAL multiple letters requesting the name and address of the ORIGINAL CREDITOR with no success. //// Pursuant to 12 CFR 1006.38 ( c ) the FDCPA under Disputes and Requests for original-creditor information. Upon receipt of a request for the name and address of the ORIGINAL CREDITOR submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt until the debt collector : ( 1 ) In general. Sends the name and address of the original creditor to the consumer in writing or electronically in the manner required by 1006.42///// I AM STILL DEMANDING THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR TO THIS DAY //// NAVY FEDERAL never ceased the collection of the imaginary debt even after multiple disputes, collected the FULL amount of the alleged debt ( nearly {$12000.00} ) ////// NAVY FEDERAL furnished deceptive forms under 15 USC 1692j and 12 CFR 1006.30 ( e ), which creates false beliefs about the creditor, that other person than the creditor is participating in the collection or attempting to collect the alleged debt ///// NAVY FEDERAL CREDIT UNION based on false and misleading representation of allege contract ( SEE ATTACHED EXHIBIT ) with undisclosed material facts, constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) and 15 USC 1692f ( 1 ), a misleading collection pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e////// EVEN AFTER THE ALLEGED LOAN WAS PAID IN FULL, NAVY FEDERAL IS UNABLE AND REFUSED TO SURRENDER THE ORIGINAL INSTRUMENT ( Promissory note ) AS MANDATED UNDER California Commercial Code 3501 ( b ) ( 2 ) and UCC 3-501///// | ||||||
| 10/02/2017 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX a Navy Federal employee called my parents home phone number ( XXXX ) XXXX ; this number was not listed by me on my banking profile. ( I was advised by another Navy Federal Employee that NFCU uses a tracer software to find phone numbers associated with customers who do not respond to NFCU phone calls ). On the phone call that took place on XX/XX/XXXX on ( my parents land line ) the Navy Federal associate asks to speak to me ( XXXX XXXX ). My father was a XXXX patient at the time and was going through a rough XXXX session, which XXXX his XXXX ; he misheard the associate, and obliviously said " yes this is me ''. The Navy Federal associate then goes on and reveals my entire finances involved with the bank to my father. I.E The amount of the loan I have, the type of loan I have, How many monthly payments I am behind, the total amount of the deliquency, and how much my monthly payments are. The problem here is, on outgoing calls made by NFCU, they do n't have a policy that confirms the recipient of the phone call is actually the person they are trying to reach out to i.e social, birthday, secret question/answer, secret passcode or anything. Whatever number they find and decide to call from the tracer app, the recipient just has to confirm " Yes, this is ___ speaking ''. I understand that policy, but where is NFCU due diligence? Their employees should be trained to know when someone falsly states they are someone else. I mean come on, you do n't think I would know the type of loan, the amount of the loan, and how much my monthly payments are. HELLO!!! DING DONG genius, that should ring a bell. My father confused, thinking this was for him kept asking her questions to get to the bottom of it, and the NFCU associate kept answering every single one of this questions. That is extremly troubling, because this puts my financial information and other senstive imformation completely exposed and at the mercy of NFCU non-existent and weak policy on outbound calls. Luckily ( for NFCU ) it was my father, and not an outsider. Regardless, I did not want him to have an idea about this debt, as I knew it would stress him out, and that is the single WORST thing for a XXXX patient. As I anticipated my father fell even more ill because of this. This soured my relationship with my household, as my dads medical bills started piling up. I reached out to Navy Federal regarding this matter on several different occasions, via several diff modes of communication. The first email i sent regarding this matter was not even replied to! Noone from NFCU reached out to me regarding this issue which is extremely concerning. I reach out to them again a couple of weeks later, via phone and social media and ultimately NFCU associates were completely unapologetic and offered me no source of compensation, NOT EVEN AN APOLOGY. They claim that the phone call mentioned above was never recorded ; how convenient is that? How many outbound calls that are in collections are rocorded? My guess is the dirty business of collections does n't record any outbound collections calls, and record calls that would benefit the company. AGAIN, WHERE IS MY FINANCIAL PRIVACY? WHERE IS NFCU FIDUCIART DUTY TO ME? CAN THIS BE ANY MORE DISRESPECTFUL? and UGLY? They stripped me of my right as an American Citizen to financial freedom, and privacy. I served this country for over 8 years and continue to serve. For what? so billion dollar banking animals NFCU leak my sensitive information? Luckily ( for me ) the entire phone call was recorded on my parents answering machine for some odd technical issue. I have a top secret security clearance and work with extremely classified information. At the rate the the NFCU associate was going, she would have no problem telling the recipient of that phone call ( my father ), all of my sensitive data. This puts not only strips me of my financial privacy but also puts my well being at risk. The funny thing is 2 weeks prior to this incidence i called Navy federal to bring all my accounts current, and again due to their internal error my forbearance for one of the loans was not correctly processed. I was under the impression that it was. Instead of calling my cell phone and notifying me ( the only number I listed on their system ) they would call my parents home phone over 7 times a day. Should NFCU not satisfactorily resolve this issue, I will press charges. | ||||||
| 08/28/2019 | Yes |
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| I signed up for the Navy Federal Flagship credit card, which has an introductory offer which states that customers shall earn XXXX bonus points after spending at least {$4000.00} within the first 90 days from opening the account. The terms and conditions are stated here : https : //www.navyfederal.org/loans-cards/credit-cards/offers/flagship-visa-signature.php Offer valid for cardholders issued new Visa Signature Flagship Rewards Credit Card accounts. To be eligible for the XXXX points offer, you must make {$4000.00} or more in net purchases within 90 days of account opening. Rewards are earned on eligible net purchases. " Net purchases '' means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions : cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards ( e.g., money orders, Visa XXXX XXXX, XXXX XXXX XXXX and other cash equivalent gift cards ), may not be eligible purchase transactions and may not earn rewards. Please allow up to eight weeks after the 90-day period for the XXXX points to post to your rewards balance. Account must be open and not in default at the time the XXXX points are posted to your rewards balance. Limit of one promotional offer at account opening. Valid for offers applied for from XX/XX/XXXX to XX/XX/XXXX. Navy Federal reserves the right to end or modify this offer at any time. I opened my account on XX/XX/XXXX and spent {$5800.00} within the first 90 days. As of XX/XX/XXXX I still had not received the introductory bonus points promised in the terms and conditions, so I sent them this message through their online banking system : > Your Message XX/XX/XXXX : Hello, I previously contacted Navy Federal to check if I had qualified for the Flagship credit card introductory points offer, and received this response. > Navy Federal Response XX/XX/XXXX : > " Thank you for your message. We confirm, you took advantage of our Flagship promotion to spend {$4000.00} in net purchases within the first 90 days of your account open date, XXXX XX/XX/XXXX, and get XXXX bonus points. Also, the Annual Fee is waived the first year. Per the terms of the promotion the bonus rewards will post 8 weeks after the 90 day-period, if qualified. As of XXXX XXXX, you have had {$4000.00} in net purchases post to your account. '' > I called Navy Federal 's customer support number and was informed that the points would post within 8 weeks following the 90-day period from account opening. > I checked my account transaction history, and it states that I made {$5800.00} in net purchases within the first 90 days from opening the account. However, I still have not received my introductory bonus points. Could you please add these to my rewards account balance? On XX/XX/XXXX, I received the following response : > Navy Federal Response 08/27/2019 : > After reviewing your account, we have found that the charge for {$1900.00} to XXXX*XXXX Bill Payment that posted to your Visa Signature Flagship account on XXXX XXXX. This transaction was sent as Quasi Cash which does not qualify for reward points. Therefore, this transaction does not qualify for this promotion and will need to be removed from the original amount provided to you. Since you did not spend the required amount for the spend promotion, you do not qualify for the bonus rewards. Their explanation states that they consider one of my transactions during the introductory period to be " quasi cash '' and therefore ineligible for the bonus points offer. However, this is inconsistent with the terms and conditions printed on their website and in the credit card application, under which this transaction ( a bill payment I made using the credit card ) counts as a net purchase. Essentially they offered a bonus worth {$500.00} for spending {$4000.00} using the card, then after I had spent {$5800.00}, they changed their spending criteria, subtracted {$1900.00} from my qualifying purchases, then used this to retroactively refuse to pay the bonus points offered in the application. This is equivalent to stealing {$500.00} from credit card customers. | ||||||
| 12/22/2021 | Yes |
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| I submitted a CFPB complaint back in XX/XX/2021 and I am writing today in regards to the same complaint. I am asking the CFPB to assist me with resolving this situation set forth today. I lost my wallet and my cell phone that contained my personal identification information, credit card information and debit card information. Someone accessed my account without my knowledge or consent and illegally electronically transferred funds from another account into my account. I am not sure what happened after this but I was locked out of my banking profile and I notified navy federal as soon as I was aware. I was a victim of identity theft so I filed a identity theft report pursuant to 15 USC 1681a ( q ) ( 3 ) ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. I sent this identity theft report to navy federal through the CFPB in my previous complaint and this was their response : " The following references the complaint we received on XXXX XX/XX/2021 from the Consumer Financial Protection Bureau on behalf of Navy Federal member XXXX XXXX XXXX. The complaint was assigned a case number of XXXX. We have researched our members concerns. We completed an investigation of XXXX XXXX claim of unauthorized activity and found it to be unsupported. Based on the facts of our investigation, the claim has been denied and our member remains responsible for the activity on his account. Should XXXX XXXX have any questions, he may contact XXXX XXXX, Assistant Vice President, XXXX XXXX XXXX, by calling XXXX, between the hours of XXXX XXXX XXXX XXXX XXXX, Eastern time, weekdays '' - end of response. I Submitted a valid identify theft report filed with the FTC. Pursuant to 15 USC 1681a ( f ) navy federal credit union is a credit reporting agency because it regularly furnishes information in its file about consumers, term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.Navy federal said they conducted an investigation of my claim of unauthorized activity and found it to be unsupported, but navy federal never sent any results from the investigation that was completed to myself or to the CFPB. navy federal said they conducted an investigation, pursuant to 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. So who did navy federal interview or contact during this investigation that confirmed that I made these fraudulent transfers and can they send us proof? I'm requesting that navy federal credit union provide me and the CFPB with documentary evidence pursuant to 15 usc 44 relating to the fraudulent charges that took place on the account that hold me the consumer liable. In commerce an affidavit of truth stand as truth, I am also asking that NFCU provide myself and the cfpb with an affidavit of truth sworn under the penalty of perjury stating the facts found upon completion of this so called investigation, that holds me the consumer liable to the charges the occurred from that fraudulent unauthorized electronic funds transfer. I have been going back and forth with navy federal about this account for years and I am and deeply stressed by this matter. navy federal has restricted access to my deposit account and this is affecting how I can operate in commerce. I am asking the CFPB to help me look in this matter so that we can finally resolve this situation. navy federal has caused me enough mental stress and aguish. copies of the federal laws and the FTC report that I submitted to will me uploaded below. thank u and please help me resolve this matter asap. | ||||||
| 09/11/2023 | Yes |
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Web | Older American |
| I applied for this loan XXXX days ago. The loan representative was out of town, had system problems, did not return calls, was delayed in responding, did not make phone calls to me, I had to initiate all communications especially by phone. Finally, I began to call and spoke to other reps at the office I was told I did not qualify, based on my XXXX XXXX income. I spoke to a supervisor and told them that I did qualify based on my XXXX distributions. When the loan representative was again delayed in processing the loan, I asked for another representative and was told that she was the best, and that I could not have another representative assigned to my loan application. Eventually, after more delays, I asked for another representative. I have been asked for an inordinate amount of proof of my finances. I have been asked proof that I sold a house a year and a half ago, by providing an escrow statement. After I provided the escrow statement and the final mortgage statement which showed that the bank sent me a final statement showing a XXXX balance, I was asked to submit a signed document attesting that I sold a house a year and a half ago. When I was asked for XXXX months of bank statements, I provided them. I was asked to provide statements before they were available because the month had not ended. I provided the statements once they became available. I was asked to provide statements from transfers between accounts, at the financial institutions where I am applying for a mortgage. I explained that the reasons for the transfers were to show proof of funds when I my realtor and I made offers to buy a home, and that my realtor recommended I only show enough funds for proof of funds for each offer. I was asked to provide statements that show additional transfers between accounts which I had already provided. I was asked to provide proof where my transfers were from external sources. I provided a detailed account that showed the transfers, which I which I was asked to substantiate were not from outside sources into their institution. For that I received an angry and mocking voicemail from the rep. stating that they did not need me sending them that. I sent them an email stating the reason I provided detail was because they were asking for detailed external sources of funds, when there were none. The bank statements clearly show that I have more than enough funds for the down payment and closing costs and have shown that for almost XXXX months now. If funds are coming in from my other accounts, the transfers show that they are clearly in my name and not coming in with someone else 's name. Initially I was asked to provide XXXX months ' worth of information, now it is XXXX months ' worth of detailed information, from accounts which do not contain my down payment or closing costs. Additionally, I am now being asked for information from accounts which do not contain the down payment amounts, because there were transfers from them XXXX months ago. Every time I provide the information required ; I am asked to provide additional information. Sometimes with a deadline that I must reply within XXXX hours. At this point, I don't wish to provide additional information. Obviously, the accounts are in my name only and any transfers from my other accounts are in my name only. The funds have been available from the date that I applied for the mortgage. My credit rating is excellent, my down payment is 90 %, I am asking for a very small loan. I am XXXX. This is not the first time I have applied for a mortgage. This is the most extreme loan processing experience I have ever encountered. I feel discriminated against because of my XXXX sources of income, my age, my marital status, my gender and/or my ethnicity. Perhaps because I complained about the first representative assigned to my loan for not being available to communicate or process the loan. I have never experienced anything like this. If they don't want to make the loan, why didn't they just turn me down. Competing against buyers who have approval or at least quicker response to a loan application has made it more difficult to make offers. Dragging this on while I have an offer that is accepted is just more and more stressful each day. What are these people trying to prove? Or do they want me to discontinue my loan application, give up and just go away. | ||||||
| 06/10/2023 | Yes |
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| On XX/XX/XXXX, I was approved for a Residential Mortgage Loan with Navy Federal Credit Union. However, on XX/XX/XXXX, I received a denial letter in the mail. The letter stated the reasons for denial were no credit experience and can not verify assets. I was completely caught off guard by this because the last communication was XX/XX/XXXX, XXXX advising she would be out of the office due to a death in her family. Unfortunately, my loan officer was not responsive to my calls, text messages, nor emails, so XX/XX/XXXX I had to email a supervisor by XXXX XXXX advising XXXX was not responsive to me. XXXX Pre-approved XXXX XXXX Left VM @ XXXX XXXX XXXX l responded via text advising XXXX she can contact me anytime - no response XXXX I left a voicemail XXXX she called back/ during this call I advised XXXX I had property that I was interested in and I had a draft copy of it because it was not signed by me nor the builder. And the purchase agreement listed another lender which was an FHA loan. I advised my agent I would sign once I hear back from Navy Federal because I would prefer them ( NFCU ) due to No PMI. During the call on XXXX XXXX advised me to upload the purchase agreement as-is so that my numbers would be most accurate. XXXX Sent Preapproval letter via email XXXX I uploaded the draft copy of my purchase agreement XXXX I called, texted, and emailed XXXX asking for estimates for the different options of mortgages XXXX she texted back said she was in a meeting- no call back XXXX Called and email sent to XXXX XXXX no response XXXX Text sent to XXXX asking for the status of her getting the estimates back to me - no response XXXX Email sent to XXXX XXXX because XXXX XXXX XXXX XXXX supervisor was out of the office on extended leave. XXXX responded apologizing for XXXX not responding and said that she had submitted my loan to the team that provides loan estimates and she asked if I needed anything else, and she advised that I needed to update my loan information on the purchase agreement to reflect conventional because my loan with them would be conventional. XXXX XXXX responded via email with projection of closing cost with just XXXX of the options I asked about based on draft purchase agreement XXXX I advised XXXX still waiting on details of other mortgage options - No further response from XXXX. XXXX XXXX finally responded with all of the mortgage options I had asked about XXXX I sent an email to XXXX advising I had to pass up the lot listed on the draft purchase agreement because I could no longer hold up that property without signing because I was waiting to get my mortgage options from Navy Federal. XXXX XXXX responded via email that she requested to have my application re-keyed. She said I will get a new application number but all of my documents would be transferred to a new application. I didn't understand this because I was just simply looking for another property. XXXX XXXX sent an email advising she would be out due to death in her family XXXX I received a denial letter in the mail from Navy Federal Credit Union. The reason for denial was no credit experience and can not verify assets. XXXX I emailed and called XXXX to discuss why I was denied. No response XXXX I called the customer service line for mortgages and the rep tried reaching XXXX but she did not answer her either. XXXX She tried XXXX 's backup XXXX XXXX XXXX who stated she was about to go into training in XXXX minutes and she would call me back but she never did. I asked for a supervisor call back but no one ever called back. I received subpar customer service from Navy Federal and then a denial letter out of the blue. Unfortunately this is discriminatory based on my race. I had at the time of this situation a XXXX credit score with 29 years of credit experience and XXXX in my XXXX XXXX XXXX. I do not understand why I was denied nor did anyone care to explain to me why I was denied. I would like this to be investigated for discrimination based on race. I would like the Navy Federal Credit Union held accountable for their biased behavior. According to my research, the Navy Federal Credit Union is XXXX percent more likely to deny XXXX applicants than comparable XXXX applicants. My research data was found on the HMDA ( Home Mortgage Disclosure Act ) report for XXXX and XXXX. I just want to be treated with respect and decency. | ||||||
| 01/30/2022 | Yes |
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Web | Older American |
| Last XXXX, my wife and I applied for a mortgage at Navy Federal Credit Union. We were initially preapproved for a loan of XXXX and then approved for an increase to {$700000.00} on XX/XX/XXXX. The loan rate was locked at 2.625 % with no points with a target closing date of XXXX. Our down payment was a significant amount at 47 %. We paid for an appraisal and promptly submitted paperwork including personal tax returns and corporate returns for my real estate partnership. On XX/XX/XXXX, our loan officer XXXX XXXX XXXX notified us that the estimated completion date for the appraisal was XXXX after which our application would be submitted to underwriting for review/approval. On XX/XX/XXXX, underwriting requested signed copies of the tax returns along with signed copies of income and expense statements. After 12 days of not hearing anything, XXXX XXXX sent an email on XX/XX/XXXX indicating the closing date of XXXX would have to be delayed but did not provide any reasoning. Unable to contact XXXX XXXX XXXX I contacted her supervisor XXXX XXXX and discussed the lack of communication about my loan from XXXX XXXX. I also emphasized the need to close on XXXX. XXXX XXXX assigned a new loan officer, XXXX XXXX, to the case in order to expedite the application. Both XXXX XXXX and XXXX XXXX reviewed the application and were optimistic about approval and that it could proceed on schedule. After review by underwriting, questions were raised about a business loan for my LLC. I explained that the corporation had a 10 year loan which was ending in XXXX and that the corporation had a long history of positive cash flow. This was evident in the tax returns and balance sheet. With the imminent closing date of XXXX. I made numerous calls to XXXX XXXX in an attempt to get further clarification from underwriting. The XXXX date came and went and eventually we received an adverse action letter on XXXX, 5 days after the anticipated closing date. During the process, I told XXXX XXXX that we were willing to borrow a lower loan amount and increase the down payment if this would help gain approval. When the adverse action letter arrived, XXXX XXXX informed me that Navy Federal would not lend us any amount of money under any circumstances. Navy Federal readily accepted our mortgage application but did not act in a careful and timely manner to either approve or reject the application and allow us to make alternate plans. Most calls to our loan officers went to voice mail and return calls were often delayed for up to 48 hours which is their official policy. The additional delays by the underwriting department to evaluate the application and our responses in a timely manner also contributed to the delay. Closing dates did not seem to have much significance throughout the process. I understand that our application was complicated by the fact that both my wife and I are retired from day jobs with income from social security, small business ( LLC ) and retirement assets. However, we were willing to lower the loan amount and increase the down payment in order to move forward. Apparently Navy Federal decided we were not worth their effort. Fortunately for us, we had no trouble obtaining alternate financing from another lender which was able to close in 13 days. I only wish we had abandoned Navy Federal early on once we realized they did not want our business. So this makes me wonder why the application was rejected. Some thoughts include : - Interest rates rose after I locked in the rate and the loan was no longer as profitable. - Navy Federal does not want to lend to XXXX XXXX who are relying on retirement assets to pay the mortgage. - Navy Federal does not want to lend to applicants that own small businesses. My understanding is that an LLC is liable for its own debt and not the members. The profitability of the LLC should stand on its own which in my case was over 10 years of positive cash flow. Whatever the real reason for denying our application, Navy Federal should have handled our application in a timely manner. Besides all the stress and anxiety, the delay cost us {$1300.00} in extra interest payments which we were required to pay to the seller of the property to keep our contract valid. It will also cost us almost {$30000.00} in interest over the life of the loan because of the higher interest rate we are now paying. | ||||||
| 02/07/2021 | Yes |
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| Summary : I purchased an item which I chose to return due to poor quality. Now being told they did not receive even though I have XXXX signature confirmation. XXXX denied missing package claim. Bank denied transaction dispute. XXXX case closed, unresolved due to business not responding. Details : On XX/XX/XXXX I placed and order for 9 items from XXXX. My complaint is regarding the " XXXX XXXX XXXX > XXXX XXXX ''. The price of the item at the time was {$690.00} plus an additional {$95.00} shipping charge. My first issue is that I did not receive the XXXX XXXX XXXX, '' only the XXXX XXXX which was nearly {$200.00} price difference at the time of order. After speaking with support I was told they would send me the XXXX XXXX accessories as soon as possible. On XX/XX/XXXX, I still had not received the XXXX XXXX and had contacted support again requesting they hold off on sending as I had decided I was not satisfied with the quality of the sling for a number of reason and requested to return it for a refund. On XX/XX/XXXX, I received a response for a customer service rep, XXXX XXXX, telling me I could return it for a full refund to my original payment method but that I would be responsible for the cost of return shipping. On XX/XX/XXXX I emailed to confirm they were aware the return shipment would not include the pro kit as i had still not been sent it and wanted to make sure there wouldn't be an issue with the refund. Customer service rep, XXXX XXXX, confirmed they understand I had not been send the XXXX XXXX and stated " A full refund for the merchandise will be issued back to you once the return is received. '' I had shipped the item to the address they directed me to send it to on XXXX via XXXX which cost {$55.00} including the extra fee I paid for a direct signature. ( Tracking # XXXX XXXX. The item was marked as delivered on XX/XX/XXXX @ XXXX and signed for by " XXXX XXXX XXXX '' After almost a week without hearing anything regarding the return and my order status still unchanged on my account, I decided to reach out for and ETA on when it would be processed. On XX/XX/XXXX, I received a response from " XXXX. XXXX '' stating that they had not received the package and do not have anybody working at their facilities by the name XXXX XXXX. They directed me to reach out to XXXX to find out where the package was delivered. After looking deeper into it, I discovered that it makes perfect sense that someone who does not work for the company signed for the package because their return address is a box at the XXXX XXXX which I had brought my knowledge of that to their attention in an email on XX/XX/XXXX asking if they had even asked at the XXXX XXXX is the package had been received, to which I received no response. I had followed their suggestion and filed a missing package claim with FedEx on XX/XX/XXXX ( Case # XXXX. ) On XX/XX/XXXX, the claim status had been updated to DENIED with " Liabilities Not Assumed Shipment '' as the reason given. I have not received a single response from anybody at XXXX XXXX since I brought to their attention my knowledge of their return address being a box at the UPS Store which would make perfect sense that the signer for the package did not work in their facilities. On XX/XX/XXXX, I filed a dispute for the credit card transaction with Navy Federal Credit Union. On XX/XX/XXXX, I sent NFCU a message I their secure messaging portal requesting an update on the dispute. On XX/XX/XXXX, NFCU responded " Unfortunately, we are unable to assist you with your dispute for {$790.00}. The dispute was received outside the timeframe allowed to pursue credit XXXX s ). We are sympathetic to your situation and can only suggest that you continue your efforts to resolve this matter directly with the merchant and/or seek legal assistance or notify your local XXXX XXXX XXXX '' I had already filed a complaint with the XXXX on XX/XX/XXXX which according to the case activity was received on XX/XX/XXXX and reviewed on XX/XX/XXXX. The rest of the case activity is as follows : XX/XX/XXXX - Notify Business of dispute XX/XX/XXXX - No response to first notice to business. Asked if I had heard from the company to which I responded, No. XX/XX/XXXX - Reminder of dispute to business XX/XX/XXXX - Informed me they had not received a response from the business and closed the case with the remark UNANSWERED. | ||||||
| 03/11/2023 | Yes |
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| TRUST FRAUD COMPLAINT ON NAVY FEDERAL CREDIT UNION Pursuant to 18 U.S. Code 8 - Obligation or other security of the United States defined : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.On XX/XX/2022, I submitted a properly endorsed payment coupon to NAVY FEDERAL CREDIT UNION in accordance with the Bill of Exchange Act, to accept the credit towards the Principal 's XXXX XXXX account balance for setoff for the credit card account ending in ( XXXX ). NAVY FEDERAL CREDIT UNION dishonored the payment, but yet continue to request payment from me in the form of Federal Reserve Notes while utilizing my remittance coupon. It recently came to my attention that all the payment coupons that were being sent as Bill were in fact credit that should have been applied to the principal 's account. Accepting cash payment from me and cashing my remittance coupon on the back end is considered double dipping which constitute trust fraud. NAVY FEDERAL CREDIT UNION dishonored lawful United States currency and closed my account without my consent. In accordance with 12 CFR 1002.7 ( c ) Action concerning existing open-end accounts ; in the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account : ( iii ) Terminate the account. This is a direct violation of my Federally protected rights. Shutting down my account and then continuing to demand payment after payment has already been tendered. NAVY FEDERAL CREDIT UNION failure to act in good faith and honor have cause me and my family emotional stress, punitive damages and racketeering. Shutting down my account without my consent is them infringing on my right to my Property, denying me access to my credit, causing me emotional stress and anxiety is them infringing on my Pursuit of happiness and my right to Liberty. NAVY FEDERAL CREDIT UNION is in violation of the Bill of Exchange Act, the Declaration of Independence Act, the Uniform Commercial Code U.C.C and the Federal Reserve Act Section 29 " Breach of Fiduciary Duty ''. Pursuant to the U.C.C 3-104, U.C.C 3-306 , U.C.C 3-603 and the Bill of Exchange Act, a negotiable instrument was tendered " payment coupon '' for setoff of the Principal 's balance, but the payment was dishonored/refused, therefore the debt is discharge. U.C.C 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. NAVY FEDERAL CREDIT UNION is also in violation of the FCRA for reporting damaging and inaccurate information on a consumer report about my character and also violation of the FDCPA by attempting to collect a debt on an account that was already setoff. This type of business practice is abusive, damaging and violation of my Federally protected rights. I would request this case be also forward to the Federal Trade Commission, the IRS, the Office of the Comptroller of the Currency for a full audit into my account for Trust Fraud. how can NAVY FEDERAL CREDIT UNION claim the Principal owes them a debt when I am the original creditor and investor in their financial institution. Banks of not load money, they borrow on behalf of the Principal ; 12 U.S. Code 1431 ( a ) - Powers and duties of banks If they disagree, I DEMAND full disclosure of the ledger showing the Account Receivable in accordance with Generally Accepted Accounting Principles ( GAAP ). when the account was already setoff with Lawful United States Currency pursuant to 18 U.S. Code 8 - Obligation or other security of the United States?? | ||||||
| 02/24/2020 | Yes |
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Web | Servicemember |
| While selling a daybed, for {$250.00} on offer up, an online app where you are able to sell your belongings, a man named XXXX responded to my ad, showing interest. We exchanged phone numbers and he explained to me that he would not be able to pick up the daybed himself, and that he'd send extra money for his furniture movers to pick up the day bed. We agreed to a negotiating price of {$230.00} for the day bed, and I agreed to receive payment in the form of a check, which would be payment for myself, and for the movers I'd be able to pay in person. XXXX 's accountant emailed me the check, along with instructions on how to deposit the check. After opening the email, I saw the check was for {$800.00}, so I knew {$230.00} was for me, and {$570.00} for the movers. I only agreed to pay the movers if I could swipe my card, so that I'd be better protected, rather than handing the movers cash. After the check was completely deposited, XXXX told me I'd have to set up the appointment for the movers to come myself, as they do not show up unless appointments are made online. I told XXXX I'd feel better about him setting up the appointment, with his own credentials, as the movers would not come unless payments were made in advance. XXXX agreed to have his {$570.00} sent back, and gave me a XXXX user account to send the money to ; XXXX XXXX : XXXX. I called my bank, Navy Federal Credit Union, in order to verify the check was completely deposited and that there would be no way for XXXX to take his check back. The representative said the check was completely cleared and deposited, and also told me if I sent money back to XXXX, I'd still be protected by Navy Federal. I sent the {$570.00} to the XXXX account, and XXXX claimed to have never received the money back. At this point, I decided I wanted to be done doing business with him, and asked him if I could send back the rest of his money so that we could both be done. He sent me his brother 's XXXX account : XXXX XXXX : XXXX. Once again, I called Navy Federal to double check that there would be no way for the deposited check to be pulled from my account and that I'd be protected if anything were to go wrong, and they confirmed I would be. I sent the money, and thought we'd be done with business. On Tuesday, XX/XX/2020, I woke up and realized the check that was supposedly completely deposited into my account, was withdrawn, and now I was missing the initial {$800.00} XXXX sent to me, in addition to the {$800.00} I had to send back to XXXX. Upon research, I found that the " fake check '' scam is something used often by scammers to essentially steal money. I called Navy Federal again to file a complaint, and also receive the money they said I'd recieve back because of their " protection '', but all they could do was offer a dispute for the transactions, and told me there would be a very slim possibility of receiving my money back. I faxed in documents to Navy Fed to prove I was being scammed. I called XXXX, but they would not give me any information as to who was behind the two XXXX accounts I sent the {$570.00} and {$230.00} to, and only kept trying to redirect me back to a Navy Federal representative, which already proved to be unhelpful. After reaching dead ends with both companies, and being ignored by XXXX, I filed a police report with the XXXX XXXX County Police Department, in XXXX, VA, against the scammer. After sending in my proof, all Navy Federal Credit Union could tell me was to just wait for their security team to finish the investigation. On XX/XX/2020, I received a letter in the mail, from Navy Federal Credit Union, informing me the dispute has come to the conclusion that there was nothing done wrong on Navy Federals end, and that I am completely responsible for the {$800.00} that was lost. I disagree that I am responsible for my loss, because I would not have made the {$800.00} transfer if the representatives I spoke with, from Navy Federal, did not say there is no way the deposited check can be pulled from your account. I called Navy Federal at least 3 or 4 times the weekend the transfers were made in order to confirm that the check was completely deposited and that Id be protected in the event of a scam, and now after all is said and done, I am responsible for the money the representatives told me the scammer couldnt pull from my account. | ||||||
| 01/30/2019 | Yes |
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| 1. There was ever only one signed document on XX/XX/XXXX, bearing my signature to authorize a Refundable Security Deposit/Breakage deposit in the amount of XXXX GBP ( {$320.00} USD ) to XXXX. 2. Per XXXX Terms and Conditions, the Refundable Security Deposit/Breakage deposit is purposed to cover any damages from within the apartment and is refunded once all keys are returned and the apartment is checked over for damages. Since there were no reported damages in the apartment, and all keys and parking passes were returned as required the Refundable Security Deposit/Breakage Deposit -- in the amount of XXXX GBP ( {$320.00} USD ) needs to be returned. 3. As indicated on the receipt dated on XX/XX/XXXX, this unauthorized charge does not have my signature and I was not present to authorize or sign. 4. NFCU failed to provide the Zero Protection Liability coverage after I provided substantial proof that I did not authorize the fraudulent charges which was posted to my account. 5. NFCU failed to provide additional protection from fraud and unauthorized use of my NFCU Platinum Credit card, which features an embedded encrypted microchip that when used at chip-enabled card readers, the card 's fraud protection kicks in. 6. By Fla. Stat. Ann. 501.0118 ( 2 ), NFCU and VISA failed to provide and protect me from fraud and unauthorized use of my NFCU Platinum Chip-Enabled Credit Card with Zero Liability and embedded encrypted microchip by printing/displaying my entire credit card number on the receipt allowing the merchant to freely enter fraudulent and unauthorized charges. 7. I never received or signed XXXX Terms of Agreement document. 8. NFCU never provided me with NFCUs terms and guidelines for proceeding to arbitration. 9. NFCU never provided me with VISAs Guidelines for determining eligibility of arbitration. 10. Please notice the discrepancies on the receipts on XX/XX/XXXX and XX/XX/XXXX : - There is no signature on XX/XX/XXXX. - The credit slip has the exact same authorization code ( XXXX ) as the receipt dated XX/XX/XXXX, except a K indicating that the slip was keyed not swiped or chipped. - My FULL credit card number appears on both receipts. - I was not present to authorize this transaction ( CUSTOMER NOT PRESENT ) - This transaction was run at XXXX XXXX prior to my check out time at XXXX XXXX. According to Navy Federal Credit Union Credit Card Pricing Terms, page 2, item 2, under Your Agreement With Us : 2. Cardholder Signature. Your card is not valid unless it is signed. Sign the back of your card immediately upon its receipt. I NEVER SIGN ANY OF MY CREDIT OR DEBIT CARDS. My unsigned NFCU credit card, was presented for payment for a REFUNDABLE SECURITY DEPOSIT. My information was collected and not never secured by chip technology. The card reader printed my FULL CREDIT CARD NUMBER WHICH IS PRINTED ON THE RECEIPT. The merchant XXXX fraudulently misappropriated funds for a refundable breakage deposit to be used for trumped up charges of nearly {$1000.00} for a fictitious extra person on a fully paid reservation. As with all my other credit and debit cards, this card was never signed by me : immediately upon its receipt from NFCU, when it was activated, nor when it was submitted for use as a Refundable Security Deposit/Breakage deposit in the amount of XXXX GBP per stay. I am appealing to the CFPB and the NFCU Executives ( XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX ) for help with removing these unauthorized charges placed by the merchant XXXX. NFCU decided to put the MERCHANT before the MEMBER in this matter without providing any written explanation as to why and how. I do not have {$1000.00} that I can give away to fraud. In light of all the documentation I presented, NFCU removed ALL of the documents I submitted, and is preventing my case from proceeding to arbitration. Because time is and has been of the essence, I am submitting this letter and documentation to be within the 6-month window from when this horrible nightmare which began with the fraudulent use of my credit card. In good faith, I have asked for these charges posted to XXXX of $ XXXX- XX/XX/XXXX ( less the {$640.00} refund made on XX/XX/XXXX ), and the {$320.00} - XX/XX/XXXX ; {$330.00} on XX/XX/XXXX and most recently the duplicate fraudulent charge of {$320.00} re-posted to my account on XX/XX/XXXX. | ||||||
| 03/17/2023 | Yes |
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Web | Older American, Servicemember |
| My daughter is helping me submit this, and is typing this for me. I am elderly and XXXX veteran. Last year, from XX/XX/2022 to XX/XX/2022, a family member began using my debit card without permission, to buy things. they made a large purchase online. During the course of the year, they repeatedly stole my ATM card and used it to go shopping without my permission. I was unaware that they were stealing from me, and did not find out until XXXX or so, in the fall. During that year, i also gave this person my ATM card, so that they could do some grocery shopping etc, for me. I trusted them. They used my ATM card to withdraw money from the ATM, thousands of dollars a day at times. Over the course of the year my entire savings, {$20000.00}, was wiped out. We calculated that they stole at least {$27000.00} from my account. We didnt find out until my caregiver took me to the bank because my card was getting declined. There may have been a time when i gave them the PIN number for my card, trusting them and thinking they were helping me. After we found out, we managed to get a new card, which he then stole also and kept using. Even after we would change PINS he was able to use the card and steal the card. The bank is washing their hands and denying any fraud claims. I of course understand them not wanting to be responsible for such a large amount of money- however, as {$27000.00} was being vacuumed out of my account over the span of only several months, they did not contact me and recieved no notifications. They did not freeze my card, did not freeze my account... even when on certain days, there would be ATM withdrawals of {$1000.00}, over and over, from a totally different bank or random ATM. Even if they were not willing to help with the ATM withdrawals, i guess i was hoping that some of the shopping would be covered- as the card was stolen and used without my permission at all. the thief did not need my PIN to shop online or at XXXX... My daughter 's bank is very protective and will call her or freeze her card if she gets gas in a different town than usual! I just find it hard to believe that they missed this activity and that it did not seem suspicious to them. Of course I should have kept a better eye on the account as well but i have limitations due to being XXXX and when i needed information, i would just call the bank to ask about my balance. They never offered me any information about all the money being sucked out so rapidly. Even when it reached XXXX dollars, the only thing that happened was my card started getting declined. I understand and respect their decision not to help me out at all. But the fact remains that my card was stolen and used to shop, even if you ignore the ATM withdrawals. I believe that however small i should at least receive some small compensation. One thing was a TV that was bought for {$1500.00}, i certainly don't have that tv, as the person kept it for themself. Anything would be very helpful, because i am living hand to mouth and it is a real struggle at this point because i need more care than i can afford. The bank told me to take this issue up with the police. I did talk to the police and they were unwilling to help me, because they said this person was family and i gave them the card. But there were plenty of times that the card was stolen from me, and even the times that i gave it, i did not authorize them to steal so much money. I may try again to file a police report again, but i am concerned that this type of thing has been allowed to happen in America, and no one seems to have my interests in mind as a victim of theft, fraud. The bank and the police have refused to help me, and i don't know where to turn. I would appreciate any kind of help you could offer me, and I'm sure you can come to a just decision regarding my situation. Thank you very much for your consideration. Note : the bank did not give me any paperwork or emails regarding this decision yet. They notified me by phone, and told me they would send emails for appeals or with further question, to follow up with them in ten days. They have not sent me anything, and they have my current email because i receive correspondence from them. So the only thing i can upload would be the fraud claims at this point, or bank statements. which id be happy to have my daughter do. thanks. | ||||||
| 02/26/2023 | Yes |
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| In accordance with the Fair Debt Collection Practice Act FDCPA, If a consumer dispute a debt requesting the collection agency to validate the debt, the debt collector MUST STOP all collection and reporting until it provides validation of debt. On XX/XX/XXXX, I sent NAVY FEDERAL CREDIT UNION. a letter agreement # ( XXXX XXXX XXXX XXXX XXXX XXXX via UNITED STATES POSTAL SERVICES requesting validation of an alleged debt. I requested 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; of the alleged debt with accordance to the General Accepted Accounting Principles ( GAAP ). 2. Produce the account and general ledger statement showing the full accounting of the alleged obligation that NAVY FEDERAL CREDIT UNION is attempting to collect. Such as ; XXXX XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), 1099 XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules A complete payment history documented from original creditor. This requirement was established by the case Fields v. Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, USCA-02-C-0072, 7th Circuit Court XXXX XX/XX/XXXX. 3. Verification of their claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 4. Proof of the actual account receivable 5. Proof of the existence of an alleged account and/or contract in the actual flesh and blood name of XXXX XXXX XXXX duly signed and witnessed by both parties and both seals, not a unilateral agreement and upon which signed page there is reference to the entire agreement. 6 requesting to also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2020 and what actions s/he has taken in relation to this account. NAVY FEDERAL CREDIT UNION did not provide the above mentioned documents to validate the alleged debt, but yet still continue to report to the consumer reporting agency and are attempting to collect a debt from me. On XX/XX/XXXX, I sent another letter agreement # ( XXXX XXXX XXXX XXXX XXXX XXXX via UNITED STATES POSTAL SERVICES requesting them to send me debt validation documents of the alleged debt, still no documents have been provide. But continue to report to the consumer reporting agency and are attempting to collect a debt. On XX/XX/XXXX, I sent another letter agreement # ( XXXX XXXX XXXX XXXX XXXX XXXX via UNITED STATES POSTAL SERVICES requesting another debt validation, still the aforementioned documents above wasn't provided. NAVY FEDERAL CREDIT UNION have been given enough time to provide the debt validation documents, but have remained silent and acquiesce. Furthermore, NAVY FEDERAL CREDIT UNION is also in violation of my federally protected rights of the Fair Credit Reporting Act FCRA, by continuing to report information on my consumer report that is not accurate or has not been validate pursuant to 15 US CODE 1681s-2 ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Duty to correct and update information ; 15 US CODE 1681s-2 ( 2 ) ( B ) If a debt collector has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. Additionally, NAVY FEDERAL CREDIT UNION also violated me pursuant to the FDCPA 15 US CODE 1692b ( 2 ), 15 US CODE 1692b ( 5 ), 15 US CODE 1692d ( 2 ). PLEASE SEE ATTACHED EXHIBIT | ||||||
| 01/09/2022 | Yes |
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| I was contacted by Navy Federal Credit Union attempting to collect a debt from me that I never contracted or agreed to pay. They attempted to contact me by phone first, and threatened to show up to my door if I hadn't repaid this debt. I told them I would not have a problem paying on this debt if It were mines but it is not mines since I never contracted or agreed to pay for it. Navy Federal Credit union then started to send me mail stating I owed money on these debts and If I agreed to pay something less than what I owed they would stop contacting me about these debts and remove these debts from my consumers report. I have attached pictures of some of the harrasing mail Navy federal has been sending me regarding these debts. After them harassing me for these debts they started to report negative and defaming information on my consumers report about these accounts. They've been reporting negatively on my consumers reporting and defaming my character since XXXX XXXX. I sent a debt validation letter to them and have yet to receive a response. I sent in another debt validation notice and they stil didn't respond. Navy federal credit union has never supplied sufficient information to me in order to validate the debt.Upon checking this account I noticed Navy Federal credit union reported multiple inaccuracies on these accounts to the three main credit reporting agencies.I immediately thought to myself these accounts were not handled with accuracy or integrity due to the number of inaccuracies within these accounts as 12 CFR 1022.41states. Since Navy Federal has never responded to the debt validation letter which I am attaching the letter I sent to them below or supplied me with sufficient information in order to validate these debts, I know the debt is a mistake and not mines. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies within these accounts which I have highlighted in the image below in the attachment section I know this debt is a mistake, not mines and shows this account was not handled with accuracy or integrity.As you can see For accounts XXXX, XXXX, there are inaccurate account numbers, date opened, balance, high credit, last reported, past due, date of last payment and date last active reporting to the three credit reporting agencies/my consumers report.Please remove these account from my consumers report. Due to the inaccuracies of these accounts reporting inaccurate information I have been denied loans I would have been approved for had these accounts furnished the correct information with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety. I wake up out of my sleep in sweats thinking how stressed out I am going to be regarding these negative accounts especially since Ive already tried to resolve these debts which don't belong to me. Navy federal credit union should be upholding 12 CFR 1022.41 at all times and clearly its not being upheld. ACCOUNT # 'S XXXX, XXXX | ||||||
| 03/07/2021 | Yes |
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Web | Servicemember |
| In early XX/XX/2021, my wife and I decided to purchase a second home. Were were pre-approved by three lenders. Navy Federal Credit Union. XXXX XXXX. And XXXX XXXX. We submitted substantial information to receive these pre approvals including a complete schedule of all property owned that showed that in addition to our main home and an existing second home to be replaced by this new purchase. we also owned four rental property free and clear with no mortgages. We decided to go with Navy Federal ( NFCU ) having been a customer since my days at the XXXX XXXX. We went under contract on a property located at XXXX XXXX, FL. We were quite happy when NFCU matched the loan terms offered by XXXX XXXX and we locked in a 2.6 % mortgage rate with 25 % down on a 30 year conventional mortgage. Our closing date was set for XX/XX/2021. Our appraisal came back at more than the asking price and with excellent credit and all documentation submitted, our loan went to final underwriting on XX/XX/XXXX. We even communicated with the seller thinking we might be able to close early. Late in the day,. I was called and told there was a problem, Our current second home at that time, which we have since converted to a rental due to the purchase of this new second home also had a loan with NFCU. I was told we can only have one second home loan and therefore, they need to switch our loan to an investment loan with much worse terms. Fortunately, I am in a position where I can pay off that existing loan and own the home free and clear. I told NFCU I will pay off that existing loan and then we can proceed. I was told this should be okay but to hold off on paying it off. While I didn't want to pay off the existing loan, I understood the concern and was relieved that I am fortunate enough to do this. At this point. NCFU pretty much stopped communicating. The last word on Friday XX/XX/XXXX was that we should be good and our loan was going back to underwriting. At that point, our processor went on vacation. The next Monday was a bank holiday and then repeated attempts to get an update by both myself and our real estate agent were met with silence or being told to be patient. On Friday evening XX/XX/XXXX, with still no understanding of whether we were cleared to close and confusion around why there was no information since we were ready to address the concern raised,. I sent a direct message to NFCU on twitter asking for help. I received a call right away from a supervisor who looked into our file and told me things seems all set and we should be fine. I felt better over the weekend since we were now only four business days away from our closing. Mid day on Monday XX/XX/XXXX. I received a phone call from my loan officer 's supervisor and I was informed that they were not going to write the loan unless I switched to an investment loan with much worse terms. I was incredulous since in XXXX, we were pre approved by three banks., but now with four days until closing, we were backed into a corner and had no choice in the matter. I thought there was a misunderstanding and I explained to this loan officer that I have enough cash in my NFCU account to pay off the existing loan and close on the new loan. She told me that wasn't the problem The problem was that we owned rentals and they decided we were investors and were not really buying a second home. NFCU new about all of our properties in XXXX and could have raised this concern in the pre-approval process. They could have also raised in at any time along the way. Instead, they waited until we were three days from closing and at risk of losing our binder deposit and possibly being sued by the seller. So we proceeded ahead with a 15 year loan at 3.325 % instead of the original 2.6 % for 30 years. What's worse, is I now have an investment loan on my second home and a second home loan on a property that is now for rent. This is a classic bait and switch. They knew I was capable of paying the higher rate and they knew I had no choice but to take it. There is no reason this should have happened other than not working with me in good faith. It is inexcusable and I hate to think about what this would have done to a young XXXX couple buying their first home without the ability to do the things I am able to do later in life. | ||||||
| 10/06/2023 | Yes |
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| In XXXX of XXXX I received a boat loan from navy federal credit Union in the amount of {$18000.00}. My payment was supposed to be $ XXXX/month. A couple of months after I had the loan, my payment went up. I called navy federal and they stated that the payment went up because they did not receive the boat title. I explained alabama does not title boats and that I could submit the registration. They started that was fine, so I submitted the bill of sale and the boat registration on XX/XX/XXXX of XXXX. I then called in again on XX/XX/XXXX of XXXX and asked if they received the documents. They started they did not so I submitted them again to XXXX and included my access number, name and what the document was. The payment went up again so I called in and the rep stated that they would change my payment back to what it was supposed to be. The payment then went back down to $ XXXX/month. The next month it went back up. I have continuously called in regarding this issue since XXXX of XXXX. I have never received any feedback from navy federal stating they did not receive the information or that it needed to be sent another way. The only way I knew something was wrong is because I kept calling in and seeing my payment go up. On XX/XX/XXXXXXXX I called in regarding this issue again and spoke with a rep that stated they have not received the documents. I explained that I have submitted these document multiple times over the past year. I confirmed the email with the rep who stated that email was correct. The rep asked me to send in the docs again and he would stay on the line to make sure title got the docs. I sent them to the same email as all the other emails that were sent and the title service did receive the documents. They stated they needed the bill of sale for the trailer at which time I told them that I did not have it. The rep understood and stated they would send it to the title manager to see if they can change the interest rate back down to what it was because they now have the boat registration. The rep also stated that navy federal has been charging me extra interest the entire time due to them not receiving the documents. I told them that I did send it in multiple times and Called in multiple times over the past year and its not my fault that they could not put it in their system and do their jobs or if something was wrong with the documents that they should have called me. It is not fair to me that I have paid this extra interest over the past year and I have done my diligence to get this resolved and navy federal has charged me. The rep understood and stated he would ask if I could get the money back that I have paid in extra interest this past year. The rep asked me to call in the next day to get an update. I called in XX/XX/XXXXXXXX and asked for an update at which point the rep stated I would not be able to get my money back and my payment would not be able to go back down to {$410.00} a month because I did not submit the documents in time. I explained that I have submitted the documents multiple times and have called in multiple times and its not fair that I am getting penalized even though I have done my part and navy federal has not. I then asked for a manager. Manager XXXX with the consumer loan department got on the phone and I explained what was going on and that it is not fair that I am being penalized for this and that I have been paying this extra interest over the past year and I have tried multiple times and that I should get my money back for the extra interest that I have been charged over this period of time due to navy federal not being able to do their jobs and follow up or request additional information if needed. XXXX stated that he could get my payment back down to {$410.00} a month but would not be able to give me back the money for the extra interest I have paid over the past year. I explained it is not fair and it is not my fault that I am being penalized. I have submitted the documents and followed up multiple times. XXXX stated he could not change it. I asked for XXXX manager. He stated I could not speak with another manager. I explained I was submitting a complaint and XXXX understood and stated for me to follow up on Tuesday to see if my payment had went back down to what it should be {$410.00}. | ||||||
| 07/24/2022 | Yes |
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Web | Servicemember |
| For the past 4 months Navy Federal has let me repeatedly apply for loans while hiding the fact that they knew there were 2 fraudulent marks on my credit file, as well as hiding that fact while still voluntarily giving me the opportunity to apply for as many loans as I wanted. I confirmed to them after i applied for a XXXX $ personal loan. Navy Federal strained away from explaining their debt collection even after the 5th denial and explained to them that they read information from a false report due to XXXX breach They blatantly also froze me out of my business account. I haven't been able to get a response from me informing them about the XXXX that was fraudulent around this time last year. I'm getting evicted, don't have transportation to get to the doctors since XXXX and illustrated to them records for proof for a compromised immune system. I was on hold for a hour and 30 min after informing them that they based their denial for atleast XXXX loans on fraudulent reports from the credit bureaus. Notice to principal and principal to notice. Without the recent XXXX breach I would have continued to put applications in, lack of the representative knowing that they also were known to be a credit repair agency. Upon taking courses in Information analysis and fraud investigation I decided to look this matter, in depth to see why I have all this resistance. With all 12 loans Ive applied for, under confusion, and the withholding of letting me know that there were 2 fraudulent marks on my report one for 7 years and one for 1 year that they disclosed amongst themselves. I brought this to attention. Upon gaining vital knowledge I learned that Credit reports pertain to the XXXX XXXX XXXX, I'M XXXX : XXXX will be putting every company that has my information from the birth hospital in XXXX to the secretary of State of New York about the downfall and the conspiracy to defraud me... The 12 loans I applied I'm still waiting for Navy Federal to Prove the debt belonged to me this proceeding will be addressed in front of an administer and XXXX will de addressed for claimaint. Let XXXX be the representation of the first company going on notice that XXXX and credit reports have made me realize that this isn't even real. I've lost my business due to Navy Federal not realizing that they are a credit reporting company, that tried to completely keep me from my estate, as well as going agaisnt, their fiduciary duty to help military members and their ( Dependents ). My mother has been here since 1998. Navy Federal has triumph my reputation. Ive lost my business, as well as stopped going to school for health administration due to all the fraudulent claims from consumer protection. I ask if they can not provide ( Real ) proof than I request the privilege to take in my possession The XXXX XXXX that's been added to my insurance since the first loan application out of 5 applications for the same product as well as the funds for denial of the mortage loan. Contracts are not a debt proof it only points to depth, points to the underlying scams going on with my name. As well as grantment for the mortage and the car loan I would ask Navy Federal to process my XXXX lien-security. I dont lie I love to help people since I been in the XXXX field, upon sitting home Ive managed to open up 2 more different savings accounts from Navy Federal to increase my relationship with them as well as maxing my credit card by adding XXXX $ to my credit report as well as close a XXXX promissory loan with no late payments on my credit card, no late payments on any account. So fraudulent it seems or are they connected to the members trading my information on the U.S. treasury as well on fidelity. I thank you Navy Federal for revealing to me what entities do behind closed doors, fortunately I still wan na help people as well as keep the economy successful but how when its own bank entities are trying to defraud me, there is no Trust here and accounts should be closed after the following monetized payments be made, according to law. Actual damages XXXX my eidl loan was estimated to be this amount but due to the constant lies and hardships due to the fidicuaries duty. Notice to principal principal to notice. 1st Entity. I will forward this to all secretary and U.S. secretary 's of the state so | ||||||
| 02/02/2021 | Yes |
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| I started my mortgage refinance application on XX/XX/XXXX. At the time, I was working with Ms. XXXX XXXX. We had multiple email correspondence after which we had a phone conversation to determine elements of the loan. One of those elements was the waiver of the XXXX XXXX higher rate as the original loan was serviced outside of Navy Federal Credit Union. On XX/XX/XXXX, my loan application was forwarded to XXXX XXXX. We exchanged multiple emails regarding the loan and other additional elements that were required to support the loan. An appraisal of the home was done in early XXXX and Ms. XXXX let me know what it was. On XX/XX/XXXX, I sent an email to Ms. XXXX with questions about how my new appraised rate of XXXX would change the terms of the loan ( my previously estimated rate of the home was XXXX XXXX. Her response at the time was the there would be no change in the rate as the LTV would remain under XXXX XXXX I did not hear much from Ms. XXXX in XXXX so I presumed she was still working on the loan. On XX/XX/XXXX, I received a new loan estimate from Ms. XXXX with a new rate of XXXX XXXX. Rate throughout XXXX and XXXX had been locked at XXXX XXXX with a XXXX XXXX origination fee. On XX/XX/XXXX, I called Navy Federal to get clarification on why the loan terms suddenly changed and I spoke with XXXX ( Ms. XXXX was out of the office at the time ). XXXX let me know that someone would be reaching out to me to discuss the change in loan terms. On XX/XX/XXXX, Ms. XXXX sent me an email stating that the rate changed because the LTV had gone over XXXX XXXX ( contradicting what she had said on XX/XX/XXXX as noted above ). I asked to have my loan escalated to a supervisor given that I was receiving alot of contradictory information from Ms. XXXX. On XX/XX/XXXX, I spoke with Ms. XXXX XXXX who is Ms. XXXX 's supervisor. I detailed what had transpired with my loan since the start and she asked for supporting information which I sent to her via email on XX/XX/XXXX. On that email, I also requested to file a grievance on my loan application process and asked for a re-reviewed and if need be, escalation of my loan for further review. On XX/XX/XXXX, I received an email from Ms. XXXX indicating that the 0.75 % rate increase had been waived and she had sent a new loan estimate. However, she had once again changed the terms of the estimate and now she was sending me an estimate for a loan amount of XXXX XXXX original loan amount was XXXX XXXX. Due to a busy work schedule, I had not had time to look at the new loan estimate. On XX/XX/XXXX, I received an email from Ms. XXXX worded as quoted, " Please respond by XX/XX/XXXX at XXXX CST in order to move forward. If I do not hear from you I will send the application for decision as is. '' I responded back to the email with a copy to Ms. XXXX requesting for Ms. XXXX to be removed as my loan processor. I received a call from Ms. XXXX on the same day while at work and I indicated that I felt that the email that had been sent my Ms. XXXX was rude. I also indicated that I did not understand why the loan terms changed again. Ms. XXXX noted that she would have Ms. XXXX resend a revised loan estimate with the terms agreed upon. On XX/XX/XXXX, I received another loan estimate from Ms. XXXX. Once again, the loan terms had changed. Now the origination fee had been increased from XXXX XXXX to XXXX XXXX. On XX/XX/XXXX, I sent an email to Ms. XXXX asking why this had changed. She responded noting, " The origination fee is subject to change when the loan amount changes, value changes, etc. '' I asked for clarification regarding what had changed on the loan between XX/XX/XXXX and XX/XX/XXXX but did not receive a response from Ms. XXXX. Instead, I received an email from Ms. XXXX noting, " XXXX sent another Loan Estimate to you just a few minutes ago with the XXXX loan amount and a rate with a XXXX origination fee. '' and a deadline to have a decision made within XXXX hours of that estimate being sent. When I got home from work to review the new loan estimate, once again rate had changed to XXXX XXXX. In review of my file, it had already been sent to underwriting without my consent. I feel that since the beginning of XXXX, there have been too many changes to the rates despite the loan having a locked rate. | ||||||
| 10/25/2017 | Yes |
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| My car was stolen and upon the theft that took place it was totaled, I had just lost my job so I than called Navy Federal Credit Union ( my loaner ) and informed them of the incident that took place, I than asked what my options where and was told about the payment protection plan, I was also informed that navy federal was no longer contracting with this company, I than asked about my Guaranteed Asset Protection insurance ( GAP ) and was told that navy federal has a phone recording of me calling in and cancelling the GAP insurance on XXXX XXXX which I disagreed with, at this point I left the situation alone because I had misplaced my contract which showed that I agreed to GAP insurance. On XXXX XXXX of XXXX I had been shreeding some old papers and came across my contract with navy federal I then called on XXXX XXXX, XXXX around XXXX and spoke with a representative to inform them of the differences in the dates of my susposidly cancellation and the signed contract, I told the representative that I was informed a few months ago that I cancelled my gap insurance which I did n't and that the date of the final signing of the contract was after the cancellation date in question and it would show that I agreed to have the gap insurance in place, so she then looked in to my account and agreed with the findings that the contract was signed after the susposidly cancellation of the gap insurance and said that navy federal would autimately go by the most recent signed contract, she than said that she needed to speak with a supervisor and put me on hold, upon her return to the conversation she infomed me that she had made a mistake and that I signed a letter stating that I cancelled the gap insurance which I did n't I than asked if she could email me this letter and she started to beat around the bush with me I got frustrated and hung up, upon calming myself down I then called navy federal back and spoke with another representative which I informed her what I was told in and earlier conversation, I also informed her that I had recieved XXXX seperate promissary notes and that the second one was sent because I did n't sign and initial the first one which at that point would have made the contract void without my signature so to asume that I agreed or disagreed to anything would be specilation at this point, she than said that the cancellation took place on the XXXX of XXXX of XXXX I than notified her that I did n't initialy sign the contract until after the XXXX of XXXX XXXX reason being I did n't recieve notice of this incomplete document until XXXX XXXX, XXXX which I have the original notice that was sent out, upon telling her the date in which I initially signed the contract and trying to get her to understand the dates of cancellation does n't add up she than asked me if I would not raise my voice which I was n't anyway, at that point I fell as thought she was unwilling to see the truth as it was and asked to speak with a supervisor, upon speaking with the supervisor I then told him what my disagreement was about and he then went on to try and explian to me that navy federal was going by the cancellation letter I than tried to explain in detail that I recieved the initial promissary note but because I did not sign my signature and initial it I recieved a letter in the mail along with a replacement promissary note from navy federal on XXXX XXXX, XXXX stating that I needed to sign and initial to indicate my voluntary selection of the payment protection Plan ( PPP ) and the Guaranteed Asset Protection ( GAP ) and because of this and me continuously stating that I did not cancell the gap insurance navy federal made a mistake, I was then told by the supervisor through out our continued conversation that navy federal does not go by the promissary note and that it ment nothing, I then informed the supervisor that I had no other choice at this point but to seek legal representation. P.S Upon the initial approval of the loan from navy federal I agreed to have Guaranteed Asset Protection ( GAP ) on the 1sXXXX promissary note I recieved I agreed to have GAP and on the initial signing of the replacement promissary note I agreed to have GAP, I never cancelled the Guaranteed Asset Protection ( GAP ) not by phone, mail, email, or in-person | ||||||
| 10/02/2021 | Yes |
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| REPORT OF DISCRIMINATION AND DECEPTION AND UNFAIRTREATMENT Please be advised that I would love to file a complaint of discrimination and unfair treatment, deception of a customer against the Navy Federal Mortgage Application process. As a six years loyal customer of the bank with an excellent credits score of XXXX with no default payment and derogatory records on my credit report, I have an apparent belief that my mortgage application was treated and sideline due to racial discrimination. After winning a bid for house property in XXXX, I have provided the bank with all documentation, including bank statements, pay stubs, tax return receipt, proof of Full-time employment status. It is important to note that throughout this process, there is no single document that my loan officer has requested that I did not provide on time, including an email from the workers union that I am a member of the union and in good standing. I was fully aware of my income ; I was initially approved for a pre-approval loan of {$270000.00} by the bank two consecutive times to secure a house for my family. The first time I was pre-approved, I couldnt win a bid on any property due to the competitiveness of the housing market. In XXXX, I had to reapply again, and in early XXXX of this year, I was able to win a bid of a property for {$270000.00}, to which I made an earnest money deposit of {$2700.00}. Throughout the application process, there is no time that Navy Federal nor the loan officers could inform me about my inability to be approved for the loan based on my income. Two weeks before the closing, the loan officer took {$530.00} from my savings account to go ahead with the home appraisal. The loan officers, fully knowing that my mortgage was not going to be approved by the bank, went ahead and did the appraisal. The appraisal was done, and the property was re-valued for {$250000.00}. I renegotiated the price with the seller and volunteered to offer an extra {$5000.00} from my savings just for me not to lose the house. Nevertheless, the bank and the loan officers continued with my application and even scheduled the closing with the sole intention to waste my time and deceive me. The final closing was expected to take place on come XX/XX/XXXX. Before that, three consecutive times, my closing dates were postponed due to a severe blunder from the loan officers, who appeared not to be entirely honest with me throughout the process even though they clearly understood my income strength from all the documents I provided them. They were very much deceptive to me as a customer. As late as XX/XX/XXXX in the evening, I was contacted by a member of the Bank who claimed to be part of the underwriters. I shall be more than willing to provide his name and telephone number. However, the said contact suddenly told me that for my loan to be approved, I need to have a savings of ten ( 10 ) months mortgage ( rent ) save in the bank account and a gift from my wife for the closing. I was shocked over the incident, fully aware that my wife and I had to save for the closing. On XX/XX/XXXX, to my surprise, after three months on the process, without being informed of any income qualifications by the loan officers, I received a voice mail from one of my loan officers stating that my mortgage loan had been denied as a result of a union letter even though the union did provide an email stating and corroborating my membership in good standing. I contacted the primary loan officer and asked him for a reason for the denial, and he completely ignored telling me the reason. However, after few days, I received an email stating the reason for the denial. I further requested the full disclosure of the reason and keep calling the Navy Federal and the loan officers, none of them could reply to my email or return my call. As a customer of the bank, I am well convinced that I have been discriminated against, unfairly treated, and deceived with the highest form of deception by the bank and the loan officers over the mortgage application primarily because of my race and national origin as naturalize American. I was NEVER told the truth, thus I would like my case to be thoroughly investigated by the senior management. Faithfully submitted Sincerely, XXXX XXXX XXXX | ||||||
| 11/28/2022 | Yes |
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| My business was closed due to XXXX. All the information on my credit file after the purchase of my home in XXXX of XXXX is false. My information was compromised in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone used my info to try to purchase vehicles to open credit cards and many other things. I have reported identity theft to XXXX three times over the last couple years. I was unable to get XXXX XXXX XXXX and the XXXX cited XXXX as the reason for my denial. I have not applied for credit of any kind since the purchase of my home in XX/XX/2019. Everything negative on my credit is due to XXXX. You can simply look at the graph of my information to see I went from excellent credit. XXXX when we purchased our home. This has devastated my family and XXXX XXXX. XXXX XXXX refused to put me on a deferral list I told the the XXXX XXXX states they are required to work XXXX XXXX XXXX. They started reporting negatively immediately after shelter in place orders were issued. I applied for XXXX and I got a message about suspected fraud and I couldnt reach anyone or get help I had XXXX in XXXX that in had to use because I couldnt get the assistance and XXXX was cited in every denial for relief assistance. To top it all off XXXX XXXX sued me after calling me everyday saying they were putting me on a XXXX deferral list and never actually doing it. They called everyday sometimes twice a day until my phone service was shut off due to non payment. I live in a brand new XXXX home with XXXX in equity that I couldnt get access to due to liens put on my home by XXXX XXXX XXXX after I couldnt pay the bill on the solar panals on my roof. My HOA place a lien on my house. The $ XXXX month was increased to $ XXXX month because they charged {$80.00} in penalties each month. I finally was able to get promising news after congressman XXXX XXXX office reached out the XXXX in XXXX. XXXX XXXX XXXX XXXX emailed me saying he was so sorry to read about my families situation and he offered a XXXX loan that we could add our personal expenses in with our business loan and it would be XXXX XXXX backed by the XXXX and they could help package the deal and account for the credit damage and hopefully get our life back. Navy fed told me they werent taking XXXX loans. I said this is the only way for me to restore my accounts and to get my life back. They said they were sorry. I went into my local XXXX XXXX XXXX. They told they couldnt help me. My account with them was closed out due to inactivity after shelter in place orders. I sat in the womans off trying gain my composure as I was unable to stop crying. She stared at her computer as I stood up and left the bank. I just sat in the parking lot and cried. The XXXX XXXX loan up to {$5.00} XXXX with a XXXX % XXXX backing. That was the only help offered after over a year since XXXX. We were desperate for help and when we finally were offered the banks said no. Then my electricity was shut off due to non payment a couple months ago. I went door to door asking if I could get assistance as the only help that Ive been able to get is XXXX XXXX from the government. My bill was {$210.00}. The following day I was able to pay the bill. The neighbor next to me said he couldnt help and then called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We had power back on and I asked the them to help me as I have applied for all the programs and not gotten help. I am entitled to cares act funding and have been denied due to illegal reporting on my credit resulting me being denied XXXX loan. XXXX didnt help us with anything. XXXX came with the police and said they were taking our XXXX XXXX XXXX. I told them what was going on and the police said they werent going to assist XXXX with this case. A week later XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 05/31/2022 | Yes |
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Web | Servicemember |
| On XXXX, my NFCU refinancing was conditionally approved, Enclosure 1. Enclosure 3, on XX/XX/XXXX, XXXX XXXX, Mortgage processor, confirmed that underwriting requested my bank statements in homesquad. Enclosure 4, states the underwriter request my bank statements on XX/XX/XXXX. Enclosure, 6, on XX/XX/XXXX, via email shows the underwriters were in receipt of my bank statements with no request for me to mark up deposit from the business. Enclosure 5, I had a conversation with my loan processor and she made no mention of marking up bank statements to show show deposits in the business. I explained to the under that my business is not incorporated and does not have to be for a business on XXXX. I also explained to the underwriter that the 1099 -revenues reported by XXXX is in my name and not the business name. On XXXX, Enclosure 8, I complained about the lag time of them reviewing my information. On XX/XX/XXXX, Encloser 8 my processor asked for a bank statement with no mark up differentiating revenues from XXXX business versus other income. Enclosure 6, XX/XX/XXXX, my processor explains the profits & loss statements needed for the business and no mention of business statements via bank statements with markings for deposits.. On XX/XX/XXXX, 4 days before the interest rate expires of XX/XX/XXXX, my processor expects me to produce : 1.We will need a copy of your extension fi led for XXXX taxes we have the approval for them to be extended, but we will also need the copies of theextension request, which is also known as the Form 4868 and/or Form 7004. 2.3 months business statements because you do not have a separate business account for your business, the Underwriter requests that any business related deposit be marked accordingly on the bank statement so they can decipher between what business related and not. To try to helpmake this easier for you, I can send the bank statements to you via XXXX for you to save them and mark accordingly. If you have your XXXXStatement, just to cover ourselves, you can also add it in with them, since we have your Profi t & Loss now through XXXX. 3.Form 4506-C We will need to send a request for your XXXX tax transcripts, even though they have not been fi led. We just have to have confi rmati on the XXXX Tax Transcripts are not available yet. I have added the updated Form 4506-C for you to e-sign via XXXX for me to senda request to the IRS. 4.Your Credit Report is set to expire on XX/XX/XXXX because we will not be able to close by XX/XX/XXXX, we will need to re-pull your Credit Report. Do Ihave your authorizati on to re-pull your Credit Report for your fi le? 5.Lastly, I will need proof of your business entity I know you do not have to have a business license for your XXXX business XXXX therefore, could you provide me with the name of your business on XXXX so I can look it up and provide proof of it for the Underwriter? These demands are unreasonable based on the following : 1. I requested the extension form through XXXX XXXX and gave them the information stated the IRS approved the extension. I do not have to sign a form because the form was generated via automation for XXXX XXXX XXXX. See Enclosure 11. NFCU can contact the IRS to verify this information. 2.NFCU removed all of my uploaded bank statements from the XXXX file which is a deceptive, See Enclosure 2. Yet on XX/XX/XXXX the underwriters were in receipt of the bank statements, See Enclosure 6. 3. I requested an extension form the IRS in XXXX. See Enclosure 11. My processor never requested to me sign a form regarding the extension until XX/XX/XXXX. That's over 40 days after she was receipt of the extension email. 4. Throughout the process, the NFCU never required me to authorize a credit check in order to request the request the rate extension be extended. The rate extension has occurred at least 2X.I am aware throughout the refinancing process lenders check your credit at least 3 times. Since you don't have newly requested information from me, stating a request for rate extension is contingent with a credit pull is unnecessary since you stated you will not be closing by XX/XX/XXXX. 5. The profit & loss statements contain the business name which is the uploaded documents in XXXX XXXX XXXX, See Enclosure 2. | ||||||
| 05/23/2019 | Yes |
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Web | Servicemember |
| Credit Union Written Statement of Forgery for Credit Card Please retum the completed form within 10 business days to Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX. or, you can fax it to XXXX. The transactions identified below were not authorized or signed by me or by anyone acting upon my authority or with my consent or knowledge. I have not authorized anyone else, orally or in writing, nor have I given consent, nor do I have knowledge of implied consent, to use or have possession of this Navy Federal Credit Card. Neither l, nor any person ( s ) authorized to use my Navy Federal Credit Card, have received or will receive goods or services, or will otherwise benefit, directly or indirectly, from the transactions identified below. I believe that sales drafts, ATM transactions, telephone/mail orders, or applications bearing my purported signature, or the purported signature of person ( s ) authorized to use my Navy Federal Credit Card following the date reported above, are and will be forgeries. The tansacion ( s ) were not made by anyone acting my authority or consent or identified by me nor upon with my knowledge. have no knowledge of the id -can identify the suspect as : Address Phone No. Security List of Fraudulent Transactions ( Required ) Please list all fraudulent charges in the space below to ensure that they I certify to the best of my knowledge and belief tiat all the information on this form is true, correct, complete, and rnade in good faith. I also understand that this information may be provided to federal, state, and local law enforcement agencies for such action widlin their jurisdiction as they deem appropriate. I understand that knowingly making any false or fraudulent statement or representation may constitute a violation of 18 U.S.C. or other federal, state, or local criminal statutes and may result in imposition of a fine, imprisonment, or both. Cardholder Sign re List Continues on Back XXXX XXXX Navy Fedal NFCu XXXX ( XXXX ) -ist of Fraudulent Transactions ( Continued ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX NFCU XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal XXXX XXXX XXXX XXXX XXXX Card MINIMUM PAYMENT DUE PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED XXXX XXXX XX/XX/XXXX XXXX xxx xxxx xxxx XXXX $ PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO : NAVY FEDERAL XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX FL XXXX XXXX SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION Previous Balance {$8500.00} Payments - {$170.00} Other Credits * {$0.00} Purchases + {$1.00} {$26.00} Cash Advances + {$200.00} Fees Charged Interest Cha ed + {$93.00} New Minimum-payment Duo {$210.00}. Payment Due Date XX/XX/XXXX Late Payment Waming : lf we do not receive youd @ minimUm payment by the date listed above, you may have to pay a- $ XXXX late fee and your APRSOaybe increased up to the Penalty APR of 18.00 %. Minimum Payment Warning : If you make only the minimum payment each period, you will pay more in interest and it will tak & you longer to ay off your balance. For example : Balance {$10000.00} Past Due Amount {$0.00} Credit Limit {$17.00} ; XXXX Available Credit $ XXXX Cash Limit {$5.00} ; XXXX Available Cash {$4.00} ; XXXX Statement Closing Date XX/XX/XXXX Da s in Billin cle30 Ifyou make no additional charges using this card and each rnonth you pay. You will pay off the balance shown on this statement in about.. And you will end up paying an estimated total of ... minimum payment years {$20000.00} Navy Federal More Rewards American Express @ Card Rewards Details Rewards for XX/XX/XXXX Qualified Spend Rewards PoinE Groceries {$8.00} @ 3x 27 Gas Stations {$210.00} @ 3x 636 Restaurants {$0.00} @ 2x Other Eligible Purchases {$1700.00} XXXX Total This Period {$1900.00} XXXX Total Reward Year to Date {$10000.00} XXXX CREDIT CARD CHANGE OF ADDRESS NFCU ACCOUNT NO. CARD ACCOUNT NO. RANK/RATE NAME ( FIRST Ml SUFFIX ) NEW ADDRESS CITY STATE ZIP CODE APPLICANT OR CO-APPLICANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLETO : THIS CARD ONLY ALL APPLICANT 'S NFCU ACCOUNTS C ] JOINT NFCU SAVINGS IS A JOINT ACCOUNT HOMETELEPHONE WORKTELEPHONE | ||||||
| 01/11/2022 | Yes |
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Web | Servicemember |
| Agent, At the beginning of the Pandemic, I had to buy materials for my home to stay healthy because allot of items were leaving the shelves, i.e., medicine, food, mask etc. I am a XXXX and needed to ensure I stayed as healthy as possible. I was already living from Paycheck to Paycheck because of XXXX XXXX and going back and forth to XXXX XXXX from XXXX XXXX often for my XXXX services. I had a lot more bills, but the XXXX services were a major task. XXXX XXXX XXXX contacted me and informed me they could help me pay off my bills and increase my credit. I agreed to their terms and paid them faithfully every month. I graduated the program XX/XX/2021, and they had the XXXX XXXX XXXX to negotiate an agreement with each lender that I had. My credit should have been repaired and no delinquency reported to the collection centers, or Credit Bureau, but that did not happen. Navy Federal agreed to the terms and is reporting that I have delinquent payments and a bad debt for the two accounts I had with them. I am attaching both settlement letters from the Navy Federal Credit department and the graduating letter from XXXX XXXX XXXX. Navy Federal is also still showing that I have a balance due for the paid off credit card account. Please help. Sincerely, XXXX XXXX XXXX The letter from XXXX XXXX XXXX CONGRATS YOU XXXX XXXX To : XXXX Tue, XX/XX/2021 at XXXX XXXX Congratulations, This letter is to inform you that you have successfully completed your program. We are excited and proud of your accomplishments and all the hard work you have put into building your future. We would like to remind you of the ongoing programs available to you and your family on your road to financial freedom. - The XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX provides members with access to a nationwide network of over XXXX plan attorneys who provide free and discounted legal services to you and your family. As a member, you are entitled to a referral with an attorney to handle your legal needs when the unexpected happens. - As well as, XXXX XXXX XXXX XXXX XXXX. With every credit report you, receive a consumer-friendly yet detailed analysis that breaks down your credit and identifies the top positive and negative factors affecting your credit. Additionally, XXXX XXXX gives you a detailed credit-boosting plan to maximize your credit. Make informed spending decisions based on objective, factual credit information. XXXX XXXX reveals conflicting information from Credit Bureaus to rectify situation immediately. In conclusion, if you have accumulated any other unsecured debt please let us know. So that we can assist you stay debt free and able to partake in the great interest rates available to you. If you have any further questions, please contact ( XXXX ) XXXX. As always, it is a pleasure to earn your business. Best Regards, XXXX XXXX XXXX XXXX Ph : XXXX Fax : XXXX Fair Debt Collection Practices Act and Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX or after XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. Confidentiality Notice : This electronic mail transmission may contain confidential or privileged information. This electronic mail message is transmitted exclusively for the intended recipient. It is not intended for transmission to, or receipt or use by, any unintended or unauthorized persons. Any review, use, printing, copying, retention, disclosure or distribution not expressly authorized is strictly prohibited and may violate applicable laws If you have received this message in error, please ( 1 ) do not read it or any attachment, ( 2 ) immediately reply to the sender that you received the message in error, and ( 3 ) erase or destroy the message and any copies that may exist. XXXX XXXX XXXXXXXX XXXX | ||||||
| 06/13/2020 | Yes |
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| XX/XX/XXXX I applied for a mortgage loan with Navy Federal Credit Union. After I applied I received a message that said I would get a response in 24-48hrs, however when I logged into my Navy Federal bank account I noticed that I had already been provided a loan number and an approved loan amount of {$460000.00}. I called the bank to request a letter so that I may go looking for a home and I was told someone would follow up with me. I also asked for the interest rate, type of loan and how much my payments would be. I was told my loan amount was {$450000.00}, my interest rate would be XXXX, and it would be a conventional loan. I asked if this included my HOA. I was told no and my monthly payments would be {$2600.00}. On XX/XX/XXXX, I received a call from XXXX who mentioned she was sending the e-mail right away with the pre approval. I asked which e-mail address she sent it to and she gave XXXX. I explained that was not my e-mail address and I provided her the correct one. I stayed on the line while she tried to send it but I never received it. XXXX stated that her system froze and she would call me back later. I never received a return call from her. I sent 3 e-mails to my loan rep XXXX. She only replied to one of them, stating they were working on my application and she would get back to me. She never did. This morning XX/XX/XXXX, I received an e-mail requesting for me to log in and sign my mortgage documents. I was overly excited and began to mentally plan my day with the realtor. I opened the e-mail to sign the docs only to find a credit denial letter. The letter was requesting for me to print and sign a credit denial letter. The reasons for my mortgage loan getting denied was due to delinquent past, or present credit obligations with others & collection action or judgment. This is false. I filed bankruptcy in XXXX and I have never been late with any creditor since then. I also monitor my credit daily and I know exactly whats on my credit report. Navy Federal provided my credit score of XXXX. This score is in range to obtain a mortgage. I have done the research myself and I know that you can purchase a home with a minimum fico score of XXXX. Navy Federal Credit Union led me to believe that I was already pre-approved for the loan and all I would need was the letter and to sign the documents. I was devastated this morning when I woke up to an e-mail that was sent at XXXX requesting for me to click and sign my loan docs only to open them up and read a credit denial statement. It seems that navy federal goes out of their way to emotionally upset their consumers and several different ways. I called my family members and told them I was purchasing a home and I even shared the news with my children. Ive involved a realtor and now I have to tell everyone that it wasnt real. XXXX XXXX needs a better policy in place when approving or denying a mortgage application. For an entire week from Monday-Saturday I was planning to move into a new house, purchase new furniture, and imagine myself and my children in our new home. All of that came crashing down when I opened my e-mail this morning. I am not sure why Navy Federal approved my loan one day and then another day denied it. I do not have any outstanding delinquencies, they were all covered in my bankruptcy in XXXX, since then I have paid everything on or before the due date. I do not have any collections or outstanding judgments. Navy federal denied my loan for personal reasons and the only reason I can think of is racial discrimination. My name is very ethnic. Anyone that sees my name on any document can guess right away that I am XXXX American. Navy federal discriminated against me and then flat out lied about it. First they approve me then deny me. This is obsurd and I hope Navy Federal isnt doing this to other consumers. Navy federal has upset and devastated me and my family beyond belief. Owning a home is the ultimate American Dream and I thought I had accomplished this for myself and my children, but today I will have to explain to them and my family along with the realtor that we will not be getting a home and they will have to continue to share a room until we are able to find a lender that treats XXXX Americans fairly. | ||||||
| 07/09/2023 | Yes |
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Web | Servicemember |
| My wife and I closed on our home in XXXX, NY on XXXX XX/XX/2023 with XXXX XXXX. At the time of closing the landscaping was incomplete, which included ; final grading of the lot for positive drainage within 50 feet of the home, power/auto raking of the lot in preparation of grass, adding of on-site top soil, and installation of a starter lawn via hydro-seeding within a 50 foot perimeter of the home. Closing before the home is 100 % complete is allowed by the XXXX XXXX XXXX XXXX as long as the XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX ) XXXX XXXX Section XXXX is followed by the lender. The section limits the types of incomplete work to walkways, driveways, retaining walls, exterior painting, landscaping, and garages. The XXXX permits this work to be postponed along with an escrow of funds necessary to complete the work later. The lender must withhold 1.5 times the dollar amount necessary to complete the postponed items ( as estimated by a third party ) from the proceeds due to the seller at closing. Lenders are not required - but are still permitted- to withhold funds in escrow if the work is limited to the installation of landscaping due to inclement weather, the estimate of the cost to complete the work is not greater than {$2500.00}, and there is assurance that the work will be completed timely and satisfactorily ( 90 to 120 days ). During the weeks leading up to closing on our home, Navy Federal failed to follow the guidance as outlined within the XXXX XXXXXXXX XXXX which has now led to us having to contract the incomplete work to a third party in excess of {$10000.00}. Navy Federal sent an e-mail to the seller/builder on XXXX XX/XX/2023 stating that an escrow hold back would not be required if the cost was under {$2500.00}. The seller/builder responded the same day stating that seeding is typically a {$700.00} hold back with the town. Navy Federal used this as the estimate to forgo establishing an escrow hold back despite knowing that the work to be postponed included more than seeding, as outlined and explained by the VA 's XXXX, and against VA guidance of using a third party estimate. Additionally, XXXX XXXX failed to perform any due diligence to verify a hold back with the town was established to provide assurance the work would be complete within XXXX to 120 days, or use alternate means ( such as use of VA XXXX XXXX ) to establish adequate assurance. It was later discovered that there was no hold back with the town, and we are currently at day XXXX post closing with the work still not completed. I have worked for the past few months with Navy Federal and the VA in an effort to get the builder to complete the contracted work. However, since Navy Federal failed to follow the escrow requirements for postponed work, there is no leverage over the builder to get the work completed - other than the VA 's rights to sanction program participants. The VA has since sent ( around XXXX XX/XX/2023 ) the builder a Limited Denial of Participation for failure to follow VA XXXX XXXX requirements and is sending the loan to their central office for review for noncompliance ( around XXXX XX/XX/2023 ). The central office will determine if the noncompliance was egregious enough to warrant retraction of the VA XXXX XXXX - this is because per XXXX XXXX Section XXXX, it is the lender 's responsibility to ensure the work is completed. Although the builder/seller is not faultless in this, it is Navy Federal 's failure to follow the XXXX XXXX guidance and obtain a third party estimate that has led to the additional cost of over {$10000.00} to have the work completed. Had Navy Federal received a third party estimate they would have found that seeding alone would have cost over the {$2500.00} maximum to forgo an escrow. This would have led to roughly {$15000.00} being held in escrow which would have leveraged/encouraged the builder to complete the contracted work - or to be used to pay another XXXX to complete the work. Additionally, it would have prevented hours and hours of personal time being spent trying to correct this issue over the past months, and hours of XXXX personnel time working with the lender and builder. Please see attached email threads for additional information. | ||||||
| 11/15/2017 | Yes |
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Web | Servicemember |
| In mid to late XX/XX/XXXX I visited XXXX, NY for about 3 days. When i returned home I noticed an amount of around {$1100.00} debited from my Navy Federal Credit Union checking account. I called the bank and reported a fraud claim with the assumption that someone had used a receipt or my checking card number to make purchases at a XXXX XXXX and an XXXX location somewhere in New York. The bank opened a fraud claim and quickly refunded my money without any issues. No other communication took place to my recollection. XX/XX/XXXX, without any notice, i saw a deduction from my checking account listed as Adjustment-DR {$250.00}. I notified Navy Federal of this. They stated that it was them who deducted the money but they could not tell me why is was deducted. They returned the {$250.00} since they could not tell me why it was taken. After a few days they called and stated that they found I had another checking account in XX/XX/XXXX that had a debt that was not paid off. I told them I had never had another account and had the same checking and savings with them for the last 15 years. They did more " investigation '' and returned with the story that my fraud claim in XX/XX/XXXX, 10 years earlier, had been denied. They stated that the bank was claiming the money they had refunded me in XX/XX/XXXX for the fraud claim as a " loss '' and needed to collect this money. Without any communication or notification they had processed an " adjustment-DR '' in the amount of {$250.00}. I had never been contacted in the 10 years prior about my fraud claim being denied. They said, if i wanted to appeal, I could send an email to XXXXXXXXXXXX which i did on XX/XX/XXXX. 10 years after my fraud claim. I received an autoreply stating it would be 15 days before I received a response from them. I was then told by XXXX, the associate helping me, she would put a 30 day hold on any other money being deducted from my account. I never any other reply from the initial fraud claim besides the auto reply. Then on XX/XX/XXXX I noticed another Adjustment-DR from my Navy Federal checking account in the amount of {$120.00}. I called Navy Federal and inquired about my appeal claim. They stated they never received it. I told them I had an auto reply that it was received and being processed. I was asked to resend this and call back immediately to make sure they received this new claim which they did and I received the same autoreply as in my first appeals email. I then went immediately to the bank and asked about the most recent adjustment-DR. I was directed to XXXX, one of the bank managers. She looked up my account and could see multiple notes made about this. She also mentioned that another deduction had been processed on XX/XX/XXXX " Adjustment-DR '' in the amount of {$910.00}. She also mentioned the claim had been closed by XXXX. She attempted to call multiple resources to inquire about this and no one could give her any information. XXXX and XXXX, the other manager, have been working on getting information on this issue They have been told the bank is still investigating the issue and has no information at this time even though the claim has been closed. There is no explanation as to why the claim was even opened or why they have taken {$1000.00} from my personal checking account. I have requested for this money to be returned until they can provide proof as to why it was taken. This request was denied. I am a single father of XXXX children ages XXXX, XXXX, XXXX. Over {$1000.00} was deducted from my personal checking account without notice, without reason, without any proof or explanation, and no representative has been able to provide me with any solid information for any of this happening. It has been 10 years since my initial fraud claim was supposedly denied which I was never notified of. The managers at my local branch have told me they usually close these types of things in no longer than 3 years and call it a loss. I have spent countless hours on the phone with Navy Federal, in the local branch all of which has affected my personal life both financially and personally with my children. It has cause stress, lost work time, and issues in my marriage due to the time and stress involved. Please help. | ||||||
| 07/15/2019 | Yes |
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Web | Servicemember |
| Please read from bottom to top. This is my correspondence with Navy Federal Messaging service. Subject : Credit Card Denial Your Message XX/XX/2019 : Which is it? First you say it's my credit limited credit history, but I quickly disproved that. Now, you say it's all of these other things, that can also be disproven. With an XXXX credit score with XXXX, a household income of {$170000.00}, and 15+ years of credit history ; I find your explanation hard to believe. With an XXXX credit score with XXXX, a household income of {$170000.00}, and 15+ years of credit history ; I find your explanation hard to believe. I know my credit repayment history ( excellent ), my debt to income ratio ( XXXX ), credit utilization, ( XXXX ), payment history ( 100 % on time ), Derogatory remarks ( none )! This leads me to believe your internal lending guidelines has race criteria and it was used in evaluating my application. If this was not the case, my caucasian friend, another applicant, who has half of my credit history, significantly less income, credit score, and terrible payment history, would have been denied credit as well, but not only approved, but given a {$25000.00} " unsecured '' credit limit. This is discrimination all day and it's common practice for lending institutions, like yours, to rely of your " internal '' lending guidelines to secretly discriminate. Complaints will be filed! No further actions or communication is required on your part. Navy Federal Response XX/XX/2019 : Thank you for your response. Like most financial institutions, we have adopted a rate scale which assigns rates based on specific risk factors that include income, credit repayment history with both Navy Federal and other lenders, debt-to-income ratio, and credit utilization. As part of this process, lenders may choose from different credit models that are available from the credit bureaus. Lenders will pick the model that they feel best suits their financial need. Therefore, the score that we obtain may differ from that of other financial institutions, or those obtained directly from the bureaus. A letter has been issued to you via mail with your Navy Federal score and additional information in regards to your application decision. Although we can not provide your with our internal lending guidelines, we can advise that based on the limited credit history provided by XXXX, we are unable to grant an unsecured credit card at this time. If you have any further questions or concerns, please let us know. Your Message XX/XX/2019 : What exactly is a " Navy Federal Credit Score '' and where can I find this score? I am aware of XXXX XXXX, XXXX, and XXXX, but didn't know about Navy Federal. What are your minimum guidelines for credit? I have 14+ years of credit history, what is the standard? Navy Federal Response XX/XX/2019 : Thank you for your message. We have conducted a second review of your application. Unfortunately, based on our lending criteria, your Navy Federal credit score does not meet the minimum guideline for credit at this time due to limited credit history. Although this request has been denied, it does not mean that future requests will be disapproved. Navy Federal evaluates each credit card application using the same lending criteria. Navy Federal does not discriminate and did not do so in this case. If you would like additional information regarding the credit bureau information used in our decision, you may contact XXXX XXXX at XXXX. Navy Federal obtained your credit information on the date of XX/XX/XXXX. Please provide this date to XXXX XXXX in order to receive the most accurate information. If you have any questions, please let us know. Your Message XX/XX/2019 : I just applied for a credit card with an excellent credit score and over $ XXXX a year in income. If I didn't think I would be approved for this card, I would not have applied. ( Hard credit inquiries ) My race wouldn't have anything to do with that .... would it? My XXXX friend, who told me about the card, just applied and was quickly approved. What's going on? There is no need for me to wait on a letter explaining you denial of my application, this is ridiculous and unacceptable! | ||||||
| 01/28/2022 | Yes |
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Web | Servicemember |
| I am in a state of emergency I have been robbed while traveling someone broke into my truck and found where I had my traveling emergency cash and stole it now I called Navy federal and asked him if they could make my pending deposit available two days or three days early instead of one day early and they said no the money is not actually in the bank the federal government is just saying they are going to pay you this money on that day we already pay you one day early as a courtesy for being retired military OK I says maybe I can borrow it I just need it may be {$1000.00} to get where Im going my truck is a tow package and uses a lot of gas and I wanted to make sure I had enough money to go or get home anyway I was shot down on the loan because of Credit I guess I will get a letter about that and I forgot to mention the lady I asked the lady a civil what do I do if I get turned down and she said you call us back and well work through this somehow well I called back and the customer service agent said we cant we wont and I said let me speak to your supervisor and I had also spoken to the same lady about this issue already at which point during the previous conversation I said let me speak to someone higher in authority than you I dont care if it is the board members and you have to wake them up at XXXX this morning I dont care this is an emergency Ive got to get home Im in my truck all night long now and it is cold and I am hungry and tired I wan na go home she said there was no one of higher authority than her or would not let me speak to anyone so I said the last time I ask you to speak to the board members I ask this time Im not asking Im telling you youre going to let me speak to the board members or at least give me a phone number or an email address where I can contact the board she said there was no way of contacting the board and I said why do they not exist are they dead are they Democrats is this how Biden got elected he used our XXXX board members as voters anyway I was being a little sarcastic but I was actually very hot at the stupidity of that statement I told her if there are not contactable then I want to run for membership on the board myself and Im going to Ill get to that at a later point in my life or maybe not so late I think it wont be so late matter-of-fact finally she gave me a website after I talk to her a third time and I was very blunt and stood my ground but still respectful she could not answer a single question she bagged herself into a corner where she just could not say anything and then said Im not talking to you anymore hang up and dont call back well not only was I treated like I was a nobody Ive been with this bank at which I forgot to mention since XXXX it is XXXX XX/XX/XXXX to today this is my complaint she finally said when I brought it to her attention that XXXX XXXX accommodated me and the same situation and said they had an emergency I believe it was XXXX XXXX I might be mistaken about that but Ive been XXXX XXXX about as long as Ive been with Navy federal anyway they said for emergencies they would do it once a year up to five days early if the deposit was pending in the account already now I said does Navy Federal Credit Union not have emergencies she said no oh no not Navy Federal Credit Union they do not have XXXX and I gave her examples of emergencies I have answered the call to while I serve 21 years in service from my country I told her I answered the call when it was an emergency and went above and beyond I said let me speak to the captain I said Ive spoken to many captains on their carpet throughout my life and I said it when I was right I stood my ground and Im right now and Im gon na stand my ground and Im not asking Im telling you to let me speak to the captain so she this at this point she said theres no way to talk to them they dont exist so I believe that was the term she was they dont exist anyway my complaint is not the fact that I was so dismissed so vulgar XXXX my complaint is also the fact that a branch manager was the highest level authority to speak to at Navy federal customer service high was XXXX on by the bank that I gave almost 50 years of loyalty to or may yes almost 50 years | ||||||
| 11/13/2023 | Yes |
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Web | Servicemember |
| I have repeatedly had problems with Navy Fed. They stole {$250.00} and {$79.00} from my account when I repeatedly advised them I had no part in whatever took place on my account. I advised them of my account information being stolen and another time lost but they've repeatedly ignored me! I requested appropriate paperwork to file whatever I needed to dispute each issue and wasn't given it and was also ignored. I was told I used abusive and profane language and therefore they weren't going to honor my legal serious requests. I have the message I sent that they are claiming this on. It absolutely doesn't contain any abusive nor profane language! Whoever responded has to be in their feelings, is very unprofessional, and incompetent! They need to comprehend and understand that them stealing my money is a highly continuous problem that should've been fixed a long time ago! This issue has been going on for years and their response has been highly illegal and unethical according to their own policy and regulations by the government! They have been abusive and offensive to me! I even had to call the police due to the first fraud/theft for the {$250.00} on Navy Fed ! I repeatedly told them to look at the cameras to prove I had nothing to do with any of those check transactions! I told them to look at any signatures and they'll see I had nothing to do with whatever happened and I was ignored over 11 times in calls/messages! I've been trying to clear this and get my money back for hundreds of days with no results and they want to try to tell me I can't say " XXXX '' in which I misspelled. I'm completely frustrated and disappointed with the way they've mishandled MY MONEY! They also have been committing theft on hundreds of accounts by claiming they had to provide provisional credits which caused overdraft fees! What they do is every Friday-Sunday claim to not do real time transactions whether your card or check was used with a purchase but allow the purchase then Monday comes and they claim to actually take all transactions then from the weekend and claim we've overdrafted our accounts! This is a scam and illegal! First off my account is tediously watched by me due to me being aware of their theft/scam and me having very limited funds- XXXX! Every transaction I transfer the entire amount if the transaction at the time of the transaction in front of the merchant, then I unfreeze my card/account, then provide the payment! There is an abundance of proof of that on my account in the transfer transactions with the day/time clearly viewable on the app/website! So how is it that I didn't have enough to cover any transactions over the weekend? They couldn't and still can't prove I didn't have the money to cover due to me transferring the exact amount of ANY transaction before i provide the merchant with payments! Navy Federal Credit Union needs to be audited by all regulating agencies immediately for these issues I've presented! This is a very serious matter and yall should make sure they get further reported! They've been stealing money for as long as they started the overdraft! I put my life on it! They also have continued to ignore me disputing charges I didn't authorize! There was a charge of a little over {$110.00} that they've taken {$29.00} repeatedly for rejecting the payment in which I didn't authorize at all! I've repeatedly requested my account/card be shut off immediately since this all started and again XX/XX/23 and still today my account is still fully open! I opened up a new checking and savings with them because they've ignored my legal request then I took all my money from all accounts because they've still ignored me. I've repeatedly requested ALL my money be returned to me and I have been repeatedly ignored! This is very serious! I repeatedly informed them of my XXXX and I've been treated so horrible I've cried hundreds of times and can't take anymore! You will see that they didn't follow their own policy/terms/conditions- they didn't respond with the two business days, they didn't fulfill my serious requests, they didn't provide appropriate paperwork. I followed their instructions and was completely and continuously ignored and ridiculed.. | ||||||
| 03/15/2023 | Yes |
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| hello My name is XXXX XXXX XXXX XXXX # XXXX my address is XXXX XXXX XXXX XXXX Oh XXXX. My auto loan with navy Federal account # XXXX increased from XXXX to XXXX in XXXX of 2022 I called in to get an explanation for the increase and was told by a customer service rep on my 3rd time calling in that the interest had increased due to navy federal not being added as a lean holder on the title by 90 days after the vehicle being refinanced I told the Rep that the lean was place on title a few days after I received the pay off notice for XXXX XXXX and was sent in by the BMV of Ohio. She could not find any internal record for this and told me an investigation would take place to try and locate any paper work or electronic lean sent by the ohio BMV and any difference would be credited to my account. In XXXX I again reached out about the amount of my loan not reflecting the correct loan amount I was again told of the reason as in the lean as was told there was not any notes of an investigation I was then told I should reach out to the BMV and have the lean placed on the title and my loan would revert back to the lower intrest rate. I contacted XXXX XXXX to get another payoff disclosure because the original was given over to the clerk at the Ohio BMV it took 2 weeks for this new pay off letter to come I again went to the BMV and had a Lean for navy federal places on the Title and sent navy federal copies of the paperwork from pics I took I contacted navy fed again and was told it was in the middle of the bill cycle and the XXXX would come out and could not be adjusted for the XXXX Bill cycle but would reflect in XXXX and the new payment would be slightly higher than the XXXX due and a new rate of XXXX would start on my XXXX payment I also recieved a letter from navy fed stating the new payment would start in XXXX. I again paid the XXXX note and when the XXXX payment came it still had the higher XXXX payment and not the XXXX I contacted navy Fed again and spoke to a rep that sent me to the supervisor after she said it was mistake on their in the supervisor told me she could see the error was on there end but the loan department would have to fix it and my account would be credited the difference and I should wait 3 to 4 days for it to reflect I waited the time I was told and nothing changed and a automated withdrawal for XXXX was taken from my account I called navy fed and spoke to a rep who again told me she could see the area and the loan dept had not fixed the issue even though a ticket was in I was transferred to the Dept manager where he had me wait on the phone for 1hour and 30 mins trying to resolve the issue in which he could he again bput in another e ticket to resolve the issue and I was told by the rep since the payment was pending I would have to wait for the difference to be refunded with 2 -3 days this was XX/XX/XXXX. After my account was not credited the difference I called in again and spoke to a Supervisor named I was told she would investigate the matter and listen to previous calls where I was told on multiple occasions my account would reflect the new payment of XXXX in XXXX and now even my XXXX upcoming payment was still showing for XXXX she said a new letter was sent that the change would take place in XXXX payment which I argued makes no sense for a change to occur 4 months after the requirement was met and this is not what I was told by multiple Reps and supervisors she again stated she would look further into the situation and return a call back to me Monday after speaking against to a Rep Tuesday XX/XX/XXXX I was again told that in the notes a error was found on navy feds behalf and another E ticket was placed to the loan department this time the rep told me my monies would go to the principle and my account would not reflect the XXXX amount would not show until XXXX again an unacceptable outcome. this is a breach of the contract. The failure of navy fed to record the initial lean was not my fault and after I corrected the issue I am still being unjustly charged a higher amount than what I was told and the corrections where not and have not been changed as I was told in XXXX and they are delaying on giving me any remedy | ||||||
| 10/26/2021 | Yes |
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Web | Servicemember |
| I purchased tickets to attend Imagine Music Festival on XXXX XXXX through See Tickets, which is the company used by XXXX XXXX XXXX to sell their tickets. The festival was supposed to happen XX/XX/XXXX - XXXX. On XX/XX/XXXX, less than 24 hour of showtime, Imagine was forced to cancel due to weather. They claimed they were going to send out information to request refunds or roll tickets over. I called See Tickets to see if I can go ahead and start the refund process. Upon calling, they said they are not receiving phone calls and to visit the website. I decided that I would dispute the charge with Navy Federal after not hearing about how to get a refund on my purchase. Navy Fed issued me a credit and opened a claim. I have explained I have tried to contact the festival and See tickets and I have yet to receive a response. XX/XX/XXXX Navy Federal decided to reverse the temp credit in favor of the company. After I have shown proof that the festival has been cancelled. After I called customer service, I find out that on XX/XX/XXXX, emails from XXXX were sent out to fill out a form for the first round of refunds within a certain time frame. XXXX have given people 5 days to fill out the form. Which isnt enough time for people to receive emails and decide whether or not they wanted to roll over their tickets. I never received an email, apparently a lot of people didnt either and some people had their friends forward the email so they can file for the refund. Since I didnt get the email I missed the date. I thought I was covered anyways because I knew I started a claim. When I found out about the form, I clicked on the link from a poster that had the email sent to them. When you click on the form it takes you to a page that says refund times are now closed and if you need more information, please contact XXXX I tried to email them, but the email did not work. Then I reached out to See Tickets and they said to contact XXXX XXXX has posted 2 different emails and I have yet to hear from the one that actually went through. Also when I called Customer Service Navy Fed. They told me sorry you missed the date, but they said they were never going to send out emails. If thats the case then why did SOME received emails and others didnt? Im trying to understand how Navy Federal got in contact with the company to even reach the decision they did. I have tried to appeal the decision, and I havent heard from anyone since. I have posted my complaint on their page to get some kind of help, and yet they all keep telling me to send them an emessage from the website. I spoke to a live chat and they have told me that it may take up to 6 days, but Im unable to call and get in touch with claims to have an appeal instead of an message thats not going to get seen? XXXX has claimed that there is going to be a second round of refunds, but for now if you didnt make it to the first round your tickets are rolled over. The 2nd round of refunds are when they release the line-up, which isnt going to be until next year. So I have to wait until next year to receive my money? And I may or may not get an email for that 2nd round of refund. I dont understand how Navy fed came up withthtat decision when I cant even reach the company. I feel like the first window for refunds were so small because they were betting people werent going to see it in time so tickets can roll over. This is to ensure their investors that the festival was going to be sold out again. Which its been at 98 % sold out for the entire time. Which isnt true, they market that on the website to create FOMO and to trick companies into investing into them. Also XXXX 2-3 days before the event said Rain Or Shine and they canceled it due to rain. Its just a lot of false advertisement and then on top of that Navy Federal siding with them as if they did a thorough investigation. I have spoken to other people and their banks have sided with them due to the situation. Again XXXX cancelled their event less than 24 hours of showtime. I just want my money bank. Im not attending this festival next year, due to how they handled this situation and Im unsatisfied with how Navy Federal handled my claim. | ||||||
| 04/07/2023 | Yes |
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Web | |
| this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out on my open-ended consumer plan balance monthly. Best Regards, Signature QUESTIONS 1. Validation of Debt- that is, the actual accounting. 2. Verification of their claim against me ; That is, a signed invoice. 3. A copy of the Contract binding both parties ( you and I ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered. '' Please attach copies of the following : Without Prejudice Full Disclosure ( I was not told that you were actually creating the credit with my e signatures, ) Equal Consideration ( what did you bring of value? and so had nothing to lose ) Lawful Terms and Conditions ( Mines based on Fraud ) Wet signatures of both parties -- ( please keep in mind the corporations can't sign because they have no right or mind to contract since they are soul-less legal fictions : and furthermore, no third party can sign a contract on their behalf ). on XX/XX/XXXX I received XXXX statements { XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX } from Navy Federal Credit Union. ( A STATEMENT is not an Invoice '', so would you please provide a signed " invoice '' as requested. ) on XX/XX/XXXX I also received a promissory Note. This however does not constitute a contract as it is only signed by one of the parties which is myself and I asked for a Contract signed by both parties. Please provide the name and address of the bonding agent for NAVY FCU, in case legal action becomes necessary : You must return this completed form along with copies of ALL requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information. | ||||||
| 02/22/2023 | Yes |
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Web | |
| XXXX XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$3500.00}. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above-referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The subsections you violated are as follows. 15 USC 1681 ( a ) 1, ( a ) 2, ( a ) 3, ( a ) 4, ( b ) 2. Your company said that you did an investigation on this account, and it was verified. As a consumer, I exercise my rights under 15 U.S.C. 1681i ( a ). I'm requesting your method of investigation and verification. I'm granting you 15 days to respond to my request. I also exercise my rights under 15 USC 1681 ( a ) e. I want to know who you spoke with regarding this matter and what communication method you used. And, what company did you talk with, and what are the employee 's name and the number who furnished this information? Also, What's the neighbor 's name, friend 's name, associate 's name, and acquaintances did you speak with? Was all the information factual? Please be advised that this is my FINAL WARNING that I fully intend to pursue litigation under the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my dispute letters that you verified that the items listed below are accurate, but you failed to send me copies of the documents you used to verify these accounts as per my request. You have ignored my request to send me copies of the documents you used to verify the disputed accounts is evidence that you can't and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can't verify after written requests is also evidence of your willful disregard for Federal Law. When we go to litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the proper and correct documents you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files proves that you did not correctly verify the accounts within 30 days as required by law, and the Court will order you to delete them. You say that you have reinvestigated these accounts. Still, you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts, which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts. Still, you also ignored this request, another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ''promptly DELETE all information which can not be verified. '' I request that you do this immediately. I am a litigious consumer and intend to pursue litigation to enforce my rights under the FCRA. The law is evident as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. | ||||||
| 09/29/2020 | Yes |
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Web | Servicemember |
| XXXX weeks ago I went into Navy Federal Credit union in XXXX, CA. I spoke with a loan XXXX named XXXX. I explained I have a XXXX XXXX XXXX under XXXX XXXX XXXX XXXX XXXX for 2.5 % and I'd like to refinance with Navy Federal for convience seeing as I bank with them. I told XXXX I applied online and it gave me a rate of 5.39 % however I believed I qualified for an XXXX XXXX discount ( considering I get VA XXXX direct deposit to my account ). XXXX made a phone call to verify that I qualify for the XXXX XXXX discount, got off the phone, and stated that I did. I informed her my rate is 2.5 % currently and if it was much higher it would not be worth my time to transfer the loan to Navy Federal. She asked me what interest rate I was expecting and I said around 3.89 % which is the lowest. She said she understood and that it did not make any sense to double the interest rate I currently have. She gave me a piece of paper to sign with the higher interest and stated she could not do anything currently because I originally applied online and in order to get the check to pay the car off for XXXX XXXX XXXX XXXX XXXX that I had to sign and the lower interest rate would come in the mail, updated, which I needed to sign and return. About a week later I recieved the " updated '' promisory note in the mail for 5.14 %. I went back to Navy Federal and XXXX was standing at the door to greet people. She instantly reconized me and I told her the paperwork did not reflect the interest rate we spoke about. She seemed shocked and stated she could not help me because she was at the door and she would get someone else to assist. Another loan officer, XXXX, came to speak with me. He pulled up my account and stated the original loan interest rate was for 5.39 % and it was dropped to 5.14 %. I attempted to explain that XXXX did not tell me that and I was told it would be in the 3 % range. XXXX stated he placed a request to get a recording of the call XXXX made to the corporate office regarding my XXXX XXXX discount. XXXX stated 5.14 % was with the XXXX XXXX discount. I told him if XXXX had not lied to me about the interest rate I would have stayed at the other bank for 2.5 %. XXXX stated the phone recording request would take max 48 hours and I should be receiving a call back. However, that was not the case. I call Navy Federal back on a Friday over 48 hours later. They stated they were still working on finding the recorded conversation and to expect a call Monday. On Tuesday I called again after not hearing anything back. The lady on the phone stated they were unable to locate the call due to it being two employees and not me on the phone. She stated the note in my account said " resolved ''. I assured her the situation has not been resolved and she directed me to speak with the branch manager at the XXXX location. I went back that afternoon and told the gentleman at the door I wanted to speak with the branch manager. He took my first name and phone number down and told me to sit and wait in my car until I was called. 20 minutes later I received a call from XXXX stating he was ready for me. - note that XXXX is not the branch manager - He walked me into his desk area and pulled up my account without any verification or identification. He stated immediately that there was nothing they could do and that the rate can not be lower. I told him I came here to speak with the branch manager and to make a formal complaint about blatently being lied to by XXXX. He directed me into the branch manager 's officer. She immediately tells me theres no need to tell my story and that she was already briefed. I told her XXXX is sneeky and seemed very shocked about my interest rate being incorrect however has not attempted to fix it or take blame for it being incorrect, and thats all I needed to know about her. I was tossed around for two weeks from different Navy Federal associates and nothing has been " resolved '' as the computer said. She stated she would attempt to fix it and to give her four days. She handed me a {$25.00} giftcard for my troubles and sent me on my way. I still have nothing fixed or any answers. | ||||||
| 10/03/2018 | Yes |
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Web | Servicemember |
| Bought sight unseen before my husband was XXXX here in Texas. We hired an inspector, who recommended hiring a structural engineer to double check foundation -- structural engineer cleared foundation stating it needed " no fixes ''. We closed XX/XX/XXXX and not even a few weeks later started to notice doors swinging open and some not locking. My husband XXXX to XXXX in XX/XX/XXXX and by XX/XX/XXXX we had an estimate by XXXX XXXX XXXX XXXX when they let us know our foundation was in horrible shape and recommended taking action against the structural engineer because the foundation didn't sink over 5 inches in even a year and was definitely in not okay shape when we bought. On XX/XX/XXXX I hired XXXX XXXX XXXX to give us a second opinion estimate about our foundation and had to bring out a plumber out the same exact time because our washing machine drain was " clogged ''. XXXX was very upset the house ever passed inspection because it is now 8.5 inches sunk over our kitchen and laundry room and this had been exacerbated by the drought, but this absolutely was in horrible shape when structural engineer came out. XXXX took me around my house and showed me places the seller tried to hide severe foundation issues -- replacing roofing shingles, putting siding over entire fireplace brick wall that is pulling away from home, placing rooking shingles and tar on foundation to cover cracks, putting 2 thin boards on top of brick column that holds up roof to make it level, cutting bottom of doors throughout the home to have them clear the tiled floor ( the estimate to fix was {$42000.00} ). The Plumbing company that came out also on XX/XX/XXXX took less than a minute to walk into my kitchen and realize it is my foundation crushing my plumbing that is causing easy blockage in the pipes, they flushed them to try and help me, but they also told me that soon the plumbing would be compromised completely ( estimate to fix is ~ {$10000.00} - {$20000.00} ). On XX/XX/XXXX I hired XXXX XXXX with XXXX XXXX, a licensed structural engineer to take a look at our house and he was furious the house ever passed ANY kind of inspection, either visual or in depth. After receiving his final report he stated that entire fireplace brick wall is a hazard and at risk of collapsing in the next few years, there are severe drainage issues throughout home, the roof distress ( hills in the roof structure ), the brick column with 2 boards holding up the corner of the front porch roof is HOLLOW which is a building code violation, front door is not parallel along with many of the doors in the house. Also, the seller 's disclosure is incorrectly filled out, which listing agent did not catch and should have seen. I called Navy Federal Credit Union on Monday, XX/XX/XXXX to discuss the issues with the transaction, the evidence of fraud and negligence that should have eliminated the property for a home loan and their only response was " it's a legal issue that doesn't deal with Navy FederaXXXX and you need to talk to the VA. '' I have been in contact with XXXX XXXX, agent at the VA Loan Guaranty Dept, for several weeks about this issue and he stated " Good afternoon XXXX, Thanks for sending these documents over. We have also requested a copy of the loan file from Navy Federal as well. As I mentioned to you when we spoke, Im not really sure how we can assist in this situation but we are willing to review the loan file and documents you have provided. It would seem that the issues on this loan should be addressed directly with either the Structural Engineer or your Realtor. '' I have already discussed this with an attorney and the structural engineer has no fiduciary duty to us because we didn't directly pay him, and I am in the middle of filing a complaint with Texas Real Estate Commission against the listing agent. I have also been in contact with XXXX XXXX at the Inspector General 's office and he mentioned the VA Loan Guaranty Dept should be helping in this situation and so should my bank especially when I have evidence that the home never met the Minimal Property Requirements for a VA loan. Thank you | ||||||
| 10/31/2022 | Yes |
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| XX/XX/XXXX applied for a heloc, received a call on XX/XX/XXXX XXXX XXXX to review my application. She confirmed I should have received a loan estimate it would be a variable rate. Confirmed the cost of appraisal would be XXXX and that she needs proof of rental income. XX/XX/XXXX I emailed XXXX XXXX- as the information was never received. She emailed me back and advised The file has been sent to underwriting for review 1st once complete, I receive the loan estimate XX/XX/XXXX I received a call from someone who identified themselves as a NFCU underwriter. She incited that she received my file from XXXX. She had all my personal information. She said XXXX advised that a loan of XXXX was on the property, I owned another property in Maryland I have not disclosed, and my address was not a " real property ''. This person was able to confirm my address was real- and said XXXX put my information in incorrectly. I confirmed I no longer own the other property and I don't / never carried a mortgage for this property. The underwriter was able to confirm everything also the value of the home. She said she will forward my file back to XXXX XX/XX/XXXX at XXXX CST XXXX called an advised that she still could not verify my address. I advised that her underwriter not only confirmed the address but the value XX/XX/XXXX After that phone call, I sent XXXX an email, advising if she is unable to confirm my address - I will withdraw my claim. I did provide the correct address for her to confirm XX/XX/XXXX later that day my loan was approved and showing in my online account. My homeowner 's insurance was contacted to add mortgagee. The county was contact to add the lien. XXXX I had not received any paperwork to sign. I sent an email to XXXX XXXX requesting my approval paperwork. She quickly responding saying she withdrew my application on XX/XX/XXXX and I would need to apply. I confirmed the withdraw " only '' came after she told me my address was invalid ( several times ). XXXX advised that I spoke with terms desk who spoke on my address, and confirmed the XXXX still came back as a no hit and need a full appraisal XXXX I reached out to her manager explaining the process so far and requested a copy of the approval paperwork to sign and lay this to rest. I provided a copy of the online approval XXXX XXXX XXXX responded an advised that XXXX responded a non-value on XX/XX/XXXX. She advised that XXXX withdrew the application on XXXX per mu XX/XX/XXXX request. She suggested I apply again. XXXX I again submitted a new duplicated application XXXX I received an email from XXXX XXXX - who advised that NFCU has a internal guidelines of full appraisal for secondary property. I explained this is in violation of the TILA since it was never disclosed as a requirement, and she is the 1st to say speak on this requirement. XXXX confirmed that automated evaluation was returned but not accepted. Which is now different than what was disclosed or told to me!!!! XXXX I recached out to the branch managers- seeking help and outlining the violations. XX/XX/XXXX Received a call from XXXX XXXX XXXX resolution Specialist. After 3 weeks of going back and forth with XXXX XXXX. I was told that " loan was a conditional approval, Loan was never approved, NFCU never put a lien against my house or homeowners ' policy, she can not see who contacted me from underwriting, because underwriting doesn't contact customer. I requested a copy of my file for this loan, and all the information sent to 3rd parties was left out. XXXX advised that she needed copies or proof of NFCU doing any of this. I provided a snippet of the information she should have. I expressed my concerns of my information and possible internal fraud as it looks like NFCU is saying funds was released to these 3rd parties. She refused a lien release and states the system auto generates an approval. The 3rd party notifications are sent prior to a loan approval. ***I have copies of emails for the continues lies being added on as we move forward*** At this time no movement on the new application that has been filed since XXXX | ||||||
| 09/19/2017 | Yes |
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Web | Servicemember |
| I have 2 credit cards with Navy Federal. In XX/XX/XXXX, I was given the opportunity to lower my interest rate and payment in order to make the payments feasible because i was unemployed and had become past due on the accounts. At the time of the arrangement, I was not aware the accounts had already been closed without the option to reactivate them. However, I still stayed with the plan to get them paid down and eventually paid off. Because the accounts are closed, I had no idea that navy federal would automatically initiate a transfer of funds from my checking account when the payment was past due. Over the course of this arrangement, Navy federal has taken money from my active checking account and applied to the credit card payments after I had already made a payment. The justification behind this according to a representative is that their " system '' automatically transfers the payment when there is money available in the account. I tried to explain to them that I had already transferred the payment from my checking account which ended up being duplicate payments. The most recent time this occurred was on XX/XX/XXXX. I made a payment from my checking account to both credit cards and the next morning Navy federal did the same thing causing my account to go in the negative {$64.00} ( document attached ). Not only would they not reverse the charges because it was their " system '' error. I was told they would submit a request to refund the portion I paid ; however that did n't happen. I received calls from their collection department even after these payments were made. The next time was on XX/XX/XXXX, I made a payment to both credit cards directly from checking account in hopes that it would post right away ; however the same thing happened again. On XX/XX/XXXX, i logged into my online account and was stopped by a delinquent screen ( attached ) that showed my accounts were still delinquent and the number of days were increasing. I then noticed once again they had double pulled from my account even though I had already made a payment the previous day. Additionally, After making my payments on XX/XX/XXXX, i was receiving automated collection calls and voicemails from navy federal.from phone number XXXX. When i finally answered the collection rep asked why have n't i made a payment on the account. I proceeded to tell him The payment was made and he still harassed asking questions about the accounts when he should have access to my payment screens to see those transfers. On XX/XX/XXXX, when I called navy federal at XXXX to discuss the duplicate payments, I was told they would not reverse their automatic transfer in the amount of {$100.00} because my payment terms had changed as of last month ( XX/XX/XXXX ). I was not aware there was any changes in my payment amount. I did not receive notification by mail, phone or electronic means that my payment terms had changed. The only explanation I was given was that I should 've been told by the personal finance department that the plan is only good for 12 months. I was not given that information at the time the payment plan was verbally conducted in XX/XX/XXXX. While I was on the phone with this representative, I was getting another collection call from navy federal phone number XXXX at XXXX. When I listened to the voicemail it was the same automated collection message. But once again, why am i getting collection calls for these accounts when the " system '' clearly shows my payment status. This is bullying and harassing to say the least to take advantage of people 's accounts and be able to push blame on a " system '' automatically doing this. Their policies are inconsistent depending on which department or representative you speak to. I was told in the past that they will only deduct payments from your checking account if it 's in a 30 day delinquent status but then XXXX in the collections department tells me today XX/XX/XXXX that if they wanted to, they can take it when it 's one day past due because the terms say so ... I 'm very disappointed in their business practices as a credit union. | ||||||
| 01/03/2023 | Yes |
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Web | Servicemember |
| I, the consumer XXXX XXXX, contacted Navy Federal Credit Union on XX/XX/XXXX to address my nonpublic personal information being shared with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reporting agencies and non-affiliates of Navy Federal Credit Union, without my prior written consent pursuant under Public Law 90-321, Title VI, 604 and The Fair Credit Reporting Act under 15 US Code 1681b. A personal loan, ( Acct # XXXX or XXXX ) that was opened XX/XX/XXXX and was XXXX is being shared without my permission to the previously named consumer reporting agencies. I contacted Navy Federal Credit Union after I received notification on the Navy Federal mobile banking application, that my charged off loan account has been CLOSED. Yet when I asked about the account, I was informed that Navy Federal was unsure as to why I received the notification and that I should contact XXXX, XXXX for further clarification. This account information is still being unfairly shared with multiple inaccuracies to the reporting agencies. I have NEVER given Navy Federal permission the share my nonpublic personal information. Nor have I ever given XXXX, XXXX or XXXX XXXX XXXX XXXX permission to collect and store my nonpublic personal information for this account. Navy Federal Credit Union has committed multiple violations of Aggravated Identity Theft pursuant Public Law 108-275 and The Privacy Act of 1974. As well as the Fair Credit Reporting Act under 15 US Code 1681, Public Law 90-321, Title VI, 602, by sharing my sensitive nonpublic personal information, i.e., Copyrighted Name and Social Security Number, without my express written consent, pursuant under Public Law 90-321, Title VI, 604. My personal information and copyright property has been shared and stored with XXXX XXXX, and XXXX XXXX XXXX XXXX by Navy Federal Credit Union. When I contacted NFCU about this matter the customer services supervisors refused to address and rectify the matter when I requested to Cease the sharing of my information. I informed them that this also violates their Terms of Agreement and Disclosures, which states it can be shared with the Bureaus, not Non-affiliated companies. To which they verbally insulted my intelligence and knowledge of my consumer rights. I reminded them that the call is being recorded for quality assurance and that their disclosure ( NFCU XXXX ) states that they can share my personal with affiliates such as Navy Federal Financial Group, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; or XXXX XXXX XXXX XXXX, XXXX. I did NOT authorize the sharing of my information with any non-affiliates. According to The Fair Credit Reporting Act 15 USC 1681 603, the term Bureau means the Bureau of Consumer Financial Protection, this is not to be misconstrued with the term Consumer Reporting Agency. I have attached the definitions from The Fair Credit Reporting Act. Id like to remind you that according to the Privacy Act of 1974, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains Additionally, according to Fair Credit Reporting Act, 15 USC 1681 ( a ) you must exercise fair and accurate credit reporting and respect for the consumers right to privacy. 15 USC 1681 ( b ) states that a consumer reporting agency may only furnish a consumer report in accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER, to whom it relates. Under 16 CFR 313 you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless you have provided to the consumer an initial notice, provided to the consumer an opt out notice, given the consumer a reasonable opportunity, before you disclose the information to the non-affiliated third party, to opt out of the disclosure ; and the consumer does not opt out. I have also filed a Identity Theft Report with the Federal Trade Commission for your violations. | ||||||
| 11/14/2019 | Yes |
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Web | Servicemember |
| Sent to the CEO, XXXX XXXX and Supervisor, XXXX XXXX via email on XX/XX/XXXX : Ms. XXXX, Please help me to understand why the following has happened. Multiple documents that I have submitted via NFCU 's " Home Squad '' upload system, and faxed to my Processor XXXX XXXX, mysteriously vanish into thin air - even though I am able to view them on your website, and the date stamps from XX/XX/XXXX showing they were sent. I was called last week by Ms . XXXX advising me that the following documents were " missing '' from the underwriting review : Forms SSA89 for both Borrowers Form W-2 for XXXX for Borrower, XXXX XXXX Trust Certificate for Revocable Living Trust I looked at Home Squad and all of these documents had been uploaded in XXXX, as well as faxed using the NFCU Fax Cover Sheet, to the attention of Ms . XXXX. Yet last week, they were nowhere to be found. Now I had to re-submit the documents, for the third time, and it's still pending go back for a final review to clear to close. Today, I get a call from Ms . XXXX advising me she " knew of my complaints, '' and could not answer as to why the uploaded and faxed documents didn't get " indexed '' to my loan profile. I let her know that I was upset that I've been repeatedly sending documents, and then told I never sent them - when your own systems show them sitting on your servers. Lastly, WHY would XXXX XXXX Supervisor tell her that I expressed concerns with XXXX? She told me today " I'm well aware of the multiple complaint 's you have reported about me personally, from my Supervisor. '' How am I supposed to feel comfortable speaking to her after being told that? Additionally, why would your Supervisor provide her detailed information about my complaints that related to her, while she's in the middle of processing my loan? That gives me the impression she can take adverse actions to delay the process even more, due to my complaints. I expect an answer, and I expect this loan to get final approval and closed - so I don't have to continue to deal with XXXX XXXX. Regards, XXXX XXXX and XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Sent to the CEO, XXXX XXXX via e-mail on XX/XX/XXXX : Hello - I would like to file a complaint regarding my pending mortgage refinance application # XXXX. I was assigned to Loan Processor, XXXX XXXX. I have nothing but difficulties getting in touch with my Processor by phone, email, or fax. 99 % of my contacts have gone with no response. Today, I realized my loan process hasn't gone anywhere and tried to contact XXXX XXXX after my email on XX/XX/XXXX went unanswered, my phone message to her " backup '' who I was told was not available for calls on XX/XX/XXXX went unreturned, then today I get an auto-reply that my Processor is out of office until XX/XX/XXXX? Meanwhile, title and settlement services have not been opened with the provider and agent that I gave during the initial document stage, my appraisal has not been ordered, everything is just sitting until someone feels like doing something? I had previously reached out to XXXX XXXX Supervisor, XXXX XXXX who essentially wrote back to me in an email ( which I can forward ) and said 1 ) Expect to wait 100+ days for the refinance to complete 2 ) Don't expect a response to any contact for several weeks at a time? How is this acceptable service? I have constantly bragged about how great NFCU was and great their rates were, but this refinance has totally shocked me with how poor of a service level NFCU finds acceptable. Yes, your rate match is good, you matched a competitor 's offer, but now you've put me into a place where I withdrew my application with the competitor so that I could keep my loan with NFCU, and now it's like a bait and switch, I'm stuck with horrible Mortgage Processing, and walked away from the rate the competitor offered me ( and a close within 45 days ). Can you do anything to get this process moving with a better or more efficient Processor and Supervisor? 100+ days and 2 weeks for a call or email reply is a bit ridiculous. | ||||||
| 09/07/2019 | Yes |
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| On XX/XX/19 I applied for a cashback refinance with Navy Federal Credit Union. I was assigned XXXX XXXX ( NMLS : XXXX ) ( Phone : XXXX x XXXX XXXX as my mortgage processor. I began the process of submitting all my required paperwork to satisfy all requirements. I received a conditional loan approval on XX/XX/19. I then chose my title company ( Navy Federal title services ). I submitted all the required documentation to the title service, including getting a warranty deed signed from a very reluctant ex-spouse. I then paid for an appraisal in the sum of {$540.00} on XX/XX/19. The appraisal was completed on XX/XX/19 the appraisal was completed. I submitted all the final paperwork to be processed through underwriting. On XX/XX/19 my loan was approved and cleared for closing and I received a closing date for XX/XX/19. On XX/XX/19 I received a call from XXXX informing me that I would not be able to close on my loan as laid out in the terms that I agreed upon and was approved by the lender. When I inquired as to why, I was informed that the company was unaware of Texas State regulations that prohibits cashback refinance. I was informed that I could close on my loan but the original plan to get cash back was not an option. After informing XXXX that I needed to process the information I called another lender to inquire about this regulation because it did not seem fesible to me. I spoke with a total of 4 other lenders and was informed that there is no State regulation that prevents a cash back refinance. I then emailed XXXX to inquire as to why Navy federal was unable to provide a cash back refinance but other lenders were able to. After going back in forth via email it was discovered that the type of loan I needed was a Texas 50 ( a ) ( 6 ) and Navy Federal does not offer that type of loan. So I inquired as to why I was not informed of this BEFORE processing the application and paying for an appraisal. I was told they were not aware of the guidelines ( can provide email documentation of this conversation ). So I requested to be refunded my appraisal fee so that I can seek out a lender that could provide me with the loan I requested. I was continuously told the fee would not be refunded. After back and forth emailing with XXXX, I decided to reach out to her immediate supervisor XXXX XXXX ( XXXX ). XXXX was out of town on vacation and an auto reply email directed me to next in charge ; XXXX XXXX ( XXXX ) ( Phone number XXXX ). I spoke with XXXX on XX/XX/19. I informed her of my grievances and all she did was defend the company error. By this point I had obtained enough information to know that they allowed me to apply for a loan application that was against State regulations and they accepted a fee to process a loan that I was never eligible to get. I was already in contact with several lenders and they informed me that an appraisal transfer would not be possible. I requested my appraisal fee back as I felt that was the only fair thing to do. XXXX stated she would look into it. While my issue was " being looked into '' I happen to run across a lender that said they would accept a appraisal transfer but a fee is generally charged. So again I contacted XXXX and informed her that I found a company that was willing to accept my appraisal but there may be a fee associated with it. All I requested was that Navy Federal agree to transfer the appraisal and pay any applicable fees associated with the transfer. I informed XXXX I would be in touch when I came to that part in the process. On XX/XX/19 I received an email from my new lender stating that we are waiting on the appraisal company to approve the transfer. I emailed XXXX and XXXX again, requesting a follow-up about the status to the appraisal transfer. I did not get a response from either person. I received another email today from my new lender requesting that I reach out to Navy Federal because they have not been responding to ANY requests made. This whole ordeal has been a nightmare and I just want Navy Federal to make amends for THEIR error and do the right thing! | ||||||
| 10/16/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX i applied for a Navy Federal Credit card. My application was not approved. I advised Navy Federal that I have the right to credit. That withholding my access to my securities is Security Fraud. I advised that they were violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, I asked to please retract my applications for XX/XX/XXXX and for past applications refer to application # XXXX as well. On XXXX- Navy Federal Response XX/XX/XXXX : Thank you for taking the time to bring your concern ( s ) to our attention and allowing us the opportunity to respond. We have reviewed your recent credit card application. Our review has confirmed that the credit card application was declined correctly pursuant to Navy Federal 's underwriting guidelines. While we are unable to disclose Navy Federal internal guidelines, we can advise when determining if an applicant qualifies for credit, various criteria are reviewed to ensure creditworthiness. This criteria includes : monthly income, details reported by credit bureaus, as well as your Navy Federal account characteristics such as account standing and other various factors. Based on our lending criteria, you currently do not qualify for an unsecured credit card. As part of the application process, permission is granted for XXXX XXXX to obtain and/or use a consumer report to evaluate credit worthiness ; therefore, we are unable to cancel or retract the hard inquiry or credit card application. We value your membership and consider it a privilege to serve you. If you have any further questions, you may contact us any time toll-free at XXXX. On XX/XX/XXXX - My Message : As a member of this lending institution, by law, I have a legal right to credit. I need to have a member of your lending team or a underwriter review this as this is misleading. Under Title 15 USC 1611 False and misleading of my own credit. I've been given false and inaccurate information that fails to provide information that is required to disclose under the Act. If my application or credit can not be applied to me, I will have to take additional action and will need documentation from an underwriter also stating the denial, which will be documented as discrimination under the Consumer Credit Protection Act of 1968 and the Equal Credit Opportunity Act. Regardless of my creditworthiness, both parties are to act in good faith. XX/XX/XXXX : To whom it may concern, I, XXXX, XXXX on behalf of XXXX XXXXPrincipal hereby accept all titles, rights, interest and equity owed to XXXX XXXX. Please advise if the adverse action was based in whole or in part on information contained in a consumer credit report or on information obtained from a source other than a consumer reporting agency, if the adverse action was based on information from a source other than a consumer reporting agency, please indicate the nature of the adverse information, such as credit worthiness, credit standing, character, general reputation or personal characteristics and reconsider the application that was submitted for approval. Your review of this matter is greatly appreciated. If instructions are not completed, I instruct Navy Federal Credit Union to respond in writing within two ( 2 ) days giving reason for non-performance of fiduciary duties and breach of contract, and to retract/rescind application sent in for the credit card approval. If no communication is made within two ( 2 ) days, I XXXX, XXXX/Agent on behalf of XXXX XXXXPrincipal will either inform the Consumer Financial Protection Bureau of the breach of contract, security fraud and discrimination or assume that instructions have been completed and account information be sent back to the address on file. XXXX XXXX XXXX XX/XX/XXXX : Thank you for your message. We have conducted a second review of your most recent credit card request. After review, we have determined that in accordance with XXXX XXXX 's underwriting guidelines, we are unable to approve your request for credit at this time. | ||||||
| 07/28/2023 | Yes |
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| On XX/XX/2023 a person ( XXXX ) pretending to be from Navy Federal Credit Union 's Fraud department called my cell phone on a spoofed number and asked if I may a purchase of over {$300.00} in XXXX. I said no, and he began " verifying '' the account. I logged on to the mobile app and noticed purchases were being made and money was being transferred from my savings to the checking the entire time I was speaking to him and while he was claiming to have closed the card and the online banking. I immediately called NFCU on another line and asked if their fraud department was on the line and because of the afore mentioned discrepancies and the rep said no, so she immediately locked the debit card and shut down the only banking. Because the individual already had so much information from me, plus the info I inadvertently " verified '' I was transferred to another department as the account was completely compromised and they said they had put a hold on the pending transactions, created new checking and saving accounts, changed my pin and password and prompted me to change my code word. I was further advised the compromised accounts would be closed and the fraud department would investigate how the hacker obtained so much of my information. On XX/XX/2023 I still had not received ANY provisional credits, nor had the fraud department prevented any of the fraudulent charges from going through so I called to check the status of the investigation and when I would receive my funds back. At this point I was advised it would take XXXX business days to complete the investigation. I also asked why the old accounts were still open as I was told they would be closed and why there was a balance on those accounts of approximately {$600.00} as there was no negative balance, even with the fraud when I caught the hacker and called the bank. During the course of that call, the representative contacted the back office and they place a credit of {$360.00} ON THE OLD COMPROMISED account, instead of my new account! When I questioned this, the maintained the I received a provisional credit to the new account WHICH I NEVER HAD. They then tried to further tell me that I had outstanding debits on the old account, which I DID NOT! After going back and forth with the telephone fraud agents and getting nowhere I went in the the branch at XXXX XXXXXXXX, TX and sat down with a banker. We discovered that not only did the fraud department neglect to dispute ALL the fraudulent charges, but also that the {$190.00} they claim was outstanding was already debited from the account on the same day the pending fraud charges came through. She put in disputes for the charges the fraud department missed, BUT NEVER GAVE ME THE CREDIT FOR THE {$360.00} that was placed on the old account and advised I the account would have to be escalated to a senior representative with the fraud department. On XX/XX/2023, NFCU without my authorization/consent or even a letter of notification, transferred {$420.00} from my new checking account ending in XXXX to the OLD compromised account ending in XXXX and also transferred {$640.00} from my old savings account ending in XXXX and another amount of $ {$29.00}. When I called to find out why they had taken my money, I was told it was to settle the outstanding balance on the OLD CHECKING AND SAVINGS accounts, WHICH WERE INVOLVED IN FRAUD!!! I explained that they had not right to take MY MONEY to settle those accounts which were documented to have been involved in fraud! I called several times to have the matter escalated to someone in the corporate offices to investigate, but I was either hung up on by agents claiming to be supervisors, or that they would send me forms to have the account investigated. As of XX/XX/2023 I HAVE NEVER RECEIVED THESE FORMS TO ESCALATE THE MATTER ; NOR HAVE I RECEIVED MY MONEY BACK! I asked for all off the details of the offset be sent to me in writing on XXXX, XXXX and as of today 's date HAVE NOT RECEIVED ANYTHING EXPLAINING WHY THEY TOOK MY MONEY TO PAY OFF A COMPROMISED ACCOUNT. | ||||||
| 03/01/2022 | Yes |
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| Sent a payment to Navy Federal XXXX XXXX on XXXX in the amount of {$15000.00} in accordance to XXXX XXXX, XXXX XXXX XXXX in the form of remittance, tendered or coupon payment. Navy Federal received the payment on XXXX at their address po box XXXX XXXX VA XXXX. Furthermore Navy Federal used my open ended credit plan in accordance to 16 C.F.R. 433.3 ( b ) ( 2 ) to furnish this account which furthermore proves they did not extend credit to me in regard to this alleged debt and account. Pursuant 12 CFR 1026.13 - Billing error resolution I XXXX XXXX dispute and paid account number ending in XXXX in the amount of $ {$15000.00} have submitted correspondence to Navy Federal to rectify this matter and it has yet to be resolved. Please furnish documentary evidence in accord with 15 U.S. Code 44 of record of accounts where Navy Federal awarded me XXXX XXXX with any payment pertaining to this alleged debt. They did not the used my social security card to credit Pursuant 15 U.S. Code 1692e ( 2 ) false character, amount, or legal status of any debt. Notice it is fact that I the affiant am aware that the false character of the amount of in debt is a violation of U.S Code 1692e ( 2 ) ( a ). XXXX has proof of this violation as Navy Federal allege I owe a debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? This is in accordance to TILA Regulation Pursuant 18 U.S. Code 8 Obligation or other security of the United States Notice in fact that affiant is aware that all obligation of debt is the responsibility of the United States. Pursuant 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption. 31 U.S. Code 5103- Legal tender. 31 U.S. Code 3123 - Payment of obligations and interest on the public debt. 31 U.S. Code 5118 - Gold clauses and consent to sue, Public Law 73:10. HJR 192-1933. This account is credited and funded using my open end credit plan and all funds are to be credited in accordance to TILA Regulations and All UUC Codes and US Codes referenced in this complaint. Pursuant 12 U.S. Code 5562 ( c ) ( 10 ) money audit trial production of document material Notice, it is fact affiant is aware the consumer has the right to request the money audit trail. I am requesting this documentary material in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) to address this subject matter, without this documentary evidence there can be no validation of said debt. Pursuant 12 U.S. Code 1831n ( 2 ) ( A ) GAAP audit trial Accounting and Insurance Notice, it is fact affiant is aware the consumer has the right to request the GAAP audit trail in accordance with 12 U.S. Code 1831n ( 2 ) ( A ) and without this documentary evidence to properly address this subject matter there can be no validation of said debt. Pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) A contract which includes a waiver, condition, or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 16 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the affect of limiting a consumer such as I XXXX XXXX the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Please adjust this account to a zero balance, This also serves as demand to not close, suspended, terminate and or freeze my account in any manner. you have 5 days after receiving this correspondence to rectify the matter on this account. They said the account was sent up to management for them to review and correct the account it has yet to be done. I have contacted them severely times and uploaded correspondence to my online portal. | ||||||
| 09/16/2023 | Yes |
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| Dear Consumer Financial Protection Bureau, I am writing to express my concerns regarding the recent denial of my credit application and to seek clarification on certain matters pertaining to the Equal Credit Opportunity Act ( ECOA ). Firstly, I would like to clarify that I understand Navy Federal Credit Unions right to assess credit applications based on established criteria. However, I know there might be a misunderstanding regarding the nature of my credit application. I wish to highlight that I have an open-ended credit line associated with my social security number. This credit line represents a credit relationship that I have established and maintained over time. As the CARDHOLDER, I utilize my social security number as the basis for these credit transactions. According to ( Section 15 USC 1681a, subsection 1, ) which defines the term credit, it includes the RIGHT granted by a creditor to defer payment of debt or to incur debt and defer its payment. Additionally, the definition of a credit card in ( SECTION 15 USC 1681a Subsection 3, ) encompasses any card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, labor, or services on credit. ( Section 15 USC 1681a, subsection k, ) defines adverse action as a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in the amount or on the terms requested. Furthermore, as it relates to my credit denial, I received an adverse action letter as required by law. This adverse action was Adverse to the interest of the consumer, as my interest was in applying for credit cards, securing credit lines, and obtaining loans to support various financial needs and goals. I also want to bring to your attention ( Section 15 USC 1691a, subsection 3 ) which outlines the exercise of the rights of a consumer in good faith. I have diligently exercised my RIGHTS as a consumer in good faith by applying for credit based on my established credit line associated with my social security number. Despite this exercise in good faith, I have faced credit denial, which raises concerns about compliance with the ECOA. ( 15 USC 1691a ) defines discrimination as a denial of credit to an applicant who is a married applicant or a joint applicant, because of the applicants or joint applicants sex or marital status. It is essential to uphold the principles of non-discrimination as outlined in this section. Furthermore, it is with deep concern that I address the matter of potential discrimination. I have made multiple attempts to exercise my fundamental RIGHT to access credit, a right that is safeguarded by the ECOA. However, despite my genuine efforts and a well-established credit history associated with my social security number, I have been met with credit denials. This pattern of denials raises concerns about the possibility of discrimination, as outlined in ( Section 15 USC 1691a ) which prohibits a denial of credit based on certain factors such as sex or marital status. I believe it is essential to ensure that all credit applications are evaluated without prejudice and in strict adherence to the principles of fairness and equality enshrined in the law. I would appreciate clarification on whether it is within the legal framework of the ECOA to deny credit to me, the primary account holder, when I am utilizing my own social security number for credit transactions. If there are specific reasons for my credit denial, I kindly request that those reasons be communicated to me in accordance with the Fair Credit Reporting Act. I value my relationship with Navy Federal Credit Union and want to ensure that all credit-related matters are handled fairly and in accordance with applicable laws and regulations. I am open to discussing this matter further and finding a resolution that aligns with the legal requirements. Thank you for your attention to this matter. I look forward to your prompt response and a constructive dialogue. Sincerely, XXXX XXXX | ||||||
| 10/17/2022 | Yes |
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| I have continued to dispute the accounts ending XXXX and XXXX for accuracy and completeness. My social security number and electronic/wet signature gave value to the consumer transactions. Navy Federal continues to say that they have " loaned '' me money and I am responsible for repaying them. A bank is unable to make loans per 12 USC 83. This account was paid with the use of my social security number and when I gave a financial asset according to 12 CFR 360.6 ( 2 ). Navy Federal has also taken security interest in this asset. Payment for these accounts were already made according to 26 CFR 15a.453-1 ( 3 ). As banks are not able to loan money, Navy Federal has failed to explain how they loaned me money. I have continued to ask for documentary evidence as to the accounting records and they keep sending statements. Statements are not an accurate accounting capture. The reporting of late payments of an extension of credit when these accounts are already paid for is inaccurate and false. Navy Federal received a finance charge for each credit transaction. The finance charge is defined as the sum of all charges and covers any late payment and or defaults on the transaction. Navy Federal is required to provide me with disclosures in order to furnish my non-public, personal information to non-affiliated 3rd parties. I have the right to opt out of the reporting of my non-public information to a non-affiliated 3rd party and NF has not provided me the disclosures to do so. My consent was never given to allow this company to report my private non-public information to a non-affiliated third party. The use of my personal identifying information in the reporting of such false information to a third party without written consent is identity theft. Navy Federal has volunteered to act as fiduciary with the accounts they service and they are required to act in the best interest of the beneficiary which in this case is me. Reporting my accounts as late and closing them by falsely reporting them delinquent is not acting in the best interest of the beneficiary. Fiduciaries are required to protect the confidentiality and security of their customers. Furnishing my non-public information to non-affiliated 3rd parties is compromising my confidentiality and security to anyone who can access my consumer report. Navy Federal has made extortionate extensions of credit by reporting negative information to consumer reporting agencies to coerce payment to them that it is not owed. I am being punished for the non-repayment of an extension of credit. Repayment on an extension of credit is unlawful. and constitutes racketeering activity. By continuing to report such known inaccurate and false information, it is believed that Navy Federal is involved in XXXX with the consumer reporting agencies. Navy Federal has become unjustly enriched off of an extension of credit and the collecting of any further payments by saying that I owe money that I do not. I am demanding that the information on my account be updated to paid as agreed or deleted altogether as these accounts are already paid. Navy Federal also released a {$700.00} security deposit for a secured card to a closed account that I no longer have access to as they closed it. They refuse to transfer my credit balance to my savings account as agreed at the time I opened the account. Lastly, Navy Federal has placed an account that was previously deleted from my report on XX/XX/2022 back onto my report on XX/XX/XXXX. Pursuant to 15 USC 1681i ( 4 ) ( B ) ( ii ), .... '' If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' I was never notified that this information was reinserted back on my credit profile by the furnisher or the consumer reporting agency XXXX. | ||||||
| 05/07/2020 | Yes |
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| Summary : Due to Navy Federal Credit Union not properly processing my paycheck protection program loan, I received a fraction of what was due. They said its too late now, but I'm hoping you can please help me. Details : PPP Loan Nightmare ( almost {$4000.00} in forgivable loan not received ) The PPP has led me to hours of stressful work trying to understand it, but after those hours I applied through the Navy Federal Credit Union ( NFCU ). In doing so, I was entrusting the NFCU to approve whatever amount I was truly due, and disperse it. However, by the time I completed the application, funding wasnt available. Yet, a 2nd round of funding became available, and the loan was processed, but at an amount below what we were truly due. We were sent documents numerous times, with issues including : 1. Signatures of both employees of our LLC were needed ( we were called about this after waiting a bit on getting documents sent to us ), and yet there was no opportunity to sign both, because they never sent the documents to my wife. 2. The next round of documents were signed, yet we were told they were incorrectly done, so we had to get another round of documents to sign. 3. Signatures were hurriedly completed, as it was feared the 2nd round of funding would be exhausted and no one at the time said we were secure w/the funding for our loan, especially considering the above issues created days of delays. And, if we can sign wrong documents and be able to sign correctly done documents for NFCUs sake/benefit, then we should be able to also get a 2nd chance to sign correct documents for our sake. Here are the two ways in which the loan was not processed at the correct amount, according to the federal government ( IRS ) : I. According to https : //home.treasury.gov/system/files/136/How-to-Calculate-Loan-Amounts.pdf? utm_medium=email & utm_source=govdelivery, under " 5.Question : '', it says, " plus any pre-tax employee contributions for health insurance or other fringe benefits excluded from Taxable Medicare wages & tips '', and dependent care is a fringe benefit that is excluded from taxable XXXX wages & tips. The following link shows where the IRS describes dependent care as a fringe benefit and as exempt from said taxation : https : //www.irs.gov/publications/p15b See " Table 2-1. ", which lists it as a " fringe benefit '' and then how it is exempt from said taxation [ if under {$5000.00} ]. Therefore, on the W3 & W2 forms submitted to NFCU, the amount spent in payroll for dependent care, {$4100.00}, should have been applied. II. The FAQ says : " 2019 employer retirement contributions '' shall be included calculation. These appeared on my 1120S tax return, which was either not requested by NFCU for documentation, or somehow not received. If there were any documents submitted that appeared as blank/unaccepted ( one person at NFCU said, after the loan was dispersed, they had a document they couldnt read because form fields appeared blank, and I was told screenshots of documents were not accepted, too ), I should have been informed before anything was [ ordinarily ] irreversible. Any good credit union works with members to ensure the members get the best benefit, not rush through it and gyp the member, and I think NFCU may be good under normal circumstances, but this time we had a situation where if the documents were not accepted, or any were missing, I should have been told 1st. And, it was clearly NFCUs error to have not included the dependent care benefits that were supposed to have been included, and were on a form that was received and accepted. I've had a long history with NFCU, so I've been quick to trust in any procedures done there. I do realize this is a new program, and NFCU is trying to get through a lot of applications, but I believe my small other local credit union would have let me know if any issues, corrected issues, and gotten me the maximum loan that the FAQ you sent me explains. Nevertheless, I hope theres a solution that can be found to correct this situation. | ||||||
| 12/09/2019 | Yes |
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Web | Servicemember |
| NAVY FEDERAL CREDIT UNION IS IN VIOLATION OF THE SOLDIERS AND SAILERS ACT. THEY ARE NOT SUPPOSE TO CHARGE INTEREST ON AN ACCOUNT Benefit and Protection No. 1 The six percent interest rate cap. 50 U.S.C. 3937 The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to military service to no more than six percent per year, including most fees. 50 U.S.C. 3937 ( a ) ( 1 ) & ( d ) ( 1 ). In order to have the interest rate on a financial obligation such as a credit card or a mortgage capped at six percent per year, a servicemember must provide the creditor with written notice and a copy of his or her military orders or other appropriate indicator of military service ( such as a letter from a commanding officer ). Id. at 3937 ( b ) ( 1 ). The written notice and proof of military service must be provided to the creditor within 180 days of the end of the servicemembers military service. Id. In response, a creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ). For mortgages, interest is capped at six percent during the entire period of military service and for one year after the period of military service. 50 U.S.C. 3937 ( a ) ( 1 ) ( A ). For all other obligations, interest is capped at six percent only for the duration of the period of military service. Id. at 3937 ( a ) ( 1 ) ( B ). A hypothetical under Section 3937 of the SCRA, 50 U.S.C. 3937 : John Doe takes out a mortgage and then enters military service. Captain John Doe is in military service continuously for 20 years. Captain Doe retires from military service and on the 179th day of his retirement asks that the interest rate on his mortgage be lowered to six percent per year. Captain Doe provides his creditor with a written notice and a copy of all of his military orders. The creditor must forgive the entire 20 years of interest that was at a rate greater than six percent inclusive of fees and an additional year of interest going forward. See, generally, 50 U.S.C. 3937. The following types of financial obligations, among others, are currently eligible for the six percent SCRA interest rate benefit : credit cards ; automobile, ATV, boat and other vehicle loans ; mortgages ; home equity loans ; and student loans. See, e.g., 50 U.S.C. 3937 ( d ) ( 2 ). On August 14, 2008, President Bush signed into law the Higher Education Opportunity Act, P.L. 110-315, that, among other things, amended 20 U.S.C. 1078 ( d ) to make federally guaranteed student loans protected under the SCRA. That means that prior to August 14, 2008, the SCRA did not cover federally guaranteed student loans. So, for federally guaranteed student loans that originated before August 14, 2008, such as student loans that originated under the Federal Family Education Loan ( FFEL ) Program and Direct Loans from the Department of Education, the servicemember borrower is not covered by the SCRA. A student loan hypothetical under Section 3937 of the SCRA, 50 U.S.C. 3937 : John Doe takes out five private student loans prior to entering into military service. After entering military service, Servicemember Doe consolidates his five loans into one loan. Six months later, he hears about the SCRAs six percent interest rate cap and requests that the interest rate on his loan be lowered to six percent per year. He sends in a written notice and a copy of his military orders. Question : Is Servicemember Doe entitled to the six percent interest rate cap? Answer : Only for the period of time between when he entered military service and when he consolidated his private student loans. Servicemember Does existing student loan originated during a period of military service. See 50 U.S.C. 3937 ( a ) ( 1 ). | ||||||
| 12/16/2023 | Yes |
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Web | Servicemember |
| I came to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM Location to deposit XXXX XXXX upon entering my card, I selected no receipt as Im paperless and use the text message receipts for record keeping of deposits. I selected deposit, entered XXXX $ all XXXX dollar bills and didnt realize I selected check deposit until it rejected my transaction twice, and the third time it sounded as the Atm computer counter started malfunctioning as it was attempting to read the XXXX $ dollar bills as checks which prompted me to notice I mistakenly selected deposit checks when my intention was to select deposit cash, as I dont have any checks. It partially dished out in three increments a total of XXXX $ and not the totaled XXXX $ that I initially deposited. As it prompted me i submitted the maximum amount of checks at one time. That is when I noticed it was on the checksdeposit and not the cash deposit. I selected back, and it asked if i needed to make another deposit. I selected yes, and made sure i selected cash. Although, I saw that it allowed up to XXXX bills, I proceeded to input in the XXXX XXXX $ bills in two separate increments. ( As the prior transaction the machine was jamming up for too many checks and I didnt want that to reoccur ) I noticed once it counted my first increment, it said total XXXX $ I counted the hundreds left in my hand and saw that it was only 3 XXXX $ bills instead of 6 {$100.00} bills. I immediately selected no shen it asked if XXXX $ ( 9 XXXX $ bills ) was correct amount for deposit which is when that transaction cancelled. I did a balance check to see, if the other XXXX $ ( 3 XXXX $ bills ) had been deposited on the checks side and it didnt reflect that it did. I proceeded to deposit that XXXX $ ( 12 XXXX $ bills ) into the account and printed the receipt. I was on hold for 1hr reporting the malfunction of the ATM. As, I understand I selected by mistake the incorrect depoit option, however the ATM shouldve been intelligent enough to reject all XXXX $ ( 15 {$100.00} bills ) instead of onky XXXX $ ( 12 {$100.00} bills ) I reported via phone, claim # XXXX and I submitted a claim via the app/emailing as well. Im literally in shock as I have an urgency which is why I came and deposited the money at night, as I usually deposit with teller in the branch ONLY. I stayed at the branch until the claim was submitted providing a provisional credit as a courtesy of this mishap this has caused me distress, shouldve been a welcomed gesture. The entire occurrence can also be deciphered by replaying the caneras as the way i desribed the occurrence of what haaoened will reflect visable. The company Im due to pay, ( in which the reason I came at night to deposit ) is charging me interest every 24hrs that my amount due isnt paid. Although most banks dont own the ATM attached, Im unsure if Navy Federal is that wwy as well. However, Im aware that generally there is atleast two people that balances out the ATMs, as my mother managed in Banking for decades. Im 100 % sure, that upon doing a balancing count in that machine that atleast*, the machine that is furthest to the left when facing ATM machines ( closest to the entry door ) is XXXX $ over. Im unsure if any one else has suffered this tyoe of inconvenience, but my heart gies out to elders whom arent alert enough and may do a deposit, and assume that the machine is 100 % accurate when it in fact can be faulty. Upon entering the bank, I requested to speak with a manager. The door greeter, instead called me and notified me that someone said the ATM wasnt over. While Im aware that the cash side maynt reflect an overage as the 3 ( XXXX $ bills ) wasnt counted. However, an internal investigation is necessary as whomever counted the ATM for the night of XXXX is not in honor. As they counted the checks, Im 100 % sure the 3 ( XXXX $ bills ) were noticed. But because it was jammed on the checks side that didnt count it, it technically didnt affect the cash accounting being off balance, my 3 ( XXXX $ bills ) was compromised. I feel robbed. | ||||||
| 12/20/2021 | Yes |
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| I was a victim of identity theft. Someone obtained my personal information and tried to open multiple credit card accounts in my name. I was alerted by two banks that wanted me to confirm my application. I have called and told them that I never applied for those cards. They advised me to check my credit report. This is what happened after : 1. XX/XX/2021 Ran a XXXX credit report and found out that there is an account with Navy Federal Credit Union opened in my name with a balance of {$23000.00}. There were also 4 Hard inquiries from banks that I never applied for credit. There was also an address added to my profile that did not belong to me. The address was reported by Navy Federal Credit Union. The address was : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX. XXXX. XX/XX/2021 Contacted Navy Federal Credit Union and reported fraudulent account. Received an email confirmation with incident number : XXXX ( Attached ) XXXX. XX/XX/2021 Went to file the police report in XXXX XXXX. XXXX. They asked me for some document from the bank showing the account and balance. I only had the credit bureau report. Called the bank for that information they refused to provide it and said that the police would have to subpoena it. I went back to XXXX precinct and explained the situation. They contacted XXXX precinct and after long discussion took the report based on the credit bureau report. ( The slip with report number attached. I sent out request to Police XXXX for actual copy of the report but have not received anything yet. ) 4. XX/XX/2021 Contacted XXXX, put a freeze on my credit and opened up a dispute with them for the Navy Federal account confirmation # XXXX ( fraudulent account and 3 fraudulent inquiries ), XXXX ( fraudulent address ), XXXX ( my previous addresses ), XXXX ( fraudulent employment ). XXXX. XX/XX/2021 - Contacted XXXX, put a freeze on my credit and opened up a dispute with them. XXXX. XX/XX/2021 - Contacted XXXX, put a freeze on my credit and opened up a dispute with them. XXXX. XX/XX/2021 Received letter from XXXX that the fraudulent address from dispute XXXX was removed. XXXX. XX/XX/XXXX, XXXX Received letter from XXXX XXXX the former addresses from dispute XXXX have been deleted. XXXX. XX/XX/2021 Received letter from XXXX confirming security freeze fraud alert. XXXX. XX/XX/2021 Received an email from XXXX confirming the dispute XXXX XXXX. XX/XX/2021 Filed FTC report number XXXX. ( Copy attached ) 12. XX/XX/2021 Received email from XXXX to check the investigation results in my dispute center. The result was : We have researched the credit account. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. On XX/XX/2021 received the official letter in the mail. Confirmation : XXXX ( XXXX attached ). XXXX. XX/XX/2021 Received email from XXXX that dispute results are updated. When I looked at the results, nothing was changed. XXXX. XX/XX/2021 Called Navy Federal Again and was told that investigation is not over yet. Spoke to XXXX. Also sent copy of police report ( slip number ), copy of FTC report and dispute letter with demand to provide all documents related to this case. Received confirmation email that the document were received. ( Copy of email attached ). XXXX. XX/XX/2021 Contacted XXXX and reopened a dispute also added police report and FTC report to the file through upload page. Received email that file was successfully uploaded. XXXX. XX/XX/2021 Received email that XXXX updated balance to {$25000.00}. XXXX. XX/XX/XXXX Tried to call Navy Federal. After XXXX minutes on hold finally got through the security department. Was told that it still needs to go through credit cards department and that investigation is still not completed. After asking how much longer it will take was disconnected. XXXX. XX/XX/2021 Checked XXXX credit report and the account wasnt there anymore, however it was on XX/XX/2021 report and I never received a confirmation that it was removed. May be it was removed and they just never notified me. | ||||||
| 09/06/2018 | Yes |
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| Hi, My credit union Navy federal credit Union have discriminated against me because I exercised my consumer financial protection rights as a identy theft victom. I have my mortgage loan, line of credit, credit card and auto loan with navy federal credit Union. I've never missed one payments on any of my Bill 's. End of XX/XX/2018. I've been in a auto collision while at work. Someone rear ended me while I was stopped at the stop light. I've been in XXXX XXXX XXXX since. I reached out to navy federal to apply for a fixed equity loan on my home that I financed threw NFCU. Before applying for the loan over the phone. I ask the agent if they use all three credit bureaus to pull my credit and the agent said yes. They use all three credit bureaus to pull my report and to make final decision. I agreed to move forward with the equity loan Application. I did a follow up call to my loan server and processor to introduce myself and I also had some questions about the Application. Before I even finish asking my question. The agent stopped me and said no need to finish filling out ur Application because underwriting decided not to move forward with the Application because I dont meet they requirements to be approved and my credit score was to low with XXXX. I ask the lady what was my score with the other two credit bureaus and what was they requirements on getting approved. The NFCU agent said to me my score with XXXX is to low I ask about my other scores and she said they only work threw XXXX to pull report when someone applying for equity loans or line of credit. They dint use the other bureaus to run credit report. I said to the agent. I am a victom of identy theft and it's because of XXXX data breach my personal information have been compromised and that some opened up fraudulent accounts in my name and that I'm starting a lawsuit against XXXX and that can they give me another option or can they use the other bureaus also to make a fair decision on my Application. The lady told me theres no other option they can offer me. I explained to the agent that my XXXX report dont reflect my other two reports and that information on my XXXX report are fraudulent and I am in dispute with XXXX over those fraudulent accounts. I explained to the navy federal agent that I sent XXXX supporting documents such as my police report and ftc report. I asked XXXX to please remove and or block those fraudulent accounts from my credit report until they finish they investigation. Navy federal agent said to me. It's nothing they can do or option they can offer me. I told the NFCU agent that it's not fair to me and it's a violation of my rights and to please not run my report with XXXX for the above reasons. How can they go to someone that violated my rights and 143 million of Americans rights by they data breach. It's like asking the person who violated my rights to give a fair report on me. It's a conflict of interest. If I am in lawsuite with XXXX why would they go to them to get a fair report about me. I dont think I was giving a fair chance on my Application. I was lied to by the agent that I did the phone Application with. He told me they use all 3 credit bureaus to make a decision on equity loan Application. I believe I was discriminated against because i exercised my rights under the consumer financial protection act and was giving false information just to get me to complete and move forward with the Application. Navy federal credit Union used all three credit scores to come up with a anser on my other Application why they only use XXXX when applying for equity loans. I think it was done deliberately only to deny my Application or to give the people a higher interest on they loans or to not allow the people to access they equity. I always paid all my Bill 's on time and never missed a payme t till this moth. Because I been dealing with fraudulent activities and my personal bank accounts that I make payme ts from have been comprised also so my bank closed that account and sent me new cards. | ||||||
| 12/22/2017 | Yes |
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| On XX/XX/XXXX, I reported fraud on my account to my then banking institution of Navy Federal Credit Union ( XXXX ). Following the report, On XX/XX/XXXX, I was contacted by XXXX XXXX who identified himself as a fraud investigator with XXXX. I explained to him the circumstances of the fraud, and he asked that I be completely honest in my accounts surrounding the compromise of my accounts. As he stated I see this type of account fraud and usually the people who commit the fraud are the ones who never get caught. I became very candid at this point about my stupidity in believing I was getting approved for a XXXX XXXX that would be deposited directly into my bank accounts providing I had account with the required bank of XXXX, as this would allow loan funds availability the same day as the deposit. After providing all the necessary information on the fraud, filing a police report, providing the name of the XXXX XXXX Police Detective on the case, and forwarding the sales ad for the quick loan, XXXX XXXX then began to act in a very unprofessional manner. After refusing to discuss the fraud on my account, he stalled a cashiers check for my rent payment from cash funds deposited in my account prior to the time the fraud occurred. My rental office called and advise they were unable to collect funds on my XXXX rent money order given to them weeks before the XX/XX/XXXX. Additionally, XXXX XXXX took it upon himself to then reverse two XXXX credit card payments that I made from my outside account with XXXX XXXX transferred into XXXX. I am liable for the credit cards but as a means to impair my credit standing, XXXX XXXX attempted to prevent fair access to make payments on those debts which is a direct violation of the Fair Credit Reporting Act. Additionally, the checking account that XXXX XXXX froze from use because of my account being compromised was allowed to continue drawing an overdraft fee for a direct deposit business line associated with that account. If no direct deposit was made, a fee would be charged. Since the account was not accessible to me until the fraud cases was settled according to XXXX XXXX, I called in to ask XXXX XXXX on two separate occasions to remove the direct deposit business line since I had no access for my direct deposit to flow into the account. I however was refused by XXXX XXXX per customer service. As a result, the outstanding {$5.00} was used as a reason to charge off the account. XXXX XXXX refused to accept a transfer from my outside account to be applied to the {$5.00} overdraft and he refused to remove or change the direct deposit line of service from the account. However, XXXX through XXXX XXXX has allowed the payments from the same outside account to resume for the credit card payments owed to XXXX. This investigator has abused his authority with creating impediments for me to settle the final debts that I am liable for with XXXX as a means to cause a negative credit report rating with the Credit Reporting Agencies. If I had not been able to catch the last credit card reversal, as I avidly monitor my credit and payment history, I would be disputing two 30 day late payments on both credit cards at the negligence of XXXX XXXX and seeking penalty per negative occurrence from XXXX as a result of XXXX XXXX violation of the Fair Credit and Reporting Act ( FCRA ). Going forward, I accept that XXXX has refused to reopen this account until this case is settled, I accept that my account is no longer accessible to me, However the refusal to accept payments on a consistent basis and the refusal to remove a business line that incurred fess on an account that has been in accessible since XX/XX/XXXX and then refuse me access to pay the fee and closed the account as a charge off in retribution of the fraud that occurred on my account by an outside perpetrator is certainly an abuse of power and a violation as explained early. Whether the charge off was {$5.00} or {$5000.00}, it still negatively impacts my standing at a banking institution. | ||||||
| 08/09/2023 | Yes |
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| My wife and I both have an account with Navy Federal Credit Union with a car loan on each of our accounts. A 2017 XXXX XXXX and a XXXX XXXX XXXX respectively. When we requested a new loan for a different vehicle under my account to trade in the XXXX XXXX XXXXXXXX, we accidentally requested a loan trade in the XXXX XXXXXXXX XXXX and not the XXXX XXXXXXXX XXXX. We went to a dealership and purchased a different car with the new loan. We did not realize that the new loan had the XXXX as the trade in until the dealership called us and told us that they received the title for the XXXX and not the Forester. During the trade in, we had a check from NFCU in the amount of {$6000.00} to go towards the new loan. My wife called NFCU on XX/XX/XXXX and spoke to XXXX to discuss what needs to be done to rectify this issue. She took notes and said that she would note our account for the next steps. My wife called the next day, XX/XX/XXXX and spoke to XXXX XXXX not sure of the spelling ). She said that there were no notes and my wife had to describe our situation again. She said that she noted the account and requested a new loan to solve the problem and to call back for the next steps. My wife called on XX/XX/XXXX and spoke to XXXX. My wife had to describe our situation again since she is not permitted to speak to the same person. XXXX was on the phone for hours figuring out next steps. The problem was that the dealership cashed the {$6000.00} check and NFCU would not move forward with new loan until they received the {$6000.00} back from the dealership. The dealership wanted a letter stating that they would receive the {$6000.00} owed to them and would not send back the {$6000.00} or the XXXX title until they received the letter. NFCU rep said that a letter would be sent via email with that information. We did receive a letter, but it was not the information needed. My wife called back on XX/XX/XXXX and spoke to a representative ( not sure of her name but it could be XXXX ). This rep said that there were no notes in our account and that we needed to start from scratch. She told my wife that they were going to put a stop to our new loan and issue a different one. We needed to send back the blank {$6000.00} before anything else would be initiated. Once the blank {$6000.00} was sent back that we would see our XXXX back on my account so that we can make our payments. This did not occur. My wife called back and spoke to XXXX. he said he was going to put a stop cancelling the new loan and that we needed to get the {$6000.00} and title back from dealership. XXXX was able to get a letter to satisfy what the dealership wanted to secure their money etc. My wife called XXXX in the NFCU title department, she gave the addresses that the dealership needed to be sent back to. NFCU received both the {$6000.00} and the XXXX title on Monday, XX/XX/XXXX at around XXXX XXXX. My wife called NFCU on XX/XX/XXXX to get an update on what the next steps are going to be. She spoke to a male representative who stated that there were no notes and that my wife had to start from scratch on what our issue is. He transferred my wife to XXXX who is a supervisor. XXXX stated that NFCU never received the {$6000.00} nor the title from the dealership. My wife stated that she had the tracking numbers to which XXXX looked up and verified that yes, NFCU received both the title and the check from the dealership. My wife asked what the next steps will be. XXXX put her on hold and came back on stating that the check is missing and they are not sure where the check or the title are at this time. XXXX was to call my wife on XX/XX/XXXX which she has not. We need help. We have a vehicle in our possession that has a loan attached to it that is not valid, the dealership has a vehicle on their lot with no title and NFCU is giving us the run around and lost the check and title. Every time we call, we get a different person with a different answer and nothing is being done to correct this matter. Thank you. | ||||||
| 09/18/2020 | Yes |
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Web | Servicemember |
| Dear Ms. XXXX : Re : ( Loan Number XXXX ) On XX/XX/2020, I closed on my home located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX MD XXXX. I am still awaiting the gentleman who I initially spoke with regarding buying down the points during the mortgage process when I was informed by Ms. XXXX I could not even though I had the funds to do so. I asked the gentlemen from your office to listen to the telephone calls and look at the emails when I requested such and I was informed by Ms XXXX I could not but. She just did not want to listen to me and I found that very disturbing especially when I tried to explain to her I could buy down a point to make my mortgage points 2.25 %. I just feel had XXXX switched me to a different Loan Officer as discussed in person at the XXXX Virginia XXXX, all this miscommunication on MsXXXX XXXX could have been avoided. I do understand there are two sides to a story and the truth but if we could not work together because of her waiting to be superior over her consumers including me, then why would I have requested a meeting with XXXX and he agreed to switch me to another Loan Officer which never materialized and I felt my back was up against the wall because I was afraid to ask for another Loan Officer as XXXX has already promised me and I could feel the tension working MsXXXX XXXX because I assume that her manager XXXX or XXXX had alerted her that I a problem with further working with her, as I did not want her to cancel my mortgage loan as we were homeless at that point as my wife is a XXXX XXXX XXXX, so I could not risk Ms XXXX potentially canceling our loan and we could have been left out living in a hotel indefinitely. Unfortunately, my Loan Officer MsXXXX XXXX fell short of my expectations and could have informed me while she was working from home during several request to have my interest at 2.25 % buy purchasing or buying down a point. I was told that she would get back to me regarding this but she failed to do so and I did not want to seem like I was bothering her because she already presented an attitude towards me when asking vital questions pertaining to my loan and her actions were evident during my closing when the closing agent was taken back on how disrespectful she was towards her and myself. I had asked her several times about buying down a point because I had enough money in my both bank accounts, ( XXXX and Navy Federal. Combined in both accounts was $ 28,000+ for closing and any additional services such as a point buy down. Again my Loan Officer did not perform well and provided me with inadequate services. Although Navy Federal did refund my Appraisal Fee, I wanted to by down my point before the mortgage rates had dropped after my home purchase, I had inquired about buying down appoint throughout my home loan process. Had she been more forthcoming and informative regarding the point purchase that I inquired about on several occasions I would not have been contacting you or the Banking Commission to file a complaint. On a couple of occasions, I requested to speak with her Area manager XXXX, leaving telephone messages, in person massages and calling the XXXX number for someone to have him call me back, regarding the point buy back but he never returned my call. As a result of MsXXXX XXXX negligence, I was afforded the chance to buy down a percentage point, that would have lowered my home loan mortgage payment. To resolve the problem, I would appreciate you changing my loan percentage rate to 2.25 % with allowing me to buy down a point. I would also like to be able to re do the paperwork for my VA Loan, to reflect the new interest rate of 2.25 %, should you afford me the opportunity. I look forward to your reply and a resolution to my problem and will wait until XX/XX/2020, before seeking help from a consumer protection agency or the Better Business Bureau. Please contact me at the above address or by phone at XXXX XXXX XXXX XXXX. Sincerely, XXXX XXXX, XXXX, XXXX, XXXX, Retired XXXX | ||||||
| 10/16/2023 | Yes |
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| Navy Federal Credit Union is inaccurately reporting my consumer account. Navy Federal Credit Union did not loan me any money. Navy Federal Credit Union depositor bank received a cash advance for the finance charge of this consumer account and Navy Federal Credit Union is only the servicer of said loan. This consumer credit plan is opened ended and therefore it can not be late furthermore any credit balance on a consumer account that has a credit balance of more than {$1.00} it is due to the consumer. Navy Federal Credit Union is in violation of federal law. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. | ||||||
| 12/05/2022 | Yes |
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Web | Servicemember |
| I filed a previous compla9int against Navy Federal Credit union, due to the collection practices and untruths they were telling merchants about me. They had locked me out of my account statements stating I needed to update my phone number in order to release the block. After the complaint was submitted, I got access for a few days, and now locked out again after they received the complaint from this office. I had received some extra funds from VA due to backpay, and I asked that they take whatever I owed in bank charges due to my credit card and checking account fees accumulated. The accounts closed and written off after filing bankruptcy. When I received the backpay, the bankruptcy was dismissed and instead of refiling I paid off the debts possible with what I had, one being the vehicle. The credit union took XXXX and the bankruptcy court was refunding the money held for rent into my account and due to the landlord as the bankruptcy court required the payments be set up through them facing an eviction., The credit union then takes another XXXX. XXXX from the landlords ' checks without notifying me about the remaining debt I was trying to pay. There was over XXXX when I asked them to collect on the debts, and they wait til the bills are paid and I have XXXX and take the landlord 's check. I asked for a printout of the debt totaling the XXXX and the call center advised me I would have to get it from my statements. I asked them to break it down so I can see XXXX in service fees, because I was seeing service fees 3-4 times for the same issues. I now can not access my account statements to see the charges they took. All I have is he screenshot of current transactions, everything else inaccessible. Now they state I have to verify some security issues. This bank has now reimbursed close to XXXX, labeling it adj. I don't know for what or why or if that error caused all the other issues of insufficient fund 's charges, and merchant the money took by the check verification people In my last dispute, which they denied, they stated that they spoke to my bank who authorized the transactions to be collected by the XXXX XXXX XXXXy. The state they spoke with XXXX XXXX XXXX and received documentation authorizing the deductions. How does another bank verify authorized the withdrawal of another 's banks customers by a XXXX XXXX? And the bank, XXXX XXXX, has been no authority over any of my accounts as they are a credit repair prepaid Credit Card only company. They do not hold checking accounts. Navy Federal had no business discussing any banking activity pertaining to my Navy Federal Account, and no one has authority to disclose any PHI with another bank to deny a legitimate dispute. There was no investigation on the illegal access to my account, and the disputes department violated my privacy rights discussing anything with my credit card company, using my personal information to access the accounts. They are either trying to run me out or conspiring to set me up for some banking issues as they are lying to other banks, accessing my other banks to obtain information, and lying to merchants about me telling the bank that the checks area not mine, and that they are postdating them after I wrote them. The credit union has got me XXXX, ruined my reputation, and continues to lock me out of my accounts to prove the issues are legitimate, as they refuse to honor their reimbursement for Charges not mine. at the bottom of their page on a screen shot is XXXX XXXX ; again, I had no account with them, I actually XXXX them as they have scammed me twice before, navy federal in the middle. now another XXXX into it and Id rather lose the money than deal with their professional dispute personnel, that call secured credit card companies to see if they allowed the collection agency to access the Navy Federal account. I'm not stupid, and XXXX XXXX can not allow a company to access Navy Federal XXXX and collect from federal deposits as a debt collection. | ||||||
| 03/22/2022 | Yes |
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Web | Servicemember |
| Hi : ) I refinanced my mortgage with Naval Federal credit Union in XX/XX/2021. In XX/XX/2021 I applied for a home equity loan to gain access to {$100000.00} worth of equity in my home ; to be used for real estate investing. The loan was denied in XXXX. I requested information and further explanation on the denial but could not get in contact with the loan officer responsible for the decision ; as he never returned my calls or emails. ( I have a record of these attempted communications ). The emails were kicked back to my inbox stating that " The message couldn't be sent ''. And till this day I have never been able to speak with him. ( If this is a fair process why am I not able to consult with the individual who is processing my loan application? ) I then called NFCU customer support and spoke with 6 customer advisors with Naval Federal credit Union before anyone could advise me as to how to best address the concerns around my misunderstanding as to the reason for my denial. Four of the customer service advisors were very rude, gave me false contradicting information and in my opinion did not provide sufficient insight and advice to best address my concerns. Two of the customer service advisors were very helpful in advising me of what my next steps could be. I could tell through conversation that these two advisers were African-American and the other four were Non XXXX Americans. The final XXXX-American customer service advisor listen to my grievance then forwarded me to a manager who then called me and advised that I could file an appeal. ( I recorded these conversations and left time stamps to help identify the issues i referenced. ) After filing an appeal in XXXX I received a letter late XXXX confirming that the appeal was denied due " my overall credit profile not meeting NFCU 's guidelines for approval. My credit score is currently around XXXX and to be clear I was approved for my home refinance loan a year prior. I'm an XXXX male making over 6 figures per year with a combined household income of over $ XXXX. I have been sure to keep my credit spotless in paying all of my bills on time outside of a Medical bill that popped up on my credit report after a Medical billing associate advised me that I didn't owe a balance. I feel like I'm being railroaded and set up for failure. The only things questionable in this sequence of events are why I couldnt get in contact with my loan officer to get insight on my denial, why I was approved for the home loan just a few months prior but denied on the Home equity loan and why the only customer advisors that expressed empathy and were willing to provide meaningful assistance were XXXXAmericans. Recently there have been several articles that have surfaced revealing how XXXX-Americans are disproportionately discriminated against in the Home real estate market ( See links on document attached ). I don't want to pull the race card but something isnt adding up here. I truly feel that if I was dealing with a loan officer or a review board that was either more diverse or had diversity training that this application process would have been much smoother and my application would have likely been approved. This has been a long draining experience and Ive heard from 1 other XXXX-American family that their application process was drawn out and they felt as if the loan officers were not doing the best they could to communicate & process their applications in a timely considerable manner. This issue with Naval Federal credit Union has to be addressed as I think their staff needs diversity training as well as diversity hires to avoid future incidents like this. Because of this loan denial I dont have access to additional tools that could allow me to build wealth. I could write this off as either a small coincidence ; but recent reports proving that racism exist in the real estate market speaks to why these white associates gave me a hard time and two XXXX associates were willing to helped me. | ||||||
| 02/25/2020 | Yes |
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Web | Servicemember |
| My account had several checks placed in the savings account it was done without our acknowledgement and when they froze our accounts I agreed to pay the amount because it was valid and I could see it in my account. However, at this time all the amounts have been paid on the account in the amount of {$1500.00} we have {$410.00} left in the XXXX account and a XXXX balance in all the other accounts. However, they will not allow my husband to remove the money in the XXXX account saying that I am a joint owner in the account although we have a XXXX balance and do not owe any money to the bank right now. My husband also has money set to deposit to the account in the next 1-2 days to the account as well as my tax refund is also set to deposit to the account tomorrow XX/XX/2020 in XXXX. The lady in the security department is saying claims made on the account are being reversed that are over 30-60 days old, as well as they will be be reversed until XX/XX/2020. At this point I would like all my money out of the accounts, my husbands deposit that is coming in the next few days as well as my entire tax refund that is hitting my account tomorrow. The representative I spoke with on the phone today told me that it would be ok if I took some of the money out the account right after we got off the phone with account services and if they listen to the call they can hear it. Now they are refusing to take my call in the security services department and they are not willing to release any money. I am actively talking to an attorney in reference to this situation and not wanting to release my husbands money on his account. I am XXXX and I was just awarded my XXXX as they can see the {$12000.00} that hit my account last month. The stress that Navy Federal is causing on me not being able to feed my children and grandchildren, not being able to go to my medical appointment I had in XXXX, NC this morning because I don't have the gas to go there and not being able to get my medications due to this stress of not being able to get my money. If we can not come to a reasonable accommodation my attorney will be glad to proceed with filing a lawsuit and get me all the pain and suffering this undue stress is causing me as well as zero out everything that Navy Federal is trying to make us pay. I paid what they asked me to pay and if we have a XXXX balance on all accounts now then why cant we receive our monies? We have a gas bill that we agreed to pay today and we cant pay it because they wont release our money and we have bills that we cant pay now. Once our taxes hit tomorrow we would like our money and to walk away and not look back we do not plan on dealing with Navy Federal again and I plan on telling others about how we were treated and now they wont even take our call. Navy Federal started off good but how can you freeze someone money and they don't owe you anything right now? We cant look at the future we have to look at the right now even if something is going to be reversed its not reversed yet nor is it showing negative on the account. I would strongly recommend if they have this bank to change asap. I cant get gas, pay bills, go to my medical appointments, get my medications, pick up my kids from school, or even buy groceries for my house because the money in the account is frozen. We went ahead and used my husbands 1st retirement pay to clear up the accounts and that money was for bills specifically and for me to go to my medical appointments but now I cant go. Your more than welcome to call XXXX XXXX to confirm that I had an appt today and now one tomorrow I cant go to. I'd like my money from this bank and when the money is reversed on XX/XX/2020 my attorney, Navy federal and my husband and sit down at that point and talk about it and see if it can offset my pain, suffering and stress its causing me. I cant even get my anxiety meds because they wont release my money. Navy Federal is now refusing my call and would not speak with me at all! | ||||||
| 11/11/2017 | Yes |
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Web | Servicemember |
| I purchased a used XXXX XXXX XXXX XXXX Boat on XXXX XXXX, XXXX, with a loan from Navy Federal Credit Union for the amount of {$42000.00}. I was told over the phone when doing the loan application by the representatives multiple times and by people in the branch that this was going to be a straight amortized loan over 15 year with a fixed rate of interest. I made the first three payments on time no problem then I decided to prepay the 4th payment. After that my account informed me that there was no payment due for almost 60 days. I have attached paperwork that shows all of this. When I went to check the balance of the loan it had gone up to {$42000.00}. The last payment was made on XXXX/XXXX/XXXX and no further payment was due until XXXX/XXXX/XXXX which was the date Navy Federal told me to make the payment. Over {$1600.00} has been paid on the loan but only {$15.00} has gone to principle. When I realized this I couldnt believe it, I was literally getting XXXX and was beside myself. Based on their numbers there should have been a principle reduction of {$570.00}. This is not the case and at this point the loan appears to have grown because now there is more interest to pay down.. What I was told was this loan has a per diem interest of around {$9.00}, and if you prepay the loan the bank holds the money for the interest anyway so basically it can not be prepaid. Also they told me that if I wanted to Prepay that I had to do it right after the monthly payment was made. This was never disclosed to me and sounds like extortion with a prepayment penalty in disguise. This appears to be predatory lending practices, nowhere is it mentioned or was this mentioned to me. Navy Federal told me not to make a payment but went ahead and still charged me interest of around {$9.00} per day for almost 60 days. I found this out after I checked the balance of the loan. I called them and spoke to many different people because no one knew what they were talking about and kept telling me that this was a fixed straight amortized loan for 15 years. Finally someone told me that the loan was a " Consumer loan '' whatever that means, it was my first time hearing about that type of loan. Also no one at the branch in XXXX XXXX XXXX XXXX told me about that when I signed loan docs and picked up the check. The first time I heard about this was on XXXX/XXXX/XXXX. I called back on XXXX/XXXX/XXXX and spoke with a XXXX or supervisor after being stonewalled by everyone else I had talked to and again no one really knew what were saying or what they were talking about either. After explaining everything to the XXXX again about how no one had informed me about any of these terms she said she was So sorry and would talk to the her employees. Is this an admission of guilt? Just like that oh sorry we didnt tell you about the loan and were had been charging you interest daily.. Because when I asked her if there was anything that could be done she said Oh no, Im sorry but nothing can be done so again no help from anyone and being stonewalled again, she started to get a little snippy and get an attitude with me when I started to press her on these questions about the loan because she couldnt answer or give me a straight answers and many of her answers were Ums, sorry and silence. Talking with the bank has gotten me no where and is a waste of time, this is why Im turning to you for help because believe me if I had known about this I would have never picked up the checks and would have immediately canceled the loan. This is really ridiculous and is not stated in the note, which again is attached. The name Navy Federal Credit Union really fooled me, I thought they would be helping out people from the armed services but are really taking advantage of these people because many of them lack the proper knowledge about lending. I personally know military people who have these types of loans who are really being taken advantage of. This needs to stop right now. | ||||||
| 10/29/2021 | Yes |
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| I am a federally protected consumer, and debtor who is invoking my rights as such. I have entered in a consumer credit transaction with Navy Federal who has extended me credit in an open-ended consumer credit plan. Navy Federal has previously denied me my credit and or requests for higher credit amounts limits. I have notice billing errors on my billing statements and made claims to Navy federal in regards to the error pursuant 15U.S.Code 1666. They have sent me billing statements that has shown a positive number that reflects a positive balance in my account. It would be unlawful to pay a debt that is in a positive status. This is false and misleading pursuant to 15U.S.Code 1692e. and I refuse to pay this alleged debt. Navy Federal has stated they have accepted my cease and desist which put them on notice of fault regarding the billing error. Navy federal since then has disregarded the billing error claims and stated they only have acknowledged the cease and desist notice. I have restated my billing error claims to be address for any reason there were any miscommunication. They have responded that they will take adverse action against me by taking payments from my shared accounts without my authorization to pay the alleged debt if not paid on its due date. They have done this on multiple occasions without my authorization or prior knowledge. In accordance with 15U.S.Code1602 states Unauthorized Use is a direct violation of the law and serves me no benefit for they have used my credit card for reasons they were not authorized to do such. Navy federal has also threatened me with a debt collection notice pursuant to 15U.S.Code1666 ( d ) ( e ) which states restricting, closing or taking any adverse action without presenting documentary evidence pursuant to 15 U.S.C 44 to clarify and resolve the billing error in an open-ended consumer transaction is prohibited and forfeit its rights to collect the disputed amount. Documentary evidence as describe in the IRS Publication 583 is for the books of account that shall verify who funded the account and how much is owe in accordance with the journal and ledger entries from when the account was opened. Navy Federal has sent me a promise to pay and debt validation in the form of a credit card agreement statement. A credit card agreement statement is not a binding contract and in accordance with the federal law a promise to pay is an agreement between the consumer and the lender who is the borrower ; the borrower promises to pay a set amount on its due date. This is also false and misleading in accordance to the law. They are demanding that I pay this allege debt not owe by unlawful means to collect pursuant to 18U.S.Code8 states the obligation is of the U.S thereof XXXX I the consumer and debtor do not owe the allege debt. Navy federal is using deceptive and unfair business practices by posing as a creditor and a collector who collects debts by such unlawful means. As stated in 15U.S.Code1681 the banking system is dependent upon fair and accurate credit reporting, and they refuse to follow they federal law and continues violate my consumer rights for their own profit and gain. Navy Federal is a non-profit corporation who mission statement confirms that I am a member-owner. The misconduct of their business practices is unlawful and contradicts their mission statement and policies regarding me being a member-owner. I shall be identified and treated as such. Navy Federal dishonored my remittance payment that was sent and stated it is a non- negotiable instrument. The instrument on file with my endorsement shall constitute as payment in accordance with the UCC 3-603. Navy federal advertises that they are NCUA insured and makes claims in regards to those consumers accounts that they are insured. This is false advertisement by Navy Federal for they are not providing the means to correct the account billing errors in a timely manner in accordance with the Truth in lending Act. | ||||||
| 05/02/2018 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I contacted Navy Federal Credit Union to file a dispute on a transaction that was preauthorized on XX/XX/XXXX and cleared my account on XX/XX/XXXX in the amount of {$1500.00} to XXXX XXXX XXXX. On XX/XX/XXXX my claim was denied and was advised a letter would be sent out within 3 business days of decision. I contacted Navy Federal on XX/XX/XXXX and spoke with XXXX who I requested to speak with a Supervisor regarding the decision. I spoke with XXXX who stated that she was the supervisor. I inquired about the decision that was made and requested documentation of investigation outcome. I was advised that Navy Federal DOES NOT provide this information to their customers. After reviewing the User Agreement 606 it states that I may ask for copies of documents used in the investigation process. The resolve XXXX stated was that she would submit an appeal of the case and that I would have to provide additional documents to support the claim which I am in the process of doing. I reached out a second time and requested the fraud department and spoke with XXXX who advised me that typically they have to have all documents as per the XXXX agreement they have. I probed for additional information regarding documentation and XXXX advised that he does not have access to that information and that he would forward my request. I think spoke with XXXX who is a Supervisor in the Contact Center who advised me that because I am the owner of the vehicle that I would not be able to dispute the claim. In my original claim I advised that I had not received any documentation from the dealer to legally register my vehicle in the state of AZ which would require a title and registration. XXXX stated that since the vehicle was not purchased in full that it was not the responsibility of the party to provide title. I attempted to explain again that I have recently moved to another state and in order to legally drive a vehicle with said lien against that I would need the proper documents to register vehicle and drive legally. I also advised that XXXX XXXX XXXX stated that they were picking up the vehicle since the contract was not executed correctly. XXXX ignored all requests to provide any additional documentation during the dispute process and advised me that " If I continue talking to her like an XXXX that they will be unwilling to assist me in this process ''. After these comments were made I requested to speak with a Supervisor in the Fraud/Dispute department. I was then transferred to XXXX who stated that he was the Supervisor in the Resolution Department. XXXX was unhelpful in explaining why I was unable to receive documents that were requested although it is outlined in their User Agreement. XXXX implied that I'm complaining because I'm not getting what I want and refused to transfer me to the correct department that handles request and disconnected the call. I have advised Navy Federal Credit Union that I would provide documentation to support my claim as the response I received from them just states that " A dealership is not obligated to provide title unless paid in full '' and if contract is canceled that I would have to provide documentation outlined in said contract to process accordingly. At this point I believe that I have been discriminated against due to the status of my checking account currently. My checking account is in the negative and as of XX/XX/XXXX I received a call from the Collections department regarding my checking account. The dispute process states that it can take up to 45/90 days to resolve however my case was denied in less than two business days and I have not been provided the proper documentation regarding the investigation process. I attempted to reach out to XXXX directly which then transferred me right back to Navy Federal Credit Union. I have been a member since XX/XX/XXXX and have not had any issues with merchants with exception of one that inevitably was resolved in my favor. | ||||||
| 01/18/2023 | Yes |
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| I have gotten copies of my credit report from XXXX XXXX XXXX & XXXX and noticed that an account I had with Navy Federal was on both! I never authorized nor gave written, unwritten verbal and nonverbal communications to any of the 3 companies per 15 USC 6802. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions Per 15 U.S. Code 1681a- ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under sect ion 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] 15 U.S. Code 1666a & 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. | ||||||
| 04/08/2020 | Yes |
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| Our Navy Federal Credit Union Mortgage Loan Processor has maintained absolutely no forms of communication during our mortgage loan process. We have had to chase our Loan Processor for updates and to see if anything is needed. We kept a log as well as Navy 's mortgage phone team employees noted our account every time we called. Just like the complaint made to the XXXX on XX/XX/19 by another member, we too experience Navy Federal Credit Union 's employees ' inability to meet dates that were verbal or written ( email ). After several attempts to reach our Loan Processor, we contact the phone team who was able to get our Loan Processor on the call with us on XX/XX/XXXX. Our Loan Processor assured us that every looked good and we were on track for XX/XX/XXXX close date. On Monday, XX/XX/XXXX we called our Loan Processor to see when we can expect our clear to close because our closing attorney had scheduled our closing appointment for this Friday, XX/XX/XXXX XXXX. That is when our Loan Processor decided to kill our joy by telling us that we have an underwriting issue. As my heart drop and I brace to hear what the issue was, she tells us that our DTI is too low and they can't use my husband 's overtime because he hasn't been on his job exactly 2 years but will be in 4 weeks. Wait, excuse me. Our DTI was where it currently is during the first time Navy Federal Credit Union hard pulled our credit reports XX/XX/XXXX for a pre-approval then did another hard pull on our credit reports less than 24 hours later on XX/XX/XXXX. Furthermore, our DTI was the same on XX/XX/XXXX when they did a soft pull on our credit reports. Originally, we were set to close on a different house XX/XX/XXXX but the Seller refuse to took care of the requested repairs so that contract was void. By grace, we found another home way cheaper that we loved and went into contract a few days later. Everything was moving smoothly, communication was good until our paperwork was handed to our Loan Processor. Now here we are 3 days before closing and being told we have a problem that should have been brought up weeks ago. EVERYTHING that was requested was provided weeks ago ; even our appraisal was completed and approved by XX/XX/XXXX. I contacted my student loan provider who corrected my repayment plan to the level plan payment which takes 3 days or so for letter to be generated to my email, which would have been done weeks ago if this was brought to our attention in a timely manner. I spoke with a manager at XXXX XXXX who tried calling our Loan Processor on conference so she could verify my correct payment plan info with our Loan Processor/underwriter while waiting for the letter to generated. Of course, when we call, we got no answer. Our daughter keeps asking about colors her dad can paint her new bedroom this weekend and we choke trying to give a hopefully response. At this point we have no idea what to expect from the last communication was with Navy Federal Credit Union 's mortgage phone team member XXXX who emailed our Loan Processor to advise we're once again unable to reach her. She advised the gentleman to tell us our paperwork will be forwarded back to our Loan Officer who will contact us tomorrow. SERIOUSLY! In my over 10 years in banking I have NEVER pass the buck on any of my customers. I have ALWAYS taken ownership of whatever challenges placed on my desk. This is truly a nightmare. This Friday is supposed to be our closing date and it doesn't appear we will meet it because of our mortgage lender. Our lease is up this month and the new tenant is due to move into the house we're renting XX/XX/XXXX. Not only must we continue to be concerned about protecting our children during the Covid-19 pandemic, we now have to be concerned about rather or not we will have a home for our children. This isn't an isolated issue. We're learning the reviews and XXXX complaints are true for we are currently living those same nightmares. | ||||||
| 08/02/2017 | Yes |
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Web | Servicemember |
| I have unsecured Personal loans with Navy Federal Credit Union, totaling around {$60000.00} I fell behind on a couple of payments as my father was battling XXXX and had to provide the family with financial assistance. During the months of XX/XX/XXXX XX/XX/XXXX navy federal hounded my personal cell phone with phone call after phone call, threatening to take legal action, have me arrested etc etc. Mid XX/XX/XXXX I called into navy federal to bring my accounts current. For one of the loans I asked for a forebearance as the payment was too high, the representative told me the forebearancw was subject to approval, and that tHey 9/10 are approved. The representative I spoke to told me all my accounts were current and the forbearance was granted. About a week later navy federal started hounding my parents home phone number ( XXXX ) XXXX XXXX. This number is not listed by me on my profile for navy federal, so I have no idea how and why they were calling this number. On XX/XX/XXXX, a representative from navy federal calls my parents home phone number again. Sick and tired of these calls, my father tells the navy federal representative that he is me. She goes on to tell my father every little piece of financial information of mine. The amount of the loan, the type of loan, my monthly payments, how many days late the payment was. She gives him all this information without asking him any security questions to verify that it is actually me that 's speaking. On XX/XX/XXXX, I called navy federal, to bring my account current, and due to their employee error my aforementioned forebearance was not correctly process so my account was never brought current. I wrote navy federal an email regarding the issue of my financial information being exposed to someone who is n't me. No one from navy federal reached out to me regarding this matter at all. So after 2 months I reach out to them again, and they stated the phone call was never recorded, which is n't true, because when I initially filed the complaint a navy federal representative did confirm the number was called and they listened in to the phone call and they will reach back out to me. They say their protocol for outbound calls is that if someone states they are the person who navy federal is looking for they can share financial information. I get it, that 's a policy. But to a certain extent It should be navy federals due diligence to know if the person on the phone is really who they need to speak to. Their representative gave explicit details about my account like what type of account it is, how much the monthly payments are, if that was really me on the phone do n't you think I would know all this stuff already? Like where 's the feduciary duty that 's owed to me? I reAched back out to Navy Federal on XX/XX/XXXX, And spoke to a representative in regards to the Mis handling of my private financial information. At first the representative claimed the phone call was n't recorded, and after I told her it was recorded because I spoke to someone else in regards to this matter before. She then went on said the phone call was disconnected and no information was given out, which is false, bc the person who my info was given to knew the type of loan it was, my monthly payments, along with the amount of the loan. But my issue is the level of integrity on navy federal end, to say the phone call was not recorded. Like how does the representative I just spoke to know that the phone call was disconnected and no information was given if the phone call was n't recorded? It makes no sense to me. My father is a XXXX patient that did not need any stress, and navy federal caused his condition to worsen and caused a huge rift in my family. I did not want them to know of any of my finances yet my entire financial freedom was ripped from me in one phone call. If any farther detail is needed please feel free to reach out me. My number is XXXX XXXX XXXX, my email XXXX | ||||||
| 02/19/2016 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Re : Navy Federal Account Since the inception of my account with Navy Federal, I have had a myriad of issues, stemming from incorrect financial information provided to me by supervisors and representatives, the credit unions consistent practice of failing to provide full disclosure of information, excessive & inaccurate overdraft fees, promises to provide me an account audit ( per my request last year ) which has never occurred, the credit unions inability to provide proactive alerts aligned to transfers ( those approaching XXXX of XXXX a month ) which will render fees associated via their email system to members, and my account set up incorrect initially. When I first initiated the account, it was placed under the incorrect social security number and it took several calls and a supervisor 's intervention to correct my account ( XXXX XXXX XXXX, XXXX ). Since this time I have been overcharged $ XXXX/ $ XXXX/ {$80.00} fees due to Navy Federal 's practice of a XXXX transfer limit per month, in essence, although the account holder such as myself may have funds in their savings account, the credit union will not bring these funds over to the checking account to cure any deficit if the account has had XXXX transfers per month which includes " fund '' transfer ( which the credit union does and I have just been recently advised this information '' and/or transfers that I conduct via mobile phone or via a teller. I was recently told on XXXX/XXXX/XXXX by a supervisor that XXXX at ext XXXX that Navy Federal 's mobile app does not provide " real time and accurate information. '' As a result ( per me ) the consumer is postured in a place of vulnerability in their quest to appropriately manage their accounts due to this inaccurate information. Furthermore, the consumer is not made aware via emails, inbox messages or documents that the consumer signs that the account information provided via the mobile app is inaccurate-hence no buyer beware practices are in place with Navy Federal. On last night I spoke with a supervisor XXXX who after I transferred over {$800.00} from my savings account to my checking account and addressed a fee of {$60.00} ( overdraft ), I specifically ask him would I be charged any additional fees and he stated " no '' only to find an additional {$60.00} overdraft fee charged this morning on XXXX/XXXX/XXXX but did not reflect via my app when he and I hung up the phone. As a member who has {$14000.00} in their saving account with Navy Federal, but upwards of {$20000.00} previously, I find Navy Federals fiscal practices to be alarming, misleading, and boarding on fraudulent. I have ask for the matter to be escalated to the corporate escalation team and was apprised most recently by " XXXX '' on yesterday that this team does not exist and that her supervisor was absent until XXXX/XXXX/XXXX. Hence, no immediate remedies are afforded to members to address their concerns. On XXXX/XXXX/XXXX at XXXX XXXX. I spoke with XXXX in the customer resolution department regarding my concerns hence, I know this department exists. I have been provided inaccurate forms when fraud occurred on my account in XXXX by branch and phone reps. Which was not handled in a timely manner causing a check to migrate to the State Attorney 's office. Persons involved in this matter were XXXX, and others around XXXX/XXXX/XXXX. I am requesting overdraft fees which were charged to my account inaccurately dating back to XX/XX/XXXX-XX/XX/XXXX and the {$60.00} which was recharged to my account on yesterday ( XXXX/XXXX/XXXX ) after speaking with XXXX ( a supervisor ). I surmise the total fees owed to me is {$480.00}. This matter has impacted my XXXX year old XXXX daughter child support funds, as a single parent this has created a burden. It has taken me multiple calls to Navy Federal even at work on my lunch break and on the weekend. XXXX | ||||||
| 01/19/2023 | Yes |
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| Between the month of XX/XX/XXXX and XX/XX/XXXX, my online checking bank account with the Navy Federal Credit Union was accessed by an individual unknown to me and a total of {$15000.00} was transferred to two separate banks - XXXX XXXX XXXX and XXXX XXXX When the initial transfer {$10000.00} occurred, XX/XX/XXXX, I panicked as soon as I received a text notification to my mobile device confirming an external transfer of funds from my checking account. I immediately called Navy Federal within seconds of receiving the text message notification and was transferred to the Fraud Team to file a fraud claim. The compromised checking account was closed. The bank issued a new bank account, walked me through the process of changing all passwords to my email account, bank login access identification and passwords. These were detailed steps that were provided to be by the bank representative, and I inquired if there were other safeguards in place, other security measures that I could take. I was advised that I had covered all available steps and there was nothing else the bank could do to ensure my money was safe. Weeks later, another fraudulent attack was successful on the new issued bank account with updated passwords and user login id and passwords. This time XX/XX/XXXX, {$5000.00} was successfully transferred from my NFCU account to another bank, XXXX XXXX. Note that I had gone to the branch seeking safeguard measures to protect my account ; security mechanisms to prevent this from further occurrence and the bank simply advised me there was nothing else they could do. And it was all my fault that this was happening to me. They issued a provisional claim to cover the amount whilst investigations were still ongoing. I was shocked to log into my checking account 1st week of XX/XX/XXXX, to observe that Navy Federal Credit Union ( NFCU ) had debited my account to the tune of {$15000.00}. NFCU went as far as taking ( transferring funds ) money from my savings account to cover the entire amount of {$15000.00} stating they found no errors in the transactions and deemed me responsible for the fraudulent transfers. I requested for additional information as I had contacted NFCU immediately I received a transfer notification alert to put a hold on the transaction and notify the receiving banks in this case XXXX XXXX XXXX and XXXXXXXX XXXX and the bank representatives that I spoke to failed to do that. They failed to protect my funds. All the advice they had previously communicated to me to protect my account were fully observed and put in place. On XX/XX/XXXX, while researching online to see how best to handle these fraudulent transactions with NFCU, wondering if other NFCU customers were equally experiencing this type of authorized fraud, I came across this news : https : XXXX? XXXX. Last XXXX, internal fraud investigators at the {$150.00} XXXX Navy Federal Credit Union grew suspicious of an employee who was possibly involved in criminal activity on the dark web and reported it to police. Who is to state that my account was not compromised internally by a bank employee working with an external party? The is refusing to share how my money was taken out of my own account. They have provided me with the external account numbers and names that the fund was transferred to. I have contacted XXXX XXXX XXXX, but they can't help me. I am not their customer. I would like the NFCU to be investigated and held liable for this loss. The bank only just implemented an additional security mechanism in at about XXXX XXXX XXXX that recognizes when a customer uses a new device to access an online bank account. The bank system will pose a challenge question that only the customer will be able to respond to. This is something that should have been in place to prevent these unauthorized transactions as the bank could have recognized the unauthorized login attempts as unusual and blockedstopped it. | ||||||
| 11/07/2023 | Yes |
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Web | Servicemember |
| An incident occurred in XXXX with my carry-on stolen during a trip. I filed a complaint with the airline and made a police report five days after the airline failed to locate the bag. I did not notice any immediate charges on my accounts and waited the allotted time for the airline. I notified the Navy Federal Credit Union about the incident and learned of pending charges or transactions I had not made. I was told to wait for those items to post before closing the accounts, as the fraud department would monitor the account for further activities. When the items were posted, I was given a form to complete to start the insurance claim and was told it takes anywhere from 30-90 days to conduct the investigation. I submitted the required information promptly and called to get the status of a new card. The account number was supposed to be issued with my known balance before the fraudulent activity. I never received anything. I called NFCU in XX/XX/XXXX. I was told there was a delay with processing information and another 30 days were needed to complete everything as both accounts were closed and showed fraudulent activity. Well, my life flipped upside down while waiting as my father got ill in XX/XX/XXXX and Died on XX/XX/XXXX. After the significant loss, I did not think of NFCU until later in the year or close to XXXX, when my security clearance was updated and up for review. The renewal took longer than expected because of the theft in XXXX and items on the credit report. I contacted NFCU to get the insurance payment details, but the fraud stated the accounts were closed and satisfied., the 3rd party insurance sent the amounts to cover the activity, and new accounts should have reached out by now. NFCU started taking my money from my savings account without explanation, and I closed the accounts abruptly. I never heard back from anyone in XXXX, or XXXX, and I followed up in early XXXX, then everything shut down. The investigation of my clearance was resolved as the items were removed from my credit report and marked closed, not charged off. There was no balance being reported. In XXXX, the accounts resurfaced, and I got a letter in the mail for a settlement offer of 20 % ; I responded to the correspondence, citing- if I paid 20 % on the accounts of something that the insurance company paid, this would be double dipping and billing. I stated that because there was a low balance on these cards at the time of the theft, I would pay 10 % of their settlement offer. I never heard back from anyone. So, now we are in XXXX, and the Fraud team admits that they do not share information with the charge-off team, and the recovery team was unaware of the insurance claim. That the collections activity should have never happened, but because the two departments do not communicate or share data, there weren't any retrievable notes. I need these items deleted, as the NCUA stated the Supervisory Committee would work with them to update policies that could support the fraud and recovery department processes. I have to address this every five years for the clearance review process, which has been exhausting. i do not have any other issues with any other bank cards that were part of the theft except this one. Everyone has completed the filings and was able to disclose the payments from the account assured. I can not even get the name of the insurance company from NFCU, and at this point, I should not need it. This is stressful and impacts my ability to do the job I was called to do to protect American citizens. I need an explanation as to why the bank chose to pay for negative information to be reported monthly when they received payment from the insurance company in XXXX. I am confused. I have sent at least 20 family members to do business with NFCU, and they still have relationships because they don't travel for work and vacation like me. However, I did warn them of these practices. | ||||||
| 10/06/2021 | Yes |
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Web | Servicemember |
| Unfortunately, I am a U.S. Veteran and I applied and was excepted on a mortgage in XX/XX/XXXX thru Navy federal Credit Union, XXXX XXXX XXXX. XXXX, VA XXXX Actual address, XXXX XXXX XXXX XXXX XXXX, VA XXXX I fell behind on my mortgage because I contract with the U.S. Federal Government and after I settled on my home at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ). I had two contracts with U.S. D.O.D. cancelled. I tried to work with N.F.C.U. and the kept coming back saying we need XXXX XXXX Dollars to reinstate your mortgage ( {$7000.00} ). The issue is as follow 's As of XX/XX/XXXX, I was fully aware my home going to foreclosure. However, I was not properly served. I was working for the XXXX XXXX. in XXXX XXXX. I called N.F.C.U. on Friday XXXX XX/XX/XXXX and spoke to the collections dept. The trustee never served with proper U.S. mail, Private processes and or the County Sheriffs dept per the Trustee. I explained I had a XXXX XXXX and I needed three weeks and I could get the XXXX XXXX Dollar 's paid. I was informed the home was up for auction at the Courthouse on Monday XXXX XX/XX/XXXX at XXXX XXXX. I explained I was not given notice by a Collections agency, N.F.C.U. and or a trustee I was not aware of had the account. Were as I was informed to speak to the trustee 's office in XXXX XXXX. obviously, I was told the same thing? It was being foreclosed on Monday XXXX XX/XX/XXXX at XXXX XXXX. Again, I explained I never received notice. I was put on hold ( Note I never cursed ex ), An attorney answered and said the same and that I would understand. I explained I would have filed a Chapter XXXX reorganization per the U.S. Constitution. The woman on the phone did not actual state but made herself clear therefore we will not collaborate with you Mr. XXXX. Obviously, she meant because I have as a U.S. born Citizen and U.S. Veteran rights that have been refused with criminal intent., However, I explained I was not notified of their office as a trustee was already involved and or the pending foreclosure over the weekend. I was out on hold again and she returned and said. Mr. XXXX, I have a copy of a U.S. Postal Service Certified Letter with it handwritten on it. Return to send er the property is vacant. I explained I have a leased tenant to help catch up in the property and I can supply them less to show the property was and is not vacant. I was hung up on and instead of calling back and risking being charged with a crime of XXXX I hoped and did not receive a return call. I called N.F.C.U. again and explained I was not properly served and my rights to file a ( Chapter XXXX Reorganization Bankruptcy ) was violated it went no wheres. I offered to recover any losses to N.F.C.U. in an unsecured note. I never received a response in two years. In closing this was an illegal foreclosure because I proved service was not properly made, l was violated and refused to be able to file a ( Chapter XXXX bankruptcy ), I am requesting intervention and N.F.C.U./ The trustee show the returned letter saying the property was vacant and I will supply the rent / Dep check and lease. Further I can prove there was an eviction of the tenant after the foreclosure. What I want. Since the home sold for excess of {$40000.00} XXXX dollars thinner, I owed, I owed in land records of XXXX XXXX. I am asking N.F.C.U. remove any records of the mortgage/ Foreclosure. As an undisclosed settlement for their conspiracy of Fraud. in return I have until XXXX XXXX, and I will be filling my complaint know later by thin the end of XX/XX/XXXX a civil action in XXXX XXXX for XXXX County V.A. The foreclosure laws were violated when service was not properly performed to. My civil rights as a U.S. Born Citizen / U.S. Veteran XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX My office mailing address for privacy reasons is as follows XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX | ||||||
| 09/30/2015 | Yes |
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| There is a workaround banks are using to earn finance charges. A {$5.00} charge that is paid in full by the statement due date accrues no interest. A {$10000.00} balance transfer at 0 % carries month to month within the promotional period accrues no interest. As independent transactions this holds true and correct. However, if during the 12 month 0 % promotional period for the same {$10000.00} if the same {$5.00} purchase occurs the consumer now must pay {$10000.00} dollars by the statement due date or be assessed finance charges on the {$5.00}. GOT-YA clause essentially. They stipulate the entire statement balance must be paid to not accrue finance charges in order to either circumvent many of the intentions of the Consumer Credit Act of 2009 or the banks threw enough money at lobbyists in order to leave this sort of a loophole for them to exploit. Given this scenario with a statement balance of {$10000.00} the consumer makes a payment of {$250.00}. In accordance with the Credit Act they will apply the payment to the highest interest rate first which means that {$5.00} purchase is being paid by the first statement due date following the purchase. Since there is a remaining balance left on " the statement '' of {$9700.00} they can apply finance charges. So despite the balance transfer and purchase transactions being independent and XXXX has nothing to do with the other because they exist on the same single account the banks will penalize the consumer with finance charges. It 's apparent and obvious this was devised in order to still reap profits through shady fine print details. The Credit Act should be amended to stipulate that new purchases or new cash advances can not be stipulated based on a lower balance transfer promotional offer existing. Essentially forcing segmentation exist within the singular line of credit. This retains all existing rules but breaks this loophole. Not only will payments apply to the highest interest rate but under any circumstance in which a new purchase or cash advance occurs the payment is applied to the newest transactions first and finance charges can only be applied to the carries balance. Break that down so in month 1 the consumer uses a balance transfer of 0 % for 12 months on {$5000.00}. In month 2 the consumer makes a {$200.00} purchase and on the next statement in which the {$200.00} is shown the consumer makes a payment of {$300.00}. This covers the {$200.00} purchase and this no finance charges may be assessed and the remaining balance is {$4900.00}. In month 3 the consumer makes a purchase for {$1500.00} and on the next statement in which this {$1500.00} is shown the consumer makes a {$1000.00} payment. The bank can only apply a finance charge based on the remaining {$500.00} balance carried over from the {$1500.00} purchase. In month 4 the consumer has no new transactions. The previous month balance is {$5400.00}. The bank can apply finance charges on the accounts daily average balance " of purchases '' or {$500.00} for that month. The consumer makes a payment of {$2400.00}. This pays off all purchases and no further interest can be assessed. In month 5 the account balance is {$3000.00} plus the accrued interest on the previous months carried balance. The consumer makes a payment in month 5 that covers the interest amount and then some additional toward the remaining balance transfer amount. In month 6 all that remains on the statement is the remaining balance transfer amount. This is what 's right and prevents banks from leveraging the balance transfer as a way to sneak in finance charges. Consumers should not have to dissect things in order to realize that they really need an entire account solely used for balance transfers and another account for purchases/cash advances. This forces a situation where consumers must have multiple accounts and catches consumers in unintentional finance charges due to the legal verbiage used. | ||||||
| 08/05/2023 | Yes |
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| Navy Federal Credit Union is unable to collect on a discharged debt. Per the IRS this is now considered a certificate of indebtedness which is income and can not be reported. The remaining account balance should be refunded to me. Navy Federal Credit Union agreed not to share my financial information with non-affiliates. XXXX is not an affiliate of Navy Federal Credit Union. XXXX is not the true credit bureau the CFPB is and they do NOT furnish credit reports. XXXX is an independent company and does not have my permission to report my financial information from Navy Federal Credit Union. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure. | ||||||
| 07/12/2015 | Yes |
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| On or about XXXX 2014 the credit union of my new address, the customer service agent mis-typed my unit number, and had the incorrect address on file for several months. After I notified them it was the wrong unit, they continued to send all my personal banking information to this unit, including my full credit card numbers, access number, transaction information, and all correspondence against my will to this stranger. I did not receive my statement, and called to notify them again & through a " verification system '' of public information, I answered XXXX question out of XXXX wrong, and failed their " verification '' and they would not allow me to change the address to receive my bills. At that time, I had online banking with them, and assumed I could log in, and receive my statement that way. However after I logged in, my service was partially suspended due to a " Security freeze '' and could not view statements or do transfers. Realizing this, I began to record my telephone calls to the credit union, and document the unbelievable trouble they are forcing me into to get a bill. Again, during the final call XX/XX/XXXX they would not provide an account number to pay, or even the payment amount. I asked if they were concerned about " Fraud '' they should be asking me about the charges, to see if they are mine or not? They would not comply. I told her I did n't know how else to pay, and she did not seem concerned. We then began to " Guess '' what our payments were, and when they were do and send in a check. They would not direct me to any address, or any person of authority to correct the matter, even after repeated requests. Subsequently XXXX XXXX, 2014 Navy Federal CU decided to correct our address to the correct unit ( XXXX ) and we were able to receive the statements, review them, and get the payments out on time. I called member services, and asked them to release the " block '' so we can use the bill pay and other features. She advised me the only way was to come inside a bank, and meet a banker. I stated due to my handicap, that would n't be possible, I could potentially meet at the drive-through, but again not inside, however my husband can go in. SO I faxed them, a copy of my State ID card, SS Card, Birth Certificate, Utility Bill, and followed up that they received them. XX/XX/XXXX, I stopped receiving statements again, and went through the same process with member services as before. I continued to try and make estimated payments on estimated dates. This week my son ( Whom is an authorized user on the accounts ) Notified me he was declined for XXXX auto refinances because of unpaid credit card bills. After pulling my credit reports, I discovered Navy Federal Ruined not only my credit, but my sons as well. They are currently reporting 90 days late on the credit card, and on XX/XX/XXXX we immediately called the credit union to rectify the situation. I was told to call back another day when collections was in. The very next day XXXX spoke with XXXX XXXX whom stated he would decrease my interest rate to 6 % and bring both accounts open and active, however I had to pay a {$240.00} payment to get the MasterCard to reopen, although I did n't agree at first, I called back later to accept the offer, however, his shift ended at XXXX, and his supervisor said he could n't help me. I asked to speak to anyone, and was hung up on 3 times during the 7 hours I spent on the telephone with the credit union. No one would accept my payment for the account, even though everyone mentioned ( this will " charge-off '' any day now ) I was furious! I have all calls recorded, and as a person of integrity of course I want to pay my debts, if I have charged them. Navy Federal refuses to let me, and they choose to discriminate against me, and ruin mine, and my son 's credit. The purchase of our new home just fell apart 2 weeks ago because of this. They are ruing my life. | ||||||
| 09/17/2015 | Yes |
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| Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by Navy Federal a Credit Union ( which I shall refer to as Navy ). I was a loyal customer of a Navy Federal Credit Union until XX/XX/XXXX, at which time I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XX/XX/XXXX. I had several accounts with Navy, all of which were in good standing until XX/XX/XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by Navy, and in fact had a stellar reputation with them and a very good credit rating overall. In XX/XX/XXXX, Navy was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. Among the accounts with Navy was a {$75000.00} loan for a XXXX ' XXXX boat. After the bankruptcy I contacted Navy by phone several times, had my attorney call, and even went so far as to " serve '' them with official notice at their headquarters, so as to facilitate surrendering of the boat. I was told by telephone they would " figure it out '', call me back, or have the right person get in touch with me. Ultimately Navy never responded and I was saddled with the cost of dockage, insurance, upkeep etc., a fact which I made Navy aware of, but they ignored. Navy further refused to cancel the lien on the boat, so I could n't sell it either ( which I could have done and sent the money to Navy ). I could n't just abandon the boat, as the boat is documented in my name and I could be civilly and criminally liable under XXXX and Maritime regulations/laws ; if the boat were to sink, drift into another boat, cause a spill, etc., and at XXXX ' and XXXX lbs, that could be quite a disaster. I felt this was very unfair, especially to a person such as myself who was seeking, and granted, the protections of the U.S. Bankruptcy code. Further, Navy has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to Navy as well as having my attorney contact Navy. Ultimately this has yielded " 0 '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims Navy has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but may consist of even more severe violation of other laws and/or regulations. Navy has consistently incorrectly reported account on all XXXX of my reports in this way : '' Doubled '' accounts showing them twice, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. Is reporting most accounts as closed XX/XX/XXXX, even though they should show closed in XX/XX/XXXX, which is severely damaging my credit rating. Has/Is reporting accounts as " open and late '' as recently as XX/XX/XXXX and XX/XX/XXXX. Navy refuses to respond to my written communication concerning these inaccuracies, and the credit bureaus are only willing to list what Navy tells them, despite my myriad documentation to the contrary. One of the great benefits of the Bankruptcy Code is that, for those citizens who deserve it, can make a " fresh '' start. Contrary to the law and purpose of the process, I believe that Navy is purposely harming me as retribution for the losses they incurred in the Bankruptcy. | ||||||
| 07/21/2023 | Yes |
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| On XX/XX/XXXX I took out a boat loan with Navy Federal for the purchase of a XXXX XXXX XXXX boat with motor and trailer. The promissory note requires the information below : As promptly as possible and no later than three months, the Applicant/owner ( s ) will deliver to Navy Federal a Certificate of Title or other proof of ownership reflecting Navy Federal as the first lien holder . The Certificate of Title must also show the individual Applicant/owner ( s ) as the registered owner ( s ) of the collateral. Failure to comply with this request can result in Navy Federal converting this loans annual percentage rate to Navy Federals prevailing unsecured personal loan rate and can increase your monthly payment. If Navy Federal exercises its right to file for the lien-recorded title, filing fees will appear as a debit on the Applicants savings account. The boat and trailer are registered and titled in the state of North Carolina. I verified, in XX/XX/2020 with the North Carolina XXXX Department, who registers and titles boats, that a copy of title with Navy Federal as primary lean holder was sent in 2020. I had a duplicate copy sent to Navy Federal the same day XXXX XXXX. A receipt was emailed to Navy Federal to XXXX as I was instructed to do when I went to a branch office to fix this issue, along with the bill of sale with model and serial for the motor and trailer as well as XXXX for the boat via email on XXXX XXXX. A copy of the NC registration and tax was submitted in same email. My rate was corrected for the second time from 16.9 % back to the original 8.9 %. My rate was increased again a few months later saying they needed the same information. On XXXX at XXXX I called back again attempting to correct. I was informed that they never recieved any title copy from the state of North Carolina. They never recieved any emails from me. They them, after I provided date and time of email as well as each attachment, stated that no attachments were on the email. I forwarded the email back to Navy Federal. I was then told the attachments had to be in PDF format. I asked to speak with a supervisor who told I had to provide a copy of the title and US or foreign title or registration for the motor ( which does not exist as the motor is part of the boat ) as well as statement of origin from the manufacturer of the motor. None of this is in the promissory note as above. One again I was told they have not recieved anything from myself or the state of North Carolina. I have not missed payments. I am up to date on my loan. The information they request is not possible as it does not exist. By law, I can not obtain a copy of the title without authorization by the first lein holder which is Navy Federal, who will not authorize me to obtain. I was told no email correspondence is allowed by Navy Federal when i requested a copy of the note saying i had to provide a foreign title or registration or certificate of orgin fir the motor, so they will not provide anything to me in writing via email stating what is needed to clear this up. Each time I have sent information in the rate has been adjusted back down then raised months later. This is criminal fraud by Navy federal as I have provided and the state of North Carolina has provided the title with Navy Federal as first lein holder. I have a second personal loan for a golf cart that the same thing has happened with as well. The original rate was raised after purchase. The cart has no XXXX # as it is does not exist and can not be registered. A bill of sale was provided with model and serial. The rate lowered and then raised again. Navy federal issued two loans, agreed to rates, after purchase raised rates and request information that is impossible to provide. Please help with these crminal financial breach of contract fraud issues. As I try to print my promissory note for the golf cart loan it os no longer available. | ||||||
| 05/14/2015 | Yes |
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| In late XXXX 2015, Navy Federal Credit Union ( NFCU ) flagged my account. I was told the reason this was done was because my original car loan had expired even though I still had a balance. ( NFCU ) proceeded to then tell me that it was a good thing that I called when I did because I only had 5 more days before I would be charged interest daily. I was then told I had XXXX of XXXX options, I could pay the full amount today or I could agree to pay the remaining balance over an agreed monthly plan, with virtually no interest. I was then told by collections that I would just be paying what I currently owe. I would just be agreeing to do a monthly payment term. In agreement with the terms, collections then said that my monthly payments would be {$59.00} for 71 months after the initial payment of {$59.00}. I immediately stated that I do n't need 72 months to pay off the balance. The representative then told me that my supervisor did this just in case to give me more flexibility financially. She then stated that I was welcome however to pay the loan completely off early if I desired to. I was then asked if I wanted the payment protection plan and I replied no. As I ended the call, I was told that my first payment would n't be until XXXX XXXX. Also, to sign my promissory notice and return it as soon as possible. So know, towards the end of XXXX when I received the promissory notice. I called ( NFCU ) again because the promissory notice contained the payment protection plan that I specifically said I did not want. They confirmed they had made a mistake and that it would be corrected. I then stated that I wanted something in writing that supported what we had agreed upon. I was told by the representative that they would be sending me a letter of addendum which would support the original agreement minus the protection from the original promissory notification. Furthermore, that because the protection plan was removed my monthly payment is now {$52.00} instead of {$59.00}. This would also be validated by the letter of addendum. On XXXX XXXX, 2015 I made my first payment of {$52.00} to Navy Federal Credit union. I also inquired about my addendum letter and I was informed that it was mailed on XXXX XXXX. It arrived around XXXX XXXX. Well on Monday XXXX XXXX, 2015 I received in the mail a new updated promissory note from ( NFCU ) changing my remaining balance from {$3700.00} to {$5700.00}. This prompted me to call once again to speak with collections the same day around XXXX that evening. Upon talking with the Supervisor on duty that evening, I was told that the reason I was sent the updated promissory note was because that was the right XXXX. He proceeded to tell me that the initial promissory not was invalid because the APR annual percentage rate of XXXX was wrong. They do n't give out those type of APR 's for this type of loan. I asked how is it that I received this rate if indeed I have it in writing. Furthermore, I have a letter of addendum that validates it. He said to me, we made an error and therefore we have to give you a new rate of 14.900 % equaling {$2000.00}. I called again on the XXXX of XXXX spoke with XXXX XXXX XXXX ID XXXX, who initially said I see what the problem is and then told me to hold on. When she came back to the phone said, " Oh you talked to a supervisor yesterday who told you we made a mistake so therefore we ca n't honor this agreement unless you accept another APR ''. The loan officer I spoke with on the XXXX prior to speaking with XXXX said that they are supposed to honor the initial agreement - end of story. I have constantly asked them to pull the tapes, in response they said that does n't matter - they would not honor it. They have already unlawfully change the information regarding my loan, as well as doctored the details of the original promissory note. I have not agreed to new terms - I expect you to abide by your written agreement. | ||||||
| 05/18/2017 | Yes |
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| Spoke with Navy Federal Credit Union pertaining to Fraudulent transaction that an ex roommate committed. Gave them his name and information for the claim, also provided the Federal Affidavit of identity theft, concluding the transactions were fraudulent. The Fraud Investigator stated that she approved the fraudulent transactions because nobody specified if the card was in my possession at the time of the use. I stated to her, that the first thing the person asked me was if the card was in my possession and I stated no it was not. My roommate gained access to my card. I stated to her as I told the previous representative, that he has XXXX XXXX issues, and has a problem with going into others belongings. I asked her to reopen the investigation and conduct a real investigation. She began to become very dry, and stated that she investigated the matter, and upon 10 times requesting a supervisor, she finally stated that the issue will be excalated to a supervisor and a supervisor will be calling me within 24 to 48 business hours. As stated, XXXX XXXX tomorrow morning would be the 48 hour cut off time, at which time I have received no call from any supervisor. I went to my account today, and all of my funds in XXXX were stolen, and they stated it was to satisfy the outstanding balance from the fraudulent charges. This bank has stolen my funds and sided with identity thieves which does not sound like or even began to look as though they are XXXX XXXX, and some other entity is doing this to my accounts, which would be illegal. I spoke to a number of people and advised them, that XXXX XXXX gives a written notice anytime, funds are being withdrawn without the consent of the customer. They give the date and the time, and allow for the customer to be informed. This is not good business practice as I was not given proper notice of them stealing my funds to compensate for fraudulent transactions. I spoke with XXXX who declined for me to speak to any supervisor. I called back and spoke with a person by the name of XXXX, and later found out her name was not XXXX, it was XXXX, whom transferred me to XXXX, who claimed she was a supervisor, and stated they will not be returning my funds to my account until the investigation is over, she claimed her supervisor was named XXXX, and would not be able to be reached, and there is nothing that anyone could do when they could have. They could have placed my funds back into my account, but chose not to. Called back and spoke with an individual named XXXX who transferred me to her supervisor named XXXX, XXXX stated that he could not return my funds back into my account either, and stated his supervisor was named XXXX, and could not be reached. I am demanding XXXX XXXX Return every fund into my account, immediately, and pay for any damages this may have caused. I payed my vehicle payment, before they took these funds without notice, and without my authorization. People should be able to trust their bank, to uphold integrity, and look for the best interest of their customers. This credit union conducted itself as a sleezy bank such as XXXX, or XXXX XXXX XXXX, and has completely lost all of my trust. I am requesting all individuals involved be terminated, and that XXXX XXXX begin to be customer oriented as they once were, looking for the best interest of its customers, and giving excellent customer service, and not robbing its customers of peace of mind that their funds will be in their account at all times, without someone tampering with it. If someone commits fraud, for them to be there for their customers, without hesitation or question, and help their customer in that most violated time. Not to assist the identity thieves, and make the customer pay for something they did not do. I want my funds immediately, and all to be terminated and banished from reviewing my account in any form. And yes, to conduct a thorough investigation. | ||||||
| 08/23/2019 | Yes |
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| As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; OID is a form of interest. It is the excess of a debt instruments stated redemption price at maturity over its issue price ( acquisition price for a stripped bond or coupon ). Zero coupon bonds and debt instruments that pay no stated interest until maturity are examples of debt instruments that have OID. As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; The term debt instrument means any instrument or contractual arrangement that constitutes indebtedness under general principles of federal income tax law ( including, for example, a bond, debenture, note, certificate, or other evidence of indebtedness ). It generally does not include an annuity contract. The Company and myself entered into a contractual arrangement ( debt instrument ) which constitutes indebtedness under the general principles of the federal income tax law. The Company has obtained the Original Contractual Arrangement ( instrument ) ; hence, are considered the Holder in Due Course/ Payor and are liable for the federally withheld amount of {$2000.00}. In addition, additional payments were made which said company has failed to provide a 1099 OID regarding past payments which again, they are liable for the federally withheld amount. All federal credit unions are encouraged to use a double-entry accounting system. In this system each transaction results in at least two entries : a debit ( or entry on the left side of an account ledger ) and a credit ( or entry on the right side of an account ledger ). For every debit entry there must be an offsetting credit entry and vice versa. Following this rule and determining that the total debits equal the total credits can keep the records in balance. The " Asset Accounts '' record what the credit union owns. ( For example, the contractual arrangement that was signed for value received in the amount of {$2000.00} XXXX. These accounts normally have debit balances. The " Liability Accounts '' record what the credit union owes ( For example, the {$2000.00} in credit which is due to the recipient ). The " Liability Accounts '' normally have credit balances. As the recipient who authorized said Contractual Arrangement, I am being hindered from assessing said tax accordingly in association with form 1099 OID and 1040, which said Company knowingly participated in a transaction to effectuate criminal or fraudulent avoidance of tax liability. Consequently, said company has intentionally impacted ones credit worthiness negatively regarding said Contractual Arrangement which is considered irrefutable proof that they do not respect the general principles of the federal income tax law. Attach you will find Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments, Pages 1 and 2 ; Emphasis on the following Definitions ( Circled ) : Original Issue Discount ( OID ) and Debt Instrument, said companys statement ( other evidence of indebtedness ) which constitutes indebtedness under the general principles of the federal income tax law and Accounting Manual For Federal Credit Unions Topical Index ( NCUA.pdf ) : emphasis regarding the highlighted areas. The following forms have been prepared accordingly and are on standby should any issue arise regarding said complaint in association with NAVY FEDERAL : Department of the Treasury - Internal Revenue Service Form 3949-A - Information Referral and Department of the Treasury - Internal Revenue Service Form 211 - Application for Award for Original Information. All statements/ responses regarding said complaint will be forwarded to the Internal Revenue Service along with said forms in order to substantiate my complaint. | ||||||
| 12/20/2021 | Yes |
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| Over the weekend I filled out an application online to start my non-profit working primarily with military veterans. I have been volunteering in the community for years, my son is a veteran and ex-husband. Over the years I heard the complaints about being able to find jobs for military transitioning into civilian world. I have helped many military with writing resumes that convert civilian and federal to facilitate them with finding gainful employment. After speaking with my State Representative about starting the non-profit she suggested that I work with military families because working just silo helping the enlisted they would be served better as a family unit. So when I spoke with the man on the phone he asked me who I would be working with and I stated some of the civilian population he stated that I had to work exclusively with military families, I told him that would not be a problem because I have been doing that anyway. I did not know that we got disconnected I kept saying hello and no on answered so I hung up and called back. I spoke with another worker who asked me a lot of questions like I was a criminal. I obtained my XXXX XXXX we have been unofficially working in the business with military before XXXX my State Rep convinced me it was time to start the non profit. I asked to speak to a Supervisor XXXX answered she listened to the tape and said I could not change my mind based on the information I was given about exclusively saying I would only be working with military families. She had aggressive undertones would not allow me speak with her superior and denied my application. One of the goals for my non profit is to raise funds to obtain a portable shower for the XXXX veterans. The next called stated he felt if you served a short time you should not me considered a veteran. I don't know if Mondays are bad days for these people but if I already work with military XXXX percent over the years working with them exclusively would not be an issue. I am in the beginning stages of starting my business did I plan on working with only the military no not initially but if I need to only work with them it is important enough for me to do so. Resume writing, entrepreneurship, workshops, seminars, coming into alliance with other organizations that can fill those gaps would not be an issue. These were some rude, unprofessional aggressive people, they acted like changing my mind was a cardinal sin. I asked for the paperwork in writing that said I could not meet those guidelines and focus exclusively on the military and families. She denied my application because I changed my answer based on the information that was presented. She refused to allow me to talk to anyone else and told be to go to another bank The second guy I spoke with was no better. I am sure their is someone who can overturn this decision so that I can work with military families who are struggling to make ends meet. Or military families who can not make the transition into civilian world and continue to have a career. Or military who may want to start a business or side hustle and attend my workshop, seminar, webinar. I was asked would I be online or in person. I prefer in person because they need hands on face to face help with taking the necessary precautions. I could understand if they said we can only open the account if you can work military families exclusively according t the guidelines. They just flat out denied me after I found out what the guidelines stated that should tell you that i really care about the military if I am willing to exclusively work with that community. This is what happens when you are legitimate and have a true heart to work with those that serve us, many of them are getting out because of not taking the vaccine and will need assistance. I appeal this decision and believe I was treated unfairly. I would like the denial of my application overturned. | ||||||
| 10/12/2018 | Yes |
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Web | Servicemember |
| On XX/XX/2018 I filed a complaint/dispute regarding unauthorized charges on my Navy Federal account. I immediately canceled the card and On XX/XX/2018 I received a provisional credit in the amount of {$700.00}. I also received a letter via navy Federal online banking explaining that the credit could be reversed if Navy Federal determined that no error had occurred. On XX/XX/2018, I received a letter from Navy Federal stating Based on a thorough investigation of your account activity, we have determined that no error has occurred. The provisional credit of {$700.00} applied to your checking account on XX/XX/18 will be removed from your account on XX/XX/18, which is 20 days from the date of this letter, at which time your case will be closed. As a consumer, you have the right to request any documentation that was used in the decision of this claim. However, notwithstanding Navy Federals proposed letter agreement, the credit issued was immediately reversed on XX/XX/2018 ( the day the letter/notice was sent ). I immediately appealed and protested the decision on XXXX XXXX and notified Navy Federal of their errors. In addition, I requested verified proof of claim that the transactions disputed pertaining to this matter et.al., 1. Were not fraudulent transactions and 2. Were authorized by XXXX XXXX XXXX 3. The determination to reverse, revoke or refuse to credit the account of XXXX XXXX XXXX was based upon facts. 4. The determination to reverse, revoke or refuse to credit the account of XXXX XXXX XXXX was not based upon opinion. 5. NAVY FEDERAL CREDIT UNION A/K/A Navy Federal, has disclosed all information and documented proof of claim and allegations pertaining this matter/XXXX XXXX XXXX account to XXXX XXXX XXXX 6. Navy Federal 's determination pursuant to this matter, without verified facts. is not prejudicial to XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX Estate. 7. Navy Federal 's determination or decision pursuant to this matter was concluded using facts or facts disclosed by a third party. 8. Navy Federal is not willfully and intentionally discriminating against the account holder, XXXX XXXX XXXX 's rights. 9. Navy Federal has facts which can confirm or conclude that the transactions disputed by XXXX XXXX XXXX are not unauthorized or fraudulent and Navy Federal 's determination is hereby APPEALED. 10. XXXX XXXX XXXX Is not the beneficiary of the XXXX XXXX XXXX estate and all accounts in the name XXXX XXXX XXXX and have extended POA to Navy Federal Credit Union pursuant to the agreed upon terms and conditions withstanding the will or wish of the Beneficiary, XXXX XXXX XXXX XXXX. Should Navy Federal Credit Union not comply with the terms and conditions or the will of the Beneficiary, XXXX XXXX XXXX, all authority and consent pursuant to the issued POA shall be hereby revoked upon receipt of this agreement. 12. XXXX XXXX XXXX Did authorize or consent to any credit issued to the XXXX XXXX XXXX Account pursuant to the herein referenced disputed transactions being revoked or reversed by Navy Federal Credit Union without verified proof of transactions being authorized or non-fraudulent. I also Notified Navy Federal that I was also going to file a complaint with the NCUA regarding this matter. I further requested Navy Federal to provide supporting documents to support their determination or conclusion of legal fact as my account activity draws no legal conclusion of fact that the transactions disputed were authorized. Navy Federal responded via online banking E-messages. The response read : We appreciate your bringing this matter to our attention and regret any inconvenience it may have caused. Our records show we sent you two letters regarding the denial of your claim. We will honor the last letter you received and re-issue a provisional credit of {$700.00} to your checking account until XX/XX/2018 as indicated in the letter. | ||||||
| 04/22/2016 | Yes |
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| I applied for a mortgage with my wife and son as co-borrowers, Navy Federal had reviewed my credit report, bank statements and pay stubs and issued a pre-approval. When I had a ratified sales contract and the loan was processing, few questions came up regarding a property I had in the past. Navy Federal delayed my process for about two weeks and all they said was " we are verifying information '' finally we were a week from closing and since we were n't getting any response I had to get my nephew involved. My nephew used to work a t NFCU and he was the person that referred me to them so I gave him permission to speak on my behalf and try to find out what the issue was. He was not getting a response from processing so he provided us with a few emails from the company 's executives. Finally my nephew spoke to XXXX XXXX who asked if we had had a property in the past which was odd because I had been told by the processor during the process of the mortgage that XXXX XXXX was incorrectly reporting information about my social # so obviously we had a property in the past, it was on the credit report. XXXX then asked the disposition of the property and my nephew told her it had been sold as a short sale around XX/XX/XXXX/XX/XX/XXXX ( did n't have the exact date at that time ) but knew that our waiting period had definitely already past. XXXX then told us that the credit bureaus were not reporting accounts that I previously had in the past. WE asked her several times to please assist and let us know what accounts she was referring to but all XXXX said is to call the Bureaus. From the beginning of the application process, we had explained NFCU that I had been in this country for about XXXX years and paid taxes every year under my TAX ID and recently had obtained my green card and social security ( not sure why this was a surprise later on ). Called all XXXX credit bureaus and were told that the information they had was correct, we even uploaded a copy of our green cards/social security cards to verify our identities. XXXX refused to move our file along because she stated NFCU did not have a " true '' FICO. We explained to XXXX we do not control nor have ANY WAY of manipulating the credit reports, we had call all XXXX Bureaus and asked to update any accounts under our tax XXXX if any and they stated the credit bureaus do not only report information based on SSN but also based on address, dob and names. At this point after several weeks of trying to get the matter resolved and a few days from our closing date, XXXX asked to call the Bureaus ONE more time and get the employee XXXX that we spoke to and requested the information to be updated. ONce again we called and gave XXXX this info- XXXX XXXX employee ID XXXX, XXXX XXXX employee ID XXXX and unfortunately XXXX did not want to give out this info, at the same time we again explained XXXX that all XXXX bureaus were saying the exact same thing NOTHING TO UPDATE, she refused to help us with putting us in touch with a department in any of the bureaus that will assist us with getting this fixed. The bureaus also agreed with us that we HAD NO power to manipulate any of this, if that is what NFCU was thinking. After all the hope XXXX XXXX had given us and made us go through, NFCU DENIED the loan on basis of " unverifiable information '', we feel that this does not meet a true denial of a loan. We had provided ALL documentation requested, transcripts, bank staements, IDs, green cards, SSN cards, XXXX, pay stubs, rental information etc and all these documents are 100 % verifiable. We are still fighting to get our earnest money deposit from the seller and were put in a position with our landlord since we had to stay in the property after all. NFCU needs to elaborate on what documentation was not verifiable because we offered everything in our power to help NFCU with the process. NOTE : This is a brief expl | ||||||
| 02/24/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2022 I made an additional payment of {$93.00} over the phone with a representative from Navy Federal Credit Union ( NFCU ) on my closed VISA credit card account ending in XXXX. This additional payment was required because the interest rate they were charging me went up a couple month earlier unbeknownst to me and as a result the automatic monthly minimum payment that was being withdrawn from my bank account no longer covered the new minimum monthly payment. So the amount due went up. They should have raised the amount that was being withdrawn so that this was not an issue. But regardless, I made this extra payment on XX/XX/2022 to meet the amount that was to be due on XX/XX/2022. That was four days before it was considered late by them but they didn't process it until after close of business on XX/XX/2022 and then reported my payment as LATE to the credit bureaus. I complained to NFCU and had several back & forth messages with them ( which have been deleted from their website message portal ). They refused to fix this incorrect reporting. The representative who originally took my payment over the phone did NOT mention it would take them over 4 days to apply the payment and that it would be considered, and reported as late. The whole reason he was taking the payment was to make sure it was received and applied prior to it being late. After we spoke he said I was all set. This ended up not being the case. So I filed a complaint with the credit bureaus but their investigation results indicated that NFCU claimed my payment was late, so it remained on my credit report as late. This has caused serious damage to my credit score and has harmfully impacted my life in several ways, such as being to obtain employment, get car insurance, be approved for a loan, rent an apartment, apply for credit, or even joining organizations that take credit score into account. Every other credit card I have and have ever had apply payment that same day or the next business day. I have attached the credit card statements for XX/XX/2022 and XX/XX/2022 showing when the payment was applied. I have also attached the email I received from them on XX/XX/2022 showing when I made the payment via telephone. What's even worse is that I had frozen this card and actually closed the account due to financial hardship during COVID. But I still continued to make on-time monthly payments every single month dating back before the pandemic and right up to this day. I've never missed a payment or have been late. Over 50 straight on-time payments and counting. The credit bureaus and any entity pulling my credit history is interested in seeing if I actually PAID a bill on time, not how long it takes ( 4+ days ) this antiquated financial institution to process that payment. This is misrepresenting my actions and misinforming any inquiring creditors of the facts. I did not PAY late! They processed my payment slowly caused it to miss their own deadline. That is what should be reported on my credit report. The truth. Furthermore they are also misrepresenting the nature of this account. This is a CLOSED account but they are reporting it as a revolving account that has XXXX credit but a high balance. So they are adding the account balance to my overall total revolving credit usage. Its effectively making it seem that I am sometimes over 100 % usage across all of my revolving credit accounts. This is also very damaging and not accurate. It is not a revolving balance It should be reported as an installment account. I just continue to pay it down in installments faithfully every month but they just keep continuing to damage my financial health and all the other basic life needs that rely on my credit score. Please have NFCU remove this inaccurate late payment from my credit history and correctly report it as a closed installment account, not revolving. Thank you XXXX XXXX XXXX | ||||||
| 10/21/2019 | Yes |
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Web | Servicemember |
| XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX, IA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Dear Sir or Madame, This is the second time I complaint about my issue with Navy Federal Credit Union. The first compliant ID is XXXX submitted to you on XX/XX/XXXX. I received the respond from Navy Federal Credit Union stated they are working on my case and expect to be within 60 business day. I was out of the country, I advised XXXX XXXX ( the merchant whom I dispute the charges on my credit card ) that I will be out of country and wont return until yesterday XX/XX/XXXX. Today, I went online I saw the amount that I disputed in my online bank statement. I am very disappointed at Navy Federal Credit Union for not clearly investigate my issue and jumping into the conclusion while I was out of the country. Please help me get my money back. Below is the previous complaint that I sent to you on XX/XX/XXXX Should you have any question, please do not hesitate to contact me at : XXXX. Thank you for your time, XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Dear Sir or Madame, My name is XXXX XXXX and I am a member of Navy FCU. The purpose of this letter is to compliant about Navy Federal Credit Union. Ive been a Navy FCU member since my husband was in the service. On XX/XX/XXXX, I order 4 crown cases from an online store by the name of XXXX. in the amount of {$460.00} however I noticed they charge my account for a total of {$470.00}. After received my order from this company, I noticed the crown cases are much smaller than the one I purchased from them back in XX/XX/XXXX. According to their website, the inside measurements are 9.5 inches for the width and 6.7 inches in height. The case I received has an inside measurements are 9 inches width and 5.5 inches in height. I called the company on XX/XX/XXXX at XXXX Pacific time and asked the owner XXXX to see if I can return the cases. She refused to accept the return of the cases and offer for exchange. She told me that I will need to pay for the return shipping gees plus 25 % re-stocking fees plus the shipping fees of the exchange cases. I feel like Ive been scammed by this company, therefore I reach out to my bank which is Navy Federal Credit Union to ask for help with a high hope that I will get my money back. Ive been patiently waiting and provided all the evidence to support my claim. However, I received a respond letter from Navy Federal Credit Union stated Based on our investigation and the documentation presented, we have determined that no billing error occurred. They also asked me to reach out to the XXXX XXXX XXXX if Navy Federal CU couldnt get the money back. Im not understanding why should XXXX XXXX XXXX get involved in this situation. First of all, I never say that this is a billing error, Im disputing the amount on my credit card. Second, when I called and spoke to the supervisor name XXXX from Navy Federal Credit Union, she asked me to read the letter I received in the mail back to her because she doesnt have the copy of this letter. Im surprised that they send out letter to customer and doesnt keep a copy of this letter on their record. I also sent a certify mail letter to the company CEO XXXX XXXX but I have not receive any respond from her. The amount of {$460.00} is not a small amount. Ive work hard to earn this money and the company XXXX is ripping off their customer by purposely sending the wrong size cases and refused to accept my offer for return ( attached is the proof of the email received from this company refused my return package ). I reach out to you with a high hope that you can help me get my money back. My cellphone number is : XXXX and my email address is : XXXX. Thank you for your time, XXXX XXXX XXXX | ||||||
| 09/21/2023 | Yes |
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Web | Servicemember |
| NFCU XXXX XXXX XXXX XXXX XXXX - Discovered in XX/XX/XXXX during the gathering of financial documents and analysis for filing for divorce - NFCU initially advised me that I am an Authorized User ( AU ) ; Primary Acct Card Holder was aware then that I knew I was on the account as documented in divorce petition - I received a credit monitoring notification in XXXX and saw that this cc was on my credit report ; Lawyer tells me if an AU, it should not show up in my CR XXXX I call NFCU to remove me as AU, but NFCU rep confirms I was added as Co-applicant on XX/XX/XXXX. NFCU also confirm my card ending XXXX was never activated, therefore never used ; Primary Acct Card Holder confirms he added me without my consent ( documented evidence with NFCU and directly to me- furnish email correspondence ) XXXX Told the Primary Acct Card Holder to request to remove me and if denied i told him i was going to report Fraud XXXX Primary Acct Card Holder provided a snapshot photo of the request form to remove me, advised it would take 5-7 business days XXXX i called NFCU as i still saw the cc account on my app, they confirmed receiving the request form on XX/XX/XXXX, however Primary Acct Card Holder request was denied the same day on XX/XX/XXXX XXXX sent message to Primary Acct Card Holder giving him one week to be creative in removing me ( pay off and request again to remove me ), even recommended he apply for balance xfr or ask family/friends to help him then request removing me again. XXXX Primary Acct Card Holder indicates he submitted a 2nd request to remove me XXXX saw the cc account in my app still, sent Primary Acct Card Holder a reminder message that I was calling fraud XXXX. He advised that he called NFCU to speak w/ a supervisor about other options XXXX called NFCU to report fraud XXXX adding me as co-applicant without my consent ; NFCU rep indicates that Primary Acct Card Holder submitted the 2nd request on XX/XX/XXXX and denied on XX/XX/XXXX. Rep reviewed notes on Primary Acct Card Holder recent calls and admitted adding me without my consent ( twice documented on separate calls into NFCU ). Rep confirms that his request to remove me was based on pulling his credit report and his XXXX does not qualify him to be responsible for the debt alone ( $ XXXX ). Rep advised to move forward with fraud as my credit has been compromised. Fraud claim submitted XXXX and was advised that my side of the cc account had been closed and it was removed from my profile. XXXX I checked my NFCU app and saw that the Credit Card account was in my profile again. I called NFCU and they indicated that the investigation was complete and consent was verified and card remains open for use. However, if we are both indicating I was added without my consent, what exactly did NFCU verify? Also since its been over 7years, NFCU indicated they discard records ( phone and paper records ). Furthermore, in XXXX they confirm that the process to add a co-applicant was acceptable over the phone which they do not exercise that process today due the same issue I am going through now. As this Primary Acct Card Holder is my ex-husband, he had access to my information and must have had another female impersonate me or the NFCU rep over the phone taking the application did not follow protocol to verify who he/she was speaking to. This NFCU XXXX XXXX XXXX card is maxed out to $ XXXX and I do not want to be responsible for the debt. Primary Acct Card Holder admits adding me without my consent not only to me but to NFCU ( documented in account notes and email ). While he has attempted to remove me, NFCU denied his request as he can not support the debt based on credit reporting and income. NFCU can not provide any proof of this application ( or phone recording ) as it is >7 years, yet they have deemed the case as verified and valid and left the account open for active use to this day. | ||||||
| 08/28/2022 | Yes |
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Web | Servicemember |
| I have attached NFCU last response to this important matter. Unfortunately I have still not received any validation that I am responsible for paying the alleged debt. My cooperation in making payments or setting up a payment plan is not an admission that I am in fact responsible for paying it. I am glad to hear you admit that you gave my information to Conserve in order to collect the alleged debt, but I'm sure you know this constitutes as identity theft as I did not authorize Conserve to have access to my information nor did I authorize XXXX XXXX to give it to them in order to contact me. I never gave written consent for Conserve to call me or collect a debt from me pursuant to 15USC 1692C this is illegal. Whenever conserved called me they asked me to confirm personally identifiable information, so how could they have known my information unless NFCU gave it to them? Under the Gramm-Leech-Bliley Act you can not give any of my information to any 3rd Party without my express consent. Under this act, you also never gave me an option to optout of you reporting information about me or this alleged debt to the CRAs. You are supposed to give an option to optin as well as optout of the sharing of this information. Neither option was provided it was simply assumed by you. Please Cease and Desist all collection activity on this alleged Debt until I receive validation Pursuant to 15USC 1692G. This Cease and Desist of the debt includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. And it does not cover communications unrelated to the debt. I simply want validation from the debt collector that the debt actually belongs to me. Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account. 6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not | ||||||
| 03/08/2023 | Yes |
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| I have been calling NAVY FEDERAL CREDIT UNION since XXXX attempting to speak to the securities department so that I can have access to my account be restored to me. After about the 7th time calling I finally got someone from the XXXX XXXX XXXX to speak with me. His name was XXXX XXXX XXXX and he called me from the number XXXX. When I answered Fiduciary Agent XXXX of the night securities team lied on me and told me that I am harassing NAVY FEDERAL CREDIT UNION then threatened to block me from calling if I continued to call the company seeking assistance for this matter. That is a defamation of character and a deprivation of my federally protected rights as a federally protected consumer. Then XXXX Hung Up on Me without trying to assist me. I CALLED BACK and was transferred back to XXXX the night securities fiduciary agent again. I explained to him that I filed a complaint with the FTC complaint number # XXXX and that I am attempting to handle business with NAVY FEDERAL CREDIT UNION the CORPORATION. I tried to explain to him that I called NAVY FEDERAL CREDIT UNION because my account has been flagged for suspicious activity wrongfully and that the fiduciary agents of the securities team did not obtain permission from me to act as my guardian and that I need access to my account restored immediately. He TOLD ME THAT I AM NOT TRYING TO HANDLE BUSINESS even though I explained earlier to other fiduciary agents that I NEED MY ACCOUNT TO BE RESTORED IMMEDIATELY SO I CAN COMMENCE TO HANDLE BUSINESS ONLINE AND CHECK MY ACCOUNTS AND SEE WHAT TOOLS I CAN USE ON THE NAVY FEDERAL CREDIT UNION ONLINE BANKING APP THAT WILL GIVE ME THE ABILITY OF MAKING SMART DECISIONS WITH MY NEWLY ACQUIRED FUNDS. Instead of helping me he OBSCENELY hung up the phone again on me. Causing great mental anguish, anxiety and many other actual damages. All are equal under the law. In commerce, truth is sovereign. A matter must be expressed to be resolved. I can not sign away my rights. The Federal Government did not create guidelines for corporations to abide by. The Federal Government created Codes and Statutes that are based on the LAW which must be adhered to. The Official Misconduct of the fiduciary agents of NAVY FEDERAL CREDIT UNION have caused me many actual damages. Deceptis, non decipientibus, jura subveniunt. THE LAWS HELP PERSONS WHO ARE DECEIVED, NOT THOSE DECEIVING. As beneficiary of the XXXX XXXX XXXX, Estate I have not received any benefit from the actions of the Fiduciary agents and demand to be treated with respect. There is abundant evidence that NAVY FEDERAL CREDIT UNIONs FIDUCIARIES have ill will towards me and have knowingly and willingly discriminated against me because of my race and financial status. PLEASE HELP. Note 1 : I, XXXX : Small, Beneficiary wrote this complaint and the affidavit of truth and facts and the complaint to the FTC MYSELF XXXX I am of the age of Majority and not a minor. Note 2 : With this complaint I will also attached the Affidavit of Truth and Facts which covers the subjects of Credit Cards, Credit Instruments, Commercial Instruments, Creditors, Card Holders, Original Creditor, Original Card Holder and my complaint that I filed with the FTC. Note 3 : I opened my bank account without prejudice, with honor, in good faith, and with clean hands. Note 4 : I have provided proof of the lawful commercial instrument that has been created by XXXX XXXX XXXX XXXX Beneficiary and payed to the order of me Note 5 : I have provided proof of the lawful commercial instrument that I created and paid to the order of XXXX XXXX XXXX, Beneficiary . Note 6 : I already sent NAVY FEDERAL CREDIT UNION the affidavit of truth and facts supporting my acts notarized, dated with a time, autographed with my beneficiary signature, stamped with executor 's seal, and with a witness signature via Certified Return Receipt Mail XXXX XXXX | ||||||
| 09/15/2022 | Yes |
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| To Whom it may concern, After becoming XXXX and causing a large reduction in my work works hours I experienced some difficulty paying bills. I was less than 16 days past paying my credit VISA account XXXX. I get every other day deposits from my business ( which is also with Navy Federal ), I was a little short of paying the full bill and I had already spoken to Navy Federal about being short, so I was going to wait for a few more additional days before paying the minimum payment. Before I could pay it myself, the system automatically paid my bill for the account ending in XXXX with the available balance ; which was {$110.00} at the time. It was involuntary. When I selected that credit card, the system shows a balance of {$0.00} due. I was not able to make any further payments toward the minimum amount due after the system made a payment on my behalf. My account no longer had that message preventing me from checking my account right away and I was no longer seeing the past due notice on any of my accounts. Within the 30 days allotted before negative payments are reported to the credit bureaus, I ended up transferring money from my business account to my personal account to pay for all of my bills with Navy Federal in XXXX and then following and doing the same and paying in XXXX. When the system made a payment for me, it didnt notify me that a payment was made on my behalf, so I had no reasonable reason to call at the time to see if something had been settled correctly because the system showed that it had. I sat on the phone for hours with Representatives trying to figure out what had happened. My account no longer had that message preventing me from checking my account right away and I was no longer seeing the past due notice on any of my accounts. Unbeknownst to me, there was an {$11.00} balance that was transferred from XXXX 's minimum payment due to XXXX minimum payment. It was a consequence of the systems involuntary payment on my behalf. The communication I did receive about my account being past due was not specific about which account. I had to file a claim about a purchase on my business account which left my account in the negative. I had been receiving phone calls about it for the previous past week. My code word for both personal and business is the same. When I verified myself, and when the agent wasnt clear about which account he was calling about, I thought he was referring to the issues with my business account. In I replied that I get it every other day deposits and the account would be back in good standing in a day or so. Which my checking account was, but not my credit card ending in XXXX ( which I still had no knowledge of being 30 days late at this time ). Just recently the {$11.00} was reflected on my credit report as a derogatory late payment. My credit score has dropped XXXX points. I have not had any late payments past 30 days with you all before. I believe that this is a small misunderstanding and a mix-up and a system error on NAVY FEDERALS behalf . If Navy Federal has a system set up to make involuntary payments on consumers ' behalf, Navy Federal should also have a protocol and system set up to also ensure that consumers are clear and aware when it happens if there is a balance left over, when exactly the payment will be made so consumers can be aware of it and also provide a clear way for consumer 's to pay the remaining balance that the system leaves behind. This is a clear credit reporting ERROR that resulted from the involuntary system and I am asking if you all will submit information to the credit bureaus in an effort to remove the delinquency that resulted from an error caused by your system. I have not been more than 30 days later previously and this is incorrect information that Navy Federal is reporting this information to the credit bureaus with no regard of their consumers rights. | ||||||
| 04/17/2015 | Yes |
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| In XXXX XXXX, I purchased my first vehicle after graduating college in XXXX XXXX with a XXXX. It was a XXXX XXXX XXXX XXXX Ford Fusion that I had custom ordered. Originally I financed the vehicle through XXXX XXXX XXXX XXXX. Later I discovered an opportunity to not only save with a lower interest rate, but to also move my auto loan to a credit union I recently joined ( XXXX XXXX ) and had very high expectations for. In XXXX XXXX, I refinanced my new vehicle with the Navy Federal Credit Union. Unfortunately, five months later the car was struck by someone having a XXXX on the highway after I left work and was totaled. The day after the accident, after I filed a claim with my insurance, I called NFCU to inform them that the vehicle was totaled. The NFCU rep continuously asked about GAP Insurance during the called and stated that I would be responsible for any balance the insurance did not cover if I did n't have GAP insurance. I was flabbergasted. Firstly, I did n't know what GAP insurance was. Secondly, I did n't have GAP insurance. Thirdly, I was baffled that a financial institution could legally force a consumer to make payments on a vehicle that was totaled after already receiving the cash value of the vehicle from the insurance, even if the accident was at no fault of the consumer. I made every payment on time, often paying early and much more than the minimum payment. So I could n't comprehend still owing a balance on the loan after the insurance paid for the vehicle. After negotiating a settlement about with my insurance for months and keeping the loan in good standing during the process, XXXX was ready to make payment. However, NFCU was not in a position to receive payment as NFCU did not add themselves as a lien holder on the title after they received it nor did NFCU notify me of this situation. NFCU representative continuously made excuses for the cause of the title not being handled properly then later threaten to send the account to collections after I refused to make additional payment on the loan once XXXX was ready to make payment. NFCU did not follow their own SOP and failed to notify me that action was needed once they received the title. This failure from NFCU to follow procedure caused a delay in payment from XXXX. Since NFCU was the cause of the delay of payment the account should have been considered in good standing until NFCU corrected their error. Subsequently, after a month the situation was rectified and XXXX made payment to NFCU. The remaining balance on the loan was {$2800.00} with repayment term of 1.99 % for 67 months. I was still dejected about paying for a vehicle that was totaled in a no-fault accident, but I accepted the situation and was willing to continue making payments for the remainder of the loan. I expected to make a reasonable monthly payment through the life of the loan. However I was again astonished by NFCU 's attempt to change the term of the loan and force an early payoff. NFCU is demanding a monthly payment of {$480.00} or that I take out a personal loan at around 10 % APR to pay off the loan ASAP. In summary, my XXXX complaints with NFCU are as follows : 1. NFCU did not provide sufficient information about the risk involved to make an informed decision about GAP insurance. GAP insurance was offered one time during the application process, along with other add-ons, and not offered again after approval. 2. NFCU refused to admit fault in delaying settlement payment by not properly following procedure to have NFCU added as a lien holder on the title. 3. NFCU is attempting to change the terms of the consumer loan, by demanding a much higher than minimum payment and ultimately demanding an early payoff. Overall, I joined the NFCU to be a member of a credit union that behaved differently from the big banks but have been sadly disappointed by the behavior and actions of NFCU | ||||||
| 07/29/2023 | Yes |
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| on XX/XX/2023 i processed with navy federal credit union a credit request for XXXX for a vehicle, they denied the XXXX, and approved me for XXXX, ( application number-XXXX ) I then spoke with an agent at navy federal , and was told to reapply for XXXX, because if i didn't have the XXXX down to put on the vehicle, i wouldn't be able to use the XXXX. I reapplied for XXXX on XX/XX/2023 and was denied, ( application numberXXXX ). i then spoke to a navy federal agent once, again i didn't understand why they approved me for XXXX, and then denied me? the agent told me maybe my denial was due to ( application-XXXX ) being still active and they may have thought i was applying for 2 vehicles. the agent suggested that i have to cancel the first ( application-XXXX ), so i could reapply again. the agent then canceled ( application-XXXX ), she than reapplied for XXXX for me over the phone, and, i was denied again ( application XXXX ) The Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that all consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers also to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX does not and never had my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. | ||||||
| 08/20/2022 | Yes |
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| A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. By definition, the IRS states that one must must report canceled debt as gross income on your tax return even if you don't receive a 1099C Debt is reported on consumer reports NOT income .All canceled debt must be reported as gross income on your tax return even if you don't receive a 1099C ( see IRS guidelines ) The information is in fact inaccurate, I am exercising the right to rectification. The listed account ( s ) NFCU ( AUTO ), XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXXXXXX BANK, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX are reporting inaccurate information. They are depicting a negative image on my report and character and are damaging my lively hood and my ability to obtain credit for both personal and wholesale use. Debt is reported on consumer reports NOT income according to the IRS. The information is in fact inaccurate, the continued reporting of this inaccurate information is a clear act of violation. No interest nor additional fees can be included on consumer reporting BY LAW. This information is inaccurate and is harmful to my livelihood and ability to further obtain future credit lines. I've taken out two auto loans previously with Navy Federal Credit Union back in XXXX of XXXX. The original debt for the first loan was {$29000.00} For the duration of a 60 month term for the XXXX XXXX XXXX. The second vehicle Amount Financed at {$32000.00}. What was originally on my contractual agreement with NFCU was not the same payment start date as agreed upon and the payments for the second vehicle begin to report late payments in XXXX in which was inaccurate because I started the payments for both auto loans on XX/XX/XXXX as an early payment. This damaged my credit history and reputation moving forward to obtain other desired lines of credit both personal and Business lines of Credit as well. In XXXX of XXXX after I contacted the lender NFCU and put them on notice about the matter, my consumer reports were updated with more inaccurate information on these two auto loan accounts with XXXX XXXX. The term months are listed as 61 instead of 60 which was agreed by both parties via epromissory note, Also the interest rates and monthly payments went increase since I hadn't received the titles from the owners to present to NFCU in the time requested by NFCU. Earlier in XXXX and XXXX of XXXX I was contacted by a member/agent from the lender NFCU stating the change that had been made to the two auto loan accounts and that the loan status was being changed from Auto loan status and that the collateral was being removed from the loan, however this was not updated on my consumer reports in XXXX, only the current balance, monthly payments and APR was updated but not the status of the loan. This reporting is inaccurate. NFCU claims they resolved the issues by updated the late payment history in XXXX XXXX and XXXX which originally took points on my consumer reports that was not refurbished back to me. Also the reporting of the XXXX payment history is inaccurate and so is the acceptance of the payment for the second Auto loan since the promissory note clearly states that one can not make the first initial payment 30 days before or prior 30 days prior to the agreed payment start dates which are XX/XX/XXXX for vehicle one and XX/XX/XXXX for vehicle 2 both purchased in the same week of XXXX. The information is in fact inaccurate, I am exercising the right to rectification and I demand the cease and desist of the reporting of this inaccurate information being furnished to cure and remove this Erroneous and inaccurate account from my consumer reports. Thank You | ||||||
| 04/15/2020 | Yes |
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| I work for XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, MD. On XX/XX/XXXX, using my XXXX issued laptop, I opened a checking account online with Navy Federal Credit Union, and subsequently applied for a {$30000.00} personal loan for the purpose of debt consolidation. It's important to note the purpose because it was required on the application. I was approved right away, and the account was immediately funded with the proceeds from that loan. On XX/XX/XXXX or XX/XX/XXXX, I made transactions from the Navy Fed account, to pay my mortgage, 1st Trust, ( XXXX XXXX ) which was in the rear several months. That was done over the phone with an agent of XXXX XXXX. One was online ( 2nd Trust ) with the same mortgage company. The 1st Trust transaction went through. The 2nd Trust was blocked, I'd find that out later though. I also paid off a XXXX XXXX loan via my XXXX XXXX mobile app, using the proceeds from the Navy Fed Debt Consolidation loan. On XX/XX/XXXX I downloaded the Navy Fed mobile app to my XXXX XXXX. On XX/XX/XXXX My account was restricted. I could no longer access my Navy Fed account from computer or mobile device. When I called, XXXX in Navy Fed 's security team said " There has been a device used to access your account, that has been flagged as a fraudulent device used in the past to attempt to defraud Navy Federal ''. He asked me to confirm a few of the transactions. I did. Then he asked about the XXXX device I used ... if it was mine. I confirmed. He then continued that " It's that XXXX device that has been flagged as a fraudulent device ''. He went on to include that my laptop I used to open the account was a " flagged fraudulent device '' as well. He concluded saying " You can no longer do business with Navy Federal since you confirmed that bot devices are yours. '' He denied my request to speak to a manager/supervisor. He advised me to submit an appeal via their appeals process. I immediately did. It's extremely important to note here that this is Navy Fed 's initial reason for restricting my account. The reasoning changes twice as I pursue answers to my questions. In the appeal, I sited that the XXXX laptop was issued to me in early XXXX, and I purchased the XXXX around the same time in XXXX, and both devices have been in my possession since. I provided a receipt from XXXX. I went to the XXXX, MD Navy Fed Branch office to speak to someone in authority. Instead I spoke to a rep named XXXX who got more information. He said he spoke to the Security Team and they gave him more detail. This time they said it WAS NOT my phone that was the issue, but rather " The hardware ID of my computer used to access the account is a known device that has been used in the past to attempt to defraud Navy Federal ''. He went on to say that while the account was restricted and the appeal was under investigation, I would not be able to access the account, nor the funds of the loan because " it's not like it's your money anyway ''. Two weeks into the investigation, I received an email from Navy Fed 's Security Appeals Team stating " In view of the unsatisfactory manner in which you maintained your previous account ( s ), we are unable to remove the restriction at this time ''. That's their 3rd explanation ... .not my XXXX ( 1 ), not my PC ( 2 ), not even fraud, but now unsatisfactory management of my previous accounts ( 3 ). I've never had any previous accounts with Navy Federal. Navy Federal has my FICO Score, Credit History/Report, Social Security Number, Residence History of over 20 years, Work History of the same length of time, yet they're accusing me of something I have no knowledge of. In conclusion, Navy Fed is in violation of my loan agreement. I have a loan on my credit report now that I no longer have access to the funds, nor can I make payments on, for reasons that have not been made transparent to me. | ||||||
| 01/11/2017 | Yes |
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| To whom it may concern ; I am writing in regards to a checking line of credit ( XXXX ) account # ending in ( XXXX ). For the past right under two months until yesterday, XXXX XXXX, XXXX, I have had no access to any of my account via online. I have also not received any statements or any other collateral via the mail with the exception of a letter that was dated XXXX, XXXX, XXXX from XXXX XXXX, VP of XXXX of which I will attach to this complaint. Prior to my XXXX statement when the account was under the existing credit line of $ XXXX, I had multiple identity theft issues with my checking and credit cards with Navy Fed amongst other creditors as well. The reason for my writing is that I have made approximately 13 calls over the past 30+ days requesting for my online access to be blocked or at the very least for someone to send me something in writing concerning my accounts so that I could make the necessary monthly payments accordingly. Until yesterday morning, I had not had any access nor any ability to make payments on this account in question. My minimum monthly payment went from $ XXXX to an estimated {$2900.00} over the course of the past 46 days. The difference is in the overage of my credit limit because a payment that was made by me came back which in turn increased by balance by an additional {$2000.00}. I have multiple issues that I am concerned with from both an ethical and legal standpoint. Firstly, I have tried on multiple occasions via phone calls to the collections, customer service and consumer lending departments to make my minimum payments on this line of credit. While I have been told a plethora of conflicting and inconsistent data concerning this account and the " amounts owed '', the one constant that I have been told is that I am unable to make a payment over the phone and that I can not make a payment less than the now $ XXXX without continuing to harm my credit. Just this month, Navy federal reported to the ( XXXX ) credit bureaus that I am now 30+ days late which has finally instigated my filing this complaint. Yesterday, after speaking with the consumer lending department on the phone, I decide to go in to a local branch in hopes that they can help me understand and subsequently can show me proof where I am required to pay the entire overage on my account in addition to any late fess and interest. I met with, XXXX XXXX, Branch Manager at the XXXX, CA location for over two hours. She proceeded to pull up the document, make several phone calls to find where in the documents I signed does it show that a consumer is required to pay the entire overage of the checking line of credit. What she came to realize is that it does not state that we are required to pay the full amount, but clearly does state on line # XXXX of the disclosure that I am to pay a minimum of 2 % or {$20.00} of the total amount owed at that time whichever is the greater amount. It also states as a side note that the consumer is to pay " whatever shows on the periodic statement '' as the minimum payment. So, the last statement on the disclosure is illegal. To date, no one has been able to confirm either verbally or in writing exactly what my minimum payment should be in order to not be " late ''. Here are my concerns ; 1. How am I to pay anything when I do n't have access in any capacity to my account? 2. I have requested plenty of times to have something mailed to me so that I can see what it is I am paying, etc. to no avail until yesterday via the branch office. 3. How can you report a 30 day late under these aforementioned circumstances? 4. I have the legal right to see where in states in writing that I am required to pay any overage of my credit limit or what you as a credit union deem appropriate. 5. The investigator handling my account has never attempted to call me. I am a consumer that has rights. XXXX XXXX | ||||||
| 05/11/2015 | Yes |
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| I am a member of the Navy Federal Credit Union and I am a very unhappy customer. I opened up an account in 2013 and received checks to transfer my credit card balances over to my Navy Federal Credit card. I then received an email stating that I could transfer my credit card balances to this credit card at a 0 % interest rate. I thought this would be a great idea so I called and asked how to use the checks the representative stated she could take my credit cards and balances over the phone. I specifically ask her if the 0 % interest balance transfer offer was still in effect. This representative told me yes so I proceeded to continue giving her my XXXX credit card balances. I did not check my Navy Federal account until several months later and noticed that the credit cards I transferred over were receiving a 12.99 % interest and not the 0 % interest rate. I immediately contact Navy Federal maybe 6 to 7 months later to hear several excuses why my credit cards were not in the 0 % interest program. Since then I have contacted the Navy Federal credit card department on numerous occasions trying to reach some time of resolution to this matter. I have received XXXX different reasons why I did not receive the 0 % interest rate. The first excuse was that the promotion was not going on when I transferred my credit cards, the second one was I missed the promotion by a month. The third reason I received was that promotion was for customers that did not have a credit card with Navy Federal so I talked with a supervisor by the name of XXXX and she stated she would look into this matter and maybe XXXX could be taken off of my account which will show interest paid for one year. I never heard back from her so I have been hostile every since. What type of manager would tell a consumer in distress something like this and never follow up with them. I then contacted the message email and the fourth reason/excuse I received was that this promotion never existed. The last reason on XX/XX/XXXX was that there was no information to and it feels like I have been going around in a whirlpool. I do not see why I am being penalized for the huge mistake the representative made that took my credit cards and transferred them to this account. How could someone working for Navy Federal credit union be untrained or informed enough to tell me that I was not eligible for the transfer of my credit cards at 0 % interest or was this a trap hoping that I would not investigate more which I did not. I assumed I was out of the clear and I only had XXXX credit card to worry about. Instead I have put into a trap with XXXX different interest rates XXXX for purchases, XXXX for transfers of cards and then another for cash advances. I was truly informed by the representative that transferred my credit cards over, that the 0 % interest promotion was still going on. I am sure you can check your phone records from two years ago to determine this conversation took place. Instead of offering a resolution to this matter, I have received numerous excuses why I did not receive this 0 % interest and I am sorry you should have check a long time ago, really that 's really not comforting or professional. It seems like this credit union does not care for their customers. Once they trap the consumer they just keep them attached to XXXX account until they drain them dry. I have never experienced this type of attitude and horrible customer service treatment from any credit company ever before, so I am truly appalled and regret joining the Navy Federal credit union. My main concern is to try to pay this card off for the charges I put on their but not for the mistake made by the credit union. I have been talking with a bunch of rude people and its just unfair, Any resolution to relieve me of feeling like a spider in a web just trapped for life would be greatly appreciated. | ||||||
| 07/27/2023 | Yes |
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| XX/XX/2023 I end up getting a email from my bank that a member was added to my account that I never added to the account. I went on my mobile app to see what was going on and I seen a negative balance of XXXX withdrawn from my account and I didn't have that money in the account. Book with the representative to let them know that I did not add a member to member to my account. And in the process the young lady asked me did I put in for fraud claims on XXXX transaction that was given a provisional credit of {$1900.00}. I told her no those transactions were legit transactions. Found out that fraud would be committed on the account they shut the account down and we opened a new account the new passwords to the account. XX/XX/XXXX the {$1900.00} posted to my new account leaving my account a negative {$1900.00}. I asked them if there was any way because I was having my tax refund sent to the account thinking everything was okay if they could put a stop on it or if it would interfere with the fraud that's going on with my account. The young lady told me that I could try to get the money out at midnight when the money is supposed to post to the account. I was not able to do so my tax refund of {$2800.00} was taken for the negative balance that was left the account for the fraud. I was told numerous times by different bankers through the fraud department that if after 10 business days they weren't able to settle the claim that provisional credit will be given back to my account. I told him that I needed my tax refund because I was behind on my car note and that was my money to pay up my car note. I was even told to file a internet crime complaint with the attorney general. I called the attorney general and told them what was going on they told me to file a claim with XXXX because it covers all three departments which is State Federal and local with the FBI. Uploaded the form with Navy Federal Credit Union. Once again each time that I call to try to get an update on how the account is being handled and what is going on as far as my money I'm being told something different each person that I am speaking with and all I get is I apologize that that person said that to you still with the issue not resolved. XX/XX/XXXX I went into the branch to speak with someone personal the young lady and the young man that was supposed to be a manager went over my account with me and said because I did my due diligent and showing that I did not commit this fraud on account that it would take 15 business days and after that I should be able to receive provisional credit on my account. I waited the XXXX business days and nothing was done I go back to the bank to speak with someone face to face again. The young man I was speaking to halfway looked at my account when he seen that I was getting frustrated he decided to call the fraud department. He did not put the fraud department on speakerphone of who he was speaking with he kept the conversation between him and the other individual he kept making statements that he didn't he didn't understand and he surprised himself. After all was said and done he told me moving forward that if I wanted to reach out to the person that was handling my case because it was given to someone to handle that I will have to message them through my Navy Federal portal. The same day I went into my Navy Federal portal wrote a message hoping that the individual that they claim has my case was going to respond back to me. I get a response back that they are sorry that it is a first come first serve basis and that they do not have any updates for me. I have been lied to numerous times each time that I have called for a month now. I did notify them that I am looking to seek legal confrontation. I was told that I had to inform them that I am looking for a lawyer and then file a complaint and next step will be to sue. | ||||||
| 01/04/2017 | Yes |
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| I am a identity theft victim, i have had accounts opened in my name i have just recently checked my credit report to find an account which was opened without my knowledge fraudulently. I sent Navy Federal Credit Union a Federal Trade Commission identity theft report affidavit and a Identity theft report from my local Police Department on XXXX through certified mail, its arrival date was XXXX and they sent me a letter stating that they would not close and remove this from my credit report due to the fact they did not think it was fraudulently opened, that letter was dated XXXX, there is no way they can conduct a ACCURATE and legitimate fraud investigation in one day. I sent the same letter to the credit reporting agencies and they removed the account from my credit report within 4 days of receiving my certified mail as stated in the FCRA XX/XX/XXXX which i will now site ; ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency -- ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any r | ||||||
| 02/18/2021 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union ( NFCU ) calculated my interest on my credit card under the SCRA benefits incorrectly, by paying off my " balance transfer '' rate '' first with my over the minimum payments, instead of putting the extra amounts toward the current transactions for the months they were made that were being calculated at 14.99 %. In XX/XX/XXXX, I was called to XXXX XXXX with the XXXX. I contacted NFCU that month to let them know about it and request the SCRA benefits. It took them 4 months to finally institute the benefits, despite my calling multiple times to inquire. They stated they were " backlogged '' and they would get to it. Late XX/XX/XXXX, they finally " converted '' my card amounts under SCRA ; however, they did not put the full amount that was owed in XXXX to the 6 %, as the law requires, Instead, they refunded some of the interest I paid but put all the extra monthly over-the-minimum due payment amounts toward the " balance transfer '' interest rate which should have been put to 6 % and all the additional money paid in should have gone to the current monthly charges that I was charging. This means they paid off something that should have been at 6 % before paying off the higher monthly charges that were at 14.99 %. This is a violation of the CARD act, paying a lower interest rate first, and a violation of my SCRA rights that require the entire amount owed on my card at the time of XXXX XXXX to go to 6 %, regardless of whether it was a balance transfer rate, etc. At the time, the balance transfer rate was expired and was at the same rate as purchases, or 14.99 %. In XX/XX/XXXX, I contacted them and explained that I believed this to be the case and asked that they look into it. They did nothing. I contacted them again in XX/XX/XXXX 2 more times and spoke with several people and requested a call from a supervisor, again they did nothing. During this time, I also put in several online messages through their portal, 4 of them, and they did NOT respond to any of them and again did nothing. In XX/XX/XXXX, I talked to someone named XXXX, apparently he was a SCRA supervisor, for 90 minutes and he stated he would go back to the analyst that completed the SCRA calculation transaction to get more information and that he would return my call. He never did. I called again last week and again asked for someone to call me back and again they did nothing. The newest statement showed no change and it's clear they don't want to change it or help me figure this out when it's clear they are in the wrong. They obviously don't care and so I'm filing this complaint with you, the SCRA/DOJ, the credit bureaus and the XXXX. Attached you will find all the statements since I went on XXXX XXXX, as well as a spreadsheet I created that shows what was owed at the time of XXXX XXXX and all the charges and payments made during this timeframe. They paid off one of the 6 % items first, thus now forcing me to pay 14.99 % on items I charged while on XXXX XXXX overseas which should have been paid first. Unlike most cards, they do not lower the rate for current charges while on XXXX XXXX ( like XXXX, XXXX, XXXX ), only those obtained PRIOR to XXXX XXXX ( and apparently don't even want to do that for us! ). The fact they waited to " update '' my account makes me also think they did it on purpose so they could charge me the way they did, which is clearly a violation to the CARD act and the SCRA. It's not about the money, it's about the principle, and it's clear that NFCU doesn't have any principles to help servicemembers when they need it the most. I'm incredibly disappointed and hope you can help me rectify this issue. For any other servicemembers that read this, DON'T USE THE NFCU CREDIT CARDS ON XXXX XXXX. There are many other better options by companies that clearly care about us when we are called up. Thank you. | ||||||
| 03/03/2016 | Yes |
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| Hello, My name is XXXX XXXX and I 'm writing in reference to my Navy Federal Credit Union Visa Card. I contacted NFCU more than one month ago, on XXXX XXXX, XXXX about an erroneous reoccurring charge of {$37.00} to my account for a " Payment Protection Plan ''. The charges are from XX/XX/XXXX-XX/XX/XXXX. I discovered that I was wrongly charged for services I NEVER knowingly agreed to. NFCU 's position is, " I must 've voluntarily opted for the coverage '', I deny that. I applied for this card via online/and confirmed by cell phone from XXXX. This same tactic is a huge moneymaking scheme of large banks and credit card companies, and has resulted in many class action lawsuits. According to XXXX, " If you have a credit card, you 've probably heard the pitch. It comes from a telemarketer, or perhaps from a mailer included with your statement, and warns, " life is unpredictable. '' Prepare for the worst, the pitch goes on to say, by purchasing a plan that will handle your credit card debt if you lose your job, become XXXX or die. What it wo n't tell you is that for years, card issuers have been making fat profits off these payment protection programs while complaints from consumers and activists have piled up. But now, a slew of lawsuits and a federal investigation have put the plans themselves on an unpredictable course. '' According NFCU, " Documentation was provided with the card when it was approved in XXXX of XXXX that outlined the program, detailing the 60 days you have to cancel the service with a full refund. '' But, I 'm XXXX XXXX XXXX XXXX, XXXX at XXXX, XXXX, XXXX. The mail delivery here can be and often is, notoriously slow. It 's documented that mail delivered to XXXX addresses can routinely take up to 60 days for delivery, which would already put me outside of the 60 day-full-refund window. I have never opted for a payment protection plan on any products I 've purchased or financed via NFCU. This coverage is a one-sided payday for NFCU. As a 16 year XXXX Vet, there 's absolutely no benefit for me to have this protection. Given the length of my military service, if I were suddenly unemployed or sick, I 'd receive VA XXXX pay at minimum, plus an XXXX XXXX pension or a large severance payment. Why would n't I be able to cover a minimum payment on a credit card? Furthermore, why would n't I want the same piece of mind for the car note on my brand new XXXX Lexus vehicle, which I financed via NFCU for {$45000.00} to the tune of {$650.00} per month? Why not the same for the {$15000.00} Chrysler 300C that I financed with NFCU around XX/XX/XXXX or the personal loan I financed with them after that? It 's just not logical because it 's not true. I 'm being penalized because I foolishly did n't check my statements, unwittingly giving license for them to steal more than {$1700.00}, by my calculations, for a service I did n't want and had no use for. This is n't an isolated situation and apparently happens to many more hard working Americans, not specifically at the hands of NFCU. Again, according to XXXX, " credit card companies have billed cardholders billions for payment protection and other products that they did n't request or that did n't provide the promised benefits.The lawsuits claim there is no easy way for customers to ask questions, file a claim or cancel the product. '' I 've purchased approximately {$100000.00} in financial products, car loans, personal loans and services since becoming a member in XX/XX/XXXX. I recently paid off my NFCU VISA card w/XXXX of my hard earned money in a lump sum. I pay what I owe. They 've taken food from my daunter 's mouths, I feel violated. They have enormous financial assets and should n't prey upon hard working Americans, especially those in uniform. Without us, they cease to exist. I humbly ask for exception to policy and a full refund of approx {$1700.00} | ||||||
| 06/04/2016 | Yes |
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| On XXXX XXXX, XXXX I submitted an application for an auto loan from Navy Federal Credit Union. I added my husband as the co-signer. I am the XXXX for my husband who is XXXX and also a XXXX Veteran. I sent in the general power of attorney and his pay documents as I am responsible for all our finances as his POA. Once the document were uploaded. I received a call on XXXX XXXX, XXXX at XXXX. This was a request for me to bring the POA into the branch with his identification. I asked how long would I have to take it in and was told within the next 14 days. I said I would come in on XXXX XXXX, because I could not get there on the following day which was XXXX XXXX, XXXX. I was told the loan was still pending until the documents could be review that I needed to bring in. On XXXX XXXX, I went into the branch and presented the documents. I was told they could not be used. I asked to speak to the Branch Manager, ( XXXX XXXX I was told the POA could not be used by someone who said they were in the Office XXXX. I asked that they read the Virginia State XXXX XXXX XXXX. XXXX understand that I did have a valid POA. I asked the person who said she was in the XXXX if she was an attorney? She said no. I asked if she was a paralegal and her answer was still no? I asked how could she interpret the rule of law? By this time I am very up and humiliated. I left the NFC and went home. When I got home I looked up the code and I also found the Virginia 's Version XXXX Act ( the " Act '' ) ( XXXX ) which clearly states that the Act does not affect the validity of any pre-existing POA executed under prior Virginia Law. The Act states that a POA is durable unless it expressly states otherwise. My husband 's POA was a durable POA because of the language of his incapacity which stated it would still be valid. Additionally I was told that the POA had to state specifically that I would be allowed to purchase an auto. I stated it general which is broad and that it listed financial instrument. A document ( such as a check, draft, bond, share, bill of exchange, futures or options contract ) that has a monetary value or represents a legally enforceable ( binding ) agreement between XXXX or more parties regarding a right to payment of money is a financial instrument. See also debt instrument, equity instrument, and financing instrument. Additionally the Act states a photo copy of the POA is to be treated as the original. The " Act '' states that I had 7 days to present documentation which I did. The bigger problem I had was the fact that I was made to feel humiliated because I have and will continue to represent my husband in good faith. But it was as if I was a criminal trying to take advantage of my husband who I have provided the best of care and made sure our finances are well taken care. My husband 's wishes were for me to take care of our family if he could not do so. What gives anyone else the right to do so when he was in sound mind when he made the POA. Even more disturbing I learned on the eve of XXXX XXXX, that the request for credit was supposedly turned down for excessive credit obligations. But why request additional documentation? I have also learned that a complaint was filed by an employee with the XXXX and XXXX Agencies by a disgruntle employee that was terminated for insubordination and because she gave my husband XXXX when she was not a nurse in my absent. This person is also filing complaints with other agencies. But if the loan was denied for other reasons I still have a right to know and not be made to be a criminal because I was protecting my husband from someone who could have killed or injured him because she was not to give my husband XXXX. I feel I have been discriminated against and possibly denied due process with this application. It is still showing under review on NFCU website. But I 'm told denied! | ||||||
| 03/20/2017 | Yes |
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Web | Servicemember |
| I had a short sale in XX/XX/2016 and had issues with XXXX XXXX and the Navy Federal Credit Union. XXXX XXXX ( 1st Lien ) would not modify my loan because they wanted me to physically live in it, even with my family there. I was XXXX hours away from my home at the time and I could n't afford paying for XXXX residencies. Initially they approved a repayment plan which added {$800.00} to the mortgage amount I already could n't afford and refused to extend payment period. They would not review my application when I had a medical condition/ impending job loss. Eventually they agreed to a short sale, but had me sign paperwork they get all sales proceeds even if it exceeded what they were owed. There was over $ 25K extra left at closing, they would not cover my out of pocket sales expenses and would not payoff a subordinate lender NFCU. I was later informed they could have allowed a traditional sale. Service members are not always treated fairly by lender. They hide under the law that says you have to physically live in your home to get most assistance. We are often stationed away from our homes and ca n't be there and our duty stations at the same time. Also, the SCRA only provides for those who had loans/debts prior to XXXX. Most service members join from high school/colleges and often do n't own cars let alone homes -- 6 % is no longer a good rate either. Navy Federal Credit Union ( NFCU ), the nightmare continues. XXXX XXXX denied them payment because they did not place a lien on the property. Almost one year after closing, they still report this to the credit bureau as delinquent mortgage ( without lien ) and they show it as both foreclosure and delinquent for over 280 days, all at the same time. NFCU gave me the hardest time approving my short sale request, from having to notarize 3rd party agreement which NFCU would not even notarize in the state of Maryland, to their short sale Rep calling me a liar and would not accept the amount on my expense sheet until it met their accepted limit. The Rep questioned me on everything, like " why do I have medical bills outside of the military ; how I could justify dropping my child off at nearby day cares without receipts ; and alluding I was lying about how many doctors ' visits I had at XXXX XXXX. On a phone conversation, she said her husband was in the military and she knew when service members where not being forthright. I 've attached some emails to show my level of frustration. They also collected payments from any of my account that had cash without my consent and caused me more hardship as taking these unauthorized payments left me with no funds to pay other bills. When I called them out, they said I signed a paperwork allowing them to go into any of my accounts for payments, I DID NOT. I asked them for a copy of the paperwork, they could not provide it. They later said it was a notice they sent out. They have a big access-restricting notice on my account stating that my loan is delinquent and every time I go to the bank, the cashiers have to get managers to override this embarrassing notice before I can get service. NFCU wants me to take on the no-lien mortgage as a personal loan to which I refused because : they did not do their due diligence ; I 'm XXXX and do n't have the resource to carry a long term loan, which is why I 'm liquidating my assets ; this is double jeopardy considering I took a hit on my credit for the short sale and still have to bear delinquency on the same property that was sold since XX/XX/2016. NFCU does this to service members. I know a XXXX who still carries about $ 40K debt they forced him to take as personal loan on a property he sold about 10 years ago. They threaten us and tell us they have family in service. This is not fair to us. With the name Navy Federal, you think they have your back, my experience shows they don ' | ||||||
| 07/26/2016 | Yes |
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| On XXXX/XXXX/2016 I visited navy federal to see if I could apply for a loan. I spoke with rep at the branch XXXX and I advised her my score was XXXX but since I been on XXXX my credit score has decreased.Then she said then you may not get approved I asked her after 15 years of banking with your company there 's nothing you can do she said no. Then as I explained my situation she said he has referred a lot of members to some company call XXXX XXXX but could n't remember the exact name. I started searching for the website and multiple websites popped up.So I applied for a loan and on XXXX/XXXX/16 I received an email saying I was pr approved for XXXX but I only needed XXXX. The email I received says XXXX XXXX then there after I received a phone call from XXXX saying that I was approved they asked what was my hardship and then the stated to prove my identity and tat the account belongs to me they would have to do a test and deposit $ XXXX {$2000.00} and one I receive to send it right back then I would have the funds I applied for within an hour.The same day I received an alert that I have {$200.00} so I go to the ATM and withdraw the cash and then someone name XXXX called and said you will receive the funds at midnight. So I called the branch to see if there was anything showing suspicious on my account rep XXXX said no I then told her I received a call from a company saying I was approved for XXXX and there calling from XXXX XXXX CA I asked could she call them to make sure that was the company name. Rep attempted to to call but said she was not able to make outbound calls.So XXXX/XXXX/16 I received an email from NFCU saying deposit received then an hour later next email said deposit approved. So at that very moment I felt like it was legit.I ask the loan company how was I to send there money back he said go to XXXX and purchase XXXX cards and I purchased all they had totaling up to XXXX. I was asked to email the info on the back of the card.Then loan company asked where is the remainder I told him I have to go to another store to get the rest so I did. I then asked when will I receive my deposit he said he would call me back in 30 min.I set there for almost an hour at my bank. so then I called them and then XXXX stated XXXX needed an additional {$450.00} for insurance I told him I did n't have any funds so after that conversation I heard nothing from loan company. So called navy federal on XXXX/XXXX/16 telling them to close account because I felt something was n't right and explained the situation.Called NFCU on XXXX after they close previous account and learned that a fraudulent check XXXX check for XXXX was deposited and caused my account to be negative I told the rep XXXX I never deposit a check and I ask him can he email me copy of the check at this point I 'm LIVID! so the rep said mam looks like a scam. At the same time my XXXX check was pending so I asked another rep was account ok he replied yes. So when my XXXX check deposit NFCU applied my XXXX check to the negative balance of XXXX. I went to the branch upset angry and frustrated. I spoke with a rep name XXXX and she tried her best to get my XXXX check back to me but then out of no where XXXX XXXX the assistant mgr walks in the office looks at the screen and says mam there 's nothing we can do at the this point I became very irate because XXXX XXXX accused me of depositing I check I never see nor sign. I explained to the XXXX mgr mam I have to take my meds for high bp and my son that has XXXX and needs his XXXX. I stressed to asst mgr I have to pay my rent she said I had to wait 10 days.Then I became very irate and said mam this is so unfair how am I gon na pay my bills and feed my children .Asst mgr never apologized or showed any sympathy. Officer XXXX walked in the office and ask did I want to file a police report I said YES! mm for XXXX yr | ||||||
| 05/25/2016 | Yes |
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Web | Servicemember |
| navy federal credit union has continually to violate federal and state guidelines and statues Ive had several conversations with members of navy federal credit union customer resolution dept as well as branch managers about account numbers that i had no idea existed that was showing on my credit report which could not be found in there reporting or book keeping systems after several complaints nothing has been done to rectify the issue on XXXX XXXX XXXX XXXX nc police dept did a investigation at the branch located on XXXX XXXX in XXXX nc. conclusion of that investigation concluded that navy federal credit union committed wire fraud by reporting account information that was not in there systems and re-reporting those accounts to a credit reporting agency. not only but not limited to navy federal credit union also. stated the accounts where in charge off without sending out any billing statements or letters stating repossessions and account charge offs by the statues of limitation to correct any wrong information. before the accounts where charge off. after pointing out the mistakes and violations under the federal law Navy Federal collection team continued to violate the law by blocking all access to branches as well as phone communications. XXXX in there customer resolution department stated that the accounts should have not been reported. as well as XXXX XXXX of the XXXX branch told law enforcement that the accounts are not in there system and she did n't know why they would refer me to come to a branch. also after law enforcement told them to remove the information within four days for the accounts being fraudulently placed. which is a federal guideline under the dood frank act as well as the FCRA. Also i received a letter addressed from XXXX XXXX which is the senior vice president of collections stating that i caused fellow members to lose shares and money from the credit union without proving that i caused these adverse conditions against other members accusing me of a crime. When in fact the account numbers that they are reporting are not even account numbers that have. After repeated attempts to reach out to XXXX XXXX XXXX the XXXX of collections of the credit union was told that i would not ever be able to speak with him. At no point in time in there communications did navy federal ever communicate that these where attempts to collect a debt and any information will be used for those purposes. After asking on several attempts for information referring to any charge off accounts on the dates there where charge off. and any information they could provide showing me the collection attempts before being charge off to show where i refused to remit payments under the accounts they stated they charge off. Also the account numbers listed on my credit report show cause of where i agreed to any type of collections or contracts under the account numbers currently reporting under my credit file. Section XXXX under the FDCPA LAW it states that FALSE OR MISLEADING REPRESENTATION OR MEANS IN CONNECTION WITH THE COLLECTION OF ANY DEBT.WITHOUT LIMITING THE GENERAL APPLICATION OF THE FOREGOING THE FOLLOWING CONDUCT IS A VIOLATION OF THIS SECTION. ( XXXX ) THE FALSE REPRESENTATION OF ( a ) THE CHARACTER, AMOUNT, OR LEGAL STATUS OF ANY DEBT. ( XXXX ) THE FALSE REPRESENTATION OR IMPLICATION THAT THE CONSUMER COMMITTED ANY CRIME OR OTHER CONDUCT IN ORDER TO TO DISGRACE THE CONSUMER. ( XXXX ) THE USE OF ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COLLECT OR ATTEMPT TO COLLECT ANY DEBT OR TO OBTAIN INFORMATION CONCERNING A CONSUMER. ( XXXX ) THE USE OF ANY BUSINESS, COMPANY, OR ORGANIZATION NAME OTHER THAN THE TRUE NAME OF THE DEBT COLLECTORS BUSINESS, COMPANY OR ORGANIZATION. ALSO ON THE SECURITY AGREEMENTS OR CONTRACTS SIGN THERE IS NO MENTION THAT NAVY FEDERAL COULD REPORT ANY INFORMATION TO THIRD PARTIES. | ||||||
| 06/20/2022 | Yes |
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| In accordance with the Fair Credit Reporting act reporting of this account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I want to apply these laws and exercise my rights. Please delete these accounts. Please send me a 1099 form and delete this account It is further agreed that NFCU shall take all steps necessary to ensure that no credit report or credit reference that is unfavorable or that may be construed unfavorably to XXXX XXXX XXXX shall be made by it or by any consumer reporting agency with regard to any debts or claims as between NFCU and XXXX XXXX. Without limiting the effect of the foregoing obligation, NFCU shall also within ten days hereof send notice [ in writing or electronically or both ] to each consumer reporting agency to which NFCU has reported any information about XXXX XXXX XXXX, deleting from their files all references to the [ alleged ] debt which is the subject of this settlement agreement. To that end, NFCU shall submit a XXXX XXXX form coded with DA ( delete account ) [ and/or ] a Universal Data Form with the Delete Tradeline option box checked to each consumer reporting agency to which NFCU has reported any information about XXXX XXXX XXXX XXXX Prior to any execution of any release of claims by XXXX XXXX XXXX, shall submit to counsel for XXXX XXXX XXXX clear and complete copies of these forms ( with NFCUs subscriber/password code redacted if NFCU chooses ) and proof that NFCU has submitted these forms. Each required Universal Data Form or the equivalent must contain NFCU certification that it has modified its internal records so that the information to be deleted is not re-reported. In the event Plaintiffs discover, more than fortyfive ( 45 ) days following NFCUs submission of the [ XXXX XXXX form/Universal Data form ] as described, that any consumer reporting agency still reports the alleged debt, XXXX XXXX XXXX may notify NFCU in writing, and NFCU will within ten business days re-submit a request for deletion of all reference to the debt. NFCU shall adjust its relevant internal records in a manner that will permanently reflect the agreed-upon status of the debt. NFCU agrees to take all steps necessary or appropriate to prevent the re-reporting of any information about the [ alleged ] debt. In the event any such information is re-reported to any consumer reporting agency, NFCU agrees to take all steps necessary or appropriate to ensure that the re-reported information is deleted from the files of every consumer reporting agency to which the information was re-reported. Further, should a consumer reporting agency ever notify NFCU that XXXX XXXX XXXX is disputing the tradeline, NFCU will not verify the tradeline or will confirm that the tradeline should be deleted ; in such an event, NFCU will also submit to counsel for XXXX XXXX XXXX, within forty-five ( 45 ) days after receiving the notification of the dispute from the consumer reporting agency, clear and complete copies of the notification of the dispute and any and all forms ( including electronic forms ) by which it responds to such notification ( with NFCU s subscriber/password code redacted if NFCU chooses ). NFCU further agrees that it will not assign, hypothecate, or transfer the [ alleged ] debt to another creditor, a collection agency, or any other third party, and that it will not alter the account number or otherwise relabel the account. The parties agree that time is of the essence of this contract. This release shall not extend to the obligations created by this Agreement or to any claim or cause of action based in whole or in part upon a communication to a consumer reporting agency after the date of this agreement. | ||||||
| 09/23/2016 | Yes |
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| I am writing to follow-up regarding several issues that I believe were handled inappropriately and unethically by Navy Federal Credit Union. My husband and I were approved for an FHA loan through Navy Federal for a home ( New Construction ) in XXXX XXXX, Florida. We have been working with our loan officer, XXXX XXXX and Closing Agent, XXXX XXXX for numerous months. We completed all the needed documentation in preparation for closing. We were told by the builder, XXXX that the property was complete on XX/XX/XXXX and that we should contact our lender to order the final appraisal. XXXX informed us that the final appraisal was ordered on XX/XX/XXXX. We received an e-mail from her indicating that she would be on vacation the week of our scheduled closing. My husband spoke with her on the phone XX/XX/XXXX and we were told that the final appraisal was complete and we received an e-mail on XX/XX/XXXX indicating a " clear to close ''. No stipulations were placed indicating that any outstanding information was needed. We were told by XXXX via e-mail that we would receive a call on XX/XX/XXXX and we would need to respond to the disclosures by XXXX My husband received a phone call from XXXX XXXX after XXXX on XX/XX/XXXX indicating that we would not be able to close on XX/XX/XXXX as scheduled as the bank did not have an appraisal. We were then forwarded to a supervisor, XXXX XXXX, who also indicated that we would not close on XX/XX/XXXX as the bank had not received the final appraisal. We were very confused and we repeatedly indicated that we were told that the final appraisal had already been received. She indicated that they would do everything to get the appraisal as soon as possible. She indicated she was doing everything she could and would call us back after speaking to her supervisor. When she called us back she indicated that if we send a " Hold Harmless Letter '' that we could still close if the appraisal was received by the morning of XX/XX/XXXX. We forwarded the letter. We continued to call for regular updates. However, it was not until the evening XX/XX/XXXX when XXXX XXXX told my husband that they had received the final appraisal in a timely manner but it was not on a form acceptable for FHA and this was in fact the hold up. She had clearly left out this key piece of information in our earlier conversations. It appears to me that some discrepancy is not being shared with us regarding the final appraisal. Ethically, is the bank required to share the reason for the problems with the appraisal? For example, did the home not appraise for the anticipated value? If so, does the bank have an obligation to share this information with the customer? We feel that representatives from the bank were fully aware that appraisal was received on time and that there was a problem regarding the appraisal. Additionally, there was no follow-up by the bank until the last minute to ensure that the documentation was correct is an issue demonstrating unprofessionalism. I feel that ethically some violations have occurred on the part of NFCU thus the reason we were asked to sign the " Hold Harmless ''. We were told different stories at different times by XXXX XXXX. If we knew that the paperwork was in fact received, then we would not have been manipulated into signing the " hold harmless '' letter. Lastly, the bank transferred nearly XXXX from my bank account on XX/XX/XXXX to the title company for the closing. To date my husband and I have no further information regarding closing or the status of the appraisal or the status of my funds. For example, how long will the funds be held? There are clearly some larger issues happening with the appraisal that have not been shared. We would like an honest assessment from Navy Federal Credit Union about the status of our closing and whether they will be able to close the loan. | ||||||
| 02/14/2019 | Yes |
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Web | Servicemember |
| XX/XX/XXXX I effectively became homeless. I am a XXXX XXXX XXXX XXXX Vet with a wife and daughter. Shortly after becoming homeless, my family and I rented a hotel room at the XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX. During the first week of XXXX, or within the first 10 days of XXXX, My wife called me to inform me that the car had broken down while my daughter and her were at the laundry station ( " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) Shortly after informing me of this, I called my insurance ( XXXX ) and had the vehicle towed to a tow truck recommended shop ; and then over to XXXX XXXX XXXX. After an unobtrusive diagnostic while the vehicle was at the tow truck recommended shop, no work was done. The vehicle stayed at XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX while I frantically negotiated with Navy Federal for the different options related to selling my vehicle, as my transmission had been ruined, and I couldn't afford a new one. Navy Federal Credit Union had me fill out two separate personal financial management applications, and has forwarded my case between at least 4 different associates. I literally pleaded with them in the email on separate occasions, asking for them to allow me to sell the vehicle and then convert the remaining balance into a consumer loan, but not only did they not allow me to do this ; they wouldn't allow me any means or resources to sell the vehicle without making a payment on the vehicle, despite my homelessness, and actively paying for a hotel by the day. My negotiations with the bank continued back and forth throughout the course of the past several months, until I received a notice from the XXXX XXXX Police Department ( Wed, XX/XX/XXXX, Presumably by parking citation attached to it ) notifying me that I had to move my inoperable vehicle, or face citation and towing. As I mentioned earlier, I am homeless, and XXXXXXXX XXXX XXXX XXXX XXXX, and the bank knew that, until just this past XX/XX/XXXX, I have been unemployed. During the month of XXXX however, I did have a temporary position with XXXX ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ) That only lasted three weeks, at the rate of XXXX/hr for 15 hours a week. XX/XX/XXXX I received an over payment from the Ch. XXXX Post XX/XX/XXXX GI Bill, and this may have caused the bank to assume that I would have the necessary funds to cover the debt despite any negotiations. Evidenced by my immediate submission of a debt waiver request to the VA on the XX/XX/XXXX ; I was quickly reduced from my original XXXX payments of XXXX, to XXXX. Despite my candid description of my situation, and my lack of financial stability, Navy Federal Credit Union continued to mislead me of their actual methods for their debt collection practices, and deliberately froze my wife 's debit card because they didn't believe that we were actually homeless. By deleting my messages directly related to these issues, they are deliberately and maliciously withholding information by omission, that would help prove that I have tried my best to maintain appropriate communication and accountability of my debt. When the bank was under the impression that my vehicle was operating, they maciliously threatened expedited repossession for lack of payment. After I assured them that the vehicle was inoperable however, I was specifically told during a recorded phone call ( Mid-Late XX/XX/XXXX ) that repossessing wasn't the most " cost effective '' option for them. By purposefully leaving the vehicle on the side of the street ( XXXX XX/XX/XXXXXXXX, XXXX XXXX CA XXXX ) and still refusing to repossess the vehicle that is currently over 120 days past due, they are maliciously and willingly causing me to be in violation of the law, because they won't simply follow the threats that they have been making towards me since my first past due payment. | ||||||
| 05/03/2015 | Yes |
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| I attempted to open a checking and savings account at Navy Federal Credit Union on XXXX/XXXX/15. I had been a member before ; the new accounts person was able to see my prior member ID/access ID. However, when trying to open the checking and savings account, she was unable to. She said it was with their back office and suggested I wait until the back office was able to resolve which would take an additional day. I asked if she could take my deposit. She said she could not until the account was opened. I explained I did not wish to return to the bank to deposit funds once the account was opened, so she suggested I give my deposit to my fianc who was already their established customer. Once the account was opened, she said my fianc could transfer the money from his account into my new accounts.p over the telephone. The next evening she left a message stating the back office was still trying to open my accounts and that she would call me two days later to follow up since she was going to be out the office until XXXX/XXXX/15. My account was finally opened XXXX/XXXX/15 and my fiance transferred my money into my accounts on the same day. While reading about additional NFCU services available, I learned I could obtain a secure loan using money in my savings account as collateral for a much lower interest rate than my credit cards. I applied for such a loan ( share secure ) on XXXX/XXXX/15. I opted to pick up the check at the XXXX XXXX branch the next day. The next day I was not able to come to the branch so I called the loan center asking if they could deposit the check into my NFCU checking account. They talked to the XXXX XXXX branch and were instructed to send the request in writing to their office. They said they would deposit the proceeds that day or the next. The loan center representative relayed this to me and also asked for a good contact number so the branch could contact me if necessary. The next day, I noticed the monies had not been deposited so I called NFCU. After being on the phone for nearly an hour the customer service representative explained I would need to go into the branch. He explained XXXX at the branch said their policy had changed ; they could no longer deposit into my account, I would need to go to the office. That was a problem since I was not near the office and would n't make it to the branch before it closed. I asked to speak to the branch, I was transferred to XXXX. She told me nothing could be done, that I had to go to the branch. After I explained what happened, XXXX put me on hold to talk to the manager. When she returned she said they would deposit my loan proceeds and she would mail the loan agreement to me to obtain my signature. She further asked that I return the signed documents back right away. I agreed, she said it would take 20 minutes for her to deposit my proceeds to my checking account. I thanked her, I had outstanding checks and would not be able to go to the branch. When I checked my account 20 minutes later, I learned all my accounts were frozen. The customer service person I talked to said the branch was closed. When I reached home, my fiance said XXXX at the branch called him asking about transfers he had made to my account. He confirmed the transfers were legitimate and explained he transferred the money to open my accounts. XXXX thanked him and hung up, yet she did not unfreeze my accounts, nor did she deposit my loan proceeds to my checking account. We called the suspicious activity department and was able to speak to XXXX in the branch, but she would not remove the freeze on my accounts and said she would not be able to do anything for me until Monday. She said she did not have resources to look into the matter although she was the person who froze my accounts. I do not have access to my money as I write this complaint. This is clearly wrong. | ||||||
| 12/16/2016 | Yes |
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| I 've had an account with Navy Federal since XXXX and in XXXX of that year they approved me for a credit card with a {$500.00} limit. After some time I added my wife to the account as a joint card holder. After about a year, I requested for a credit limit increase which was approved to {$20000.00} limit. Recently this year I requested for another credit limit increase and was declined for that increase. The reason was " Excessive credit obligations ''. FYI, between my wife and I, we have less then {$7000.00} outgoing in expenses. Our gross monthly income is OVER $ XXXX monthly! I ask you, DOES THAT SOUND LIKE WE HAVE EXCESSIVE CREDIT OBLIGATION???? I attached both my wife 's and mine paystubs to them for proof of our income. Here are the emails that were exchanged between Navy Federal and I during this process : Your Message XXXX/XXXX/XXXX : I am challenging the decision for the credit limit increase. The letter I recieved states " excessive credit obligations ''. Base on my research, my obligations are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX navy fed XXXX navy fed XXXX XXXX XXXX XXXX XXXX XXXX That put the total at $ XXXX monthly outgoing before housing expense. XXXX has the same accounts and XXXX additional auto loan for {$910.00}. That brings the grand total to {$3800.00}. If we added {$3000.00} for mortgage and housing expense that will put the grand total at {$6800.00}. I 've attached my most recent paystub with a YTD of {$XXXX} which would put my avg monthly gross income at {$XXXX}. These figures DO NOT include XXXX income ( attached as well ) which is just under {$XXXX} a year. So the only question I have is HOW CAN I POSSIBLY HAVE " EXCESSIVE CREDIT OBLIGATIONS ''?????? In addition, my credit card balances are ALWAYS paid in FULL on the due date. Also, between our savings accounts with Navy Fed, we have over {$70000.00} in cash!!!! Please explain how you derived at your conclusion?? PS. A {$15000.00} payment was just appied the the cash rewards credit card and I will be making another payment on the XXXX which will cover the entire statement balance Navy Federal Response XXXX/XXXX/XXXX : Thank you for your message. Because we take our members ' concerns seriously, we conducted a second review of your application. However, after careful consideration, we have determined that we must stand behind our original decision. At this time we can not qualify you for any additional unsecured credit in addition to your existing credit card account you currently have with us. We regret that we are not able to reach a more favorable decision at this time Your Message XXXX/XXXX/XXXX : XXXX. The term " excessive credit obligations '' would mean the consumer DOES NOT have the ablility to repay the debt. Mathematically this does not make sense! Base on my income alone, I calculated 33.5 % DTI. Please let me know if my math is wrong. Not to mention the fact that I have over {$XXXX} in my account and XXXX has {$XXXX} in her accounts. Please provide me with a DEFINITIVE reason as to why!! So far all you 've done is dance around the reason why. I know you pull XXXX but did you pull XXXX Or XXXX?? I do n't have my XXXX score but the XXXX has more accounts and should be more reflective. Navy Federal Response XXXX/XXXX/XXXX : Thank you for your response and apologize if you have been offended by our decision. As a financial institution we must adhere to strict lending guidelines in order to ensure fair lending decisions for our entire membership. These decisions are based on various criteria to ensure creditworthiness such as details reported by credit bureaus. In this instance, our established lending criteria were not met since you are currently at the maximum credit limit with combined credit card accounts we can provide you based on information provi | ||||||
| 12/03/2016 | Yes |
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Web | Servicemember |
| On XX/XX/2016 I traveled to XXXX to experience the night life. Unknowing of the dangers and known risk of that area, I opened a tab at a local bar/restaurant. My credit card remained in the bar tender 's possession approximately 3-5 hours. I did not submit fraudulent claims for 3 other transactions made that day because they were transaction that I made. The next day, I received a notice from my bank, Navy Federal Credit Union ( NFCU ) which notified me of the {$830.00} dollar transaction that was made on my account. It asked whether the transaction was made by me, and it was not to reply with a 'no ' to the text message. I immediately replied with the obvious no. Once logging into my account, I noticed two separate transactions made at an ATM machine. I once again immediately notified my bank. Since I 'm stationed a few hours south of XXXX, and the nearest NFCU branch is 2 hours away from me, I could not make it into the bank until 4 days later. While at the branch, the bank teller deposed of the card in which the fraudulent transactions were made, and issued me a new one. Additionally, she initiated a claim only for the two ATM transactions since they had already posted to my account. They issued me a provisional refund for the two ATM transactions. She advised to contact NFCU via phone once the {$830.00} transaction posted to my account to initiate a separate claim. Once the transaction posted to my account, I contacted NFCU and initiated the claim. The representative who took the claim, annotate vague and information that lacked detail which could have painted a better picture for the investigator. I found out about the notes that were taken on the account because they were read back to me once I called to get an update on the claim. I noted to the person who took the claim, that I attempted to notify the XXXX authorities, but was advised that they were unable to do anything since the incident was a civil matter. After doing some research, there were several warnings posted by the XXXX of similar cased involving fraudulent transactions and service members being " drugged '', and mugged. I tried to relay this information to the person taking the claim, but she was uninterested of the additional detailed and just wanted the basics. She also advised me that a provisional credit was going to be issued within 48 hours. When I asked for a good time to follow back on the claim, she stated that the investigator would not be available until to following XXXX ( XX/XX/XXXX ), due to the holiday break. This was on ot about XX/XX/XXXX. When I finally called back XX/XX/XXXX to get an update on the claim and inquire on the status of the provisional credit I was advised by another representative that he was unable to get me details on the account and that I needed to call back to following day to speak to my fraud investigator on my case. The representative who took the called asked if I wanted to leave a message for my investigator ; which I did. I asked the representative to relay to the investigator that I was XXXX, and did n't have reliable cell phone as a means for communication. Additionally, I requested that the investigator send me an email so that I can move to a location where I could call him. I never received that email. The following day, I called back and was advised by another representative that my claim was denied. Bases for being denied : since there was a chip available on my card, and because the chip is designed to prevent fraudulent transaction like the one I reported, that the claim was denied. There were no documentation or information provided to me which demonstrated that Navy Federal Credit Union 's investigation was conducive to a bank who looks out for their customer 's best interest. No explanation. Am I protected under ELECTRONIC FUND TRANSFERS ( REGULATION E )? | ||||||
| 04/14/2017 | Yes |
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| I had to take out a personal loan from Navy Federal Credit Union in Spring XX/XX/XXXX for XXXX of the semesters I was in school. I was able to pay on it regularly until Spring XX/XX/XXXX, when I had finished school and was without a job. As soon as I was able to pay regularly again, I did. Last year, after taking an in-depth look at my ridiculously massive student loan debt, I decided I would start paying extra to pay it off quicker, starting with this personal loan with an insane interest rate of 14.25 %. The minimum payment was {$130.00}, and I began paying {$200.00}. It was really nice seeing how quickly the balance on the loan was dropping, since all that extra money went directly to the principal. By paying it down so quickly, my statements began reflecting that my next payment would not be due until several months in advance. It was a very nice feeling to finally be in control of my debt, and knowing I had a $ 200 monthly cushion for a couple months in case of an emergency. At this point, I calculated that at my current rate, I would have the loan paid off XX/XX/XXXX unless I was able to pay it off completely with my tax return in XX/XX/XXXX. Either way, I was not too worried, as the interest that would accrue paying an extra few months was negligible, and would save me from making a big lump payment that I had saved for emergency savings. At the beginning of XX/XX/XXXX, I lost my job. Again, I was not terribly worried, because between my final paycheck, my savings, and my tax return, I would have enough money to get by for XXXX months while I searched for another job, even while paying the extra monthly payment to XXXX. At the beginning of XX/XX/XXXX, I got a phone call from XXXX saying my payment was 15 days late. I thought, " That ca n't be right, unless my automatic transfer was stopped. '' I reviewed my checking account, and the {$200.00} transfer had come out on XX/XX/XXXX, just like it should have. I checked my XXXX account, and they received the {$200.00} transfer. Yet still, it said I was 15 days past due. After calling them, they told me that my entire balance was due. What?! There was no notification, whatsoever. Apparently the original loan agreement for 67 months ended on XX/XX/XXXX, and they did not extend it when I needed help with my payments. There was absolutely no notification that I would have any kind of balloon payment at the end of my loan. None of my statements reflected that I would have to pay in full for the XX/XX/XXXX payment. The only thing that could be considered remotely close was an unusually high payment amount ( as in the full balance ) on my XX/XX/XXXX statement, which any reasonable person would view as a typo, perhaps due to an error in the extra calculations needed due to my over payments. I have attached the last XXXX statements of the account so that the CFPB may review them. After learning of this, XXXX refused any kind of extension or balance reduction. If I continued making my regular {$200.00} payments, they threatened to report it to my credit as XXXX, XXXX, XXXX late, etc. until the balance was paid in full. Upon finding out that a majority of that balance was comprised of late fees ( which by the way apparently accrued interest, since it was added to the principal balance ), they refused to reduce the balance without reporting it negatively to credit. The only option they offered would be a refinance, which I can not do with no income, and would not want to do because I just want to be done with this debt, not extend it further. I ended up taking the hit to my savings and paying the remaining balance in full. I thought XXXX was all about serving veterans and their families, but apparently they are just like every other slimy financial institution that just wants to make a quick buck at the expense of others. | ||||||
| 06/10/2016 | Yes |
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Web | Servicemember |
| On XXXX 2005, I purchased a town house a few months before the housing market collapsed. After the collapsed, the house depreciated about 60 % of the purchase value. Two years later, I received XXXX ( XXXX ) orders. I was unable to sell the town house and forced to find a tenant. Eleven years later, the market has not recover enough for me to be able to sell the property. I had been thru numerous tenants which either leave the property without noticed/paying the rent or I have to requested legal assistance to evict of them from the property. In addition, every time the property is left in a complete mess with me responsible for all the repairs. At this point, I have concluded that it is better for me to find a permanent solution to this situation. I started doing some research and learned about the different federal mortgage programs available for people in my specific situation. After reading the program criteria I was certain I qualified to receive help. Therefore, I contacted Navy Federal and requested assistance. I was directed to complete the Uniform Borrower Assistance Form and return it to them. Since I am currently station in XXXX, I requested to have all the documents forward to XXXX of the XXXX Navy Federal banks in the area in order for me to expedite the process. However, Navy Federal refused. Instead, they used the postal mail service to send me all the require documents. I explained to them, by the time the letters or documents get to me in XXXX, I am always late for the bank requested submission due date on the package. I have tried in different occasions to get the documents either fax or scan to me directly or to a Navy Federal branch in the area. However, Navy Federal refused. As a result, my application process was delayed for approximately 5 months utilizing these tactics. Once the package was completed, I requested a deed in lieu of foreclosure. However, I was explained over the phone, first " you need to place the house in the market for short-sale and intent to sell the property ''. Therefore, I agreed. Navy Federal approved the short sale and I immediately listed the property in the market. The property was on the market for 90 days as requested. In the processed, my realtor explain to me a few issued with the location of my property. The area have a higher rate of renters in comparison with owners. Therefore, it is almost impossible for any potential buyers to get finance to purchase the property. We contacted Navy Federal and after explaining the situation asked, " if they were willing to finance a potential buyers to sale the house ''. They said no. Therefore, in order for me to sell this property I need to do a cash sale. On XXXX XXXX, the short-sale time frame expired and I was unable to sale the town house. I contacted Navy Federal requesting further instructions to process with the deed in lieu of foreclose. The agent told me, " the town house was not approved for deed in lieu and I need it to reapply for short-sale to place the house back in the market, a package will be mail to you soon ''. Again, I was indirectly explained, " as long as you are making your payments on time, you are not demonstrating you have a financial issue ''. I am told over and over, " you are not qualify for the Home Affordable Modification Program ( HAMP ), Home Affordable Refinance Program ( HARP ) or any refinance option available and I had been indirectly suggested to miss payments ''. However, it is my understanding, I do not need to miss any payments in order to qualify for refinance programs. During the last ten months, the Loss Mitigation Department with Navy Federal Credit Union, has intentionally delayed my mortgage modification requested. They have continuously denial me all federal refinance options available without providing detail explanation. | ||||||
| 11/03/2020 | Yes |
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Web | Servicemember |
| We worked with our insurance agent in XXXX to solicit insurance quotes from various venders to ensure that we had the best coverage for the price. We emailed our insurance agent on XX/XX/20 that we decided not to change insurance companies this year and asked him to move forward with processing the payments with our mortgage company. Our policies for homeowners and flood insurance were due for renewal XX/XX/20. We received our Flood Policy and heard nothing else relative to any issues with payment from our insurance agent nor our mortgage company until XX/XX/20. On XX/XX/20 we received a letter from NFCU dated XX/XX/20. This letter was notice that our flood insurance expired because we failed to obtain new coverage. We called the NFCU on XX/XX/20. We were told that our insurance agent failed to send the information so that the mortgage company could pay the flood insurance. We were told that they requested it 3 times. We immediately contacted our agent and asked them to send the information regarding the flood insurance to NFCU so this could be paid the same day. We received a phone call back from our insurance agent notifying us that a request for payment was sent to NFCU but the flood insurance company never received payment. We were also notified that since the policy had lapsed 31 days prior, we would have to get a new policy and wait the 30 days required by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After several calls and back and forth to the insurance company, NFCU and our insurance agent, we were told that they were researching this issue and would get back to us and that NFCU did send out the payment early in XXXX. We received a call back later that afternoon that our flood insurance company was sending out a new bill with coverage data and that our flood insurance would be effective in 10 days. This was due to the error in the billing process and thankfully we didn't have to wait the full 30 days, however Hurricane Sally was building in the Gulf of Mexico and we would not have coverage through the hurricane. We called on XX/XX/20 and XX/XX/20 to ensure that our payment had been successfully received by our insurance company. It was and our policy was effective XX/XX/20. After all of this, we receive a letter from NFCU on XX/XX/20 dated XX/XX/20 stating that our mortgage escrow would be charged {$330.00} unless we can provide proof of coverage from XX/XX/20 until XX/XX/20. So once again we called NFCU and spoke to XXXX regarding the complete mishandled payment from NFCU and asked if NFCU could look into this issue. We were told that this issue was being researched and they would get back in touch with us regarding this issue. We never heard back from them and on XX/XX/20, we received another letter dated XX/XX/20. This letter was to inform us that our escrow was charged {$330.00} for forced placement insurance due to failure to provide proof of coverage. It is as if the investigation into this issue was dropped. Our problem is that there was a check printed for our flood insurance on XX/XX/20, there is no proof they sent it since they send out these checks via regular USPS mail with no tracking. I have purposely included the timeline of the letters that I receive from them to show that they are not timely in their mailing apparently. After denying that the check was printed and deducted from our mortgage escrow account ( see attachment " XXXX ) and stating that our insurance failed to send them appropriate information to submit a payment, we learn that the problem was with NFCU. They then refunded our escrow {$870.00} XXXX price of the original flood insurance policy and submitted a new check for {$750.00} for the revised flood insurance ( attachment XXXX ). Now they have charged us for this error and apparently dropped their internal investigation. | ||||||
| 02/15/2017 | Yes |
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Web | Servicemember |
| My husband purchased a vehicle from Navy Federal Credit Union at the middle to early end of XXXX 2016. When we went into the XXXX branch to inquire about the loan process we were very clear that my name was not to be put on the loan. She said that would not be a problem but they attach all loans to checking or savings accounts and since our accounts were joint my information would need to be updated as well in case he didnt qualify on his own. not a problem. We went to the dealership and my husband bought the car. he qualified for it on his own so I did not need to be added to the loan. My husband crashed and totaled his car on XXXX XXXX, XXXX he was arrested at the time of the crash. I contacted our insurance company who contacted Navy Federal in regard to the car being totaled and taking care of it through the insurance. My insurance company called me back stating that Navy Federal would not allow XXXX to handle the totaled car on my behalf because my name is not on the loan, title, or on the signed promissary note for the loan. i then called Navy Federal myself and was told the same thing, my husband would have to do. being that he was in jail he did not. On XXXX XXXX, 2016 My husband passed away. I contacted Navy Federal early XXXX to find out what I needed to do and was again informed that I was not on the loan, title, or signed the pomissary note so the only way they would deal with the insurance company is if I got an executor of estate. My lawyer ( assigned to me by the military to handle my hasbands affairs ) told me not to pay on this loan because my name was not on it and he sent them out letters in regard to this. Navy Federal contacted me periodically saying they would not allow geico to make payment on the car unless I agreed to sign a promissary note taking responsibility for the car. I ws advised not to do this and to continue with the executor of estate. In XXXX 2016 Navy Federal told me that My name has been added to my husbands car loan, still not on the title, but my husband no longer has a promissary note with them and that the check both y husband and i signed which was used when we purchased the car was now going to be the promissary note which puts me on the loan because I signed it. The only reason I signed the check was because the XXXX branch manager told me they only link loans to a checking account and since it was in both my husband and my name I had to sign it as well but as soon as my husband signed the promissary note with them my name would have nothing to do with the loan. I was advised by the lawyer to withdraw and close my accounts with Navy Federal which I did in XXXX. They closed the accounts but somehow reopened my savings, somehow funds that never should have been put in the savings, because it was closed, appeared and Navy Federal has been taking the funds from my account and applying them to my husbands loan. Also in late XXXX befroe the the accounts were closed, I stopped automatic payments on his car and mine, but in XXXX they automtically took funds for his car from my account. Even if we were to pretend that this signed check makes me liable for my husbands car, the back of the check clearly states that by signing we agree to enroll in XXXX, and their protection plan where in case of loss of life the loan will be forgiven. They are not willing to honor those XXXX parts of this signed check merely just me signing it. XXXX weeks ago I was speaking with Navy Federal and was informed that when I have been making payments on my loan they have been applyig a portion to my husbands loan because it has not been paid on. That is no longer visable online though. today, I called them becasue my car is showing as delinquent, and was informed that they were reopening my savings account, I didnt not give them permission to do this. | ||||||
| 10/03/2023 | Yes |
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Web | Servicemember |
| This complaint is against Navy Federal Credit Union ( N.F.C.U. ), I attest/affirm/swear all of the statements I am making including the multiple attachments I am submitting are 100 % directly tied into and connected to all of the statements and the 21 attachments of supporting documentation uploaded with CFPB complaint ( case ID : XXXX ). Attached is ( my wife 's ) XXXX XXXX XXXX claim dispute letter ( reversing their ruling and " ruling in favor of my wife '' and " not ruling in favor of the merchant XXXX XXXX XXXX ( XXXX ) XXXX '', dated XX/XX/XXXX. ( Please open and read the attachment ). Attached is ( my wife 's ) XXXX XXXX XXXX claim dispute letter ( reversing their ruling and " ruling in favor of my wife '' and " not ruling in favor of the merchant International XXXX XXXX ( XXXX ) XXXX '', dated XX/XX/XXXX. ( Please open and read the attachment ). Attached is ( my wife 's ) XXXX XXXX XXXX billing statement for the billing cycle from XXXX through XXXX. ( This XXXX XXXX XXXX billing statement depicts my wife 's credit card ( ending in # XXXX ) showing " the total amount of {$14000.00} being credited back to my wife 's credit card account and my wife receiving a full refund of all the monthly payments made to XXXX XXXX XXXX '' . ( Please open and read the attachment ). Attached is my XXXX XXXX XXXXXXXX XXXX contract ( contract # : XXXX ), where {$89000.00} was paid-in-full for this contract in XX/XX/XXXX. This contract entitles me, my wife, and our accompanying guests to receive multiple different types of services that are separate from the multiple different types of services received due to being compensated and the multiple different types of services received due to signing the new XXXX XXXX contract ( XXXX. # XXXX ), which is the contract we signed XX/XX/XXXXXXXX and requested to be terminated. ( Please open and read both the XXXX XXXX contract ( XXXX. # XXXX ) and the XXXXXXXX XXXX XXXX XXXX contract ( # : XXXX ) and the XXXX definitive membership certificate, and the paid-in-full letter, dated XX/XX/XXXX ). Attached are 4 financial institutions ( i.e. XXXX XXXX XXXX, XXXX ( for my account ), XXXX XXXX & N.F.C.U. ) claim dispute letters depicting all 4 of these financial institutions " ruling in my favor '' or " ruling in my wife 's favor '', with the exception of one claim dispute, which was N.F.C.U. 's claim dispute of XXXX ( claim # : XXXX ). All of the attached documents depict a combined total of {$82000.00} of multiple financial institution claim disputes against the merchant XXXX XXXX XXXX ( XXXX ) XXXX for the exact same reason ( which was the merchant XXXX XXXX XXXX ( XXXX ) XXXX not honoring our request to terminate the XXXX XXXX contract ( XXXX. # XXXX while I, my wife & our accompanying guest were still present at the resort from XXXX XXXX XXXX to include after we arrived back in the U.S from XX/XX/XXXX through XX/XX/XXXX ). All 4 of the financial institutions received the exact same supporting documentation for all of the claim disputes, however, only {$77000.00} in the claim disputes was ruled in my favor or in my wife 's favor and N.F.C.U. is the only financial institution that ruled my claim dispute of {$5000.00} ( claim # : XXXX ) in favor of the merchant XXXX XXXX XXXX ( XXXX ) XXXX. How is this possible? I understand N.F.C.U. 's explanation of the extensive process and procedures N.F.C.U. went through to determine their ruling, however, when presented with the ruling outcome of other financial institutions who made their ruling based on having the exact same supporting documentation N.F.C.U. had. How can N.F.C.U. continue to stand on their ruling and how can N.F.C.U. continue to attempt to justify their ruling, especially after overwhelming facts has been clearly presented and brought to N.F.C.U. 's attention? | ||||||
| 12/15/2015 | Yes |
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| I have made numerous attempts to contact Navy Federal to resolve this issue and all attempts to have gone unanswered. I contacted NFCU on XXXX/XXXX/XXXX regarding the mortgage process and was sent a quote of what my husband and I qualified for based on the conversation ( NFCU Incident # XXXX ). Following the receipt of the quote, we submitted a mortgage application. The automated system advised that someone would contact us within 24-48 hours. After not having received a response and the system now showing any pending applications, I reached out to NFCU. On XXXX/XXXX/XXXX, I sent an email asking for a status. The response received was that " Your mortgage application has been received, however a loan officer has not yet been assigned. Once a loan officer has been assigned, they will contact you usually within 2-3 business days. '' I called on XXXX/XXXX/XXXX and was advised that a loan officer has been assigned. I left a voice message for XXXX and yet I still had not received any communication. I sent a secure message on XXXX/XXXX/XXXX ( NFCU Confirmation # XXXX ) attempting to follow up on the submission and received a response that the " loan officer, XXXX XXXX will be in contact with me as soon as possible. '' The loan officer finally contacted us advising that he wanted to review the application. He did not question any of the data that we entered. He asked which area we were looking to purchase in and I informed him that we had not confirmed a location and that our intention was to obtain pre-approval. He asked about our savings and I told him that I wanted to give him an accurate number of the savings that we had between the XXXX of us. He refused and said it did n't matter. I informed XXXX that we were looking at a maximum {$250000.00} purchase range and he again advised that it did n't matter because the " committee '' had to review the information anyway. He asked if we had bank accounts anywhere else and I informed him that we did. XXXX asked is there " a lot of money in it '' to which I responded what he meant. He advised that if it was n't " a significant amount of money '' that it did n't matter. He rushed off of the phone and we did n't hear anything else until we received a notice that our application had been denied. I called NFCU Customer Service to speak to the loan officer, XXXX XXXX, regarding my complaint and my messages went unanswered. I visited the NFCU Branch at XXXX XXXX XXXX on XXXX/XXXX/XXXX where the representative, XXXX, attempted to discuss the issues. He advised that all mortgage issues had to be addressed at the Headquarters ( HQ ) branch, and redirected me back to the loan officer. I then requested to speak to the loan officer 's supervisor, XXXX XXXX. XXXX was able to reach XXXX XXXX at XXXX who was initially quite rude and demeaning when discussing my application and concerns. He informed me that I needed to go to the Credit Bureau to dispute information and not contact NFCU before he heard what my concerns were alleging that my complaint was regarding information reported to the credit bureau when in fact, it was not. He advised me that my credit report showed late payments in XXXX and XXXX of XXXX and that I could not afford a property above {$960.00} per month because I did not meet NFCU 's standards. He further advised me that I could not afford to live in XXXX XXXX or XXXX Counties even with the loan amount that I requested. XXXX XXXX then told me that " what I need to realize is that information they see needs to be shown by investors. '' I feel that I am being discriminated against based on race and age. XXXX XXXX told me that I need to look for a house under {$120000.00} because I could not afford anything. XXXX XXXX further discriminated on the basis of my race when he advised that I could not afford XXXX XXXX XXXX. | ||||||
| 06/19/2015 | Yes |
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Web | |
| My complaint is base on being treated unfair, I have also been mislead and discriminated. I decided to have my mortgage loan with the NAVY Federal because of the support to the militaries being a daughter of a retired NAVY I support them. My loan officer was XXXX that assist submitting the application and gathering part of the documentation. After that I was assigned a Processor by the name of XXXX throughout the time the communication was very poor I send emails requesting a call back, because every time I call the XXXX it was a hold time of over 20 minutes and when you finally got someone on the phone they would say the loan officer was not available and offer to take a message, I asked to be transfer to a supervisor or an escalations department and they always refuse and said no one was available and that they could take a message this was more than XXXX times. I continued with the loan and providing documents needed, I continuously asked XXXX what other documents were needed to be able to get the clear to close on the loan. Our closing date was XX/XX/XXXX, on XX/XX/XXXX after many emails and conversations I received a request of proof of taxes being filed for XX/XX/XXXX and XX/XX/XXXX.I was not informed of this until XX/XX/XXXX two days prior to my closing. I request to speak to a supervisor or someone above her that could help me on expediting this without success she always said I can take a message and never got to speak anyone. I did a research and found the name of the head representative of the mortgage business within the XXXX and I sent an email including XXXX explaining the situation and asking for help without any response. I was frustrated I worked so hard on putting the money together, looking for the home going thru the process of finally getting a contract approve etc... On every contact I had the impression was a NO HELP and the way business was handle it was a clear message you are nobody and we do not care. After I sent the email to XXXX I was contacted by a supervisor name XXXX she said all documentation was in filed and she had submitted my loan to underwriting and was pending for approval the conversation took effect on the day of my closing XX/XX/XXXX. I continued to call her we talked about XXXX times and at XXXX eastern time she said she was forwarding my file to her supervisor because she had no response through all this time she NEVER mentioned any missing documentation or the need of having transcripts. Thats when XXXX sent me an email advising I needed to have my XX/XX/XXXX and XX/XX/XXXX filed and processed. I was frustrated and aggravated I advised I was mislead by her loan originator, processor and supervisor because all XXXX had said all I needed was to have proof of filing, her response was sorry and you work on a financial institution you should know this information. She clearly didnt want to deal with me she avoided my calls until she had to take it because I advised her on proceeding with legal action and after talking to her she just said you should have know... XXXX never bother to follow up or have someone follow up. I am a single mother with XXXX little boys XXXX and XXXX years old, I am traumatized by the experience. I have tried to communicate with someone in the XXXX that is able to see how the mortgage department is handling business. I was mislead by false information, communication is terrible if they dont have the staff to service the loans than DONT do them. there is no customer service and you can barely get someone that is available, the hold time is ridiculous, how are the CONSUMERS being protected. They also breach privacy by sending other customers personal information and appraisal information. This company is so disorganize that is scary. I have gave my noticed to vacate and I am now homeless a | ||||||
| 08/30/2016 | Yes |
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Web | Servicemember |
| NFCU was contacted about a dispute I had with a merchant ( XXXX ). I provided NFCU with supporting documents that show that I responded to NFCU within the required time frame. I was given a POC at NFCU who NEVER responded to my phone calls or faxes submissions. NFCU closed my business checking account in error, placed it as a charge off, put my name and business name on the banking blacklist. XXXX wrote a letter expressing their errors. and NFCU will not reverse any fees and states that the account is still negative.. They claimed it was not NFCU errors it was mine and the vendors. Which is inaccurate. I rented a uhaul truck, had a medical emergency could no longer drive. Called XXXX and arranged whats called an authorization to recover. I cancelled the contract. XXXX did not notify the proper people and my vehicle was not recovered for additional 20 days. XXXX refunded over XXXX to my account. NFCU was given that letter which should have upheld the provisional credit. Instead NFCU reversed the provisional credit, charged off the overdrafted amount. I have called NFCU dispute resolution department who each time stated would investigate. Each person stated that I would have to provide different docs. Every document they wanted was submitted. First it was fax transmission reports proving I submitted in timely manner. I provided faxes to XXXX different faxes ( credit card disputes and debit card disputes ), once that was done and proof provided, then NFCU stated that I needed XXXX to admit the invoice was in error. Meantime they have straddled my accounts all secured credit cards, use of my debit cards attached to my checking account. I have been charged now over XXXX to use my own money for months. I started out with XXXX, XXXX, and XXXX line of secured credit. In order to use my husbands income each month I had to increase my secured lines of credit to XXXX, XXXX and XXXX then they charge me interest and fees to use this money to pay my bills or for entertainment for my clients Its co mingling my funds and causing me headaches. They refused to work with me. XXXX wrote three letters for NFCU each one did not have right info on it. Finally when this letter had the right info they claim that even though they have charged me enormous fees over XXXX now that they will not reverse any of those fees. its the snowball effect. Its getting bigger and bigger. XXXX XXXX recovery manager said even if I pay the deficit NFCU did nothing wrong and they will not reverse any fees. I filed a complaint with XXXX from washington and they said I was to call them to work it out on XXXX XXXX. I called and asked to talk to XXXX XXXX. She then called me back and said the matter was closed and if I called to mention it again that I would be placed on the troublesome or harassing member list and my privileges would be further removed. XXXX agreed to pay the remaining amount in refunds and I asked if NFCU if they paid the FULL amount instead of giving me credits would they then reverse all this activity. I was told the only fees that would be returned have been and NFCU did not act illegally or in error so no. NFCU did act illegally, by their claim that the letter written on XXXX XXXX authorizing XXXX to recover the vehicle is insufficient to stop them from charging me. This is inaccurate XXXX card services stated in their investigation that this letter proves that I acted in reasonable and responsible manner. NFCU should have not reversed the provisional credit. NFCU reversal of provisional credit was in error. NFCU claim I did not respond is both erroneous and in error. I have fax transmission reports, cell phone records calls and landline records to support calls and faxes. NFCU now is saying if I continue to complain they will further so their letter to the XXXX is an outright lie. | ||||||
| 03/20/2023 | Yes |
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Web | Servicemember |
| Ive been on hold to navy federal security team to get access to my account last checked current balance XXXX available XXXX all the sudden I log in I dont know if cause I screen shoted past statement and made a comment about account all these fees for returned items that was caused by them my opps says opt out I had made a claim on an old account that had unauthorized transaction they never responded to they made an new account but payments they made came back they didnt notify who they sent payment not to cash check or let them know or even cost arrangement but they charging me a lot of fees cause of their errors and failed to provide ledger my oops was paid I left money in my account sent remittance and other remittance they have told me several times wrong info so I know they are intentionally causing errors They wont assist they wont provide information Im requesting then my statements I sent in by mail for error and remittance made to me there was a check that they said theyd returned to my account I had to pay XXXX I have a a lot fees because of their error to fix I have malware sent notification somebody has had access to my account they have caused my other institutions to close and have negative impact a check they have not returned or paid for XXXX they approved but if thats the balance thats current understand they are costing me harm and negative impact Im in comfortable going to branch they no help have attitude every time I call they say one thing then do another I sent them several remittance to be deposited to my account I sent them power of attorney for the principal they doing more taking and not paying or matching principal I know my rights they have sent back remittance that I sent back to me since they wont deposit them I sent them messages in app now every time I get my account going always issue Now I cant access my account been waiting on hold to talk to security team to get access no answer been calling since XXXX pacific time till now XXXX XXXX today. I received a pin for a flagship reward visa credit card and pin but no card but my access number show on it and they sent a pin for the card but say I have no card they keep denying me credit after showing these agencies are not reporting accurate information then they adjust fees then charge things off so somebody authorizEd a payment to a billing provider where my payments for oops went. Their an holding company so they need to call my cell and explain their discrimination rep told me you cant deposit remittance and in branch but in there letters they state remittance fee ayments and I do and they ignore. Second if their holding my assets they dont lend their money or shares why they deny me mine after providing poa XXXX I want my credit it doesnt have to be high it can be small to build trust I sent a promissory note ignored so either deposit and fix all there issues from the last four accounts closed I cant see them they say their closed but in deposit voucher they show those accounts what ever funds I have that their holding they need to make available they have caused other account to close. Become negative because they are not doing their obligation they need to to provide everything they are holding of mine or show or proof. I shouldnt have to reach out to you guys if their doing their obligation the banking act my account should be properly secured already they say I dont have to do a written appeal just call and I should be good I have saved messages Ill submit lady that made my new account said she order checks havent reviewed they are purposely doing this causing harm and deny me my security XXXX as entitlement holder theyre e retaliating and discriminating I have to much proof recording receipts of their injurys to me for them to not compisante me to what Im entitled to. | ||||||
| 11/27/2020 | Yes |
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Web | |
| We spoke to our mortgage company in XXXX about a possible Deferment. In XXXX we spoke to them again after discussing our options and to make sure we understood everything. We spoke to multiple customer service agents and they said if we take a deferment then the would put our missed payments to the back our our loan and that the loan would be extended to take care of any payments we defer. Before agreeing to take a deferement we called back again to trip check and make sure we understood the process and the customer service agent again told us that the deferred payments would be placed at the back of the loan and we would have additional months to payoff the months we were deferring. XXXX my husband and I agreed to take a 3 month deferment during the height of covid. In XXXX we spoke to our mortgage company again and prepared to make our regular payment, then the offered us another 3 month deferement. We asked again if these payments would be put on to the back of the loan and if the term would be extended and the agent told us yes this is correct. We took another 3 month deferment until until XXXX. We received a letter from our mortgage company on XX/XX/XXXX and called in to go over the letter and check to make sure we understood it correctly. Our balance before taking the deferment was {$250000.00} and it said that we were past due {$10000.00} for the deferred payments. We spoke to the agent and again they said we would be given additional months to payoff the deferred payment. We confirmed that the deferment was over and were ready to make our regular payment, and the agent said they were still processing our deferement, so we weren't able to make a payment until XXXX. We took another look at our amortization schedule in XXXX and instead of deferring our payments and having additional months to pay the loan off, they took the {$10000.00} and added it into the principal of our loan and just attached it as a lumpsum payment on our final payment. So now instead of owing {$250000.00} and having an extra 7 months to pay, or balance increased to to {$260000.00}. My husband and I called the mortgage company on XX/XX/20 and asked what our balance was on the loan and a gentleman by the name of XXXX told us that it was {$240000.00}. He said he didn't see that we owed and additional {$10000.00}. So we called back and spoke to a woman in th mortgage department and told her we were confused about having the additional {$10000.00} added to our balance. She this amount was for the months we missed. We told her that we spoke to numerous agents to make sure we understood the process correctly and they didn't tell us the deferred months would be added to the balance, but that we would be given additional months to pay off the balance that we owed. We couldn't come to an understanding with her, so she transferred us to another associate in the deferment department. We got on the phone with the next agent and explained the situation and what we were told by numerous agents before we agreed to take a deferment. She said we didn't understand the process and that we can't expect to live there for free. I explained to her that we spoke to numerous agents in XXXX and XXXX before taking the deferment and also when we received the letter to sign for the deferment in XXXX we spoke to another agent. They all told us the same thing, that we would have additional months to payoff the deferred months and no one mentioned that the payments would just be added to our current balance. The agent told me that's not how the process work and that i need to go to the message center and ask for the calls to be monitored from our previous conversation and there was nothing else she could do for us. We sent in a request to have the calls played back, but we haven't heard back from anyone yet. | ||||||
| 08/17/2018 | Yes |
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Web | Servicemember |
| : According to the guidelines set forth in the CFPB investigations & actions against NFCU, I am unquestionably one of the members due compensation in redress as one of the victims of unfair/Illegal/Unethical restrictions on Account Access. Instead of being personally contacted per CFPB mandate I had to inquire personally to NFCU, going so far as to voluntarily read & address issues affecting me. On XX/XX/XXXX I spoke with 2 agents a " XXXX '' & her Supervisor " XXXX '' - who literally said they had no knowledge of CFPB actions to compensate the myriad of victims of these tactics for which NFCU was fined upwards of XXXX XXXX dollars. After hours of conversation & correspondence, Both agents, most importantly the Supervisor XXXX with whom pulled up the CFPB website that I alerted him to, & wholeheartedly agreed that I was indeed eligible for compensation in accordance with the required actions, and guided me to call immediately the following morning, when said department was open. On XX/XX/XXXX, I indeed followed XXXX 's recommendations, to speak with the Collections department, so they initiate correct of the situation so that he may contact the Claims department in order to receive compensation for NFCU 's actions towards me & so that he could then reverse the adverse affects - as he was unable to do so in the wee hours in which he & I spoke, & assured after speaking with both the Credit Card & Collections department so that he could correct the violations perpetrated on my account, thereafter I could contact the Claims department for the compensation and redress as I was due those reversals - particular the unauthorized removal of ALL the funds in my NFCU Account, and the unfreezing of my current, up to date accounts. As previously mentioned when I did as suggested at the behest of the NFCU agent, the CFPB & the advice of my attorney, I reached a rude, insolent, unprofessional Collections Supervisor who refused to give me her name or operator ID. She refused to listen to my situation. She refused to acknowledge the CFPB investigations & subsequent recompense. She refused to even acknowledge the directives of the her colleagues who directed me to her after debriefing her of the situation. On the contrary - instead this supposed supervisor refused to acknowledge or comply with the federal CFPB actions set forth against NFCU for improper debt collection activities & general inquiries dealing directly with the federally mandated rulings, requirements, grievances, & actions set forth by the CFPB for these actions & the utter mistreatment of NFCU 's members. On the contrary, this unnamed Supervisor continue to blatantly refuse the comply with the actions taken by the CFPB for improper debt collection practices. Instead said supervisor took 15 seconds to tell me there was absolutely no way she would correction the mistakes - as is her duty - told me there was no way XXXX would be reversing/correcting the violations. Subsequently she told me there was " no way '' and unbelievably, this supposed " professional '' abruptly hung up on me & refused any correspondence with me thereafter. It is important to note, I have never missed a payment in the many years since I became a Navy Federal member. I was not contacted by any NFCU member as was the requirements for victims in accordance with CFPB ruling. She refused as well, to acknowledge both agents who put me through to this utterly inept Collections supervisor on XX/XX/XXXX, specifically " XXXX '' at XXXX XXXX, " XXXX '' at XXXX XXXX & " XXXX '' at XXXX XXXX. Each of these 3 agents were professional, capable, informed, and congenial. The unnamed supervisor was absolutely, mind-bogglingly incapable & unacceptable in her behavior. Were she an employee of mine, she would have been FIRED ON THE SPOT. PERIOD. | ||||||
| 08/21/2015 | Yes |
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Web | Older American |
| To Whom it may concern ; XXXX NAME IS XXXX XXXX XXXX, I AM A RETIRED XXXX THAT IS XXXX XXXX AND DEPENDANT ON MY FUNDS. I LIVE AT XXXX XXXX XXXX # XXXX XXXX NM XXXX HOME TELEPHONE NUMBER IS XXXX XXXX XXXX CELLULAR TELEPHONE IS XXXX XXXX I PREFER TO RECIEVE ALL CALLS VIA THIS NUMBER. ON XXXX/XXXX/2015, I WAS GOING TO PURCHASE A CAR AT XXXX XXXX OF XXXX NM XXXX XXXX XXXX, I WAS REQUIRED TO GIVE A XXXX DOLLAR DEPOSIT WHICH I DID WITH MY DEBIT CARD ON XXXX/XXXX/2015. HOWEVER, I DID NOT BUY THE CAR WHEN I ASKED FOR MY DEPOSIT THE DEALER SAID TO DISPUTE THE DEBIT CARD TRANSACTION TO GET MY FUNDS BACK FASTER. I DID FILE A DISPUTE WITH NAVY FEDERAL ON THE XXXX OF XXXX 2015. XXXX OF NAVY FEDERAL SAID IT WOULD TAKE XXXX DAYS BUT IT BEEN LONGER THAN TEN DAYS. I HAD RECENTLY CLOSED A BANK ACCOUNT WITH XXXX XXXX BANK BECAUSE I THOUGHT NAVY FEDERAL UNION WOULD BE BETTER BUT WAS I WRONG. THE FOLLOWING ARE THE EMAILS OF COMMUNICATION WITH THE WOMAN INVESTIGATOR NAMED XXXX. XXXX HAS SPOKEN WITH THE CAR DEALER XXXX TIMES AND HAS BEEN GIVEN AN ALL CLEAR ON PAYING THE FUNDS BACK INTO MY ACCOUNT BUT YET NO FUNDS ARE DISPURSED TO MY ACCOUNT. Subject : Debit card disputeNavy Federal Response XXXX/XXXX/2015 : We have filed an XXXX XXXX dispute claim for {$500.00} on your behalf for the debit from XXXX. Your checking account will be provisionally credited {$500.00} within ten business days. A gram will be mailed to your address of record notifying you of this action. Navy Federal will follow through on your claim with the merchant. Please note that your claim may remain open for a period of up to XXXX days before the merchant 's processor renders its decision and the claim process is completed. Your Message XXXX/XXXX/2015 : I recently entered into a transaction to purchase a card. The company required a XXXX dollar deposit while they processed a loan. After the papers were complete the loan intersest made it not logical to sign the note. I decided to not deal with the company. I requested my XXXX dollar deposit back and was told by the manager to dispute the charge with my bank. The company wasXXXX XXXX XXXX XXXX loan was through their inhouse loan company which a XXXX or something like thatPlease complete the return of my fundsRespectfully, XXXX XXXX XXXX retiredSubject : debit card transactionNavy Federal Response XXXX/XXXX/2015 : Thank you for using Navy Federal 's eMessaging Service, XXXX XXXX. We can not process a dispute claim until we clarify the information you provided. Pleasecontact a Dispute Resolution Specialist directly at XXXX. We very much appreciate your patience and understanding, and we look forward to assisting you. THIS IS UNUSUAL BECAUSE I HAVE4 SPOKEN TO XXXX SEVERAL TIMES AND HAVE ANSWERED ALL HER QUESTIONS ABOUT MY CLAIM. Your Message XXXX/XXXX/2015 : i was going to purchase a car and had to make a XXXX dollar deposit. the purchase did not go through and the money was never credited to my account. i am a XXXX veteran and i need my money. it 's been almost ten days and the car credit company claims that my credit union has not given me credit for unknown reasons. XXXX XXXX : DISPUTEYour Message XXXX/XXXX/2015 : XXXX/XXXX/2015 POS Debit - XXXX Check Card XXXX - XXXX XXXX NM XXXX Checking ( XXXX ) Transportation : Other Transportation Dealers Point of sale ; debit cards ; EFT - $ XXXX TRANSACTION WAS NOT COMPLETED, I DID NOT BUY THE CAR AND XXXX TOLD ME TO DISPUTE THE TRANSACTION TO GET MY MONEY BACK I CURRENTLY AM IN THE PROCESS OF CONTACTING THE US ATTORNEY GENERAL AND THE STATE ATTORNEY GENERAL TO FIND OUT YOUR DELAY IN RETURNING. I STILL WAIT FOR MONEY MONEY OF XXXX DOLLARS. I SUBMIT A REQUEST AND DEMAND TTHAT YOU CONTACT NAVY FEDERAL UNION FOR AN IMMEDIATE RESOLUTION. MY ACCESS NUMBER IS XXXX. I AM DIESPARATE AS M | ||||||
| 06/10/2022 | Yes |
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| My Funds were NOT handled or DISBURSED as INSTRUCTED and PROMISED : On XX/XX/2022 @ XXXX XXXX, My husband and I, deposited a check. According to my NF receipt, my check was credited ( immediately ) added and included with my account balance. On XX/XX/2022 @ approximately XXXX, I phoned NF Credit Union to ensure that my/our check was credited as is indicated on my/our receipt. According to the automated system, my husband wasn't a member ( although, it was his debit card used for the deposit ). At approximately, XXXX on XX/XX/2022, I/we phoned NFCU " again XXXX and used my debit card, and my other applicable identity information. Again, my/our balance was less than what is indicated on my/our deposit and receipt. On XX/XX/2022 @ XXXX, I " again '' phoned NF Credit Union and spoke with Representative, XXXX XXXX I shared with XXXX, all of the information above. She ( XXXX ) reported, that my ATM deposited check would be held for XXXX business day 's and the monies would be placed in my/our account on Friday morning ( XX/XX/2022 ). Today, is Friday-XXXX XXXX XXXX and the money isn't in my account. NF Credit Union 's, XXXX misguided and lied to me/us. Only, about {$220.00} was placed in my/our account on XX/XX/2022. The amount indicated on my/our ATM receipt, still isn't available. When I/we phoned NF Credit Union this morning @ approximately, XXXX, I/we was on HOLD for an extended period of time ( XXXX mins and XXXX secs ). When we spoke to the NF Representative, we were made aware, that our check hold had been extended to XXXX day 's. We shared with the Representative, that we needed access to our monies. We also shared, that we were told that our monies would be available Friday morning ( XX/XX/2022 ). We were told that there was NOTHING that could be done. We then asked to speak with a manager ( NOT, Supervisor ). A supervisor ( XXXX ) came to the telephone. We " again '' shared with him that we needed access to our monies today. We were DENIED access to our monies ( " again '', per XXXX XXXX. I shared with XXXX, that I/we are adults NOT, children and we were promised that our monies would be available, today! Instead, of XXXX exuding professionalism, he hung-up on me/us. It is due to XXXX 's unprofessionalism and VERY NASTY BEHAVIORS that we are second guessing our membership with NF Credit Union. At approximately, XXXX, we " again '' phoned NF Credit Union back. We spoke with XXXX XXXX in XXXXXXXX XXXX ) ; who transferred us to XXXX an Advance Account Supervisor for Resolutions. Again, XXXX Representative REFUSED to give us access to our monies ( citing, the XXXX day hold period ). We shared with XXXX that this was a EMERGENCY! According to XXXX, our EMERGENCY didn't matter to NF Credit Union. According to XXXX, our requested {$500.00} EMERGENCY funds request didn't matter, either. According to XXXX, the bank was unable to process any HELP to our EMERGENCY issues ( although NF Credit Union 's Representative XXXX mislead and FAILED to properly instructed us. More importantly, NF Credit Union mishandled and REFUSED to DISBURSED, our monies as promised ( via our attached/scanned NF Credit Union ATM receipt dated, XX/XX/2022 ). For the record, we do NOT need this type of unprofessional customer service in OUR LIFE! According to NF and NF Representative XXXX, we have to wait, until Tuesday, XX/XX/2022 for our monies to be deposited into our account. I am DISPUTING, NF mistreatment, mismanagement and intentional BIG LIE! This is a formal complaint. And, it is important to document and record, that XXXX hung up on me, too ( without, cause )! I want to say, NF 's management staffer 's need better training in customer service. I DO NOT AND WILL NOT, SUPPORT THIS TYPE OF BEHAVIORS! I DIDN'T SIGN-UP FOR THEIR UNPROFESSIONALISM. ( XXXX ) @ XXXX. | ||||||
| 06/18/2020 | Yes |
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Web | |
| This is not a duplicate complaint in that it contains new and current information requiring a thorough investigation which XXXX claims to have done. XXXX replied the complaint appeared to have been originated by someone else. XXXX had previously stated they were under no obligation to re-investigate my complaint and this continued obfuscation is a clear indication of their guilt. XXXX has an affirmative obligation to thoroughly investigate a complaint but instead they have aligned themselves with the abusing creditor Navy Federal Credit Union. I am asking CFPB to compel XXXX to respond and investigate the matter. Moreover, I demand strict proof of XXXX 's prior contemporaneous investigation into this matter. This complaint involves NAVY Federal Credit Union Account XXXX. This account is found on my XXXX Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted NFCU and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided NFCU this information and subsequently, I provided NFCU all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided NFCU the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, NFCU refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. NFCU and XXXX XXXX have failed to do either. The other two credit bureaus, XXXX and XXXX have removed this account, with prejudice, from my credit report. A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that XXXX XXXX reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and XXXX Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. What would be a fair resolution to this issue? Fairness will be for XXXX to strike the NFCU Account with prejudice, update my credit report and provide me a new report. I will continue to prosecute and compel XXXX and NFCU to comply. | ||||||
| 07/25/2023 | Yes |
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Web | |
| I see a few violations involving XXXX, XXXX and XXXX along with XXXX XXXX XXXX, Navy Federal and XXXX accounts. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX5 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying Information of another person without authority. Anything added to my report without my written consent could be considered Identity theft. XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX changed off these accounts.. According to the IRS website. A charge off is considered a Certificate of Indebtedness which means it is considered Income. Income is not debt so these accounts need to be removed. When a company charge off debt they are supposed to send the customer a 1099 form so it can be filed with my taxes and must be removed. Ive sent XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX an opt out letter a month or so ago. I attach the letter to this complaint. Also I uploaded a screenshot of my credit report showing the inaccuracy of the reporting. XXXX, XXXX and XXXX have different account number, open dates and last payment. XXXX5 U.S. Code 1681e Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall Follow reasonable procedures to assure maximum possible accuracy of the Information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information Contained in consumer reports you are also violating compliance procedures Under this title 15 U.S. Code 6802 Obligations with respect to disclosures of personal Information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution May not, directly or through any affiliate, disclose to a nonaffiliated third Party any nonpublic personal information, unless such financial institution Provides or has provided to the consumer a notice that complies with Section 6803 of this title 15 U.S. Code 1681c Requirements relating to information contained in consumer Reports Except as authorized under subsection ( b ), no consumer reporting agency may Make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of Convictions of crimes which antedates the report by more than seven Years. No adverse item besides the conviction of crimes should be on your report Any item that is a derogatory mark is not allowed into consumer reports. This is another violation | ||||||
| 05/21/2021 | Yes |
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Web | Servicemember |
| I contacted Navy Federal on XX/XX/XXXX at XXXX to XXXX on Friday and spoke with XXXX XXXX He refused to give his last name or any identifying information. He claims to be the supervisor would not give me the Manager of Banking Operations when asked. He said we are not suppose to give any information. I told XXXX that XXXX XXXX checking account was overdraft by over {$500.00} dollars. There was {$660.00} unauthorized Navy Federal Credit Union transaction. XXXX XXXX never gave authorization for this money to be deducted by Navy Federal Credit Union. On XX/XX/XXXX XXXX XXXX took money out of XXXX XXXX account totaling {$660.00} and put his account in the negative over {$500.00} dollars. They claim they took it out because of a bill that told them to issue credits to peoples accounts. XXXX XXXX reasonably assumed when he received {$660.00} in his account that the money was his stimulus money being deposited to his account. XXXX reasonably thought this because he received no notice before the disbursement of any money being deposited into his account that would be a loan to be repaid back. There was not any notice before any loan or temporary credit from Navy Federal Credit Union before the loan funds hit the account. XXXX called Navy Federal after seeing the funds and notified them of this and the representative on the phone told him it was apart of the stimulus package bill just passed. So, XXXX interpreted this to be his stimulus payment. It was only a month after he received notice in XXXX, XXXX that this was a provisional credit given by Navy Federal and not his stimulus payment. XXXX was shocked as to why Navy Federal did not NOTIFY him once the bill was passed via his phone number, post on their website or their mobile website with all this information about the bill or any information about the advancement of credit and issuance of a loan to customers that would have needed to be repaid in full. I have explained that proper notice to customers was not given by Navy Federal Credit Union before the disbursement of funds. They never indicated it was a loan. They sent first notice only months after the issuance of a provisional credit and only after stimulus funds were received in customers bank accounts already. They did not give anyone the opportunity before disbursement to deny the funds to be deposited into bank accounts before it was disbursed to the accounts. The failure of Navy Federal Credit Union to provide notice of this matter has resulted in overdrafts with no protections. We explained to Navy Federal that more time was needed to repay a loan that was not authorized just deposited into accounts. The confusion happens because no notice was sent before the money just showed up in the bank account. It was deposited first then the notice of a credit came after the disbursement to accounts. There was not an opportunity to reject the funds. They just used the money to pay over the limit balances instead of allowing the customer to pay their own balances. Now they just putting accounts in the negative when the purpose of the stimulus relief bill was to help people not to be in a position of owing banks. More time should be given to at least repay the loans and not two 60 days unless you have signed an agreement of repayment under those terms of 60 days. These terms were not agreed to. If Navy Federal deposited the money they should be able to work out terms with customers on repayment and not put accounts in the negative. I am totally disappointed with this and this negative balance needs to be resolved immediately that Navy Federal has put me in due to them taking out {$660.00} on XX/XX/XXXX leaving my bank account negative. I can be contacted via email or phone Thank you XXXX XXXX | ||||||
| 06/10/2019 | Yes |
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Web | |
| On XX/XX/19 I noticed that there were unauthorized charges on my account totaling {$1300.00}. I immediately called Navy Federal regarding the unauthorized charges and was told they could not do anything until the charges posted to my account. The lady I spoke with made me feel as though she didn't believe me when we spoke stating that how can it be fraud when the original card was inserted. Well thieves can get a hold of anyones information these days. Also this fraud took place in Louisiana and I reside in Texas and was at work/home while these transactions took place in Texas. On XX/XX/19 I sent a message to Navy Federal regarding the status of my claim. They never responded until XX/XX/19 with this message : " Thank you for your eMessage, Ms. XXXX. A fraud claim has been filed on your behalf in the amount of {$1300.00}. We will provisionally credit your account for the unauthorized transactions within five ( 5 ) business days after receiving your fraud claim. Please note this is a temporary credit adjustment. If the merchant issues a credit, or if any of the charges in question are found to be valid, our provisional credits associated with those transactions will be reversed. Any fees associated with the charges will be refunded once the claim has been investigated ''. Navy Federal never provided the provisional credit. The same day on XX/XX/19 I received a message from Navy Federal Stating : We have thoroughly investigated your card fraud claim in the amount of {$1300.00}. XXXX and determined that no fraud has occurred. A letter has been sent to your address on file. If you receive secure electronic notifications from NFCU you will receive an eMessage through Online Banking. Your claim will be closed ''. How could you have possible spent enough time investigating a claim in 1 day! Navy Federal never sent me an other explanations. So I called and spoke with a representative in the fraud department and was told that I could appeal same. I told the representative that I filed a Identity Theft Report, after I had spoken with my local police department, this is what they advised me to do. The representative in the fraud department said great, send us a message stating you want to appeal the decision and state what happened and attach the report. He said this should be all the information we need to credit your account back. So I sent the appeal in on XX/XX/19 and attached the Identity Theft Report. On XX/XX/19 I received a message from Navy Federal stating the following : " Thank you for your follow-up eMessage. The additional information you provided has been added to your claim. We regret that the information provided did not change the outcome of our investigation. Based on a thorough investigation of your account activity, we have determined that no error has occurred ''. No other information was provided on what they did to come to this outcome and again did not provide a provisional credit and took less than a day to make a decision. I did my part by following the Federal Electronic Fund Transfer Act, and reporting this fraud immediately and within 60 days. This does not make since to me. Now I am tied up with overdraft fees and I can't pay the bills I need to pay. I also had additional cards compromised and those companies replaced my money immediately after sending in the Identify Theft Report. Navy Federal do your job and protect my account like any other Credit Union would do. I joined your bank thinking I was in good hands as members own shares in Credit Unions. Well I guess I was wrong you guys are just like publicly owned banks and care only about yourselves and not protecting your members. I ask that you please take a second look at this and do the right thing by crediting my account for the {$1300.00}. | ||||||
| 12/10/2018 | Yes |
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Web | Servicemember |
| I was XXXX weeks late on my Navy Federal Credit Union credit card payment XXXX months ago in XX/XX/XXXX, and they turned off my card and payment was declined at the grocery store, even though I was under the credit limit. This has never been done in nearly XXXX years with their credit card, even after over XXXX days late payment multiple times while living overseas doing a Masters degree on a strict budget with income checks often mailing and depositing late. When I then logged on to the Navy Federal website on XX/XX/XXXX, I was immediately given an other than normal screen, not the regular accounts overview page it has been for all these years, but a never before seen special credit card payment screen. Which had a prefilled amount of double payment ~ {$1000.00}, that I did not see an option to change the amount of. So I was manipulated to pay double when I wanted to just pay the late payment so I could buy the groceries. Then, the following month, last month I could no longer afford to pay my Navy Federal credit card bill XX/XX/XXXX, due to ongoing health and employment problems, and now waiting for a surprise court/legal document to process so I could pay that potential {$500.00} bill first, from my {$2600.00} savings remaining. I figured I would delay payment another month, or as many as required, before paying, or pay partial payment, along with any late fee like they have charged in the past. Come XX/XX/XXXX I checked my bank account online, no abnormal late/double payment screen presented this time, and I find that on XX/XX/XXXX Navy Federal on their own without my explicit transfer authorization, went and took the {$50.00} remaining from my Navy Federal savings account, and {$470.00} from my checking account, and paid the credit card themselves, and without notifying me, and after charging a " late fee ''. Interestingly as well, the over limit balance was the highest it has ever been at {$27000.00}, yet the minimum payment which they took, was not the highest ever, being midrange {$510.00}, so I don't know how they are calculating all my previous minimum payments for years that have been higher, but for lower total credit card balance. Anyhow, after messaging them, they said it is part of their credit card " security '' policy to take funds if you don't pay. I have never heard of this in nearly XXXX years, and do not agree to it, regardless of where it might be hidden in the " fine print ''. It has never been done before when a payment was late. This is theft. They can not arbitrarily access and take whatever funds they wish from the savings peoples lives depend on. I have requested multiple times for them to return the funds, and that I will pay that credit card when and however I can later as I have always done. They do not have a right to take and disrupt peoples finances, and as in my case, potentially get them sent to jail for not being able to pay court fees first. Especially disrupting peoples finances, deviating from norms, or taking peoples money when they are in a bind and need it most. Not to mention the fact that if they can just take your money if it's late, then why are they ever allowed to charge a late payment fee, or why even allow automatic scheduled minimum monthly payments, if they are going to take your money when they want to anyway? If you are charged a late payment fee, then that is your punishment, not taking that fee and then take the due amount money anyway. It is intentionally deceptive and dishonest practice. They do not even notify you that they will be, or did take the money, so you can plan accordingly. Who decided which accounts to take the money from, and why? Who decided how much to take from each account, and why? The issues involved in this can be expounded to no end. | ||||||
| 02/17/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2023 RE : Social Security Number : SS # : XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX, XXXX XXXX AFFIDAVIT OF FACT I, XXXX XXXX solemnly declare and affirm under the penalty of perjury that the following statements are true and correct to the best of my knowledge and belief : I recently received a copy of my XXXX XXXXXXXX XXXX XXXXXXXX credit report, and I noticed some late payments posted on my credit report : XXXXNavy federal XXXXXXXXNavy federal XXXXNavy federal XXXXNavy federal Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments and delete the accounts from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above-referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX account Navy federal XXXX | ||||||
| 02/09/2022 | Yes |
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| I had a credit card with Navy Federal Credit Union, currently closed but with a balance.. I have a written agreement for a reduced interest rate and lower payment ; for such agreement to be entered, I was required to close the credit card.. In XX/XX/XXXX, I called and spoke with a representative regarding inability to make that months payment ; he made exception arrangements and forebore that months payment. He indicated that it would still show up as late though, and gave me no additional information. Until this point, I had been making all of my payment obligations in full and timely manner. On XX/XX/XXXX, on my way to work as a substitute teacher for a low-income school, I stopped to purchase gas for my vehicle. I was in the middle of nowhere and my gas light was on. I had forgotten to stop the night before on my way home from the same school. My debit card declined at the pump and again in the store. I knew I had {$46.00}. in the account as I had checked the evening before. Upon logging into the app, I found my account balance to be zero and a pending transaction Transfer to Other 46.. It was still too early to call the credit union ; they werent open. I was stranded 20 miles from home and 20 miles from work with no gas and no money to buy gas. I called later in the day and I was told that the funds were transferred to satisfy the late payment on the credit card. It required the representative several minutes of research to find what the other meant on my account as there was no reference to why it was drafted. I referenced the agreement entered with the representative the prior week and I was told they dont have to honor any such agreement. They refused to give the funds back or return them to my account. They did it again the next day always keeping my bank account balance at zero, taking every penny. Same result : no notice, just garnished my money from the checking account. Again, they refused to return the funds. No notice. No email or letter whatsoever indicating they were going to or had the authorization to garnish my bank account. No court order nor appointment to give me a chance to dispute the process or find alternative means of meeting the debt obligation. I informed NFCU that they would never get a penny from me again on this credit card until they righted the wrong and returned the stolen funds from my account. On XX/XX/XXXX, I notified my current employer of the bank change. They canceled the XX/XX/XXXX direct deposit to Navy Federal, and once confirmed that they had received the funds back, deposited the paycheck into my new account at my new bank. Meanwhile, even as that direct deposit was on pending status in the navy federal checking account, Navy Federal garnished the entire balance of {$230.00} and transferred it to the credit card. On XX/XX/XXXX ; I received notice from my employer that Navy Federal accused me of spending that direct deposit and took it back from my employer. Now my employer is garnishing {$50.00} per paycheck to pay the balance. Some of my paychecks do not even cover that balance while the most I ever earn is {$500.00} ; that is more than any legal amount of garnishment allowed by any court system. I didnt spend that money, and Navy Federal had no legal right to garnish it. Navy Federal has not changed its debt collection practices as they were required to do so. They continue to harass and illegally garnish bank accounts of its members, even if they have a standing payment arrangement, with no notice, fair warning, or even that it could happen. Then they lied to my employer and took the money from them, forcing my employer to now garnish my paychecks at a balance above and beyond legally allowed as well, also without any court order. https : XXXX | ||||||
| 04/16/2020 | Yes |
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| Due to the pandemic, cover, i request assistance from NFCU. And i was advise that in order for a 3 month deferment which i requested and provided my reason as they requested must first be one day past due on all my accounts. When my accounts ( 2crefit cards and one signature loan ) become one day late. When one of my credit card was one day late I then requested for the 3 month deferment. NFCU appears to be giving me much hardship with my request. Please e message thread below from NFCU. I had to reopen my request again with them and had to start all over. I got an email sent to me telling me that I am now delinquent. I have been requesting this deferment for awhile and to this date they do not. It appears they are giving me more hardship for just applying for a 3 month deferment. Why do I need to wait when all my accounts become delinquent? Why can all my account be deferred one time. I been having hardship due to this pandemic as I am now the sole income in my household and I have had to be on a budget just to make ends meet. Please assist me. If it was for this pandemic cover, I would not be asking for this deferment. I have always made my payments on time. e message below. Navy Federal Response XX/XX/XXXX : We can confirm that would be correct. However, your credit cards are revolving debt and will not reflect a past due status until after your statement cycles and your next due amount generates. For your Visa XXXX XXXX XXXX that would be after XX/XX/XXXX and for your XXXX MasterCard after XX/XX/XXXX. If you have further questions, please let us know. Your Message XX/XX/XXXX : Just a follow up on my request and your response regarding your recent statement regarding deferment ; You mentioned that inorder to avail of a 3 month deferment, I must first be one day past due my due date. Does that mean that for each of my accounts, I must first wait one day after my due date and then request for deferment each time. That means I must submit 3 individual request at different days of the month, one for my credit card due XX/XX/XXXX, then another due on XX/XX/XXXX and the last one due on XX/XX/XXXX. Please advise. Thank you. XXXX XXXX Your Message XX/XX/XXXX : Please advise whether I can avail of this below. Thank you. Navy Federal Response XX/XX/XXXX : We can confirm your accounts would have to be in a delinquent status to be able to change your loan due date from XX/XX/XXXX to XX/XX/XXXX and your Visa XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and your XXXX MasterCard from XX/XX/XXXX to XX/XX/XXXX. As the accounts would only need to reflect as one day past due there would be no negative impact on your accounts. We again are offering two month payment extensions to all our impacted membership. Therefore, please provide us more information on which law you are referencing that states a 90 day 3 month extension is being provided by all Credit Unions. We look forward to hearing from you as soon as possible. Your Message XX/XX/XXXX : Please advise whether I can avail of this below. Thank you. Navy Federal Response XX/XX/XXXX : We can confirm your accounts would have to be in a delinquent status to be able to change your loan due date from XX/XX/XXXX to XX/XX/XXXX and your Visa XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and your XXXX MasterCard from XX/XX/XXXX to XX/XX/XXXX. As the accounts would only need to reflect as one day past due there would be no negative impact on your accounts. We again are offering two month payment extensions to all our impacted membership. Therefore, please provide us more information on which law you are referencing that states a 90 day 3 month extension is being provided by all Credit Unions. We look forward to hearing from you as soon as possible | ||||||
| 11/04/2023 | Yes |
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| On XXXX XXXX XXXX I applied for a Navy Federal Flagship Rewards credit card with the value of {$80000.00} using my Social Security Number / Card, which is referred to as a Credit Card by congress under 15 USC 1602 ( L ) which states : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. My application for open-ended credit was denied which is a violation of 15 U.S.C. 1691 : Scope Of Prohibition which highlights the following : ( a ) Activities constituting discrimination : It shall be unlawful for ANY creditor to discriminate against ANY applicant, with respect to ANY aspect of a credit transaction this includes but not limited the following denial reasons : -Applicants has no recent information about revolving accounts on his/her report -Applicants credit history -Applicants income & its origin -Applicants Credit Score Denying me access to my Open-ended credit is an act of discrimination. According to 12 U.S.C. 1431 : Powers and duties of banks ; Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations which means banks can not lend anything to a consumer who is a natural person and the original creditor because theyre operating on bankruptcy under house XXXXoint resolution 192 abortration of gold clause. According to Public National Credit System & House Joint Resolution 192 debt is LEGAL TENDER money. Which means my income regardless of amount or origin can not be discriminated against because all debt is legal tender money and is prepaid. Tender means the following : Tender is to unconditionally offer money or performance to meet an obligation. The term most commonly arises in the context of the contractual sale of goods. As a secured party creditor who is a natural living person under the UCC file number ( # ) XXXX that has initiated a consumer transaction with an application According to UCC 3-103 : " Consumer transaction '' means a transaction in which an individual incurs an obligation primarily for personal, family, or household purposes. My application makes me the drawer : " Drawer means a person who signs or is identified in a draft as a person ordering payment. Which makes Navy Federal Credit Union the drawee : " Drawee means a person ordered in a draft to make payment. In Good Faith, I hereby kindly instruct Navy Federal Credit Unions Lending Team to approve my Consumer Transaction/Application after a reevaluation. Accordinging to the Bill Of Exchange Act it states A bill of exchange, a short-term negotiable instrument, is a signed, unconditional, written order binding one party to pay a fixed sum of money to another party on demand or at a predetermined date. A bill of exchange is sometimes called draft or draught, but draft usually applies to domestic transactions only. The term bill of exchange may also be applied broadly to other instruments of foreign exchange. I Also Instruct Navy Federal Credit Union to mail my Navy Federal Flagships Reward Credit Card to the address listed on the application and apply {$80000.00} to the credit card each and every billing cycle for set off. Set Off Means : The right of someone who owes money to subtract from the debt any money owed in the other direction. This Means Im not obligated to pay any of the debt owed and have the right to accept the value and return it to Navy Federal Credit Union for settlement of the bill. XXXX XXXX XXXX XXXX, Principal Natural Person, In Propria Persona, Suit Juris All rights Reserved Without Prejudice U.C.C. 1-308/ 1-103 | ||||||
| 06/28/2022 | Yes |
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| I am filing a complaint against my credit card company Navy Federal Credit Union. I had both a transaction that posted to my account and my credit card statement closing date occur on XX/XX/XXXX, which was observed this year as the federal holiday XXXX. Being that the holiday is XX/XX/XXXX, the fact that the holiday occurred on a Sunday it was observed on Monday, XX/XX/XXXX. Banking institutions along with the Federal Reserve were to be closed on Sunday and Monday in observance of the holiday. I received my credit card statement, and it appears that a transaction that was made on XX/XX/XXXX, posted to my account on XX/XX/XXXX. I also had made a credit card payment on XX/XX/XXXX, that should have also posted to my credit card account for the billing period, however my credit card payment did not process and post to my account until the following day XX/XX/XXXX. This has caused a hardship for me because I initiated my credit card payment before the XXXX transaction that posted when my account statement closed on XX/XX/XXXX. Both transaction and credit card payment was initiated on XX/XX/XXXX, so therefore if the transaction posted to the credit card account the payment should have posted as well. The fact that there was any activity that posted to the account on a federally observed holiday is indeed concerning for me. For the past several months I have paid my credit card balance in full, or more than the minimum payment, always keeping the credit card balance with a credit to debt ratio lower than 8- 10 %. The fact that my payment did not post to my account, which would have brought my balance to zero dollars owed, has affected my credit tremendously. My payment should have posted for this payment period, as my payment should had posted XX/XX/XXXX, and my credit card statement should have also closed XX/XX/XXXX, and not on XX/XX/XXXX, a federal holiday, where all banks and financial institutions were to be closed. I am filling this complaint as I have reached out to Navy Federal Credit Union several times to ask why this occurred with my account. I have been unable to get any legitimate answers to the cause of my statement closing on XX/XX/XXXX. Navy Federal Credit Union also fails to provide me with any resolution to fix the problems that has occurred with the reporting of this account to my credit profile. This account is now appearing on my credit that I am spending over 48 % of my available credit. This is inaccurate as it should report that I am spending 0 % of my available credit. My payment was made in a timely manner and should have processed on XX/XX/XXXX, and my closing statement date should have also occurred on XX/XX/XXXX, and not XX/XX/XXXX, when banks were due to be closed in observance of the XXXX holiday. I do believe that there are regulations set forth by the Federal Reserve that monitors financial institutions to make sure that they adhere to the policies and regulations that are put in place for businesses and consumers. I do feel that my rights have been violated and my personal credit has taken been affected negatively because of this non-compliance by Navy Federal Credit Union. Please see the documents that I have attached to this complaint. I have attached my credit card statement. I have also attached the current view of my credit card account, showing that my credit card payment occurred on XX/XX/XXXX and the XXXX transaction occurred on XX/XX/XXXX. My payment did not post to the account, but the XXXX transaction did post on XX/XX/XXXX. The credit card payment was initiated on XX/XX/XXXX around XXXX and the XXXX transaction was initiated XX/XX/XXXX around XXXX. My payment should have posted as it was made before the XXXX transaction . | ||||||
| 01/15/2022 | Yes |
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| I was a victim of identity theft I dont no how my credit card information was obtained or by whom, I did lose my phone in early XXXX and I do have all ove my credit card information in my wallet on my phone so it could have been from that or when I go thru a drive thru for food and I pay with my card at that point I am handing my card to a stranger usually a young kid and they sometimes go out of view for a while so it could have been that truthfully I do not no for sure how it was done. What I do know it was done and my personal credit cards that I opened and use on a daily basis were used for that same fraudulent charges and every single bank that investigated the situation all included it was in fact fraudulent charges and they were removed from my credit card statement balance even the bank I am complaining about right now they concluded on one of my credit cards that had fraudulent charges that they were in fact fraudulent charges and on my other credit card I have with them they said they didnt find anything out of the ordinary and they werent going to honor my fraud protection rights. Same bank two credit card accounts 2 separate investigators 2 very different conclusions. So I called up for explanation when I saw the charges were back on my account and I was told that the investigator didnt think they were fraud on that one account because the charges were done in my name and my business name which so happens to be my code word. That basically told me that this investigation was non existent because I did my own investigation and called the merchant where these charges came from and they explained to me that 99 % of their fraud when its done its done exactly the same way my fraudulent charges were done because it increases the thiefs odds of success & like I said every other investigation from multiple banks from multiple other qualified investigators all came to the same conclusion that this was in fact fraud. I have a police report regarding the issue and filed a ftc report. Since they closed my case and rejected my claim with out a fair and just investigation I have called 2 different occasions and I requested them to reopen and requested an appeal I was told to do so thru the mobile app which I did, the only response I received was instructions on how to file an appeal after I already requested one so I did it all over again and I answered each and every question they wanted and gave them a very through explanation and I uploaded my police report which was approved and investigated by the financial crimes division and they found it to be creditable and approved my complaint and report. So I just want the same thing to happen here I didnt make these charges I did not be if it from these charges I did not receive any type of merchandise or compensation from these charges and I never gave any one person or entity to use my credit for any purchase I never have and I never will. My credit is so important to me and I rely on it for my everyday life and to operate and expand my business due to this and the impact on my credit utilization my scores dropped almost 200 points from XXXX to XXXX and now I can not get the mortgage I was in process of applying for. So I am requesting the bank to XXXX my appeal remove all of these fraudulent charges while they do a real investigation like there other XXXX did and then I know I will be vindicated and they will protect me from this fraud that occurred. Other than this I love this bank they were always great to me and I want to continue to be a part of their family for the rest of my life but I need them to do whats right here because if they dont its going to hurt me and my family for many many years of financial struggles. | ||||||
| 01/26/2021 | Yes |
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| I checked my credit on XX/XX/XXXX do too I keep on top of it monthly. I noticed I had two late pays showing for XXXX and XX/XX/XXXX. I immediately called NFCU to inquire what is going on, as I was in a covid-19 program in which protects me from getting any late dings on my credit and allows me to either continue making payments or none at all until my extension expires. I sent NFCU a full description of my concern and inquired why they hit me with two late pays while in a covid-19 protection program. I was told it had expired end of XXXX. I stated that I had re-enrolled as soon as it expired, I quickly responded that I had called back the first of XXXX and had it renewed and was told, my 2 accounts would be placed back into the program as before. No problem, same procedure as my first enrollment. Fast forward, I receive a call mid XXXX from a NFCU rep inquiring about my payment and stated that I was in the Covid-19 protection program, the rep told me that it had expired, I was like NO WAY, I re-enrolled as soon as the first one expired as I was having some financial issues due to job loss etc and trying to make payments when possible. I explained to the rep the conversation I had as soon as the 1st extension was granted, he assured me all would be ok and he would go ahead and re-enroll me. I was freaking out and asked had NFCUs negligence of noting my account caused me to get a late charge on my credit. He said no. I said well I am attempting to make payments as I can and he did inform me that the payment for XXXX which I tried to make on XX/XX/XXXX had returned. I said yes I knew that but still wanted to try and make payments even while in this program. To that he stated the following. Hello, Mr. XXXX. We did not receive a response from the eMessage, confirmation number # XXXX ; therefore, no payment extension was submitted for your XXXX payment. The last extension provided for your New Vehicle loan was on XX/XX/XXXX changing your due date from XX/XX/XXXX to XX/XX/XXXX. Additionally, our records indicate your payment of {$1000.00} for your New Vehicle loan returned on XX/XX/XXXX bringing your account multiple payments past due. After much discussion and telling him that I called in and spoke to a representative about my next extension as I did not go through the email system. I wanted to talk with a live agent, so I held the line for over an hour to do so. He told me in fact not to worry he would ensure all was noted properly and ensured me that He would re-enroll my accounts. Fast forward, i checked my credit on Friday as stated above and to no avail there is the two late charges and I started communicating with NFCU regarding such and they BLAME me for not contacting them when in fact they ABSOLUTELY did NOT note my account as they stated as I WAS STILL struggling and had every account I own under protection during this pandemic. Even To think that this is ok and acceptable because they failed knowing the crisis we are in not just as an individual but as the entire world and NFCU has the audacity to blame me. I challenged them to pull my credit and see that this 1 account is the ONLY account in all of my credit file showing late. When I have done and did ALL I could possibly do during this pandemic to make sure all of my accounts were protected and I would NOT be hit with late fees as we worked our way through this crisis. NFCU failed to note my account and re-enroll me back into the program and has failed epically on taking responsibility for their lack of taking care of their clients! I asked them to retract their late marks on my credit file and show that I am current on this one account due to I was told I was re-enrolled back into the covid program. | ||||||
| 03/26/2021 | Yes |
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| I XXXX XXXX entered into a consumer credit transaction with Navy Credit Union in XXXX of 2019. This is a consumer credit transaction in which a finance charge was involved.15 Usc 1605 defines a Finance charge as the sum of all charges in a consumer credit transaction. a finance charge also doesn't involve Cash but Navy federal has take cash. the finance charge is also supposed to cover my premium which is required in order for me to take the car off the lot but Navy Federal Made me purchase my own Premium. pursuant to that same law the Finance charge is all I'm responsible for paying no other fees Directly or Indirectly should be included in the purchase. this is a huge violation of my consumer rights and pursuant to the law 15 Usc 1611 any creditor who willfully or knowingly provides false information under that subchapter should be fined or imprisoned for at least one one year. further more I've also been harmed in this consumer credit transaction because I was also not provided any paper work or any documents that grant me my right to rescind. Navy Federal is in violation of 15 usc 1635 as it states any consumer credit transaction that Includes a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. By Navy Federal Failing to provide me my rights a consumer in a consumer credit transaction they have also violated another law which is Pursuant to 15 USC 1640 any creditor who is In Violation or fails to comply to law 15 USC 1635 the consumer is owed twice the finance charge. Navy federal has impacted my life by breaking many laws after the consumer credit transaction they have continued to harm be by Furnishing Deceptive forms. they send me a statement that does not state this is an attempt to collect a debt or a debt that is a in a negative balance. but they send me a statement that is in a positive balance but also made me assume that I owe them something these statements that they have sent me have a list of violations which include and I've also proved proof 6 months worth there is a lot more 15 USC 1692J Furnishing Deceptive - finance charge, statements, promissory note 15 USC 1692E False or Misleading Respenstation- the finance charge, the amount financed, the amount that will be paid after all the monthly payments. 15 USC 1692F unfair practices- using any langue or symbol on the mail or telegram that illustrates that you are in the debt collecting business ive Pointed out many ways I've been Harmed by Navy Federals Abusive Debt collection practices. Ive had loss of sleep, degradation, emotional distress in the form of embarrassment, anxiety, pain and suffering, other non-pecuniary losses to the harm Navy Federal has caused which is entitled to other appropriate equitable relief | ||||||
| 10/05/2017 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I went on line and attempted to pay XXXX auto loans with Navy Federal. I used the website as I had done in the past. Twice I attempted and received in red letters internal error. Nothing that would indicate anything was processed. I called and was informed XXXX loan payments were pending even if I could not see they processed ( One improvement would be a text or email confirmation system by NF ). One payment was a duplicate. I would not have known if I had not called. I asked that the duplicate be cancelled. Around the XX/XX/XXXX I received a phone call from Navy Federal saying the XXXX payments were not made. I went on line and attempted to process. The system was gave me an internal error notice. OnXX/XX/XXXX I attempted a few more times and called NF and was informed once again there were XXXX payments processing XXXX for XX/XX/XXXX and XX/XX/XXXX. Again as in XXXX XXXX I cancelled both payments and asked that XXXX more be processed by phone so I did not have the same issue. I was told using the payment by phone was the only option I had since the account was flagged and also the only option where you could have any confirmation. I think maybe a fee was involved. I could be wrong. I asked for written confirmation by email and as of yet I 've not received anything. When I asked XXXX of the XXXX collections department to query the " digital '' department regarding the internal error messages he informed me ( after a long wait ) that the internal error was a flag in the system that would not allow me to make any payments because I was late making XXXX 's payment. Aside from the absurdity of a system where someone owes a payment and they can not make a payment I asked if he had in fact cancelled payments on the XX/XX/XXXXthat were processed via the NF online system. He confirmed that he had cancelled payments. Payments he had been informed were impossible to make in the system due to the flags. He agreed something must not be working correctly. There are issues with the system. It happens. I asked that they investigate. No big deal. The problem is it is a big deal, because NF automatically notifies the credit bureaus or they " think '' they do automatically, but there is actually no one working in any department and they refused to allow me to speak with anyone with any knowledge of the reporting criteria or protocol. They could only answer using a " script '' I waited on hold to speak to a " supervisor '', but XXXX eventually came back on the line and advised he had spoken to the supervisor and he would not speak to me. The answer was after the fact I could dispute. Not good enough. I want some answers. In the past credit bureaus have not accurately reflected my histories or the histories of so many of my soldiers especially during deployments. It is my personal belief that credit bureaus are criminal enterprises used by banks to drive rates higher and generate fees. I wish I could say I had faith in any regulatory body, but that has not been my experience. These banks have too much power and pay off too many. I know there is little change to win this fight, but I want an explanation as to why my family and I should suffer because NF 's systems do n't work. Do the right thing. Give me a accounting of what was reported. Fix your system and by the way make it easier to pay not harder if someone is late. If you did put something negative on my credit file. Fix and make it accurate. We did all we could. If we are going to allow so many businesses to price their products and services using information from the bureaus the least we can do is have some due process. Oh let 's trust XXXX .... I am sure they will do the right thing. XXXX XXXX XXXX. ) XXXX | ||||||
| 05/04/2023 | Yes |
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Web | Servicemember |
| This is my curtesy notice of a Billing Error- Since XX/XX/2022, there has been a billing error associated with account no. XXXX with financial institution NAVY FEDERAL CREDIT UNION. The billing error has occurred since the inception of the account defined in 12 CFR 1002.2, where I extended my credit. Pursuant to 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It can not be considered late because I am the one who extended the credit to NAVY FEDERAL CREDIT UNION through the credit application from my credit card defined in 15 U.S.C. 1602 ( m ). The application served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. To which NAVY FEDERAL CREDIT UNION has chosen to not apply the credit to the open end account. This is considered an unauthorized use since I have received NO BENEFIT and SECURITY FRAUD BY ILLEGAL ELECTRONIC FUNDS TRANSFER. Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement. In addition, I have noticed that NAVY FEDERAL CREDIT UNION have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). By Overall enforcement authority of Federal Trade Commission 15 U.S.C. 1691 ( c ), the creditors assume a criminal and civil liability pursuant to 15 U.S.C. 1693 ( m ) & ( n ). NAVY FEDERAL CREDIT UNION has violated my secured federally protected consumer and constitutional rights. I demand all credits be returned on all remittances/coupons at the inception of the accounts. Furthermore, the open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) that is on file with account no # XXXX and security instrument by the applicable law ( 15 U.S.C. 1602 ( j ) ) while choosing to make unauthorized electronic fund transfers ( 15 U.S.C. 1693f ( 1 ) ). Balance will be zeroed on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This BILLING ERROR dispute is for past, current, and future certificates of indebtedness under this contract. They are to apply to my extension of credit as long as there is a contract that is in place. This is being brought about due to security fraud. The creditor has been given an asset and has chosen not to provide me with the benefit of it. We have a contract and there is no statue of limitation on security fraud. The Purchase money loan, which is a cash advance, and not a loan, was given to me in return for a Finance Charge pursuant to 16 CFR 433.1 and yet Navy Federal chose to send deceptive statements through the mail which is mail fraud also. The creditor has furnished deceptive forms. Provided negative statements to third party credit bureaus which is also a violation of the code of federal regulations and HR 4120. Attached to this complaint is a copy of the registered mail, RF 112 176 360 US, ATTENTIONED to the indentured trustee of Navy Federal Credit Union Dispute Center. Sent to the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Through telephone conversation on XXXX, around XXXX, the call are recorded, that is the address I was told to send billing error disputes. The indentured trustee is to be on the look for this correspondence. | ||||||
| 12/14/2023 | Yes |
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Web | |
| On XX/XX/2023 I contacted Navy Federal Credit Union regarding account XXXX of my exercising my federal right as a consumer to opt of reporting to XXXX, XXXX and XXXX. According to the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report. Transaction history should not be reported unless otherwise directed by the consumer. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Navy Federal Credit Union is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navy Federal Credit Union- the financial institution , and the consumer reporting agencies XXXX, XXXX and XXXX XXXX not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Navy Federal Credit Union whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Navy Federal Credit Union never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, this account is shown on my credit report as a XXXX from Navy Federal Credit Union XXXX credit report attached ). The IRS clearly states that a consumer should receive a 1099-C filed by the financial institution with the IRS for that Charge-Off. The IRS and FCRA clearly states that income can not be reported to a consumer report. | ||||||
| 05/22/2022 | Yes |
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Web | |
| I FIRST APPLIED FOR A MORTGAGE WITH NAVY FEDERAL CREDIT UNION ON LINE IN XXXX OF XXXX.I COMPLETED ALL THE ON LINE PAPERWORK AND WAS GIVEN A PRE APPROVAL LETTER AND WAS ASSIGNED A REAL ESTATE AGENT BY NF. UNFORTUNATELY I LOOKED FOR THE PERFECT HOME FOR MONTHS. SINCE IT WAS DURING THE PANDEMIC IT WAS HARD. I KEPT GETTING OUT BIDDED OUT PRICED AND ONE DAY THE HOUSE WAS THERE THE NEXT IT WAS GONE ... LOOKD HOPELESS I FINALLY FOUND A HOME IN THE EARLY PART OF XXXX BUT TO MY SURPRISE I HAD TO REDO THE LOAN I WAS JUST HAPPY TO SOON BE A HOME OWNER AGAIN SO I DID THE PROCESS BEGAN VERY SMOOTH UNTIL IT APPEARED THAT MY LOAN OFFICER XXXX XXXX APPEARED TO BE UNCOMFORTABLE WITH ME BUYING A {$450000.00} DOLLAR HOUSE. I KNEW THIS BECAUSE SHE REPEATED IT TO ME AS IF I DIDNT KNOW THE ASKING PRICE BUT I IGNORED IT THE NEXT WEIRD THING WAS AFTER GIVING AND SIGNING ALL THE DOCUMENTS SHE ASK FOR SHE THEN BEGAN TO QUOTE HOW MUCH I WOULD PAY IN TAXES FIRST QUOTE WAS XXXX XXXX DAYS LATER IT CHANGED TO XXXX AND AGAIN XXXX I KNEW THAT IT WAS SOMETHING INCORRECT ABOUT THIS BUT SHE WAS THE PROFESSIONAL SHE THEN NEEDED VERF OF INCOME FROM EMPLOYER AFTER SPEAKING TO SOME ONE SHE STATED THAT I DIDN'T WORK THERE XXXX XXXX HAD CALL SOME RANDOM PERSON SHE CLAIMED THAT TOLD HER THAT. BUT NEVER CALLED MY DIRECT SUPERVISOR WHO CONTACTED HER STATING THAT THE CALL DIDN'T COME TO HER AND XXXX ( XXXX XXXX XXXX XXXX CAN NOT GIVE OUT ANY INFO ON A STAFF WITHOUT CONSENT MY RECRUITER STATED THAT NO ONE CALLED HER BUT MY BOSS STATED THAT THEY WILL EMAIL HER MY JOB VERF ASAP BUT XXXX XXXX SUBMITTED IT TO UNDERWRITERS ANYWAY. NO TO MENTION THE CONSUMER PAYS TO PLACE AND APPLICATION TO DATE I HAVE PAID NF {$100.00} DOLLARS AT 20 FOR 1 PERSON 40 FOR TWO. WHICH APPEARED TO BE A SCAM BECAUSE. DURING THE PROCESS ARE NOW COUNSELED IN THE IN 'S AND OUT 'S AND NEVER WALKED ME INTO THE HOME BUYING PR1CESS SHE LATER TOLD ME THAT I HAD TO REAPPLY SHE DIDN'T EVEN HAVE THE APPLICATION A WEEK NOW I HAVE TO PAY AGAIN AND SHE PULLED MY CREDIT AGAIN MY DENIAL LETTER CAME AND I WAS DENIAL FOR THE INCOME VERF AND INCOMPLETE APP BUT HOW IF I FINISHED IT AND THEY CHARGED ME. XXXX XXXX HAD STATED THAT ALL I NEEDED WAS MY OFFER LETTER FOR MY NEW JOB. TO WHICH SHE WANTED MY NAME ON IT THE DATE OF HIRE AND THE RATE OF PAY. THE LETTER SHE WAS EMAILED BY MY BOSS WAS A LETTER ADDRESSING ALL BUT BECAUSE I WORK IN TRANSPORTATION THE LETTER ADDRESSED THE CITY SIDE AND SUBURBAN SIDE AND HAD 2 RATES BECAUSE WE HAVE DIFFERENT UNIONS AND PAY RATES AND REFUSED THE LETTER ALSO THE LETTER HAD A CONTINGENCY THAT CLEARLY STATED THAT IF WE DIDN'T TAKE THE XXXX PREP COURSE AND PASS THE XXXX PERMIT WITHIN 3 WEEKS THAT WE COULD BE DROPPED FROM THE PROGRAM THE LETTER WAS DATED XX/XX/XXXX SHE GOT THE LETTER IN LATE XXXX EARLY XXXX SO I SUBMITTED YET ANOTHER APP AGAINST MY BETTER JUDGEMENT BUT THINKING AS SOON AS I GET HER ANOTHER LETTER THE LOAN WILL BE APPROVED BUT NOW XXXX XXXX WAS SAYING IT MONEY WAS OVER ABOUT XXXX AND I NEEDED TO PAY OFF MY CAR AND MY SON 'S CAR AND PUT DOWN XXXX REASON MY CREDIT SCORE WENT DOWN ( BUT IT SEEMED LIKE WHEN YOU SAW WHAT I HAD IN MY ACCOUNT YOU CAME UP WITH THIS AND YES BECAUSE YOUR PULLING HARD INQUIRES. THE IN AND IT SEEMED LIKE SHE WAS DOING IT ON PURPOSE TO MESS UP MY CREDIT. THIS LADY MADE ME SO CONFUSED. I CONTACTED HER BOSS WHO ONLY MOCKED AND YELLED AT ME THE ALSO CONTACTED MY AGENT AND GAVE THEM INFO THAT I REQUEST NOT TO BE SHARED AS SHE CLAIMED SHE HAD TO KEEP CONFIDENTIAL. SHE ONLY SENT IT TO ANOTHER XXXX STAFF MEMBER THAT SEN IT HORRIBLE AND WORST EXPERIENCE IN THE WORLD I WILL NEVER RECOMMEND THEM TO ANYONE NOTE THEY DENIED ME AGAING THIS TIME TOO MY INQUIRES ' MOST IF NOT ALL BELONG TO NF | ||||||
| 01/13/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX Navy provided a reply regarding this dispute in response to my response to the requests made by Navy CU. Please keep the Requirements set forth by the Fair Credit Billing Act ( FCBA ) laying out consumers ' rights to dispute credit card issuers ' charges. Charges must be over {$50.00} to be eligible for dispute. They may be unauthorized, display an incorrect date or amount, or contain calculation errors. If a good or service was not delivered, that charge can be disputed. The card issuer has 30 days to acknowledge receipt of a complaint. They then have two billing cycles to complete their investigation ; during that time the issuer is not allowed to try to collect the payment, charge interest on it, or report it to credit bureaus as late. If the card issuer finds that the disputed payment was invalid, it must correct the error and refund any fees or interest charged as a result. If it finds there was no error, it must explain its findings and, upon request, provide documentation to back them up. I have not received any notice of any investigation has occurred, or the results of such investigation. If Navy did conduct an investigation, I once again request documentation to back up the findings. Please keep in mind the card issuer has 30 days to acknowledge receipt of a complaint. They then have two billing cycles to complete their investigation ; during that time the issuer is not allowed to try to collect the payment, charge interest on it, or report it to credit bureaus as late. To date, Navy has tried to collect payment for the amount in dispute and charged interest on it, violation FCBA statutes. Your reply as shown below failed to address my response to your request for documentation. Nowhere in the FCBA is there a provision requiring the consumer to provide the documentation requested. If such documentation existed there would be no dispute between myself and the merchant, which is my right to have investigated and charged back. My original reply provided the pertinent FCBA, XXXX, or XXXX dispute resolution guide requirements, and consumer rights. However, this seems to have been ignored yet again, as you are still asking for things that are not required, and had I such documentation there would not be a dispute between myself and the merchant. However, as there is a dispute I have invoked my rights under applicable laws when I submitted my original dispute, which is attached below. The key points are I invoke my rights under UCC 4214, issued 2002 to chargeback and refund this transaction. o Currently, these rights under this and other statutes are being violated by Navy. I requested a temporary credit if the dispute in question takes significant time to investigate. The dispute was according made per XXXX XXXX Reason Code 4831 or 4834 under the newest XXXX dispute resolution guide. o It indicates that the transaction amount wasn't what I, the cardholder agreed to. o These chargebacks are usually caused by a merchant failing to notify a customer of a change in the transaction amount. o When the conditions of a purchase change and the price is affected, merchants may sometimes make adjustments without first notifying the customer or seeking a new authorization approval. o When the cardholder is unaware of these adjustments and did not agree to pay the new amount, they have grounds to dispute the transaction. o In some circumstances, cardholders may be asked to approve a variable amount to be charged later. If the transaction exceeds the maximum amount they agreed to pay, they can dispute this charge on the basis that the overcharge was unreasonable. Attached are our correspondences thus far. | ||||||
| 02/02/2017 | Yes |
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Web | |
| XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern Navy Federal Credit Union : On Tuesday, XXXX XXXX, XXXX, I purchased a vehicle from XXXX XXXX in XXXX, Maryland. About an hour later the vehicle 's steering wheel and the tires started making a loud noise when I made turns and smoke came from the tail pipe. I called XXXX XXXX and they told me they could fix it. I told them that I did not want the vehicle. I informed the owner that I was returning the truck. There was nothing in my paperwork that stated that you could not change your mind. ( XXXX, XXXX remorse, etc. ) On Tuesday, XXXX XXXX, XXXX the same night, I called Navy Federal Credit Union ( NFCU ) and explained to them what happened. Navy Federal told me that I could cancel the loan that night over the phone, but I had to cancel the check in person at the Branch and the check can only be canceled if I came into the Branch before the check was cashed. Navy Federal told me to return the vehicle and keys to the dealer. On Wednesday, XXXX XXXX, XXXX, I went to Navy Federal in person at XXXX to cancel the check and loan - in person. The check and loan was canceled. I then received a check ( in lieu of the canceled check ) and a loan to purchase a new vehicle. On Wednesday, XXXX XXXX, XXXX, at approximately XXXX I returned the vehicle and keys to XXXX XXXX XXXX XXXX . I informed the owner again that something was wrong and he insisted that they could fix it. I told him that neither I nor the credit union wants to buy a vehicle that needs to be fixed. I gave him the keys and left the truck. On Wednesday, XXXX XXXX, XXXX, at approximately XXXX XXXX, I canceled the insurance for the vehicle with progressive insurance. On Thursday, XXXX XXXX, XXXX, I received a call from XXXX XXXX - informing me that they cashed the check and it cleared and the truck is mine and they were going to report it as a repo on my credit report. On XXXX XXXX, XXXX Navy Federal rejected the check, as they should have because I canceled the check and the loan. On XXXX XXXX, XXXX, XXXX XXXX sent the check through again and it was paid by NFCU. On XXXX XXXX, XXXX, I visited the NFCU Branch, and I was informed that XXXX from XXXX XXXX called NFCU on XXXX XXXX, XXXX and informed NFCU that I had the vehicle in my possession - that 's why NFCU paid the check. NFCU called XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX informed NFCU that I had the vehicle in my possession. I have not seen or touched that vehicle since I returned it on XXXX XXXX, XXXX. NFCU informed me to go to the dealer and ask them to give a payoff check to NFCU and to call the police. I spoke with XXXX, just in case XXXX XXXX tried to put tags in my name, and they told me to call the police, also. On XXXX XXXX, XXXX, I called the non-emergency police number and a Sheriff met me at XXXX XXXX. The Sheriff told me to wait in the car and the Sheriff told me that XXXX XXXX said the vehicle as parked out back with the keys in it. The Sheriff told me that at this time it was nothing they could do but document the incident and he would be as detailed as possible. About 4 hours after leaving XXXX XXXX ( on XXXX XXXX, XXXX ) I received a XXXX from XXXX XXXX ( dated XXXX XXXX, XXXX ) informing me to pick up the vehicle and that they were going to charge me {$35.00} per day for storage. ( This proves that I do not have the vehicle. XXXX XXXX lied to NFCU ). On XXXX XXXX, XXXX, I called Navy Federal and informed them of the visit to XXXX XXXX with the Sheriff. To this date, I have spoken with many times throughout this ordeal ( too many times to track and count ) Navy Federal employees on the phone and in person regarding this issue. It 's like speaking to | ||||||
| 04/09/2017 | Yes |
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Web | Servicemember |
| This criminal complaint contains allegations of mortgage fraud, bank fraud, wire fraud, collusion and several other elements of fraudulent white collar crime under the color of authority, almost verbatim as depicted on the Federal Bureau of Investigation ( FBI ) website. As depicted by Escrow Document # XXXX, XXXX County, California, I sold my house and closed escrow on XX/XX/XXXX, as a normal sale. A Full Reconveyance Document # XXXX was issued by XXXX XXXX XXXX of NFCU, filed under XXXX and dated XX/XX/XXXX. A Payoff letter from NFCU, dated XX/XX/XXXX preceded the Reconveyance Document. A check in the amount of {$24.00} ( check no : XXXX ), dated XX/XX/XXXX, was subsequently mailed to me implying money owed to me. All corroborative documents shall be forwarded or emailed upon your request. The transaction contained no foreclosure or short sale of the property located at XXXX XXXX XXXX, XXXX, California, XXXX. Navy Federal Credit Union ( NFCU ) was the lender ( Account # XXXX ) ( APN : XXXX ) for this transaction and has promulgated and reported to the credit reporting agencies, XXXX, XXXX, XXXX, et al, the term, " foreclosure initiated, collateral property sold. '' This inaccurate and maliciously false report has ruined my credit profile, drastically lowered my credit score, is impeding me purchasing a home, and has the appearance of " mens rea '' retaliation for consumer complaints I made to NFCU. A certified letter of complaint and request for resolution to NFCU CEO XXXX XXXX and phone calls, years earlier went unanswered. The last individual I spoke with at NFCU HQ XXXX, Virginia in an effort to resolve this matter, identified herself as XXXX, # XXXX ( XXXX License Number ) on Friday XX/XX/XXXX, XXXX. She claimed that she would investigate the matter and call me back with her findings on Tuesday XX/XX/XXXX, she never called. Under color of authority, XXXX XXXX colluded with NFCU and removed approximately {$5000.00} from my account for a foreclosure that never took place. Both California real estate agents XXXX XXXX License # XXXX and XXXX XXXX XXXX License # XXXX colluded to remove excessive and fraudulent brokerage fees in the amount of {$8700.00} each, also under the color of authority. In XX/XX/XXXX, after the Veterans Administration 's XXXX Property/Housing Department in XXXX, California and XXXX, Virginia garnished my salary with claims of overpayment. I received approximately {$5500.00} from the XXXX Property to move my own personal property. I completed the move and a few months later my retirement salary was reduced by the VA. Simultaneously I found that NFCU was surreptitiously going into my wife and minor son 's bank accounts removing money without authorization. I had set up an automatic payment to pay the mortgage. NFCU was also removing money from the mortgage as well creating shortages on my mortgage payment account. I found out when I went online to review my accounts ( audit ) and learned that this had been going on for about two years. I requested a modification which NFCU through a series of bookkeeping errors denied my request which eventually resulted in the need for me to sell my home and relocate for a better paying job. My desired resolution is that the full and aggregate amount of {$500000.00} ( the initial net worth of XXXX : XXXX ), damages, XXXX, the rectification of my financial reputation, payment of fees as identified and assessed by me as a result of said damages to me incurred by the aforesaid actions of NFCU, it 's affiliates and all other parties involved in the facilitation of mortgage fraud ( XXXX ), bank fraud, wire fraud against me under the color of authority through a series of coordin | ||||||
| 11/10/2021 | Yes |
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Web | Older American |
| On XX/XX/XXXX, while checking to see if a deposit had been made to my Navy Federal Credit Union savings account, I discovered that {$5000.00} was labeled as PENDING to be transferred out of the account. I immediately called NFCU and explained that I had not authorized a {$5000.00} withdrawal. Since the transaction was PENDING, I asked if the transfer could be stopped and was told it was too late to stop. The NFCU rep kept referring to email correspondence in which she said I had opened an external account and instructed NFCU to transfer {$5000.00} to it and I kept repeating that I had no idea what she was talking about. Somehow, the thief had gained access to my email account, corresponded with NFCU as me, NFCU had responded to the thief 's request, and the thief deleted the NFCU email correspondence and I found it in my XXXX trash. The thief had a XXXX XXXX bank account ready to receive MY money which was transferred to the thief on XX/XX/XXXX. On XX/XX/XXXX, the stolen {$5000.00} was credited back to my account. Since no correspondence accompanied the credit, I assumed the money was returned by XXXX XXXX and the matter was over. On XX/XX/XXXX, an NFCU letter dated XX/XX/XXXX was received stating the {$5000.00} credit was provisional. I immediately responded stating my position and then waited to hear from NFCU to ask for more information regarding my claim. No request was ever received. Instead, on XX/XX/XXXX, an NFCU letter dated XX/XX/XXXX was received stating that I am " responsible for the full amount of the claim, {$5000.00}. '' At no time has anyone ever contacted me to explain why I am responsible. At no time did anyone explain that I had the right to file an appeal to this erroneous claim against me. On XX/XX/XXXX, I called the fraud/security department. Very unwillingly on his part, I spoke with a supervisor who refused to answer any questions I had about the claim and why I was being held responsible. The only thing he managed to do was tell me that I should file the NFCU appeal form. On XX/XX/XXXX, I went to an NFCU office and spoke with the branch manager. I have had an account with NFCU since XXXX and have never had any problems. I wanted to have a face-to-face meeting with an NFCU rep, but the branch manager was so uncomfortable speaking with me that I finally left because it was a waste of time. On XX/XX/XXXX, I went to my local police department to file a report of a criminal offense. The police report was transferred to their Investigative Services Division on XX/XX/XXXX. On XX/XX/XXXX, I went to an NFCU branch office and asked that branch manager to email the completed NFCU appeal form to Security Appeals which she did. I wanted no question as to when the Security Dept. received the completed appeal form. Today I received another letter from NFCU dated XX/XX/XXXX stating they reviewed the claim again and again are holding me " responsible for the transactions that occurred. '' I have committed no fraud and I have no knowledge how my email account and NFCU account were breached. I have never been told by NFCU how they made their final determination that I am somehow complicit in the theft of {$5000.00} of my own money. I asked for someone from the NFCU fraud or security department to speak with me but no communication was ever made by them. Again, I have had an account with NFCU since XXXX. I have never committed anything untoward in my years of dealing with NFCU. I have been treated very unfairly by NFCU and ask that the CFPB please assist me in getting NFCU to reverse their final determination and see that NFCU returns my stolen {$5000.00} to me with no provisions attached. Thank you for your assistance. | ||||||
| 02/24/2017 | Yes |
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Web | Servicemember |
| I contacted Navy Federal Credit Union in XX/XX/XXXX with the intentions of getting help with a credit card account that had fraud. Through this process, Navy Federal after XXXX me over said that they would put me on a payment program to assist me with getting my accounts together. So, I spoke to a woman in the in the XXXX department who attempted to set me up with a payment program for this account along with XXXX other accounts. We made the arrangements in XX/XX/XXXX and then I was never contacted again. I again called this same department in XX/XX/XXXX and the account was set up for me to pay : XXXX. {$110.00} dollars on the XX/XX/XXXX for my XXXX XXXX XXXX. {$55.00} dollars a month on the XXXX for my XXXX XXXX XXXX. {$150.00} dollars a month for my Auto loan I began making these payments with the understanding that the dates were set up for me to have the payments directly debited from my XXXX account. I used my XXXX account because when I would have money deposited in to NFCU checking, they would randomly take payments that were before the due dates. Additionally, being assigned to the hardship program, they were supposed to bring my accounts current and also reduce the interest rates to 6 %. This never happened, instead, the constantly charged me late fees for the dates that the payments were drafted for my accounts. There are excessive fees and numerous amounts of fees, duplicate late fees, unknown late fees, charges and other items that makes the principal balance of the credit card never go down. Essentially robbing me. The notes that have been made in coordination with the agreement was never honored, instead it was just another attempt for them to take advantage of hard working XXXX. In XX/XX/XXXX, I was hospitalized and received XXXX on my XXXX and XXXX for XXXX injuries that I sustained while XXXX. In XX/XX/XXXX, I had to have full XXXX from the same XXXX injury. In the attached documents, you will see all of the bank statements showing the payments that were made to these accounts and were drafted. You will immediately see XXXX dollar late fees, then more late fees, then interest charge after interest charge. There is no way that i would ever see any benefit in this program, just paying the bank miscellaneous fees and charges and interest while I remain in debt. To make matters worse, they use this information to report to the credit bureaus making it appear that I have not been making my payments, that I have been late each and every month. This has ruined my credit from a credit union that claims to want to help me. To make matters worse, they report these late reports on my credit on XXXX different lines, using XXXX different account numbers for the same cards which further ruins my credit score. They have also misrepresented themselves when I speak to them, keeping information that could help me. Finally, with the accounts closed, the consistently report me as a derogatory account monthly. So how does this program supposed to help me? It does not. It robs me and then refuses to make the necessary changes to get my accounts and credit back on track. They completely lie to gain your trust and then do the opposite. They claim to call and try to contact me, but as a XXXX who was XXXX, then XXXX, how am I supposed to contact NFCU from a XXXX or in another country. They are big time scam artist using the credit union identity as disguise. I have tried many times to work with them to help me. When they took my XXXX account information to make the debits from, they would make XXXX withdrawal and then would not do it again, then charge me fees. Also, if the accounts were closed, why would they send me new cards in XX/XX/XXXX? | ||||||
| 12/13/2023 | Yes |
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| On XX/XX/XXXX I contacted Navy Federal CU of my exercising my federal right as a consumer to opt of reporting to XXXX, XXXX and XXXX unless otherwise stated in writing by me and to have my credit report updated on the 30 day late payment for XX/XX/XXXX to paid on time. According to the Fair Credit Reporting Act 15 USC 1681a 2 ( A ) ( i ) Exclusions from a credit report by a credit reporting agency : report containing information solely as to transactions or experiences between the consumer and the person making the report. This by clear definition states that reporting transaction history is illegal. I am requesting that the 30 day late payment for XX/XX/XXXX be updated to Paid on Time. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Navy Federal CU is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navy Federal CU- the financial institution, and the consumer reporting agencies XXXX XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Navy Federal CU whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Navy Federal CU never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services unless otherwise stated. You may report my transaction history but must update the XXXX XXXX- 30 day late- to paid on time. | ||||||
| 05/16/2023 | Yes |
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| Upon further investigation of my personal information, I have submitted to the following companies identity theft, police reports, and notarized documents stating the address, name, accounts, and inquires did not have my authorization to obtain these accounts. I have explained that someone stole my identity claiming to help enhance my credit score. My information was stolen to be added to authorize users accounts, to open accounts for loans, cars, installment loans, and other lines of credit accounts I have no knowledge of. Have been sending in notices to the companies to ask for verification of any information, no one responded. I understand that it takes 30 days for an investigation to complete. These companies have not responded, and have not contacted me with any proof or information regarding these accounts. Further more, these companies have many violations against my consumer rights. My information was sold to a third party collection company by the name of : National credit adjusters. I did not authorize this company nor any affiliated companies to obtain my information. I ask that all account be removed. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly '' I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at your who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. Navy federal credit union # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 05/04/2023 | Yes |
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| To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have lost faith in the banking systems due to your company reporting false and inaccurate information on my report without my consent. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agencXXXX XXXX XXXX the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft. You have no permission to furnish any information on my consumer report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my consumer report for any reason. According to 15 USC 1681 ( a ) ( 4 ) You infringed upon my right to privacy and your reporting is unfair and without impartiality. YOUR COMPANY HAS AIDED THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS. I DO NOT CONSENT TO XXXX OR ANY OTHER MEANS OF AUTOMATED VERIFICATION. I DEMAND YOU PROVIDE ME WITH THE FOLLOWING. 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal consumer file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. | ||||||
| 04/03/2016 | Yes |
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| My name is XXXX XXXX and I am a Navy Federal member with multiple accounts such as savings, credit cards and car loan. Based on my great personal past experience with Navy Federal services I decided to also apply for a home mortgage loan. I applied for a home mortgage loan through Navy Federal on Wednesday XXXX/XXXX/16 in which the submission confirmation said I would be contacted within 24-48 hours. On Friday I followed up with NFCU however my loan was not yet assigned a loan officer and the local office was not responding. Monday XXXX/XXXX/16 I get a call from XXXX XXXX ( ext XXXX ) around XXXX to confirm the information on my application and we went through some questions I had. He advised I would be receiving a preapproval letter and confirmation within 24 hours. A couple minutes after the call I decided to call back for a final question however he was unavailable and left him voicemail for his return call back later that afternoon. Tuesday XXXX/XXXX/16 Around XXXX with no return call yet nor preapproval email from XXXX XXXX I decided to call and he advised the operator that he was again unavailable and for me to leave another voicemail for him to call back later that afternoon. At this point I requested to speak to a supervisor - whom was also unavailable - and got directed to the voicemail of XXXX XXXX ( ext XXXX ). After leaving her a voicemail I decided to call another loan officer XXXX XXXX ( ext XXXX ) whom I 've spoken with before my application - and has been extreme help - for guidance. She contacted XXXX XXXX and he reluctantly took my phone call. What transpired once he took the phone call absolutely floored me - not only being a Navy Federal member but just a consumer in general. After I greeted him " Good morning - this is XXXX XXXX '' his reply - almost verbatim - was " I stopped what I was doing to get your phone call. Is this an emergency?! '' Needless to say this came as a complete shock to which I replied " I 'm sorry I do n't like your tone. '' To which he repeated - in an even louder and more menacing tone " IS THIS AN EMERGENCY? ". At this point the conversation went downhill - as much as I tried advising XXXX XXXX regarding his tone towards me it was indifferent to him. He proceed to state if I would like another loan officer assigned to my loan application which I quickly replied to him yes. Later that day - I finally received a call back from XXXX XXXX apologizing for the situation with the previous loan officer. She advised me that somehow my application amount was changed from {$200000.00} to {$150000.00} and she would resubmit for {$200000.00} with she verified all my income and debt information once again over the phone. At this point she advised I would hear back from here by the next day ( XXXX XXXX ) or Thursday at the latest XXXX XXXX ). Wednesday and Thursday came and went with no communication whatsoever. Friday morning I sent an email and followed up with a call - which got directed to voicemail. I have been unable to reach anyone since then in regards to the status of my application. At this point I have felt that they have more than exceeded the three business day requirement to provide me with a loan estimate based on my initial application substitution on XXXX/XXXX/16 and then my follow up call with XXXX on XXXX/XXXX/16 as per regulations 1026.19 ( e ) and 1026.37. As a consumer I feel I have nowhere else to go but the CFPB in order to get this resolved. If I do not get a Loan Estimate within the next 24 business hours I would like my application retracted and my hard inquiry from Navy Federal Credit Union on all XXXX credit bureaus removed immediately. | ||||||
| 05/02/2018 | Yes |
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Web | Servicemember |
| I admitted to debt for value received, then presented offer to settle or cure any debt with Navy Federal Credit Union by providing a legally binding Promissory Note with Orders via notary presentment to discharge any debt. I also demanded proof that Navy Federal Credit Union ( or any of its affiliated agents, parent companies, proxies, etc. ) actually suffered a loss ( Full copy of the actual accounting ), that Navy Federal Credit Union provide proof that they had filed my action with the Internal Revenue Service, and provide me with a cash recoupment receipt as an offset in accounting for my records to include lien free title to property. Over the past two months I have been harassed by repeated phone calls and letters attempting to get me to enter into a Adhesion Contract. A tow truck came to repossess the vehicle. Affidavit of Facts I, purchased a vehicle from a XXXX dealer on XX/XX/XXXX - Representatives of NAVY FEDERAL CREDIT UNION provide loan to purchase the car in the amount of XXXX XXXX on XX/XX/XXXX and I contacted same to obtain a signed copy of the original contract and other related documents on XX/XX/XXXX which were not sent. XX/XX/XXXX, I requested a fully certified disclosure of contract containing my original wet ink signature and sign by a living person representing their organization. XX/XX/XXXX I received by regular mail from XXXX d/b/a Manager, Consumer Loan Processing of NAVY FEDERAL CREDIT UNION a letter requesting my signature on a updated Corrected/Duplicate contract. XX/XX/XXXX, I sent XXXX. d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION the letter and contract back with a letter stating the unsigned contract was unacceptable ( Non Acceptance of a Bi-lateral contact ), rescinding of my signature on all loan documents including previous loan and another request for full disclosure of loan contract. XX/XX/XXXX, I sent XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION a letter of instruction and, according to HJR 192, provided legal tender to discharge debt ( Exhibit F ) On XX/XX/XXXX, the notary, sent a letter, certified mail to XXXX XXXX XXXX. d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION the initial Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. XX/XX/XXXX, the notary, sent a letter, certified mail to XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION a second presentment of Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. XX/XX/XXXX, the notary, sent by certified mail to XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION a third presentment Declaration by Affidavit to state his non-response to any previous letters or notices. XX/XX/XXXX a tow truck attempted to take the vehicle from my premises without any contact from XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION in an attempt to make a adhesion contract later that day. XX/XX/XXXX Collection Department d/b/a NAVY FEDERAL CREDIT UNION sent a letter stating NAVY FEDERAL for the above referenced account has been terminated due to non-compliance with agreed upon terms. All payments received have been applied to the existing balance but collection activities on this account will continue until you re-establish arrangements to resolve your account XX/XX/XXXX XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION was sent a No Contact Contract reiterating the note, requests and letters previously sent. XX/XX/XXXX I filed a Civil Action against XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION. | ||||||
| 02/18/2019 | Yes |
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Web | Servicemember |
| Last year my husband was not regularly paying the mortgage and money was being taken out of my account to pay i was told if I had money and the mortgage was not paid that would happen as they did this it left me no money to pay my rental property so the stated foreclosure on that. I started last medication Dont what happened to cause I got paperwork from their attorney starting XXXX filed for bankruptcy. This was XXXX during that time my insurance was canceled and I was not informed the insurance company never informed me they only informed navy fed they only contacted my husband and I knew nothing. I found when I was trying to file a claim for XXXX. They attached Insurance what had my mortgage payment go up. I asked why was i not notify They told me dates that they sent me letters I told them I got nothing. When they further researched they only contacted my husband and not me. I have ALWAYS handed the insurance that same year I got that insurance because the insurance lapsed But they didnt take the escrow account off for about two months and has never refunded my money as of yet they got the new insurance in XXXX it was about XXXX when I found out they did not change anything they had the paperwork but couldnt explain why it wasnt done and I did call many times and just gave up. Was giving many names and talked to many people and got nothing. Again I asked why am I never informed about what is going on I can not get insurance if I dont know I dont have any. Both are names are on the mortgage but I never no whats going on. The attached insurance does not pay for personal effects just exterior Because of water and mold I have furniture and clothing that has been ruined I thought had insurance that covered all of these things. Again Navy Fed has but me in yet another hardship. Dont know when the bankruptcy was done but I got a letter in the mail about XXXX of XXXX telling how long it had been since he had made a payment. I called loss mitigation which the letter came from Questioning what was going on and was told they cant make me pay. Im asking what does that mean and was told to talk to my lawyer I said what lawyer I dont have a lawyer i was told to talk to my Bankruptcy attorney I kept telling them I didnt have one I did not file for bankruptcy XXXX did got no help. Went in to the branch they called Lost mitigation and was told they dont know why I was told that. Im asking when you first stop getting payments why was i not notified and was told they did not have my information. Well they sent me the letter telling me they had not been receiving payments so why was it not taken from my account like before and why was it allowed to go so far behind before I was notified. No one had an answer for that either. Another hardship that could have been avoided. Navy Federal continually Keeps me in the dark regarding this mortgage in which I am liable for. My law if my name is on the mortgage contract i am to be informed of any changes or problems but I have not been that is why I am in this situation. They do have on my file that I was not notified. I got a letter for a foreclosure hearing in XXXX. I dont appreciate continually Being put in bad situations that can be avoided. My father died XX/XX/XXXX I got Plenty Insurance money and would have paid what was needed to become current had I know. Did they went for me to be in a hardship before bringing this to my attention because I know they can see how much money I have in the bank the Credit card sector sure took XXXX out to pay my credit card so these departments that i owe see how much money I have again they took money out in XXXX to pay it. | ||||||
| 07/11/2019 | Yes |
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Web | Servicemember |
| I transferred money to my Navy Federal Credit Union card from a XXXX XXXX XXXX that I believed belonged to my employer. There were six transfers beginning XX/XX/2019. After the initial transfer, I went to an XXXX store to make the purchases. I was warned of a scam that involved XXXX gift cards purchased after 10k was transferred into a person 's checking account where the cash was available next day but once the items were shipped it was discovered the money wasn't there. I was purchasing XXXX phones and shared that the bank had put a 7 to 10 day business hold on the transfer before the money was made available. Though it was different than the scenario given to me, I went home and contacted the bank. I was told that Navy Federal holds any 3rd party transfer over {$500.00} for 7 to 10 days because in the past the funds were not available to be pulled after the previous 3 day hold was released. So I stated that the additional payment hold days were incorporated to ensure that the money was there and the customer service agent said yes. She said if I was on the account she could call the bank and verify. I told her that the account was not in my name because I had checked due the information the XXXX manager had given me. I waited for the hold to end and it did. The money was applied to the card. I made five more transfers after that believing the transaction to be legit from the information I had been given about the payment holds. I kept checking my bank statements even taking pictures each time to record the activity there was no payment reversal until XX/XX/2019 when Navy Federal attempted to pull all six transfers at once, more than a full month after the first transfer. When I spoke to a rep, he said that the money had been credited to the card not pulled from the XXXX XXXX XXXX account. I told him about my conversation with the rep after my first transfer and he agreed that the money is drawn on the third day when the amount is less than {$500.00} and after 7 to 10 business days for amounts over it. I asked why wasn't I notified that the money was not drawn from XXXX XXXX XXXX but credited by Navy Federal. If I had been notified I could have walked away rather than believing the transfers were being processed. I was given bank account information to cover all transfers but the rep advised against it because it seem to be a scam. I told him that I would like the account investigated to see if it was legitimate because I couldn't afford to pay back $ XXXX. I had to make a payment to my card after I was locked out of my account. When the collections department called me, I informed the rep of what happened and asked if there were notes of the investigation. He said the note was there but he was calling to collect a debt. My credit card payment prior to these events was the XXXX of each month so there was no reason for the call yesterday by collections other to let me know I was responsible for the money even though Navy Federal didn't draw the money or alert me to anything until XX/XX/XXXX. I filled a scam complaint after leaving the XXXX store, froze my consumer report, pulled my credit card and filed a case online with the FBI after making the first purchase at the XXXX store. I figured better to be safe and protect my identity should it be a scam. With the transfers going through, I believed it to be a legitimate transfer because each transfer was held for the 7 to 10 business days. Navy Federal needs to check its internal practices and people. The second transfer should not have gone through if as the rep stated, an attempt to pull the money was made and the funds were insufficient. | ||||||
| 11/02/2023 | Yes |
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| I have been an account holder for over a decade. I have always paid my bill as agreed, which is due monthly on the XXXX. On XX/XX/XXXX, I went to pay my bill online as I do every month. I noticed that instead of the ~ $ XXXX bill I was planning to pay towards, the bill was over $ XXXX, and immediately began to research the charges on the account. I observed that on XX/XX/XXXX, a {$2.00} charge was made at a local XXXX, and on XX/XX/XXXX a {$7200.00} cash advance was made at a branch. I navigated to the websites fraud claim reporting system and immediately reported the fraudulent activity, since neither of the charges were authorized by me. The bank removed the charges and began their investigation. In the interim, I discovered that the charges were made on the card that belongs to my authorized user, who is my nephew. Since my authorized user was out of town at the time of the charges due to being in a training camp, after speaking with him, and confirming he had never used nor received the card, I questioned my brother, who has the same name as my authorized user. My brother straightway indicated that he had gone into both the XXXX and the branch and had in fact made the charges on what he believed to be HIS card. He indicated that he had previously applied for a card with the same institution and was under the impression that the card he was using was his. He further stated that he went into the branch with his own ID and was never questioned about his identity. Until I mentioned the situation with my card and my authorized user, he still was under the impression that he was in possession of his own card. The bank subsequently reversed the credit and put both charges plus interest back on my card. I informed the bank that they did not verify the party at the branch, because had they done so, they would have realized that although the party has the same first and last name, their date of birth is not the same. I told the XXXX on XXXX of many phone calls made to the institution, that they made a mistake and gave a huge cash advance to a non-authorized party against my account. They refused to own up to their mistake, and instead accused myself and my authorized user of sending the wrong party into the branch to make a cash advance. They are now not only charging me for their mistaken {$7200.00} cash advance, but also the interest involved, which is very expensive. I have been going back and forth with the institution for several months, and they refuse to acknowledge their error. Both parties have the same first and last name, but my authorized user is solely my nephew and not my brother. Their date of birth is very similar. The one being XX/XX/XXXX ( which is my authorized users dob ) and the other being XX/XX/XXXX ( which is my brothers XXXX ). They did not follow sound " know your customer '' procedures, and as a result, they put my account, and my finances in jeopardy, and are creating a severe hardship for me in keeping up with the much higher payments associated with these unauthorized charges. The bank needs to be held accountable for their error and not charge me, a long-standing customer with their mistake. They are now reporting this higher balance to the bureaus after being made aware of their mistake. They refuse to acknowledge, and now with the higher balance on this credit card, my score has dropped XXXX points. This is a violation of my rights as a consumer, and a violation of accurate reporting. Please help me with this egregious treatment. Because it is the bank 's negligence in verifying the customer that entered the bank, which has caused me this hassle and expense. | ||||||
| 08/05/2015 | Yes |
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| I obtained a Visa credit card from Navy Federal Credit Union XX/XX/XXXX over the phone and I was offered the credit protection plan that protects me from involuntary loss of employment, death and XXXX. I was employed the entire time on this program as a full time employer until XXXX XXXX, XXXX. I opened my initial claim in XXXX of XXXX and took a temporary assignment in XXXX XXXX and worked the assignment until XXXX XXXX, XXXX. I called Navy Federal to report another claim that I was not working on XXXX XXXX, XXXX and was told two weeks later that I did not qualify for the benefits due to my temporary work status and they did not cover temporary employment. I then explained that I lost my permanent job back in XXXX of XXXX, and that a claim had been submitted to use the benefits. I was told that they would open the initial claim I submitted in XX/XX/XXXX. I next received a call stating that I again was not qualified due to I needed to be unemployed for 30 days. I was told I should not have taken the temporary assignment in order to be qualified. I advised them at no time was I ever told that accepting temporary employment would disqualify me from using the benefits of the service. I was informed that It was in my disclosure and I explained to them that I was offered the service over the phone and never received any disclosure or had any program limits explained to me over the phone. I never was asked my status of employment when I was offered the service and was told that the benefit of the service was for coverage if I ever loss my full time job, death, or XXXX. At no time was I told accepting a temporary assignment that it would disqualify me to receive the benefit of the program. At that point I requested a copy of any written disclosure that may have been sent in XX/XX/XXXX as I never received one. I have not been given any disclosures regarding the program after multiple request. The company has not to date presented any documentation dating back to the time that I accepted the program for me to review or showing written acknowledgement of my consent. Additionally, I took a loan in XXXX XXXX and was offered the same program again by phone and was not asked my employment status. So it seems to me that this is a predatory practice by the credit union to have folks join by phone without offering any disclosures about program limitations. The bait and switch practice is to have unsuspecting customers pay for the program and when unfortunate circumstances arise and the program is needed it is only then that the company comes up with " disclosure '' reasons not to provide the coverage or provide the benefits paid for. In my case, I have paid for benefits since XX/XX/XXXX until XXXX and never have received the benefit of the service when needed in XX/XX/XXXX/XX/XX/XXXX. I have never paid my Visa bill late, have a stellar credit rating and now as results of Navy Federal 's unfair predatory practice I am facing a late payment history, potential negative impact on my credit and possible interest rate increases. Since XX/XX/XXXX, I have in good faith maintained this program to avoid having this type of situation occur. Navy Federal needs to be accountable and honor the goal of the program as it was sold to me instead of compounding an already difficult situation. The company 's attempt to refund fees for the service is insulting and a shameful attempt to exploit the desperation of my situation and a cheap alternative to not honor its obligation. It does nothing to resolve the situation for which I had already paid to ensure that if the circumstances ever arose, my exposure would be minimized. | ||||||
| 07/22/2023 | Yes |
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| On XX/XX/XXXX, XXXX received a text message alert from an unknown number ( Tel : XXXX ( XXXX ) XXXX ). In the body of this message was the following information : NFCU : Unrecognized device ( XXXX XXXX ) currently signed into your online banking near XXXX, OREGON If you don't recognize this device reply " NO '' to secure your online account. Reply " STOP '' to end text alerts. ( See Attachment F ) Following that message was another that stated as follows : NFCU : Your {$500.00} CASHAPP** payment to " XXXX XXXX XXXX on XX/XX/XXXX is now processing. If you don't recognize this payment reply " NO '' to dispute this transaction. Reply " STOP '' to end text alerts. ( See Attachment F ) On XX/XX/XXXX at approximately XXXX pm, while at work, Member had a missed call and Voicemail from an unknown number ( XXXX ( XXXX ) XXXX ). The person who left a voicemail claimed to be an Agent calling from the Fraud department with information about a matter and to call them back Asap. ( See attachment XXXX ). On XX/XX/XXXX, at approximately XXXX pm, Member received a phone call from someone who claimed they were a representative with NFCU fraud investigation Department and that they were calling in regards to a attempted transaction for {$500.00}. The number this scammer utilized to contact member was XXXX ( XXXX ) XXXX. During the call, trusting that this was a legitimate communication from NFCU, member disclosed some personal information including name, address, phone number, date of birth and other information. Member explained that they did not initiate the attempted transaction. Scammer then instructed member that the NFCU account needed to be secured and that they would assist with that process. Scammer was able to send a series of texts to members phone from NFCU in order to change the password on the NFCU mobile app. Password was successfully reset at XXXX pm. ( See attachment C ). On XX/XX/XXXX at XXXX pm, someone with the name XXXX XXXX with the Cash-tag name XXXX attempted to withdraw funds from Members NFCU bank account by way of Cashapp ( which at the time was linked to members NFCU debit XXXX ending in XXXX ), in the amount of {$900.00}. XXXX identified this attempt as a Potential Scam and the transaction was Declined. ( See attachment B ). On this same date approximately XXXX minutes later at XXXX pm, someone with the name XXXX XXXX with XXXX $ XXXX attempted another transaction, this time in the amount of {$950.00}. This attempt was approved by XXXX and the funds were successfully transferred from members account. ( See attachment A ). On XX/XX/XXXX, at approximately XXXX pm, after realizing that they were the victim of a scam, member promptly took the appropriate steps to secure their XXXX account by unlinking their bank account and corresponding debit card from XXXX. XXXX also changed their XXXX account login information and security PIN code. ( See attachment G ). Member then called Navy Federal to report the unauthorized transaction and scam using the number provided on the NFCU banking app. Member spoke with a representative at NFCU and at XXXX pm members account was secured by changing the username and password. ( See attachment D ). Initially NFCU returned my money. A month later NFCU electronically deducted the funds from my account leaving my account {$670.00} in the negative. NFCU has failed to follow its own Zero Liability Policy. NFCU has no legitimate basis for its decision and at this point, the taking of my money is considered theft. Based on all the evidence, I was clearly the victim of fraud! NFCU needs to return my money or I will pursue legal remedies. | ||||||
| 03/15/2022 | Yes |
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| We submitted for a cash-out refinance with Navy Federal , the holder of our current mortgage on XX/XX/XXXX. We submitted all necessary paperwork ahead of the due dates and responded via email to a follow-up question regarding employment verification on XX/XX/XXXX, ahead of a final due date for all materials on XX/XX/XXXX. Despite asking questions about the process and next steps on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, we were unable to obtain a response from our loan officer, XXXX XXXX ( NMLS # XXXX ), regarding the status of our application. However, we did see in our account dashboard at XXXX point after final submission of all documents that the loan had been sent to underwriting. Upon calling our agent on XX/XX/XXXX, she informed me our application had been withdrawn by an assistant during her absence from the office for a timeframe in XXXX and she was unable to explain why it had been withdrawn. XXXX was in office at the time of all correspondences/attempted outreach dates noted above. We were never notified of the withdrawal and believe Navy Federal is in violation of the Equal Credit Opportunity Acts Regulation B, which requires financial institutions to inform applicants about a change in status of an application. Upon submitting a formal written complaint to our agents supervisor on XX/XX/XXXX, we were able to get in touch with Supervisor of Mortgage Origination XXXX XXXX ( NMLS # XXXX ) and schedule a call with her for XX/XX/XXXX. Between our call with XXXX on XX/XX/XXXX and our call with XXXX on XX/XX/XXXX, the details of our application, which were viewable in our account dashboard on navyfederal.org disappeared. Luckily, we had taken screenshots to show all key dates throughout the process, which provides record of when we submitted paperwork, the due dates of that paperwork, and the 100 % completion status of all documents associated with our application. These documents are attached to this complaint. During a phone call on XX/XX/XXXX, with XXXX, we were offered the option to move forward with the process. However, during that phone call, XXXX said that the notification of the conditional approval served as our formal notification of loan status, she was unsure why our file that was viewable on Friday was no longer available on Monday, but promised to look into it, and she said we would have to have another hard credit pull to move our application forward, as well as needing to upload any documents that were now considered outdated. She said she would try to obtain the same mortgage interest rates that were available at the time of our original application as the rates have gone up since XXXX when we started this process but was unable to unequivocally promise we could obtain those rates until we resubmitted our application. The specific details of what XXXX offered in order to remedy the situation can be viewed in the email threads we are uploading with this complaint. It is our opinion based on the details above that Navy Federal negligently handled our application, tried to remove documents from our view that proved their negligence and has not promised to honor the rates they denied us through their inept handling of our fully complete application, which will make a big difference financially for our family. In her first email to me, XXXX conveyed that deciding to refinance is a big life decision that brings various opportunities. We agree and hope that Navy Federal, which touts its mission to " Be the most preferred and trusted financial institution serving the military and their families '' will take necessary steps to right this wrong. | ||||||
| 09/07/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023, at XXXX XXXX my car was stolen by a tow truck. I woke up the next day without a notice or a heads up that my car would be stolen in the night. It took me all day to process what could have happened. So, I called the financial Intuition and asked for the Repossession department. I recorded the call as they also stated we were speaking on a recorded line. I proceed to ask did they have anything to do with my car being taken or Repossessed They proceed to say yes, and she gave me the 3rd party company ( XXXX XXXX ) who I had no knowledge of and the company phone number to get in touch with them. She proceeds to state that I would be in charge of any storage fees, and I need insurance to on the car and that Navy federal must be listed as the lien holder and she gave me the amount to bring my loan current, and all this must be done before I can get my car back. Per the UCC 11 search I am the only one to have and hold the only lien to my private property, my car. I have certified copy of proof that I will upload of the UCC 11 Search. So thats 1 violation. Per 15 USC code 1692f Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; Also 15 USC code 6802 Obligations with respect to disclosures of personal information : ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Per 15 U.S. Code 1681n - Civil liability for willful noncompliance : ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. | ||||||
| 08/30/2022 | Yes |
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| I noticed a billing error once I received documents that the tender of payment I sent to pay an instrument/alleged debt was accepted and signed on XX/XX/XXXX. After I called on XX/XX/XXXX and spoke to a supervisor concerning the negotiable instrument that was mailed in for payment he did not give me a logical answer, was rude nor did he provide me with the correct information as to why my tender was not accepted. Instead, he just hung up in my face. I've been a customer since XXXX I've been going back and forth trying to get this account credited since earlier this year. I am aware from extensive research that the Loan/Credit thats extended to me has been paid from the moment I filled out the application with the use of my social security number according to ( 15 U.S.C 1692 ), and the credit thats approved comes from the consumer, not Navy Federal Credit Union according to ( 15 U.S.C 1602 ). Since this was not disclosed it is considered FRAUD by false and misleading information which also makes any written contract void. So the negotiable instrument ( payment coupon ) which is written out in a positive balance ( in the form of a check ), along with the statement that was sent to me the month of ( XXXX ) that I accepted for value and endorsed ( which I have proof of, and that it was delivered by mail with a signature that it was accepted ) ; meaning the act of placing a signature according to Article 3 of the UCC, an instrument signed by endorser or maker makes it a negotiable instrument. The Dictionary of banking terms validates this as well. Denying my negotiable instrument is grounds for discharge, according to UCC 3-603 if tender of payment is refused, there is discharge. Navy Federal is not acting out in GOOD FAITH because this information was not disclosed to me. Navy Federal is doing UNFAIR, and Deceptive practices to me by misleading the consumer and causing injury. Navy federal did not disclose that the credit/alleged obligation I am paying with my hard-earned money is not my obligation because I am the one that extended the credit not them. I asked for verification of full disclosure, debt validation, where the money came from, and who the original creditor was, and Navy Federal did not provide anything. According to the law if debt verification is not made then navy federal is to cease collection of the alleged debt/obligation, and they continue to put my account in a negative status while ignoring the law so that to prevent any further injury I am forced to pay. Also according to the LAW if they do not accept my legal tender/coupon that is grounds for discharge. I, the beneficiary, also request that Navy Federal Credit Union, trustee, keep this credit line open for me to use while continuing to accept my signed coupon as payment or discharge of debt. I know Im the consumer and original creditor in fact and am aware Ive been violated. As a consumer, I am Federally protected under the FDCPA TITLE 15 CHAPTER 41, and it saddens me to know Navy Federal Credit Union takes pride in violating basic consumer rights. No one should ever have to experience what I have when it comes to anything that belongs to them and rightfully so. Stating the debt is valid will not be sufficient after I asked you to rebut my questions if Im wrong. You did not provide anything and ignored it. You are willfully violating my rights. Accept my coupon payment that was sent or discharge the alleged debt that by law is not mine, to begin with. Again, please notify EVERY credit reporting agency you are reporting to that this account is in dispute until we come to an agreement. | ||||||
| 12/12/2023 | Yes |
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Web | Servicemember |
| Re : XXXX XXXX Fraudulent personal loan taken out online in my name The total loss from savings account is {$4400.00}. Navy Federal Credit Union is holding me accountable for a loan I never received. Funds from my checking account were also involved. This all started from a phone call I received on Sunday XX/XX/XXXX. The number was spoofed and showed up as a Navy Fed Cu number ( he has the call log that shows this ). The scammer acted as if they were from the fraud department at Navy Fed Cu. They had access to my bank information from the beginning of the phone call. They started naming off several transactions that I had made with my checking account within the last month or so. All of them I had made except one. Even though I told them I had made the transactions, at that time they were doing online disputes for each one of the transactions. They told me I needed to send them three {$500.00} payments via XXXX XXXX ( I have the list of transactions for this as well ). These {$500.00} payments were the provisional credits that were given after the scammers did the online transaction disputes. During the phone call they asked me to log into my online bank account. I was locked out of it and could not access it. They then told me they needed the answers to my security questions so they could reset my password for me. Unfortunately, I gave them this information. I was then able to log back into my account. I then saw that my {$1000.00} & the fraudulent {$3400.00} loan was removed from my account & transferred to another member account by the name of XXXX XXXX. I have been to Navy Fed CU 3 different times and filed 3 different fraud reports all 3 being denied by the fraud dept for one reason or another. The first reason was because I gave the security passwords. But I was under the impression this was the actual bank since they already had access to my bank & transaction information. They had rattled off a list of my transactions before I ever gave them the security passwords. My first visit to the bank, I asked the bank associate who was XXXX XXXX. She stated that it was the scam account. She also stated that this is fairly common & happened to another bank associates bank account recently. The other 2 visits to the bank, I spoke w/the branch manager. They would not admit to this XXXX XXXX being a scam account. She would not give us any information since XXXX XXXX was not standing in front of her. She said my only recourse is to file the police report and have the detectives send a subpoena to get the information. On my 3rd visit to the bank, the branch manager said she cant understand why they keep denying my claims and that I might need to get an attorney. I understand that they could not recover the funds. But what I dont understand is how they are not able to tell if the XXXX XXXX XXXX a legitimate account holder or a fraud account that they allowed to be set up in their banking system. Since this supposed XXXX XXXX has an account set up in their system, they should be able to see when the funds were deposited into her account, how & when they were removed and if the account is in fact legitimate or scam. I understand that I voluntarily sent the three {$500.00} payments through XXXX XXXX, and this will be almost impossible for me to get back. Same with the loss of my own {$1000.00} from my savings account. What I dont want is to be held responsible for a {$3400.00} loan that I never received and can not afford to pay. Once you review this information, please tell me how to proceed forward. Thank you, we appreciate your effort in helping with this. | ||||||
| 05/07/2021 | Yes |
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| On or about : XXXX XX/XX/XXXX I contacted NFCU mortgage and explained that my husband was staying in XXXX due to his job, and because of the recent fiascos with the XXXX XXXX XXXX XXXX XXXX program, he was in default of his student loans after paying the required 10 years, under the Trump Administration and therefore I would be applying for the loan under my name only. I further explained because we have separate jobs in separate locations, we are still married and will continue to be married and XXXX would be occupying the XXXX XXXX XXXX house, while I occupy the XXXX XXXX property. Your loan agents said it would not be a problem. On XX/XX/XXXX I was approved for the loan at 2.5 % with 0 points/fees and it went to underwriting, where it sat and was ignored for months. I contacted the assigned representative, XXXX XXXX, no less than three ( 3 ) times inquiring about status, none of my emails or calls were returned. XXXX XX/XX/XXXX XXXX XXXX calls me to say that the previous loan processor, XXXX XXXX, forgot about the loan and was terminated and she would be taking over the loan processing -- 6 months past the time the loan was supposed to be approved. XXXX XXXX then requests previously load documents, and states, that she sees they were loaded but can not find them. I reloaded all of the documents, the trust, etc to the file in less than 24 hours. During this time XXXX has had a remote assignment given to him, so we rented the XXXX house out for 30-days and provided all the documentation to demonstrate that he would be returning to the house as an owner-occupied property, including the fact his job is located within 15 miles of the XXXX house at California XXXX in XXXX, CA. Still, the loan was rejected stating owner occupancy. I had explained the situation in detail when I first applied for the loan and it was deemed acceptable and now that rates have risen and 2.5 % is a great deal NFCU is using this occupancy as an excuse for their negligence. NFCU RE resolution representative got involved and made statements such as : " Unfortunately, the information provided to us again yesterday was that the current tenants are not vacating the property any time soon and we have no documentation reflecting the contrary. We also do not have any verifiable documentation that illustrates your husband currently resides at the property or will in the near future '' When in fact she could not have know this since my Property Manager for the address was never contacted. Then the NFCU representative ( XXXX ) replied with : " Thank you for allowing me to review your application further, so that I my provide you with information regarding your loan decision. Occupancy status requirements are based on a borrower 's intended use for the property. Unfortunately, your husband 's occupancy. now or in the future. would not be taken into consideration as he is not a named borrower on the loan application. You have provided information that the XXXX XXXX XXXX property is your primary residence, therefore we can not refinance XXXX XXXX XXXX as another primary residence. '' To which I replied with : XXXX, You seem to be changing the target again which indicates that NFCU is fully negligent with this loan and therefore I will be seeking damages, I fully disclosed the facts during the intake with NFCU, I repeated these facts with XXXX XXXX and yet NFCU took my loan with full disclosure that XXXX had this the main residence, and our married taxes are filed from that house it undermines your arguments. Therefore I would like to request ALL the voice recordings as a pre-discovery. | ||||||
| 12/23/2015 | Yes |
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| Since your initial contact with NFCU on XXXX XXXX, 2015, I have had no response at all. They are still holding my funds. I want a response NOW! I have had a checking and savings account with Navy Federal Credit Union for a couple of months, with no incident or problems and light use. My husband passed away on XXXX XXXX, 2015 and I really started using the account after that. After depositing a {$3000.00} check from my mother drawn on XXXX XXXX XXXX XXXX XXXX and another cashiers check drawn from XXXX in the amount of {$3700.00}, still no problems. On XX/XX/XXXX, without notification via call, email or postal mail, my account was frozen. I contacted NFCU right away, and they stated that there was suspicious activity on my account. I explained the situation regarding my husbands death and I had been paying for funeral expenses and now in XX/XX/XXXX, I had planned on having my husbands pension directly deposited into the account for household expenses. I was very upset, as I only had {$60.00} in cash and I needed to get items for my children 's schools etc. The young lady I spoke with was very apologetic for the lack of communication and situation with the account. She stated that they needed some addition information in order to release the account. She asked for some information and I provided these within minutes with photos of items requested, attached via emails. I was told that there was an issue with another account I had, that i stated I knew nothing about. She stated that they would need to look into the issue and would contact me within 1-2 weeks. Wonderful! No money and my children and I have had issues with power and other utilities since they did not release the funds to me. Also, I was told that all electronic payments would be returned and all debit card payments would not go through. I was told that if I use my checks, I would be ok. Since I needed food for the kids, I went to a check cashing location and cashed a {$300.00} check. Well, it was returned and I now have egg on my face thanks to that lie. Since XX/XX/XXXX, I have had no t contact from ANYONE at Navy Federal CU. No calls, no postal mail, no emails. I have been sending them emails, ( that they are reading, per my read receipts ) begging them to release my {$1400.00} between savings and checking. I am being ignored, totally ignored. My preferred method of communication is email, they know it and I have received anything from them. I need my money released and returned to me asap. The funds in the account are from my mother and the lat money from my husband. I find this situation intolerable and very unfair. I do n't understand what the problem is, and I frankly I do n't care. I have repeatedly asked them to just close the accounts and send my the funds. Nope, no response. The online banking and mobile sites, are blocked. I can log in, however it shows me nothing. I can not get my statements, see transactions or even what the balances are. I find this whole thing idiotic, lame and suspicious. I am asking that my funds be released with a full transaction breakdown from XX/XX/XXXX - XXXX/XXXX/2015, as well as copies of full statements ( each account ) from XX/XX/XXXX up to closing, as well as why non one has contacted me in any way, now over a month since they froze the accounts in a postal letter with copy to email. I do n't care if I was laundering money ( I was n't ), using the account in a criminal manner ( I was n't ), in any case, I asked for information and was denied, none and my money was frozen and has been held. I find this punitive and I will pursue further if necessary. | ||||||
| 10/04/2022 | Yes |
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| To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your office provides me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion requests shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. I NEED THIS ACCOUNT OFF MY CREDIT REPORT ASAP. I WOULD LIKE TO HAVE THE CERTIFIED PUBLIC ACCOUNTANT SEND ME IN THE MAIL NOTARIZED WITH THE VALIDATION OF THIS DEBT | ||||||
| 08/20/2019 | Yes |
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Web | Servicemember |
| Navy Federal Credit UnionAttn: Credit DisputeXXXX XXXX, VA XXXXXXXX XXXXRef: Account #XXXX Account #XXXXDear Sir or Madam:I have an active mortgage loan with Navy Federal Credit Union and an associated equity loan that has been paid off, in full. The house was marital property and when I got divorced, in XX/XX/XXXX, was awarded to my ex-wife, by the judge, along with all legal and financial responsibilities for the property and corresponding debt. She failed to honor these obligations, forcing me to resume paying all the debt in XX/XX/XXXX. I maintained the loans in good standing for the next six years until, in XX/XX/XXXX, I was no longer able to do so, even though the debt was not my responsibility by court order. In XX/XX/XXXX, Navy Federal charged off the balance of the equity loan. In XX/XX/XXXX, I was able to secure the assistance of an investor, who paid off the entire balance of the equity loan and brought current the primary mortgage, including all legal fees relating to the impending foreclosure. The loan status remains current, paying on time.With Letter mailed XX/XX/XXXX, which I have attached as supporting documentation, I requested Navy Federal Credit Union provide me with a letter which updates my accounts as referenced above and requesting they update the 3 credit bureaus XXXX, XXXX & XXXX XXXX. Currently, the credit report is showing incorrect and out of date information, which is in violation of the FACTA regulations. The attached letter shows what is on my current credit report from all three bureaus, regarding the accounts. I had to take my ex-wife back to court several times to finally gain control back of the property, and as is evident from my credit reports, you can see I have a long excellent payment/credit history with Navy Federal Credit Union, and all other creditors. I am currently honoring my obligation with respect to this property, since the court determined she has been in violation of the court order and original agreement since day one. Now that I have custody, care and control over the property, I took corrective action to bring it out of disrepair and am selling the property.I am also enclosing a copy of the Separation Agreement/Property Settlement/Divorce Decree to aid you in documentation for the remedy of this situation and a copy of the Navy Federal Credit Union Response letter, which I disagree with and was vague to say the least, as it did not address varying information reported on the same accounts.As a point of historical note, the relationship with Navy Federal, and specifically regarding this mortgage, has been toxic at best. In XX/XX/XXXX, the XXXX branch mortgage loan department allowed my ex-wife to apply to refinance the property, in my name, with an expired power of attorney and without my knowledge. I have the denial letter on file would be beneficial. In the late summer of XX/XX/XXXX, when my state income tax return was accidentally direct deposited into my Navy Federal checking account, the mortgage payment, which was 23 days late, was automatically debited from my account, without my consent or knowledge. There have been numerous attempts by credit union employees to undermine my financial stability by trying to use “credit union policy” to ensure I was unable to meet their demands, leading to a narrowly avoided foreclosure.I am a XXXX XXXX XXXX veteran and take my credit very seriously. I feel that Navy Federal Credit Union does not and has no consideration for me or my family in the matter, whatsoever.Thank you for your time in this matter. Sincerely,XXXX XXXX XXXX XXXX | ||||||
| 07/07/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, a total of {$3000.00} has been represented to the account ending in XXXX, and Navy Federal had purportedly claimed after a secondary review, there was no billing error was found. Despite XXXX XXXX had informed the undersigned that under the new rules issued in XXXX, Navy Federal should not send an inquiry ( Retrieval Request ) to the merchant, as the new rules issued in XXXX imposed a strict 120-day time frame, and two ( 2 ) dispute limit per transactions, the issuer no longer requires any evidence to issue an initial decision. Because XXXX XXXX acts as the card network and issuer in most transactions, theyll rarely think they have insufficient information to make an initial decision, the chargeback then will be filed, and the transaction amount is immediately removed from the merchants account. For the record, XXXX XXXX had informed the undersigned that Navy Federal as the issuer had only sent out one inquiry to the merchant via the XXXX XXXX network. If a chargeback was issued immediately after a dispute is filed, the merchant can represent the transaction within 20 days of the chargeback date by providing evidence against the claim or accepting the dispute. Because it was an inquiry instead of a chargeback, the cardholder will not be able to review the merchants written response. The cardholder had no choice but to accept the representment, even though Navy Federal never adhere to the XXXX XXXX chargeback rules and guidelines, as amended in XXXX. On XX/XX/XXXX, a payment of {$3000.00} has been reversed. Per records, on Wednesday, XX/XX/XXXX, a payment to Navy Federal has been scheduled with an estimated delivery date of XX/XX/XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX PM XXXX XXXXXXXX, OK ; XX/XX/XXXX XXXX PM XXXX XXXX, XXXX. Navy Federal had processed photocopies of this bill payment with the virtual number of XXXX from a Business Interest Checking account ending in XXXX in the amount of {$3000.00}. A payment hold has been placed on XX/XX/XXXX, and when funds are cleared, Navy Federal released the payment hold. To address this, the Check Clearing for the 21st Century Act ( Check 21 ), allows a financial institution to create and send a substitute check that is made from an electronic image of the original check. If a substitute check must be returned unpaid because of insufficient funds ( a dishonored or bounced check ), the paying bank endorses NSF ( non-sufficient funds ) as the reason for the return on the top-left corner. In this case, Navy Federal should reverse the payment and release the payment hold, encodes a " 5 '' as the EPC on the MICR line to identify the substitute check according to XXXX XXXX, along with the routing number of the depository financial institution and the dollar amount of the substitute check, because substitute check is just an image and will never be signed. In this case, Navy Federal should encode this information on a return strip, perforated strip, or carrier document that the financial institution attaches to the dishonored substitute check. The bank then returns the dishonored substitute check through the routing process, and Navy Federal will become the reconverting financial institution and send a legal copy to the undersigned. Ultimately, there is a 40-day time frame limit from the date your financial institution provided the substitute check or from the date of the statement that shows the problem, in this case, the legal copy has been officially accepted on XX/XX/XXXX, and now if the payment is being reversed on XX/XX/XXXX, it is 3 days outside of the 40-day time frame. | ||||||
| 07/21/2022 | Yes |
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| On XX/XX/XXXX, an unknown individual opened a credit card at Navy Federal Credit Union ( NFCU ) using my identity. The account was closed on XX/XX/XXXX but still remains on my credit score. It has negatively impacted my credit by approximately 150 points to a low of XXXX points on XX/XX/XXXX. I have never had any kind of banking relationship with NFCU. As of today ( XX/XX/XXXX ) when I checked my credit report, the fraudulent account status shows as " Collection/Chargeoff '' with a balance of {$7100.00}. I became aware of the identity theft in XXXX and reported the fraudulent activity to NFCU on XX/XX/XXXX, speaking to XXXX from their security department ( XXXX ). He indicated a typical timeline of 10-15 business days to investigate and resolve with a letter being mailed to me to indicate final outcome. I called NFCU again on XX/XX/XXXX, speaking with a XXXX from their security team, who could provide no additional information on the status of my incident and said they are addressed in order they are received, suggesting there was high volumes. I called NFCU again on XX/XX/XXXX and spoke with XXXX from their security team. She could also not give me a much of an update but did seem to indicate it was taking a longer time than expected. She escalated my incident to her managers. I called NFCU again on XX/XX/XXXX and spoke with a woman from the tier 1 help desk team. Every previous time I called in and transferred to the security team, it took at nearly 1.5 hours to get transferred and I didn't have time to wait on this occasion, as the hours overlap with my job 's hours. The help desk operator offered to send an instant message through an internal system while I was on the phone to XXXX, asking her if there was any updates to my incident that she could relay to the help desk/ me. There was very little update other than her managers had been made aware. Finally, I called NFCU again today ( XX/XX/XXXX ). After transferring from the tier 1 help desk team to the security team, I sat on hold for 2.5 hours before someone from security picked up. I spoke with XXXX. She indicated that since this was a fraudulent credit card, that someone from the Card Fraud Prevention ( CFP ) team would need to be involved. This was the first time I'd heard that information. XXXX also indicated that CFP isn't a public facing team. She put me on hold to find out what status could be ascertained. She indicated that my file had been escalated and also acknowledged my incident was taking a longer than typical time to resolve. While NFCU didn't steal my identity, they clearly have gaps in their identity verification process that allowed a fraudulent account to be opened initially. Further, their customer service organization is a disaster. The wait times to speak with their security team are always over an hour. In addition, they forbid their tier XXXX security team members from making outbound calls or communicating via email, making contacting them a herculean task. Finally, the visibility they can provide into your incident is extremely limited. All the while, your credit score is being wrecked. Given that NFCU markets itself as an organization dedicated to serving our military XXXX XXXX, I would suggest that based on how challenging it has been for me to get this resolved, it would be nearly impossible for a XXXX XXXX XXXX to have any ability to successfully solve an incident like mine. They should be required to fix their internal security problems ASAP or be barred from referencing the XXXX XXXX to create a perception of creditability as an organization. | ||||||
| 09/10/2016 | Yes |
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Web | Servicemember |
| I was the innocent victim of a suspected fraud claim but NFCU did nothing to assist me and help me out of the bind that I was placed in. There was a transfer of money from one friends account to another but the transfer resulted from a misunderstanding. My account was affected because I also received a transfer from the account suspected of fraud. It was n't fraud but just a misunderstanding like I said. The day after this transfer, my account is locked and I no longer have any access to my funds. I find this out after attempting to make a purchase at XXXX. No one in the security department ever reached out to me and said hey we suspect that your account may be involved in fraudulent transactions. I call the contact center immediately and get told that my account is under investigation and will be until the XXXX of XXXX and this is on the XXXX. Now I have a family and bills and a ton of responsibilities that require attention and money. I ca n't attend to those without monetary funds. I have been calling the customer center everyday since I found out about this and I 'm usually given these cookie-cutter/fabricated responses that help no one. As days pass I begin to become more and more frustrated by the disappointing low level of help and assistance I receive. One of the supervisors I speak with tells me that if the claim initiator calls and retracts the claim then investigation will stop in its tracks and I 'll gain access to my account but that was a lie. Long story short, the misunderstanding has already been cleared up at a much lower level like it should have been but the NFCU security department still has to pursue this ghost investigation that they are taking their time to complete. They are not concerned with the fact that I have a family to feed or the fact that I have to pay for gas in order to get to work or the fact that I put on a military uniform everyday and serve this country and protection of freedom all to be told that I ca n't be helped until the XXXX of XXXX. I currently have no access to any of my money and have no way to pay for anything. My account is locked/restricted due to something that has nothing to do with me and NFCU does n't seem to care. No one from security has even reached out to me like the customer contact center has told me they would. Then when I call to speak with the security department I 'm told that no one will speak to me as if I 'm not important enough. Oh and last but not least, one of the customer service supervisors I spoke with decided to give me the same lack of concern and empathy that his subordinates showcased and even hung up on me. I admit that I was speaking to the supervisor with much enthusiasm and passion in my voice and I was upset so I may have used some colorful language but when you 're back is pushed against the wall how are you not going to react. I found it very disrespectful that he would hang up in my face while I am voicing my extremely important concern. I would never threaten anyone with violence but when someone tells you tough luck and and acts as if they do n't care that you ca n't feed your family that would make any MAN upset enough to want to fight because a MAN goes out and works and puts food on the table for his family and after I have done the work you expect me to be fine with you denying me access to that money that I have put countless hours of work in for on a daily basis. I am VERY unsatisfied with NFCU and would like nothing else to be move my banking services elsewhere because I have been shown nothing but NFCU 's true colors once this issue arose. | ||||||
| 11/18/2021 | Yes |
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Web | |
| NAVY FEDERAL CR UNION Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$20000.00} {$19000.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all XXXX credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents. All of my rights has been violated according to The Fair Credit Reporting Act ( FCRA ) The lawsuit will be filed due to the utter lack of response from your Regions. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote Regions in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court if needed. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization while i was in incarcerated. XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. This matter could've been settled simply by your agreement to remove the false information from my credit file with the evidence I provided. I will also be aggressively pursuing the full judgment that I can go against XXXX for violation of the Fair Credit Reporting Act and Defamation as well. | ||||||
| 10/27/2023 | Yes |
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Web | |
| Request the following information from Navy Federal Navy Federal Credit Union is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. Navy Federal reporting inaccurate information and its damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. As Defined by The IRS Even if you didnt receive a form 1099-C, you must report cancel debt as gross income on your return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORT ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition the IRS Clearly says a Cancelled or Charge is income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 Says your company are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the Lender is a financial institution, credit Union , federal agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from IRS 2021 publication. SEND ME MY FORM 1099-C that should have sent when you have filled the account as a canceled debt. My address is listed below 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE this erroneous, inaccurate account from my consumer report. Navy Federal had 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 09/06/2022 | Yes |
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Web | |
| You are hereby ordered to CEASE AND DESIST all actions! You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act, RCW 62A.3, RCW 19.16 and 19.86 regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT your demand for payment in the above-named matter upon your complete and total fulfillment of the following conditions : Condition:1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your Company now claims is owed. Condition 2 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt. Condition 3 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt. Condition 4 : Provide verifiable proof that any actual money was ever created or loaned to me by Your company, and not mere bookkeeping entries that were made in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on your part. You have twenty-one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection. Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance is considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by your company to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of {$75000.00} USD, payable to XXXX XXXX as compensating damages. Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. XXXX : XXXX [ XXXX XXXX ] Without Prejudice, without recourse | ||||||
| 04/09/2021 | Yes |
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| I first put in an application with Navy Federal Credit Union on XX/XX/XXXX. XXXX. My credit was pulled and I was issued a denial within 72 hours. Following this I appealed the denial and presented additional documentation supporting the use of $ 0 monthly payment for my student loans as per XXXX XXXX guidelines XXXX Which NFCU must abide by for conventional loans ). I was then advised on XX/XX/XXXX that this did not change the outcome of the denial. I then escalated the issue to upper management in underwriting, hoping they would be able to review it accurately and abide by XXXX XXXX guidelines. I was informed on XX/XX/XXXX, they unless there was new documentation, the denial could not be overturned. I had advised management that I provided all documents from XXXX, and that they met the XXXX guidelines for accepting income based repayment plans ( Which I will copy below directly from XXXX XXXX 's selling guide ) If a monthly student loan payment is provided on the credit report, the lender may use that amount for qualifying purposes. If the credit report does not reflect the correct monthly payment, the lender may use the monthly payment that is on the student loan documentation ( the most recent student loan statement ) to qualify the borrower. If the credit report does not provide a monthly payment for the student loan, or if the credit report shows {$0.00} as the monthly payment, the lender must determine the qualifying monthly payment using one of the options below. If the borrower is on an income-driven payment plan, the lender may obtain student loan documentation to verify the actual monthly payment is {$0.00}. The lender may then qualify the borrower with a {$0.00} payment. For deferred loans or loans in forbearance, the lender may calculate a payment equal to 1 % of the outstanding student loan balance ( even if this amount is lower than the actual fully amortizing payment ), or a fully amortizing payment using the documented loan repayment terms. Based on these guidelines my income based repayment plan with a XXXX XXXX monthly payment is acceptable to use as long as it is not in forbearance. I provided documentation showing it was not. NFCU attempted to state that because I have to recertify the plan every year that it was unacceptable. However, all income based repayment plans must be recertified every single year per federal student loan servicer requirements. XXXX XXXX makes no mention that this is a factor in determining approval of payment amounts for income based repayment plans. Nor does it state the payments must extend beyond 12 months. As long as I recertify every year, this document is considered acceptable for qualification. XXXX XXXX has acted in a discriminatory fashion by denying me a mortgage loan using excessive requirement above the established XXXX guidelines. Excessive guidelines go against the standards set forth by the CFPB to protect borrowers from such actions. Furthermore, I have already verified with both XXXX XXXX, XXXX, as well as a separate lender, that the documentation is sufficient to meet the XXXX guideline for use of a {$0.00} payment in my liabilities. Therefore I am requesting this to be addressed and for my loan to be approved and with reparations for the hardship this stress has caused my family, during a time that should be considered momentous. NFCU has created this hardship through excessive use of their underwriting department, without properly following established lender guidelines, and are therefore creating unfair treatment of student loan borrowers. | ||||||
| 01/04/2023 | Yes |
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Web | Servicemember |
| Sirs : We wish to advise you of a complaint we have with Navy Federal Credit Union ( NFCU ). The timeline of events is below. As of the date of this letter we still do not have access to the disputed funds, nor do we know where they are held by the 3rd party NFCU uses for its Web Bill Pay service. Nor do we know when these funds will be applied to the intended bill, returned to us, or some other action. This is an intolerable sequence of events, distinguished by NFCUs inability to answer the most basic questions, changing its answers, or just pleading ignorance. XXXX XX/XX/XXXX : NFCUs web bill pay was used to pay/direct {$1500.00} to the XXXX account ending in XXXX as we have been doing for years. XXXX XX/XX/XXXX : We checked the NFCU web site and noted the {$1500.00} had been withdrawn from our checking account, but no indication that it had been applied to the XXXX bill. XXXX XX/XX/XXXX : Later that day we called NFCU and were advised after an awkward call to the Credit Card branch that they could not help us and we would hav e to talk to the Web Bill Pay Branch. It was then we were advised that : - - The actual payments are performed by a third party external to NFCU - That NFCU had no visibility into the status of the funds nor their location - That we could not contact the XXXX party entity - That the XXXX party entity sometimes instead of paying electronically, would send paper checks via XXXX Mail to- * The party to be paid or, * The party that submitted the funds for payment. - In either case, there was no communication with the NFCU customer from the XXXX XXXX nor NFCU. XXXX XX/XX/XXXX : We went to the local NFCU XXXX XXXX ( XXXX XXXX XXXX, Virginia XXXX ) and to the XXXX XXXX XXXX XXXX XXXX. We explained the situation to her which was evidently beyond her capacity to resolve. She then called the NFCU Resolution line and we waited about XXXX minutes for her to be able to talk to an agent. While XXXX XXXX was telling us about the web bill pay price, evidently the resolution agent was correcting her because she had to recant her explanation immediately. The bottom line was NFCU could not determine the status of our funds other than it seemed like the XXXX XXXX XXXX XXXX XXXX XXXX had them. There was no way for any question to be communicated to this service and we would just have to wait until Wednesday XX/XX/1923 to see what, if anything, was going to happen. XXXX XX/XX/XXXX : The NFCU web site still lacks any indication of where the funds are or when they XXXX arrive wherever they are being sent. XXXX XX/XX/XXXX : Called NFCU web bill pay agent and was told NFCU does not think the funds are in NFCU, they also contacted the XXXX party vendor who told them the vendor could not confirm or deny if the funds were in their system. So, after a XXXX minute call, the {$1500.00} is unallocated, unavailable, and there is no estimate of if or when the situation might change. We find this entire situation unacceptable starting with the lack of transparency set in place by NFCU. We were unaware that NFCU Web Pay service depended on an external third party who does not answer to NFCU nor the customers they are intended to serve. There was nothing on the NFCU web site to advise us of this arrangement. We request the situation be investigated to ensure no regulations were violated in this exercise in abysmal customer non-service. We expect the XXXX be placed back in our checking account or added to the XXXX XXXX rewards credit card as we directed. Sincerely, XXXX XXXX and XXXX XXXX XXXX, XXXX ( XXXX ) | ||||||
| 04/17/2015 | Yes |
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Web | |
| XXXX XXXX, XXXX TO : Navy Federal Credit Union/ XXXX XXXXPresident XXXX XXXX FROM : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Nevada XXXX RE : Home Loan This letter will serve as my notice of displeasure with the treatment and handling of my loan package in XXXX XXXX. I requested to be processed for a XXXX XXXX guaranteed loan. This loan is guaranteed to all veterans who have served and received XXXX. I met all of the guidelines to be granted a XXXX loan according to an Employee from the XXXX loan production department. The employee 's name is XXXX XXXX XXXX, phone number XXXX, ext. # XXXX. During our conversation, XXXX XXXX informed me that they did not deny me the loan and that it was Navy federal Credit Union that did not want to underwrite this loan as a XXXX loan. Further investigation of this matter with the Internal Revenue Service concerning my wife 's debt owed to them should not and legally they do not have any standing or interest to go after said name property purchased through Navy Federal Credit Union. The IRS employee 's name is XXXX XXXX ; phone number is XXXX - XXXX, there is no lien in the state of Nevada, XXXX XXXX recorded against my wife XXXX XXXX XXXX. Since the deed is recorded with XXXX XXXX clearly showing that she signed off of any interest in the property it is not an issue for the IRS. During the processing of this loan your loan officer and including you XXXX XXXX explained to me that you needed to order a credit report on my wife because it is required in a community property state and also require by VA guidelines. You and your processors clearly stated to me that her credit was not being used for qualifications purposes but merely to meet lending policy requirements. However, after speaking with you on XXXX XXXX, XXXX, you stated to me that my wife had a foreclosure with Navy Federal Credit Union in the conversation with me about why I did not get a XXXX loan. I find this statement to be prejudicial to me as a veteran and a member who did not at the time of my wife 's dealings with Navy Federal Credit Union had any obligation to Navy Federal Credit to satisfy her obligations. We were not married at the time of any debts owed to Navy Federal Credit Union. It is an established fact after speaking to all parties that Navy Federal Credit Union could have underwrote a XXXX loan for me the XXXX applicant. For you XXXX XXXX, to even bring up in our conversation the fact that my wife had a foreclosure with Navy Federal Credit suggests that you and Navy Federal Credit Union gave me a loan other than a VA loan in a roundabout way of recouping money lost by my wife 's debt to Navy Federal Credit Union. Further, I am claiming violations under the Fair Housing Act. I will not enumerate here of all of them, however I am a disable veteran who happens to have a wife that defaulted on a loan to Navy Federal Credit Union. The law clearly states that if you considered any of her actions against me during this process, then this would be considered a discriminatory practice and a violation of this act. Due diligence is in question here regarding your understanding of the leniency of the funding requirements for a XXXX loan. Did Navy Federal do all it could to make sure that I the veteran was being service competently, that is the question that still is unclear. Based on my investigation of all parties concerned, I would have to say no. The other question that I have is what is Navy Federal Credit Union policies internally regarding helping veterans get approved for a XXXX loa | ||||||
| 03/18/2021 | Yes |
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Web | Servicemember |
| I booked a group vacation with The XXXX XXXX XXXX on XX/XX/XXXX, and I was due to travel to XXXX with them on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX postponed my trip due to Covid- 19 travel restrictions. As you can see from the email, they offered me a refund credit note which was due to expire on XX/XX/XXXX. If I didnt use the voucher during this time-frame I would have been able to claim a full refund. *Please see the attached emails clearly showing that my trip was postponed I made the following payments using my NAVY Federal Credit Union ( NFCU ) Debit card, ending XXXX XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$2900.00} Please note : The second payment of {$2900.00} was made from my NFCU Debit card via XXXX XXXX The XXXX XXXX XXXX had a commercial entity agreement with XXXX so my normal card rights apply. *Please see the attached XXXX XXXX receipts of payment with the confirmed date of trip XXXX XXXX went bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the service that I paid for. *Please see the attached email sent to me by the insolvency practitioners, XXXX on XX/XX/XXXX, informing me of the administration. Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. I opened up a dispute with NFCU using the Visa chargeback code : 13.1 Merchandise services not received. Visa claim that a dispute must be processed no later than either : 120 calendar days from the Transaction Processing Date 120 calendar days from the last date that the Cardholder expected to receive the merchandise or services ( Not to exceed 540 calendar days from the Transaction Processing Date ). The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be the expiration of my refund credit note which is XX/XX/XXXX. Alternatively, they may use the date I found out that I would not receive the trip ( XX/XX/XXXX ). *see attached refund credit note expiring on XX/XX/XXXX NFCU initially opened the case and refunded me the full amount but XXXX XXXX merchant acquirer XXXX appealed my dispute on the basis that I may have been told that I was protected by XXXX XXXX financial failure insurance. My bank took the money back from me without giving me an opportunity to show them that XXXX was wrong I am not covered by insurance. The financial failure insurance was in place for XXXX XXXX customers only. This is made very clear on the flowchart sent to me by the Insolvency practitioners XXXX. *I have attached a copy of the flowchart sent to me by XXXX XXXX please see the red box in the bottom right corner clearly showing that US customers are not protected by financial failure insurance. I have been informed by The XXXX XXXX and the administrators for the company, XXXX, that I am not financially protected in any other way. Furthermore, the insolvency practitioner XXXX has confirmed that the flow chart that was sent to all XXXX XXXX customers was agreed and approved by XXXX themselves. I have received confirmation that I am not insured by the company 's insurers XXXX / XXXX. *Please see the attached emails from XXXX and XXXX confirming that I am not insured. The company 's administrators XXXX have told me to claim from my Debit card. I would like NFCU to re-open my dispute and refund me, in accordance with the Fair Credit Billing Act. | ||||||
| 05/05/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I called to apply for a credit increase for my credit card. The limit is {$20000.00}. I'd requested the max limit, a {$50000.00} credit limit. I didn't have a specific expectation, but I did expect Navy Federal to at least run my credit and assess everything fairly. The customer service representative to my information during the application process, such as income, address, and other information. After I gave this information, the representative provided a mandatory statement before submitting my credit application. The representative stated that my credit would be checked during this process, and there would be a hard inquiry on my credit report. Because this was mentioned, I was under the impression that a current credit/more up-to-date credit score would be used during the decision-making process. After seeing no inquiry on my credit, I called back to make sure everything was ok. The representative said that the process would take 24-48 hours. I called back a day later to find out the status and was informed that I was declined an increase based on my credit report. I'd asked about my credit being checked and if I could dispute this, which I did. I was denied again. I asked them why a new credit report was never pulled for my credit. The representative said they used a credit report from XX/XX/XXXX, an old credit report. I'd explained that I was under the understanding that they would run a new credit report, which they never did. I spoke to a supervisor on XX/XX/XXXX to ask what the procedure was during the application process. She explained that a hard credit inquiry should happen, but they can use a soft inquiry or use an older credit report. I asked her how this provides an accurate and fair result during decision-making. I also asked why anything was mentioned about a soft inquiry during the statement made before the application was submitted and why the customer wasn't notified about this hidden process. She exclaimed that even though it's not mentioned to the customer, that Navy Federal Credit Union has the option to use an older credit report on file to make their decision, even if a new credit report will yield a better result/outcome. I explained that I'd been a customer for over 20 years. I've always made an effort to keep my accounts in good standing. None of my bank accounts were delinquent, all of my loans and credit cards were not late, and I have almost {$12000.00} of income that comes into my Navy Federal accounts between my employment and my XXXX XXXX checks. I'd just paid my car off in total, and my credit score had gone up tremendously because of that. I felt that I was not being treated fairly as a customer. They should have used a new credit score/check when making their decision and not one that was almost seven days old. I am very disappointed not because I was declined but because I don't feel that this decision was based on anything accurate or fair. If they were going to use an old credit report, I should have been made aware of the statement given before my application was submitted. This is no longer about a credit increase but unfair practices. As soon as my XXXX account is ready, I will go back to them and remove Navy Federal Credit Union accounts. I feel insulted, and I've wasted my time and money trying to make sure I keep my bank accounts in good standing and re-coop any losses that I may have caused navy federal. They probably will never change the way they treat customers, but at least they won't ever get the chance to be mistreated again. | ||||||
| 10/27/2018 | Yes |
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Web | Servicemember |
| Friday, XX/XX/XXXX CFPB Staff, Please provide the CFPB official claim form to me for appropriate filing for Navy Federal Credit Union ( NFCU ) members who incurred unlawful violations pursuant to the Dodd-Frank Act, the CFPB Consent Order File No. XXXX, http : //files.consumerfinance.govXXXX and subsequent mail fraud and escrow violations by Navy Federal Credit Union. I have not opened any additional personal or business loans, credit cards or lines of credit with NFCU upon the completion of the audit in furtherance of the sell of my house and close of escrow on XX/XX/XXXX. Please be advise that I physically entered the NFCU Riverside, CA branch and requesting permanently closed the NFCU accounts for both XXXX XXXX XXXX ( spouse ) # XXXX and XXXX XXXX XXXX XXXX ( son ) # XXXX well over to ( 2 ) years ago upon learning of the unlawful pilfering of funds from their accounts by NFCU. I subsequently discontinued both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX allotments to those accounts as indicated in XXXX records. As indicated by the mail fraud documents enclosed in This complaint, I am still receiving NFCU mailings identified as Statements of Accounts for both of those closed accounts. NFCU is sending unsolicited credit card offers to my son and have refused to discontinue this course of behavior. NFCU is in breach of the Escrow contract that indicated all lawful debts ( to include the mortgage ) to NFCU had been identified by Lawyers Title Company File # XXXX whom facilitated the escrow process to initiate all debts paid to fruition and close of escrow. In breach of contract, shortly after acquiring my mortgage from XXXX XXXX XXXX NFCU increased my mortgage payment from {$1700.00} to {$1800.00} without prior written consent creating an undue financial burden. Upon written and oral request for a loan modification, NFCU employees enacted numerous actions to obfuscate financial relief with debilitating delays and threat of punitive actions throughout the process. At the close of escrow and the normal sale of my house, NFCU fraudulently listed my sale as a foreclosure and refused to change it for months causing severe damage to my credit report and the loss of the purchase of a new home. Several NFCU employees have prevaricated to the Consumer Financial Protection Bureau that all accounts have been satisfied and no further collection actions were warranted or taking place, but as indicated by the mail fraud and letters to my spouse and I documents comporting collection practices are still occurring and matching the amounts of {$55.00}, {$50.00} and {$35.00} which equal the remnant amounts I have been tracking since the close of escrow. Please refer to the NFCU enclosures for corroborative information on the consistency of mail fraud, pilfering, extortion and punitive actions against me and my family. Please be advised that an additional ten ( 10 ) page enclosure identified as, Navy Federal Credit Union Patterns of Negative Issues and Potential Breach of Contract as common Practice has been included in this complaint to indicate a pattern of consumer financial violations before, during and after the period of the CFPB Consent Order as well as my pecuniary involvement with NFCU, to include XX/XX/XXXX through XX/XX/XXXX. I am requesting to CFPB to include me in the consumer class action against NFCU as a result of multiple counts of arguably criminal financial violations of the Dodd-Frank Act, CFPB Consent Order File No. XXXX, and subsequent acts of mail fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 02/09/2016 | Yes |
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| got this in my e mail XXXX to go to the savings acct nothing states on approval, I was review for XXXX 5 yrs heard nothing Navy Federal & XXXX ; XXXXXXXXXXXX & gt ; To XXXXXXXXXXXX XXXX XXXX at XXXX You 're invited to apply for an auto loan! View in Browser Navy Federal Credit Union Navy Federal Security Zone Email for XXXX XXXX XXXX Get Going in a New Car! Remember! Apply for an auto loan at low, competitive rates and buy the car you 've been dreaming about. APPLY TODAY Celebrate 2016 With a New Car! . Save with our Auto Buying Program Get low, established pricing and a stress-free buying experience on your next auto, motorcycle or powersport vehicle! LEARN MORE Save with our Auto Buying Program. Refinance and get {$100.00}! If you did n't finance your auto loan with Navy Federal, now is your chance! Refinance your current auto loan from another lender and get {$100.00}. * LEARN MORE Refinance and get {$100.00}! Products & Services FAQs Mobile Banking Branches & ATMs Contact Us FB TW Please do not reply to this email. This email is being sent from Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX. For contact information, or if you have any questions about this email, please contact us or call XXXX. EHL Equal Housing Lender | APY= Annual Percentage Yield | APR= Annual Percentage Rate. ( C ) 2016 Navy Federal Credit Union. All rights reserved. Message and data rates may apply. Terms and Conditions are available. NFCU XXXX ( XXXX ) Important information about online security. Federally insured by NCUA. Unsubscribe | Privacy Policy *Existing Navy Federal loans are not eligible for this offer. You must make your first scheduled payment in order to receive the offer. {$100.00} will be credited to the primary applicant 's savings account between 61 and 65 days of the loan origination date. If the auto refinance loan is canceled or paid off in the first 60 days, the {$100.00} offer will become invalid. Recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive. Navy Federal & lt ; XXXXXXXXXXXX & gt ; To XXXXXXXXXXXX XXXX XXXX at XXXX You 're invited to apply for an auto loan! View in Browser Navy Federal Credit Union Navy Federal Security Zone Email for XXXX XXXX XXXX Get Going in a New Car! Remember! Apply for an auto loan at low, competitive rates and buy the car you 've been dreaming about. APPLY TODAY Celebrate 2016 With a New Car! . Save with our Auto Buying Program Get low, established pricing and a stress-free buying experience on your next auto, motorcycle or powersport vehicle! LEARN MORE Save with our Auto Buying Program. Refinance and get {$100.00}! If you did n't finance your auto loan with Navy Federal, now is your chance! Refinance your current auto loan from another lender and get {$100.00}. * LEARN MORE Refinance and get {$100.00}! Products & Services FAQs Mobile Banking Branches & ATMs Contact Us FB TW Please do not reply to this email. This email is being sent from Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX. For contact information, or if you have any questions about this email, please contact us or call XXXX. EHL Equal Housing Lender | APY= Annual Percentage Yield | APR= Annual Percentage Rate. ( C ) 2016 Navy Federal Credit Union. All rights reserved. Message and data rates may apply. Terms and Conditions are available. NFCU XXXX ( XXXX ) Important information about online security. Federally insured by NCUA. Unsubscribe | Privacy P | ||||||
| 07/18/2022 | Yes |
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| In XX/XX/2022, Navy Federal Credit Union received a {$44000.00} payoff check following the sale of my car, for which Navy Federal was the lien holder. Navy Federals automated transaction system credited {$77.00} to and then debited {$38.00} from my savings account following payoff of my auto loan. Upon complaint to Navy Federal regarding the strange transaction history, multiple representatives stated the automated system must have incorrectly issued the credit in an amount too great and immediately debited the incorrect portion. No representative was willing or able to manually research the transaction to confirm the automated systems transactions were accurate, replying that the system is automated. If an automated system can incorrectly credit an account, it could also incorrectly debit an account. Therefore, Navy Federal should perform manual due diligence of my account by reviewing the loan pay off amount, the daily interest accrued, and the final loan payment received to confirm to me that the credits and debits received as an overpayment of the loan payoff were accurate. I tried to resolve this issue in person at a local Navy Federal branch on XXXX XXXX in XXXX, FL on XX/XX/2022, but no representative would do the math or seek assistance from their the back office. I had to wait over XXXX minutes to speak with a banker in person. Before visiting the XXXX XXXX branch, I visiting the XXXX XXXX XXXX, which was unexpectedly closed on a weekday. I also tried calling Navy Federals XXXX number multiple times over three weeks, but could not speak with a representative due to hold times estimated to be 20 or 40 minutes. During my XX/XX/2022 visit to the XXXX XXXX XXXX, I also sought withdraw all funds in and ultimately close my account with Navy Federal. My savings account total was only {$46.00}, with {$5.00} locked as a membership fee. I previously attempted to transfer the available balance of the account to my other external accounts, but such transfer attempts were blocked by Navy Federal because my account was considered a non-transaction account. At the branch, I was told the only way to access the funds was by requesting a cashiers check. I argued the issue further, stating that I should be free to withdraw the funds in the form of cash without incurring a cashiers check fee. Navy Federal finally allowed me to withdraw all funds in the form of cash by first closing my account, which took over an hour to process in person. Following these experiences, I politely informed the representative in person that I wished to enter a formal complaint to Navy Federals complaints or compliance department. The representative stated she did not possess access to the customer complaints system and needed to speak with her leader. After a lengthy wait, she replied that I had to wait five minutes longer to speak directly with her leader. I waited another 15 minutes before choosing to leave the branch, after spending well over two hours at the location. The overall amount of funds at issue is very small, but Navy Federals handling of my accounts and complaint is inexcusable. Navy Federal should proactively exercise due diligence over automated systems, be willing to manually support customer account auditing requests, increase telephone support manpower to limit hold times, shorten in person wait times in branches, and expedite account closures upon request. I should also be free to access available funds in my savings account, through cash withdrawal or external transfer, without incurring fees. | ||||||
| 12/14/2022 | Yes |
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| Im typing this complaint as the legal attorney in fact of my husband XXXX XXXX. Two legally executed and valid durable POAs were notarized by the prison law Librarian XXXX XXXX on XXXX XXXX. These durable power of attorneys along with an agents certification of the validity of the POAs were taken in person to the Texas Secretary of State in XXXX, Texas on XXXX XXXX to be authenticated/apostille. Apostille is a form of authentication thats accepted both internationally and domestically. Navy Federal has repeatedly falsely dtated possible fraud with my account and there is absolutely no fraud with my accounts. There is a checking and savings account opened and operated legally. Navy Federal is actually negligent in their fiduciary duties and they have illegally restricted my bank account even though 100 % of the funds were verified by the sending institution XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. The funds we wired into the bank account from the result of a real estate deal. That deal was executed by a Texas attorney XXXX XXXX XXXX. The property that was sold was a property that was purchased in XXXX with a power of attorney so the deed reflected both XXXX XXXX and XXXX XXXX. At that time XXXX XXXX XXXX wasnt married to XXXX XXXX but her intentions with the relationship was a lifelong commitment and she operated in a manner to include me as an owner on everything she purchased or every business she opened. This same property was sold with a power of attorney on XX/XX/XXXX. That money wired into the Navy Federal bank account were verified, There was a service message from Navys wire department sent to XXXX XXXX wire department requesting 3 pieces of information. Navy needed them to verify the validity of the wire, to verify the name of the person to receive the wire and the reason for the wire. XXXX response was the following : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. ORG STATES XXXX XXXX IS THE PROPER RECIPIENT OF THESE FUNDS. THEY ARE PROCEEDS FROM THE SALE OF HIS PROPERTY TO NOTE COUNTRY LLC, THE FUNDS WERE ESCROWED PURSUANT 1 OF 2 ) Ive lost my home and lost my storefront, my vehicles, my life insurance policies and as a desperate plea I contacted XXXX XXXX on XX/XX/XXXX to advised them of what was happening and how Navy Federal been refusing to acknowledge the funds were verified and the account should be unrestricted because the funds rightfully belong to me, XXXX XXXX, Once the sending bank realize this situation they immediately sent this second part of the service message to Navy Federal that states : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX OF XXXX ) TO THE CONTRACT BETWEEN THE SELLER & BUYER. XXXX XXXX IS CONTRACTUALLY ENTITLED TO THESE FUNDS. PLEASE CREDIT XXXX ASAP AND NOTIFY WHEN XXXX RECD FUNDS THANKS XXXX XXXX XXXX. Also attached is 18 pages that include all service messages communications that was provided to me as a courtesy to show they had already verified this information and that Navy Federal has no legal reason to suspect fraud or no legal reason to restrict funds when 100 % of the funds were verified by the sending institution. Ive been denied the opportunity to submit original documentation in person at a branch so I dont want this to be used against me. Navy Federal has no legal standing to restrict bank account or to repeatedly tell CFPB possible fraud without given details. Its a stall tactic and please dont allow Navy Federal to continue to harm me. We want to close ALL bank accounts and conduct business with another financial institution. | ||||||
| 07/09/2023 | Yes |
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Web | Servicemember |
| I have faced severe discrimination and excessive reporting practices such as the following severe late payments on auto loan, have not missed an auto loan payment in 4 years, auto loan closed, auto car has been repossessed. New auto loan account. All of this has happened since XX/XX/XXXXXXXX to present day XX/XX/XXXX. With the statement Navy Federal Credit Union has reported all of this information as occurring during the above mentioned time frame. This information has been reported to Al 3 credit bureaus and credit monitoring agencies such as XXXX XXXX. Non of which is true. Even though car is in my possession and I paid XXXX XXXX dollars on Auto loan last year in advance in my attempt to make my debt lower in order to stop my homeless veteran situation. I used all of my Va XXXX back pay to purchase a home with the help of family and faced opposition from Navy Federal Credit Union during that time frame. I paid and settled every loan and credit card that I had with Navy Federal Credit Union and requested settled in full to be reported on my credit report from XXXX to XXXX of XXXX. Navy Federal Credit Union reported Settled for less than the full amount. According to my XXXX credit report the late payments were due to have less of a negative effect on my credit worthiness due to this occurring in XXXX to XXXX. Now Navy Federal Credit Union has reported this information as a closed account, repossessed account and now a new Auto account within the last 60 days.Now I am facing homelessness due to not being able to qualify for a mortgage adjustment loan or XXXX due to the excessive reporting of the same information by Navy Federal Credit Union who I believe to be a predatory ruthless lender they have taken money out of my bank account for an alleged missed loan payment that was sent to a collection agency. That I was in the process of settling. As a person with integrity who has served my country with Honor Courage and Commitment I spent in the upwards of XXXX trying to settle my debts with Navy Federal Credit Union. I simply ran out of money. Navy Federal has damaged my credit worthiness by reporting old information as new information keeping me at a severe disadvantage. I am not able to be free of this predatory loan reporting practices and excessive over reporting of the same loan information even after settling my debts. All during the CoVid 19 Pandemic. I am now in fear of them repossessing my car charging me higher interest rates while I try to free myself from these last two accounts, an Auto Loan and a XXXX credit card. The credit card is closed but the auto loan is not. I faithfully pay my bills. Not missing a payment. I am seeking a full Investigation, damages for excessive abuse of power and authority by way of manipulative reporting practices that disadvantages me as a consumer. I want to be made whole without any further damage to my reputation or my credit. I only learned recently that I did not have to pay Navy Federal via a collection agency or Navy Federal to be exact during the CoVid 19 Pandemic. However I paid in good faith. I am seeking compensation for the damage this has caused me and am hoping that these remaining two accounts can be settled or closed in order to sever ties from this ruthless predatory lender. In the attempt to ease my mood XXXX XXXX XXXX XXXX at which I am service connected for. Navy Federal never notified me in writing about the closure of my account, repossession or new auto account.These facts or incorrect. Sincerely XXXX XXXX | ||||||
| 01/19/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 RE : XXXX To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 1. Account Name : Navy Federal Credit Union 2. Account Number : XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. In addition, I demand to have a copy of my updated consumer report once the following changes have been made. Sincerely, XXXX XXXX XXXX Email : XXXX XXXX | ||||||
| 09/01/2022 | Yes |
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| My Visa Flagship Card Account Ending in # XXXX, was compromised and used without my permission on XX/XX/2022 for the total amount of {$21000.00} at the XXXX XXXX XXXX, in XXXX, NJ. Upon discovering my wallet and personal items were missing, I immediately went back to Navy Federal Credit Union Branch in XXXX XXXX, NJ. I spoke with a representative regarding my lost wallet in hopes that someone found it and returned it to the branch. At that time the representative reviewed my account to pause my credit cards and found my card was charged for {$21000.00}. I then went to the XXXX XXXX police department to report my wallet missing which consisted of my license, credit cards, debit cards, social security, etc. The police provided me with a report and a case number, in which I provided too NFCU. In return, NFCU advised me that the charge would be investigated, by means of obtaining signature, video footage from the place of the fradulent charges. I was advised that the investigation would take 90 days. After they concluded their investigation, I was advised that they were in favor of the charge and it would remain. In the letter sent determining their reason for denial, it alluded to the fact that I was a criminal and made arrangements with the store. And also stated that they made their decision based on my account spending, in which me and my wife pay off the card numerous times throughout the year. I feel victimized and racially profiled as a criminal by the bank, in which I am the actual victim. NFCU stated that they sent a text msg to my phone asking for permission to process the charge, in which I never received a text message, nor have I ever received a text from them in the past, requesting permission for large transactions. NFCU always calls my phone to verify verbally with me. I contacted XXXX to obtain a phone bill to prove to them that I didn't receive such text, and per XXXX, prepaid accounts do not have bills, nor are calls/texts captured for such events. NFCU also advised me that they did not contact the vendor to obtain video surveillance, or signature, per their policy they do not do such things. But during the initial report of the incident, I was advised they would be doing a thorough investigation, in which it turns out that they did nothing to help me as a victim. Instead they are degrading my character and integrity by making accusations that I am a criminal. I requested that the call that was initiated into NFCU be reviewed and they did not review that either. I'm left in the dark as to what happened and now I have charges for {$21000.00} in which I have no idea of what it is, and they won't provide anything to assist me. I sent video footage to show my whereabouts on that day of the incident, and I went to the scene of the crime and filed a police report with XXXX Police Department. If I had known they were not going to do a thorough investigation, I would have done my own sooner, to prevent any delays. I feel as though I was misled by NFCU by tricking me into thinking they were there to help me. They have not provided any proof that I was involved and I demand, that they review everything thoroughly that was sent over to them, instead of sitting my file on the desk for 90 days and not review anything and turning around denying the fraud case. I am currently awaiting a detective from XXXX police department to be assigned to the case. Clearly you can't put your trust in the bank to protect your money. Instead, they want to make you out to be a criminal. | ||||||
| 10/16/2019 | Yes |
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Web | Servicemember |
| About a week ago, I received ten checks from XXXX XXXX because I filed a complaint against them with the U.S Department of Transportation. XXXX XXXX reimbursed some of the money that we paid for nine of us when we were on vacation which was majorly delayed along with unnecessary expenses caused by the delay. Now, on Friday, XX/XX/2019 at XXXX, I went to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Nevada in order to deposit all ten checks. I waited in line for a good half hour when I was finally seen by a young lady. She looked at the checks, seen different names on them along with deposit only on the back. She then asked for the manager which was a XXXX, XXXX XXXX lady with XXXX. She said that the checks needs to be signed by each person before depositing unless she places them into each persons account. I said no because these funds are mine since we paid for the whole trip and XXXX XXXX was fully aware of this. I then stated that two of these people are minors and by law, do not need to sign these checks. I then took the checks back and contacted everyone to come over to our house to sign the checks so I can deposit them. On Tuesday XX/XX/2019 at XXXX, I went to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX Nevada in order to deposit all ten checks into my account. The teller said that I needed to sign the checks. I said no, I didn't need to and asked for the manager. The manager came which was a XXXX XXXX XXXX woman. She asked if this company was out of the country and I said XXXX XXXX is from XXXX. She then stated that she can deposit just our checks only and not the other three checks for the other relatives. She then said that the checks would have third party fees because they would need to go to XXXX XXXX in order to get the funds and could take six weeks because these checks were from out of the country. I said why when I already had everyone sign the checks including our minor children! I then asked for the checks back and then went home. I then contacted Navy Federal Credit Union by phone on Tuesday XX/XX/2019 at XXXX and spoke with XXXX which was the supervisor. I explained that I purchased all the tickets for this trip, that I went to Navy Federal on XXXX XXXX on last Friday and what the manager told us. I had everyone sign the checks including the minor children, then went to Navy Federal at the XXXX XXXX location to find out that I could not deposit these checks into my account. The facts are ; these check are issues from a XXXX Branch location located in XXXX Delaware. All of these checks were signed by each person ( endorsed ) that was issued the check too, all the checks are in my possession along with each invoice receipt which reflects these checks were mail by XXXX XXXX to my home address and not to anyone else. Furthermore ; the employees at each branch should have notified me, the customer what the procedures are without wasting the customers time and money by driving around unnecessarily! Now, endorsing a check does not require the person that is giving the check to another person, that the endorser does not need to reflect that he or she is endorsing the check ( s ) to a certain person with there name on it but XXXX the supervisor said that it was a requirement. I notified him that I wanted to file a complaint against these managers that failed to give me the correct information, wasting my time and money and that I was going to file a complaint against Navy Federal with Federal and State agencies. | ||||||
| 06/14/2019 | Yes |
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Web | Servicemember |
| The following scenario was explained to my bank Navy Federal Credit Union and supporting documentation of emails to and from XXXX XXXX as well as XXXX Claims forms were uploaded on XX/XX/2019. The situation is as follows : ***Undelivered order : XX/XX/2019 order # XXXX {$340.00} XX/XX/2019 order # XXXX {$140.00} XX/XX/2019 order # XXXX {$190.00} XX/XX/2019 order # XXXX {$220.00} An email stated my packages were delivered on XX/XX/2019 for orders # XXXX and XX/XX/2019 for order # XXXX. Upon not receive the first 3 orders, I contacted XXXX XXXX on XX/XX/2019 and was told I needed to complete claim forms for XXXX and email them back to XXXX XXXX. I waited a few days and then did not receive the final order so I filled out the claim forms and sent them to XXXX XXXX at XXXX XXXX on XX/XX/2019. I received a response from XXXX at XXXX XXXX on XX/XX/2019 stating that XXXX confirmed that the shipments had been " lost in transit '' and she asked if I wanted them to reship the orders or issue a refund. I asked or a refund. The refund was not issued so I attempted to contact XXXX XXXX again via email on XX/XX/2019 and received a generic message stating they would get back to me. At this point I filed a chargeback with my credit card company. XXXX XXXX claimed to them that the merchandise was delivered despite advising me otherwise in both an email and in response to a XXXX complaint. The merchant confirmed through both mediums that it was not received and that they indeed offered reimbursement. *** On XX/XX/2019 the provisional credit placed on my account by Navy Federal Credit Union was reversed. I called them that very day and was told that my claim was entered as " merchandise not received '' as opposed to " refund not issued. '' I was told to resubmit the documents and the claim would be reissued and I should have an answer in 7-10 days. I hadn't received a verdict so I contact NFCU XX/XX/2019 and was told that because the merchant stated the product had been delivered that they could not resubmit the chargeback and that I would have to take it up with the shipper. I told them I had already filed a claim through the merchant with the shipper ( XXXX ) and was informed that XXXX processed and reimbursed the claim to the merchant ( XXXX XXXX XXXX stating that the merchandise was " lost in transit ; '' at which time I received an email from XXXX XXXX XX/XX/2019 stating they would issue a refund. Navy Federal then proceeded to tell me that there was nothing they would do be able to do from this point forward despite the overwhelming evidence including correspondence from the merchant and the shipper stating that I did not receive the package. This is unacceptable, you expect that when a merchant does not deliver goods or at the very least if they offer reimbursement for a legitimate claim that they would keep their word and refund the customer 's money and that Navy Federal would advocate for their customer. I did everything I was supposed to do as the consumer ; I contacted the merchant, filled out the claims forms, requested refund, waiting for said refund, filed with my bank when refund was not received with all pertinent documentation and because of Navy Federals mismanagement this predatory merchant is essentially getting away with fraud. I have never received such poor customer services from a bank. Navy Federal now claims they can not seek reimbursement because of the initial filing was coded incorrectly. Being that it was their mistake, they should rectify this issue. | ||||||
| 09/03/2022 | Yes |
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| I received an email on XX/XX/XXXX from the institution that sent my deposit to my Navy federal Checking account that the deposit was sent on XX/XX/XXXX, and it was delivered into my bank account on XX/XX/XXXX. XX/XX/XXXX I got a direct deposit deposited into my Navy Federal Checking account for the amount {$12000.00}. At the time of the deposit my Checking account was overdrawn $ XXXX, which left my remaining balance in my checking account {$11000.00}. My problem is on XX/XX/XXXX at XXXX XXXX I received a text that stated : NFCU : XXXX was withdrawn from your acct. end. in XXXX on XX/XX/XXXX. Sign in for details. Txt STOP to stop. and an email that stated : Account Activity {$11000.00} was withdrawn from your XXXX Checking account ending in XXXX on XX/XX/XXXX. As always, you can easily check balances, make deposits, view transactions, paybills, transfer funds, and more XXXX via our mobile app* or by signing in a navyfederal.org. If you don't have the mobile app, you can download it here. Looking to change your security, account or card notifications? You can update your preferences at any time. I requested a bank statement for the months of XX/XX/XXXX, and XXXX of XXXX to be sent to me in the mail on XX/XX/XXXX and I received it today XX/XX/XXXX which doesnt show a withdrawal transaction at all. The only transaction is the beginning balance and deposit transaction and an adjustment : Date : XX/XX/XXXX Transaction detail : beginning deposit Amount : $ XXXX Then Date : XX/XX/XXXX Transaction detail : Deposit- ACH Paid From Housing Authorit RentRelief Amount- {$12000.00} Then Date : XX/XX/XXXX ( I received the email and text about the money withdrawal on XX/XX/XXXX ) Transaction detail : adjustment- XXXX Amount : {$11000.00} I called Navy Federal to see who withdrawal my money or what was going on the day I received the text and email about the withdrawal and the lady on the phone was rude and telling me my account being closed and thats why shes decided to send it back all the sudden a weeek after money was in my checking account which then makes it my money no one had any permission from me to take the money out of my account. And I kept calling and calling and they couldnt tell me much other than the fact the deposit was being pulled out of my account ( after it was already disbursed into my account and had been for a week ) that it was going to be sent back to the institution that sent it, which can now not be stopped and Id have to wait two weeks for money to go back before I could do anything about receiving the funds. Well nine months of calling, being hung up on, people helping not at all navy federaXXXX doing nothing about my money being withdrawn from my account with out my permission, the institution the money was supposedly being returned back to HAS NOT RECEIVED THE MONEY NAVY FEDERAL sent back. Ive sent multiple emails and screenshots of the text and email I received from Navy Federal about the money and they stated that they have Not received a return payment, and that the ACH is Paid from their end and the proof I have of navy federal sending the money back shows a withdrawal and doesnt show who is withdrawing it and navy federal for some reason has no way of sending me something showing or stating that Navy Federal are the ones who sent the money back and since the sender still hasnt received it and its shows paid still that they cant send me or reissue me another Payemnt unless I somehow prove who actually took the funds out of my account. | ||||||
| 10/10/2016 | Yes |
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| I wrote a check for {$170.00} that was presented for payment on XXXX/XXXX/16. I do n't typically write checks but this company was not able to take a cash payment. I only had my checking line of credit check with me at that time. My regular checking account and checking line of credit both share the same account number and I was told upon opening the Checking Line of Credit that the accounts were interchangeable. On XXXX/XXXX/16 my checking account had an available balance of {$200.00}. On XXXX/XXXX/16 I received an email from Navy Federal that I had a returned item for {$170.00} and a {$29.00} fee would also be assessed. I called customer service immediately after I researched my account history and could n't figure out why the check was not honored since the money was available. The first representative I spoke with spent about 15 minutes also trying to figure out why the check was not paid. She then contacted the checking/savings operations department who informed her that my check was not honored because my checking line of credit only had an available balance of {$15.00}. I then explained to her that I used the check with an understanding that both accounts were linked and shared the same account number. She was unable to resolve the issue at this level and I requested to escalate my concern and speak with a supervisor. The supervisor I spoke with " XXXX '' repeated what the previous representative had already said, however I attempted to explain the miscommunication and misunderstanding of the checking account and checking line of credit. XXXX then informed me that I can only use the Checking Line of credit to cover shortages in the regular checking but not the reverse. I then asked if there were any other resolutions because It was definitely a miscommunication and I would be receiving fees from the other company in addition to theirs if they did n't honor the check. I was told there was absolutely nothing else that could be done because it was automatically processed by a system. I then specifically asked if there was any way to manually/force pay the item and at that point she then told me had I called prior to XXXX they could have helped me and force pay it by transferring the money from checking to checking line of credit. I then asked why this information was n't presented to me in the beginning of the call instead of telling me that there was no possible way to resolve the issue. I did n't understand how this could only be manually done by a certain time of day when it was still pending. I then asked if the company had submitted the check as an ACH would it have gone through and she replied yes. I do not understand how Navy federal can say the accounts are not interchangeable but yet they share the same account number and if was an ACH they would honor it but not a physical check. After the call I transferred the funds to my checking line of credit in the event the company tried to resubmit for payment. I was also told by the first rep that my acct would be notated to reverse the return fee. On XXXX/XXXX/16 I noticed a fee was taken from checking line of credit out of the {$170.00} that I had just transferred over now making the account short if the company tried to take payment again. I called and the representative reviewed the account and reversed the {$29.00} fee and transferred it back to my checking line of credit. I am still however concerned with the way this was handled between XXXX shared accounts with the same exact checking number. | ||||||
| 12/12/2023 | Yes |
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| Dear XXXX, I am writing to formally file a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) regarding a serious issue involving Navy Federal XXXX XXXX XXXX which has raised significant concerns related to potential violations of the Uniform Commercial Code ( UCC ), Securities and Exchange Commission XXXX SEC XXXX regulations XXXX Financial Industry Regulatory XXXX XXXX XXXX XXXX regulations XXXX and allegations of securities fraud. The details of my complaint are as follows : Payment Instruments Submitted : XX/XX/2023, I sent a negotiable instrument for payment to Navy Federal Credit Union in full compliance with legal tender guidelines. The instrument was restrictively endorsed to the company, accompanied by specific processing instructions as prescribed by XXXX CFR XXXX. These instruments were sent via registered mail with tracking numbers XXXX XXXX XXXX Company 's Response and Actions : Regrettably, Navy Federal Credit Union. has neither applied the payments to the account nor returned the negotiable instruments, both of which are mandated by law. In addition, despite my attempts to address this matter, the company has continued to contact me for payment, which is both unwarranted and unsettling. Adverse Action on Consumer Credit : Adding to my concerns, Navy Federal Credit Union has taken adverse action against my consumer credit, which, to the best of my knowledge of applicable laws and regulations, they XXXX not have the authority to do. XXXX Title XXXX Violation : In accordance with the Uniform Commercial Code, Title XXXX, the non-application of payment in a timely manner constitutes a breach of contract. Consequently, the debt should be considered XXXX, and my consumer credit should have been updated to reflect " paid as agreed. '' Allegations of XXXX XXXX : I strongly suspect that Navy Federal Credit Union XXXX have improperly retained the security interest for themselves, potentially giving rise to allegations of securities fraud. Such actions, if proven true, raise significant concerns about the company 's ethical conduct and compliance with federal regulations and securities laws. Given the gravity of this situation and the potential violations of consumer protection laws, federal regulations, and securities laws, I believe it is imperative that other relevant regulatory bodies be involved in investigating and addressing this matter. Specifically, the Federal Trade Commission ( FTC ), Securities and Exchange Commission ( SEC ), XXXX XXXX XXXX XXXX ( FINRA ), and Internal Revenue Service ( IRS ) XXXX need to take action to ensure that consumer rights are safeguarded and any alleged misconduct is thoroughly examined. Despite my attempts to communicate with Navy Federal Credit Union and my requests for the application of payment or the return of the instruments, the company has not responded or addressed this matter as of the date of this complaint. I respectfully request that the CFPB initiates a comprehensive investigation into this matter involving Navy Federal Credit Union to determine whether the company has violated any federal regulations, consumer protection laws, or securities laws. Additionally, I urge the CFPB to collaborate with the aforementioned regulatory bodies, including the FTC, SEC, XXXX, and IRS, to ensure a thorough examination of this matter. Thank you for your prompt attention to this serious issue, and I anticipate a timely resolution to protect consumer rights. Sincerely, XXXX XXXX XXXX | ||||||
| 10/29/2023 | Yes |
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| XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Dispute of Inaccurate Information on XXXX Credit Report Dear XXXX XXXX Department, I am writing to dispute certain information on my credit report, which I believe is inaccurate and in violation of consumer protection laws, specifically 15 U.S. Code 1681s2, 1666b ( a ), and 1681a ( 2 ) ( 1 ). These inaccuracies are adversely affecting my financial well-being and hindering my ability to pursue employment opportunities. I am providing detailed information below to help you understand the nature of these inaccuracies. Account Information : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$170.00} past due as of XX/XX/XXXX. Status Updated : XX/XX/XXXX Inquiries : There were three inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these inquiries and believe they are inaccurate. Addresses : I also want to address the issue of multiple addresses on my credit report. There are several addresses listed, including : XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX have no affiliation with these addresses, and they should not be associated with my credit report. The only accurate address that should appear on my account is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please delete the incorrect addresses and retain only the one I have provided. Late Payments - Violation of 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681a ( 2 ) ( 1 ) : The credit report reflects late payments that are inconsistent with my actual payment history. According to 15 U.S. Code 1666b ( a ), these late payments must accurately reflect my payment history, and any inaccurate information is prohibited. Late payments are also illegal under 15 U.S. Code 1681a ( 2 ) ( 1 ), as they affect my creditworthiness, credit standing, and capacity, which is a violation of the Fair Credit Reporting Act. Investigation of Disputes - Violation of 15 U.S. Code 1681s-2 ( b ) : As per 15 U.S. Code 1681s-2 ( b ), I have previously disputed this inaccurate information with Experian, and you have a responsibility to investigate and report the results of the investigation to the consumer reporting agency. However, the inaccuracies have not been rectified, and I believe this is a violation of the FCRA. Unauthorized Access - Violation of 15 U.S. Code 1681 : Any person who obtains a consumer report from a consumer reporting agency without a permissible purpose or under false pretenses is liable under 15 U.S. Code 1681. I request that you review the circumstances under which my credit report was accessed and ensure that it complies with the law. I kindly request a thorough investigation into these inaccuracies, their immediate correction, and an updated credit report that accurately reflects my credit history, including the account details, inquiries, and addresses provided above. Please provide a written response regarding the outcome of this investigation and the actions taken to rectify these issues within 30 days, as required by law. Enclosed with this letter are copies of documents supporting my claims, including payment records, correspondence with creditors, and other relevant information. I expect XXXX to take prompt action to rectify these inaccuracies and ensure compliance with federal consumer protection laws. Sincerely, XXXX XXXX | ||||||
| 11/02/2021 | Yes |
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| Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 12. XXXX Account Number : XXXX Please remove it from my credit report. 13. XXXX Account XXXX : XXXX Please remove it from my credit report. 14. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 22. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 23. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 25. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 27. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act. | ||||||
| 06/03/2020 | Yes |
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| Report Successfully Submitted Report Number : XXXX Report Print a copy of your FTC Report My name is XXXX XXXX I had an estate sale for furniture items in my home that had privately went into a sale. I listed many items on the offer app when XXXX XXXX contacted me saying he was interested in purchasing my green mint sectional sofa for his wife upcoming birthday. We agreed on a price of {$500.00} and {$100.00} dollars bc I had to hold item longer until XXXX could schedule movers to pick up the sofa. He asked me for pertinent information to mail me a cashier check for the sofa. I emailed him the information needed for payment. A few days went by when I received another offer for the sofa I called XXXX XXXX and we had a conversation and email exchange where I told him I had another interest buyer because I was still waiting on payment. He gave some family emergency and XXXX was a result in the delay of payment, but he assured me check was in the email and also provided tracking number. I finally received payment and the check was more then what the sectional and ottoman had sold for. I called XXXX and he informed me that he was going to be out of town but the money was for me to pay his movers that were travel long distance to pick up sofa along with some other furniture to and storage things he had. He asked if check had cleared I said at this point no but once it do Ill let you know to schedule the movers. The day after I received check cashed a big portion of check abs back held a little the check did clear at least at that point if had. I communicated that to him and then his movers contacted me saying they needed to get gas and insurance for truck before they could pick up item and ask me to send them there payment per XXXX XXXX after I had taken out funds for sofa the remaining balance belong to them. We were all communicating I think at one point that I send money from my acct of check had clear and I responded no because I had not meet them they suggested a few other ways for me to send money I told them I could send via XXXX XXXX or XXXX XXXX. They said either would be find. The movers then text me from a number with similar instructions from XXXX XXXX XXXX providing new text detail of who I should send the money to that would pick up at XXXX XXXX. I went to XXXX XXXX XXXX and send them {$2000.00} and as instructed send the confirmation and receipt of the money being sent from me to movers hired by XXXX XXXX. I did sent them both screen shots of the receipts on XX/XX/XXXX. The receiver received funds from XXXX XXXX but never made our agreement upon time frame pick up items. I later realized at about XXXX in XX/XX/XXXX the check that XXXX XXXX had sent me was returned by the bank XXXX XXXX XXXX and I was also charged taking money out of my available balance an a overdraft fee of {$15.00}. When I realized the check had been returned after initially thinking checking a had cleared I called and text XXXX and movers that check was returned and I was not aware they had scammed me out of money. I the. Reached out to XXXX XXXX to inform them of this and was transferred to there fraud department who open up a case and is doing an investigation which could take at least 20-30 days. The case number is XXXX and there contact number is XXXX. Police Report Incident Number is : XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX Report : XXXX TRACKING NUMBER MTCN XXXX FTC Case Number against NAVY FEDERAL Credit Union : XXXX FTC Case Number against XXXX XXXX XXXX | ||||||
| 04/09/2020 | Yes |
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Web | Older American, Servicemember |
| 1. On XX/XX/XXXX i applied for a loan for XXXX dollars at navy federal credit union and offered a truck i owned they claimed worth XXXX dollars as collateral. 2. The loan was denied and nfcu loan committe claimed because i had cost them money when i had not cost them any money. 3. They were refering to my enforcing rights regarding misconduct by one of n.f.c.u. 's agents who violated a contractual mortgage agreement years ago, wherein it was a takeout mortgage from v.a. and they agreed to payoff my credit card and other loan i used to build on this house. days before the mortage was suppose to close they failed to close and refuse to state the detailed facts of their wrong doing causing violation of the agreement. I stopped paying on the credit card thereafter after they refused to correct the problem they caused through their agent cited in the mortgage agreement and credit card payoff at 3.25 percent aprox. after they fabricated my credit no good because credit card was almost maxed due to their wrong doing and refused the next mortgage loan they told me to refile because of the screwup by them ( a scam ). 4. when i attempted to sue nfcu to make a record they refused to and a nfcu employee was paid off to comit perjury regarding her being served by a process server XXXX XXXX who i saw serve the branch manager of nfcu XXXX ill. This was done with a judge was was apparently paid off too and to date conceals audio recordings of me with this manager admiting she was served and more. this is criminal conduct to conceal facts herein related and directed by nfcu through attorneys they participate with and this perjury was done to thwart a required default judgment against nfcu because they refused to answer after served by XXXX XXXX on the branch manager in front of me in XXXX. 5. on XXXX XXXX I filed an objection and claimed the loan committe did make false statement as to reason for denial as i did not cost them anymoney as described above regarding the mortgage loan connected to the credit card they closed after refusing to correct there agents own wrong doing. 6. further it is undeniable nfcu was notified of prior to the mortgage agreement and after admissions by 3 credit bureaus of faking 25 counts of bad credit for years prior ; this notice made nfcu and bureaus liable to me for the excessive interest charged me by nfcu based on the fake credit reports by the 3 bureau 's. 7. recently 2 of these bureau 's offered me XXXX dollars or there abouts to settle and they would correct the records but they did not correct the credit record other than there prior origingal admitssions to the 25 that i never had an agreement to pay anything the credit bureaus fabricated since XXXX aproximately and after notices same fake. 8. nfcu is complicit in the over charging interest on loans including the credit card and others and owes me for the same as their agents the bureau 's did not pay, this amounts to thousands of dollars too owed me nfcu is in pertinent part liable for. 9. in the past nfcu through its attorney that they refused me the name of refused to correct my name over a year until the v.a. said they had to or they could not receive the direct deposit to me because my name was XXXX XXXX XXXX the name in which they sent the money to them. this does not exhaust my knowledge and nfcu and attorney agents conceal the detailed facts surounding the retaliatory denial of the collaterally backed loan applied for herein as revenge against me its member. | ||||||
| 08/15/2019 | Yes |
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Web | Servicemember |
| XX/XX/XXXX, I deposited a check into navy federal credit union that was given to me by the check maker. I used mobile deposit as I did frequently before as I do not live in close proximity distance to the branch. Subsequently, the funds were expected to clear the item were placed on a 7day hold by the maker 's financial institution unbeknownst to me. The check was returned due to uncollected funds. This action was unintentional and rare mistake that I cleared up with NFCU immediately upon becoming aware of the issue. Branch and Phone reps stated that my account was still open, active but my online access had a temporary restriction. I needed to come into the branch, make a cash deposit and request my online access back. After 15 days, I called and spoke with a phone rep to check the status of my appeal. That is when a security rep. got involved. Unaware of the situation this person stated they was placed a permanent restriction. I asked to talk to the person to explain the story and they stated they would not talk and that would be the final decision. I asked for someone over them and they sated it was no one over them. They also told the rep DO NOT CONTACT them back regarding this matter. Even though I had did all the proper things to get my account back in good standing an alert was placed on my account to restrict and terminate my membership. They sent out a letter that stated my activity was more than the bank allows. I do not understand how when all I ever did with my account was normal banking activities. Funds were replaced and no losses were taken. After that decision, I did another appeal because I feel as though that person was discriminating against me and made a personal choice using their powers. I made several calls to try to get a better understanding or explanation. NFCU failed to respond to any of my appeals. I continued to call speaking with several different reps that stated this was a rare and unfair decision. I value my membership which is why I continue to fight as I know I did nothing to deserve this termination. NFCU was my primary bank. I owned several products including a credit card which I am still paying faithfully, never late. I been with them for 4 years and this was the first issue I ran across yet I was terminated. My family and friends banks with them which is why I feel categorized against. I honestly feel like I am being victimized. On XX/XX/XXXX, I sent another appeal and called to check the status. This rep. understood my story and apologized. She call security department. The security guy handling the call stated he would be more than happy to assist due to the circumstances however the first person made the restriction a permanent so there was nothing he could do. Again, without taking into consideration my account history, my guaranteed direct deposit, and my loyalty a decision to terminate my membership. I am writing this complaint in hopes that this mischievous and prejudicial decision of terminating my membership be reassessed. My fianc whom is a US XXXX XXXX Veteran and I are purchasing a house through NFCU mortgage and this restriction impede this process. I have worked in the XXXX XXXX for 10+ yrs and are aware of certain penalties but not termination of accounts when no fraud exist. This termination is affecting my day to day life tremendously. I demand the decision be overturned due to discrimination and unfairness. I strive to get help at a higher level as NFCU has not been so responsive. | ||||||
| 08/28/2023 | Yes |
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| {$670.00} on XXXX {$43.00} on XXXX {$74.00} on XXXX {$29.00} on XXXX {$57.00} on XXXX I submitted a fraud claim due to unauthorized and fraudulent transactions being made on my account. My debit card has never left my possession. Nor has it been given to anyone or authorized anyone except myself for use. Nobody knew my pin except me. My claim was immediately denied within a week based off of the following : Thank you for contacting Navy Federal regarding the Debit card fraud claim submitted on XXXXXXXX on your Debit card ending in XXXX for the amount of {$880.00}. Based on a thorough investigation of your account activity, we have determined that no error has occurred. To which I immediately called in and submitted An appeal on XX/XX/. After 40+ days of waiting for a response I called in today and was told my appeal was denied for the same reasons. Your account history shows no fraudulent activity. Im telling you its fraud. Im telling you this wasnt me. Im telling you this needs to be investigated. Is what I told XXXX I was told by the supervisor XXXX, that I am responsible for completing a thorough investigation and providing the evidence to overturn the decision they made and they do not investigate. They go based on account activity and algorithms. I asked them to contact the merchants and do a proper investigation and I was shunned and told to do it myself. The supervisor asked me very specific questions and once I finished answering she blatantly said several times very clearly, and thats why you lost I was appalled by what I was hearing. Thats why I lost? No I lost because your bank doesnt do its job when it comes to fraud. Whats the point of making a fraud claim if I have to do my own investigation anyways? They claim its impossible for someone to get my card make a clone and use it within 3 hours of my last transaction. According to thier documents I made purchases in XXXX home goods ( which is true and factual ) Then 3 hours later I went and spent XXXX $ at XXXX XXXX. ( This is not true ) I found out I had been compromised while I was at dinner. Alone. Still in possession of my debit card. I went to pay my bill while I waited to pick up items from XXXX that were scheduled for pickup online. I went to dinner at my favorite restaraunt while I waited for my items to be ready. Both businesses are in the same parking lot. I go to pay my bill and XXXX $ was drained from my account. I immediately contacted the bank and started the fraud process with no delay. Not only was my money stolen, i was embarrassed and unable to pay for my meal. And now Im being told thats why you lost by my bank? Please investigate. I work hard for my money. This isnt fair to me. Ive lost XXXX $ and navy federal refused to take action. Ive been without these funds for 2+ months and I was completely disrespected and shood away and told to do my own investigation and send them the information. Is this normal to expect regular bank customers to do their own financial and technical investigations? To then provide the fraud department that, has special training and certifications, with the proper documents to do thier job? Which was to obtain those exact documents themselves? The woman whom I spoke with was named XXXX and was a supervisor in the fraud claim department of navy federal credit Union. Attached are copies of the documents I provided NFCU initially. As well as the list of transactions involved with this complaint. | ||||||
| 10/13/2021 | Yes |
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Web | Servicemember |
| Last year approximately XX/XX/XXXX my husband and I were presented with a plan that would allow us to delay mortgage payments under the Security Cares Act. Immediately we asked if this would negatively impact our credit. Of course we were told no because our payments were current prior to the initiating this plan. We opted in for this reason. At the end of this deferrment period, we were given the option to place those payments at the end of the loan. This is the option we elected. On XX/XX/XXXX I pulled my credit reports after denial for business credit for a derogatory report on my credit report. Unfortunately I discover Navy Federal Credit Union has labeled our mortgage as current but under a loan modification plan. This is seen by creditors as a negative reporting. We had no idea they would label our account as loan modification. The letter received only said they would report it as current. Nothing else. After failed phone call attempts during XX/XX/XXXX to get XXXX XXXX to remove the derogatory comment, I sent the following letter via their messaging system. The following letter was sent on XX/XX/XXXX to Navy Federal Credit Union regarding Mortgage Loan Your Message XX/XX/XXXX : Navy Federal Credit Union XX/XX/XXXX To Whom It May Concern : I recently applied for business credit and was denied for this business credit due to a report of participation in a loan modification program. I requested a copy of my credit report and to my surprise my current Mortgage Loan with your establishment is labeled as Loan modified but not under a federal government plan. According to the Navy Federal Credit Union letter dated XX/XX/XXXX, For members whose loans were current before entering a Plan, during the Forbearance period, we will report the loan to the credit reporting agencies as Current. My Mortgage loan past and current history is also labeled as exceptional by your institution. Therefore, should not be labeled with any derogatory labels. On XX/XX/XXXX, I called and spoke with your Mortgage representative, XXXX, regarding removing this label from my mortgage account due to the negative impact it is having on establishing my small business. She advised me to contact the credit agencies. This is insufficient advice as the negative label on my mortgage is not placed on my account by the credit agencies. This negative label is placed by the Mortgage lender. This negative comment is damaging my character, my personal mode of living to provide income for my family and my reputation. I demand this derogatory label to be removed from my credit report with all credit agencies immediately. Your company is in clear violation of the law. This negative remark is clearly a violation of the FAIR Credit REPORTING ACT 15USC 1681a4 my right to privacy. Their response was as follows : Navy Federal Response XX/XX/XXXX : Good afternoon, XXXX XXXX. We have verified that your account is reporting accurately to all 3 bureaus. The modification is showing because that is what you have as your post forbearance workout plan. If you have any questions please reach out to mortgage collections at XXXX. We totally disagree with the reporting and I have sent another certified letter to Navy Federal Credit Union on XX/XX/XXXX requesting once again to remove the derogatory statement from my account with the credit agencies. Yet the negative statement remains on my account and is interfering with my ability to launch my small business to provide for my family. | ||||||
| 06/18/2023 | Yes |
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Web | Servicemember |
| On XXXX XX/XX/2023, I called Navy Federal Credit Union to complete a new home loan application over the phone, as my previous pre-approval expired within the last 30 days. Before moving forward with the application, I clarified to the individual helping me over the phone that I wanted to receive a loan estimate with the updated pre-approval letter. The individual processing my application thanked me for mentioning this early in the application process, as he would need to take different steps to generate this requested document. While completing this application, I provided my name, social security number, address, and income information, along with other items of personal information. When I attempted to provide the address to the home I would like to purchase with the pre-approval letter, the loan officer did not respond to the information being provided nor showed interest in obtaining the property address. I let the associate know the property was listed for XXXX and that I wanted to receive a pre-approval letter for XXXX and another for XXXX. During this process, I repeatedly asked to receive a loan estimate. Each time I requested this document, I was told I would need to submit a contract of an offer to purchase to Navy Federal Credit Union. I was told once Navy Federal received the offer to purchase, a loan estimate would be generated. This has been the same story I have received over and over from Navy Federal Credit Union employees of the mortgage lending department throughout the 8-plus months that I have been trying to work with Navy Federal Credit Union . Often, this has prevented me from submitting an offer to purchase or has urged me to withdraw an offer while under contract. In this one significant incident, I requested a loan estimate and unknowingly received a cost estimate where closing costs reflected approximately XXXX dollars. When I was under contract, near closing, the closing costs estimate jumped from XXXX to approximately XXXX. This encouraged me to withdraw my offer, losing nearly XXXX in closing cost expenses. This continued lack of insight into the actual cost of obtaining a VA home loan with Navy Federal Credit Union has hindered my confidence in purchasing a home. The only document loan officers of Navy Federal Credit Union ( except for XXXX and XXXX ) have been willing to provide freely are closing cost estimate sheets ( regardless of a request for an official loan estimate ). The closing cost estimate sheets provided grossly underestimate or overestimate costs associated with closing. In the past, I have expressed my concerns and frustration over not knowing the loan terms for which Navy Federal associates are requesting I submit a purchase contract. To understand the terms of the loan being offered, I would like to receive a loan estimate to compare offers and decide how best to move forward in my home-buying journey. When I completed the application process on XXXX XX/XX/2023, I did not receive a pre-approval letter or an official loan estimate as initially requested. Instead, I was told there was a glitch in the system that prevented a pre-approval letter from being generated and that I could be provided a cost estimate sheet till a contract for an offer to purchase was received. Only one cost estimate sheet ( processed as a pre-approval cost estimate ) for XXXX was generated and added to my home loan portal. My name is XXXX XXXX My Navy Federal Credit Union ID number is XXXX My phone number is XXXX | ||||||
| 10/07/2016 | Yes |
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| I filed an appeal based off 3 issues : 1 ) Appraiser did not have qualifying knowledge of the competing XXXX in XXXX XXXX XXXX XXXX. There are only 2, XXXX home XXXX. He selected at least one comp in a neighborhood ( with XXXX total homes ) with none of the XXXX amenities yet listed that both neighborhoods were equal. 2 ) The appraiser selected 100 % ( XXXX ) sold properties that were Bank Owned/REO/Tax/Short Sale instead of the other XXXX normal sales. 3 ) Of all of the sales in the required time frame, only 2 sales were XXXX lots. None were selected. Since there is a builder verifiable cost for XXXX lots, those two properties should have been considered for comparable homes yet they were not. The appraiser erroneously lists COMP # 3 - XXXX XXXX XXXX as a XXXX lot. It is NOT located on the XXXX whatsoever but in the " VIEW '' category lists, " B ; XXXX '' for XXXX view. Completely false information ( XXXX XXXX XXXX included in attachment ). The appraiser also elected to give no value to XXXX lot properties even though builders in the neighborhood are currently charging a {$25000.00} premium for XXXX lots such as mine. A visit to the sales center in the neighborhood would have confirmed this information. 4 ) There was a home in my section of XXXX XXXX that was built less than ( or equal to ) 1-year before my home, sold originally in XXXX within 60 days of my new home purchased ( for $ XXXX more ), and based on Maryland Tax records was sold XXXX/XXXX/XXXX for $ XXXX ( also XXXX, sold, XXXX lots ). My appraisal date was XXXX/XXXX/XXXX yet the appraisal said that home was excluded because it was n't within the 6-mo period. XXXX to XXXX is not 6-months. Based on his valuation, that same house that was $ XXXX more than my home in XXXX is now worth $ XXXX with no changes to the home. That house gained $ XXXX, my house again based off his numbers, lost $ XXXX. I have official bank ordered appraisals from XXXX and XXXX valuing my property at $ XXXX. In a neighborhood where home sales have skyrocketed since XXXX ( $ XXXX to the $ XXXX range ) he has my home dropping $ XXXX over the same timeframe. XXXX Several omissions and errors were also identified. When I alerted the lender ( NFCU ) they did n't respond to the above questions/concerns, nor respond to the information that was identified as erroneous based off Maryland tax records and verifiable map locations. At least XXXX comps were omitted because they contained upgrades the appraiser failed to mention inside my home. By listing homes that are foreclosures, he is severely devaluing my property. XXXX XXXX XXXX is listed ( recently placed on contract as of XXXX ) for $ XXXX but by using the foreclosure in XXXX # XXXX on his appraisal, the value takes a 17 % hit. He did that across the board for XXXX homes in the comparable section. Every foreclosure listed had an alternate property available. The appraiser also elected to give no value to XXXX lot properties even though builders in the neighborhood are currently charging a {$25000.00} premium for XXXX lots such as mine. Lastly, I had an independent appraisal done ( by a state certified and bank approved appraiser ) one week after this appraisal being disputed and the value came back {$120000.00} higher than the first disputed appraisal. Quite a bit of XXXX Sales-Record data was verified and included in the secondary appraisal. None of that information was provided in the first appraisal. *Additional justification information attached* | ||||||
| 03/25/2015 | Yes |
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Web | Servicemember |
| My husband, an XXXX service member, and I applied for a VA XXXX with Navy FCU on XXXX/XXXX/15. I sent in loan documents XXXX and did not receive ANY communication until XXXX/XXXX/15. My primary concern in my repeated communication to NFCU was that our rate lock would expire before closing the loan. After receiving a call from processor, XXXX XXXX, a month after our application was submitted, I was told as a condition of our loan approval, that I must submit an Access Number evidencing membership with NFCU. I provided my Access Number to XXXX XXXX via email on XXXX/XXXX/15. I continued to email and call XXXX XXXX, and her supervisor XXXX XXXX, and express my concern at the lack of communication in the loan process. I received a copy of my Mortgage Loan Approval on XXXX/XXXX/15. I had no communication from NFCU until XXXX/XXXX/15 after calling and emailing repeatedly for status updates and again expressing my concern that we would not be able to close our loan prior to the rate expiration. On XXXX/XXXX/15 I was told that I needed to pay {$80.00} via credit card to update the mortgagee clause on my master insurance policy for my condo HOA. I ordered the updated insurance certificate myself since the processor failed to request the update despite me providing the information to her twice, over a month prior. After the total lack of action and progress on our loan application I asked our file to be escalated to a supervisor to ensure that we closed timely. I spoke with XXXX XXXX on XXXX who admitted that our loan was significantly delayed due to our processor being " out of the office '' and that " everyone is extremely busy. '' XXXX assured me that due to this delay, if we were unable to fund by XXXX/XXXX/15 NFCU would extend our rate for 15 days at the 3.125 % we had locked at NO COST to us. I was told the " only documentation '' we needed to close our loan was a payoff demand. I sent a payoff authorization to NFCU, and incurred a fee with my current lender to provide the payoff demand to NFCU. I received email communication from XXXX XXXX on XXXX/XXXX/15 confirming that our loan closing was imminent. Specifically, " if we do n't close tomorrow, we might still be able to close on XXXX and fund on XXXX. " I then received a phone call from XXXX about XXXX minutes later informing me that our loan was now declined. The reason for decline was an old NFCU account that I had discharged via bankruptcy several years ago. My credit information was fully disclosed in the loan application process, a credit report was pulled on XXXX/XXXX/15, and my NFCU Access Number had been provided a month earlier to XXXX XXXX. My belief is that NFCU never had any intention of closing our loan at our locked in rate. The unjustified delays and lack of communication are further evidence of the lack of effort expended by NFCU to honor their rate lock agreement. Further, the reason for denial is not a VA requirement, so conveniently, NFCU did not honor our loan approval based on their own arbitrary overlay. I asked for counteroffer options, such as proceeding with my husband on the loan without me, switching loan products, etc. and I was told " no, your loan is declined. '' It was made perfectly clear that NFCU has no intention of proceeding with this transaction regardless of our eligibility under the VA loan program. The lack of good faith and negligence exercised by NFCU in this matter has caused significant and irreparable harm to my family. | ||||||
| 07/02/2021 | Yes |
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| Hello, I'm reaching out about my experience with the Navy Mortgage application. I feel that we were denied credit for a mortgage because I complained on a mortgage loan officer. In which I had every right to do so. It started with me applying and I had to email XXXX to even get a follow up on my application. I asked to switch loan officers at the beginning and that hasn't even been done like I asked. Her supervisor followed up with me but she was telling me different things then what XXXX told me. XXXX told me that she had a system approval until she changed back XXXX 's student loan payment back to the 1 %. I went through the process and got that updated to show that his payment would be under {$130.00} a month. Then when it was moved to XXXX, she told me that I had to have a repayment in place, so I went through with that, then she told me that it had to be due for the current month which no one ever told me. Then I spoke with XXXX and he told me he would have XXXX send everything I sent over and that was roughly 1.5 weeks ago and haven't nothing expect an email denying our application. She didn't even respond to my email when I sent her documents. I understand collegues are supposed to stick together but at the cost of the business? How would we go from a system approval, being told our down payment, interest, insurance, monthly payment to denied? I have everything written down that XXXX told me in the beginning. My fiance 's credit application was denied to too high debt to income ration ( monthly payments ) he literally has two bills a month that total {$300.00} a month and he makes {$49000.00} a year. Same thing with myself, my monthly recurring debt is {$500.00} a month and I make {$37000.00} a year? XXXX clearly wasn't into taking care of the customer. She never returned my phone calls without me calling a couple of times. I had to ask every single question about the procedure with Navy. One time I was speaking with her, her dog was barking in my ear, she didn't even have the respect to move to another room. She talked to me like I was stupid by telling me that Navy Federal Credit Union was not a credit reporting agency after I complained on her when simply asking if she could send me our credit reports as another lender did.When I called to speak with XXXX 's supervisor one time, she picked up the phone and hung up on me and never called back when the person took the call provided my information. I have never had the experience I have had with Navy with any other business. I thought Navy was high on customer satisfication. I know all their employees aren't this way because when I went into a branch to take care of something they were very polite and took good care of me. There mission statement is " Navy 's mission is to always put members first? '' Each area fo the credit union operates with the same purpose in mind, making members ' financial goals the top priority? I have found this to be not true with the mortgage loan department. I can see how important my needs are by how the dashboard hasn't even been updated since my request for the new loan officer as requested and it's still sitting on the same step when I have gotten denial letters. I have attached the wonderful email converstations with XXXX to this complaint as well as the dashboard information. I have waited awhile to see if anyone was going to follow up with me at all and still nothing as of XX/XX/XXXX. I started the application process XX/XX/XXXX. | ||||||
| 06/19/2015 | Yes |
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| i had a young lady do my tax refund for XX/XX/XXXX and i was supposed to have a paper check sent to my home address. because i was supposed to received it on XX/XX/XXXX the check amount was XXXX i contacted her to ask about my refund and she stated that my refund was only XXXX and she wouldn, t summit my transcript so i went to the irs on XXXX and the sumitted me my transcript that, s is when i notice a unknown account my money went to i contact the navy federal credit union and gave them the account number and told them my name and address and ask was a check in my in that account they stated yes and i told them in was in that account without my permission and that i had no knowledge of the account until i went to irs concerning my refund so the bank told me that no one could touch the money and they couldnt send it to me they said it would go back to the irs and the irs will send it to my address which never happen i called the bank numerous times so on XXXX i went to a navy federal credit union in XXXX XXXX because the young lady that did my taxes was at her bank in XXXX also a navy federal credit union trying to get the bank to wire my moneybecause she was aware that i went to irs and found out what she had done so while i was at the bank they look up the account and seen my check in the account and they told her no money could be wire because the was investigating the account they told me to go back to irs to get a XXXX form and have the irs to sign it i did that and brought it back to the bank and the bank fax it to there sercurity department and they stated to me that once they got the letter they will send it back to the irs and that my money was in the account so on XX/XX/XXXX the irs sent me a letter stating that they sent navy federal credit union a letter tracing the money and they told me to contact the bank also so i did and the bank told me they did not have any funds in that account to send back so my question to the bank was where did the money go because they said this woman could not touch the money so i said to them i was calling the bank since XX/XX/XXXX and i also went there XX/XX/XXXX and the money was there they and i have a letter that was sign by the irs XXXX letter which stated taxpayer statement reguarding refund and the bank sercurity department also have the same letter on file and they wont release my refund now they saying its a civil matter and that is not true because the bank was aware of my refund in their bank since XX/XX/XXXX and i was at their bank in the office with a manager while they was corresponding with the bank the young lady was at she even asked the bank in maryland how was i going to pay her for doing my refund and they told her the check was going back to the irs and that probelm was between me and her because they had to return the check so the irs can sent it to my address like it was supposed to so im holding the bank responsible because the was notified im XXXX concerning this matter and they are also telling me they cant discuss this matter with me but they discuss it in XX/XX/XXXX at the bank in XXXX XXXX branch telling me that they frozed the account and that not to worry my money would be return to me i spoken to a bank manager concerning this he was very rude like it was his money and the sercurity department is being difficult with to saying its a civil matter i cant believe how navy federal credit union allow this to happen when they was notifed about this matter | ||||||
| 11/24/2015 | Yes |
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Web | |
| I have had a checking and savings account with Navy Federal Credit Union for a couple of months, with no incident or problems and light use. My husband passed away on XXXX XXXX, 2015 and I really started using the account after that. After depositing a {$3000.00} check from my mother drawn on XXXX XXXX XXXX XXXX XXXX and another cashiers check drawn from XXXX in the amount of {$3700.00}, still no problems. On XXXX XXXX, without notification via call, email or postal mail, my account was frozen. I contacted NFCU right away, and they stated that there was suspicious activity on my account. I explained the situation regarding my husbands death and I had been paying for funeral expenses and now in XX/XX/XXXX, I had planned on having my husbands pension directly deposited into the account for household expenses. I was very upset, as I only had {$60.00} in cash and I needed to get items for my children 's schools etc. The young lady I spoke with was very apologetic for the lack of communication and situation with the account. She stated that they needed some addition information in order to release the account. She asked for some information and I provided these within minutes with photos of items requested, attached via emails. I was told that there was an issue with another account I had, that i stated I knew nothing about. She stated that they would need to look into the issue and would contact me within 1-2 weeks. Wonderful! No money and my children and I have had issues with power and other utilities since they did not release the funds to me. Also, I was told that all electronic payments would be returned and all debit card payments would not go through. I was told that if I use my checks, I would be ok. Since I needed food for the kids, I went to a check cashing location and cashed a {$300.00} check. Well, it was returned and I now have egg on my face thanks to that lie. Since XXXX XXXX, I have had no t contact from ANYONE at Navy Federal CU. No calls, no postal mail, no emails. I have been sending them emails, ( that they are reading, per my read receipts ) begging them to release my {$1400.00} between savings and checking. I am being ignored, totally ignored. My preferred method of communication is email, they know it and I have received anything from them. I need my money released and returned to me asap. The funds in the account are from my mother and the lat money from my husband. I find this situation intolerable and very unfair. I do n't understand what the problem is, and I frankly I do n't care. I have repeatedly asked them to just close the accounts and send my the funds. Nope, no response. The online banking and mobile sites, are blocked. I can log in, however it shows me nothing. I can not get my statements, see transactions or even what the balances are. I find this whole thing idiotic, lame and suspicious. I am asking that my funds be released with a full transaction breakdown from XX/XX/XXXX - XXXX/XXXX/2015, as well as copies of full statements ( each account ) from XXXX 2015 up to closing, as well as why non one has contacted me in any way, now over a month since they froze the accounts in a postal letter with copy to email. I do n't care if I was laundering money ( I was n't ), using the account in a criminal manner ( I was n't ), in any case, I asked for information and was denied, none and my money was frozen and has been held. I find this punitive and I will pursue further if necessary. | ||||||
| 04/09/2020 | Yes |
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Web | Servicemember |
| My access number is XXXX. My loan number is XXXX according to your document delivery service. I have been with NFCU for decades. I have applied for a VA home loan with your institution and am very upset. I am relocating to change my environment to keep for committing XXXX. All I get is lies and deceit and shady practices.I am currently out of a home, was to close on XX/XX/XXXX, and now I am incurring extra dept due to someones incompetence and inability to properly do their jobs. I am speaking of, on my loan, someone forgot to order an appraisal on my new home. after several days of trying to speak to someone about it, it seems almost impossible. Where is your complaint dept or does the mind set, if we don't answer it will go away. Does you're financial Institution, something to hide? When I was able to speak with someone it took over thirty minutes each time to get results. Even a supervisor named XXXX or XXXX, she is supposed to be one of XXXX 's supervisor. still to this day has never returned my calls. When spoken to, I was lied to and lead to believe it was the appraisers fault. I was told by a supervisor by the name of XXXX, that a new appraiser was found and and an expedited appraisal was ordered. When according to the VA in XXXX on XX/XX/XXXX, that the original appraisal was ordered on XX/XX/XXXX, my closing was not in XXXX nor XXXX but XX/XX/XXXX. How can this happen you think, well someone was negligent in their duties. I ask if someone would pay for my expenses since it was not in my control. I was told you ( NFCU ) will not, but we will wave the expedited appraisal fee. How generous. My loan processor XXXX, was asked if I needed to stick around or could I go back home ( 300 miles away, 5 hours ) at least I could fish, talk to a friend and have some normalcy in my life in stead of waiting in a parking lot for someone to enlighten me on the progress. I was told to stay something might happen knowing good and well would happen. Well nothing happened. Wasted weekend. Yet I still do business with this haphazard style of doing business. Maybe I need to rethink whom I do business with in the future. XXXX or XXXX come to mind. Can you see what this does to someone who suffers from severe XXXX. Of course not, the company doesn't care. I want to cuss and raise cane, but I'll refrain for now. I thought of taking you ( NFCU ) to small claims court or something anything because you ( NFCU ) just took me into a dark place. Thanks a lot! I am tried of businesses XXXX on me. It seems that it is ok to lie, cheat, steal, anything to take from others and fatten you wallets. How big do you ( NFCU ) have to be to not care about your customers. All I wanted is to cover my expenses and for XX/XX/XXXX me up even more, just when I had a ray of hope. If anyone would have just came out and said hey weXX/XX/XXXX up royally. I would have been more palatable than the lies I was told. Where is your lender responsibility 's to your customers. No wait, you don't have responsibility to customers, only to businesses. Yes I am upset again it is hard to write when you have other thoughts. I Will Submit any Documents if Required, receipts are still coming in, but you ( NFCU ) should have all the paper work and maybe audio of my calls. My point of contact information is up to date if you ( NFCU ) would care to respond to this openly. They say truth is stranger than fiction, I could not have made this @ # $ % up. XXXX XXXX in North Carolina | ||||||
| 09/18/2023 | Yes |
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Web | |
| Dear CFPB, I am writing to express my deep concern and dissatisfaction regarding the recent closure of my bank accounts with Navy Federal Credit Union, which I believe was carried out wrongfully and discriminatorily. I have been a loyal and responsible customer of your bank for 2 years, and the events leading up to the closure of my accounts have left me extremely distressed and disappointed. On XX/XX/2023 I received a notification from your bank stating that my accounts, XXXX & XXXX, had been closed without any prior warning or explanation. This sudden and unexpected action has caused me significant inconvenience, stress, and financial hardship, as I depend on these accounts for my everyday banking needs. What concerns me even more is that the closure of my accounts appears to be based on factors that I strongly suspect are discriminatory in nature. As a responsible customer who has always met my financial obligations and abided by the bank 's terms and conditions, I can find no legitimate reason for the termination of my banking relationship. ( I was told by XXXX in your security department that 3 months ago I commingled funds between my business account and my personal account, I'm not sure when paying yourself from your business account became an issue for business owners ). I deposited a check from a new job that I started for equipment and when going into the branch the person that helped me verified the check and made the deposit into my savings account as requested because I have bills posting in my checking account and did not want those bills to take the funds that I was sent to purchase job supplies ( which is not a crime ). The check that I was told by XXXX was invalid then cleared my account as valid, and I'm being told that I can't receive the funds. I am now owing the job and I'm assuming Navy Federal. I was also told when calling Navy Federal Credit Union on XX/XX/2023 that XXXX placed in his notes that I not be transferred to the security department to discuss this issue. I believe that the closure of my accounts may be a result of discrimination based on race and age, which is not only unethical but also illegal under anti-discrimination laws. I request a thorough investigation into this matter to determine if discrimination played a role in the decision to close my accounts. Furthermore, I kindly request a detailed explanation for the closure of my accounts, including any documentation or evidence that led to this decision. It is my right as a customer to understand the reasons behind such a drastic action, especially when it has such a profound impact on my financial well-being. I expect prompt and appropriate action to address this issue and ensure that my accounts are reinstated if it is determined that the closure was unjustified or discriminatory in nature. Additionally, I urge Navy Federal Credit Union to review its internal policies and procedures to prevent such incidents from happening to other customers in the future. If this matter is not resolved satisfactorily and in a timely manner, I will have no choice but to escalate it to the appropriate regulatory authorities and seek legal counsel to protect my rights and interests. I look forward to a prompt response to this letter and a resolution that restores my faith in the fairness and integrity of Navy Federal Credit Union. You can reach me at XXXX or XXXX or XXXX to discuss this matter further. Sincerely, XXXX XXXX | ||||||
| 08/29/2022 | Yes |
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Web | |
| I sent a dispute to Navy Federal Credit Union regarding an account with late payments. Navy Federal Credit Union has violated my rights by reporting data that is in violation of the FCRA. According to the FCRA In accordance with the fair credit Reporting act Navy Federal Credit Union accou nt ending in 2593, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Account name NAVY FEDERAL CR UNION Account number XXXX .... Recent balance {$4300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number Not available Type Credit card Terms NA Credit limit or original amount {$4500.00} High balance {$4800.00} Monthly payment {$87.00} Recent payment amount {$160.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. Account history XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$4100.00} / XX/XX/XXXX / {$85.00} / {$0.00} XX/XX/XXXX : {$4200.00} / XX/XX/XXXX / {$84.00} / No data XXXX XXXX : {$4100.00} / XX/XX/XXXX / {$95.00} / {$600.00} XX/XX/XXXX : {$4700.00} / XX/XX/XXXX / {$83.00} / {$100.00} XX/XX/XXXX : {$4100.00} / XX/XX/XXXX / {$91.00} / {$180.00} XX/XX/XXXX : {$4500.00} / XX/XX/XXXX / {$89.00} / {$87.00} XX/XX/XXXX : {$4300.00} / XX/XX/XXXX / {$90.00} / {$200.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$88.00} / {$250.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$88.00} / {$150.00} XX/XX/XXXX : {$4700.00} / XX/XX/XXXX / {$90.00} / {$100.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$90.00} / {$450.00} XX/XX/XXXX : {$4400.00} / XXXX XXXX, XXXX / {$92.00} / {$150.00} XXXX XXXX : {$4500.00} / XXXX XXXX, XXXX / {$88.00} / {$1000.00} XX/XX/XXXX : {$4300.00} / XX/XX/XXXX / {$90.00} / {$180.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$90.00} / No data XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$62.00} / {$100.00} XX/XX/XXXX : {$3000.00} / XX/XX/XXXX / {$73.00} / {$270.00} XX/XX/XXXX : {$4500.00} / XX/XX/XXXX / {$84.00} / No data XX/XX/XXXX : {$4500.00} / XX/XX/XXXX / {$73.00} / {$73.00} XX/XX/XXXX : {$4000.00} / XX/XX/XXXX / {$0.00} / No data XX/XX/XXXX : {$0.00} / XX/XX/XXXX / {$0.00} / {$1500.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1500.00} | ||||||
| 04/26/2018 | Yes |
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Web | Servicemember |
| First the Facts : XX/XX/XXXX - I noted and unauthorized charge for {$24.00} on my Navy Federal ( NF ) checking account. I contacted NF and was advised to take up the disputed charge with the vender - " XXXX, XXXX XXXX XXXX XXXX XXXX ''. I made multiple attempts to contact the vender but was unable - all calls went to an answering machine at all times of day. This answering machine requested my name, phone number, etc. The web site appeared suspect as well with no chat or meaningful information. XX/XX/XXXX - I notified NF of fraud concern. I requested stop payment and was charged {$20.00}. XX/XX/XXXX - After reviewing past statements with fraudulent charges from same vender on most months, I notified NF of concern for past recurring fraud. NF advised me to close my checking account and establish new account. Also advised me to complete a form for " Written Statement of Unauthorized Debit. '' NF representative advised me to list all dates for disputed transactions on the same form. I complied. XX/XX/XXXX - I discovered that NF had sent electronic bank message that form not processed because it was the incorrect form. I called NF and was advised to submit new form - " Declaration of Forgery/Fraud. '' I complied. I request future communications in writing. XX/XX/XXXX - I discovered that NF advised me again via electronic bank message that form was not processed because it was an incorrect form. Now I need to submit 27 individual forms, one for each unauthorized transaction. I was advised to complete 27 separate " Written Statement of Unauthorized Debit ''. I complied. I was told to expect 10 days for written results of investigation. NF did reverse 4 of the charges and refunded total {$99.00}. XX/XX/XXXX - I received a letter dated XX/XX/XXXX that my case was closed because the vender provided an electronic typed signature with my name authorizing the transactions. XX/XX/XXXX - I made one final attempt to address my disagreement with the findings but NF representative was dismissive and advised the case was closed. I state again that this is fraud. I had never authorized this company to receive any payment for services. No services were ever provided. I had never heard of XXXX XXXX or of XXXX until this matter arose. I have never had any relationship with this vender and believe that my electronic signature was falsified and that my identity was stolen. Once again I state believe this was bank fraud. Navy Federal has ignored my concerns and handled this matter very unprofessionally. 1. As noted above, the way manner in which I was made to fill out forms repeatedly just to file a complaint seems to be a deliberate attempt to discourage people from even filing a complaint. 2. Navy Federal failed to properly notify me that there were problems with the forms. I was never told to monitor the electronic banking site for messages in this regard - I just happened to stumble upon these messages. I was told that communications would be in writing and the only written correspondence was the letter closing the case. 3. There was zero continuity in the ID theft fraud department at Navy Federal. Each time I called about this matter, the case worker seemed to have no knowledge of even the basic fundamental fraud claim. It was as if no one at Navy Federal bothered to even record any of my statements or concerns. I have never experience customer service that was this dysfunctional for a serious concern. | ||||||
| 11/17/2023 | Yes |
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Web | Servicemember |
| We applied for a NFCU VA mortgage on XX/XX/XXXX after locking in a mortgage rate of 6.125 %. I had shopped with 5 other lenders and NFCU was the cheapest by a full point so we were happy. We provided everything requested by our loan officer within 24 hours and he told us he had zero concerns about financing and we would be approved. We both have XXXX credit scores, have been XXXX XXXX for 20 years, and our tax return showed an AGI of around {$270000.00}. Additionally we have zero debt and are outstanding credit risks in absolutely every way. On XX/XX/XXXX, after hours on a Friday night, we received an automated denial email. We were unable to speak to anyone until Monday, when we were told that NFCU had to make a decision within 30 days and the underwriters needed to go home on Friday and since they didn't have everything they may have needed that they issued a denial. I had last spoken to our loan XXXX on XX/XX/XXXX and he told us he had everything they needed so far and if the underwriters needed anything he would let us know. We were shocked at the denial. We immediately asked for an appeal, then we were told that the underwriters said we showed a monthly loss of {$25000.00}. This is ridiculous, our tax returns clearly show this is not true. The underwriters were deducting depreciation and showing it as a loss. I sent them the language from the XXXX XXXX for lenders that stated " Depreciation shall be added back into income '' and " Lenders are encouraged ot make VA loans to all qualified Veterans who apply ... .Underwriters must apply reasonable judgment and flexibility in administering this important Veteran 's benefit. '' NFCU then sent me a screenshot of my supposed loan application. I immediately noticed several errors, including incorrect phone number, incorrect address, incorrect LLC dates, {$25000.00} loss, etc. I let them know I had never seen this before and I didn't know who filled that out. The next day I logged into the NFCU portal to look at the application again, and it was different from the screenshot NFCU had sent me. Clearly someone at NFCU was modifying our loan application without our knowledge or consent. I have attached screenshots of both versions so you can see this for yourself. At this point we were {$10000.00} into sunk funds paying for appraisals, non-refundable earnest money, etc. so we offered to put 20 % down on the VA loan. While it wasn't our first choice, it would retain the 6.125 % interest rate. NFCU denied that, but offered us a loan for 5 % down at 8.250 % or 20 % down at 7.375 %. When we finally received our official denial letter it stated that we had an incomplete credit application ( we had NEVER been told this, in fact we were told all along that they would let us know if they needed anything else. I believe they stated the application was " incomplete '' because they ran out of time with the 30 days ) ; and that we had insufficient income for the amount of credit requested. This is ridiculous. I make {$150000.00} a year and my husband makes {$180000.00} a year. They had our taxes showing AGI of {$270000.00}. We asked for a loan of around {$910000.00} and even offered to put 20 % down which would take it to around {$730000.00}. It is ludicrous that NFCU denied us for a VA loan with 20 % down but offered us a conventional at 5 % down. The only difference is the interest rate. We ended up not getting the house, and losing the {$10000.00} due to NFCU. | ||||||
| 03/22/2017 | Yes |
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Web | Older American |
| I have been having a lot of problems with XXXX, Web Bill Pay, third party of Navy Federal Credit Union. Subsequently, I have been making my payments using bill pay in order to make payments thru other banks, credit unions, loans, and insurance payment. Usually, I contact XXXX, to check whether payments have been received, and was informed that payments were received on the date I scheduled for payments, and it will clear the same day. Unfortunately, Web Bill Pay will wait 3 days to clear my check, along with other payments. In the meantime, my other payments are also waiting to be cleared and deducted from my checking accounts. This transaction and clear of checks caused a charged fee of {$29.00}. I have had to contact Navy Federal Credit Union customer service representative to inquire about the charged fees. Then, I had to be transferred to Web Bill Pay regarding payments also. On several occasions, Web Bill Pay customer service representatives were not too helpful and unprofessional and outright rude. In fact, one of the Web Bill Pay supervisors ', yelled at me over the phone, and I told her that she was unprofessional, and I did n't appreciate it. That, I am a military veteran, and I do not like to be treated like that. She ask me for my password, which I should n't have provided to her due my security/privacy. Apparently, I never provided Navy Federal Credit Union customer representative my password, but code word. The Web Bill Pay supervisor then asked to speak to my husband who is the primary in the account. In the past, it was never brought to my attention about inquiring on bill pay problems because I initiated and created the bill pay accounts in order to pay all my bills. He was getting annoyed with the Web Bill Pay supervisor because she was asking him all kinds of questions about his checking account and routing account numbers. He then in turned ask her whether she also know what her checking account number was. After the phone conversation, my husband, XXXX told the Web Bill Pay supervisor to talk to me, but she hung up. Then, I immediately contacted Navy Federal Credit Union, and ask to speak to the supervisor regarding the unprofessional supervisor. I informed her that the Web Bill Pay Supervisor was unprofessional, raised her tone of voice at me, and no respect. In addition, I told her that I was very dissatisfied with Web Bill Pay supervisor services, and that Navy Federal Credit Union should hire another company. The Navy Federal Credit Union supervisor apologies for the dissatisfied services with Web Bill Pay. In addition, I told her that the Navy Federal Credit Union should hire another third party instead of XXXX. In the past, I had ask the Navy Federal Credit Union tellers about Web Bill Pay, and they informed me about the same problems they were having also. One of the tellers told me that the Web Bill Pay customer representatives were not too helpful and would also delay in clearing checks. I have had good satisfaction with the Navy Federal Credit Union call center customer service representative and also were given the reversed fee. Web Bill Pay, third party to Navy Federal Credit Union suspended my services with them which I do not intent to use due to unprofessional and very dissatisfied service which I should rate a 1 ; delay in clearing checks to not only me but others as well. I also was informed that other customers were also having problems with the XXXX, Web Bill Pay. | ||||||
| 11/22/2021 | Yes |
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Web | Servicemember |
| Earlier this year- I called overdraft fees to be refunded, because they did that in the past, and was informed that they changed their policy and no longer waive overdraft fees. I asked where/ when this occurred and the representative said over the summer ( XXXX ). I have not seen any such record of a change. XX/XX/XXXX I called Navy Federal Credit Union ( NFCU ) about overdraft fees that occurred due to my account being overdrawn. I was given a {$40.00} credit, in order to compensate for XXXX overdraft fees. The solution they offer did not help me at the time. XX/XX/XXXX I called NFCU about overdraft fees, XXXX of them, they occurred on the XXXX and XXXX of this month. They denied the refund with the response that they have the discretion to do so at will. I ask to speak to a XXXX. She mentioned that they have this policy as an option and as such they can choose to waive fees. She also said that she does not refund fees at all. Not only that, but she then said that during XXXX, they waived fees as a discretion. I hung up the phone due to my health issues exacerbating. I have not been able to find the documentation that describes any of this type of changes or the legitimacy of their discretion with the overdraft fees. The XXXX XXXX Terms and Conditions does not list the OOPS information. I have to search for it, and it only describes the policy of charging my account when it is overdrawn. As far as I can tell, they do not violate this policy, but they also remove my account balance information from the past, so I can not tell if they overcharge me or not. I recognize that I make the decision to take money that is not there at the moment, and according to the policy they can charge me {$20.00} a day. This kinda makes sense. I ran into issues years ago and due to my health can not get out of the financial rut. As of this year, I have been charged {$460.00} in overdraft fees, and have been given {$60.00} returned. I attempted to look at last year, but they do not let me see my full accounting information past a few months. I am not seeing where they denied my XXXX attempt to get overdraft fees returned. And today I was told that they did help individuals during the pandemic. But why not me? Are they discriminating against my veteran status, or my XXXX, or my lack of employment? I had XXXX XXXX XXXX tell me that I shouldn't have a bank account because I am XXXX. Maybe there is a trend here for XXXX veterans being taking advantage of by EVERYONE! I am a XXXX veteran with mental and physical health issues. The VA has not helped with those issues. I feel trapped in this situation. I am attempting to resolve my health issues, but I am technically on my own. Not only that, but I have asked NFCU for assistance in attempting to resolve my financial situation through a loan or guidance, and I get denied. From my perspective, the VA is solely to blame for my current situation, so maybe they are not supposed to help me. And maybe my complaint about these fees is moot due to the notion they are not violating their written policy, but it's technically not written they can waive or not waive these fees. I remember them waiving up to XXXX of dollars in fees at once, but I can not find that transaction anymore. The density of confusion has weighed on me for too long, and this is no longer working. I feel that the inconsistent use of overdraft fees has negatively impacted my mental health in a profound way. | ||||||
| 10/06/2022 | Yes |
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Web | Servicemember |
| I am a 100 % XXXX Veteran, who receives XXXX every month. A few years ago my current bank, Navy Federal Credit Union attempted to take I believe {$600.00} out of my checking account, when my only source of income was XXXX, for a past due credit card balance, which is now closed and sent to collections department. They took it out without any phone call, notice, or email, and I immediately called them and told them they can not touch those funds, and they returned said funds within the hour. I started working in XXXX of this year, XXXX, and they must have been monitoring my account at all times because once they saw that I was working and my deposits were coming in and they weren't labeled as from the " VA '' or dissability, I guess they took that as they can now start taking money, no matter the date, no matter what is happening in my life, whether or not I'm a single dad with a XXXX year old daughter, but they started taking my money. First they took XXXX straight out of savings, and they said it was for said past credit card balance. I assumed they only took it because they saw that it was in my savings. This was in XXXX, XXXX I believe. Next was on XX/XX/XXXX and XX/XX/XXXX, first taking XXXX followed by XXXX, and the latter was taken out literally the same minute that my deposit hit. Again, no phone call, notice, email, or anything. A couple weeks later I had to leave said job, and am now unable to pay my bills, that was money I saved in my checking account and knew I would be leaving that job, and looking for a new one, closer to home. Not only do I believe they should not take someones entire check from them, nor half of a check, but I don't understand how one can legally and without a doubt know that the money they are taking is not XXXX funds, when those work deposits shared an exact checking account with where my dissablity got sent to. How do they know that every dollar they transfered was not at all dissability funds when they are " mixed '' together once it's in the account. Once a deposit hit or dissablity was transfered into that account, bills had to be paid, groceries bought, etc. so how can they possibly know where I allocate my money and what they are taking. I don't believe that's possible. Again, Not only that, how can they take so much, not care or know that the person is going to be jobless soon, and needs every dollar that they were saving. Now I can not pay bills, buy gas, etc. for the rest of this month. I have reached out to numerous lawyers all saying the same thing, this is not something they deal with. I have even contacted the veterans emergency line and they were of no help also. I really need that " cushion '' right now especially since I don't have a new job yet. I don't know how they can differentiate since it's shared with an account where XXXX was deposited into, and also, how is the amount they chose to take not against any law or act, having to do with not only veterans, but consumer protection. I need someone to tell me that they have to return some if not all, please if you can help. I am out of options. Again, this account is closed, sent to collections, I paid for this with a credit score downfall, This is what Navy Federal will not tell their clients, this is what they won't show on their commercials and adds. I am planning on taking them to small claims and explaining all of this to a judge, I have to try. I don't see how that is fair. | ||||||
| 08/23/2017 | Yes |
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Web | Servicemember |
| I had an auto loan with Navy Federal Credit Union. Towards the end of the loan term, they stopped sending statements and denied/blocked online access to current account information so I just paid my loan installments up until my records showed it was paid in full. Five months later in about XX/XX/XXXX, Navy Federal repossessed my car. I called the police and was surprised to learn NFCU had my car repo 'd. I called NFCU right away and spoke to not so nice " customer service reps '' who went about the schpiel that I owed them a balance along with the repossession fee etc. To their surprise I paid it that day without question and continually followed up for the status. Once they knew I was paying them right away, the reps started to speak to me as if I were a human being, but it still took two days for them to confirm receipt of my payment and provide a release to the tow truck company and I got my car back. In short, I paid off the loan to Navy Federal 's satisfaction right away upon learning there was a balance according to their records. I requested they send me an account detail of the loan balance and all payments as well as documentation that my auto loan was satisfied. I wanted both because my records show it was already paid, but they wanted $ XXXX more, so knowing NFCU 's unfair lending and debt practices, I wanted their records to compare with mine. NFCU advised that I had a cease and desist letter on file with them which prevented them from sending me statements for the months they said I owed installment payments and that I would have to request the cease and desist order be revoked. I asked for evidence of the cease and desist order because I am not an attorney and did n't know how a cease and desist order was placed on my file preventing them from contacting me. I have other accounts and loans with NFCU and they never stopped calling or mailing me statements for those. Dealing with NFCU is difficult. They make it so intentionally. Eventually, I was allowed to see the statements for my auto loan online, but the last record was XX/XX/XXXX, and the statements online never updated reflecting that I paid the loan in full. So that 's the background. I got my car back after paying their demand, all fees etc. It 's been over two years since I 've satisfied this loan. I 've been trying to get a letter confirming the loan is satisfied and or the title, lien release - something. Navy Federal has ignored all my written attempts to receive this. The auto has over 100k miles and I just need the title or for NFCU to acknowledge I paid the debt to remove the lien, which is still reflected in the vehicle registration with the DMV, but NAVY FEDERAL wo n't respond. In short, I want a letter of satisfaction and/or lien release for this vehicle that barely runs, and for which I have satisfied the loan. NFCU 's lack of response is intentional - it must be because I never even received a letter refusing my request. Ignoring a written request is very much in line with all the other illicit NFCU practices that I 'm sure are illegal - like moving my funds from my bank account to apply to loan installments not yet due, denying online access to accounts, removing payment options online thereby making it harder to pay them so they can collect late fees, or taking my payment and putting the payment on account as unapplied while payment after payment accrues as " pending '' & charging late fees as a result, etc. | ||||||
| 05/30/2020 | Yes |
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Web | Older American, Servicemember |
| XX/XX/2020 TO : NAVY FEDERAL CREDIT UNION ATTN : XXXX XXXX, President/CEO FROM : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX RE : Complaint and Grievance, regarding events which led up to my PPP application denial Dear Ms. XXXX XXXX, I am writing to inform you that a complaint and grievance process, is being filed with the SBA, and appropriate banking consumer protection organizations in regards to my PPP application submitted XX/XX/2020 and the events which led to my PPP application denial. As a veteran and loyal customer with NFCU, the disrespect, misrepresentation and unprofessionalism shown towards me by a few NFCU employers and supervisors, I believe has led to an abrupt decision to deny my PPP application and approval. As communicated in my communication messages submitted via NFCU secure message center on several occasions, NFCU staff in particular a supervisor named XXXX communicated to me, that I should submit false and misleading documents ( i.e. 1099, Schedule C, 941 etc ) to secure the PPP loan. I communicated that I would not submit any misleading financial documents or federal document to SBA to secure a loan. On several occasions during my application process, NFCU personnel informed me via phone conversation that I needed to submit unrelated documents as mentioned above that were not warranted nor deemed regarding my PPP loan application process and approval. The supervisor by the name XXXX phoned me on several occasions insisting that I submit the misleading documents mention the above. that wasnt relevant nor warranted to me qualifying for the SBA PPP loan, due to the fact that my business didnt start until XX/XX/2020. I informed XXXX that I do not have any employers therefore it is not required by federal tax law that I file a form 941 IRS code. XXXX called me several times harassing me on this issue, insisting that if I didnt falsify a federal form 941, he would do everything in his power to prevent my loan application process and approval. He indicated that he would prevent the continuation of my PPP application and create obstacles to prevent my application for being approved. Furthermore, I was informed that any additional information needed for the consideration of my PPP loan application, it would be communicated to me in writing either thru the NFCU secure message center or email. As to date, I never received any written communication for any additional documents needed for my PPP loan application process. Since the submission of my PPP loan application, NFCU staff and NFCU PPP representatives on several different occasions communicated to me via phone conversation that my PPP application was approved and that I would be receiving via email my promissory note documents by XX/XX/2020. This never happened, I called today to inquirer of my PPP loan application status, and was informed that my PPP application was denied. I called back to inquire for more detailed information on why my PPP application was denied and a supervisor named XXXX with NFCU informed me that the denial came from SBA and he indicated that he did not have any more information concerning my PPP application denial, and I would be getting a denial letter from SBA in 60 days with the specific reasons detailing why my PPP application was denied. Documents submitted to NFCU for PPP loan application 1. SBA PPP loan Application 2. Income Summary Report 3. Financial Statement and Ledger XXXX XXXX XXXX | ||||||
| 10/19/2023 | Yes |
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Web | |
| -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IT IS NOT MY BELIEF THAT NAVY IS PURPOSELY ACTING WITH XXXX XXXX TO HARM I THE CONSUMER WHICH IS WHY I HOPE THIS MATTER CAN BE SOLVED QUICKLY AND SWIFTLY BECAUSE REGARDLESS, THE LAW IS THE LAW. AS THE ORIGINAL CREDITOR AND ORIGINAL CARD HOLDER AS CONGRESS DEFINED UNDER 15 USC 1691a ( e ) ( f ) I HAVE EXERCISED MY GRANTED RIGHT TO CREDIT AS DEFINED UNDER 15 USC 1602 WITH NAVY FEDERAL AND EXTENDED MY CREDIT WITH THE INSTITUTION TO EXTEND BACK TO ME FOR FAMILY AND HOUSEHOLD USE. THIS COMPLAINT WAS BROUGHT ABOUT WHEN NAVY FEDERAL COMMITTED ADVERSE ACTION AND DISCRIMINATION AGAINST ME IN DENYING ME A CREDIT LIMIT INCREASE AS DESCRIBED UNDER E.C.O.A. " prohibits creditors from discriminating against credit applicants ... .or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. NOTICE IT IS FACT I HAVE EXERCISED MY GRANTED RIGHT TO CREDIT AND HAVE BEEN UNLAWFULLY DISCRIMINATED FOR DOING SO. NOTICE IT IS FACT NAVY FEDERAL HAS ALSO COMMITTED ADVERSE ACTION AGAINST BY DENYING ME A CREDIT LIMIT INCREASE WHICH GOES AGAINST THE VERY DEFINITION OF ADVERSE ACTION UNDER 15 USC 1691 ( d ) WHICH STATES CLEARLY AND DIRECTLY " ( 6 ) ... .Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, ** or ** where such additional credit would exceed a previously established credit limit. ". NAVY FEDERAL ADVERSE ACTION GOES AGAINST THE VERY DEFINITION O F THE TERM AND IS DISCRIMINATION AND A VIOLATION UNDER TRUTH IN LENDING.. NOTICE IT IS FACT NAVY FEDERAL HAS FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND DID NOT DISCLOSE TO ME MY RIGHT TO DIRECT THE MANNER IN WHICH MY CONSUMER INFORMATION CAN BE REPORTED UNDER 15 USC 6802 AND DID NOT GIVE CONSPICUOUS CLARIFACTION TO ME THE CONSUMER OF SUCH RIGHT. REPORTING CONSUMER INFORMATION IS " VOLUNTARY '' IT IS NOT DEMANDED IN FEDERAL LAW. I THE ORIGINAL CREDITOR IN FACT WISH TO EXERCISE MY RIGHT WHICH WAS NOT DISCLOSED TO ME TO OPT OUT OF YOUR CONSUMER REPORTING INFORMATION AND GIVE YOU NO PERMISSIBLE PURPOSE TO DO SO. AND CONTINUATION OF SUCH ACT WILL RESULT IN A TITTLE 15 VIOLATION ASWELL AS A SEVERE VIOLATION UNDER TRUTH IN LENDING. -- -- -- -- -NOTICE IT IS ALSO A FACT I THE CONSUMER HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH NAVY FEDERAL WHERE THEY HAVE OBTAINED MY CREDIT CARD DEFINED UNDER 15 USC 1602 AND WHERE A FINANCE CHARGE SUM OF ALL CHARGES WAS CONDUCTED VIA A CREDIT APPLICATION ( ASSET/SECURITY ) WHICH BECAME THE NEGOTIABLE INTSTRUMENT AND TENDER OF PAYMENT FOR THE OBLIGATION WHERE NAVY FEDERAL OBTAINED MONEY AND CREDIT IN COMMERCE VIA FEDERAL RESERVE ACT SEC. 16 & 29 AND UCC3-104a AND YET IS REPORTING A DEBT ALLEGEDLY LAWFULLY OWED ON MY REPUTATION WHEN IN FACT SATISFACTION OF DEBT WAS GIVEN AT THE POINT OF APPLICATION UPON EXTENDING MY CREDIT. AND THE FINANCE CHARGE 15 USC 1605. TENDER OF PAYMENT HAS BEEN EXPRESSED VIA NEGOTIABLE INSTRUMENT TO NAVY FEDERAL TO CREDIT THE CREDIT CARD ACCOUNT AND HAS BEEN REFUSED AND RETURNED. UNDER UCC3-603 THE ALLEGED CREDIT CARD DEBT IS THERE FOR DISCHARGED AND YET IT STILL REMAINS ON MY REPUTATION ON CARD BALANCE. NAVY FEDERAL IS IN BREACH OF ITS TRUST AND FIDUCIARY DUTIES UNDER UCC AND THE FEDERAL RESERVE ACT. SEC. 29 TIER 3 VIOLATION. | ||||||
| 10/23/2017 | Yes |
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Web | Servicemember |
| To whom it may concern, I submitted a complaint to Navy Federal on XXXX/XXXX/XXXX regarding their practice of automatically transferring funds from a joint savings account that I am on with my husband to pay for a Navy Federal credit card that my husband is on individually. I am including a copy of the original complaint with this submission to the CFPB. My concerns are that funds that are jointly owned by me are being taken by Navy Federal when : I am not a joint obligor or authorized user of my husbands credit card ; I am not sure when the credit card account was opened ; I do not have access to payment information ( including due dates, balances, payment arrangements, etc. ) on the credit card and am not aware of any alleged delinquency until the funds have already been taken by Navy Federal ; My husband told me that he has the payments for his credit card scheduled to come out of his Navy Federal checking account and that the payments have been made every month, yet Navy Federal continues to take payments from our joint account ; Since I am not an obligor on the credit card, Navy Federal will not discuss the credit card account with me or allow me to dispute the transfers. I therefore, have no recourse although I have rights to the joint account from which they took funds ; I was not made aware at any time, in account opening disclosures or otherwise, by Navy Federal that funds placed in a joint account can be pledged as security with the consent of only one joint account holder, for repayment of their individual credit ; It is unclear if they have exhausted all efforts to collect from my husband and his individual accounts before pulling the funds from our joint account ; Thus far, Navy Federal has not sufficiently addressed my concerns. Navy Federal responded on XXXX/XXXX/XXXX with the following : " Thank you for using Navy Federal 's eMessaging Service, XXXX XXXX. If the minimum payment is not received by the due date and a payment arrangement has not been communicated to our Collections Department, funds up to the full past due amount can be transferred to cover the amount owed. The funds are transferred in accordance with the Credit Card Application Disclosure statement, in which he pledged security interest in any share or joint account ( excluding IRA accounts ) should the credit card fall past due. Should you require further assistance or have any additional questions, please contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX and weekends from XXXX XXXX to XXXX XXXX, Eastern time. We look forward to hearing from you. '' The above response from Navy Federal indicates that my husband pledged a security interest in our joint account in accordance with the Credit Card Application Disclosure statement, which Navy Federal has not provided me a copy of, because I do not have a credit card with Navy Federal. I do not live in a community property state and did not live in a community property state at the time that I opened an account at Navy Federal, nor does my husband have power of attorney to act on my behalf in pledging assets owned or partially owned by me as security for anything. To date, Navy Federal has not addressed my concerns in phone conversations with representatives or provided an adequate response to my written complaint. Please review my initial complaint. Your assistance is appreciated in resolving this matter. XXXX XXXX | ||||||
| 05/07/2017 | Yes |
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Web | |
| On XXXX XXXX 2017 I sent navy federal credit union a QWR " qualified written request '' for the following information, full, double sided, certified true and accurate copy of the original promissory note and security instrument and all assignments of the security instrument. 2. Full name, address and telephone number of the actual entity that funded the transaction. 3. Pursuant to the Truth In-Lending Act 131 ( f ) ( 2 ) and 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage. 4. Full name of Trust where the Note Number is trading, or has traded, and the identifying Series of Certificates. ( Note : If the note number is being traded in a XXXX XXXX Trust or XXXX XXXX Trust, please provide all information to identify the Trust ( i.e. XXXX XXXX Pool Number, XXXX Number, XXXX or XXXX XXXX Number and Trust Class/Tranche ). 5. Full name, address, and telephone number of the Trustee. 6 . Full name, address, and telephone number of the Custodian of my original Promissory Note, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act. 7. The MERS M ilestone Report, if the note number and security instrument was tracked by Mortgage Electronic Registration Systems. I want to see the audit trail of the alleged transfer in ownership and alleged transfer in security interest. 8. A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied. 9. A complete and itemized statement of any and all fees and/or charges against this account. 10. A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. 11. A complete and itemized statement from the date of the note origination to the date of your response to this letter of the amounts charged for any forced-placed insurance, the date of the charge, the name of the insurance company, the relation of the insurance company to you or a related company, the amount of commission you received for each force-placed insurance event, and an itemized statement of any other related expenses and any claims paid out thereto. 12. Complete and itemized statement of any and all fees incurred to modify, extend, or amend the loan or to defer any payment or payments due under the terms of the loan, from the date of the note origination to the date of your response to this letter. 13. Complete, itemized statement of the current amount needed to pay-off the alleged loan in full. 14. Verification of any notification provided to me of a change in servicer. Now according to Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ) Navy Federal Had 30 days to respond to my request for the information requested above and as of today XXXX XXXX 2017 I h ave n't gotten any response from them pertaining to my QWR I also Sent the information to there legal team of XXXX XXXX XXXX a nd still have n't received any information. | ||||||
| 10/07/2021 | Yes |
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Web | |
| This complaint is in regards to the Navy Federal Credit Union Charge OFF account for the balance of {$6300.00} on my XXXX credit report as XXXX XXXX. This account has been a Charge Off account on my report for over 7 years and I have not made any payments to this account in over 7 years ; nor, have I ever authorized any payments to this account in over 7 years, thus the XX/XX/XXXX payment that Navy Federal Credit Union is reporting that I paid is fraudulent. The accounts I had with Navy Federal Credit Union were a checking and savings account that I had not deposited money into for well over 7 years, and I had a Refinance Car Loan account. I had not deposit any money into the checking and savings accounts in well over 7 years therefore there was not any money to draw a XX/XX/XXXX payment to this Charge Off account and I have never made nor authorized a payment to this Charge Off account. All payments for the Refinance Car Loan account were made directly to that account. Even the total loss insurance payment of over {$8000.00} that I received from my insurance, The General, in the winter of XXXX due to the car being wrecked and deemed a total loss was paid directly to the Refinance Car Loan I had with Navy Federal Credit Union ; and, I paid the remaining due balance directly to the Refinance Car Loan account. Once Navy Federal Credit Union received the last {$300.00} payment from me in Spring XXXX for the remaining balance of the Refinance Car Loan, they ( Navy Federal Credit Union ) closed all accounts I had with Navy Federal Credit Union and the Refinance Car Loan account was marked as paid and closed. Again, I have never deposited any money into the checking and savings accounts I have with Navy Federal Credit Union in well over 7 years so, there was no money to draw a XX/XX/XXXX payment from, I have never made a payment to this Charge Off account in over 7 years, nor have I authorized a payment to this Charge Off account, thus the XX/XX/XXXX payment is a false fabrication and blatant attempt by Navy Federal Credit Union to not have this account removed from my XXXX credit report. I am both disgusted and appalled at this illegal and deceptive behavior of Navy Federal Credit Union. This charge off account was reaching it's 7th year of reflecting on my XXXX credit report and in a attempt to extend the time that it reflects on my XXXX credit report, they fraudulently fabricated a record of a XX/XX/XXXX payment that I never made, and submitted the false and fraudulent record to XXXX in response to my previous dispute fraudulently showing a recent XX/XX/XXXX payment, but they did not include the form of this fraudulent XX/XX/XXXX payment in their records they submitted to XXXX because I never made, nor authorized a payment to this Charge Off account in over 7 years, and it would reveal their fraudulence. This account has negatively reflected on my XXXX credit report for over 7 years, has now unlawfully exceeded both the State of California and Federal limits and must be removed immediately. If this charge off account is not rightfully removed immediately as the law requires, I will be suing Navy Federal Credit Union for their unlawful and fraudulent practices, and for damages as my credit score has dropped another 34 points directly as a result of the fraudulence of Navy Federal Credit Union 's reporting of this charge off account thus, illegally and negatively affecting my quality of life. | ||||||
| 06/08/2017 | Yes |
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Web | Servicemember |
| On XXXX XXXX , 2017 my husband and I opened a checking account at Navy Federal Credit Union in XXXX , XXXX On XX/XX/XXXX I received an email saying that a member to member transfer had been set up on our account. The transfer was for someone by the name of XXXX XXXX XXXX . I did NOT set this up and I immediately contacted my husband to ask him. He did NOT set this up either and he became very alarmed. He advised me to call the bank immediately for help. I logged onto our account and found that a transfer was made to a XXXX XXXX XXXX in the amount of {$1100.00}. It left us with an account balance of {$0.00}. I immediately contacted NFCU and spoke to someone named XXXX @ XXXX . She told me she would need to close my current account immediately and stop all access to it. She also informed me that she would be opening a brand new account for us and transferring all current business to it. She said my husband and my access was restricted at the moment and we would need to call the next morning and start a fraud claim and get our access reinstated. The next morning I called NFCU and attempted to start the fraud claim but was told that my husbands information had been hacked/stolen and that he would have to call and make the claim. He immediately called and spoke to someone named XXXX ? ( no certain ) and then spoke to someone named XXXX in securities. Fraud Case # XXXX . He was informed that it would take 10 business days before we could find anything out. I went to the local branch here in XXXX on XX/XX/XXXX and spoke with an employee by the name of XXXX XXXX . He checked out all my information and confirmed everything. He gave me access into my new account and my debit card which was transferred from my old account to my new one. He told me if I have any more problems or questions to come back and see him. On Saturday XX/XX/XXXX when my husband returned home we went back to our local branch bank to see what more can be done. We spoke to XXXX who is the person that originally opened our account. She verified that the fraud case was given to an investigator on Friday XX/XX/XXXX and that it would be 10 business days from Friday for the investigator to figure out something. We do not understand why our money is n't being refunded to us since this financial institution is Federally Insured to handle these situations. We were told by both bank employees that this is an in-house theft and that because of that we can not get provisional credit immediately back to our account. This is not right and unfair. We put our faith into this banking institution and now we have been robbed and in really no way compensated. The officials at the bank have refused to give us much information. They also will not tell us what law enforcement agency they will be using and we 've been ignored on all requests to speak to the investigator. We suggested calling our local police or FBI and the NFCU securities department stated that they would not share any information with law enforcement without a subpoena. We are being led to believe that since this is an in-house crime NFCU is trying to hide something and do not want outside interference. It has been 9 calendar days since the incident and we have gotten no reassurance, no information, and no hope that we will recover our money which has been stolen. We feel that we have no option but to contact outside agencies for help. | ||||||
| 02/08/2022 | Yes |
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| Navy Federal Credit Union, I have read the documentary evidence ( my consumer report with XXXX, XXXX, and XXXX ) and I conclude that you are in using deceptive, abusive, and unfair debt collection practice against me a consumer/natural person. Your companies abusive and debt collection practices have contributed to number of personal bankruptcies, loss of job and the invasion of individuals privacy, I am sure. XXXX has established laws and procedures for redressing these injuries, but they are inadequate to protect consumers. As most financial institution your abusive debt collection practices are carried on to a substantial extent in the interstate commerce and through means and instrumentalities of such commerce. Even when your abusive debt collection practices are purely intrastate in character, they nevertheless directly effect interstate commerce. And that alone shows a direct willingness on your part to injure consumers, knowing XXXX has clearly directed you not to do so, through the Fair Debt Collection Practices Act, Fair Credit Reporting Act and Truth in Lending. All of which XXXX violated, and by doing so youve injured me the consumer. At this current time Navy Federal Credit Union, you appear on my consumer report as a approved extension of credit which is a violation of the Fair Credit Reporting Act. According to XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ( XXXX ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, is to be excluded from a consumer report/my consumer report. Remove Navy Federal Credit Union immediately You are also in direct violation of the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( XXXX ). You are a debt collector, trying to collect an alleged debt, so you may not communicate with any person other than me the consumer, that includes XXXX, XXXX and XXXX, also you may never state that, I, the consumer owes any debt. Remove Navy Federal Credit Union immediately. Also, according to the XXXX, as a debt collector you must have my direct consent or the expressed written permission of a court of competent jurisdiction to communicate with me regarding any debt ( alleged ). You may not ever communicate with third parties, that includes XXXX XXXX, XXXX and XXXX, instructed in XXXX XXXX XXXX. a debt collector may not communicate in connection with the collection of any debt, with anyone other than the consumer, thats in accordance with XXXX XXXX XXXX ( XXXX ) Communication with Third Parties. By reporting to consumer reporting agencies without my direct permission or a federal court you are advertising or the sell of a debt to coerce payment. As a debt collector if your trying to engage in any conduct and the natural consequence of which is to harass, oppress, or abuse me in connection with any debt that is wrong, according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) Harassment and Abuse. Lastly, to furnish a consumer report, you must again have the permission of a court with jurisdiction in this matter, which I am positive you dont. Since you dont have that, Im positive you dont have my permission to furnish a consumer report. So according to the XXXX, XXXX XXXX XXXX ( XXXX ) Permissible Purposes of report, you must follow the written instructions of the consumer to whom it relates which would be me. Remove yourself, Navy Federal Credit Union from my consumer report immediately. | ||||||
| 07/28/2015 | Yes |
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| I refinanced my vehicle loan in XXXX XXXX with Navy Federal Credit Union. I know I 'm supposed to read what I sign, but when I went to sign the approval documents, there was 5 minutes left before the branch closed. The clerk had me sign the paper and I left. It was n't until I fell behind due to a XXXX in XXXX XXXX that I found out how evil this company can be. It took my mother, after a few of my failed attempts, in tears explaining my life story to the collections manager, that they took did an emergency deferment. Then, when I fell behind due to some medical issues in XXXX XXXX - I was XXXX months pregnant this time. I was in a bit of a XXXX due to work, mourning the loss of my previous XXXX still, and the stress of everything. I went on a leave of absence from work, XXXX XXXX could n't cover me because it was n't for 30days. I had NO income during that time and all I was told was that there was nothing they could do and they could take the money out of my savings and checking to cover my car payment ( they call it a statutory lien ). I tried for months to get them to help me, but they kept coming back saying they already gave me a deferment in XXXX. I would have to wait 12 months to get another. They took my mother 's and my friend 's money from the joint accounts I owned with them to cover MY car payment. I immediately called them and told them to transfer the funds back. Within a few months or so, I closed all my accounts with them, leaving the auto loan. I went on XXXX XXXX from XXXX XXXX - XXXX XXXX due to the birth of my son and was on 50 % income, I was having a hard time catching up. I needed assistance. They would n't change my due date. I had to do another deferment to catch-up. I decided to go back because my mother had her own account and it was easier to do business between accounts if I had my own again. In XXXX, I was 8 days past due before they took the XXXX I had in my checking account and put it towards my car payment. I called and had it transferred back, telling them when the payment would be made. Then that Tuesday, it happened again, they transferred XXXX from my checking and put it towards my auto loan. I called and had it transferred back, pointing out I had an arrangement on file. She made an excuse saying it was their automated system doing it. She also told me that I have overdraft protection, and it would help if anything comes in. I told her XXXX no, you just want to charge me {$30.00} per transaction. I received XXXX letters later advising they were transferring the funds to protect my credit and their asset, and today, I received a letter ( dated XXXX XXXX, XXXX ) telling me my payment was due on XXXX and it had not been received. Giving my balance which reflects nowhere on their system ( XXXX ) and threatening that they can report information to the credit bureaus and reminding me that they have a lien against my checking and savings account. Per the date on this letter, I was 9 days past due. In addition, I find it funny that they removed the funds transfer transactions from both my checking and auto loan account, both of them. I was able to capture the XXXX transaction as a screenshot and I downloaded the transactions from both my checking and auto loan to show this. I am highly dissatisfied with a company I 've done business with for well over 10 years. They are starting to act just like a bank. I find this threatening and possibly illegal. | ||||||
| 03/20/2023 | Yes |
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| Affidavits signed, sealed and delivered to the principal of Navy Federal Credit Union hereinafter, Navy Federal Credit Union in regards to a consumer credit transaction have not been answered and therefor Navy Federal Credit Union now stands in default. The consumer asked Navy Federal Credit Union to provide documentation showing a lawful claim of right in the form of United States Dollars which they failed to do. Their is standing case law that applies to this consumer credit transaction being ; 1st National Bank Of Montgomery vs. Jerome Daly, XXXX XXXX Minnesota. Whereas, XXXX XXXX admitted that all of the money or credit which was used as a consideration was created upon their books, that this was standard banking practice exercised by their bank in combination with the Federal Reserve Bank of XXXX, another private Bank, further that he knew of no United States Statute or Law that gave the Plaintiff the authority to do this. Plaintiff further claimed that Defendant by using the ledger book created credit and by paying on the Note and Mortgage waived any right to complain about the Consideration and that the Defendant was estopped from doing so. This very issue was raised in the affidavits which have not been answered whereas, the consumer reserved all rights prior to going into contract with Navy Federal Credit Union and has acted in good faith to get answers concerning the consumer credit transaction which should be available upon demand. After Final Notice of Default was served upon Navy Federal Credit Union, the creditor or an agent thereof issued a cease and desist which recognized their lack of standing, " communications are provided to you for compliance and /or informational purposes only and should not be construed as an attempt to contact you for payment. '' After understanding the lack of standing Navy Federal Credit Union then failed in their Obligations with respect to disclosures of personal information and shared the consumers personal information to a third-party without providing notice and the option to opt-out as discussed in 15 USC 6802. The third-party is a Repossession Company whom the consumer did not consent to contract with nor knowing consent to the said company nor any agents thereof to possess the personal information of said consumer. The Repossession Company arrived at the consumer 's home in the dead of night frightening everyone inside the home on the night of XX/XX/2023 and this has added to the emotion distress, marital instability and other damages in which Title 15 1692 protects the consumer from. Furthermore, Navy Federal Credit Union has violated Title 15 1692 by the use of abusive, deceptive, and unfair debt collection practices ; and Title 15 USC 1692f where Congress declared a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, by contracting with a Third-Party, Navy Federal Credit Union has knowingly violated 15 USC 1692f ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest. By acquiescence Navy Federal Credit Union has waived the right to possession of the property and has agreed to release the Title Free and Clear for the Consumer. *All Attached Affidavits have been Signed Sealed and Delivered | ||||||
| 09/09/2022 | Yes |
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Web | Servicemember |
| This happened XX/XX/2022 a little before XXXX. Me and my husband have several accounts with Navy federal credit union a joint account together as well. We needed to make an important purchase yesterday so my husband called to increase the limit on the atm card. A representative name XXXX answered he verified all of the security questions ( keep in mind when you first call navy federal the automated system verifies if you are calling from a number on file for your account ) which was verified by the automated system and by XXXX. So XXXX said he sent a code to my husbands phone, which did not come through, he asked him to resend it, it still did not come through, he then asked for a supervisor because XXXX said he can not assist him with increasing the card limit without him receiving the code to the phone.A supervisor by the name of XXXX or XXXX not sure if its spelled right, took the call, she came in like she wasnt going to assist instead of trying to help, she say unfortunately you have to send it in writing, we tell her we have an important purchase we need to make today, all of our funds are in the account that you guys are not giving us access to, a bank we chose and trust with our funds but we get treated this way. She comes off stereotyping us saying people call in doing fraud all the time! First of all that made us feel even worse, because not only are we married, have this joint account, have a business account with yall, and personal accounts, we trust yall with our money but then get told we could be doing fraud because they get calls all the time with people saying they husband and wife doing fraud! WOW, you can only imagine how we feel. My husband asked her since the code wont come through his phone can they send it to my phone, she then said as long as she is there with you, I tell her Im right here we are together, she verified my name and date of birth, then asked me for a code word on the account. Which we do not have a code word on the account we are calling in regards of which is our joint account keep that in mind. So I said I dont recall there being a code word on the account. So my husband said a code word that could possibly be on my account ( not our joint account ) then she says well I cant move forward because he gave you the code word! Knowing that we are both on this joint account married, why wouldnt he know it if I cant remember, thats what couples do. She made every excuse why she couldnt help us and said send it in writing. We were furious, very hurt and upset to be treated that way, she came off as she didnt care or want to help us. My thing is even if people do fraud, dont come at us like we do fraud, we are very legit, in the military and have no reason to commit fraud. It was just not a good feeling and to top it off she did not increase the card limit she said she wasnt going to continue the call, she was very rude, not customer friendly and should not be s supervisor, there are ways to communicate things to members and that was not the correct way to accuse them Of doing fraud, I want an apology and some kind of corrective action for XXXX. That was insane and you can imagine how we feel in need of our own hard earned money that we could not do anything about getting it because of her, we are not happy at all, I will continue to tell my story until I get to someone who cares, I hope no one else have to experience what we went through | ||||||
| 04/19/2018 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I applied for a mortgage loan with Navy Federal Credit Union on the phone with XXXX XXXX. Prior to her starting the application I told her that I had applied at three other banks which included XXXX XXXX, XXXX and XXXX XXXX all for which I was approved. I also advised XXXX that my bankruptcy was discharged back in XX/XX/XXXX I told her these things because I wanted to make sure that she knew what my circumstances were prior to her starting the application. She advised that all of things mentioned were within Navy Federal guide lines and she proceeded to tell me that the credit reports for my husband and myself would cost {$36.00}. and I told her to proceed. After she completed the application she advised of some paperwork that the underwriters would need and asked that I uploaded them onto their secure website. I completed that task at XXXX, XXXX, XXXX and XXXX. During our conversation XXXX advised that Navy Federal had something called a Freedom lock where she had locked in our rate at 3.84 and that if I purchased some points I could get it down to 3.75, she also set my payment date up. During the application process XXXX asked me how much did I want to borrow, I told her I hadn't found a house yet and she told me to ask for {$500000.00}. and if the credit team couldn't approve that amount they would send a counter offer. XXXX also advised that Navy Federal had a Realty Plus team of realtor would could assist with finding a home and she signed me up for that as well. On XX/XX/XXXX I received a message from Navy Federal advising that XXXX XXXX was the mortgage loan officer during the process. On XX/XX/XXXXI followed up with our loan officer because we found a house over the weekend that we really liked. She was not in when I called but another loan officer advised that she would leave XXXX a message for when she arrived and have her follow up with me. XXXX followed with me later that morning and she advised that the credit team advised her that we asked for too much and my bankruptcy had to be within four years. She said I could reapply in XX/XX/XXXX of this year. She said I would receive a letter in the mail. Around XX/XX/XXXX I received a letter stating the total opposite of what XXXX had advised on the phone. The denial letter stated that the credit application was incomplete, they were unable to verify our income, and that we had poor credit with Navy Federal, delinquent past or present credit obligations with others and collection action or judgement. Our credit score was XXXX at the time and we had no bills that were past due. Nothing on that statement was true. I called back on XX/XX/XXXX and XXXX XXXX answered the call. She told me that she checked with her supervisor and was advised that with a VA Loan the waiting period after a bankruptcy was only two years. She advised if I was approved with XXXX I should have been approved with them. She put in a challenge/appeal in for me on that same day at XXXX the incident number is XXXX. OnXX/XX/XXXX XXXX supervisor XXXX XXXX called me and told me that she did not see any appeal or challenge and XXXX was correct with every thing she did and said. I asked for her supervisor name and she advised that was XXXX XXXX XXXX ext XXXX. I asked for information so I could send the CEO a letter and she said she did not have it. To this day I have not received anything in writing about my appeal or challenge. | ||||||
| 06/24/2021 | Yes |
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| This is a Covid-19 related late payment dispute from a Navy Federal Go Rewards Credit Card for the months of XXXX and XX/XX/XXXX. Account # XXXX XXXX XXXX XXXX On XX/XX/XXXX, I sent a removal request letter to the CEO of Navy Federal Credit Union. I did not receive a response, nor were the late payments removed. On XX/XX/XXXX, I called Navy Federal Credit Union to inquire about the removal process of the 2 Covid-19 related late payments being reported and not removed. I was directed to file a dispute directly through the credit bureaus. I filed a dispute, in which the bureau reports Navy Federal confirmed the report to be accurate and did not remove the late payments. I called Navy Federal back with the results of the disputes. They then directed me to write dispute letter, enclosed with my credit reports and send it directly to them. They received that letter on XX/XX/XXXX. On XX/XX/XXXX they sent me a standard email saying the exact same thing the bureaus did. They are unaware of or not following the law in accordance with Section 4201 " Credit Protection During Covid-19 '' I am not disputing anything before XX/XX/XXXX. I am disputing ( 2 ) 30 day late payments appearing on all 3 of my credit reports for XXXX and XX/XX/XXXX. This account is open and not a charge-off. Legally these should not be there. I am a victim of XXXX please remove immediately and replace with current or ok status on all 3 credit reports. See Below SEC. 4021. CREDIT PROTECTION DURING COVID19. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) COVERED PERIOD.The term covered period means the period beginning on XXXX XXXX XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect ; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. ( iii ) EXCEPTION.Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.. I will provide copies of my credit report, account number if needed. XXXX XXXX | ||||||
| 10/19/2023 | Yes |
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| My initial complaint XXXX was closed without any consideration towards me. My understanding is the CFPB is charged with protecting consumers from unfair practices by banks. In my case, my complaint was closed as " The company let us know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. '' which is incorrect. Firstly, there is no litigation between myself and Navy Federal. I submitted a subpoena for documentation to try and find out why Navy Federal removed me from my company bank account without my knowledge. They violated their own company policies. They did not provide all the documentation I requested in regards to why I was removed. This is after receiving two subpoenas. The result of Navy Federal removing me from XXXX company account is tens of thousands of dollars of missing company funds. My partner, once I removed, purchased weapons, antiques, lawn equipment, patio furniture and more. Cash in the thousands has been withdrawn. This would have never happened had Navy Federal followed their own policies and procedures. My rights have been violated. I have multiple tapes of conversations between my ex-husband and Navy Federal. Navy Federal stood by it's position that I must sign the XXXX however something happened after the last phone call and Navy Federal removed me. They have not provided this information. Again, there is no pending litigation therefore Navy Federal should have to respond to this complaint. They believed everything my ex husband told them, none of which is true and made no effort to validate the misinformation with myself before making the decision to remove me from the company account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal XXXX XXXX XXXX XXXX XXXX There is no court order removing me as stated by XXXX XXXX. There are no shareholders in XXXX XXXX XXXX therefore XXXX XXXX is NOT a majority shareholder of which he was aware of at time time of the phone calls. Navy Federal choose not to validate any of the documents they received with myself and I have been injured as a result. Original Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. In XXXX of XXXX, I went to the bank to get bank statements as my ex husband change the password for online access. I was notified that I was no longer on the account. I began inquiring about why I was removed after I discovered that Navy Federal requires a form called a " XXXX '' to be signed by any beneficiary owner who owns 25 % or more of the company. I was told Navy Federal would have sent me a notification and this form to complete which never happened. At this point either Navy Federal did not follow their own policies and procedures or my ex-husband forged my name on the account or both as I was never notified. I have spent countless hours trying to find a person to help me and have been transferred, left on hold and finally today told I am basically not entitled to find out what happened. First I was told I would need my ex-husbands permission to view the XXXX to determine if he forget my signature which is ridiculous. As of today I will have to server the bank with a subpoena regardless of the fact they verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read up on the laws regarding beneficial owners and I believe they are in violation. | ||||||
| 07/27/2022 | Yes |
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| I started a mortgage application with Navy Federal Credit Union in XX/XX/2022. I stated it was for a new construction home. Within a few weeks, I was assigned a loan employee, XXXX XXXX. At first XXXX XXXX was very kind to me and I realize now was performing grooming behavior. She asked and offered too personal of questions and information, such as each other 's free time activities, home decoration topics, shopping and other non-mortgage related chit chat. This appeared to be for building a relationship and seeking very personal information. In late XXXX and XXXX XXXX XXXX 's demeanor changed, she became abrupt, rude, contradictory and gaslit me that what I applied for in a mortgage loan was no longer an option. She changed the mortgage loan terms I applied at, from approximately 3.125 % XXXX points, XXXX fee, XXXX ARM loan to 3.875 % 15 year with fees, claiming that I didn't chose an option or lock a rate and a myriad of other accusatory statements. In XXXX 2022 I informed XXXX XXXX that her company 's loan programs were not competitive with the rates and fees of other mortgage programs offered. She stated that she can submit any competitor Loan Estimate for an updated Navy Fed offer that will beat any competitor. When I submitted the offer I found, she claimed that she can rate match the program, and beat the amount of fees charged. However, she returned documents that significantly increased again the fees and rate. This was totally contradictory to her statement of improving upon the competitor 's loan offer. Navy Federal increased the rate, and added mortgage points and origination fees. Additionally, she threatened me with time demands, that if I didn't sign paperwork within that business day that my mortgage loan application would be cancelled. I stated that her company 's offer did not beat the competitor, that it was higher in all three - rate, origination and point fees and that that was unacceptable. Because this was unacceptable, I refused to accept the Navy Fed offer and did not sign with her company XXXX XXXX XXXX. Nevertheless, XXXX XXXX has continued to act like she is my lender to my home buying professionals, including real estate agents, new home construction builders, credit agencies and other individuals. This has been going on for over 2 months. She has emailed without even copying me on messages to my real estate agent, home builder, and other people and agencies. Today she emailed that she is pulling my credit report and ordering my title- both without my permission and against my will. This is totally illegal, unprofessional and uncalled for. I have experienced Identity Theft in the past few months and XXXX XXXX is not being mindful nor respectful of my personal information. She may be to blame for my Identity Theft. She has access to all of my financial, social security and other information and is using it as she wishes without my permission. Her actions are outrageous and unacceptable. She is bullying and harassing me with numerous unwanted, unsolicited calls and emails to myself and the other named home real estate contacts. I am a single woman and she is taking advantage of me. I am filing this complaint with the Consumer Financial Protection Bureau to notify them of this outrageous, unprofessional, harassing, fraudulent behavior. I wish to have XXXX XXXX removed from her position and access to my information and files immediately. | ||||||
| 07/29/2016 | Yes |
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Web | Servicemember |
| My husband was a XXXX XXXX who was killed in the line of duty XXXX XXXX, XXXX. This caused my credit card to go into a negative account. I had to wait until XXXX XXXX for the investigation to be completed. XXXX XXXX, I received a letter from Navy Federal Credit Union about my credit card. I was going through multiple XXXX and contacted them in XXXX XXXX regarding this account. I spoke to my counselor assigned to the charge off and she gave me 3 options, similar to the 3 options in the letter, I could pay a lump sum of the balance of {$5300.00} and have it marked paid in full on my credit report, I could pay {$2600.00} and have it marked as paid in full for a lessor amount, or I could pay {$66.00} for 40 months and have my credit report marked as paid in full for a lessor amount upon completion of the final payment. I choose the option that worked best for me, 40 payments of {$66.00}, and set up automatic payments from my bank account every month. I pulled my credit report several months later and noticed that the balance had not changed even though I was making monthly payments. I disputed the information and they changed the balance. Last month I started working with XXXX XXXX to obtain a mortgage to buy a home. They informed me that Navy Federal Credit Union has been reporting this account as 90+ days late every month. On one report it 's 90+ days past due 44 times and another is 26 times. Any late mark before my XXXX payment on XXXX XXXX, XXXX, is accurate and valid. As of XXXX XXXX, XXXX, my account is paid as agreed per their payment options to me and my payments should not be reporting late because they are paid every month on time by automatic withdraw. The account is a charge off, I am not looking for that to change. This account is not paid late, it is paid on time and the late payments need to be removed immediately. I spoke to my counselor at Navy Federal and faxed her my credit report showing the late reporting, she told me that the credit department said it 's reporting correctly, so I asked to speak to her supervisor. She called me and I emailed her a copy of the letter they sent me in XXXX XXXX. She called me back and stated that my payments are a different amount in the letter so she said I was n't paying as agreed, which contradicted our first conversation, which she stated that they reported my account as paid as agreed for a lesser amount agreed upon, explaining that because I was not paying the full balance of the credit card. I was offered the payment arrangement by the counselor, who stated this would bring my account to good standing, the same thing stated in the original letter, and I have honored my end of the agreement with them. My payments are not late and should not be reported late. They are providing false information by saying my payments are late. Payments made on the following dates XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX and the remaining balance of the agreement will be paid in full in the next 30 days. I have 12 payments left but will be paying it off early. | ||||||
| 08/17/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Chief Financial Officer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Identity Theft Affidavit - Request for Immediate Action To whom it may concern, I, XXXX XXXX XXXX XXXX, am writing to you as a victim of identity theft and to bring your attention to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in various sections of the law, including 15 USC 1681a ( 3 ), 15 USC 1681e ( b ), and FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( b ). Your company has failed to assume its vital role in making sure the accounts reporting on my consumer report are accurate. You have received numerous documents regarding information to support my case of identity theft. Shall you continue to ignore my request and deprive me of my rights, I will begin taking legal action against your company pursuant 15 U.S.C. 1681n! According to 15 USC 1681a ( 3 ), your company plays a vital role in ensuring the accuracy and integrity of the information they report. As a consumer, I rely on your agency to fulfill its responsibility to maintain accurate consumer reports, especially in cases of identity theft. Furthermore, 15 USC 1681e ( b ) stipulates that your company is entitled to have the maximum possible accuracy when reporting information. It is clear that these accuracy standards must be upheld to protect the interests of consumers and maintain the integrity of credit reports. Most importantly, FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( b ) emphasizes the requirement for your company to promptly investigate and delete inaccurate information resulting from identity theft. As outlined by this law, I hereby request the immediate deletion and blocking of all inaccuracies resulting from the fraudulent activities associated with my identity. Below are listed all of the accounts on my consumer report that are fraudulent due to identity theft. Navy Federal Credit Union Credit card XXXX XXXX Navy Federal Credit Union Installment - XXXX To support my claim of identity theft, I have attached the following documents for your reference : 1. A copy of my government-issued identification. 2. Copies of relevant police and identity theft reports filed with the XXXX Police Department and FTC. I expect your agency to take immediate action to investigate and resolve this matter in accordance with the FCRA 605B 15 U.S.C. 1681c-2 ( a ) ( b ). Specifically, I request the following actions to be taken within four days of receipt of this letter : 1. Delete and block any inaccurate information resulting from the fraudulent activities associated with my identity from my consumer report. 2. Provide me with a written confirmation of the deletion and blocking of the inaccurate information. 3. Provide me with a copy of my updated and accurate consumer report, free of charge. *Please note that failure to comply with the provisions of the FCRA will result in legal action being pursued against your agency. * I appreciate your attention to this matter and your cooperation in resolving this issue promptly. I look forward to receiving written confirmation of the actions taken within the specified timeframe. If you require any further information or documentation, please contact me at the email address provided below.Thank you for your immediate attention to this serious matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 05/30/2023 | Yes |
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| Navy Federal keeps taking money out of my personal Navy Federal account and applying it to their Navy Federal Credit Card without my authorization because my credit card was around 30 days past due. Apparently, their disclosures allow them to take money out of one 's personal Navy Federal checking account without your authorization if you are past due on their credit card. I have a personal checking account with Navy Federal and also have a credit card under Navy Federal. I have hit financial hardship unfortunately so fell past due on my credit card behind one month. Navy Federal started taking all the funds I had in my personal checking and applying them to the past due amount of my credit card without notification or authorization and leaving me literally with a {$0.00} balance. What is really messed up is this is money I really needed to buy basic necessities - groceries and gas, particularly for my little one. On XX/XX/XXXX, they transferred {$9.00} ( all that I had at the time ) from my checking to my credit card, on XX/XX/XXXX transferred {$200.00} to my credit card, and then again on XX/XX/XXXX transferred all {$110.00} I had in my account to my credit card. All three times they took all the money I had in my checking account resulting in my account having a {$0.00} balance. They didn't even leave me a single {$1.00}. I called Navy Federal on XX/XX/XXXX explaining the situation and stated that I am not trying to get out of paying my credit card, but that I am in a financial bind but have every intention of paying and need a little time. The representative agreed to reverse the {$110.00} if I would agree to start making payments beginning in XXXX so I agreed. I literally just started working with a XXXX XXXX XXXX during this time, but because I was in need of the funds they took, I went ahead and agreed. Over the weekend I saw that a {$9.00} charge was denied, and I was charged a {$29.00} " returned check fee. '' Again the funds were there until they zeroed out my account days before and again gave me no warning. So I called Navy Federal again on XX/XX/XXXX, explaining that I am having a financial hardship, how they keep taking all of my money out of my account leaving me with nothing which is putting me in an even worse bind, and the fact it was all essentially going to interest. The representative ( I believe it was the credit card department ) looked to see if she could refund me back all of the {$320.00} they took out ( not including the returned check fee ) and it was denied. They denied crediting back the money they took without authorization because " I was working with a third party debt agency '' and therefore also would not honor the {$110.00} that they said would be refunded back to me just days before. Separately, the first customer service agent did credit me back the {$29.00} returned check fee before I was transferred to the credit card department. So I guess that's something. I'm not perfect but try to be a financially responsible person and do not try to live above my means for myself or my family including managing my credit cards. My situation is unfortunate and I am trying my absolute best to stay afloat. I just can't wrap my mind around how a bank can legally take funds out of your account, and multiple times at that, without your authorization ( excluding court orders, IRS ) to pay on a credit card. | ||||||
| 11/06/2023 | Yes |
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Web | Servicemember |
| I called my bank ( Navy Federal ) to ask what the safest way to send my money for a product/service provided by a company I wanted to work with was. The agent that had answered from navy federal had stated all third party apps were un safe ( XXXX, XXXX, etc ) and proceeded to say XXXX was the safest. I asked if I could get my money reimbursed in an event where the company did not give the services they promised. He then proceeded to reassure me that I could dispute the XXXX transaction and get my money back in an event where if I got scammed or did not receive what I was promised, promised as in ( the company and I had a contract ) that I could get my money back from XXXX and to just call and dispute it etc. so I decided to take his word and trust him, I mean he worked at my bank of 6 years+ why wouldnt I? That was a big mistake, after a long horrible business service was happening from the company that I sent my big amount of money to had happened he had said we could opt out of the contract and that we were done. I had screen shotted all of the conversations the merchant or business whatever youd like to call them and I had. He threatened me, harassed me with name calling in addition to saying our contract was done. I then called my bank to let them know what happened and to dispute the money and they told me I couldnt and that they couldnt get my money back because it was XXXX. Could you believe that I then proceeded to let them know what the employee had told me from their bank company, they did end up disputing it and requested evidence. No problem I sent all the screen shots I took and the contract from the company/merchant and the texts of him saying its voided etc. I waited patiently for a month plus. Decided to call and get a update they told me it would take 45 days ( its already been 30 days ) and to call back on Monday to get a hold of the debit card department. So I waited more until Monday and decided to call and get a update since Ive waited so long, and given them all the proof needed etc. The bank agent this time then proceeded to tell me itll take up to 120 days to even get a decision on if Ill get my money back. I informed her about their agents fault and she brushed it off like it was perfectly ok and not their fault but in fact my fault. She re assured me there was nothing they can do but wait for the scammer companys responses, even though they have the contract and texts from the company saying that it was voided and no longer valid. Also in addition to the fact I would have never sent my money at all if I knew that no payment service was safe the only reason Im in this situation in the first place was because the bank agent re assured me my money was safe if it got scammed and that I could dispute it. My money is just gone the bank wont give me any specifics on the process or whats happening Im supposed to just be sitting here waiting for my big amount of money but still pay off the loan. I did in fact pay for it with money I got loaned from the bank. So Im still having to pay for my expenses and day to day living but also the loan for the money that I havent touched and that got scammed from me. The whole situation is so unfair the big bank picking on their customers when its not even me at fault its them for their employee misleading/ lying to me and resulting in myself losing out on a lot of money and time. | ||||||
| 12/02/2021 | Yes |
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Web | Servicemember |
| NFCU put my personal information at risk and I feel I was discriminated against, being a XXXX XXXX small business owner that was in the process of shutting down businesses due to the XXXX incurring business losses that were no longer applicable or should have been used against me to refinance my existing NFCU loans. Applied for refinance loan XX/XX/XXXX with a credit score in the 700s, a debt to income ratio of 31.8 %, {$160000.00} in cash reserves in the bank. Refinancing my two loans with NFCU, a XXXX VA XXXX 3.125 % rate with a loan balance of {$250000.00} and a monthly payment of {$4000.00}. Second loan is the XXXXC XXXX 4.000 % loan balance {$280000.00} with a monthly payment of {$2800.00}. The total monthly payment for both loans with Navy Federal Credit Union is {$6800.00}. The refi loan I applied for and received conditional approval on XX/XX/XXXX at 1.75 % @ {$540000.00}. A month later I received a denial letter from NFCU due to Income insufficient for amount requested. I called in to request to talk to someone and was told I could do an appeal letter but was not allowed to talk to a XXXXP or XXXX. I was denied due to my XXXX XXXX and bXXXX XXXX in XXXX. I sent in an appeal letter providing information as to the decision to sXXXX XXXX XXXXs due to the XXXX and going back to full-time employment in corporate XXXX in XXXX. NFCU had my bank account balances, my regular full-time paychecks, rental income, and my XXXX XXXX pay which equated to {$210000.00} annual salary for a {$540000.00} XXXX XXXX XXXX at 1.75 % expected monthly payment is estimated at {$5700.00} which is {$1100.00} LESS THAN what I pay on time every month to NFCU now. It makes no sense that a bank or credit union who states on their website - Compassionate service goes beyond knowing your name and rank. It's understanding and caring about what's important to you. That's why we're truly dedicated to yow overall financial well-being and helping you achieve what you want in life.2. We Put Members First- " Helping members reach their goals with the best products and service possible is what we do. '' THIS IS FALSE ADVERTISING. NFCU is more focused on profits and sticking it to members. That is the only thing that makes sense when you look at the numbers and the XXXX ratio which is well below the guidelines. On XX/XX/XXXX i received an additional communication from NFCU- This borrower was denied due to the significant Schedule C loss reflected on his XXXX tax returns from a LLC in the amount of $ XXXX. In his appeal letter he states the business is no longer running- can he provide documentation for the dissolution of the business. I provided the dissolution docs but also the XXXX & XXXX showing the loss was due to Cost of Goods ( sale of a home ) and I also turned in the business tax returns. Again, this is XXXX XXXX and business losses and is no longer applicable. FURTHERMROE, NFCU shutdown access for me to send my two appeals letters and supporting documentation via the secure Online portal and made me email them everything which is NOT secure and put me at risk to Identity theft. I tried several times to talk with a XXXX, a XXXX oXXXX XXXX and was denied each time and no one from NFCU would address the lack of security for my information and provide access to the secure online portal. Everything was done via open unsecure email from XX/XX/XXXX to XXXX XXXX | ||||||
| 08/09/2016 | Yes |
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Web | Servicemember |
| I bought my current house using Navy Federal Credit Union ( NFCU ) in XX/XX/XXXX using what was called a Veteran 's choice loan. It offered the same benefits of a VA loan, but with no origination fees and less cost. I later added a XXXX mortgage to pay off some other debts. I was only behind twice on payments, once while getting a divorce and once after becoming unable to work and waiting for the VA to grant my XXXX. I am a XXXX Veteran now. I drastically need and have needed to do a refinance, both to lower my payments and interest, but to cash out some equity. My wife has been having XXXX since XX/XX/XXXX and I needed some funds to pay for her medical bills. I first talked to a loan officer at NFCU by contacting him through the NFCU website. He told me that I would be unable to use a VA Loan until XX/XX/XXXX. The reason is that although I was in contact with NFCU while behind on my mortgage XX/XX/XXXX, and they said they would give me a two more weeks to pay my past due, they turned my house over for foreclosure. I had already told them I had been awarded XXXX and would get backpay to cover my past due, but had not gotten the deposit yet. By doing this, I had to pay their law firm a {$500.00} fee. This foreclosure action, although I settled the past due within 3 days of getting turned over for foreclosure, now prevents me from getting a VA Loan until XX/XX/XXXX. Then I tried to do a HARP loan through XXXX. I ca n't do a HARP because when Navy Federal sold my loan to XXXX XXXX, they were required to put credit enhancing insurance on the loan. I ca n't seem to get anywhere with either place to drop this insurance, but ca n't get a HARP loan until it is dropped. Then, I called NFCU to check on other options as a last resort besides waiting until XX/XX/XXXX. I filled out a application on the phone for a 3 year ARM and was pre-approved with after a credit check for the deal, albeit with a slightly higher rate and fees than I wanted. This would at least buy time to get past the XX/XX/XXXX window of opportunity and get a minimal amount of cash out for my wife 's medical expenses. They told me a loan officer would be in touch very shortly. After waiting a few days and then over the weekend, I called the customer service number. I was told by that person, I would be contacted shortly by the loan officer. I could tell by the tone that something was wrong. The loan officer called. I do n't remember her name, but she called from XXXX, Florida. She said my loan was turned down because of my past bankruptcy which is well over 5 years old. I then called customer service again and the gentleman I talked to was very rude and actually told me that NFCU would never lend me money again because of my bankruptcy and involved a write-off of a vehicle loan and that my income , XXXX by the VA was an issue. They also took my last {$25.00} dollars the previous week for a credit report. They told me I qualified on the phone for the ARM and then denied me because of information they knew at the time of application, which was my bankruptcy and VA XXXX. This seems like a violation of the fair lending act, possibly the XXXX and is surely unethical and bad treatment of a person that was XXXX serving my country. I think it is shameful the way that they treated and treat me, based on the fact that their base clientele is XXXX XXXX Personnel and their families. | ||||||
| 02/07/2019 | Yes |
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Web | Servicemember |
| NAVY FEDERAL CR UNION View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$11000.00} Balance Updated XX/XX/XXXX Original Balance {$16000.00} Monthly Payment - Past Due Amount {$11000.00} Highest Balance - Terms 72 Months Responsibility Individual Your Statement **CONSUMER STATEMENT** DELINQUENCY DUE TO EXTENDED UNEMPLOYMENT. Comments - Contact Information XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX FP XXXX FP XXXX FP XXXX FP XXXX XXXX FP XXXX FP XXXX FP Apr FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX XXXX FP XXXX FP XXXX FP Apr FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$4000.00} Balance Updated XX/XX/XXXX Original Balance {$4000.00} Monthly Payment - Past Due Amount {$4000.00} Highest Balance - Terms 60 Months Responsibility Individual Your Statement **CONSUMER STATEMENT** DELINQUENCY DUE TO EXTENDED UNEMPLOYMENT. Comments - Contact Information XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX FP XXXX FP XXXX FP XXXX FP XXXX XXXX FP XXXX FP XXXX FP Apr FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX XXXX FP XXXX FP XXXX FP Apr FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 101 % Balance {$5000.00} Balance Updated XX/XX/XXXX Credit Limit {$5000.00} Monthly Payment - Past Due Amount {$5000.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement **CONSUMER STATEMENT** DELINQUENCY DUE TO EXTENDED UNEMPLOYMENT. Comments Credit line closed-grantor request-reported by subscriber Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX FP XXXX FP XXXX FP XXXX XXXX FP XXXX FP XXXX FP Apr FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX XXXX FP XXXX FP XXXX FP Apr FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP XXXX FP | ||||||
| 02/10/2023 | Yes |
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Web | Servicemember |
| 15 USC 1681 b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. The following agencies are reporting and recording nonpublic information including reports containing transactions history and experiences between myself and financial institutions making the reports, adverse action not pertaining to a conviction of a crime, on my consumer file without my permission or consent : XXXX, XXXX, XXXX. These actions are a direct violation of 15 USC 1681b permissible purpose and 15 USC 1681c information contained in consumer report, 15 USC 1681e compliance procedures has also been violated that no consumer reporting agency may furnish a consumer credit report to any person if it has reasonable grounds for believing the consumer credit report will not be used for purposes listed in 1681b. The action above, taken by the consumer reporting agencies are also violating the Privacy Act of 1974 and the Fair Credit Reporting Act. Title 5 USC 552a ( 4 ) defines what a record is, vividly describing a consumer credit report and 5 USC 552a ( b ) sates the conditions of disclosures pertaining to those records that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. This law ( 552a ( b ) ) is in correlation with 15 USC 1681b ( a ) ( 2 ) which again is being violated. The financial institutions and credit reporting agencies XXXX, XXXX and XXXX did not and do have my consent to furnish, report or record this information and most certainly do not have my written consent. Any and all consent whether implied, assumed, verbal, nonverbal or any of the like is revoked and all unauthorized reported or recorded nonpublic personal information shall be removed immediately. 12 CFR 1016.1 purpose and scope governs the treatment of nonpublic and personal information about consumer by the financial institution. ( 1 ) requires a financial institution to provide notice to customers about its privacy polies and practices. ( 3 ) states financial institutions must provide a method for consumers to prevent disclosing information to nonaffiliated third parties. This opt out method must be clear and conspicuous and must accurately reflect privacy policies to the customer/consumer before any disclosing of nonpublic personal information about the consumer to any nonaffiliated third party in accordance with 12 CFR 1016.1 ( 1 ) ( 3 ), 12 CFR 1016.4 ( a ) ( 1 ) ( 2 ). 12 CFR 1016.7 states the form of opt out notice to the consumer must be clear and conspicuous and accurately explains the right the consumer has to opt out and which reasonable means the consumer can do so. I, the consumer does not recall receiving from Navy Federal Credit Union XXXX XXXX XXXX. XXXX, XXXX Bank a clear and conspicuous notice of my rights which accurately explains my rights and a reasonable means to exercise them. These actions are direct violations of the laws stated above. Lastly, 12 CFR 1016.7 states a consumer may exercise the right to opt out at any time. I the consumer, am opting out any and all your reporting services permanently. | ||||||
| 11/07/2022 | Yes |
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Web | Servicemember |
| Since XX/XX/2022, ( 4 ) official, registered mail notice letters have been sent out to XXXX - Federal Loan Service Provider, XXXX XXXX XXXX, XXXX, XXXX and Navy Federal Credit Union. regarding clear and factual violations of FRCA ( Fair Credit Reporting Act, 15 USC 1681a ), specifically, section 603 ( 2 ) ( A ) ( i ) ; EXCLUSIONS. All four entities mentioned have either refused to respond in writing and/or have blatantly refused to comply with the above federal statute and provision, by continuing to submit data to all three credit bureaus- XXXX, XXXX & XXXX XXXX which includes " ... transactions or experiences between the consumer/myself ) and the person making the report ( credit & loan providers/servicer ) . '' To be more specific, " ... transactions or experiences, '' include data/information, which openly discloses to the public, without implicit authorized permission granted by the consumer, 1 ) exact dollar amounts and 2 ) detailed payment history, by which my US Senator XXXX XXXX Office confirmed to me in a phone call, to wit, " ... a clear, concise and non-ambiguous categorized, textual interpretation of the FRCA, under Exclusions, as read under section 603 of the FRCA. Subsequent conference calls with each respective legal compliance of all three national consumer credit reporting bureaus confirmed that I should submit a request to all entities whom are reporting and sending this data to the credit bureaus, " THEY SHOULD CEASE AND DESIST FROM SUBMITTING SAID DATA- i.e. dollar amounts and payment history ; as part of their reporting requirements of existing, active and non-active accounts. The preceding phone call was, in fact, an admission by all three credit bureau legal compliance departments, as to their complicit, knowing and willingly cooperation, as co-conspirators towards on-going violations of section 603 of the FRCA, imposed upon every single consumer within the United States of America XXXX All three credit bureaus confirmed to me on the same call that if the data is not submitted and placed onto my consumer report, the algorithms used to generate an accurate and fair XXXX score would reveal a XXXX score between XXXX points higher than my current XXXX score. Willful, intentional and knowingly reporting dollar amounts and payment history negatively affects XXXX scoring results to reveal actual creditworthiness, which is racially prejudicial, biased and discriminatory, along with a potential violation of Data Privacy Laws and Consumer Privacy Laws, in conjunction with willful and intentional FRCA violations. Continued reporting and submission of this data by my creditors, to-date and retroactively have and continue to expose me to financial losses every single week. NFCU legal department also sent an email to me, stating, they would continue to send this data to the credit report bureaus, even as their own internal policy, under Credit Reporting, clearly stipulates, that reporting to the credit bureaus is discretionary and not mandatory requirement. NFCU effectively admitted in writing in an internal email to me through the secure e-messaging platform, they were choosing to continuing discriminating against me, even though their internal bank policy allows for discretionary, at-will treatment of issues and concerns brought to their attention. XXXX XXXX XXXX and XXXX have not responded, to-date. | ||||||
| 09/20/2023 | Yes |
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Web | Servicemember |
| In accordance with the Fair Credit Reporting Act Navy Federal Account # ( closed account, account number unknown at this time ), has violated my rights. Privacy Act of 1974 and 15 USC 1681 Section 602 States " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under teh following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial instituion and teh Consumer reporting agencies XXXX and XXXX do not have my verbal/nonverbal consent to furnish this information and they definitely do not have my written/unwritten consent. And and all consent to XXXX and XXXX ( Furnisher of information to credit agencies ) whether it was verbal/nonverbal, written, implied or otherwise, is revoked. 15USC6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option, not only that, but 15USC1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15USC1681s2 states Reporting information with actual knowledge of errors, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Not only that, but this account was reported as a " charge off '' from the originator. 15USC1681 backs this that, Charge offs are considered income and income can NOT be reported on credit reports. 12CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. I am opting out of your reporting services. | ||||||
| 06/19/2017 | Yes |
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| On Friday XX/XX/XXXX, I received a call for XXXX with XXXX XXXX XXXX asking to make arrangements to pick up my vehicle. I explained to XXXX that my vehicle has been paid off for several years. XXXX advised me to talk to my counselor at Navy Federal Credit Union and he 'd give me until Monday or Tuesday before he comes to pick up the truck. On Monday morning XX/XX/XXXX I spoke with XXXX XXXX in collections at Navy Federal who affirmed that I owe over {$34000.00} ( according to his records ) on the loan for my truck. XXXX XXXX said the truck was refinanced thru Navy Federal in XX/XX/XXXX and charged off in XX/XX/XXXX. I told XXXX XXXX that he is mistaken and I never refinanced my truck. I asked XXXX XXXX to give me a copy of the loan documents or anything verifying the debt. He told me that he had no audit information and demanded that I make arrangements to bring in the truck. He said he 'd settle the balance if he can get a lump sum for selling the truck. I told him his information is errant and asked to speak to his supervisor. He transferred me to his supervisor and I let a message for her ( XXXX XXXX ) to give me a call. I immediately called Navy Federal back to try to talk to someone else who could explain and verify the debt they are alleging I owe. I spoke with a gentleman ( I did n't get his name ) in the loan service department. The gentlemen looked at the documents available and told me he would send what he had. He sent ( via email ) a copy of the original promissory note that I signed for the truck in XX/XX/XXXX. I asked the gentleman if he could send the promissory note or documents for the " refinance '' loan that XXXX XXXX mentioned. The gentlemen said the did n't see any other documents and I should check with the personal finance department because they would have the documents ( promissory note ). I spoke with XXXX in the personal finance department and she gave me more information. XXXX said the refi loan was a " combo consolidation '' loan which consolidated the truck loan and a credit card balance with Navy Federal accounts. I told her I am 100 % certain I did not agree to or sign for that consolidation. I asked her about the terms of the consolidation loan ( terms, payments, interest, etc. ) and she did n't have that information. I also asked for for copies of the loan documents, specifically the promissory note that ties my truck to this alleged {$38000.00} balance/debt and she said she will check with her forms department and send what she have. She said she found the application for the refinance but not the note. I told her that the application does n't verify the debt, only that I applied. She explained that " if I applied for the debt, a counselor explained the terms. '' I told her I do n't remember applying for the debt but I absolutely know I did n't sign a promissory note for over $ 38,000+ to refinance my truck. XXXX said the forms department would send the documents but the only thing I received so far is the original promissory note dated XX/XX/XXXX and an application dated XX/XX/XXXX. I have yet to receive a copy of a promissory note other than my original note. To recap, XXXX XXXX XXXX is trying to seize my truck based on a note that Navy Federal can not produce because it does not exist. I never agreed to refinance the original loan and I paid off the loan several years ago. | ||||||
| 02/11/2021 | Yes |
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Web | Servicemember |
| I believe Fact, Affiant is aware and has proof in attachment labeled as exhibit A that NAVY FEDERAL CREDIT UNION violated 15 usc 1692 ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number ofpersonaI bankruptcies, to marital instability, to the loss of jobs, and to invasions of individuaI privacy. I have been abused by NAVY FEDERAL CRED IT UNION by their debt collection practices & also they invaded my right to privacy has been invaded. I believe Fact, Affiant is aware and has proof in attachment labeled as exhibit C that NAVY FEDERAL CREDIT UNION use my credit card 15 use l 602 ( i ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. I entered into a consumer credit transaction with NAVY FEDE RA L CREDIT UNION on XX/XX/2020. I believe Fact, Affiant is aware and has proof in attachment labeled as exhibit C that NAVY FEDERAL CREDIT UNION violated 15 use I 602 ( p ) The term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, imp li ed, or apparent authority for such use and from which the cardholder receives no benefit. I did authorize the use of my card but, I am not benefitting from the consumer credit transaction because NAVY FEDERAL CREDIT UNION attempting to collect on an alleged debt not owed by the cardholder, consumer, original creditor and natural person. I believe Fact, Affiant is aware and has proof in attachment labeled as exhibit B pursuant to 15 use 1611 ( 1 ) gives false or inaccurate information or fail s to provide information which he is requ ired to disclose under the provisions of this subchapter, or any regulation issued thereunder, NA VY FEDERAL CREDIT UNION has willfully and knowing used my credit card without me benefitting and continues to do so after receiving 1st affidavit around XX/XX/2020. Fact, Affiant is aware and ha s proof in attachment labeled as exhibit A & B that NAVY FEDEAL CREDIT UNION violated 15 use 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and. Logos and language used throughout the content sent to me. This is my 2nd affidavit of truth that has been served to Navy Federal Credit Union. I never received a reply back besides a note on my account stating " Your account information is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt ''. That is very deceiving when their is a balance and being reported to credit reporting agencies. When pursuant to 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; NAVY FEDERA.L CREDIT UNION stated and invoice me stating I owe a debt after using my credit card also reports it to credit reporting agencies shown in exhibit C. | ||||||
| 06/02/2021 | Yes |
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| On XX/XX/ XXXX XXXX I XXXX XXXX XXXX grandson ) who takes care of all Gisele haneys ( grandmother XXXX financial situations called in regards to my elderly grandmothers account accompanied with my grandmother on the phone aswell. We were attempting to get my grandmothers pending balance let go early ... .. but however they take forever to answer..they tell u they need information before opening up accoun which is normal..but they have a real shifty attitude like they do not want to work ... seems as if they are rushing u ... .and the reason for this is because they blatantly hang up and put u on a survey that was not asked for ... ..the call that was made was infact for an emergency that we have going on so we were trying to get funds earlier but the customer service representative that was spoken to was not that good at her job ... .I talk to three people within 10 min and nothing has been resolved..they have my grandmother crying and confused on why they can not give her information on her account ... because some reason of she needs to come in to verify ... but as stated to the operator she can not under doctors orders because of covid 19 and the fact she is over 80 yrs old ... .she was impatient and irratated when talking to my grand mother ... .then the operators sends u to a survey without saying anything.called back 2nd time ... the operator that was on the first call tries to interfere with the 2nd call and tells this new operator somethkng ... and now this operator is saying the same thing the first operator was ... they were trying to run a scheme or something because why are operators remembering customer and not letting issues get resolved if they do not know how to handle it..instead pass on ur non intelligence to someone else so they can say the same thing and try to end the call quick by again sending us to a survey.. which is extremely disrespectfull..especially when we have an emergency and had a pending balance thats there but were told is not ... so the second operator thats being coached or told to say the exact same thing without trying to resolve the problem deeper and actually do there job instead of trying to take a easier rout of one syllable answer ..yes no yes no yes no ... .they hang the phone up again and send people to a survey ... my grandmother and I feel neglected..not to mention the fact she has been with XXXX XXXX for over 30 years ... .my grandmother is elderly over XXXX a XXXX surviver and under the doctors order of staying the house do to Corona virus she's told she has to goto the branch in order to get questions answered which is blowing my mind ... then I call for a supervisor and this is the 3rd call within ten min ... and the so called supervisor that I do not think was the actual supervisor will not tell me her name so I can call somebody above her and get the issue resolved because as stated before we are in a emergencies as of now and need funds.but nothing we asked was answered or accomplished ... ... ..very bad service..need to terminate all the peice of shhh..people working for a check and not to help customers ineed ... Outta three operators only. Got one first name without a last name ... .poor poor poor ... .very sad ... make my grandmother think about changing banking because of non servicing service representatives of the navy federal credit union.. | ||||||
| 07/13/2022 | Yes |
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Web | |
| I began applying for a loan on or about XX/XX/XXXX with Navy Federal Credit Union. I was assigned a loan officer. From the first time I spoke with her, I detected her uncertainty about the loan process as evidenced by her vague answers to my questions. On a subsequent call this loan officer was distracted by a child in the background, and had to rush through the conversation with me. I was asking her about what other documents were needed, and she said I will review your file, and sent you an email about what documents are needed within 2 hours. I specifically told her that I was gathering proof of my rental income, that I receive from XXXX properties that I own, and I was told by the loan officer I think your employment income is enough, I will let you know if I need proof of any other income. In hindsight I realize that statement was probably made in a hurried attempt to end the call in order to tend to the child that was distracting her. This was our second and last conversation. I never received anymore requests for any addition documents. Approximately 3 days later, at XXXX on a Monday morning, I receive a denial package email. Reason for denial insufficient income to pay my debts, and delinquent accounts. I have no delinquent accounts. To add insult to injury the email went on to show that my application had not even gone through the entire review process. It appears that it was just a blanket denial without any merit. I am aware of another XXXX individual and member of XXXX that applied for a mortgage, earlier this year that met all criteria to qualify and was denied without merit. That individual was then approved by another lending institution within 1 week for a loan with the exact documents presented. I later read several articles about XXXX XXXX being investigated and ordered to pay fines for discrimination against XXXX people. One article even mentioned that XXXX XXXX was 110 times more likely to deny XXXX people My case is classic case of XXXX discrimination. Let me give you some history of me and my relationship with Navy Federal Credit Union : XXXX. I have been a member of NFCU since the mid XXXX XXXX. I have paid off a NFCU personal loan of {$14000.00} XXXX. I have paid off XXXX cars with NFCU XXXX. I have a small business checking and savings account with NFCU XXXX. My employment income is deposited in NFCU XXXX. Rent from one of my properties is deposited directly in NFCU. I receive rental income from XXXX of my properties XXXX. The mortgage from the home that I want to refinance has an automatic monthly payment drafted from NFCU XXXX. I have a NFCU credit card with a {$15000.00} line of credit with a XXXX balance as I have paid it off almost 3 times over when balances were {$8000.00} or even {$14000.00} XXXX. My credit score ranges from XXXX to XXXX according to NFCU periodic calculations XXXX. My debt is approximately {$5000.00} a month while my monthly deposits to NFCU are over {$20000.00} a month. ( Enough to pay my monthly debt 4x over ) XXXX. My W2 s from XXXX and the IRS transcript obtained by NFCU reflect that I earned over $ XXXX XXXX. Current check stubs submitted to NFCU reflect that I have already earned $ XXXX for the first half of the year XXXX. I have worked the same line of work for 28 years * What other qualifying factors are you looking for? Sent from my XXXX | ||||||
| 01/22/2016 | Yes |
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Web | Older American |
| I submitted application for an equity line of credit to Navy Federal Credit Union XX/XX/2015. I requested {$120000.00} to renovate my home. After submitting all documents I was told that I would settle by XXXX. The appraiser came out and asked did the lender know the amount of work you needed done? I said yes, that is why I asked for {$120000.00}. I started demonishing it myself but it was to much for me. The Appraiser said he would not be able to do it then and needed to talk to the lender. A week later the appraiser arranged to come back out. He was told to proceed with the appraisal. The XXXX asked for a contractors bid to do the work and I gave him the first written estimate that I received. I received estimates from at least XXXX different contractors but they were initially verbal. The estimates ranged was {$80000.00} to {$190000.00}. The lender called and needed to verify my insurance as XXXX XXXX so I bridged Navy Federal Credit Union with XXXX XXXX at which time they verified my insurance. Navy Federal asked them to place Navy Federal Credit on my policy and they requested the declaration page showing them on my policy be sent to them. I asked does this mean I have the loan and I was told, '' yes ''. I received voice messages on my phone days later from my loan officer asking me to call him. I was in school and after seeing four calls from him was able to manage a few minutes to return the call. I was told the money would be AVAILABLE after the work was done. I went to a local branch of Navy Federal Credit Union and spoke to the mortgage contact their who made a call to the equity group. I took the copy of the appraisal with me and initially the local contact saw what I did. The appraisal with value on the front page and then confirmed again on the second page. I sat in front of her as she talked to the person on the other end of the phone line. She was flipping through the appraisal and said " Oh, I see it now '', She then told me the appraiser wrote it up for me to get the money after the work was done and the value was only {$100000.00}. I stepped out of her officeand called the appraiser on the phone. He answer and I explained who I was and that Navy Federal said I would get the money to renovate after the work was complete. The appraiser explained that Navy Federal told him to write ithe appraisal up that way. This was being stated as I sat back down in the Navy Federal 's person 's ( Ap 's ofc. She shouted out we did not and would not tell you how to write the appraisal. The appraiser asked who are you and she told him. His reply was that she should not be talking to him. She walked out and came back to her ofc where she left me about XXXX min 's later with the approval letter in the amount for {$120000.00}. I contacted the manager of my intake worker who said he would see if anything could be done for money now and he would get back to me. He contacted me and asked if I had disclose initially the amount of work needed? I replied again, yes and why else would I need {$120000.00}. The manager then said he would have to check with his manager and nothing further was done. I got a call a week after that and it was the initial contact person with Navy Federal asking me to provide my XXXX. I said that I provided my taxes and it was a discussion for the next level which he was also aware. | ||||||
| 09/10/2022 | Yes |
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Web | |
| On XX/XX/2022 I applied for credit card through Navy Federal Credit Union after the application was accepted I received an approval for {$500.00} on a credit card. I immediately contacted Navy Federal due to the fact that the credit limit they placed on the accepted credit card was unfavorable to me the consumer. I was informed by agents that I must contact them through their phone app in the message center where I would receive assistance with the matter. I then contacted them through their requested medium only to get told that due to their " policy '' I only qualify for a {$500.00} credit limit. I then informed Navy Federal of the fact that credit is a right not a privilege and they must provide me with a valid explanation as to why the credit limit was such a low number. I was told that I " may apply for a credit limit increase at any time, however I must wait three months to do so or else it won't be approved '', I then sent an extensive message informing Navy Federal that I was in fact being discriminated against in which they turned around denied my claims. I for a fact know that there is no valid or specific reason to why I am being treated less favorably than other applicants due to the fact that I did not find any rule or stipulation that applies to me the consumer in Navy Federals policy. I also come from a community where close friends and associates also bank with Navy Federal and as applicants have received up to {$20000.00} credit card limits with lower credit scores, credit history, payment history and even negative factors on their consumer reports. Navy Federal claims that they are being fair but fail to provide a valid reasonable explanation for the adverse behavior towards me. My consumer reports are spotless and the company they look at to evaluate XXXX is reflecting an XXXX XXXX score. I also can't seem to understand how or why I would be treated this way as I am in fact the Original Creditor 15 U.S.C. 1602 ( g ) using my credit card 15 U.S.C. 1602 ( l ) to extend credit to Navy Federal in order to create an accepted credit card 15 U.S.C. 1602 ( m ). How can you place a limit on something that doesn't belong to you and you didn't create? This is a clear case of discrimination according to 15 U.S.C. 1691 ( a ) as I am not being considered as an applicant for exercising my rights under the consumer credit protection Act. This misconduct has caused me to be restricted in my everyday activities and being able to properly provide and take care of my family in this Hyper-inflationary period. This situation has also caused me to lose faith in Navy Federals ability as a financial institution and made me realize that no matter how dependent these financial institutions are on the American consumer they ultimately just use you for a transaction and throw you in the trash like waste. I write this in hope that my concerns are taken seriously, respected and addressed. I hope to amend our relationship and correct the previous mistakes and errors committed against me the consumer. The message confirmation number # XXXX can be used to locate and reference the conversation between myself and Navy Federal in their message folder. Attached is the screenshots of the messages and a letter that was sent demanding a reconsideration to the terms as they are unfavorable to me the consumer. | ||||||
| 07/13/2023 | Yes |
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Web | Servicemember |
| I put in a fraud claim to Navy Federal Credit Union for charges made on my Checkings account that were not mine on a foreign island I went to for a Scuba Diving trip in the beginning of XXXX of 2023. I was on the island of XXXX, XXXX XXXX XXXX from XX/XX/2023 through XX/XX/2023. The charges began around the XXXX of XXXX towards the end of my trip and ran all the way through the XXXX, 5 days after I had already come back to the United States and blocked my card. I was not notified of these transactions until the XXXX and by then there were numerous transactions on the card. Even after blocking my card, all pending transactions that were not mine were still processed and taken out of my account. I called a representative on XX/XX/XXXX after going through my account and seeing how many transactions were actually made to put in a fraud claim. After speaking with the representative who was helpful and even said himself that the charges looked obviously suspicious, the total amount came out to {$680.00} after separating fraud charges from my actual transactions. I was assured that I would receive provisional credit within the day and in the worst case scenario it would be 10 business days. I patiently waited for the credit to be issued and it never did. I called again on XX/XX/XXXX to speak with a representative that informed me my claim was denied and the only information I got was that after an investigation, no errors were found. I found it unprofessional as I was not even asked to provide any documentation to provide my claim and I had plenty from screenshots to multiple transactions in the same amounts of XXXX and XXXX with an absurd amount of international transaction fees directly under. It was clear that someone was abusing my card information. It was especially evident considering these transactions were still being made days after I was off the island and back in the states. I was also in possession of my card the entire time therefore it did not make sense that there were reoccurring international transactions on my card from an island I was no longer on. On XX/XX/XXXX I made valid purchases in the amount of {$200.00} from an ATM in my city of residence and there were still foreign transactions being made. It simply is not possible for me to be in two places at once. Upon my request to have a second review made into the matter I provided my flight itinerary proving I was already back in the XXXX and multiple photos of charges on my account that were evidently not mine as they were repeatedly in the same amounts at the same location. On XX/XX/XXXX I contacted a representative on the matter and was put on hold multiple times when I asked for a detailed explanation as to why my claim was denied the first time. I later received a message from Navy Federal Credit Union stating that my claim was denied due to discrepancies in the information I provided. However, prior to the second claim no documents were provided and the only information to go off was what the representative and myself spoke about. Today I received a letter stating that again no error was found despite the ample amount of information supporting my claim I provided. It is unjust and I fully believe I was not given a fair investigation and every time I requested detailed information, I was put on hold or given vague responses. | ||||||
| 06/29/2017 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX while out for XXXX 'XXXX XXXX I attempted to use my new credit card to make a purchase and it was declined. I knew something was n't right being that my account was maybe 2 weeks old. I called navy Federal to figure out what was going on and they told me my account had been restricted due to my consumer report with XXXX XXXX XXXX, I asked what that was and they gave me a number to call which I did and found out I had to order a report that takes 30 days to get. So being that all of my accounts including my kids accounts and husbands account were all frozen we followed the necessary steps, waited the 30 days to receive the XXXX report and took care of the items that were on there as I was once scammed and information was stolen, police did nothing, long story short I paid everything off and that banking institution updated that information immediately to reflect that. The items were 2 years old at this point so whatever they needed I took care of in hopes to regain access to my accounts. Well week after week of calling between Navy federal and XXXX I get different responses from the multiple reps with both companies on how things are handled and it has become really frustrating. When you go through so much to get things back in order and start new just to get knocked back again and to get the continued run around between each agency is by far the worst headache. Now today, XX/XX/XXXX well over a month since the accounts were frozen I got a call from Early Warning after leaving a message with the supervisor I which they stated a new process was in place and that Navy Federal should be able to run a new report and see the updates on my consumer file. Other than that they do n't fax anything to a particular department or person anymore as they changed their policy. So I reiterated this information to Navy Federal once the call was done and they stated that XXXX could fax them information and that until they did the accounts would still be frozen. Now I have a checking, savings, credit card, and kids savings for XXXX of my kids at this bank and a checking and saving for my husband ; an opportunity we are afforded for my dads XXXX years served in the XXXX. If this is a vetting system Navy Federal uses why was n't this done prior to approving me for the accounts. I have found in my research that this is something that has happened to hundreds of people. Luckily I had n't depositing my money into these accounts yet as I would have no access. navy federal has not helped me at all in this process but give me a run around as well as XXXX and its frustrating when I have done everything I 'm suppose to do. I received a letter about 2 days ago dated XX/XX/XXXX that my credit card privileges were temporarily suspended due to a late payment that I never knew the due date nor the minimum payment amount for because once again I have no access to my accounts and finally after weeks of calling since XX/XX/XXXX, the rep I spoke with today in regards to the delinquency if I would be charged a late fee, she never answered that but after further looking into the matter she found out that the statements are blocked due to the restrictions. I just want this resolved to get access back to my accounts and I feel like it is never going to happen with both agencies not giving me straightforward answers. | ||||||
| 03/04/2019 | Yes |
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Web | Servicemember |
| I am a member of Navy Federal Credit Union. I made a deposit at the branch located at XXXX XXXX XXXX XXXX, FL on XX/XX/2019 In the amount of {$1900.00}. Prior to depositing the check I contacted NFCU Customer Service and asked a representative if NFCU permitted members to deposit a check that was made out to their husband, if both me and my husband endorsed the check. She confirmed that WAS acceptable. After depositing the check and waiting the two ( 2 ) required business days for the funds to be available and posted to the account I attempted to log into my online banking to check the balance of my account. My account was LOCKED. I contacted NFCU and they advised me that it would take a additional 5 business days due to the fact that a " review of your account indicated potentially suspicious activity ''. I spoke with a Security Specialist at NFCU as instructed to do in order to regain access to my account. I explained to the Specialist my issue and at that time she was the one that informed me that it would take the 5 additional business days for the check to clear from the issuing bank before my account would be unlocked and funds be available. I asked the specialist if they maybe could contact the issuing bank and verify the account that the check was written from and verify that the funds was in that account, therefor verifying that the check was VALID. She was very rude and told me absolutely no way that she would nor could contact the bank and verify that information. I then waited 6 days and attempted to log-into my account again, IT WAS STILL LOCKED. I contacted customer service to ask why. They contacted me with their security department and at that time the Security department representative wanted to contact the bank that the check was issued from to verify the availablity of the funds in the account and validate the checking account was active. The bank employee DID CONFIRM that the check was both valid, had the available funds in the account, and that the account number was active. So, NFCU had no reason to STILL not release funds OR unlock my account. After NFCU verified the check was valid ( by contacting the issuing bank ) NFCU asked me to send in a copy of both the front and back of my driver 's license as well as my husbands drivers license and a statement stating that my husband ( XXXX ) is authorizing and did authorize me ( XXXX ) to deposit the check. So as requested both XXXX and I signed and dated the letter that XXXX written stating that information. After submitting that, NFCU then informed me that they was not unlocking my account, giving me access to MY FUNDS nor giving me back the check that they refuse ( FOR NO REASON ) to deposit into my account. Upon this all happening to me, I did ask NFCU to allow me access to MY MONEY and to please stop giving me the " run-around '' and informed them that my home was destroyed during Hurricane Michael, I've been having to stay in temporary housing and the funds that they was restricting me access to was money that I could use to help me get my stability back and get into a house. They had no mercy at all, for me NOR my family. We are basically homeless and NFCU is the reason that we are STILL WITHOUT A HOME! I feel discriminated against and most defiantly AM BEING DEPRIVED FROM THE MONEY THAT I AM ENTITLED TO by NFCU. | ||||||
| 07/18/2020 | Yes |
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Web | Servicemember |
| I have had a tremendous amount of issues with Navy Federal trying to secure a VA mortgage and conventional mortgage. I was pre-approved for a mortgage in early XX/XX/2020. I in an abundance of caution reached out to Navy Federal to ensure there would no issues regarding my income. I was assured by 5 people, XXXX XXXX, XXXX XXXX, an underwriter, and two people at the mortgage helpline that the approval would stand based on the honest and accurate information I provided them. I was assured that everything would go through smoothly. I then found a great house, and sent in my purchase agreement on XX/XX/2020. I received the first set of 3-day documents a few days later with the incorrect information. I attempted to reach out to Navy Federal and XXXX XXXX and received no response. Finally, I got a call back about 3 days later, it took them nearly a week to send me the corrected 3-day documents for a total of 10 days to receive them. I was also told the rate was locked which was a lie as it quickly went up later. Things seemed to be straightened out despite no communication from them I though we were moving forward. Turns out nothing had been done on the loan for days. Finally a month filled with 10+ calls a day, and multiple emails and texts I hear back. I submit the same paperwork again because somehow it all got lost. We are now only a few days from closing ( 44 days after the contract was received by them ) and I find out we may not be closing on time. They told my realtor this Friday at XXXX. I get told and it is to late to cancel moving trucks and other things so we pack up and have everything stored at {$50.00} a day. Assuming they would be quick from this point I hear back the next week that they denied my income ( only when I called 7-8 times ). They request more information which is returned in a day and they send it for review again. The underwriter sent my loan information to the VA. Who I later learned does not review these requests ( because I called them ). They had us waiting for days to hear back from the VA even though they don't comment on individual loans. Fed up with the VA and Navy Federal I decided to go with a conventional loan they promised a response within 48 hours and we could close the next week. No such luck. They raised my interest rate nearly a full percent and told me they require an additional 10 % down! I reluctantly agreed because I already invested thousands of dollars and weeks into this process. XX/XX/2020 comes and it is the end of our extended housing contract. I plead with the seller to hold. They have been threatening to walk for over a week now but they want me to release earnest money if we don't close in a week. I can't agree because Navy Federal has dropped the ball at every possible chance and now will be losing the house. My only option is to risk another thousand dollars in order to save the deal. I have reached out to everyone possible at Navy Federal. XXXX XXXX the loan agent, XXXX XXXX the processor, XXXX XXXX the loan agent supervisor, XXXX XXXX the processing supervisor and have gotten next to no progress or responses. I have made upwards of 5 complaints to Navy Federal outside of these people and have received no responses. I am at a loss both figuratively and financially. For those that read this I would avoid Navy Federal at all cost! | ||||||
| 04/20/2023 | Yes |
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Web | Servicemember |
| My husband who I am now legally separated from, got a personal loan originally for {$8000.00}. I was co-signed onto the loan XX/XX/XXXX and an additional {$4000.00} was added onto the loan, so a total of {$12000.00}. The only reason I agreed to signing this loan is because I was being severely abused by his parents while I was pregnant and didnt have any other options, as I was living with them, and needed to obtain housing elsewhere. I left my husband due to XXXX XXXX in XXXX of XXXX. There is an open investigation in the city of XXXX XXXX and Id be more than happy to send this information over to Navy Federal to prove the validity of my statements. I made Navy Federal immediately aware of my situation and had been in contact with them throughout XXXX and XXXX that I was facing a lot of struggles as a single mother, on top of financial hardship. I have been diagnosed with XXXX and XXXX and it is not uncommon for stuff like this to become difficult to remember or even resolve. The last XXXX years have been very traumatic for me. The personal loan payments a month were over {$350.00} and I couldnt afford to pay that. My husband originally discussed with me that he would take on the responsibility of paying off the loan. I believe it was put in our temporary orders. I dont know when, but at some point he stopped paying on the loan. I recently started getting emails to settle the account. I never received any detailed information that the account defaulted or that I was at risk for right to offset. I feel as Navy Federal didnt give me sufficient information or make reasonable attempts to contact with me to speak to me about this. I received my tax refund on XX/XX/XXXX. I had {$6000.00} in my account, and not even a few hours later, Navy Federal emptied my entire account. I called their collections department and they refused to help me at all. I told the manager that I am depending on this money. I am between jobs right now and have a XXXX XXXX XXXX at home, and that this could make us become homeless. I cried to her and asked if there was anything that she could do to even get a portion of it back and then we can set up monthly payments. I asked for any solution, any leeway. She did not empathize towards my situation at all or have any solutions. She was cold and kept repeating herself and told me it was my fault, Im responsible for the loan, and if I wouldve contacted Navy Federal before they took the money, then they could have helped me. She said there was absolutely nothing they would do to help me. I only received XXXX emails from Navy Federal. Ive recently made contact with Navy Federal over the phone for various reasons and over the last 2 years, and it wasnt mentioned to me that my loan was defaulted or at risk for defaulting. They genuinely never gave me any sufficient information to explain this process to me. Since XXXX I have only received XXXX different emails with settlement options. The manager told me none of those options apply now and the money they took from me wont go towards settling because I didnt call sooner, so the remaining balance after this is still over {$8000.00}. The only way she could help me moving forward was to set up payments. I was relying on this money to pay my bills, pay my rent, buy groceries, and give me time to secure better employment. | ||||||
| 07/01/2020 | Yes |
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Web | Servicemember |
| I had 2 micro deposit on XX/XX/XXXX in the amount of {$0.00}, and {$0.00}. I then received my deposit for my PPE loan in the amount of {$20000.00} on XX/XX/XXXX. I made purchases online, and in stores. I also received an email from Navy Federal Credit Union Funds Availability Increase on XX/XX/XXXX at XXXX XXXX. I went into the Branch on XXXX XXXX XXXX XXXX, XXXX TX, XXXX on XX/XX/XXXX @ XXXX XXXX and spoke to XXXX. He looked up my account information with my drivers license and told me he had to call and verify my loan. I stayed at the branch for almost 1 hour and he finally got someone on the line. Whoever he spoke to told him to put a freeze on my account and then he started asking me questions. He asked what is the PPE loan for? What is the name of your XXXX? Why don't you have a business account? I answered and told him this if for my XXXX, I don't need a business account, I use my social because I'm the XXXX XXXX. He then gave me a card with the 888 number to call but I did not know why I was calling so I asked. He said I needed to call that number to speak to someone to remove the hold on my funds. I called the XXXX number and spoke to someone on Saturday XX/XX/XXXX at XXXX, XXXX but representative said the fraud department was closed and neither person could give me a time frame as to when anyone would review my account. I went back to the branch and spoke to the assistant branch manager who said in her experience they will be able to speak to me Monday-Friday. I called on Monday XX/XX/XXXX at XXXX XXXX. That representative told me she see where I spoke to several people and would put a note on my account. It takes 3-5 business day for someone to resolve the issue.Their is a number on the loan they will have to call to verify the loan is mine. I called back at XXXX XXXX the same day XX/XX/XXXX. Another representative told me he would put another note on the account but their is not anything else Navy Federal could do for me. I called on once on Tuesday XX/XX/XXXX at XXXX XXXX. Another representative told me the account was being reviewed but their is nothing more she can tell me besides their is a number on the loan they will have to call to verify the loan is mine. I called today XX/XX/XXXX at XXXX XXXX the representative told me this is Federal and it goes through a process and she could not give me a time frame. I told her I know its federal because all banks receive money through the federal government. She said that to try to intimated me. I then let her know that my XXXX employs veterans who are relying on this money to pay their rent, utilities and livelihood. She then said she could not tell me anymore. I called the loan company and the representative advised Navy Federal will have to call they can not do anything. The loan was approved and processed that's why they verify the account through the micro deposits. This is very disgusting. I'm utterly disappointed from the lack of service I received from Navy Federal. I have someone who is threatening XXXX because I can not pay her and she will be evicted this week. I have over 25 employees who are Veterans imagine the disgust they feel after I told them the funds were available, now I have an complete freeze on my account, and I don't know when I can pay them. This is excusable and unexceptionable. | ||||||
| 10/18/2023 | Yes |
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Web | Servicemember |
| Merchant : XXXX XXXX Date Posted : XX/XX/XXXX Amount {$1000.00} Transaction : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} *Formal complaints filed with XXXX, Texas Attorney General, and FTC , attached as PDFs along with correspondence between me and the merchant. I purchased a mattress from XXXX XXXX last year and it was defective. Immediately, I let them know that the mattress was not what it was supposed to be. 1 ) I was told when I purchased that it was not a Bed in a Box mattress. I asked because I'd heard that they often have issues. 2 ) It never inflated properly and was basically unusable. When I connected with XXXX XXXX in person, they gave me an email address to send pictures to. When I sent the email, I was told that my sale was final and that the manufacturer, XXXX refused exchanges. I went to XXXX to understand why. They said that the sale of the product to another business disconnects them from further consumer issues with the product and that they would not have been contacted about this purchase. When I reconnected with XXXX XXXX, they said that I could exchange the mattress for the same mattress or purchase a more expensive mattress. I told them that I'd rather have my money back as I needed something sooner and I'd already been deceived in person and by phone. Also, Texas state law says that sales on defective products can not fall under " All sales Final '' policies. To date, I have filed multiple complaints with no resolution. I have filed more than one dispute with Navy Federal Credit Union after exhausting all options to rectify the situation alone. They denied my claim because it fell outside of their 60-day policy though XXXX XXXX Core Rule 13.3 allows for 540 days. XXXX Core Rule 13.3 states that for reasons of defectiveness or " not as described '' items, XXXX allows up to 540 days for disputes. They also state that the cardholders expect for their core rules to be carried out by card issuers. My understanding is that In disputes involving XXXX Core Reason 13.3, the merchant ( XXXX XXXX ) may not avoid liability by directing the cardholder ( Me ) to seek resolution from the product manufacturer ( XXXX XXXX ), which they did. Likewise, 13.3 supersedes the merchants ( XXXX XXXX 's ) refund policy, which is what they quoted -- no returns or refunds. This policy is also against the Texas Attorney General 's Deceptive Trade policy. A 13.3 chargeback may also be used when the merchandise ( the mattress ) arrived in damaged condition ( which it did ), or when the cardholder is disputing the overall quality of the goods or services they received. So when the merchant is deceptive, the manufacturer is not to be involved, and the customer goes through 100 hoops to rectify the situation because the card issuer has a policy that discourages chargebacks before attempting to solve the issue yourself, how does a consumer fall within a 60-day policy? And still, when all criteria is met, what would be the reason that a card issuer would not honor the core rules of the servicer? Veterans are a protected class, specifically in the space of deceptive trade practices. I would like to be sure that the companies that I deal with are not participating in taking the business of military members and veterans without providing honest services. | ||||||
| 04/13/2023 | Yes |
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| Hi, I deposited XXXX and another one for XXXX to Navy federal bank on XX/XX/XXXX and XXXX on XX/XX/XXXX all legal refund checks from the IRS because it was refund from my business. All these checks were approved by Navy Federal and was put into my savings account. My account was fine until I attempted to use it on XX/XX/XXXX then I was told that visa has a hold on my account. When I asked bye they told me it was just protocol because of the holidays. My funds immediately was on hold and I didnt have access to it. I called numerous of times to try to understand whats going on. I spoke to XXXX on XXXX and she told me itll take 10 days for them to verify with the IRS that my checks are valid and if they do not hear from IRS after 10 days the funds will be released to me immediately. That was a lie 10 days passed and no funds was released to me. I called back and spoke to another guy in the security department and he told me that thats not how they do things so the person I spoke with miss informed me. He gave me the run around and told me I had to wait 30 days before the funds get to release to me because its such a large amount I waited the 30 days only to find out my account was locked I couldnt get into it and they marked me as fraud for checks that belonged to me from the IRS. I then received a email on XX/XX/XXXX stating that and I Quote Cashier 's Check Confirmation We're mailing the {$76000.00} cashier 's check you requested. Use digital banking* to view updates on your account/transaction history. If you didn't initiate this request or need additional details I did not request the funds to be sent to me via cashiers check or at all. I called and they told me that they sent the cashiers check to me. No problem. I waited a week and it never arrived. When I called back they told me it was sent back to the IRS because they believe its fraud. How could it be fraud and you send it back to the IRS? It started to me no sense. I called the IRS to explain to them what was going on they told me they havent received anything from Navy and that theyll look out for it. I called back and now its been 60 days to check on it and the lady at IRS said it dont take that long its been over 60 days I need to call navy federal bank back to see whats going on. So I did and they told me they are no longer speaking to me about this. So I went to the Long Island branch on Wednesday XX/XX/XXXX and the manager was nice enough to look into and call Navy federal for me. She was told that they cant give her any information on my account but upon looking at the account she was also very confused on what happened to my account and funds and told me that someone really messed up and dropped the ball on my account. I then called again that day to Navy and was told I can not get the phone records I need to get a subpoena and they are no longer talking to me about it. I called IRS again and still they havent received the cashiers check for XXXX that Navy federal said they sent back from my account. Navy federal has stolen all my funds out of my account and I need answers. I will not let this go. I need answers and my funds released to me immediately. I thought it being a federal bank itll be the safest to protect my funds and I was so wrong. Every day I regret depositing my money in this bank. | ||||||
| 12/07/2022 | Yes |
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| I was locked out of my checking account from XXXX through XXXX even after verifying myself and answering all questions to The NFCU security department and my account was placed into a credits only restrictions status. I was not allowed to access my funds, or any information other than my balances. My vehicle along with my identification, check books, cards wallet phone etc were stolen on more than one occasion during this time frame but the security department of NFCU refused to change my code word for my account. Using the same documentation I originally provided to the security department on XX/XX/XXXX, only after complaining to the NCUA, I was told to come into a branch and that they would close my old accounts and open new ones for me. Then I was allowed access to my funds. During the time that my account was on a credits only basis 4 fraudulent checks were cashed through my account as well as some ACH transactions totalling to close to {$3000.00} 2 of these checks were cashed by another NFCU member into their account. Those we're the only two copies of the fraudulent checks I kept being told they could not locate copies for. I attempted to access my funds, I attempted to write checks to my employees as well as pay bills which were all denied due to the restrictions on my accounts. After finally regaining access to my funds and information I submitted a check fraud claim which was over 30 days ago. I have never been contacted for any police reports, questions, concerns, not have I ever received a written acknowledgement that the fraud claim had been received, only after calling multiple times was informed that the document given to me as well as the contact information for submitting the check fraud claim was incorrect and I have never been allowed to talk to the security department and am told there is no one within NFCU that I can address my concerns or get answers to my questions from in regards to reasons why nothing has been done in regards to the check fraud claim. When I first submitted the claim I was told after 10 days I should have an answer as well as provisional credit, after the 10 days I was then told 15 days after the 15 days I was then told 30 days and it has already been more than 30 days and still I have never been contacted, acknowledged or allowed to speak to the security department. Copies of the fraudulently cashed checks were just barely given to me yesterday and the statements from accounts from XXXX through XXXX were just given to me day before that upon which I discovered more Fraudlent activities that took place in my account while it was in a credits only restrictions status. My code word to get into my account has never been changed even though it was requested back in XXXX. My account is over drawn and debt collection correspondences and efforts have begun to be sent to me from NFCU and I am getting reminders that my secured credit card payment is about to be due with NFCU as well. Yet the bank will not return the funds they somehow allowed to be withdrawn from my account fraudulently while my accounts were on a credits only restrictions status and I am still being told by NFCU representatives that they have no idea why this is happening to me but that unfortunately they have nothing and no one they can offer me to help with this | ||||||
| 10/15/2021 | Yes |
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| NAVY FEDERAL CREDIT UNION had no rights or consent to close my open ended credit plan with their company. As the consumer in commerce, I have In good faith, extended my open ended credit to NAVY FEDERAL CREDIT UNION and have done so with confidence that legality and fair measures would be met. According to Federal Law false any misleading information, such as billing amounts that are wrong constitutes Federal violation. Selling your information to other 3rd party debt collection agencies as a fraudulent charge off are a violation to Federal code. NAVY FEDERAL CREDIT UNION as a consumer reporting agency intentionally put derogatory marks on my consumer report such as " late payments '. Congress does not define late payments, so this tactic was used in a detrimental way to the consumer. NAVY FEDERAL CREDIT UNION again had no right to rescind my open ended consumer credit plan as they are not the original creditor of the account. I have not received documentary evidence from their corporation with signature in trust. I demand to see this piece of documentation if it truly exists. According to Congressional code not verbatim, informed consumer credit usage and education will further better the economy and unfair practices shall cripple it. NAVY FEDERAL CREDIT UNION is merely a consumer reporting agency, debt collector and card issuer. I, the natural person, the consumer am the Original Creditor! Below is a list of Federal Code violations NAVY FEDERAL CREDIT UNION has committed I seek immediate remedy and account reinstatement for my self the consumer and original creditor of this NAVY FEDERAL CREDIT UNION account. 15 U.S. Code 1681b. There should be no Publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). Title 18 U.S.Code 1028A on four separate occasions as NAVY FEDERAL CREDIT UNION has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation due to my compromised bank account, I demand a money audit trail in accordance with 12 U.S.Code 5562 ( c ) ( 10 ) NAVY FEDERAL CREDIT UNION is Card issuer, consumer reporting agency and debt collector ( debtor ). Because XXXX is a non-living non breathing entity, they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent credit sale. They have falsified statements, documents and furnished consumer reports stating that their corporation is the " original 15 U.S. Code 1692f.Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt creditor ', yet by law have no right to the extension of living credit to offer the living consumer, myself. I've contacted NAVY FEDERAL CREDIT UNION through multiple attempts. Pursuant of 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditor did not send the statements not later than 21 days before the payment due date. | ||||||
| 07/06/2018 | Yes |
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| The basis for this complaint can be found in CFPB Complaint number : XXXX With that, I'd like to restate my request for the refund of interest over the last four years for the following. Navy Federal Credit Union ( NFCU ) has directly and indirectly admitted that there was in fact a bank error in XX/XX/XXXX. They have validated that they granted a temporary line increase to process a payment. While they did not validate in their response that it was bank policy to inform consumers before granting the temporary line increase, it's very clear that the bank has admitted some level of fault due to their most recent response ( raising the credit limit ). While NFCU states : " The temporary credit limit increase has no impact on the way in which finance charges and late fees are assessed, so the account finance charges and late payment fees are valid, '' I completely disagree. The bank made an error in XX/XX/XXXX - an error which had detrimental impact to my personal credit score across the board. I was unable to buy a car, get new lines of credit, or consolidate my student loans at a reasonable rate. Given the detrimental side effects, I immediately contacted NFCU and informed them that I disputed the card balance, the terms, and the credit line. Additionally, I had also stated that I would not pay the balance until the matter was resolved. Despite my best efforts, NFCU did not follow the Fair Credit Billing Act and did not place the card in dispute status while they investigated the account. Instead, NFCU continued to bill interest, report me late to the bureaus, and charged numerous late fees due to the bank error. NFCU continued to destroy my credit profile by showing an account 125 % over the limit, late, and not in dispute. NFCU did not complete the investigation throughly within the first 90 days of the error being reported. If they had completed the investigation properly, they would have found that there was in fact a bank error and would have resolved it at that time ( It stands to reason that the bank error discovered recently is the same error that existed at that time ). I made it very clear to NFCU that I had the means to pay off the card in full ; however, the bank doubled down and continued to place blame on me at that time. NFCU lied numerous times throughout the process about the credit line increases, their terms, and the internal bank policies ( see previous dispute about the XX/XX/XXXX credit line increase call ). NFCU attempted to claim that I should have known better. I'm concerned about this statement because Temporary Line Increases were an internal bank policy - never once documented in the terms and conditions I received by the card. It's additionally disturbing that NFCU could not immediately process my payment given that they held the money in cash for that payment. While I certainly agree it was my choice to not make payments, pay off the card, or resolve the balance over the last 3.6 years, I must assert that the reason for that is due to the unresolved bank error that has destroyed my credit over the last 3.6 years. Given the bank error, the bank actions, and the overall hardship this has caused, I request NFCU reevaluate their decision of upholding the interest that was unlawfully and unethically charged over the last four years. | ||||||
| 08/26/2019 | Yes |
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Web | Servicemember |
| This will be our 3rd time trying to get this resolved. XXXX, with Navy Federal, has refused to answer EACH question we have and has made no effort to contact us besides their regular collection department trying to get payment from us. 1. We paid the loan off. It even states so on our credit. No where did does it say that there was left over, or anything. When we called to make the final payment in XXXX of XXXX they told us, " Congratulations, you are at the end of your loan, you should receive your title within 2-4 weeks. '' 2. We have asked them over and over to do an audit of the account when they stated that another {$6000.00} was owed on a 12,000 ( original, approx ) loan that we will have been paying on for 9 years in XX/XX/XXXX. They have stated that we've only paid on time 6 times throughout the entirety of the loan, but even according to our credit report, that is NOT correct. We have paid on time way more than that, PLUS they have reported it wrongly for the majority of the loan. We can prove with other parts of our credit report that we have paid our car loans ON TIME, including one of them being perfect throughout the 3 year loan with another company. 3. We have asked them to stop calling my wife, but they have refused to stop calling her, and they have threatened her with bodily harm if she either didn't pay right then or there, or let the repossession tow guy take the car. 4. I have spoken with XXXX ( or XXXX ; didn't get spelling ) with the main corporate office on XX/XX/XXXX at XXXX XXXX PST and explained the issue. Navy Federal has several lawsuits pending against them for reporting to credit agencies wrongly, along with the CFPB ordering Navy Federal to pay XXXX XXXX dollars for improper debt collection practices, including locking people out of their accounts during the time of XX/XX/XXXX and XX/XX/XXXX, which they did to us numerous times, including taking money out of our account without authorization, or telling us that they were doing so, and taking amounts more than was owed. Navy Federal also was ordered to pay XXXX XXXX dollars to settle overdraft fees that were caused by them between XX/XX/XXXX and XXXX XXXX, XXXX, which we were never informed about or told about, and suffered from as well. 5. XXXX, with the corporate office agreed to write off the {$4800.00} on the refinanced loan ( that no one could ever explain to me why we still owed and prove it to me with paperwork ), because she agreed that we have paid more than enough of the loan and have actually over paid, which she was researching to find out how much and to send us a check for the overpaid amounts. We expect FULL and complete cooperation with this and would like them to actually CONTACT us instead of just replying to this complaint as we seem to be getting absolutely no answers that are TRUTH from XXXX with Navy Federal, or anyone else who replies to these complaints. As they can see from the attachments, XXXX XXXX claims of having paid the loan " on time '' only six times from XX/XX/XXXX to XX/XX/XXXX are completely inaccurate and the majority of the ones that are marked " late '' are not late. We are 100 % positive that they are applying our payments late to spite us, or to discredit us with the CFPB and/or anyone else we choose to take this matter up with. | ||||||
| 01/18/2020 | Yes |
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Web | Servicemember |
| Date of all activities : XX/XX/XXXX I received emails from Navy Federal Credit Union that ( A New member-to-Member Account Has been added ) stating that I was the requestor and Payee 's name is XXXX XXXX. I don't know this person and for my understanding it was done online. I don't know how this person had access to my information. Next, on the same day someone applied for a loan in the amount of {$2000.00} using Navy Federal online banking. The loan was approve and had the fund deposit into my XXXX XXXX account. {$1000.00} was withdrawn from the XXXX XXXX and sent to XXXX XXXX $ XXXX ( XXXX XXXX ) and then the other {$1000.00} was sent out within five minutes to the same person. Again, I don't know how this happen and how anyone have access to my bank and XXXX XXXX information. I have my Navy Federal link to my XXXX XXXX. On the XXXX of XXXX I received another email from Navy Federal stating that they need more documents for ( Personal Expense no Collateral ) that was applied for online ; but since that person couldn't provide the documents the loan was denied. Also, that person enter XXXX. XXXX XXXX XXXX for the loan. All my Navy Federal statements is just XXXX XXXX XXXX. My mom and I went to the XXXX, Georgia branch in person ( XX/XX/XXXX & XXXX ) to resolve this problem and fill out fraud paper and was told that the online banking system was down and that they couldn't remove that XXXX XXXX from my account. I travel to the local Sheriff Department ( XXXX, Ga - XXXX County ) and retrieved a police report for this matter. ( XX/XX/XXXX ) I contacted XXXX XXXX support their final investigation determined that my Navy Federal information was link to XXXX XXXX account but they confirm that the payment was not sent from XXXX XXXX balance, it was made from payment source linked to my XXXX XXXX. Therefore, they're asking me to contact Navy Federal to inquire about the unauthorized activities. My mom contacted XXXX, XXXX, and XXXX and placed alert on my social security. Navy Federal has added this to my credit report while this was under investigation. I fax a letter pleading that I didn't do this and had supporting documents that this person added their name to my account. ( XX/XX/XXXX ) Today ( XX/XX/XXXX ) I received a letter in the mail from Navy Federal dated ( XX/XX/XXXX ) that they made a final determination regarding my claim in the amount of {$4000.00} on XXXX XXXX checking account ending in XXXX that no error occurred based on account activity. I'm responsible for the full amount of the claim. Navy Federal stating that I gave a third party my information no I didn't and this unfair and they assume that I'm just XXXX years of age that I did this. This is unlawful and wrong. I have to pay for someone else fraud activity. I know what system was hack but didn't authorize nothing. My mom search through XXXX to see if XXXX XXXX existed and there is one in XXXX at XXXX XXXX XXXX, XXXX GA her DOB : XX/XX/XXXX. This information was on this person page. I need help and some answer ( s ). My ( XXXX XXXX ) ask the lady at the XXXX branch why would they approve for loan online without showing identification and to XXXX year old with no regular job that just started XXXX XXXX. Again, please help me and I didn't authority this transaction ( s ). | ||||||
| 11/13/2022 | Yes |
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Web | Servicemember |
| I am writing this because I was insulted by Navy Federal Credit Union personnel. I went to the branch in XXXX, MD to get a cashiers check. The funds were coming from another bank where I had obtained a HELOC. I can't even hardly get loans without alot drama from NAVY FED anyway, they are always XXXX bent on refusing me for any request, even though I was there XXXX years. These people treated me like a criminal. I waited a the counter while the bank clerk fiddled in the computer for a least XXXX mins in a crowed bank, bfor the holiday. Then I asked XXXX a supervisor who came over and research something and still without any explanation told me to take a seat. I was very upset. Then I was called in the office and NFCU was on the other line with the bank originator of the check. I did not know who the XXXX it was but I was asked to provide my SSN. On a crowded bank over a speaker phone. This is why I went to retrieve the cashier check based on the following NAVY FEDERAL CREDIT UNION Navy Federal Security Zone : Email for XXXX | XXXX XXXX Whoo Hoo! Your Funds Are Available Great news! The funds you recently deposited are available now in your account. Here are the details : {$12000.00} was deposited into your Share Savings account ending in XXXX. As of XX/XX/XXXX at XXXXXXXX XXXX the available balance is {$12000.00}. For more information, please review our funds availability policy. You can always sign in to your account* to manage your money. Transfer funds, view transactions and balances, or schedule a payment with Bill Pay24/7. Our Members Are the Mission Contact Us | Security | Mobile Banking | Privacy Policy Please do not reply to this email. This email is being sent from : Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Navy Federal Credit Union. All rights reserved. NFCU XXXX XXXX ( XXXX ) Federally insured by NCUA. I felt like a criminal.I became and called NFCU and had them online with me. They in turn never explained nothing to me. I was getting names to make a complaint and the security officer was standing so close to me I can feel his breath on my neck while conducting buisness.U asked 4 his name twice he said it sarcastically was " Security ''. I really felt traumatized by the whole scene. I even considered calling XXXX on the security officer. Instead of asking what the issue was getting assumed that I was just causing problems. I was angry and lashed out. Later I tried to file complaints each time I called I was transferred and put on hold so long that I hung up. On Friday I was able to contact somebody who explained to me that it was a new policy that the check would be on hold for 5 days. Nobody said XXXX to me about that and I had called NFCU several times about the status of the check. They were even making mistakes about the deposits on the phone. That IS THE MAIN REASON I CALLED PRIOR TO GOING TI THE BRANCH. I reacted out of humiliation and can't tell you how many times NFCU has treated me disrespectfully even though I am a mever since XXXX. Longer than some of bank clerks ages. I'm writing this because I want a written apology. I'm still upset about this because I use that branch from time 2 time. I am sick of being treated in this manner, like I am not a respected member from NFCU | ||||||
| 10/05/2023 | Yes |
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Web | Servicemember |
| NOTE : The scammer is apparently a mother. She has shown me pictures of herself and her son. She seemed very desperate for help. Please keep that in mind. It all started in XXXX. In XXXX, I was eager to buy concert tickets. It was my first time buying them through a different platform, such as XXXX. I was very naive yet desperate. I meet someone who seems very willing to give me XXXX front row tickets for $ XXXX. That sounds like a deal! PS : XXXX, the main instigator, had XXXX people receive my funds, aka XXXX and XXXX. XXXX claimed she could not receive XXXX payments due to her account being locked, probably linked to her bank account being locked. I dont know. Maybe? Who knows with her. She is a XXXX. However, when I sent payments on XXXX, they kept claiming they did not receive them. I believed them because it was a XXXX and the transactions have not yet reflected into my bank account. Next thing I know, I am missing nearly $ XXXX for a transaction that was originally supposed to be $ XXXX. I was devastated. I lost a lot. They then claimed that their brother in law works for XXXX, and he can get us both our money back since her bank account was locked due to these transactions, allegedly. I said alright because, hey, I get my money back! However, she shared that in order for both of us to receive our money back, we would have to add our own money to balance it out. Keep in mind, I still never got the tickets at this time. I figured since I was in so deep I XXXX as well keep going because she kept reassuring me I will get everything I want in the end. Needless to say, I lost even more. I lost $ XXXX altogether because she kept claiming I will get it back and she needs help because her bank account is also locked. I sent it through XXXX at this time because XXXX blocked me from using their app due to the suspicious transactions. LOL. Seriously? She also has a son and she is married, so I figured she would be more trustworthy. Oh, definitely not. Additional information... I blocked her once since I got fed up with the seemingly endless transactions, yet she contacted me XXXX different ways afterwards practically begging me to help her unlock her bank account. The begging on top of her being constantly reassuring that XXXX get everything on top of her being a mother ( apparently ) was definitely a convincing story. I fell for it, and I lost everything. That $ XXXX was all I had. And guess what? Still no tickets. I also have photo evidence of her admitting that I did not receive the tickets and I paid more than needed. I also filed a police report, however it was rejected due to not filing a police report at my military base first. I just received that news today. I am just sharing that information to show how seriously devastated I am about this. She claims she can not give me any of my money back because it is filed into this transaction involving balancing out. If we did not complete it a certain day, the interest/set limit would increase, which is why I lost $ XXXX. Another day another increase. It was all so confusing. I was the one who was supposed to be gaining something but I was the one who lost the most between us despite their constant yet believable XXXX stories. And guess what? Still no tickets. LOL. Just tears and sadness. | ||||||
| 07/12/2021 | Yes |
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| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX | ||||||
| 06/07/2023 | Yes |
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| According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, Dept of Ed/XXXX , US dept of education XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, Dept of Ed/XXXX, US dept of education XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. | ||||||
| 07/09/2023 | Yes |
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| Dear Navy Federal Credit Union I am writing to express my deep concern and dissatisfaction with the recent denial of my credit application On XX/XX/2023 with your company, Navy Federal Credit Union. It has come to my attention that the denial of my application, without providing specific reasons for the decision, not only violates my consumer rights but also goes against the provisions outlined in the Equal Credit Opportunity Act ( ECOA ) and the Consumer Credit Protection Act. First and foremost, I would like to emphasize that my credit application falls under the scope of a consumer credit transaction intended for personal, primarily family, and household purposes, as stipulated in 12 CFR 1002.2. Therefore, I have the right to be treated fairly and without discrimination during the application process. According to the ECOA, a creditor such as Navy Federal Credit Union, is prohibited from taking adverse action against an applicant on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. I am deeply concerned that my denial of credit appears to be in violation of this fundamental principle. Furthermore, the denial of my credit application without providing specific reasons is unacceptable. According to the ECOA, creditors are obligated to disclose the specific reasons for adverse actions taken against an applicant. It is not sufficient to merely state generic reasons such as length of time accounts have been established or amount owed on accounts is too high. As an applicant, I have the right to receive clear and detailed explanations regarding the factors contributing to the denial. Additionally, I must highlight that the mention of lack of recent installment loan information and too many inquiries in the last 12 months as reasons for denial appears to be discriminatory and unfair. These reasons do not accurately reflect my creditworthiness and are not supported by any objective evaluation of my financial situation. It is evident that my good faith exercise of my rights under the Consumer Credit Protection Act has been disregarded during the evaluation process. In light of the aforementioned concerns, I kindly request that Navy Federal Credit Union reconsiders its decision and reviews my credit application with utmost fairness, I encourage Navy Federal Credit Union to make a counteroffer by granting credit in a different amount or on other reasonable terms and adherence to consumer protection laws. I believe that the denial of my application has been unjust and has resulted in the violation of my consumer rights. I trust that your company will promptly address this matter, rectify the situation, and provide me with a just and equitable resolution. I look forward to receiving a written response regarding the reconsideration of my credit application within [ reasonable timeframe ]. Please provide me with specific details regarding the factors contributing to the denial, along with a comprehensive explanation of how my consumer rights were protected throughout the evaluation process. Thank you for your attention to this matter. I trust that Navy Federal Credit Union will conduct a thorough review and take appropriate action to rectify this situation promptly. Sincerely | ||||||
| 08/13/2018 | Yes |
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Web | Servicemember |
| On XX/XX/2018, Navy Federal Credit Union froze the balance of my checking account, which contains approximately {$20000.00}. They allowed funds to be deposited, but they are not allowing me to withdraw any of my funds. I contacted Navy Federal to inquire about the reason for the freeze. They put me through to their fraud department, which explained to me that multiple nonmembers who had made counter deposits to my account reported that their payments were a part of some scam. I buy and sell bitcoins ( and fractions of bitcoins ), and have done so through that checking account for approximately three years. I have never had a problem with Navy Federal up until now. In an ordinary transaction, a person messages me saying they would like to buy X amount of bitcoin. I tell them how much money to deposit into my account. The person goes into the bank and deposits that much cash into my checking account. I then send that person the bitcoin. Sometimes scammers target people like me in the following way. The scammer will message me and ask to buy, say, {$5000.00} worth of bitcoin. I will provide the person ( not knowing they are engaging in fraud ) with my account information. Instead of depositing the cash themselves, they direct the victim of some scam to deposit the cash into my bank account. After the victim deposits the money into my account, the scammer messages me and indicates that he has made the deposit. I then send the bitcoin to the scammer, reasonably believing him to be the person who made the deposit and having no reason to doubt that the transaction is legitimate. I take reasonable steps to try to prevent this from happening by requiring the customer send me a picture of the deposit receipt with the message " for the purchase of bitcoin '' written across it, but the scammer apparently found some way to trick the person into writing that on the receipt or by uploading a XXXX receipt. The person I spoke to in the fraud department seemed to think that I was some sort of scammer. He indicated to me that if Navy Federal felt like it, they could freeze my account forever and that there would be nothing I could do about it. They said that my account would remain frozen pending the outcome of their investigation. Navy Federal has not contacted me and asked me for any information about those transactions, so they do not seem to be conducting much of an investigation at all. One of my attorneys sent them a demand letter, and they have not replied. The Expedited Funds Availability Act ( " EFAA '' ) requires that a bank make all cash deposits available for withdrawal to the customer by the end of the following business day. The entire balance of my checking account consists of currency deposits made by various customers to my checking account at Navy Federal branches. Several weeks have gone by, and those funds are still not available to me. Therefore, Navy Federal Credit Union is in violation of the EFAA once again. The EFAA lays out the conditions under which a bank may withhold funds from a customer when fraud is suspected, and makes clear that these conditions do not apply to cash deposits. Interestingly enough, Navy Federal has already been fined by the CFPB for illegally freezing consumer checking accounts. They are at it again. | ||||||
| 10/06/2015 | Yes |
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| A person, or a hacker-criminal posing as a person, broke-hacked into my online bank account, on two separate occasions, posed as me ( or my husband ) and drained our accounts and tried to obtain large cash advances from our VISA card. The bank restored our money, and is investigating the issue ... .and we are not entitled to know anything further. WHY? If someone physically assaulted me and took me to an ATM machine and made me withdraw lots of money at gunpoint, the police would get involved, try to catch the person, the person would be apprehended, and a legal proceeding would ensue ... .Why is this level of scrutiny and closure not afforded victims of financial crimes? The first time this happened, on XXXX/XXXX/15, the credit union insisted that it was ME that got hacked, not the institution itself. The second time it happened, the credit union took it a bit more seriously but still maintains that my account being hacked is a separate situation from the credit union 's 'back office ' systems being hacked. I say this is an INSIDE JOB. How does someone ... .a ) get my access code, and my password ; b ) log into my on-line bank account ; c ) create a third party transfer record to allow the transfer of funds to another credit union member ( whose names I do know ) d ) log into my account and transfer money to the newly created 3rd party transfer record ... then open my visa account and try to get a cash advance of {$15000.00}? The bank says these are 'mule accounts ' which the real perpetrator is using to move money from my account to other accounts that the perpetrator is controlling ... .which must mean that the perpetrator has access to not only my account but other members of my credit union. Yes, the bank is investigating ... .but how do I press charges? Also, the first time the hacker helped him or herself to our money, said-hacker went into our account and defined a third party transfer record so that money could be transferred from our account to another credit union member 's account. An automated email was generated to notify us that this 3rd party transfer record had been created, and that if we did n't create the record we should call the bank. Well ... .hacker hacked in at XXXX, moved the money to another valid account ( i.e. depleted our account ), we saw the email at noon, just two hours later, but alas it was too late to prevent the thief from stealing the money. Why, oh, why would n't there be an approval process on setting up a third party transfer record? Why would the bank tell us that just 6 months earlier such a control existed and that before a 3rd party transfer account could be 'authorized-for-use ' it had to be approved from a source outside the on-line account? Well maybe unknowing bank customers complained that they could n't move their money around fast enough ... like to their college student or their ailing relatives. So why can the bank compromise security for customer convenience, at the expense of customers who do n't want their money vaporized from their accounts on a routine basis? I believe in my bank, and have banked there for over 20 years. If I went to another bank, what are the chances that the same thing would happen all over again? How do I know which bank is more secure from a cyber-crimes? | ||||||
| 12/10/2019 | Yes |
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Web | Servicemember |
| On Tuesday, XX/XX/2019 A deposited of {$250.00} was made through XXXX to my account from my friend. I went online to check that the money was deposited. It was there. Later that day I when back online to pay a bill with that account. I noticed that I had a XXXX balance and my credit card that was associated to the account was also lower than it should be. I called the bank and asked how is this possible I was told there was a cash advance from my card to my account and then sent to another account that was not associated to my account. They then informed me that it was fraud on my account. They also explained that I had two loans in the process of being approved. I explained I have no knowledge of this and expressed my concerns why I did not receive a notification. I was told that they would stop the loan and have the other issues investigated. They canceled my account number and gave me a new account number. They told me to run a virus scan and change my email password and account password. I spent over three hours on the phone to fix this mess. I could only assume that because the money was still in the pending state that it would be a fast investigation. I was told that an investigator would call me. I called back on the XX/XX/XXXX to follow up. I also noticed I was unable to log into my account to check the status of my account. I explained that as well. I told them every time I try to log in at tells me to many attempts have been tried. They informed me that the investigation can take up to 15 days. Completely appalled that I had to spend the holidays in debt. I called back on XX/XX/XXXX to follow up again assume that the 15 day has passed. I also explain once again I am unable to log into my account. I coveted to the customer service rep that I am unable to pay my credit card debt as well. I asked if the loan was address because I received an email stating that it was no approved. I was told that not approving it means that stopped it I was also told that it would appear on my credit score as two inquiry as it was two loans in two days. Completely appalled again cause now I am still in debt and now my credit score as been affected. The rep put me on hold and after 12 minutes told me that the investigation has not met the 15 days threshold. He told me that if I do not hear from the investigator by the XX/XX/XXXX to call back. On XX/XX/2019 I called again. I explained I am still getting the same error message. I am unable to log in to my account. I still have not been contacted by an investigator and I need to log into pay my bill. I was told hold on and the phone asked me to do a survey, the called dropped after. I called back and was transferred to XXXX a woman in the fraud department. She explained that I would not receive a call back. I would receive a letter in the mail. She said they are to busy to call people back. She also explained that I could not talk to know one in the security department as they do not take phone calls. It is passed the 15-day cut off point. I am still in the dark about my money and my credit card. I am still unable to log into my account. This was not user error in yet I not only became a victim of some scam but I am a victim of a banking system who will tell you anything to get you off the phone. | ||||||
| 06/03/2022 | Yes |
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Web | Servicemember |
| I continue to have issue with Navy Federal Credit Union providing equal access to services offered. I am not allowed to visit the branch, nor speak to anyone via telephone. I also do not have access to a debit card to access my XXXX XXXX payments that are direct deposited. I am forced to transfer those protected funds to my NFCU Credit Card and make full payment of my balance every month. I am not allowed to withdraw these funds to pay for my rent as it is intended. Last week, I discovered more fraudulent transactions on my account. In the previous months Ive been left to investigate this transaction myself. The last XXXX months I have had fraudulent transactions appear fro rental car companies that were not authorized. Considering NFCU denied my claim last year after a rental car company committed a crime by breaking into my home and stealing their vehicle that I had rightfully had in my possession. Due to an error mad by a new employee, my account was notated wrong, but instead of resolving the issue by contacting me, two employees broke into my garage and took the vehicle along with several thousands of dollars electronics and other items that were being kept their to prevent spoiling my daughters XXXX and XXXX birthdays ... these items were their gifts. I never received these items. The car was taken 3 days into a week rental. I disputed the transaction after filing a police report and discovering from the security footage that it was employees of the car company. They also tripled the bill amount from {$500.00} to {$1800.00}. NFCU denied my claim. So, I now try to investigate on my own. And it seems this company or sister companies or their employees have since continued to make charges on my credit card. I discovered last week that they charged over {$900.00} to my credit card that I was forced to pay with my XXXX benefits. I emailed my request to dispute this transaction along with several others. I am not sure why NFCU has yet to cancel and reissue my cards. Instead they continuously freeze my card when I am actually trying to use it... but freely allow other fraudulent charges. They send messages to call and verify transaction, but upon calling inform me that I'm not allowed to call in to speak to anyone. I'm on a constant rat race and suffering severely financially. I do not understand how this is legal. I transferred {$2500.00} to pay off my credit card and then made one transaction before the remaining was taken from fraudulent charges. Not to mention Im charged interest fees that are also paid from my XXXX benefit protected funds. A week later, my fraud claims have still not been filed. My email to dispute these transaction were ignored. But that is my only form of communication that Im allowed in which to contact NFCU. I have no access again to any of y funds. and my protected benefits have once again been stolen from my account. My checking account also has had returned check fees... 7 of them, yet I have not written any checks. Some transactions state that they are for debit transactions... .I am not allowed to have a debit card therefore could not have made these transactions. But have been charged {$29.00} for each of the 7 transactions ... {$200.00} in fees for returned checks that were not authorized. Please help. | ||||||
| 03/05/2021 | Yes |
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Web | Servicemember |
| Yesterday, I looked at our bank statement and I noticed an adjustment for - {$470.00}. Naturally, I called the bank to inquire and they explained that back in XXXX when the stimulus checks were disbursed, Navy Federal Credit Union decided to give all the members who use the Optional Overdraft Protection Service ( OOPS ) program a {$470.00} provisional credit in case their stimulus checks were deposited later than expected. So, I scrolled through our bank statement and sure enough NFCU did deposit {$470.00} into our bank account on the exact same day that we received our stimulus checks. It was marked simply as {$470.00} Adjustment on our statement. In late XXXX, my husband and I had deposited a sizable check from my grandmother 's estate into our account. Part of the check was held and the rest was deposited. When I saw the " Adjustment '', I mistakenly assumed that it was the remainder of the check that we had deposited. It never even crossed my mind that NFCU was going to take it upon themselves to provide us with a provisional check ( otherwise known as a loan ) that we did not authorize. I specifically asked the supervisor why NFCU felt the need to do that - both my husband and I received our stimulus checks, so obviously we didnt need the provisional funds. The supervisor explained that a lot of bank members had been asking when the stimulus checks were coming in, so NFCU made an executive decision to do this. I explained that we never asked for this service, we were never asked if this was something that we were interested in, and we never gave our permission for this money to be deposited into our account. How is that o.k.? How can NFCU presume to know what is best for our family? No answer. Then I asked if any kind of communication was sent out and they replied that an email was sent out. So, I double checked my email - Nothing! I explained that there is an email on file, its been there since 2012. NFCU 's response - the email address is listed under my name and Im not the primary account holder, so it wasnt sent to our email. This is a joint checking account that my husband and I share. They stated that they sent out letters, as well, but I'm pretty sure that I would've remembered receiving a notice about this. I also feel like a definitive " yes '' or " no '' should be received from the account holder before the bank makes a decision regarding the account. If we had missed out on this " opportunity '' because it was not sent to our email or we did not receive the letter in the mail, then that would've fallen on us. But to make a decision without receiving permission from the account holder, I do not see how that is legal. So, thanks to the help that we received from Navy Federal Credit Union, we had {$470.00} placed into our account when we really didnt need it and then it was withdrawn 2 months later when we actually do need it. When I asked what could be done to remedy this situation, the supervisor told me that he could not reverse the adjustment, however, he'd be more than happy to set us up with a personal loan specialist. That's not a viable solution. So, now we have to take out another loan and end up owing NFCU interest? No thank you, NFCU! How about next time you let us decide whats best for our lives? | ||||||
| 12/21/2022 | Yes |
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| I currently bank with Navy Federal. On XX/XX/XXXX unauthorized purchases were made on my account one from XXXX XXXX in the amount of XXXX and XXXX for XXXX. Not only was my navy federal acct compromised, 3 of my other accounts were compromised as well. For the exact same amounts. This information was also provided to Navy Federal. The target purchase was stopped and flagged as fraudulent, but they allowed the XXXX XXXX purchase to be authorized. I informed them that this was not me, and they gave a provisional credit. They later sent out a message that they were reversing the credit because they found it to be non fraudulent on XX/XX/XXXX. I visited the branch on XX/XX/XXXX where I was told by a representative that I allowed someone to use my card, I informed her that I did not, and she was persistent that I did. I asked what evidence or information did they find to come to this decision. She said she could not see that information, but I informed her the letter sent stated that I could request this documentation. I was told she had no way to help me request the information, I then asked what I needed to do to appeal. I was informed to send an emessage, I also asked what needed to be included it was told to me to just state I wanted to appeal the decision and why. I did so and submitted it on XX/XX/XXXX. I still had not received a response, which the emessage stated someone should respond to me within 72 hours. I revisited the branch on XX/XX/XXXX and informed another bank rep that I had not received a response to my appeal, she then called someone and they stated that I did not receive a response because my message did not contain enough information. I informed them that I put the information the previous bank rep informed me to write. They sent me a list of questions, in which I completed, and sent back the same day. On XX/XX/XXXX they replied to my initial message that I sent on XX/XX/XXXX ( the one that did not have enough information ) with the same questions that I completed on XX/XX/XXXX. I then revisited the branch once again concerned that my appeal would be delayed and my checking acct would be closed. I also informed this rep that I sent a message back on XX/XX/XXXX and that the emessage system stated that I would receive a response in 72 hours. She then called a rep in the fraud appeals department and they stated they answer in order they receive it. I explained to her that was poor service because people expect that if that is what is said. She stated that she could try to send a email to a higher person to try to expedite the process and get the situation handled. After sending the email, I later received a emessage that stated my appeal will be reviewed and its no specific timeframe in which it will be done. XX/XX/XXXX I spoke with a rep via the phone in the fraud department, I informed her that I was calling to check the status of my claimed she informed me that it was denied again because I did not send over proof or documentation. I informed her that no one ever requested any type of proof or documentation, she placed me on hold and stated that someone said if I send over what proof I had they would look into it. It is now XXXX XXXX. I am still yet to have the problem resolved or my money reimbursed. | ||||||
| 08/22/2023 | Yes |
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| am writing to formally complain regarding the recent denial of my credit application, based on the adverse action notice I received. I believe my denial violates consumer protection laws and regulations, and I kindly request that you reconsider your decision after a thorough review of my application. Upon reviewing the adverse action notice, I was shocked to discover that my credit application with NAVY FEDERAL CREDIT UNION was denied. I strongly believe that this decision is unjustified and does not reflect my creditworthiness or financial capabilities. As a consumer protected by various consumer rights provisions, including the Equal Credit Opportunity Act ( ECOA ), Fair Credit Reporting Act ( FCRA ), and other applicable laws and regulations, I understand that I have the right to dispute any erroneous or inaccurate information that may have influenced this decision. To assist you in the reconsideration process, I would like to bring the following matters to your attention : I have carefully reviewed my credit report and found no evidence to support the denial. My credit history demonstrates responsible financial behavior, including prompt payments for all my obligations and maintaining low credit utilization. I kindly request that you reevaluate the information you used in the decision-making process and ensure its accuracy. According to the adverse action notice, the reason ( s ) for my credit denial were stated as serious delinquency, revolving balances to credit limits are too high, level of delinquency on accounts and number of accounts with delinquency. However, based on my credit report and my understanding of the lending criteria, I believe these reasons are not supported by verifiable information. I in GOOD FAITH applied for this loan to provide transportation for my family to and from work. XXXX. Compliance with Consumer Protection Laws : I kindly request that NAVY FEDERAL CREDIT UNION ensures full compliance with all applicable consumer protection laws and regulations, including the ECOA and the FCRA, during the reconsideration process. As a financial institution committed to fair lending practices, I trust that NAVY FEDERAL CREDIT UNION will conduct a fair and thorough investigation into my credit denial. In light of the above, I request that you promptly initiate a comprehensive review of my credit application, taking into account the supporting documentation provided, to determine whether my creditworthiness warrants approval. I also request that you notify me in writing of the steps taken and the final decision regarding my credit application within the legally mandated timeframe. Please be aware that, if necessary, I am prepared to escalate this matter to the appropriate regulatory authorities or pursue legal action to protect my consumer rights, should my complaint not be addressed satisfactorily. NAVY FEDERAL CREDIT UNION is liable under the SEC to follow certain Rules. Thank you for your prompt attention to this matter. I look forward to receiving your response within usually 15 days from the date of this letter. Should you require any additional information or documentation, please do not hesitate to contact me via the phone number or email address provided above. App. ID XXXX | ||||||
| 04/27/2021 | Yes |
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| On saturday XX/XX/2021 I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and upon arrival there was a line wrapped around the bank to the street with cars diue to the lobby being closed. I waited in my car with my children for over 30 minutes before i was able to speak with a teller. while in line i ordered a cashiers check in the amount of {$5000.00}. I got out my car while in line knocked on the front door to see if someone can just print out the check for me that way i can be done. the lady who came to the door never opened it to speak with me had a mask on her face but was trying to tell me i still had to wait in line with her finger. i walked back and got in my car and waited. when i got closer i look bin front of me there was a black sedan and behind me was a white one. Finally it was my turn. i waited for assistance. not being XXXX but an XXXX lady came to the camera screen and ask how she can help. she was talking so fast and away from the mic i barely could hear her. i kept putting my hand towards my hear and even told her i could hear her.i explained i ordered a cashiers check and also need {$3000.00} in cash totaling {$8000.00}. she went off screen and came back over 5 minutes later. she told me she was sending me a reciept to sign and i could of promised she told me i would be good to go. i recieved an envelope with the reciept on top and a pen i signed it and sent it back then spoke with her asking about how i can go about coming into the branch for help because my debit card keeps getting used outside ofthe state. she told me monday through fri i can come in for 10 mins and they can help me., i said ok. she never told mehold on im sending you anything else so i drove off. when i pulled around i looked down and noticed i didnt have my {$3000.00} my drivers license or my bank card i went back to the bank with my children in the hot heat to tell them i didnt receive my items. the same lady talking to me from her mask behind the door finally opened the door and told me hold on. 35 minutes later she ask for my number and said i know what happened give me a moment ill get it back. she never came back i waited almost another hour. finally i went back two more times kept getting the run around i called their XXXX number and asked for a manager. i explained my situation but he wasnt no help. i went back to the bank then was greeted by the bank assistant manager XXXX XXXX. she explained herself but told me she is sorry and they are working with security on a solution. i waited waited waited another 45 minutes but now i been at the bank over 3 hours, i got out my car to walk up they finally called the police to report the issue. XXXX did re issue me a new card and was able to get a report number from the police but never got my money back. Today XX/XX/2021 i received a call from XXXX around the XXXX hour to tell me she talked with security and they aren't the victim i am and they wont issue me my {$3000.00} back. she even said the teller put my money in the machine after i drove off. i am furious because that was money to pay my bills and feed my children.I am a single mother of XXXX who works hard to provide for my children. all i am asking is that navy federal to give me my money back that is all. | ||||||
| 04/17/2017 | Yes |
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Web | Older American, Servicemember |
| In XXXX & XXXX , I called Navy Federal Credit Union and asked the representative to make an additional principal payment of {$100.00} on my Home Equity Line of Credit. Unfortunately, neither of these payments was applied correctly. At that time, I also stated that I did not want this to be done automatically every month, and even though I specifically stated no additional principal payments were to be automatically deducted from my account, automatic deductions were set up to be taken out of the account for additional principal payments. Thus over the last 4 months, I have spent countless hours and I have placed numerous phone calls to various Navy Federal re presentatives in an effort to correct these errors. The payments have finally been reversed & reposted to reflect the correct effective date, and the automatic deduction of additional principal payments has been removed. However even though these XXXX issues have been resolved, the additional errors that occurred during this time frame along with the XXXX original issues, warrant escalation of this entire matter to senior management of Navy Federal Credit Union so th at ( 1 ) this n ever happens again ; a nd ( 2 ) if this does happen again, I have a point of contact to help me resolve the matter in a more timely manner. First, in mid XXXX and then in mid XXXX , while I was trying to get all this resolved, I was put on notice that my account was delinquen t. ( Navy Federal Credit Union automatically deducts the regular payment from my checking account on the first of the month and there was enough money in the account to cover both payments. So, the account was never delinquent. ) I called in XXXX to question why I was put on notice that my account was delinquent, and I was told it was an error in processing and had been corrected. In XXXX when I called to question the delinquency notice, I was told when the person went in to correct a payment to principal and back date the payment to the correct date, she had to reverse the payment made on the XXXX in order to adjust the interest and principal, and she never reposted this payment. She did n't notify the mortgage department t that this payment was made and that generated a delinquent notice. Now, I am concerned about whether these 2 de linquent notices are going to or have affected my credit rating. Second, during one of th e later calls, I was told that Navy Federal Credit Union could only pos t one transaction per day. Yet, when I went on line to check the loan activity, several days show up to 8 posting on that particular date. ( XXXX shows XXXX postings. X/XX/17 shows XXXX postings. ) Third, at no time did a case worker from payment services call me to explain what had been done, even though they had been aske d on 2 separat e occasions to call me. I would like to bring to your attention that Navy Federal should recognize two of t heir employees who went above and beyond to help me resolve these problems even though this is not an area that they service. One is XXXX XXXX , who was branch manager in XXXX , SC and the other is XXXX who is in the mortgage depar tment ( lice nsing # XXXX ) who se field is mortgage not HELOC. | ||||||
| 11/23/2023 | Yes |
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| NOTICE OF DEFAULT and OPPORTUNITY TO CURE Notice to Principal is Notice to Agent / Notice to Agent is Notice to Principal Sworn Statement Affidavit FROM : XXXX XXXX XXXX XXXX Way XXXX, GA XXXX TO : Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX DATE : XX/XX/2023 VIA : Certified Mail # XXXX RE : Loan Account # XXXX, XXXX, XXXX hereinafter Loan This is a Notice of Fault and Opportunity to Cure upon the presentments enclosed within the Certified Mailing, received by the NAVY FEDERAL CREDIT Union on XX/XX/2023 and as evidenced by Certified Mail # XXXX. By the terms and conditions of the agreement contained in that document, since XXXX XXXX disputed the alleged debt, NAVY FEDERAL CREDIT Union was under obligation to timely and in good faith provide full validation and verification by providing the promissory note and signed contract with my two wet signatures of the debt under penalty of perjury within XXXX ( XXXX ) days pursuant to UCC and FDCPA or request an extension of time. Instead NAVY FEDERAL CREDIT Union provided a black credit card agreement with no signature. The NAVY FEDERAL CREDIT UNIONs failure to honor the offer places NAVY FEDERAL CREDIT at fault. This is the XXXX XXXX 's good faith offer to extend the time by an additional XXXX ( XXXX ) days from date of delivery to give the NAVY FEDERAL CREDIT Union an opportunity to cure NAVY FEDERAL CREDIT Unions fault, to make the required presentment and to cure NAVY FEDERAL CREDIT Union s fault. Should the NAVY FEDERAL CREDIT Union fail, refuse or neglect to respond to this Notice of Fault and Opportunity to Cure, XXXX XXXX will enter a Notice of Default, as second witness, upon the NAVY FEDERAL CREDIT UNION. Of this presentment the NAVY FEDERAL CREDIT UNION should take due Notice and heed, and govern oneself accordingly under the FCRA regulations. I will have all rights to sue NAVY FEDERAL CREDIT Union for willful non-compliance and seek economic and emotional damages under the FCRA and contract law regulations. If NAVY FEDERAL CREDIT Union can not validate and verify with a promissory note and contract with my two wet signatures, then NAVY FEDERAL CREDIT UNION Bank needs to delete and remove this account from my credit profile, because it is ruining my credit worthiness to purchase a home. Fault : " American Law - Negligence ; an error or defect of judgment or of conduct ; any deviation from prudence, duty, or rectitude ; any shortcoming, or neglect of care or performance resulting from inattention, incapacity, or perversity ; a wrong tendency, course, or act ; bad faith or mismanagement ; neglect of duty. '' Blacks Law Dictionary, 4th Edition, page 738. Default : " By its derivation, a failure.. An omission of that which ought to be doneSpecifically, the omission or failure to perform a legal dutyThe term also embraces the idea of dishonesty and of wrongful act. '' Ibid, page 505. Promissory Note : Blacks Law Dictionary A written promise to pay a debt by a specific date. It can be turned to cash by transferring it to another party. NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence Sincerely and with all rights reserved, | ||||||
| 05/09/2023 | Yes |
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| When I recently accessed my Navy Federal Visa rewards account I noticed that my minimum payment had jumped by @ {$80.00} going from {$330.00} ( 2 % of my balance ) to {$410.00} ( almost 2.5 % of my balance ). I contacted customer care on Monday, XX/XX/XXXX at XXXX XXXX XXXX to inquire why the minimum payment due had gone up when the balance had remained relatively the same. The agent informed me about a change in terms to all Navy Fed credit card accounts that changed the way they calculate the minimum balance. This is how the new terms read ( taken straight from the email they sent on XX/XX/2023 at XXXXXXXX XXXX ) " Changes Coming to Your Credit Card Agreement If there are any problems with how this content is displayed, please view it in your web browser. RE : Credit card ending in XXXX Thanks for choosing us for your financial needs. Effective XX/XX/2023, your GO REWARDS Credit Card Agreement and Disclosure ( " Agreement '' ) will be changed as follows : Minimum Payment Due : We're changing how we calculate your Minimum Payment Due. Currently, it's any past due amount plus the greater of 2 % of your new balance or {$20.00}. On the effective date, this will change to any past due amount plus the greater of {$20.00} or the sum of 1 % of your new balance plus interest and fees. This change will affect your Minimum Payment Due amount. '' This is what the agent quoted to me on the phone as well. When I questioned why the minimum payment due had gone up instead of down she proceeded to tell me " that this was a decision from Navy Federal for those that carried higher balances on their cards and that some member 's minimum payment due had actually gone down ''. When I asked her which members minimums due had gone down she replied with the following " those members who were carrying a lower balance had their payments reduced while those with higher balances had their payments increased. '' Needless to say, I was upset with that because I felt it was not fair to arbitrarily reward those members with the lower balances while punishing those with the higher balances, which I stated to the agent. I asked if I could opt out of the higher payment to which she stated " No ''. I believe this to be unfair credit practice on the part of Navy Federal to change the terms only to apply those terms to a select few while at the same time also changing the terms for others and not abiding by those terms. Case in point, as stated above my current payment of {$330.00} a month is 2 % of my balance, and the new payment of {$410.00} is roughly 2.5 % of my balance. If Navy Federal went by the new terms of agreement my minimum due should only be {$170.00} ( 1 % of my balance ). I believe their tactics to be in clear violation of the terms of agreement for their credit cards, both the old terms ( 2 % ) and the new terms ( 1 % ) I was told by the representative that I had no recourse but to pay the higher minimum amount because that was what Navy Federal ( arbitrarily ) imposed. This is not right or fair. The only solution I was offered was a 3-month short-term 0 % interest rate modification on my account, with a vacation month up front. I am not sure how this will affect my credit as it had to be submitted for " approval ''. | ||||||
| 06/10/2022 | Yes |
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Web | Servicemember |
| Application ( XXXX ) to refinance home was submitted to Navy Federal Credit Union ( NFCU ) on XX/XX/2022. Estimated time of completion was 60 days. The person managing my application insisted they wanted to identify me by race in my application, when I preferred that they did not. After completion of all initial documentation and change in approved amount, follow up was submitted on XX/XX/XXXX to confirm if resigning of documents was necessary. It was advised that they were behind schedule and processing could take 90 days total. At some point during the month of XXXX, the loan processor decided to take a 30 day vacation and did not transfer workload to any other person or office. On day XXXX, I reached back out to the bank and requested to see the initial application files submitted to determine if my race was indicated in the profile. NFCU refused to provide me the files. In XXXX I received a short apology and assignment to a new loan processor to assist the previous office in backlogs. Not initially communicated to me, the home loan type changed. Working with the new loan processor and the servicer of my mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been a tumultuous experience of misguided financial advisements resulting in further damage to my credit standing and extraction of me paying out {$10000.00} rather than receiving the small loan I was applying for. XXXX. ) I have been misled on how proceedings would be handled to manage lender paid expenses from financial relief negotiations concerning pandemic relief. XXXX. ) I was advised if I covered the expenses of front, paid in full, that proceeding with processing could take place. Once paid, NFCU capitulated. XXXX. ) The loan servicer ( XXXX XXXX ) inaccurately recorded the payment toward removal of a partial security deed lien, then advised they would correct it in two days. The correction took two weeks. XXXX. ) The loan servicer is required to meet the Veterans Affairs system interface reporting requirements for being a VA preferred lender by reporting the satisfactory release of the lien by the XXXX of the following month. They did NOT comply and are essentially refusing to release the lien although payment has been made. XXXX. ) There has been communication daily on this matter. As soon as the document was completed to remove the lien, NFCU move swiftly to deny me the loan without explanation. 180 days of delays and lying. This doesnt even touch on the matters of the initial veterans affairs loan technician not reading the emails of the actions taking place, randomly stating actions that had nothing to do with what was occurring, and then confirming in conjunction with NFCU that the requirement was for me to pay in full out of my pocket the expenses from my pandemic relief forbearance back. Thats NOT pandemic relief. Thats financial oppression. ****To make matters worse, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recorded the lien XXXX without properly reporting it to the VA for payoff. *** At every critical juncture of NFCU setting terms of being able to raise interest rates on the loan, they moved to delay. This is especially apparent at the XX/XX/XXXX mark. NFCU XXXX : XXXX ; XXXX ; XXXX Veterans Affairs POC : XXXX XXXX | ||||||
| 03/22/2021 | Yes |
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| I have been searching for a home to move into asap due to the fact that I went into XXXX XXXX and XXXX XXXX XXXX weeks early. This caussed us to be in a bit of a hurry to find a nice home to move into before she comes home from the XXXX. A scam artist took advantage of this. On Friday XX/XX/2021 I came across a home on XXXX that we were interested in. The home was supposedly privately owned and there was contact information for interested people to contact. I contacted the number and believed I was speaking with a property manager/owner who allowed us to go and visit the home throught a self guided tour due to the " COVID pandemic ''. We completed the rental applications and I had to send {$100.00}, {$50.00} for each adult applying. He guided us on how to create an account and get the code number for the lock to unlock the lock and get the key and enter the home to view it. Everything seemed to be legit. Once we finished viewing the home we were asked if we were interested and told there were other interested parties as well but that we had the upper hand because we had the key. The supposed manager told us if we made the deposit for the home that day through his lawyer that we would be able to keep the key and we would sign the lease agreement in the morning. I have never been scammed in my life, I had no idea this was a way people get your money. I believed what I was being told. I transferred the deposit of {$1100.00} to the supposed lawyer/realtor account which we googled the name before we sent the money and there was confirmation that there was a realtor locally by that name. I thought we would be okay only to find out that the home was being rented through a rental company. We found this out because there was a couple outside their home across the street and we asked them about the house. They told us the house was for rent but by XXXX When we realized what we had done, I immediately went into my bank account to try and stop the pending transfer only to find there was no option to cancel. I contacted my bank first only to be told that I sent the money myself there is nothing they can do and to contact XXXX. I contacted XXXX and while on the phone with them they told me there should be an option to cancel the pending transfers if they had not gone through yet in the app. I tried exactly what they told me to do while on the phone with them, but there was NO option to cancel the pending transfers. I could clearly see that the charges were still pending and would not be available to the recipient until XXXX XX/XX/2021. However, I was not able to cancel, there was no option to do so. I contacted my bank again and tried to see if there was any way to reverse the charges they were no help whatsoever and kept telling me that its basically my fault because I sent the money willingly. Both Navy Federal and XXXX refuse to do anything to help me, meanwhile I am out of {$1100.00} with a newborn baby and no way to move forward or get my money back. I was never scammed in my life so I didn't expect this I wish that there was some type of warning. I am beyond frustrated and I just don't know how to accept that I won't get that money back. Please help me if at all possible, I am struggling enough as it is. | ||||||
| 06/27/2022 | Yes |
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| To whom this may concern, My name is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX I'm a Retired Veteran. I own a property free and clear. The Market value show the sales at " XXXX XXXX XXXX XXXX C, XXXX, MD XXXX Closed | XX/XX/XXXX Residential +/- {$210000.00} As a member of Navy Federal Credit Union XXXX on XX/XX/XXXX, I applied for an Equity Line of Credit ( HELOC ) in the amount of {>= $1,000,000}, with the intent to posible purchase a house. When I started the application via an email sent for NFCU it allowed me to upload my information. They continue sending me 3 emails with attachments to complete the application. I contacted them due to verification of income. I asked specifically to tell me which documents are needed to fish the application, their answer was you need to follow the instructions given on the email! Again, I asked specifically to tell me which documents are needed... not a direct answer referring to the email content. During that time I was able to see in my account that the loan was in process/transaction Pre Approved. However, one day it disappeared off my account without notice. I was not sure why because I didn't receive any warning or notice for termination. I called several times and asked to speak with a file manager or a supervisor to get an answer on reasons why the application was terminated without warning notice... They said that an " email was sent : to me on XX/XX/XXXX, giving the reasons why! I request for them to send me the email they said was sent to me. Again, I never received the email. Unfortunately today, I'm still waiting for it, they never sent me anything and didn't get any answers from NFCU. On XX/XX/XXXX I send them an email via there communication/account messaging ; Subject : loan Navy Federal Response XX/XX/XXXX : Good afternoon XXXX XXXX, Thank you for your eMessage. We will forward your request for contact to the correct party. Thank you Your Message XX/XX/XXXX : I WANT A SUPERVISOR TO CALL ME. I WANT TO FILE A COMPLAINT. IT IS A SHAME THAT YOUR STAFF IS CARELESS. They never answer/reply to this email... I called again the loan department on XX/XX/XXXX, I spoke with XXXX XXXX XXXX ( mls # XXXX ). Again, I explained to her the problem, she was giving me the same information all of them gave me without giving answers. Again, I asked to speak with a supervisor ... Again, none of the supervisors were able to talk with me on the phone! However, XXXX XXXX said, " XXXX XXXX XXXX ( mls # XXXX ) was going to call me and answer all my questions and concerns ''. Never did!!! This is not a miscommunication or misunderstanding on my part and I strongly believe that NFCU has been prejudiced and biased with me during the entire application process. They refused to answer my questions/requests and never presented to me with evidence/reasons why they dropped my application without warning notice. All this proces shows poor professionalism, careless, incompetency and product knowledge from NFCU loan employees. As I continue looking to purchase, this has prevented/stopped me from further purchasing a new house... As always, Unfortunately for me, today is XX/XX/XXXX, and no one from NFCU has contacted me in any way, shape or form. | ||||||
| 03/14/2016 | Yes |
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| Hello, I openened a personal loan w/Navy Federal In XXXX w/ credit life added in case you become XXXX through no fault of your own and ca n't pay, XXXX diligent ly until I was removed from work by my physician XXXX, I continued to have problems mos after accident off work 29 days initially mos later off for 1 1/2 mos, Navy Federal was informed of same fully aware my loan had this extra coverage attached, I filed all paperwork within their time frame and before 60 days past due, thinking it was covered, I was harrased, authorized users on my account were called, I had a family member w/ a considerable amount in their account and was asked to borrow from them I made arrangement to pay remaining balance and when I asked for payment history I was told they did not have it, also requested receipts they refuse, when I informed them according to my records I had paid the amount w/ interest as agreed, but late due to their failure to honor claim, I WS informed of " late fees '', loan was paid in full XXXX, when I informed them any further payments would be made only w/ a payment history and reason for any remaining balance, customer service clerk became irate and informed me I was not getting any receipts or records, I then informed him any further payments will only be paid after I received a history of this account, my family member informed me money was taken from their account, but they removed all remaining monies from their account on XXXX I deposited XXXX in my account 2 days XXXX was removed, no one could tell me where, why, finally I was informed it was placed on a " loan charge off '', I spoke w/ someone in that dept only to be spoken to very rudely when I inquired about the amount and removing money from my savings account I was in informed they would not be sending any records of payment made in full and monies removed from account, I called back 5 min later and spoke w/ another CSR who was awesome when I explained hx of loan also amount was suppose to be covered by credit life policy she stated someone placed in file it was not received on time, but I was informed it was received in time, also informed any remaking amounts were disputed at the time due to refusal of navy federal to provide an account hx and payment record, she then informed me the amount they claimed was " charge off '' was XXXX ( and change ) not XXXX removed from my savings she went on to say she had taken matter to her supervisor for review and would get back w/ me in 3-5 days, I only found out the money was missing due to fact on XXXX/XXXX/XXXX I was there to make XXXX withdrawal from my savings account, this was money to pay my doctors and medical expenses, also funds were from std policy, I have been recently diagnosed as legally XXXX, I requested in XXXX a hx and was refused, the amount stating I owe is very questionable, I do believe the claim was submitted and loan paid, that 's why there are n't any " records '' they can provide, I believe they got paid twice, from me and the credit claim, since XXXX/XXXX/XXXX my accounts have been locked, after I spoke w/rep to confirn my account this is not coincidental, they seems as though they do n't want me to know what is going on with this " charged off '' account, | ||||||
| 10/17/2016 | Yes |
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Web | Servicemember |
| On XXXX/XXXX/2016 my wife and I opened a checking account at the Navy Federal Credit Union in XXXX, MD. ( access number and checking acct number available upon your request ) My wife 's and my identification was checked, as would be expected, as we opened the account. A {$50.00} referral signup referral bonus was offered which I accepted. I immediately arranged for a transfer of funds from my XXXX XXXX XXXX account and set up automatic payments from my employer and retirement to go directly to Navy Federal. My wife and I also applied for a home equity loan for {$60000.00} at that time. I also logged into their internet access system to monitor my accounts. But when I went to check on my account to ensure the money had transferred correctly ( I knew it had been withdrawn from XXXX and wanted to ensure it was deposited in Navy Federal ) I learned I was locked out of my account " for security reasons ''. I immediately called the service number but was told the security branch had locked my account and would not even accept inquiries about that action for 5 business days. I explained that I had a mortgage payment soon due, as well as other bills. I was told there was nothing they could do about that. Over the course of the next few days I tried to call customer service, but soon after I provided my account number, I was disconnect or put on perpetual holds at least four times. Clearly, my account had been flagged, for some reason still unknown to me. On XX/XX/XXXX I received a letter from Navy Federal that my home equity loan was denied due to my " poor credit performance ''. In the same letter it stated that my rating was XXXX and my wife 's was XXXX. I waited a week and went to the branch office to inquire as to why my account was locked and why my loan was denied. I was advised that it could not be determined but that the asst manager would follow up and find out. I asked what credit rating was required for a home equity loan and described the letter I 'd received. She was quite surprised and said she 'd check on that. Four days later, on XXXX/XXXX/2016 the asst manager left a phone message on my phone stating " We took care of YOUR problem and your account is not unlocked. '' ( ... of my problem! ) There was no news regarding the loan. I sent an electronic message to Navy Federal, via their website, to ask why the account had been locked, why I was denied the equity loan, and where the {$50.00} signup bonus was that should 've been applied to my account. I was told the {$50.00} bonus was entered into the computer incorrectly so it would be about 2 weeks to correct, and to call a customer service number for the other XXXX questions. So today I called. I was told that accounts are often locked for new customers ... " That 's a common practice we do on some accounts, for your protection. '' I explained that caused difficulty in making mortgage and other payments. " Well, that 's just the way we do it. '' I was advised. The customer service rep had no idea why the equity loan was denied. The arbitrary way my account was locked and the way I was prohibited from even getting only the Navy Federal website to monitor my account seem like an odd way to run a financial institution. | ||||||
| 09/23/2016 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union violated several laws pertaining to the CARD act of XX/XX/XXXX. This is an attempt to resolve this violations before taking NFCU to small claims court. If this can not be resolved, NFCU will be receiving a lawsuit from me for the alleged violations : 1. NFCU opened a credit card for my account in the amount of {$2000.00} and let me spend those funds, I then attempted to pay this amount and received confirmation. NFCU then froze my credit card account, and did not apply the payment to my account, generating undue interest. This is a direct violation of the law and is punishable with a {$1000.00} fine, and any undue interest. 2. NFCU opened an account for me and specified that they pulled my credit report under certain conditions. the conditions that I was read by the agent on the phone, is that I fell under the category of having a Grandfather XXXX, and because of this I was eligible to use NFCU 's services provided, I allowed them to pull my credit report. I agreed to this. Today I received notice that NFCU has chosen to " freeze '' my account, until I can provide documentation that does n't exist since I am not in the Military, and that they are unwilling to accept my grandfathers SSN ( because they have no way of verifying XXXX servicemanship from an SSN ), and a statement showing I am related to my grandfather. NFCU changed the terms and conditions of membership to something not listed on their website. Specifically the website states : " If you have an immediate family member who has joined or one who is eligible to join, you can become a Navy Federal member. Immediate family members include grandparents, parents, spouses, siblings, grandchildren, children ( including adopted and stepchildren ) and household members. '' I told the person opening the account my Grandfathers name for sponsorship, and he said this was not necessary. Changing the terms of membership, is a violation of The Fair Credit Reporting Act in relation to the agreement that was used to authorize a credit pull. This violation has a penalty of {$1000.00} under the law, unless the credit pull is removed. 3. NFCU did a second credit pull for the credit card, which again is pursuant to the agreements listed on the website. If I am not eligible for membership due to new terms not stated in the legal documents, this is a direct violation of the The Fair Credit Reporting Act for the second credit pull, and thus would need to be removed or would be eligible for a second penalty of {$1000.00}. I am more than willing to submit my grandfathers SSN, and name as a sponsor. However he does not have a XXXX or documentation pertaining to his service in the XXXX which occurred XX/XX/XXXX. Your computer should be able to connect to the government 's system to verify eligibility. I demand that you accept my proof as stated per the website, and unlock my account. Or accept payment for my credit card as required by law, close out my full account, and remove any negative hard credit pulls from my account. If you do not comply with this legal demand, I will be sending out a formal lawsuit in the amount of {$3000.00}, in pursuance to the CARD act of XX/XX/XXXX, and the The Fair Credit Reporting Act. | ||||||
| 07/15/2020 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Dear Sir/Madam, I, XXXX XXXX, am writing you this letter in regards to the XXXX discriminatory behavior and unfair treatment that I received at your bank, Navy Federal, on XX/XX/2020. On that day, I went to the XXXX XXXX XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Tx. with my XXXX yr old son with me. My intentions were to just withdraw money from my checking and be on my way for an upcoming trip/ business. As I reached the teller, she asked questions in regards to my personal accounts ( checking and savings ). Im a longtime customer of the bank and I am familiar with the process of withdrawing money ; so imagine my surprise when I was ask if I knew how much money was in my accounts and was told to wait because she needed a manager to assist. After waiting, I asked if I could speak to the manager to finish my request. She pointed in the direction towards the manager who was sitting there on XXXX instead of trying to assist. I made a comment asking her why are you on XXXX, when you are supposed to be helping. She looked irritated and requested that I just wait. Afterwards, I was informed that I could not withdraw the amount that I intended to, without any reason given.. When I demanded to know why. She told me to leave for no reason and I told her she was being very unprofessional. She would not answer any of my questions and proceeded to turn her back, walking away as if I were not speaking. I was only demanding an explanation and she accused me of being hostile so the security guard began to exit me from the premises. I called the customer service department for Navy Federal to tell them about my experience and to file a complaint. I was transferred to XXXX in the fraud department who assured me that everything would be taken care of if I decided to enter the bank the very next day. He stated that XXXX of my funds would be released and XXXX was being held. When I attempted to use my card later that day it was declined. That is when I learned that my entire account had been frozen and was informed that I would have to wait until Monday for them to rectify the situation. They humiliated and embarrassed me in front of others and most importantly my child. Its sickening but a harsh reality that because Im an XXXX American women who speaking up for myself demanding an answer to why I do not have access to my OWN hard earned money that I am perceived in such a way and therefore labeled as hostile. After later finding out that my accounts were unfairly frozen with no adequate warning. I was devastated. I had a trip planned the next day to further my business ventures and that was ruined. No apology or reasoning was provided. The purpose of this letter is to bring serious attention to the issue in the hopes that it be resolved and no other person can feel as though I did leaving out of your institution that day. I received a letter telling me I wasnt ever welcome to none of their banks again. You will be provided a week to respond to my letter and have the staff address this matter or I will file a complaint with the Consumer Financial Protection Bureau and seek assistance from my local XXXX XXXX XXXX Sincerely, XXXX XXXX | ||||||
| 06/19/2020 | Yes |
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| On XX/XX/2020, at the end of an unnecessarily exhaustive mortgage refinance process, Loan Officer XXXX XXXX ( ( XXXX ) XXXX x XXXX, XXXX ) of NFCU informed us that NFCU will not provide a mortgage refinance because my wife was born in XXXX XXXX vs. the United States. We are being denied a mortgage refinance solely based on race/national origin. This is illegal based on several laws, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Housing Act ( FH Act ). The ECOA prohibits discrimination based on : Race or color Religion National origin Sex Marital status Age ( provided the applicant has the capacity to contract ) The applicants receipt of income derived from any public assistance program The applicants exercise, in good faith, of any right under the Consumer Credit Protection Act The Fair Housing Act ( FH Act ) prohibits discrimination in all aspects of " residential real-estate related transactions, '' including but not limited to : Making loans to buy, build, repair or improve a dwelling Purchasing real estate loans Selling, brokering, or appraising residential real estate Selling or renting a dwelling The FH Act prohibits discrimination based on : Race or color National origin Religion of Consumer Financial Protection and Access National Credit Union XXXX XXXX Familial status ( defined as children under the age of XXXX living with a parent or legal custodian, pregnant women, and people securing custody of children under XXXX ) Handicap I am a United States XXXX. My wife and I are legally married. We have children. Both of us individually and jointly hold property in the United States. We both have social security numbers. We both pay taxes. We are both NFCU members ( long members ) and have individual NFCU accounts and joint accounts. We both have outstanding credit ( both rating and duration, 15 and 30 years ). We reside solely in the United States. The refinance is for our primary residence. We have had and have paid off several mortgages. Our current mortgage is held by XXXX XXXX. We have met all NFCU criteria. We have provided all information as requested. All information, substantial assets, and employment have been verified. The loan is showing as approved on both my wifes and my NFCU log in screen ( for days ). A closing estimate has been provided. All borrower information has been verified. NFCU ( without notice or consent ) has changed my lien holder with XXXX to NFCU. Money has been spent for appraisals and credit reports. There is no mention whatsoever in application documents, NFCU policy, or the NFCU website regarding denials/non-qualifications based on race, national origin, citizenship, or other. And, most importantly, my wife and I are both long-standing NFCU members. This is a simple 50 % XXXX loan, with borrowers who have outstanding credit, verified income, and significant reserve funds that could pay off the loan at any time. The following NFCU supervisors have been contacted regarding this matter and have refused to respond : XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), Summer Wise ( XXXX Ext. XXXX, XXXX ). Thank you for your attention to this matter and I look forward to your response. V/r, XXXX XXXX | ||||||
| 09/10/2016 | Yes |
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| On XXXX XXXX, 2016 I applied for a Navy Federal Credit Card online in which I requested a balance transfer for XXXX in hopes that I 'd receive a 0 % interest rate card to pay off my loan and credit card faster. I received correspondence from Navy Federal on XXXX/XXXX/16 that the balance transfer for the Navy Federal loan would n't be processed because it could only be made from other financial institutions. I received the Navy Federal credit card on XXXX/XXXX/2016. On XXXX/XXXX/2016, I reviewed the interest rate and discovered it was 15.40 % with an available balance of {$6500.00} so, I contacted XXXX to cancel the remaining balance transfer for XXXX credit card which has an interest rate of 3 %. I was advised the transfer would be cancelled. I called back on XXXX/XXXX/16 for verification that the balance transfer was cancelled because the online account showed XXXX pending in which the representative XXXX stated he would send out the balance transfer cancellation request via email ( XXXX/XXXX/16 ). On XXXX/XXXX/16 I received a call from XXXX from XXXX which, he denoted he had some email problems but received response back stating the balance transfer was electronically processed on XXXX/XXXX/16 to XXXX and I would need to contact the company to have them return the electronic funds. Did you not see in your notes when you typed my cancellation request that it was processed and posted on the same day? On XXXX/XXXX/16 I contacted XXXX and spoke to representative XXXX who transferred me to XXXX with Executive Resolution Team who was wonderful but stated the balance transfer could n't be sent back or reversed it would be an applied payment. I immediately called Navy Federal back and spoke to XXXX again and inquired as to why he did n't utilize other options if he was aware my intent was to cancel the balance transfer. XXXX stated, " He would process a recall submission of the balance transfer which is no guarantee and takes XXXX weeks. '' I requested a supervisor. He transferred me to XXXX who was not empathetic and offered up a bunch of excuses. She proceeded to tell me the representatives take calls and ca n't address all the emails when I asked her if he received a response back why I was n't notified in a timely manner XXXX/XXXX/16. She stated, " You had 10 days to cancel the balance transfer. '' I advised her that I never received or seen any disclaimer that denoted I had 10 days to cancel. Also, ten days from which date the application date, the processing date, or the date I received the card. In addition, does the 10 days include the weekend? She told me that XXXX might not return the electronic payment but I could transfer the balance back. If I transfer the balance will Navy Federal pay the balance fees? Her response was " no ''. I informed her that if I had immediately received information to let me know what my interest rate was going to be I would have cancelled immediately. Now, Navy Federal has caused me to pay more in interest fees which will take even longer to pay -off. I want Navy Federal to reverse my balance transfer. If not, pay the balance transfer fees, accrued interest, and match the 3 % interest that my XXXX credit card has until the card is paid off. | ||||||
| 07/07/2022 | Yes |
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| XXXX XX/XX/2022 my mom and I went to the NFCU on XXXX XXXX to deposit {$3500.00}. We counted XXXX singles before we put it in the ATM at the ATM should be on camera for sure. Put my pin in and deposited the money. It took a while to count then it came up {$2500.00} counted. My mom and I said thats not right wheres the other {$1000.00}. I hit cancel and my mom went in the branch going off a little because it took the money. I still at the ATM. My mom approached XXXX the branch manager and they had words. He was VERY rude to her and disrespectful he thought she was a child or a friend of mines. I then came in and we deposited the {$3500.00} cash at the teller and still was explaining to them what happened XXXX came over and tried apologizing to us for being so rude and disrespectful once he realized that was my mother. In the branch we explained to XXXX what happened and showed him the {$2500.00} and the {$1000.00} was missing. He said calm down he does the ATM count himself on Monday and will credit my account Monday dont worry. Monday came didnt hear from XXXX at all. Im called the XXXX number Tuesday morning to follow up and explained I was concerned bc XXXX didnt even call to say anything about my money. I explained on the phone what happened and they put me on hold contracted the branch they said and said they were working on it. A few days later I called the XXXX number again yo follow up and they said they didnt know what was going on that they had the wrong ATM on there. Then they said they noted it all and will follow up with XXXX. A few days later I called again and they said XXXX was still working on it by now it was 2 weeks passed. Another few days I called AGAIN I called from out the country with my mom on the phone and they claimed they DIDNT have any records of any money missing and this was really really concerning to me. They told me to file a fraud transaction dispute that Monday XX/XX/XXXX when that made no sense to me when it was a dispute transaction issue with the ATM. Friday my mom and I went up to the branch and sat with XXXX and Will I believe and explained to them everything. XXXX acted like he didnt remember a thing. Which was surprising. We then explained to Tge other guy and he had no knowledge of what was going on. He said he got the claim and just rejected it bc they didnt find {$3500.00} I said it wasnt {$3500.00} it was {$1000.00}. He said after an hour Im the office XXXX n XXXX said they was submitting another claim. By the time we got home which was 10 mins XXXX had called on my cellphone saying it was denied! How is that possible??? And that is not protocol at all. I think someone there took my money bc it took NFCU weeks to correctly file the claim but XXXX had assured us he was counting the ATM that Monday and we never heard anything from him at all. My money is gone and missing. My mom is a XXXX and she is really upset how this bank handled this. My {$1000.00} is in that ATM or someone took it its that simple. we need the camera footage and NFCU is not cooperating with us. It should not take a whole money for a ATM transact dispute. Someone has my money and I got an eviction letter because of this. I need help. Please ( XXXX ) XXXX | ||||||
| 03/18/2022 | Yes |
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Web | Servicemember |
| This complaint is to the attention of Consumer Financial Protection Bureau, Navy Federal Credit Union and XXXX : On XX/XX/XXXX, I started the process to purchase an investment property through a lending company outside of my current mortgage company in whom is Navy Federal Credit Union. I felt really good about being approved considering my credit score was in good shape and I had cash reserves to cover a substantial down payment. After inquiring about the status of my loan on this same day, the loan officer of the new lending company reached out to me stating that based off of my credit report, I was still actively in deferred status and that they couldnt approve me for a loan while payments on my mortgage were deferred. I was totally shocked and confused as to why I was still in deferred status with Navy Federal Credit Union. I called my bank inquiring why my mortgage payments were currently in the deferred status Side note : up until XXXX of XXXX, I was under the XXXX Mortgage forbearance program for a maximum of 18 months. Right before or in the midsts of the XXXX month ( XX/XX/XXXX ), I called a representative to see if I could have an extension on having my deferred payments extended. The representative stated that I was reaching the end of the maximum timeframe allowed to have payments extended and that I would receive a call back discussing the decision on if I was denied or not. All within that same month, I was apparently denied the extension to have payments deferred. From my understanding with the initial phone call on the beginning of XXXX, the representative did not properly communicate to me how to proceed after being denied and if I would remain in deferment after denial. I was told I would get a call back to discuss my denial and how to move forward. I received no call back, no email on the denial decision and no instructions at all on how to make a payment moving forward, if my payments would go towards my balance or deferred balance, my payment options, or if I was still in the deferred payments status. I literally found out XX/XX/XXXX that I was still currently in the deferment status and now can not purchase a property due to this situation. Since XXXX of XXXX, Ive made on-time payments while being under the impression that I was back to making normal payments to Navy Federal Credit Union- just to find out that my payments were being applied to the amount ( XXXX ) that were deferred. I still have yet to be provided any documentation in reference to my denial letter, no reminders or any communication about the status XXXX in in regards to making payments to Navy Federal Credit Union and are now very confused on what Navy Federals intentions are with me. The representatives and supervisors that Ive spoken with this week at NFCU has yet to take any accountability for their lack of communication, care, and direction for me as the consumer dating back to XX/XX/XXXX. Ive gathered from this situation that they were making me feel as though they were trying to get me to look over the possibility of them failing to disclose very important details of my mortgage and wanted me to proceed with moving forward while in the midst of this debacle. | ||||||
| 04/27/2018 | Yes |
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Web | Older American, Servicemember |
| Subject : Request For Refinancing of House mortgage with Navy Federal Credit Union ( NFCU ) Application number XXXX for VA limit of {$450000.00} Loan official : XXXX XXXX XXXX ext XXXX Florida XX/XX/XXXX I applied to refinance my VA Loan with Navy Federal Credit Union ( NFCU ) at 3.85 % no points. NFCU denied my loan request based on insufficient. income and excessive Obligations. MY credit score is XXXX and have over {$900000.00} in XXXX and Federal Thrift Saving Plan ( TSP ) stocks, bonds, and mutual funds and TSP. Also XXXX XXXX of .999 pure gold in safe deposit box. Of the $ XXXX I have approx. $ 6000/every mo automatically withdrawn from XXXX every month to NFCU and XXXX XXXX XXXX XXXX XXXX ( XXXX ). In addition, I also have SS, XXXX XXXX pension, XXXX XXXX XXXX and $ XXXX/mo. VA XXXX for XXXX war. totaling XXXX/yr I sent them Tax returns, all documentation required. $ XXXX +XXXX = XXXX Income that should be counted towards obligations Plus I still have the XXXX in my assets. XXXX XXXX 's Supervisor advised me she will not even explain to me what standards they use to determine who they loan money. Just to resubmit a loan application at a much high interest rate 4.25 % vs 3.8 % when I applied. Supervisor also said they may have made a mistake but could not disclose. I suspect they made an error because when I spoke with XXXX XXXX 's Supervisor, she told me she will not disclose anything about the evaluation process to me, what standards they use. Example : she said she don't know the guidelines and I am not allowed to talk to the underwriter to ask any questions So I have no choice but to get you involved. I asked her Is 30 % the standard for loans? 40 % for total debt? She refused to even discuss anything about the process and my time for appeal has expired ( I had a death in the family and had to go to Tenn. to take care of matters ) she passed away suddenly. 3 pack a day smoker ) she said there is no extensions or waiver for a loved ones death. Original 100 % loan amount $ XXXX XX/XX/XXXX ( VA appraisal was {$410.00} XXXX ) Real estate agent said in XX/XX/XXXX MINIMUM sale price should be XXXX and a fair market value of XXXX is very realistic Many upgrades completed such as new real hardwood floors, new carpet, new paint, landscaping, and much much more so make XXXX should be no problem There are many data points indicating 1-Does n't sound like they know what they are doing, not fully competent for their job. 2- They are discriminating against me because I am XXXX yrs old, 3- just trying to increase my interest rate. It appears maybe 4- Maybe they didn't count my XXXX yr automatic withdrawals for my retirement and non-retirement accounts Again she would not even explain that. Almost like she was hiding something I have documented enough money in accounts everywhere totaling $ XXXX. 5- When I asked how is it I was approved for in XX/XX/XXXX for XXXX but not XXXX with upgrades? Again the supervisor refused to even discuss this. 6- The only obligations I have is my house payment and car loan $ XXXX I owe about XXXX and retail value is about XXXX. XXXX XXXX XXXX Best contact is XXXX XXXX at XXXX ext XXXX he is suppose to be the loan official | ||||||
| 12/06/2022 | Yes |
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| In XXXX of XXXX ( XX/XX/XXXX, I believe ), I checked my online banking app from home only to find that someone had been using my card throughout the day, racking up {$1100.00} in fraudulent charges. I had not left my house all day and all of these charges were made in-person, by persons unknown to me. I was not aware that my card was not in my possession on the day these charges were made because I very rarely left the house between XX/XX/XXXX through XX/XX/XXXX due to XXXX and my XXXX. At the time, I worked from XXXX and typically only left the house XXXX times per week to check on my grandmother and to pick up groceries and other items I ordered with my card online. I did not and still do not go into stores to shop. I noticed I did not have my card in my purse the day before these charges were made, but I had gone to the hardware store a day or two before and put the card in my sweatpants so I assumed it fell out of my pocket in my car ( as has happened before ). I checked the Navy Federal app that same night and saw no activity so I assumed the card was somewhere I could easily find it and did not call Navy Federal about it because getting my card replaced the last time I lost it was so cumbersome and inconvenient. However, upon seeing these charges the next evening, I realized that my card had been lost somewhere in the public space and that someone else had picked it up and was using it at various locations in the area, and also using it to pay for XXXX rides between these locatons. I have not used XXXX to catch a ride in six years. I immediately called Navy Federal as soon as I saw these charges on my mobile app and asked my card be cancelled. The representative I spoke to was very dismissive when I asked what other recourse I had besides the card being cancelled. They told me to call back after the charges were approved and no longer pending in order to dispute the charges and recoup the money that was spent. I made that phone call on XX/XX/XXXX and was told I would receive a provisional credit while the matter was investigated. The bank then snatched these funds back on XX/XX/XXXX, leaving me out nearly an entire month 's rent under the false pretense that the card had been in my possession when the charges were made, despite my clear explanation that I had not left the house, had no reason to suspect my card was not in my possession prior to seeing that fraudulent charges were made, and despite the fact that the locations and spending patterns associated with that day are nothing like any other spending I had ever done in my two decades of having a Navy Federal account, much less in the 1.5 years prior to this incident, as the majority of my shopping has been via online transactions. I reached back out to Navy Federal on XX/XX/XXXX ( when I was notified ) to appeal the decision and later, to request the audio recordings of my conversations with Navy Federal representatives that led them to allege that the card had been in my possession. The email I sent them on XX/XX/XXXX to document this and request the audio was not only ignored, but then Navy Federal enrolled me in low balance alerts for my checking account without my knowledge or permission. | ||||||
| 06/24/2019 | Yes |
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| Misleading and lack of information between consumer and lender. 1.After receiving repeated calls from to Navy Federal collections in XX/XX/2019, lender decided he was being submerged with debt, fees owed to garage service in conjunction with making monthly payments to the bank. 2. Lender decided to call Navy Federal to start a voluntary repossesion, which was done on XX/XX/2019. Proceedings were put in place on XX/XX/XXXX. However nothing was put in place by Navy Federal and the lender as a legal agreement pertaining to such. No letters to sign or certified mail. 3. Meanwhile lender still receiving phone calls from collections that the loan was in good standing. And he still kept insisting that they come to pick the vehicle up from the garage because he was turning the vehicle in. 4. After calling the bank about three weeks later because it was still at the garge, Navy Federal decided they did not want the vehicle because it was an older vehicle and they would have to pay the garage storage fees and repair fees to take possesion of the vehicle. XX/XX/XXXX Navy Federal gave the vehicle to a recovery service, which forced the garage owner to take out a title lend against the vehicle. 5. Most embrassing after lender explained in XXXX the vehicle was at the garage because the shop owner was holding the keys with the intention that Navy Federal would secure the debt owed to him for repairs and storage fees. They had no intention from XX/XX/XXXX to take the car. 6. Aprox. XXXX XXXX the recovery service went to every family home in the neighborhood looking for the vehicle at a physical home address as if the lender was hiding the car or a liar about where it was stored and that was poor communication on Navy Federal 's part and an embrassment to the lender when it had been at the garage locked in storage since the day of repair. 7. Last complaint against Navy Federal, is that better measure could have taken place on their part. Having legal documentation saying they would or would not take possession of the vehicle. Not to give the lender false expections that they would accept the car in XXXX. Making a financial decision they did not want the vehicle and also not contacting the shop owner to say they would not be surrendering the car and they would pay his fees. The lender did not have proper communication with the bank and the shop to allow him to make other arrangements before he was totally without the car and the astronomical outstanding bills and still a car loan to pay back. Fees as follows {$790.00} Repairs, {$3400.00} Storage Fees, {$600.00} Recovery. How can a reputable business such as Navy Federal leave someone blinded to the fact that they don't care about you as a consumer. You lose your car and we don't want it, also it is our intention for you to pay us back. Your lost not our 's. Bad business practice on their part. The lender could have made arrangements with family to pay for the repairs at least the vehicle would have not sat at the garage accumulating the fees. What a disgrace the car was turned over to the XXXX XXXX XXXX XX/XX/XXXX, located in XXXX MD because of a mechanics lien and auctioned off on XX/XX/XXXX at the garage. | ||||||
| 08/03/2022 | Yes |
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| On XX/XX/XXXX I consulted with Navy Federal Credit Union, which I have been a member since XXXX, before applying to inquire about a mortgage. I specifically wanted to if my student loans ( which are in good standing ) would keep me from getting a loan. After speaking to a representative for approximately 20-30 minutes and him advising me that I should not have any problems since I had never been in default. I then applied and was pre-approved for a {$370000.00} mortgage based off of my based off of my debt to income ratio to include my student loans ( I have a copy of the pre-approval letter ). I found a condo ( new build ) that turned out to be less than the amount that I was originally pre-approved for ... the amount of the condo is {$340000.00}. After 21 days and fulfilling requests made by NFCU ( adding additional money to the down payment ( additional {$500.00} to already {$18000.00} down ) as well as paying off additional credit cards ), they denied me saying that my debt to income ratio was too high. It makes no sense to me that I can be pre-approved at a larger dollar amount ( {$370000.00} ) with a higher interest ( 7.5 % ) rate on XX/XX/XXXX and then no longer qualify ( denied ) with a smaller loan amount of {$340000.00} and a lower interest rate of ( approximately 5.5 % ). I don't understand how both decisions that have been made have been done with the same documentation. When I applied for the mortgage loan on XXXX XXXX the questions that I asked which granted me the pre-approval were the exact same ; one in particular, my student loans. Currently everyone who has a student loan is in forbearance ( COVID relief ) with a zero payment ... ending on XX/XX/XXXX in which everyone will begin repaying on XXXX XXXX unless the President extends it. At that time, my Income Driven Repayment plan will begin, also at a XXXX payment. This was applied for and approved through the Financial Student Aid government website. The Navy Federal Credit Union ( NFCU ) requested that I get a letter from XXXX XXXX showing that my monthly payments will be zero... which I did. In fact, you've ( NFCU ) has requested that I pay an additional amount into my escrow... which I did ; NFCU requested that I pay off additional credit cards... which I did. All of this took place within 20 days or so ; at the same time that I am packing to relocate to VA to start my new job. One of the main issues with this is that I relocated to another state for a new job... so this is all on a timeline and the condo that I had selected was to be done in XXXX which is the approximate date that i had given the movers to deliver my things. Now that NFCU has now denied me, it has put me at a terrible inconvenience and have now inconvenienced others because of their last minute decision. I've gotten rid of furniture that I would need if I had decided to rent ( again ). I've been a member of NFCU since XXXX and since then, I've applied and approved for an auto loan ... at that time my student loans were much more ( I later decided not to refinance my car through the credit union ) ... NFCU has never had any issues with me or my accounts. I am so disappointed with how this has been handled. | ||||||
| 11/18/2015 | Yes |
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Web | Servicemember |
| On or about XXXX XXXX, 2015, my wife and I called Navy Federal Credit Union ( NFCU ) to see if my pay check had been deposited into the account yet. When we called, the NFCU representative told us that our account had a negative balance. After inquiring why, they informed us that a check for {$1500.00} had not cleared and bounced, so they were taking the money from our account. They told us that someone had deposited a check electronically and removed the money from our account. We informed them that my family does not use checks, and the only money we put into our account is from Federal Agencies ( pay checks ). Then we found out what we needed to do to dispute this fraudulent activity. NFCU told us that if we went and got a police report and brought it in we would be refunded in less than 48 hours. After obtaining the police report we brought it in to the branch in XXXX, GA. They said okay it will be refunded in less than 48 hours. 48 hours passed with no action. So three days later we called. Then we were informed that a gentleman and myself, XXXX XXXX, had showed up with the check at the branch in XXXX Georgia on XXXX XXXX, 2015, went to the counter and made the transaction. So therefore they would deny the fraud claim. But they stated they wanted an affidavit saying that I was not present in the location on XXXX XXXX, 2015, because they wanted to look at the cameras to see if it was actually me that showed up in the branch. We completed the Affidavit and gave it to the branch, but they refused to accept this affidavit and wanted me to sign XXXX provided by them. The next day our claim was denied again. When we called to learn why they had denied our claim again, they told us that the man had come into the branch alone on XXXX XXXX, 2015, and that he was to deposit a check into our account and withdraw the cash value of the check. The check was made out for {$1500.00} and was made out to me. They said that NFCU called me to receive authority for the transaction to take place and that I authorized it. I did not receive a phone call from them and I did not authorize the transaction, but NFCU used their story to deny our claim again. After this denial, NFCU confiscated XXXX of my pay checks, as well as my children 's savings accounts and froze our account. The freeze stopped XXXX automatic payments from being withdrawn from the account to pay for XXXX loans we hold with Navy Federal, and has resulted in us falling behind on those payments. On XXXX XXXX, 2015, I met with a legal assistance attorney in the XXXX Office. He called NFCU with me and NFCU told us that they had a recording of my authorization for the fraudulent transaction to take place and that therefore I was a party to the fraud and NFCU would not reimburse my funds. NFCU told the legal assistance attorney that they would not release the telephone recording without a subpoena despite that being the sole reason they denied my fraud claim and the fact that I disputed ever authorizing the transaction to take place whether on the phone or otherwise. As you can see, I was the victim of a theft of all my private information from the OMP records, so that may have contributed to my situation | ||||||
| 02/17/2022 | Yes |
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| Dear CFPB, The following details describe how a {$60000.00} charge was added to our refinance the day before the application expired, despite written assurances, including the Loan Estimate ( LE ), that the lender would waive this cost. We started a refinance application process with our current lender, Navy Federal Credit Union ( NFCU ), on or about XX/XX/XXXX. Our current mortgage balance was approximately {$730000.00}. And we had previously been on Covid forbearance, which deferred about {$60000.00} in additional payments. Our lender first issued a LE in approximately early XXXX of XXXX for a loan of approximately {$810000.00}, which included the principal, deferred payments, and closing costs. However, we expressed that may not be interested in the loan at those rates and closing costs if we were forced to refinance the deferred Covid payments in addition to the principal and we had planned to look elsewhere for better terms. At this point, our Loan Officer ( LO ) from NFCU stated that he would run this up the ladder to see if we could be given a better deal and stick with NFCU. After approximately another month, our LO indicated he had consulted with management and they decided that if we were to refinance with them, they would waive the {$60000.00} in deferred Covid payments. This email exchange is included here. On XX/XX/XXXX, NFCU issued us a new LE for approximately {$750000.00} ( $ XXXX principal plus closing costs ) and we agreed to proceed. That LE is provided here. Throughout the rest of XXXX and XXXX we continued to ask about the status of our loan. We had promptly submitted all requested documentation but we did not hear from MFCU for some time. In XXXX, they contacted us and told us things were delayed because they had an excess of mortgages applications to process compared to their usual level. Our application was set to expire on XX/XX/XXXX. On approximately XX/XX/XXXX, we were contacted by NFCU saying they reversed their decision about waiving the covid deferment payments that and we would have to come up with {$60000.00} by the next business day. They reissued their original loan estimate for {$810000.00}. We have been trying to work out a solution with NFCU but they appear unwilling to budge. We have explained the facts of the situation, which they do not appear to dispute. They just say they changed their mind. However we are a severe disadvantage now in shopping around because interest rates have gone up substantially since XXXX. We offered a compromise that wed refinance the whole amount if they give us a slight reduction in interest rate and waive closing costs. They followed up our offer with another email stating that we needed to come up with {$60000.00} cash, effectively declining our offer. NFCU is our current mortgage lender and knew full well our balance. There was no change in circumstance in XXXX of XXXX that would justify their adding {$60000.00} to their XXXX LE. What did change is that now we are in no position to bargain or look elsewhere. Receiving a surprise {$60000.00} charge with one business day notice is a textbook example of why consumer lending laws exist. Thank you for your help in resolving this. | ||||||
| 01/27/2022 | Yes |
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| To Whom it may concern, My personal bank withdrew a payment from my checking account according to the date the payment was to post to the biller, with sufficient funds to process the payment requested. My bank, NFCU, uses XXXX to process payments, and according to NFCU XXXX did not produce the check timely to the biller, XXXX XXXX XXXX XXXX, the payment was requested to be sent to. For example, the payment was withdrawn from my NFCU checking account XX/XX/XXXX, the payment due date to XXXX XXXX XXXX XXXX was XX/XX/XXXX. XX/XX/XXXX I was notified by XXXX XXXX XXXX XXXX the payment had not been received. I was in contact with NFCU, who could not explain the reason XXXX did not process the check to date. NFCU refunded my XX/XX/XXXX withdrawal on XX/XX/XXXX, as well as refunded the late fee XXXX XXXX XXXX XXXX assessed to my account. On XX/XX/XXXX, after receiving the refund from NFCU, I submitted the payment to XXXX XXXX XXXX XXXX for the XX/XX/XXXX late payment as well as the late fee incurred. To avoid any delay in payment, payments were processed to XXXX XXXX XXXX XXXX, on XX/XX/XXXX, using their online portal. I received a letter of Good Faith from NFCU, XXXX to submit to XXXX XXXX XXXX XXXX XXXX the biller. After the letter was submitted by myself, and NFCU, to XXXX XXXX XXXX XXXX requesting acceptance of the Good Faith letter to lift the credit reporting delinquency XXXX XXXX XXXX XXXX XXXX would not accept/process the Good Faith letter to where NFCU indicates they were to deliver the payment to XXXX XXXX XXXX XXXX by XX/XX/XXXX. After numerous calls to XXXX XXXX XXXX XXXX, the delinquency remains on my credit report. Please note the Good Faith letter from NFCU CheckFree/Fiserv notes my XXXX XXXX XXXX XXXX account number under my name. A request was made to where I asked assistance from NFCU months later, asking they further reach out to XXXX XXXX XXXX XXXX, identifying the error of payment was on their part, with no avail. Due to the lack of cooperation from both banks, this reduced my credit score to the point I was unable to co-sign for a student loan for my child 's second year of college in the fall of XXXX, which was not an issue the year prior due to a good credit score. NFCU was advised of this adverse event caused by their delinquency of processing my payment timely, to where no further assistance was provided on behalf of NFCU to clear this matter. I am providing bank records, showing adequate funds were available at the time of the request to process the payment from my NFCU checking account according to the date requested to pay XXXX XXXX XXXX XXXX on XX/XX/XXXX. In addition to providing those documents, it's noted in my bank records where NFCU refunded the requested payment from XX/XX/XXXX ( for the XXXX XXXX XXXX XXXX payment ) as well as refunding the late fee XXXX XXXX XXXX XXXX charged to my account. Documents included in the submission will also show a snapshot of my XXXX report showing an excellent payment history ( no delinquency ) with this lender, XXXX XXXX XXXX XXXX, as well as XXXX XXXX XXXX statements reflecting those payment corrections within a timely manner after the issue was identified for that time frame. | ||||||
| 05/20/2016 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union simply dropped the ball on our mortgage, which is but my family in a bad situation and cost me money. Their communication and sense of urgency is simply appalling. We applied for our mortgage three months before closing and had all our paperwork done two months out. During this time I asked for updates and verification that all documents were going to go and I was either ignored, provided a poor update on status, or told yep, it 's all good to go. Come the week of closing they started requesting more paperwork and then tried to place the blame on me, despite them doing nothing for over six weeks. Today ( XX/XX/2016 ) is supposed to be our closing date and as of right now we have no closing date in sight. Timeline of events below : XX/XX/2016 : Initiated mortgage process XX/XX/2016 : Paperwork complete, closed out process with Loan Officer - XXXX XXXX, began working with Mortgage Processor - XXXX XXXX XX/XX/2016 : Additionally paperwork requested - statement of service and intent to re-enlist XX/XX/2016 : Documents provided - no feedback was given XX/XX/2016 : Moved closing date on sale of current home up to XX/XX/2016 at a cost of {$400.00} as I needed to maintain possession through XX/XX/2016. This was done because NFCU instructed me I needed 3-5 between closings due to TRID. Originally scheduled for XX/XX/2016, wanted to do both closings concurrently. XX/XX/2016 : Requested verification docs were correct and verification closing on XX/XX/2016 was good to go XX/XX/2016 : Again, asked for update on status and any issues. Received notice closing date could be an issue, no concerns voiced with any other paperwork. VA to blame for issues ( COE ) with closing date per XXXX XX/XX/2016 : I contacted VA direct. They said they 'd take care of issues. XX/XX/2016 : Update from NFCU, should be able to meet closing date of XX/XX/2016, XX/XX/2016 at the latest. XX/XX/2016 : Statement of service requested again and immediately provided - no feedback was given. XX/XX/2016 : Status update requested by me XX/XX/2016 : New ( and different ) statement of service/pay verification requested, additionally employment information for wife requested, and HUD from closing of current home XX/XX/2016 : Employment info provided and contact for realtor provided ( already previously provided ) to get HUD info XX/XX/2016 : Requested pay verification provided XX/XX/2016 : Provided new closing date of either XX/XX/XXXX-XX/XX/XXXX at the earliest. XX/XX/2016 : Today. Originally scheduled closing date. No one can provide my with closing date. My movers have no where to go because I currently do not own a home, Every time my wife and I have both contacted our l mortgage processor his responses take days, not hours. We 've tried to go above him and contact his supervisor, but he has failed to respond as well. Navy Federal has put us in an overall bad situation because of their shortfalls, but at this point we are stuck with them as there is no time to switch banks without losing our house. Additionally, I 'm out {$400.00} that I did n't need to spend as I moved up the sale of my current home in order to close on my new home today, which will not be happening | ||||||
| 05/05/2015 | Yes |
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Web | |
| I have a vehicle loan through Navy Federal Credit Union. My vehicle has had some mechanical issues that would cost thousands of dollars to repair. I reached out to Navy Federal to see if they would be able to defer a couple months payments due to these issues. I was only going to be given 1 month, not enough time to pay for the repairs. I reached out to them to see if they would be able to loan the money out for the repair and add to the balance of my loan and was denied. I attempted to trade the vehicle, with no luck due to negative equity. I made the hard decision to turn in my vehicle as a voluntary repossession. I talked to a representative in the voluntary repossession department who was extremely rude and demeaning. The agent suggested that I try to sell the vehicle to get rid of it as they wanted their money and that they did not want a truck that was not working, it had no value to them. The agent suggested that I try to sell it to a dealership or private party. Per North Carolina law, I can not sell a vehicle to a private party if I do not have the title to. I let the agent know that I have tried to trade the vehicle and no one will take it. I let the agent know that I know what I am getting myself into as far as a voluntary repo. I advised the agent that I have reached out to them before for help to avoid this, but got know where. The agent stated that the reason was probably due to bad credit and that if they pulled my credit report that they would see that I am passed due on other things. I told the agent that I did n't give them consent to run my credit right now and that I do have some credit issues due to a divorce, however that was none of their concern. The agent then pulled up my credit card account which is through them as well and was current, the next payment would be due in a week. The agent asked me what I intended about the credit card. I advised them that payment was not due for another couple days and that has nothing to do with what we were talking about now. The agent started to raise their voice and tell me that I need to try to sell it before doing a repo. I told the agent again that I do n't want the vehicle, that I am wanting to turn it in. The agent kept repeating that I do n't know what I am getting myself into, that they will continue to pursue me legally. I told the agent that I know what I am doing as far as the voluntary repossession and that I intend to pay the deficiency balance. I advised that my fianc works in this field and we have talked at length in regards to this. The agent then asked they will let you do this? I advised that this was my decision and wanted to turn it in. The agent continued to raise their voice and said well if you have made your decision and can not be talked out of it, you will be receiving some mail from Navy Federal and to have a wonderful blessed day. The agent did not confirm the address that the vehicle was at since the mailing address is different. I got off the phone feeling completely worthless. This decision was already tough and to have the tables completely turned around to make me look like a bad person is terrible. I am making this decision because there is no other choice. | ||||||
| 07/12/2019 | Yes |
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| Im filing a complain in regards to XXXX. Pryor to XX/XX/2019 every time I log in to my XXXX account either to buy or send money I made sure I had enough money in my account. Also there were never any indication that I owed XXXX any money. I log on so many times never I saw I owed them money. On XX/XX/XXXX I check my money market with NFCU because I have an allotment that goes in the account to pay for debt consolidation. That debt consolidation or required from my husbands work. I have missed 2 payments because of what XXXX did to my account. If were not able to cover those 2 missed payment my husband will at risk of loosing his job since he is a government employee. There is no money in that account only the allotment every 2 weeks that comes in to pay for are consolidation. On XX/XX/2019 XXXX went into my money market account 15 times. ACH transactions, ranging from .XXXXcents to .XXXXcents. NFCU charge my account 15 times {$29.00} of returned check fee. XX/XX/2019 XXXX ACH into money market - 25 times. NFCU - charge me 25 NSF fee of {$29.00} XX/XX/2019 XXXX ACH into money market 8 times. NFCU - charge me 8 NSF check fee {$29.00}. XXXX XXXX ACH into money market 23 times. NFCU charge me 23 NSF fee {$29.00}. On XX/XX/XXXX log in to my NFCU account to check if I still needed to add to the {$400.00} that came in to pay my bill. But all I saw is that it was negative and the {$400.00} hundred was gone and went towards the charges. I then called XXXX but that was a nightmare. I kept on explaining to them that my money wasnt my prepared payment that they dont have the right to go into that account. But they werent hearing what I was saying like talking to a robot. So I called NFCU to try and plead with them but there was nothing they can do because XXXX has done this to me before but it was only {$300.00} plus and NFCU remove all the charges. So I had put a stop payment for 1 month in regards to XXXX. XX/XX/2019 XXXX went to into money market 31 times. NFCU charge me 31 NSF check fees {$29.00}. I called XXXX again but just the beginning of the conversation I knew they were gon na try and work something out. With frustration I just hang up the phone. I then called NFCU to try and plead with them again because my husband got a warning from work because we missed a payment. and we were practically home less as we just lost are home. So NFCU decided to take {$630.00} worth of charges off. I was very thankful but there was still a lot that I owe. The allotment that was coming in that we could of used for shelter went towards the charges. I also had question NFCU why XXXX was able to still run ACH transaction when I have put a stop payment for XXXX. XX/XX/2019. It was 9 times same amounts. NSF charge was 9 {$29.00}. The answer was it was already in process the time that I put the stop payment. The total of all the NSF check fee charge is {$3200.00}. Money I dont and the money that went towards to pay for charges was {$800.00} money we really need. I dont believe I should be responsible for all this fees. Ive reach out to XXXX but it was a waste of time. Reach out to NFCU both times the reps that I spoke with were very kind but the manager could care less. | ||||||
| 08/25/2021 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Navy Federal Credit Union XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX Visa Signature cashRewards Account Ending In : XXXX XXXX out the positive balance of {$5700.00} and update XX/XX/XXXX negative payment history to current Visa Platinum Account Ending In : XXXX XXXX out the positive balance of {$7400.00} and update XX/XX/XXXX negative payment history to current To whom it may concern, I am a consumer, natural person, and original creditor. Navy Federal has violated federal law, as I am a federally protected consumer. Pursuant to FDCPA 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Navy Federal has called me countless of times regarding the allegation of a debt they say I owe. Pursuant to FDCPA 15 USC 1692a ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Navy Federal doesnt have the right to tell a me, the consumer, that I owe any debt because they didnt provide me the five things that constitutes a validation of debt Pursuant to FDCPA 15 USC 1692g. Even with providing me the 5 things that validate a debt is not validating, its an allegation of debt unless I agree. An alleged debt being furnished on my credit report is a violation of FDCPA 15 USC 1692b ( 2 ) it is also advertising to coerce payment as described in FDCPA 15 USC 1692d ( 4 ). I demand that the positive balance on BOTH accounts be XXXX out and that the account REMAINDS OPEN. Pursuant to 15 USC 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Navy Federal written instructions to report a late payment on my credit report. I demand for that those two late payments to be updated to current. I demand to be compensated for damages pursuant to 15 USC 1692k. Pursuant to 15 USC 1611 CRIMINAL LIABILITY FOR WILLING AND KNOWING VIOLATIONS Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. I also demand as stated above, for Visa Signature cashRewards to be XXXX out showing a balance of {$0.00} and to update the negative payment history to current and Visa Platinum to be XXXX out showing a balance of {$0.00} and to update the negative payment history to current. I have attached supporting documents along with the invoice. | ||||||
| 02/26/2018 | Yes |
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Web | |
| This complaint is against Navy Federal Credit Union ( NFCU ) mortgage department. NFCU has violated the Fair Lending Act. On XX/XX/, I qualified and locked for a 15 year fixed refinance mortgage loan using the NFCU online loan application process. Starting on XX/XX/XXXX, I tried many times to contact my assigned loan officer. On XX/XX/XXXX, NFCUs loan officer finally contacts me back to inform me that there was a computer glitch in the NFCUs software, and my interest rates are higher because the loan is a cash-out refinance loan. NFCU will not honor my locked rate. The locked mortgage loan details that NFCU will not honor : Confirmation # : XXXX Date : XX/XX/ Loan type : Refinance 15 year biweekly ( Primary residence ) XXXX XXXX XXXX mortgage pay-off : {$250000.00} Loan Amount : {$340000.00} Interest Rage and Points : *Rate 3.625 %, Points 1.625 % Origination Fee : 1.0 % Term : 15 years Rate Status : Locked Rate Locked for : 45 days Extended Lock Points : 0.0 *This is the final interest rate based on my credit history and loan to value Im not responsible for the NFCU software glitch. With the NFCU loan application, I provided the payoff amount for my existing XXXX XXXX XXXX mortgage of {$250000.00}. My locked NFCU loan amount is {$340000.00}. By default, when the new loan amount is more than the balance on the existing mortgage, this is a cash-out. By definition, this is a cash-out for everyone, except in my case. Hence, NFCUs excuse of a computer glitch to bump up my rates is in direct violation of the Fair Lending Act. I have simplified the many issues with the lack of customer service, and I have not discussed the major issue with the NFCUs online software automating the mortgage loan application. I provided proof to NFCU that I unsuccessfully attempted to apply for the mortgage loan on XX/XX/. With my proof, NFCU agreed I had sufficient evidence to qualify for the XX/XX/XXXX rates. The rates listed in this complaint is for my locked XX/XX/ locked terms. The NFCU software problem is with their software timeout that does not alert the user. NFCU admitted they know about the issue, and the only reliable internet browser is the XXXX XXXX XXXX ( XXXX ). The recommended XXXX browser is no where on the application site. I was using an XXXX XXXX with latest operating system and the latest XXXX and XXXX browsers. XXXX is not available for the XXXX. Not providing reliable service to XXXX users is also discrimination since XXXX is not available on the XXXX. From XX/XX/XXXX to XX/XX/XXXX, I sent many emails and left many voicemails to my assigned NFCU loan officer without a single return email or phone call. I finally was able to navigate through the NFCU call centers to find a loan manager. Turns out, NFCU had assigned me a loan officer that had already resigned. I need NFCU to honor my locked rates, and start the lock date for 45 days on the day NFCU finally agrees to honor my locked rate and loan terms. Due to major issues and the many hours of wasted time on my part, Im also requesting 0 % closing costs. This is time critical because it is now XX/XX/2018, where I now have only less than 30 days left to close, and XXXX is not responsive. | ||||||
| 12/28/2021 | Yes |
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| On XX/XX/2021 I have sent navy federal a letter regarding billing errors and cease and desist of collection activity, their response dated XX/XX/2021 included an alleged credit card agreement and disclosure contract that they claimed I agreed. This agreement does not have mutual obligations because this contract has not been signed by me nor Navy Federal, no signed copy was provided just a correspondence with agreements so I can not verify that this is valid and pursuant to 15 usc 1692g sending statements is not valid validation of debt " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' On XX/XX/2021 I have also submitted a FTC report regarding Navy Federal defrauding me. Navy Federal has took {$500.00} from me for a " secured '' credit card, pursuant to 15 usc 1605 this is unlawful because anything that has to do with a finance charge is the sum of all charges. Federal law clearly states " The finance charge does not include charges of a type payable in a comparable cash transaction. '' in this case Navy Federal has demanded a downpayment due to defamation of my character and reputation ( consumer report ). As I spoke to a member on increasing the limit I was told that I had to put another {$500.00} down to increase my limit to {$1000.00}. I have an open ended credit plan pursuant to 15 usc 1602 ( j ), It is a shame that Navy Federal has denied me to exercise my right to grant credit which is discrimination pursuant to 15 usc 1691 ( a ) ( 3 ). Navy Federal committed aggravated identity theft by obtaining a loan in my name when I never applied for one. Navy Federal also withheld Truth In Lending disclosures such as my right to rescind this consumer credit transaction pursuant to 15 usc 1635. Upon receiving Navy Federal correspondence I have notice they wanted me to include any consumer reporting agency dispute, which I do have a dispute open with XXXX and XXXX. I have told the consumer reporting agencies that Navy Federal have not gave me opt out disclosures to exercise my right to opt out of all consumer reports nor received a written consent from me which would give Navy Federal permissible purpose to report. Since opt out disclosures were not given, I have demanded that the account be removed and if it does not be removed Navy Federal and whom ever consumer reporting agency will be civilly liable since I have clearly and conspicuously explained why it shall not be reporting according to federal laws. If Navy Federal alleges I gave them permission to report, they will need to provide this documentary edvidance through CFPB and via mail otherwise this account needs to be remove from my consumer report. Lastly, there is a billing error on my credit card account. Every time I log into my app I see a positive checking account and a positive credit card account, If I truly owed someone a debt it will show negative so what I will need is documentary evidence provided through CFPB portal and sent to my place of abode. I am demanding both public and private side of bookkeeping ledgers to be submitted through CFPB portal and sent via mail. | ||||||
| 03/11/2023 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, I went to a car dealership with a pre-approval from Navy Federal. Importantly I purchased the car with the pre-approval in New Jersey, and I am a North Carolina resident. Having paid the title fee, I was told by both the dealership and Navy Federal confirmed that the transfer of the title would be transferred to Navy Federal as required. While Navy Federal changed the initial interest rate from the one shown after the initial purchase should be noted, but it's not the primary concern I'm reporting here. In XX/XX/XXXX, I noticed Navy Federal had increased the rate of the loan to 15.29 % without notifying me of the increase in my rate. When I called Navy Federal in XXXX to inquire, they revealed that they had increased the rate because they had not received the title. I asked again if that was something I was supposed to provide them, and they confirmed that was something they receive in the normal course from the dealership. During the XXXX - XXXX time period, Navy Federal had sent me over 40 emails, almost all of which were marketing emails, but not a single email about the increase in rate or the missing document. Further, in the secure messaging on their own website, there was no message about the predatory increase or the failure of Navy Federal and the dealership to appropriately transfer the title. During this time, I received no phone calls or text messages from Navy Federal. On the phone, they claimed they sent a notification via mail, but I have never received the alleged correspondence. Further, they could not confirm the address they'd provided the notices. They claimed it was for security reasons, but I had already answered all their security questions and been cleared. Even if the " notification '' actually existed, it's obvious they were intentionally avoiding using a reliable communication channel ( email, secure mail, phone, or text messages ). They were not using the same communication tools they use to market their services or provide my typical account notices. On the phone, they told me I had to call the dealership, and there was nothing they could do. The loan would continue at the predatory rate. I called the dealership, XXXX XXXX XXXX in XXXX New Jersey, who confirmed they had appropriately handled the title in XX/XX/XXXX. At no point have I ever had possession of the title. Finally, I had the payments for the car payment set to autopay at the appropriate amount for the original rate. However, when they increased the rate without notifying me, one payment at the new predatory rate, was listed as not fully paid. I had to scramble to make up the {$300.00} in additional monthly interest to try to avoid this affecting my credit report. They have not confirmed that they will not report it as a missed payment on my credit report. Again, I tried to report this to Navy Federal, and they said they could not respond because I'd initiated this request through their mobile app. I notified them I would be contacting the CFPB as I could not resolve this with the bank directly. Please investigate the predatory auto lending practices and lack of appropriate notification at Navy Federal Credit Union. Auto Loan XXXX. | ||||||
| 05/28/2023 | Yes |
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Web | Servicemember |
| I am writing to bring to your attention a matter of significant concern regarding the reporting practices of Navy Federal Credit Union ( hereinafter referred to as " Navy Federal '' ) and the consumer reporting agencies involved in handling my credit information. Despite my repeated attempts to address the inaccuracies in my credit report, Navy Federal and the bureaus have failed to comply with the provisions outlined under the Fair Credit Reporting Act ( FCRA ). Therefore, I am seeking your assistance in rectifying this matter and ensuring proper adherence to the law. Under the 15 U.S. Code 1681i of the FCRA, it is clearly stated that the responsibilities of furnishers of information to consumer reporting agencies include conducting a reasonable reinvestigation in response to a consumer 's dispute. I have disputed the accuracy and completeness of the information related to my Navy Federal accounts on numerous occasions, specifically account numbers XXXX XXXX XXXX XXXX Despite my repeated attempts to resolve these discrepancies, Navy Federal and the consumer reporting agencies have failed to rectify the inaccuracies in a timely manner, as mandated by the FCRA. This erroneous reporting has had a detrimental impact on my ability to access credit and provide for my family 's needs. Enclosed with this letter, you will find a XXXX XXXX compliance letter detailing the specific discrepancies and errors present in my credit report related to the aforementioned Navy Federal accounts. These discrepancies not only compromise the accuracy of my credit profile but also violate my rights as a consumer under the FCRA. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure compliance with the FCRA by Navy Federal and the consumer reporting agencies involved. Specifically, I urge you to enforce the provisions of the FCRA that require the prompt and accurate investigation and correction of disputed information. In light of the aforementioned issues, I request that the following actions be taken : Conduct a thorough investigation into the inaccurate reporting of my Navy Federal accounts and the subsequent failure to comply with my disputes. Ensure that Navy Federal and the consumer reporting agencies fulfill their obligations under the FCRA by promptly and accurately updating my credit report to reflect the correct information. Provide me with a written response detailing the results of the investigation and the actions taken to rectify the inaccuracies in my credit report. I believe that by addressing these concerns and holding Navy Federal and the consumer reporting agencies accountable for their non-compliance, we can help ensure fair and accurate credit reporting practices. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to protect my rights as a consumer and enforce the provisions of the FCRA. Please feel free to contact me if any further information or documentation is required to support my complaint. I look forward to a prompt resolution of this matter. Best Regards, XXXX XXXX XXXX | ||||||
| 05/10/2023 | Yes |
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Web | Servicemember |
| Account number ending in XXXX. This alleged debt was sold to XXXX XXXX, XXXX and still reports that it is owed to Navy Federal Credit Union. How is that possible? How is there a past due balance on a charged off account? How is there a balance at all? Navy Federal Credit Union violated my rights as a consumer. 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. I was told I owed an alleged debt and have proof, and this is a violation of 15 U.S.Code 1692b ( 2 ). Navy Federal Credit Union has included its symbol while attempting to collect a debt and this is a violation of 15 U.S.Code 1692b ( 5 ). Navy Federal Credit Union can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Navy Federal Credit Union has communicated with all caps name principal obligor, { XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 1692c ( b ). The false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). How can Navy Federal Credit Union allege that I owe a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay a positive amount? This amount appears as if it was owed to me. Navy Federal Credit Union violated 15 U.S.Code 1692f ( 8 ) as there can be no symbols on the outside or inside the mails in the attempt of collection of any debts. I am aware, when debt is not secured by real property, Navy Federal Credit Union can only sue if the contract authorizes the ability for the debt collector to sue the affiant. I did not sign to any such contract to authorize a lawsuit against me, and this legal action is a violation of 15 U.S.Code 1692i ( a ) ( 2 ). I am also aware, according to 15 U.S.Code 1692i ( b ) Navy Federal Credit Union has no legal authorization to bring a legal action against I, the consumer, in fact. According to 15 U.S.Code 1692k ( a ) ( 2 ) ( A ). It states an individual action is a violation worth XXXX dollars, meaning each violation is worth {$1000.00}. In accordance with 1 U.S.Code 1, words importing in the singular include the application to several persons, parties or things, and therefore the single mention of the word action can mean each individual set of actions costs {$1000.00} per violation. Multiple consumer rights violations with proof including my right to privacy in 15 U.S. Code 6801. I am requesting that you remove this account and all remarks from my consumer credit report immediately. If you except my request, I will not escalate this matter to federal court. In case you dont accept my requests above, a legal action shall be taken against your company for compensatory damages. This account has caused me to lose work opportunities and I have proof of such. As a XXXX XXXX Veteran this has caused my migraines to intensify, which I also have proof. Thank you for your attention to this matter. | ||||||
| 09/15/2023 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX Attachments XXXX ( 1 hour ago ) to XXXX, me, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX asked me if I would help him sort out this matter. We have used Navy Federal Credit Union ( NFCU ) on numerous occasions over the years to finance purchases. We have always had a very positive experience. In XXXX, my husband purchased a new vehicle, and NFCU was the lender he chose to finance the purchase. He continues to make all of the payments as agreed. About a month ago, NFCU reached out via mail to ask him to sign another original Promissory Note, Security Agreement, and Disclosure. Issue The issue on the electronic Promissory Note is that he was promised a rate of 4.79 % at application, and the electronic Promissory Note he signed incorrectly reflected the rate of 5.04 %. When he realized this error, he brought the mistake to NFCU 's attention, and the NFCU employee immediately corrected his online loan account. Then, NFCU sent out another original Promissory Note for him to sign. The main issue here is that he is being forced to sign two live Promissory Notes without either one being labelled as a substitute or a corrected agreement and without any documentation from NFCU that this additional Promissory Note is a substitute for the one he originally, electronically signed. Contact He initiated at least two different calls to NFCU to try and straighten out why they wanted him to sign another original Promissory Note and Security Agreement versus a " Corrected or Substitute Promissory Note Agreement '' to prevent two live Promissory Notes ; I attached page 1 of the electronically signed Promissory Note. He went to the XXXX XXXX XXXX XXXX in XXXX, Virginnia this afternoon to explain that we only wanted it in writing that this new Promissory Note was a substitute for the original electronically signed Promissory Note. The Customer Service branch employee stated that NFCU could not provide that statement -- indicating that the new Promissory Note was being substituted for the original electronic Promissory Note. Threat Furthermore, the Branch Customer Service person threatened that if he did not sign the additional Promissory Note within 90 days of the original Note date ( XX/XX/2023 ) NFCU would increase the loan 's rate to 18.99 % -- I am assuming that NFCU would convert the loan to an unsecured loan, which the loan is not because NFCU has the original, electronically signed Promissory Note he signed the day he picked up his check to purchase the vehicle. Please Assist This mistake was not his mistake, and all he is trying to do is correct the error NFCU made without running the risk of two live Promissory Notes floating around NFCU 's vault or at the very least something in writing from NFCU that the second written Promissory Note will be substituted for the original electronic version. Additionally, this letter should indicate that upon receipt of the substitute Promissory Note that the original, electronically signed Promissory Note will be returned to his possession marked " VOID '' to avoid future issues. XXXX XXXX Vice President of Regulatory Compliance Mobile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 10/14/2023 | Yes |
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Web | Servicemember |
| The issues I have experienced have mounted over the course of several months. I began the process of assuming a mortgage in XXXX XXXX and finally closed at the end of XX/XX/2023. Throughout this process I experienced numerous issues, all documented in emails and phone calls that went unresolved. I requested a new loan officer be assigned to my case on two occasions and submitted multiple complaints with no resolution. The closing disclosure was wrought with issues that pointed out and sought resolution for, but communication was incredibly difficult. The values of escrow, the insurance policies, and the final mortgage were inaccurate and I requested explanation numerous times and received no responses. On the day of closing, the disclosure still did not accurately reflect the appropriate values and the proposed monthly payment for the property was not accurate. I have continuously attempted to communicate with XXXX XXXX to seek resolution, but I have received no responses. The mortgage assumptions department has completely ceased all communication with me and has refused to respond to calls and emails. I was told in subsequent phone calls to account services that an escrow analysis would be done to resolve the issue, but I have received no communication on this matter. My insurance premium changed from the previous home owner 's and my account has not reflected this change, requiring me to continue to pay the previous mortgage payment for two months now. I use a different insurance company and my premium is significantly lower which means my total mortgage payment should be less. These changes have not been reflected and a service member recently told me that Navy Federal reported my premium as more than triple what it actually is ( I of course have access to my own insurance account ). What's more is that I have never received copies of the signed documents and I am unable to access my mortgage account through the online portal. I was also issued a letter informing me that I would be charged for a lapse in insurance coverage that occurred before I became the home owner. When I called about this matter I was instructed to send a digital message with pictures of the letter and my insurance policy as attachments. NO response has been given about this issue leading me to continue to call for resolution with no assistance. I honestly do not know what to do at this point. I have tried to communicate and have asked for simple, specific questions about the mortgage to the assumptions department that have been neglected. This has made the entire process feel shady and utterly disappointing. I am concerned that I am being bound to payments that do no accurately reflect true values associated with my mortgage. I have completely lost track of the number of phone calls and emails I have sent throughout this process and attempts to resolve these matters. Filing this complaint was recommended to me, but I am prepared to pursue legal recourse. As a XXXX XXXX XXXX it is incredibly disappointing to be treated like this by Navy Federal Credit Union where I have loyally banked with for over a decade and who claims to serve our nations service members. | ||||||
| 08/10/2022 | Yes |
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Web | Servicemember |
| I am submitting this claim for a SCRA violation against Navy Federal Credit Union. I am a XXXX XXXX and took out a personal loan back in the fall of XXXX when I was on XXXX XXXX over 31 days. Those orders ended on XXXX XX/XX/XXXX. I then obtained new orders on XXXX XX/XX/XXXX and have mostly remained on XXXX XXXX since the beginning of the calendar year. When I applied for SCRA benefits to my account, I was instructed by XXXX XXXX, via a XXXX XXXX letter, that SCRA benefits could not be applied because " [ l ] oans opened during XXXX military service are not eligible for SCRA coverage and/or a reduction in interest rate. '' When I called about the request, I spoke with a Navy Federal SCRA representative. She directed me to a provision in the DOJ 's SCRA Guide, which states as follows : " The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to military service to no more than six percent per year, including most fees. 50 U.S.C. 3937 ( a ) ( 1 ) & ( d ) ( 1 ). '' Her position was that because I took on the loan while on XXXX XXXX, my loan will forever be barred from SCRA protections. I disagree because Navy Federal 's interpretation is too limiting. My orders for the period in which I took out the underlying loan ended on XXXX XX/XX/XXXX. My new orders, dated XXXX XX/XX/XXXX, is a new period of " military service '' and thus all previously incurred debt is subject to the 6 % limitation. Under 3937 ( a ) ( 1 ), " [ a ] n obligation... bearing interest as a rate in excess of 6 percent per year that is incurred by a servicemember... before the service member enters military service shall not bear interest at a rate in excess of 6 percent.... '' Under 3911 ( 2 ) ( A ) ( i ), " Military Service '' is defined as " in the case of a servicemember who is a member of the... Air Force... active duty, as defined in section 101 ( d ) ( 1 ) of Title 10 [, ] '' which states, in turn, that " 'active duty ' means full-time duty in the active military service of the United States. Such term includes full-time training duty, annual training duty, and attendance, while in the active military service, at a school designated as a service school by law or by the Secretary of the military department concerned. Such term does not include full-time National Guard duty . '' Thus, because my military service ended with my orders on XXXX XX/XX/XXXX, and I entered a new period of military service on XXXX XX/XX/XXXX, then SCRA should apply because I took out the present loan before I entered the present military service. I would note that nothing in the plain language of the statute bars application of SCRA benefits to my case. Moreover, under the DOJ 's SCRA Guide, [ t ] he Act [ SCRA ] must be read with an eye friendly to those who dropped their affairs to answer their countrys call. Le Maistre v. Leffers, 333 U.S. 1, 6 ( 1948 ) ( citing Boone v. Lightner, 319 U.S. 561, 575 ( 1943 ) ). Restated, the SCRA should generally be read in favor of the servicemembers it is intended to protect. See id. If you have questions or would like to discuss, please feel free to contact me. Best, XXXX XXXX | ||||||
| 09/14/2023 | Yes |
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Web | |
| I am writing to formally request the correction of information within my credit report as well as the removal of inaccurate statements and hard inquiries. I am making this request in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681a ( a ) Subsection I, 15 U.S.C. Chapter 41, Subchapter I, Part D, and 15 U.S. Code 1681s2. Firstly, I would like to address a statement on my credit report indicating that I owe on a credit card. To my knowledge, there is no valid outstanding debt on any credit card that should be reported. I kindly request that this inaccurate statement be promptly removed from my credit report. Furthermore, I am concerned about my credit utilization, which appears to be higher than desired. I understand that a healthy credit utilization rate is generally considered to be less than 5 % of available credit. To align with this standard and improve my credit profile, I respectfully request that my credit utilization be adjusted to reflect a lower percentage. In addition to these issues, I have noticed that there are several hard inquiries listed on my credit report. These inquiries were made by various creditors, and I have no recollection of authorizing or initiating any of these credit inquiries. I believe that these hard inquiries are inaccurate and should be removed from my credit report immediately. I wish to bring to your attention that, according to the FCRA, hard inquiries on a credit report should only occur with the explicit consent of the consumer. Given that I have not applied for credit or engaged in financial transactions that would warrant these inquiries, I am led to conclude that these entries are not accurate. In accordance with the FCRA, I request that your agency conducts a thorough investigation into the legitimacy of these hard inquiries. This may entail reaching out to the entities that made these inquiries to verify the authorization. I also kindly request that you provide me with a written explanation of your findings, including any actions taken to rectify these issues. The FCRA specifies a 30-day period for your agency to complete this investigation and respond to my request. If, within this timeframe, you are unable to verify the legitimacy of these inquiries, I request their immediate removal from my credit report, as mandated by federal law. Please be advised that, in the event these issues are not resolved satisfactorily, I am prepared to initiate the second process, which involves providing an invoice for all violations. Each violation could potentially result in a fine of up to {$1000.00} per violation, as allowed by law. I can provide all the inaccuracies and hard inquiries in question for your reference, if needed. I appreciate your prompt attention to this matter and your commitment to ensuring the accuracy and fairness of consumer credit reporting. Please do not hesitate to contact me at XXXX or XXXX if you require any further information or clarification. I anticipate a swift resolution of these issues and the removal of inaccurate information from my credit report. Thank you for your cooperation. Sincerely, XXXX XXXX | ||||||
| 07/13/2022 | Yes |
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Web | Servicemember |
| Navy Federal ID : XXXX I refinance with Navy Federal on XX/XX/2022. The mortgage payment started on XXXX. It was set for automatic payment out of my XXXX checking account. I called on XXXX to see if my previous XXXX dollar toward my premium and bi weekly payment would transfer over automatically. They stated that the previous payment set up did not transfer over. That I would have to set up a new payment with them directly. I asked. if it was possible to just go on their website to set it up like the previous banks that owned my mortgage. XXXX stated that it was not possible to set up payments online myself and that I had to set it up by submitting a form online. I received a link on XX/XX/XXXX by XXXX ID : XXXX to my personal email. I submitted the form as instructed. I called the day after i submitted the ez-payment form to verify if they received the form and the member on the phone stated they did not receive it. I notified her that it was sent online just as requested and stated that she is unable to see it and if I could send it again. I was briefed by her that I needed to do a payment in advance in order to do the bi weekly payment. After she notified me of the advance payment, I notified her why is that part of the process? I did not had to do any advance payment with the previous banks to adjust my payments. She stated I had to do it that way. All though I was frustrated I notified her to take the advance payment and to set up the payment the bi weekly payment for XXXX. The part that was confusing in the conversation is that despite her saying she is unable to see my form, she knew the amount I submitted toward my premium. So not sure if it was miss communication but it was weird that if she didn't receive the form, how would she know the amount I put toward the premium. XXXX came around and since I am in XXXX busy with XXXX XXXX I do not check my statements. I received a phone call from Navy Federal toward the end of XXXX stating that my XXXX payment was overdue. It confused me and I asked the member how is it late when it was set up for auto draft. They were confused and asked if I stopped it. I said no I did not but that I called to set up a bi weekly payment and premium payment. They said it didn't go through and it irritated me. This is not the first thing Navy Federal has messed up. The refinance process took 3 month and they kept on losing paper work or not communicating they were missing forms. But that a different complaint. I spoke and notified the person that I'll do the payment but I need the bi weekly payment to go through for next month. They stated I had to pay a month in advance again, and I stated I set that up when I called on XXXX. She said she was unable to help and since I was busy with work I stated I will call back, but to please set up the auto draft payment. XXXX came now and I again started to receive phone calls that I am over due for payment. At this point due to Navy Federal cancelling my auto draft payment and not setting up my bi-weekly payment and additional payment to my premium is the reason for this complaint. Please let me know if you need any additional information. | ||||||
| 09/24/2020 | Yes |
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Web | Servicemember |
| My grandson, XXXX XXXX, and I have a joint account with Navy Federal Credit Union. I thought when I told him to open his own account the beginning of the year that he did that, but no one said anything to me that it was still joint, and instead of me being 'primary ' he is now 'primary ' at the age of XXXX. He does not have any understanding of these matters and the repercussions of this. So when he went into debt because of a check from the state of XXXX, they never contacted me about repayment plans or any letters regarding the situation -- they sent letters to my grandson in XXXX but I am in XXXX and received no communication about what needed to be done. Here 's what happened regarding the check. On XX/XX/XXXX he was sent a check from the XXXX XXXX XXXX XXXX XXXX in the amount of {$2100.00} which was from the XXXX account. He promptly deposited into his account and paid some bill and within 2 days the money was taken back and he was in debt by {$1700.00}. The check came through the XXXX XXXX XXXX and they are the ones that pulled it back. My grandson XXXX XXXX tried calling unemployment as did I about this. He even went down to unemployment office and they told him that once he filed his weekly claim that he would be reimbursed. But he was locked out of his account and unable to get any help from the office to get back in and was unable to get through by phone. Finally I was able to get in touch with unemployment in XXXX and talked to someone about his account but the follow through of help never happened and he still has received no unemployment help. Then in XXXX we were able to get ahold of someone else at unemployment by phone and she finally said that they would look into what happened to the money and why it was pulled back -- we sent her all the information on XX/XX/2020. Her name is XXXX and the only way to communicate with her is by FAX -- XXXX. We sent her a followup letter yesterday but still have heard nothing from her either. She told us that this is a FRAUD investigation since no one knows exactly why the check was returned or where the check and money went. So far my grandson has received NO HELP AT ALL FROM XXXX WHERE HE LIVES AND WHERE HE HAS BEEN MOSTLY UNEMPLOYED SINCE THE PANDEMIC BEGAN. I HAVE HAD TO SUPPORT HIM! I have told all this to NFCU but they still closed his account and have taken {$500.00} of mine, saying this was STILL a joint account, to pay open this debt and it will reflect on my credit record as well. This is not fair -- especially if it is a FRAUD investigation. I thought they were to freeze everything until the investigation is over, but in fact they want me to make payments on this debt and in such a bizarre way. I said I could pay {$100.00} a month and go to my local NFCU each month to pay this, but they want me to do a direct deposit in a specific way as if going to the CU each month is not sufficient, even though they have taken my {$500.00} which I need to pay rent. Right now my grandson is still dependent on me to pay his rent and for food since even though he applied for help from XXXX more than once he has NEVER heard back from them. All this in a pandemic is wrong! | ||||||
| 03/25/2021 | Yes |
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Web | |
| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX EXCEPTIONS TO DISPUTED ARGUMENTS AS STIPULATED : I demand that this account be posted on all three credit bureaus, as currently it is only posted on XXXX XXXX XXXX XXXX XXXX This is causing me difficulty as I can not post the proper credit rating on all bureaus that I deserve. Accordingly, I respectfully request that the above referenced subscriber to the credit bureaus top clear all obstacles that hinder the account information across credit reporting agencies, adding XXXX and XXXX XXXX into its monthly reporting on payments and overall account status. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX | ||||||
| 10/14/2018 | Yes |
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| On XX/XX/XXXX and XX/XX/XXXX of 2018 and outside account hacked my online bank account and created a fake bank account to pay off my credit card and did two cash advances of {$1800.00} totaling to {$3600.00} and transferred the money through my checking account and then went on to transfer the money through XXXX cash app. Prior to this incident I had no knowledge of XXXX or even that I could do a cash advance on my credit card. I had called Navy Federal Credit Union after finding out that all this was going on with my account and I had put in a claim to the fraud department and their response was that it should be an easy fix. Throughout the whole process I had never gotten a notification that my accounts were even overdrawn or had money being transferred in my account. After weeks of waiting to here back from Navy Federal they denied my claim and when I talked to the lead investigator he was very aggressive and rude on the phone pointing the blame at me and repetitively asking me who did it when I told him a numerous amount of times that my own parents do not have access to my banking information or online accounts. That following week I had gone into the branch and filed an appeal and the representative even acknowledged that there are numerous signs that I had nothing to do with the cash advances or bank transfers due to the fact that there has been minimal activity in my account since I've been in XXXX for the past year and the moment I go home to California to visit my parents all this happens at once. They approved my appeal and sorted out my checking account but neglected to sort out my credit card account which left me over the limit in {$7300.00} when the limit on my credit card is {$6000.00}. Due to the cash advances and fake payments through this outside fake account put me at a minimum payment of {$1300.00} when my initial balance on my card was close to {$3000.00}. I had to then put in a claim again for my credit card which later got denied as well as the appeal weeks later. It's now XXXX and the issue is still not resolved after many back and forth calls with Navy Federal, filing a police report, and my credit score dropping 91 points and my credit card still over the limit. I'm only a college student who has never dealt with something like this before and I did not expect Navy Federal to be so unhelpful in this situation and just make it worst than the original outcome. Every representative I've talked to on the phone has been rude, short tempered, and accusing me for all this mishap on my account. Now I'm back in XXXX and have my parents carrying out this process with Navy Federal but they still want to say that this is all my fault and will not email or call my parents back after leaving voicemails every other day. The only reason I have a credit card is in case of emergencies while I'm here in XXXX and now I can't even have it as a backup in case there was a serious emergency. This whole process has been very heart breaking because I know for a fact that Navy Federal Credit Union does not want to admit that they have flaws in their system but this incident did happen and somehow I'm the one to blame. | ||||||
| 01/08/2021 | Yes |
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Web | Servicemember |
| On XX/XX/2020, I applied and was approved for a auto refinance loan from Navy Federal Credit Union in the amount of {$22000.00}. Rather than disburse the funds to me or my current auto loan provider ( XXXX XXXX ) directly, the requirements of the loan required that I pick up the check in person, endorse it, and mail it to my loan provider. I adhered to those requirements and sent the check to XXXX XXXX via first class mail on XX/XX/2020. On XX/XX/2020, I noticed that the funds had not posted to my current loan account and so contacted XXXX XXXX. I was informed by a XXXX XXXX representative that they had not received the check. That same day, I called a Navy Federal representative, apprised her of the situation, and requested that the check be canceled to avoid it falling into the wrong hands and being cashed by an entity other than XXXX XXXX. The Navy Federal representative indicated that the check would be canceled an that I had two options going forward : ( 1 ) cancel the loan, or ( 2 ) cancel the first check and have a new check in the same reissued In order to move forward with the loan, I initially selected option 2. On XX/XX/XXXX, I visited Navy Federal to pick up the reissued check. There, I was informed that in order to do so, I would need to sign an indemnity agreement with the following language : " I understand that if the item ( s ) [ the first check ] is/are later presented for payment and Navy Federal pays the item ( s ), I am obliged to refund the payment to Navy Federal. '' Because I was unwilling to indemnify Navy Federal for taking action that I have explicitly asked Navy Federal not take ( i.e., paying a check I have asked to be canceled ), I declined to take the reissued check and told the in-person representative that I would rather cancel the loan. I was told that I would need to contact Navy Fed by phone to do so. That same day, I contacted Navy Federal by phone to cancel the loan and was told that in order to cancel the loan, I would need to sign the same indemnity agreement, holding Navy Federal harmless for paying a check I have asked canceled. Currently, my account shows that I owe Navy Federal {$22000.00}, with the first payment due XX/XX/XXXX, despite the fact that Navy Federal has yet to distribute the funds to me or my current loan provider. Navy Federal has also reported this debt to credit agencies, negatively impacting my debt-to-income ratio as credit agencies now report that I have two outstanding auto loans in excess of {$22000.00}. Today XXXX XX/XX/XXXX ), I contacted Navy Federal to resolve the issue. The representative confirmed that a " stop payment '' order has been placed on the check, but insists that I sign the indemnity agreement to cancel the loan. ( If a stop payment is actually on the check, why must I agree to refund Navy Federal if they cash the check regardless? ) The representative I spoke to insisted that unless I sign the onerous indemnity agreement, I am bound by the terms of the loan, regardless of whether the funds are distributed or not. Navy Federal refuses to cancel the loan or redact the credit agency reporting ( which is actively harming credit score ). | ||||||
| 08/17/2019 | Yes |
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Web | Servicemember |
| My wife and I recently made a trip to XXXX XXXX, and notified our financial institutions we would be traveling and where. I generally do not use a debit card in situations where I am concerned about financial loss, but I did use my debit card to pull cash from an ATM while we were there. Unfortunately, at some point during that day, I somehow managed to lose my debit card during this process. Unknown to me at the time, my debit card was used at a hotel near where we were staying five different times by a group of people who had found the card. Each transactions was $900, for a total of $XXXX. Just as we were about to make our travel back to the states, I logged onto NFCU's app to check on a small deposit I was expecting and discovered the charges. I immediately contacted NFCU to make a fraud claim, and initially, was happy as they credited my account for the amount the amount of the transactions.Within a few hours, NFCU sent a follow up message stating that they had completed a thorough investigation and no error had occurred, and they would be removing the credit. I contacted NFCU again, and asked how they could make that determination. They were vague, but essentially stated that a problem with the dates combined with the fact I told them we would be in XXXX XXXX led them to determine that no fraud had occurred. When I made my initial report, the dates I gave them were the dates on their website (XX/XX/XXXX), which was the date the transactions posted. The actual transactions actually occurred before that (I pulled cash out on the XX/XX/XXXX, I assume the other transactions were that same day). I guess this provided at least some of the confusion.When I asked to speak to someone, I was told there was no way I can call anyone from that office, but that they can send a message requesting they call me. They never called. I did submit a follow up message that was more specific on the dates, and corrected my earlier error, and now awaiting a "second review".I am not an investigator, but I was able to contact the hotel where the transactions occurred. It turns out six people were using my card (passing it from one to another) to pay for their rooms as well as other activities. The manager of the hotel came in late to the transaction, and thought the activity suspicious. He stopped his partner from processing any further transactions, collected the payment documents, and contacted the XXXX XXXX police. The six people fled, and he then contacted the bank to notify them of the fraud.I have forwarded this information to NFCU, and hope the second review will provide an actual "thorough" investigation into the matter. It seems as though 5 repetitive transactions made within a short period of time should have been enough to set off some kind of alarm that maybe there was something suspicious going on, but that did not happen. Additionally, NFCU made no effort to investigate anything and simply denied the claim within about 6-8 hours. No follow up questions, no attempt to clarify, just simple outright denial. A review of some of the other complaints on this site seem to indicate a similar pattern of operations. | ||||||
| 04/12/2018 | Yes |
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Web | |
| I want to have an investigation conducted into the practices and regulations set forth by Navy Federal Credit Unions terms and conditions. These terms and conditions do not allow the credit union to verbally abuse me. They also do not give the credit union the actual right to call my family members threaten to visit my home. The credit union is attempting to even go as far to falsely accuse me to the police now. The same person at Navy Federal Credit union, " XXXX '' at least that's the name he goes by now it usually changes he calls from a non working number. Filed 3 different reports to Adult protective services, trying to state that me and my mother were Elderly abusing my Grandmother which is XXXX. Neither one of us have ever caused any Elder abuse and this statement was proven true when the investigator all 3 times determined no abuse was occurring. Now the same " XXXX '' guy called my Mother threatened her told her that he will come to my home and her 's and pay a visit to us if we do not call him back. He left these by voicemail. Secondly, he told my mom that we should take blame and frame ourselves and that if we filed a complaint with the consumer financial protection bureau or told anyone he would personally make sure to ruin our credit and throw us in jail. These threats come every other Saturday. He also stole {$400.00} from my mother. This latest time he tried turning me into the police department for Elder abuse of my Aunt which is also being resolved. I am tired of the continued harassment by this Financial institution. They never sent any information in writing and instead calls and threatens my entire family, if they can't reach us at the time he leaves threatening voicemails. He also tried to blackmail me and tell my mom that he illegally recorded me and he's going to make sure he " puts me down ''. These calls are non stop, harassing. He tries to find where i work, tries to tell me he will visit my home. It's scary no one should feel like someone from their financial institution will be showing up at their home. I do not owe this credit union anything. My wallet was stolen as of last year. Which caused identity theft, the crook has opened some accounts in my name and also my families names. However the continued bullying tactics should be reviewed, i do believe this is against the law to threaten to ruin your employment, threaten to ruin your credit and then continued threats to show up to my home? I don't know what types of employees they have employed here. I will be documenting all of these continued harassments and sending these to my lawyer. I did not ever give this credit union any permission to ever record me and haven't called in to this credit union. The continued harassment and threats and the Falsely accusing stops now. I will ensure it stops, i am reaching out to my lawyer as we speak. As this credit union keeps attempting to report elder abuse over and over for the same exact thing, and it always gets denied. I am working with the Police department as well, and i want CFPB to take a closer look at Navy Federals business practices as i am not the only person they are doing this to. | ||||||
| 08/08/2022 | Yes |
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Web | Servicemember |
| Me and my children are victims of targeted organized crimeXXXX XXXX, I received an electronic notice that I received a deposit. I thought the deposit was from my property manager who is theONLY person with my business account information. No one else, has the business account information butXXXX XXXX, Real Estate XXXX of the XXXX XXXX XXXX XXXXXXXX ) XXXX. I went to pay my mortgage payment and noticed {$2900.00} was withdrawn from my account leaving a negative balance of {$29.00} so I called NFCU to find out what happened to the funds.OnXXXX at XXXX a scammer by the name of XXXXXXXX XXXX, used acounterfeiXXXX XXXX XXXX bank check and made a deposit at theNFCU branch location XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. I never lived in nor ever visited the state of Georgia and don't know who this person is. I am also a victim of identity theft - it escalated over the years with my name, SSN, email, phone and DOB being sold to the dark web on XX/XX/2022. NFCU told me the XXXX XXXX XXXX check # XXXX was dated XX/XX/2022 by XXXX XXXX. XXXX XXXX was the writer of the check. XXXX XXXX was a customer of XXXX XXXX and wrote the check to XXXX XXXX. The deposit time was at XXXXXXXX XXXX XXXX and then at XXXX withdrawal was done right after. Not sure if identification was used to identity the person ( s ) who made the deposit and withdrawal of {$2000.00}. The teller who took the check did not write identification of the person who made the deposit on the check. The money stolen from my account was money for my mortgage payment. That business account was set up solely for my mortgage and the only deposits received are from my property manager. NFCU does not know if it was one or two people who made the deposit e.g. XXXX and whomever the female was who impersonated me. Also, I am the only person on my NFCU account - no one else is authorized to access my account. NFCU accepted the counterfeit check from the scammer ( s ). XXXX XXXX, wrote my name, SSN and the company 's old XXXX XXXX Wyoming business address on the back on the XXXX XXXX XXXX check - forging my name on the back of the check as well. My attorney changed the business address early this year so the scammer used the wrong address when he/her impersonated me. I have beentargeted by a counterfeit check scam. In addition, the transaction should have been caught on camera since the deposit was made at a branch and I would like charges filed against this scammer ( s ). I had NFCU close the business account and issue a new account number also placing restriction on the account that no deposits are to be made into the account at a branch and I am to be notified if any attempts are made. The confirmation for the NFCU fraud claim is # XXXX. This account is solely for my mortgage loan which only receives electronic deposits from my property manager so I find it odd that this very organized and targeted incident happened, in a state on the other side of the country- at this specific branch, and the teller didn't write the persons identification on the check. The scammers stole {$2000.00} from my account - that was money which was for my mortgage and the funds have not been recovered. | ||||||
| 02/12/2022 | Yes |
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Web | Servicemember |
| Hello I am reporting an issue I am having with my bank. Navy Federal Credit Union. When all of this is over I will be leaving them because its been stressful talking to them and Ive never been through so much with a bank. So I had a situation where I was scammed out of {$410.00} at a repair shop called XXXX XXXX. ( This complaint is toward them as well if they can be included. ) I took my car to them on XX/XX/XXXX because my engine light came on. I took it to the local XXXX XXXX to get a diagnostic test before dropping off my car so I know whats wrong with it for myself. They gave me a list of codes. I called the repair shop and asked them to fix the problem which was a fuel leak. They agreed and I drop the car off for repairs. I have a XXXX XXXX XXXX. I go get my car and the engine light is off. I take the car home and after about 5 miles the engine light is back on. So the following Saturday I took it back to the shop because my car was not repaired. Me and the owner exchanged words I advised him that since they took my money and didnt fix my car they would be hearing from my bank and he said okay thats fine and asked me not to come back into his shop. The Saturday I left the car they held it for hours to call me back and say they cant fix it! Reached out to the bank that following week to do a dispute. Its XX/XX/XXXX and they have already closed my dispute. They asked me to get the car fixed correctly to help my case. I ask for time to do so the bank is telling me no and they will be taking the credit from me on the XXXX. I was only asking for time because I have to get my taxes first being that I dont have the money to fix a fuel leak on a XXXX at this time. I just started a new job making less money than I ever made after losing my job during the pandemic. Its like they dont want to work with me when Im the customer. When I first did the dispute I turned in receipts I turned in Invoices, I turned in whats wrong with my car, pics of my engine light being on, pics from XXXX XXXX diagnostic test as well and they are still closing my dispute!! Its very unfair when Ive never been a problem as a customer since Ive been with them .. they gave the merchant 4 months to respond to my dispute but wont give me time to get the car corrected to help my claim.. I even took the car to a shop and they told me that the prior shop only cut my engine light off and that they never repaired my car. They was able to look at my car and tell that it hadnt been repaired. Im not going to Lie Im going to be very honest Im broke. Im going through financial trouble due to the setback after the pandemic.. I went from making over XXXX an year plus small businesses I had going to now Im only making {$15.00} an hour at a doctors office. Im a honest woman if you look at my accounts I pay my tithes faithfully .. all Im asking my bank for is time cause XXXX dont have money no more. The repairs for my car for a shop to really fix it is about XXXX that I do not have until I get my income taxes and Ive explained this to my bank its like no we not working with you! Thats not fair to me as a customer! I just want time to fix my car! Please help me! | ||||||
| 09/01/2016 | Yes |
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| Under Review/Approve to Move to Processor/Appraisal Fee/Closing on the Mortgage and now Mortgage Loan DENIED Verbally from XXXX XXXX my Husband and I call her on XXXX, then she said XXXX suppose of had call me XXXX that same day we told her nobody had contact me by phone or email of this. The next day at work XXXX XXXX verbally told me and I said XXXX told us yesterday and she said did she call us and I said no we called XXXX and XXXX said we should receive a letter something in the mail. No proof of identity requested from Navy Federal to make sure it was the right XXXX and XXXX XXXX. We felt some things was common sense things like asking us about things from our taxes and they could have compare it with our credit report asking if I own a property locate in XXXX XXXX because the name was similar. The property was XXXX XXXX XXXX. We believe the Navy Mortgage Loan Officer and Processors was n't that knowledge in the requirements and procedures of there jobs : Address the above issues, I am attaching an email from Navy Federal Credit Union about any further documents request, in XXXX of these email XXXX XXXX Your file was approved for transfer to processing and she will be taking over the file preparing it for closing this was XXXX/XXXX/XXXX and XXXX should be contacting us, etc. We paid for the appraisal {$470.00}, our understanding from emails we was approve and this is the final processes to close on the XXXX Mortgage. They request more information that we know was sent or we give permission for Navy Fed. Credit Union to request for XXXX our XXXX tax transcripts from IRS, employment verification, etc. we think they was asking some personal things which they had the answers to. From our experience from financing house in the past, when it under review that mean its with the underwriter to finalize and is approve after that, which XXXX did tell us in XXXX of these emails. XXXX Fed. Credit request money for the appraisal why did they take our money if was n't approve and we would like back. We keep asking we make closing, XXXX finally response back and said the recommend XXXX XXXX but nobody never told or email us about extending the closing date from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I that was the case we need to put that in writing, so that the Attorney office would know. Navy let the Attorney office know we was DENIED the loan and we still do n't have nothing in writing stating that. Since we be misled by Navy Federal Credit Union we would like all our money back we paid appraisal fee, closing costs and any other fees we put out thinking we was approve to get the home loan to have a place to stay. We believe this was retaliation because we did a compliant with you all cfpb and this is why we was Denied verbally. XXXX told us the loan was denied because of XXXX XXXX gap in employment for XXXX and we sent proof explaining what happen, we sent the email from my Security Officer and his job offer letter telling them what his job status was and Navy verified his employment and then still ask us for more information about his gap. we still had enough income to cover all our expense and we still have good credit. | ||||||
| 04/21/2022 | Yes |
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Web | Servicemember |
| My Navy Federal Credit Union account was overdrawn when the childcare tax credits were being issued earlier this year. Navy Federal took it upon themselves to add money to our account to make our balance positive before the credit was added. They were not given permission to do this, and in fact when they did this for an earlier stimulus check that was distributed, we contacted the bank and asked them to stop doing this. They refunded us for money that was deducted from our account to cover the cost of the money that had been added without our permission. After this first incident, our further requests to stop this " service '' were ignored and Navy Federal continued to do this every time that a child care credit was issued. Over the course of a few months, a total of {$2100.00} was added to our account without our permission. The bank was contacted on several occasions to request that the additional funds not be added. On XX/XX/2022, a lump sum of {$2100.00} was deducted from our checking account leaving us with a balance of - {$2300.00}. When I contacted Navy Federal to discuss this deduction, I was told that a letter was sent out letting us know that this would be happening. We never received a letter. I asked if the letter was sent certified mail and required a signature, and I was told that it did not. I question if this letter was ever sent out. If it was, I never received it. I also asked if they had any record of us requesting that the funds not be added to our account, and of course, there was no record. How convenient. Additionally, I asked if Navy Federal was asking permission before adding money to customer accounts and they said that this was a " favor '' that the bank was extending to its customers without first receiving permission. I was told by the representative that the only thing the bank could do was transfer the negative balance to our savings account and give us 60 days to repay the amount. I told them that it would not be possible and asked for an extension. They told me that this was not possible. When I asked to speak with upper management, I was denied. How is it legal for a bank to add and deduct money from a client 's account without first receiving permission? A document should have been sent out prior to the money being added asking costumers if they wanted to take advantage of this " favor '' from the bank. From what I understand, XXXX XXXX got into huge trouble for engaging in the same practice. In addition to filing this complaint, I have contacted the BBB, a lawyer and a local news affiliate. I do not believe that what they have done is legal. How this program was meant to benefit people is beyond my understanding. The reason that Navy Federal felt that they were justified in adding money to our account is because it was overdrawn - how do they possibly think that we would be able to repay the money in one lump sum and still manage to pay our other bills? We have an overdraft limit of {$500.00} - we have never been able to go beyond this amount, yet Navy Federal was able to overdraft our account by over {$2000.00}. It seems rather incongruous and quite frankly, illegal. | ||||||
| 05/01/2023 | Yes |
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| I am writing to seek your assistance with XXXX 's abusive business practices against the District of Columbia residents. XXXX has zero accountability to its customer base. I reserved a XXXX vehicle almost 5days in advance for XXXX Sun XXXX XXXX to XXXX Mon XXXX. I advised the XXXX representative that I was taking the vehicle out of State to NY to bring my daughter to her college admissions appointment. I advised the rep I've had recurring issues with their vehicles lacking proper maintenance i.e. : low battery, low fuel, NO windshield wiper fluid, and extremely filthy vehicles. I wanted to ensure everything would go smoothly for our trip on Sunday. The rep assured me the vehicle had been serviced and all would be well. The morning I picked up the vehicle it was filthy, and most importantly, it was missing the XXXX XXXX device which we didn't realize until we had passed a bridge toll in NJ. I immediately had my daughter call " customer support '' while enroute and they assured me they reported the XXXX XXXX device stolen and that I would not be responsible for the tolls. The rep even noted her confirmation of this in her notes which I confirmed with several other XXXX XXXX. I arrived at XXXX at XXXX and we parked the vehicle in a garage. The vehicle was picked up again at about XXXX and we were back on the road. I arrived to DC and when I proceeded to park the vehicle in its home location ( behind my building at XXXX XXXX XXXX XXXX ) on XXXX XXXX the space was unavailable. I immediately called XXXX and informed them, and they approved that I could park the vehicle at another legal location. While on that call the rep confirmed the prior rep 's notes in my account detailing my trip report ie : filthy vehicle and missing XXXXXXXX XXXX device, her notes that I would NOT be charged and that she had reported the XXXX XXXX device stolen. Despite his confirmation, he proceeded to inform me I was given WRONG information and that I WAS responsible for the tolls. I parked the vehicle and advised the rep. I then called back to speak with another rep to cancel my membership for the next billing cycle which is this month. This morning I received an erroneous text from XXXX asking if I needed " more time '' on the trip. I called back into customer support and the rep informed me the trip had ended on time and I should not worry about any late fees. I also inquired about my report RE : the XXXX XXXX toll fees, he confirmed the prior rep informed me I would not be charged and that the information she provided was incorrect. He said he was escalating the matter to attempt to provide me a resolution. I was NEVER informed that the trip fee had been increased to {$300.00}! Originally the trip was a {$100.00} dollar trip for a full day XXXXSun-XXXXMon. XXXX is charging me overage miles : XXXX miles ( XXXX ) for {$160.00}. The vehicle was parked in a Garage from XXXX to XXXX. I do not understand how they are claiming overage miles? I have my garage reservation confirmation. I would like a full refund of the {$290.00} and XXXX to take accountability for its employees misleading communications regarding the XXXX XXXX toll fees. | ||||||
| 11/21/2023 | Yes |
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Web | Servicemember |
| My usual paycheck, from my employer the State of Arizona ( XXXX XXXX XXXX XXXX ), was sent to me via mail due to a direct deposit issue on payroll 's end. The paycheck 's total was for {$1300.00}. I received the check on XXXX the XXXX. I originally wanted to use mobile deposit on the navy federal app but it said my funds would be on hold until Friday the XXXX. So I called Navy Federal and they canceled the mobile deposit so I could deposit it on monday in person at the local branch. and have access to the funds on XXXX. I deposited the check on XXXX at XXXX at the local navy federal branch. There was no issue and she deposited it and I have a receipt that said I would receive the funds the next business day ( today ). I got a message from Navy Federal at XXXX that say my funds were on hold because they have reasonable cause to believe that the check is uncollectable from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect it receive your funds within XXXX business days. I would like to note that I have never cashed a bad check in my life. I went up to the XXXXXXXX XXXX XXXXXXXX and talked to customer service and the bank manager. They told me there is a security department that I can call and talk to about lifting the hold. I waited there on hold for about XXXX minutes but I had to go back to work. So I called the customer service line to be directed to the security department. I have talked to three different customer service agents and one supervisor who that there is no one who oversees the security holds on checks and that it was an automated system. I asked, " So the automated system can put a hold on any check for any reason and there is nothing anyone can do about it? '' The supervisor said yes that's correct. They said they do not know why the bank manager would say there is a security department that can help me. It does not make any sense when they say there is no one who oversees the process. How is that possible to leave it up to machines to make the decision? I asked if they could cancel the check and give it back to me to cash elsewhere. They said no because the check HAS ALREADY BEEN ACCEPTED AND PROCESSED. If that is true then why is there a hold? This is my usual paycheck from The State of Arizona that has been issued and processed with no issue since XXXX. I showed the bank my paystub, and emails from my payroll indicating there is nothing wrong with the check. They said the hold doesn't make sense but there is nothing they can do. It is a government paycheck ; how can they say they don't think the bank has the funds ; it is the government. I am a public servant who is also an active military spouse. We were relying on this money to buy food for XXXX. I was told because of the holiday, the hold on my account will not come off until Tuesday the XXXX. This makes no sense and no one can give me a straight answer. My next paycheck comes on the XXXX, So essentially my family went XXXX weeks without pay because of Navy Federal. This has caused my family significant distress and hardship. | ||||||
| 09/26/2023 | Yes |
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| I never received any documentation regarding the reason for improper reporting from any agency. In fact according to the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, as well as respect for the consumer 's rights to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to to make sure my private information isn't shared which is in fact backed by 15 USC 6801 which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers as well as to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of the information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states, " In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom in which it relates. '' ( Furnisher of information to credit agencies ) the financial institution as well as the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option, '' ( Furnisher of information to credit agencies ) I have never been informed of my right to exercise my nondisclosure option. In fact not only that, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information as well as any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. '' XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Lastly 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' | ||||||
| 02/21/2017 | Yes |
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Web | Servicemember |
| In XXXX of 2015 I closed my credit card accounts with NFCU and opened new ones due to a recent separation. They were supposed to arrive at the bank so that I could pick them up. They never were received and I had to reorder new ones. I ended up XXXX to XXXX with the XXXX. XXXX in XXXX and reporting to XXXX XXXX, XXXX, still had not gotten my new credit cards. Upon my return, I went to pay on my Navy Federal Credit Union credit card and they told me that my account was over drawn. I told them that it could not be and that I was not even in the country. They went on to tell me that there was a over the counter draft done on my credit card that was done in the branch at XXXX XXXX, XXXX. They told me that they would conduct a fraud case on this transaction and that they would get back to me. It was 3 months later when I had to go in to a branch of Navy Federal Credit Union in XXXX XXXX XXXX and ask them what had become of the case. They told me on numerous occasions that they were still working on this case and that they would let me know. I finally went back to the branch and they told me that the case had been closed and that it had shown that I has indeed the one who did this transaction. I explained to them that why would I have to go in to Navy Federal to do a cash advance in the counter when NFCU offers you this service online on their banking website/ I asked told them if I wanted to draw money off of my NFCU credit card, I could just transfer these funds on the website in to my checking. They told me that they had done their due diligence and they were closing the case. I then asked for the supporting documents and for them to show me the signed slip that was used to sign for the funds. They refused to do so. Finally, a young lady names XXXX XXXX who worked at the branch told me that she knew that they had been lying to me and that she could provide me this information via email. She said that they were wrong to not provide me a requested copy of the transaction and she then sent me the information that I requested. Upon looking at the information, they used old loan documents to verify the signature of the desk slip that was provided. The signature that I have on file does not match my actual signature. Even if you look at the documents that were used, my signature does not match. I also requested that Navy Federal show me the video footage from the transaction and they refused. They said that they could not show it to me. In the email and documents provided, they stated that my signature was verified by someone at that branch. I feel like someone from that branch stole my credit cards and used them. When they were told to verify this transaction, this is the person who was contacted and they said that the signatures matched. If you look at the attached documents, you will see that the signatures are similar, but not alike. Additionally, I was not in the state of XXXX when this fraud happened. Even to this day, NFCU put me on a payment plan to help me fix this issue, however, every month, they are reporting that this credit card it late, even though they draft the money out of my account monthly. | ||||||
| 08/23/2021 | Yes |
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Web | Servicemember |
| The Navy Federal Credit union has engaged in a campaign against me of harassment, bullying intimidation and retailation because i filed a complaint against them with the XXXX XXXX XXXX and other consumer reporting agencies including CFPB. They have sent me threatening letters, froze my account so that i would have no acess to my money and delineratly, intentionally, and maliciously harassed and bullied me. More specifically, the Navy Federal Credit Union after i filed a complaint against their fraud department, sent me a letter stating that if i continued my complaint they would freeze my bank account and not let me have acess to my money. Last week while dining out, i couldnt pay because there was no acess to my account. This was after i recieved a letter threartening that they would do the same. I couldnt pay for my dinner! I called Navy Federal Credit Union and was told by no less than 3 phone reps that there was nothing they could do. The restaurant called the cops on me and it was onlt then that my call to the Navy Federal Credit Union that i was finally transferred to a supervisor who gladly opened my card and gave me acess to my account so i wouldnt go to jail. This all stemmed from a representativre in their fraud dept, who saw my complaint with the BBB and decided to retailate against me for my complaint. There were several fraudulent charges on my debit card ( which ironically, NDCU notified me of ) all of the charges were refunded to me but i didnt like the attitude of Navy Federal Credit union fraud representative which led to my complaint. After my complaint All of my disputed charges were reversed. According to the law and letters that Navy Federal Credit Union sent me I was entitled to the documents they had that lead to their decision, Navy Federal Credit Union told me the had no documents and i would still be responsible for the fraudulent charges. I have called Navy Federal Credit Union but was told by the supervisors of the credit unions fraud department that " theres nobody higher than me you can talk to, I had contacted them on social media only to to be told by that department theres nothing we can do. I have been hung up on the telephone by their managers, barraged by countless emessages and letters that they know i cant respond to in order to protect the XXXX behavior that they have treated me with. I am a XXXX XXXX, i cant see to be typing messafses back and forth over the phone, i have to focus on where im going to sleep and eat at night every day. ALL of the dispited charges are fraudulent and Navy Federal Knows that but chooses to harrass me because i filed a complaint in the first place. THey sent me a letter stating that they would take {$14.00} and XXXX of my money back, but they took XXXX when i called to inquire Navy Federal Credit Union refused to even talk to me and two supervisors from their fraud dept not only hung up on me but refused to take my name and number for a superior to get back to me. This has been going on for over a month!!! Navy Federal Credit Union has engaged in a campaign of harassment, bulling, retaliation and intimidation against me. | ||||||
| 10/24/2022 | Yes |
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Web | Servicemember |
| On or about XX/XX/2022, I opened a fraud claim with Navy Federal Credit Union XXXX XXXX NFCU XXXX ) The disputed charges range from XX/XX/2022 through XX/XX/2022, which I listed in an Annex, and explained to XXXX which lead to approximately {$15000.00} USD. Throughout my conversation with the fraud claims XXXX, I explained I was attending military field training during the dates these charges were placed on my account, and that the charges were not incurred by me. I provided sufficient proof, and evidence through my military work, and job to prove I was unable and incapable of making those charges. After XXXX returned my fraud report back to myself not in my favor, as soon as I was out of field training, I provided a letter from my military command, again confirming my training participation during the dates when the fraudulent charges were made. I provided a copy of this letter to XXXX. After seeing XXXX would not take my situation seriously, and provide evidence that they felt these charges were mine, on or about XX/XX/2022, I reported this matter as a fraud claim to the XXXX XXXX XXXX XXXX, which I also provided XXXX. As of the date of this complaint, I have not received communication from NFCU regarding this claim, despite sending official correspondence in XX/XX/2022 to their proper mailing address, conducting Emessages, and going to the bank specialists in person. As of the date of this NFCU has failed to validate the disputed charges. As of the date of this complaint, NFCU continues to report the balance of these disputed charges to all three credit reporting agenciesXXXX, XXXX, and XXXX. Any collection actions regarding this debt constitutes an attempt to collect a debt that is not legitimate, which violates federal law. Based on the above I provided XXXX officially the following : XXXX. Any assertion that I am responsible for the disputed charges is a materially false statement. XXXX. The letter from my military command confirming my training participation during the dates when the fraudulent charges were made serves as evidence that these transactions were charged fraudulently. XXXX. XXXX has a duty to investigate and validate all fraudulent charges disputed by consumers. XXXX. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), NFCU must not furnish any information relating to a consumer to any consumer reporting agency if NFCU knows or has reasonable cause to believe that the information is inaccurate. In this case, my fraud claim report, the letter from my command, and the police report serves as reasonable cause to believe that the information is inaccurate. XXXX. Under the FCRA, a person who is negligent in failing to comply with any requirement imposed by the law is liable to the consumer for all damages sustained by the consumer as a result of the failure, the costs of any successful action to enforce liability, and reasonable attorneys fees. XXXX. Therefore, I demand that you promptly remove the disputed charges from the above referenced account. If you fail to do so, I will initiate claims, XXXX XXXX under 15 U.S.C. 1681 XXXX XXXX | ||||||
| 06/21/2021 | Yes |
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| On XX/XX/XXXX, XXXX, and XXXX 2021 large sums of money was taken out of my account by scammers using XXXX XXXX. I had problems with them months before and felt that they had moved on because they had targeted my XXXX XXXX XXXX account for the sum of {$300.00}. The scammers had access to my social security number, address, passwords and personal id questions. They had convinced me to install Id.me and they gained access to my phone. I received the {$300.00} back from XXXX. They sent check books in my name and tried to threaten me to sign it and cash it in the amount of {$7000.00} and {$60000.00}. The name on the checks is my name and navy federal credit union. They also sent a check for me to cash in the amount of {$50000.00} from XXXX XXXX XXXX XXXX and said if I didn't cash it and follow instructions the men that it come from was coming after me, and i said no worries I'm sending it back to XXXX XXXX. I carried all this information to the police station and filed a fraud report. Then I took it to navy federal bank in XXXX NC, and they verified that it was a fake check and that the checks that were sent to me by ups were in fact not their checks. In XXXX XXXX I got two letters in the mail from XXXX XXXX and the letters said that I owed them {$51.00} and it was past due. So I called them and spoke to the manager who name was XXXX and I told her my phone was hacked and I had been defrauded and scammed and that I hadn't ordered any checks. She waived the fees and put a block on my name so they cant order anymore and she said they used a credit card and it went through for the purchase but didn't clear so that's why they came after me. N They took {$6600.00} out of my navy federal account using XXXX XXXX and neither one of the companies want to refund my money. Both have the same reason for not giving my money back. Navy Federal said because I used the app before I was scammed then they weren't paying my money back. I was still able to use my phone it was just glitching and the screens were moving by themselves and doing crazy stuff. on XXXX when money was taken I was at the airport in XXXX Texas boarding the plane or on the plane, on XXXX, I was outside doing yard work and my phone was inside my house charging and the XX/XX/XXXX my wife sent me {$500.00} because she left her wallet home and we were at XXXX shopping and I didn't even have my phone with me then to see if she actually sent the money back. Navy Federal Not one time called or texted and asked were i aware of these large charges coming out of my account, so they should be held responsible. I have my lawyer involved also XXXX XXXX XXXX XXXX XXXX XXXX, attorney XXXX is looking at all the evidence that I gave Navy federal to prove that I was scammed and to get my money back and they disregarded it. Then this morning the lady XXXX said they have in my file if I get an attorney to not speak to me to tell me to contact them by mail or fax. can you please help, this was my XXXX back payment money and I waited 5 and 1/2 years for this and have had numerous XXXX for someone to come and just take it then my bank not even protect it. | ||||||
| 04/15/2023 | Yes |
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Web | Servicemember |
| Summary : There have been three times that my credit report has been ordered over the past two months which has resulted in a significant amount of my personal information becoming available to various, unsolicited, callers representing mortgage companies whom have disregarded any request to be removed from their call listings. I initially reached out to my bank on XXXX XX/XX/2023 to begin a mortgage application which included running a credit report. Following this, for approximately 2 weeks, I was bombarded by spam callers from various mortgage companies. Each time I answered the phone to a number I was not familiar with, they would ask for me by name, have many of my personal details and begin talking to me about financing options. I asked them to place me on their do not call list, and asked that they never contact me again. I still continued to receive spam calls from these companies. My credit score was pulled again around XXXX XXXX, and the whole above process resumed. This occurred again on XXXX XXXX when I was again working with my loan company which again required their pulling my credit report. I describe the callers from " various mortgage companies '' because there were very subtle differences between the name of the company stated that they represented. For example, today, I was called by a person who stated he represented " XXXX XXXX XXXX ''. Many previous persons identified the company they represented as something similar ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ). As a XXXX, I am often called by various medical care personnel relating to the care or need of a patient. Thus, I have a commitment to answer my phone even when it's a phone number that is unrecognized. The above mass calling I have received over the past two months has potentially jeopardized the care of my patients. AND, I am very concerned about the amount of my personal information that is being shared by the credit reporting services. My understanding of the Home Mortgage Disclosure Act ( HMDA ) is that when a person 's credit is pulled for a mortgage, that information is required to be published and publicly available. What I have a problem with, is that this act is also supposed to protect the individual 's personal information by modifying what is reported. What's being modified? Who's enforcing this? There has been a very clear correlation to my application pulling a credit report and my personal information becoming available to spam marketing. I feel that my privacy has been violated by this practice and my wishes to be removed from marketing calls has been dismissed. The value of reporting a mortgage application is, undoubtedly important, and realistically able to be shared with the public. But who applied, where they live, how much they make, how much they owe, and all of their contact information DOES NOT belong in any publicly reported information. Further, financial institutions who continue to practice unsolicited, unwelcome, solicitation for business, regardless of an individual 's wishes appears to be violation of several commercial operating laws. | ||||||
| 11/15/2021 | Yes |
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| My son was XXXX when he went into XXXX XXXX ( in XXXX of XXXX ) and per the XXXX, he was required to open up a checking account so that his XXXX pay could be deposited directly into his account. My son and I went to Navy Federal Credit Union in XXXX, Virginia, the week before he left for XXXX XXXX and they ( the credit union ) had him open up both a checking and savings account, which I did not oppose. I was required, however, to be a joint account holder on both accounts in that he was still a minor. Those were his accounts, however, and were not used nor monitored by me. When he turned XXXX, I never removed myself from his accounts, and again, did not monitor or use either account. I have my own at a different bank. He apparently opened up several ( or some, I'm not even sure ) lines of credit and other loan products on one or both of those accounts. I was unaware of what he did, and did not consent to nor sign off on any promissory note. I'm not even clear as to when these things were done, and I never received anything from Navy Federal about any of the activities or transactions on any of those accounts. My son separated from the XXXX in XXXX of XXXX. I was still unaware of anything pertaining to those accounts. In XXXX while trying to refinance my home ( that I've had for over 20 years ), it was discovered by my lender that Navy Federal reported that I have accounts in default with them. Thinking that he ( my son ) might have let his checking and/or savings go into the red when he initially left the XXXX and before he started his new career, I contacted Navy Federal to ask what I had to do to bring the checking and savings accounts into the black. I was advised that both of those accounts were written off by the bank. I advised that that information is contained on my credit report and asked what I needed to do to remove that blemish. I was advised to fill out a request form asking to be removed and to send it to an address on the form or at any branch. I filled out the form and returned it to Navy Federal, who promptly denied my request and gave me an 800 number to call for an explanation. I called and was unable to get through to anyone, so I called a local branch and spoke to a branch manager. This was just this month ( XXXX of XXXX, or perhaps the latter part of XXXX ). That is the first time that I learned of all the other accounts ( financial products ) that were tied to the initial checking and savings accounts. Please note that I have my own savings account at XXXX XXXX, and a Visa card as well, both of which are in excellent standing. I'm not sure how XXXX XXXX could tie my son 's new lending products to these two accounts without notifying the joint account holder ( me ), and I should not be held liable for any of it, beyond what I agreed to. I only signed an authorization form to be a joint account holder on his initial checking and savings accounts, and nothing else!! Anything else done with those accounts was done without my authorization, permission or knowledge, and the blemish on my credit report should be removed. Thank you for your time. | ||||||
| 06/22/2020 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, I noticed a pending ACH transfer in the amount of approx {$3000.00} coming from my personal account. I immediately contacted NFCU to seek details and assistance in correcing the issue. The representative I spoke to on/about XX/XX/XXXX advised that transfer came from my personal account with NFCU and transferred into an external account with XXXX XXXX XXXX that was also in my name. She and I contacted XXXX via conference call and the external banking instituation confirmed the account was flagged for " fraud ''. I was instructed to complete a form NFCU82. The credit union has mishandled my accounts in more than one way. I was told in XX/XX/XXXX and XX/XX/XXXX that I would be issued a provisional credit while the investigation was pending, which has not been issued to date. My previous account with NFCU was also compromised and I was told it would be closed, however it truly was not. I have filed an appeal with regards to the almost $ XXXX, which included a XX/XX/XXXX police report regarding the identity theft and a letter from XXXX confiriming that I do not have any personal or business accounts associated with my social security number or FEIN. NFCU advised that a response would be given within 15 business days from XX/XX/XXXX submission. As of today, I have recived no response at all. I am requesting formal contact on filing legal correspondence agains the company, would like full details of any and all investigation that was performed and a status of my appeal promptly. Below is a brief timeline of my communications and questions : XX/XX/XXXX Faxed NFCU paperwork XX/XX/XXXX NFCU acknowledged receipt of the fraud paperwork and advised that an investigator was assigned ( via secure message ) XX/XX/XXXX Contacted NFCU and spoke to XXXX ( Fraud ) who advised that the NFCU 82 was the incorrect form for the type of transactions that occurred. She then emailed me a NFCU 50-Written Statement of Unauthorized Debit Form. Also spoke to XXXX ( Security ) XX/XX/XXXX Called and spoke to XXXX ( Fraud ) who confirmed the initial claim submitted in XX/XX/XXXX was denied, however she could not provide any further details. She attempted to reach out to Security, however I advised her that that dept actually transferred me to her. What dates/times were changes made to the method in which I receive account alerts, verification of activity, etc.? What account # /banking institution were funds transferred to, from checking account ending in XXXX? What IP addresses were the transfers made from and what dates/amounts? XX/XX/XXXX XXXX ( supervisor in account services ) XX/XX/XXXX XXXX am CST missed a call from XXXX in the security department XXXX XXXX CST Returned the call to security dept. Spoke to XXXX who advised that XXXX was calling in to verify if the auto loan was truly applied for. I re-advised that it was and that I was told my previous reps that the money was being rescinded due to it being a fraudulent loan. He advised that XXXX will be speaking with the business lending department on Monday ( as they are closed for the weekend ) and will give me a follow up call. | ||||||
| 08/27/2023 | Yes |
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Web | Older American, Servicemember |
| Hi, My name is XXXX XXXX the month of XX/XX/2023, Im a customer of NFC. while I was in California, I bought several things on the XXXX platform. I was in California for about three months. When I was finalizing the purchase in XXXX the delivery date did not appear until I put my credit card number and paid. As soon as I paid, the delivery date appeared. The delivery date was for the days when I was supposed to be back in XXXX, XXXX. When I realized that I was not going to receive the merchandise at the address where I was, I retracted the purchase. I did it because XXXX gave about forty-eight hours for that process. My surprise was great when on XX/XX/2023 I saw the {$61.00} dollars being charged to my checking account of my account at NFCU. I immediately reported the abusive charge by XXXX and mentioned that I had canceled the purchase two minutes after making it, which XXXX allowed me to do so. The days passed and NFCU started the dispute process. Weeks later they contacted me to ask me about the purchase. I told them all the details. Also, I told them that the XXXX system did not give me the opportunity to print the date and time when I declined the purchase. I had contacted the people where I lived when I made the purchase, and they told me that they had not received any merchandise in my name from the XXXX company. Clearly, this was an abusive charge by XXXX. When I sent this message to NFCU apparently, I did not follow the bank 's protocols and sent it to my account with which I had paid WISh. According to the NFCU, I should have sent the message to Dispute a Recognized Card Charge, but I sent it to ATM/Debit Card Issues. NFCU never specified that I should send my message to that specific location. Also, after all, it is the same bank, and I never would have thought that this made a difference. The above does make a difference for the bank because shortly after they sent me a message saying : A notice was sent requesting additional information on XX/XX/2023. As of the request deadline, that information has not been received. A review of your claim has been completed and we did not find a merchant error. Unfortunately, the time frame that has lapsed between the date of the transaction posting to the checking account and your notification to Navy Federal regarding the dispute has prevented us from pursuing this matter further on your behalf. NFCU never read my message even though they were required to read all messages sent by customers and respond within two days, but they never did. This caused NFCU to charge the {$61.00} to me. NFCU did not advocate for me as it is supposed to. They simply washed their hands of it saying that I had not answered the message sent by them within the time established by their rules. I buy very often from XXXX, and I have had several incidents when they charge me for things that I have not bought, and the card used for the purchase is simply canceled and my money is refunded. Now, I am afraid to use my debit card because I am sure that the NFCU is not going to advocate for me. I demand my {$6100.00} dollars paid back to me. Thanks | ||||||
| 09/12/2021 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX Consumer ID : XXXX I submitted CFPB complaint number XXXX in regards to information reporting inaccurately on my XXXX XXXX XXXX report. These items came back falsely verified and I am demanding an investigation. Also, I want a complete documentation of this investigation provided to me. The longer this unverified information is on my report, the more pain and anguish I feel. You are in violation of the FCRA and I am seeking remedy of {$400000.00} in compensation which you can send in the form of a check payable to myself and addressed to the addressed listed above. If these items aren't removed immediate, please expect an affidavit of truth to follow. Consumer ID : XXXX TO : NAVY FEDERAL CREDIT UNION In reference to to account Bank Routing # : XXXX Account # : XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that NFCU verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by NFCU. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. What you sent ( 4 illegible letters attached ) could be anything from anybody and is DEFINITELY not validation!!!! Please stop playing with me. This is making me XXXX XXXX. I can't eat or sleep and I feel like total XXXX because of this. Please delete this account immediately!!!! Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX Cc : XXXX XXXX, XXXX | ||||||
| 07/19/2020 | Yes |
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Web | Servicemember |
| To Whom This May Concern : I am seriously writing a real letter from myself, to dispute fraudulent charges on my Navy Federal accounts. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my accounts. You marked these accounts as closed and charged off. You already have my Identity Theft Reporting documents supporting my position, and a copy of my credit report showing the fraudulent purchases items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). Account applications made on paper, online, or by telephone Application records or screen prints of internet/phone applications Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on all applications and accounts Stop reporting information about the debt to credit reporting companies Expired Statute of Limitations 6 years in Pennsylvania This letter is to inform you that I am aware of my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my states Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in Pennsylvania has expired ( see attachment ). Therefore, should you decide to pursue this matter in court, I intend to inform the court of the expired Statute of Limitations. This letter will serve as your formal notification that I consider this matter closed and ask that you or anyone else from your company stop contacting me regarding this fraudulent debt matter, except to advise me that your debt collection efforts are ceasing or that a specific action allowed by the Fair Debt Collection Practices Act or my state laws, will be taken. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. Please use the attachment provided form IRS-1099c to write off this fraudulent debt and crease reporting me to the nationwide credit bureaus ( CRAs ). I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact. Thank you for your cooperation. | ||||||
| 06/22/2022 | Yes |
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Web | Older American, Servicemember |
| XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Mail a complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Friend : 13.8 percent of the U.S. households with XXXX ethnicity were unbanked in XXXX, which means that they had no account at an insured institution. My father is a XXXX XXXX XXXX veteran. Upon returning to America and the deep XXXX, XXXX. Although he had been promoted to the rank of XXXX he could only achieve employment has a driver. He was paid {$100.00} weekly in cash until the day he was injured on the job with insurance. As a veteran he never had a bank account. The socio economic conditions of the XXXX XXXX XXXX did not support the income foreknowledge or information flow for access to banking. I did not experience checking accounts until I arrived at a predominant non XXXX XXXX XXXX XXXX XXXX In XXXX I applied for a Navy Credit Union account after viewing a XXXX television commercial which encouraged veteran family members to apply. I was denied an account because my father did have knowledge of the Navy Credit Union access. In fact, no bank reached out to XXXX XXXX for banking services. Navy Credit Union grand father clause or requirement of previous family members appears to be a Civil Rights Violations and in conflict with the. Community Reinvestment Act. grandfather clause grandfather clause, statutory or constitutional device enacted by seven Southern states between XXXX and XXXX to deny suffrage to XXXX Americans. It provided that those who had enjoyed the right to vote prior to XXXX or XXXX, and their lineal descendants, would be exempt from recently enacted educational, property, or tax requirements for voting. Because the former slaves had not been granted the franchise until the adoption of the Fifteenth Amendment in XXXX, those clauses worked effectively to exclude XXXX people from the vote but assured the franchise to many impoverished and illiterate XXXX. Although the U.S. Supreme Court declared in XXXX that the grandfather clause was unconstitutional because it violated equal voting rights guaranteed by the Fifteenth Amendment, it was not until Pres. Lyndon B. Johnson introduced the Voting Rights Act of XXXX that Congress was able to put an end to the discriminatory practice. The act abolished voter prerequisites and also allowed for federal supervision of voter registration. With the passage of the Voting Rights Act, the Fifteenth Amendment was finally enforceable. Navy Federal Credit Union navyfederal.org Description Navy Federal Credit Union is a global credit union headquartered in XXXX, Virginia, chartered and regulated under the authority of the National Credit Union Administration. Navy Federal is the largest natural member credit union in the United States, both in asset size and in membership. XXXX Customer service : XXXX ( XXXX ) XXXX XXXX pay : XXXX ( XXXX ) XXXX Headquarters : XXXX, VA XXXX : XXXX XXXX ( XX/XX/XXXX ) Founded : XX/XX/XXXX Number of employees : XXXX Subsidiaries : Navy Federal Financial Group, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX, XXXX | ||||||
| 12/28/2019 | Yes |
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| Upon checking my credit report in early XXXX, I realized XXXX was not reporting my NFCU credit card. They are reporting my NFCU auto loan. I contacted NFCU and was told they are reporting to all 3 bureaus and to wait a month for my card to cycle and check again. On XX/XX/XXXX I checked my XXXX credit report and the credit card was still not reflecting. It does show on the reports from XXXX and XXXX. I contacted NFCU again to let them know it was not reporting and was again told how they report to all 3 major credit bureaus and I would have to contact XXXX. I advised them that I had been back and forth between the two of them already, and sensing my mounting frustration, they offered to forward my concern to the research team and I could expect a response within 24 hours. That same day I contacted XXXX and had a difficult time getting verified with the agent on the line. There was a clear language barrier and a breakdown in communication resulted in me NOT passing verification, even after I was finally transferred to an agent over the phone I was able to clearly understand. The new agent was unable to verify me and I was unable to get any resolution at that time. On XX/XX/XXXX I called NFCU back for the results and was advised that the research team contacted XXXX and was told that I filed a dispute which resulted in the suppression of my NFCU credit card account. NFCU offered no further solution, as they claimed it was now XXXX XXXX issue, and encouraged me to contact them. I did have a dispute opened in XXXX which included some of my closed accounts and old addresses. I did not dispute any open, valid accounts. Additionally, I have to reiterate that the NFCU account shows on the reports from the other two bureaus. I immediately contacted XXXX and was able to get to an agent I could understand where I was easily verified. I explained the situation and that agent informed me that they could not see the account in question, and therefore could not make any adjustments to the file. They encouraged me to have NFCU contact their business line ( again ) and see if they could resend a new file with the account info to them. I then called NFCU back and explained what I was told by XXXX. NFCU assured me they had nothing to do with why my account wasnt being reflected and why it's in a suppression status. I asked the representative to have my account manager contact me back so that the both of us could reach out to XXXX because the information they are being told differs from what is being relayed to me. I was told to expect a call back during business hours. I have no yet received a call. I am in the process of purchasing a home and would like this matter resolved as quickly as possible. I feel like XXXX does not want to take accountability for this issue and seem to be dragging their feet on helping me with a solution. I attempted to contact them today at XXXX but was told that again their computer systems are down and to call back in another hour. I was able to locate a copy of my closed dispute on XXXX and it mentions nothing about my NFCU account. | ||||||
| 07/10/2021 | Yes |
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Web | Servicemember |
| My husband and I are in the middle of a home purchase with a closing date of XX/XX/XXXX. WE NEED IMMEDIATE ACTION in order not to lose the house we are purchasing and/or have our deposit returned to us. In Summary, Navy Federal Credit Union provided Conditional Approval for Mortgage Commitment on XX/XX/XXXX, which was the commitment deadline stated in our XXXX XXXX XXXX. On XX/XX/XXXX NFCU retracted their financing commitment for reasons not stated in the conditional approval. We, the buyers, stand to lose our earnest money deposit because NFCU retracted their financing approval AFTER the mortgage commitment date. The facts of this transaction are as follows : -On XX/XX/XXXX we received pre-approval from NAVY FEDERAL CREDIT UNION ( NFCU XXXX in the amount of {>= $1,000,000} ; using this information we signed a XXXX XXXX XXXX on XX/XX/XXXX to purchase a home using a VA XXXX in the amount of {$960000.00}. - Our intention was to finance the mortgage 100 % using a VA loan, but the sellers asked for an earnest money deposit, to which we agreed in the amount of {$48000.00}. - ON XX/XX/XXXX WE NOTIFIED NFCU THAT WE HAD UPLOADED ALL OF THE REQUESTED DOCUMENTS. - On XX/XX/XXXX, we reached out to the loan processor to ensure that he was aware that the mortgage commitment date was XX/XX/XXXX. We have proof of this communication ( and many others XXXX. - On XX/XX/XXXX, NFCU requested XXXX tax returns, which we provided immediately on that date. - We contacted the loan processor and our loan officer many times leading up to the mortgage commitment date to check the status of the loan and were informed everything was in order. XXXX XX/XX/XXXX the loan processor requested a last minute extension ; the sellers agreed to a new mortgage commitment date of XX/XX/XXXX. - We again contacted NFCU many times leading up to our extended commitment date to check the status and were told they were waiting on tax transcripts they had requested from the IRS. - On XX/XX/XXXX we took it upon ourselves to access the IRS website and provided the tax transcripts directly to NFCU. - On XX/XX/XXXX we contacted NFCU many XXXX times, still awaiting financial commitment which was due that day. - At approximately XXXXXXXX XXXX on Friday XX/XX/XXXX we were given CONDITIONAL APPROVAL for our mortgage commitment. We read the list of conditions, which did not include anything that would impact our ability to purchase the home. - On Monday XX/XX/XXXX, we were informed that NFCU was denying our financing for reasons not expressly stated on the conditional approval letter. No additional information was received by NFCU between the dates the approval was given and the date it was retracted. - On XX/XX/XXXX our attorney confirmed with the sellers ' attorney that the sellers would not be returning our earnest money deposit because it was past the contractual mortgage commitment date. - We now stand to lose the home we are intending to purchase AND our cash deposit, through NO FAULT OF OUR OWN, as we did not have any opportunity to back out of the deal before our financing was removed. | ||||||
| 12/15/2020 | Yes |
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| On XX/XX/2020, we applied for a home mortgage loan through Navy Federal, and we were supposed to close on XX/XX/2020. XXXX XXXX, our mortgage processor, failed to acknowledge our final purchase price, which was given to her by our builder seller in several email communications. We didn't get closed in time, nor did she communicate efficiently to keep us in the loop. We didn't know we could not close until the day of closing and after which the closing time would have taken place. We were told by XXXX XXXX that our home 's final sale price was not taking into consideration for the appraisal, which would cause a ripple effect of us being upside down in the down payment and closing cost. Meaning we would have to bring an additional {$27000.00} to closing. Which is insanity and totally irresponsible as doing business. By not closing within the contract agreement signed by us and acknowledge by our mortgage processor and officer. We were charged late fees and daily charges by our builder XXXX XXXX for not closing specifically by XX/XX/2020. XXXX stated it would be only 2-3 business days. It has been weeks and months later, and we never did get a response from Ms.XXXX to get and determination of the reconsideration of our appraisal from the appraiser. As the buyers, this process was longer than expected It has been past 60 days to date since our application has been submitted. We had to pay the late fees and more money because we applied with a different lender. With all the loan processing and duration, we would not have made it in by the deadline with our contract to close with our builder XXXX XXXX ; a financially binding contract that we had with the sellers. In which we couldn't afford to lose because we had five percent down. And, we feel the financial institution Navy Federal, whom we bank with, didn't care! As the buyers, we feel that someone from Navy Federal could have more clarity! From mishaps, switching processors in the midst of our loan, to very little or no communication from our financial institution, unless we call in several times a day, or unless we incinerate the email communication. Navy Federal has not been very much proactive or honest and clear from a lending standpoint. Also, the Navy Mortgage team not acknowledging purchase prices in the beginning stages of our loan on new construction to final prices. Not transferring information over to those who need it. Many back and forth with our closers on sent over already gathered information multiple times from the seller, and gathering info from ( us ) as the buyers. Sending information over at the end of the business day after XXXX XXXX Est. Mainly on Fridays. And to top it off, the day of closing, two hours after our initial setup time of closing, we get a first-time call ever from our processor XXXX XXXX, that we will not be closing after we have taken off from work and had set up pre-scheduled movers. We find this all very unprofessional on Navy Federal part! We digress in the way this whole experience has been! It has not been pleasant and is very much stressful! | ||||||
| 03/07/2023 | Yes |
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| I have a credit card with Navy Federal Credit Union. It was a card for XXXX. During the start of XXXX, my hours were cut down to XXXX hours per week. After 6 months my hours went back up to XXXX. In XXXX of XXXX, I left the company due to severe anxiety. Navy Federal Credit Union knows all of this. I even offered to give them check stubs and show them proof of unemployment. They refused the information. Even so, they could see the deposits because my money was deposited into the checking account I had with Navy. They did set up payment arrangements during some of this time. XX/XX/2022, I started a new job and my hours were XXXX which they consider full time. I took a pay decrease as well. But I needed to go back to work because I have an XXXX daughter who I have to spend hundreds of dollars on meds even after insurance. I also offered to show Navy proof of this, however they refused. I get repeated calls during the week and voicemails. I spoke with several people and it was also on their recored line offering help. Help was also on the voicemails. However, when I call, the fact is they said, there ere no help to offer. The have my monthly payments at over {$300.00} a month and it draws interest daily even though the card has been closed for over a year. And I was told, its on your credit and will keep damaging it until I pay the monthly fee they said to make. I informed Navy credit cards department, managers, supervisors and employees that I can not afford that monthly payment with my income, keeping up with my daughter XXXX meds, bills and mortgage. A XXXX told me that I could just pay what I can. However, the next week when I could not access my checking account. I was transferred to speak with the credit card department first and make arrangements before they would release my money in my checking account. Which was {$700.00}. This has been happening for months. The same thing. Lock me out from my money. When I informed them, a XXXX said, I can pay what I can because of my situation. The other XXXX said, that's incorrect and didn't bother to listen to the call from previous and said, there is nothing in the notes. For the past couple a week I been sending {$130.00} to the credit cards bi-wkly. Paying what I can. And Navy Federal Credit Union dept is still reporting my credit card account late every month. By law, if I pay something, it is not suppose to be reported late. I have also been to my doctor because my anxiety is back out of control due to the high levels of stress from this card and the communications with Navy Federal Credit Union. I have to now take medication from this. I have told Navy Federal Credit Union credit card department this and have cried on the phone many times. And they do not care. They just keep telling me, it will keep reporting negative until I pay the over {$300.00} a month they are asking. Also the balance is not going down at all. It just keeps going up. Even though the card has been closed over a year. At least I am making an effort, however they not even taking that into consideration. | ||||||
| 05/15/2020 | Yes |
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| One XX/XX/XXXX Navy Federal Credit Union used my joint deposit checking account applying the right of offset to collect money owed on an unpaid single user Visa credit card that was linked to a single user checking deposit account and a line of credit.. There is a Affidavit Judgement entered on XX/XX/XXXX for the Visa account. I was never served nor have I received any district court notices or levy/garnishment. As a direct result the of the suspension ( approx. XX/XX/XXXX ) from Credit Card usage, the linked checking deposit AND savings deposit accounts were completely restricted to deposits only. Meanwhile debiting the restricted checking account for the minimum payment due. Navy Federal knew there was no funds in the account. Also, I did not sign any Security Interest Agreement ( s ) EVER! I recently received a Paycheck Protection Program loan under the CARES ACT through XXXX XXXX/SBA of {$8100.00} on XX/XX/XXXX via direct deposit. Navy Federal has NEVER attempted to apply the right offset my accounts since ( approx. XX/XX/XXXX ) until XX/XX/XXXX, one day after the stimulus direct deposit. With no warning at XXXX XXXX, {$6100.00} was removed from my joint deposit account and applied to the Visa and line of credit, leaving both with XXXX balances. Four hours prior, at XXXX XXXX I used my Visa Hybrid Joint Debit Deposit Card for fuel and a sandwich at a nearby convenient store. The PPP funds were still in the account. I spent most of the day trying to convince NFC representatives and well as management to reverse the illegal, fraudulent transactions. I repeatedly informed them about several violations they committed. I managed to capture most of my conversation with the employees using a call recorder app on my phone. They quick to inform me the call was being monitored. I responded in kind. All three representative were quite aware of the violations. Their silence was defining. I was place on hold for a very long time knowing they really didn't know what to do or say. I offered email documented proof several time of their violatons which ALL of them refused to accept. Finally I was given their Attorney 's contact information which I reluctantly accepted. I then decide to email ( with an end business day deadline ) NFCU 's executive management as well as their attorney my evidence and excerpts of Federal and State law outlining the numerous violations that were ( at this time ) knowing committed. Two hour later the Manager left a message on my phone. I explained to a new representative the same and received the exact same response. I mentioned that I would escalate matter if their prompt attention was not committed on resolving this problem. I have drafted a motion ( DC-CV-036 ) MOTION FOR RELEASE OF PROPERTY FROM LEVY/GARNISHMENT OR TO EXEMPT PROPERTY FROM EXECUTION to file Friday XXXX, XXXX. I will attempt one additional round of phone calls and emails before filing the motion electronically with the District Court. Any help and/or guidance would be greatly appreciated! Thank you for your time and attention ... COVID-19 FREE!!! | ||||||
| 03/21/2020 | Yes |
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| 1. I went into the branch in XXXX Florida to dispute some unauthorized charges on my account and was discriminated against by the branch manager in so many ways so I was given no choice than to contact her manager and file a complaint against her and as a result she defended her self by crying to him and claiming she did nothing wrong and he ultimately refused to help me and was extremely unprofessional and disrespectful to me. 2. I went into this particular branch for the 2nd time passing 10 other branches, because I have had such a great experience on my first visit. However once I got there the XXXX XXXX guy was very difficult to work with and I said oh you must be new and he got mad and disrespectful and said to the other guy HELP HER BEFORE I LOSE MY XXXX XXXX JOB I agreed however he continued to disrespect me also he asked me for my ID for a non monetary transaction but when the XXXX guy came to do a monetary transaction he never asked him for his ID so I said to the good guy that took over assistanting wow so I get asked for my ID but not the the XXXX guy? and the bad guy said XXXX XXXX XXXX XXXX TALKING TO ME and I said Im not talking to you wow they hire people like him here? Well Im going to file a complaint then he walked away from his desk blowing hard and flexing his muscles like he wanted to fight me. So I complain on him and the good guy was my witness yet I am now banned from all branches. Well Im reporting this to the XXXX AND THE XXXX 3. I was trying to request {$200.00} from my boyfriend and instead made a mistake and sent him {$200.00} and he was unable and I could not get in touch with the XXXX XXXX company so I petitioned you my bank to get my money back and you all did that then 6 mos later you came back and over drafted my account for {$200.00} saying Im sorry but you can not have your money back although this was a mistake!! So of course I refused to give you back my own money and I closed all my accounts and moved to XXXX and now that Ive discovered that you all are also located in XXXX too I wanted to reopen accounts particularly my credit card account. I was told the checking was charged off and you all want me to give you all my money back for free on order to do this. That is fraud and what should I do contact FDIC or my attorney or??? 4. I went into a branch on the west side of XXXX Florida to have something notarized and they were being nice and professional to me until they looked at my account and out of no where they bum rushed me like I was some bank robber and escorted me to the back of the bank everyone was afraid and in shock and was staring at me like crazy it was so embarrassing. They told me that they are sorry I havent received notice yet but I am not allowed in any branch I can only do online banking!! 5. In addition, as a result of my complaints and the fact that I called the police on them I received an email telling me that I was banded from ever going into their branches. So I closed my checking, savings and credit card accounts with them and ultimately it messed up my credit. | ||||||
| 06/06/2021 | Yes |
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Web | Servicemember |
| I applied for a mortgage through Navy Federal, and was prequalified for {$400000.00}. We found a home we like and signed a contract to buy it for {$280000.00}. The Navy Federal Loan Processor, XXXX XXXX, NMLS # XXXX, advised us the anticipated closing date of XX/XX/XXXX would be " no problem '' and that she would get everything processed. She then handed off our loan to XXXX XXXX XXXX, NMLS # XXXX, who appears to be junior to XXXX based on their titles. This was the first inklilng we got that there might be trouble - XXXX immediately started backtracking and claiming they may not be able to close on time, and demanded additional documentation even though my loan had already been approved. One of the additional items she demanded was a copy of my bank statement showing the earnest money check had cleared. I sent it to her, redacted showing only the relevant transaction, and she demanded an unredacted version showing every single transaction through my account in the prior month, and proceeded to threaten me - if you don't send it immediately your closing will be delayed. Even though it is none of her business, we had nothing to hide so I immediately sent an unredacted copy. That wasn't enough, however. Despite us signing a contract in early XXXX, they didn't get around to ordering the appraisal until XX/XX/XXXX, and she claimed they were doing everything they could to " rush '' the appraisal, but in actuality they did nothing - they never assigned the file to an appraiser, blaming an intermediary they hire for the delay. As it became closer to the closing date and XXXX was still making excuses, I reached out to her boss, XXXX XXXX, MLS # XXXX. She seemed to be trying to help, and said that hopefully although they couldn't get an appraiser willing to do their job, she would work with the appraisal underwriter to get them to accept an electronic appraisal. Finally I had hope of actually meeting the closing date - appointments had already been made for the closing, utility connections, driver 's licenses, etc. that I didn't want to have to cancel. Unfortunately, she emailed back and said they would not accept an electronic appraisal, and not only that they would be closing my file. This after running a second credit report on BOTH my wife and I, because they had a typo in a single digit of my wife 's ssn the first time around, that did not prevent them from getting the report. I emailed XXXXXXXX XXXX boss, an individual named XXXX XXXX, but he was too busy or too lazy to bother answering my inquiry, so I'm filing this complaint. In the meantime, on a Saturday no less ( yesterday ) I received an electronic denial of credit letter - informing me that my mortgage was denied due to inadequate collateral. The collateral is NOT inadequate, nor do they have any reason to believe it is inadequate, they made no effort to determine it's value other than supposedly listing a request for an appraisal that none of their appraiser 's picked up. This is clearly a false reason for denial, and they did not make sufficient effort to obtain an appraisal. | ||||||
| 08/26/2021 | Yes |
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Web | Servicemember |
| This continuing mortgage issue with NFCU has been a nightmare that has harmed me financially. I have had an FHA loan with Navy Federal Credit Union XXXX NFCU XXXX since XX/XX/XXXX. I have never had a late payment on it. I requested in XX/XX/XXXX a loan forbearance through the CARES ACT due to financial difficulties with Covid-19. I am XXXX as is my spouse. In XX/XX/XXXX my spouse suddenly went XXXX after we both had XXXX a few months prior and decided to end our forbearance quickly due to our need to possibly try and sell our existing home because having steep stairs became a hazard, and to also give us some time to get back into making house payments again. We were told you must make at least 3 payments to either refinance or purchase another home. I also was desperate to bring my currently reported mortgage balance down to where it should be ( about $ 36K ) rather than the now over $ 40K reported balance. Despite being told that my credit would not be harmed during forbearance, NFCU spent over a year adding interest and late fee 's to the balance being reported. That alone caused my credit score to drop over 100 points as balances are supposed to decrease not increase. I asked for assistance throughout XXXX from CFPB and NFCU but NFCU refused and CFPB did nothing to stop them. NFCU knew that what they were doing was purposely harming my credit. I exited my forbearance in XX/XX/XXXX and made a mortgage payment immediately but was not applied to my mortgage. I was given no options by NFCU other than a stand alone claim which was approved but no other options or modification to my mortgage was offered or discussed. I had to log into my online account and print all my documents then I was responsible for providing notorized copies to NFCU and mail them. To date I received nothing pertaining to this stand alone claim was told nothing about the program. rather I waited patiently for my credit scores to rebound once my mortgage balance was brought down to where it should be if no forbearance due to this pandemic disaster had occured. And my scores did rebound only to drop AGAIN in XXXX when NFCU reported my mortgage balance as being OVER $ 40K AGAIN! I was shocked and angry and confused and contacted NFCU many times only to be told that the " system '' didn't know how to process this $ XXXX payment thus kicked it out again and reported my mortgage balance as increasing $ XXXX causing my scores to plummet once again. NFCU admitted it was their error but has done NOTHING to correct this false information with the credit bureaus telling me that I have to call each one, they will not. I have been victimized yet again and additionally my payment went up ( {$280.00} to {$300.00} ) DESPITE my first payment being applied to my escrow account to insure this DID NOT happen. NOTE : NFCU no longer originates FHA loans. If my scores were not harmed by them I would seek out a cash out refi VA loan so that I could find a single story home while renting my existing home out while awaiting its sale. But qualifying might be an issue with my credit scores again. | ||||||
| 07/15/2019 | Yes |
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| The CFPB has been contacted in hope the collections department at Navy Federal Credit Union will take my complaint more seriously. I've already spent numerous hours, loss lots of sleep, and experienced tremendous anguish over the error caused by their collections representative. The issue arose from being transferred to the collections team by a NFCU credit card representative. She indicated the collections department was the only area to assist with refunding late fees. Consequently, what I experienced was a malicious and possible illegal tactic of that representative. He placed me on hold/mute and created an authorization to debit my checking account. This was NOT something he read disclosure on or verified my permission to do. As such, his act started a series of events that would require multiple individuals, emails, and processes to keep me from incurring NSF charges from outside institutions. It was simply wrong of him to do. My attempt to address the issue occurred the day the draft happened. I spoke to a collections supervisor and that person 's supervisor. Neither were willing to assist, so I asked to have the matter escalated. What I received was a phone call later that evening from the original collections representative 's supervisor. In that conversation, I was essentially told I was to blame for the error. What is this complaint about? ( A phone call into the Collections the department that prompted an unauthorized draft to my checking account ) What type of problem are you having? ( The unauthorized draft created an overdraft, an insufficiency that caused a return status on my account ) What happened? ( It has been excruciating to address the repercussions of that unauthorized transaction ) What company is this complaint about? ( Navy Federal Credit Union 's credit card collections department 's use of illegal tactics in collecting monies ) Who are the people involved? ( I don't know the name of the person who processed the unauthorized request, however I did speak to a collections supervisor named XXXX and his supervisor XXXX ) I recognized this error occurred very early on the morning of XX/XX/XXXX and reached out to the checking customer service team. They were able to aid with the overdraft and returned item. Later in the morning I spoke with the credit card collections team and was told XX/XX/XXXX is the date permission was given to debit my checking account. I can't emphasize enough that the representative never ASKED me if it was okay or read any type of disclosure. They acted in error and created tremendous harm. Yet, no act of consideration or reciprocity has been given. I'm open to any act that is fair for the harm that has been done and am grateful the CFPB created this platform for the consumer. I look forward to a prompt response. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX P.S. There is still a credit balance sitting on the credit card as the representative not only took monies without permission, but he exceeded the balance that was on the statement ( he really did a horrible job ). | ||||||
| 03/27/2020 | Yes |
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| In early XXXX, I was railroaded by an identity theft attack that has resulted in the destruction of my credit file. I first noticed a problem when I was denied for credit and when my credit card was cancelled. Shortly after I began receiving notices from debt collectors. My first attempt to address the matter was to hire a company known as a credit repair service. Months went by and little was done to improve my situation. I began researching how to recover from identity theft which is when I filled out my FTC identity theft report. My FTC report number is XXXX. I printed out all the letters, reports, disclosures, proof of identity and followed every instruction. I mailed out letters to every debt collector, original creditor and all 3 credit bureaus reporting the identity theft to them. My second attempt was to file a police report with XXXX County Sheriff 's Office. My police report case number is XXXX. The results were that most creditors complied with my requests and removed the fraudulent accounts from my report. The credit bureau 's also blocked several accounts such as Navy Federal Credit Union and Discover Financial. Over the course of these past 2 years, these accounts have popped up on my credit file multiple times which results in me spending more time printing and organizing letters, postage costs, trips to the post office, etc. They've also reported multiple account numbers at times, multiple entries and sometimes no account numbers at all. After 2 years of this nightmare, I am ready to have peace restored in my life. I recently went for a HELOC loan from XXXX XXXX and was denied because on my XXXX, Navy FCU is reporting an account. The underwriter understood my situation but was unable to approve me due to this fraudulent and delinquent account reporting. XXXX XXXX account number XXXX is reporting on my XXXX credit file. This account was opened in XX/XX/XXXX. They are claiming the balance due as {$21000.00}. No matter how many times I have mailed XXXX XXXX asking for all documents regarding the account, all receipts, all statements and removal of the account they have ignored me and refused to comply. They sent me 1 packet that had 1 page cover sheet showing a statement balance. That is all I ever received from them. At this point they are interfering and violating my rights under the Fair Credit Reporting Act. Navy Federal Credit Union is reporting 2 accounts for me, Account numbers XXXX and XXXX according to what is reported with XXXX. These accounts were opened in XXXX and XXXX of XXXX. They are claiming my balances as {$27000.00} and {$30000.00}. They are also reporting XXXX of these accounts with XXXX. I have never had any account with navy federal credit union and I have never been in the military. I have mailed Navy Federal over a dozen times in the past 2 years asking for documentation, receipts, statements and to remove these accounts and they have refused to comply. I have never even received a response. At this point they are interfering and violating my rights under the Fair Credit Reporting Act. | ||||||
| 05/12/2023 | Yes |
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Web | Servicemember |
| I am in the medical field as a XXXX and ever since XXXX, nothing has been right with my finances. It has been difficult and caught in a spiral. My income has been down and I am currently overwhelmed with debt.Yes, it would be easy to file bankruptcy and " charge off '' my debt, however I choose to try to work hard and make this work so that my debtors will not regret their trust in me. Even if it means that I eat less and help my child going thru college less. Because of this I still have 100 % on time payment history on my credit report. I have not yet let anyone down. That being said, I have explained this to Navy Federal over my credit card when I was hit worst back in XXXX of XXXX at that point they were getting XXXX a month from me and I simply could not do that anymore. We have agreed to close my account and they put me on a " lowered payment '' for a year. And said that we would " revisit this in another year '' ( In which I would have to apply for assistance again. I don't know who does this after an account is closed, but apparently they are the only ones who do. I have spoke to several Credit counselors and said they are unsure about this practice. Usually when someone closes their account the goal is to collect the principle ( maybe some interest ) and move on. Not Navy Federal. They put me on a " plan '' of $ XXXX since then. EVERY year at some point my payment baloons from $ XXXX to more than double! Like $ XXXX or more! I have called every year to explain that I can not make the payment in all honesty. This year they wont do anything about it. They " financial counselor '' chastised me. Made me feel like less than a person. Embarrassed me and at the end of the day refused to lower the payment. I have called and tried to speak with them since I recieved the bill. Basically a XXXX weeks ago. Every day trying to get in touch with that department. Spending hours on hold or talking to people that cant or wont help. No one will help or even talk to me at all. I asked for a manager in which they either claimed there was NOT one OR that they would call me back. Never did. Sice XX/XX/2021 I have paid $ XXXX on their lowered plan like clockwork. Never late, always on time. I have noticed that after every payment there is NO balance. Meaning its interest. I have been on a hamster wheel and balance is only going up even after all the payments. They can pull my payment history and see for themselves. I dont understand. If the account is closed and I tell you how much I can pay, why not take it and help me find a way that I can eventually pay this off even if it takes years instead of getting nowhere. I cant believe this is how they treat military families. I dont know what else to do besides not pay anything so that maybe someone will call me back to discuss this and help me to get this paid and not by a payment that I honestly can not afford that is XXXX more than I was paying on a CLOSED account. This really is taking advantage of people and predatory practice if they are doing this to other hard working and honest people. | ||||||
| 09/25/2022 | Yes |
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| In XXXX of XXXX, I applied for a mortgage loan with Navy Federal Credit Union ( NFCU ). Shortly after, I was able to see a pre-approved amount of $ XXXX within my online banking. The application was not yet complete. I had to gather more documentation from my job 's HR department. While doing this, I started getting symptoms for XXXX and ultimately XXXX XXXX. I was feeling very ill for weeks. Once I was able to complete my application, I provided all the correct documentation. I was denied by loan officer, XXXX XXXX. I attempted to contact her multiple times by phone and left messages after I found out I was denied. I received documentation stating that it was due to my credit and incomplete application. XXXX XXXX never returned my phone calls, so I sent her an email. She finally contacted me back. She directed me to send an email to appeal the decision and she would get back to me. I sent in an email as requested. She let me know that my application was actually completed but, I could attach additional information if I wanted. The comment about the application being incomplete should have never been inserted. I decided to attach my 401K balance just to show additional funding even though my consumer accounts held more that 15k at the time of my application. Along with additional funding, I sent in an explanation of why the mortgage would help. I was trying to relocate to the XXXX XXXX and wanted to stay in an inexpensive first-time home. This would eventually help me be a home owner and I could one day rent the home for additional income ( creating wealth ). This created another waiting game. I had to contact XXXX XXXX again and again. She finally contacted me back and let me know that I was denied. I asked why and she stated it was because of my credit. I asked for details and she then changed and stated that it was because of a delinquency. I did not have any outstanding debt at the time of my application. I continued to ask for details. She then states my credit score was actually ok and that it may be because of a past debt. I told her again that I did not have debt and had not had a late payment in years. She apologized. She sent another denial letter and it basically stated again that my application was not complete and because of my credit score. This let me know that she was taking it upon herself to deny my application and did not properly escalate my appeal. I was discriminated against. I believe due to my race, illness, and the area that I wanted to live in. I attempted to contact NFCU again in XXXX of XXXX. The representative stated that XXXX XXXX must have deleted my application because he could not find it. Then I was emailed another duplicate denial letter directly by XXXX XXXX. She intentional is trying to hold me back from financial gain due to her own beliefs and prejudice. Shortly after the denial of my application. NFCU began sending me pre-approval letters for mortgage and I still receive them to date. My credit and income had not changed however, I received these offers over and over. | ||||||
| 03/24/2021 | Yes |
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Web | Older American |
| XXXX XXXX, Sr XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX Honorable Secretary XXXX XXXX, I write to you today out of a deep sense of frustration as an XXXX American living in Virginia over fifty-four years. During this time, I have been discriminated against, due to my race, several times in the workplace here in Virginia, all documented with U.S. Equal Employment Opportunity Commission. The last place of employment, I worked as a XXXX XXXX at XXXX XXXX in XXXX, Virginia. There was a position open as a XXXX XXXX XXXX, which no one wanted, I applied for the position, was declined, to find out later XXXX XXXX want a XXXX person for this position. I filed a discrimination complaint with the EEOC and given a right to sue. A few weeks later on XX/XX/XXXX, I was terminated from my job at XXXX XXXX. In order to provide for my family, I apply for unemployment benefits, which normally last for one year until full employment is achieved again. At this time, I had enough with systematic racism and discrimination in Virginia and I started working as a XXXX XXXX XXXX. Due to stress situation, I had a fainting spell, my XXXX XXXX went up, I was hospitalized for two days. A few weeks later I received a bill from the XXXX, for over {$20000.00}. During this time, I am getting half of my income which put a serious strain on our financial situation, which forced my family into bankruptcy on XX/XX/XXXX. During XXXX we open a bank account with Navy Federal Credit Union. Since being a loyal member, we applied for several personal loans and several Mortgage loans, after Navy Federal Credit Union was advertising help for members with challenged credit and low income. I asked Navy Federal several times to explained to us as to how we can get a loan with their bank. At least two white loan officers were very rude, appears to be discriminating against my XXXX American family. For the past five years we have paid our rent on time, while building our credit history due to systematic XXXX here in Virginia. According to reports Virginia has several Mortgage programs through USDA and VHDA for first time home buyer and low-income families. VHDA share a list of lenders who supports their programs. We have contacted several, they pull our credit and never follow us with us again as the status of our loans. I was told by one loan officer, due to the bidding wars, they dont waste time on low income or first-time home buyers, they focus on now who has the most money to purchase homes in Virginia. Also, no Lenders or loan officers in Virginia looked at our rental history. I am sure you know XXXX American continues to be disenfranchised and discriminated against here in Virginia. Also, I noticed while calling several lenders in the Virginia area, theres no XXXX American loan officers or lenders to help XXXX Americans on the pathway to home ownership. We truly appreciate your help get my family approved for a home loan with down payment help and closing costs as stated in Virginia first time home buyers and low income programs. Sincerely, | ||||||
| 12/28/2018 | Yes |
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Web | Servicemember |
| On the date of XX/XX/2018 I contacted Navy Federal and advised that fraud had occurred on my debit card, ending XXXX. Fraud claims were filed on all reported transactions ( {$62.00}, {$83.00}, {$62.00}, {$46.00}, {$20.00}, {$9.00}, {$44.00}, {$170.00}, {$8.00}, {$44.00}, {$15.00}, {$25.00}, {$100.00} ). As a result of the fraud claims being filed a provisional credit was issued to my account in the amount of {$700.00}. An alleged investigation was conducted and determined that allegedly no fraud had occurred for the transactions ; as a result the provisional credit issued to me was removed. During my phone conversation on XX/XX/2018 I informed Navy Federal that the funds did not dispense from the ATM. just as i did the first time I disputed said transactions when the rep. entered the claim as fraud. Navy federal sent me a letter decision/legally meritless statements from atm owner in XXXX regarding the transactions that are in dispute. the letter decision/non-factual conclusions based on circumstantial " evidence '' which draw no conclusions of FACTS regarding this matter is what Navy Federal is using as a reason to not refund my money. I previously stated to Navy Federal, that I did not benefit from these transactions. I was not disputing if the atm dispensed cash As the unverified documents or papers navy Federal has purportedly forwarded to the address on file pertaining to the XXXX XXXX XXXX. account claim. To be clear, I am disputing the unfactual claims that I, XXXX XXXX XXXX as account beneficiary actually received or benefitted from the disputed funds. I did not benefit from these transactions nor did i receive the funds from the atm transaction ( s ). The atm did perform as if the funds would be dispensed however the funds were not dispensed FOR ME. Navy Federal 's unverified conclusions were based solely on circumstantial papers or hearsay from a third party, that do not support the atm owners claims, if they are in fact alleging that I was ever in receipt of the disputed transactions amounts. Thus, no documentation or papers provided by the atm owner support any claims regarding my actual dispute and as a result thereof the papers provided by the Atm owner are nonresponsive to my claim. The decision of denial regarding the disputed transactions Is prejudicial to, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX account. without verified proof Navy Federal has a duty to replace the funds taken from the XXXX XXXX XXXX account. Moreover, To prevent ATM owners from denying claims arbitrarily, they must be able to provide supporting documentation in this case they did not. If the atm owner wishes to pursue this matter further, he/she must provide additional documentation for further review. If he/she is unable to provide additional documentation Navy Federal has a duty to honor their policy or terms and conditions regarding the disputed transaction amounts by crediting the XXXX XXXX XXXX account in the amount of the disputed transactions. Sincerely, XXXX XXXX XXXX, Account beneficiary All rights reserved XXXX | ||||||
| 03/07/2018 | Yes |
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Web | |
| In XX/XX/XXXX I applied and was approved for a Navy Federal XXXX XXXX card with a limit of XXXX. I also was informed of a promotional offer of XXXX bonus points if I spent XXXX or more within 90 days of my account opening. I followed all instructions. I was followed up on several occasions to XXXX XXXX via Telephone conversation at the Credit Card Contact center as well as via the XXXX XXXX XXXX in XXXX, CA. I was assured on many avenues that the points would be posted to my account and that I just needed to allow 6-8 weeks after the 90-day period from account opening. As of today, I still have not received those bonus points on my account. I spoke with a Navy Federal Representative on XX/XX/XXXX who stated he would be opening a case for me to have those bonus points credited to my account. That representative never created a case for follow up. On XX/XX/XXXX I was advised I was not eligible for the bonus offer. I spoke to many people including XXXX a supervisor and was told that they would not do any additional research on my request except as for the department to make an exception for points which would probably be declined. I asked XXXX if she reviewed all my phone calls from the start of my calls to Navy Federal ( First call being on XX/XX/XXXX. She stated she reviewed the last five calls and unless I gave her a specific date she would not spend any more time ) As a valued member of Navy Federal Credit Union I'm very disappointed in her lack of support for resolution. I know that I was told on several occasions and assured that I was getting these points. I was also led along. Never once in my interaction until today XX/XX/XXXX was I told I was not going to be eligible for those points. I'm also disappointed that a manager level employee at the Bank would not be willing to do the right thing and research my calls back to 1XX/XX/XXXX to find the conversations that I was lead on by the bank. I felt as her lack of understanding, making comments that she has done enough research and spent enough time that she was ultimately calling me a liar, and presuming that I had a false claim about being misled about these points. Here are the following dates I had conversations with Navy Federal. This data is coming directly from my carrier. I'm still working on getting call Data from XX/XX/XXXX to present to cite in my complaint. This will be available in the next couple days per my Cell Phone carrier. XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX {$0.00} | ||||||
| 12/08/2023 | Yes |
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| According to 15 USC 1681 {$600.00} of the Fair Credit Reporting Act " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. '' ( Furnisher of information to credit agencies ) is a consumer reporting agency and I am the Consumer. I invoke my right to to ensure my private information IS NOT shared as backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution as defined under that title 15 USC 1681 {$600.00} sec. 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Additionally, these companies that furnish information to credit agencies, financial institutions and the Consumer reporting agencies XXXX, XXXX and XXXX DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX, XXXX XXXX, ( Furnishers of information to credit reporting agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnishers of information to credit reporting agencies ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 SUC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. According to, 15 USC 1681 s-2 ( A ) ( 1 ) A is states " A persons shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, 15 USC 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES. | ||||||
| 12/01/2023 | Yes |
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| Navy Federal Credit Union, started reporting late payments XXXX. Amount {$6100.00}, " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' | ||||||
| 08/08/2016 | Yes |
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Web | Servicemember |
| During the past 2-years I have experienced extreme incompetence in the servicing of both my home mortgage loan ( XXXX ) and an equity loan ( XXXX ) as well by Navy Federal Credit Union ( " NFCU '' ). In the past, I would call NFCU 's mortgage department and/or customer service and request transfers from my checking account to pay both loans. Unfortunately, due to several frustrating and harassing calls by NFCU 's mortgage department stating that my accounts were delinquent, when in fact they were NOT, I ceased calling-in to pay both loans via telephone. Over the years NFCU consistently would assess late fees and call with harassing requests that were INCORRECT. I began going into the branch and making both loan payments directly with the tellers at either XXXX and/or XXXX, MD branches. Unfortunately, these same incompetent ERRORS continue to happen! I received a harassing phone call from NFCU stating my account is delinquent when in fact the teller incorrectly applied the payments on the same day that I make BOTH payments. Late fees are accessed that are based on NFCU 's errors and attempting to get clarification from NFCU representatives proves frustrating and often unbelievable. Their technology is obviously not advanced to meet the simplest demands from clients/customers, nor capable of actually reflecting accurate payments. It is an antiquated NFCU practice to make a loan payment, funds must be transferred from an existing account, thus, prohibiting direct cash payments when in a branch, and I strongly believe this creates confusion for the tellers. Bottom-line, I want ( 1 ) an accurate statement per loan listing each and every payment I have made within the past 2 years, and ( 2 ) removal of all late fees. Additionally, I want ( 3 ) a separate statement providing full disclosure ( dates and corrections ) of the incorrect application of funds to either the equity line or mortgage loan payments. Today I spent over an hour on a call with a NFCU mortgage representative, XXXX ( XXXX ), who had to transfer to a mortgage supervisor, XXXX ( XXXX ) and both were more confused than I was with the status of my loans and the application of my payments. XXXX even questioned why late charges were not applied to my account when in fact my payment have been made in advance or due dates yet NFCU 's mortgage system does not accurately correspond with the checking account records ( which lists the actual transfers from my checking to pay the loans ). The customer service has been unbelievably inept and amazingly automatically accuses customers of being delinquent when in fact they are NOT DELINQUENT. A customer MUST keep all receipts received from the BRANCH because the information placed in NFCU 's computer system/technology by the NFCU 's inept representatives does reflect actions taken by consumers. NFCU should be placed on some form of regulatory supervision and it should be publicized so that all customers are aware of the magnitude of dysfunction that ends up costing the customers and being profitable to NFCU. | ||||||
| 10/20/2023 | Yes |
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Web | Servicemember |
| This is an ongoing issue involving a fraudulent claim initiated on XX/XX/XXXX. The unauthorized charge took place on XX/XX/XXXX, totaling {$1500.00}. My personal information was compromised, leading to multiple charges across different financial institutions. We managed to resolve all claims with the other financial institutions except for the Navy Federal Credit Union. When I initially filed the claim on XX/XX/XXXX, the representative mistakenly categorized it as a disputed charge rather than a fraudulent claim. A few hours later on the same day, this claim and disputed charges were marked as resolved despite completing a thorough investigation. The standard investigation process at Navy Federal Credit Union typically takes XXXX business days to several weeks, but this swift resolution seemed out of the ordinary. I brought this issue to Navy Federal 's attention, and they acknowledged the filing error, advising me to follow up via their app 's message center for a review. They assured me that I'm protected under the Zero Liability Policy, which should provide a provisional credit while the investigation is conducted. On XX/XX/XXXX, I sent a message through the app message center, attaching supporting documents such as the FTC Report, a letter from my attorney, and a statement from the merchant confirming the need for a credit. I received a response on XX/XX/XXXX, assuring me of a provisional credit of {$1500.00}. However, I never actually received this provisional credit. Concerned, I reached out again on XX/XX/XXXX through the message center, only to be informed that the case was closed because no error had been found. On the same day, I filed an appeal, attaching additional documentation. Unfortunately, there was no response beyond an auto-message on XX/XX/XXXX. Frustrated, I contacted Navy Federal Credit Union, where a representative advised me to use the message center once more. On XX/XX/XXXX, I received a message stating that the appeal was under review, but there was no subsequent response through the message center. Instead, I received an auto-response letter in the mail, reaffirming that no error had occurred. Yesterday, XX/XX/XXXX, I called in and was directed to a specific team to address the issue. The representative suggested that I call back on XX/XX/XXXX due to the time zone difference. Today, when I contacted the bank, the experience was deeply unpleasant. The representative laughed, refused to transfer me to anyone else, advised me to involve the police, and hung up on me multiple times. This occurred despite my calm communication about the severity of the matter. Moreover, a supervisor in a recorded call acknowledged the initial claim 's incorrect submission but claimed they couldn't rectify the situation. I'm extremely frustrated and disheartened by the way I've been treated. As a loyal member of this financial institution, I expected better protection and assistance, especially given the legal documentation I've provided. This situation has left me deeply disappointed. | ||||||
| 09/21/2022 | Yes |
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| XX/XX/XXXX between XXXX I deposited cash into the ATM machine @ XXXX XXXX XXXX XXXX ( Self-help Co-op ATM for Navy Federal Credit Union ) the machine malfunctioned keeping my card and {$1100.00} ( all XXXX bills ) without giving me a receipt. My account shows no record of the deposit. I called in and spoke with a rep ( XXXX XXXX who started a claim prior to me leaving the ATM location. XXXX issued a new debit card which I have received and stated that a provisional credit would be issued within 10 days. Claim ref # XXXX. On the morning of XX/XX/XXXX, I drove back to the XXXX XXXX at XXXX XXXX XXXX XXXX as suggested by another Navy Federal phone rep XXXX after discussing the matter on XX/XX/XXXX. XXXX XXXX also informed me that there was a new note on the account which stated that a provisional credit may be placed on the account between 20-45 days. At XXXX on XX/XX/XXXX upon opening of the bank I spoke with the security XXXX XXXX who remembered me being at the ATM and the branch manager XXXX XXXX who stated that the machine has not been functioning correctly for a while, other customers have had problems prior to the day of my incident, and last Friday XX/XX/XXXX & Monday XX/XX/XXXX someone was out to service the machine. According to XXXX XXXX XXXX XXXX rents that office space and does not own, manage or service the ATM machine. The bank manager stated that XXXX manages and services the ATM machine and Navy Federal should be reaching out to them to resolve this matter. Although no one has put an out-of-service sign on the machine XXXX XXXX states she does not recommend people use it until it has been properly repaired. I E-messaged Navy Federal to inform them of my conversation with the Bank Manager and uploaded a copy of the bank manager 's business card. Navy federal responded with an E-message that stated " Thank you for your follow-up, E-message. The provided information/documentation has been attached to your dispute claim for reference. If you have any other questions or need additional assistance, please do not hesitate to contact us. '' XX/XX/XXXX I called Navy federal to follow up on the claim and was told by XXXX that the claim had been closed stating the complaint was unfounded. I asked the rep to provide me with the information Navy federal received from the XXXX XXXX or XXXX to validate their decision but to no avail, the information was not made readily available to me. I asked if anyone reached out to XXXX since XXXX does not accept complaints from customers or pulled the video footage from the ATM. XXXX states she did not have that information. I also called XXXX who states the bank must contact them directly they can not work with me as a consumer to handle this matter. Therefore, currently, I am requesting the assistance of your office to settle this matter ASAP. I am a woman of integrity and a registered nurse who works hard for my money, and I'd like some assistance in resolving this matter please, and not to be made to feel like this did not happen to me. Thanks, XXXX XXXX | ||||||
| 07/30/2021 | Yes |
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| I took a forbearance with Navy Federal Credit Union Mortgage ( Navy Federal ) for about six months when I was offered the option during COVID. At the time, I completed all the necessary paperwork for the forbearance and was given instructions that I could not sell nor refinance my home without it being paid in full. It was my understanding that I would not be penalized for the forbearance and that it would be tacked on to the end of the loan. I was also told numerous times by a Navy Federal representative that I would not be penalized for the forbearance because my account had been in good standing and was always paid on time. Three months after the forbearance, I noticed when going to my account on-line that the total amount due included three months of the forbearance amount. The Navy Federal website indicated that I owed XXXX XXXX dollars and it was reported as such to the credit reporting agencies. When I contacted Navy Federal about this issue, it was corrected. I was told that it was a glitch in the system. I resumed my normal payment about four months ago and began paying on time with no problems. Suddenly, I went to make the XX/XX/2021 payment and the Navy Federal website had me owing XXXX XXXX dollars. The website stated that the total amount of the forbearance was due when I opted to have it applied to the end of the loan. In addition, my credit score went down by 30 points due to what had been reported by Navy Federal to XXXX. The reporting agency stated it was Navy Federal mortgage that had it reported it. It appeared when looking at the credit agency report that I had taken out some type of additional loan for the forbearance amount like refinancing. It was untrue from Navy Federal that I would not be penalized for the forbearance. I was punished for taking the forbearance with my credit score being lowered. In addition, when I contacted Navy Federal on XX/XX/2021 about this issue, I was told that I signed a partial claim. Please note that I was passed from person to person and on the telephone and spent more than an hour trying to resolve my concern. It should also be noted that I had no understanding of what a partial claim meant and believed that I needed to be signed the document to have the forbearance amount added to the end of the loan. The forbearance process by Navy Federal was misleading and I certainly had no idea that my credit score would be impacted by lowering it 30 points. Finally, I spoke with Mr. XXXX XXXX of Navy Federal, and he explained what transpired. Yes, COVID had an impact on everything including me and I was very disappointed in how Navy Federal reported my mortgage to the credit bureaus. Navy Federal blamed it on XXXX, but the credit bureau stated they reported it. Navy Federal misrepresented to me what would transpire with the forbearance at the onset. If I had known that I would have been impacted with a lower credit score of 30 points, then I would have tried to get an extra job during COVID to pay the mortgage. So, I feel misled by Navy Federal. | ||||||
| 09/30/2023 | Yes |
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| I gave Notice of Subrogation, over the phone the other day to XXXX XXXX at NAVY FEDERAL. I love you all! Unjust enrichment is not fair nor equitable. Subrogation is a form of equity and subrogation is right, subrogation not an opportunity. Equity is recognize by the U.S. Constitution article 3 subsection 2 paragraph 1. I certify my right to subrogation and substitution. Being that I am the subrogee and the implied surety, I was not primarily liable for the debt but tendered all consideration but not a volunteer and performed under legal compulsion to discharge a debt by subrogee. I the subrogee is now entitled to benefit from all collateral which the creditor held as security ; and since I am secondarily liable, I am entitled to be subrogated to the rights of the creditor against the person primarily liable. Internal Revenue Service will be notified if the matter is not settled. This is unjust enrichment, and usurpation. A writ of quo warranto lies against you to prevent malversation and peculation. So, whenever a surety, or other person secondarily liable, discharges a debt, he is entitled to the benefit of all collaterals or liens which the creditor held as security, and the person secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. Equity regards the payment by the surety, or other person secondarily liable, as equivalent to a purchase of the creditor 's rights, equities and collaterals as against the debtor primarily liable, ( Surety ) pays a debt, or discharges an encumbrance or lien, being under legal compulsion so to do, he will in Equity be substituted to all of the creditor 's rights against the person primarily liable. Where a surety discharges the debt or obligation of his principal Where any person, for his own protection, or the protection of some interest he represents, pays a debt for which another is primarily liable. Definitions from business guides dictionary of banking terms. Collateral means Asset pledged as security to ensure payment or performance of an obligation. In bank lending, it is generally something of value owned by the borrower. If the borrower defaults, the asset pledged may be taken and sold by the lender to fulfill completion of the original contract. Paper negotiable instruments and title documents. Security. Personal asset or property that can be pledged as collateral ; a good faith GUARANTY by a co-maker to pay an obligation if the borrower defaults. ( account was settled ) Equity. Value of stockholders ownership interest in a corporation after all claims have been paid, and thus a claim in its assets in proportion to the number, and class, of shares owned. Substitution. Replacement of one creditor by another, also known as subrogation. Subrogation. Substitution of one creditor for another in settlement of a claim or obligation, or transfer of ownership, as when a mortgage is sold in the secondary market. I love you all! The two accounts numbers are xxxx xxxx xxxx XXXX xxxx xxxx xxxx XXXX | ||||||
| 03/21/2021 | Yes |
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Web | Servicemember |
| As a victim of identity theft I was diligent and reporting and acting immediately upon discovering that my information have been compromised due to the employment security department.I was contacted both by email and phone in regards to this event and after enrolling in do credit monitoring and repairing service provided to me for the next year bye the employment security department do to this breach and the knowledge of my information being used fraudulently, I was able to find the extent of which my identity had been used and the damage that had been done. I have made sure to follow all guidelines and regulations in place on my end as a victim of identity theft. When I called my Navy Federal credit Union account services to report that I was a victim of identity theft and that my accounts had been compromised, the only thing they went above and beyond in, was making XXXX understood they were not going to help me and there was nothing I could do to fight it. I am currently waiting for XXXX XXXX XXXX and and admitted to the hospital for long periods of time every so often over the last year or so. Due to these absences it was easy for me to overlook the effect of my identity theft and until I actively investigated this I was unaware of how bad it was. I submitted documentation to Navy Federal showing that it would have been physically impossible for me to have been the person completing these transactions via ATM and debit transactions in store. I also submitted documentation showing them that I was a victim of identity theft and that my other accounts have been compromised and resolved due to that. Navy Federal was actually one of my largest concerns because I lost every XXXX I had to survive once I got out of the hospital. To this day I haven't received any compensation and have stuff for the consequences. I have been told that I am responsible for the actions of whoever fraudulently use my account. I am liable for the loss of all my money. they also have put my account on a secure access and made it impossible for me to use this account and now I'm unable to obtain another bank account to receive funds. I'm not sure why they have made it so difficult or why they are being so hard on me when I have done nothing but provide them rock hard evidence and proof that is literally undeniable. If any outside person was to look at this case and the supporting documents they would probably be dumbfounded that Navy Federal was acting as they were. I really need help gaining access to my funds immediately because as I said this account although only one of the many accounts that was compromised or created using my identity, it was the only account I had that had my entire savings and all funding went to this account. Now I am not only without a XXXX to live on but not capable of receiving funds because of account limitations put on me to punish me as well? I need help at least getting my money back if anything but would appreciate this lock put on me to be removed as this was no fault of my own. | ||||||
| 01/02/2022 | Yes |
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Web | Servicemember |
| PLEASE the attached STATEMENT OF FORGERY WHICH LISTS IN DETAIL THE PREVIOUS FRAUDULENT ACTIVITY REPORTED ON MULTIPLE ACCOUNTS THAT I HOLD WITH NAVY FEDERAL. main amount of money was an internal member to member transfer from my account into another members account who i have never even heard of & do not know. i was told by the XXXX rep that this man 's name was added to my account 3 transfers were made on the same day in the amounts of 1. {$5000.00} 2. {$150.00} 3. {$550.00} a TOTALING XXXX and then was immediately deleting from being attached to my account.!! I HAVE ATTACHED THE COMPLAINT FILED WITH THE FEDERAL TRADE COMMISSION AND WILL BE CONTACTING VISA AS WELL. I WILL CONTINUE TO PURSUE ALL AVENUES AVAILABLE TO ME IN ORDER THAT ALL MONEY ILLEGALLY TAKEN FROM MY ACCOUNT EITHER BY THIEVES OR IN ERR BY THE BANK ( NAVY FEDERAL ) THAT I ENTRUSTED TO SAFEGAURDMY MONEY. IN XXXX OF XXXX, I HAD {$56000.00} IN MY XXXX CHECKING/SAVINGS ACCOUNT AS WELL AS {$3000.00} IN A SECURED NAVY FEDERAL CREDIT CARD IN ORDER THAT I ACHIEVE THE XXXX SCORE NEEDED TO QUALIFY FOR A FIRST TIME HOME BUYERS LOAN. ( I WAS TOLD XXXX, I HAD A XXXX ) AND I WAS LOOKING FORWARD TO WORKING WITH A NAVYFEDERAL MORTGAGE ADVISOR AND HOPING TO BE IN A NEW HOME BY THE BEGINNING OF XXXX. ALTHOUGH I WAS STEADFAST IN THE HANDLING AND REPORTING OF ALL IDENTITY THEFT/FRAUD SCAMS AND FOLLOWED ALL ACCOUNT REQUIREMENTS IN ORDER THAT MY FINANCIAL SITUATION REMAINED IN GOOD STANDING. XXXX OPTED TO SUSPEND MY DEBIT CARD PRIVILEDGES AND REVERSE ALL PROVISIONAL CREDITS PREVIOUSLY PLACED IN MY ACCOUNTS SAYING I WAS IN " VIOLATION OF THE DEBIT CARD AGREEMENT '' BUT NEVER SPECIFYINGHOW OR WHY THIS CONCLUSION HAD BEEN REACHED. THEN BEGAN RACKING IN {$29.00} RETURNED ITEM FEES EVEN THOUGH THE ITEMS WERE NOT PAID AND I HAD OPTED OUT OFI WAS LEFT UNABLE TO PAY MY BILLS AND FINANCIALLY BANKRUPT ( NO JOKE ). I HAVE SINCE FOUND ACCORDING TO THE FAIR CREDIT BILLING ACT, I AM LIABLE FOR NO MORE THAT {$50.00} IF CARD NO LONGER IN MY POSSESSION AND {$0.00} IF STILL IN MY POSSESSION. I AM THE VICTIM OF A HACKING SCAM THAT HAS LEFT ME NEARLY DESTITUTE ... no matter how hard i have tried to keep my head above the water, i am fighting obstacles every step of the way. I DEMAND TO BE MADE WHOLE AGAIN IMMEDIATELY! THIS IS NOT OF MY DOING AND I WANT EVERY BIT OF MY HARD EARNED MONEY BACK!! ATTACHED:1. STATEMENT OF FORGERY2. 1ST REPORT OF FRAUD TO FTC.GOV 3. 2ND COMPLAINT TO FTC.GOV4. BANK STATEMENT SHOWING TRANSFER TO XXXX XXXX? ( I NEED THIS BACK IMMEDIATELY ) THIS SHOULD BE A VERY STRAIGHTFORWARD AND SIMPLE ITEM TO FIX!! IT WAS ORIGINALLY REPORTED ON XX/XX/XXXX. I WANT THE PROPER REPARATIONS MADE AND NO FURTHER DISRUPTIONS TO MY LIFE AND OR VERY VALUABLE TIME!! ORIGINAL FRAUD REPORTED AT END OF XXXX! I SHOULD NOT HAVE TO FIGHT THIS LONG AND HARD FOR MY OWN MONEY!!!!! 5. EMAIL PERTAINING TO XXXXCHARGE OF {$230.00}. I HAVE BEEN WAITING ON THEIR CREDIT SINCE XX/XX/XXXX & I PREFER THAT NF FIX IT NOW AND COLLECT FROM THEM. THIS SHOULD BE SUFFICIENT EVIDENCE. | ||||||
| 01/04/2019 | Yes |
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Web | Servicemember |
| My home was completely devastated during hurricane Florence leaving the house uninhabitable with no roof, no walls, no floors, no electricity. The insurance company has authorized a limited amount of time where they will pay temporary housing and that goes month to month and could end at any time. It has been almost four months since the storm and little progress has been made on the house mostly due to slow insurance settlements, however, now that the insurance company has began issuing checks, Navy Federal Credit Union is not releasing the funds in a timely manner. The checks issued by XXXX XXXX XXXX XXXX are written to my wife and I, and the mortgage company, Navy Federal. My claims specialist at Navy Federal is XXXX XXXX and the incident number is XXXX. Her phone number is XXXX XXXX option 1. On XX/XX/XXXX I sent XXXX XXXX a receipt where I paid XXXX dollars in cash to a tree company to remove a tree that was through the roof of my house and wrapped up in a powerline. The insurance company approved this amount and verified that the receipt I provided was enough for them to release payment to reimburse me for my out of pocket expense. XXXX asked me for more proof that this money was spent such as a withdrawal from a bank which I did not have as this was cash my wife and I had saved for a rainy day, such as a tree crashing through our roof during a hurricane. The roof has been repaired as verified by insurance inspectors and county inspectors, which would not be possible if the tree that I paid to remove was still through the roof. XXXX XXXX has offered no further guidance and will not even respond to emails I have sent asking about reimbursement. On XX/XX/XXXX I sent a cashed check receipt from my bank for labor I paid the contractor working on my house in the mount of XXXX dollars. Again, XXXX XXXX has not issued payment to reimburse me and is not responding to my emails asking about repayment. I have called the number provided and been told on multiple occasions that " she's not on the phone today '' presumably meaning that she is working but not accepting phone calls. No one else that answers is able to help me. There seems to be no recourse of action and no one to talk to. I have received no explanation as to why or when I will get my insurance money that I have provided receipts for. This is now XXXX dollars that was sent to me by my insurance company that Navy Federal has just kept. We lost almost all of our belongings in the hurricane, spending a couple weeks homeless. The expense has been tremendous. I do not have money or faith in Navy Federal to repay me any longer and there is no one being held accountable in their insurance claims department. The insurance company can stop paying our housing allowance at any time, putting us back on the street. We have made all of our mortgage payments to Navy Federal for a house that we can not use and a house that they are getting money from insurance for but is still uninhabitable largely due to their inability to repay us. | ||||||
| 07/26/2023 | Yes |
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| According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U. S. Code subsection 1681 s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.Code subsection 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR subsection 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' | ||||||
| 03/31/2022 | Yes |
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Web | Servicemember |
| Continued noncompliance and suspicious activity from Navy Federal Credit Union Mortgage Department. Please reference CFPB complaints XXXX and XXXX. After receiving the continuous emails from NFCU concerning a revised disclosure after my last complaint, I noticed a change in the loan officer assigned to my account. Not understanding, I reached out, and ask this person who they were and why are they now on my account. The response I received was that she was here to help with the complaints. That did not occur and its not occurring at all. Although she is very nice, her goal of trying to get me to use Navy Federal as my lender, in my belief to put suspicion on these complaints ( e.g. if I use them as a lender then how could they have done the things that Im accusing them of doing ), had nothing to do with resolving the complaints themselves. In fact, I was provided new and INCORRECT documentation in the form of loan estimates where a rate lock was applied because she had mentioned that it was something she could take care of. New documents were sent and they attempted to charge me for a lock but neglected to mark the correct boxes stating so. Also points were applied but no discount or viable explanation was given as to why I would be paying a higher rate, for a lock, that is not indicated on the loan estimate sheet. When I brought this to her attention, she eventually provided a loan estimate sheet that appears to be filled out properly, however it continues to support my belief of nefarious practices within NFCU. IF these are your best people and these are the people you have assigned to try to rectify any of the issues we have, then why are you still trying to price gouge me by applying a rate much higher than what I was quoted before, stating that because I did not lock at the time that any interest rate that increased is my responsibility to pay but neglect to note the reasons why such as your inability to explain what these rates are in a level where I can understand, and the bigger issue of your discriminatory practices! Then NFCU still presents their negligence and unwillingness to properly resolve any issues in the form of sending improperly filled out paperwork. NFCU should be required to explain why they are STILL sending improperly filled out documentation where for obvious reasons they are attempting to charge me for points and rate locks that they cant seem to figure out on their own in-house sheets. We can pretend, and keep calling these mistakes, but at what point are we going to call it what it is? Especially when Im being told these are your people to help resolve the issue so I must assume that they are the best people you can find to contact me. In their thinly veiled attempt to silence my complaints, Navy Federal is STILL trying to charge extra money one way or the other. Their actions continue to support my original complaint that there is something nefarious going on within their mortgage department and they have no desire or possibly ability to correct. | ||||||
| 01/31/2022 | Yes |
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| NAVY FEDERAL has gone into my checking and savings account twice without my consent or authorization to perform an electronic transfer of my funds to a credit card account. These unauthorized transfers of my funds were executed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. NAVY FEDERAL needs to credit my checking and savings account {$650.00}. I did not authorize any of these transactions nor does NAVY FEDERAL have any right to the funds in my savings nor my checking account. The credit card account that funds were improperly moved to has been in a do not collect status since XXXX of XXXX per NOTICE : Your account is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. In totality NAVY FEDERAL needs to credit my savings and checking for {$1900.00} pursuant to XXXX XXXX XXXX due to the deceit, lack of disclosures and misrepresentation by NAVY FEDERAL that caused me to improperly apply federal reserve notes via an electronic fund transfer using my personal debit information. NAVY FEDERAL has failed to validate this debt and continues to send statements that I have reason to believe are interest dividends or credit issued to me in form of coupons or bonds. I have indorsed these negotiable instruments, also known as remittance coupons, and NAVY FEDERAL has failed to properly credit my account monthly or monthly send a check payable to XXXX XXXX XXXX XXXX for the remaining credit balance of the account that is a surplus of {$1.00} to my place of abode pursuant to 15 USC 1666d. Because of all these experiences with NAVY FEDERAL, I will be invoking my rights as a federally protected consumer. As a federally protected consumer, pursuant to 12 CFR 1026.13 ( a ) ( 6 ) I am requiring to see documentary evidence that validates this alleged debt that they documented that they are not collecting but their actions show otherwise as funds have been transferred without my consent or authorization. In accordance with documentary evidence ( 15 USC 44 ), I need to see the book of accounts as described in IRS Publication 583 to explain and address such subject matter in said monthly billing statements. In order to verify such amounts, I need to see the bookkeeping audit trail to include journal and credits of account as well as the ledger and debits of account from both the PUBLIC and PRIVATE side from the past, present and future to verify the current accounting, verify taxes associated with this account, clarify who funded the account, and how much is allegedly owed. I have reason to believe that there having been billing errors on past, present, and future statements as a result of misapplied credit pursuant to 12 CFR 1026.13 ( a ) ( 4 ) and computational or accounting error pursuant to 12 CFR 1026.13 ( a ) ( 5 ). The evidence of my belief is the false character amount on all statements reflecting a positive balance because if this alleged debt was truly owed then it would be a negative balance or this would be a computational error. | ||||||
| 10/30/2023 | Yes |
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Web | Servicemember |
| On Septemeber XXXX, XXXX I purchased an oil change, an a Tune-up from XXXX on XXXX XXXX XXXX in XXXX Tx XXXX When drivin my vechile I noticed not only was the light i went in for was still on the next day XXXX. But it was always still doin and acting the Same way I took it to them. I immediately called XXXX to report my concern. I was told to take to SOMEBODY else s XXXX. So I called Navy Federal to have my funds of {$770.00} returned back to me cause I paid with No problem, when in Fact XXXX DIdnt Even Preform the Service AT All. After I was temopary refunded my {$770.00} thru Navy Federal, I then called a Mobile Mechanic called XXXX XXXX. They cameout to my home on XXXX. I hired them to actually see if I had gotten what I gladly paid at XXXX to get the tuneup, I allowed the mechanic to preform A diagnostic on my XXXX XXXX XXXX, to confirm or NOt whether I got a tune-up from XXXX. I also Didnt mention I took it to anyone previously, so I could get a honest answer. The mechanic completed the diagnostic, An the tune-up was listed on the diadnostic report, which indicates XXXX didnt DO the job or service I paid for on XXXX. Ofcoarse now with Navy Federal reviewed the dispute of the {$770.00}. And went in favor for XXXX, Navy federal emailed me stating the claim is Resolved they said, we have investigated your debit card claim {$770.00} against XXXX XXXXXXXX XXXX We found that no error occurred and Navy federal was unable to process in my favor. Now Navy Federal is trying to retain my XXXX direct desposit for the ammont of {$770.00}. Which now my checkin account is negative- {$750.00} which has cause many financal problems for my house, it also means when my XXXX money desposit on the Directly on XXXX Navy Federal will Take! I VERY distraught about this matter. For one I have no problem paying for anything, Second I not PLEASED to be connect with a Financal Company that allows people to be COMPLETLY ROBBED of All thier fianances for the Month to pay XXXX, When clearly They didnt preform my Service that I went in for on XXXX which was the Tune-up. I also Had to Take to another mechanic to get a tune-up preformed. When commuincating abot this matter OR any matter concerning my Financal REquest it sees That NAVY federal, it belligerent, NOT helpful, AN they CREAt financal issue in my account an when you try communicating Navy federal will hang up, refuse to give you info About my Accounts an money. This very disturbing an stressfulto me an my family. Ive sent reciepts after receipt An it seems to me Navy federal is Not actually taking the time to REVIEW my documents I sent or THey are just AND UNJUSTICE FINANCAL COMPANY. PLEASE HELP. I also when see on my account that I was negativ ein my account I went up to NAVY federal to speak in person about matter XXXX An also to resubmitt documents to support my claim but with a Navy Federal employee. The Manger name was XXXX XXXX she sat down with me to submitt 1 NEW reciept to the Dispute department that they say is not there at location. | ||||||
| 04/24/2023 | Yes |
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Web | Servicemember |
| I've had a Navy Federal checking & Savings Account and have been a member since XXXX over the years, I've obtained several items of credit, a vehicle ( paid off at maturity ), personal loan ( paid off in full at maturity ). In XXXX I was approved for two credit cards and a personal line of credit. About a year later I was unable to work due to a medical emergency ; therefore, the majority of my bills became past due including my credit accounts with navy federal ; I originally started payment plans until I was no longer able to pay. During this time, my checking account and savings accounts were still in active status and to my understanding in " good standing '' and remained open with the required savings minimum of {$5.00} and sporadic deposits into the checking account. In XXXX, I began receiving settlement offers for the outstanding credit card debt that had accrued. I was advised that Navy federal had either charged off or written off the debt per my credit reporting status ; therefore, I was unsure of paying the debt through the third party XXXX XXXX. I contacted Navy federal directly in their loan/credit recovery department to confirm the validity of the settlement that was being offered and the representative verified the amounts of the settlement. In XXXX I paid the settlement balances that were agreed upon. My savings and checking accounts remained open and active with no issues. In XXXX XXXX I had a checking balance of about {$15.00} and deposited a retirement check of about {$500.00}. several months later, I voluntarily closed my checking account. At the time of closing, my account was in a satisfactory state and I received a full refund of all monies that were in my account at the time of closing which indicated " good standing ''. In XXXX XXXX I received a 1099-c from Navy federal showing the portion of my balance that was not paid in the settlement was to be counted as income, further indicating that the balance has been forgiven. In XXXX XXXX I attempted to reopen my account using my current membership and was advised that I was not eligible to become a member or open an account due to an outstanding balance. When I explained the above information to a representative, I was told that this is policy.. When reading Navy federal disclosures regarding a checking account/membership, it implies that as long as the account was not closed by Navy federal XXXX it could be reopened. My debts were credit related and were paid in settlement. I don't understand why I am being " punished '' twice and why there's still attempts to collect the remaining balance when I'm now required to claim it as income as a forgiven debt. XXXX was beyond my control and I genuinely did my due diligence and paid the settlement as agreed and had only hoped I would be allowed another opportunity with Navy federal to show my credit worthiness and rebuild my banking relationship. I just want understanding in why i am being denied an opportunity to re-open my voluntarily closed checking account. | ||||||
| 10/21/2019 | Yes |
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| I called Navy Federal on XX/XX/2019 at XXXX XXXX to report an unauthorized charge on my debit card ( Incident # XXXX ). The representative that took my call informed me at the end of the call to be on the lookout for an email from the Credit Union and to be certain to respond to the email. I did receive the aforementioned email on XX/XX/2019 requesting any supporting documents and/or information and stating that I submit the information by XX/XX/2019. I sent several items along with my response on XX/XX/2019 at XXXX. In the email was this paragraph, If you have any questions regarding this matter or to submit the requested documentation, you may reply to this email or call us toll free anytime at XXXX. If you prefer, you may send us a secure message online at navyfederal.orgvia our Online Banking service or write to Navy Federal Credit Union, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. You may also reach us by fax at XXXX. Sincerely, Debit Card Dispute Resolution So, I replied to the email at XXXX XXXX. However, your staff keep accusing me of not responding to the email which is not true. I called on XX/XX/2019 after noticing that the temporary credit was reversed. I did not receive any communication from Navy Federal regarding this decision. I called and finally spoke with XXXX who identified himself as a supervisor in the Frauds Department. He took the time to research my account and determined that I had sent the email and requested information and put the credit back in place. He also noticed that the reversal was done prior to your close of business. Again, I received no communication from Navy Federal Credit Union but this credit was also reversed. I called again on XX/XX/2019 and told rather than asked that I had not responded to the emails sent to me. This is not true I originally responded on XX/XX/XXXX, I called on XX/XX/XXXX, and again on XX/XX/XXXX. No one from the credit union has once asked me for a copy of the email and attachments I sent prior to XX/XX/2019. The assumption is that I the member with a lower balance account is lying. I believe your staff believe that if they continue to ignore me, continue to be rude to me when I call, that I will go away and that is not an option! Certain members of your staff have been downright rude, nasty and very antagonistic. No one has attempted to resolve my issue. I have done everything that has been requested of me. With the email being ambiguous at the least I should have been given the benefit of the doubt and asked to send the information again. Not have an ambiguous email and penalize me for what you are sending out. For the record I do believe that if I were of a different persuasion with a larger balance in my account I would not be in this position. I am seeking a full refund of the unauthorized charge, along with the {$40.00} Oops credit line fees credited back to my account. An apology should also be given and perhaps record all calls to your organization. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 03/31/2020 | Yes |
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| Navy Federal Credit Union is participating in illegal collecting and reporting practices by improperly adding 3 incorrect late payments for XXXX ( XXXX, XXXX, and XXXX ) to auto loan XXXX. I am now working towards paying off my 3rd vehicle loan with Navy Federal with perfect payment history prior to this occurrence. In XX/XX/XXXX, one late payment was reported to the 3 credit bureaus for XX/XX/XXXX. This ensued my immediate contact with Navy Federal Credit Union loan servicing department. My first conversation about this matter in XX/XX/XXXX, I spoke with the Senior Manager of the department. This conversation was recorded on my personal device with the knowledge of both myself and the Navy Federal representative. During this conversation, we discussed the late payment that was now reporting for XX/XX/XXXX, as well as the second of the two deferments done on the account within a 7 month period. She assured me, the account had not been 30 days delinquent during either deferment period nor prior to them going into affect. Incidentally, she is the sole individual that approved both deferments on my loan. With that assurance, I was confident the late payment would be removed. However, for record keeping purposes, I requested that in writing. I was then informed that she could not individually draft any letters for consumers. I then asked what could I do to fix the reported late payment. I was instructed to complete the dispute process with Navy Federal or with each individual credit bureau. At which point, I initiated the dispute process with XXXX, through my XXXX membership. Within 10 days, the dispute was complete in opposition to the credit report. Navy Federal responded that the late payment for XX/XX/XXXX was accurate and added 2 additional late payments for XX/XX/XXXX and XX/XX/XXXX. All of these dates reported are dates within the deferments that took place almost consecutively with one month between them. After receiving such response from the dispute, I decided to make another attempt at resolving this with Navy Federal. I emailed the CEO, XXXX XXXX, three separate times with no response or effectiveness. Lastly, I called Navy Federal again, on a personal recorded line, to discuss the additional reported late payments. I questioned why two additional late payments were added after disputing one late payment, why all of them remain, and why are they reporting inaccurately. During this call, there were no attempts to rectify the errors, nor were there any suggested solutions. Prior to these reported late payments, I was in the lending process with XXXX ( XXXX XXXX XXXX XXXX ) to purchase my first home for my XXXX young children and myself. This has adversely affected my credit score. Due to the detrimental affects of these negative remarks, I am no longer moving forward in the lending process with XXXX. Navy Federal Credit Union is participating in illegal reporting practices. I have contacted them repeatedly to try and resolve this matter without a resolution. | ||||||
| 01/23/2023 | Yes |
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Web | Servicemember |
| Dear CFPB & FCRA, I am submitting an complaint in regards to my previous complaint # XXXX with Navy Federal Credit Union XXXX XXXX Mortgage Solutions as it relates to complying and resolving my problem with applying for a Conventional Home Mortgage, the issues still remain. Navy Federal has assigned me to several loan and resolution officers forcing me to have serval different conversations of instructions, XXXX XXXXXXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX after I clear presented in several written statements my disadvantages and need to use and apply my reasonable accommodations moving forward with my loan process, since the last submitted complaint I have been sent emails from different people as well as direct back to loan officer XXXX XXXX XXXX # XXXX for any issues regarding my loan. I am being giving different instructions by each and have become overwhelmed with XXXX as I am a XXXX patient and have been XXXX so to the high amount of XXXX & stress with the purchasing of a home as a first time home buyer. Navy Federal Credit Union has brought great confusion to me triggering my XXXX XXXX XXXX XXXX XXXX They have also not processed other resolution requests to dispute the negative personal and inaccurate information reporting on my credit due to their lack of evidence and investigation to help resolve these issues, not to mention when I started this home buying process back in XXXX of 2022 my credit scores were excellent and have been sabotaged & deceptive throughout this whole process. According to the Fair Housing Act, Equal Credit Opportunity Act, and the CFPB and FCRA consumer protection it is illegal to discriminate against anyone seeking to obtain a mortgage, home equity, loan to build, repair, or improve a home based on, because of race or XXXX, religion, national origin, XXXX, marital status, age, XXXX XXXX XXXXXXXX ) and received income from any public assistance program and familial status. It is also against the law to discriminate and deny the rights of individuals with disadvantages under the XXXX XXXX XXXX the right to use any reasonable accommodations in m aiding them with work, school and any explanation orientation regarding discussion of patient information to reinforce any important topics. Because of the blind communication between several loan officers and Navy Federal agents, therefore I am demanding a resolution to work with a well experienced agent that is knowledgeable about the home buying process for first time home buyers for the duration of this loan at the Navy Federal Credit Union Branch in my local area at XXXX XXXX, Unit XXXX, The XXXX, Tx XXXX one on one particularly a woman who I can visually identify with and can walk with me in person step by step with consistency with great clear communication skills. The do not trust this previous agents as they have misguided me and disregarded my having disadvantages position and need. Please submit this request to resolve this resolution immediately. Respectfully submitted. | ||||||
| 12/10/2020 | Yes |
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Web | Servicemember |
| Hello, I have had extreme trouble with Navy Federal Credit Union in regards to a ATM fraud dispute. During the month of XXXX I was the victim of fraud, {$400.00} was withdrawn from a ATM using my debit card and personalized 4 digit pin, And {$400.00} was used via XXXX XXXX. As soon as I noticed I contacted Navy Federal immediately in regards to the fraud to make a claim. The first claim made was never processed it wasnt until I drove 1 hour away from my home to get a new debit card where I was notified the claim wasnt processed. I then proceeded to make a new claim at the branch. After driving an hour back home I was then notified my claim wasnt finished being processed ; I then had to finalize my claim for the third time.After all the trouble I went through to even actually file a proper claim. My claim was denied within a day, Never did a investigator nor the fraud department contact me about my claim. I then contacted Navy Federal in regards to there decision.They based there decision on the fact that My pin was used and that my card was somehow back in my possession after being stolen. I ensured them I have no idea who took my card, how this withdrawal or XXXX charge was processed.I consistently begged and pleaded with Navy Federal to properly investigate this claim ; They never properly investigated. Every time I called I received someone rudely from the fraud department telling me how odd my situation sounds and how no one would know their pin to use their card at an atm. I became a suspect in my own fraud claim.In the middle of a pandemic {$800.00} was taken from me and Navy Federal Credit Union failed to hold their agreement on their Zero Liability Policy. No matter what day or time I call I always receive someone rudely from there fraud department with no intentions on helping me in a situation I have no control over.I have even filed a police report with XXXX Pd something the fraud department ensured would overturn my denial and help me receive my credit.Instead Navy federal replied with a series of questioned to be submitted after I have already notified them of all the answers.Today I called the fraud department an another rude representative told me months after my claim that they will not gIve me any credit or help until I help find and prosecute the person who stole from me.I am not a officer of the law and I have done everything that can possibly be done. She ensured me even with an appeal I will most likely never receive a credit, I was blamed for the fraud done on my account.I have given extremely great recommendations and have had afairly good experience with navy federal until this. It upsets me to have to file a complaint but the measures the fraud department has asked me to do is extreme .In the middle of an pandemic I can not afford to lose money nor waste time finding and prosecuting someone.I trusted Navy Federal with my hard earned money and they failed me and labeled me a suspect after I spoke so highly of there company.It truly saddens me. | ||||||
| 08/01/2017 | Yes |
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| Please see the attached letters to Navy Federal Credit Union, XXXX and XXXX. Here are the facts : 1 ) Navy Federal Credit Union initiated foreclosure proceedings on my principal residence in XX/XX/XXXX. 2 ) In XX/XX/XXXX, I filed Chapter XXXX bankruptcy 3 ) In XX/XX/XXXX, my Chapter XXXX bankruptcy was discharged along with the debts that were included in this bankruptcy, including the mortgage on my principal residence. 4 ) Between XX/XX/XXXX and XX/XX/XXXX, I negotiated a loan modification to my mortgage loan and began making payments in XX/XX/XXXX. 5 ) I have made monthly payments on this mortgage loan every month since XX/XX/XXXX, have never been late nor missed a payment. 6 ) I applied for a automobile loan at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and a secured XXXX credit card ( {$1000.00} deposited for a {$1000.00} credit limit ) at Navy Federal Credit Union on the same day ; the first was because I need to purchase a used vehicle and the second is because I need to re-build my credit. 7 ) The automobile loan was denied due to lack of credit history. The secured XXXX card was denied because of a past loss ( because of the Chapter XXXX bankruptcy ), despite the fact this account would be fully secured with no loss potential for Navy Federal Credit Union. 8 ) Upon # 7, I pulled all 3 of my credit reports ( XXXX, XXXX and XXXX ). I was shocked to see that Navy Federal Credit Union was not reporting my positive payment history on my mortgage loan for the past 4 years on XXXX and XXXX. XXXX does show my payment history accurately. When I contacted XXXX, they told me I had to get Navy Federal Credit Union to remove the " Included in Bankruptcy '' designation and then they could report the positive credit history. On both XXXX and XXXX, they are both showing my mortgage account CLOSED, when in fact it 's not. I have filed complaints with both of these agencies. 9 ) I also spoke with Navy Federal Credit Union. They claimed that since my mortgage debt ( but not the lien ) was discharged in bankruptcy, they are prohibited under Federal Bankruptcy law from reporting any credit history for debts that have been discharged in bankruptcy. Federal bankruptcy law has nothing to do with credit reporting. The Fair Credit Reporting Act does. My point is, why ca n't my POSITIVE payment history on my modified loan be reported and published by the credit reporting agencies?? XXXX is reporting this information correctly. That is the only way I 'm going to be able to obtain credit in the future. 10 ) Finally, I spoke to Navy Federal Credit Union again this morning about potentially re-financing my loan which is currently in modification but will be due to re-set in XXXX XXXX. They told me it would be VERY likely denied because of a " past loss '' no matter my payment history since the loan was modified, no matter my income, and no matter the amount of equity I have in my home ( which is currently approximately {$180000.00} ). This is simply punitive and really should be outlawed. | ||||||
| 01/18/2017 | Yes |
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| Last year 2016, I applied for an saving/checking account with the Navy Federal Credit Union ( NFCU ) online. I called to check the status of my application, which I was told that my application was denied. It was denied, because I need to email over proof of identity ( like bank statement, driver license, social security card, and etc ). I was told to email the documentation to email address XXXXXXXXXXXX and XXXXXXXXXXXX. Once I emailed the information over, I was told by the rep that I was denied because there was an warning on my credit report through XXXX XXXX XXXX ( XXXX ) with XXXX XXXX XXXX ( XXXX ). I disputed the information on the XXXX XXXX XXXX report and had the item removed, because they could not verify it. I received a letter in the mail from XXXX ( XXXX XXXX XXXX ) stated that the information will be deleted from my credit report. So, after that happened, I waited about a week before I applied again for an account with NFCU ( Navy Federal Credit Union ). I applied on XXXX XXXX for an saving/checking account and re-email the documentation to the emails listed in this complaint. On XXXX XXXX, I called and spoke with a rep to check on the status of my application. The rep stated that my membership application was denied because I did not hypen my last name. Also, the rep stated that I had to do another application with the hypen last name. So, I did another application on the XXXX XXXX online with the hypen last name. Check on the status of my application again with NFCU and was told to take my documentation again to the NFCU branch office. So today I took my documentation to the XXXX, Georgia NFCU branch office, so that I would be able to open up the account. I was told by the female rep in the branch office that my account was denied again. I explain to her that I signed up for the XXXX XXXX to join the NFCU, which I paid {$25.00} to join so that I would be able to get an account with NFCU. The rep stated to me yes if I join the XXXX XXXX the application has to be done online ( which I did ) and now she is telling me that she have to do another application and I have to wait until 3-5 business days before I will get an response. She also stated that once I get an response then I will have to go back to the branch to bring documentation of my identification. This getting ridiculous and we are faxing or emailing our information over with our social security number and other personal information over and they are not looking at the information to give feedback to new members or customers that wants to become a member. I 'm very disappointed in NFCU, because I hear good things about their Navy Federal Credit Union. The only thing that I 'm trying to do is opening an saving and checking account. I just do n't understand why customers can not received an email stating that they application has been denied. I had to call about 6 times to try to get this situation solved and still is not solved. There should be a better way of NFCU to treat their customers. | ||||||
| 06/29/2023 | Yes |
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| " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to Privacy. '' " According to the Fair Credit Reporting Act 15 USC 1681 section 602. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non public personal information. '' ( Furnishers of information to credit agencies ) is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following cirumstances and no other : in accordance with the written instructions of the consumer ( which is me ) to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written implied or otherwise is revoked. 15 USC 6802 ( b ) ( C ) states that 'A financial institution may not disclose non public personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any otaher adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed in under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Aslo 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out your reporting services. '' | ||||||
| 11/30/2022 | Yes |
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Web | Servicemember |
| I am writing to request an investigation into, and routing action undertaken for a balance transfer check in my name sent to XXXX XXXX payments department. On XXXX XXXX, XXXX, I initiated a balance transfer offer through my XXXX XXXX XXXX account. My goal was to transfer owed debt in the amount of {$3900.00} from my Navy Federal Credit Union XXXX XXXX XXXX XXXX credit card, onto my XXXX XXXX. However, though I listed my name and account number correctly, I mistakenly listed the payment address as [ XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ] which I later learned should have been [ Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. I only realized this discrepancy after the new debt of {$3900.00} posted onto my XXXX XXXX statement on XXXX XXXX, XXXX, but I had not received the same amount to pay down my NFCU XXXX XXXX card. I called XXXX to correct the error, but was informed by their customer service that the check had already been processed and cashed. XXXX has sent me a copy of the physically mailed check ( enclosed ) as their proof a balance transfer payment check was sent out in my name. As the address was wrong, the check should have been returned to XXXX. XXXX XXXX cashing this check should not have been possible seeing as XXXX XXXX itself does not manage my account, NFCU does, but I did my due diligence and called XXXX XXXX customer service to request the balance transfer check either be routed back to XXXX or forwarded on to NFCU. However, my attempts by phone with XXXX XXXX have been rebuffed, representatives telling me that because neither my name nor account number are able to be pulled up by their system, they could not help me and could not locate the check information I provided them. I have already escalated my case with XXXX, which their XXXX response team has issued a statement on ( attached ), and I have even gotten representatives from XXXX and XXXX XXXX on a call together without resolution. XXXX has explained they can not recall the check themselves now that it has been cashed by XXXX XXXX. My bank, NFCU, similarly has told me they can only confirm they never received the check, and do not have the ability to request it be rightfully routed from XXXX XXXX. I have enclosed the following with this letter : XXXX. My initial XXXX XXXX letter indicating I initiated a balance transfer through them XXXX. The copy of the balance transfer check sent by XXXX to XXXX XXXX ( sent XXXX XXXX, reflected on my XXXX statement XXXX XXXX ) ( front and back ) XXXX. XXXX statement explaining they had sent the check XXXX. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX response to my inquiry XXXX. XXXX XXXX XXXX XXXX letter attesting to XXXX XXXX XXXX that they never received the balance transfer check XXXX. My XXXX account statement showing {$3900.00} added balance transfer debt on XX/XX/XXXX I will include my NFCU XXXX account number for reference in the next section, but know this will not be found in XXXX XXXX ' system as it is an NFCU card. | ||||||
| 04/07/2022 | Yes |
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| Good afternoon! I wanted to respectfully request that my phone call to Navy Federal Credit Union on yesterday XX/XX/2022 between I and a supervisor name XXXX be sent for review. From the beginning of our interaction he seemed very agitated and annoyed with me. He also left me on hold for a very long period of time and throughout the entire interaction he did not use any professional soft skills. I did not use any type of choice words and/or profanity and he still remained unprofessional and hung up in my face, because of his frustration of not being able to provide me with an answer to my question. I had the new member that I referred to Navy Federal Credit Union on the line with me whom observed the entire interaction, and has a senior citizen and new member of Navy FCU was appalled at the way XXXX spoke to me and she personally felt that it was something personal about me as a person that XXXX felt that he could treat me the way that he did. This is the second time that I have been hung up on from a supervisor from Navy FCU without provocation. I again, did not use any profane language and only called to inquire about the referral that their company website and email states. I even mentioned to him that the new member had to put my Navy Federal access number on the application for me to be able to get the referral credit in 14 days. He spoke over me and after a long hold, came back to line and stated that he apologized but he did not see any current or expired promotions for referring new members to NFCU. I advised him that that was not what the email stated and that I referred two people. He then stated let me check to see what email we sent you. What email? Why would the email be sent to me? I tried to tell him again that the email that I have attached to this compliant along with the online advertisement came from one of the new members. Left without an answer to provide he simply stated to me " If there is nothing else, I will be ending this call! '' He then hung up on me. This is highly unacceptable and I again feel that NFCU has flagged my account in some shape or form that I am a difficult customer. I took the survey and gave all 1 's which prompts for a member of the escalation team to contact me to see what happened and how they can help. This phone call or any sort of contact has yet to happen. Additionally I feel that with what Navy Federal Credit union has posted online for advertisement referring new members is misleading and untruthful. They also confuse the new member by sending them a follow up email that confirms that a referral credit was be issued to both the new member along with the referring member. As it stands now Navy FCU will benefit from the 2 new members that I referred and left me out to dry with the referral that was cited. This is unethical and I would like to have the matter investigated with the actual call in question being sent to the CFPB for review. I really appreciate your guidance and help with this matter. | ||||||
| 04/07/2016 | Yes |
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Web | Servicemember |
| This is in regards to both my Auto Loan and Consumer Loan with NFCU. Over the last two months I noticed the breakdown of my per Diem and the amount going to principal/interest based on the number of days in the billing cycle was wrong.I was being over charged interest despite the calculation of the per Diem x number of days since last payment. I called over two weeks ago and was told our account would be audited. ( The reason their representative recommended an audit was because she too said we were being charged more and she did n't know why. ) After a week of no response, I called back only to be told by a manager an audit was never sent but a " Financial Hardship '' request was. ( I am paid a month ahead on both my loans so I do n't understand why this was even a thought. ) She said the request was re-entered, sent " urgent '' and two business days we 'd hear back. It 's been almost three weeks and still no call. They have failed to provide the per Diem and P/I interest breakdown since the start of the loan which we have requested. We were also told that between the initial complaint and last it was corrected however, we never received information regarding the correction or any credit to our bank account or principal balance of the loan. ( We do n't even know how long it had been going on because again, NFCU has continually failed to provide the information requested. I was also told I would be able to pay towards the principal of the loan eventually paying it off early however, now I am told they do not offer that option. They only allow me to pay the balance in full or pay ahead. If I continue to pay " ahead '' as instructed that serves me no good as they will still collect on daily interest until the payment is finally made. I have continually been given false or inaccurate information since I took out these loans. When I have asked for statements from the beginning of the loan with the breakdown of the per Diem, the number of days in that period and how much went to principle and interest, they send me a transaction history which is the same information provided online. ( The date and amount of the payment made ) I have also been told to keep calling back if I do n't hear a response within the provided time frame. This is not my responsibility. It is their responsibility to follow on with their " audit '' as their representative explained and call me or provide me something with the findings along with what I have asked. " Adjusting/Correcting '' the account without following up or giving me the credits for overcharging is fraud. I no longer have the examples of what was off because it is now " lost '' due to the initial filing never being completed or completed accurately. This is absolutely inexcusable especially when I have never been late on any of my loans, in fact they are paid a month ahead and my credit card has a zero balance. This needs to be looked into immediately and my loan needs to be evaluated from day one for corrections and fraud. | ||||||
| 09/01/2016 | Yes |
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| I took my car to XXXX XXXX on XXXX/XXXX/2016. I have a brand new car that I just had to have repaired by XXXX XXXX XXXX for an accident I was in. The entire passenger side was replaced, windows included. I observed the man who claimed to be the business owner, XXXX, cutting the tints while placing them on my exterior passenger side windows. He was also on the phone the ENTIRE TIME he was cutting and placing the tints, and not paying attention to what he was doing. After the work was completed, his coworker came in and asked me how I would be paying. They did n't even attempt to let me inspect their work before asking for payment. Then when I went out to look at my car, his coworker said to me, " OK but before you look, I have to tell you something about your car. '' And then I said " Tell me what? '' When I walked around the car and inspected the job I understood what he had to tell me. There were deep cuts in the exterior glass of my passenger side windows from him leaning on them and cutting the tint. He also did not measure the tint properly and there are gaps in between the tint and the top of the back windows. When I proceeded to express my concern with this, XXXX became belligerent and denied all accountability for the damage he caused, saying the scratches must have been caused by " SAND. '' Sand and dirt do n't cause deep scratches in glass, surface scratches maybe. Also, I had just had my entire passenger side replaced. He cursed, yelled and then proceed to, RIP THE TINT OFF MY DRIVER SIDE WINDOW WITH HIS BARE HANDS. Not only did he damage my car, but he then RIPPED THE WORK HE DID OFF OF IT WITH HIS BARE HANDS. I told him to get away from my car and called the police. When the police arrived the officer gave me XXXX options, either pay for the service, even though XXXX had ripped the tint off my vehicle, or go to jail. I was literally forced to pay for a service that was not completed on my car, and told the officer I was not going to pay for it, and if he forced me to do so under the treat of arrest that I would be notifying my bank immediately and filing a dispute. I called my back as soon as I left the tinting company and they said as soon as it posted to call back and I would have no issue disputing this unauthorized charge. The dispute representative who handled my case told me he could do nothing about it and did n't even want to attempt to dispute the transaction. He reluctantly did but it was after I had to literally argue with him on the phone about my rights as a consumer. No correspondence was sent to me thereafter other than the bank sending me a letter saying my dispute had been resolved and that the provisional credit they placed on my account would be removed on XXXX XXXX, 2016. I called my bank yesterday XXXX XXXX, 2016, and they said the dispute was closed and there was nothing the bank could do about it, and that I needed to continue pursuing it through the XXXX, and my FTC complaint because they would not go further with it. | ||||||
| 06/10/2021 | Yes |
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| On XX/XX/2021, I had a conversation via XXXX with a local tattoo artist who was promoting their work. The tattoo artist messaged me and asked what I was looking to have done, explained the appointment process, we agreed on a date and time and he provided me with the address to the tattoo shop. I plugged the address into XXXX XXXX and confirmed that it was a valid address, 9.6 miles from my residence. He advised that there would be a deposit of {$250.00} to book the appointment, which is very common for tattoo shops to require deposits when booking appointments. I provided images of what kind of tattoo I was looking for and he confirmed price and that he would be able to do the work. He provided me with his XXXX username as XXXX XXXX and advised me that once I sent the deposit to let him know so that he could begin sketching the tattoo. I sent the money using my XXXX account and advised him that the money had been sent. He continued messaging me asking questions about the tattoo and if I wanted him to come to my house as he does mobile tattoos also or if I wanted to head to the shop. I advised that I would feel more comfortable heading to the shop. I never heard from him again. Around XXXX that same evening, I received a direct message from someone on XXXX advising me to not do business with this person because her daughter was just scammed. She advised me that she noticed I had commented on one of the tattoo artists pictures and wanted to reach out to me to warn me that he was a scammer. She mentioned that he provided her daughter with a fictitious address, asked her for a {$100.00} deposit and then never messaged her daughter back once the money was sent. I reported his XXXX page as fraud, blocked him and reported his XXXX profile as a scam and reported the fraud. XXXX finally shut his account down but it seems his XXXX profile is still active. XXXX has the ability to see how many times this person has been reported as a scam or fraud and should have shut this account down. XXXX also can see the routing and account information or debit card information as to where the funds are being deposited or cashed out to for this user, yet XXXX seems to not care and allow this type of fraud to continue to happen. I called NFCU on XX/XX/2021 and reported all of this information. I was advised that the report had been submitted to their Fraud and Disputes Department for further investigation. Over a week later I called back to confirm the status of the report. I spoke with an agent who advised that the case had not yet been assigned to anyone and to allow additional time for the case to be assigned and reviewed. The agent also advised that they don't typically submit reports to Fraud and Disputes for XXXX transactions due to it being a third party company who debits money from your account. The agent also stated that once the case is reviewed it's very likely it will be declined and I won't be able to recoup my funds because NFCU has no control over XXXX. | ||||||
| 06/09/2018 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX i applied with navy fed credit union for a used auto loan. I was approved for {$38000.00} at 5.39 % interest for what i was told a XX/XX/XXXX or newer truck with less than 25k miles. I told then rep i was looking at a XXXX XXXX ltz with XXXX miles because it was a nicer truck and the lowest miles i could find outaide of new. She told me that the rate MAY change little but wouldnt go.higher than 5.9 or 6 % but with the low miles it should be 5.39 % ( i have this call recorded ) note the lowest rate offered on the said vehicles.is 4.09 % so i was close to the lowest. I said ok thanks send the cbeck. The details in the loan docs.where as she stated on the phone. Tuesday XX/XX/XXXX i purchased the XXXX XXXX XXXX ltz with XXXX miles on it and.financed XXXX. When the dealer called to.verify the check and amount, they asked the navy fed rep if the rate would change, the rep replied that as of right now no it would stay at 5.39 % but they didnt know for sure untill its completed and closed. I said ok lets do the deal. Today sat XX/XX/XXXX i got onto my navy fed account and it shows they raised the rate to.9.69 % almost 5 percent higher than quoted. I contacted navy fed ( also recorded ) and was told there was nothing they could do. I dont understand how.they can raise tbe rate that high witbout my authorization as i wouldnt of bought the truck. I asked what the lowest available.rate was he said 4.09 % and i was approved for 5.39 % so.i asked how it goes up 5 % just because i bought a 2 year old vehicle with XXXX miles on it. ( note the truck is worth XXXX $ ) he said thats how.it works and refused to talk further. After this i started applying to refinance with other banks and was offered 4.5 % for 72 months. So as we can see its not a credit or debt problem. It seems like bait and switch or fraud to me. Now to refi i have to hurry up and pay sales tax to register and pay title fees, pay navy fed a XXXX loan origination fee, and the accrued interest so basically i was not only duped but im gon na be out XXXX $ in this whole ordeal. They should not be able to get away with this and lie. They had tbe opportunity to disclose the higher rate and refused to be honest which is fraud. I advised them i will be contacting this agency, the XXXX, and an attorney and i was hung up on. I have sent multiple emails to the loan department with no.response. i think they should either lower the rate back to 5.39 or because of the inconvenance and added stress they caused me match the 4.5 % offered by XXXX XXXX XXXX. If not they should remove all fees and interest so i can.just refinance the XXXX i borrowed so im not out money due to thier games. Im a XXXX vet and i expect a bank designed to help military to help us not hurt us. Just so its out there i have a credit card with them and i have NEVER missed a payment, and a XXXX $ auto loan i just paid off in exactly 1 year. Not one missed payment. I feel people should be aware of this when shopping. Thank you | ||||||
| 03/04/2022 | Yes |
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Web | Servicemember |
| XXXX, I went into the Navyfed located in XXXX TX. I went in there with my spouse to deposit a check of XXXX and do a cash advance for XXXX out of an external account. The teller ( XXXX ) was very rude and unprofessional. She stated that to do my cash advance, she would need to ask two identifying questions. Never had to do that. So I inquired why? If I never had to, did something change? She stated the policy Changed XX/XX/XXXX. I said that's false. I've never been asked anything, besides the two forms of id. She asked if I wanted to speak to her manager, I said I didn't request to speak to your manager, I'm asking you the question ( the teller ) that called us to the window to assist us. She displayed unprofessionalism by huffing and puffing under her mask, chewing her gum aggressively, and rolling her eyes. I addressed it, she didn't like it. She walked away to go get assistance. I started to converse with my spouse, I guess she heard me, and became confrontational in the lobby. I told her to continue to get her manager like she suggested was the best remedy and to stop addressing me. She came back and my spouse and I both said that she was unprofessional and she started to cry. A guy walked up excusing her, and directed us to wait in the lobby area and said someone else would assist us. So now we are waiting additional time after other members that came after us. He then came to get us, he asks our nature of being there. We told him. As he is checking the database, he never asked the two identifying questions, like she said was policy. I went to describe the issue to him, he didn't apologize, he did not say anything to make us feel like members of the institution. I'm a veteran who has been a member with Navyfed since XXXX. I asked him his title, he said he was the branch manager ( XXXX ). In my mind, I'm like as a branch manager, you should implement professionalism. If someone is complaining about their interaction with your staff, you shouldn't deflect from the questions or display that you don't care or you're uninterested. As we left, there was no salutation, no thank you for our business. In addition, my other complaint within consumers affairs in regards to the branch in XXXX XXXX, plays hand in hand with this complaint I'm doing right now. The branch in XXXX XXXX declined my cash advance due to " policy change '' of not being able to verify my card information. But if the policy has changed, how was I able to complete the same thing with the branch in XXXX, if the policy is for all Navyfeds. The disrespect displayed in the branches are beyond me. This makes me feel as if they pick and choose who to service. Navyfed represents All Military personnel and their dependents. I do not appreciate these interactions. And I want some resolution. I plan to make this issue public and civil. This is the second interaction with Navyfed that I've had where the staff displays disrespect, dishonesty about policy changes, and seems to be unethical. | ||||||
| 04/11/2018 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I contacted Navy Federal Credit Union to inquire about my payment due in the amount of {$750.00}. I was informed that I missed a payment, but as I was reviewing my XXXX payments online, I noticed that I didn't missed a payment. That, I had changed the dates to reflect the end of the month with the Collection Department, and they must have failed to inform the XXXX Department. I recently changed my payments at the end of the month instead of the first of the month because I received my direct deposits through Social Security which I received 4th Wednesday of the month. Again, I had arranged this payment with Collection Department. Unfortunately, the collection department may have not been communicating with the XXXX department about date changes. On XX/XX/XXXX, I made my credit card payments with Navy Federal Credit Union instead of XX/XX/XXXX ; due to my social security direct deposit. Navy Federal Credit Union XXXX department informed me that I missed a payment. I then requested to speak to a supervisor. XXXX, XXXX supervisor informed me that I should look at my transaction online. I requested for an investigation and an audit, but she said to look online instead. She was not a nice person and didn't cooperate with me based upon my request to have my payments investigated and audited. She was arguing with me on the phone, and I informed her that she should listen to the service member in order to satisfy our needs. I also informed her that when a payment is not met on a timely manner they will sent the late payments to collection department. That, I have to explain the reason for my late payments and wait till I received my direct deposit since I am a XXXX veteran and retired. On XX/XX/XXXX, I applied for the XXXX credit card, and was telephonically informed that the interest percentage rates was 3 % which is the reason for applying for the XXXX XXXX credit card. Unfortunately, during the period I had applied the interest rate was 15.15 %. Currently, the interest rate is 16.4 %. During the government furlough, XX/XX/XXXX, I requested to lower my monthly payments. XXXX XXXX, personal management counselor assisted me, and she informed me to close my XXXX account in order to make the lower monthly payments. Apparently, she failed to inform me that closing the XXXX account could affect my credit scores. Again, after my retirement from federal civil service, I requested for a lower monthly payment, and once again the payments were lowered in order to meet my financial hardships. I believe that Navy Federal Credit Union has been unsatisfactory with their services, and I decided to close my accounts with the institution. Thus, I have had problems in the past with Navy Federal Credit Union due to their services and products. XXXX XXXX has been charging late interest fees in the amount of {$20.00} because of not making payments in a timely manner. Although, I had ask to change the dates. They are making money by charging me. | ||||||
| 08/22/2019 | Yes |
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Web | Servicemember |
| On or about XX/XX/XXXX, I filed for a Pre-Approval VA Home Loan with Navy Federal Credit Union which was approved to start the home loan process. The amount was for approximately {$330000.00} to {$360000.00}, with a deposit or XXXX for approximately {$110000.00} to {$120000.00} from my recent home being sold on XX/XX/XXXX. During the process the loan was denied because of a Chapter XXXX Bankruptcy over 16 years for visa credit card for approximately {$2500.00}. They included the Bankruptcy, poor credit performance with them, delinquent past or present credit obligations with others, time since most recent account openings is too short, length of time revolving accounts have been established, too many accounts with balances and length of time accounts have been established. This was and old debt and was no longer showing on all three major credit bureaus creditors use for approving credit. Again one of the reasons is from retaliation and grudge from the Chapter XXXX Bankruptcy against Navy Federal Credit Union Visa Credit Card debt of about {$2500.00} on or about XX/XX/XXXX. The bankruptcy was removed and deleted on or about XX/XX/XXXX. To become a member again about XX/XX/XXXXor XX/XX/XXXX. I had to pay the former debt and/or provide the evidence I filed bankruptcy. I provided the required bankruptcy documents to become a member again, however I thought from the former being in default or not being abled to pay from financial hardship, unemployed and a previous divorce the debt would be forgiven and not held or used against me. I do not know why and for what reasons the credit union keep such old information to still use against their customers or members. I have an excellent credit score of XXXX, paid my debts on time with no late or missed payments. All of their false, negative views and opinions are false. I am being retaliated because of the past debt and bankruptcy decades ago and the Federal Bankruptcy Laws ( NFCU ) is breaking and is illegal. My XXXX from being a XXXX veteran, ethnicity and/or race, family status of having a child under XXXX years old, being the single provider to my wife and son and my income from the Department of Defense via the Department of Veterans Affairs Benefits Administration and Social Security Administration. This is a Violation of my Civil Rights and Federal Laws. I feel and believe why should I have to go through a fair resolution to the issues and they do not have to abide by the U. S. Federal Statues and Laws. Their webpage site and online accounts for members do state they forgive previous debts for their credit cards and different loan programs. I am being singled out because of my race, XXXX, income sources, family status and others, when they are given loans out to other members from the same conditions and all these documents should be surrendered by the credit union. I do not know how to attach documents and/or uploads. I request a fax number or mailing address or email address. | ||||||
| 07/25/2017 | Yes |
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Web | Servicemember |
| This complaint regards predatory lending practices by Navy Federal Credit Union ( NFCU ) and has come to my attention by way of my XXXX sons who attend the XXXX XXXX XXXX in XXXX XXXX, NY. This issue is not isolated to this Academy and is likely the same at the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. Most XXXX are encouraged to become NFCU members during indoctrination as the credit union is the only bank with a branch on campus. As part of their curriculum, XXXX must XXXX a minimum of one year on a XXXX XXXX XXXX XXXX and are required to establish accounts at NFCU to have their their earnings directly deposited. Please see the attached Navy Federal Credit Union " Merchant Marine Academy Career Kick-Off Loan Program '' application. This particular loan program is offered to any student in their XXXX or XXXX year ( XXXX or XXXX XXXX ). The only disqualifying criteria seems to be having another similar loan in existence. Due to the rigorous demand of the Academies most student do not have outside jobs. NFCU is offering loans up to {$32000.00} to individuals without income and the ability to repay and with minimal or no credit history or experience with debt. Should a XXXX accept the loan and then fail to graduate ( as many do ), separate from the military or fail to maintain a checking account at NFCU with Direct Deposit the loan reverts from the 1.25 % teaser " to the prevailing signature loan rate. '' This rate is not disclosed on the application. I asked my sons if they or any of their friends at he Academy knew what that rate might be. No one knew. I searched NFCU 's website for this rate. It is not published. I called the number on the application, XXXX XXXX XXXX XXXX and asked myself. At first, I was given a range of APR rates for the wrong term loan. Upon further clarification, I was finally given the prevailing signature loan rate for terms over 36 months at 13.95 % -18 %, based on credit score. I asked what a likely credit score would be for a XXXX year old with no job and no prior history and we agreed that it probably would not be qualifying for the lower end of the rate scale. I am sure many of these XXXX take these loans out having no idea their rate could increase 12 fold, payments increase by hundreds of dollars every month and end up paying almost 10 times more in interest! The Credit Union knows these XXXX have no Federal student loans as they attend tuition-free US Academies and therefore these represent lower risk and their loans would likely be in the first position for repayment. NFCU knows these XXXX have no jobs nor ability to repay, yet offer a ridiculously generous unsecured " signature '' loans. They do not disclose the terms should the loan " revert '' and make it difficult for someone like me with plenty of experience with loans and credit to even find out. This program hooks these men and women on debt and locks them in as members from an early age. If that is n't predatory, I do n't know what is. | ||||||
| 07/21/2023 | Yes |
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| Navy Federal Credit Union Member Service Department XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Late Payment Removal - Account Numbers : XXXX, XXXX, XXXX Dear Navy Federal Credit Union , I hope this letter finds you well. I am writing to kindly request the removal of late payments from my accounts, specifically for the accounts with the following numbers : XXXX, XXXX, and XXXX. I understand that the late payments occurred during the challenging period of the COVID-19 pandemic and before the pandemic when I was faced with the unexpected circumstances of being laid off and searching for a career path. I am deeply grateful for the understanding and support that Navy Federal Credit Union has shown during this time. Firstly, I want to express my sincere appreciation for the opportunities you have provided me over the years as a valued member of your credit union. I have always been proud to be associated with Navy Federal, and your exceptional customer service has been a significant factor in my financial journey. During the unprecedented COVID-19 pandemic, I faced financial hardships due to job loss and reduced income. As a result, I experienced difficulties in making timely payments on my accounts. However, I am delighted to inform you that both the loan accounts, with account numbers XXXX and XXXX, have been successfully paid off. The remaining account, XXXX, is also nearing its full settlement, and I expect to have it paid off shortly. I wish to emphasize that I have learned valuable lessons during these challenging times, which have greatly contributed to my personal growth and financial maturity. I have become more disciplined and responsible in managing my finances, and I am committed to ensuring that all future payments are made promptly. Considering my long-standing relationship with Navy Federal Credit Union , the successful pay-off of the aforementioned accounts, and the extenuating circumstances surrounding the late payments during the pandemic, I kindly request your consideration in removing the late payment records from my credit report. Removing these late payment entries from my credit profile would significantly improve my creditworthiness and strengthen my financial standing. With the newfound knowledge and maturity I have gained, I am determined to continue demonstrating a reliable payment history moving forward. I truly value the relationship I have with Navy Federal Credit Union, and I believe that this goodwill gesture would not only benefit my financial prospects but also reaffirm the trust and loyalty I hold towards the credit union. I would be deeply grateful for your understanding and positive response to my request. If possible, I kindly ask that you provide a written confirmation of the late payment removal for my records. Thank you for taking the time to consider my request. Please feel free to contact me at XXXX or XXXX if any further information is required. Sincerely, XXXX XXXX | ||||||
| 05/17/2016 | Yes |
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Web | Servicemember |
| I am writing this complaint in reference to my experience in dealing with the ( NFCU ) Navy Federal Credit Union mortgage department in regards to trying to refinance my mortgage home loan with this bank ; I have terrible bad customer service since I started this whole process. I had tried to go through Navy Federal credit union when I was first trying to get my house and the first time I had the same bad customer service I had wrote to the bank president XXXX XXXX about my experience and displeasure and dissatisfaction with the service through the lending department and I received a call from a woman from Navy Federal two weeks after I had sent the letter. I had given her my story of my situation and explained to her that I have not ever expected to be treated so badly in all of my years that I have been banking with Navy Federal and she had apologized and explained to me that should not have happened and highly encouraged me not to get discourage an reapply. I did what she had told me and I wanted to have my mortgage with Navy Federal since I have been with them a long time and I have gotten good service from them ever since I was in the military. When I first began the process with the Navy Federal mortgage department I had again started to get bad service again and the way that I was treated was not so egregious that I had to request to speak with a supervisor and asked to be assigned another loan officer because this person was not proactive and not returning any of my phone calls or answering any of my questions, communication was poor and customer service was horrible. I was assigned another loan officer who I was working with for a short period of time, she advised me that she will be going to another department and that I will be getting another loan representative. I got a new representative and I felt like I was alone in this whole process, the support was n't there. I was the one calling all the time to find out where and how things were going and I was n't getting any of my phone calls returned, at this point I was extremely disappointed because I had given all my financial information and everything that was needed already and I was going through this terrible experience with this institution that I held so highly and referred to as XXXX the best. I believe I was treated rudely and unfairly, I feel like I am being redlined by Navy Federal Credit union and this is totally unacceptable, I believe that when I first complained about the first individual things took a turn for the worse and I was being treated this way for that. I have provided a copy of the first letter that I had sent to the bank president. Navy Federal Credit Union 's mortgage department is not very good at all and especially for veterans which Navy Federal always take pride and says that they are committed to providing quality service and taking care of the member which in this case they have n't and it 's been a total disappointment and let down. | ||||||
| 06/10/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Credit Dispute Letter - Account Numbers : XXXX and XXXX I am writing to dispute the accuracy of information reported by your agency regarding the accounts held with XXXX XXXX and Navy Federal Credit Union. The account numbers in question are as follows : XXXX XXXX - Account Number : XXXX Navy Federal Credit Union - Account Number : XXXX I have recently reviewed my credit report and found several inaccuracies and inconsistencies that directly violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly in accordance with 15 USC 1681N. Furthermore, I am formally requesting proof of ownership for these accounts. In particular, I have identified the following erroneous information and incorrect addresses associated with these accounts : Remove address from my report Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Erroneous Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I would like to point out that I have never resided at any of the addresses mentioned above. These inaccuracies are not only damaging to my creditworthiness but also violate the FCRA, which mandates accurate and up-to-date reporting. According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is your responsibility as a credit reporting agency to conduct a reasonable investigation into disputed items within 30 days of receiving a dispute. I demand that you promptly initiate a thorough investigation into these inaccuracies and provide me with the results. Furthermore, I request that you provide proof of ownership for both the XXXX XXXXXXXX and Navy Federal Credit Union accounts mentioned above. This includes any original account agreements, signed contracts, or other documentation that establishes my legal responsibility for these accounts. Failure to conduct a proper investigation, correct the inaccuracies, and provide proof of ownership within the time frame required by law will constitute willful noncompliance with the FCRA. As outlined in 15 USC 1681n ( a ) ( 1 ) ( A ), I reserve my right to seek damages of up to {$1000.00} per violation for any willful noncompliance. I kindly ask that you keep me informed of the progress made regarding this dispute. Additionally, I request that you provide me with a written response detailing the steps taken to investigate these inaccuracies, any corrections made, and the proof of ownership requested. Please note that I am prepared to take further legal action, if necessary, to protect my rights under the FCRA. However, I trust that it will not come to that, and that you will rectify the inaccuracies promptly. Thank you for your immediate attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX | ||||||
| 08/15/2022 | Yes |
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| My XXXX XXXX XXXX daughter and I are currently displaced from our home due to mold and damage inside my home from weather conditions that occurred on XX/XX/XXXX. On XX/XX/XXXX, a check in the amount of {$7800.00} from my insurance company was deposited into my checking account. The deposit was approved the same day and a 2 day business hold was placed on the check. Before the 2 days were up I received another email stating there was an additional hold placed on the check for 5 days. I called in to NFCU to get clarification and was pretty much told my check was looked at as Fraud. I called my insurance company and the Treasurer verified the funds had cleared the account. I then contacted NFCU and requested a supervisor, I was passed off to 2-3 supervisors until the final supervisor stepped in and took responsibility of the issue, the supervisor contacted my insurance company and a email with the cleared check was sent over verifying the funds, afterwards the supervisor made sure the hold was lifted, and my funds then became available for to take care of the repairs for my home. NFCU also gave me {$100.00} credit apologizing for the inconvenience stating they were sorry that my check was looked at as Fraud. Moving forward to XX/XX/XXXX, the final check for my home renovation in the amount of {$7900.00} was deposited into my account and I received the email that the deposit was approved with a two day business hold. I called in to NFCU on XX/XX/XXXX and was told funds would be available XX/XX/XXXX between XXXX XXXX & XXXX XXXX. The funds were deposited after XXXX XXXX so I made a payment to my gas company and was set to pick up materials at XXXX XXXX. NFCU, took the money back out of my account at XXXX XXXX then sent an email stating there will be an additional hold of 5 days. I immediately called NFCU and was told security was the reason for their actions. I called and spoke with at least 4 supervisors and was told the last supervisor that helped you Wont be able to assist you again so pretty much to stop calling. On XX/XX/XXXX, I contacted my insurance company to verify the funds cleared and was notified by the Treasurer of my insurance company the funds cleared on XX/XX/XXXX. I then called NFCU and spoke with another rep that attempted to help after I explained I have to check out my hotel on XX/XX/XXXX, and my home still has mold and the materials that were on hold for me would be lost. The rep suggested I call my insurance company and get the treasurer on the line while he attempted to get a supervisor back on the line. Once I got my insurance company on the line and the NFCU supervisor and my insurance company verified the funds were debited from the account on XX/XX/XXXX, the supervisor stated okay were still going to hold the money At this point I feel Im being discriminated against. NFCU has treated me like a criminal with their Unethical and Unprofessional practices. I will escalate this matter to the fullest extent. | ||||||
| 05/01/2017 | Yes |
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Web | Servicemember |
| In XXXX XXXX I searched the Navy Federal Credit Union website for my account 's tax statements for XXXX and previous years. At that time, it was visible that only the latest ( XXXX ) was made available through that medium. So, I started checking as far back as the website would allow for months ending in XXXX , to compare. I came upon a check amount that had been withdrawn in XXXX XXXX that I did not recognize. I phoned th e NFCU to inquire about said check. The customer service person sent a check copy to my email. That check bears my account nu mber, but the other numbers on the bottom of the check do not coincide with the check #, nor is it my name, nor signature on said check. I called the customer service line on several occasions regarding the unrecognized check, questioning how that check was able to clear the bank with wrong information. I spoke to a supervisor on several occasions by the name of XXXX ( spelling? ) who concurred the check did not seem right with the information on the check, but it had been a mobile deposit from another location and an investigation would be opened, with an investigator contacting me for further details which never happene d. She did send me a pre-completed form for me to return to NFCU. Today, I received a letter from NFCU that it is my responsibility due " After a thorough investigation, we concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$500.00}. You have the right to request information concerning the investigation and how we arrived at this conclusion. '' I phoned the toll free number on the letter and all the cs person in their security dept. could tell me was that from available notes, it was due to being past the 60 days from statement, but could not tell me if it had actually been investigated. Now, that does not seem correct to this consumer due there is still no real explanation as to how the withdrawal even went through the account with such discrepancy on the check, regardless of time, once it was discovered. It seems, indeed, an error that it was paid with no further ado. The mobile banking information is in the copy of the check copied to me, the copy tells the name/address of the individual who relates to the check and the name of who it was paid out to, none of it which is my information, not even my location. I am in XXXX ; the party on the check notes a XXXX address. Again, it is not clear in my mind how that check was able to be cleared, except to opine that attention was not paid to the specifics of the check. The amount of the check was for {$500.00} paid out of my checking account with NFCU. I was given your agency name for who handles credit union matters when the security dept. customer service person was prompted for the info. by me today. I am reaching out to your agency in hopes that you can assist me with this matter. Thank you very much for your consideration. | ||||||
| 05/17/2017 | Yes |
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| My XXXX XXXX XXXX XXXX account ( ending in XXXX ) was closed on XXXX XXXX 2017 due to late payments. I received a call from a Navy Federal Credit Union Representative at XXXX ext. XXXX . The representative informed my that although my account was closed, I had 60 days to bring the account back to current status in order for the company to entertain reopening my account. I had the representative confirm the 60days statement on multiple occasion all in which he confirmed. I spoke with the representative consistently under his assurance, I made payments of {$340.00} on XX/XX/2017 ; {$880.00} on XX/XX/2017 ; {$740.00} on XX/XX/2017 and {$360.00} on XX/XX/2017 . The frequency of my payments were possible from me borrowing money from others as I believed and was under the impression that the representative was telling me the truth about the 60days policy. I spoke with the representative on the date of my payment on XX/XX/2017 ( this was the payment that brought my account in current status thus satisfying what I was informed by the representative ) to again confirm that the 60days policy was true and that it was n't a 30days policy to which he confirmed to the 60days policy yet again. I went ahead and walked a few miles to the closest Navy Federal site at the XXXX XXXX XXXX in XXXX , XXXX . once the payment was made, I called the representative ecstatic because I was able to fulfill my end of the deal and satisfy the requirements to my knowledge. The representative ensured me that he will submit the request to have my account reopened. about a week later on XXXX XXXX 2017 , I called the representative again to check on the status and he told me that " Unfortunately the request was denied due to a policy change ''. Feeling disappointed, I asked him if he could explain the policy change and when it was made. He informed me that the policy change " was just made this week '' and that the account needed to be brought to current standing 30days from account closure. I felt heartbroken and betrayed because I believed this was not the truth and that he knowingly manipulated me into making such payments. I asked how and why the policy change impacted my decision if I met/satisfied the policy in place when my request was submitted and he did not provide me with an answer. On XXXX XXXX 2017 I contacted the representative at ext. XXXX again hoping that it was all a dream but unfortunately he reiterated his previous statement citing the policy change. I asked to speak with his supervisor and he transferred me to Mr. XXXX at XXXX who also confirmed the policy change. The entire ordeal seemed surreal and falsified only for me to make the payments. I do believe that the representative at XXXX did in fact knowingly lie, manipulate and mislead me into making such payments and I believe that I was taken advantage of during my vulnerable s tat e. | ||||||
| 06/19/2015 | Yes |
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Web | Servicemember |
| At the beginning of XXXX 2015 I applied to Navy Federal Credit Union for a used auto loan and was approved. I had the vehicle info, the dealership info and all other information that was needed to purchase the vehicle. Before everything was finalized, the vehicle was sold. I cancelled that loan with no problems. Around XX/XX/XXXX I found another vehicle and had all the required info in hand I applied and was approved. That vehicle was also sold before everything was finalized. I called Navy Federal to cancel this loan and spoke to a member service rep and he told me he cancelled the loan and everything was good to go. A couple of days later I am checking my accounts and this loan is now showing up as XXXX of my accounts. I called Navy Federal again and was told the loan was never cancelled by the other member service rep. This rep said they would take care of it. It did n't happen the second time either. The XXXX time I called, emailed through their website and complained on their XXXX page and finally the loan was cancelled but the damage was done. Navy Federal reported this loan to the credit bureaus as if I had received it and given it to the dealership to purchase the car. I called XXXX times to cancel this loan, never went into the bank to pick it up and never purchased a car but this loan is now on my credit report as an open account for {$46.00}, XXXX. I asked Navy Federal to submit something to the credit agencies XX/XX/XXXX and they told me it was not their job to submit anything and pretty much it was all on me dispute it. Even though it was their fault they submitted this fraudulently, it was my job to fix it. I have tried going through dealerships since then to receive financing but no one will give me financing because my credit report is already showing I have this loan for over XXXX already open and it 's making it seem as if I have almost XXXX in debt right now. I do n't, I am only {$22.00}, XXXX. I explained to them what happened and still no luck on getting financing. I still do n't have a car either. I applied again to Navy Federal on XXXX XXXX 2015 and now they are denying me credit. Even though they approved me for a used auto loan all the previous times I applied and XXXX credit cards. I 'm sure they are denying me credit for the same reason everyone else, this open {$46000.00} used auto loan that they submitted to the credit reporting agencies and that 's still showing up on my credit report as open. Now my credit score has dropped a lot because of this and because of all the inquiries by the dealerships trying to get me financing. After all of this, I still have no car, have to rent vehicles or borrow a friend 's car for anything I want to do now. They still have not accepted fault in this and in my honest opinion are not seeing how frustrating and aggravating this is. I am now seeking legal advice and legal action because I need a car and Navy Federal has really left me with no other options. | ||||||
| 06/26/2023 | Yes |
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| I had my account hacked by my daughter I advised Navy Federal Credit Union of this fact and we set up a password, anytime I call in or any money is transferer the customer service reps has to make sure I use the password. After setting this up my daughter was still able to transfer money from my account to her account. XX/XX/XXXX {$79.00} debit card XXXX XXXX, XX/XX/XXXX {$93.00}, {$2000.00} denied my fraud claim, XX/XX/XXXX transfer from checking to XXXX {$2500.00}, XX/XX/XXXX {$1000.00} transfer to XXXX ( this is the person who hacked my acc ), XX/XX/XXXX XXXX check # XXXX {$1100.00}, XX/XX/XXXX {$1000.00}, XXXX XXXX {$17000.00} XXXX, transfer to XXXX {$1600.00} XXXX transfer {$2300.00}, XX/XX/XXXX {$500.00} & {$400.00} XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX {$1100.00}, XX/XX/XXXX {$65.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX {$900.00}, XX/XX/XXXX trans to XXXX XXXX {$95.00} XX/XX/XXXX {$1600.00}, XX/XX/XXXX {$100.00} XXXX XXXX, XX/XX/XXXX {$120.00} XXXX XXXX, XX/XX/XXXX {$80.00} XXXX XXXX, XX/XX/XXXX {$2300.00}, XX/XX/XXXX {$400.00} XXXX XXXX to XXXX, XX/XX/XXXX {$500.00} XXXX XXXX XXXX, XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$200.00}, XX/XX/XXXX, XX/XX/XXXX transfer from checking XXXX from XXXX XXXX to XXXX XXXX . then she XXXX it {$850.00}, XX/XX/XXXX XXXX XXXX {$120.00}, XX/XX/XXXX {$200.00} XXXX XXXX, XX/XX/XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX XXXX {$100.00}, XX/XX/XXXX trans to XXXX XXXX XXXX {$2500.00}, XX/XX/XXXX {$50.00} XXXX XXXX, XX/XX/XXXX XXXX, {$5.00} XX/XX/XXXX XXXX {$5.00} XX/XX/XXXX $ XXXX {$5.00} XXXX, XXXX {$5.00} XXXX, XX/XX/XXXX {$5.00}, XX/XX/XXXX {$5.00} XXXX, XX/XX/XXXX {$5.00} XXXX, XX/XX/XXXX {$50.00} XXXX, XX/XX/XXXX {$5.00} XXXX XXXX, XX/XX/XXXX {$85.00} XXXX XXXX XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX, XX/XX/XXXX XXXX XXXX {$180.00}, XX/XX/XXXX transfer to XXXX XXXX ( this is the person who stole my identity ) {$1000.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX {$120.00}, XX/XX/XXXX XXXX XXXX {$5.00}, XX/XX/XXXX XXXX XXXX {$50.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX {$1100.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX {$50.00}, XX/XX/XXXX XXXX XXXX to XXXX XXXX {$50.00}, XX/XX/XXXX XXXX {$5.00}, XX/XX/XXXX XXXX {$4.00}, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX {$65.00}, {$90.00}, {$900.00}, XX/XX/XXXX XXXX XXXX {$260.00}, XX/XX/XXXX transfer to XXXX XXXX {$95.00}, XX/XX/XXXX XXXX {$5.00}, XX/XX/XXXX XXXX {$370.00}, XX/XX/XXXX XXXX XXXX {$65.00}, XX/XX/XXXX transfer to XXXX XXXX {$1000.00}, XX/XX/XXXX XXXX XXXX {$300.00}, XX/XX/XXXX XXXX, transfer from checking {$36000.00}, XX/XX/XXXX $ XXXX {$1600.00}, XX/XX/XXXX transfer {$2300.00}, XX/XX/XXXX wire withdraw {$4300.00}, reversed provisional creidt of {$2700.00} XX/XX/XXXX, I have voice recordings of XXXX calling into the bank playing like she is me and successfully transferring {$5000.00} without knowing my pass word that I set up with the bank to protect my account, | ||||||
| 10/11/2019 | Yes |
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Web | Servicemember |
| I have a credit card with Navy Federal Credit Union ( NFCU ). I have not received a regular monthly billing credit card statement in over a eight months. I have called NFCU several times about this issue to inform them I am not receiving monthly statements. I have called in the past to have old statements emailed and mailed to me and they are able to do that, but they will not send me periodic statement for my credit card account. I called again today XX/XX/XXXX and informed a representative of the same issue of not receiving monthly statements. I verified my address, which in correct in their system. The representative placed me on hold and stated she spoke with four different departments and the conclusion is my monthly statements are suppressed and I have a security alert on my account and that's why I have not been receiving monthly statements. I asked the rep " so how do I know how much to pay every month and whats my balance. '' The rep told me I had to call in every month and get the information, just like I am doing now. I told the representative that was illegal not to send me a monthly billing statement and she told me is not illegal because I have a security alert on my profile. I asked to be transferred to a supervisor. I informed the supervisor of what the representative told me about not being able to receive a monthly billing statement and of course the supervisor, whom was trying to cover up for their illegal actions stated that was incorrect and I should be receiving a monthly statement. The supervisor placed me on hold again for several minutes and spoke to different departments. Now that they know, I am aware of the law and I should be receiving a monthly credit card billing statement, their conclusion changed. The supervisor told me the statements were not suppressed and they have been mailing out statements every month. I informed the supervisor that is incorrect, I have not received a monthly statement via mail or electronic means. The supervisor told me to check with the post office because they have been sent XXXX I have absolutely no problem receiving mail from any other person or entity and the post office is not to blame for NFCU illegally actions XXXX. I know for a fact what the supervisor told me was incorrect, because when I called a few months ago another representative told me the statements were not being mailed out. The Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of XXXX is very clear. Navy Federal Credit Union is not adhering to the law, under the CARD Act, TITLE ICONSUMER PROTECTION, SEC. 163 ( a ). TIMING OF PAYMENTS, where in which it states : to ensure that each periodic statement including the information required by section 127 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. Navy Federal Credit Union has not mailed or delivered a periodic statement, which is in direct violation of federal law. | ||||||
| 10/28/2021 | Yes |
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| On XX/XX/2021, I received an email from Navy Federal. The email offered to show what cards I prequalified for. After taking the steps to view the pre approved cards that I was eligible for, I decided to choose one and apply. I was then denied. Note : I currently have 3 cards with Navy Federal that are in excellent standing. My only reason for entertaining such offer was based on my good standing with Navy Federal and because the website informed me that I was preapproved. Navy Federal has discriminated against me and violated my rights as a consumer. Pursuant XXXX5 U.S. Code 1691 ( a ) Activities Constituting Discrimination ( 3 ) **Reference 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) As a consumer, I exercised my right to apply, in good faith, considering my current relationship with Navy Federal banking institution. Navy Federal banking institution has undermined my confidence and would cease to function with the absence of consumers such as myself. Pursuant 15 U.S. Code 1681- Congressional findings and statement of purpose. I did not initiate communication. I was solicited and the pertinent information needed, for me to make an informed decision to " not apply '' for credit, was not given. Pursuant 15 U.S. Code 1681m - Requirements on users of consumer reports ( d ) Duties of users making written credit or insurance solicitations on basis of information contained in consumer files ( 1 ) ( B, C ) ( D ) ( E ) Navy Federals reason for adverse action states ; Collection Action Or Judgement and goes on to confirm the decision was based on information provided by the consumer reporting agency XXXX. Navy Federal also states XXXX in whole or in part influenced the decision. Navy Federal also contradicts itself by then stating the consumer reporting agency ( XXXX ) played no part in the decision and would be unable to supply me with specific reasons as to why Navy Federal has denied credit to me. In fact, if the reason for adverse action is not the reason stated above, Navy Federal has violated me again. Pursuant 15 U.S. Code 1691 d Reason For Adverse Action ( 2 ) ( a ) I am currently already awaiting a response from XXXX regarding items/accounts that do not belong on my consumer report. Pursuant 15 U.S. Code 1681 b -Permissible purposes of consumer reports I have never given written permission for XXXX XXXX Navy Federal to report or reflect any negative information on any files/reports regarding me as a consumer. I did not give XXXX or Navy Federal the right to determine my credit worthiness. To conclude, the email sent to me, regarding pre approval, was misleading and deceitful. I was used and taken advantage of. This type of practice from a financial institution is unlawful. I sent a notarized letter to Navy Federal on XX/XX/2021. I have not yet received a response. I give the CFPB permission to obtain/view any and all relevant documentation, to proceed with this investigation. | ||||||
| 11/07/2023 | Yes |
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Web | Servicemember |
| This Complaint is Being Filed Against XXXX credit reporting agency and Navy Federal Credit Union according to the Fair Credit Reporting Act 15 USC 1681 section 602 it says " That it is of utmost importance that consumer reporting agencies carry out their responsibilities with honesty, clarity and respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to keep my personal information safe which is supported by 15 USC 6801 which says '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The companies listed below are financial institutions by definition under that title. Navy Federal Credit Union. 15 USC 1681 section 604 a section 2 says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The company listed below and the Consumer reporting agency XXXX do not have my consent to furnish this information and neither do they have my written consent. Any and all consent to XXXX the companies listed below whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The companies listed below ( Navy Federal Credit Union, XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. I am now exercising my right to out of your reporting services. | ||||||
| 10/26/2022 | Yes |
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| On XX/XX/22, I went online to find XXXX support; found the telephone number of XXXX. Called the number, the representative ( rep ) told me to download the app XXXX so that he can verify that I was the person associated with my XXXX account. I didn't know that downloading this app gave the person access to my accounts. From that moment the rep advised me that was he was sending verification codes. At that time I wasn't aware that the verification codes was actually money coming from my account via XXXX. Later I found out that since the person had access to my phone he deactivated my XXXX account. Later to be told that a text should had been sent out to verify that I was the one making the transfer. I can only assume that it was intercepted by the scammer. I never received any alerts. The amount that the scammer transferred via XXXX was {$1400.00} ; XXXX different transactions. I was advised by the rep at NFCU to change my phone number, in which I did. The fraud department has handled my fraud claim very poorly. I didn't hear anything regarding my claim as far as documents needed to support the fraudulent claim. I just so happened to log into my account XX/XX/22 and notice that there was an adjustment to my account. Call customer service and was advised that the fraud claim had been denied. Request that she transfer the call to the fraud department. I was placed on hold, when I was told that the fraud department states that they are unable to speak with me. Suggested that if I wanted to appeal the decision I go do so with online banking through a message. What type of customer service is this? Of course I asked the customer service representative questions to only hear that she is sorry and not sure of the answer. I later called back to report this incident the fraud department manager. During the call she had the phone on mute the entire time. After I go into this long spill of what happen and how frustrated this has been, there literally was a an awkward moment of silence. Then she unmutes the phone and says I am so sorry XXXX XXXX. She claimed that she will put on message on my fraud account. I just want my money back. I NEVER authorize this charges via XXXX. I questioned the manager in the fraud department what does FDIC secured mean. She states that the fraud department role is to get my money back if possible. If not, then they have the option to refuse to cover the fraudulent charges. Overall, this doesn't make sense, so what is the point of securing money in a financial institute if people can steal your money and the customer is left with dealing with this chaos. Dealing with the credit union not asking for documents when I initially filed my fraud claim has caused emotional, mental and a financial burden. Having to process someone taking money from your account and I never authorize it has been an ordeal within itself. More so the way the scammer took my money has been mind boggling to me. | ||||||
| 04/02/2022 | Yes |
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| Please be advised Im extremely upset and feel as if Ive been discriminated against. There was an issue where I went to deposit money in my account which I took from my business account to put into my personal account and I have proof of it so I dont care who is reported to Bl navy federal, A XXXX Georgia continues to call and harass me as of today I got a call from the local office the young lady didnt even know my name she called me XXXX XXXX XXXX The amount of money was {$10000.00} we miss counted myself and my husband didnt realize that it was {$90.00} over XXXX we ask the young lady to send the money back instead she deposited {$10000.00} in my account and withdrew it is what theyre telling me but I never seen {$10000.00} even be deposited to my account is nowhere on my transaction I checked my bank account every five minutes. Second I feel as if Im being treated like a criminal as if theyre saying that its impossible for someone of my race to be able to deposit that much money in the bank that was money that I have been saving from my business earnings and I also was employed my husband works we are not criminals and I dont appreciate being treated this way. I will also file a claim with the attorney generals office because something at the local navy federal office is not right and Im tired of being harassed Im tired of the phone calls like this was in XXXX why am I still getting calls that shouldve been taken care of already report it to who you want to report it to because Im not a criminal Im not stealing Im not doing money laundering. And I really dont appreciate it and Im going to take this all the way to the top if I have to because I really feel discriminated against. And for now them calling saying that they need my husbands name because he was in the car he drove the car were Married, I asked the young lady to not call my phone again and have a supervisor call me still to this day no supervisor is XXXX called me this is really ridiculous that your XXXX made a mistake and I am being harassed for it. Its also the same young lady thats always at the tailor every time my husband and I go she is XXXX and I feel like shes discriminating against us because we make cash deposits sorry that were making cash deposits. My husband owns a box truck so therefore its money that were making from the business if we were trying to hide anything we wouldnt bring it to the bank. I also have a consulting business and have been doing taxes so. I have to move money from one bank to another because I dont have a business banking account with Navy Federal so I am all my bills are coming out of Navy Federal account so I had to put the money there to pay the bills its easier for me to bring the cash to the bank but I said it is a problem and Im going to be discriminated against and your XXXX XXXX XXXX is always there in the XXXX area is going to continue to harass us and I really really have a problem with this | ||||||
| 06/22/2015 | Yes |
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| my money went to an account at the navy federal credit union on XXXX XXXX 2015 without my knowledge from a tax service called XXXX XXXX XXXX my refund was supposed to come by mail but XXXX XXXX XXXX stole the money i contacted their bank to let them know about the fraud on XXXX XXXX they assured me my money was in that account and was awared of the fraudrulant that XXXX service put my check into that account i was corresponding with the bank up until XXXX XXXX 2015 and i went to the brach in XXXX mississippi and sat there and they pull up the account and seen again tht my check was in the account and they told me the aacount was frozen and that they would send the check back to the I.R.S because they could not issue the check to me they also said that XXXX XXXX XXXX could not touch the money the bank had me to go back to the I.R.S to get a form XXXX for the I.R.S to sign i did that and the navy federal fax the letter to their sercurity department i also have a copy of the letter so on XXXX XXXX the IRS sent me and the navy federal bank a letter of trace for the funds the navy federal bank has in that account i called the bank and ask have they recieved the letter they said yes and i ask the bank when will they send the check to the IRS. the bank told me their is no money in the account to send to the IRS i told the bank that is impossible because the money was in the account XXXX XXXX 2015 when i went to the branch in mississippi and when i was told the account was frozen because they was investigating that account they also told me that the IRS took to long to send them what they needed this bank has been rude to me about my money and also its a back and fourth situation with that bank and their security department i talk to my bank about my rights and the precedure of how navy federal credit union should have follow the precedures in handling this probelm they should have sent the check back 7 days prior to me calling on XXXX XXXX 2015 when i made brought it to their attention and they gave me a call today XXXX XXXX 2015 to dicuss the probelm i told the young lady everything that happen and she got back with me and told me she can not dicuss the matter with me anymore she gave me a number to get in touch with the IRS advocate so i ask her for what their bank has my money they wont give it back and i want some anwers because i have documents that they ask me for in the beginning and they had a nerve to say its a civil matter and thats not true because like i said this probelm was going on for almost 3months the IRS said the bank supposed to send them the check back it should not have went this far and also they said that XXXX XXXX XXXX on XXXX XXXX 2015 could not touch my money so where is the XXXX that they promised me i would get bank i need help with this probelm i even talk to the bank manager and he was rude also i want to go all the way to the head command they wont answermy questions anymore | ||||||
| 11/19/2023 | Yes |
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| Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Navy Federal Credit Union. is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navy Federal Credit Union XXXXhe financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, XXXX, and Navy Federal credit Union whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Navy Federal Credit Union has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. | ||||||
| 11/04/2018 | Yes |
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Web | Servicemember |
| NFCU Collections Department was contacted about past and current collections practices reporting my credit in error. Dating back to XXXX Collections and NFCU sold me GAP Insurance Product in the initial contract of my XXXX XXXX XXXX which was totaled XX/XX/XXXX I used the GAP Insurance to pay off my loan with NFCU. I was mislead to purchase deceptively by representative of NFCU telling me I would be able to replace my truck at the time approval of my truck/loans with no other requirements attached. NFCU received their money paying off my totaled truck then deceived me telling me until I passed a credit check and if my loan wasn't delinquent I'd be approved. I wasnt told that when GAP was being sold as extra layer of insurance - while insured I'd be happy with the followings of buying it. Then realized that I wasn't being treated as. Member or Veteran but being lied to causing Hard ship on me. Collections Department Rep. misrepresented the consequences and abused his Authority by using my overdraft protection of XXXX to pay my loan while causing me financial hardship making my checking account negative. Denied access to my checking account and blocked accessed giving me access only if I paid my delinquent or overdrawn account.i wasnt offered another product of checking line of credit through my checking account. Although I have had my checking account since XXXX while deductions of fees were taken by NFCU. The NFCU was called about my injury in my job.My loan was consolidated while paying high interest fees, late fees to NFCU received the benefits yet again in XXXX. I didn't receive any funds to help my life but approved loan only increased my debt. I ask the collections department representative for help but they ignored me only helping himself sell another loan without any benefits to my financial situation. The NFCU representative told me I didn't purchase PMT PROTECTION PLAN PRIMARY LIFE DIS/IU after reporting my work related injuries on but I found a credit card statement proving otherwise that I was sold and purchased the XXXX insurance PMT PROTECTION PLAN PRIMARY LIFE/ DIS/IU placing my account over the limit. The past due amount was one amount while asking the minimum payment another with XXXX limit. My account has been reported incorrect, with late fees attached, incorrect balance to the credit bureaus by NFCU. NFCU collected and monies from me I paid on my consolidation loan/credit card. Also in XXXX I had a balance of XXXX Reward Points on my Flagship Rewards Platinum credit card that NFCU that I never collected or was allowed to use but NFCU Violated my credit card rights and consumer rights by not honoring our contract to redeeming my rewards points on my credit card or debit card I use weekly for gas other purchases. I paid my bill within the 60 days and didnt received any compensation from NFCU even though I was threatened several times in letters from collections and telephone. | ||||||
| 11/19/2015 | Yes |
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Web | Older American |
| I refuse to go back and forth, he said she said. This is my third complaint and I would like some issues addressed to determine if any CFPB rules were broken. I have attached two documents. One is a statement from NFCU and the only document I have received as to my denial of a VA loan and it 's in the form of an email. The other is a statement from XXXX XXXX from the VA disputing the statement from NFCU. Only XXXX is the truth. This issues that need to be addressed are from the response of NFCU in complaint # XXXX and are as follows1 : First of all I would like to know who I am addressing. There was no name attached to the response from complaint # XXXX or complaint # XXXX or complaint # XXXX or complaint # XXXX and if you are qualified to make decisions on my file and why did the loan officer that was handling my loan get fired. 2 : As a requirment to report all loans to regulators, what reason did you use for my denial of the VA loan. Was it the same XXXX you gave me, that I did n't pay my last month 's rent. I do n't believe that is XXXX of the data points outlined in Regulation XXXX Especially after being pre-approved. 3 : The high cost mortgage I was offered. Does it comply with regulations as set forth in Regulation XXXX after I locked in a rate of 4 % just 30 days prior. Why the high cost mortgage? according to my credit report I had no derogatory remarks, no missed payments on anything and my scores were XXXX and XXXX. I attached a copy of my credit report in complaint # XXXX : You stated that NFCU undertook extensive efforts to assist me, but a VA loan was not an option because of unsatisfactory verification of rent and a court judgement. Well I too took extensive efforts to prove that both landlords lied. Without going into lengthy explanations, I did send XXXX XXXX proof along with a satisfaction of lien from the court. I attached a copy of that in complaint # XXXX. So that was not an option to turn me down. Than you stated that NFCU contacted the VA and they confirmed that the loan was not eligible for a guarantee. Please provide proof of that contact. I do n't think you did. 5 : You said you attempted to offer possible assistance, but the number you gave in complaint # XXXX is to a telemarketing company. I did call it for possible assistance. 6 : I am going to have to include your the title company acting as your agent agent. XXXX XXXX. At closing, they failed to disclose anything to me. We just went through page by page with just a sign here. I did n't even know I had mortgage insurance. I am sure they followed all the regulations, but why was my wife added to the note when I distinctly said not too. She receives all correspondence from NFCU including late notices. My question is, did you report her as a co-applicant and if so, did you report her ethnicity as XXXX. If you can please address these issues I have I would appreciate it. I am sure the CFPB would be interested also. | ||||||
| 03/26/2018 | Yes |
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Web | Older American, Servicemember |
| In XX/XX/XXXX, we contacted Navy Federal Credit Union to apply for a VA Mortgage Loan. The loan application was taken over the telephone with my husband, XXXX and myself on a speaker phone with the Navy Federal Credit Union employee. Everything went well. He said everything looked good, we should have an answer in 48 - 72 hours. We never heard anything. Four days went by, I called to find out who our loan officer was and get a phone number for our contact. I tried calling several times and there was no answer. No voicemail. Finally, she answered her phone and before I could say anything, she said " I can't talk right now, I am out of the office, I will call you later. '' and she hung up. She called the next day and stated that she could not read any of the documents that we had scanned and emailed. We would have to take them to a branch and have them scanned in. It would be 48-72 hours before she would be back in touch with us. I took the documents to the branch and had them scanned in and emailed to her. She called us the next evening and wanted to know who the veteran was. ( We had included a copy of the XXXX and XXXX from XXXX ). It was apparent that she had not looked over the file at all. We requested her supervisor call us. Several days passed and I called and requested that her supervisor call us. I sent several emails, requesting her supervisor call us. I finally called the mortgage division and demanded a new loan officer. We were then notified the home we had been interested in had received a number of offers and they had accepted one and had a back up. At this point we still had no answer on our loan approval. Three days later we received our letter of approval. We review our credit regularly and noted that Navy Federal Credit Union had two " hard '' inquires on our credit. These stay on our credit for two years and can deminish your credit. I contacted Navy Federal Credit Union and requested they correct the multiple credit inquires. The loan officer said it was because I was listed as the veteran initially. I told her that was not our problem since they had a copy of the XXXX, the XXXX from XXXX and at any time that could have been cleared up with communication. The supervisor, XXXX, refused to talked to me because my voice is " harsh '' and hurts her ears. Through the loan officers, I have been told XXXX has submitted this three times to be corrected since the first of XX/XX/XXXX. It is now XX/XX/XXXX and there is no correction reflected. I have spent hours on the phone with Navy Federal Credit Union. I have experienced exceptional service from every department EXCEPT the mortgage department. We have had two other mortgages with Navy Federal Credit Union and have never experienced such poor service. The behavior and lack of professionalism is shameful and certainly not what members of NFCU have come to expect or deserve. Hopefully, someone in the corporate offices will take note. | ||||||
| 07/28/2022 | Yes |
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Web | |
| Please review all attached documents for specific dates and examples of trying to resolve this matter. I notified Navy Federal Credit Union that the information that is being reported on my credit report is inaccurate per 15 U.S. Code 1681s2 ( b ) and they sent a notice back saying it is verified. I Also notified XXXX, XXXX, XXXX and XXXX and the report came back as verified. I know this information is inaccurate because I tendered payment when I initially opened the account. Proof that payment was tendered as stated in 26 CFR 15a 453-1 ( e ) ( 1 ), the Department of the Treasury defines payment ( 1 ) Treatment as payment - ( i ) In general. A bond or other evidence of indebtedness ( hereinafter in this section referred to as an obligation ) issued by any person and payable on demand shall be treated as a payment in the year received, not as installment obligations payable in future years. In addition, an obligation issued by a corporation or a government or political subdivision thereof - ( A ) With interest coupons attached ( whether or not the obligation is readily tradable in an established securities market ), ( B ) In registered form ( other than an obligation issued in registered form which the taxpayer establishes will not be readily tradable in an established securities market ), or ( C ) In any other form designed to render such obligation readily tradable in an established securities market, shall be treated as a payment in the year received, not as an installment obligation payable in future years. Sec. 401. The sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange, or bankers ' acceptances acquired under the provisions of this act, any Federal Reserve bank making such deposit in the manner prescribed by the Secretary of the Treasury shall be entitled to receive from the Comptroller of the Currency circulating notes in blank, duly registered and countersigned. The Act further states, We have provided that any direct obligations of the United States or any notes, drafts, bills of exchange, or bankers ' acceptances acquired by Federal Reserve banks may be deposited with the Treasurer of the United States or with the Federal Reserve agents, and upon these securities Federal Reserve bank notes may be issued. In case of the deposit of the obligations of the Government, the issue of Federal Reserve bank notes may be for the entire amount of such securities. Navy Federal Credit Union is continuing to furnish inaccurate account information to credit reporting companies, including wrongly reporting late payments. This is heavily tarnishing my consumer credit report at no fault of my own. This false reporting has been illegally tarnishing my financial reputation and overall consumer report. | ||||||
| 12/08/2023 | Yes |
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| " According to the Fair CreditReportingAct 15 USC1681 section 602 a states '' There is a need to insurethat consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and arespect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies andI am the consumer. I have the right tomake sure my private information isn't shared which is backed by 15 USC6801 which states '' It is the policy ofthe congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customersnonpublic personalinformation. '' ( Furnisher of informationto credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section2 states that " In general subject tosubsection ( c ), any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely donot have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher ofinformation to credit agencies ) whetherit beverbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise thatnon-disclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my non-disclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorizedunder subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report bymore than seven years. '' This account is an adverse item theyare reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' Aconsumer may exercise the right to opt out atany time. '' I am opting outof your reporting services. | ||||||
| 03/08/2022 | Yes |
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| This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. | ||||||
| 07/02/2021 | Yes |
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Web | |
| I am submitting a complaint against Navy Federal Credit Union to warn others that if your account is ever compromised as an immediate result of being a victim of fraud they will not resolve your case to have your account unrestricted. A teller there informed me of my account being restricted when I went to make a deposit for {$30.00} one day. The deposit went towards the outstanding balance of about {$210.00} due to an unknown check that was cashed into my account by a perpetrator and not even endorsed with my signature, or any signature, on the back of it. I had no knowledge of this activity until the teller informed me. I then was told the account will be reinstated once the outstanding balance is paid in full and an appeal was submitted. Well, I went through a lot of trouble filing a case and contacting the police department about my situation that involved this dispute before paying any full amount of anything I had no partake in. Once my case on file with the police department was getting somewhere, I decided to go back to Navy Federal to pay the full balance and submit my appeal. I was granted victim restitution reimbursement for my financial loss and had my paperwork to back up my claims ready for investigation and review. Even though my legal documents and explanation of the situation that transpired were submitted to Navy Federal Credit Unions security specialist team, they denied my appeal. Shocked by the outcome, I then went further to contact the president of the company by email and was reached by a senior executive who confirmed that the decision to deny my appeal was final. This shows that they do not care about their members once a problem as such occurs. It is not uncommon for people to be victims of identity theft. Anyone who is and finds their accounts compromised with Navy Federal Credit Union will NEVER be granted access to be a member again and you will not get your money back. This is unfortunate because the credit union is highly recommended and favorable for the perks they offer to their members and I was stripped of the opportunity to be able to continue utilizing their services due to the nature of this incident. Im not for certain if this reasoning is mentioned in the fine print of their new member agreement contracts, but it was not a specified reasoning that was mentioned to be used in part of them making their decision to deny my appeal. As a prior member, I am very disappointed and displeased with my experience with Navy Federal Credit Union. Their security specialists team pretty much overthrew police records and documentation that may or might not have even been thoroughly investigated to begin with. Dont try your luck getting a similar situation resolved, if you are being affected. Reporting to the police doesnt work in this case. If anything like this has ever happened to you, your best bet is to bank somewhere else. Dont even consider Navy Federal. | ||||||
| 03/28/2019 | Yes |
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Web | |
| Navy Federal Credit union advertises New or Used Auto Loans as low as 2.99 % on their website : https : //www.navyfederal.org/loans-cards/auto-loans. At the bottom of the page, theres a disclaimer section thats linked to the 2.99 % rate that states Credit and collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ. New Vehicles : Year models XXXX, XXXX and XXXX with 7,499 miles or less. Minimum loan amount is {$30000.00} for terms of 85 to 96 months. Payment example : New auto loan of {$20000.00} for 36 months at 2.99 % APR will have a monthly payment of {$580.00}. Used Vehicles : XXXX and older model years or any model year with over 30,000 miles. Late Model Used Vehicles : Year models XXXX, XXXX and XXXX with 7,500 to 30,000 miles. When calling them this afternoon to refinance my vehicle, I was informed that the lowest rate for a Used Vehicle is 4.99 %, regardless of the term of the loan. I inquired about the 2.99 % rate and was told that the rate was for new cars only. After explaining that any reasonable person would receive the same impression that rates can be 2.99 % for used vehicles, a representative from Navy Federal seemed to agree that the 2.99 % wording could potentially be confusing, especially concerning the use of or and that theyd submit feedback to get this cleared up. This is deceptive. Because NFCU implies 2.99 % is available for new or used cars, they should be honoring this and have an option to get a vehicle financed at 2.99 %. Because they dont actually have this option, action needs to be taken. My concern is that Navy Federals rates are confusing and that they will not honor this advertised rate. This concern stems from a call I placed last year when I originally bought my car - during that call, I was told Id be able to refinance my car at a significantly better rate assuming my credit situation had improved. As of today, my credit situation has drastically improved and I should be eligible for a better rate, significantly lower than my current rate of 5.59 %. Given that Navy Federal has admitted that the lowest for a used vehicle is 4.99 %, Im concerned Navy Federal has likely executed numerous refinancing loans to people who thought 4.99 % was based on their credit - not because of the lowest refinancing rate available. Im also concerned that if I applied today, Navy Federal would not honor the mistake and would attempt to offer 4.99 % or 5.69 % ( based on term ) as the lowest possible rate, especially given they expressed this over the phone. I have put in an ask for Navy Federal to update their literature if its incorrect, and fairly honor the 2.99 % rate in a refinancing application. Its important to note that I was dissuaded from applying today after being told that their website was incorrect and that the rates and marketed materials were not correct for used vehicles. | ||||||
| 12/09/2016 | Yes |
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Web | |
| I was working with Navy Federal Credit Union over three months to secure a refinance on my primary residence. There were many delays in the process on the part of Navy Federal CU to the point that my rate lock expired and was told I could only get a 4.125 % interest rate with XXXX points instead of the XXXX with XXXX points originally agreed on. It was not communicated that the rate had gone up until over a week after it had occurred and multi months into the process. At certain points I had to call three times over several days to get a response. Other times the only way I could get someone was to have the Navy Federal operator actually go get the processor. This is the timeline based on my documents and emails : XXXX - I received the initial Loan documents after applying online XXXX - I reviewed documents XXXX - I faxed Requested Documents XXXX - I emailed to see that the fax arrived ( no response ) XXXX - I received new documents for me to review note : Navy Federal spent 2 weeks beginning XXXX XXXX to review documents before ordering an appraisal XXXX - Appraisal ordered XXXX - Appraisal Completed note : Navy Federal spent 2 weeks to review appraisal and additional documents XXXX - I received email indicating that the processor reviewed the file and missing documents were needed ( Rental agreement, XXXX form ( missed checkbox on form ), HOA information ) XXXX - I faxed the requested documents XXXX - Processor sent files to review ( she believed complete ) XXXX - Back from review ( extra documents needed ) - NFCU increased funds required to close and requested documentation of Trust ( note : this is a standard revocable trust ) XXXX - I faxed the requested Documents XXXX - Processor indicated documents were being reviewed XXXX - I emailed about rate extension since it expires on the XXXX ( no response ) XXXX - I emailed about status ( no response ) XXXX - I emailed about status again XXXX - Processor response to my email : trust information still being reviewed XXXX - I emailed about Rate extension ( no response ) XXXX - I emailed about status ( no response ) note : Navy Federal Spent 27 days reviewing documents since submitting the additional information that they requested XXXX - NFCU emailed saying trust is cleared to close and received updated payoff, file sent to review for close, I received a new document to review ( no mention that the rate was increased but in actuality it had been ) XXXX - I emailed the processor about closing as I had not heard anything, received reply that close can occur on XXXX XXXX XXXX - I asked if we got rate extension, received reply that extension completed at current market rate ( this is the first time I was informed that the rate had increased ) At this point, I asked Navy Federal to give me the originally agreed interest rate ( 3.625 ) since the multiple delays were due to NFCU. They said they would not honor the original rate. | ||||||
| 09/07/2023 | Yes |
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Web | Servicemember |
| On XXXX XXXX I received a text message stating that it was from Navy Federal about suspicious fraudulent transactions on my debit card and a few minutes later a phone call.During the call I was asked to give identification to setup alerts to prevent this in the future.I was busy at work and was trying to finish the call so i was only following instructions and not being focused. I am a XXXX XXXX XXXX and was working in South Dakota. I set up travel plans with Navy Federal credit Union as soon as I arrived in XXXX XXXXLater that afternoon I noticed XXXX {$50.00} dollars transactions on my account and I was thinking if that is the same transaction I received the call about, I called the bank on XXXXinforming them that those transactions were fraudulent and not authorized by me and I told them about the call and the texts from the bank and the representative said that she will make a fraudulent report and I told her I spoke to someone yesterday who said that he did that and she said that no report was made and she will file one now.on XX/XX/23 a provisional credit of the fraud transaction was placed in my account the sum of $ XXXX.while the claim is being investigated. On XX/XX/23 I received a mail from NFCU that the provisional credit placed in my account {$450.00}. Will be removed on XX/XX/23. After a lot of back and forth the NFCU denied the claim stating that the transaction was made from my phone and XXXX said i did made the transaction, I called XXXX and was told that the transaction was not made by me but my account and phone IP was used.After several back and forth I realized that the call was when the transaction was done I called the bank and ask if they texted and call me on XX/XX/23 and they said no. I sent the XXXX receipt showing i did not made those transactions and I told them what XXXX said .I re filed the claim several times and eventually on the XX/XX/23 I received a mail from NFCU stating that they have made a final determination based on the facts of their investigation that my fraud claim was valid and the provisional amount of {$1900.00}. Will remain in my account.But on XXXX the entire amount of the provisional payment was removed from my account.so i called the NFCU reminding them that the money was removed from my account and needed to be returned to my account and then after a long two hour call I was told that I will have to wait until a week later for them return my money, but every time I called i got a different response and i made a police report and also to the FBI and i was refunded only {$1500.00}. Only when asked no one can give me a valid response. I reminded them of the final decision the sent to me in the mail but no resolution to refund me my {$450.00}. Remaining money to date. I was treated rudely and they hung up the phone finally. I asked for the supporting documents to verify their actions and was told I have to subpoena them. | ||||||
| 07/04/2016 | Yes |
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| I applied for Business loan products at NFCU whereas I believe the loan analyst XXXX XXXX XXXX XXXX XXXX is not properly trained or using discriminatory practices. I submitted all required documentation on XXXX XXXX. On XXXX XXXX I asked how long is the processing time frame? XXXX XXXX stated he 'd have a decision by the following week. The following week he reached out only to ask a question already answered on my application. " Which property would be used as collateral? ". After not hearing from him by XXXX XXXX, I reached out asking for a status. Only then, Me. XXXX told me the NFCU had implemented a new process that required a new application to be completed and the processing time would be delayed until the following week, etc. I began to complain and ask when were you going to tell me .... as I have been waiting for weeks for an update. XXXX XXXX became defensive but promised a decision that Friday ( 2 days later ). His decision was " denied '' based on the following reason which are unsupported and contradicted below. Delinquent credit history Policy - too many active, revolving accounts Poor credit performance with us This is a business XXXX loan request for $ XXXX and business credit card to expand my small business. The loan would be secured by a business owned property that NFCU appraised at over {$210000.00} in XXXX XXXX. The comparables has since risen based on recent property sales. Also, the property is free and clear with no outstanding mortgages, liens, etc and produces {$1500.00} in monthly rental income deposited into my NFCU business account. In summary, I would be borrowing less than 50 % of the home value of a free & clear income producing property. The risk is very low here. Second, this is a business loan whereas I pledged as a personal guaranty. My guaranty should only be an added valued. Why is the loan decision based solely on my personal credit history? It does not appear they considered the business income, collateral or anything business related here. In contradiction to the above, I have been approved for a few loans with NFCU over the past year 1. ) in XXXX XXXX a credit card for {$25000.00} ; 2. ) in XXXX XXXX, a personal loan for {$8000.00} ; 3. ) the most recent was XXXX of XXXX ( 2 months ago ), NFCU approved me for a {$25000.00} personal loan with no collateral which contradicts the above statement regarding " poor credit performance '' with NFCU. Over the past 20 years with NFCU I have been late less than 3 times but never over 30 days late whereas it impacted my credit report. I think that XXXX XXXX made an unfair decision in haste and out of resentment because I complained or perhaps he is not properly trained. I am requesting a thorough review of my application be performed and the questions below answered. 1. ) What are NFCU practices regarding business loans and ; 2. ) Did XXXX XXXX XXXX follow the practices accordingly? | ||||||
| 05/22/2017 | Yes |
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| Good day. I am filing a complaint against Navy Federal Credit Union in what I believe to be illegal and false loan practices. I had several credit accounts with Navy Federal ( cr edit card, line of credit, overdraft protection ) that fell behind due to illness. Although I made small payments, the accounts were still behind. I received a call from Navy Federal in e arly XXXX XXXX asking if I would be interested in a consolidated loan for all the accounts. As I had returned to full-time work in XXXX , I was excited and eager to get everything back on track. After speaking to the gentleman on different occasions, I was happy to agree to the loan as long as there was disability/death protection coverage, as well as the interest rate couldnt be higher than whatever was the highest rate on my various loans/credit cards. The gentleman assured me that wouldnt be a problem, and that I had been approved. He advised that the promissory note coming would provide that information, as well, that until I signed and returned the promissory note, the loan was in a temporary approval. I received the promissory no te ( attached ) and the interest rate was wrong, and more importantly, no disability/death insurance was included. I immediately started calling Navy Federal to advise my concerns, and that I didnt w ant the loan. I was placed in someones voicemail, and assured that someone would call me back. I did NOT receive any calls regarding my complaint, and desire to void the loan. Each call was to advise that I missed the first payment, and wanted to know if I wanted to make arrangements for the payment. Each time I advised that the loan was INCORRECT, and I never agreed to the terms of the loan. Each time I was PROMISED the original loan agent would call, and to this day, Ive NEVER received a call from this individual. The only person who has at least attempted to resolve this issue has been a XXXX XXXX at XXXX . XXXX XXXX was able to provide the following dates that I called : XXXX XXXX , XXXX XXXX XXXX XXXX , and XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , and XXXX XXXX , and XXXX XXXX . I also have an email that I sent on XXXX XXXX XXXX , regarding the loan, that I never received any response. Im sure there are more calls, but I cant prove this. Additionally, Ive asked to have a copy of the recorded calls released to me, which Navy Federal has refused. Navy Federal has deduc ted and replaced funds from account on XXXX XXXX XXXX XXXX XXXX , and the lat est was XXXX XXXX which they are refusing to return. At this point, this loan should be voided, as well as removed from my credit report. Im not sure what can be done regarding compensation, but clearly this is all illegal. The only resolution they are offering is to place me in a voice mail where no one returns my calls. | ||||||
| 07/27/2018 | Yes |
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| Hello, I made a payment with XXXX XXXX on XX/XX/2018 for {$570.00}. I order 30 shirts with XXXX XXXX that I didn't received and no response from owner or company about my order or my requested refund after XX/XX/2018. I filed a dispute charge with my bank ( Navy Federal ) XX/XX/2018 and called weekly to check the status of my dispute charge and was told in the month of XXXX to only fax or send over a screen shot of the final payment of this order. I sent a screen shot of my final paid order from XXXX XXXX to Navy Federal ( emessages ) on XX/XX/2018 and wrote in the comments " Paid proof attachments for my dispute charge that is in place for XXXX XXXX. I can apply emails if needed as well. '' After sending this message I received a confirmation number XX/XX/2018. I continued to follow up with Navy Federal and was always told I may receive a provisional credit and to wait patiently because the process may take up to 90 days. Navy Federal stated to me that a provisional credit was listed on my bank statement XX/XX/2018 but to wait till the provisional credit says permanent. However, so I continued to do my weekly follow ups to check the status of the dispute charge in the top and mid part month of XXXX and was still being told its under investigation. On XX/XX/2018 I noticed my checking account falls into a negative balance of {$490.00}. I immediately call Navy Federal customer service and the call Rep states that they mailed out a letter requesting further information on this dispute charge but not all time is the letter going to say " Navy Federal, sometimes it may be a blank envelop. I explained to the Rep that I call on this dispute charge weekly and when I sent in my proof on XX/XX/2018 I listed in the comments that I can send in additional documents if needed but was told to wait patiently because my investigator had what he or she needed at the time. The Rep further states to me to re-send my screen shot and any other documents before the case is close. On XX/XX/2018 I sent over proof of the final payment I made with XXXX XXXX and all thread emails between XXXX XXXX and I. On XX/XX/2018 an unauthorized charge/transfer comes from my savings into my checking account of {$450.00}. Once again I called Navy Federal to find out why are funds coming out of my savings when I sent over proof that was asked from me and was told that it would be reverse. The call Rep this particularly day didn't have any answer for me because she told me that my investigator was not in at the moment and to wait patiently till my investigator review the case and follow back up with me. On XX/XX/2018 I set up a unauthorized charge/transfer as well for {$450.00} through Navy Federal ( emessages ) with additional documents and received an confirmation number the following day. - Dispute Charge : XX/XX/2018 for {$570.00} - Unauthorized Charge/Transfer : XX/XX/2018 for {$450.00} | ||||||
| 11/23/2022 | Yes |
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Web | Servicemember |
| Initially, a request was made to validate a debt that was on my credit report under compliant number # XXXX however, the company has created another profile and reported it under my credit profile in an attempt to falsify an official record and tradeline/credit account and potentially attempted to sale the tradeline or credit account as a new debt under an new account number XXXX. Several previous attempts we're made to resolve this matter. This accounts were apparently established in XXXX XXXX when I was XXXX in XXXX and XXXX XXXX It has continued too be reported on my credit report for the last XXXX years. I have sent registered mail asking to validate the debt through a final demand which stated, Final demand to immediately remove all illegalTradelines before legal actions proceed under 15 U.S.C. 1681-1681x. Registered mail was finally sent XXXX and XXXX on XXXX XX/XX/XXXX asking to Please remove from all three reporting agencies immediately. In addition, a formal request was made in the form of a formal letter -formally requesting that they validate all tradeline listings submitted to the three major credit reporting agencies by NAVY FEDERAL CR UNION for me under account numbers XXXX and that Due to possible inaccuracies in these credit reports, I demand that they hereby validate the request in the form of a verified statement by a person with original knowledge of the debt, who can testify under oath that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have beenpayable or reported. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. This is the third and final request to correct, any attempt to subrogate this letter or processes consults malice intent and will be reported as fraudulent and misleading. Within 30 days of this notice, ( no replies were given by competent person ) nor was there any answers to these demands or the associated negative tradelines notations removed from the credit reports. These actions are contraindicate evidence of their intent to abridge one or more civil rights. They have Continued unsubstantiated reporting of possible inaccuracies to third parties which now provide a basis for formal complaints being filed pursuant to federal statute. The time frame as elapsed and i have been adversely and financially impacted with false reporting of tradelines and believe this was also reported as a profit and loss tax deduction. Thank you in advance for your anticipated cooperation. The previous accounts numbers were XXXX and now it has been changed to a new account number XXXX that is completely fraudulent. | ||||||
| 03/11/2021 | Yes |
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| On XX/XX/2021 I deposited a check I earned from an employer. On XX/XX/XXXX the check deposit as was available on my account. On XX/XX/2021 that check was not a valid check and my account went negative and I was made aware of this until XX/XX/XXXX I I called the bank to see what was going on and I was told there was a letter in the mail from the security team stating they completed a thorough investigation and if I had any more questions to call Monday. I was also told on XX/XX/XXXX that I could send in any information to support my case. I then immediately sent in texts, a letter and the job site indeed screenshot of where I applied for the job. This brings us to my first complaint. If there was a thorough investigation done why was I the valued customer not included in this thorough investigation? On XX/XX/XXXX myself and my childrens income tax deposited and the check amount was automatically taken out, which was ok I understand they were still holding me accountable. However no one told me my debit card and anything related to my debit card was canceled. So brings me to my second complaint on XX/XX/2021. I spoke to XXXX and XXXX who explained the security team made their decision and I would need to request a escalation case management and would be returned a call 24 to 48 hours. During the hour call with both XXXX and XXXX no one made me aware nor did they insinuate my debit card was not usable. I understand the card belongs to the bank but the money in the account belongs to me and when was I going to be told this? I wasnt. On XX/XX/2021 around XXXX XXXX I had XXXX small children with me and as I went to make a purchase my debit card declined and when I called navy federal I spoke to XXXX who told me my card was canceled due to fraud claim I made. Ok this is fine if protocol when was someone going to tell me? I no gas in my car and had to walk about 3 miles with XXXX XXXX year olds. No one wants to take responsibility for anything and where is the support for the customer? On XX/XX/XXXX, I called and spoke to XXXX and XXXX and was told by XXXX I could not be assisted because I requested a escalation supervisor the day prior. Why was XXXX not privy to this information? XXXX tried her hardest to assist me and all she could say my card was blocked. Banking practices should be consistent when dealing with customers money. Im now closing this account and Im raged at that treatment. I feel powerless and as if I dont matter. Ive banked here almost 2 years have always had my money deposited from my employers. For me if some looked over my case I should have been notified by saying hey there is a fraud claim we dont believe you are a victim. This bank allowed my money to remain in their bank with no one contacting me so I could be aware. I shouldnt have to be made aware once Im attempting to use my card. Someone needs to take responsibility and revise. | ||||||
| 11/21/2023 | Yes |
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Web | Servicemember |
| I have used Navy Federal Credit Union ( NFCU ) on numerous occasions over the years to finance purchases. I have always had a very positive experience. In XXXX, I purchased a new vehicle, and NFCU was the lender he chose to finance the purchase. I continue to make all of the payments as agreed. About two months ago, NFCU reached out via mail to ask me to sign another original Promissory Note, Security Agreement, and Disclosure. Issue The issue on the electronic Promissory Note is that he was promised a rate of 4.79 % at application, and the electronic Promissory Note I signed incorrectly reflected the rate of 5.04 %. When I realized this error, I brought the mistake to NFCU 's attention, and the NFCU employee immediately corrected my online loan account. Then, NFCU sent out another original Promissory Note for me to sign. The main issue here is that I am being forced to sign two live Promissory Notes without either one being labelled as a substitute or a corrected agreement and without any documentation from NFCU that this additional Promissory Note is a substitute for the one I originally, electronically signed. Contact : I initiated at least two different calls to NFCU to try and straighten out why they wanted me to sign another original Promissory Note and Security Agreement versus a " Corrected or Substitute Promissory Note Agreement '' to prevent two live Promissory Notes ; I attached page XXXX of the electronically signed Promissory Note. I went to the XXXX XXXX XXXX XXXX in XXXX, XXXX on XX/XX/XXXX to explain that I only wanted it in writing that this new Promissory Note was a substitute for the original electronically signed Promissory Note. The Customer Service branch employee stated that NFCU could not provide that statement -- indicating that the new Promissory Note was being substituted for the original electronic Promissory Note. Threat : Furthermore, the Branch Customer Service person threatened that if I did not sign the additional Promissory Note within 90 days of the original Note date ( XX/XX/XXXX ) NFCU would increase the loan 's rate to 18.99 % -- I am assuming that NFCU would convert the loan to an unsecured loan, which the loan is not because NFCU has the original, electronically signed Promissory Note I signed the day he picked up his check to purchase the vehicle. Please Assist This mistake was not my mistake, and all I am trying to do is correct the error NFCU made without running the risk of two live Promissory Notes floating around NFCU 's vault or at the very least something in writing from NFCU that the second written Promissory Note will be substituted for the original electronic version. Additionally, this letter should indicate that upon receipt of the substitute Promissory Note that the original, electronically signed Promissory Note will be returned to my possession marked " VOID '' to avoid future issues. | ||||||
| 05/29/2017 | Yes |
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Web | Servicemember |
| myself, my wife and XXXX XXXX XXXX son checked into the XXXX XXXX XXXX in XXXX Kentucky on the first of XX/XX/XXXX and stayed until the morning of the XX/XX/XXXX. during our stay the maids would n't clean our room due to our son being in the room. one evening I went down stairs to get trash bags and I did n't let my room door slam because my son was sleeping, when I came back to the room I discovered that the door did n't latch although it looks if so it was. The morning of the XX/XX/XXXX at XXXX XXXX myself and my family checked out at the front desk and turned in out room keys. my wife did n't let the door slam to be respectful to the neighbors sleeping. after checking out my wife drove back home to South Carolina and I had to travel to XXXX for work. at XXXX XXXX I received a call from the Hotel saying I destroyed my room and that they have already charged my card {$900.00} for the TV in the room. I told them their 's no way I done that and to check the security cameras of me leaving and of the floor I was on. and they said that their was no camera on that floor and that they checked the room key logs of when the room was accessed and that it was n't accessed until the maids accessed it a XXXX or so. and they said TWO maids found it like that and that as soon as they found it they came and got the manager. the manager hung up on me and said he does n't care and if I want I can dispute it. and after I called back he said he knows how MY KIND are AKA the MILITARY, he said we always party and destroy rooms and that this is n't the first time its happened. he acted as if my wife and I partied with my XXXX XXXX XXXX son. but when I requested for the video footage of the room and of the security cameras of me checking out and of the room key log they said the manager would send it to me. I never received it and I contacted cooperate and they asked the hotel to give me what I requested but they still did n't. after returning from XXXX I went into the hotel and asked for the documentation again and the manager I spoke with said the GM is n't there and he 's the only one that can access that info. but when I first spoke with them on the phone the GM was n't there and they said that Two managers pulled the key log and everything. but they lied and did n't realize id be back and every time I 've talked to them their story is different. I seen the video of the room because it was on the managers computer and their was only ONE maid that was there and the trash and towels were still stacked up like we had left it and their was NO LIQUOR bottles or anything in my room. the beds had been pushed for the box spring and the tv was scratched. I asked him why would I stack my trash and towels if I was going to do that. he had no answer and said the GM would n't be back for a week or so. so I 've went and talked to a Lawyer and am trying to get this resolved. | ||||||
| 08/22/2021 | Yes |
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| On XX/XX/2021 I was made aware that checks that I wrote from my XXXX XXXX account on behalf of my non-profit organization, the XXXX XXXX XXXX, were stolen out of a blue postal service mail box in my neighborhood on XX/XX/XXXX, altered, and cashed for fraudulent amounts. While I have only ever written checks to Farmers Market vendors from that account for small amounts ranging from {$5.00} to {$150.00}, the following transactions were approved by Navy Federal Credit Union as they were deposited into accounts in that bank : check # XXXX to XXXX XXXX for {$900.00} check # XXXX to XXXX XXXX for {$950.00} check # XXXX to XXXX XXXX for {$950.00} It is very clear from the check images that my original signature was not used and that they were tampered with. I filed a police report with the XXXX Police ( report # XXXX ) and the police confirmed there have been many cases of this fraud happening and I was not a singular case. I also filed a report with the U.S. Postal Service Inspector General, and filled out a fraud/forgery investigation form with the bank. The Postal Inspector 's information is below : XXXX XXXX Postal Inspector - Mail Theft U.S. Postal Inspection Service Washington Division XXXX ( Desk ) I have asked about the status of having my stolen funding of {$2800.00} refunded back into my account so I can fund my farmers market operations, and XXXX keeps informing me that I need to have some further evidence of what the original amounts on the checks had been before Navy Federal Credit Union will reimburse XXXX, and then XXXX would reimburse me. I have told XXXX that my records show that I wrote the checks in alphabetical order ( 9 were stolen and only 3 were deposited ) and that would mean the original amounts and payees were as follows : XXXX 's XXXX - {$92.00} - XXXXXXXX XXXX XXXX XXXX - {$10.00} - XXXX XXXX XXXX XXXX XXXX - {$10.00} - XXXX All of vendors confirmed that they never got the checks I had originally mailed them. But Navy Federal Credit Union is telling XXXX I need more evidence, which I simply can not produce because I wrote the checks quickly and did not mark them in a check register. XXXX believes that NFCU is asking for " unreasonable evidence '', which means they want an image of the check before it was altered. Why would I have that? Do people regularly take pictures of checks before they put them in the mail? I need help pushing this forward in order to continue to fund my farmers market operations and it seems to be at a standstill where Navy Federal Credit Union does not want to pay for the fraudulent account that they held for XXXX XXXX XXXX XXXX ). I believe other evidence would be to look at all other checks I have written on behalf of the market to review handwriting as well as notes - I have never written a check for " Labor, '' for example, and XXXX XXXX XXXX XXXX XXXX is not employed by the XXXX XXXX XXXX. | ||||||
| 07/14/2015 | Yes |
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| On XXXX XXXX, 2015 I received a letter addressed to me stating that my Navy Federal Credit Union ( NFCU ) account was restricted due to transaction activity conducted on my personal account and that the activity conducted does not fall in line with NFCU 's underlying acceptance of risk. The letter instructed me to proceed to the nearest branch to withdraw all funds and close the accounts. I in turn went to a local NFCU branch in XXXX, VA on Thursday, XXXX XXXX to withdrawl all funds and close my accounts. However, upon arriving and speaking with a representative, I was told that my account was locked and even she could not withdraw the funds due to my account being under investigation. The branch had me speak to a security specialist, whom directed me to call her back the following Friday, XXXX XXXX to check the status of my account. I in turn called the security specialist on Friday, XXXX XXXX. She told me that there was a letter in the mail to me and to await the receipt of the letter. On Monday, XXXX XXXX, I received a XXXX letter from NFCU dated XXXX XXXX, 2015. This letter stated that after NFCU reviewed their records, it has been determined that the activity conducted on my personal account does not fall within their underlying acceptance of risk and for that reason, my personal account will remain restricted from use indefinitely and that I am to visit my nearest branch to withdraw all funds and close the accounts. On Monday, XXXX XXXX, I again visited a local branch in XXXX, XXXX After waiting for over an hour with my wife and newborn child, I was again told by the branch representative that the account was still locked and she was unable to withdraw the funds and close my account until the account was unlocked. She in turn called the security specialist whom was unaware of the signed letter sent to me dated XXXX XXXX, instructing me to visit the branch and withdraw my funds and close out my account. The security specialist then told the branch representative to fax her a copy of XXXX the letters I received, in addition to a letter written by me requesting to withdraw all funds and to close my account. The latter was not a requirement of either letters I received, but I sat there and did as I was requested and hand wrote the letter, signing and dating it. All in all, I have no issue with NFCU wishing to close my account, but I do take issue with the fact that they have sent me not XXXX, but XXXX signed letters from their Senior Vice President of Security Department, instructing me to visit my local branch to withdraw all of my funds and to close my account. I have wasted too much time with this matter and have done what has been asked of me. They are withholding funds that are legally mine which they 've instructed to permit me to withdraw. I do not know what to do, but this institution clearly does not know what it is doing. | ||||||
| 04/15/2019 | Yes |
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| I filed a credit card billing dispute through Navy Federal Credit Union 's ( NFCU ) billing dispute system on XX/XX/2019. I submitted documents related to the dispute on the same day through secure messaging on their website and also by fax. I received a secure message from NFCU on XX/XX/2019 confirming that they had " received '' and are " reviewing '' the documents. I subsequently received a letter through regular mail from them, asking me to contact them to answer whether or not I attempted to resolve the dispute with the merchant prior to filing the dispute with NFCU. I called NFCU the same day, and I confirmed to the representative I spoke with that I did indeed attempt to resolve the dispute with the merchant prior to filing the claim. She then told me to disregard the mailed letter and to expect a follow-up letter containing the results of my dispute. After receiving no such letter, I called NFCU and asked for the dispute results. The representative told me that my billing correction request was denied without offering an explanation. I then asked to speak with a supervisor. After a lengthy hold, I spoke with the supervisor. She denied that NFCU had received the dispute-documents. After explaining to her that I had received written communication that the documents I submitted were properly received, she asked me to send them again. I sent them again by secure messaging through NFCU 's website. She then said that she did not receive them. I sent the documents again, and again she denied receiving them. I sent them another time. This time, she confirmed receipt but immediately claimed that I had no right to recover the payment. She assumed that I was saying I was unhappy with the results of the Mediation, and that is why I want my money back. I said no such thing, nor did I intimate anything like that. I want my money back because the attorney violated the retainer agreement : ( 1 ) She refused to continue work on the Mediation without extra payments from me despite our written and verbal agreement of a {$2000.00} fixed fee for the Mediation. ( 2 ) She refused to file the petition that was offered and accepted during the Mediation unless paid more money. ( 3 ) She ceased work immediately without providing the 10-day notice required by the terms of the retainer agreement/contract. I explained this to the NFCU supervisor but I don't think she understood the situation. I told her that I would be sending a formal Fair Credit Billing Act letter. I mailed the letter to the " Billing Inquiries '' address through the United States Postal Service on XX/XX/2019. After more than 30 days had passed without NFCU confirming receipt of the letter, I sent NFCU a secure message through their website on XX/XX/2019. As of XX/XX/2019, they have not replied to my secure message, nor have them confirmed receipt of my Fair Credit Billing Act letter. | ||||||
| 04/02/2021 | Yes |
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| XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of XXXX XXXX XXXX XXXX. I received the attached collection letter on XX/XX/XXXX, from this, XXXX XXXX XXXX XXXX, claiming that they are collecting on an alleged debt that they are claiming to have acquired from Navy Federal Credit Union. They are claiming that I owe an alleged debt in the amount of {$3900.00}, and I want to make it clear to XXXX XXXX XXXX XXXX, that I dont owe them, nor do I owe Navy Federal Credit Union this alleged amount of {$3900.00}. I had questioned the balances many times on the card that I had been paying Navy Federal for, years ago, and I could never get adequate nor accurate answers. In XXXX I did have a Navy Federal credit card account, and I feel that Navy Federal deceived me with the rates, and charges that were being charged onto the account. Years ago I had contacted Navy Federal many times through their online account messaging center, as well as by telephone calls to them, inquiring about the rates, and charges that were being charged to the account. Many times I had made requests to Navy Federal for a reduction in interest rate on the account that I had, had, because the balance was going up drastically due to their usury charges, and fees. I had also requested if they would transfer the account to a lower interest credit card account that they offered, and each time my request was unanswered, or I had to resubmit my message through the message center, and their answer always came back as a NO. I have had no dealings with Navy Federal Credit Union since XXXX, and they have been placing false status dates, and information onto my credit files, making it seem as though I have an account that I have been using as of present XXXX, and that is false, fraudulent information, they are doing this so as to destroy my credit. This collection agency XXXX XXXX XXXX, has never contacted me to verify if I knew of, or to find out if I even owed this alleged debt, yet even prior to my receiving the attached letter from them on XX/XX/XXXX, they had been making annoying telephone calls. I am disputing this debt, and I want XXXX XXXX XXXX XXXX to remove any and all derogatory false fraudulent information that they have placed onto my credit files, and I am requesting that Navy Federal Credit Union do the same. I have had no dealings with Navy Federal Credit Union since XXXX, and it is wrong of them to place false status dates, and information onto my credit files, and I want it all removed. If there is an account with a balance due in the amount of {$3900.00}, Navy Federal has run that up themselves with their usury interest, charges, and fees. Then they pass on false information to the credit bureaus and collection agency without any notice. | ||||||
| 07/28/2019 | Yes |
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Web | Servicemember |
| NAVY FEDERAL IS A CURRUPTION INSTITION THAT CALLED MY JOB NUMEROUS TIMES. THEY CUT OFF MY DEBIT AND CREDIT CARD NUMEROUS TIMES. THEY ARE IN VIOLATION OF THE SAILORS AND SOLDIERS ACT SAYING I OWE MONEY THAT I DONT. I HAD A SECUR3D CREDIT CARD AND THEY SAY I HAVE A BALANCE. HOW IS THIS EVEN POSSIBLE. THIS BANK IS XXXX AND HAS A DISTAIN FOR ALL XXXX PEOPLE. Falsely threatened legal action and wage garnishment : The credit union sent letters to members threatening to take legal action unless they made a payment. But in reality, it seldom took any such actions. The CFPB found that the credit unions message to consumers of pay or be sued was inaccurate about 97 percent of the time, even among consumers who did not make a payment in response to the letters. The credit unions representatives also called members with similar verbal threats of legal action. And the credit union threatened to garnish wages when it had no intention or authority to do so. Falsely threatened to contact commanding officers to pressure servicemembers to repay : The credit union sent letters to dozens of servicemembers threatening that the credit union would contact their commanding officers if they did not promptly make a payment. The credit unions representatives also communicated these threats by telephone. For members of the military, consumer credit problems can result in disciplinary proceedings or lead to revocation of a security clearance. The credit union was not authorized and did not intend to contact the servicemembers chains of command about the debts it was attempting to collect. Misrepresented credit consequences of falling behind on a loan : The credit union sent about XXXX letters to members misrepresenting the credit consequences of falling behind on a Navy Federal Credit Union loan. Many of the letters said that consumers would find it difficult, if not impossible to obtain additional credit because they were behind on their loan. But the credit union had no basis for that claim, as it did not review consumer credit files before sending the letters. The credit union also misrepresented its influence on a consumers credit rating, implying that it could raise or lower the rating or affect a consumers access to credit. As a furnisher, the credit union could supply information to the credit reporting companies but it could not determine a consumers credit score. Illegally froze members access to their accounts : The credit union froze electronic account access and disabled electronic services for about XXXX accounts after consumers became delinquent on a Navy Federal Credit Union credit product. This meant delinquency on a loan could shut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts. | ||||||
| 03/17/2020 | Yes |
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Web | Servicemember |
| On XX/XX/2020 @ approximately XXXX I spoke with NFCU Loan Specialist, XXXX , and applied for a VA IRRRL . XXXX gave me rate of 2.875 % with 1/4 % drop down reduction if interest rates dropped with zero points and zero origination fees. XXXX said a loan officer would be assigned within 24-48 hours, and that I would, per Maryland Law, receive the loan estimate within 72 hours. After 48 hours passed and no Loan Officer assigned, I called and spoke with XXXX, who said NFCU was working on the paperwork and loan officer and loan estimate would be completed by Friday morning ( XX/XX/2020 ). Friday morning nothing had changed, so I called NFCU again and I spoke to XXXX who claimed that they were too busy and that " Maryland law didn't apply because they were so busy ''. I then requested to speak to a Manager and I spoke to XXXX, who said he was aware of the Maryland 72 hour law requirement and claimed the issue was because NFCU had to manually process my application but couldn't give *any* explanation for why. He then said he hoped they would have the loan estimate to me by Friday afternoon. It did not arrive. I've sent multiple emails to the email address for NFCU mortgage. They have punted and have offered no solution. Today, Monday, XX/XX/2020, I called again. I first spoke to XXXX, who said she was going to note my concern including my having spoken to the Maryland AGs office, who I am also going to file a complaint with as well as the XXXX, and then transferred me to her Manager, XXXX, who essentially repeated what XXXX, XXXX, XXXX, and XXXX said. NO ONE at NFCU seems to have any idea what they are going. It appears NFCU is engaged in a a bait and switch tactics to get Veterans to apply for IRRRLs, offer a rate but let the 72 hours loan estimate requirement pass so they can then claim the rate is no longer an option. My last two calls with NFCU of them acknowledging the rate I was offered is recorded, both by me and them. I am cc : ing the Maryland Attorney General 's Office of Consumer Protection and the XXXX XXXX XXXX. NFCU was/is required my State of Maryland Law to provide me with a loan estimate with the rates and terms I was offered ... 2.875 % with 1/4 % drop down reduction if rates dropped with zero points and zero origination fees. They must honor those terms and provide loan estimate and process my IRRRL Loan accordingly. I do not have credit issues. My scores are in upper 700s-low 800s. I uploaded all required documents within minutes of after hanging up with XXXX to ensure everything was submitted before Loan Officer was assigned. NFCUs unwillingness to address the issue/provide the loan estimate and it now being nearly 7 days since I applied for the loan and no explanation of any kind of why they haven't provided the loan estimate is why I believe they are engaged in bait and switch tactics. | ||||||
| 08/16/2018 | Yes |
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Web | Servicemember |
| I have attempted multiple times to address this error with Navy Federal Credit Union ( NFCU ). They are now in multiple violations of the Fair Credit Reporting Act ( FCRA ). NFCU needs to delete this innacurate information from all 3 of my credit reports immediately. I have a settlement agreement with NFCU entered on XXXX XX/XX/2018. I have attached a letter to prove this. This letter summarizes that I have made timely payments in accordance with our agreement. I have made three payments thus far. Initial balance with them was only {$19000.00}. They continue to report inaccurate information such as the following on my 3 credit reports : " charge off '', " no payments '', " late payments '', " balance due of {$26000.00} '', " placed as bad debt '', " placed for collection '', " collections '', collections and skip '', " charge off '', and more, on all 3 of my credit reports. I have a sample attached from my XXXX report for verification. I have made 3 timely payments of {$320.00} a month, and my balance owed is now only {$18000.00}. FCRA Violations : # 1 : " Reporting a debt as charged off when it was settled '' # 2 : Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. Lastly, each time I have tried to dispute this matter and have it updated, these accounts have been negatively " re-aged '' .... # 3 : Re-aging a debt, credit card or other past due accounts resets the collection limitations clock and may give collectors and creditors a fresh start. Creditors DO NOT have to re-age past due accounts, but when they do without your permission or payment, their actions is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if the re-aging constitutes false information furnished or transmitted to a credit reporting agency. Re-aged debts restarts a statute of limitations on collections and is not legal. Please assist me and remove this immediately from all 3 of my credit reports. It has now harmed me financially by not being able to qualify for a Veterans Affairs Mortgage, even though I am a XXXX XXXX XXXXXXXX Veteran. The additional amount of money in rent I will now have to pay over the amount of VA loan mortgage will total over {$180000.00}. During the lifetime of a 30 year loan, even though I have attemtpted to do the right thing in fairly resolving this debt with NFCU, this is devastating news. | ||||||
| 08/11/2023 | Yes |
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| According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Navy Federal CR Union is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navy Federal CR Union the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Navy Federal CR Union whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Navy Federal CR Union Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. | ||||||
| 03/21/2017 | Yes |
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Web | Servicemember |
| I took out 2nd mortgage on home since the home was a foreclosed home for repairs for property the house was used as collateral. The foreclosure took place XX/XX/XXXX, I attempted rent and sell property but the property was foreclosed with first lien holder XXXX. However, prior to foreclosure both mortgage companies were communicating and the last I heard Navy Federal Credit union was offer a settlement. The house was foreclosed and I did n't hear. Over 5 years had past and I attempted apply for a mortgage loan in XX/XX/XXXX. I was told in XX/XX/XXXX Navy federal Credit union reported a current Past due balance of a loan of {$28000.00} on credit report. I called a few times and left voicemail messages asking for a call back. I finally went in-person to corporate office on XX/XX/XXXX XXXX, VA. I ask to speak with a manager in the mortgage Dept. I was told I could n't speak without a appointment. I refused to leave and finally a representative got someone in mortgage on the phone they stated they were in charge credit reporting I told them the property was foreclosed and they were reporting a current Past due balance for mortgage that I no longer have property. They stated, no way they were reporting that information. I left my foreclosed documents as proof the property was foreclosed. I was told to fax over credit report that shows the inaccurate reporting information. I asked if a manager could call me once complete. 2 weeks passed and I did n't receive a phone call, I called finally got a hold XXXX XXXX in charge of collections he ask if I would like pay the account I informed him the property was foreclosed in XX/XX/XXXX what happen I was told they did n't accept the offer. Hey was very rude, I told him I was a XXXX XXXX Veteran and to check all Credit I held in the past. I have paid off all accounts I credit cards, car loans, business loans with Navy federal and this account was foreclosed property where property was used as collateral I was told that does n't matter. On XX/XX/XXXX I heard from representative that stated she was XXXX XXXX a manager and she was responding to a complaint from the Better Business Bureau and she stated the behavior of the Collection account manager will be address and I will receive a letter in few days and the situation will be take care of she fully apologize again. After not receiving any correspondence or calls I reached out her today XX/XX/XXXX and finally spoke with her today and she seem sort of confused about sending a letter and what the letter was to address. She stated, she would have transfer me back the collection manager and stated they did nothing wrong. I am confused and meantime my credit is suffering for something that happened in my past. Does n't the credit history with Navy federal make a difference? Does n't being a Navy Federal Veteran make difference? | ||||||
| 05/04/2017 | Yes |
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Web | Older American, Servicemember |
| In XXXX XXXX , my husband and I, both opened an account with Navy Federal Credit Union in XXXX XXXX Kentucky. We moved to Florida in XXXX . I 'm XXXX and on a fixed income, and my XXXX XXXX check went into my account, and my husband added me on his account so I could pay bills out of his account, where his military XXXX and XXXX XXXX funds are direct deposited. My account went into overdraft, and was closed one year later, in XXXX XXXX . I went on an agreement to pay {$50.00} a month until the {$480.00} was paid off on my closed account. My Atm Card for that account was deactivated. Fast forward to XXXX XXXX , XXXX , my ATM Card for my joint account with my husband is deactivated. I ca n't get cash out from no Atm. I go XXXX miles to the only branch to get a replacement card, and was refused a card. I was never notified that the agreement I made in XXXX XXXX , the {$50.00} for my closed account was never received. Never notified, I thought it had been settled. I was told at the branch, No it has n't been settled and that 's why my atm card had been deactivated. No, it will not be reactivated until I pay off the overdraft on my closed account. I could n't understand, what that account had to do with the joint account. I came home, and called the banking facility customer service number, and again they tell me the same thing. They would issue me another atm card to the joint account after I pay off the closed account. I got upset, and asked to speak to a Supervisor. The Supervisor was a little XXXX with her position, and told me you have a closed checking account, and you opened a checking and savings account with {$5.00} and you never put anything in the savings account, and we will not issue you another card until your debit is paid off. For the life of me, I could not understand what the closed account had to do with the joint account. When was it wrote, that you are supposed to save money in a savings account. The savings account was their stipulation to open an account, and all of our Direct Deposits XXXX of them went into the joint account, after my checking account was closed. I do n't know if I 'm being discriminated against because of my race, or because of my class. I 'm not wealthy, and yes we struggle to pay our bills, but I ca n't pay the bills we do have, if I 'm denied access to the funds, the only branch is XXXX miles away. That 's what they told me, you can always go to the branch to make withdrawals. They act as if they do n't want my business. I do n't want to close this account that we do have, because our rent, medical, and food come out of this account, and we are trying to buy a home, and we have had this account since XXXX XXXX . Do n't want to change now. I will not be buying a home thru them, plus they turned us down on a car loan too. | ||||||
| 07/23/2021 | Yes |
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Web | Servicemember |
| I filed my claim to be reviewed again claim number XXXX after it was denied. I deposited XXXX on XXXX XXXX in an atm in XXXX, Texas and the atm advised me that I can only deposit XXXX bills at a time and asked if I wanted to continue or take out all the cash. I press continue and the atm only deposited XXXX out of my XXXX and did not give me back the rest of my cash. My money should be protected with navy federal. I am also requesting for this video to be reviewed. This is not fair to me as a customer. This was an error with navy federal Then on XX/XX/2021 I asked for another case to be reviewed case XXXX. I spoke with a representative today and was told my case was denied because transactions were chip verified. When I made the claim i was told if a transaction was suspious I am to file the transactions that did not belong to me. For example my claimed was denied for the XXXX transaction that was made back t back to the same location with a different passenger and phone number that did not belong to me. I do not feel that it was fair to deny the whole claim. I also advised the representative the card was on my possession however at the time I was not aware that the person I rented a room in my home was taking my card and putting it back in my purse. I recently found my credit card statements in her possession and I am currently reporting this to law enforcement. We share a common area and I did not notice this at the time when making the claim, I did not know this claim would be denied. This is not fair to me at all because my card was stolen and fraud was done in my name. I am also noticing that this person has purchased things to copy my personal documents and made a copy of my Identification. After confronting this thief she has not returned to my home. I am going through identity theft and stolen possessions. I did was I was told by your banking representative and turned my card in to the bank in XXXX, Tx. Again please reopen this case and look further into my claim. I did not deserve this and identity theft is hard to prove. I did not want to lie and say my card was stolen when anytime I went to use my card it was back in my possession. It is hard to accuse someone of something without proof. I did not even get a message from you, I had to call multiple times to find out the status of my case and no one reached out to me for more information nor have I received any communication from you. It is not fair to deny something without even reaching out to me, this would of helped me and I would of provided more information to you. I do not like how this case was processed. I have went through this claim process before and to be honest I am very disappointed in this credit union. I was not notified my claim was being denied. Reach out to your customers before denying a claim because I am being defrauded | ||||||
| 12/27/2021 | Yes |
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| I have tried to be a responsible consumer when it comes to Navy Federal Credit Union. I started with this CU back in XXXX. In XXXX a couple of things happen we lost income in my household due to my husband losing his job and me being diagnosed with XXXX XXXX. At the time I had a checking, savings, XXXX credit cards and a car loan with Navy Federal. My husband took his unemployment checks and paid the {$520.00} car note and I defaulted with the credit card payments by a couple of months. You'll think that they'll consider a life threatening illness as away to give options to assist me, but instead I got hit with 60 days past due on 1 card and 90 days past due on another card. I called and they deferred the interest rate on the cards to assist me, mind you I requested that the 60 and 90 days late be reconsidered since I've been a good client with them never late on the car payment and because I was battling XXXX. The rep stated that we report what's right and unfortunately we can't remove the late payment. What a bunch of BS my background is banking and I worked at XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX and they took care of their clients. Anywho after that got back on track never had a late or missed payment since then and it's going on 4 years. They talk about reporting accurate things. I will upload my credit report where it shows that it's reporting different late payments to different bureaus, in which according to the FCRA is in violation and this accounts should be removed immediately. Well it brings me to my complaint today. I called Navy Federal today again trying to be a responsible consumer to let them now I'll be unemployed on XX/XX/XXXX due to XXXX and the business shutting down. I spoke to XXXX in the settlement department and she told me in order for Navy Federal to offer me a settlement on my XXXX credit cards that I must be delinquent. I explained to her that the cards are closed, however when you go on their site it's telling me I have an available balance to use. Mind you I called on Friday XX/XX/XXXX and spoke to another rep that stated that she don't know why it says that, because it's " wrong '' and that the settlement department would be able to assist me but since it was XXXX XXXX that it was closed. XXXX went on to tell me depending on how delinquent the account are that's how they go about how much they'll settle for. In which I ask for literature with that info but I guess that went right over her head. To add salt to injury if my minimum payment is {$88.00}, {$64.00} is interest, in which means only {$23.00} is going towards the principal with a balance of XXXX. This would never be paid off. Last but not least the last payment that they're reporting is XX/XX/XXXX on my credit reports for one of the cards.These credit reports were from XXXX XXXX and XXXX XXXX XXXX. | ||||||
| 03/10/2022 | Yes |
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| In early 2021 ( XXXX or XXXX ) I contacted navy federal trying to settle and receive information about a debt they claim I owe them. They told me the debt was charged off and that Navy Federal is no longer handling the debt and said that I could no longer pay Navy Federal for it. Via telephone on their recorded line They provided me the number to a collection agency and told me to call them to handle the debt. I did and couldn't reach anyone but left messages. I received a letter from XXXX XXXX XXXX asking for payment of debt on behalf of Navy Federal Credit Union. I responded and asked that they verify and validate the debt, which they had 30 days to do so, they sent me the same letter in the mail along with a few blank pages but nothing validating the debt in XX/XX/2021. They never validated the debt on behalf of their client Navy Federal and they both never contacted me again, navy federal said it was due to a " cease and desist letter '' that I sent XXXX XXXX, which was a formal complaint against the company for reporting falsely without validating the debt on behalf of Navy Federal. I still sent letters every month to XXXX XXXX who Navy Federal referred me to, their representation, asking them to validate the debt XXXX XXXX XXXX and they never responded them or their client. I attempted to report the collection agency with the CFPB, complaint number XXXX are claiming that they gave it back to Navy federal in XX/XX/2021 but that was the month they tried to validate the debt with the letter and blank pages and I responded XX/XX/XXXX demanding that they delete the information according to the law. By law they are required to verify the debt or promptly delete it. Navy Federal referred me to XXXX XXXX to handle this debt and XXXX XXXX failed to properly validate the debt within the 30 day time period for their client. It legally has to be removed. I tried to settle this with navy federal directly over a year ago and the referred me to their representation. This is defamation and Navy Federal should be held accountable, I should not have to go through the entire disputing process again directly through them because when I attempted to in 2021 they told me they will not be handling it and directed me to their representation and I spent over 6 months trying to get them to properly validate the debt and because XXXX XXXX, Navy Federal 's Representation/an extension of them couldn't properly validate it within the allotted time frame I now still have to go through navy federal ? They refused to handle my debt directly and I exercise my rights according to the FCRA and they couldn't validate the debt but refused to delete it after all this time they get to say now you have to directly through us even though XXXX XXXX XXXX was working for navy federal to settle the debt? please do something about this. | ||||||
| 09/06/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023, I contacted Navy Federal Credit Union after receiving a notification that {$1900.00} had been transferred out of a joint account with my son. I was told that someone had compromised my sons account and submitted multiple fraud claims ( online ) for legitimate debit card transactions and as a result Navy Federal gave a temporary adjustment credit for {$1800.00}. So, not only did Navy Federal allow the fraudulent activity, they then allowed continued fraudulent activity when those funds plus the {$130.00} already in the account to be immediately transferred out to another Navy Federal member account. I told them that this was all fraudulent activity and asked why wouldnt they have flagged this as suspicious activity? The compromised accounts were closed and new accounts opened. My son set up a new username and password and we were told that we would have to call back once the transfer fraudulent activity hard posted to file a claim. Navy Federal then reversed the credit they gave in the original fraudulent act and made the account negative those amounts. We called in to ask why this was done and were told that we requested it. That is not true. We called to report that the activity they allowed was fraudulent and then the transfer was fraudulent. On XX/XX/2023 when the transfer hard posted, we called back to report the fraud. We were told the investigation could take up to 10 business days. The account was not provided a temporary credit pending the results of the investigation. At this point, Navy Federal allowed the original fraudulent activity for the crooks to receive enough money to steal, then reversed the credit after we reported that this was fraudulent activity. This made the account negative - {$1700.00}. On XX/XX/2023, Navy Federal removed {$1000.00} from my personal savings to this account, but still has not provided a temporary adjustment during the investigation and has not responded and it has now been longer than 10 business days. A total of {$3400.00} is owed by Navy Federal. {$1900.00} they allowed to be transferred out of the account and {$1000.00} that they stole from my personal savings account without my permission, and my sons XXXX XXXX benefit received XX/XX/2023 in the amount of {$460.00}. As of today, XX/XX/2023, I have not received any communication from Navy Federal other than they had the right to transfer the money from my savings to my sons account because it was negative. They are the reason the account is negative and they are the reason its taken this long to resolve. The website states that a temporary credit is issued pending the results of an investigation when an account has been compromised and fraud reported. We did all the right things in reporting the fraudulent activity and are paying the price for Navy Federals lack of security measures. | ||||||
| 10/28/2016 | Yes |
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| So a few months ago, I had all my major banking done with XXXX XXXX. This included a checking account, XXXX savings, and a credit card. About a year ago, I opened an account with Navy Federal, the bank that I now use for all my banking needs. First, I only had a checkings and savings account with them. After I inquired about what interest rate Navy Federal could give me on a credit card, I was told I had an offer for a credit card with only 11 % APR, rewards, but most importantly, 0 % Interest on Balance Transfers for 15 months. I jumped on the promotion due to the fact that I had an almost {$1000.00} balance on my XXXX credit card. Now my complaint stems from the fact that after I completed my balance transfer a month and a half after getting my Navy federal credit card, I noticed a {$7.00} interest fee from the balance transfer. I called NFCU and I was told it was a mistake and that they did see my account has the offer for the 0 % interest on balance transfers for 15 months. They said it would take a week or two to fix and they apologized. At this point, I thought I fixed the problem ; however, I never got a refund and then I got another almost {$7.00} fee again this month for the same thing. Today, I went into a branch location to get my rent check and Then I sat with a banker to try to fix this problem for the second time. The banker called some number that told her there was a note from back office regarding my first interest fee of {$7.00}. The back office said I had a 10 day activation period listed in my disclosure form, and because I did n't do the balance transfer within those 10 days, the promotion no longer applied to me. This is ridiculous. I opened the credit card inside of a branch because of the promotion. The teller who assisted me SHOULD HAVE informed me that I needed to do the balance transfer immediately to avoid interest fees. Now, I 'm stuck with not just regret, but anger that a credit union is n't requiring their employees to disclose this information. Not only that, now I 'm stuck paying interest for something I could have avoided altogether. I called Navy Federal after leaving the branch today, spoke to a supervisor in the credit card department, and was basically given XXXX options. Do I want them to have the branch supervisor or manager talk to their employee, which I know definitely needs to happen, and/or do I want a new credit card without rewards that might give me a slightly better interest rate. There needs to be a third option : Have the branch manager speak to their employee about the importance of disclosing this information AND have the back office re-activate my 0 % interest for 15 months. I never thought I would say this about a credit union, let alone Navy Federal, but I feel deceived, cheated, and I definitely do not feel like a valued shareholder. | ||||||
| 01/12/2018 | Yes |
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Web | Servicemember |
| On my credit Report, Navy Federal Credit has 3 separate reporting on each of the credit bureaus claiming that I owe them money. as follows : Car loan XXXX balance owed XXXX Checking line of credit : Balanced owed XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX Credit however, stated credit card was switch in XXXX XXXX to a low interest credit card resulting in closing the credit card. However would not give me exact dates I have requested multiple times for debt validation from the company and refuses to provide Hard copies of the agreements, Complete agreement or information showing that I agreed for them to close my credit card account and switch it to a low interest payment when I was never late. When I have attempted to make contact, they informed me that They could not provide me with original agreements, they do not have exact dates in the system of change over, could not tell me the interest on my credit card, car note and that they were not required to provide this information to me. Since My credit report has been affected by this and is constantly changing my report, I requested validation and never have been provided with documentation. They just keep trying to get me to agree to making payment on my account when I stated That I do not believe I owe an I want to know exactly where they are getting payment information from, what contracts they have proving I opened theses accounts and agreed for my credit card to be shut off and to a low interest payment. When I asked again for verification after they updated my report and changed the number again and asked them how are they able to do this, they stated when you dispute all we have to do is give the credit reporting agency you information and a balance. The agent also said we do n't have anything in our systems because it is too old. And when I asked why is information different on every report he said if I agree to a payment play the balance can be corrected and reports will update to reflect payment plan. When I refused and asked to speak to a manager he hung hung up. I also have asked several time to verify that my address. Navy Federal is purposefully damaging my credit since I began disputing, changing account numbers, reporting balance as XXXX once month then changing it the following month which keeps drastically changing credit report and Is causing me to be declined for everything. The also have been reporting to my credit that I am late every month when I have not used these accounts since XXXX and requested for my payments to be held per my insurance due to daughter being born XXXX XXXX and on Medical leave of absence. If you look through all of the attachments, You will see the different balances reported, amounts due, account numbers, and how every month something was reporting differently. This should be illegal. | ||||||
| 11/25/2018 | Yes |
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| On XX/XX/2018, I was paid with a Fraudulent check for the amount of {$2900.00}, the individual that issued me the check, asked that I let them know after I deposited, I contacted my bank on XX/XX/2018, and asked them if there was a way this individual could take my bank information by me depositing his check, the customer service banker, asked me if the person was asking for a fee or any type of money, no he did not, was very picky about the cleaning services, I explained to her that the only information the customer has about me is my full name and address, she stated I have nothing to worry about, as long as I did not give him any bank or socials, dob, etc I was fine, so XXXX XXXX I deposited the Check, my funds were available the next business day, I was so excited and began paying my bills, on Monday XX/XX/2018 morning, I check my account and it has been frozen, I contact the bank, and the customer service banker tells me that the Check is not validated, it's fraudulent, I felt so confused, upset, and I asked her what could I do?? The customer representative informed me that I would need to contact the local law officials, but that my account would remain frozen until {$1400.00}, was paid in full. I contacted XXXX County Sheriffs Department and filed a report, the Filing Officer stated the report would take 7 to 10 Business Days, I contacted my bank to give them the Case # and informed them of the wait, the customer service after hours gentleman was very nice, and noted my account. On XXXX I went down to pick up the Police report at XXXX XXXX XXXX XXXX XXXX XXXX, Texas, and the report was still not ready and stated I could email them and they would email me the report. I contacted my bank to give them an update, the customer service banker was very firm and stern, and informed me that my bank account would be closing in a few days and that I would need to get it paid, I went in to the branch to give them an update in person and to find out why I would be closed in a few days, and if I could make some type of arrangements because I need my bank account for a need to pay my bills, but can not afford to pay the lump sum, as she was looking into my account, she seemed standoffish and distant, sitting with her body position towards the doors and hands on her knees, ready to walk me out, i asked her about my account closing in a few days, she stated she did not see anything, as she reluctantly signed back on her computer, she nodded her head and stated there was nothing about my account closing in a few days, and there was nothing more she could do as she began to rise from her chair, I have always been treated well at the branch and on the phone with Customer Service, but this day I got the cold stern, no payment arrangment final. I feel, like the bank is treating me like fault party. | ||||||
| 11/16/2022 | Yes |
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| I currently am paying a loan on a XXXX XXXX XXXX XXXX initially financed through XXXX XXXX, started in like XXXX. I refinanced the vehicle with Navy Federal Credit Union in XXXX. On my consumer credit report I am being rejected for financing for my business and personal self due to inaccurate information reported. While I have disputed it multiple times it has been to no avail. The timeframe being reported by XXXX XXXX as late payments are inaccurate as they received a check in hand in person at a XXXXXXXX XXXX location as instructed paying the vehicle in full and were to release the title and or lien to Navy Federal Credit Union. While I initially got a low rate for my vehicle with NFCU for monthly payments that rate quickly skyrocketed because NFCU did not have the tile ot lien to vehicle which XXXX XXXX keeps alleging they sent directly to XXXX XXXX. Ive tried numerous times with failed attempts to resolve this and have continued to faithfully pay off my loan however why am I paying on a vehicle in which both companies are saying they do not hold title nor lien for? My finance charges increased because of it. I'd like this matter fixed and some type of resolution for this issue. My consumer credit report has taken hard hits due to the negative reporting and it even caused me to lose out on thousands because initially NFCU approved me with a pre approval check for a work vehicle that they quickly rescinded while I was in the dealership signing contracts for it. My consumer rights I am sure are being violated in more ways than one by one or both of these banking institutions and I have decided to take this matter up a level in hopes to resolve it. I hope to hear back soon. My vehicle was over XXXX when loan started with XXXX it was at about XXXX plus when refinanced with NFCU it is now paid down to about XXXX and yet no title or lien it also caused me to have to pay way more money when going to dealership to get vehicle sticker as both companies deny having title to vehicle. While NFCU is receiving payments as lien holder I have no documentation in support and am being charged more over a missing title which was to be exchanged between the two banks. I have neither missed any payments nor been late on any payments and to have such negative activity reported has caused my family and I great loss as a consumer. Of course the check proof would be perfect evidence of the time chase recieved it from me as payment from NFCU and an actual title on hand would be all the evidence all parties need for resolve but none can be provided. I also reached out to chase several more times on recorded line where they had other issues on my credit with errors that they had since corrected and then this one pops up years later and they refuse to properly investigate it or provide supporting proof. | ||||||
| 07/22/2023 | Yes |
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| Subject : Dispute of Unauthorized ATM Withdrawal Dear Sir/Madam, I am writing to dispute an unauthorized ATM withdrawal from my account that occurred on [ XX/XX/2023 ]. The transaction in question amounted to {$700.00}, and I have reason to believe that it was conducted without my knowledge or consent. I kindly request your immediate attention to this matter. Account Details : Account Holder Name : [ XXXX XXXX ] Date of Unauthorized Transaction : [ XX/XX/2023 ] Transaction Amount : {$700.00} I have carefully reviewed my account activity and found no evidence of any legitimate transactions or authorization for the aforementioned withdrawal. I have taken the following steps to ensure the security of my account : XXXX. Changed my account password and enabled two-factor authentication. XXXX. Contacted the bank 's customer support to report the unauthorized transaction. XXXX. Filed a police report with the local authorities, as advised by the bank. I understand that it is essential to investigate this matter thoroughly to determine the source of the unauthorized withdrawal. I request that you promptly initiate an investigation into this incident and provide me with a detailed explanation of the findings. In accordance with the Electronic Funds Transfer Act and the terms and conditions outlined in my account agreement, I kindly request the following actions to be taken : XXXX. Provisional credit : Please credit my account with the disputed amount of {$700.00} while the investigation is underway. This will help mitigate any financial hardships I may face due to this unauthorized withdrawal. XXXX. Investigation : Conduct a thorough investigation into the transaction to identify the individual responsible and to ensure the security of my account. XXXX. Resolution : Once the investigation is complete, please provide me with a written explanation of the findings and take appropriate action to rectify the situation, such as permanently removing the unauthorized transaction from my account. I understand that it may take some time to resolve this matter fully. However, I expect regular updates regarding the progress of the investigation and any actions taken to address the issue. Please communicate with me through my provided contact information or via email. I have attached copies of supporting documents, including the police report, for your reference. If there are any additional forms or documents required from my end, please inform me promptly so that I can provide them. I trust that [ Bank Name ] will handle this matter with the utmost urgency and professionalism, ensuring that my rights as an account holder are protected. I appreciate your immediate attention to this dispute and look forward to a swift resolution. Thank you for your cooperation. Sincerely, | ||||||
| 09/27/2017 | Yes |
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| About 3 months ago I applied for a personal loan with Navy Federal Credit Union to pay off my Mother 's car loan she has with XXXX XXXX for her XXXX XXXX XXXX. [ I did have a loan with Navy Federal, it was for a XXXX XXXX XXXX with account # XXXX ]. This loan was co-signed with my mother XXXX XXXX. She was going to trade in the XXXX XXXX & get herself a new car, but I decided to trade in the XXXX XXXX instead & purchased a new vehicle by myself. This was in late XXXX. About a week ago, I received a statement from Navy Federal with limited information. It stated that I owed them {$500.00} dollars & that my loan was subject to go to collections & this would affect my credit rating. My initial call was to XXXX the Sales person, who assured me that my car was completely paid off & did not know what was going on. At this point I was worried about the bad rating this would have on my credit so I called my Mom & asked her to help me find out what was going on. ( I initially thought it was a negative balance for the XXXX XXXX I just traded in ). When my mom reviewed the statement she noticed it was a different account number from my previous & only loan with Navy Federal. My Mom called Navy Federal on X/XX/2017 @ XXXX XXXX & spoke to XXXX in the customer relations dpt. XXXX advised my Mom that she was not on the loan she was pulling up. My mom told her that she was the co-signer on the loan & wanted information about the statement we had received. My mom also advised XXXX that it was the wrong account number & perhaps Navy Federal had made a mistake about the balance of {$500.00} we still had. XXXX asked my Mom if she was calling regarding the loan for a XXXX XXXX XXXX. When my mom heard the description of the vehicle she then told XXXX that the XXXX was her car & she still had a loan with XXXX XXXX. At that point XXXX told my Mom she was unable to give her any more information & she had to transfer the call to the Accounting Dpt. but not before my mom conference me in to the call. When we reached the accounting dpt we spoke to XXXX. I verified my information one more time & gave authorization for my Mom to talk to XXXX & discuss the account. When everyone was on the same page my Mom asked XXXX if she can tell us who signed the check or any credit application? We explained to her that I never picked up the check or signed anything documents authorizing the loan. At this point XXXX stated that we were going to be put on a 10-15 minute hold so that she can review all notes. My mom was at work & asked XXXX to please call us back because she was at work & I was getting ready to go to work. XXXX told us that they do not call out ever & if we wanted any further information we would have to call them back at another time. This is the last time we had any contact with Navy Federal. | ||||||
| 07/31/2020 | Yes |
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Web | Servicemember |
| On XXXX I submitted an initial VA application for Mortgage for {$170000.00}. My case file was assigned to XXXX XXXX ( Loan Officer ). This individual made no attempts to contact me as of XXXX until I contacted Navy Federal for her to make contact with me. By this time I had lost the residence I was looking at. When the Loan Officer and I finally spoke I requested to increase the amount to {$300000.00} as I was looking at another property. I asked a variety of questions : To be provided with my VA eligibility letter, closing cost, etc ... Loan Officer responded to my inquiry to the best of her ability. During our phone conversation I informed the loan officer that inspection was scheduled for Saturday XX/XX/XXXX @ XXXX. I should have known by then that she wasnt paying attention. Anytime I was asked for something by loan officer it was provided within 24-72 hours. On XXXX I email the loan officer as to if she required anything else and she then informed me that my POC moving forward was XXXX XXXX ( Processor ) as my case was transferred to processing on XXXX. I then sent the processor the same email on XXXX, XXXX, & XXXX with no response. Processor finally made contact with me via phone and advised she did not require anything at the time. On XXXX processor requests documentation and was provided all information immediately. On XXXX I called to check on the final numbers and the Loan Officer was oblivious as to anything going with my case file especially since I was schedule to close on Thursday. I was very annoyed because she informed me that my close was for Friday vice Thursday that she was unsure of final numbers and status as this was with the processor. The loan officer advised me of a couple possible outfits but not of the one I received on XXXX. After speaking with the loan officer who informed me my processor was out I was contacted by processor XXXX XXXX who requested specific documents provided to both the loan officer and processor and all information was forwarded to her immediately so that she could see all this information was provided in a timely manner. At this point I felt that both the loan officer and processor did not do their jobs. On XXXX Processor XXXX XXXX reached out to me and informed me that she would be my processor moving forward that my case file was not complete due to an employee error and that she is aiming for an XXXX closing as she has been authorized a one review process vice two to get me to clear to close due to the employee discrepancy. By this time Supervisor XXXX was involved. On XXXX XXXX reached out to me again for additional information and all was provided and later on that evening she returned dreadful information of it being declined. I feel that Navy Federal has no intentions of affording options to get this resolved. | ||||||
| 06/28/2022 | Yes |
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| Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Florida XXXX XXXX XXXX XXXX XXXX Protected Consumer to Navy Federal . I am a natural person who is at all times relevant. Navy Federal has caused my family and I great harm. In 2017 Navy Federal received my Federal Income Tax Return into my checking account. After they received my Tax Refund via direct deposit I was asked to come into the branch for verification purposes. After the teller verified who I was and that was XXXX XXXX 's Tax Refund I was told I would not be receiving my tax refund. Navy Federal lied, stole, and mislead me wrongfully restricting my account and stealing from me. I was told since I was past due on my loans Navy Federal reserved all rights to my Tax Refund since it was deposited into my account. I was told I would not be able to access my account nor would I be receiving my Tax Refund because I owed on my loan. Unfair restrictions were placed on my accounts after Navy Federal fraudulently stole my Tax Return and did as they pleased with over {$8000.00} of my hard-earned money. At this time I had just turned XXXX XXXX XXXX. I did not understand anything that Navy Federal was doing to me and my family. My family ended up being evicted from our apartment and my car was repoed as a result of Navy Federal stealing my Tax Refund. I was planning to use a portion of my Refund to pay on my Navy Federal loans as well as catch up on my rental and living expenses. I was stripped of the chance to do those things and lost everything in the process. Navy Federal Credit Union deceived and mislead me in the worst way possible. My family and I were living on the XXXX out of funds in a short time as a result of Navy Federals ' willful negligent practice. I received several calls and late notices that were harmful and threatening to me as I felt like I could not do anything to help myself at the time from being harassed and humiliated by Navy Federal. I thought so highly of Navy Federal until I witnessed them engaging in unfair and deceptive acts or practices and violated me per federal consumer financial laws. Navy Federal violated the Consumer Financial Protection Act by making deceptive representations to Consumers in connection with its debt collection activities. Navy Federal also violated CFPA by unfairly restricting my account access, and blocking my debit cards, and online access. I was told I would only be allowed to come into the branch for any banking transactions. I was also told I will no longer have an account other than my savings, so all other accounts were permanently XXXX. My remedy I am seeking to recover my Federal Tax Refund that was illegally fraudulently stolen from me. Navy federal was not authorized to pursue any of the actions they insisted on. | ||||||
| 10/27/2020 | Yes |
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Web | Servicemember |
| On thursday XX/XX/XXXX i deposited a check for XXXX and on friday XX/XX/XXXX i deposited XXXX checks for XXXX, XXXX, and XXXX. All three checks were placed on XXXX business day holds as normal and XXXX was made immediately available. Saturday morning my account went into the negatives as XXXX federal took the XXXX back and extended the holds on the checks to XXXX business days ending on XX/XX/XXXX. I called XXXX federal and escalated the call to a supervisor level. The supervisor removed the hold on some checks to bring my balance back to XXXX in the positive. I thought this resolved me issues and agreed that holding the rest of the funds till the XXXX was ok. Then on tues XX/XX/XXXX the automated banking system reapplied those removed holds taking all the money from my checking and savings and overdrawing my account to negative XXXX draining everything i had. I called navy federal back who advised me i needed to talk to the security dept. I did. Security dept told me it was because of the holds plaved on the checks and that the checks did not come back nsf so the funds will be available XX/XX/XXXX and it would straighten out then. I asked for a security supervisor and told told that none are available to speak with so i would receive a callback from a supervisor within 24-48 hours leaving my account unusable in the meantime. I called back again and got an account specialist supervisor who advised me there is nothing navy federal can do about the money that was taken from either of my accounts, or the money that was released abd taken back until the checks came off of hold on the XXXX. Meanwhile i have written two checks out that will now bounce because of these finds being given to me and removed twice. No answers can be given to me from navy federal about what to do. I keep a daily balance of XXXX or more and have never had an nsf on my account. I deposited these checks from known clients as i always do with the expectation and notification of a 2 day hold like always. The supervisor advised me that the holds were weird and abnormal. I also currently have an additional XXXX in checks that need to be deposited and am afraid of putting them into my account given the circumstances and the current negative balance. All superviors, security dept, and associates have advised me this is not my fault but there is nothing i can do until the automated system lifts my holds. I run a construction company so this threatening to put me out of business as i can not purchase materials, pay for labor and transportation, or function with no funds. This is now causing additional problems beyond just holding checks when checks can easily be verified quicker then 2-5 days. Again none of these checks have come back nsf so giving me available funds and taking them back is not right. | ||||||
| 08/22/2023 | Yes |
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Web | Servicemember |
| In XXXX of XXXX I discovered that NFCU did not have the title to my vehicle on hand while trying to complete a sale of the vehicle. After multiple phone calls over the course of the two weeks to follow I was condescended and belittled by 3 supervisors who claimed it was my fault that the title had gone missing and one who stated that NFCU records showed them never receiving the title from XXXX. Once the records of both the CA DMV and NFCU XXXX and a branch in XXXX XXXX Florida were checked the following was concluded : In XXXX of XXXX, I made a request, through the branch in XXXX XXXX Fl, to have the title sent there so I could register the vehicle as I had just been stationed in FL. A request was made to CADMV to turn the XXXX into a paper copy ( per CADMV records ) That paper copy was mailed to NFCU with a tracking number to confirm receipt on XXXX at the address on file ( XXXX XXXX XXXX, XXXX XXXX, PA ) ( per CADMV records ). From there it was sent via XXXX standard mail to the branch in XXXX XXXX FL. ( per NFCU records ). The branch confirmed that it has no records of ever receiving it or reaching out to me to inform me that it never came in. NFCU has an internal policy that if a title is sent to a branch and not claimed by the member that it is to be returned to the main title holding section in PA after 30 days ( per NFCU ). That policy was never carried out. ( per NFCU ) The events as outlined above and the negligence demonstrated by NFCU to follow common sense practice, such as utilizing mail with tracking service, and disregard for internal policy resulted in the title for my vehicle going missing and remaining missing for a period of 2 years and ultimately resulted in the inability of myself to sell the vehicle to an individual who had arranged to pay more than the remaining loan amount. In order to try and correct this matter NFCU filed for a duplicate title from CADMV ( per NFCU record ) and charged me a {$25.00} fee ( which they said would be waived prior to me giving consent for the order ). It was only after I received a letter stating that the amount had been debited from my account and confirming via the online app, and calling the help line that the amount was refunded to me. I tried negotiating for fair resolution on three separate occasions through a case manager as NFCU supervisors said case managers are the only ones who can do anything beyond. All three were denied. No further resolution has been reached. For these reasons and pursuant to 12 USC 5531 I am filing the complaint of abuse. Navy Federal Credit Union took unreasonable advantage of my reliance on them to safeguard the property held and displayed negligence on multiple occasions to follow set policy, which is not consistent with acting in the best interest of the consumer. | ||||||
| 01/15/2020 | Yes |
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Web | Servicemember |
| My auto loan with Navy Federal Credit Union ( NFCU ) was opened on XX/XX/2018. Upon review of my credit report I discovered that NFCU was reporting my loan as being paid 30 days late around XXXX 2018. I receive SSDI and am paid direct deposit into NFCU no later than the XXXX and every month call them personally so that I can access my pending deposit into my account a day early. They require that any payments owed to them such as my monthly mortgage payment and auto loan be paid in full and made current to do so. At that time, I authorize NFCU to pay those accounts by the representative I am talking to and then I can access my account. Despite a lawsuit against NFCU, they continue to limit access to my account when I am overdrawn or a payment is past due. I am redirected to what they call my delinquent account page which is a white screen and limited access to view my accounts. Every single month its the same thing despite being able to look at my account to understand I am paid once a month and have always brought my accounts current. I contacted NFCU several times regarding this late payment and am told that I have access to the exact same information they behave and XXXX 2018 is too old to access certain details. I was request to speak with an account rep was denied on my last call. While reviewing my account information I discovered transactions that were confusing in addition to a late fee that is assessed every month and added to my auto loan balance despite that loan being paid usually within what is commonly known as a grace period although it is difficult to find such information on their website. At no time over the course of 1 year was I ever informed of a 30 day late payment although I did have that loan adjusted at some point to a lower interest rate and payment because of financial hardship and having excessive medical bills and issues with my spouses health. Currently my account status on my auto loan is current and I have not made a double payment to account for any payments not being made because I would know given my limited XXXX income. If there was a mistake in making the payment then the burden is with NFCU because they are the ones handling the account and the payments at the same time my pending funds are released. I also question my escrow account and my FHA mortgage serviced by them. My escrow account was reduced because of Homestead and my property taxes went from {$770.00} annually to {$100.00} annually yet my refund was for only {$210.00}? Taxes were escrowed when I closed in XX/XX/2018 for the {$770.00} tax bill due XX/XX/2018. It was explained that they had to escrow for the lower amount also but should they not have much more in escrow pre-paids as well? No one has answered my concerns despite inquiring twice about this. | ||||||
| 10/22/2015 | Yes |
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| My accounbt has been attacked by a company multiple times ( 8 ) in one day and multiple times ( 19 ) over the last few months especially. It happened also, a year ago and the compnay changed their name and did it again. There was XXXX company names that have tried to withdrawl ACH debits out of my account doing multiple times with less and less amounts at least 3 times in one day upto 8 times in one day. Each time I found out, I have called the Navy Federal Credit Union and they tell me to send in the request form to receive the return item fee charges that they have charged me each time it occurred. In the last 3 months, I have been charged {$550.00} in return items costs. I have faxed in the forms, and they tell me they did n't receive them. I went into the branch on XXXX XXXX, 2015 and they filled out XXXX forms for the charges and turned them into the deptartment that handles that amount. They refunded me {$200.00} and told me they were not going to give me the rest. I worked with XXXX and he said that he would get me the funds back, but now, on Monday XXXX XXXX, 2015, he said they ca n't. I then requested the reason for denying me in writing and they have refused. I went into the Branch again on Tuesday XXXX XXXX, 2015 and spoke with the Branch manager, XXXX XXXX at the XXXX, VA XXXX and when I requested again in wrting for the refusal to refund me the fees that they took from my account for a fraudulant company trying to ACH debit my account repeatedly after I had made numerous calls and attmepts to stop this, she said they were still researching it and it would take upto 3 weeks, if they determine to give me the fees back. I requested the elecutronic transmisions from all the attempts made on my account and she told me that there is n't anything to give me. When I told her that they needed to abide by the Regulation E. Electronic Fund Transfer Act, and return the fees to me, because I never authoized that company ( s ) to debit my account, she told me that the law did n't protect consumers against the fees incurred by the fraudulent attempts on my accout. I have re-read the law, and it clearly outlines protection for consumers against the bank fees that are incurred with fraudulent debits. They clearly felt I had fraud against my account ( by returning {$200.00} into my account ), but are refusing to refund me all that was incurred ( another {$340.00} ) with these transactions. I have notified them via, phone, fax and in person, as soon as I knew about the attempted debits starting in XXXX 2015, but they still refuse to follow the law. I really would like someone to make sure that they do n't continue to act as though no one can make them follow the law and enforce regulation on them. I want the rest of the fees of {$340.00} returned back to me asap. | ||||||
| 11/13/2022 | Yes |
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Web | Servicemember |
| I had an issue with a collection agency for returned checks at Navy Federal Credit Union. XXXX, the company, resubmitted the checks on multiple occasions causing returned check fees at the bank, and also submitted their XXXX service charge as an XXXX-authorized deduction from my account, creating more XXXX fees as they submitted the transactions separately. and the service charges were submitted after the resubmission which they knew did not go through. The checks eventually cleared along with the separate service charges submitted by the collection agency. I spoke with Navy FederaXXXX and disputed the service charges as unauthorized, having never agreed to them using XXXX for their service charge. The bank then orders the account for the entire amount of the checks and the service charges and advises the business that I had stated they postdated the checks, and I was denying writing the checks for the purchase which was never an issue. I went into my account to get the account statements and found tro be locked out and unable to access any statements relating to the dispute. This occurred after going to the store where the checks were written, when the owner grabbed me and drug me through the store telling me he did not want me there ever again. I was never aware of the bank advising them of those lies, and the bank was told after they credited the account that they made an error as I was not disputing the checks, just the allowance of a collection agency to use ACH and access my account. The bank CEO was notified of the situation, after getting nowhere with customer service. Now I am charged fees with money in the account and have been denied access to my statements where the business had been paid. I spoke with the business the day of the assault, and told him I would bring back the statement where it was paid, as I never disputed his transactions. The owner stated the money was reversed and he had not been paid over XXXX. The bank has made me look as if a fraudulent person, and this being only XXXX of the times they have done this, after complaining about charges and receiving no products from XXXX. The company ordered from having no phone contact or address to get hold of them and do not respond to emails. XXXX Fed. states they spoke with them, but that is not true.The bank had no right to lie to the company, had no right to block me from my statements, and the CEO office stating they would write a letter to thr business after hearing the recorded dispute. but they will, not advise the businesws that I never stated anything about them postdating checks or denying to have written the checks. I am no longer allowed in the store, have been humiliated in front of my town friends and XXXX XXXX is a liar and uses accounts to advesrly affect its members. | ||||||
| 07/12/2021 | Yes |
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Web | Servicemember |
| In XXXX of XXXX, after coming back from a XXXX, I realized I was missing some of my XX/XX/XXXX travel pay. When I discovered my XX/XX/XXXX travel pay was placed in a wrong NFCU account, due to a mistake in account numbers, that led me to discover my XXXX travel pay ( from a move from XXXX to XXXX XXXX was placed in the wrong account as well. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX ) and they sent a letter of indemnity on XXXX XX/XX/XXXX, regarding my XXXX XX/XX/XXXX payment and my XXXX XX/XX/XXXX payment. NFCU returned my XXXX XX/XX/XXXX payment. However, they did not return my XXXX XX/XX/XXXX payment, totaling {$2600.00}. The trace number for the aforementioned amount is # XXXX. In XXXX of XXXX, I reached out to the XXXX. XXXX Legal Assistance Office, they helped me get another XXXX letter of indemnity. Again, the {$2600.00} was denied. I filed an Inspector General ( IG ) complaint in XXXX and received another Legal Assistance Attorney in XXXX after the previous one XXXX. That attorney, XXXX XXXX XXXX, arranged a three-way phone call with NFCU and myself also on the line and XXXX XXXX facilitating. The representative at NFCU confirmed that they were able to see the mix up. The representative on the line confirmed the XXXX letters of indemnity and XXXX XXXX letter of indemnity. The representative gave XXXX XXXX a new fax address to send a letter of indemnity in her legal capacity. However, after she sent the XXXX XXXX Legal Assistance letter, on XXXX XX/XX/XXXX, on XXXX XX/XX/XXXX I called NFCU and they replied that they would not accept XXXX XXXX letter of indemnity, it had to be from XXXX. On XXXX XX/XX/XXXX, XXXX XXXX reached out to XXXX for a third and final letter of indemnity. XXXX only does two letters of indemnity, but they allowed an exception. However, this time NFCU came back saying there were insufficient funds and that the account had been closed. If youre reading this complaint and thinking, well she should have kept track of her money better. Rest assured, that I am beating myself up with that refrain already. But from a consumer standpoint, if NFCU told me where they saw the error, they have the trace number, and they saw that it went into the wrong accountit seems that the next step would be returning the money. Instead, NFCU has initiated bureaucratic roadblock after bureaucratic roadblock, saying I need another XXXX letter of indemnity when Ive already sent two on my behalf, telling my Legal Assistance attorney the wrong fax information, and conceding that they see the account transcription error when I call them. I feel like Im getting runaround. Through multiple XXXX and moves, I wrote the wrong account number down and only realized it in XXXX. I know {$2600.00} might be a drop in the bucket to NFCU, but its a lot of money to me. | ||||||
| 12/07/2017 | Yes |
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| Around XXXX XXXX I contacted Navy Federal Credit Union for a loan for a dump truck. I was asked to issue a bill of sale in order for the bank to review the value of the truck and determine loan amount. The bank came back after credit checks and I assumed VIN check and approved a loan of {$33000.00}. We accepted and signed agreeing to the loan under XXXX XXXX XXXX. Upon Arrival in Mississippi to pick up the truck, we realized after being there for a few days that the sale was a scam and that XXXX XXXX XXXX was in the business of scamming people. We immediately tried to contact the bank but XXXX XXXX was out and no one else seemed to be able to assist me with the issue. I sent numerous texts and emails and made phone calls and no one tried to assist. When XXXX returned I explained in detail what I found out from the BBB, XXXX XXXX, and various other websites that the owner XXXX scammed many other people the same way. XXXX tried to help and we continued to make payment on the truck until XXXX XXXX. I made numerous calls to the bank and was told rudely by one woman in the business collections department that it was n't there problem. After a few more calls someone from the business department called and asked me to tell what happened so they can best help me. I was told that the loan should n't have been issued in the first place and that no one actually did a vin check to see the value of the vehicle. Upon doing a Vin check they found out that the truck was only valued {$1500.00} and that it would n't be worth them repossessing the vehicle. I was told I would be contacted about the next course of action. I started getting letters from the bank saying they will need to take further steps if the account was not brought up to date. I called the bank and told them I could not afford to make the monthly payment as the truck was not in our possession and that is what we would have used to make the payments. I was told that the collections process would have to run it 's due course and I would be contacted by their lawyers. I received a letter from Attorney XXXX XXXX approximately XXXX XXXX to call about the loan or they will assume the loan is mine. I tried calling the number on the letter and no one picked up. I sent the letter back explaining that I contacted the bank and that the whole deal was a scam. I never heard back from the lawyer 's office. On XXXX XXXX, XXXX I received a letter thanking me for a payment I did n't make. I rushed to the bank only to find out the cleaned out all the money from my personal accounts without my knowledge even though I was told the dump truck was the collateral for the loan. This really put me and my family in great distress to the point that I could n't go to work. I try really hard to keep my credit profile clean. | ||||||
| 06/12/2018 | Yes |
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Web | Servicemember |
| Home was originally purchased in XX/XX/XXXX, loan financed for $ XXXX, with Navy Federal Credit Union. I am a XXXX Veteran, however I have never utilized my VA mortgage benefits. I was injured on the job as a XXXX XXXX, which has affected my finances tremendously. I have requested assistance from Navy Federal with lowering my monthly payment, due to unstable income, when family medical leave is taken due to my ongoing medical condition. However, the modification rules have does not allow for my mortgage to be reduced, which I do not understand. I have received 2 modifications, last one in XXXX, yet I have never been offered a lower interest rate, reduction of the principal ( despite my home value dropping drastically in XXXX ), forgiveness of late fees or arrearages. Last modification my loan was extended from 30 to 40 years, yet payments about the same. The rules seem to require a surplus for the modification to be granted, yet a surplus means disqualification for a lower monthly payment. As a veteran and a XXXX XXXX I have served my country all my life, and now I need help, yet the rules prevent Navy Federal Credit Union from lower my monthly payment, while allowing them to foreclose on my only home and auction it off or short sell it to someone else when I have made years of monthly payments. I have to submit years of tax documents to qualify for the modification, yet my determination is based on 1 months, check stubs, and if I do not have a surplus the modification is denied, if I have a surplus, I am offered a payment plan hundreds of dollars hired than my original mortgage I am currently behind on. At no point have I been offered a mortgage reduction of any kind, therefore no help for me. I provided a hardship letter and a letter from my physicians, explaining my medical situation, however the rules prevents the Navy Federal Credit Union loss mitigation specialist from providing me an option that would lower my monthly mortgage and allow me to remain in my home of 11 years. Late payments on my credit report, and lack of rental history affects my ability to move, so it seems I will be added to the homeless veteran list. These rules and practices are unfair and bias at best, who investigates to determine if profits are being made from the programs supposedly created by the government to assist those of us who are requesting assistance. What qualifications are required to receive a reduction in interest rate, reduction of principal or forgiveness of late fees or arrears, because I want to keep my home. However I was told I only qualify for a payment plan I know I can't afford, so I asked about the Deed in Lieu, rather than foreclosure, only to determine I will not be allowed to utilize my VA home benefits for 2 years once the deed is signed over. | ||||||
| 08/26/2018 | Yes |
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Web | |
| Navy Federal continues to report fraudulent accounts on my credit report ( s ). These accounts were not opened by me, I have not ever benefited from these accounts and have already reported these accounts to Navy Federal Credit Union as fraudulent. First of all Navy Federal found my phone number some how and called my phone sending threatening voicemails, stating they would come to my house and that they would make sure I " go down ''. I did not authorize this company to call me first of all, Second of all after my Identity was stolen these accounts and membership were opened at Navy Federal. I never received any Credit Cards from them. When my identity was stolen the crook opened two credit cards with Navy Federal credit union, and a checking and savings. This information was received by calling their customer service number. Additionally Navy Federal CU only got my new address because on my Complaints from the CFPB it shows my address. So they updated their system on these fraudulent accounts with my new address. I should not be liable for accounts and cards that I NEVER RECEIVED. Also on their website per their terms it states if you open a membership with them online, they will send you a signature card to sign and send back. Approving that you opened the membership with them. I want to make it clear that I never received that by mail, and I NEVER SIGNED IT either. I know that for fact. Lastly, I want these accounts removed from my XXXX credit bureau reports and all of the other reporting companies they are reporting to. I never opened membership with this credit union. The crook forwarded my mail and also received all of my personal information after stealing my wallet they had my SSN from my Social Security Card and my Drivers License, and Also my Email addresses. I did attempt to recover my wallet but I was not able to. I have already tried reporting this to Navy Federal Credit Union as fraud and they continue to deny anything saying they researched and there are differences in stories. That's not true its been the same information every-time. I DID NOT open membership with your credit union. I have not ever received any cards and I found out from USPS that my mail had been forwarded. I have only recently corrected that. I do not have account numbers to report because it doesn't list them and I never received any cards. Lastly I have not called in on these accounts but only to tell you these were fraudulent. Please update your records and correct the fraud. Which I believe occurred from someone inside Navy Federal especially after receiving calls of threats. I do not owe these accounts because I have already notified you of Identity theft and my rights from the FCRA. Please update the credit bureaus promptly and update your internal records. | ||||||
| 10/21/2023 | Yes |
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Web | Older American |
| On Monday, XX/XX/XXXX I noticed my Navy Federal Credit Union checking account showed a {$200.00} debit for a check I had written and a {$200.00} debit from the account by a number that was not a check but had a similar last 4 digits as the other check. The online service would not show the check with strange numbers. I called NFCU and after over an hour and speaking with 3 different people, it was determined that the person I wrote the check to, also an NFCU member, had mobile deposited my check after endorsing the check for mobile deposit only and then subsequently cashed the same check illegally at a local branch. I was told NFCU would withdraw the funds from the account and return it to my account within XXXX XXXX. On Thursday XXXXXX/XX/XXXX I again contacted NFCU and was told it could take up to XXXXXXXX XXXX and that when the money was returned I would not be made whole, that the money would show as deposited on the day the money that they improperly deducted was returned. I was told the branch needed to return the money and there is no phone number for the branch, I could visit the branch in question if I wanted to discuss further. Clearly NFCU is responsible for deducting the money from my account twice and fraudulently. The money should be returned as if it was not deducted and I should also receive interest for the period of time they improperly deducted the money from my account. I contacted XXXX who advised I could contact CFPB about the issue. Having just looked at my account and seeing that my account has not been re-credited for the improperly deducted funds that were taken XX/XX/XXXX, I am contacting your office for assistance. While the person who presented the check twice is clearly at fault for double presenting and has made no effort to contact me or apparently the credit union, clearly the credit union is responsible for accepting the same check twice and debiting my account. It is unacceptable to expect me to also have to physically go to a location not near my home to discuss their error with them in person to facilitate the return of my money and further when the money is returned it should show as having been there since XX/XX/XXXX and I should be given the interest lost due to their error. I do not understand why if NFCU could clearly see 6 days ago that they made an error over 2 weeks ago, that should never have been allowed, that I am still waiting for the return of my money. I am thankful I had enough in my account to cover my other debits but this is just wrong and should not be allowed to happen. I also should not have to continue to call NFCU and check my account to see if the money has been returned, they should keep in contact with me to keep me apprised of their efforts to correct the fraud they are aware of. | ||||||
| 08/03/2023 | Yes |
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| According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A. " Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services. | ||||||
| 04/02/2021 | Yes |
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| In mid-XXXX, my husband and I submitted an online application to Navy Federal Credit Union to refinance our mortgage. Part of the application process was to agree to pay for them to make an inquiry on our credit, which we and they did, and the inquiry was reported by XXXX on XX/XX/XXXX. However, they made a second inquiry without our consent ; it was reported by XXXX on XX/XX/XXXX. On XX/XX/XXXX, when I noticed the second inquiry, I contacted ( via email ) the loan officer and loan processor who had been helping us ( XXXX XXXX and XXXX XXXX, respectively ), but neither responded to me. Ours was what I assume to be an unusual situation, where our original application somehow got " deleted '' ( I'm not sure how, it didn't happen on our end ) and our information was then re-entered ( by NFCU ) on a new application with a new number. ( Our original loan application # was XXXX, and the second # was XXXX ). Mistakes were made when they entered the information for the second application, one of which included them increasing our requested amount by {$100000.00}. I noticed this immediately and contacted them about it, and pointed out other inconsistencies where necessary, because they had already sent us new disclosures with the incorrect information included. They eventually got the information on the second application corrected, but we ended up not refinancing with them because the interest rate offered was much higher than expected. When I contacted XXXX XXXX via email ) on XX/XX/XXXX after noticing the mistakes and high interest rate listed in the second application, she replied, " The reason for the rate is there was no credit report inside this application, I was able to pull the credit report from the other application, as soon as I find out what product you want ARM or FIXED, I can send out new disclosures. '' Given this response ( and the fact that I'd already stated several times we wanted a fixed rate loan ), I'm assuming that the second credit inquiry was made because when they set up the second application for us ( after somehow deleting our first application and then entering some incorrect information on the second ), the information from our initial credit inquiries wasn't transferred over, at least not initially. It seems to me that not allowing customers to proceed with loan applications without agreeing to and paying for a credit inquiry is a good control that should prevent unauthorized and/or duplicate credit inquiries, but as I understand it from NFCU, what happened with our accidentally-deleted application was unusual for them. I understand they're extremely busy right now and was patient throughout the process, even after all the errors ; however, our credit should not have been run a second time due to their mistake. | ||||||
| 10/23/2021 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2021, I initiated a loan application with the Navy Federal Credit Union ( NFCU ). I have been a member with them for over 15 years and previously had a mortgage with them. I have never had a delinquent payment or problem with my checking accounts ( personal and business ). I was also on a joint account with my husband who recently passed away. There was never a delinquent or returned check with his accounts. I am XXXX XXXX XXXX, financially solid, and the Navy Federal Credit Union validated that my scores from all three bureaus is over XXXX. My application to the Navy Federal Credit Union is for a home in another state for {$340000.00}. I have over {$300000.00} in savings and investments. Additionally, my monthly income from my husbands retirement, social security, and my work is over {$4000.00} monthly. I can easily afford this new property and in fact, just received a contract on my current home valued at {$650000.00}. The equity in that purchase is over 50 % and this move is not for financial movements -- I feel the need to be closer to friends. NFCU knew from the beginning my projected closing date was XXXX XXXX. They have painfully drug out the process and constantly ask me for additional information, which I complied. The next stall tactic was underwriting was back up but would get to my application. In the interim, I put my house on the market and received a contract on XXXX XXXX with a closing date of XXXX XXXX. Today I received a call from the contact person stating that underwriting wants me to close on the other loan before they with approve mine! I am flabbergasted! The people selling the house to me are moving into a larger property and need an XXXX XXXX closing, which has always been the case. They actually asked me to have the people just extending the offer on my home to move up the date! Are they crazy -- these people have had less than a week to get their financial process in order, but they want them to flip on a dime to make them more comfortable with my loan! BTW, my loan terms are not that great at 4 %, but I believed I could get to closing faster than refinance later if I desired. I can not see any reason why I am being treated this shabbily and shamefully. I have an income stream, I have savings and investments, I will have additional funds when my house goes to closing. So far I have not been given any excuse as to why they will not approve my loan so I believe that is is my age and maybe gender. Financially, I believe my portfolio puts me at a higher level than most, yet they will have created a circumstance they know can not be met by the people with the contract extended on my home. And, they are jeopardizing the people with the house that I want to purchase due to their discrimination toward me. | ||||||
| 01/11/2023 | Yes |
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| On XX/XX/XXXX at approximately XXXX XXXX XXXX Standard Time, I called Navy Federal Credit Union to make a credit card payment, as I had done so many times during the past XXXX years. I also called to request assistance with online technical support. I spoke with customer service supervisor XXXX and I explained to her in detail that I needed to make a credit card payment on XX/XX/XXXX because it was due on that date. I also explained to XXXX that I needed to speak with a representative in online technical support, because I had recently reset my online password on the XXXX website XXXX XXXX XXXXXXXX and when I was prompted to sign in I got an error message stating that I had exceeded the maximum number of sign-in attempts and I needed to reset my password. I repeatedly explained to XXXX that that was a mistake on the websites part, because I had tried to log in only one time. To my surprise and disappointment, XXXX refused to help me with my credit card payment and she did not allow me to speak with anybody in online technical support. She told me I was not the person I said I was and in order for me to have access to my account I was required to submit a signed written request with a copy of my identification card, plus two recent bills or statements with my full name and address on them, and send them through US postal service to XXXX main office.. I told her I didnt understand, I called many times before to conduct this and other types of transactions and I had not encountered any issues to access my accounts. I told her I had many accounts with Navy Federal Credit Union and most importantly, I needed to make a credit card payment that same day. Instead XXXX hung up the phone on me. I was in distress because I was worried about not making my credit card payment on the due date. XXXX very responsible with my financial matters, I have a good credit history and a high XXXX XXXX and I want to maintain it that way. Furthermore, I suffer from anxiety and XXXX and the incident with XXXX couldve had worse consequences for me. While I certainly understand and appreciate Navys effort to protect my information, I dont understand why XXXX XXXX arrived to the conclusion that I was not the person I said I was. She did not use any type of recourse, such as reaching out to senior management for assistance or advice, to further determine if I was the person I said I was. XXXX could have contacted me by phone, email or XXXX mail regarding this matter, yet as of XX/XX/XXXX they have failed to do so. This should be a learning curve for Navy Federal Credit Union, to help them better handle these incidents and develop more efficient ways of determining the identity and legitimacy of their members. To prevent future mistreatment of any other member. | ||||||
| 11/17/2021 | Yes |
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| Navy Federal Credit Union is claiming that I owe an alleged debt of {$6300.00} on a credit card. I am making this complaint to prove that I do not. I am in fact a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am well aware that NAVY FEDERAL CREDIT UNION is a creditor pursuant to 16 CFR 433.1 ( c ). I am also aware that according to 31 U.S. Code 3123 ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. Therefore I, the consumer, is not obligated to pay this alleged debt. I am aware that according to 18 U.S. Code 8 the obligation of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, BILLS, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Again, I, the consumer, is not obligated to pay this alleged debt. I am aware that according to 12 U.S. Code 1431 the powers and duties of banks is to BORROW MONEY. Therefore it has come to my attention that money wasnt created with NAVY FEDERAL CREDIT UNION until I, the affiant, handed over my social security number. I, the consumer has reason to believe and do so believe ALL of my billing statements as well as ALL the amounts I have from NAVY FEDERAL CREDIT UNION is a billing error, pursuant to 12 CFR 1026.13 ( a ) ( 6 ). I, the consumer, has reason to believe and do so believe NAVY FEDERAL CREDIT UNION has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged credit card debt from NAVY FEDERAL CREDIT UNION has already been paid for. I also have reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with NAVY FEDERAL CREDIT UNION is a open end credit plan which means I, the affiant should not have to pay any alleged debt that NAVY FEDERAL CREDIT UNION claims that I owe. Lastly, according to my certified UCC Lien Search from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. You can perform a UCC 11 Lien search on me for this fact. This further proves that I, the consumer, doesn't have to pay this alleged debt that NAVY FEDERAL CREDIT UNION claims that I owe. | ||||||
| 10/02/2020 | Yes |
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Web | Servicemember |
| XXXX : Navy Federal Credit Union, based in XXXX, Virginia, is seemingly subjecting Department of Veterans Affairs Home Loan borrowers to the following egregious behaviors and practices : Truth in Lending Act Violations : Unethical behavior with regard to customer engagement by Navy Federal Credit Union Personnel ( False and Misleading Statements ) Bait and Switch Activities : Navy Federal Credit Union offered general terms and information before applying for the loan, but has continuously changed loan amounts, qualification criteria, timelines, etc. o Complete and continuous inaccuracy in the delivery of their lending practices. Predatory Lending Activities : accepting and processing a refinance application from XXXX XXXX ( borrower ) and charging Appraisal Fee for a refinance that Navy Federal Credit Union could not complete due to internal limits on loan terms e.g. 15 yr. vs.30 yr. term. Seemingly lack of effective internal processes and controls regarding loan application reviews, approvals and/or denials. Lack of timely communication or response. Parties : Navy Federal Credit Union Mortgage Sales and Refinancing Departments. o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX. Borrower and Co-Borrower. Timeline : XX/XX/2020 - Loan submitted XXXX {$2.00} XXXX request ). Assigned loan officer : XXXX XXXX. XX/XX/2020 - Informed by XXXX XXXX that misinformation was given, maximum loan tops out at {$2.00} XXXX, XXXX sends escalation response email ( Attachment 1 ). XXXX - Informed mortgage loan possible if Florida property is refinanced to a conventional loan and VA entitlement is free. XXXX - Reassigned to XXXX XXXX XXXX XX/XX/2020 - Pre-approval letter received. Loan amount {>= $1,000,000} ( Attachment 2 ). XX/XX/2020 - Requested edited pre-approval letter ( remove down payment amount ). Amended pre-approval received XX/XX/2020. Loan amount changed : {>= $1,000,000} ( Attachment 3 ). XX/XX/2020 - Acknowledgement of accepted ( {>= $1,000,000} XXXX offer by XXXX XXXX ( Attachment 4 ). XX/XX/2020 ( uploaded ) - Loan commitment : {>= $1,000,000} ( Attachment 5 ). XX/XX/2020 ( uploaded ) - Loan commitment : {>= $1,000,000} ( Attachment 6 ). XX/XX/2020 - Informed Navy Federal does not allow 30-year mortgage refinance on investment properties. Case escalated to management ( Attachment 7 ). XX/XX/2020 - Reassigned new loan officer : XXXX XXXX XXXX ( Attachment 8 ). XX/XX/2020 ( uploaded ) - Loan commitment : {>= $1,000,000} ( Attachment 9 ). XX/XX/2020 - Email from XXXX XXXX XXXX : Available entitlement and the maximum loan amount : {>= $1,000,000} ( Attachment 10 ). XX/XX/2020 - Email from XXXX XXXX XXXX : Available entitlement and the maximum loan amount : {>= $1,000,000} ( Attachment 11 ). | ||||||
| 08/02/2023 | Yes |
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Web | Servicemember |
| Approximately 18-24 months ago we started receiving letters from Navy Federal Credit Union ( NFCU ) about the vehicle title to our XXXX XXXX XXXX . The letters had stated that they have not received our title from the Florida DMV and that we needed to call the DMV to request that it be sent to NFCU showing they were the first lienholder. We called the DMV on numerous occasions and were told that the title states that they are, in fact, first lienholder ( which we have known since purchasing the vehicle ) and that it is an electronic title and NFCU has the ability to pull that information from their database and they will not release the title to myself and my husband. When I called to notify NFCU about this ( on numerous back - and - forth phone calls over the course of 6-8 months ) each time we were told it would be handled but months would pass and we'd receive another letter. The most recent letter we received in XXXX stated that if we did not resolve this issue of the title, they would transfer this loan into a personal loan with a rate of XXXX % ( up from our 2.5 % ). This prompted us to call AGAIN and we sat on the phone for over 2 hours discussing this issue and how to resolve it as there is absolutely NOTHING further we are able to do on our end. They said it looks like there was a " coding '' issue and notes were taken down on our account. I even sent over proof they were listed as first lienholder with documentation from the DMV ( not a physical title ) showing them as first and only lienholder. I was assured numerous times during the end of this call that she had managers on board with this, everyone was aware and that they would take care of this and to not worry and we hung up. We stopped receiving letters and figured this was fixed ; as we were assured ... We logged into our mobile banking app to discover they had jacked up our rate and transferred it to a personal loan. We called again last week or two ago to discuss fixing it but the title department was closed and we were told, yet again, this would be fixed and that she didn't have access to fix these issues. Now we have STILL not heard back after being assured she was contacting the title department. This has been ongoing for so long and we have been very patient, as we do truly love Navy Federal as an organization. They have always had phenomenal customer service and treated us very well and we would love to continue to bank with them. However, this particular issue and the lack of urgency and follow-up is concerning to me. I have never been delinquent on any loan or payment, I have provided the proof they asked for and have always been understanding with them on the phone but this is just going on for too long and we have no where to turn for a resolution. | ||||||
| 06/29/2021 | Yes |
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Web | Older American, Servicemember |
| At the end of XXXX this writer suffered XXXX XXXX XXXX. During this period due to my inability to sustain employment I was unable to keep up with my credit card payments with Navy Federal Credit Union. Therefore, my payment fell behind to the point where Navy Federal decided to close my account. In XXXX after a full recovery and back to work full time, I contacted Navy Federal and inquired about the past due debt that I owed them. They informed me of the full amount ( {$450.00} ) and after minimal negotiation, I was informed that the only way I could settle this debt to the satisfaction of both myself and Navy Federal was to pay off the entire amount in cash at the local branch. The agreement was that I would pay the full amount, and the bank { Navy Federal ) would fully recover their loss. And for doing so I would have this derogatory removed from my credit profile with the Credit Reporting Agencies. On XX/XX/XXXX, I paid off this overdue debt to Navy Federal. ( See Attached ). about 30 days later I contacted Navy Federal and informed them that the negative information was still reporting on my credit reports. I was told at this time that it usually takes 4 to6 weeks for the corrections to take place. I waited another 30 days and again checked my reports. This time I noticed that it stated that this account was a Charge Off, But it was paid. I again contacted Navy Federal. This time I was told that They were NOT GOING TO REMOVE the derogatory info, but it would state that the debt was paid. I informed the person I was speaking to that this was contrary to the deal I was made prior to my full repayment of this account. I was told that no matter what agreement I had previously reached with them, this was their position now. I am under this impression that Navy Federal practices allow for their agents and customer service reps to tell their customers whatever the customer wants to hear in order to assure that customer pays them their money. Then after getting their past due balance they ( Navy Federal ) renege on their promises and feign memory of ever making this deal in the beginning. These practices are expected more from a collection agency. than that of a reputable bank like Navy federal. They should be made to keep their word,, not only in this case but all cases where they make promises to customers in order to receive payoffs ... ... Also note, I disputed this account with XXXX. The results are dated XX/XX/XXXX, which state clearly " {$45000.00} WRITTEN OFF '' Now my question would be why would Navy Federal state that this amount was written off in XXXX of XXXX when in actuality this account was paid if full in XX/XX/XXXX. It is as if they are going to great lengths to disparage this customer. See attached ... | ||||||
| 02/22/2021 | Yes |
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Web | Older American, Servicemember |
| Hello CFPB, On XX/XX/2021, XXXX XXXX XXXX and I went to Navy Federal Credit Union at XXXX XXXX XXXX, XXXX, MD XXXX. My mother and I went to add me on her accounts as Joint Owner, due to her health and age. We were seen by NFCU Account Manager : XXXX, who was extremely unprofessional and unknowledable of NFCU protocols and processes. We informed XXXX of our matter of wanting to adding me on my mother 's account as a Joint Owner, which she continued to do. After my mother and I left her cubicle, we proceeded to walk over to bank teller to initiate my mom 's new Debit Card Pin number. As my mother and I proceed to walk out to my vehicle, NFCU Account Manager : XXXX chases us to my vehicle along with XXXX " Sarcastically Stating '' that, NFCU can not add me on my mother 's accounts as a Joint Owner, which I currently possess a savings account for 30 years and my mother, i.e., XXXX XXXX XXXX who possess a checking and savings account for 50 years. XXXX says she wasn't going to processes the documents, which she ( initially sign before hand ). My mother and I went to the aforementioned NFCU location one week prior to XX/XX/2021 and sat down with NFCU Account Manager : XXXX, who we initially wanted to add me on as a Joint Account Owner. Before my mother and I proceeded to sit down with XXXX, on XX/XX/2021. XXXX goes over to XXXX and whispers to her, to pretty much XXXX XXXX of not allowing my mom and I to process adding me on as a Joint Member of my mom 's checking and savings accounts. XXXX was snickering and aggravating the situation above. I'm not sure why XXXX is so adamant about me " Not '' being added on my mother 's accounts at NFCU, which is a " Very Unprofessional '' and " Awful '' and " Uncharacteristic '' of NFCU employees. This has been a " Unacceptable '' experience for my mother and I. I have never ever experienced this type of customer service before. I hope that someone from the CFPB can assist us with this " Discrimination '' and " Unlawfully '' Misuse of authority. I would like to request that Navy Federal Credit Union at XXXX XXXX XXXX, XXXX, MD XXXX, to " Repreminded '' NFCU Account Managers : XXXX and XXXX for their Unprofessionalism, with " Taunting Me '' i.e., following me out to my vehicle and Publically Embarassing me in front of other NFCU customers. This is Unlawfully, Discrimination, and abuse and misuse of authority by XXXX and XXXX having the authority to stopping the processing of My mom 's " Wishes '' to add me on to her checking and saving accounts, due to her " Deteriorating Health ''. I hope CFPB can assist my mother and I in representing us on this Unlawful Practice and Discrimination of NFCU aforementioned employees. Thank You, XXXX XXXX XXXX XXXX ( Email ) XXXX ( Mobile ) XXXX | ||||||
| 09/22/2020 | Yes |
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| I was a victim of identity theft and I discovered it back in XXXX. I filed an identity theft report with the FTC and sent in all my documents to the credit bureaus, XXXX, XXXX and XXXX. Navy Federal Credit Union removed the fraudulent account from XXXX and XXXX but continued to report the fraudulent account to XXXX. I sent in a second letter to Navy Federal Credit Union letting them know this account is fraudulent and it should be removed from my XXXX credit file just as it was removed from my XXXX and XXXX credit file. I sent this letter on XX/XX/XXXX in which I have attached the certified mail receipt to this complaint. A second letter got sent on XX/XX/XXXX in which the letter and the certified mail receipt are both attached to this complaint. This letter was requesting business records of this fraudulent account that Navy Federal Credit Union claims was my account. In accordance with section 609 ( E ) of the Fair Credit Reporting Act they have 30 days upon request to provide such documentation. I still have not received any documentation in the mail supporting their position that this account belongs to me. I have filed a police report and signed and notarized a sworn affidavit that this account does not belong to me and should be removed from my credit file. Navy Federal Credit Union violated my rights under the Fair Credit Reporting Act by not removing this account and by not providing me with business documentation proving this account is mine. In addition to my civil rights being violated they have violated their subscription agreement with the credit bureaus in which I have attached to this complaint as well. I have educated myself with the Metro 2 compliance rules and regulations and Navy Federal Credit Union is required to report accurately with each credit bureau they have a subscription agreement with. They are only reporting this fraudulent account with Experian but not the other credit bureaus, how is this in compliance? Further questions, how does Navy Federal Credit Union reserve the right not to abide by the Fair Credit Reporting Act? Are they able to deny requests of information? I have attempted to call Navy Federal Credit Union several times to work this out and each time they tell me they can not and will not do anything because they believe this account belongs to me yet they have failed to provide me with such documentation to support that claim. Navy Federal Credit Union is slandering my reputation and preventing me from moving forward with my life. This is defamation of character at its core. I have provided every piece of documentation requested of me to get this fraudulent account removed and Navy Federal Credit Union has not been responsive to my most basic requests. | ||||||
| 04/27/2021 | Yes |
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Web | Servicemember |
| I applied for a mortgage from Navy Federal jointly with my wife at the beginning of XX/XX/2021. We went under contract for the purchase of a home on XX/XX/2021 the contract was sent to the mortgage lender on the same day via email. The closing date on the contract was XXXX XXXX. I did not receive any contact from Navy Federal until 5 days later when a XXXX XXXX envelope appeared on my front door. It contained all loan documents with a locked in rate WITHOUT ever being sent a loan estimate and agreeing to lock in the rate. Finally I was able to reach my mortgage lender and he never admitted to his mistake and said the rate was locked in and there was no way we could get better rates. I took it upon myself to apply for the same loan again on XXXX XXXX but without my wife to see if I could get a better interest rate which I did by .75 %. I then had a new loan officer per my request after the terrible experience with the original loan and after all documents were submitted ( so I thought ) the loan was transferred without my knowledge to a now 3rd officer. It was the first week of XXXX when we had asked for the appraisal to be scheduled. It was scheduled for Thursday XXXX XXXX. During the week of XXXX I received no document requests or contact at all from the new Loan officer. We then heard back from Navy Federal during the next week of XXXX that they could not contact the Appraisal company. Until finally on Friday XX/XX/2021 the Appraiser contacted Navy Federal and said he couldnt do the appraisal because his wife was sick. I had made sure to ask my loan officer if everything was done other than the appraisal and she assured me it was. We had to write an addendum to the sale contract to extend closing to Thursday XXXX. On Monday XXXX the appraisal report was finally reviewed and approved by Navy Federal but it happened around XXXX XXXX XXXX XXXX so they couldnt get the file approved for a Thursday closing date. Then I had to reach out again on Tuesday XXXX to my loan officer to ask the status of the loan and she said they had questions about our rental property which I had clearly explained in the application process that the tenants were moving in XXXX XXXX and I had submitted a copy of the lease agreement. They also had questions about an allotment on my paycheck which went to an investment account. Which they also had statements for. So basically it sounded like they didnt even begin reviewing documents until the Appraisal was final. Now we have to again ask the sellers to extend closing even further to the right. During the time after our original closing date of XXXX we have been forced to stay in hotels until we could close. Our experience with Navy Federal has been horrific and I will never bank with them again. | ||||||
| 10/29/2019 | Yes |
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| This complaint is regarding Navy Federal Credit Union and their excessive account fees, reordering transactions to cause more fees, then charging returned item fees while Im also getting charged returned payment fees from the creditor. In the end, causing me to pay triple the amount of debt owed. Then, after just months of overdrafting when although NFCU was reordering items, charged me thousands of dollars in fees, didnt disperse money and or send transactions as agreed per signed account agreement and elected overdraft/debit card coverage, they decided to close my account without proper notice leaving me with ZERO access to years of account history, statements, payments, refunds, my direct deposit sent to them monthly, and any action ever taken on or for that account. I asked multiple times if they could provide access and I received a response telling me maybe later on I could try to apply for a new checking account. In addition to this account they have been collecting on two credit cards NFCU inaccurately reported as late over the past year, accruing erroneous fees, interest, and unnecessary/excessive charges. They email me with my combined statement and I cant even access it. Also, they have called me excessively over the past year attempting to collect on all the accounts even after the credit cards had been paid on. I had to change my number due to the fact that I was receiving over 20 calls a day. Navy Federal has also obtained my credit reports without my consent multiple times a month each month accounting for about 25 hard credit pulls on each report. That is fraudulent and illegal. Ive attempted to contact NFCU regarding all of the above via secure message, phone, and filling out a financial hardship form they requested from me a little over a month ago that I sent in right away. After sending it in, they called and left a message on my home number which was short and did not offer the financial, credit relief, help they advertised to me before I filled out the form. It was misleading and misrepresentation of what they were going to offer me in attempt to collect more information from me and collect more money from me. In no way did they offer help, actually, right after I filled this form out NFCU reported BOTH OF MY CARDS as derogatory 150 days past due or charge offs. I had financial hardship ONE MONTH, during Christmas of 2018 where I was going through a divorce, attempting to push my way through school as a single parent at the age of XXXX, and had my hours cut unexpectedly from my job of EIGHT years. The one month I had some financial difficulties, they cost me so much in fees, interest, account closure, returned payments, etc., and have been impossible to resolve this with ever since. | ||||||
| 10/29/2021 | Yes |
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Web | Servicemember |
| XXXX - Four separate {$1000.00} electronic checks were deposited into my checking account from an unauthorized source. I contacted Navy Federal Credit Union on XXXX about those checks and made them aware that I did not deposit them and was not sure where they came from. XXXX - Navy Federal Credit Union closed my checking account. XXXX - They reassured me that all of the money that was originally in my checking account would be transferred to my new checking account. I was told that once the money ( {$1800.00} ) was transferred to my new account I would be able to continue to use my checking account as I normally do. XXXX - Navy Federal Credit Union transferred {$3700.00} total to my new checking account. This was the total of two paychecks in my account. XXXX - NFCU removed the 4 {$1000.00} checks from my checking account. XX/XX/XXXX - NFCU pulled {$2300.00} from my checking account to pay an " outstanding balance '' on my old checking account. I was never informed about this negative balance and I am not aware of how this checking account was drawn to a negative balance. XX/XX/XXXX - NFCU pulled {$1000.00} from our joint checking account to pay off an outstanding balance on my new checking account. This withdrawal was also not authorized and I was never notified that NFCU was going to be moving money from one account to another. XX/XX/XXXX - I contacted NFCU regarding the discrepancies in checks deposited/withdrawn and the negative account balance. I did not spend money to cause my checking account to go negative {$2300.00}, and I discussed this issue at length with NFCU and assured them that any transactions or money transfers were not done by myself or authorized by myself. NFCU refuses to provide me with information as to where this money was spent, when it was spent, and by who it was spent. NFCU tells me that there is nothing they can do and that I am responsible for the {$2300.00} that has been spent. In addition, NFCU removed {$1000.00} from our joint checking to pay off a negative balance that I did not cause. They have now misplaced {$3300.00} and they are telling me that there is nothing they can do and that I am fully responsible for their mistakes. I have made them aware that I fully intend to file a formal complaint and/or police report. XX/XX/XXXX - My wife transferred all remaining money ( {$2200.00} ) to her savings account to prevent any further losses from our shared account because we do not trust our bank. It is a shame to admit that we do not trust our financial institution to properly handle our money and defend us in the setting of fraudulent charges. *ALL copies of deposits, transactions and withdrawals from the accounts mentioned above can be provided upon request. | ||||||
| 05/13/2017 | Yes |
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Web | Servicemember |
| ISSUE : Request assistance in getting refunded {$420.00} of the full purchase price of $ XXXX for Web Order Number : XXXX XXXX WATCH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Part Number : XXXX . Attempted to resolve issue directly with XXXX on multiple occasions from XXXX XXXX XXXX . Then sought resolution by submitting request to open an investigation XXXX XXXX XXXX with credit card issue r ( See Attached FILE XXXX ). Credit Card issuer applied a temporary credit back to my account on XXXX XXXX XXXX . Below is the last reply to credit card issuer in response to correspondence informing of action from response from XXXX ( See Attached FILE XXXX ). NAVY FEDERAL CREDIT UNION Credit Card Chargeback and Resolution XXXX XXXX XXXX XXXX , VA XXXX RE : NFCU Correspondence Cre dit Card Dispute with XXXX Online dated XXXX XXXX , XXXX Request an extension to suspense to reply to keep case open stated o n NFCU correspondence referenced on subject line. I have returned from a trip to Florida and today opened the NFCU correspondence with a suspense t o respond by XXXX XXXX , XXXX . Based on the evidence provided and NFCU correspondence dated XXXX XXXX , XXXX , I had no expectation of receiving any other action regarding this case and quite surprised o f NFCU r esponse to remove the temporary credit. XXXX Response : Dated XXXX XXXX , XXXX , states The customer also received credit in the amount of {$50.00} for the XXXX + for the original watch to the original form of tender. Also stated There is no record of the customer returning the XXXX Watch XXXX XXXX XXXX XXXX XXXX XXXX Ny. Rebuttal : Evidence presented is self-evident clearly showing that both of these statements are false. I have provided invoice evidence that I have paid twice for the same XXXX XXXX XXXX Watch. Simple question for XXXX is to show where I have been reimbursed for the remainder of the Online Credit {$470.00} minus the {$50.00} ( which was refunded correctly to original tender ) of {$420.00}. The evidence provided shows clear and unmistakable error by XXXX for non-refund of a returned XXXX product in accordance with XXXX Sales and Refund Terms and Conditions listed under XXXX tandard Return Policy XXXX Watch Returns. My expectation is for NFCU t o fairly act, based on the preponderance of facts provided, to make temporary credit final to fully reimburse my account for the returned XXXX product. If this action is not resolved based on the evidence provided I will seek resolution from the Consumer Finance Protection Bureau ( CFPB ). Your assist ance in this matter is greatly appreciated. | ||||||
| 12/14/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022, I wrote : To Whom It May Concern : I sent a letter to rescind my contract for the above loan number ending in XXXX to XXXX XXXX XXXX XXXX XXXX late XX/XX/2022. It was received by XXXX XXXX XX/XX/2022. I have proof of this, as the Certified Receipt was returned to me with a signature by an employee of XXXX XXXX. I have since received countless phone calls from XXXX XXXX requesting payment for the loan mentioned above. I requested someone from XXXX XXXX XXXX XXXX to give me a call or contact me regarding my claim to rescind the contract. Each representative, including supervisors from various departments claimed they did not have a contact number or email that was directly to the corporate office. I am displeased in discovering that information as that speaks to the integrity of XXXX XXXX as a whole that is unwillingly to deal with special circumstances that a lower-level tier departments are unable to do. I made referenced to 15 U.S.C. 1635 ( a ) ( b ) ( f ) and all information pertaining to that law to back my claim to rescind. XXXX XXXX never provided forms of rescission to me, nor did they make my right to rescind clear and conspicuous, as stated by the law mentioned above. As of this result, I wrote a letter to rescind, and XXXX XXXX had 20 days to come and pick up the property mentioned ( XXXX XXXX ). As of XX/XX/2022, they ( XXXX XXXX ) did not come, therefore, by LAW including EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256 the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or summary. Meaning the property ( XXXX XXXX ) is now mine free and clear of any past/future due payments. As well, I will make mention that I have never been late on any payments, but XXXX XXXX has continued my payment as late and now in default. This I may add, is a defamation of my character, as it has now hit my credit report. I am now having to explain a false statement made by XXXX XXXX to other lenders because I am now looking for a vehicle to buy. I feel targeted by XXXX XXXX putting false statements on my credit report because they will not adhere by the laws, rules, and regulations given. I need someone to contact me within 10 days of this notice so that we can resolve this issue and move forward with the receipt of my just due Title to the vehicle. Otherwise, please accept this letter as my intent to sue by means of my defamation of character and not adhering to my rights to rescind said contract. Everything above is what I sent to the corporate office, and they continue to deny me my rights set by law. They are harassing and bullying me with phone calls and scare tactics of repossessing my vehicle. | ||||||
| 04/28/2020 | Yes |
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Web | Servicemember |
| NAVY FEDERAL CREDIT UNION I HAVE A CREDIT CARD ACCOUNT WITH NAVY FEDERAL. MY LIMIT IS XXXX. I ALWAYS PAY MY CREDIT CARD AMOUNT OFF EVERY MONTH. WHEN I SPOKE TO AN NFCU AGENT TODAY, XX/XX/XXXX SHE LOOKED AT THE CRITERIA I SPOKE ABOUT AND INFORMED ME THAT UP UNTIL TODAY, FROM XX/XX/XXXX TO XX/XX/XXXX XXXX I HAD DEPOSITED XXXX INTO MY CREDIT CARD ACCOUNT. SHE LOOKED INTO AND STATED SHE ALSO FOUND AN ERROR. SHE COULD NOT FIND A XXXX DIFFERENCE. I FEEL THAT MY ACCOUNT IS BEING TAMPERED WITH. I AM A VICTIM OF FRAUD AND NFCU DOESNT LOOK INTO IT THOROUGHLY. I WOULD LIKE 3RD PARTY INTERVENTION. I PAY MY CREDIT CARD AMOUNT OFF EACH MONTH. DURING THE PERIOD OF XX/XX/XXXX UNTIL XX/XX/XXXX I DEPOSITED XXXX I DID NOT PURCHASE ANYTHING LARGE OR UNUSUAL. THIS IS NOT NORMAL FOR ME. I USUALLY IMMEDIATELY ADD MONEY TO MY CREDIT CARD ACCOUNT TO KEEP IT UPDATED SO I CAN CONTINUE TO USE IT AND KEEP A GOOD CREDIT SCORE. THIS IS WHERE MY PROBLEM IS I BELIEVE. I REALIZED I HAD DEPOSITED XXXX. WITHIN 5 WEEKS. WHEN I CALLED TO FIND OUT WHAT WAS GOING ON I WAS GIVEN VAGUE DISTURBING ANSWERS. AFTER TRYING TO FIND OUT WHAT WAS GOING ON I NOTICED THAT THERE WAS A CHANGE TO MY CREDIT CARD ACCOUNT. THE CHANGE WAS THAT I NOW OWED XXXX $ FOR XX/XX/XXXX AFTER DEPOSITING ALL OF THAT MONEY. I CALLED NFCU AGAIN. I NOTICED AFTER I MADE THAT CALL THE XXXX $ PAYMENT WAS REMOVED. THIS US DISTURBING. I DO NOT UNDERSTAND HOW I SPENT XXXX IN 7 WEEKS WHEN MY CREDIT LIMIT IS XXXX AND I CONSISTENTLY PAY IT OFF. I WROTE TO THE NCUA AND THEY STATED THAT AFTER CAREFUL CONSIDERATION, MY CASE SHOULD BE REFERRED TO THE CFPB. I BELIEVE I AM MISSING MONIES ESPECIALLY SINCE I WAS INFORMED THAT THERE WAS A XXXX $ DEFICIT ON XX/XX/XXXX BY A NFCU AGENT SUPERVISOR.. THE REASON I CALLED TODAY WAS BECAUSE I NOTICED A DISCREPANCY. THERE WAS XXXX BALANCE AND A XXXX XXXX $ PENDING TRANSACTIONS. I ADDED THIS AMOUNT UP. IT CAME TO XXXX. I SUBTRACTED THIS FROM FROM XXXX, MY CREDIT LIMIT THE AMOUNT WAS XXXX. MY AVAILABLE BALANCE WAS XXXX. WHEN I CALLED NFCU AND SPOKE TO AN AGENT. I THEN ASKED TO SPEAK TO A SUPERVISOR. AS I WAITED I PULLED UP MY STATEMENT AND LOOKED AT MY STATEMENT AGAIN. THE BALANCE HAD NOW DROPPED DOWN TO XXXX. I COULD NOT UNDERSTAND IT. I SPOKE TO THE SUPERVISOR OF MY CONCERNS. THEN SHE STATED THAT SHE WOULD HELP ME. SHE INFORMED ME AS OF TODAY I HAD DEPOSITED XXXX INTO MY CHECKING ACOUNT AS OF XXXX XXXX. SHE INFORMED ME ABOUT A XXXX DEFICIT. INCIDENTALLY.. IT SEEMS THAT WHENEVER I GET A LARGE SUM OF MONEY I AM MISSING MONEY IN SOME FORM .ON XX/XX/XXXX, I RECEIVED A DEPOSIT OF XXXX. I IMMEDIATELY PUT XXXX IN MY CREDIT CARD ACCOUNT. BY XX/XX/XXXX I HAD ADDED AN ADDITIONAL XXXX. WHERE DID IT GO I WOULD LIKE CLARITY IN THIS MATTER. | ||||||
| 07/10/2019 | Yes |
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| On XX/XX/2019, I sent Navy Federal Credit Union ( NFCU ) a written request for debt validation under the authority of Fair Debt Collection Practices Act, 15 USC 1692g, in connection with a debt collection letter I received from NFCU on XX/XX/2019. Today, XX/XX/2019, I received a letter from NFCU dated : XX/XX/2019 that states that they have reported my account to the major credit bureaus, despite their failure to validate the debt, or prove their claim. I have attached the letters as part of this complaint. Possible Intent : NFCU did not respond in good faith when I disputed a {$2000.00} charge on my credit card in connection with services that were not provided as promised/agreed. After unsuccessful attempts to address the problem directly with them including documentation of violations of the Fair Credit Billing Act by them, I filed a complaint with the CFPB. Again, their responses were not in good faith. Ultimately, the CFPB added my complaint to its Consumer Protection Database, shared it with the Federal Trade Commission, who added my complaint to their database for state and federal law enforcement agencies. After that, the CFPB directed me to contact XXXX XXXX, a consumer-protection investigator in DC 's Attorney General 's Office. Mr. XXXX asked me to again try to resolve the issue directly with NFCU. I wrote them letters, but again they did not respond in good faith. Rather they continued to fabricate accounts. Mindful of my interactions with NFCU, I think that it is probable NFCU illegally reported their bill for the checking account to the major credit bureaus to continue their pattern of attacks against me. Perhaps they believe that by attacking my credit worthiness, and sullying my reputation, others businesses and organizations will likewise attack me, or cheat me in my interactions with them. They may hope that I will be bullied into silence for fear of attacks from them and/or their accomplices, so they can dually avoid accountability for defrauding me of my right to recover the {$2000.00} payment, as well as deprive me of my rights that exist to guarantee that no one can treat me this way. This is a statement of a hypothesis that I have confidence in. To the extent that it is reasonable, I will share the evidence of my claim as appropriate. NFCU likely knows that their actions are illegal. However, hopefully by sharing this information with them, they will cease and desist, rather than continue their pattern of criminal conduct and unethical dealings. I have attached the documents that prove my claim in connection with their recent actions. I can also make available the documents that relate to my previous complaint, as well as other evidence that record my interactions with NFCU. | ||||||
| 10/09/2023 | Yes |
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| Me and my mothers are VICTIMS of lender negligence and malpractice. Navy Federal Credit had -Wrongful failed to honor a loan commitment ; -Deliberately creating numbers in Underwriting to create a high dti which did not exist - Improperly changed terms and rates without giving proper notice or following proper legal procedures ; - Breached a fiduciary duty to close knowing our deposit would not be returned if defaulted on closing. My mother and I complained to CFPB on XX/XX/XXXX ( online XX/XX/XXXX # XXXX ) when there still was a chance we could still get the townhome if NFCU cleared XXXX as the selling price. I emailed XXXX XXXX and 5 other managers on XX/XX/XXXX no response to emails or calls. A guy from security told me to stop calling and I would receive a letter. My closing attorney XXXX XXXX XXXX XXXX had spoken to XXXX XXXX before who said the head underwriter was reviewing and would get back to him, and did not. So XXXX sent her a letter & email to warn her that the seller had a cash buyer and would be keeping my deposit. No response, so the townhouse was sold on my birthday XX/XX/XXXX. A week after we receive a letter stating loan declined because of dti. This was a false claim as we have emails and documents of the rate lock, all tasks completed and we had certificate approval from the HOA. There was no legal reason not to close and we were discriminated. My mother is devastated as we had to move our belongings into storage as we moved XXXX from XXXX XXXX XXXX for the scheduled closing on XXXX. NO ONE at NFCU has followup or even called the closing attorney. We had to hire another lawyer to file a lis pendens but it was too late, so we lost {$1000.00} more retaining attorney, then {$2000.00} mortgage processing fees and none of this rejection made any sense. At the time of closing we had over {$300000.00} in NFCU savings and the mortgage was for {$360000.00}. We have a low dti as we have homes paid off. My mother was downsizing into her dream home when the rates were XXXX %. Now the value of the home is $ XXXX and rates at XXXX %. We did not want any lender, we wanted loan where our money is saved for autodeposits. It makes no sense how a XXXX XXXX XXXXXXXX who just lost her XXXX husband can get denied and left homeless. NFCU should be penalized and forced to pay us to purchase a comparable home because this error was a major defeat. XXXX XXXX real estate is hard to acquire, and a waterfront townhome under {$500000.00} will never find again.. it was a once in a lifetime opportunity because I knew the HOA president . There was atleast 4 offers on that house the first day it listed. We are very dissappointed and hurt by NFCU and how loyal clients are treated with no value or respect. | ||||||
| 10/12/2023 | Yes |
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Web | Servicemember |
| The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is explained how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' | ||||||
| 10/05/2022 | Yes |
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| All alleged " loans '' are closed at signing stop violating consumer rights violating UCC and USC laws and the Treaty of Peace and Friendship 1787/ 1836 of which im a party to. NAVY FEDERAL CREDIT UNION and Agents have received due process of my dispute and have defaulted already and still have not sent me a Certificate of Satisfaction of which I DEMAND. Unconstitutional practices of these alleged banks that are financial institution are violating natural peoples rights with false and misleading documents and felonious activities of Securitization using misleading documents. We Know we are the original creditors and all alledged debt is generated of the credit of the living consumer signature in thus there is no loan and any installments are to be deposited to the original creditors of which all Corporations are Bankrupt and operating off fraud activity in no way can an alledged Financial institution under USC UCC laws charge a fee for an alleged paper draft called a promissory note. Of which this institution is in willful violation of my rights as a consumer rights and are continuing to violate my rights after i have put them on Notice and they Defaulted and failed to conduct business in a proper way. HJR 192/USC/ USC/U.S . Constitution/ State Decisis case laws/ ( violations ) and Fraud - I demand ( Remedy ) Refund And There Certificate of Participation also Certificate of Satisfaction for any alledged obligation to sent certified mail to a location on file. I am Competent they are acting in Fraud i demand Remedy and they have been Noticed. All Affidavits have been received and all evidence is recorded and ready to proceed. I demand Settlement Setoff Discharge Offset Closure and Remedy Immediately. Stop Coercion and deceit NAVY FEDERAL CREDIT UNION AND AGENTS and attempt at injuring me for enforcing my birth rights in business activity or personally will be recorded and reported for any attempts to hinder coerce deceived or hinder me or any negative activity against me or my estate in reversion will be an willful violation of my rights and is recorded in this complaint against you Agents of NAVY FEDERAL CREDIT UNION and the foreign corporate construct itself. Refund all credits to the account on file Immediately mail all documentation to the location you have on record immediately and send the Certificate of Satisfaction immediately. Remedy is Demanded immediately public and private. I demand NAVY FEDERAL CREDIT UNION and agents to DISCLOSE all credit entries created from the social security number used on this alleged loan account and all information on the private side of the books at this institution involving the social security number in use FULL DISCLOSURE IS DEMANDED. Return all proceeds. | ||||||
| 11/10/2023 | Yes |
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| [ Navy Federal Credit Union ], violated the Truth in Lending Act ( TILA ) and the Uniform Commercial Code ( UCC ), resulting in harm to XXXX XXXX ]., [ Navy Federal Credit Union ], is a corporation organized under the laws of the State of [ Virginia ], with its principal place of business at [ XXXX XXXX XXXX XXXX, VA XXXX ] .On [ XX/XX/XXXX and XX/XX/XXXX ], Navy Federal and I entered into a retail installment contract, which constituted an auto loan for me to purchase a vehicle. Despite UCC 9-203 outlining the requirements for the attachment of a security interest and UCC 9-310 mandating the filing of a financing statement for the perfection of the security interest, Navy Federal failed to satisfy these requirements. Specifically, they neglected to include the note, the evidence of debt, in the security agreement and did not file a financing statement, thus failing to perfect the security interest correctly. Without informing or gaining the consent from me, Navy Federal initiated a securitization process, which involved the sale of the loan note. This process effectively converted the my loan into an asset-backed security. I demand that Navy Federal produce the original note, demo nstrating that it has not been securitized. TILA, in conjunction with Regulation Z, imposes an obligation on creditors to disclose material terms and conditions of loans to consumers. Navy Federal non-disclosure of the securitization process is a violation of TILA, as established in Jesinoski v. Countrywide Home Loans , Inc., 574 U.S. 259, 2015. UCC 3-301 stipulates that a person entitled to enforce an instrument is either the holder of the instrument, a nonholder in possession of the instrument who has the rights of a holder, or a person not in possession of the instrument who is entitled to enforce the instrument. In this case, Navy Federal, by not including the note in the security interest and subsequently selling the note, is not the holder of the note. Therefore, Navy Federal has forfeited its right to enforce the note under UCC 3-301, which results in nullifying me the obligation to pay the debt. Also the debt has already been paid based on the UCC-1 filed by The federal reserve by me signing the promissory note, extending my credit, and Navy Federal making it a security. As per UCC 3-604, if an instrument is paid by a party obliged to pay the instrument and the party paying the instrument receives a conspicuous statement to the effect that the payment is in full satisfaction of the obligation, the effect of payment is discharge to the extent of payment. In this case, by selling the note, Navy Federal voluntarily discharged my debt under UCC 3-604, absolving the Plaintiff of any liability under the note. | ||||||
| 12/23/2021 | Yes |
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Web | Servicemember |
| I was incarcerated from XX/XX/XXXX through XX/XX/XXXX and designated to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During the time of my incarceration I experienced credit card and debit card fraud : I was advised by Navy Federal Credit Union that there has been {$13000.00} in debit card fraud and $ XXXX in credit card fraud. I did not make any charges nor did I authorize anyone to do so. Due to my location, it was physically impossible to charge or check my accounts since there is no internet access and we were a Covid Red institution so we were on modified lockdown for extended periods. You are not allowed to make toll-free calls either. There was no way for me to have noticed anything was amiss with my accounts. In XXXX, I authorized my elderly mother to use funds from my account to move into a home and thats when I was alerted to the fraud. I went to my camp counselor, XXXX XXXX and made a 1-time emergency phone call to Navy Federal Credit Union . I was advised that fraudulent charges had been occurring since XX/XX/XXXX. I was distraught wondering how the charges could have continued if Ive never used my debit account in that manner & wondered why I was never contacted to determine if the charges were mine? The fraud rep advised me that I was contacted 3 times and I confirmed each time that the charges were valid. This is an even bigger red flag because that was physically impossible since I was in the custody of the XXXX XXXX XXXX XXXX and my phone password was not utilized. All of my cards and accounts have Zero Liability policies against fraud like this. I closed all compromised accounts and cards then opened up fraud claims. On XX/XX/XXXX when I contacted Navy Federal Credit Union to receive copies of the fraudulent charges so that I may file a police report, I was given the great news that both claims for the debit card charges of {$13000.00} and the credit cards charges of $ XXXX were won. My money was deposited back onto my credit card back in XXXX and they told me that my debit card claim was won on XX/XX/XXXX. I had my access reinstated to my accounts today ( XX/XX/XXXX ) and saw that my money is not there. After several attempts at calls to Navy Federal Credit Union ( with several calls with agents coincidentally disconnected even though Im on a home phone ) and multiple different departments looking through my accounts, no one could tell me where my money is. Since the compromised account was closed in XXXX, the money should have been put into the new account but no one can locate it. The fraud rep advised me that there are notes in the system saying the claim was won back on XXXX but no notes saying the money was deposited back. This is absolutely absurd. | ||||||
| 06/22/2021 | Yes |
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| There are two separate incidents, but both involve the Bank 's refusal to credit my debit card for services that were never received. The first is with a company named XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I paid XXXX two payments, one of {$460.00} and one of {$430.00}. For this, XXXX was to republish a book that I had written, build a website, provide me with the login information to manage the website, create and produce a book trailer, and do other advertisements to promote the book. The only thing XXXX did was create a website. They did not give me the information so I can log in myself. They did not publish the book -- it is nowhere to be found on XXXX or any other platform. They did not create the book trailer. I sent numerous email asking about all of the things I paid for and they apologized and stated they would do it. They never did. I requested a refund and then they went away. I filled out a dispute with Navy Federal Credit Union. This was more of a nightmare than dealing with XXXX. On three separate occasions, Navy acknowledged receipt of all my supporting documents, then shortly after closed the dispute for failing to receive the requested documents. Each time this would happen, I would call and let them know of the exact date the items were sent. They would research and then apologize and then reopen the dispute. Finally, on XX/XX/XXXX, they closed the dispute saying " we found no error occurred '' and " you were charged for the amount you owed after receiving merchandise or a service. '' This is obviously not the case. I received nothing, but an inaccessible website. The other incident is with XXXX XXXX and this is even more egregious. I was in XXXX with my fiance. We purchased what we thought was a great vacation package. We soon discovered we were scammed. The package cost {$6000.00}. I paid {$2000.00} with my Navy Federal Credit Union Card and my fiance paid {$4000.00} with her XXXX XXXX XXXX card. As soon as we arrived back to the United States, we attempted to use the package and discovered we could not. We literally received nothing. As with XXXX, I filed a dispute. As with XXXX, the dispute for this transaction was open, closed, open, closed, open, and then closed again. Finally, on XX/XX/XXXX, I received the last notification that the dispute was closed " a notice was sent requesting additional information ... .but it was not received. '' I literally sent them everything three times. I feel that Navy wants me to sue them. I asked for a copy of the investigation which convinces them that services were received. They have failed to provide anything to me. I am requesting that Navy refund the {$2000.00} from XXXX XXXX and the {$460.00} + {$430.00} from XXXX. | ||||||
| 11/14/2017 | Yes |
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| I have an installment loan with Navy Federal, which I have had for over two years. I make monthly payments and occasionally, when I am unable to pay on the due date, I call and schedule the payment to be deducted from my checking account within 30 days of the due date. My loan payment is due on the XXXX of each month and my paychecks are deposited automatically to my account every two weeks. In XX/XX/XXXX, we were unable to pay the loan within 30 days but I knew that I would be able to pay it on XXXX XXXX ( my next pay day ). On XX/XX/XXXX, Navy Federal deducted the XX/XX/XXXX payment ( {$1600.00} ) from my account automatically as soon as my paycheck was scheduled to hit my account. Then on XX/XX/XXXX, they deducted another {$3200.00} from my account automatically and applied it to the loan for the payment due on XX/XX/XXXX and XX/XX/XXXX. This was done without my authorization and without notice. A brief search online reveals that this pattern and practice is rampant by Navy Federal and they routinely access their customers ' accounts to make payments on Navy Federal loans, advising that this was a term of the loan when we entered into the loan years ago. I have now spent 5+ hours on the phone with various representatives to try to have both the XX/XX/XXXX and XX/XX/XXXX payments reversed immediately. But the bank refuses to issue a refund for the XX/XX/XXXX payment ( today is XX/XX/XXXX ) citing that my loan is past due. Note - they deducted the XX/XX/XXXX payment from my account the day after the due date. It took me four hours to get them to reverse the XX/XX/XXXX payment, which again, they applied a full month before it was due. I am on the phone with them yet again and it is unreasonable to expect anyone to have to spend over five hours resolving an issue like this. In addition, this is not the first time this has happened. I have scheduled payments with Navy Federal and their system would still sometimes go into my account and withdraw funds to pay a loan. I would expect that the bank would be required to notify customers BEFORE withdrawing funds from their account, even if the bank believes it is entitled to such funds. They can reach me by email and phone, yet I received no messages indicating that they were going to withdraw over {$4000.00} from my account in a 24 hour period. Perhaps the most frustrating thing about this matter is that it appears that supervisors are unwilling or unable to ever get on the phone to assist a consumer. They are nameless, faceless and voiceless people, who send their responses through the front line representatives even when the decision being made is unreasonable and unfair to the consumer. I ask that you look into this as soon as possible. | ||||||
| 10/17/2016 | Yes |
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| A letter addressed to my wife, dated XX/XX/XXXX from Navy Federal Credit Union XXXX XXXX, XXXX, XXXX stating that a past due amount of {$12.00} needed to be paid to this Navy Federal Credit Union. Threatening statements indicated that late fees would be assessed, and information would be sent to the credit bureaus concerning late payments, missed payments, or other defaults might be reflected on her credit report. We called a toll free number to resolve this because my WIFE NEVER APPLIED FOR A CREDIT CARD from this credit union. We live in XXXX, ane we have never had any dealings with any credit unions. The first person we talked to said the following : A credit card had been issued to an XXXX XXXX at an address of XXXX XXXX XXXX, XXXX, XXXX, with a credit limit of {$25000.00}! This credit card was opened on XX/XX/2016. The {$12.00} charge was a XXXX charge to ship the credit card to the applicant! Supossedly the nexy day, Navy Federal Credit became suspicious, and the account was put on hold. WE WERE NEVER MADE AWARE OF THIS TRANSACTION. THE ONLY NOTICE WE RECEIVED WAS THE LETTER DEMANDING PAYMENT OF THE {$12.00}! I asked why we were not contacted, an I was told that the PHONE NUMBER WAS INVALID. BUT NAVY FEDERAL COULD HAVE CONTACTED US BY MAIL! WE RECEIVED BILLS FROM NAVY FEDERAL WITHOUT ANY PROBLEMS! We made several phone calls to the " fraud department '' of Navy Federal Credit Union. I was completely stonewalled by supposed fraud executives named XXXX and XXXX. XXXX was rude, abrasive, offered no information, and interrupted us several times. Her last comment was we needed to talk to XXXX. When we tried to contact her she was unavailable. We left a message for her to call us back, but she never called back. In conclusion we consider this matter to be ignored and unresolved. It seems that this Navy Federal Credt Union was totally unconcerned with our questions. This appears to be a serious IDENTITY THEFT attack. We we trying to get all the information about this breach, and how it could be possible that this credit union could actually issue a credit card particularly one with such a high amount from a credit union in XXXX to an individual in XXXX without contacting persons that would be responsible for the charges on this credit card! We need as much information as possible in this matter so that we might contact authorities that might protect us. Obviously Navy Federal Credit Union has no interest in advising us at to actions we might take to protect us. I consider the people in the department who verifies credit applictions and are in the fraud department to be useless and incompetent. It distresses me that this company is allowed to use the words " Navy '' and " Federal. '' | ||||||
| 10/21/2017 | Yes |
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| During month of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX members account were transferred to Navy Federal Credit Union XXXX XXXX XXXX. Both XXXX informed us ( members of XXXX ) this is a transfer, informed accounts would be transferred to XXXX. I had loans with XXXX that were transferred : car purchased in XXXX XXXX and personal loan beginning on or about XXXX XXXX, both loan interest stated the same. BUT under XXXX biweekly Car loan {$210.00} ; personal loan {$160.00}. Under account transferred to XXXX car loan {$250.00} and personal loan {$190.00}. I asked why, I was informed that XXXX do not do biweekly payments, they only do monthly payments. Therefore, I could pay biweekly but my amounts will be higher. Well, my monthly under XXXX for car is {$500.00} and personal is {$380.00}. We former XXXX do not understand why, I do not understand why {$160.00} XXXX $ XXXX total ) and {$210.00} XXXX {$420.00} XXXX can increase if the interest stayed the same and the accounts were transferred. All I was informed through written ( and verbal, after I questioned the increase is that the accounts would be transferred XXXX. XXXX explanation is that they do not do biweekly payments. But they merged with and accepted members who signed contracts and accepted loans based upon the loan agreement at/for a certain amount. When I informed XXXX that to me, the name of the company I am paying changed but not the amount of the payments ... similar to a mortgage that is transferred. I was told no, it 's not the same. I am asking for someone to explain how account payments signed and in progress can be increased because the company do n't do biweekly payments. Should n't this have been discussed prior to their merger and transfer of accounts? Should n't we/I have been informed so that I could have tried to find a credit union with similar terms? Most of all, is this legal? Now, XXXX is sending me promissory letters/contracts with their new amounts requesting I sign. I have the amount in savings because I do not want to default on the loans ( the payment is due XXXX XXXX ) ; but I disagree with the $ XXXX that XXXX is asking XXXX to pay. I informed XXXX that I would be filing a complaint with this Agency seeking an investigation into what they are doing to the former members of XXXX. Under XXXX in my loan agreements my final/last payment for car is {$170.00} and personal loan is {$120.00}. Can provide contract loan agreements to your XXXX. It is not just me, there are a lot of us " former XXXX members whose loan payments have now changed since this transfer to XXXX. I really want you to publish my information because every person/consumer need to know and learn what can or might happen with a XXXX XXXX transfer. | ||||||
| 10/18/2018 | Yes |
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Web | Servicemember |
| I had a ( NFCU ) Navy Federal Credit Union GoRewards Master Card that I open in XX/XX/XXXX and had enrolled in their Payment Protection Plan sold and enrolled by ( NFCU ) Navy Federal Credit Union and administrator by XXXX XXXX XXXX in XX/XX/XXXX and had maintain coverage during the life of the account the cost for coverage was {$.00} per every {$100.00} of the monthly balance. The program was sold as a insurance program offered by NFCU that covered death, disability, and or involuntary unemployment. Details are that this coverage would make the monthly payments during the coverage event and its duration and would pay off the account balance as a full debit cancellation in the event of death and or disability. In XX/XX/XXXX I was involved in an auto accident that caused me to become XXXX and unable to work and return to work I was on XXXX and XXXX until XXXX XXXX and Under Social Security Administration I was deemed XXXX XXXX XXXX XXXX and because eligible for XXXX benefits. XXXX had some delays in benefits award and payment and wasn't resolved until XX/XX/XXXX. XX/XX/XXXX I initiated the claim and again resubmitted medical information on XX/XX/XXXX for that claim. I had file a claim through NFCU and its payment protection plan serviced by XXXX. According to some records, XXXX and NFCU applied some payments under the plan that were in consisted with their payments and coverage from XX/XX/XXXX to XX/XX/XXXX and then close the claim with no reason and in breach of the terms and conditions and coverage that was offered. NFCU further the breach of this sold and paid for service by pursing addition financial account charges and fees in addition to the negative reporting of the account and collection reporting and actions on this account when it was a coverage event under the terms it was sold and purchase to me and the debit was to be canceled by NFCU and XXXX under the XXXX debit cancellation coverage program. NFCU and XXXX failed to provide the service sold and purchase under this plan, coverage, and benefit for cardholders and members. Which is not only a break in contract but also a violation under the Fair Credit Reporting Act ( Reporting Inaccurate Information ), the consumer protection act ( Providing a level of protection as their customer, and being billed for services that are not being render ), fair debit collection practice act ( Collection on a debit that isn't correct ), Fair Credit Billing Act ( Billing and Charge for services that were not fully render as agree ) and possible other regulations. This issue has gone unresolved and the debit has yet to be cancel as per the terms of the program. I have some supporting documentation to provide in regards to this matter. | ||||||
| 11/29/2023 | Yes |
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| Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Navy FCU you furnished alleged transaction ( s ) on my XXXX, XXXX XXXX, and XXXX that you identified as late. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : NAVY FCU ACCT # XXXX NAVY FCU ACCT # XXXX Without Recourse UCC 1-308 | ||||||
| 08/15/2022 | Yes |
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| On or around XX/XX/2022 I applied for membership to Navy Federal Credit Union. On the very next day I received an email requesting verification with a link to submit the verifications. The link to submit did not work even days later and other computer systems later, so I called them and was informed of a new link. I submitted the verification documents as requested on the XXXX and I received an email of denial on XX/XX/XXXX and their explanation was that the denial was based on the information submitted. So I decided to be extremely thorough with my next application. Made sure everything was sufficient and triple checked for accuracy. I submitted my second application with them that same night. Figuring that a passport and insurance documents did not meet their standards I decided to submit my drivers license and registration. On XX/XX/2022 I received an email from their credit union stating that they had received my documents and once approved, I will be receiving my membership documents within 10 business days. I applied the first time and got a decision within the first week of applying so on XX/XX/2022 I contacted them to inquire about my application status and to verify if something else was needed to be submitted. I was informed by their representative that they had all the information they needed to complete my application process and that they will be emailing me within a couple days with next steps. By XX/XX/2022 I still had not received any communication from Navy Federal so I contacted them again to re-check my status and to make sure there was nothing more needed to make the process a success. I was informed again that they apologized, there was nothing more to send and I should be receiving an email with membership details within a day or two. On XX/XX/2022 today, I still have not received any information regarding my application so I contact Navy Federal again to find out my status. After being on hold for 20 minutes and leading me on for weeks they come back and tell me I was denied again. I asked to speak with someone to explain to me what could have possibly went wrong when I just was told in my prior conversation with them that everything regarding my application and applying was everything they needed to finalize my application process. Not only did they deny me but they refused to give me a reason or send me an email related to my application status. I am left under the impression that they have met their secret membership quota of my XXXX XXXXXXXX and that is the reason I was denied since their is no other explanation given. I reserve the right to know why I was denied especially since I made sure several times that the application was as accurate as possible. | ||||||
| 05/23/2018 | Yes |
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| moneay XX/XX/XXXX I called my insurance company to get to get a refund of over payment of a check in the amount of {$620.00}, the insurance agent told me they need my bank statement in order for them to issue me a check the same day before cashing my check they needed to verify that when they deposited my check there was enough money in my account, they requested a current bank statement. I placed about a four minute phone call to navy federal to request statement be faxed to me, which they did then I faxed to my insurance agent which is the supervisor of that department. Later on I discover fraud charge on account of {$180.00} I called bank again to report. The initial person stated that my card was used online transaction she reordered new card said it would come via XXXX expedite shipping within 2 days, she then told me to enter new pin number into phone so it would be ready to use as soon as I got which I did follow the instructions, I was then connected to fraud department to continue with reporting, a man asked several questions and told me transaction was not done online but was swiped/ chipped I told him I was never on XXXXhe asked if I lost card I checked and still had card in purse and I don't believe any family would use my card. on XX/XX/XXXX I am doing web bill pay transaction and see there is a message dated XX/XX/XXXX stating investigation is complete and they are holding me responsible for charge located at store in XXXX, since I was already online with site open I immediately made call to bank since their message states " as a consumer I have the right to request any documentation that was used in the decision '' while I was requesting the " documentation '' on the phone I was also typing the request for the same documents on the website message system, I also stated that as of date new card has not yet arrive so she checked and said it was sent out via regular usps and needed 4-5 more days to arrive, I told her unacceptable I want my card sent via XXXX as I previously requested she once again placed order for new card stating she would cancel one enroute so it can not be used arp gain asking me to enter new 4 digit pin for the card because she noticed that the closest branch was such a far distance away from my address which I demand I would not do I would go to bank to active my card, I then requested that they provide me a letter on this and past reported cases of fraud by me that required a new card they responded with the new message on site that I would be the one to submit any evidence in the appeal process but they didn't provide to this day the documents I requested for their decision nor my request letter of which I also have proof that will be submitted | ||||||
| 01/11/2023 | Yes |
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| On XX/XX/XXXX, XXXX phone calls were made to Navy Federal Credit Union at around XXXX XXXX to question why money/funds were not returned back to Savings Account by Navy Federal Credit Union as required with a service offered by them known as XXXX XXXX XXXX XXXXXXXX XXXX XXXX transaction date of XXXX XXXX. An amount of {$8.00} was transferred from XXXX Account XXXX XXXX XXXX Account on XX/XX/XXXX. The amount transferred was the XXXX payment towards the XXXX XXXX Account. Initially, the XXXX customer representative spoken to acknowledged that there was an amount of {$8.00} which was transferred and paid towards the XXXX XXXX Account, and that the reason why it was not released or returned to me is because the transaction was identified and categorized as a different type of transaction. I was placed on hold so that she would resolve the matter, but the phone call was disrupted by a concluding automated survey. An attempt to reach out to Navy Federal Credit Union again was made on same date of XX/XX/XXXX at around XXXX XXXX and spoke to a XXXX customer representative. The XXXX customer representative claims that due to having numerous transactions on account, she assumed it would be difficult to see the release of the funds. There is no proof that there was a release of funds or return of funds and a request was made to the second customer representative to provide such proof because there should be for documentation purposes to have proof that there was an equal exchange between lender and borrow. The second customer representative dishonored the request. Therefore a request to speak to the supervisor was made. The second customer representative on the same phone call transferred the concern and subject matter of this complaint to the supervisor as requested. It was explained to the supervisor the concern of the funds not reflecting on the savings account after payment towards the XXXX loan. The supervisor claims the money has been released and it may not be able to be seen due to the " high amount '' of transactions within that time frame. This information is conflicting due to the fact there is no proof that there was an increase in the savings account balance where Navy Federal Credit Union was to return the funds owed. A request for confirmation of the funds that certifies that the funds were returned or released was made and the supervisor dishonored and refused request. The supervisor unprofessionally goes on to threaten the consumer that she will be hanging up the phone due to her inability to fulfill her fiduciary role as XXXX for the Consumers account, which includes providing proof or confirmation of funds ever being released/returned to the consumer as obligated. | ||||||
| 11/30/2023 | Yes |
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| Subject : Unauthorized Credit Accounts and Violation of TILA I am writing to bring to your attention a series of concerning incidents that have occurred while I was incarcerated in a work program by the FDC. It has come to my attention that several credit accounts were opened without my knowledge or authorization during this period. I would like to provide a detailed account of these incidents and seek your assistance in resolving these matters. Firstly, in XXXX, I filed a tax refund check with the IRS. Due to the verification of my identity, the refund was not released until XX/XX/XXXX. However, during this time, my checking account with your institution was closed. It has come to my attention that Navy Federal Credit Union did not return the {$5300.00} check to me. Instead, it was applied to my credit card account. I want to emphasize that I never signed any disclosure granting a security interest in my checking or savings account, nor is there any record to support this action. Furthermore, I took the necessary steps to protect my credit and financial information by notifying the credit bureau in XX/XX/XXXX about the fraudulent accounts that were opened without my consent. This was done in accordance with the proper procedures to block the information associated with these fraudulent accounts. It is my understanding that Navy Federal Credit Union 's action of applying the {$5300.00} check to my credit card account, without returning the funds to me, may constitute a violation of the Truth in Lending Act ( TILA ). I have taken the initiative to file a police report and an FTC report regarding this matter, which I have attached for your reference. These reports provide additional evidence of the situation and highlight the potential violation of TILA by your institution. I kindly request your immediate attention to this matter. I would appreciate a thorough investigation into these incidents and a prompt resolution. I request that you provide me with a detailed explanation of the unauthorized credit accounts, the handling of the tax refund check, and the application of funds to my credit card account. Additionally, I would like any charges or fees associated with these actions to be reversed, and the {$5300.00} check to be returned to me. I am open to discussing this matter further, and I would appreciate your prompt response within [ specify a reasonable timeframe ]. Please provide me with a written acknowledgment of this letter and a timeline for resolution. Thank you for your attention to this serious matter. I trust that you will address these concerns promptly and take the necessary actions to rectify the situation. I look forward to a satisfactory answer. | ||||||
| 11/08/2022 | Yes |
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| I am a federally protected consumer as defined under the FCRA. Navy Federal, XXXX, XXXX, and XXXX are financial institutions as defined under 15 USC 6827. None of these companies ever provided me with the adequate disclosures required by law of my rights to privacy and to opt out of sharing my non public information ( Non public information is .Any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; C any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or C any information you get about an individual in connection with providing a -5- financial product or service ( for example, information from court records or from a consumer report ). It is their duty to give me these disclosures clearly and conspicuously in accordance with federal law. In the case FTC XXXX XXXX XXXX further proves the above entities are financial institutions and are to comply with the disclosure requirements under GLBA. The case further stated ; The GLBA restricts the ability of a " financial institution '' to disclose NPI to a nonaffiliated third party by requiring ( subject to certain exceptions not pertinent here ) that the financial institution provide the consumer with notice of the institution 's disclosure policies and the opportunity for the consumer to " opt out '' of disclosure. Id. 6802 ( a ) - ( b ), ( e ). The GLBA further mandates that an unaffiliated third party recipient of NPI " shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. '' Id. 6802 ( c ). AS STATED BEFORE I HAVE NEVER RECEIVED THESE DISCLOSURES OF MY RIGHTS TO PRIVACY AND TO OPT OUT. THESE COMPANIES ARE EXTORTING AND COERCING COMSUMERS TO PAY ALLEGED DEBTS AND HARMING THEIR REPUTATION. Lastly, I spoke to several reps at XXXX today who claim they do not have to comply with that law, and for me to contact navy to get the information removed. When I called NFCU they told me to call the CRA to get it removed because they can not. They are all in cahoots to deceive consumers as they have been doing for decades. See the attached cease and desist to remove my information. Immediately upon receipt. | ||||||
| 10/08/2023 | Yes |
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Web | Servicemember |
| Dear Consumer Financial Protection Bureau, I am writing to provide a detailed account of the events that have transpired between myself and Navy Federal Credit Union, which have led to the submission of this complaint. On XX/XX/2023, I entered into an agreement with Navy Federal Credit Union. As part of this agreement, I diligently fulfilled my contractual and fiduciary obligations, which included the discharge of debt and the transfer of the principal 's balance to the principal 's account. These actions were taken in accordance with the terms and conditions specified in our agreement. However, Navy Federal Credit Union has failed to honor the provisions and obligations outlined in our agreement, despite my full compliance. This breach of contract and failure to fulfill their obligations have resulted in significant financial and personal consequences for me. Based on my legal understanding and the events that have transpired, I believe that Navy Federal Credit Union is currently in violation of multiple federal laws, including but not limited to the Federal Reserve Act, Securities Act, Bills of Exchange Act, Equal Opportunity Act, Consumer Protection Act, and the Constitution. I contend that their non-compliance and disregard for our agreement may constitute actions such as extortion, securities fraud, trust fraud, interference with commerce, malpractice, breach of fiduciary duties, and breach of contract. In addition to addressing these violations and seeking resolution for the breach of contract, I have demanded that Navy Federal Credit Union provide me with a XXXX credit card with a credit limit of {$50000.00}, as originally requested. I believe that such a credit limit aligns with my financial needs and objectives. Furthermore, Navy Federal Credit Union has ignored my Notice of Suretyship, issued on XX/XX/2023, and my Durable Power of Attorney, dated XX/XX/2023, both of which were submitted in accordance with the terms of our agreement. This failure to acknowledge these legal documents further exacerbates the situation and highlights their disregard for their fiduciary responsibilities. Enclosed with this complaint are relevant documents, including our original agreement, correspondence, records of transactions, the Notice of Suretyship, and the Durable Power of Attorney, which serve as evidence of the events described. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these alleged violations. It is essential for Navy Federal Credit Union to be held accountable for their actions and to ensure compliance with federal laws designed to protect consumers like myself. | ||||||
| 10/07/2020 | Yes |
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Web | Servicemember |
| I had a debt owed to XXXX XXXX of about {$8400.00} and separate debt another of over XXXX. The XXXX dollar debt was paid off in XXXX and was for a truck loan. This payment was not authorized, and I was not even so much as given a receipt. They are responsible in this case because they lost the title to my truck XXXX they still dont know what happened XXXX and then because I wasnt able to retitle it in a different state they raised my APR by a crazy amount. This is all after I had refinanced the truck with them. They closed the account without talking to me and on my credit report says they settled for less than the full amount which adversely affects my credit score. The XXXX was the remaining credit card debt to be paid. I never talked to anybody about being able to set up payments and before I could talk to anybody about making arrangements the money was taken out of my account without authorization. Obviously they said the bank has authorization after I signed for the card and that they can do basically whatever they want. Every time I call for answers I am bullied around by the collections workers and treated very unfairly, and have even been hung up on when they couldnt get answers. If I had paid off a larger debt to them just a few weeks prior to the pandemic, then I should have the opportunity to set up payments before I am left penniless by the bank. There was no warning that the money would be taken out. Navy federal credit union has a huge history of wrongfully collecting debts and bullying customers. A few years ago they were ordered by the courts to pay back tens of millions to families that were robbed and bullied by this institution. I find myself in this very situation that left so many families struggling not able to support themselves. The handling of collections by Navy Federal is disgusting and continues to destroy lives of the people that took years to build up these savings. I believe that I have been wronged in this collections process without an opportunity to make payment arrangements. Especially in times when everything is so uncertain it is an extremely authoritarian and unethical method to reach into someones account and take everything they have. Now they have effectively ruined my credit by processing these funds in the manner that they have, giving me no options and effectively leaving me with XXXX dollars. Its also worth mentioning that the money taken from the account was federal XXXX payments needed for treatments and to get help that I very much need. I hope that my situation can shed light on the corruption that still happens at their institution behind closed doors. It hasnt stopped after the lawsuits, they just found more loopholes. | ||||||
| 07/05/2022 | Yes |
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Web | Servicemember |
| On the XXXX of XX/XX/2022, I received a check for 1 month of work from a man whose house I cleaned. The check was {$960.00} which I thought was a strange amount but disregarded the leary feeling because my boyfriend had also done outside work for him. I mobile deposited the check and instantly got {$250.00}. I used that money to pay on my credit cards and get some gas. Navy Federal held the remaining funds for I believe 5 days. I've never had my funds held for more than one day, even over the weekend. Then again, I had never accepted a personal check from anyone other than my grandmother. When I deposited the check in my account on the XXXX my checking was overdrawn by - {$100.00}. XXXX XX/XX/2022 my checking account was at + {$180.00} and my savings account had {$200.00}. You can imagine my horror when I logged into my account and had adjustments which brought my checking account to - {$780.00}. I talked to two ladies at Navy Federal. They said all I could do was continue to attempt to contact the guy because his account was now closed. I've called and called, I've gone to the house, and it's now empty. The Navy Federal lady said that my account would be eligible to close by XXXX XX/XX/2022 which was about 6 weeks away by then. Having had this credit union for 6 years now and maintaining a 100 % payment history I was extremely worried about losing my oldest account. I agreed to try and make as many payments on it as possible while being unemployed. She told me she would make note of that so that I wasn't harassed by phone calls from Navy Fed. They didn't call again after that whatsoever. I didn't receive an email or anything. I checked my account on XX/XX/XXXX and no longer had my checking account, instead, I now have a combined savings/checking account. I can not get a new checking until I pay off the debt that they took away. The same day this happened I got a {$600.00} payment from the state of Oregon. I knew that payment was coming and had planned on putting the entire amount towards my overdrawn account. Now I don't even have the option to pay towards a positive balance and I can only send money to another Navy Fed account holder The {$200.00} from savings brought my checking to - {$430.00} but not until Navy Federal closed my account without as much as an email. I wasn't alerted in any way that this was going to happen and just now discovered that I owe closer to {$400.00} than the {$700.00} I had thought. I was under the impression that since I had been making payments my account would still be considered in good standing. I'm disappointed with the lack of communication. Navy Fed has always been very good to me but now I'm second-guessing my membership. | ||||||
| 06/07/2022 | Yes |
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Web | Older American |
| I applied to refinance my grandmothers mortgage at the end of XX/XX/XXXX because she has a reverse mortgage that is eating away at her homes equity. I applied online with Navy Federal as her POA. When the loan officer, XXXX, was assigned, I called her directly and left her a detailed message about who I was and why I was applying. She called my phone on XX/XX/XXXX @ XXXX pm asking for my grandmother to call her back. I called her back immediately & she didnt answer. Again, she didnt call me back. Even though she never responded to me, I could still see the progress of the loan that she pushed forward. Every time I got an email asking for something, I immediately uploaded it or responded to it. It just got sent to underwriting a few days ago & today I received a denial package stating that they couldnt verify her identity, credit info, and that her application is incomplete. I am completely confused because no one has called me at all asking for info or trying to verify anything. XXXX only called once & she never responded back to my requests to call/email me back. I placed a credit freeze on my grandmothers credit reports to keep others from being able to open anything in her name. It was lifted when I first applied and for a week afterwards. They were able to pull her credit at least once!!! So, when I got the denial info today, I emailed XXXX and attached the POA that Navy Federal already has on file, my grandmothers ID, and my ID. I also lifted the freeze again for them for a week. They are denying her due to age. Her credit is perfect because I handle her bills, and their mortgage staff does not seem to recognize the powers I hold from being her POA. I gave them everything they needed & they have not communicated with me outside of sending things that needed signature through the portal. No phone calls or direct emails. I asked XXXX how to appeal this denial and, again, no response. I gave her all day to reply before filing this complaint. My grandmother has XXXX and can not handle her own affairs, so they will need to speak to me. I am not accepting the reasons listed for the denial because they were able to verify her ID ( identity already verified before by Navy Federal ), her credit info ( they pulled her credit already & I even had to pay a fee for them to do so ), and incomplete application ( nothing at all was showing in the tasks because I complete them as soon as I get the email alert ). They are making up reasons to deny her when the only issue is her age. I dont even live in VA XXXX so I dont know why me handling this for my grandmother is causing an issue. I handle everything for her. They are simply discriminating & choosing not to honor the POA. | ||||||
| 03/16/2021 | Yes |
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| I entered into a consumer credit transaction with Navy Federal Credit Union on XXXX XXXX. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, XXXX XXXX XXXX a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to XXXX XXXX XXXX, and they are liable for each fdcpa violation pursuant to XXXX XXXX XXXX. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately | ||||||
| 08/06/2018 | Yes |
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| I opened a Navy Federal account with a former roommate who sponsored me who I no longer live with. I'll come back to that later. I had XXXX in personal loans taken out on my credit and deposited via ACH into my Navy account. On XX/XX/XXXX I requested a large amount of cash withdrawal to use these funds for my personal use ( hence, personal loan ). Navy then flagged my account and froze my funds without warning, without anything in writing and left it frozen. They refused to give me a reason or anything in writing or email. They only sent a form to appeal. What am I appealing? Their answers were very very vague and changed from one person to another about verifying my identity. I have alerts on all 3 credit agencies due to a past ID fraud on my social. This is fine if that caused a flag to verify. I then emailed all documentation to prove it was me and they still refused to let go of my funds. They never spoke to me with a clear reason and never once did I receive anything in writing.. They illegally froze my funds and then after 15 days they told me " We can't verify and you need to go pick up your balance in person at the branch via cashiers check ''. Fine. I then returned from vacation to visit the branch and they still had {$50000.00} held back. I then found out without my permission they sent back the money to the loan originator ( one of the 3 loans, so why not send back all??? ). And only after I called the local police did they agree to release to me the remaining {$29000.00} in my account via check. The entire ordeal made me miss payments, rack up late fees and have returns on my account for no reason. I provided all appropriate information and they still handled my account however they pleased with total disregard to policies and informing the client of anything. They did whatever they wanted to me even with all verified paperwork. I am going to join a class action lawsuit seeing how Navy has a large history of mishandling accounts just as they did mine. They were extremely unprofessional and only at the end did they say one reason they froze it was my former roommate told them we don't live together anymore ( you need to be sponsored to open an account ). So what! If they no longer wanted my accounts open due to THAT they should have still told me in writing and then released FULL FUNDS back to me. They abused my account and as I said I had the police arrive at the branch before I was able to retrieve partial funds back all because I asked for cash. The remaining {$50000.00} will be sent back to me via my loan issuer ( because they are professionals ) but this can not go without consequence to Navy. I am willing to prosecute by any means necessary. | ||||||
| 03/09/2022 | Yes |
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| NOTICE : PLEASE BE ADVISED A COMPLETE COPY OF THE BELOW COMPLAINT WAS SENT TO & RECEIED BY NAVY FEDERAL ON XXXX XXXX, XXXX VIA USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX. NOTICE : I WAS NOT ABLE TO UPLOAD THE CONSENT ORDER OR THE DEBIT CARD DISCLOSURE AS THE FILES WERE TOO LARGE FOR THIS PLATFORM. On XX/XX/XXXX, NAVY FEDERAL CREDIT UNION unlawfully, deceptively and without notice, restricted my Debit Card access connected to account number XXXX, violating my consumer rights, the CFPA and CFPB Consent Order No. XXXX. On XX/XX/XXXX ( months later ) NAVY FEDERAL CREDIT UNION notified me of their actions by mail stating that my debit card history demonstrated a violation of the Debit Card Disclosure but failed to specify what action/actions specifically violated the agreement and how. After reviewing the Debit Card Disclosure I could not find anything that that would justify the adverse action taken against me. On XX/XX/XXXX, using their members portal I began sending NAVY FEDERAL CREDIT UNION a electronic message requesting a explanations of the alleged violations so to ensure that they would not be repeated in the future. After going back and forth with NAVY FEDERAL CREDIT UNION via its Member Messaging portal I finally got a response of admission to which I have attached to this complaint titled EXHIBIT B. NAVY FEDERAL CREDIT UNION has a history of being unfair and abusive to consumers and its members. On XX/XX/XXXX, NAVY FEDERAL CREDIT UNION was sued by UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU for its Unfair Electronic Account Access Restrictions and material representations that were likely to mislead reasonable consumers and that is exactly what they are now doing to me. I clearly have good reason to believe and do so believe this is an unlawful attempt to punish me for exercising my right as a consumer to dispute unauthorized transactions which establishes an inability to protect my interest while using this consumer financial product or service. This act is defined as Abusive under of 12 U.S.C. 5531 ( d ) ( 2 ) ( A ) ( B ) and is a violation of 5536 ( a ) ( 1 ) ( B ). These injuries are not outweighed by benefits to me or to competition and my injuries were not reasonably avoidable because NAVY FEDERAL CREDIT UNIONS policies and practices regarding electronic access and service restrictions were not adequately disclosed to me when I opened my deposit accounts and are still not to date. Therefore, NAVY FEDERAL CREDIT UNIONs representations, as described above, constitute deceptive acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ). | ||||||
| 02/16/2022 | Yes |
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| Navy Federal Credit Union has continually held payments that Ive made to cause me to incur fees. For instance, Navy Federal held my XXXX payment for 5+ business days last month to the point that I had to call XXXX to have access to my credit card because the payment was held by NFCU so long. NFCU will hold payments and show payments as pending to try to order the payments smallest times largest and after a few days of holding the payment, it will clear for an earlier date than it was released. So with the XXXX payment of {$1500.00}, I made the payment on XX/XX/2022. It was pending until XX/XX/XXXX and when I went into my account on XX/XX/XXXX, my NFCU account said that the XXXX payment cleared on XX/XX/2022. But XXXX put an alert on my credit card so that Id have to call before using my credit card because NFCU had held paying them so long. The same has happened with my XXXX XXXX payment in XXXX and this month ( XXXX ). I transfer money from my NFCU business checking account to pay my bills. So I transferred {$700.00} from my NFCU business checking on XX/XX/2022 to my personal checking after which I paid my XXXX XXXX Payment in the amount of {$420.00}. When I went to my NFCU personal checking account on XX/XX/2022 around XXXX, I transferred the remaining balance of my personal checking account into my business checking account thinking that all my bills were paid. I awake today, XX/XX/2022 to discover that the XXXX XXXX payment that cleared during the morning on XX/XX/2022 was reversed and the {$85.00} donation to a church was instead paid ( which I admit I forgot about ). When I called the customer service line to confirm that the XXXX XXXX cleared and was paid on XX/XX/2022 I was told by the representative that it cleared as was paid- I think her name was XXXX XXXX I asked for a supervisor whom told me that the bank pays transactions smallest to largest! So my payment was apparently paid and reversed after I transferred the remaining balance of my personal checking account back to my business checking account in the afternoon on XX/XX/2022. NFCU held my transaction to cause me to incur a fee even though the money was available when it was originally cleared on the morning of XX/XX/2022 but reversed it after I transferred my remaining balance to my business checking account in the afternoon of XX/XX/2022. The transaction was apparently paid according to a bank representative that I spoke to around XXXX on XX/XX/2022 and then reversed by Navy Federal Credit Union when I transferred my remaining balance to my business checking. This has now cost me {$100.00} in fees! Ive incurred {$82.00} in fees from XXXX XXXX and a {$29.00} return check fee from XXXX XXXX! | ||||||
| 07/07/2021 | Yes |
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| On XX/XX/2021, I reached out to a lady who provided me the name of " XXXX XXXX XXXX '' who I saw on a group on XXXX advertising that she was a XXXX reseller. She was very attentive and responded back to all my messages in a timely manner, so i figured she was reliable and since others were confirming her work I ended up purchasing XXXX custom XXXX XXXX from her that came up to the total of XXXX through my bank via XXXX. I reached out to her via text from the number she provided to confirm her name and info since the name she provided was different from the name I was seeing on XXXX. She told me that she went by her middle name and everything was fine, I didn't think anything of it since I myself go by my middle name. I sent the money. In the days following, she still kept in communication with me via XXXX telling me she was getting started on them and that she would keep me updated. On XX/XX/XXXX she wrote me saying that there was a delay in one of my shoes and asked me if I minded waiting for all of them to be shipped out at once verses her making two separate shipments, and I agreed. On XX/XX/XXXX, I saw she was selling some more Nikes and decided to purchase those as well, so I made another purchase for 5 more shoes totaling XXXX through XXXX again. She confirmed the funds yet again and said she would send them as soon as she could. During this entire time we had been in constant communication via XXXX messages and text message. By XX/XX/XXXX I realized I had heard nothing from her about the first order nor the second so I messaged her, no response. On XX/XX/XXXX I texted the number that I had for her Asking what was going on because I hadn't heard from her still, no response. On XX/XX/XXXX I texted her again saying If I didn't hear back from her I would dispute the charges with XXXX thru my bank, yet again no response. Eventually, I reached out to my bank in an attempt to dispute the charges since I realized the lady XXXX XXXX XXXX was a fraud, only for them to tell me they don't refund those charges. I was unaware that, that money wouldn't be covered by my bank even though it was clear I was scammed out of my money. Navy Federal still declined to open up a case for those funds even though I told them I could provide the necessary proof to show I had been scammed. I am out of XXXX from a woman who portrayed herself to be a shoe salesman. I attempted to file a police report against this woman but have since been blocked on XXXX and no longer have a picture of her, nor did I have the original XXXX messages so they advised the only thing I could do was file a complaint. I do still however have our text messages to show the message exchange we've had for proof. | ||||||
| 05/17/2017 | Yes |
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Web | Servicemember |
| I have previously submitted compliant XXXX about NAVY FEDERAL CREDIT UNION with respect to their unfair business practices and desire to overcharge discount points contrary to their own guidelines. In an act of retaliation and bullying Navy Federal Credit Union cancelled my closing on X/XX/2017 without ever providing me with notice. I had informed the Credit Union th at no one was authorized to receive communications on my behalf ( enclosed email-notice ) but they still enticed their own attorney to commit Mal-practice by directing them to contact an unauthorized third party about the case and state the following : " '' Per the lender this is where we are at with closing : " If he would like to close with the terms we currently have in place we can reschedule closing. The earliest date we can close would be Monday. We will need him acknowledgement on the CD with no change in the terms. '' As you can see Navy is not going to be changing any of the final terms of the CD. I will need to confirm a closing, if he still wants to close with Navy, ASAP and will just need to update the CD for the new close date and then have him acknowledge it by the end of the day tomorrow. Please let me know if your client would like to close on Monday XXXX or after. If adjustment amounts will change please provide new adjustments to me ASAP so I can send over a new dr aft CD today. " D emonstrating NFCU 's resolution to violate its instructions by refusing to communicate with its own borrower for ov er 48 hours and to even provide the courtesy to inform them that closing had been cancelled as a re sult of its failure to due its due diligence with respect to communications with all parties. It also communicated through its attorneys its attempts to utterly dismiss complaint XXXX and that it would hold on to its desire to violate section C of its Commitment Expiration Policy on the Mortgage Loan Price Commitment Agreement by raising the price for discount points above what was on the document and the prevailing rate of the day ( See attached agreement. Furthermore, it was discovered on XX/XX/2017 Navy Federal Credit Union did not properly disclose to the appropriate party the names of the individuals to take Title to the property to be recorded on the deed of trust further causing delays. On the closing disclosure issued XX/XX/2017 in order to close on XX/XX/2017 Navy Federal attempted to charge the buyer for delays it caused and demonstrated its intent to add additional fees by issuing a new commitment agreement on XX/XX/2017 with higher rates than it advertised despite the fact that the current agreement would not expire until XX/XX/2017 . | ||||||
| 01/24/2017 | Yes |
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| To whom it may concern ; This is now my XXXX attempt to get resolution to my multiple concerns. I have already filed ( XXXX ) CFPB complaints ; Case # 's : ( XXXX & XXXX ). First and foremost, whomever is to receive this complaint please read the previous complaints so that you will have a good grasp s to what has been going on these past two weeks. I have been dealing XXXX XXXX XXXX at NFCU throughout last week. The last time we spoke was on Friday, XXXX XXXX, XXXX. At that time, he had agreed to at the very least have my 30 day late removed from the credit bureau 's and to find a way to stop additional reporting on the XXXX account in question until the investigation of my complaints have been completed. I told him that I was willing and able to come in to a branch a pay my minimum payments of {$330.00} x XXXX ( XXXX, XXXX XXXX & XXXX XXXX ) to total {$1000.00}. I came up with this amount per the Declarations page line # XXXX. In return, he was supposed to get the authority to have the 30 day late removed and to stop further reporting. XXXX XXXX told me that he had a meeting this past Friday at XXXX EST and that he would be getting back with me after this meeting. I have yet to hear from him concerning the status of everything that has been discussed. Furthermore, as of this past Friday, XXXX XXXX, XXXX I called and spoke with XXXX Fraud department to let them know of what was going on with NFCU and that I wanted to dispute my not being late and the effective balance and monthly payment that was reporting to XXXX as inaccurate and additionally based on unauthorized transactions. XXXX at that point filed a dispute on my behalf under the Fair Credit Billing Act which in turn is supposed to immediately stop reporting all data attached to this trade line until NFCU has had an opportunity to investigate further. XXXX XXXX is also under the impression that NFCU has up to 60 days to respond to my CFPB concerns, which is false under the circumstances I have brought forward to NFCU. At this juncture, I simply can not understand why I have been dealing with this for the amount of time I have with NFCU and yet there is still no resolution and not even remotely any consistent conversations with me as a customer. I continue to be told that I will be called back with a " status '' but this has yet to happen. Unfortunately, today is now XXXX XXXX that is reporting my being late with this account and is the last day that we can move forward without irrevocable harm to my credit. How much effort should a customer have to bestow to the creditor in order to pay a debt that is deemed the ethical and more importantly legal amount owed on a monthly basis? XXXX XXXX XXXX | ||||||
| 05/29/2021 | Yes |
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| To whom it may concern, consumer XXXX entered an agreement with Navy Federal. During the agreement and extension of credit by debtor Navy Federal that willfully and knowingly of The Truth In Lending act didn't specify my right to rescission. 15 U.S. Code 1611 - Criminal liability for willful and knowing violation. According to Congress, 15 usc 1635. I didn't receive any information nor contract so that is a violation of my consumer rights and a breach of the contract. Also Pursuant 15 usc 1605, here Congress states, ( a ) THIRD PARTY FEES.Section 106 ( a ) of the Truth in Lending Act ( 15 U.S.C. 1605 ( a ) ) is amended by adding after the 2d sentence the following new sentence : The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents XXXX including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : The information must be disclosed at the time of extending the open end credit plan. Therefore, you are in violation because you didn't disclose that information to me. 15 U.S. Code 1637a - Disclosure requirements for open end consumer credit plans secured by consumers principal dwelling. Remove from all credit bureaus permanently and immediately. This is an intent to sue if this isn't removed immediately. I am not specifying a date but in fact the account is in litigation at this point. If you are willing to compromise a deal to remove the item off of my credit report and provide an open end credit plan in a positive amount and remain in an open end credit plan please feel free me to contact me by mail with the offer. 1. Navy Federal : {$4000.00} XX/XX/XXXX XXXX XXXX 2. Navy Federal : {$10000.00} XX/XX/XXXX XXXX XXXX | ||||||
| 06/15/2023 | Yes |
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| Hello! My situation is unique, and your options don't coincide with what's going on. So, I will explain it below. I applied for a personal loan on XX/XX/23 on Navy Federal Credit Union 's website. I keep my credit reports frozen, so I lifted the freeze just to apply for this loan. I asked for $ XXXX, but was counteroffered $ XXXX on XX/XX/23 online. Before declining their offer, I decided that I wanted to apply for an auto loan instead to pay off my XXXX XXXX XXXX. So, I emailed XXXX XXXX on XX/XX/23 asking if I did this, would they be pulling my credit again because I didn't want them to. They responded with a vague answer that it was up to the discretion of their lending department but they couldn't guarantee that they wouldn't pull it again. At this point, my credit reports were frozen again. So, I declined their personal loan offer on XX/XX/23 & went ahead and applied for the auto loan. Again, I emailed them asking them whether or not they'd have to pull my credit when they just did so on XX/XX/23. The response I got today, XX/XX/23, was the same vague one they sent me before. Then, they said I could call customer service and follow the prompts to the lending department after I asked for a lending manager to call me. So, I called XXXX at XXXX XXXX & eventually spoke to XXXX once their automated system called me back. They had a lot of customers ahead of me. I explained the situation to XXXX & he said that he didn't understand why customer service didn't just explain that the first report they pulled on XX/XX/23 was for a non-collateral personal loan. The report they tried to pull yesterday from the same credit reporting agency ( XXXX ) was for a collateral loan, and it's just their policy to pull it again. It doesn't make sense, but that's their policy. When I emailed them earlier today, I emailed my credit score along with proof that they already pulled my credit 3 days ago. My credit hasn't changed in 3 days & the vague email response just keeps stating that it's up to " their discretion '' whether or not they will use my XX/XX/23 credit report. If it's up to their discretion, then they are saying that they have the ability to use the report that they already have in their possession to make their decision on my auto loan application if they choose to. Them trying to pull it again yesterday would've caused me to lose more points from my score had my report not been frozen, and that's not okay with me. When I asked to speak to a manager earlier today, I wasn't given that opportunity. I'd like to apply for this loan with them, but I will go to XXXX, if necessary. This policy is illogical & doesn't seem to protect the customer at all. | ||||||
| 12/18/2020 | Yes |
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Web | Servicemember |
| It has been almost 7 months since this happend to me and my business. I received a XXXX grant In XX/XX/2020, this year. The funds were in my account untouched for two months. There was no freeze or any kind of action against my account, at Navy Federal Credit Union. I went into the branch to make a withdrawal with proper identification, and I was treated the worst possible way, the staff and managers, not only embarassed me, but singled me out and had the fraud dept freeze my account. I then called the fraud dept of the bank, from the bank with the Small Business Association on the phone line as well, for a conference call. The purpose of that was to let the sudden flag for fraud alert that the teller/manager put on my account removed. After speaking with the fraud department in the conference call, they allowed me to make the withdrawal and removed the fraud block. At this time im almost 5 hrs into being at the branch on XXXX XXXX in XXXX sc. I handed phone back to the office manager to be certain the fraud specialist cleared up the issue. I then went back in line, waited about 30 minutes, I had in hand, my 2 forms of state issued IDs and filled out withdrawal slip. Then to my amazement, the teller is refusing again to let me make the withdrawal. I ask for the manager that was sitting with me during conference call. She came up and said they now need to verify my military background. Im just looking at these people wondering why they are completely against me making a withdrawal. I explained to them my account has been open around 6 months. Now suddenly uour questioning my military background. I almost called the police on these people workng at the bank. Im now in this bank for 7 hrs and 30 min. Not to mention, the hour drive to the bank. The manager at the bank confirmed my military status and again, i go to teller counter to make withdrawal and the lady tells me again to call the fraud department again to remove the flag the manager placed on account questioning my military background. Its now XXXX and bank is closed. They refuse to let me make the withdrawal, I was very insulted, embarrased, and completly was singled out. The teller commented that I am the only white person that had been thru the bank all day. She just laughed and laughed with her other co workers. I asked what was that comment for. They just laughed. I left bank and returned the next day at XXXX. The lead teller told me I dont have funds available in my account. The sba can not redeposit my {$10000.00}. I have contacted Navy Federal Crefit union repeatedly. They wont return any calls or letter I sent in. They are responsible for my loss, and need to be held accountable. | ||||||
| 01/26/2021 | Yes |
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Web | Servicemember |
| On XX/XX/2021 I made 3 deposits into the Navy Federal Branded ATM with the first transaction being recorded at XXXX for {$2000.00}. The second transaction was recorded at XXXX for {$3800.00}. The third transaction was originally for {$1200.00}. The machine returned 3 - {$100.00} bills and then asked me to confirm a deposit of {$900.00}. The third transaction for {$900.00} was not accounted for in my account while my ATM Debit Card was inserted into the machine the entire time. I called the fraud department on XX/XX/XXXX and filed a dispute because they did not show the 3rd transaction on their end. I was told by the fraud representative that the atm was " full '' from the holiday and he advised that I should not use the atm machines for cash deposits. I submitted the dispute and was advised to go into the branch. I went into the branch the following week and spoke with XXXX, the assistant branch manager, who advised me he would check the camera footage and investigate into the matter. XXXX called me back to tell me he saw all the details on the camera footage and corroborated everything I said happened after he reviewed it. He stated he saw me perform each transaction, saw the money being returned and even made a comment about the stack of money being so small that there was no way it was {$900.00} that was returned, and that the atm count was correct so they didn't have my money accounted for. I asked to investigate the individual transactions. They will not confirm this has been done and every rep Ive spoken to does not know how to obtain the information. I was called back by a Supervisor named " XXXX, '' who is the XXXX person Ive had to speak with this far on XX/XX/XXXX. She advised me that the branch had looked into it and no money was recovered. She advised me that the branch manager, XXXX, had stated he wasn't able to see the camera footage clearly which is not what he had said to me before. I was told there was a " count out '' done on XX/XX/XXXX and Navy Fed is unable to confirm how that count was done because there is no notation on my account in regard to the process they followed to complete the investigation nor any other notation for investigating after this " count out '' was performed when I requested for this to be looked into further. I am on Navy Federal Camera footage completing three individual transactions consecutively. Two transactions are reflected on my account. Navy federal has concluded the investigation and is telling me there is no money and therefore can not deposit the money they can not find that I deposited into their branded atm at their branch location on XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. | ||||||
| 11/30/2021 | Yes |
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| Called Company on XX/XX/XXXX to because my vehicle should already be paid in full. Pursiung to my credit contract as the holder of this consumer credit contract, as the debtor I am now asserting my rights ( Title XXXX ). The contract was paid in full at the time of signing with a negotiable instrument ( Contract / Promissory Note ) with my signature. The contract is fraud because there should be no monthly payment due. In XXXX, XXXX took our ability to pay away with physical money. Banks, dealerships are not supposed to be paid more than once and they were paid after signing in full. Per XXXX XXXX XXXX, I have the right to exercise my right and can not be discriminated against. Other violations on my contract show as follows ; There is no heading for the method determined the finance charge. There is also supposed to be a form for recission and instead it just shows a return policy. According to XXXX XXXX XXXX The creditor shall make the disclosures required by this subpart clearly and conspicuously. ( ii ). There is also supposed to be a notice within the form stating as follows : XXXX CFR XXXX NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. Moreover, I also mentioned with the representative that XXXX XXXX XXXX XXXX States this code gives us the power to use negotiable instruments as payment for a credit sale transaction. Please see as follows : XXXX XXXX XXXX XXXX - Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States. I am well aware of my rights and I understand my promissory note was accepted, they now become the holder in due course and are liable for carrying out the order, this includes negotiable instruments. ALso my paperwork shows Navy Federal as the lein holder however the Secretary of state shows they are not. I am aware that the XXXX is a private business and their records are incorrect. Lastly I would like to add the term " Finance Charge '' does not mean loan. Under regulation Z act, the bank can not loan money and can not loan credit ( XXXX XXXX XXXX ). | ||||||
| 08/18/2023 | Yes |
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Web | Servicemember |
| I spoke with several representatives on XX/XX/XXXX regarding my credit card because they recognized possible fraud on my card. They blocked my card and sent out a new card. In the interim, the male rep also informed me that he would me emailing me a card that I could use right away that could be added to my digital wallet. He asked me if I was familiar with that and I told him that I wasnt very skilled but that I would figure it out because my vehicle was being repaired and I needed access to my credit card ASAP. Later that day when I tried to add the digital card to my digital wallet, it wouldnt work and I had to call back and I spoke with a femal rep and I remember her name because it is same as my daughter, XXXX. Their phones were so busy that it gave me the options to call me back when a rep became available and I took that option. The call came in at XXXX XXXX, PST and I explained to her that I was having problems adding the card to my digital wallet. She began troubleshooting and the total call duration was XXXX minutes and XXXX seconds. After some considerable amount of holding and troubleshooting, she was able to get the card added to my XXXX wallet. I also asked her if my mechanic wouldn't accept the XXXX wallet, would I be able to go into a local Navy FCU branch and do a cash advance and if so, would there be a fee involved. She said that she wasn't sure, and she placed me on hold. She returned to the call and told me that there would not be a fee involved and our call concluded. I went into the branch on Saturday, XX/XX/XXXX and I did a cash advance because my mechanic did not accept the XXXX wallet and I ran into multiple issues at the branch. I ended up leaving the first branch because they weren't telling me what I had discussed with the rep the night before even though I had asked for the branch manager. I went to a second location and finally got the cash advance so I could get my vehicle from the repair shop. Today is, Friday, XX/XX/XXXX, and I logged into the Navy FCU app, and I noticed an interest fee in the amount of {$50.00} so I called, and they advised me that it was for the cash advance, and I was obviously not pleased. I spoke with a supervisor, and she said that another supervisor named XXXX said that she listened to a call on XX/XX/XXXX ( that never took place for the record ) and that I was never told anything about a cash advance fee and of course not because that is not when the call happened. It is so sad that Navy FCU is documenting such outrageous lies to cover up for the fees that they are charging me after the fact. Please investigate this travesty so that banks stop this kind of illegal behavior. | ||||||
| 01/05/2022 | Yes |
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Web | |
| On the morning of XX/XX/XXXX, I, XXXX XXXX was notified of a situation where my domestic partner XXXX XXXX had opened a new personal account checking and savings with Navy Federal Credit Union on XX/XX/XXXX, and over night Navy FederaXXXX XXXX had taken {$2000.00} of her opening checking deposit which was {$2200.00} ( a XXXX Payment from her Employer for her 30 day pay period the month of XXXX. ) as repayment for my navy federal credit card visa cash rewards card # XXXX which was discharged as bad debt many years ago due to non payment. The situation was very strange as I was not added as any type of joint user on the new checking and savings acounts she opened XX/XX/XXXX. And this credit card debt which was discharged in XXXX or XXXX I believe, did not belong to her. All collections would tell me is " Shes not getting her money back. '' She was very upset as she had immediately processed our rent payment of {$2000.00} by echeck to XXXX XXXX XXXX with the XXXX payment from her boss. After she spent all day begging collections to give her her payroll money back so our rent could clear, she was told XXXX from new member services would review the new member account opening recording and decide if this was a bank error and she would get her money back. After reviewing the recording XXXX decided it was a bank error and XXXX XXXX was due her money back. But then XXXX told XXXX the returning of her initial deposit money back was conditioned upon me XXXX XXXX calling Collections supervisor XXXX id # XXXX for some reason and they would not say why. When we tried repeatedly to reach XXXX, and were unsuccessful we were put in contact with XXXX XXXX in collections who told me that in order for XXXX XXXX to receive her initial deposit money back, I had to agree to a payment arrangment of at least {$300.00} a month with initial payment starting in the month of XXXX to repay the discharged debt related to the visa acct # XXXX. Because XXXX payroll check and our rent echeck were being held hostage I was forced to agree although I can not afford that high of a payment to them. When I asked how me starting to pay on this discharged debt again will effect my credit, XXXX XXXX said it may appear negatively again if I default, but she could not say if anything positive would happen or how it would be reported since the debt was already discharged many years ago. I would like some help understanding how what happened today effects my credit going forward and how navy federal XXXX is allowed to use a new members opening deposit to twist my arm to make an arrangement with them on a credit card debt from many years ago I can not afford to pay at this time. | ||||||
| 03/15/2019 | Yes |
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Web | Servicemember |
| We have had our vehicle loan for a XXXX XXXX ( XXXX ) for 8 years now. We agreed to a 7 year loan, but had four deferments that we took out, extending the loan for another year. We agreed to that too. When that year came to an end, we received a letter stating we still owed {$5000.00} plus taxes on it, making that over {$6000.00}. They told us they could refinance that, or repossess the car. We had no clue this was going on and thought we would be receiving the title in the mail. We had a very quick choice to make as they were sending the repossession guy the next day, so we chose to agree to the refinance loan for {$6000.00} and pay {$180.00} a month until it was paid off. But we never signed the contract as as soon as we agreed to do it, they began scheduling double or even triple payments and taking it out of our bank account without authorization. We struggled with this the entire 8 years of having the loan with them as well. This was nothing new. The most recent example of that is that we received a letter from them on XX/XX/XXXX stating we had authorized {$360.00} to come out of our account on XX/XX/XXXX. We called immediately and told them to not take it out, we had NEVER authorized it. They stated it would be fixed and that the previous agent must've made a mistake. The payment tried to come out of a bank account we don't even use anymore, so now we got a bounced check fee. We have spoken to Navy Federal Credit Union loan officers, including people in the corporate office, and were assured over and over again that this would be taken care of and wouldn't happen again. In fact, the last agent we spoke with promised us that if we paid three more payments of {$180.00} we would be done with the loan and they would wipe out the rest of the balance, and send us the title. We can not keep having these unauthorized payments trying to come out of our bank account. We can not keep having promises made by them. This car is 10 years old and has had us paying on it for 8 years and 3 months now. We don't want to make one more single payment on it. We have asked for audits of every single payment made this entire time, but they refuse to send us that information. They are unwilling to be upfront and honest about this. If they refuse to wipe out the rest of the balance, send us the title free and clear and also a letter of apology from the CEO 's office, along with a letter to our banking institution saying we are not liable for the fees incurred for unauthorized transaction, we will be forced to sue them for damages beyond the bank fines, but also for emotional distress, time away from work, and for the amount of the loan in total. | ||||||
| 08/26/2023 | Yes |
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Web | Servicemember |
| Navy federal credit union has on my credit late fee 's, the account in question was open on XX/XX/XXXX with a limit of {$1000.00}. The account is now closed. Navy federal reported some late payment which has affected my ability to obtain new lines of credit. Date reported late payments : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX, VA XXXX RE : Acct : XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$200.00} as of XXXX XXXX also you claim LATE PAYMENTS ON XXXX XXXX 30 DAYS LATE, XXXX XXXX 60 DAYS LATE, XXXX XXXX 90 DAYS LATE, XXXX XXXX XXXX DAYS, XXXX XXXX XXXX AND THERE ON. This is a formal notice that your claim is disputed. I am request validation, made pursuant to Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, 2 showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as 3 evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX | ||||||
| 11/04/2019 | Yes |
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Web | Servicemember |
| I contacted XXXX XXXX on XXXX initially in XX/XX/2019 to get a quote on fixing or replacing cracked tile in my shower as well as cleaning the stone floor. He came by to see the job in person and gave me a quote. I didnt have the money at the time so I told him I would keep him in mind. Fast forward to the beginning of XXXX, I reached out to him again on XXXX on XXXX to setup a time for him to come and complete the job. It took him a few days to respond as according to him, he was experiencing technical issues with XXXX. I didnt hear back from him until XXXX where I gave him my number to call me to setup a time. He was originally supposed to come on XXXX but due to fires he couldnt so we reschedule for XXXX. He came at XXXX XXXX with another gentlemen and started the work on the shower floor which was fixing cracks and cleaning/sealing. He told me it would take about XXXX hours for the sealant to dry and I had to leave to get my kids from school. He asked when he could come back to finish the job which was fixing the cracks in the tile on the wall and cleaning the grout and I told him I would be available on Tuesday, Thursday and Friday. We both agreed he would come back on Friday XXXX. Before he left he was supposed to provide me with the invoice to pay and he was again having technical issues. He left and later that night he emailed me the invoice and I paid via XXXX from my bank account with Navy Federal. Well Friday came and went and he never showed up even after I sent him a text message asking if he was gon na show up. He responded to me that Saturday XXXX saying he was dealing with fire restoration and asked if we could reschedule for the upcoming week. I Provided him with my availability and he never responded. I then reached out to XXXX who started an investigation. They reached out to him numerous times and he never responded so they suspended his account. I then received a message from him on XXXX saying his truck was stolen with his equipment and it would take a week or two to recover. By this time myself and my husband were already XXXX this guy never contacted us and didnt reach out until XXXX suspended his account. He then requested I reach out to XXXX and let them know he reached out to me so they can unsuspend his account. The rep with XXXX even expressed concern that he didnt reach out until his account was suspended. As of today ( XXXX ) the job has still NOT been completed and XXXX has XXXX not reached out to us for resolution. I filed a dispute with my bank who denied it saying because I used XXXX I can not get my money back and XXXX says they will not give me my money back since they completed the transfer. | ||||||
| 12/17/2022 | Yes |
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Web | |
| Due to the many violations and illegal practices I wont let happen to me, I have entered more complaints than one may like. You guys keep allowing companies to duplicate complaints as if they fixed the problem the first time. A person will not keep complaining if the problem got fixed. In this case the problem has never gotten fixed. Therefore, Navy federal continues to commit more fraudulent activities on my closed account, How is that possible? How is it possible for navy federal to transfer money to a charged off account? Navy Federal has done many things concerning my account without my knowledge or consent. I was not told my account was not accessible. I was not aware of the illegal credit transfers that have continued to happen. Even after sending a letter to rescind, also a letter explaining my unaware decision I made concerning this contract which under law trumps the entire agreement. It is illegal for Navy federal to have their members thinking there are no funds in there account, their account has been terminated. Behind the scenes Navy Federal has been transferring frozen for over a year now. How is that I work for my money and Navy federal agents can lock me out of my account and steal my money? I have gotten behind on bills, I have had to sell many items just so that I can survive. While Navy federal uses my money in my account to satisfy their cooperate needs! It is illegal for a closed charged off account to still have activity. Better yet, they enclosed the money is going to credit, where and how is the balance getting decreased? This is the main reason why this account has been flagged as fraudulent. Navy federal has yet to acknowledge that they misinformed me about where the loan actually came from. The loan was taken out of my name as if they were going to pay me back. I have not received a check from Navy federal from taking a loan out in my name. Furthermore, Navy federal led me to believe I no longer had an account with them all while still using my money and liying to the credit bureaus. They report to the bureaus that the account is still active and still being payed on. It seems like to me this proof that navy federal owns this debt. That is illegal i dont care. You cant take someones money not tell them and use it to your full advantage and i as the consumer does not receive any benefits from this situation. If anything this is tarnished my reputation! Its your job CFPB to stop these companies from running all over the consumer who in which has the rights. The bureaus are being gave false reports each month and no one is doing anything about it! I give the CFPB to collect evidence to support my claim. | ||||||
| 09/06/2017 | Yes |
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Web | Servicemember |
| This happen with Navy Federal credit Union. Money was accidentally deposited from an outside third-party into my account that I still had their even though I tried to close it they told me I could n't years ago {$910.00} and it was automatically put toward a debt that I default it on because I 've been unemployed for quite some time I told their financial debt counselors the same thing I told him that I went through a divorce and that the car loan I had with them was no longer in my responsibilities through the divorce decree in the courts ex-wife is paying for it so they 've been sending letters continuously and calling me continuously to pay a debt that I ca n't so this money was deposited into the account today which is XXXX XXXX 2017 and then they automatically took it out and put it towards a debt that I owed that it 's {$910.00} which was going to go towards responsible things like rent and groceries to house me to feed me and my XXXX kids I called yesterday and asked if I could stop the deposit from happening I was told no I asked what else there was that I could do so they said to set up a transfer and to call in after XXXX XXXX today and start the transfer which all the information so already be in I called today and was told him I can of XXXX I asked why because it went into the account it did n't have a setup transfer it was automatically taken out and put towards the credit card I was in transferred over to somebody else who had an immediate attitude with me and then add a point after telling me that no I ca n't have my money back that they 've been trying to contact me and they have n't heard from me in a year and how are they supposed to assume my situation has n't changed and I said well the last time I talked to you or financial counselors they told me there was nothing they could do with me and until I got a job there was nothing that they could set up my informed those financial counselors of the divorce decree and so on and this guy said that I did n't matter and I did n't matter if they put in notes because my car bill that I had with them was being paid by my ex-wife who was legally responsible to pay it they assume that I was having money even though there was no deposits in that account at least a year if not longer this is n't the first time they taken money directly without my permission to pay a bill that they said was late they 've also stopped me from being able to withdraw funds from my account when I have an active checking account with them and I know this is the exact same thing that they were sued for and had a claim against I want my money back so I can house and feed myself and my children | ||||||
| 04/23/2022 | Yes |
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Web | |
| Navy Federal Credit Union recently revoked my debit card privileges in XX/XX/XXXX. There explanation provided to me by a XXXX was due to XXXX XXXX claims filed 6 months time frame. I opened my account with Navy Federal Credit Union in XX/XX/XXXX. My first fraud claim filed was on ; XXXX {$1300.00} XXXX {$1100.00} XXXX {$240.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$270.00} The fraudulent filed claim was reported immediately, and approved by NFCU. The next Fraudulent claim reported to nfcu was on XXXX {$1100.00} & XXXX {$240.00}, which was denied by nfcu. I reported claim XXXX {$240.00}, which was a continuation of left off unauthorized charges day before, however, it was resulted in a new fraud claim. The last XXXX fraudulent claims filed on XX/XX/XXXX - {$140.00} & XX/XX/XXXX - {$270.00}, was approved by NFCU. Only XXXX fraud claims were actually accepted and approved by NFCU. XXXX of the claims filed XX/XX/XXXX - {$140.00} & XX/XX/XXXX - {$270.00}, are within 6 months time frame. I filed a appeal on XX/XX/XXXX, I provided NFCU a copy of a police report, FTC Identity Theft Report, IRS XXXX XXXX, appeal was denied, which Nfcu XXXX not notify in writing or email. Under the XXXX If you suspect there have been unauthorized transactions involving your accounts, it could be a result of identity theft or a lost or stolen debit card. In these cases, you have recourse under the XXXX. Notify your bank of a lost or stolen ATM or debit card right away. You are no longer responsible for unauthorized use of the card as soon as you report the loss. If you report a lost or stolen ATM or debit card within XXXX days, the XXXX limits your liability to {$50.00}. If you report the loss within 60 days after your statement is mailed to you, you could lose as much as {$500.00}. I have an over draft protection on my account, that I usually have 30 days to bring current, since my debit card privileges has been revoked, NFCU recently sent me a letter informing me that I had to bring my account current by XX/XX/XXXX. My account has only been in a negative status for less than a week. This is unfair and unjust discrimination by NFCU. If you dont report a loss within 60 days you risk unlimited loss. Once notified, the financial institution has XXXX business days to conduct an investigation of the claim. The institution must tell you the results within XXXX days of concluding its investigation. If a mistake was made, the institution must correct it within XXXX business day. Occasionally, banks can take up to 45 days to conduct the investigation, but in these cases, the bank has to give the disputed money back to you until the process is over. | ||||||
| 07/28/2019 | Yes |
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Web | |
| On XX/XX/2019 I logged in to my bank account and saw {$3200.00} in my son 's XXXX XXXX bank account. ( I can see his accounts too ) XXXX is XXXX XXXX XXXX with a Campus Plus checking account. I called the bank once I got home out of traffic and discovered that some deposited and check and took out the money by someone who walked in the bank in California. First, my son is XXXX XXXX XXXX and we live in Texas. He also has very little money so he doesn't check his account on a daily basis. The last transaction he made was on XX/XX/2019 and a XXXX XXXX gas station in which he used his debit card number and a pin. He didn't realize his card was lost until the XXXX when I had the bank on the phone. Which is not uncommon for XXXX, considering he is a recent high school graduate and has very little money. While on the phone with customer service, she was trying to reach out to the bank. We also discovered that someone used his checking account and did the same thing in California at another branch. As soon as I saw this I called and reported this. From the beginning they accused me and my son of being dishonest. We did not have anything to do with this. I called and followed up and was finally told after I went into a branch that they are holding him responsible for the 2 transaction. First he is a minor. This is some kind of major crime scheme and we should not be held responsible for bringing a victim. The only mistake he made was losing his card. My son is devasated and so am I. I have established accounts with the bank. I have a savings, checking, a loan and a IRA with the bank. We dont have any reason or purpose to try and do something like this. I had to close all my accounts today to avoid any fees in my account. I am very upset and feel personally attacked by my own bank. Again, we live in Texas and we have not been to California. My son nor I should be held responsible for this. Furthermore, they allowed the checks to be deposited and and withdrawn from a student account with {$8.00} in it and a savings account with XXXX in it. We filed a police report and plan to or consulting an attorney. My son is a victim of fraud and identity fraud. He is only XXXX XXXX XXXX and he has been distraught over this whole ordeal. I believe he is a victim of skimming. Since he used his pin they got it when he pumped his gas. He accidently left his card and they were able to use his information. Again XXXX is a young man heading to college. We are good citizens and are not involved in this. I am hoping to get this matter taken care of before XXXX leaves for school. I will not be held responsible and we will continue to fight this. | ||||||
| 03/13/2017 | Yes |
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Web | Servicemember |
| My husband and I had separate checking and savings accounts with Navy Federal Credit Union. We also had one checking account together. My own separate checking account had fraudulent activity in the amount of over probably {$20000.00}. Navy Federal CU was great handling the fraud claim except for not receiving claim status details in the mail. They stated when asked that I could see any activity that was taken by them by simply looking at my online account. Customer service stated I could see the Provisional Credits by seeing the adjustments, etc. The fraudulent activity was verified to be true & correct. What happened was I was over paid in the amount of {$7900.00} they said because Visa verified or approved that is was valid claim. So all of a sudden on XX/XX/2015 my account showed a negative balance of that same dollar amount. I called them and they stated they send a regular letter by mail stating this would happen within the next two two weeks before the XX/XX/2015 I never received the piece of mail and stated that something that big and important be sent certified since it was going to have a huge bearing on my families lives. Anyway I said I understood the overpayment. Then to my surprise they confiscated all money that was both of my husbands and my account. They took ALL of his direct paycheck that was on an automatic deposit through the XXXX of the XXXX where my husband has worked for about 26 years. So they continue to take all of our money until the balance was paid in the amount of the {$7900.00}. I called them to say that I was sick and we only had one income coming in and it was my husbands. I told them how could they leave us without any money for food, groceries or anything. I told them numerous times that my husband and I were willing to work out a payment plan where they could deduct a certain agreed upon amount out of his paycheck until the debt was paid. I could not understand how that this was legal. It finally got to the point where my husband that to stop his direct deposits so that we could have money to pay our bills like the house payment, groceries, gas, utilities etc. They were so rude about this. I complained to a manager and they stated if there was something they could do that they would be in contact. They never did contact us. They also shut off my debit cards and closed our savings accounts without any warning. If this was legal what they did how come they handled this so poorly. I would n't this stress on any military family or anyone for that matter. Can you let me know if there practices where legal or not? We also incurred tons of overdraft fees because payments were denied. | ||||||
| 07/01/2023 | Yes |
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Web | Older American |
| I was put on a program to help pay my mortgage in 2020 during the pandemic. My first payment was to start in XXXX I believe however XXXX XXXX stopped all payments and for closing. When my payment wasnt made they kept calling me. I kept tell them that XXXX XXXX stopped all payments but the kept calling and I talked to lost mitigation i was told they knew nothing about that and i need to pay. They kept sending me letters. When I started talking to the mortgage department they were saying it was an error and disregard in must be a mistake but it kept happening. Then it stopped after a few weeks. The a check was supposed to be given to me from my housing insurance but they said no because i was in foreclosure. Im like im on a program then the called lost mitigation and they told them I was on a XXXX XXXX program. I knew nothing about that and didnt sign any papers daying that. I called XXXX and the explained it to me. They said not to worry navy fed could not take me iff without my permission and they will keep in contact with me. I didnt trust that so I keep calling to make sure things were good. In XXXX i got a letter from the lawyer saying they were going to start foreclosure. Im lost I thought i was on XXXX XXXX program. I went to navy fed to find out and was told they send paperwork to me many times with no response. I told them they didnt send me anything. They said itwas sent to XXXX XXXX XXXX XXXX XXXX SC well i live at the property address and i got nothing. My name us in the mortgage also so i should have gotten everything they sent to him. He doesnt even live there anymore so no one got the paperwork. They told me it was there mistake and it would be taken care of. Then I started getting letters to {$1000.00} a month. I said if u put me on a program because I couldnt pay {$940.00} how was i to pay that. And i had a court date. They said if i send in the new paperwork dont worry about the court date. I sent in the paperwork. 2 months later it started all over again they lawyer now had a sell date. Im calling again the paperwork I sent expired. No one told me. I went to the clerk of courts and was told what was going on and I shouldve told the judge about the paperwork but i was told there wasnt a court date anymore so I didnt go. I had to file bankruptcy to save my house. I gave to pay {$2500.00}. A month to save my house. Please tell me what i did wrong to get put in this position, they kept call about that payment even after they told me not to pay. I was told it was the collection department do why didnt they know i was told not to pay. I found out in XXXX but the last statement i got was XXXX to XXXX. | ||||||
| 08/17/2016 | Yes |
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Web | |
| I called Navy Federal Credit Union on XXXX XXXX, 2016 and confirmed with their Collections Department that my auto was not in repossession status. I paid {$650.00} on XXXX XXXX, 2016. The balance currently due is {$330.00} ( partial XXXX and XXXX payments ). My vehicle was towed from my home on Monday, XXXX XXXX, 2016 by XXXX XXXX. I contacted Navy Federal Credit Union 's collection department and was transferred to NFCU 's " Repossession '' Department. I spoke to XXXX XXXX who informed me my vehicle would not be returned unless I paid a {$370.00} repossession fee directly to XXXX XXXX ( a towing company ) plus {$330.00} in loan payments to NFCU. My mother, XXXX XXXX, visited NFCU 's headquarters office in XXXX, VA on Monday evening and Tuesday morning and spoke to a Member Services Representative, XXXX XXXX. My mother has a XXXX XXXX XXXX Attorney, that XXXX XXXX, CC Resolution Specialist/XXXX Contact Center refused to accept as sufficient on Monday evening. As of Yesterday, Tuesday, XXXX XXXX, 2016, my balance with XXXX XXXX has increased by {$25.00} per day until full payment to both parties. I intend to pay the total balances due on Friday, XXXX XXXX, 2016 which is the best I can do since I have been without full time employment for a while. I started a new job on Monday, XXXX XXXX, 2016 that will enable me to pay my loan on a timely basis from now on. XXXX XXXX XXXX, Manager (? ) of XXXX XXXX informed me yesterday that my car can be auctioned at any time until the full balance is paid. XXXX XXXX, NFCU Member Service Representative, confirmed yesterday that I have 10 days to pay the full balance to both XXXX and NFCU to obtain my car without it going to auction. Since the {$650.00} payment would have taken my car out of repossession status on XXXX XXXX, 2016 if it had been in that status, I would like Navy Federal Credit Union to authorize XXXX to return my car back to my home address where it was taken illegally and waive the {$500.00} payment that will be required when I am able to render it on Friday, XXXX XXXX, 2016. XXXX and XXXX XXXX, NFU Repossession Department, seem determined to make me pay {$370.00} ( repossession fee ) plus a daily storage fee until payment is made to XXXX. This is a very unscrupulous business practice since my car was not in repossession status when towed on Monday, XXXX XXXX, 2016. NFCU staff first stutter, then inform me that " you should have told someone you made the payment. '' Payment was made at the XXXX branch of NFCU. This was also the response I received from " XXXX '', Branch Manager, XXXX. All parties acknowledged that the payment can be see in their " system. '' | ||||||
| 04/06/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023 I moved {$500.00} dollars from my Navy Federal checking account to a brand new Navy Federal Investment account I had just opened that day. When you move money Navy Federal Investment gives you a receipt that says " Thanks! your transfer is in progress. Once your transfer 's complete, it will appear in your Transaction History. Deposits up to {$5000.00} will post to your account and be available to trade with immediately. Deposit amounts over {$5000.00} will post i n about 3-5 business days. If you made a withdrawal, allow 2-5 business days for it to post to your account. Don't submit additional transfers unless you want them to be processed too. Copy the confirmation number below and save it for your records. '' The problem came on XX/XX/2023 when I moved another {$500.00} and upon reading that receipt I was under the impression that my {$500.00} was moved immediately into my investment account, especially since it was going from my Navy Federal checking account to my Navy Federal Investment account. I moved the remaining money out of Navy Federal and into another financial institution which included that {$500.00} I was under the impression had been instantaneously withdrawn from my checking account to my investment account. I was not sure what was going on when {$500.00} was withdrawn from my investment account. I contacted Navy Federal Investments. Once on the phone with them I was informed that Navy Federal Credit Union and Navy Federal Investments are two separate entities that work off two separate systems, so the Investment will ACH my Checking account and that the investment group is loaning me money until they ACH my checking account. I find the information that Navy Federal Investment gives is very vague in nature and very misleading in the information that they provide. Because Navy Federal Investment provided as little information as possible it has caused myself, and probably more users, to suffer a financial loss. A week after I discovered what happened I finally spoke with a supervisor, XXXX XXXX, who informed me that I was borrowing the money from them to trade immediately on the app, and since they had to take the money back, they sold off the shares that I had bought plus some others shares that was not bought with they money they took back. She told me that I would be hit with a {$20.00} fee at the end of the month and that she would wave this fee. This fee was never mentioned to me at all up to the point. Navy Federal Investments I feel like are taking advantage of vague and misleading information and after bringing this up to the company they have yet to resolve the issue. | ||||||
| 03/04/2023 | Yes |
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| On or about XXXX XXXX XXXX I applied for a Navy Federal Credit Union CashRewards VISA card with NFCU. I received a denial letter stating reasons I was denied ( Denial Letter Attached ). I then mailed NFCU an adverse action letter addressing the denial ( Letter Attached ), in which I received no response from the financial institution. I do believe in fact that I was discriminated against. I would like NFCU to understand that I am aware of how Financial Institutions do business in commerce. I would like NFCU to promptly mail me back my application ( # XXXX ). If they can not mail me the original application, then they have violated my consumer rights. I know my rights and quit a few laws that protect those rights. I understand that my signature creates the security collateral in ANY consumer credit transaction. It is a fact, I am aware, that the term credit means the right granted by I, the original creditor, to a debtor NFCU to defer payment of the debt or to NFCU to incur debt or a loan from the US Treasury and defer its payment. This makes NFCU ( 12 U.S, C. 1431 } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to me, at the time of the transaction. I, the cunsumer came to extend credit and not receive a loan from the U.S. Treasury. NFCU 's lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by NFCU. I am aware that although I was told I was denied, the application was still deposited into the Federal Reserve Bank for notes. The Federal Reserve Act Section 16 parts 1 and 2 expresses this fact. I am also aware, in accordance with the term creditor in subsection 1602 ( g ), pursuant to 15 U.S. Code 1602 ( i ) a consumer in reference to a credit transaction is the party whose credit is extended from is a natural person and the subject of the consumer credit transaction is primarily for personal, family, or household purposes. Furthermore, I am aware that my social security card is a credit card pursuant to 15 U.S.C 1602 ( l ) as any card, plate, coupon book or other credit device. Existing for the purpose of obtaining money, property, labor, or services on credit. I am also aware that the unlawful use of a credit card such as ( Social Security Card ) under 15 U.S.C. 1602 ( l ) by a organization or person other than the card holder who does not have actual, implied, or apparent authority for such use and from which the cardholder ( me ) receives no benefit equals unauthorized use pursuant to 15 U.S.C 1602 ( p ). I am a long standing member of this Financial Institution and I am very disappointed. | ||||||
| 05/02/2023 | Yes |
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| Wed, XXXX XXXX 2023 at XXXX pm I received an email from my bank ( Navy Federal Credit Union ) stating that they have received my request authorizing a one-time electronic funds transfer from my Navy Federal EveryDay Checking account : XXXX to XXXX XXXX XXXX XXXX XXXX checking XXXX XXXX in the amount of {$5000.00} Date to transfer XX/XX/2023. The online transaction listed the name XXXX XXXX XXXX. Thu, XX/XX/2023 at approximately XXXX XXXX I contacted Navy Feder Credit Union via phone to inform them that this was not my request, and that I believe this was FRAUD. They said they believed my account was " compromised '' in my term it was hacked. I followed all of their instructions to close my existing checking and savings accounts, open new ones and change all of my account usernames and passwords, including my personal email. Since then I have received " XXXX '' information from them confirming I reported this FRAUD. I called in on Sunday, XX/XX/2023 around XXXX XXXX XXXX and after being on hold for a very long time and transferred three different times, I found someone who provided me with a REPORT FRAUD letter noting a Confirmation Number. Which basically disclosed to me that I would go to jail if they deemed my report of this FRAUD to be incorrect. Today Tuesday, XX/XX/2023 at XXXX am PT I received an email titled Brochure/Form Request. This e-mail thanked me for allowing them to assist me today, and stated the Form ( s ) and/or brochure ( s ) I requested can be located by clicking the following link. This led me to a Navy Federal Credit Union Declaration of Forgery/Fraud form 2 pages of information I must supply to them although I have no idea what information is required here. It instructs me that the entire form must be completed and returned to Nave Federal in order for this claim to be processed. It also asks me to provide any documentation relating to the claim ( e.g., police report, original forged documents ). I will now have to go to a Navy Federal Credit Union local Branch to figure out how I fill out this form as the information it requests is in bank speak and I have no idea what these terms mean. I need my {$5000.00} back or I will be unable to provide for myself, and my expense obligations ( rent, food, power, etc ). Why aren't they addressing this with me? They mentioned it could take 90-120 days to complete their " investigation '', however it appears to me that they have done absolutely nothing at all to recoup my lost funds from XXXX XXXX XXXX which should have been stopped and reversed that next day! So frustrated and worried. Please help me understand this procedure if you can. | ||||||
| 07/29/2023 | Yes |
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| Navy Federal Credit Union ( NFCU ) violated my consumer protection rights on two basis. First, I applied for but withdrew my mortgage application, and without my consent, it was still submitted to underwriting. Second, because I was not given notice and opportunity to address the factors considered in my mortgage application, I have no choice but to believe the decision to deny my application was made based on my race. First, on or about XX/XX/2023, I submitted a mortgage application to NFCU. On XX/XX/2023, XXXX XXXX, NMLS ID # XXXX, of NFCU contacted me and inquired of information from me regarding my application. XXXX XXXX informed me that i should lower my requested loan amount by {$100000.00}, from {$500000.00} to {$400000.00} due to debt to oncome ration from my student loans. XXXX XXXX informed that otherwise, my application would be denied. I instructed XXXX XXXX to hold my application before sending to underwriting because I would not be able to purchase a home with the suggested loan request in a high cost of living metropolitan area. XXXX XXXX informed me that I would have the opportunity to submit documents indicating my true debt monthly payments to underwriting. After conducting further research, on that same day of XX/XX/2023, I learned that I pre-qualified with another lender with the requested amount of {$500000.00}. Subsequently, on XX/XX/2023, I exercised my right to rescind my mortgage application by providing written and oral notification to withdrawing my application. Hence, at this juncture the application should have been reported as a withdrawn application. Second, yet, without my consent, XXXX XXXX forwarded this application to underwriting. I was never notified that application was moving forward and I was additionally never given the opportunity to submit evidence regarding my monthly student loan debt payments. Nearly a month later, XX/XX/2023 at XXXX XXXX in the morning, I received notice that NFCU took adverse action and not only forwarded the application to underwriting, without my consent, but denied it. The denial allows NFCU to report the application as denied, instead of withdrawn. This adverse action affects my credit and credit oppurtunity to buy a home as an African-American single woman. It further affects the reportable data of denied home applications, specifically as it pertains to the home mortgage application approval gap between XXXX XXXX and other races. This widens the existing disparity. I believe NFCU took the adverse action based on my race, as I was not given notice and opportunity to address the factors considered in my mortgage application. | ||||||
| 09/06/2023 | Yes |
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Web | Servicemember |
| I hereby dispute the current payment status and remark comment associated with my credit report for NAVY FEDERAL CREDIT UNION for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. The length of the placement in regard to my Payment History for Current Payment Status and Remark comment demonstrates that at all times the credit reporting agency and furnisher knowingly and recklessly violated the FCRA. I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report. | ||||||
| 09/06/2023 | Yes |
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Web | Servicemember |
| I hereby dispute the current payment status and remark comment associated with my credit report for NAVY FEDERAL CREDIT UNION for a Credit Limit of {$4000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report. | ||||||
| 06/20/2019 | Yes |
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Web | Servicemember |
| I flew on XXXX from XXXX, Washington ( USA ) to XXXX, XXXX via a layover in XXXX, XXXX ( XXXX ) on XX/XX/XXXX, XXXX. On XX/XX/XXXX, I was charged {$290.00} twice, for a total of {$580.00}. I am disputing this amount since the additional services were not provided by XXXX. On XX/XX/XXXX, I purchased two Economy Class tickets on board XXXX for {$490.00} each, for a total of {$990.00}. These tickets were paid for in full at that time. This price was for two round trip airline tickets in XXXX 's Economy Class. At the time of purchase, I utilized XXXX 's upgrade tool. That tool allows a passenger to select a price they would be willing to pay to upgrade to Premium Economy class. I placed a bid a total of {$290.00} per ticket for a potential upgrade to Premium Economy. The tool advises the passenger if two Premium Economy seats become available prior to the XX/XX/XXXX flight, XXXX would have the option to charge me an additional {$290.00} per seat to upgrade to those seats. In this case, there were two tickets purchased, so the charge would be {$590.00} total. I received an email on XX/XX/XXXX stating that an upgrade to Premium Economy Class on the XXXX to XXXX segment was not available, and I would not be charged. My regular Economy Class seats would remain unchanged. ( see attached email from XXXX ) On XX/XX/XXXX, we flew from XXXX to XXXX and were assigned seats 44A and 44B. Those seats were located in XXXX 's Economy Class section, not their premium Economy Class. ( see attached boarding passes for HeaXXXX and XXXX XXXX along with the XXXX map ) The remaining segments from XXXX to XXXX, then from XXXX to XXXX and XXXX to XXXX on XX/XX/XXXX were made in Economy Class. Upon XXXX 's failure to remedy this charge, I disputed the charge with Navy FCU on XX/XX/XXXX. At that time, they incorrectly categorized this charge as a " services not received '', but did not issue me a provisional credit. I informed NFCU at the time the credit dispute was miscategorized, yet they did not correct this. On or about XX/XX/XXXX, I was informed that the dispute was denied because I had in fact taken the flight ( despite the class of service being not what I paid for ). I appealed, and NFCU re-opened the dispute. At that time, NFCU issued a credit to my account for {$290.00}, but they did not issue the other credit of {$290.00}. I am still out one of the {$290.00} fee 's charged by XXXX. When I call NFCU, I am told they are still working on the dispute, despite the fact I filed the dispute for both charges at the same time. NFCU granted one of the {$290.00} credits, but not the other. And they refuse to remedy this. | ||||||
| 01/10/2023 | Yes |
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| I opened an secured credit card account XX/XX/2021 with Navy Federal credit union for the total amount of XXXX funded with cash to build credit and I was told after XXXX months that I would be consider for a unsecured account in XXXX months after a review with the bank. I was also told if I was approved that they would match whatever had had in my savings account and add that to my secured credit card, so with that in mind I decided to put an additional XXXX on to my credit card to increase the amount to XXXX on XXXX XXXX I was approve for the increase and there was no issues. I noticed about a month later that my savings account was in the negative of {$2900.00} but me not having experienced with credit cards I assumed that it was an error on the bank end and went on with my life. Navy Federal never contacted me, Never sent an overdraft letter in regards to my account being overdraft. I didn't take the negative amount seriously until I called in asking information on how I can increase my chances of getting approve for an unsecured credit care three months after I signed up for the card and that's when the representative told me that I was reponsible for the negative account and wouldn't be elgible for the unsecured credit card until it was paid. I told her that that couldn't be accurate because the {$3000.00} was made and if it wasn't how why did Navy federal allow me to utilize the XXXX and charge me interest on the money for several months if the account was not in good standing or if they never received the initial required payment for the card to be issued. I got the run around, I got I don't know, I got well when we went in to take the funds out of the checking/savings account the XXXX was there so that's why your account is in the negative, so I said well it must have been a computer error or the payment was actually applied to the account through the the system by ach transfer allowing the XXXX limit increase and she said no we never received the payment. I contact serveral associates including branch managers and also requested an investigations on where my XXXX XXXX dollars went if they didn't get the payment and all I got was a packet of bank states for a year but nothing showing that XXXX XXXX dollars was not applied to the credit card. I am writing this complaint because I get at least three calls a week from navy federal in regards to this credit card and every time I tell them why I am not paying they still cant resolved the issues and I am still responsible for interest rates, late payment ect. I want this issues solved in a fair manner and I want all my money back plus interest. | ||||||
| 04/05/2018 | Yes |
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| On XX/XX/XXXX we filed a dispute with Navy Federal Credit Union for {$990.00} ( XXXX XXXX ). We received a communication from NFCU dated XX/XX/XXXX acknowledging our dispute, requesting information by XX/XX/XXXX. However, we submitted our response as required on XX/XX/XXXX via fax and e-messaging thru their online banking system. We received a provisional credit of {$990.00}. On XX/XX/XXXX we received this response from NFCU : Navy Federal XXXX XX/XX/XXXX : In response to your billing inquiry, we have reversed the transaction for $ XXXX and sent the charge back to the merchant 's bank. A credit will appear as an " Account Adjustment '' on your next billing statement. If we receive documentation from the merchant in response to our reversal, it will be forwarded to you for your review. The circumstances of the dispute and the strength of your documentation will determine whether the credit will remain permanently on your account. If you have any questions, contact us at XXXX, extension XXXX. Thank you, XXXX XXXX Credit Card Chargeback and Resolution Specialist ______________ We have not been contact by NFCU via USPS nor e-Messaging re : this dispute. However, on XX/XX/XXXX, we viewed in our account that NFCU had in-fact reversed this {$990.00} to the merchant. When in fact ; the Merchant policy is : SATISFACTION GUARANTEED 100 % OR YOUR MONEY BACK - NO QUESTIONS ASKED - 100 % RISK FREE. We provided proof of such 100 % money back guarantee from the merchants website. We provided : http : //www.ProfitandPassions.clickfunnels.com. WE HAVE RECEIVED NO COMMUNICATION FROM NFCU SINCE XX/XX/XXXX RE : THIS DISPUTE. It is obvious, they did not take the time to investigate this verbiage on the merchant 's website and found our response not valid. NFCU has failed us as their longterm customer. When contacting NFCU to resolve this issue.. .it is not discussed and they refuse to assist us any further. In speaking with an executive at XXXX, in which, they instructed us to return to NFCU and file a 2nd dispute on XX/XX/XXXX. At this time, NFCU rejected this dispute. When have filed another dispute on XX/XX/XXXX based upon the time limit given by XXXX. NFCU has interfered and denied us the rights to file ; knowing that there is a time limit for 2nd disputes. Furthermore, they did not process the 1 dispute properly. We have tried for 4 days to communicate to XXXX XXXX and 10 other executives at NFCU - no response. There is no additional agreements or proof beyond the merchant 's own website copy offer such Risk Free purchase. Upon attending this event - it was recognized as a FRAUD. | ||||||
| 11/13/2022 | Yes |
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| On around XX/XX/XXXX, I applied for a home equity loan from Navy Federal credit Union to consolidate my credit card debt. According to XXXX and XXXX XXXX my home value was approx. {$420000.00}, but I claimed that the value was {$400000.00} on the application to be on the safe side. The bank representative told me on approximately XX/XX/XXXX that I need to get my house appraised and I need to pay {$730.00} for the appraisal, and I agreed. When the appraisal came back back, my home was valued at {$300000.00}, which was shockingly low. In XXXX and XXXX there was a back and forth about my home value I submitted an appraisal appeal showing that a similar unit with a smaller square footage in my same complex in worse condition and with older roofing ( my building had new roofing installed in 2021 ) was sold for $ XXXX. They offered me worse loan terms then originally discussed because of the extremely low valuation on my property. During this time, the home values went down and the interest rate went up, but I was told that the rates at the time I applied should be locked in. I submitted an appeal, but they stuck with the $ XXXX value, even though my state tax assessed value is $ XXXX right now as I type this, and typically the appraised value is somewhere higher then the the state assessed value. Since I have applied for the loan back in XXXX, I have been making minimum payments on my credit cards, expecting the consolidation to go though, but its XXXX and I am no closer to closing. The last thing I heard from NFCU is that they need a second hard credit check because the first XXXX isnt valid any more. But because of their stalling and their first credit check ( as well as a second credit check from my attempt to shop around for a loan elsewhere ) my XXXX XXXX has taken a hit. A third credit check in the space of XXXX months may disqualify me from a loan, but only because of their stalling. The second bank that I applied to has also stopped communicating with me. It appeared as though NFCU is finding any way to get out of offering me a loan with fair terms because of the 3 interest rate hikes which happened after I applied. My credit score has taken a major hit because of theIr stalling, and I fear they might try to offer me worse terms based on the damage to my credit that they caused between XXXX and now. If they offer me the original terms, I would take it just so I can move on and start paying down my credit card debt. I would prefer to have better terms, though, which are more reflective of the actual value of my house, and based on the interest rates that existed when I originally applied. | ||||||
| 05/18/2023 | Yes |
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| To Whomsoever it May Concern ; This is about the Consumer credit Transaction initiated on ( date ) with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX & XXXX ) XXXX According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA. PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control. Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to remove the below-mentioned information from my Consumer Report ; ALL XXXXXXXX XXXX XXXX XXXX ALL NAVY FEDERAL CR UN If you accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. | ||||||
| 09/29/2022 | Yes |
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| On XX/XX/XXXX I was conditionally approved for a student loan through Navy Federal Credit Union. Upon receiving the approval I was asked to provide income verification for the loan that I applied for. I submitted a copy of my XXXX XXXX as proof of income as it was one of the options that I was given as proof of income. On XX/XX/XXXX they declined my documentation. They declined my documentation stating that it was beyond 60 days old and I needed to upload my pay stubs from the past 60 days. I submitted the documents they did request. On XX/XX/XXXX while reviewing my status of my loan online, I discovered that the documents that I submitted were also declined approval. I called and spoke with a representative on that date and they stated to me that they required a letter from my employer stating that I am still employed at my job. I obtained the letter from my employer and submitted it to the portal for them to review. XX/XX/XXXX I called Navy Federal again to review my loan application because I noticed that my letter was not approved. The customer service representative couldn't answer as to why it was not approved and said she would call back. I did not receive a call back. On XX/XX/XXXX I received an email from Navy Federal stating that my loan would be declined due to inactivity. I called Navy Federal on XX/XX/XXXX due to them not being open on the weekend. When I spoke to the customer service agent he stated that I needed to send my latest paystub due to XXXX of the prior paystubs being over 60 days out. I submitted the paystub and awaited approval. XX/XX/XXXX I noticed that the online portal stated that my latest paystub wasn't approved. I contacted customer service again on XX/XX/XXXX. When I spoke to the customer service representative they stated they needed my XXXX XXXX. Even after I was told my XXXX XXXX wasn't approved because it was 60 days out. On XX/XX/XXXX I received a call from a Navy Federal Credit Union Loan representative. The representative asked me was I on XXXX XXXX XXXX XXXX I told her yes and that I just had XXXX. She asked me when I was returning to work and I explained that I would be back in 3 to 4 months. She then asked me to upload any documentation from my doctor to show how long I would be out and something from my employer to show I have enough accrued time until I return to work. On XX/XX/XXXX I received an email from Navy Federal denying my loan application due to " Current income does not meet the minimum loan guidelines ''. It is my belief that my loan was denied not because of minimum income requirements but because I am on XXXX XXXX from my employer. | ||||||
| 10/03/2021 | Yes |
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| I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). Navy Federal Credit Union, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is NAVY FEDERAL NFCU. Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase XXXX XXXX transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual. Pursuant to 16 CFR 433.2, It is unfair and deceptive for NAVY FEDERAL NFCU to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what NAVY FEDERAL NFCU mislead me into doing. All Consumer Reporting Agencies claimed this has been verified by NAVY FEDERAL NFCU however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports. | ||||||
| 10/26/2017 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union ( NFCU ) claims that I, the sole owner of real property in XXXX California, gave XXXX XXXX XXXX, aka XXXX XXXX and XXXX XXXX XXXX. an interest in my property. NFCU presented a Title signed by me in XX/XX/XXXXplacing XXXX XXXX on title. NFCU failed to inform me of my rights as to the loan NFCU held on my real estate property. NFCU lied about the terms of the loan and is now covering up the misdeeds of the Credit Union. NFCU has asserted that the title allows NFCU to provide a loan to XXXX XXXX solely in his name. NFCU acknowledges the real property solely belonged to me, XXXX XXXX. Although, NFCU supposedly has this title with XXXX XXXX 's name, NFCU has refused to show documents that allowed XXXX XXXX sole ownership of the loan, or has refused to show any documents where I, the sole owner of the property authorized XXXX XXXX to be the sole owner of the loan. My name is also on Title. NFCU violated Federal and State lending laws, laws that prevent predatory lending, laws that prevent gender and racial discrimination by refusing to allow me to pay the loan and prevent foreclosure of my home. NFCU denied me, XXXX XXXX, the sole property owner of XXXX XXXX XXXX, XXXX, CA to inform me of my rights and possibly conspired with XXXX XXXX XXXX to carry out an embezzlement scheme. NFCU allowed and/or participated with XXXX XXXX in stealing my property. NFCU along with XXXX XXXX has used this " title '' to foreclose on my property and provides no other document where I have waived my rights to pay the loan or have access to the entire folder of loan documents. NFCU feigns cooperation. NFCU is working with XXXX XXXX to intentionally delay providing loan documents as one of many tools and strategies for this crime to go undetected. NFCU has failed to show documents showing that I, the sole owner of the real property they foreclosed and sold, signed any waiver of my rights to pay the mortgage. Because NFCU repeatedly refuses any and all my requests for documents concerning the loan NFCU issued solely to XXXX XXXX, this is a request for any and all documents signed by me, XXXX XXXX waiving my right to pay the mortgage issued approximately in XXXX or XX/XX/XXXX on the XXXX, California property. Additionally, this is a request for the entire XX/XX/XXXXloan documents file, in addition to any documents that clearly show I waived my rights to pay the loan. I am also on Title. I also ask that any delay or continuance requests by NFCU are denied because they have the loan documents and file readily available and readily accessible. Thank you for your assistance. | ||||||
| 09/13/2021 | Yes |
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| On XX/XX/2021 i made a purchase at a online store for XXXX and XXXX was selling items from XXXX, XXXX XXXX and XXXX. They basically said that they were selling unclaimed items and everything looked legitimate. However when I looked at my credit card statement the same day and it said " VIRAL STORE '', I started getting concerned that it might be a scam. I immediately contacted the merchant and stated that they should cancel the transaction because something is not seeming right. They assure me that the item had already been sent and if I don't want it they can work something out or I can return. Another red flag was that when the purchase was made it said that USPS was awaiting to pick up item. So I relaxed a bit. The next day I checked the item was in XXXX XXXX in transit to XXXX. I presented all the emails, company had no phone number, and since the person was in XXXX it would take 2 days to get a respond. I filed a claim shortly with my credit card company ( Navy Credit Uninon ). Sent all the proof including emails. I had requested that the merchant sent me the return address to have items sent, they refused. I kept getting " we can give you 10 % of your money back to not return the item '', when I said no pls sent me your information to return item, 2-3 days later I will get " we can give you 15 % of your money back '' etc. I told the merchant no, I needed full return and will return the item to the return address that was on the package. They never responded. Now the credit card company ( Navy Federal Credit Union ) which I have been in contact with decided that they are going to return my money back to the merchant and told me that the merchant sent information that I received the item. Total insanity because this was not the issue. I spoke with a supervisor XXXX who was totally clueless, another supervisor told me that she was going to reopen the case when I sent proof that the item was returned because they can not approve refund if the item was still in my possession. I told them that the merchant refused to send me a return address and that I was going to ship it back to the return address on the envelope. I provided them with the shipping information and Navy Credit Union still doesn't want to return my refund. They have not provided me any written information about ruling in this case and justification on why they are refusing to return my money back. When XXXX was questioned about it she told me " I don't know why that information was not provided ''. They have claims adjusters that customers can not speak with, but they determine claim without providing justification. | ||||||
| 02/22/2023 | Yes |
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Web | Servicemember |
| It looks like NFCU is up to its old tricks and didn't learn their lesson back in XXXX when they were fined {$28.00} XXXX for deceptive debt collecting practices because as of XX/XX/XXXX, NFCU randomly closed my account ( XXXX ) and illegally froze all funds and my access without any warning. My debit card, ATM usage and online account functions were blocked and inaccessible without adequate notice. On XX/XX/XXXX, NFCU mailed a letter to me that states they have no alternative but to recommend [ Account # XXXX ] for legal action. based on a delinquent account. The letter also implied that I will find it difficult, if not impossible, to obtain additional credit because of my present unsatisfactory credit rating. NFCU did not analyze my credit situation before sending me the letter. This is in Violation of Section 1036 ( a ) ( 1 ) ( B ) of the CFPA, that prohibits unfair, deceptive, or abusive acts or practices. The injuries I have sustained were not reasonably avoidable because NFCU 's policies and practices regarding electronic access and service restrictions were never adequately disclosed to me when I opened my deposit accounts, credit accounts, or before I became delinquent on a credit account. NFCU 's electronic account access restriction activities, constitute unfair acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ). On January 1, 2023, NFCU failed to cease and desist all forms of communication, reporting these inaccuracies on my credit report. This is in Violation of 15 usc 1692 ( c ). Lastly, both the CRA 's and Creditors did not have permissible pursuant to 15 US Code 1681b : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have contacted the Attorney General 's Office, XXXX and the CFPB TWICE and nothing has changed. The {$28.00} XXXX was just a slap on the wrist for NFCU. I highly recommend that they learn a lesson by way of stiffer penalties and fines. I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as NFCU willfully violated its obligations under the FCRA. | ||||||
| 12/15/2023 | Yes |
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| On XX/XX/2022 my mortgage loan application was denied by Navy Federal Credit Union. According to the denial letter received, the reason for the denial was due to " excessive obligation in relation to income. '' The loan officer assigned to my file was XXXX XXXX, XXXX XXXX XXXX XXXX At that time, I was under contract for a home purchase for a property located in XXXX, VA, which was due to close on or before XX/XX/2022. The reason for the denial was not justifiable. I had a strong financial and credit profile with a credit score of XXXX, was putting down a 20 % down payment for a conventional 30 year fixed mortgage, and I was paying off a debt with NFCU prior to closing. I have been a member with Navy Federal Credit Union for over 20 years, have held several accounts and loans in satisfactory status, including most recently, a mortgage in the amount of {$350000.00}, which was paid off in full from the sale of my home on XX/XX/2022. From my initial interaction with the loan officer, I did not feel she was working in my best interest. I had reached out several times by phone and email with questions about my loan file and process and did not receive responses or follow up in a timely manner. On XX/XX/XXXX, I called the NFCU Customer Service line and requested to have my loan officer reassigned due to the lack of follow up and unresponsiveness. I was never reassigned. In addition to this, I expressed my concern with XXXX XXXX, the loan officer, about wanting my loan documentation and file verified upfront prior to going under contract on a property. They stated that they could not do this. I was issued a pre-approval in the amount of {$320000.00} with room to go up even higher according to the loan officer. The contract price for the property I was under contract for was XXXX with a 20 % down payment, bringing the loan amount to {$190000.00}. I was locked in at an interest rate of XXXX with a float option. Based on all the above mentioned reasons, this was a major discrepancy where this loan should NOT have been denied. Although my prior XXXX year work history and income was provided, I also offered to show proof of income for my income earned year to date in XX/XX/2022, and was told that information would not be considered. My savings account at NFCU demonstrated sufficient proof of funds, to cover the 20 % down payment required, plus the NFCU credit card debt payoff, as well as cash reserves to cover 12 months of mortgage payment. Based on this information, I feel I was unfairly denied a mortgage loan and discriminated against because of my race and identifying as XXXX. | ||||||
| 07/19/2019 | Yes |
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| My husband and I have been planning to change banks. We set up accounts with Navy Federal Credit Union a few months ago, but had not yet moved everything into the accounts. We were planning to use one account only funds for a rental property, one that was leased a few days ago. I used mobile deposit to submit the two deposit checks received from the renters. I got immediate notification of a two day hold, which I had expected. After I could see the funds were released and showing in the account ( Wednesday night ), on Thursday morning I set up bill pay to pay several bills associated with the property. This morning, I attempted to log on to double check that everything had gone well. Instead, I got a notification that I could not access my account, and should call the customer service number. Once I got to a rep*, I was asked about my two deposits. I explained they were from two young CPAs renting my property, both with credit ratings over 750. She seemed dubious about this, stated they were suspicious, and told me that there would continue to be a five day hold, and that perhaps my funds would be released then. I am an educated professional, and certainly understand funds being on hold. However, there are several irregularities about this that were inappropriate. 1. I was told there was to be a two day hold. The funds then showed as available, and only after that was a five day hold imposed. This is disruptive to my money management plans. 2. I was not notified of the change in the duration of the hold. There was no email, no phone call. The rep insisted that there must have been, but that I had " misplaced '' it in my email junk file - but then she could not find an outgoing email to me, either, saying perhaps it had been sent by a different branch of her company - which sounded neither nor plausible nor truthful. 3. The bank refuses to even allow me to SEE my accounts or funds online. That part of the interface with the bank is entirely shut down, and she stated that this is deliberate and bank policy, " to protect me. '' When funds have been " held '' in the past by other institutions, I have NEVER been denied access to my own financial information. 4. When I attempted to speak to a supervisor to get to someone authorized to correct what is obviously a series of mistakes, she indicated no one was available. I still have not received a call back. *the representatives name was XXXX XXXX and she refused to give me either her last name nor an identification number within Navy Federal . However, our phone call occurred at approximately XXXX Pacific time on XXXX. " | ||||||
| 02/20/2020 | Yes |
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Web | Servicemember |
| Today, XX/XX/XXXX at XXXX, I called Navy Federal Credit Union at XXXX & spoke with XXXX to open a credit card charge dispute on my account for the following amount, {$8000.00} on XX/XX/XXXX. I spoke with XXXX and explained the fraud from XXXX XXXX DBA XXXX XXXX XXXX that took place on XX/XX/XXXX. Now, XXXX stated that she will open a credit card dispute but they generally except disputes within 60 days of the transaction date. Now, XXXX XXXX failed to disclose accurately about there company. XXXX XXXX told us verbally that members can get vacation packages trip 2 years in advance over any other resorts & that there membership is cheaper than XXXX XXXX. XXXX XXXX notified us about yearly membership fees along with amount but failed to inform us verbally that they go up every year. The resort promised 2 free trips for attending, that we must use within 1 year which we later found out we cant use because the resort sell out 2 years in advance for Hawaii trips. These resorts mislead consumers like my spouse and I to join their resort. If we had known the truth, we would have NEVER became members. Now, we discovered the truth when we contacted XXXX XXXX on XX/XX/XXXX at XXXX, when we requested a trip to Hawaii for XX/XX/XXXX, for 10 people and were told that they sell out for there Hawaii trips 2 years in advance which means that these resort companies failed to disclose this information prior to signing the contract. Now, we never knew there was fraud until XX/XX/XXXX. We were not able to dispute this transaction until now because we contacted XXXX XXXX to resolve this issue but they failed to do anything about this matter. Then we filed complaints against the resorts with the XXXX along with the State of Nevada. As of today, we have not heard anything from the XXXX or the State of Nevada! Again, XXXX said we generally have 60 days from the time of the transaction to file a dispute. In most cases, people know about the fraud with in that time. Since we didn't know about the fraud until XX/XX/XXXX, our 60 days should start at this time which means we should have until XX/XX/XXXX to file this card dispute which we want to do! We should be allowed to have all of our funds be returned to us in full since these resorts failed to disclose everything to everyone prior to signing the contract which does violate state law ( s ) NRS 119A.710 deceptive or unfair acts, NRS 119A.410 misrepresentation, and possibly NRS 205.330 for fraud. We request to be allowed to file the dispute for these charges and get all of our funds returned immediately due to the fraud that these resorts created. | ||||||
| 02/22/2023 | Yes |
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Web | Servicemember |
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I am a Combat Veteran with a XXXX under the 1st prong of the American with Disabilities Act ( ADA ), U.S. Code Title 42, Section 12102 ( 1 ) ( A ). see : https : //www.ada.gov/law-and-regs/ada/ # top : ~ : text=The % 20term % 20 % E2 % 80 % 9Cdisability, of % 20such % 20individual % 3B and I have made this known to Navy Federal numerous times XXXX My ability to speak, concentrate, think, and communicate are impaired ( Title 42, Section 12102 ( 2 ) ( A ), see : https : //www.ada.gov/law-and-regs/ada/ # top : ~ : text= ( 2 ) % 20Major % 20Life, communicating % 2C % 20and % 20working. ) Navy Federal Credit Union ( hereafter, NFCU ) is a public accommodation as defined under ADA Section 12181 ( 7 ) ( f ), continues to refuse to communicate in any manner accept voice telephone calls. See : https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( 7 ) % 20Public % 20accommodation, entities % 20affect % 20commerce NFCU 's " failure to make reasonable modifications in policies, practices, or procedures, when such modifications are necessary to afford such goods, services, facilities, privileges, advantages, or accommodations to individuals with disabilities, unless the entity can demonstrate that making such modifications would fundamentally alter the nature of such goods, services, facilities, privileges, advantages, or accommodations '' is a form of discrimination, violating the ADA. See : 1. ADA Section 12182 ( b ) ( 2 ) ( A ) ( ii ) https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( ii ) % 20a % 20failure, advantages % 2C % 20or % 20accommodations % 3B 2. ADA Section 12182 ( b ) ( 2 ) ( A ) ( iii ) https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( iii ) % 20a % 20failure, an % 20undue % 20burden % 3B Navy Federal Credit Union has blocked my ability to make electronic mortgage payments, will not accept payment at an ATM, or a physical branch, and has not repaired their online messaging system, nor do they provide a means to reach them via email or chat. ADA Section 12201 ( f ) precludes NFCU from requiring me to communicate with them via phone. See : https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( d ) % 20Accommodations % 20and, not % 20to % 20accept. I just want to make my delinquent mortgage payments. |
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| 04/02/2023 | Yes |
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Web | Servicemember |
| Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Navy Federal for withholding my funds since XX/XX/XXXX, despite my compliance with all bank protocols and rules. I opened my Navy Federal account in XX/XX/XXXX and have always been in good standing with my account. I have multiple businesses, including clothing brand established in XXXX in XXXX, Florida. On XX/XX/XXXX, i was at a public event as a vendor doing a pop up shop, a customer made a transaction for {$9200.00} for a large order of hats from my business purchasing bulk order at wholesale price. Customer received the goods from me i took information from him and deal was done. Following the transaction, I was later contacted by the Navy Federal fraud security department days after the transaction, requesting verification of the name of the individual who made the payment. I informed the representative that I was not available to verify the name at that moment, as I was out of my office. I requested a call-back number, but the representative was rude and disrespectful towards me. Before I knew it, my account was restricted ( Business & Personal ), and it has remained that way since that day. Despite submitting two security appeal forms with that name she requested, the restriction on my account has not been lifted. Prior to the submitting the appeal form I called back and gave the name info to the Navy Federal fraud department. Due to the restriction on my account, I have been unable to access my funds, and I have been unable to close the account. I have received mail from Navy Federal every month since 2019 about the interest on the money in my account. However, I am unable to withdraw funds or make new transactions, which has negatively impacted my business operations. The restriction has also caused me to go into negative balance with my checking account, resulting in overdraft fees. When I've visited the Navy Federal branch in XXXX Fl several times about this matter, I was treated poorly and given the run-around. The staff acted as if I had done something wrong, despite my compliance with all bank protocols and rules. No one has explained to me why the account can not be closed or why the restriction can not be lifted. I believe that Navy Federal 's actions are unjustified and unfair. I am filing a complaint with the CFPB to seek resolution to this issue and request that the restriction on my account be lifted immediately. I would also like my funds from this account and for the account to be closed. Thank you for your attention to this matter. Sincerely, | ||||||
| 07/12/2022 | Yes |
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Web | Servicemember |
| I'm an XXXX XXXX XXXX XXXX XXXX XXXX and has Navy Federal Credit Union online banking ( there is no local branch, neither does Navy Federal Credit Union have shared banking with other Credit Unions ). I requested Navy Federal Credit Bank {$50000.00} personal loan, which was immediately approved and I had it transferred to my savings account with Navy Federal Credit Union. I requested Navy Federal Credit Union to wire transfer {$25000.00} to an external personal Credit Union XX/XX/2022. They asked me to put it in writing and email to XXXX with a copy of my govt issued ID card, three signatures and 3 signatures and Code word. I submitted request as instructed. I didn't receive any confirmation of receipt of email, so I called them 48hours later. They informed me they received the email but my govt ID was blurry. I resubmitted XXXX XX/XX/2022 and once again waited to no response. Since XXXX XX/XX/2022, I have called Navy Federal Credit union on their toll-free number XXXX numerous times trying to get the security department to verify me, all I got was over 2 hours wait time then the call drops. On XXXX XX/XX/2022, I called the toll-free number, I was asked to resubmit my request and change my code name, which I did and resubmitted the request. On XXXX XX/XX/2022, I once again called and was asked to give the Security team 3-5 business day response. When I requested to speak to the department head, they once again put me on a 2:27 min hold before the call dropped. I have gone to the extent of sending a friend to local Navy Federal Branch in XXXX Texas to verify the email and my current situation ( keep you on hold for 2 hours, and not respond to any emails ) and provide me their local branch phone number While the branch refused to confirm or deny, they handed him a business card with the same toll free number XXXX. I called the call center and had them patch me to the XXXX branch, who refused to verify me or help me and asked me to call the toll free number. My online account has been blocked ; any efforts to have Navy Federal Credit Union activate it has been futile since they say they can not until their Security verify me or clear the situation. The loan payment is due XXXX XX/XX/2022 and I can not get access to my account nor the money they loaned me. Navy Federal Security department contact me via email ( as they have send me verification codes every time I call so they verify my phone call ). In addition, they say they can not call me because of time difference. Even though I've indicated am available 24/7 and there is only an 7 hour difference between us. | ||||||
| 06/14/2019 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX & XXXX XXXX We have had many issues on this short sale file that need to be addressed. Please be aware that we have already spoken to the VA about this file : 1 ) Documents sent to the negotiator XXXX XXXX XXXX at her request have been sent multiple times and have disappeared and have needed to be resent. Does Navy Fed not have a document management system for its loss mitigation purposes? 2 ) Requests made once the NOV was returned on the property ( we will discuss the issues with getting the VA appraiser into the house later ) seem to be outside of VA guidelines and include : a ) Cutting the commission to 5 % ( we have confirmed with the VA that this request was not made by them and a 6 % commission is within their guidelines. b ) Removing the seller side title insurance from the estimate -- - also NOT a VA guideline c ) Removing the Natural Hazard Disclosure fee ( which is required by the State of California that the seller provide for the sale ) NOT a VA guideline. 3 ) We have never been able to get ahold of the negotiator, nor has anyone in your front end. Now we know that this can happen when file loads are high, but when the VA appraisal was ordered and we showed up to let the appraiser in someone had changed the locks. We called Navy Fed with the appraiser present and was told that XXXX would contact the VA and find out who went out as no sticker or notice was placed on the property. Two weeks went by with us continually calling into Navy Fed asking who had gone out there to change the locks and we were continually told that the negotiator was following up with the VA to find out -- - we have been told that that never happened. To add injury to insult, we received a call from Navy Fed asking us if the appraiser had gotten in a week into this ordeal when I asked if anyone had read the notes or contacted the VA I was hit with silence. In the end, we, not Navy Fed, were able to track down the third party vendor hired even though the vendor had not labelled the property. I would like to know the following. 1 ) Why are documents being lost multiple times 2 ) Why on a VA loan are guidelines not being following ( is Navy Fed reporting to the VA that those funds were charged against the NET and then keeping the money? It may sound crazy but both XXXX and XXXX XXXX tried similar schemes and were caught ) 3 ) Why no communication? If your employees dont have time to work the files, just tell us you are backed up. Please dont lie to us about making calls to investors that never happened. | ||||||
| 09/23/2022 | Yes |
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| I sent navy federal a remittance coupon with my beneficiary signature with the amount due on both of my credit cards ; my green go rewards visa and blue more rewards XXXX XXXX. they wrote me back saying the debt was valid and closed my account. also with the remittance coupon i sent a cover letter notarized stating their fraud when double dipping at n cest que vie trust. the definition of a bond and coupon and etc... they wrote me back saying the debt was valid. the obligations of the united states 18 usc 8 ; obligations of the united states includes, all bonds, certificate of indebtedness, national bank currency , federal reserve notes, FRN bank notes, coupons, united states notes, treasury notes, gold certifications, silver certificates, fractional notes, certificate of deposits, bills, checks, drafts for money, drawn by or upon authorized officers of the unites states, stamps and other representative of value or whatever denomination issued under the act of congress and cancelled united states. In lament terms I am a creditor cant owe debt only the united states. credit card defined under the truth in lending act 15 usc 1601. A credit card is any card card, plate, coupon book, or other credit devices existing for the purposes of obtaining money, property, labor services on credit. Navy federal is the original debt collector and credit bureaus are 3rd party collectors. congress said under 15 usc 1692 there is an abundant evidence of the use of abusive deceptive, and unfair debt collection practices by many debt collectors, abusive debt collection practices contribute to the number of personal bankruptcies, martial instability, loss of jobs, and invasion of privacy. IN ADDITION I DEPOSITED A CHECK INTO MY SAVINGS. NAVY FEDERAL STOLE MY MONEY FROM MY SAVINGS TO PAY THE CREDIT CARD AFTER THE LETTER WAS SENT. THIS HAPPENED ON XX/XX/2022. I called to have them reverse it they refused. the supervisor was nasty and I informed her that it was unlawful but she was adamant about it. She said it was legal. i explained to her that lawful and legal was not the same. she then proceed to send me the terms and agreement which does not apply here. I am not an employee. No policy overrides law. This grounds for a lawsuit. i also sent them another letter that was delivered express mail and received on XX/XX/XXXX stating I am the original creditor and they are the debtor. they should credit my account for 3 business days from the postmark. they have not done so. i sent them a notice of liability and the terms of conditions if they refused what will be the monetary consequences. | ||||||
| 01/23/2022 | Yes |
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| In XX/XX/XXXX, I contacted XXXX XXXX XXXX in XXXX, Georgia, to make an appointment for a recall transmission service of a XXXX XXXX XXXX. Recall transmission repairs have been done at this same dealership in the past. I was unable to drive the car and was given an appointment to drop the car off on XX/XX/XXXX, which I did. I immediately requested a loaner vehicle and was told one wasnt available. After, several weeks I was approved to receive a rental through XXXX but can not use that rental care company due to owing a balance. I had a similar issue in the past with XXXX, who immediately allowed me to rent a car through XXXX. I was eventually informed I could rent with another car rental company and receive reimbursement. However, I did not receive this information in writing, and it would incur thousands of dollars upfront with no clear standard on the rental process or when I will receive reimbursement. This is not feasible considering I am still paying the monthly note to Navy Federal Credit Union and the insurance while the car is inoperable. My most recent attempt to resolve this was on XX/XX/XXXX at the XXXX XXXX XXXX, where I was given the contact information to XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. I made two calls to XXXXXXXX XXXX XXXX. During the first call, I have informed XXXX at XXXX XXXX XXXX was instructed on how to approve a car rental through XXXX based on the extenuating services the manager would assist. I was told no case number could be provided because all rentals are handled on the dealership level. Following this call, I immediately texted the manager, XXXX, about this encounter and called XXXX XXXX XXXX and asked to speak to XXXX. I was informed there were no employees with that name. I again called XXXX Customer Service and was informed there was no record of my previous call. The representative attempted to contact XXXX XXXX XXXX and stated they could not reach anyone. I also called the XXXX XXXX XXXX XXXX XXXX and was instructed to file an online complaint. I would also like to make it known I am a Registered Nurse and frontline worker and must travel from XXXX XXXX to XXXX to work, at least 40 miles one way. This hardship has created tension at my workplace because I can not take any time off due to the pandemic. There is also tension in my relationships as I beg for rides and provide them cash, increasing my debts. Since it has been almost three months with no anticipated end date due to the needed transmission module, the suitable option would be Navy Federal releasing me from this loan with no debt owed. | ||||||
| 04/18/2022 | Yes |
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| On XX/XX/XXXX, Consumer, Natural person, wrote a letter to Navy Federal Credit Union addressed to CEO, XXXX XXXX of furnishing inaccurate information, and failing to follow reasonable procedures for ensuring the accuracy of Consumer information, failing to properly investigate a Consumer dispute and issuing or obtaining a Consumer report for impermissible purposes has caused Consumer severe and actual damages for an account that is on Consumer credit report for a number of years as a CHARGED OFF. NFCU continues to act XXXX XXXX XXXX as if they don't know what account Consumer is speaking of. Along with Consumer letter of them having a duty, the Consumer also sent in the IRS Form 1099 OID is which was submitted to IRS in XXXX. As stated in my letter informing NFCU that they CHARGED OFF the said debt on the REVOLVING CREDIT CARD that was paid in full. IRS Publication 4681 states if NFCU never sent Consumer a 1099 C form but DISCHARGED the debt and according to the IRS NFCU must report cancelled debt as gross income on NFCU tax returns and the IRS clearly define CHARGED OFF as gross or ordinary income which does not get reported on CONSUMER reports, which is fact makes NFCU reporting inaccurate. NFCU reported to XXXX that this debt was a collection and charge off and payments after charge off/collection-paid profit and loss while they reported to XXXX unpaid balance reported as a loss by credit grantor and that Consumer opened this account on XX/XX/XXXX. NFCU decided not to respond to this account # XXXX and instead decided to address an active XXXX XXXX XXXX XXXX XXXX XXXX account that has never had any issues. NFCU requested for Consumer to send : 1. Detailed description of the item and why Consumer feel it is inaccurate 2. Date of the disputed item. 3. Full XXXX account number in question 4. Copy of the single bureau credit report from XXXX, XXXX and XXXX that reflect the dispute And threaten Consumer stating without this information, in which Consumer has submitted a Notarized and Certified detailed debt validation letter addressed to CEO for DISCHARGED debt and copy of 1099 C along with Damages caused to Consumer [ Exhibit 1 ], Ceast & Desist Letter [ Exhibit 2 ], Invoice [ Exhibit 3 ] and Drivers License [ Exhibit 4 } and Copy of 1099 C [ Exhibit 5 ] that Consumer sent to IRS for XXXX Estate Taxes. Also, the statutory limit for a credit card to be reported under Michigan Regulation and Collection Practices ( Excerpt ) Act XXXX of XXXX Prohibited Acts, NFCU has 6 years from the date of last payment to collect debt. Letter from NFCU [ Exhibit 5 ]. | ||||||
| 10/27/2021 | Yes |
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Web | Servicemember |
| Between XX/XX/XXXX and XX/XX/XXXX I received {$340.00} in fees from my Navy Federal Credit Union bank account at this time I was in the hospital and I have been there for two weeks fighting XXXX apparently XXXX tried to charge my account multiple times in a day for a {$11.00} charge So Navy decided to charge me {$340.00} in fees for my XXXX transaction meanwhile Im in the hospital had a respirator on because I cant breathe I didnt have time to cancel whatever auto pay stuff I had going on at the moment now I get out the hospital and I called him about it and tell him the situation they didnt really care too much they reimbursed half of it so far - {$11.00} charge I basically had to pay {$200.00} meanwhile Im not working because Im in the hospital I had also lost my job and money is extremely tight in this company didnt even call me or anything to notify me hey your accounts going negative a transaction keeps coming through we keep allowing it but it keeps getting denied and were just gon na keep charging you fees no message was ever sent or an attempt to notify a customer especially in a time of a pandemic every XXXX counts and Navy at this point just feel like theyre taking a vantage on top of that today on XXXX XXXX I called again because I had available money in my account from my phone bill to come out I seen it with my own eyes the next morning I wake up the transaction was denied and they charge me a {$29.00} insignificant funds fee so I call and say why did this happen because I physically seen available credit in my account when the check was coming through and now all the sudden you guys denied my check you guys charge me a fee and now my phone bill companies also charging me a fee the money was available but it was also pending but on the top of the screen still showed available credit with the correct amount needed to cover the bill the lady tried to tell me oh if its pending the money is not available to spend why would they put it next to the available funds box showing how much is available including my check is deposited the lady on the phone had a horrible attitude didnt want to help I explain multiple times that you guys just keep scaring me with these fees and it seems like this account is just for you guys to make money and XXXX the customer and you dont want to help at all nor notify the customer about anything you guys just dont care and not only is it XXXX as a consumer it also affecting my livelihood and I would like just reimbursement for my fees that I got money is already extremely tight and my own bank is making it worse against me | ||||||
| 11/19/2021 | Yes |
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Web | Servicemember |
| I am not a fictious CORPORATE ENTITY, or PUBLIC OFFICE HOLDER using any fraudulent government-created, UPPER-CASE name, XXXX XXXX XXXX XXXX XXXX that resembles my natural name. This upper-case fictional identity was forged for unlawful commercial gain from a birth certificate contract without full disclosure to me and without my consent or my mothers consent. 1. There is no evidence that XXXX XXXX XXXX XXXX has any outstanding liabilities or obligations with NAVY FEDERAL CREDIT UNION under the doctrine of ultra vires. By doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporate powers is unlawful. Affiant believes there is no proof to the contrary. 2. Pursuant to Title 12, Section 24 paragraph 7, it explains the power of the XXXX XXXX XXXX. 12 U.S. Code 38 - The XXXX XXXX XXXX States ; Seventh. To exercise by its board of directors or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking ; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt ; by receiving deposits ; by buying and selling exchange, coin, and bullion ; by loaning money on personal security ; and by obtaining, issuing, and circulating notes according to the provisions of title 62 of the Revised Statutes. NAVY FEDERAL CREDIT UNION brought forward and loaned its own CREDIT within the Consumer Transaction/Contract. Bank do not have the authority to create nor loan out credit and have committed unlawful acts of fraud and have violated SEC rules and regulations. Affiant believes there is no proof to the contrary. 5. Fact, the United States Federal Government has been dissolved by the Emergency Banking Act, XX/XX/1933, 48 Stat. 1, Public Law 89-719 ; declared by President Roosevelt, being bankrupt and insolvent. H.J.R. 192, 73rd Congress in session XX/XX/1933 - Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. Federal Reserve Notes ( FRNs ) are unsigned checks written on a closed account. FRNs are an inflatable paper system designed to create debt through inflation. To pay a debt, you must pay with value or substance ( i.e., gold, silver, barter or a commodity ). With FRNs, you can only discharge a debt. You can not pay a debt with a debt currency system. Federal Reserve notes make no such promises, and are not money, you can not service a debt with a currency that has no backing in value or substance. No contract in Common law is valid unless it involves an exchange of good & valuable consideration. | ||||||
| 01/11/2022 | Yes |
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| To whom it may concern, On XXXX I visited Full Moon Restaurant in XXXX XXXX XXXX CA with spouse and spent a total of {$87.00}. {$71.00} food total ( receipt attached ) and a {$15.00} tip. A couple days later, I follow up on my credit card account and notice that an unauthorized purchase of {$140.00} from Full Moon along with my original purchase of {$87.00} ( {$71.00} food+ {$15.00} tip ). I called Navy Federal Credit Union and informed them of the situation of the unauthorized transaction of {$140.00} on XX/XX/XXXX. They informed me that they will be cancelling my, will be sending me a new credit card and refunding me the amount of {$140.00} for the unauthorized transaction. On XX/XX/XXXX, I check online and see that the credit of {$140.00} is posted in my account. Then on my XXXX statement ( XX/XX/XXXX ) I see an account adjustment for {$140.00}. I called XXXX XXXX to see what the issue was as I had previously thought the unauthorized charge was resolved. They informed me that the credit was reversed and that I would have to submit a dispute to resolve the matter. At this point I was confused what the issue was, so I ask the XXXX XXXX employee on the process since I was unfamiliar with disputing charges. The associate guided me through the process, and I submitted the request with the original receipt that they asked for. Around XXXX time, I receive a letter from XXXX XXXX regarding my dispute asking for additional documents, so I called them for clarification, and they stated that no action was needed and that they were still reviewing my dispute. Yesterday XX/XX/XXXX, I receive another letter from XXXX XXXX that my dispute was denied and to call them for any questions. My complaint is with Navy Federal Credit Union. I dont understand how they can not have handle an unauthorized charge. I called them immediately when I noticed the discrepancy and they assured me that it would be handled. They initially credited my account of the unauthorized charge and then take it back and ask me to file a dispute. I understand that they may need additional information which I provided but they are denying my dispute even though I provided them a receipt. I have attached the original receipt of food bill from Full Moon ( {$71.00} ), my XXXX credit card statement and screenshots of a XXXX conversation that my spouse was having with XXXX XXXX. They had informed her that they had a glitch that night of XX/XX/XXXX and that another person tab was charged on my card. I believe this to be the unauthorized charge of {$140.00}. Thank you for your attention on this matter | ||||||
| 06/02/2021 | Yes |
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| A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of 15 usc 1692b. Pursuant to 15 usc1611 Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to 15 usc 1640, and they are liable for each fdcpa violation pursuant to 15 usc 1692k. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately | ||||||
| 03/23/2021 | Yes |
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Web | Older American |
| XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX XXXX XXXX XXXX XXXX XX/XX/2021 dear sir/madame, i want to make a complaint about the navy federal credit union. i am coming to you because no matter how many times i discuss my concerns worries with them and make formal complaints they ignore them. i recently made a complaint with the better busines bureau but i received no response from the credit union. on yesterday XX/XX/2021, i checked by account and discovered {$2800.00} was debited into my saving account. i knew right away it did not belong there, so i called the credit union to report their error, once again. it took several calls for them to take the money out of my account and place it with the people that it belong to. their attitude was " it was just a mistake, XXXX XXXX '', she then tried to blame the irs no, because i only used that credit union for my mortage. the errors they made with my mortage has put me in financial hardship. they dont care if they mess up our money. my son, XXXX XXXX, told me he had the same mortgage problem with them concerning his money. this {$2800.00} error is serious to me. it should'nt happen. with a large organization as the nfcu. there sould be auditers, cpa 's and/or accountants so our money will go into the right accounts. just think if i had not discovered the error the person that money belong to could've been hurting, like i was when the made the huge mistake in my mortgage and escrow payments. why are they making errors with people 's money. i recommended my son to this credit union to handle his mortgage but the error with him was over {$6000.00} per my understanding. i am only mentioning my son to let you know there is a history or habit that the nfcu has with mortgage programs. i pay extra to principle and escrow every month from {$130.00} to XXXX for principal and {$20.00} to XXXX to escrow. they paid out to my home owners insurance XXXX in XX/XX/2021 then they said they received another bill for XXXX in XX/XX/2021 so they paid.again, that time that payment put me in a in a deficient. they said i was short XXXX so they took my mortgage up from XXXX {$910.00} i couldn't afford a {$70.00} increase. they dropped it to {$900.00}. these errors shouldn't happen. when we trust the credit union with our mone and mortgages we expect top notch wervice, but we are not getting it. the worse part is they don't care. i am requesting a response back and a remedy so i know it won't happen again. i worked 32 years with DoD, had i made mistakes like that i couldn't stayed there. Respectfully, XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/01/2019 | Yes |
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Web | Servicemember |
| XX/XX/XXXX {$3500.00} Deposited Cashier Check into Navy Federal Credit Union Account and cleared on XX/XX/XXXX XX/XX/XXXX and XXXX {$1600.00} XXXX Shipper Fee in 3 separate transactions So as it turns out I was scammed, I posted my vehicle to be sold online after negotiating a price with the buyer I receive the following response Sounds good, I would like to make an outright purchase but i'd be paying through cashier check as it comes from my salary account, I can add {$50.00} for holding it for us. The shipper pick up after check cashed and cleared at your Bank. Me not knowing what I know now I assumed this was just as good as cashed so I agreed. I received the check priority mailed and deposited into my account I advised the buyer, we agreed once the check cleared Ill send {$150.00} via XXXX for the shipper payment so they can pick it up and the rest XXXX response Good, Shipping fee as quoted by my shipper is added on the payment sent to you, You are to deduct your money + extra {$50.00} for holding fee and have the rest wired to my shipper, We will await payment clearance before pick up.Thanks and let me know if i can trust you to handle the situation. You split the money into two, firstly send {$900.00} and send the remain {$750.00} in few minutes now and get back to me with the screen shot of confirmation to me so that I could forward it to the shipper for the pick up ok. After having issues with my bank I was finally able to send the funds thinking this would be the best way as at the time I assumed XXXX provided protection. Later the seller stated something came up and could not go thru with the sell and asked I refund him I stated no sale is finally kept getting push back and at this point is when the radars went off. I called XXXX to stop the payments as it was pending couldnt do that called the bank to stop the payment that stated was already sent and nothing could be done until posted to dispute. Well I did the dispute and of course the bank declined it stating I sent the funds to the person. Even after explaining the situation, trying to get ahead of it, providing attachments of the ad and text conversation with the buyer it wasnt enough. I thought the bank was to protect me! Yes I sent the money but that was done because the check cleared an posted, i didnt know the funds would be available even though the check was not verified, why did the bank clear the check if it hasnt been validated? The bank misconception couldve avoided this. I will never use XXXX again, its like the intentions is to support the ones who are running these scams. | ||||||
| 11/04/2021 | Yes |
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Web | Servicemember |
| I have been a Navy Federal Credit Union member since I opened my first account in XXXX. The account was a checking account ending in XXXX. My spouse at the time was added as a joint owner. In XXXX we were divorced and he was removed from my account. I provided NFCU with the divorce agreement. A few months later money was taken out of my account using an ATM by my ex spouse. I went into NFCU and informed them of the withdrawal and they apologized and said it was an error but I was out the money. I did provide a copy of our divorce agreement again. As a result I opened another checking account and sparingly use the XXXX account and keep a minimal amount of money in it. On XX/XX/XXXX I was online and viewing my accounts and noticed XXXX was transferred to a credit card from my account ending in XXXX. I contacted NFCU about this and was told the money was transferred to my ex spouse - XXXX XXXX XXXX to his credit card to pay his minimum payment. I requested more information about this and was sent a document that listed all withdrawals from my account that went to XXXX XXXX XXXX XXXX credit card account with NFCU from XXXX totalling XXXX. I didnt notice these withdrawals sooner as I did not receive paper statements and when I would check online I did not see any suspicious withdrawals until XX/XX/XXXX. Money has not been taken out monthly or consistently, only when he did not make his minimum payment. as I mentioned I used this account sparingly, it was not my main account. I did request from NFCU to be reimbursed for the money taken from my account and they said it was not their error but mine for not addressing this sooner. So I asked for the XXXX taken on XX/XX/XXXX as I reported this to NFCU on XX/XX/XXXX but was told all they could do was to stop any further withdrawals. I have since closed this account. I was assured in XXXX after money was taken out of my account without my authorization this would not happen again. I was told the money taken out to cover the minimum NFCU credit card payment was set up in XXXX. I did not receive any documents showing the withdrawals prior to XX/XX/XXXX. I am not able to see this online. I did request more information about this situation and specifically have asked to be sent a copy of the document that I authorized money to be taken from my account to cover my ex spouses NFCU credit card. I have not received that document or any information as to how this was established. What I want : for NFCU to return to me all monies that was taken from my account and transferred to XXXX XXXX XXXX 's NFCU credit card. | ||||||
| 06/21/2019 | Yes |
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| I applied to XXXX XXXX HomeBuyers Choice on XX/XX/2019 and started the process of this loan, I received an email asking me to submit lots of paperwork to get the loan started which I summited everything almost immediately ( W-2, Paycheck Stubs, Signed federal tax returns for the last two years in which I submit that same day than a few days later I received an email response from XXXX who was my loan officer she replied on XX/XX/2019, in which she told me the document I sent was received and that the loan was on track, I received a mortgage loan conditionally approval on XX/XX/2019 in the amount of {$600000.00} since I had already picked the home and stared the escrow process since before that I had already received a Pre-approval letter for the amount of {$810000.00}. I schedule an appraisal for the property and paid Navy Federal {$490.00} to get that going I received an approved appraisal on XX/XX/2019 the loan was moving perfectly fine I had even a set closing date for XX/XX/2019, then I received the final closing disclosure on the XX/XX/2019 and the loan was unable to close due to the loan processor XXXX in which I tried numerous time to communicate with her and she never responded via email or phone calls she ignored me and my loan officer, I got reassigned out of nowhere a new loan processor named XXXX who was very helpful with the process but I did ask him that if everything was fine and why we had not closed on the according to date we had agreed to which was the 17th he told me that the file had reached closing and it was not supposed to reach that department yet. He told me not to worry that everything was fine and that we just needed a few things from underwriting, then I received a call from my sales agent that he had spoken to XXXX and that the whole loan had been denied. I felt mislead throughout the whole loan process in which I was preapproved for over {$800000.00} then I went and only asked for {$600000.00}, I was allowed to open escrow with Navy Federal knowing that the loan still had not been the final approval. this is terrible business practices as I have no lost half of my deposit which was {$6000.00} due to the sales having to move for the closing and unable to move for also having them fix items from the home, of course, they had reason to be upset for the loan not closing on time also XXXX Have lost my appraisal money as they are not willing to refund me that amount and made me take this unnecessary step to close a loan they had not yet to underwrite. making me lose time and money with a misleading company with no ethics. | ||||||
| 07/28/2020 | Yes |
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Web | Servicemember |
| This situation is related to the Covid-19 Pandemic and the subsequent CARES ACT. Lender Navy Federal Credit Union ( Mortgage Arm ) Complaint : Misinformation Regarding Home Loan Forbearance of VA loan. Lender is not providing accurate information regarding loan modification options for specific loans to include VA loans to military members. Members participating in CARES where told by Navy Federal employees to make payments when possible as making payment when possible would not jeopardize the Forbearance Status. Once some payments were made the lender stated any payments made prohibited participation in the CARES modification program. Lender sent threatening letters stating CARES participant was delinquent ( even though payments were made on-time ) and the home could be foreclosed upon and negative credit reporting would be made. Member contacted lender who stated they failed to provide updated information to members regarding VA guidance which required a 90 day delinquency to participate in forbearance program. Navy Federal Credit Union ( NFCU XXXX failed to process loan modification as stated. NFCU stated a missed XX/XX/2020 payment would be moved to the end of the loan term since that one month was the only missed payment. NFCU subsequently forwarded XXXX payment to XXXX, And XXXX to XXXX making XXXX appear delinquent. In reality XXXX and prior months were paid on time. Navy Federal Credit Union is providing false, misleading, and/or outdated information to members increasing the risk for their military member base to face credit harm, foreclosure, or financial stress during the COVID-19 pandemic. Individuals in both the collection department ( XXXX ) and the loss mitigation and loan modification departments ( Supervisor XXXX XXXX ) acknowledge members were provided incorrect, misleading, or outdated information regarding their loan status and mitigation options. Members are discouraged from leaving forbearance programs, and accurate details regarding the timeline and structure of loan modifications are not provided to members. A recorded and time stamped phone call is available on Navy Federal Systems for XX/XX/2020. Time frame for phone call XXXX. Member received a certified letter threatening foreclosure and or negative credit reporting for a member participating in the CARES ACT. XXXX XXXX removed property from the CARES program on XX/XX/2020 after failing to modify the loan as promised. All payments are current, but the threat of foreclosure or negative credit reporting still looms over member to whom no remedy was provided. | ||||||
| 09/15/2015 | Yes |
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Web | |
| Navy federal Credit Union froze my entire account on a a weekend and did not have security agents available to unfreeze my account until Monday morning. Subsequently, I was forced to leave my car on the side of the road and walk miles home with bare feet ( I was wearing heels ). I could not even get a drink of water.Someone could loose their life! I live in a very rural area and a gas station or place to get help is few and far between. I was in so much pain by the time that I got to my home due to the the prior XXXX I had on my XXXX. I was literally in excruciating pain by the time I made it home. I could not believe that the institution that I entrusted with all my hard earned money told me that they could not help me. i cried and explained that I was on the side of the road and my car had tun out of gas. Why, I screamed. I have over XXXX cash in your account? No help! I pray that someone reading this mandates that if an account is frozen over the weekend, banks have employees available to unfreeze the account. First thing Monday morning I called Navy Federal Bank to figure out what was going on. I was very upset and still in pain. I explained everything that i had been through. The manager said that all of this happened to me because I deposited a check in the amount of {$750.00} into my account that was " flagged '' as a suspicious check. I then explained to the manager that they only made available {$200.00} out of that check ( which is a good check from my fiance 's boss ) and that I already had an available balance of {$1500.00} prior to depositing that check. Why in the world would you freeze and entire account, rather that just waiting for the check to clear. I said? In my heart, I knew that what they did was wrong and they caused me personal harm. When I hung up the phone, I was told that my account was unfrozen. I am deadly afraid to have any money in Navy Federal Bank anymore! Wait!!!! Here comes the worse part!!!!!! They took XXXX out of my money!!!! Keep in mind, the only money available from the deposit of the check ( good check ) was {$200.00}. They took that and then froze XXXX of my money. After me telling them what I went through the day before. How can they justify holding a check and making me incapable of paying my credit card payment in full today with my cash? This is wrong! Someone please help me. it is due on the XXXX. Today is the XXXX! My credit score is at risk of being damaged. I always pay my bill in full, I should have XXXX in my account and they took XXXX for a check that was being held anyway. Please Help me. | ||||||
| 09/11/2020 | Yes |
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Web | |
| Navy Federal doesn't value its Customer experience. I have been a Navy federal member between 4-6 years. During the pandemic this has been one of the ABSOLUTE WORST EXPERIENCES in my life with any company. I was contacted XX/XX/2020 regarding unauthorized usage on my account. As a result I removed the online banking updated contact information and proceeded on. Due to the fraud I call Navy Federal via phone daily to manage account. I have had countless issue where representatives misinform me about my balance, over draft fees and how to efficiently manage the oops balance. There are little to no notes left on the account so when calling you have to explain from start to finish each and every time. Last Wednesday XX/XX/XXXX I was attempting to with draw funds from ATM and was informed funds were insufficient. After calling navy federal I was informed that the temporary claim on my account was reversed due to me not responding. When I verified the method of out reach used I was provided an email address that was updated and requested by me to change during the online fraud issue due to me not having access to that email any longer. Due to the reversal My account was over drawn and nothing could be done even though I called Tuesday XXXX XXXX and was NEVER informed there was a pending reversal. I then received a deposit from my employer of $ XXXX on XX/XX/2020 which the first thing I did was call into Navy Federal and request a transfer to clear the overdrawn balance which I was told was {$500.00} I transferred $ XXXX to which I was told my savings account was left with a balance of $ XXXX dollars and checking about {$1000.00}. The very next day XXXX XXXX I withdrew {$140.00} from the ATM to which I was informed that my available balance shows as {$63.00}. I called to speak with 5-10 representatives including management staff and was transferred between departments and requested to escalate the issue. Unfortunately the company did not leave notes causing me to have to re-explain the issue, I was informed there was no notes left regarding the transfers or anything else I requested since XXXX XXXX. I then attempted to escalate issue higher and was informed that was not something that can be done directly to reach escalations team a note must be left, this was told to me after some one had already transferred me to the escalations team to speak with XXXX. I was told by the same supervisor that she doesn't know this person and could assure me that I was never transferred to the escalations team. I would like all calls on my account puled from XXXX. | ||||||
| 08/29/2020 | Yes |
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| I have or had a bank account with navy Federal Credit Union. I opened the account earlier this year. I recently had identity fraud on my credit and resolve in police enforcement. I am rebuilding my credit in retrospect to the damage incurred from the identity fraud. I have other lender accounts. During this pandemic and lack of work I have been collecting unemployment. Earlier this year a job offered me income for business development that I do with my ITIN and file taxes accordingly. The check bounced and the bank repremanded me by charging off my card. One check of three bounced the other two cleared. I don't have a safe stay at home scenario during this pandemic. I have stayed in hotel 's reasonable and the hotel charged my card XXXX XXXX and XXXX fir a two day stay. Navy Federal Credit Union has reopened my card access with conditions in XXXX. Then recently as last week I spoke with someone from the credit union about these miscellaneous items on my bill. They agreed it seemed I was being fouble billed for misc stuff after a cyber attack from a XXXX computer tech visiting. We happened to communicate with them on this topic and baby Federal credit my card as these charges weren't specified. This week I notice three charges from good XXXX and one totalling XXXX and two at XXXX and XXXX on the same day. I also reminded them of a false claims to XXXX on my card twice from an online vender. The credit union ask for reference in email which supposedly claims that I was obligated contractually to the vender. Navy Federal Credit Union removed the items and my card without notifying me. I called later that night because my card declined a XXXX balance. I called them night before last and they said the security office was closed. Call back in the morning to reactivate my account card. I did so and was told my card is closed and not eligible for reactivation or replacement because of a deposit in may on my check that didn't clear I didn't receive any revenue from. I just want to notify the bankers Association that when I try to survive I'm confused because the bank I invested in with a credit union. Wants to punish me instead of advocate for my account security. They want to justify closing my account and refusing access to my income. Mind you I pay for my living situation during a pandemic. I am XXXX yet again. Sleeping on streets where my wallet or other personal information will be exposed to theft. They claim I'm at fault out of state ID and weird charges on my account. Great day for justice and banking XXXX XXXX direct line XXXX Office | ||||||
| 04/03/2022 | Yes |
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| As XXXX XXXX veteran who has raised XXXX kids successfully and got a letter from President Obama and XXXX XXXX XXXX Obama through US Congresswoman XXXX XXXX, I have lived super honorably to support my young kids. To purchase something, credit utilization is very critical. Only thing most Americans cares is closing statement date, Navy federal credit union used to comply with me and my request, whenever I made a full payment to make credit utilization low ( zero ) on closing statement date, Navy federal updated and reflected on the same day to new statement ( closing statement date ). But, unfortunately, Navy federal credit union worker who is in charge of closing date statement has played with me and abused me for over weeks, Attached files indicated that I paid XXXX dollars in the credit card ending XXXX ( cash reward ) on XX/XX/XXXX to make credit utilization as XXXX before original closing date XX/XX/2022 but Navy federal credit union worker ****** ***** intentionally did not reflect on the new statement, the worker who is in charge of closing statement sent a message that they changed closing statement date to XX/XX/2022 without my consent and without considering my strong opposition. ( my opposition evidence is included in the attachment file of this case ). So I have waited to make a credit utilization XXXX until XX/XX/XXXX new closing statement date, based on the information they provided about closing statement date XX/XX/XXXX, I made a payment early morning XXXX dollars on XX/XX/2022. But in the middle of night, around XXXX pm on XX/XX/2022 ( which is not closing statement date ) Navy federal credit union worker posted closing date statement on XX/XX/2022 at XXXX. It broke the promise with me who is client and who has waited over weeks for a long time and work hard to make a payment for low credit utilization to purchase something very important for my kids in the near future.. Navy federal XXXX their client XXXX XXXX for over a month.. Navy federal credit union knows that how much important credit score and utilization for XXXX life and family. My supporters who are more than millions of XXXX, XXXX, XXXX Americans, all veterans who has served Americas freedom and I request Consumer financial protection bureau to instruct Navy federal credit union President/CEO to response to this urgent case ASAP. Best regards, Executed/Signed by The XXXX XXXX on XX/XX/2022 XXXX XXXX submitted XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) -XXXX bin number XXXX XXXX ( XXXX XXXX XXXX XXXX ) -XXXX Bin number : XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 03/24/2016 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX, received debt consolidation loan at XXXX % to payoff high interest loans. One of those high interest loans was to Navy Federal Credit Union ( NFCU ). I had XXXX write NFCU a check for {$32000.00}. On about XXXX XXXX XXXX, I noticed an unusually large amount still in my account. It appeared NFCU has not cashed their check for {$32000.00}. I called NFCU to see what the issue was. The rep stated NFCU returned the check because of an endorsement issue but they have fixed the issue and will apply the check towards the balance. The rep stated I would be getting a letter stating the check was returned but ignore it because they fixed the issue. I checked the next day and just like NFCU stated, check # XXXX for {$32000.00} to NFCU was cashed then returned. I checked NFCU website to confirm it was applied towards the payoff balance -- it was. I did the checks for the mid-month income XXXX XXXX XXXX because the next week I would be in XXXX done. I wrote the final check for {$97.00} to NFCU. Came home celebrated the holidays. Saw a large amount in my account when I was doing end-of-month checks. XXXX XXXX XXXX, I called XXXX and told them about the letter I received from NFCU. The XXXX rep stated NFCU still has the check. I checked NFCU website -- It stated the loan was paid off in full. That meant that XXXX must have credited my account instead of debiting my account or they have not posted it yet or whatever. I transferred a large amount to the saving account because they are connected. So XXXX can claim the money anytime they wanted. On XXXX XXXX XXXX, I received confirmation the loan at NFCU was paid off. Presently, forgot about the whole situation, that is why I take a lot of notes. So when XXXX take the money or call me about it, I know why. On XXXX XXXX XXXX, I tried to withdrawn {$100.00} from my NFCU account. I could not. I assumed it was because of the reported fraud. I went home to pick up brochures for a campaign and out of the blue NFCU calls me talking very fast. Basically telling me I owe them some money for some reason, and asking how do I want to pay. On XXXX XXXX XXXX, I called NFCU to get the particulars. The phone kept transferring me so I waited for the NFCU to call me back at XXXX as the rep stated because she did not have all the information, it was just dropped on her desk. I did not like that NFCU 's first inclination was to take all my money when it was so easy to see that I pay my bills on time. I have not been late on a payment to any organization for at least the last 12 years and have very good credit. | ||||||
| 09/29/2022 | Yes |
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Web | Servicemember |
| Hi my name is XXXXXXXX XXXX I had open an account with Navy Federal Credit Union been a Year and half now. My father was an XXXX XXXX and I had open and account with my father death certificate his social number on it and my Social Security number my ID Card in XXXX, XXXX and the one I email there XXXX. I faxed them my account information with a code number and they ain't contact me in XX/XX/XXXX. And I faxed again to there department on XX/XX/XXXX have receipts proof well it all started a bank teller that customer service when I called there number alot times she put the wrong code in the system a young lady done that to me and I been having direct deposit from my Social Security Income and they send my money back and no letter in the mail and I even spoke to an Managers four times even yesterday. I called this number XXXX and I been getting where they got my XXXX ID card I send them twice and they have my Old XXXX, XXXX Social Security number even a police report that my Identity Theft happin to me and the customer service said to me she said that they ain't help me at all and I send in to much to there department. I asked to speak to an General Manager and not never let me speak to no XXXX at all since that lady mess up that checking account I had and never mailed me a letter that the account was closed I even send some information to the Federal Trade Identity Theft department and what going on to I really want to let this place know what they have done to me my money went direct deposit and they send back to the Social Security Administration place back to XXXX XXXX to and I have bills over u got pay and never got a call at all by no Supervisor and General Manager at this Navy Federal Credit Union they what stealing my Identity Theft I mean this and I am going XXXX this Bank mean it my father is deceased been since XXXX and I never knew I will be done again by this kind bank that do XXXX, XXXX, Military peoples and family well my dad was in the XXXX XXXX XXXX, and two other Wars for United States Of America he was retired before he passed away I want to let this place what they have done to me and never gotten letter why my account was closed and it's there faught what that young lady done to me over the phone I got her name and date time when she done that to me and my money that I done a issues went on never got my money back in that account either with my debit card to at am Hotel where I did an disputed about and over charged to never got my {$100.00} back at all. Now my money going be returning and my bills is all behind. | ||||||
| 03/04/2022 | Yes |
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Web | Servicemember |
| It's my last day to pay my rent in time. I like to pay my rent in person with my landlord so she can give me a written receipt. Due to work schedules her and I have been missing each other so we've decided let 's do XXXX that way we can have a virtual receipt. I tried to send the money via XXXX and it was denied saying I need to call the bank to verify me. When I called in one of the automated messages stated the bank will never call me to have me verify myself by having a code sent to my phone and asking for that code. So, I took that very seriously. The first guy I spoke to went through a verification process with me then he said he had to transfer me to security. I the go on hold. I was on hold so long I started joking around with my roommate and friend. One whom is XXXX and the other is mixed. They both were making XXXX jokes to me then someone picked up the line. As I'm waiting in between the person on the phone to do whatever it is he is doing we are all still playing around. The guy then says he needs to verify me. I'm like okay cool. He then says he sent a code to my phone and I need to give it to him. I tell him there has to be another way to verify me because the automated system just said you guys wouldn't ask me for a code. He then goes on to say this is his job don't tell him how to do his job. First of all that's rude because it's my account with my funds and if there were no accounts there would be no job. The guy begins laughing and etc and I say hey I don't see what's funny. Anyways, my friend says something and I yelled out I'm sick of XXXX XXXX XXXX people. The guys goes on telling me I don't need to be XXXX etc and continues on being rude. Regardless to what I say he doesn't know who I'm speaking to. He's supposed to provide customer service. Now I have to pay a {$50.00} fee because they didn't want to do their job. I kept asking for a supervisor about XXXX times. The supervisor kept asking questions that the initial guy had already asked me. So, I'm confused because I was supposed to be transferred so he should have had all of information pulled up. I am highly upset right now. I was supposed to be in bed hours ago yet I'm up dealing with this nonsense. Something needs to be done and something needs to be done asap. For the record I never received a code. The supervisor just XXXX me off even more because he tried to act as if he was being professional but I know exactly how the field is as per Ive worked in the field myself for 12 years or so. XX/XX/2022 at XXXX is when the call was made. Navy Federal Credit Union | ||||||
| 05/30/2022 | Yes |
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Web | |
| I received a call from Navy Federal Credit Union in regards to making a payment on my account. The reason I was unable to make the payment was because Navy Federal Credit Union restricted my account and I'm unable to make payments which is unfair to I, the consumer. They accused me of fraud when all I did is help my family members and friends apply for their credit products. The reason why federal credit unions were put in place under the Federal Credit Union Act were to help people who are unable to receive credit from banks. There is a large amount of the minority population that do not understand this. As an informed consumer, I know my rights and did nothing but help my people who were in need. Your money is from the federal reserve and is reserved for me. They also restricted my credit cards so they have the accounts open and I can't even use them. They are charging me interest on cards that I can't use. They also held my money and gave me no way to access the funds as all of my cards are restricted. So in order to make the payment, I would have to call them every time to do so. Under truth and lending, 15usc1666b ( a ) " a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date. '' I have never received no documentation from navy federal and if they claimed to have delivered it online, I had no access to this document, therefore it wasn't delivered to me. The late payment is on the date of XX/XX/2022. I spoke to a manager from XXXX XXXX named XXXX and she claimed to say they had a confusion of my address on file. I have proof that they do have my address on file, because the recently sent a bank statement to me with the money that they've been holding. She also didn't give me information that I could dispute the late payment with the creditor directly which is a violation of the Fair Credit Reporting Act. My account was restricted, my credit cards remained opened and unable to be utilized. There are more violations that were violated but I don't need to list all of them. I will attach proof that they do have my address on file and did not deliver the documents necessary to put a late payment on my report and well as proof of the account being restricted so I'm unable to access any digital documents delivered as well. | ||||||
| 09/13/2022 | Yes |
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Web | Older American |
| Phone number : XXXX XXXX His address is XXXX, XXXX Both XXXX and XXXX XXXX maintained contact. All our correspondences in is still in my XXXX chat. Subsequently other demands were made : this money she promised to repay with assurance from XXXX who was acting as her liaison. Payments made to XXXX. XXXX XXXX. XX/XX/XXXX {$2500.00} [ XXXX Cashiers Check # XXXX XX/XX/XXXX {$1100.00} [ Payment by XXXX XXXX ] XX/XX/XXXX {$2800.00} [ payment by XXXX XXXX ] XX/XX/XXXX {$2000.00} [ XXXX XXXX XXXX through Navy Federal Credit Union ] XX/XX/XXXX {$1500.00} [ XXXX XXXX ] On XX/XX/XXXX, my XXXX account was hacked. All my contacts were requested to send amounts ranging from XXXX ( XXXX, XXXX XXXX ) to XXXX. My niece was one of those that received the request for XXXX. She was told that my senior brother has emergency and I needed the money to pay deposit for hospital bill. Thank XXXX, a friend was on the phone when this was going on. She told him that they needed to hang up because her uncle just requested money on emergence. The young man asked if her uncle has ever told her a family member was sick. When she said No!, the guy asked that last time she spoke with her uncle ( me ) and she said the day before. He told her that was a hacker. That she should call me immediately, before sending any money. That call came at XXXX XXXX California Time. When I picked the phone in panic she asked if I sent her a message requesting money. When I said I did not, she told me my XXXX ( XXXX ) account has been hacked. She proceeded to post on my site warning all my friends that MY Account has been hacked and that they should not give money to Hacker. Some friends were in the process of sending the money when they received the Alert. Two days ago a XXXX XXXX XXXX XXXX ( probably fake name ) with phone number that was contacting me as XXXX. XXXX XXXX ( XXXX ) reached out to me and told me that a XXXX XXXX XXXX XXXX [ Phone number XXXX was the person that hacked my account and was the person posing as XXXX. XXXX XXXX. He also said that the hacking was carried out in XXXX, XXXX XXXX, XXXX. *** I have pictures and all the chats resulting from these conversations. My major concern is to stop these hackers given their boldness and all the Accounts they operate in the United States especially through the Navy Federal Credit Union, using the name of a possible true XXXX. Please if you need further assistance from me, I will be very glad to provide. PLEASE HELP STOP FURTHER DAMAGES FROM THESE HACKERS. YOU CAN SEE THAT THAY ARE VERY CCONNECTED IN THEIR NETWORK. | ||||||
| 06/04/2018 | Yes |
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Web | |
| After trying to reach a resolution with Navy Federal Credit union, it seems that in their previous response no answer was given on the steps being taken to remove these accounts from my name and the identity theft that has occurred. Previously i tried to notify Navy Federal Credit Union, that i have not ever applied for Membership with their Credit Union. I did not apply for any credit cards, and i have not applied for a checking or savings account. These accounts were opened as a result of Identity theft. I will attach the FTC Report. Navy Federal isn't taking any steps to resolve this issue and as a matter of fact they think its more or less a joke. I do not find Identity Theft a joke and do not find it funny. I even notified them by letter that i was a victim of ID theft and that i believed accounts were opened in my name. Additionally i did not allow permission for anyone to add me as an authorized user on any card this is also fraudulent. I notified their credit union promptly. Nothing has been resolved and they are showing two charged off cards and one card on my credit report as an authorized user. I did not use these cards to benefit. I did not apply for these credit cards or membership this occurred online. I did not give authorization for these credit cards. I want this resolved. You already attempted to send the Police department to my home for Elder abuse? This again is harassment first of all, the cop was stunned to learn that the person you said i was alleged abusing doesn't even live in my home. I advised the police officer that, and also advised Navy Federal has caused harassment to me and my entire family. This is the third case of Elder abuse they attempted to turn me in for, and lost every single time. Stop trying to harass me and my family. Remove the fraudulent accounts from my name and my liability. I do not care who your director of security " XXXX '' is and i do not care he used to be a police officer as he stated to my mother, and once again threatened her to visit her home. Then advised her he will turn me and my mother in for Elder Abuse. He attempted to do so and had the police department come to my home on false accusations. Again this is harassment. You can't send police to my home when you have no applicable cause. I want the CFPB to look into the way Navy Federal is treating people, especially victims of Fraud they treat them like dirt and harass them, threaten them and even go as far as to show up to your home. This is scary and you should not have to feel threatened from a Financial Institution. | ||||||
| 02/03/2022 | Yes |
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Web | Servicemember |
| I am emailing you all in regards to a matter that has gone unresolved dating as far back to XXXX. In that year of XXXX there was a incident of a check that I deposited for a relative that had returned after processing. This incident took place at the very same time as the XXXX of my XXXX and my battle with my health which had taken a a downward spiral. My family and I were deep in grief, disbelief and hurt as we sought to lay my XXXX to rest, seek justice for him, and find peace. I deposited the check unknowingly that it was a any issue as I am was just being family to a a family member. You all notified and made me aware of the matter. I was in no headspace to pursue the matter of claim against this relative because of what my family and I were already faced with. So I paid the amount that was made to cash, the penalties and all monies owed in the excess of the returned/insufficient check. I did not bother with dispute or refuting, thinking that I can not handle going through that arbitration, deal with trying to hurry my nephew, as well as my diagnosis of XXXX XXXX I was just in no shape to begin to just have more to deal with outside what I was struggling with at the time. Unbeknownst to me this will cause my account to be restricted and lead to me not being able to have a live active checking account with you all. Aside from that although I have the restriction and closed checking account I still have my savings with this financial institution which is baffling, disheartening, in short overall unjust that even with the savings I can not fully access the complete experience of banking with your financial institution as I had in the past prior to the incident. If that were not enough you all issued a credit card to me in which I am prohibited from using. I received the card and then a letter stating that I can not use the account as aforementioned due to a restriction. This same account and card that I am not able to use however, was used fraudulently by someone else. So now here we are with no resolve in the matter of me not being able to have a checking account, but I have an active savings account as well as having a credit card that I am not allowed to use, but it has been fraudulently used. In no way does this makes any logical sense. So I ask that you handle this matter will great intent, diligence, respect and regard to have me treated fairly as a customer/ banking member. All I ask is for this to be cleared, grant me access to the credit card and to a checking account. My access # XXXX and credit account XXXX ..... | ||||||
| 03/02/2023 | Yes |
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Web | |
| I was scheduled for XXXX XXXX on Wednesday, XX/XX/XXXX. I did research on finding XXXX XXXX and came across XXXX XXXX XXXX. This facility marketed itself as having 24/7 around the clock nurse care. I booked my stay for 7 days and had to pay in full at the time of booking. I checked in on XX/XX/XXXX and began to notice problems right away. During this time, I received little to no help or care, post XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The staff tried measures such as giving me a liquid IV to keep me from going to the hospital. On XX/XX/XXXX, I finally convinced the unlicensed staff that I needed to go to the XXXX. I presented at the hospital with XXXX XXXX XXXX and XXXX XXXX. I was immediately admitted and treated with multiple XXXX XXXX During my time in the house, we had little care, they were low on food and cleaning supplies such as detergent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were told to duck and hide from neighbors as they were noisy and called the police on them before, due to suspicious activity.The house manager XXXX XXXX claimed to be a nurse, however, I can't find a nursing license under his name. This facility was not safe and I felt like I would die due to the lack of knowledge and care that they were providing. I was due to check out on XX/XX/XXXX. I was admitting into the hospital on XXXX. Upon release from the hospital, I changed my flight and immediately flew back to Texas. I paid for 7 days of care and I only received 3 days of care. I reached out the the owner via text and she advised that she would refund the money, but it never came. I filed complaints with my banking institution Navy Federal for 1. the XXXX XXXX and 2. XXXX XXXX XXXX. The bank refunded my money for the 3 XXXX I did not receive, however, they refuse to issue a refund for my stay which I was not present to receive services. Their reason is that I received some services. I have provided documents that I only stayed 3 days and they still will not refund my 4 days of stay they I was not at the property and did not receive service. Since filing this claim, the local news has investigated XXXX XXXX XXXX XXXX and she has shut down and erase anything related to XXXX XXXX XXXX XXXX. It was proven that it was illegal and did not have proper care and unsafe. The website and all social medias related to the recovery house are gone. Based on her personal XXXX @ XXXX she is now on to her next scam " XXXX XXXX '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 12/14/2023 | Yes |
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Web | |
| On XX/XX/XXXX, I received an alert on my phone from my credit union ( Navy Federal ) that there was suspicious activity occurring on my checking account. I received a follow up phone call from a NFCU representative to review my account history. Upon further review, we determined that multiple unauthorized charges were posting from XXXX ranging in amounts from {$2.00} through {$390.00}. The bulk of the larger charges occurred within that week, which alerted NFCU. However, after reviewing my bank statements, I determined that there were multiple unauthorized charges to my account from XXXX over the last 3 months. The representative filed 2 fraud claims on my behalf, XXXX for {$410.00} and another for {$2500.00}. The representative sent me a Statement of Forgery to complete. XX/XX/XXXX I contacted XXXX to determine the source of the charges as there is no record of them in my purchase history. The XXXX representative confirmed that an excess of XXXX UNAUTHORIZED charges posted to my account that did not originate from my XXXX XXXX. They would not provide any information on where the charges came from. XXXX initiated a claim for a refund but ultimately denied it and did not provide a reason. XX/XX/XXXX I contacted Navy Federal and was told that both claims were denied and I had the option to appeal. I submitted the statement of forgery and bank statements for XXXX, XXXX, and XX/XX/XXXX highlighting all unauthorized charges from XXXX. I confirmed that I did not authorize or provide card information for anyone to complete a transaction with XXXX. I also provided my XXXX purchase history proving that the unauthorized transactions did not originate from my XXXX account. I received a notification from NFCU that a 3rd fraud claim was filed on my behalf in the amount of {$790.00}. On XX/XX/XXXX a 4th fraud claim was filed on my behalf in the amount of {$640.00}. Navy Federal provided provisional credits and then denied 2 of the claims, reversing the credits of {$410.00} and {$640.00} ( due to come out of my account on XX/XX/XXXX ). I now have a total of {$4400.00} in unauthorized charges from XXXX that I am seeking reimbursement for. I am not confident that XXXX or NFCU will cover the fraudulent charges as both institutions have passed the responsibility back and forth. I am caught in the middle with a large amount of money taken from my account. This has caused me great financial hardship as this is in the middle of holiday season. I appreciate any assistance with getting my funds reimbursed as the charges were indeed unauthorized. | ||||||
| 03/01/2023 | Yes |
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Web | |
| XXXX XXXX, my vehicle was broken into. I did not discover this until XX/XX/2023. I logged on my account that morning and discovered {$500.00} was taken out of my account and I immediately contacted NFCU. As I am making my report to my bank the suspects tried to take out another {$500.00} but the representative was able to stop it. There was nothing the representative could do because the payment had not yet been posted. The representative informed me to wait a few days and call back when the payment was posted. I made report a few days later and was given directives to make a report with FTC. I completed that form. Following up on the process of the claim, I discovered that NFCU representative disputed my entire transaction for XXXX XXXX in the amount to $ XXXX. I never disputed that amount I only dispute The XXXX XXXX of {$160.00} and ATM withdrawal of {$500.00}. A manager assisted with getting the dispute corrected and transferred back to fraud department. I also encourage the manager to listen to all of my calls so there would not be any false information on my behalf because I know what I informed the representative that took the initial report. I have continued to check on the claim to be informed the claim was denied again. I have requested them to do a full investigation by obtaining video footage from the store to prove it was not me. They have failed to notify me of what they have received to investigate the claim. I have submitted the FTC report as well as Police Report. They are still alleging it was me that did this fraudulent transaction. It was not me. I had to start completely over by obtaining a new social security card and DL ( I have proof if need receipts ). My other banking was affected as well and not just NFCU. I have went to both store ( The XXXX XXXX and XXXX XXXX ) and they both indicated they do not keep video footage over 30 days. There is no way I could get any footage and I have been trying to get this issue resolved by doing my due diligence and turn in anything that will support my claim. Asking NFCU follow up questions of what need to be done. Little to no response. The only thing they have related is they are using information I have submitted and not telling me the facts. This has been very much frustrating because I can not express enough this fraud transaction was not me. They will not even speak to me they will relay messages through third party. I need this issue resolved. This has caused me a lot of stress and issues. I am very hurt that NFCU would allege I did this transaction. | ||||||
| 02/18/2021 | Yes |
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Web | |
| On XX/XX/XXXX, I submitted documentation to Navy Federal to open a trust account. I am a brand new customer. On XX/XX/XXXX, I received a letter from Navy Federal that an additional signature was needed to a form to open the account. The letter referenced an enclosed trust form. There was no enclosed trust form. I called Navy Federal within the posted hours at the bottom of the letter to explain that there was no enclosure but was told I would need to call back the next day because the trust department in fact had shorter hours than those posted in the letter. During this call, I got a voicemail from another Navy Federal member in Washington state that he received my trust documents. He was upset at the disclosure of my personal information to him, which included my banking account number, XXXX, driver license number, date of birth, telephone number, and some details of my trust. He felt bad for me and wanted to let me know what had happened. I shared this with Navy Federal in writing and requested a call back from their legal department, asking for an explanation, so I could get a sense of whether the data breach was more wide than the sending of my confidential paperwork to a stranger in Washington state. I did not get such a call from legal. Rather, XXXX days later, and after I spoke to a customer intake person at the bank 's call center and also went to a branch in person in XXXX the prior day to emphasize my concern on their sloppiness with key private information, I got a call from a customer service person offering little explanation of the mix up, an offer for reimbursement of a limited duration of credit monitoring, which I would have to take the time to secure on my own and then chase them for reimbursement. I requested credit protection for a considerably longer period, preferably a lifetime protection or protection while I am a customer of Navy Federal ( they first offered 12 months, then 18 months, then a maximum of two years ). I need a much more clear explanation of what happened, the chain of custody of my documents, and, frankly, an apology for the lack of care of my personal information. It also would be helpful to know how common this pattern of improper data disclosures is at Navy Federal. It is simply unfair for Navy Federal 's own members to have to ferret out its problems to protect other individual members. I also would like to be furnished with credit protections and ID theft insurance that extend past the typical two year period that ID thieves let run before engaging in ID theft. | ||||||
| 10/21/2018 | Yes |
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Web | Servicemember |
| I had an invoked power of attorney over my father who was deemed XXXX early in XX/XX/2018. I made dozens of calls to NFCU overseeing his accounts to prevent any more fraud and theft from occurring. I had a valid POA in place and the very person who had abused him financially was then allowed to take over his financial through a fraudulent document and phone calls by manipulating the system/him and calling in saying he wanted my valid POA to be revoked and to place her in control. They went with the criminal activity all along, which in essence is aiding and abetting crime. He was XXXX by two medical doctors, in a locked XXXX unit, and had no ability to make XXXX XXXX. NAVY FEDERAL should have protected his accounts by not allowing the theft to occur as I gave them all evidence prior, during and after the fact. I have continued to fight to get this money back that was stolen from my father and that NEVER should have been, had Navy Federal done their job. There is no way his financial documents should have been taken over and diverted, period. There is no question as to the FRAUD that took place. He was XXXX! My power of attorney was invoked to protect him. They not only did not protect him but have given me the runaround for the past 7 months trying to dispute this. Credit Union NAVY FEDERAL CREDIT UNION Desired Resolution They need to take responsibility for allowing a XXXX XXXX adult who was in a locked XXXX to be the victim of upwards of {$20000.00} in theft by a known perpetrator. They need to refund his account as they ALLOWED the theft to occur. They did not do their background check and erroneously took part in this crime and argue that he should be held responsible. While this is not technically Identity theft per se, it is similar, as the person who stole form the account holder impersonated herself as some one who should be given the POWER of Attorney under false pretenses. She knowingly and willingly knew she was not to touch any of his financial accounts. She had just been deemed to have exploited him in a state investigation for elder abuse. This was all conveyed to the NAVY FEDERAL credit union, along with phone numbers and documented paperwork. She in no way had any notarized power of attorney, had not revoked mine and no authority to take over his funds and steal from him. The fact that NFCU is in my opinion a crime, as I worked tirelessly to protect him and what they did is not only help the perpetrator but force me to get an emergency court injunction, adding thousands of dollars in legal fees. | ||||||
| 01/21/2016 | Yes |
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Web | |
| navy federal credit union has been reporting information that was previously deleted on my credit file the information was attached to fraudulent activity in the year of XXXX no reporting or any validation of debt letters was sent to my addresss and then admititted thru phone conversations that they did not have the right address on file and still continued to report the information after me giving notice in writting as well as verbal communication to there recovery department then on XXXX/XXXX/XXXX reaged the information and reported it to XXXX as if the information had been reporting the entire time on my credit file. I had a converstion with a XXXX XXXX in there recovery department where i was rudely talk to as well as hung up on in my attempts to try and resolve the issue i also spoke with another coworker of the supervisor by the name of XXXX who was also a supervisor alerted her to the issue and told her that i have written in and called on several occaisions trying to get the matter resolved only to be told that there was no way that the information would be removed even if there where violations under my states fair debt collection pratices act and all informaation that they are reporting will stay the same even if i dont think its fair. Aftrer requesting to speak with the director by the name of XXXX XXXX i was told that no one there will be able to handle the issue and that i needed to put everything in writting again which i did and no one contacted me back. also there was no mention that they where seeking to collect on a debt that they had charged to profit loss without giving any notice that it was there intention on collecting on a debt and that it was in leiu of the communication. Also the account does n't belong to me as the account number doesnt even exist in there records but are still reporting the information after being communicated with knowingly that the information is wrong and that it was in violation of my consumer protection rights. After calling back to try and create a resolution i spoke with another worker by the name of XXXX and was flat out accused of lying and she accused me of commiting a creime acting in the capacity of an goverment official and that i was harassing them and that if i called back again they where going to get me arrested. Also the accounts that they are reporting in my name does not even exist which if there saying that they know the information as being accurate even though the information is not in there system. and the accounts there reporting doesnt exist. | ||||||
| 02/06/2023 | Yes |
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Web | Servicemember |
| I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX and these were inaccuracies NAVY FEDERAL CR UNION Potentially negative Date openedXXXX Balance- StatusPaid, Closed. NAVY FEDERAL CR UNION Potentially negative Date openedXXXX Balance {$2100.00} StatusClosed. XXXX Potentially negative Date openedXXXX Balance {$0.00} XXXX. {$910.00} written off. XXXX XXXX Potentially negative Date openedXXXXXXXX Balance {$0.00} XXXX. {$420.00} written off. XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$450.00} XXXXCollection account. {$450.00} past due as of XX/XX/XXXX. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX BANK XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof. | ||||||
| 02/20/2021 | Yes |
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Web | Servicemember |
| I have been a member of Navy Federal Credit Union for over a decade. I have had checking, savings, CDs, vehicle loans, and in XXXX we took out a mortgage with them. In XXXX I applied to refinance our VA Home Loan in XXXX. I submitted all the paperwork which had no " select what product you are applying for '' and it got routed to be refinanced as a non-VA loan, which wouldn't have saved me anything. I found this out when talking to the processor, who then told me I had to re-apply. I did in mid XX/XX/XXXX and since that point, I have not spoken with a single person who is working on my loan. I was assigned a processor shortly after submitting, but she has not responded to multiple phone calls, voicemails, & emails. I did speak with an individual at the XXXX number, but since that person was not working on my loan, they said they would send a message to my processor, and that person would be in contact with me within XXXX business days. Never heard a thing. I received a call from a customer service rep on XX/XX/XXXX asking how it was going, I expressed my frustration and explained the situation. They asked if I wanted to escalate my issue, I said yes. I finally got a phone call from a loan officer the next day. Only problem was, they called my cell while I was at work ( not available to me ), I got a voicemail so I called back and left a voicemail with my work number, and called back the next few days trying to reach her again. Never got another response. Now Mid-XXXX I became frustrated with still no information or a single attempt to speak with me about my application, I took to NFCU 's " secure messaging '' feature of their app. I left a message on XX/XX/XXXX, explaining the lack of information and desire from my side to speak with someone. The app has a notification that you message was sent, please allow the team members 2 business days to respond. I waited, and of course nothing other than a canned message on the XXXX " Thank you for your eMessage, your correspondence has been forwarded to appropriate parties to provide a response. Thank you for being a values Navy Federal member, have a great day ''. On XX/XX/XXXX, I sent another message via the messenger. At this point I will be making my 5th mortgage payment at my old rate, costing me hundreds more in interest. NFCU has a financial gain in neglecting the processing of my application, and is in my opinion using unethical banking practices to pocket a few extra bucks, or at the very least has incompetent individuals working in their mortgage department. | ||||||
| 10/15/2020 | Yes |
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Web | |
| I previously had membership with Navy Federal that was closed due to an issue with my membership validation. Now, I have the correct information to show my ability to be a member through my grandfather 's military service. When I called, Navy Federal said there was a security hold on my account. As such, I would need to complete an appeal form and submit it with proof of my grandfather 's service to the security department. I did that. After an initial review, I was told they would need me to send in a form updating my address and proof of my new address/identity in the form of my license and a bank statement. This was not a problem and was promptly sent. To say that I have been given the runaround from Navy Federal and that their security and customer service are the most incompetent, rude and entitled group of people I have ever dealt with would be an understatement. I have been told my eligibility was confirmed, then I was told more paperwork was needed for eligibility, then I was told it was confirmed again. Then I was told by one rep there was never actually an eligibility issue ( which is why I was told they closed my accounts years ago ) and that I shouldn't have filed an appeal. But the next rep said I was correct to file an appeal. Then I was told the form to update my address would be processed first, then the security department would confirm my documents with the updated address ( i.e. ID/bank statement ). I called multiple times and multiple agents said they put notes so that it would be seen that the updated address needs to be processed first then the documents verified. I just got a message that the documents were rejected because they don't match the old address - because nobody ever updated it and they tried to verify it against the old information like they said they wouldn't. Tonight, when I tried to call the security department AGAIN, agent XXXX told me that they were closed. So at this point the bank is denying me an account, won't tell me why, won't confirm my eligibility is established and whether the paperwork submitted is sufficient, did not update my address, caused processing errors by trying to confirm an old address, and failed to explain any of the events logically. That I have to deal with this is appalling. That our military/veterans have to deal with this is disgusting. This is not a credit union, it is an unorganized dumpster. Let me be clear, while Navy Federal has been fined previously by the CFPB for their appalling business practices and they have learned nothing. | ||||||
| 06/09/2020 | Yes |
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Web | Servicemember |
| On XX/XX/2020, I received my PPP loan which I had deposited into my Navy Federal Account. I have 4 different accounts with navy federal and have always conducted my business with my personal accounts. When I applied for my PPP loan, I did not have a business account. I was using my personal account. After hearing stories about Navy Federal freezing customers accounts, I went into the branch and advised what did I need to do. I took in my docusign paperwork from my PPP as well as my application that was submitted. I also took my XXXX paperwork which proves I do have a legitimate business. The lady advised me that I would be fine because I came and to let them know. This was 2 weeks before my ACH hit. On yesterday, after calling about something else, the rep immediately placed me on hold and told me that she was having issues with her system and placed me on hold. Soon after, a supervisor picked up the phone and advised that I needed to go into the branch, take my ID and business information and my funds will be released. Cool!!! I did that. Spoke with a member service rep and she told me that I can not conduct business out of a personal account. My response was, how can you tell me how to use my money that I make? I have had very rude experiences. All 4 of my accounts with Navy are frozen. All my money is tied into Navy Federal. I advised them that I have paid bills and I have a house payment that will be coming out as well. The lady told me that she is sorry but it will be returned. So I asked who will be responsible for it and she told me that I would. I can't understand why my accounts are being frozen to begin with. I applied for the PPP loan, I got approved. This has nothing to do with Navy Federal. I also have a family of XXXX to feed and bills to pay to keep a roof over me and my children head and Navy Federal have no concern in the world. I understand people do some fraud activities and I respect the verification process, however, I verified and proved that I have a legitimate business. If Navy Federal had any stipulations with PPP loans going into a business account, then they should have noted that on their website advising their customers. This money was giving to me to keep my business running. If I don't pay my building fee, then I am going to lose what I have worked so hard for all because Navy Federal is indulging into something that has nothing to do with them. I am livid. Every time I call it is always, well we have to verify. The company did an ACH, what is it to verify.This is my money. | ||||||
| 05/12/2020 | Yes |
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Web | Servicemember |
| I have been with the NFCU for over 6 years now. I have 2 credit cards, 1 saving and checking accounts and a line of credit. I have always made my payments with no issue, I never been 30 days late on my payments. On XX/XX/2019, I had XXXX and I was forced to be on medical leave for so long and so I was out of work but I was able to continue my payment with no issue until XXXX. When I realized it would be difficult to make payments, I called all my creditors including NFCU if they can do something. They came back and said no I do not qualify for any help because I do not have enough income ( even though XXXX XXXX was able to help ) but instead, they offered to extend my due date to few months and as the deadline approached and I was still out on medical leave, I called to get another extension on all 3 accounts : 2 credit cards and the line of credit. Ultimately, I went back to work and in XXXX I was able to make large payments on all my 3 accounts. I have 3 big issues with the way NFCU treated me. For a bank that always claims to be there for the vet and their family, I think it is immoral the way they treated me. I just come to find out that, even though they said they have given me an extension on my payments, they reported all these payments as late payment on all 3 credit bureau with some of them going as high as 90 days late. This is not Ok specially in these difficult times. This is NOT helping the vet and their family. My credit score has suffered badly as a result of 7 late payment NFCU put on my credits even though I had the extension. They also suspend and cancel my line of credit. How can you people be so cruel. You don't even help like the other bank did. Also, I do not agree with the interest charged on my credit card ending XXXX. How can you charge me {$270.00} interest on purchase when I paid $ XXXX on XX/XX/XXXX before my cycle close on XX/XX/XXXX? keep in mind that when my previous balance was {$22000.00}, the interest was charged was {$280.00}. How is it that with more that half that balance ( $ XXXX ) I still pay almost the same interest even though my payment was done before the cycle close. I have the same issue with my line of credit and my other credit card. Of all the banks, NFCU is the one I would expect not to be mean to their customer but you guys were of no assistance in the time of need. I was out on medical leave for XXXX XXXX XXXX but yall did not help like other did but you destroyed my credit and charged me funny interest. I am sending this same letter to CFPB. | ||||||
| 10/05/2022 | Yes |
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Web | |
| In XX/XX/XXXX i submitted an inquiry to the irs as I had failed to receive my round 2 stimulus in the amount of {$600.00}. On XX/XX/XXXX of XXXX I received a reply which lead me to discover the funds were sent via direct deposit in XX/XX/XXXX to a checking account with NFCU I used on my XXXX tax return. An account which as of XX/XX/XXXX was no longer open. Instead of sending the funds back to the treasury as per my findings, so a paper check could be issued. Navy Federal diverted the funds to my savings account which while still technically active. Had not been used by me in over a year. In addition, as my contact info was not updated I did n it receive statements and my online access was non active. Navy Federal then allowed the funds to sit in my inactive savings for upwards of six months so I was informed by a representative, only to then be allocated to help satisfy a charged off credit card I have with the credit Union. When I spoke with them I did so with a good degree of understanding as far as their collection process goes. This XXXX due to my having been employed with them previously as a senior collections representative. That being said I know it is not standard procedure to divert direct deposit funds automatically to alternate accounts without speaking with the member. Especially when it comes to federal funds. I also know their collection system " XXXX XXXX '' monitors any pending deposits for members with outstanding lending products. So it was known my {$600.00} payment was coming prior to it even arriving and the diversion request made preemptively. I also know the {$600.00}! would have shown on the daily reports assigned to collections reps. So the moneys were left there intentionally but without a doubt monitored. I can only assume in anticipation of either new activity on my part. Or for enough time to pass for them to assume I'd never realize it was there. Mind you I was no longer using this account which statements show. Regardless, it never should have went to the savings in the first place. This rings of deception per my understanding of XXXX. While writing this I did attempt to pull statements to provide. Only to discover that while my savings is open, it is in a credits only status and my online access has been restricted. Per the representatives I spoke with however up to my round 2 payment being taken by NFCU the account was open and available for use. I had to request statements be mailed to my address. I do give permission for CFPB to request them for review purposes | ||||||
| 02/23/2022 | Yes |
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Web | Servicemember |
| I applied for a mortgage loan through Navy federal, to see how their rates stacked up against my current lender, XXXX XXXX. XXXX XXXX was assigned as my loan officer and we began to move through the process. Rates were rising so XXXX XXXX said it may be worth looking at locking the rate. My builder provided a {$3500.00} credit for using XXXX as a lender but I wanted to see how the rates compared with NFCU still. On XX/XX/2022 I was provide a rate lock quote from XXXX XXXX, Navy Federal Credit Union. The rate lock was for a new construction VA loan, and was quoted at {$570.00} to lock the rate for 120 days. I confirmed with XXXX that the cost to lock that rate for 120 days was only {$570.00}, she confirmed, so I asked her to proceed with the lock. At this point the rate was slightly cheaper to go with NFCU, even with the {$3500.00} lender credit from XXXX. After she locked the rate and presented me with my new loan estimate, I noticed that the cost of the rate lock had doubled, and she also added an origination fee of {$2200.00}. I immediately reached out to XXXX and asked her about these cost increase and requested that NFCU honor what I was quoted. After multiple attempts to call and email her, she finally responded and said that she had fixed it. The new loan estimate came back and the rate lock fee was reduce to the {$570.00} but the {$2200.00} origination fee was still on there. I reached out to here multiple times again with no response and finally had to call NFCU. I spoke with her supervisor XXXX XXXX and she said that she was submitting to the pricing desk and would get back with me ASAP. I never heard back from her and then a week later XXXX emails me and says that she disclosed the origination fee when she quoted me, which is completely false and I have the emails to prove it. It has been almost a month of me trying to get this fixed and there is still no resolution. They are requesting loan documents from XXXX XXXX, which I no longer have access to since I dropped them as a lender, in order to match the rate. I am not asking for any type of rate match or lender credit match. I am asking that Navy Federal honor the rate that I was quoted and not stick with me and extra {$2200.00} in closing costs for an error that was made by their loan officer. I would like for this complaint to be escalated and known to NFCU, in hopes that they can help remedy the situation. In all other aspects of banking I have had no issues with them, but this latest loan process has been an absolute disaster. | ||||||
| 04/28/2021 | Yes |
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| XXXX XXXX, 2021 received form Declaration of Loss from Navy Federal Credit Union. The form seeks to make me, XXXX XXXX responsible for the lost check or if someone cashes the lost check. I have documents I like to forward concerning the issue of closing this account. Navy Federal Credit Union has informed me several times to use their security message center. I have informed them again and again and again and again I do not have access to their Secure message center and ask to provide means to use it. Always never a reply. The reason I bring this up is they want me to return the form though their message center or send it through regular mail which takes about a month from my location. I am not pleased that Navy Federal Credit Union tries to make me responsible for a lost check that i never received. They take zero responsibility for the check they issued. Lost, stolen or some one else cash they seek to make me responsible and i will not be responsible for the remitter ( Navy Federal Credit Union ) when they issued the check XXXX XX/XX/2021. No care or concern is shown to the customer from my view point. I have written Navy Federal again and again and again and informed them i have no access to their secure message center still that is one of the ways I am told to contact them. It would be very simple to issue a check send via certified, express, or registered that ways some form of tracking could be done. I am informed to contact them through call in or go to one their offices. The account that was closed I have no ideal what is the account number. All the many many letters written to them i get the same results. No customer help or care or concern. I am happy to end our relationship all they have to do is make a good effort to send me the check from the closed account. That is all I ask. Navy Federal Credit Union informed me the they were MAILING THE CHECK., they did not day they mailed the check. The Declaration of Loss indemnity the 100 % of any responsibility for the lost check that they issued. I am ask to sign a form that I am responsible for a check that I have never received. That I will not do. Resolution simple. Navy Federal Credit Union make best effort to ensure that some form of tracking is done when they issue another check. I would think they have a way to see if the check they issued has been cashed. If it has they seek to make me responsible. This issue has taken much more effort than it should it Navy Federal Credit Union use simple customer service this issue long resolved. | ||||||
| 03/23/2019 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union ( NFCU ), XXXX XXXX XXXX, XXXX VA XXXX, XXXX. Complete Failure to " Gross Up '' Non-Taxable Income for VA Loans/XXXX Veterans. Because NFCU does not " Gross Up '' XXXX Veterans ' XXXX and Compensation, or Veterans ' Social Security XXXX, payments, etc. ; A XXXX veteran is being so discriminated against via a very visible and DISPARATE IMPACT. Lenders gross monthly income, ( very typically, 10-20 %, ) when determining what type of mortgage a veteran can afford, checking major, monthly debts in relation to " Pre-Tax Income. '' When such " grossing up '' is not done on " non-taxable income, or payments, money, '' this so obviously/visibly creates a FINANCIAL DIS-ADVANTAGE for a would-be buyer/veteran, who receives such non-taxable money/payments/income. VA allows lenders to adjust veteran-borrowers ' non-taxable income, upwards, creating a " Pre-Tax Gross Figure '' ; For Example : A veteran ( like myself ) receives XXXX and compensation at the 100 % rate -- {$3000.00}, from the VA ; my social security XXXX from SSA is {$1200.00} -- all, non-taxable -- or, my " NET PAY, '' versus a gross pay. In other words, more than likely, for Any Worker earning a " net pay of {$4300.00}, monthly, '' such worker would have to earn -- perhaps, several hundred dollars more ( $ XXXX $ XXXX ), considering " Income Taxes, and Social Security Taxes, and even other deductions .... '' It is very important/imperative that such " grossing up '' transpires when determining DTI-Ratio, or, more specifically, keeping such debt-to-income-ratio below the VA 's 41 % guidelines ..., which, so very obviously, will help a XXXX veteran to obtain/maintain/retain a loan, at least, EQUAL TO -- if not, GREATER THAN another or even some other, person, who does not receive non-taxable income. Lastly, I am speaking directly from Past Experience : As, a commercial bank ONCE approved me for a much higher VA Home Loan than NFCU. Because, NFCU failed, so fantastically, to " Gross Up '' my " Net Income -- VA XXXX and Compensation and even SS XXXX, money/payments/income. '' Whereas, the commercial bank did indeed " Gross It Up. '' Thereby, NOT discriminating against me because of such, disability/payments, and, so very UN-LIKE NFCU ; which, TODAY, is STILL discriminating against XXXX veterans .... IT MUST STOP/END IMMEDIATELY ...! AND, I DO MEAN END/STOP IMMEDIATELY ...! Or, maybe, Congressional Oversight or a Congressional Complaint is so warranted, regarding this very imperative/important COMPLAINT -- WRONG. | ||||||
| 06/10/2022 | Yes |
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Web | Servicemember |
| Complaint Against Navy Federal I deposited a check from my XXXX Provider via ATM on Monday Night ( XX/XX/XXXX ) around XXXX. The check amount was XXXX. The bank made XXXX available immediately. The remaining balance is typically deposited within the next business day - XX/XX/XXXX. ( XX/XX/XXXX ) Around Noon, I discovered the remaining XXXX had not yet been placed in the account. I called Customer Service to inquiry when the funds will be available, per the 1st Customer Service Rep the funds will be available on Thursday ( XX/XX/XXXX ) Later the same day I called back to Customer Service to see if the funds can be pushed through because I was trying to pay bills as soon as possible. According to the 2nd Customer Service Rep- he is unable to push the funds through immediately however the funds will be available after XXXX. At XXXX pm, I checked my account and the funds were available. ( XX/XX/XXXX @ XXXX ) I checked my account again and the funds was available. I immediately start paying bills. I paid XXXX credit card bill, XXXX XXXX bill. I attempted to pay my XXXX XXXX but the transaction was declined. I was confused, so I checked the funds in my Navy Federal Account and it showed XXXX. I became upset and confused. So I called Customer Service. XXXX XXXX stated is negative and the system has removed the funds from my account and the funds will not reappear for another 4 days. I became extremely upset and asked to speak with a XXXX. Spoke to XXXX XXXX XXXX XXXX ) and she simply reiterated everything the Customer Service stated. I don't understand how the system made the monies available then REMOVED the funds as I was paying my bills. Since XX/XX/XXXX, I have spoken to a total of XXXX Customer Service XXXX and XXXX Supervisors. NO ONE has removed the block on my account and the bills I paid has been returned as insufficient funds. I was previously told my XXXX - the transactions will clear when the funds reappear & THE TRANSCTIONS WILL NOT BE RETURNED AS INSUFFICIENT. According to XXXX XXXX XXXX XXXX Supervisor ) The reason the system removed the funds is because Navy Federal received a notification from the Federal Reserve that my XXXX Check was a potential fraud. I have requested a copy of the notification from the Federal Reserve and NO ONE has provided a copy. As of today XX/XX/XXXX - my account is still negative XXXX and I'm still waiting for the remaining funds to become available in my account. The transaction for my Credit Card XXXX and the XXXX XXXX has been returned. | ||||||
| 08/17/2015 | Yes |
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Web | Older American |
| My wife received a letter from the Navy Federal Credit Union dated XXXX that stated " we have received notification from the Social Security Administration of the passing of XXXX XXXX XXXX. " This letter contained 2 lies I was not dead and the Social Security Administration stated they did notTell the NFCU I was dead. Then on XXXX/XXXX/15 the NFCU transferred {$2100.00} from my joint checking account to my checking account. Then stole the {$3300.00} from my checking account and closed my account. The record shows my money went to a DEBIT. Three checks were paid by my overdraft account and charge me {$1.00}. at lease one check bounced, I was not informed of this by NFCU. The first week in XXXX When the electric company turned off my electricity and informed me that my check bounced and I had to pay a reconnect fee, and a deposit would be required to establish my credit and get my electric turned back on. On XXXX XXXX after having my debit card refused I went to the NFCU to find I was listed as DEAD. # XXXX XXXX. Also on XXXX/XXXX/15 the NFCU reopened and deposit {$3300.00} in my checking account, this was a replacement for the funds stolen on XXXX/XXXX/15. On XXXX/XXXX/15 {$1400.00} was deposit in my checking account as my benefit check. This amount ( {$1400.00} XXXX was transferred to the NFCU as an adjustment XXXX XXXX. on XXXX {$1400.00} was deposited as my normal monthly deposit. But my $ XXXXAnd {$450.00} retirement pay was not. On XXXX/XXXX/15 the NFCU deposited {$1800.00} in my account as an adjustment cr. This brought my totalTo the correct amount {$6000.00}. XXXX NOTE : the NFCU is calling this an error credit ) THE NFCU asked and received two MONTHLY PAYMENTS {$2800.00} FROM my benefit payee. THIS PAYMENT WAS PAID ON XXXX/XXXX/2015. THIS REQUEST AND PAYMENT WAS IN ERROE. THE REQUEST SHOULD HAVE BEEN TO MY RETIREMENT PAYEE! TWO MONTHY PAYMENTSWOULD COME TO {$3700.00}. THE PROBLEM NOW IS THE NFCU have posted 4 monthly payments from my benefit payee over a 2 month period. AND ZERO ( 0 ) PAYMENTS FROM MY RETIREMENT PAYEE, OVER THE SAME PERIOD. ON XXXX/XXXX/2015 we return to normal direct deposit. Then onOn XXXX/XXXX/2015 {$1400.00} is taken out of my account and given to adjustment XXXX andOn XXXX/XXXX/2015 {$1800.00} is taken out of my account and given to adjustment XXXX XXXX These two adjustment total {$3300.00}, the same total as the amount stolen from my account on XXXX/XXXX/2015. THE NAVY FEDERAL CREDIT UNION IS NOT CAPABLE OF MANAGING A DIRECT DEPOSIT. XXXX XXXX XXXX | ||||||
| 01/06/2018 | Yes |
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Web | Servicemember |
| On XXXX XXXX, 2018, Navy Federal Credit Union wrongly approved a XXXX XXXX transaction transfer from my account to an unknown source. Someone called in pretending to be me and the agent within Navy Federal Credit Union released the funds even though there were multiple red flags that it was not me calling in. The person calling change both phone numbers on the account. They then requested to increase the cash withdraw amount from my account from {$3000.00} to {$4500.00} even though I did n't have that much money even in the account. I was informed by a representative within Navy Federal that that was not even something they were allowed to do. They then approved releasing all the funds from my account except approximately {$150.00} even though I had six pending transactions. The agent within Navy Federal would have been able to see that releasing those funds would cause my account to be overdrawn and they still approved the transfer. As soon as I caught the error in my account, I contacted Navy Federal and the first representative informed me I could n't do anything until the transaction cleared my account. After speaking with other people, I went down to a Navy Federal branch and spoke to the assistant manager and he was able to submit a fraud complaint and try to stop the transaction. If the first agent would have attempted to stop the transaction as the assistant manager did, it 's possible we could have kept the money from being picked up at XXXX XXXX. The assistant manager also informed me that just the month before a similar fraudulent activity with a XXXX XXXX transaction occurred with another Navy Federal member. The next day I submitted the requested fraud complaint forms and was informed by the fraud department that because of the type of fraud it was, they would not be able to release any credits to my new account as I had already requested to close the compromised account. This leaves me with no funds until they complete their investigation. They informed me the investigation could take up to ten business days. I feel that under these circumstances and because of the erroneous missteps taken by the agent within Navy Federal, they should have released even a small portion of my funds back to me. I feel this is a misrepresentation of their fraud protection they offer on their bank accounts and that rather than having my best interests in mind, they are only protecting themselves and their agent 's mistakes leaving my family with no money while they investigate these actions. | ||||||
| 10/21/2016 | Yes |
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Web | |
| I have had a long history of issues with Navy Federal Credit Union. It started on the first month of the mortgage with them. All the closing documented had one start payment date, a short time later they told me the first payment had been changed and is now due less than weeks from this notification. Another highlight was when I took a XXXX cut in pay during financial crisis. I was having issues with making a payment so I called for help. They said I could spread one payment over the the following three months. I soon learn they turned off my credit-card and reported to credit bureaus I was 30+ days late for the following three months I was making up the payment. I complained to NFCU and they refused to make it right. During the last several years I was still struggling and NFCU would refuse to help/offer assistance. I filled out their relief packet with no help in return with the 1st mortgage, they did help with the 2nd. I called the VA more than once for assistance. On more than one occasion they stated NFCU was very difficult to work with and they had to call NFCU in order to force them to work with me. During the same time I needed help they would deny me access to my accounts if I was late paying. When I complained they said I needed to call in if I wanted help with accounts. On a couple of occasions my home was on the brink of foreclosure. On one specific instance they made me pay all of the extra fees to get it out of foreclosure even though it was never sent to the attorney for foreclosure. During the late pays they would call non-stop, almost hourly from early morning hours to late at night. I also had an insurance claim on my house for damage. I had deposited the money to my account so I can do repairs. I soon learned that NFCU forced XXXX to send the money to them to hold the money. When I called NFCU they stated they are going to hold the money to make sure I got the repairs taken care of. The amount of hoops I had to jump threw in order to get money for repairs to my house. I did n't know they can force another financial institution to withdraw money from a members account and hand over to them. There are many many more issues with NFCU, this is just the highlights over the last few years. I have filed complaints with XXXX, NCUA, etc. Recently NFCU refused to provide XXXX a copy of the 30 day payoffs because my signature did n't match what they had on file ( I guess from 20+ years ago ). I tried to fill the link out on line and ironically the link did n't work. | ||||||
| 02/17/2022 | Yes |
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Web | Older American |
| Dear Ladies and Gentlemen, This memo is being written in hopes the Hard Inquires in questioned on our credit reports will be removed as soon as possible. In XXXX of 2021, myself and my Registered Domestic Partner applied for a loan from Navy Federal Credit Union. We are both members and felt this entity would give us the best rates. We paid for a credit report and found out later ( about a month ), the credit report was done twice XXXX XXXX and XXXX XXXX. The loan agent that we were dealing with via email never responded to our questions regarding the second hard inquiry placed on our credit report, nor were we getting any responses from the loan officer regarding the status of the loan. In late XXXX of 2021, we went to a nearby branch and complained that we had not heard from the loan officer and had concerns regarding the hard inquires placed on our credit reports. The Manager at the XXXX XXXX branch informed us that Navy Federal Credit Union no longer had Mortgage lenders inside of the branches, and she would take our complaints to the loan officer 's Supervisor, and someone would contact us as soon as possible. It was two weeks before we received a call from ( XXXX XXXX ) Supervisor ( XXXX XXXX ). XXXX XXXX apologized and stated they were super busy, and that the second inquiry was a mistake and she would have the entry masked. " The entry has not been masked ''. Although, they both started requiring more information from us, we never spoke with either one of them over the phone, all of our correspondences were via email only. The first extra entry dated XXXX XXXX remained and I started calling and emailing with no response until I contacted XXXX and started disputing the entries. There are now four extra entries dated XXXX XXXX, XXXX XXXX, and XXXX XXXX. We only authorized the XXXX XXXX inquiry. The others were done without authorization, and they never explained why they were doing these extra inquires without explanation or approval. Once, I started calling XXXX and disputing the hard inquires the Manager ( XXXX XXXX ) started emailing me and denying that the inquiries were made by her or the loan officer. When disputed through XXXX the company simply stated the inquiries are a factual record of file access and will remain on the XXXX credit file for two years from the reported date of inquiry. Please help us to resolve this matter. They were not given authorization to make more than one inquiry into our credit profiles. Thank you so much for your time and patience. XXXX & XXXX. | ||||||
| 03/01/2021 | Yes |
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Web | Servicemember |
| Ok, Long Story short Navy Federal Credit Union was supposed to help me as I had an issue with XXXX XXXX charging me for months after I had cancelled my membership with them. XXXX XXXX refused to help until I filed a complaint against them with the XXXX XXXX XXXX. I had to actually complain to them 3 times before they even acknowledged me and as prior mentioned refused to help me and I went to the XXXX. I mailed them a form that they sent me with the dates and billing information. To be safe I even mailed them a copy of the cancellation form showing my membership with XXXX XXXX was cancelled. I did innitially get credited the money while they investigated the issue. Since then they have taken a portion of the money back refusing to help saying that a membership agreement clearly dated 2 years before the date of membership cancellation is proof that the transactions were 'authorized ' since not only has XXXX XXXX refused to help me they have ignored my complaints about how one of their employees told me to " shut up and accept the results of the through investigation ''. Calling a membership agreement dated 2 years before the cancellation form I mailed to them to prove the transactions were Not authorized is a clear showing that they did not investigate throughly. Upon reminding them I sent them a copy of the cancellation form and that a look at the dates on the forms shows the membership agreement is dated well before they switched from saying that the reason they took the money back is now due to the transactions being older than 60 days and not that they were authorized. I had to even then fight to get a portion of that money back as they tried to take the full credit even though two of the transactions were within 60 days of the complaint they actually agreed to " investigate ''. I also know I am not the only member of this credit union to have this issue with the gym in question as a representative of Navy Federal had informed me that several members of XXXX XXXX whom cancelled their memberships have encountered the same issue as me. I have now been forced to pay several bills late and incurred a returned check fee cause of lack of funds in my account for another bill because of XXXX XXXX choosing to side against me and call me a liar. I honestly believe they sided with XXXX XXXX out of spite because I reported them to the XXXX for refusal to assist me in this regard. I have been put to the point where Navy Federal has me looking into legal action against them as well as XXXX XXXX. | ||||||
| 08/04/2021 | Yes |
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| Recently, we have applied for a mortgage with Navy Federal Credit Union. The loan officer did not communicate with us at all until we called NFCU. She was unfriendly from the moment we were on the phone ( all phone calls are recorded and should be available for a review ). We have requested a rush appraisal order. However, the appraisal has delayed unreasonably. We would like to have some evidence ( email, fax, phone calls ) that could prove the loan officer has communicated with the appraisal company and put a rush appraisal order on time. Since the appraiser has completed the job on XX/XX/XXXX, it did not make sense to have more than a month delay in the appraisal report. Another issue occurred exactly three days before our closing date ( XX/XX/XXXX ). The underwriter addressed an alert regarding SSN in my wife 's credit report, requested an SSA form, and suspended her for a fraud. My wife received her SSN after graduation ( issued on XX/XX/XXXX ) and started her OPT. Also, she received her XXXX XXXX from the XXXX. We strongly believe considering a wrong alert from a credit report company over the XXXX clearance process is controversial. In addition, the underwriter asked for a XXXX XXXX renewal from my wife as the underwriter did not have enough knowledge about the US immigration laws and system. Interestingly, the underwriter had weird document requests during the process such as remote work authorization from my wifes company during the pandemic that most of us work/worked remotely including the NFCU staffs. Yesterday, the supervisor explained that the underwriter and the department followed the guidelines. We have kindly requested a copy of the guidelines for our review. However, the supervisor declined to provide the document. We would like CFPB to receive and review the guidelines regarding SSN and XXXX XXXX renewal in NFCU mortgage processing. The loan officer, her supervisor, and the underwriter hurt our dignity and put too much pressure on us. Our dignity is priceless and is worth more than the mortgage amount ( XXXX, with XXXX DP ). The NFCU staffs mentioned above hurt our dignity nonstop since we applied for the mortgage by delaying, mistreating, and asking for unreasonable documents. We have been patient enough until NFCU suspended my wife and our baby as a fraud which is unacceptable under the flag of the United States. We sincerely request to receive the documents mentioned above to prove that the mortgage application has been processed fairly and thoroughly. | ||||||
| 07/07/2023 | Yes |
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| today I check my navy federal account, it is still overdrawn. Not because I havent put any money in it but because the XXXX transfer I recieved takes XXXX days to post to my account ( they changed it from XXXX to XXXX today, I guess they need XXXX more days ) this XXXX transfer came from another navy federal account and not depositing it keeps me overdraft and they continue to charge me for this overdafts. Navy federal it seems can not move money from navy federal to navy federal without XXXX days and XXXX $ in overdraft fees. Ive pointed this out to them and they reply with information about oops accounts and checking lines of credit that I can apply for, I call them a theif and they retaliate with an advertisement. This is common with them now, I have lots of overdrafts and when you go back they all start with 1, XXXX overdraft that is a bank error ( assuming it wasnt on purpose ) that XXXX error ( there were thousands in the account at the time ) added a penalty because my assumption that what I put in my account would in fact clear so when I purchased like It did it quickly spiraled out of control. I get charged for late payments by both sides so while my fees with navy federal have only been around XXXX the fees for returned checks or late car payments/rent have addd up to thousands. XXXX charges i found have been fraud I told them of the XXXX they investigate XXXX and send the money back and tell me they investigated and found it was indeed fraud, i told them yes but there were XXXX. The other fraudulent charges both had nsf fees because they were put through when there wasnt money, so XXXX charged me XXXX extra. So while they were able to investigate the first charge and find it legit the other XXXX are still under investigation, XXXX weeks later and I was told I would be credited for the fraud purchase but they only gave me XXXX of the credits, which lucky them has created more overdrafts. Its a ridiculous game that I am decided to be loser in no matter what. I search online for help and get nothing but sponsored links by nfcu, thanks big tech, write complaints everywhere possible with no avail, cant even find out who you report this kind of crime to all this takes up soo much of my time, I could get a second job with all the time I have to spend trying to get back money that I already earned. It effectively make me work twice as hard for the same pay lowering my low wages. They are operating my XXXX account like a payday loan. Help me or tell me who can this is unacceptable | ||||||
| 03/24/2023 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX CEO and CFO of NAVY FEDERAL CREDIT UNION tried to kill my ability to conduct commerce, he economically murdered me and made me dead financially. He has abused me, put me in mental anguish and now I find myself attending group meetings and seeking treatment for XXXX because the experience of being in economic slavery triggered my previous anxieties. I, XXXX XXXX XXXX, purchased a vehicle from XXXX XXXX XXXX on XX/XX/XXXX - ( Exhibit A ) Representatives of NAVY FEDERAL CREDIT UNION provide loan to purchase the car in the amount of {$21.00}, XXXX on XX/XX/XXXX and I contacted same to obtain a signed copy of the original contract and other related documents on XX/XX/XXXX which were not sent. ( Exhibit B ) XX/XX/XXXX, I requested a fully certified disclosure of contract containing my original wet ink signature and sign by a living person representing their organization. ( Exhibit C ) XX/XX/XXXX I received by regular mail from XXXX XXXX XXXX XXXX, Consumer Loan Processing of NAVY FEDERAL CREDIT UNION a letter requesting my signature on a updated Corrected/Duplicate contract. ( Exhibit D ) XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX CEO, CFO of NAVY FEDERAL CREDIT UNION the letter and contract back with a letter stating the unsigned contract was unacceptable ( Non Acceptance of a Bi-lateral contact ), rescinding of my signature on all loan documents including previous loan and another request for full disclosure of loan contract. ( Exhibit E ) XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX CEO, CFO of NAVY FEDERAL CREDIT UNION a letter of instruction and, according to HJR 192, provided legal tender to discharge debt ( Exhibit F ) On XX/XX/XXXX, the notary, XXXX XXXX XXXX, sent a letter, certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX of NAVY FEDERAL CREDIT UNION the initial Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. ( Exhibit G ) XX/XX/XXXX, the notary, XXXX XXXX XXXX, sent a letter, certified mail to XXXX XXXX XXXX XXXX XXXX, CFO of NAVY FEDERAL CREDIT UNION a second presentment of Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. ( Exhibit H ) XX/XX/XXXX, the notary, XXXX XXXX, sent by certified mail to XXXX XXXX XXXX XXXX CEO, CFO of NAVY FEDERAL CREDIT UNION a third presentment Declaration by Affidavit to state his non-response to any previous letters or notices. ( Exhibit XXXX ) | ||||||
| 11/30/2021 | Yes |
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| Called Company to because my vehicle should already be paid in full. Pursiung to my credit contract as the holder of this consumer credit contract, as the debtor I am now asserting my rights ( Title XXXX ). The contract was paid in full at the time of signing with a negotiable instrument ( Contract / Promissory Note ) with my signature. The contract is fraud because there should be no monthly payment due. In 1933, Congress took our ability to pay away with physical money. Banks, dealerships are not supposed to be paid more than once and they were paid after signing in full. Per 15 USC 1691, I have the right to exercise my right and can not be discriminated against. Other violations on my contract show as follows ; There is no heading for the method determined the finance charge. There is also supposed to be a form for recission and instead it just shows a return policy. According to 12 CFR 1026.5 The creditor shall make the disclosures required by this subpart clearly and conspicuously. ( ii ). There is also supposed to be a notice within the form stating as follows : 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. Moreover, I also mentioned with the representative that 18 US Code 8 States this code gives us the power to use negotiable instruments as payment for a credit sale transaction. Please see as follows : 18 U.S. Code 8 - Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States. I am well aware of my rights and I understand my promissory note was accepted, they now become the holder in due course and are liable for carrying out the order, this includes negotiable instruments. The secretary of state proves I do not have a lien holder. Lastly I would like to add the term " Finance Charge '' does not mean loan. Under regulation Z act, the bank can not loan money and can not loan credit ( Truth Lending Act ). | ||||||
| 05/25/2023 | Yes |
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| I just sent them a billing error notice and remittance to deposited and credit to my account again I hear nothing they sent me a letter saying this XXXX. What's showing in my account t they sent a letter stating balance now as positive they sent printed statement not authenticated no seal or navy federal employees who issued it didn't sign it I caught something today as to the credit I know I was approved for I seen their system glitch obviously their looking at me in dishonor I've shared with the malware code.second how could this balanced be over drawn XXXX they denied me overdraft.can you ask why they have credited my account from notes they received and why hasn't the manger at XXXX branch sent my note back like stated three weeks ago they have my account still frozen they said they investigated my claim from account XXXX and if I wanted results get a supena.so I forward all 34 recorded conversation saved chats all receipts everything the XXXX in remittance that I pledge accepted for value and they haven't credit my account .and I asked for statements sent they got me blocked in app I can't download them when they reset my log in I stated I wanted delivered not electronic so my aunt who works for ncua signed a power of attorney and will be assisting there is not one thing they fixed or worked as they replied so now since you sending them tuff and their playing both sides my aunt after reviewing everything even the certified tracking number for everything sent she will handle this because they are violation and causing harm and setting my account and doing things to benefit them.they said they don't have anyy shares or assets my aunt was appalled and disappointed to here reps say this conversation is not productive .when I send response and they can't read it.my aunt see what's going on and is meeting with board of directors .and gon na bring investigation and claim for me they are wrong keeping my credits. But didn't know who my mom 's sister is at the ncua it's sad my aunt see everything you allowed them to just lie and cause harm she be reaching out to you guys to one what you really did submit and what steps you took instead of just closing things .yeah I have family in government not my place disclose but just cause you you don't know who people are and take advantage .sometime that comes back to bite.last thing the last discriminating convos with repsy aunt was on the phone as well taking notes. She didn't believee at first but navy federal gon na pay for this for sure | ||||||
| 11/04/2015 | Yes |
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Web | Servicemember |
| In late XXXX, I applied for a membership in Navy Federal Credit Union because I am an XXXX of the XXXX XXXX. I planned to obtain a promissory note to purchase a used vehicle. A few weeks after they approved me for membership over the phone and sent me a promissory note and security agreement, I was unable to log into their website to view my account. After speaking to several representatives, I learned that I needed to " verify my eligibility '' by submitting documents proving that I am in the military. When I asked them why I did not receive an email or phone call informing me of this issue, I received no explanation, but I was re-granted membership in the credit union. Then, after driving the car for an entire month, I learned from NFCU that because I purchased a salvage title vehicle ( it is a theft recovery with no history of collision ), a fact which I did not hide from them and which was freely available to them on the state 's XXXX XXXX search website, my loan would be converted to a " signature loan, '' and the interest rate would go from 5 % to as high as 18 %! I asked why they missed the " salvage '' brand in the title search, but they told me it was my responsibility to inform NFCU and that I was lucky enough to be paying the lower interest rate until the loan is converted to a signature loan. A representative pointed me to a sentence buried in the middle of a paragraph on the XXXX page of the security agreement that I signed to justify this interest rate hike. It reads : " The owner ( s ) will maintain property insurance on the collateral covered by this Security Agreement against loss and damage with a collision deductible of no more than {$500.00}. '' He told me that this sentence justified NFCU retroactively hiking my interest rate because buying a car with a salvage title constituted breach of an agreement to maintain insurance on the collateral. I have insured this vehicle through XXXX, and their representative informed me that I had collision insurance up to the vehicle 's value. I did not realize that a salvage title would severely reduce the vehicle 's value, but I also did not nor do I think that this sentence in the security agreement or any of the statements made to me before I purchased my vehicle justify the interest rate hike that NFCU is trying to impose on me. In my opinion, the fault does not lie with an unsophisticated consumer, but with an enormous banking institution that failed to do its job by giving easy credit without doing its due diligence. | ||||||
| 05/11/2015 | Yes |
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| have just been treated very poorly by XXXX different members of the navy federal team, XXXX in the loan payment dept an intake person and a supervisor, and a third person XXXX in their customer service dept ( which is a joke ) ..i refused to verify my business email ( which i do not use for my personal banking ) ... the first girl refused to take my payment, which she could have verified by many other means, i have had this car note for over 10 years and i used to be an employee of navy federal ... the supervisor refused to take the payment as she doubted my ownership of the business account at another bank ( gee wonder why i do my biz banking elsewhere? ... could it be lack of service and customer care from navy federal? ) ... .i am the president of my corporation and see this as a real insult ... so here i am at XXXX on a monday morning trying to get my bills paid so i dont cut into my " sales time '' with my customers and i am dealing with XXXX " too uptight '' employees that are refusing to take a " payment '' on a car note ... .what kind of institution is this ... perhaps you are so used to bullying the young military personnel and their spouses that you routinely deal with ... that you have forgotten your customer service goals ... i am extremely disappointed in the level or nonexistant service that i have received this morning ... you have wasted an hour of my valuable time ... and i am having to mail a payment in snail mail ... due to your poorly trained personnel ... am forwarding a copy of this to your ceo ... .i am embarrassed that i formerly recommended this institution ( navy federal ) to other family members..i will address this issue quickly and post this on XXXX so others can be aware of your treatment of your " members '' ... .which apparently you dont care too much about retaining ... XXXX XXXX, Pres/ceo XXXX, XXXX florida .... their employees were combatitive, insisted i was receiving email confirmations of payment ( when i am in fact receiving confirmations via postal service ... which is my preference ) ... the employees exhibited no good faith customer service effort to collect the payment on behalf of the lending institution and to help avoid the consumer going into a late payment status ... .by refusing to accept the payment from me on a timely basis. argued with me over how past payments had been made argued with me over whether or not my name appeared on these outside banking accounts a very poorly run credit union where membership means nothing | ||||||
| 02/04/2016 | Yes |
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Web | |
| Navy Federal Credit Union incorrectly deposited escrow funds of into an account without verifying that my name was attached. I have contacted them on multiple times and even submitted a letter to Supervisor of Escrow named XXXX but nothing has been done. I still have not received any monies. I asked if they could put a freeze on the account until we get this resolved and I was told NO. I was told that I had signed a form at my closing and according to the form they followed procedure. I was puzzled because my closing was done at another Title company in which I had asked about the escrow funds. After calling and speaking with XXXX different people with an hour on the same day in Escrow dept I was then informed the form signed was done in XXXX. The representative apologized stating that the form should have been updated prior to releasing the funds since my account was noted for DIVORCE, she then transferred me to the Supervisor named XXXX. XXXX reviewed the document and also apologized and stated she would try to reverse the funds but after being on the phone for about 30 min she stated unfortunately she would have to send this issue to her superior. She then asked if I could email a letter to her of all the conversations I had with Navy Federal regarding the escrow funds so she could attach with it the information she was sending. I called XXXX to XXXX to confirm receipt of the letter and she stated she received it and that I should hear back from XXXX of her Managers to resolve this matter. I questioned the escrow funds that I Prior to selling the property in XXXX XXXX, I inquired about the escrow funds when I requested the XXXX Payoffs in XXXX explaining that I was divorced and all escrow funds should be sent to me. I explained that due to a divorce, I was awarded the property and had been paying mortgage and taxes for the past two years. I asked Navy Federal if I needed to send them copies of the divorce decree and was told NO because they do not honor divorce decrees. Out of all the monthly phone calls and Payoff requests no one from the institution mentioned to update a Navy Federal Suppression document. As of date, I still have not received any escrow funds owed by Navy Federal Credit Union According to court documents, I was to receive ALL escrow funds however Navy Federal Credit Union does not honor divorce decree and has failed to honor my portion of the escrow funds due. I have also requested a copy of the signed Suppression form and still have not received it. | ||||||
| 02/27/2019 | Yes |
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Web | Servicemember |
| A deposit from my employer hit my checking account on XX/XX/XXXX. On XX/XX/XXXX XXXX took every dime remaining in my checking account to offset a credit card charged off in XXXX. Tonight, XX/XX/XXXX my tax refund hit my account. As soon as they money was available, XXXX automatically took out another lump sum of {$1800.00}. After calling and speaking with several representatives, including XXXX XXXX, XXXX in the credit card department and XXXX in XXXX XXXX, no one was able to give me any information nor provide the original signed disclosure stating it was too old to view. Ms. XXXX in the collection department was completely rude, aggressive and disrespectful. Stating that maybe you should actually open your mail then youd know what was going on when I told her I had not received any letters from them about settling a credit card debt. She was very unhelpful and EXTREMELY unprofessional. I Also let them know that they can not garnish wages without a court order to do so and was told its not a garnishment but an adjustment which constitutes the same thing to me because theyre taking everything I have in my checking account to offset a credit card debt leaving me unable to pay bills, childcare and put food on the table for my son. According to 12 CFR 1026.12 ( d ) ( 2 ) For a security interest to qualify for the exception under 1026.12 ( d ) ( 2 ) the following conditions must be met : i. The consumer must be aware that granting a security interest is a condition for the credit card account ( or for more favorable account terms ) and must specifically intend to grant a security interest in a deposit account. XXXX of the consumer 's awareness and intent include at least one of the following ( or a substantially similar procedure that evidences the consumer 's awareness and intent ) : A. Separate signature or initials on the agreement indicating that a security interest is being given. B. Placement of the security agreement on a separate page, or otherwise separating the security interest provisions from other contract and disclosure provisions. C. Reference to a specific amount of deposited funds or to a specific deposit account number. None of the above were in the disclosure. The security agreement was # XXXX on page 2, was not separate from the other provisions, did not have to initial or sign next to it, and no reference to a specific amount or account was made. This is just preposterous. How are they able to do this? Things like this cause job loss and homelessness. | ||||||
| 01/04/2020 | Yes |
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Web | Servicemember |
| I will start with the back story. In XXXX to XXXX, I owned two properties and due to limited income no renters and damage to both properties and retiring from the XXXX was causing hardship until evaluation of my current status of being XXXX XXXX XXXX by the VA. I had to make a choice keep the mortgage on the house I was selling or the house I was in, so when attempting to work with XXXX and being late, they started to put residency in foreclosure. I told them I would have the money in 2 weeks and they said too late. My choice at that time was to start Chapter XXXX proceedings but, with the intensions of dismissing. On XX/XX/XXXX I filed Chapter XXXX with XXXX XXXX, XXXX, and no other creditors. On XX/XX/XXXX I contacted my bank Navy Federal Credit Union ( NFCU ) and explained the issue to them. I was told at the time my credit card account would be frozen, owing XXXX, and to let the bank know of the dismissal. I notified was dismissed and was told accounts would be returned to normal. During the time I continued to make my card payments and vehicle payments without delay ( XXXX for vehicle a month ). On the XX/XX/XXXX, I was in a car accident that totaled my vehicle. My 1st bi monthly payment was taken out and asked a delay until XX/XX/XXXX due to the vehicle being paid off. The vehicles was paid off middle just before XXXX Holidays. Since the amount owed of XXXX, it has been paid down to XXXX and my vehicle note has been paid off and payments were made or if not paid a late fee when but was caught up within 15 days. My credit report shows no late dues to NFCU. I have already have a holding of XXXX on a vehicle and trying to get a XXXX loan. I was told I was denied due to late house payments and a revoked credit card. I told them I didn't have a revoked card, they told me it was NFCU credit card. I was transferred to representative from the credit card section, who told me it was closed around the same time of the Chapter XXXX that as the grantor decided not to continue my card, which I was told frozen and reopened at dismissal on XX/XX/XXXX. I was further told the account could not be reopened because it was closed. Their own bank is using an account they closed and I have been on time with the payments against me for a vehicle loan but also plummeted me negative showing it a closed account for XXXX still owing like I am a bad person for any institution to loan make a loan to and limit because it is not a revolving debt to get hired within the government system. | ||||||
| 07/02/2019 | Yes |
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Web | Servicemember |
| As a XXXX XXXX veteran, my wife and I reluctantly closed on a loan ( XXXX ) in XXXX, NV with Navy Federal Credit Union and XXXX XXXX XXXX for {$320.00}. Because of their miscommunications and incompetence, they put our financial future at risk by not delivering our closing documents to the title company in a timely manner. The contract on the single-family residence was to be executed by XXXX19 which they assured us it would be completed and submitted before this date. However, when we showed up for our XXXX closing on XXXX19, the staff at XXXX stated that we were not cleared to close because NFCU had not submitted the loan documents yet. This was very alarming because it not only jeopardized us losing the deal but also our {$5000.00} earnest money deposit, which was decided by NFCU to be rolled into the closing cost and not returned to us at the closing which was what we wanted, {$600.00} appraisal fee and {$320.00} inspection fee. Consequently, we had to sign the incomplete loan package or loose our hard earned money. At the closing, we were shocked to find the following items were missing or incomplete : 1 ). Did not include a Truth in Lending disclosure to fully explain the terms of the loan. 2 ). Did not include an Amortization schedule. 3 ). Parcel ID number was missing from multiple pages. 4 ). Did not include pest inspection invoice that was submitted at least twice. 5 ). Told us that we were responsible to go back home and wire a penalty cost transfer {$1100.00} to NFCU which was no fault of ours but rather NFCU not being able to have the completed paper work timely to XXXX. I explained from the start of the loan on XXXX19 that I needed the EMD back after escrow so that I could make repairs to the house. XXXX, NFCU loan officer told us we had to bring {$1100.00} to the closing just to do the deal but actually it was to be wired. They actually penalized us for their fumbles and mistakes. I feel like I was bullied and strong-armed into the loan. Looking back at this experience, it was a horrible business encounter that I wouldn't wish upon anyone. Especially veterans who trust NFCU to protect their hard earned money and investments. I'm still in shock! How could this happen? I don't know what to do. I would greatly appreciate some help and expertise in this matter. I would like to get my money back and start over with a different lender. I don't feel comfortable with this loan which could lead to a financial disaster for my family ... .Please help? | ||||||
| 05/09/2017 | Yes |
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Web | Servicemember |
| Almost two months ago I attempted to open a Navy Federal checking + savings account. I went through the entire online process without issue and was not notified of any problems. I deposited at that time {$95.00} into a checking account, {$5.00} as required into their savings. Approximately two weeks went by and after receiving no email contact, phone calls, or snail mail, I called in. I was told that they needed to verify ID and proof of address. I said, great, not a problem, got the ID number XXXX, a fax number, and sent the required items over. Again another week or two went by, zero communication, zero notification of any problems. I called in yet again. This time I was told my ID did n't come through OK. I told the woman I spoke to, fine, I 'll email it directly to the pertinent department. On XX/XX/XXXX, I sent a scanned, high resolution copy of my license, along with access code XXXX to XXXX. No response. Crickets. No mail, no phone, no anything. Yet again I call in to get a status update. Apparently that email, despite going to the precise email address provided - and despite having CONFIRMATION that the email was sent, apparently went into an abyss. I told THAT woman that either this gets resolved on the phone today ( at this time, late XX/XX/XXXX, more than a month after attempting to open the account ) or the account is closed today. The relevant department did not find the email and did not provide a convenient means to provide that information for a third time, thus I immediately demanded closure of the account. Closure was GUARANTEED. REfer to the XXXX recording that you supposedly keep. And a check in the mail was to be sent. And yet on XX/XX/XXXX I receive a letter in the mail requesting ID and proof of address to be sent. Which btw, was quite literally the first communication from Navy Federal to me at any point in this two month process. All other communication was me having to get in touch with Navy Federal And on this call, I 'm told that I need to show up at a bank location to close the account and get my XXXX money back. I 've wasted multiple hours and now I 'm being told a simple closure process that gets me my XXXX money back requires wasting MORE time as you are n't around the XXXX corner. I WANT MY XXXX MONEY BACK AND I WANT YOU TO LOSE ANY AND ALL OF MY INFORMATION If that does n't happen, I 'm taking everything viral. I have consumer 's list of 100k that I will put this story in front of and I will incentivize it going viral if need be. | ||||||
| 02/16/2022 | Yes |
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| I, XXXX XXXX, a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306 is aware that the unlawful use of a credit card such as a Social Security Card under 15 U.S. Code 1602 ( l ) by an organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit constitutes unauthorized use pursuant to 15 U.S. Code 1602 ( p ). I understand that the fraudulent use of a credit card, by NAVY FEDERAL CREDIT UNION, is defined as whoever uses, attempts or conspires to use a card to obtain money, goods or services shall be fined for {$10000.00} or imprisoned for 10 years or both. This ePromissory Note, as shown in EXHIBIT ( A ), is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. I have reason to believe and do so believe this instrument constitutes payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. I entered into a consumer credit transaction with NAVY FEDERAL CREDIT UNION where a credit sale took place and a finance charge was imposed, where NAVY FEDERAL CREDIT UNION holds a security interest. Pursuant to 15 U.S. Code 1605 ( a ), the finance charge is the sum of all charges. NAVY FEDERAL CREDIT UNION did not clearly and conspicuously disclose the right to rescind this consumer credit contract, nor did I receive any clear or conspicuous verbal, written or video explanation on my right to rescind. This is my notice of Rescission of this consumer credit transaction due to fraud on behalf of NAVY FEDERAL CREDIT UNION. NAVY FEDERAL CREDIT UNION has been committing theft by deception and using unlawful extortionate means by furnishing false and deceptive forms. I am invoking my right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until the discovery of its potential existence and demand a full revocation of such document ( XXXX ) ; nunc pro tunc. | ||||||
| 10/28/2021 | Yes |
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| Hi, I have sent in numerous complaints against Navy Federal. I am not satisfied with their responses to the issue at hand being left unresolved. The most recent response from the company regarding the issue is that : A. Navy Federal refuses to investigate the matter further, as being requested. B. Navy Federal refuses to refund funds lost. C. Navy Federal refuses to locate the security cameras as requested, and lacks to provide an explanation to why. D. Navy Federal refuses to reestablish account. Navy Federal is refusing to cooperate. What is the reason why? Sounds very sketchy of the company. I will not be calling the security team because for one, I have called them and have not received the help and assistance I need. And two, they refuse to cooperate to resolve the issue on the CFPB platform. Why is that? I want this matter addressed to the Security Team Specialist and CC 'd to the president of Navy Federal. I will go above and beyond to make sure this matter does not get ignored. There is a specific person needed to locate in the security cameras at the XXXX XXXX, XXXX branch location at the time and date of when the check was placed into the ATM. That footage is to be released to the proper authorities, XXXX XXXX Police Department probation unit, or the DA involved in assisting my case. Why did Navy Federal say they will not release the footage? I need answers, which Navy Federal has failed to do. I have been very specific in details to help the security team in their investigation, which they continue to claim to have unsupported documents and not reinvestigate. This is bad business practices on their end and I will not stop complaining until it gets resolved. Questions for Navy Federal : Did your security team ever at least TRY to locate the footage? If not, why? If so, why not release the information? Why is Navy Federal refusing to cooperate in resolving this matter? What is the explanation to why they continue to insist for me to reach out to the security team for questions that can be answered here? I need letters in writing from Navy Federal explaining all of this so I can send it to the proper authorities as I'm trying to get this case resolved. I do not, I repeat, DO NOT wish to open a new account with Navy Federal. Please, cooperate regarding this matter. Thank you. The company very well knows my case and have received plenty of documentation to refer back to it. We're not done here. This case is still pending a resolution. | ||||||
| 02/16/2022 | Yes |
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| I, XXXX XXXX, a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306 is aware that the unlawful use of a credit card such as a Social Security Card under 15 U.S. Code 1602 ( l ) by an organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit constitutes unauthorized use pursuant to 15 U.S. Code 1602 ( p ). I understand that the fraudulent use of a credit card, by NAVY FEDERAL CREDIT UNION, is defined as whoever uses, attempts or conspires to use a card to obtain money, goods or services shall be fined for {$10000.00} or imprisoned for 10 years or both. This Promissory Note, as shown in EXHIBIT ( A ), is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. I have reason to believe and do so believe this instrument constitutes payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. I entered into a consumer credit transaction with NAVY FEDERAL CREDIT UNION where a credit sale took place and a finance charge was imposed, where NAVY FEDERAL CREDIT UNION holds a security interest. Pursuant to 15 U.S. Code 1605 ( a ), the finance charge is the sum of all charges. NAVY FEDERAL CREDIT UNION did not clearly and conspicuously disclose the right to rescind this consumer credit contract, nor did I receive any clear or conspicuous verbal, written or video explanation on my right to rescind. This is my notice of Rescission of this consumer credit transaction due to fraud on behalf of NAVY FEDERAL CREDIT UNION. NAVY FEDERAL CREDIT UNION has been committing theft by deception and using unlawful extortionate means by furnishing false and deceptive forms. I am invoking my right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until the discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc. | ||||||
| 08/02/2023 | Yes |
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| Subject : Appeal for Debit Card Dispute - XXXX XXXX XXXXXXXX Dear Navy Federal Customer Support , I hope this message finds you well. I am writing to appeal a recent decision regarding a disputed debit card transaction made through my Navy Federal account. The transaction in question is related to a charge from XXXX XXXX XXXX in the amount of {$540.00}. To provide you with an overview, I filed a claim against this transaction as I never received my router that I ordered from XXXX. However, I recently received notification that my claim has been denied. The reason provided was that no error was found, and Navy Federal is unable to process the claim in my favor. The response also suggested seeking resolution directly with the merchant. While I understand the outcome of the investigation, I firmly believe that there has been a misunderstanding or oversight in this case. I have made multiple attempts to resolve the issue directly with the merchant, but unfortunately, I have not received a satisfactory response or resolution. I kindly request your assistance in reevaluating my case and reconsidering the denial of my claim. I have attached all relevant documentation, including proof of purchase, communication attempts with the merchant, and any other supporting evidence that may aid in the investigation. As a valued customer of Navy Federal, I have always trusted in the integrity and fairness of your dispute resolution process. I kindly request that you review my case once again, taking into consideration the evidence provided. I believe that a thorough reevaluation will reveal the validity of my claim and the need for further action. I understand that Navy Federal is committed to providing excellent customer service and ensuring customer satisfaction. I have been a loyal customer for a significant period of time, and I trust that you will give due consideration to my appeal. I kindly request that you initiate a comprehensive review of this matter and take appropriate action to overturn the previous decision. This may involve revisiting the evidence provided, contacting the merchant on my behalf, or any other necessary steps to ensure a fair and just resolution. I appreciate your attention to this matter and your prompt response. Please do not hesitate to reach out to me if you require any further information or clarification. I look forward to a favorable resolution to this dispute. Thank you for your understanding and assistance. Sincerely, | ||||||
| 05/04/2021 | Yes |
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Web | Servicemember |
| Hello, My name is XXXX XXXX and I have just recently opened up an personal account with Navy Federal Credit Union. I heard nothing but great things about Navy Federal CU until today XX/XX/XXXX @ XXXX. XXXX from personal account was very professional, helpful and courteous. He explained to me all the benefits of opening up an account with Navy Federal and transferred me to the XXXX Department. I spoke with a XXXX who asked me what type of business is XXXX XXXX XXXX and I told her we are XXXX XXXX XXXX XXXX XXXX and we offer our clients advice on XXXX XXXX XXXX XXXX XXXX, she then asked me about credit repair, I stated we hope to offer that down the line and she stated we can not open this account because of that and I stated I am not operating credit repair NOW, we are financial consultant and help individuals with different aspects of their financial plan, there is no way we are practicing or doing ANY type of credit repair. I then asked to speak with a supervisor by the name of XXXX who I believe to be very unprofessional, she came onto the phone chuckling which lead me to believe she was communicating with XXXX, XXXX did not provide me the opportunity to explain what my business is and just assumed because XXXX mentioned to me about credit repair that Credit repair is what I do and I do not operate nor have any clients at this time who I do credit repair, I stated maybe or possibly down the line I may consider but that was not good enough for Navy Federal and they refuse to open up my Business Acct. based on a possibility and that is not right, at this point XXXX was being very immature and would not provide me with further details of how I can remedy this issue, she was rude to the point I hung up on her ( I ask that you play the recording back to hear the conversation ), I then called back to speak to another supervisor by the name of XXXX who pretty much stated according to her documentation she is not able to open the account w/out giving me the details as to why. I directly told her that I am not operating XXXX XXXX XXXX business at all right now. I would like a call back from the XXXX, XXXX or someone who can assist me with this matter. Thank you, XXXX XXXX Acct. # XXXX My Business Name : XXXX XXXX XXXX Established in XXXX and Operating since XXXX We are Financial XXXX who offer clients financial analysis of their finances. We consult on assets, expenses, income and help our clients create a financial plan to reach different types of goals. | ||||||
| 11/06/2019 | Yes |
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Web | Servicemember |
| I do not want my name, address or state published. My wife and I are members of Navy Federal Credit Union 37 years now, I am retired XXXX, and 100 % XXXX with the VA for XXXX and other medical ailments. in or about XXXX my wife and I got way over our heads in dept and had to file bankruptcy. Navy Federal Credit Union was one of our creditors that took a loss. From XXXX to XXXX Navy Federal has told us we can only have a checking and savings accounts, no visa, no loans of any kind! In XX/XX/XXXX we found out about the VA XXXX loan refinance which would have been great as our present loan was at 4.625 %. We contacted some banks to get the lowest rate well Navy Federal Did? 2.7 %, at 2.5 points, Balance on our present loan was {$400000.00}, Navy Federal said we did not need to pay any money upfront all would be rolled into the loan so the total we had to refinance would be {$420000.00}. My wife and I asked several times over the past 30 days did Navy Federal Change its policy IRT members declaring bankruptcy and Navy Federal taking a loss? We were told yes? We filled out all paper work submitted it, we received notification that our POC in the loan dept was? we contacted the individual and received an out of office reply that he just started his two week vacation? So after complaining we were assigned a new individual, we worked with him for the remainder of the 30 day period and he was a supervisor, he informed us around the XXXX of XX/XX/XXXX that we would close on XXXX XXXX XXXX up until XXXX XX/XX/XXXX my wife and I heard nothing further on closing, so we contacted our NFCU loan rep and he stated we are still waiting for your mortgage company to send us the payoff amount? We will have to close sometime next week? So XXXX XXXX to XXXX XX/XX/XXXX we hear nothing? then on XXXX XX/XX/XXXX at XXXX in the afternoon our NFCU loan rep calls us and says after our underwriting did a final check a red flag came up on your account that 22 years ago Navy Federal Credit Union took a loss when you filed bankruptcy and it is NFCU 's policy that we can not make any loans due to prior loan loss. so I told the NFCU rep we were totally disgusted and have been led on by the banks inattention to detail, Providing my wife and I with a false hope of getting an IRRRL loan for over a month, we fully disclosed everything about our bankruptcy, but the banks excuse is we apologize it was an unfortunate oversight on our part? My wife and I both have credit scores at or over XXXX!!! | ||||||
| 07/28/2022 | Yes |
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Web | Servicemember |
| Navy federal credit union closed my accounts and I ask me to provide information in which I did, I reported over a year ago about someone trying it open an account in my name navy federal credit union did not take me serious at all I was not transferred to the security department to report the issue navy federal credit union union failed on me and closed my accounts that I had for over 4 years and I have witnesses that can say that these accounts are mine, I provided the information to show who I was Im fixing of file with the security and exchange and report this credit union, I proved who I was and they demand me after they falsely accused me and didnt want to hear they were wrong and I prove them wrong, they didnt like it, these people are rude and unprofessional I am a United States XXXX XXXX , this credit union treats there veterans very badly, I had provided that information the only reason they didnt reopen these accounts there excuse was I over draft but I had the money at that time to pay the other checking account off, I already paid one account off, its going of be funny when I walk into branch and I prove Im XXXX XXXX and this credit union owes me for calling me a liar I will turn this over to an attorney and I will have this account taken off my credit report, they demanded me to pay for something they fail to do properly, they committed fraud against me I will send through the consumer financial protection bureau a copy of identification and data breach in which XXXX drop all my information on the dark web and a ftc identity theft report, this credit union has over step there judgment and this credit union treats people very badly I mean badly, I want contact by the thr credit union about this situation, I am XXXX XXXX. I will not pay for anything is when these accounts were closed by this credit union for false information, they did not want to see that I was and I am XXXX XXXX, Im not going to pay for this credit card when it was navy federal credit union that got there facts wrong this needs to be corrected that credit card was being paid for, I will have this account removed and will put a very bad statement against navy federal credit union about this situation on my credit report that they blame for there mistake, either correct the situation or Im seeking legal representation to resolve this matter I will be demanded on something navy federal credit union did on purpose thats how bad this credit union is now resolve this matter | ||||||
| 01/13/2023 | Yes |
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| It appears Navy Federal Credit Union breached their fiduciary duty in the handling of consumer credit transactions that they processed on my behalf. They failed to act in my best interest and with utmost good faith. Navy Federal Credit Union failed to provide full and fair disclosure of all material facts of hte consumer credit transaction and notify me of the processes of the transactions, the whereabouts of my financial assets and their proceeds, and failed to provide me with a monthly statement for any and all accounts, including but not limited to segregated, custodial, and securities accounts, they opened on my behalf in my name, at Navy Federal Credit Union or other financial institutions while serving as the Securities Intermediary and attorney-in-fact for each transaction and asset for which there is a book entry documented. I am also demanding the disclosure of the CUSIP numbers of my financial assets. On XXXX XXXX XXXX an employee or agent of Navy Federal Credit Union signed for my documents sent via USPS XXXX XXXX, signature required, addressed to their headquarters to the attention of Transfer Message Department and/or CFO. Enclosed with my cover letter were entitlement orders/transfer message, notarized revocation of power of attorney, and the corresponding authorities for entitlement orders, financial assets, securities intermediaries, and securities accounts. I requested Navy Federal to disclose all accounts associated with my financial assets, sell all positions, settle any outstanding obligations that I may have, close those accounts, and transfer the proceeds to a securities account of my choice. To-date, I have not received any of the requested documentations, and Navy Federal Credit Union has failed to process my entittlement orders according to my demand as the Secured Party/Entitlement Holder/Issuer of the financial assets XXXX I have not received correspondence from Navy Federal Credit Union stating that they are processing or need more information. Therefore, there should not be any delays in the processing of my entitlement orders. The failure to fully disclose the information is a violation of Truth in Lending, and as such, requires treble damages in the amount of three times the finance charge. The financial assets for which power of attorney were revoked, and proceeds and documentation was requested for were initiated on : 1. XX/XX/XXXX, {$74000.00} 2. XXXX {$63000.00} 3. XXXX, {$52000.00} 4. XXXX {$5200.00} | ||||||
| 03/02/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I applied for a XXXX credit card thru Navy Federal Credit Union which I was approved for. I was told by NFCU they reported that information to all 4 credit bureaus on XX/XX/XXXX or XXXX. XXXX, XXXX, & XXXX all updated my credit file within a day or two. XXXX credit bureau has still not done anything to this day despite my repeated requests. Have going back & forth between NFCU & them in order to get the card on my file & reporting. XX/XX/XXXX, I have an email between myself & XXXX XXXX identifying the issue. I have another with them on XX/XX/XXXX. XX/XX/XXXX XXXX XXXX sent me an email asking me if this new account was mine, but my XXXX account was never updated with my information. My XXXX had already been. XX/XX/XXXX XXXX XXXX stated they created XXXX XXXX : # XXXX in reference to my complaint. XX/XX/XXXX I had additional correspondence with XXXX XXXX regarding the issue & they have another case number stating : New credit card not listed on my file : Case # XXXX. They keep telling me to file a dispute with XXXX, but you can't file a dispute about something that's not on your report with XXXX. Their website is not setup that way. I've had multiple conversations with their overseas call center. They regurgitate the same thing. I had XXXX supervisor named XXXX XXXX tell me to file a dispute with XXXX and get the information from Navy Federal Credit Union to provide for them with a cover sheet. I emailed it along with a copy of my driver 's license because you can't just dispute it. I communicated with XXXX XXXX a lot because they supposedly had a system in place to dispute information of your file. It has not been useful in this instance. The last communication I received from the XXXX XXXX XXXX XXXX XXXX was a survey on XX/XX/XXXX. Their TrueIdentity service sent me an alert about a change in my report the same day. NFCU sent me an alert to see what changed in my report the same day thru their Mission : Credit Confidence portal. XXXX sent me a survey XX/XX/XXXX. I emailed XXXX the information XXXX XXXX advised me to provide on XX/XX/XXXX. That's about as complete an explanation as I can provide. It doesn't include the numerous phone calls which have amounted to nothing. I have call XXXX in XXXX, PA, been transferred there from their overseas call center. Still nothing. NFCU has assured me the information has been provided to XXXX. XXXX has denied they ever received it despite the fact the 3 other bureaus have & have my file updated. | ||||||
| 09/24/2022 | Yes |
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Web | Servicemember |
| Hi I'm writing because I've had account mishandling where my gov pension has been being deposited in my account and an my debit card is being treated like a secondary holders card and when I opened it I told them there are not to be no other users by no one current wife or no one I back in XXXX or XXXX opened the account that was never closed properly in XXXX at the XXXX XXXX branch as I requested due to someone bought shares into the branch that I couldn't see there is a woman with another branch card or personal identifying card of mine an it was linked to my checking not by me and in XXXX at the XXXX XXXX in XXXX XXXX XXXX where the branch manager opened the account was told no one else was to be on the account I was at the ATM to make one a XXXX dollar with draw saw a special veteran benefit deposited in my account around XXXX dollars and the other cardholder withdrew XXXX and the account immediately closed I alerted the branch an call the police where I was disrespected and was told to leave the branch this mishandling that has been going on for yr since I opened the account all money electronic deposits were for me and I received none of my payment for a yr and all money traveling threw the account has fraudulently been given to someone else I'm reporting full bank fraud on all transactions at this bank my device for reviewing secure text messages was stolen and I believe my still be actively being used I'm requesting a full investigation of all transactions in this account and am claiming full fraud and mishandling for every US Dollars traveling thru and transfers an Im asking that you look at cameras to stores transfers and electronic deposits a woman is behind this and as well a girl XXXX XXXX filed a fraud marriage being investigated by the FBI when she got info that I would be receiving pension veteran payments the best mailing address til I get a secure post office box for this moment I do not have and can only receive message and text to XXXX best to text and leave call info or message or XXXX I'm getting my LLC and opening with a different bank please know I only open the accounts deposited XXXX in XXXX withdrew that XXXX and withdrew XXXX dollars all at the branch all moble transactions are fraud as well as all those deposits were stolen please assist if u have a office I'd rather self represent and I and a active federal employee thank u for all your assistance call or text anytime u may have to try more than once thx XXXX XXXX | ||||||
| 07/25/2022 | Yes |
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Web | Servicemember |
| Notice to File a Complaint XX/XX/XXXX Ref : Complaint for deceptive and predatory financial practices. Dear Sir or Madam, The complaint I am filing against Navy Federal Credit Union involves Unfair Restrictions on Account Access and misleading and deceptive practices. Additionally, it involves public reporting of fraudulent claims against me for debts on accounts that have already been paid, and billing errors. As a result, I have been denied credit with other corporations. Despite having trusted Navy Federal Credit Union with my credit/accounts, they have refused to send me tax documents, paper statements, and invoices for all accounts on file. After being charged twice in the same month, I feel targeted. In a dispute with a merchant who never sent items paid for, they refused to refund the account. Despite providing proof that the items were returned, this still happened. In the absence of notice or permission, they have stolen funds from my checking account to pay a bill. Also, I have noticed fraudulent account activity with a non-Navy Federal Account that has been added for transfers on a closed XXXX XXXX account. Please note that this account has never been added or opened by me. My request for documents was ignored by the supervisor of the credit card department, XXXX. This company has blocked my credit and prevented me from using my credit cards so many times. Despite my best efforts, I was unable to access my credit and I had to call at least five times a day to get them unblocked the card. Due to their deceptive and predatory financial practices, I would like to have an investigation conducted. The CFPB investigation found that Navy Federal Credit Union deceived consumers to get them to pay delinquent accounts. The credit union falsely threatened severe actions when, in fact, it seldom took such actions or did not have authorization to take them. The credit union also cut off members electronic access to their accounts and bank cards if they did not pay overdue loans. Hundreds of thousands of consumers were affected by these practices, which occurred between XX/XX/XXXX and XX/XX/XXXX. The practices violated the XXXX XXXX XXXX XXXX and Consumer Protection Act. Specifically, the CFPB found that Navy Federal Credit Union : The Consumer Financial Protection Bureau tasked to protect consumers from deceptive and predatory financial practices by ensuring banks, mortgage and student loan lenders, and credit card companies play by the rules. | ||||||
| 12/08/2020 | Yes |
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Web | Servicemember |
| I have banked with Navy Federal since XXXX. I still bank with them actually today in XXXX. I recently applied for two refinancing car loans. I received a email and text confirmation that navy Federal approved one of the car loan. The following day they called me from the charge off department stating that I had a charge off so they couldn't approve the car loan. I asked them when and how much was the charge off. They stated that it was from XXXX and the amount was {$1200.00} or something rather. I told them that I've never been notified about this account and that my information has always been up to date. They stated that they sent out a notification XX/XX/XXXX and that was the last time they sent something. So from XX/XX/XXXX until XX/XX/XXXX I was never notified by anyone from the financial institution that there was ever a charge off on my account. I was still getting bank statements for this " charge off '' account in XXXX with a positive balance. They stated they dont keep anything past 7 years. They stated if I set up automatic payments then they will lift the charge off so the loan can go through. I did so. They transfered me to the loan department and they said they can't do anything about it that it was the charge off department. So now I've been on the phone for 4 hours getting transferred from the loan department and the charge off department. And no one is on the same page as the other. I spoke with 4 employees and 3 supervisors and no one was of any help. Here is the kicker. From XXXX to now I have financed and refinanced 5 cars, 2 personal loans, and 2 credit cards. Which were all approved! Not to mention they approved my loan to the other car the day before! They told me that the charge has always been there and no one should have approved any of my loans. I nor my spouse was told anything when we applied. We still have 4 car loans, 2 personal loans, 2 credit cards, 3 saving accounts, and 2 checking accounts from navy Federal. If navy Federal can not tell me where and when this charge off happen besides how it just miraculously popped up, im not going to shell out {$1200.00} for an error that navy Federal fail to do. It is not on my credit report and they stated it is not going to be because it was not a loan but I have had a charge off checking account with another bank years and years ago ( XXXX ) and that was on my credit report. Navy Federal employees and supervisors can not give me a direct answer besides I need to pay it. | ||||||
| 08/11/2022 | Yes |
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| 1.I have never had an account with this company NAVY FEDERAL XXXX UNION XXXX XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are NAVY FEDERAL XXXX UNION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. | ||||||
| 02/27/2018 | Yes |
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| On Monday XX/XX/XXXX, I received an email from Navy Federal Credit Union, stating that a new member to member transfer account had been established. I immediately called the credit union and the first person I spoke to asked if I had just applied for a loan. I said no and she said she was transferring me to the fraud department. The next person I spoke with told me that my {$1500.00} from my checking had been transferred to this new account, and unfortunately once the money was transferred to the account, it was immediately transferred out so they couldn't get it back. I pay most of my credit cards through bill pay and also ACH transfers. NFCU closed my accounts and reopened them. they also told me I was not liable. They told me they would give me a letter to send to my creditors explaining that my accounts were compromised. As of today, I still have no letter for my creditors, I have had several credit cards that had their limits drastically cut, because of my payments being returned ( because accounts were closed ). All of my money is gone!!! NFCU says I will get it back after they resolve the fraud complaint. I want a letter for my creditors now!!!! I am racking up late charges and also returned payment fees, because NFCU closed my account and the bill pay service sent me letters saying I need to bring my account current. I called NFCU on XX/XX/XXXX again to ask about getting a letter or to have them fax a letter to my creditors and was told because not all of the creditors were paid through billpay, that they wouldn't be able to help with those and that they wouldn't reimburse fees. My credit standing is dropping, all because NFCU can not, or will not give me a simple letter to give to my creditors stating what happened to my accounts and that I am not just late on my payments!!!!! I AM A VICTOM OF FRAUD!!! and NFCU is not helping me ... .because if them, I have no proof to give to my creditors ... thtey have to take my word for it ... .and in this day and age, we all know they just figure I am some deadbeat who can't pay their bills, and giving them a story!!!! All I want other then my money back is to get a generic letter to give to my creditors letting them know I was a victim of theft, that my accounts were compromise, NFCU closed them and reopened them, bills were scheduled to be paid through bill pay and ACH, and they were all returned, because of this!!!!! And ask the creditors to forgo fees and charges pertaining to this matter. | ||||||
| 09/18/2022 | Yes |
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Web | Servicemember |
| This is about the XXXX XXXX XXXX initiated on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX With ( Navy Federal Credit Union ) executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any form information in any for. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX & XXXX ). According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information 1. Provided by a consumer to a financial institution. 2. Resulting from any information with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX, XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. Navy Federal Credit Union has still violated the provisions of FCRA ( Fair Credit Report Act ). Under USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company ( Navy Federal Credit Union ) has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to remove the below-mentioned information from my Consumer Report ; 1. Late Payments 2. Charge off etc. | ||||||
| 06/14/2023 | Yes |
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Web | |
| As of XXXX of XXXX. I discovered that I've become a victim of identity theft. I had a substantial amount of money in my checking/savings and credit card account and overlooked large sums of money being charged and transferred from my account. It has been verified that my account has been compromised due to a spyware remotely accessing my phone. I was able to get an incident report from law enforcement and an identity theft report from the Federal Trade Commission to support my claim after thorough investigation was done and confirmation was made of how my accounts were compromised. Multiple lines of credit of was opened and services were used in my name. I reached out to Navy Federal Credit Union to dispute the charges with the Fraud Department. I first discovered the unauthorized credit card charges, in which I reported to Navy Federal. An investigation was done and I was able to get the charges credited back to my credit card. The original credit card account was closed and a new card was issued. After filtering through my checking/savings account, I discovered charges dating back to XXXX that I was unaware of. There were a large amount of XXXX and XXXX transactions, along with other fraudulent charges that was linked in my name. The Fraud Department issued a 'Statement of Forgery for Navy Federal Debit Card/CUCard Form ' for me to list each itemized fraudulent charge. I submitted as many charges that I was able to list on the form. I also have additional to submit as well. I was advised that an investigation would be done and I would be notified of a decision within 45 days. I haven't heard from anyone at NFCU in regards to my fraud claim. After a few months went by, I have followed up with a NFCU representative to verify the status of my claim. I was advised that the claim was denied. I received no notice of denial via phone, mail, or email. I have yet to get a fair resolution based on a lack of support and lack of effort in properly investigating this matter in a timely fashion. Within the time of the identity theft, I have experienced a major financial hardship that caused me to almost lose my home and a car repossession. I had to apply for government assistance in order for me to keep my bills paid. This has also affected my credit. I've applied for a personal loan, auto loan and even an increase in my credit limit for my credit card. I've been denied for all three loans ( in which my consumer law/FCRA rights have been violated ). | ||||||
| 05/14/2020 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, I applied for a VA Mortgage Loan from Navy Federal at 2.75 % with 1 Discount Point at 1 %. I was pre-approved and have since placed an offer on a house ( XX/XX/XXXX ) with a loan amount of {$280000.00} with a discount amount of {$2800.00}. During the option period, I tried to contact my Loan Officer several times via email and phone to secure the rate. The Option Period ended on XX/XX/XXXX and only today XX/XX/XXXX did my Loan Officer inform me that there will be an additional 1.5 % or {$4200.00} in Orientation Fees. I stated that the website advertising the rates and the pre-approval paperwork did not state the additional Orientation Fees. After I brought it up, the Loan Officer talked me to find in a very obsure location the Orientation Fee information that is clear only an internal employee would know to find. At this point, I asked my Loan Officer why she did not reply to my emails or phone calls to discuss this information and lock down the rate prior to my Option Period ending. She did not provide a response to her delays beyond the option period. I asked to speak to her supervisor and later her supervisor called. The supervisor could not explain why the Orientation Fee is not located next to the advertised rate similar to the Discount Points and why the Loan Officer would not respond to my requests to resolve the interest rate while I was still in the option period. At this point, I will lose {$3500.00} in Earnest Money and I was informed there will be an additional 30 days in processing the loan. In Summary, ( 1 ) Navy Federal was not clearly advertising their true cost for interest rates and put in a location only employees would know to look. ( 2 ) Did not provide any Orientation Fees documentation in the Pre-Approval paperwork that was used to put an offer on the house. ( 3 ) The Loan Officer would not respond to phone calls and emails when directly asking about the Discount Points charged even when I specifially outline the math involved during the option period when I could walk away from the home purchase contract. Only after the option period did the Loan Officer inform me of this additional {$4200.00} in charges. ( 4 ) The Loan Officer Supervisor could not explain why the information was not located next to the interest rate, like the Discount Points, on the website and why the Loan Officer did not respond to my communications during the option period when I could have avoided the additional {$3500.00}. | ||||||
| 05/04/2018 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX I had a XXXX XXXX and had XXXX XXXX in 7 months and was not able to work. During this time, I was not receiving my paycheck due to my employer not properly completing my paperwork. I had worked with Navy Federal Credit Union and XXXX XXXX XXXX in XXXX, CA and they agreed to purchase the XXXX XXXX that I had in XX/XX/XXXX. I was advised that this was an easier way to get rid of the car without a repossession on my credit report due to the fact I have a security clearance with the US government. Once XXXX XXXX obtained the title of the car, I signed the papers that I needed to and left. Flash forward to XX/XX/XXXX. I start to receive notices in the mail that I have a car payment coming due in XX/XX/XXXX, for a car that I have not had for almost 3 years. I call Navy federal and they advise that they had applied the payment that was received from XXXX to my loan? Which was wrong, and I tell them that I don't have the car and that I am not paying a balance. I have made numerous phone calls and attempts to try to settle this car loan balance and status. All to which, Navy federal agrees that they have messed up the paper work and gave a car to a dealership to include title but the loan wasn't fulfilled! But now all the sudden I am being held responsible for their mistake. I have even tried to offer a settlement to get this off my credit report. I just refinanced my house with XXXX XXXX XXXX we called the settlement and collections department. They talked to us on the phone and we offered them an amount ( XXXX ), to which was denied! I called back to the same person, who said that the next amount they would accept was XXXX XXXX and the next time I called it was XXXX. I was like what happened to the other amount. When I spoke to them on XX/XX/XXXX for the last time, I was now given another story and run around saying that I am no longer allowed to talk to collections and settlements. I must talk to consumer loans to fix this. And that since my loan is current, there is nothing that they or a supervisor can do for me. I am agitated that this is their mistake, that they have even told me via numerous phone calls. I don't feel that after this long of a time period it should be something that all of the sudden lets try to make her pay a ton of money for it! I will never use them again for anything! I have had the worse experience, very frustrating phone calls, hours and hours long try to resolve an issue that isn't even mine! | ||||||
| 04/27/2021 | Yes |
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Web | Older American |
| I was contracted to assist a XXXX company XXXX with their domestic clients past due accounts on XX/XX/21. My agreement was to collect these funds deposit into my business account SIRID at NFCU and that I was to deduct my commission or costs and forward the balance to XXXX. I received contacts from their clients and verified via XXXX. I receieved a check from XXXX XXXX of XXXX Wisconsin in the amount of $ XXXXas expected deposited into my business account personally with very clear instruction that I want to be notified when the funds have " CLEARED ''. The teller at the XXXX XXXX branch said that it would only take a day or two I said I am not in a rush. On XX/XX/21 NFCU posted this check as cleared in my account. I contacted NFCU via phone and was again confirmed that the check had cleared. I proceeded to NFCU in XXXX XXXX Ca to then complete the transaction by sending a wire in the amount of $ XXXX. Once again I asked if the check had cleared NFCU said yes- I sent the wire and on XX/XX/21 I went on line and my business account had been frozen the check was returned and I was obligated to pay the $ XXXX per NFCU the security department told me its my responsibility and would I like them to place a hold on the wire I said yes I asked why they never contacted me and that I was the one contacted them. On XX/XX/21 I called NFCU security and spoke XXXX after explaining this she also asked me if I wanted a hold on the wire -it took 5 business days for NFCU to implement actions to recover or stop the wire. At that point my accounts had been cleaned out at NFCU they took $ XXXX in my business and savings account and even took my social security payment. I spoke with 2 additional security people at NFCU and their response to their lack of notification and implementation was at best cavalier. I offered to go to mediation they refused I offered a settlement they refused. I have no money I am XXXX and just had XXXX XXXX operations in the last 6 weeks. NFCU told me that " cleared " is defined by them differently and that I was liable. They breached their fiduciary responsibility to me as well as business client. Conducted their own investigation of themself and they have self judged that they did nothing wrong. The covered up their misleading incorrect responses and rather than show the proper integrity they pass it on to me. I will be forced into bankruptcy at XXXX and my XXXX XXXX XXXX company XXXX will be destroyed. Help me please XXXX XXXX | ||||||
| 03/01/2023 | Yes |
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Web | Servicemember |
| I refinanced my vehicle loan from XXXX XXXX to Navy Federal Credit Union back in XX/XX/2022. Prior to this, In the past I have refinanced a vehicle with Navy Federal Credit Union and the whole process was smooth and completed in a timely manner and Navy never had me running around trying to get the title to them or have them placed as lien holder. This time around Navy has been very difficult. They claimed that it was my responsibility to get the title from XXXX to them and that they had sent plenty of letters to me to inform me of such. I only received one letter titled final notice at the end of XXXX that my payment was increasing in XXXX due to them not being placed as lien holder on the title. Prior to this notice I never received a letter, an email, or a message when I log into my online banking portal informing me of any issue with title. Navy informed me that they still had not been placed as lien holder and that it was my responsibility to place them on the title. I have been forced to run through hoops to get this resolved. When I contacted XXXX XXXX they stated that in no time was I ever going to be given the title because it goes from one bank to the other and Navy had not requested it from them. Then I was told by XXXX ( NFCU Supervisor ) that once Navy received the title from XXXX it would then be mailed to me by Navy so that I could go to the XXXX and request for NFCU to be placed as lien holder on the title and that my monthly payment would be readjusted to the original amount that I signed my refinanced contract for. I was also told that if I did make the larger payment, any difference would be adjusted and put towards the principle. When I called today to follow up on the status of the title I was informed they revived it and mailed it to me which I should receive in 2 to 3 days. I then inquired about the XXXX due payment and was asking for confirmation of grace period as well as how soon can they readjust my monthly payment and revert it back to the original amount. I was told that they would not readjust XXXX and I still need to make the larger payment and if I didnt they would take my entire XXXX XXXXXXXX that had been deposited. I explained Im a XXXX veteran and have limited funds and this is putting a huge financial strain on me when they were the ones that messed up. I also explained Thai is not what I was told by XXXX the supervisor which the representative then said that XXXX didnt inform me correctly. | ||||||
| 06/10/2020 | Yes |
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Web | Servicemember |
| I am an XXXX XXXX XXXX XXXX and have been living in MD since XXXX when I arrived there on my first assignment. I purchased a home in XXXX, MD in XX/XX/XXXX just before the housing crisis. By XXXX, the market had completely crashed and I decided to move out of the area. I have owned the home for over 12 years hoping that the market would recover and I could sell, but it never did. Over the years I have lost a tremendous amount of money managing the home as a rental - losing money on rent, dealing with tenants who refuse to pay, break -ins XXXX damage to the property, crime etc ... recently I tried to list the home for short sale. However, due to market factors that are out of my hands this is not a viable option. I believe that returning the collateral back to the bank through cash for keys or deed in lieu of foreclosure is the only way to settle this matter. I did not make my XXXX payment as I was planning on starting this process with the bank. When I got paid on the XX/XX/XXXX, I transferred my money to a different banking institution. Despite the fact that I had a pending transaction and had shut off my payments to my mortgage, Navy Federal Credit Union took it upon itself to withdraw money from my account in an unauthorized transaction. I called the bank and disputed, but they refused to return the money. I received many harassing phone calls during the weeks I was delinquent and constantly reminded that I owed the money. On the XX/XX/XXXX, I went to the bank to communicate my intentions to give back my keys and return the collateral through one of the aforementioned programs. When I arrived, I was told that there were limited services due to COVID-19 policy and that they would not allow me to speak to an associate regarding a mortgage. I told her it was imperative that I speak to someone. She insisted that I disclose details of my issue in front of other customers waiting in line ( clearly a private matter ) and that " they don't resolve any mortgage issues at local branches ''. I was finally allowed in after calling the banks mortgage service from the parking lot. I have been in good standing with this mortgage for over a decade, but I feel that owning the home is no longer tenable due to the financial and emotional burden it has placed on me and my family. I am absolutely appalled by the banks general demeaner and attitude towards me and feel it is necessary to settle this matter before I retire from XX/XX/XXXX in XXXX. | ||||||
| 10/28/2020 | Yes |
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Web | Servicemember |
| On XXXX I submitted a check through Navy Federal online banking. On XXXX Navy Federal garnished {$2800.00} from the {$4000.00} check that I submitted on XXXX before the funds were even available to me. On XXXX I called navy federal and spoke to XXXX XXXX and explained to her that I have not received any notification about the {$2800.00} debt that I owed to them and she proceeded to argue with me about how dont I know. I also explained to her that I was more than willing to make payments on this debt and if she could please reverse the payment, as covid has caused my family extremely financial hardship and the one vehicle that we own is broke down and I havent been able to work due to it and myself and my family were counting on this check to help with our struggles. I explain to XXXX XXXX that I have not received any phone calls or mail about the debt nor did I receive anything saying that they were going to take money from my bank account that myself and my family were so desperately in need of. All she would say is that they have been sending mail since XXXX of 2020 when I have only live at my address since XXXX of 2020. XXXX XXXX was very rude and even after explaining my situation and that this would cause my family financial hardship she was very unforgiving and not willing to work with me and threatened me that I also have another debt that if I dont start paying on that they would take money for that as well. She also bashed me in my face that I have a paycheck coming in from my VA benefits and that they didnt take all my money. XXXX XXXX also proceeded to try and argue with me about the situation when I simply was counting on her to help me. I have been paying back all the debt I owe to banks and was more than willing to pay back this debt as well, but due to no notifications from them to me about the debt or the fact that they were going to take money from my account I had no idea that the money for the debt was due since they charged it off as bad credit-profit loss. I would like to know if there is anything that could be done to reverse this transaction or anything that could be done? My wife is out of work due to covid and my wife and to very young children rely on me as the supplier. My only working vehicle went down last week and I havent been able to work either since then and have had to use vacation time. we desperately counted on this money to get it back working since my motor went bad. Thank you. | ||||||
| 12/28/2021 | Yes |
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| On XX/XX/XXXX I opened a complaint with CFPB about Navy Federal Credit Union. I had a Visa Signature Cash Rewards credit card with Navy Federal Credit Union Account XXXX ending XXXX. This account was closed by the bank due to none payment/nonactivity. NFCU has committed fraud. As of the date of the first complaint # XXXX, NFCU completed XXXX Unauthorized electronic fund transfer, as described in XXXX CFR XXXX ( m ), in the amount of {$2200.00}. I sent NFCU a letter revoking any POA that they have had on all of my accounts and they received it on XX/XX/XXXX, I have attached the letter to this complaint. On XX/XX/XXXX another complaint was opened on my behalf by the XXXX XXXX XXXX XXXX, XXXX Assistance XXXX, it stated everything that I put in my original complaint that was filed XX/XX/XXXX. On XX/XX/XXXX NFCU did another Unauthorized electronic fund transfer in the amount of {$800.00}. These actions are a clear violation of Special credit card provisions, as described XXXX XXXX XXXX XXXX credit card provisions. ( d ) Offsets by card issuer prohibited ( XXXX ) General rule. A card issuer XXXX not take any action, wither before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer., which is fraud. When I spoke to someone on XX/XX/XXXX, I was told that that I had been refusing to pay the balance, which is not true. I spoke with XXXX different XXXX letting them know what the situation was and that I was waiting to get a response from NFCU, once my complaint was completed, we could discuss the alleged debt. The times that I spoke to someone were supposed to be on a recorded line and I have been trying to get a copy of the recordings to prove that I was not stating I would not take care of this alleged debt. They have lied and committed fraud more that XXXX times in my accounts alone. I am sure that this has happened to other people and this is not right. They have also committed fraud as described in XXXX XXXX XXXX XXXX ( b ) ; XXXX XXXX XXXX ; XXXX XXXX Code XXXX and several others that I have not mentioned. The original claim was opened almost XXXX weeks and 2 days ago and I have not received any response/resolution for this matter. This is the last complaint that will be filed before I start litigation. I have attached all of my supporting evidence. | ||||||
| 04/12/2020 | Yes |
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Web | Servicemember |
| I filed a complaint on XX/XX/2020 ID # XXXX and Navy Federal Credit Union has once again locked down my account and I have to contact their Security office. I was trying to deposit 3 more paychecks, had a total of 6 waiting on deposit, since they will not allow the deposits to go through, they are rejected, not approved. Finally 3 were resubmitted and being held until the checks clear, since they were already deposited once, are payroll checks issued some time ago and I put a large check mark on the face of them with the date I first mobile deposited them. Since that time 3 more paychecks have been acquired and held because of the rejection of the first 3, but now that the first 3 are pending, wanted to get the other 3 deposited quickly, so when they are held for a week, I will have some funds to buy food and gas. I wasn't able to make my second rent payment via XXXX for several days and only because my tax return was direct deposited, were there funds available to pay my rent. I have to make the rent payment in two transactions on two different days, but the transactions were denied on the first of the month because it took me 5 days last month to fight with the bank and get a new bank account established before they would allow me to pay the rent via XXXX, so this month 's rent was also delayed and I expect it will be so from now on, which is unacceptable. If it weren't for COVID-19 I would have closed this account and gone to another bank. As with credit unions I was referred by my daughter, XXXX XXXX XXXX XXXX who is employed at the XXXX XXXX XXXX. I am employed by XXXX XXXX. The principle person for both of our memberships is my ex-husband and her father who served in the XXXX XXXX during the XXXX XXXX. XXXX XXXX XXXX is our son and the person to whom the paychecks in question belong. I am tired of not being able to use my account and have access to deposited funds or to make deposits in order to pay my bills in this day and age, much less during COVID-19. This is entirely unacceptable behavior and I am at a loss as to how to get the funds deposited until COVID-19 is under control and I can open another account ; funds have been marked " for eDeposit only to NFCU '' as per NFCU instructions, but they are rejecting the paychecks. The first paycheck from this employer was deposited in mid XXXX very soon after I opened the account. I made that deposit in person at the desk, but every pay check since then has been blocked. | ||||||
| 08/01/2020 | Yes |
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| My accounts was frozen due to my bank stating it was a fraudulent deposit because the company that deposited the loan did not use my name they use numbers as they do for every loan, I have all business information to prove I have a active business I also have approval letters from The loan company that my loan was approved and it is in deed my loan in my name, the bank asked for my EIN number so that they can verify that I have a business I provided the information she then asked where did you get this number from its fake it dont exist she basically called me a liar I had the IRS fax over a copy of my EIN number in which they still stated its not registered with the government how is that possible if the IRS has it, The IRS was able to verify my business start date as well address so how is it possible that when I provided my bank with my information they are saying Im lien this is destroying my reputation as well as causing my business more damage that loan was relief to help pay employees as well as other things concerning my business and to have my bank freeze my account and tell me I can never use the account again or even open another account I feel is humiliating and unfair and its not right due to the accusations of fraud being false I plan on getting a lawyer involved with this matter the way I was treated was very unprofessional and to call me a liar when I have proof and provided proof is unacceptable. One rep told me the freeze was placed because I had my loan deposited into my personal account I didnt know Navy Federal Credit union offered business accounts so she stated she can get me started with a business account and transfer my loan into my business account then the freeze would be lifted but I am in XXXX with no business information on me so I had to contact the IRS which led to me losing the first rep that I was speaking with at Navy Federal Credit Union I asked for her direct extension she stated that they didnt have extensions and it was no way I could get back in touch with her, so once the IRS faxed over a copy of my EIN to The XXXX hotel I am staying in, in XXXX I immediately called Navy Federal back to provide the information in which the second rep stated I was making it up I am in another state with no access to my accounts she didnt care I told her I was going inside a branch she stated that I couldnt the account will remain froze and my Loan will be sent back to the company that deposited it. | ||||||
| 06/19/2019 | Yes |
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Web | Servicemember |
| Please reference CFPB Complaint XXXX-XXXX. Sixteen months after I discovered that Navy Federal 's removal of my name from the mortgage ( ' ... because we're not using your VA certificate. But don't worry ; nothing will change. ' ) meant that with the sudden death of my spouse in XX/XX/XXXX, access to anything about the mortgage including making payments became complicated and time consuming : NFCU finally completed the mortgage assumption paperwork after being educated by VA Loan specialists that they were legally prohibited from charging me closing costs or anything other than a {$50.00} transfer fee. On XXXX XX/XX/XXXX all the papers were signed and the assumption was completed. By the XXXX, everything was recorded. On/about XX/XX/XXXX I contacted NFCU Mortgage Department by phone and was advised by XXXX that the mortgage should show up in my online account no later than Friday, XX/XX/XXXX. It did not. I sent a secured message asking for the status and was advised that someone would contact me within five business days when the updating process was completed. That was on XX/XX/XXXX. No one has contacted me, the mortgage is not listed among my online accounts and I have no access at all now because the previous account number under my husband 's access has been deactivated. At least Navy Federal is consistent in their lack of timely contact and inability to process mortgage-related paperwork accurately. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Mortgage Assumption Online Access Navy Federal Response XX/XX/XXXX : Thank you for using Navy Federal 's eMessaging Service and for bringing this matter to our attention. We are currently updating your file in our records. An Assumption Specialist will contact you once this process is completed, within five business days. If we can be of further assistance, please let us know. Your Message XX/XX/XXXX : We completed the paperwork on XX/XX/XXXX and I received a refund check two weeks ago from the title company. Earlier this week I spoke with XXXX in the Mortgage Dept and she thought the mortgage should show up online by today. Nothing yet. Could you please check on the transit of the paperwork through the bowels of NFCU? I'd like to be able to make payments online instead of going through telephone representatives. Thank you. | ||||||
| 06/29/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023 Navy Federal Credit Union XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, VA XXXX Subject : Billing Error and Missing Remittance Coupon for Cash Rewards Credit Card - Account Number : XXXX Dear Navy Federal Credit Union Billing Error Department/CFO , I am writing to address a billing error and a missing remittance coupon regarding my Cash Rewards Credit Card account with Navy Federal Credit Union . I am reaching out in accordance with the provisions of the Uniform Commercial Code ( UCC ) Section 3-603 and UCC Section 3-311, which govern negotiable instruments and are relevant to this situation. On XX/XX/2023, I received a billing statement indicating a charge of {$3500.00} on my Cash Rewards Credit Card account with account number XXXX. However, according to my records, this charge has already been paid in full on XX/XX/2023, through a negotiable instrument, specifically a check payable on demand by the bearer. As per UCC Section 3-603, a person who has already paid an instrument in good faith and for value has the right to the discharge of the instrument. Therefore, I kindly request that you update my account records immediately to reflect that the aforementioned charge has been satisfied and the instrument has been discharged. Additionally, I have noticed that the remittance coupon associated with the aforementioned negotiable instrument has not been returned to me. According to UCC Section 3-311, the remittance coupon is an essential part of the instrument, and its loss or non-return should not affect the underlying obligation. Therefore, I kindly request that you locate the missing remittance coupon and provide it to me as soon as possible. I urge you to handle this matter promptly and in compliance with the UCC provisions mentioned above. I kindly request that all future communications regarding this matter be sent to me via mail. Please provide a written response to the address mentioned above. Thank you for your immediate attention to these concerns. I expect a timely response and a satisfactory resolution to rectify the billing error, discharge the instrument, and provide the missing remittance coupon in accordance with the applicable UCC provisions. Your cooperation in this matter is greatly appreciated. Yours sincerely, XXXX XXXX XXXX, XXXX XXXX Agent Without recourse Enclosure : A second remittance coupon Sent certified mail XXXX delivered XX/XX/2023. | ||||||
| 04/12/2022 | Yes |
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| Navy Federal Credit Union has been harassing me by sending me debt collection notices on just about a monthly basis since XXXX of XXXX. They have harm my reputation by reporting negative information about my account to the credit reporting agencies. In these letters they keep sending me they allege I owe them different amounts. According to my XXXX credit report the account was charged off XXXX of XXXX. On XX/XX/XXXX I finally had enough of Navy Federal 's abuse of accusing me of owing a debt and their constant harassment of sending me collection notices in the mail. So, I sent them a cease and desist notice via certified mail. They received the notice on the XXXX of XXXX. Navy Federal Credit Union sent a response to my cease and desist notice dated XX/XX/XXXX stating they had receive my notice and that they will cease and desist all communication with me for all accounts. However, they completely ignored my demands for remedy for the violation I cited in my notice to them. I pointed out 4 Fair Debt Collection Practices Act ( FDCPA ) violations they never addressed in their response. I also sent them an invoice for the amount they owe me for the violations they committed. In their response they did not dispute the validity of my invoice. They have 30 days from the date they receive the invoice to dispute it. On the XXXX of XXXX the debt for my invoice will be validated. I called the debt collection department at Navy Federal today at XXXX XXXX and spoke to someone who identified herself as XXXX XXXX. She would not provide me with her ID #. I called to get a status on the demands in my cease and desist notice. She asked what did I want a update on. I told her I wanted to know had you contacted the credit reporting agencies to remove the Navy Federal account off my report. She told me, " no because the account is verified that you owe the debt ''. She also told they could not remove an account off my report. I told her that is not true and that if you can create an account you can remove it. I also asked her about the file I requested. She told me I needed to send them another notice to remove the cease and desist before they could send me my account information. I know what she was telling me was not true. At the beginning of the call she informed me that the call was being recorded. So, there should a recording of her giving me false information. I had attached a my notice and their response to this complaint. | ||||||
| 02/17/2021 | Yes |
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Web | Servicemember |
| I am currently stationed overseas and I was out with some friends when I misplaced my phone, I ended up finding it later that day and everything seemed fine with my phone. On XX/XX/2020, I noticed that there was a XXXX cash advancement pulled out on my credit card and the following day there was a loan taken out under my account. I myself did not take out this loan or request the cash advancement, so immediately after finding out I went into Navy Federal branch and started a Fraud claim process with them. I got all the help I needed to fill out what was needed and submitted the claim. I was told I would have to wait about 15 business day for the outcome of the claim. As the claim was going through, they removed the loan and reversed the XXXX cash advancement. As the 15 days came closer I realized that the loan and the XXXX was posted on my account again. So I took it upon myself to call Navy Federal and ask what the outcome of the claim was and the lady I spoke with said that my claim was denied. She informed me that I could do an appeal on the claim and sent me the form that I needed to fill out for the appeal. I was heading back home to the states for the holidays at this time, so when I got back to the states I went into a branch and got help with the appeal. The clerk helped me fill out the form and I submitted the appeal along with screenshots of the activity that was happening with my accounts. Whoever applied for this loan and requested the cash advancement, also hacked into my cash app, XXXX XXXX and XXXX. They used those three applications to transfer the funds to other accounts. The names on those accounts I have never associated with before. I am appalled by the lack of security by Navy Federal, the loan should have never been approved because first there is no hand signature. Anyone can fake a digital signature, and two it should have been an in person process not an online process. I don't believe that Navy Federal did a thorough investigation of the activity. I would like to see all documentation and validation supporting this investigation on my account, in order to validate that my information was not compromised by staff or employees of this financial institute or any affiliated financial institute connected to these transactions. In the images attached, as you can see those names and phone numbers can be linked to someone. I don't know who those people are and have never sent money to them ever. | ||||||
| 11/17/2021 | Yes |
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| This letter is to serve notice of an error that occurred and a demand to resolve. On XX/XX/2021 the merchant, XXXX by XXXX deposited/credited a total amount of {$9200.00} into my personal checking account. I noticed after checking my account balance on XX/XX/2021 that- {$9200.00} was debited from my personal checking account by the merchant XXXX XXXX XXXX. I reached out to the financial institution, Navy Federal on XX/XX/2021 to request an explanation of why funds were reversed/taken. The explanation the representative of the financial institution, Navy Federal Credit Union provided me was " The merchant has up to 180 days to go into your account and settle any issues. '' I had to leave this issue right there after that exchange, because I felt, that what was being told /stated was in good faith the correct and right information, however on XX/XX/2021 I contacted the financial institution, Navy Federal and spoke with XXXX XXXX who informed me that she is no aware of such a rule that a merchant has up to 180 days to settle an account. I was faberglasted, confused and now determined to get to the bottom of this. As of today, XX/XX/2021 this matter has not been appropriately addressed. I want to have this resolved, as I believe this was an EFT error on the financial institute, Navy Federal. I would like to know ; ( 1 ). Why was I not given prior notification by phone, email or text of the EFT transaction that took place on XX/XX/2021?, ( 2 ). Does a merchant indeed have access to my account for 180 days in order to settle any discrepancies?, ( 3 ). Who authorized this EFT transaction?, and ( XXXX ). If it was not authorized was there written approval of a preauthorized EFT? I find that the financial institution, Navy Federal is in violation of Regulation E ( C.F.R. 1005 ) and I am requesting a formal claim of error investigated pursuant to 15 USC 1693f. I contacted the financial institution, Navy Federal pursuant to 15 USC 1693g ( a ) ( 2 ) on XX/XX/2021 and was made to believe I had no other recourse in this matter. This was false and deceptive practice by the representative of the financial institution, Navy Federal. I did not authorize ( 12 C.F.R. 1005.3 ) or preauthorize ( 12 C.F.R. 1005.10 ) the financial institution, Navy Federal to perform an EFT of my personal checking account. As a consumer, pursuant to 15 USC 1693a ( 6 ) I am invoking my consumer right to have this matter investigated and resolved. | ||||||
| 09/16/2021 | Yes |
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| Hi my name is XXXX XXXX and im submitting this complaint myself. There is no third party involved. I entered a consumer credit transaction with this Navy Federal and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. Navy Federal have been calling multiple times at various hours and even on the weekends as well as texting and emails when im at work and inappropriate times, I have proof of the calls logs from the number XXXX. This is harassment. Ive sent a debt validation and affidavit to the CFO and it would also be uploaded here. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. Navy Federal have been violating my rights per the FDCPA and their policies state that they put the consumer 1st. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. This dispute is specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. ACCOUNT # : XXXX, XXXX | ||||||
| 11/24/2021 | Yes |
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| On XX/XX/XXXX and XXXX, I got text messages from XXXX XXXX XXXX saying my monthly cell phone service could not be renewed. My monthly cell phone bill has been charged to my navy federal XXXX credit card every month for XXXX years without an issue. When I called XXXX XXXX XXXX on XX/XX/XXXX, I was told my bank had declined the charge. COMPLETELY UNACCEPTABLE!!! I sent an email to navy federal demanding to know why they would refuse a legitimate charge that had been recurring for XXXX years and explained that instead of continuing my monthly charge on my XXXX, I switched to my XXXX card. The incompetent navy federal employee who responded without providing their name of course said that an authorization code was required and he/she was happy I was able to use my XXXX card to make the charge. The incompetent employee of course completely missed all the points of my complaint starting with the fact that I should not have had to switch credit cards and should be allowed to use whichever one I want especially since I pay my balance in full, on time every month even when navy federal says my minimum payment is only {$20.00} or {$0.00} I still pay the balance in full and I am nowhere near my credit limit!!!! There was also no explanation as to why my XXXX card would suddenly require an authorization code for a charge that had already been recurring for 48 months!!!!! Navy federal doesn't seem to care about how embarrassing it is to have a perfectly valid credit card be declined for a legitimate recurring charge!!!! COMPLETELY UNACCEPTABLE!!! This is also my only phone service and my only means of communication and I was about to lose my phone access because of navy federal 's complete incompetence. I also asked in the email for confirmation that nothing like this would ever happen again but the completely incompetent employees refused to provide such confirmation. Even when I do EVERYTHING right and pay my credit card bills on time and in full, navy federal still manages to find a way to completely XXXX me over without any regard to my rights!!!! I need to speak to someone with a first and last name who will sincerely apologize for the problem ( although I probably won't believe them ), explain why navy federal denied the legitimate charge, what is being done to prevent this from ever happening again, and explain why navy federal is continuously looking for ways to XXXX me over and make my life XXXX unnecessarily!!!! | ||||||
| 01/12/2018 | Yes |
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Web | Older American, Servicemember |
| I received a letter titled IRS demand payment for a debt of {$1800.00} for my XXXX taxes. The letter contained my complete social security number in the upper right hand corner and stated that IRS has requested several times for funds in the first letter and I should pay-up immediately. Two months later another letter was sent to my XXXX XXXX XXXX asking me to pay up immediately. In XX/XX/XXXX, another letter came in through regular mail to my home, stating that I owed IRS {$2100.00} and if I did n't pay up immediately, 15 % of my social security benefits would be seized. I was told not to contact the Social Security Administration about the deduction from my social security benefits. I notified my credit union and Social Security Office, downtown XXXX about the threat. I met with the credit union and social security official and changed my account, in fear that my bank account had been compromised. On XX/XX/XXXX, my credit union account showed that my {$1100.00} social security benefit check was reduced to {$990.00}. I met with Social Security Administration on XX/XX/XXXX who explained that no such deduction had been made to my benefits by Social Security Administration, I was given a copy of my Social Security benefits for XX/XX/XXXXshowing that {$1100.00} was deposited. I than met with the Credit Union who said that no such deduction was authorized by the credit union and that the {$990.00} was deposit as is. I returned again, after discussing the deduction with my tax person, to the Credit Union and asked if any authorizations had come in demanding payment for the debit and I was told no. The credit union explained that when deductions are authorized by a creditor, the total amount of the deposited benefit is recorded and then the authorized debt is shown, in my case, the {$990.00} was the only deposit made. I went back to Social Security Administration on XX/XX/XXXX and asked again about the deduction. I was told that on XX/XX/XXXX, my {$1100.00} benefit check was sent to the credit union for deposit, the credit union sent the {$1100.00} benefit check back to Social Security Administration and on XX/XX/XXXX, Social Security Administration deducted XXXX. Social Security did n't know who deducted the funds on XX/XX/XXXX, but would send a copy of the authorization to deduct the funds in a couple of days on Social Security Administration stationary. No such notification has come in the mail as of XX/XX/XXXX. | ||||||
| 07/20/2017 | Yes |
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Web | Servicemember |
| ( Deposit depend on a certain of the ATM then XXXX XXXX. is cut off time ) Why does the ATM cash withdraws post before any transaction ( first when you have multiples transactions )? Next why is there a early cut off when cash with draws vs. making cash deposits with the ATM? We were told it is noting in writing but it the way your Credit Union look at the items. All Navy Federal Credit Union Board Members : My Civil Right have been violated by Navy Federal Credit Union! The purpose of this letter is to outline the facts of XXXX ( Manger or Supervisor of Navy Federal Credit Union ), XXXX XXXX has become her personal target! ( XX/XX/2017 ) It has been brought to my attention that XXXX has a special file with my name on her desk! It is my understanding that she has alerted every employed who tapes into my account to send all calls to her desk. I am on a list that she has personally target due to the fact of my race, age and XXXX. She has benefited from not waving fees that she knows that should not be on my checking account. As she stated the rules and regulation does vary, but after asking her to provide documentation of some of our concerns she stated she could not! Being hearing lost I was also able to tape record her statement. I prepared to proof the events that I was personal target after she hung up in my face! I called back and latter was told a lie that XXXX made certain statement to her. But XXXX was not on duty! So why did the Staff member lie about XXXX being on duty! Who took the call? Later she told me she talk to XXXX and XXXX a Manger, Several times I requested to speak with the persons. I was hold for over 15 minutes only to find out the true identity of the person which is ( XXXX XXXX ), was the person expressing her thoughts to the young staff member. XXXX did not want to talk to me after she hung up in my face! Was it true she gave out instruction on my file for no one to touch my account pass all calls to her personally. ( read her notes ) This is a true form of retaliation! Retaliation against a person with XXXX who filed a complaint with a government agency is unfair. Yes, I filed a complaint against Navy so to get back at me then to participate unprofessional behavior is unlawful. Did the CEO direct XXXX to target me or retaliate against me for what reason- my formal complaint. I am filing a complaint against Navy with discrimination, and requesting the Board to investigation my complaint. | ||||||
| 08/27/2023 | Yes |
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| According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Id also like to mention, that I tried to settle this debt on multiple occasions via a registered security & also a billing error notice. These request were both denied & ignored. | ||||||
| 03/23/2017 | Yes |
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| On XXXX XXXX, 2017 I went into a Navy Federal branch on XXXX XXXX in XXXX, VA. I requested a cashier 's check for my landlord in the amount of {$730.00}. The cashier who did my transaction spelled the name wrong on the check and he then proceeded to cash another check from my checking account with the right name. He voided a check and gave me the other one in my hand. I went home to take it to my landlord only to find he voided the correct check and still ended up giving me the bad one. I called Navy Federal on the phone and asked them what to do. They said since the check might be voided to just go back to the branch and get another one. I went back there on XXXX XXXX, 2017. I explained what happened to another cashier as the first one was n't working that day. She then had her supervisor issue a credit to my account so they could give me a check with the proper spelling on it. I was able to give that check to my landlord. Then on XXXX XXXX, 2017 I saw there was a credit placed on my account for {$730.00}. I went into the branch on XXXX XXXX, 2017 and asked a teller in that same branch ( Teller ID : XXXX ) if the credit was correct because I had an issue with my account the previous month and I know that there were funds taken out initially that it did n't show were out back. She assured me that it was because they were correcting the error on the account. I also called into Navy Federal member services rep and had a representative investigate further just to be sure and they also confirmed the same thing. Now on XXXX XXXX, 2017 I access my account to find they 've debited my account for {$730.00}. When I called in and asked about the debit, the member services rep said she reached out to their cash applications team and she specifically said they made a mistake in crediting my account for the funds because they do n't show that they ever removed the funds from my account surfing the first transaction. I asked her how is it my fault that the bank made a mistake and now I have to pay for it. I was essentially told that even though they made a mistake, I still have to pay for their mistake and that they are n't going to own up to it. This is unfair and unjust treatment from a banking institution that is just expecting a consumer to pay them money based on the fact that they made a mistake. Even when the customer calls and goes up in person to ask about the validity of the credit and is told that it is valid. | ||||||
| 10/03/2021 | Yes |
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| Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Re : Notice of Intent to sue for falling to remove innacurate information after received Identity Theft Report. Attn : Navy Federal Credit Union Account # XXXX Dear Sir/Madam I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), 615 ( f ) and the 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which states that this information must be removed within four business days of receipt. THIS LETTER servesas the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as CLRA ) California Civil Code section 1750, et seq., ( hereinafter referred to as the ACT ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account # XXXX which constitutes violations of the Act and of my demand that you remedy such violation within four ( 04 ) calendar days from your receipt of this letter. Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : Any actual damages I sustain due to your failure to delete this item ; Cost of court action in order to have the item deleted; Punitive damages as the court may allow ; Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter. Yours very truly, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX ( XXXX ) California Attorney Generals Office Attachment : FTC Identity Theft Report. | ||||||
| 04/12/2017 | Yes |
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| Everything started from the following dates the Month of XXXX ; XX/XX/XXXX up until XX/XX/XXXX with me making cash deposits into NFCU ATM in XXXX, Maryland in XXXX XXXX County ATM Machine. I stick to the same patterns every month by depositing cash into NFCU atm 's. I thought cash post instantly regardless of the time of the cash deposit 's. For at least starting from XX/XX/XXXX my bills were getting paid by NFCU, No return fee 's for my paid items, etc. when I made these cash deposit 's. I have an agreement starting back from XX/XX/XXXX with XXXX they 'll deduct from my husband and I joint checking account every two weeks when I get paid they 'll deduct on my pay dates {$41.00}. I never had a problem until XX/XX/XXXX, NFCU just decided to start start charging me return item fee 's. I stuck with my same process by putting cash within our checking account. I requested an audit on my account from NFCU Starting back from XX/XX/XXXX until until now regarding " All '' deposit 's made into our account. I requested in written through email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX XXXX office and NFCU Priority email box to complete an Audit on our account. I even spoke to XXXX XXXX on XX/XX/XXXX about requesting in writing an audit done on our account. As of yet I have n't received my information. I aso spoke to a supervisor through customer service on Tuesday, XX/XX/XXXX XXXX to make sure that my XXXX bill will be paid, if I did n't call to verify that my XXXX will be paid. NFCU would purposely returned that item and charge me a fee. The supervisor advised me that if a consumer makes a cash deposit through NFCU ATM before the XXXX cut-off time they will pay that item for you. I receiving mix signals from NFCU Employees saying different information regarding a consumer making cash deposits through the ATM machines. On, Tuesday XX/XX/XXXX, I purosley went into the NFCU XXXX Maryland branch around XXXX I asked the teller will my cash post to my account he said " Yes '' all cash depsoit 's post 's immediately going into the branches and using the NFCU Atm 's machines. So I feel that NFCU are performing unfair practices on consumer 's account 's so they can make money by purposely returning items to hit the consumer with {$29.00} fee ( s ). I do want my audit done regarding all deposit 's made starting from XX/XX/XXXX up until XX/XX/XXXX. I want them to return that {$29.00} back from XX/XX/XXXX. | ||||||
| 07/12/2023 | Yes |
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| Subject : Lack of Disclosure under 15 USC 6802 and GLBA - Request to Opt Out Navy Federal Credit Union I am writing to address a critical matter regarding the disclosure of my personal information to third parties, as required by 15 USC 6802 and the Gramm-Leach-Bliley Act ( GLBA ). I recently discovered that Navy Federal Credit Union failed to provide me with the necessary disclosure under these regulations, which grants me the right to opt out of having my information reported to third parties. Under the provisions outlined in 15 USC 6802 and the GLBA, consumers are entitled to receive clear and conspicuous notice about their ability to restrict the sharing of their personal information for marketing purposes. Consumers must also be provided with a reasonable opportunity to opt out of such sharing. Unfortunately, I was not properly informed of this opt-out option or provided any means to exercise my right to restrict the reporting of my personal information to third parties. This omission not only violates my rights under federal law but also erodes the trust I have placed in your corporation to handle my personal information with care and diligence. I hereby request that you rectify this situation promptly by providing me with the required disclosure as mandated by 15 USC 6802 and the GLBA. Furthermore, I exercise my right to opt out of any future sharing of my personal information with third parties for marketing purposes. It is crucial that my information is not disclosed or shared with external entities without obtaining my explicit consent. I understand that specific procedures or forms may need to be completed to effectively opt out. Kindly furnish me with detailed instructions and any relevant documents to ensure a smooth and expedient process. I trust that your corporation acknowledges the seriousness of this matter and will take immediate action to ensure compliance with the applicable laws and regulations. I appreciate your prompt attention to this issue and anticipate a timely resolution that upholds my rights as a consumer. Please acknowledge receipt of this letter within [ number of days, typically 10-14 days ] and provide a written confirmation of the steps taken to address my concerns. Thank you for your immediate attention to this matter. I look forward to a swift resolution and to maintaining a positive customer experience with your corporation. Sincerely, [ Your Name ] | ||||||
| 12/01/2022 | Yes |
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| Good morning, with great disappointment I must say your company has humiliated me, treated me with bad intentions, and made a circus animal out of me. I called in for one simple thing that turn into accusations, being treat out of name being called sir multiple times after constantly saying I was woman. I called in because I was told via a XXXX message to call in to finish setting up my business account which turn into something totally different. They interrogated me about my account then told me I had to change my password which I opted not to do then I was refused to speak to business team which I ask for a supervisor whose name was XXXX who has the be most absolute worse employee that could have been hired for a customer service job. He told me he had to change it so when I said no he implied my account wasnt mine so I ask if it wasnt mine and you felt that way why would you be willing to change it then he had no answer. Preceded to tell me that I wont get any help unless I go in a branch and he will make sure of it so he flagged my account. Spoke with another supervisor who said same they cudnt talk me for a fruad hold to go in a branch which come to find out XXXX knew it wasnt any branches 25 mile radius of my zipcode. I call in again another supervisor made me send documents in. I had to send it multiple times with multiple things along with a picture of me with which is absolutely ridiculous. I felt beyond humiliated I am asking for a immediate remedy. I have been in touch with my lawyers which I dont want involved if dont have to be but these practices are unethical discriminatory and completely unacceptable. So what can you do to savage a customer cause at this point I am beyond flustered and refuse to deal with this any longer. All to set up a account to give the company money not purchase ask for a loan credit card simply set up a business acount to build a better relationship to be treated in such dismay I clear with the branch XX/XX/2022 spoke with XXXX I sent in documents various multiple times via mail and via email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, we been dealing with unsafe discriminatory practices for two months. They keep refusing to help or take me off this block I have sent in passport XXXX XXXX id selfie and went into a branch. Every time I call in I am being called sir and transfer and block out my account this has been the worse experience of my life. | ||||||
| 07/25/2019 | Yes |
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Web | Servicemember |
| Hello, last week I attempted to log into my Navy Federal Credit Union account to perform routine duties in my corporate account. This is a business account that is held under a corporation. I was 1 ) locked out of my account, 2 ) when i called was told I couldnt use my account due to a personal debt 3 ) told I couldn't use my funds to make payment towards a personal debt because of security 's guidelines 4 ) was then told that money belongs to Navy Federal and not me ( XXXX in Security told me this ) 5 ) was hung up on twice by XXXX 6 ) nowhere in any of your disclosures does cross-collateratization come into play on corporate accounts 7 ) " XXXX '' refused to transfer me to a supervisor or give me her supervisor 's name 8 ) " XXXX '' specifically said the funds in the corporate account belong to Navy Federal and no longer belong to me. In actuality, they belong to the corporation and not myself or Navy Federal Credit Union. These funds are held by a corporate entity. Its not a sole proprietorship. Its a corporation. This is a gross violation against Navy Federal Credit Union 's 2016 consent order with the CFPB and I demand those funds be released immediately. I've even made payment arrangements on all of my personal accounts and fully resolved 2/3 of these accounts. I've even gone to length to make payments arrangements on the final account and gave them money towards the debt. When made the attempt to make arrangements with " XXXX '' in Security of {$9000.00} towards the last outstanding personal debt, her response was, " ... .but there's {$15000.00} in that account ''. Shortly after that she hung up on me. " XXXX '' also refused to This has cause my corporation a hardship as that account is used to pay my agents their commission. Nowhere in NFCU 's disclosures or terms, can NFCU leverage a member 's corporate funds to cover a personal debt. This is gross negligence, abuse of authority and predatory on the behalf of Navy Federal Credit Union and I'd like to move forward with filing a formal complaint against them. I've even gone to lengths to try and mediate this by reaching out to NFCU 's CEO without a response. Navy Federal Credit Union misled its members about its debt collection practices and froze consumers out from their own accounts, said CFPB Director XXXX XXXX. Financial institutions have a right to collect money that is due to them, but they must comply with federal laws as they do so. | ||||||
| 08/18/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022 -- a XXXX XXXX buyer was offering to pay upfront {$1200.00} for a road bike I am trying to sell. The potential buyer stated she was sending {$1200.00}, but received an email ( which I received the same email from " XXXX '' ) stating that I don't have a " Business '' account with XXXX, which allows me to send/receive higher amounts of funds, since it states my account has a " limit. '' As a result, an extra {$400.00} was needed to increase my limit. The buyer stated she felt comfortable sending the extra {$400.00}, as long as I was willing to immediately refund that amount back. The buyer made it seem like she was anxious about trusting me, and repeatedly attempted building report and a sense of empathy on my side, by stating the funds she sent couldn't be reversed and was being held by XXXX, until I refunded the amount. At this points, there were no funds at all in my checking account via XXXX. The potential buyer repeatedly harrassed me with multiple calls out of a " sense of urgency '' to help with the " refund, '' in order to get her {$400.00} back and also to help push through the funds that were supposedly being held by XXXX. Fast forward, when I attempted to send the {$400.00} with XXXX via Navy Federal Credit Union ( personal bank ), it was placed on a hold. I had to call my bank to release the hold, which I did. Then, immediately I asked a question regarding XXXX limits, but at that point, it was too late and there was nothing NFCU could do to help me retrieve/replace the lost funds/cash. I tried to reach out to the buyer, and she acted as if I needed to email proof of the conversation to XXXX. She tried to tell me multiple times to " trust me. '' At which point, I was just being led down a hopeless path. Afterwards, no further messages were sent via XXXX XXXX bugging me to help get her funds ( i.e {$1200.00} back ). I haven't experienced this level of fraud with multiple communications. The previous attempt at fraud ( via XXXX ) was stopped in it's tracks, thanks to NFCU ( in-person ), involved a cashier 's check for another product I was selling on XXXX. Anyways, it's {$400.00} that I can't get back, and it saddens me that people would attempt to swindle others especially during these type of financial times. To help others, the person 's names is XXXX XXXX, email XXXX, nickname " lumpkins '' ; " XXXX '' is the XXXX name attached to the account. XXXX user name is XXXX XXXX. | ||||||
| 09/23/2017 | Yes |
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| A law needs to be passed where the collections agencies supply invoices to consumers that are on payment plans. Debt collection agencies are taking advantage of consumers that are trying earnestly and honestly to respectfully pay what they owe. Is there a law in place where debt collection agencies, credit card companies, and banks should supply a consumer with an invoice monthly or at least quarterly as to what the interest is accruing on that payment plan? And most importantly when payment plans are established how are these companies able to take your payment and apply it all to the interest that is accruing since your payment plan payments are lower than the original contract or credit card payments. The payment should be going towards the debt itself or at least half of it should be applied the debt and half towards the interest. When no laws or terms are set in place as stated above the consumers are stuck with the dilemma of being taken advantage of and abused into paying way more than whats sent to collect. If a consumer defaulted on an account and couldnt pay, how in the world could they pay on a payment plan that is being charged monthly and or yearly interest and most importantly when they dont even know how that interest is being compounded if the agency or bank never sends you any receipts or invoices of payments received. The consumer doesnt know until he or she happen to call and inquire about the account balance. Why isnt the law carried over like with a regular loan or credit card account that sends monthly invoices so the consumer as to payments received, so they will know whats going on with the account? Debt collectors so send invoices of any kind unless requested and this is wrong. Debt payment plans/agreements of this kind are sure signs of being abused by price gaulging a consumers debt with unknown terms and how interest is being accrued. Why isnt there a law in place to protect consumers on this issue? We are being taken advantage of by debt collection firms, banks, and credit card agencies. A lot of the debt collections laws that are in place are cosmetic, protecting the surface. We need in depth laws put in place asap. Also see complaint # XXXX & XXXX, it was never resolved. Their response is not what the court drawn agreement says at all. NO NEED TO SEND TO NAVY FEDERAL, THIS IS A LEGAL, CFPB, AND OR FEDERAL TRADE COMMISSION ISSUE. I NEED LAW PROTECTING FACTS. | ||||||
| 10/04/2019 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I place a stop payment for an ACH debit for a XXXX XXXX payment through Navy Federal 's website. On XX/XX/XXXX, I called Navy Federal to confirm that the stop payment had been received and was told by a representative that the stop payment was being processed. On XX/XX/XXXX, the XXXX XXXX purchase was posted to my checking account. I called the same day and requested to have the funds reversed and inquired as to why the stop payment failed. As a result, my payment for the electric bill was returned. I was told that the stop payment possibly failed because I was supposed to submit the request via phone and not online ( this was never told to me by the rep I spoke with on XX/XX/XXXX ). I was emailed a dispute form and the funds were placed back into my account on XX/XX/XXXX. On XX/XX/XXXX I called my electric company and paid my bill, but they informed me I had incurred a return fee and was restricted from making any ach payments. The electric company requested a letter from Navy Federal showing that a stop payment was issued and failed, making the payment return. I called Navy Federal afterwards a requested a letter be emailed to me, so that I could provide it as proof of the failed stop payment. I was told by the rep that they would have to listen to the phone call from XX/XX/XXXX, to verify that I was told the stop payment was being processed and to call back later in the afternoon to follow-up. I called back later that afternoon and spoke with XXXX ( supervisor ) and she stated she would pull the call from XX/XX/XXXX herself. She then stated that the call was not recorded and she could not listen. XXXX stated that she would need to have an analyst check to see if the call can be retrieved and she would call me back on XX/XX/XXXX once they have gathered all the information. On XX/XX/XXXX, XXXX called and informed me they were able to listen to the XX/XX/XXXX call and because of such, could not send me a letter confirming that a stop payment was placed on XX/XX/XXXX. I told her that as a member of the credit union, I should have access to retrieve a document showing that this stop payment was issued. She informed me that because the call between the rep and I from Navy Federal was not recorded, they could not send me documentation. This is an unjust and unfair act, because I ( the consumer, customer, member ) is suffering because of a mistake and fault on Navy Federal 's part. | ||||||
| 06/24/2023 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint against Navy Federal Credit Union Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union regarding a recent incident involving my account. I believe that Navy Federal Credit Union has engaged in unfair practices by withholding funds without proper justification, causing significant financial hardship for me and my family. Here are the details of the complaint : Account Information : Account Holder 's Name : XXXX XXXX Account Number : Date of Incident : XX/XX/2023 Description of the Incident : On XX/XX/2023, a loan I received for {$300.00} was deposited into my account with Navy Federal Credit Union. However, upon the deposit of funds from a third-party loan, Navy Federal immediately seized the entire amount from my account to pay off a previously charged off account, without any prior notification or explanation. Attempts to Resolve the Issue : I have contacted Navy Federal 's customer service multiple times to address this issue. During one of these conversations, a representative acknowledged that the funds could be returned to me. However, despite their acknowledgment, Navy Federal has refused to take any action to rectify the situation or provide an adequate explanation for their actions. Financial Hardship : By taking the loan funds that I had deposited into my account, Navy Federal has caused great financial hardship for me and my family. I needed those funds to repair my car, which is essential for me to continue working and provide for my family. Texas Statute of Limitations : According to the Texas statute of limitations for debt collection, which is generally four years, the charged off account in question exceeds the statutory time limit for collection. Therefore, Navy Federal 's actions in seizing funds to pay off the debt may be in violation of the statute of limitations. I kindly request the Consumer Financial Protection Bureau to investigate this matter, taking into consideration the significant impact this has had on my family 's financial well-being. I request your intervention in ensuring a fair resolution to this dispute. Thank you for your attention to this matter. Please feel free to contact me if you require any further information. Sincerely, XXXX XXXX | ||||||
| 04/05/2015 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union, explained that they would not adhere to the XXXX, and my request to dispute certain items, due to perceived fraudulent transactions. In my official XXXX letter mailed to Navy Address in XXXX, Virginia I requested all statements, and ancillary information. I was informed by the Navy CSR that if I did n't imminently make payment I would be reported to the CRA as late. This is a clear and cut violation of the Fair Credit Billing Act, and its provisions that the CCPA codified XXXX which requires CREDITORS : " In addition to creating a mechanism for dealing with billing errors, the FCBA contains additional regulations, including the following : Billing statements must be sent at least fourteen days before the payment is due for open end credit accounts that have a grace period prior to adding finance charges. If banks report payments as delinquent to credit bureaus they must also report a charge is disputed. Credit card companies may not prohibit merchants from offering discounts to people who pay with cash or check. Banks may generally not use money in checking or savings accounts to pay a delinquent credit account with the same bank. The XXXX XXXX gives a consumer the right to sue or assert defenses against the credit company ( instead of the actual merchant ) in a dispute about the quality of goods or services received, to the dollar extent of the amount of the charge ( s ) involved. ( The dollar amount of the charge must exceed {$50.00}, and the purchase must have been made in the consumer 's home state or within XXXX miles of their address ( unless the creditor is affiliated with the merchant, in which case these restrictions do not apply ). The consumer must also make a good faith attempt to resolve the dispute prior to invoking this right. ) Especially now is all the more prudent to support openness and not be punished in light of XXXX which stated purpose that created the CFPB is " To promote the financial stability of the United States by improving accountability and transparency in the financial system, to end " too big to fail '', to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. '' Id say the mere treating of reporting me as delinquent when I challenged a statement is not only counter to XXXX its counter to the mission and work of the CFPB. I am disappointed in NAVY | ||||||
| 06/14/2022 | Yes |
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Web | Servicemember |
| ( ONCE AGAIN I AM NOT ARGUING MY ACCOUNTS IM ARGUING YOUR ERRONEOUS REPORTING WHICH IS DESTROYING ME AND MY FAMILY 'S LIFE. Navy Federal Credit Union is furnishing inaccurate and incorrect information to the consumer reporting agencies. YOU ARE REPORTING MY CHARGE OFF AS INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT ONCE IT IS CHARGED OFF AND PLACED ON A CREDIT PROFILE. the IRS clearly says a Cancelled debt or Charge Off is income : The reporting of these account as DEBT is inaccurate : THIS IS WHERE YOU ARE IN VIOLATIONS As defined by the IRS income does not get reported on a consumer report once a charge off is put on your credit. YOU MUST REPORT CANCELLED DEBT AS ( GROSS INCOME ) ON YOUR TAX RETURN WHICH MAKES YOUR REPORTING ON MY CREDIT PROFILE INACCURATE. { IRS publication ) 1099-C I have several charge offs on my credit profile from NF ONCE AGAIN I am requesting duplicate 1099-Cs for the following accounts : These accounts are reporting inaccurate according to the law. { XXXX } { XXXX } { XXXX } { XXXX } IT IS MY CONSUMER RIGHTS TO REQUEST THIS INFORMATION I KNOW THE LAW AND YOU NAVY FEDERAL HAVE IGNORED MY REQUEST OVER AND OVER. I am requesting additional information did you charge off any of these accounts with the Internal Revenue? Did you file any of the following debts on NF taxes as a { lost of income }? and if so, have you received { a tax credit }. According to the IRS rep my taxes are upside down because all of the income NF is reporting on my credit profile with there 1099-C 's reducing your tax burden and increasing my taxes. The IRS says reporting of a charge off is inaccurate for the simply fact that a charge off is gross-income. A Lender must file 1099-C and send you a copy if the amount the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or applicable entity. 15 USC 1681s2 : Says you NF are a furnisher of information to a consumer reporting agency you are PROHIBITED by law to furnish inaccurate information I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.You are hereby put on NOTICE : that your are furnishing incorrect/inaccurate information on my consumer report. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate. | ||||||
| 10/04/2022 | Yes |
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| I ( XXXX XXXX, consumer, creditor and natural person ) is enforcing The Truth And Lending Act ( TILA ) because Navy Federal Credit Union ( NFCU, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ) unlawful acts. 15 USC 1602 The term person means a naturalpersonor anorganization. I am a natural person. The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The term creditor refers only to a person who both ( XXXX ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement. The term person means a natural person or an organization. By law I am a creditor and also a natural person, without me your organization wouldnt be able conduct a transaction to extend more credit, like a credit card for example. If I dont come to you ( organization ) and initiate a transaction you wouldnt be able to extend credit. You need my credit to extend credit. And my credit is my right. You do not have the right to discriminate against a creditor by law and pick and choose after a transaction is initiated like the one done on XX/XX/2022. I applied to receive {$99000.00} for a vehicle. You denied me a right I have by law. In the midst of the transaction that took place you committed fraud. I entered the numbers of my credit card into your application and we ( I and NFCU ) initiated a transaction that I didnt receive benefits from. That is unauthorized use The term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Im sure you know what credit card Im referring to. Also this transaction was a private transaction that had nothing to do with consumer reporting agency. Consumer reporting in voluntary and I did not consent to participate. Therefore you checking a consumer report was a violation. Nothing under adverse action give you the right to deny me my rights. I give your organization a chance to make things right by being a lawful abiding organization under ECOA, FDIC, NCUA, and CFPB and grant me my right for an extension of credit that I asked for. | ||||||
| 11/05/2018 | Yes |
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Web | Servicemember |
| I asked for a rate reduction on my line of credit and received First time : We regret that we are unable to offer member-initiated interest rate reviews on our Checking Line of Credits. The interest rate assigned at the time of the approved application will be the interest rate until the account is closed. However at the discretion of the Board of Directors, they may adjust this rate, as with all Navy Federal rates. Any decision regarding adjustments will be based on a number of factors, including fairness to our members, current economic conditions and the overall competitive picture. Navy Federal may change the terms of the Checking Line Of Credit by sending written notice to the member at least 45 days prior to the date the change becomes effective. Second time : We regret that a more favorable reply could not be made to your rate reduction request. Your feedback regarding your experience with our members service representatives have been brought to the attention of our training staff who will review the matter and follow-up with the personnel involved. Every effort will be made in the future to provide you with the prompt and efficient service to which you are entitled as a member of Navy Federal. Third time : We are unable to revert your rate due to not receiving a lien recorded title for the XXXX XXXX. Once the lien recorded title is received, the interest rate will be reverted back to the Collateral rate. If we can be of further assistance, please let us know. Thank you for your membership. Fourth Time : Thank you reaching out for clarification, there was not a title lien on your Checking Line of Credit ( CLOC ) as we don't have collateral CLOC products. Regarding changing rates on CLOCs, unfortunately, we are unable to offer member-initiated interest rate reviews on our CLOCs. The interest rate assigned at the time of the approved application will be the interest rate until the account is closed. However, at the discretion of our Board of Directors, they may adjust this rate, as with all Navy Federal rates. Any decision regarding adjustments will be based on a number of factors, including fairness to our members, current economic conditions and the overall competitive picture. Navy Federal may change the terms of the CLOC by sending written notice to the member at least 45 days prior to the date the change becomes effective. If you have further questions, please let us know. | ||||||
| 06/06/2018 | Yes |
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| In applying for a refinance loan with Navy Federal back on XX/XX/XXXX. The person I was working with at Navy Federal continued to ask for documentation in order to have my loan reviewed for approval. I did not like the fact she asked me to scan my tax records and email them to her via the internet. I felt this was not a safe way to ask for personal information to be sent. She assured me that an appraisal of {$500.00} would not be asked for until my loan was approved. After she assured me personally the loan had been approved, the {$500.00} was paid to have the appraisal done on my home. We also had to pay {$140.00} for termite inspection of our home before going to the Title company. After numerous emails of continuing to ask for documentation ( asked for XXXX tax information twice ), and many phone calls, my husband received a phone call from XXXX XXXX that our loan had been denied. To my dismay, I was very upset in regards to how this process was handled. I contacted the department and asked to speak to XXXX XXXX 's supervisor, and instead, the representative pushed me through to XXXX XXXX instead. I asked XXXX XXXX to transfer me to her supervisor and she said she did not know how to do that. I told her I would hold until she found someone else to transfer me through. I left a voice mail and asked the supervisor to call me back as soon as possible. I also called Navy Federal again and asked for the email address so I can follow up with an email and explain to her how I was not pleased in the handling of our loan. I then received a call from another person ( not the supervisor they gave me a name to ), XXXX XXXX. XXXX XXXX assured me that she would speak with XXXX XXXX and apologized for how the loan was handled. Apparently, all that was done to process my loan was handled very, very badly. This institution had my home insurance already transferred to Navy Federal and I had already sent more documentation to the Title company to begin the paperwork for me to sign on a loan. To find out at the 11th hour my loan was denied is very disturbing and the emotional roller coaster I have been experiencing is unbelievable. I want this experience to go on record in regards to Navy Federal to where no one else will have to go through what my husband ( XXXX veteran ) and I have experienced. We plan to look for another institution in hopes we can receive help in reducing our mortgage payment soon. | ||||||
| 02/09/2017 | Yes |
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| In the month of XXXX I had some checks printed out from my bank at Navy Federal Credit Union at the XXXX XXXX XXXX, XXXX, CA XXXX location. Since the checks were given out I issued out approximately XXXX of the sheet of checks given to me. Upon writing out my fourth one I noticed that the check had my full social printed on it. I contacted them through XXXX message and had a representative tell me someone would contact me regarding the issue. I spoke to a gentleman by the name of XXXX ( incident:XXXX ) and he apologized for what happened and kind of suggested what I should do. He then offered to send me a box of complimentary checks. I also went to the branch personally and spoke to the person in charge at the time because XXXX had gone home for the day on XX/XX/2017. Once again they offered their apologies and suggested I should do all these things and pay for all this monitoring. ( The lady I did speak to did offer to reimburse me for any credit monitoring I elected to do ) My concern is with the fact that my social was printed out. When speaking to them I felt that I was blamed for the situation because the checks were in " my possession '' when those checks were written out but admitted guilt that it was a teller error. This is a mistake that should have never happened. I was explained as to why it happened, and in my opinion it should be 100 % preventable. There should n't even be an option for full socials to be printed out on a check. Even if it is an " old system ''. We live in a time where full social are not even really required anywhere just the last XXXX. For the reason alone that it is sensitive information. However, I was made to feel that it was n't really a big deal and that all I had to do was notify the credit bureaus of the situation and get credit monitoring. They assured me that it 's nothing to worry about that no one would really see those checks besides the person I gave them too. However, I find it hard to believe. One of the checks I wrote ended up being an NSF. He got a mail in the letter with a picture of the check and my full social appeared on it. So everyone who saw that letter had the opportunity to have seen my social. I would like for this to not happen again. And I would like a real resolution for this incident. I have a voided check still in my possession as proof as well of a copy of that letter that the person I gave the NSF check provided me with. | ||||||
| 04/19/2023 | Yes |
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Web | Servicemember |
| I filed a dispute with NFCU on XX/XX/XXXX about two charges that were paid in advance for a trip that was to take place on XX/XX/XXXX and end on XX/XX/XXXX. The first charge was on XX/XX/XXXX for XXXX and the second charge was on XX/XX/XXXX for XXXX. The other charges for the trip was paid with a different credit card. Music getaways sent an email on XX/XX/XXXX notifying me that the trip has been cancelled due to unforeseen circumstances. I called the XXXX XXXX XXXX to find out that music getaways never paid the XXXX for our reservations which led to the cancellation of our trip. Since then music getaways have sent out an email talking about refunds that he have no intention of giving. I have not spoke with anyone from this company. I have sent an email to music getaways asking for a full refund because our monthly payments were not applied to the Hotel. NFCU have issued me a temporary credit upon investigation and are still waiting for music getaways to respond. Music getaways have wiped my account clean where it doesnt show that I even purchased a trip to the XXXX XXXX XXXX XXXX Also music getaways have filed bankruptcy on XX/XX/XXXX. They are telling the banks that they have a no refund policy and they have issued credit for the trip which is all lies. XXXX giving you complete access to my accounts for your records so you can see all disputed accounts are wiped clean and no credit is applied. I have always asked for a refund never a credit for transfer to a future event. As far as the future event thats not going to happen because music getaways have filed bankruptcy and furthermore hes not allowing anyone to transfer because we filed a dispute. Enclosed I have proof that funds were never paid to the XXXX XXXX XXXX they provided all customers with this letter stating they never received payment. So the non refund policy should not apply because the event was canceled for non payment from music getaways. On top of that music getaways have filed bankruptcy and have no intention of giving us a refund or credit. Please pay attention to the Responsibility and limitation of liability section in the waiver we signed for the trip. It states that payments are not kept by music getaways all payments are paid to the hotel. I also have a copy of the email that was sent by music getaways canceling the trip two days prior to departure. Good thing I have copies of my purchase with music getaways. | ||||||
| 09/30/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022, I was admitted to the XXXX XXXX XXXX XXXX XXXX resulting from a XXXX XXXX While under their care, my wallet ( containing my Navy Federal Credit Union access number ) and personal belongings were out of my possession. When I was discharged ( XX/XX/XXXX ), I saw that someone had forged my signature on the discharge papers and even spelled my name wrong. It was not a family member because the hospital did not allow any family members to visit me. My daughter brought a change of clothes to the hospital but had to hand them off to a security guard who gave them to me and the security guard had to escort me to the car to go home. On XX/XX/XXXX, my wife discovered that our Navy Federal Money Market and savings accounts were empty and they told her that I had withdrawn the money online, but I do not bank online. We filed a fraud claim with the credit union, contacted our other bank ( XXXX XXXX XXXX XXXX XXXX credit cards and learned all of our joint accounts were maxed out or depleated. I filed a report with XXXX XXXX Police, fraud report with XXXX, XXXX 'XXXX XXXX XXXX, as well as identity theft fraud report with Social Security, the FBI, and the XXXX XXXX XXXX I have also received numerous notifications of credit denials ranging from {$20000.00} to {$70000.00} from all over the country which I did not apply for. One of them was from XXXX and I informed them that I am not a member and did not apply for it and to mark it as fraud. I notified all 3 credit agencies and had my credit score/report frozen. I continued to receive credit cards in the mail ( which I did not apply for ) with credit limits up to {$5000.00}. I have contacted all financial institutions reporting the fraud and shredded the cards without activating them. Every financial institution involved has been very helpful in working to resolve this issue except Navy Federal Credit Union. The branch manager ( XXXX, VA XXXX, XXXX XXXX, was very rude. He even told me that even though the bank found some of the money from our joint account ( {$5500.00} ) and the claim was valid, Navy Federal would not return the money to our account, but we could still continue to bank with them. XXXX XXXX told us that the funds were unavailable, despite the letter from Navy Federal that I received stating that the {$5500.00} would be returned to our account. Thank you for your attention and help in this matter. Sincerely, XXXX XXXX XXXX | ||||||
| 02/11/2021 | Yes |
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Web | Servicemember |
| On or about XXXX XX/XX/XXXX I logged into my Navy Federal XXXX XXXX Checking account and I noticed 12 fraudulent charges totaling {$450.00} dating back to XXXX XX/XX/XXXX. I submitted a fraud claim and it was handled by NFCU within days. I failed to notice that there was a time gap that fraudulent activity temporarily paused between the dates of XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX, resulting in me believing that I had accounted for of the fraud. The fraud had been continuing for some time. Prior to XXXX XX/XX/XXXX there was significant fraud that occurred. A total of 40 fraudulent charges totaling {$2400.00}. On or about XXXX XX/XX/XXXX I submitted a second fraud claim to cover the remainder of the money stolen from me ( {$1900.00} XXXX. A couple weeks later I was informed by a man named XXXX in NFCU fraud department that my claim was denied. After covering the fraudulent activity with him in detail, pointing out the purchases for a spoof card to duplicate my debit card. As well as the purchase locations were in California, where as I reside in Oklahoma. He said I could resubmit a claim for appeal. The next day I went to the NFCU branch in XXXX XXXX, OK and filed an appeal to the denial. NFCU continues to deny any responsibility for the money stolen and will not refund my money. Today, XX/XX/XXXX, I learned that my appeal was denied and I was told I could submit another appeal. The majority of the money stolen was through a company called XXXX XXXX XXXX '. It operates as a ride share service on the west coast. There were a total of 18 transactions spanning a time period from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX totaling an amount of {$1800.00}. Some transactions were for large amounts and were repeated on the same day. I would think that repeated transactions that happened over 1600 miles away from where I live would trigger some sort of automated response. The charges are clearly fraudulent. They do not match my spending habits nor do they happen in my geographical area. There is even a purchase for a spoof card to duplicate my debit card. NFCU claims that they need " more evidence. '' I don't understand what evidence is needed when they see the transactions for activity to purchase a spoof debit card and then have multiple transactions from a state I do not reside in. It does not make me feel safe to have money and assets in a bank that is so easily broken into and stolen from. | ||||||
| 05/08/2023 | Yes |
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Web | Servicemember |
| I got married and my spouse is a member of the XXXX XXXX. One benefit to that was that he was able to sponsor me into Navy Federal, for identity purposes. I'll use the first letter of my maiden name " XXXX '' and my married name " XX/XX/XXXX'. The DMV 's are still months backed up/behind on appointments due to covid. My Drivers License has my maiden name of " XXXX '' on it, my married name is " XXXX '', my social security card has " XXXX '' on it. Navy Federal allowed my to open my accounts with my name of " XXXX '', even with these discrepancies and said they were not an issue. I provided them with my identification documents, and I was allowed to open the account. I've been using their services for 3 months now with no issues, making withdrawals, my card issued has " XXXX '' on it. Without warning, Navy Federal locked me out of my account for security purposes. For no user error, just literally no reason. I physically went into the XXXX Texas location, after days of speaking with representatives telling me I needed to send an email over to their security team with my ID, Social, Lease Agreement, Marriage License, and Utility Bill ( which I did ) to appear in person as well to prove my identity. Their security team denied me access to my account, as well as the staff of the branch ( the same exact branch I was originally allowed to open the account at ) and they are refusing to allow me access to my funds. I'm behind on all my bills, I've provided every single identity document that I have to provide, there is nothing more I can provide. Navy Federal allowed me to open the account with these same exact documents, and now are holding my money XXXX, this is absolutely outrageous. Why was I allowed to open the account? I've spoken with 8+ representatives, supervisors, no one is willing help me. I'm not sure what to do at this point. I can not get my ID changed just yet due to covid restrictions, that is not my fault and is out of my hands. I shouldn't have been allowed to open the account like that in the first place if they were gon na lock me out. They have taken zero accountability/responsibility, have not apologized or admitted fault, nothing. They are not willing to help me, they can not allow me to open an account with the same documents they're requesting from me, and deny me from my money. This is absolutely employee/staff error and I'm being punished for it. | ||||||
| 05/21/2023 | Yes |
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Web | Servicemember |
| XX/XX/2023 {$5700.00} Navy Federal Credit Union ( NFCU ) refused to authorize transaction. Talked to two females at phone number for NFCU, lied and said problem is not them. Asked to talk to supervisor of first female, second female was not supervisor and then directly contradicted me about asking to speak to supervisor, then transferred after long hold to male. Man continued with same claim problem is not NFCU, wanted to ask about why name of business on card is XXXX XXXX XXXX, did not want to discuss, claimed I was wrong about topic of discussion, and when confronted with his problem, which all other customer service persons have problem, hung up on me. Called and spoke to XXXX, who although nice, claims address is different than one on statement. I have already told NFCU the business should be XXXX XXXX not a limited liability company ( LLC ). The address listed on the statement is a post office box I no longer use, and all these people say my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Wisconsin XXXX, which is wrong, the address on the statement is what is being used. XXXX said he was going to talk to the fraud department. After a long time on hold, he said he was still trying. I have issues with NFCU disputes on their credit cards. They would not do anything about them, always just say the dispute is my problem. This time around, transactions went through fine, now they falsely claim my information is not being submitted correctly in the electronic transaction. Spoke to someone named XXXX, had similar issues communicating, asked to speak to someone else, gave me flak about it and put me on extended hold. Now talking to XXXX. Claimed to be in fraud department, but had no idea what transactions I was referring. Hung up on me. Spoke to XXXX. Transferred me to a specialist who was unable to resolve the issue, even though XXXX told me exactly what the problem is. After difficulties communicating with this person, who XXXX claimed was able to resolve the problem, she transferred me. Spoke to supervisor. Most relevant complaint is NFCU purporting to offer credit, and not allowing me to use it. Talked to what sounded like an African-American lady, was sort of wise about getting me to respond. Plan to close card as soon as possible. Unable to change business name from XXXX XXXX XXXX to XXXX XXXX on credit card or provide service claiming to provide. | ||||||
| 11/17/2022 | Yes |
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| After, receiving an invitation, and being eligible to apply for a NAVY FEDERAL personal checking account. On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a personal checking account on NAVY FEDERAL. I filled out the form online, and provided every document required. I was immediately approved for a new personal checking account. Throughout the year I enjoyed my personal checking account and remained in great relations with NAVY FEDERAL, but due to being a victim of identity theft and a part of XXXX, XXXX XXXX, and XXXX XXXX breach. My NAVY FEDERAL ACCOUNTS were hacked, and information was stolen and used for multiple fraudulent charges. NAVY FEDERAL was aware of the fraudulent charges and decided to issue me Provisionals credit for each transaction that was unauthorized. Moving forward I decided I could not bear the pain of Navy Federal mishandling my personal information, and by letting unauthorized charges continue to occur on my account. I was also told a fraudulent charge was authorized by me, due to a wet signature, as if any random person cant sign my John DOE. I was uncomfortable with continuing business with navy federal credit union. I beg and plead with navy federal to close the account, due to the fact my personal information was constantly getting hacked and used. A representative from NAVY FEDERAL pressured me into not closing the account she threatens me with saying I will not get approved for any future accounts by NAVY FEDERAL. As I took the representative advice once again my account was hacked, and NAVY FEDERAL failed to protect me as a consumer. Navy Federal finally agreed to close the checking account with a {$0.00} dollar balance. the company also agreed to issue out the original deposit for each transaction not approved. On XX/XX/2022 I received a threaten letter in which stated, I the consumer was a liar, and responsible for all charges, and ALL charges will be reversed. Navy Federal is running my credit reputation by reporting a balance of {$1100.00} dollars in which, is not owed. Navy Federal did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that is unauthorized by the consumer. | ||||||
| 12/28/2016 | Yes |
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| On XXXX/XXXX/2016 I made a payment to my Navy Federal Checking Line of Credit, which NFCU claimed on XXXX was returned unpaid. On XXXX/XXXX/2016 my account access for all of my Navy Federal accounts was frozen. I called NFCU to inquire as to why I could not log in to my accounts. At that time the agent attempted to walk me through a password reset of my account. I was still unable to log in. At that time I was advised that my accounts were fine, but that the loans department had placed a freeze on my accounts. That team was unavailable, so I had to call back. I called NFCU again on XXXX, and was advised that because my Checking Line of Credit was delinquent, my electronic services had been revoked. I had no access to any of my accounts. I was assured that until I paid what I owed Navy Federal, I could still transfer money between my accounts over the phone to pay things like my car payment and credit card, as well as use my NFCU credit card as long as I continued to remain in good standing on those accounts. On XXXX I started receiving notification from places I was making payments to that my payments were bouncing from both my credit card and checking. I called again and asked about what was going on, and was advised that my account was overdrawn. NFCU had removed all money from my accounts to go towards the XXXX balance. An item attempted to clear my account, but was returned. The vendor, XXXX, had another attempt scheduled for that evening, so I asked the agent to have money transferred from my credit card to checking to cover the balance until we figure out what is going on. I was advised at that time that ALL access to anything, including transfers, my credit card, etc. had been taken, and I could not access my accounts until NFCU was paid for the XXXX that was past due. I can not even use the phone to handle my account. At this time, I have no access to any of my accounts, and NFCU has caused my checking account to become delinquent as well. I have all of my liquid financial assets with NFCU, and this is causing severe hardship for myself and my family. I received no notice that my accounts would be frozen, especially when I am not delinquent in all that is frozen. I understand that this practice is in direct violation of the CFPB ruling file XXXX/XXXX/2016 labeled " XXXX ''. I would like my access restored, and any harm done to my accounts to be reversed, immediately. | ||||||
| 11/18/2023 | Yes |
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| I have disputed the fraudulent credit card accounts being reported on my credit reports to no avail. This is very frustrating. Nobody is doing an actual investigation into the claims, yet the bureaus keep telling me the accounts have been " verified ''. Verified by whom??? They are not my accounts and can not possibly be " verified ''. The following accounts are not my accounts and need to be permanently deleted from my credit reports! XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage 95 % Balance {$6600.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - PAYMENT HISTORY LEGEND Status Closed. {$820.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Past due amount {$820.00} Highest balance {$7400.00} Monthly payment {$67.00} Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit grantor 's request Completed investigation of FCRA dispute - consumer disagrees Your statement - Contact info Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$2600.00} Balance updated XX/XX/XXXX Credit limit {$2000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY XXXX Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Past due amount {$2600.00} Highest balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX | ||||||
| 05/31/2023 | Yes |
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| Hello - This is following up with another complaint about complaint XXXX filed on XX/XX/XXXX. Navy Federal Credit Union did not respond to let me, or the CFPB, know when they allegedly told me I owed them {$12.00}. I never received an email. I never got a text. I did not receive a phone call. I was never sent a piece of physical mail. It is the law that Navy Federal must contact someone if they claim they owe money. I was never contacted. All of my documentation - 20+ pages - of records of phone calls, mail scanning, etc is all attached to the first complaint. Navy Federal never told me I allegedly owed them XXXX and so they reported it to the credit bureaus and ruined my credit. Now I can not buy a house. See the complaint response from Navy Federal below. I called them yet again today ( XX/XX/XXXX ) at XXXX ( XXXX ) and was eventually transferred to a supervisor. After telling him of my problem and how I've never been told when Navy Federal let me know of this XXXX I owed, nor did they address it in the CFPB complaint, he hung up on me. So it seems you definitely can not contact that XXXX number at anytime as no one was able to assist me and when I got someone on the phone, he hung up. THE ORIGINAL COMPLAINT RESPONSE FROM NAVY FEDERAL BELOW. NOTE THEY NEVER SAY WHEN THEY LET THE CUSTOMER KNOW OF AN ALLEGED XXXX DUE. THAT'S BECAUSE THEY NEVER LET THE CUSTOMER KNOW BEFORE REPORTING THE XXXX TO THE CREDIT BUREAUS AND RUINING HER CREDIT SCORE The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of Navy FederaXXXX member XXXX XXXX XXXX. The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show that on XXXX XX/XX/XXXX, our member made a payment in the amount of {$3900.00} to her credit card account ending in XXXX. Our members credit card statement issued on XXXX XX/XX/XXXX indicated a balance of {$12.00} due by XXXX XX/XX/XXXX, and the payment was not satisfied until XXXX XX/XX/XXXX. The account is closed and has been paid in full. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX Navy Federal credit card account. We will not request the removal of valid data from her credit file. Should XXXX XXXX have any questions, she may contact us toll-free anytime at XXXX ( XXXX ). | ||||||
| 06/19/2022 | Yes |
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Web | Servicemember |
| I was paid a very good amount by my new employer on XX/XX/2022. My new employer is also helping me monetarily so I can get back on my feet after not working for over a year taking care of my XXXX XXXX XXXX XXXX XXXX veteran grandfather. My deposited check was first approved and my bank gives {$220.00} right away so I will have some money available for a couple days before they deposit the entire amount. I have never had an issue with this before. This time, after the notification of my approved deposit, they sent a different notification saying that it will be held for over 5 days to " protect me from fraud '' and the weekend days involved. I contacted them to find out exactly why this is even a situation because I have never deposited a fraudulent check and I have also deposited amounts larger than the current with no issues before. I was told that the check is being held by the Federal Reserve to verify that the funds would be available from the company writing the check. I was also told that one of the reasons this situation has risen is because they had experienced questionable checks from the same source before and it had absolutely nothing to do with my previous actions. After researching these claims I found out that it was a total lie from the representative I spoke with. I called the Federal Reserve and verified that they were not the one holding my check at all. I also spoke with the General Manager at my new employment and verified that there has never been fraudulent checks written from the business and another new employee was able to cash their check at their own bank with no issues at all. I called my bank again and spoke with a supervisor and only told that it will be requested to be re-reviewed and possibly cleared a couple days earlier than the 5 day to 7 day time frame I was originally notified of. The supervisor did not verify anything, the first representative I spoke with, was true. He also did not say that I was the main reason for the hold. I was given no proper explanation at all. I am complaining because this is a situation that is completely unacceptable behavior from a financial institution that has never experienced fraudulent activity from a customer before. Things like this should not be allowed to happen to people that are trying to back on their feet with help from others understanding the person 's current situation. Completely unacceptable. | ||||||
| 11/24/2023 | Yes |
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Web | Servicemember |
| On XXXX XXXX XXXX XXXX XXXX via telephone call with Navy Federal Credit Union fraud services ( XXXX ) a stop payment was requested in accordance with 4-403 CUSTOMERs RIGHT TO STOP PAYMNET ; BURDEN OF PROOF OF LOSS During this time, Navy Federal Credit Union was made aware of several unauthorized fraudulent transactions and a stop payment was requested. On XXXX XXXX XXXX XXXX XXXX via telephone call with Navy Federal Credit Union fraud services XXXX XXXX XXXX a stop payment was requested in accordance with 4-403 CUSTOMERs RIGHT TO STOP PAYMNET ; BURDEN OF PROOF OF LOSS For the second time, Navy Federal Credit Union was made aware of several unauthorized fraudulent transactions and a stop payment was requested. These transactions consisted of the following at minimum transactions : -An unauthorized account was added for the purpose of internal transfers according to the fraud department representatives. - {$2400.00} dollars was removed from primary checking account ending in XXXX, and pending transfer to said unauthorized member to member account. - {$500.00} dollars was removed from my secondary account, ending in XXXX, and pending transfer to said unauthorized member to member account. -Several Cash advances were requested from my account credit cards with pending cash transfers to said unauthorized member to member accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX XXXX XXXX A report was filed with FDLE to document fraudulent charges. On XXXX XXXX XXXX XXXX XXXX via telephone call with Navy Federal Credit Union Fraud Services ( XXXX ) As requested, all checking, savings, and credit card accounts were changed to remove unauthorized access. I was informed by the representative that the issue was under investigation. On XXXX XX/XX/XXXX XXXX XXXX via telephone call with Navy Federal Credit Union fraud services ( XXXX ) The representative named XXXX stated that the appropriate fraud claims were not opened nor completed during the previous call. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the XXXXXXXX XXXX to file for fraudulent claim in person. I provided a demand letter explaining the fraud that had occurred. I spoke with XXXX, who gave me a form to fill out and printed all my statements from the last month for my accounts. She informed me that she would put in an urgent request for my money to be returned, but that it could take several months. | ||||||
| 03/01/2022 | Yes |
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Web | Servicemember |
| My problem initially began around XXXX time of Last year, XXXX when I deposited a Cashiers Check made out to my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX into my business checking account. As a veteran of the military, Id been a member of navy federal Credit Union for over 7 years. I called the bank and asked for guidance on how to go about depositing a larger amount of money into the account due to the fact that NFCU doesnt have many branch locations nationwide. I was walked through the exact process with a representative and completed the deposit. I was told the time would be about 10 days before I could have access to my funds just as a standard processing time. About 3 days into the process before the funds cleared I was contacted by a NFCU rep. The rep asked multiple questions concerning the origin of the money. I answered the questions very specifically and asked was there something wrong or to be concerned about. The bank advised me that I had no reason to worry and this was standard for a large deposit. I received about 2-3 follow up calls from different reps asking me the same question but they all said that I had nothing to worry about and my check hadnt bounced or been returned unpaid. I gave the bank the benefit of the doubt but I was alarmed at their suspicious behavior. After about 10 days, my funds clear as expected and seemed to be normal day of business. About 2 days after, my entire account access for both my business and consumer accounts were frozen. When I inquired about why my accounts were frozen I was completely stonewalled and treated like a criminal. I was ONLY told that some source outside of my actual Institution had claimed my money to be paid out in an error of some sort which Im stating for the record is absolutely false. I demanded proof of any documents the bank had but I was not provided anything. As a consumer and member of the bank I am supposed to have rights and protections and the bank refused to honor the law or my membership benefits. The bank stole nearly {$700000.00} from me and closed my lines of credit leaving me with personal and business debt and shuttering my business in the process. This ruined my consumer credit rating and also my business and its employees. They closed my account and said that I could not receive my money or anything in my account. Their actions violated Banking laws and the Uniform Commercial Code. | ||||||
| 04/19/2022 | Yes |
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Web | Servicemember |
| Navy Federal insisted on charging nonrefundable fees paid to third parties prior to the 3-day rescission period. The lender thereafter terminated the transaction and has not provided a refund of all fees including those paid to third parties in violation of Regulation-Z. Even though I explained to Navy Federal repeatedly that the seasoning application criteria being applied to me to secure the denial could not apply, I have been notified that the file has already been decisioned and I would need to file another application and take additional credit inquiry at additional cost. Because Navy Federal has not provided a refund of all fees for canceling the transaction, I believe Navy Federal is acting in bad faith. Causing applicants believe all fees are not refundable if the transaction is canceled by the lender or rescinded by the applicant within the 3-day period is not supported. Navy Federal repeatedly insisted on paying fees when it appears it had no intention of honoring the application. Also, Navy Federal made it appear that they wanted more information to further the current application on XX/XX/2022. Shortly thereafter it is clearly apparent that Navy Federal is merely gathering evidence in bad faith to better explain and justify itself before CFPB for complaints # XXXX and # XXXX involving this application. Navy Federal has also suddenly begun to divert the applicant away from his VA backed benefit and has suggested he to reapply or to make applications for other loan products less beneficial to XXXX veterans. NFCU to directed me to explain among many other things in bad faith, that I was no longer experiencing a hardship in a letter but used the fact that I received credit suppression protection as the sole reason to deny the application considering me as an undue credit risk applying seasoning improperly. I was led to believe verbally over the phone that I could provide further evidence or a letter from the current lender to overturn the underwriters denial decision on XX/XX/2022. After providing it the evidence is being misinterpreted in bad faith to preemptively justify the denial before the CFPB. Specifically, regularly scheduled contracted consecutive payments are being misidentified by the lender to add insult to injury. As of XX/XX/2022 the stance is that a decision has already been made and the evidence is being gathered to support some future application. | ||||||
| 01/04/2017 | Yes |
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| In XX/XX/XXXX, it became apparent that I had hail damage on my roof and it had started leaking. I contacted my insurance company who provided a very good detailed step by step plan on what to do. Got a XXXX who replaced the roof. Called Navy Federal Credit Union to understand how to handle the claim check. We reviewed the requirements XXXX times. I got the first settlement check and sent it as instructed to NFCU. A week later they informed me via email that there were other things that had to be done. They were returning the check to me. After XXXX weeks and numerous phone calls it appears they lost the check. It took XXXX more weeks working with the insurance company and NFCU to get the check replaced. I live in XXXX, XXXX. I was in the states and kept contacting them to get everything needed done prior to my return to XXXX. They claimed they got everything cleared with the insurance and would deposit the check. I had already paid {$24000.00} out of pocket for the repairs. The first check for {$13000.00} was deposited to my checking account. I transferred just under {$12000.00} to my XXXX credit card. XXXX days later NFCU withdrew the check stating it was fraudulent. I have called them over XXXX times and emailed XXXX times. I have received XXXX emails with limited information and XXXX phone calls which did not resolve any of the issues. I leave voicemail each time I call as I have never caught anyone at their desk. Today I have been informed that the insurance company is issuing the check for a third time in XXXX days. NFCU has withdrawn all my savings, charged me several fees, caused me to be charged fees from XXXX, cost me several overnight mail charges which were a waste of time and interest on my Line of Credit and XXXX credit cards. Cost out of pocket exceed {$400.00}. Now they are taking all the money out of my adult children 's accounts to try to cover some of the cost. I have been on hold now for over an hour. They apologize and state that it was their fault, but each time they apologize it cost me {$100.00} or more. I paid to have the second/final insurance check overnight. They received it on the XX/XX/XXXX. Thus, far they still have not acted on that check. I understand it is the holiday season with many people on vacation, but they do n't stop charging me interest. They admit negligence in handling this issue, but have not resolved the issue yet. | ||||||
| 11/07/2021 | Yes |
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| I had a Visa Signature Cash Rewards credit card with Navy Federal Credit Union Account Number ending XXXX. This account was closed by the bank due to none payment. This financial institution has committed fraud and needs to be held accountable. While the account was open and after the bank closed the account, on several occasions NFCU, without actual authority from me or any other authorized consumer with access to this account, initiated transfers that were done by a person other than the consumers authorized on the account.These unauthorized initiated transfers happened from XXXX through XXXX from my checking account XXXX into the account ending XXXX. The actual dates and amounts are as follows : XX/XX/XXXX {$200.00} ; XX/XX/XXXX {$150.00} ; XX/XX/XXXX {$11.00} ; XX/XX/XXXX {$37.00} ; XX/XX/XXXX {$54.00} ; XX/XX/XXXX {$55.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$14.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$10.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$110.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$24.00} ; XX/XX/XXXX {$60.00} ; XX/XX/XXXX {$960.00}. The total amount that was fraudulently taken from my checking account by an unauthorized electronic fund transfer is {$2200.00}. According to Electronic Funds Transfers ( Regulation E ) ; 12 CFR 1005.2 ( m ) Unauthorized electronic fund transfer Navy Federal Credit Union committed an unlawful act. According to 12 CFR 1026.12 Special credit card provisions. ( d ) Offsets by card issuer prohibited ( 1 ) General rule. A card issuer may not take any action, wither before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. They continue to cause my phone to ring harrasing, anoying and abusing anyone who happens to pick up my phone. This is a violation of Telephone Consumer Protections Act, 47 U.S. Code 227 and I want it to stop immediately. I do not agree with what has happened to me and I need someone to help me. This has caused me stress, sleepless nights especially after losing my job due to COVID and not being able to find another job. If banks can committ fraud and nothing is done about it, I do not feel safe as a consumer using banks and allowing them to have access to my personal information | ||||||
| 02/21/2016 | Yes |
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Web | Servicemember |
| VA Loan for Veteran. Mortgage loan application was submitted for credit approval only on XXXX XXXX. We asked the branch manager to submit the file to underwriting as we knew we were going to have a 30 day closing. We provided all income/assets/credit documentation. Including my XXXX form, my parole in place, Social security card. We found a house XXXX XXXX, I asked the Loan officer to please submit my application and provide the disclosures needed to start the process, the day I found out they never submitted the loan for underwriting approval, I requested for my information to be submitted as soon as possible. on XXXX XXXX I was told the only items needed for final approval/clear to close was the appraisal report and the termite report, they both came in the same day. on XXXX XXXX the processor called saying they needed a copy of my XXXX, I told her that my legal status did n't required a visa. provided the documentation my attorney gave me and asked for them to call XXXX, I was told VA had this requirement. I called VA in AZ who handles CA VA Loan approval. I was told that was n't true,, the underwriting representative told me that VA only requires for the spouses income to be stable, that VA loan was mean to help the veteran. I spoke with the branch manager and loan processing manager, I was told by them that it was a Navy Fed Credit Union. They had my file for over 40 days, my rate was locked and now I 'm they denied my loan since I cant provide this " XXXX '' that I do n't have. XXXX asked me to ask them to call them to verify the information, they would n't do anything extra to help. I feel they waste all of this time, lowered my fico score from running it so many times and now I have to look for a new lender pay a higher interest rate and fees. Should n't they have checked this before? my loan application clearly disclosed this information, I provided copies of all these docs. I asked multiple times if they needed anything else from me. Can you provide give us some advice? This seems very unfair for a applicant and up to a certain point discriminatory as I 'm allow to work in the USA, I have since I was XXXX I 'm now XXXX the close of escrow is XXXX - this house was the perfect house for my husband who is XXXX, the owner had already set up the house for a XXXX person. We do n't want to lose this house. any help will be appreciated Thank you XXXX XXXX | ||||||
| 06/03/2021 | Yes |
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Web | Servicemember |
| When i got my stimulus check it was not direct deposited. I physically took the check to the teller and advised that i wanted a XXXX deposited to cover the overdraft funds and other bills and the rest of the money was cash in hand. They just notified me a week with an email ( mind you they spam your email so who is really going to open email ) but i went through the email cleaning it out and noticed that it said they were taking XXXX from my account. I emailed them back letting them know i had no idea what this was and to please take it off because i didnt agree to any of this. A week goes by and i decide to call because there has been no response. I was advised that it was a courtesy credit for me to have my funds available immediately. This was not communicated during the transaction in person. If it was i would have told them no i dont need that because i have cash in hand and im fine. After speaking with the rep she advised there was no notes stating it was discussed or that it was added and they couldnt reverse it. I then asked for a supervisor. The supervisor i spoke with was not friendly at all. I explained to her that this is not right. I took the check knowing and willingly to cover the overdraft charges plus a little extra and the rest in cash to pay off bills. This was never discussed and replied back to the email. Her reply well you can reply back to the email. I said maam if this is the case why not put something like DO NOT REPLY like all companies do when you are not to email you back. I advised this is wrong on their end because they put something on my account without my knowledge or agreement to. The credit was not added before i made the deposit but the very next day. Why would i need the credit i have my account back in positive standings and if you did put the credit why not get your money the same day you put it on there seeing i had more than enough to cover that credit instead of sending a email a week before you are taking the money. This is not how veterans and their families are supposed to be treated, I work for the state of Tn and As a company you are to let the consumer know what is being done before it is applied. So my family is looking at it worried because this is our funds to pay bills our rent lights with 4 children and they dont care at all when this is their fault not ours. The bank is navy federal credit union. | ||||||
| 10/04/2021 | Yes |
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Web | Servicemember |
| My Navy Federal Credit Union account was hacked in XX/XX/XXXX. A {$4900.00} cash advance was taken via my Visa, and that a d other monies were taken from my checking and savings accounts. Some of the stolen money was moved to an account someone opened in my name in another bank. NFCU caught the charges and called me at home to see if I had authorized the transaction. I had not. They said it was done on a XXXX XXXX Tab from Virginia. I have never been in Virginia, have never used a mobile device for banking, and have never taken a cash advance, nor have I borrowed any money since XXXX. I told them so, and we spent two hours resetting all my accounts with them. NFCU later told me they were holding me liable for the original cash advance, as the money was sent to me, and that I had somehow profited from the theft. I appealed, but nothing was changed. I appealed again, and still no change. They started charging me interest, then took money from my checking account without my knowledge. I have always paid my account in full each month, so I owed them nothing. I told them in writing that the charge was not mine and I had no intention of paying it. The {$5000.00} balance appeared on my credit report so I disputed it with Experian. NFCU said they were investigating, but they were not. NFCU then took my entire 21-year history off my credit report -- checking, savings, credit, and investment accounts were all completely gone! Then NFCU started calling me harassing me about paying this overdue account. Every time they called, at least weekly, I told them this is not my bill and I have no intention of ever paying it. I took all the money from my checking and savings accounts so they wouldn't steal any more from me. There is an account linked to mine for someone I don't know. Money went through a clearinghouse in South Dakota, but I don't have the numbers to trace it further. If NFCU had done any sort of investigation they would have discovered all this and more ; I could not have done any of the transactions. I was at home with no internet access or cell phone service when it happened! I need my credit report information restored, the fraudulent activity purged from my accounts, and the money returned that they took. I have had no income since XXXX, and can not afford to lose what little I have. That was also my only credit card account, which I can no longer use. | ||||||
| 02/26/2021 | Yes |
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Web | Servicemember |
| Around or about XX/XX/2016 I had a credit card with Navy Federal Credit Union that was maxed out and I could no longer afford to pay the debt. I closed the account and I have since supported myself from both VA benefits and financial aid. Additionally, I have an account with this same institution that both me and my ex husband share to allow for the transfer of money to one another for the purposes of child care. That account has been the primary account that my benefits have been put into and only had {$210.00} prior to this incident. Recently on the XXXX of XXXX I received a payment from both the VA and XXXX that went to my University and my University forwarded the remaining balance to my account. The amount that the VA sent was {$5000.00} for XXXX VA benefits and the amount that XXXX sent was {$5100.00}. After the University deducted the cost of school they forwarded the remaining balance of {$5000.00} to the account on file. The next day on XXXX XXXX there was an adjustment to the account for {$3100.00} leaving only {$930.00} due to two previous transactions pending for {$1100.00}. Upon calling my financial institution I was informed that it was for the closed credit account and there was nothing they could do. The next day on the XXXX of XXXX I called again to inform them the money was both from VA benefits and government assistance and explained those funds should be exempt. I had even faxed proof of the funds origination. Neither of these calls were easy. I had to explain both my financial and personal situations to the Counselor multiple times and I was told that the funds in that account were not being used for school anyways. I explained that I dont possess a card for that account and my ex-husband uses it. They accused me of not speaking to them and I told her I had just talked to a rep who called me and it should be on file and she said that didnt matter. They proceeded to tell me after I sent proof that they would give me half back if I could commit to a payment plan and I again explained that even if I did that I couldnt pay consistently. The person I spoke to was rude, condescending and disrespectful and I dont believe she handled the situation within the bounds of the FDCPA. Furthermore I believe that the money they garnished, set off, or adjusted was exempt from them being able to do so. Now I am reaching out to CFPB to address this matter. | ||||||
| 05/22/2021 | Yes |
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| Good morning, By XX/XX/2021, my computer was infect and compromised with a malware hack program. It create a local user XXXX. With that user, the person that commit the fraud was able to get access remotely to my computer and my accounts logins credentials. He did several transactions on different platform including my Navy Federal Checking Account. Navy Federal : They login into my Navy Federal account, open the XXXX application using my Navy Federal checking account and send over a {$650.00} payment to someone I do not know. Nobody from my family or I did not made or approve this transaction. Navy Federal give me a partial refund but it was reject on the investigation process and charged back. I require a dispute action but Navy Federal also reject credit back the fraudulent charge. They said that the system show that it was made from my computer. I explain everything to Navy Federal including screenshots of the others account that were compromise and solved from others creditors. Also Navy Federal know that my account was compromised because they change my checking, saving and credit cards twice on that week. What Navy Federal say is the same information I provide as the fraudulent method used. I did not made or authorize the money transfer. It this not supposed to be covered by the FDIC insurance? Others compromised accounts and actions was : 1. XXXX : They did three trade-inn items, XXXX provide a gift card balance and they use that balance to buy XXXX codes. They quickly exchange the XXXX codes. XXXX flags those transactions and have I dispute thru my credit card company. When the credit card company review the case with XXXX, they acknowledge that was a fraudulent transaction and revert the charge from my credit card. 2. XXXX : They login into my XXXX bank account and made a transfer to XXXX stock application for {$900.00}. I was able to get it canceled by XXXX and refunded the money. 3. XXXX : They login on my XXXX account, buy games and extras codes. I contact XXXX support and they refund the money to my credit card that was on file. They see there was 6 fraudulent charge transaction. I did not buy from XXXX online store and the items that was buy did not show up as being use or on my XXXX device/account. 4. XXXX : They did a XXXX loan. I see it on my credit report. I have contact XXXX and started an investigation that still in progress. | ||||||
| 10/29/2019 | Yes |
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| On XX/XX/19 I went to the Navy Federal in Va XXXX ( NMLS XXXX ) to complete my loan application ; I gave them all of the information they needed except for a ratified contract because we were still waiting for it to be signed and finalized ; I was expecting for the application to be submitted with the property to be listed as TBA ; I took a copy of my ID, my income information, my social security card, my tax returns and copies of my bank statement. The agent took all of my information ran my credit and informed me what my rate options were, she also let me know that the loan can not go over 5 % over the life of the loan. After discussing the different rates available I decided to select the 3/5 ARM with a 3.25 % interest rate that would cost 1.25 % discount. I was given a pre-approval letter and left the bank happy. On XX/XX/19 I reached out to the LO assigned to my loan to let her know I had uploaded a few additional documents that were requested ; I also asked her to confirm that I was getting a 3.25 % interest rate at with a 1.25 % discount, the LO responded back on XX/XX/19 and it was at this time I was informed that my rate will be a 4 % with the same discount charge of 1.25 % ; I reached out to the bank and requested to speak with a supervisor who initially referred me back to my LO ; I then asked for someone above the supervisor to call me which they did ; the XXXX, XXXX, reached out to me and let me know that the information I was given was incorrect and that nothing was signed on the day I did the application so the rate was not locked ; I was also advised that my credit score did not qualify for the rate that was given to me even though the rate was discussed after my credit was ran and evaluated. After speaking to the XXXX a person from the Navy Fed call center called me and gave me the same information, she even went belittled me by asking " do you feel like you have A tier credit sir? '' She had mentioned to me that one of my scores was a XXXX and that the scores I had feel into the B tier ; after speaking to her I inquired about the LE, it was at that point I found out that the max rate can be a 9 % not 5 %. I believe as a consumer we should be given fair and accurate information and if a rate was discussed then it should be honored. .75 % is a lot of money over 30 years and to be mislead on information like this should be a serious matter. | ||||||
| 09/19/2023 | Yes |
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| Report of Unauthorized Accounts and Inquiries XXXX XXXX XX/XX/2023 To Whom It May Concern, I am writing to report several unauthorized financial activities and accounts that I recently discovered on my credit report. Upon reviewing my credit history with my XXXX XXXX credit counselor on XX/XX/XXXX, I was alarmed to find several accounts and inquiries that I did not authorize or recognize. The details of these discrepancies are as follows : Unauthorized Accounts : 1. Navy Federal Credit Union ( NAVY FCU ) - Multiple revolving accounts and an overdraft account. 2. XXXX XXXX ( XXXX XXXX ) - An open account linked to the original creditor " XXXX XXXX. '' 3. XXXX XXXX - An open account linked to the original creditor " XXXX XXXX XXXX XXXX '' 4. XXXX XXXX XXXX ( XXXX XXXX ) - An open account associated with " XXXX XXXX XXXX XXXX XXXXXXXX XXXX. '' 5. XXXX XXXX - An open account linked to the original creditor " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' Unauthorized Inquiries : 1. XXXX XXXX 2. NAVY FCU It has come to my attention that there's a particular account associated with a XXXX in Texas and a subsequent eviction. I would like to categorically state that neither my wife nor I have ever resided in Texas, let alone a XXXX. We currently own XXXX properties in Georgia, XXXX in XXXX and another in XXXX. The information suggesting that someone was living in a Texas XXXX and faced eviction is entirely foreign to us. I have never given consent, verbally or in writing, to anyone to open these accounts or make these inquiries on my behalf. I was completely unaware of these unauthorized activities until XX/XX/XXXX at XXXX pm when I spoke with my credit counselor. The integrity of my credit report is of the utmost importance, especially since I am in the process of seeking to purchase a new home. Any discrepancies or inaccuracies could have significant implications for my financial well-being and plans. I am gravely concerned that I may be a victim of identity theft or fraudulent activities. I kindly request that a thorough investigation be initiated into these unauthorized activities. I am more than willing to cooperate in any way to ensure that this matter is resolved and that the perpetrators are brought to justice. I truly appreciate your attention to this pressing matter and thank you in advance for your support and assistance. Sincerely, XXXX XXXX | ||||||
| 10/17/2018 | Yes |
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| I called NAVY Federal Credit Union customer service number to request membership as they said I was eligible for membership through my XXXX old daughter f ( as my ex-husband was retired military ( per the Navy FCU Rep ). As requested, I forwarded the requested copies of identifiable docs to start my account ( DL, car registration, etc. ). I knew I was in the market to purchase a home through Navy so until I was ready I began to have {$500.00} per check directed deposited into my new checking account. I was excited weeks ( after deposits were made to my account ) later I was officially APPROVED through Navy 's mortgage team for a 100 % home mortgage. I found the house, signed the contract, received the Navy 's approval letter, paid the seller the earnest money - and started the underwriting process. It was at the time I was instructed by Navy FCU to pay them $ {$650.00} so they could get the appraisal ordered that things went south. I paid the money to Navy, appraisal was ordered, and while waiting on the appraisal report, I was told by my Navy Load officer that she could not move forward with the loan b/c my membership was frozen and eventually CLOSED as an invalid account. I asked for at least my refund for the MONEY lost ( including appraisal fee ) since I put earnest money down and everything based on their mortgage approval letter ... I had signed a contract for a home, put earnest money down ( no refundable ) and just gave Navy {$650.00} for the appraisal and NOW they tell me after further review of my membership application, I am NO LONGER eligible for a Navy Federal membership after all. I tried to beg the Loan officer AND Manager that I am going to lose tons of money b.c THEY did not do their due diligence BEFOREHAND. I did not do anything wrong when applying as I called and spoke with a Navy Rep who completed my my application. I should at a bare minimum my appraisal fee reimbursed by Navy FCU since it is NOT my fault that they did not tell me WEEKS earlier that I was not eligible for a membership after all. Their Manager said, that they will NOT reimburse my money and also said that I am banned from being eligible for membership for Life ... Really? For Life???? What did I do to deserve that? I asked to speak with someone else to get an explanation as to why I am being treated as a criminal and they said there is no one for me to talk to .... | ||||||
| 11/21/2022 | Yes |
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Web | Older American, Servicemember |
| I am the spouse of a XXXX percent XXXX veteran and a victim of theft by XXXX XXXX transfer. On XX/XX/2022, I responded to an email message stating my XXXX XXXX subscription had been renewed and call this number to cancel the subscription and get a refund. When I called the number I was given a website to access and process my refund. When I accessed the website it allowed the person on the phone ( who said his name was XXXX ) to hack into my computer. I was told to put in the amount of the refund ( {$130.00} ) and then check my bank account to see if the money was there. When I logged into my bank account there was a balance of {$130000.00} in my checking account. XXXX said there was a glitch in the system and I needed to go to my bank ( Navy Federal ) to return has company 's money. My computer screen turned blue with a message stating " updates were being performed and do not turn your computer off ''. XXXX said that he was running a security scan to find out how the system mistakenly deposited {$130000.00} into my account and provided an account number and bank to transfer the money to : Country Name : XXXX XXXX Bank Name : XXXX Account Name : XXXX XXXX Account Number : XXXX Bank Code : XXXX XXXX XXXX : XXXX Bank Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Holders Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX phone number is XXXX I left my home and went to Navy Federal to send the money back and while I was gone he transferred {>= $1,000,000} from my savings account to my checking account and when the wire transfer was sent, I had sent my money to XXXX XXXX in XXXX XXXX. When I discovered money missing from my savings account later that evening, I contacted Navy Federal and spoke to someone in their fraud department and we file a complaint and they contacted the bank in XXXX XXXX and requested that the wire be reversed and the money returned. I have continued to call Navy Federal for a status update on my complaint and am being told that they are working on it and will let me know if they need anything else from me. I still have not received my money back or have not been give a clear answer as to whether of not the bank will refund my money. Since my money should have been insured by the bank, although they had me sign a waiver of liability before sending the wire, I think they should refund my money. | ||||||
| 11/03/2022 | Yes |
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Web | Servicemember |
| Hi, XX/XX/22 I received a check for {$10000.00} Check # XXXX XX/XX/22 I deposited the check into The Navy Federal ATM New location in XXXX MD. Address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXXlater that day I saw my accounts were all frozen. Called and could not speak to Security because they were closed until Monday. XX/XX/22 Called Navy federal Security Dept they told me I was permenantely banned and that I submitted a fraud check. Said I couldn't do nothing about it or talk to anyone else. I told them to verify with the bank and they can call the person who wrote it. They did not verify or want to. I felt attacked and penalized for no reason even if there was a typo I could of easily got a wire or it reissued. I was treated like a criminal over my money. XX/XX/22 Navy federal cashed the check and took the $ XXXX from the XXXX XXXX account and revoked all access from mobile banking. XX/XX/22 I called back to tell the Security Dept that they cashed my check and to inform them again that it wasn't fraud especially since they now have my money. I sent in an appeal letter to the bank but they wont ' get back until 15 days. I am trying to make sure they return the check asap. On the phone they told me it was fraud and that it was being retuned to sender, never said they were going to cash it and keep the money. XX/XX/22 I feel like I've been robbed. They called me accused me and lied to me, took my check and revoked my access to my money. I never had a bank do this to me even if the check had an issue it could have been a simple hold on the check until further verification. I feel profiled and like this entire process was bias. They closed my checking and savings for my personal and business accounts without even a simple phone call. I guess they couldn't trust me even with a legit business on file. I am truly heartbroken and disappointed in Navy Federal. I was transitioning my money over from XXXX to Navy Federal and they just cancelled my accounts with no hesitation. I am waiting on this money to be returned asap to I can get a new wire for my $ XXXX. So now I have no bank account and no way to get my money. Please help I have a feeling Navy Federal is going to drag this out way longer than 15 days and will play these games of " nobody has a clue '' what happened to the check. Please see my attached proof and appeal I sent in. | ||||||
| 10/23/2021 | Yes |
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| Navy Federal Credit Union is in violation of of my consumer rights only signed under Title 15 Chapter XXXX. Navy Federal Credit Union is violation of the Truth in Lending Act, and Equal Opportunity Credit Act, as I was discriminated against in regards to a consumer credit application for a used vehicle. XXXX and 15 USC 1691 states I cant be denied on an application if I exercise rights under Title 15 Chapter XXXX which is discrimination of character. I am being discriminated against for something Navy Federal Credit Union cant give me, nor can see, touch, smell, nor taste. Banks do not have the power to loan money or give out credit as they are a fictions entity. 12 USC 1431 clearly states the powers and duties of the bank, and Title 15 Chapter XXXX in no way shape or form defines the term loan or borrower therefore can not the application and myself can not be referrenced as such. Navy Federal Credit Union is denying my consumer credit application based on a credit score which is nothing but a debt calculator and have addressed their decision letter to a XXXX XXXX XXXX which is a corporation. I am in fact a natural born person, flesh, blood, and spirit under the most high and do business as XXXX XXXX, XXXX. How can Navy Federal Credit Union deny my right to my own credit when they dont even know who they are giving the credit to? I am not a dead man nor corporation, XXXX created natural persons ( living beings ) not corporations ( dead entities ). Navy Federal furnished a generic application/contract which must contain adequate and full disclosure pursuant through federal law. Every contract pertaining an automotive vehicle contains the promise that I have already given the bank or dealership the security interest for the vehicle and all pets or goods in the vehicle ; all money or goods received for the vehicle, all insurance, maintenance, service, or other contracts we finance for you ; all proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any refunds of premiums or charges from the contracts. This would secure payments of all that is owed on the contract/application. Attached is a sworn affidavit of truth which is a law binding document, that must be met with documentary evidence and a sworn statement rebutting the facts within. A cookie has been mailed to Navy Federal Credit Union XXXX XXXX. | ||||||
| 01/13/2023 | Yes |
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| NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX are depriving me of my rights and are conspiring against my rights which .they are being negligent and willingly noncompliant. I offered a conditional acceptance of any alleged debts upon a lawful proof of claim which they failed to respond to. I gave them a chance to correct their error by sending them a notice of fault : opportunity to cure which they failed to provide a lawful proof of claim as well. I then sent them a notice of default and consent to stipulation agreement to the facts in which they failed to rebut .they have violated my rights under the FDCPA, FCRA , TILA, GRAMM LEACH BLILEY ACT, the UCC , and the US CONSTITUTION.they have breached and exposed my private information and financial data .they are using XXXX XXXX to commit fraud & are attempting to swindle and oppress me .they refuse to provide me with the information they used deem the alleged debts in question as valid .they have not given me the full file disclosure I requested as described 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account both public and private. they have not provided me with any chattel papers I requested as described in UCC 9-102 ( 11 ) to deem any alleged debt valid. I was never given a full disclosure of the determination of the finance charge nor was I given a full disclosure of the determination of the annual percentage rate. They allegedly charged off the alleged debts in question, writing it off as a loss but are still attempting to collect an alleged debt. I have receipts of NAVY FEDERAL and XXXX XXXX management harassing me, my family, and even my friends with multiple phone calls sometimes more then XXXX time a day .The codes and regulations they have violated include 12 CFR 1006.6 15 USC 1692c ( b ), 12 CFR 1006.18 15 USC 1692e ( 10 ) & e ( 8 ), 12 CFR 1006.14 15 USC 1692d ( 5 ), 12 CFR 1006.22 15 USC 1692f ( 6 ) ( a ) & ( 6 ) ( b ), 12 CFR 1006.34 15 USC 1692g ( b ), 12 CFR 1006.30 ( d ) ( 1 ) 15 USC 1692i ( 1 ), 12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), 4th amendment, 5th amendment, 18 USC 241, 18 USC 242, 12 CFR 1026.4 15 USC 1605, 12 CFR 226.22 15 USC 1606, and much more. | ||||||
| 11/19/2022 | Yes |
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Web | Older American, Servicemember |
| There and underground as tagged criminal & corruption toward me veteran, and federal medical retirees and disable citizen, veteran. The company involved well known as unfair, favorable to me, etc. Claim to sold or stolen my home out of the hands of navy Federal Credit Union and title switched all unconsented for blind side and overthrow both me and the government, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, from my discovered there XXXX issue quick family it goes by the name XXXX XXXX both male and female and some children involved I'm making monthly payments on my home they sent me some documents saying it was sold and wanted to give me a token and not pay me for the property value he has a total value of {$210000.00} and they want to send me a company mug and said the home is paid off and I'm still making payments now that I get my investment out of it it appears as either white or XXXX XXXX crime towards me the XXXXXXXX male XXXXXXXX XXXX XXXX who refused to associate and have company and such a manner without information. The apartment upon your investigation I need to know the findings so I can assign a lawyer for corrective action and criminal prosecution seeking mandated and reimbursement for aggravating and harassment all over Immortals practice only at me to include wrongful Labor practice with the intent to profit off my merits and hard works earnings, their retaliation and reprisal Prejudice discrimination towards me because I handle my own business and make my judgment reduce the lack of information it was hidden the company and their family Network you've said company belittle me of my status as a XXXX citizen and a XXXX of the land of the law it appears they're looking for a movie in ready living free I refuse to roll forward on such illegal activities practice and rehearsal from that company and family the information has been blocked from the screen or the XXXX XXXX I'm here to help and assist for conviction and relief retro my address is as follows, XXXX XXXX XXXX XXXX XXXX Texas XXXX, and I am living remotely out of my vehicle because of their XXXX business help me on the flea ... I can be reachable at XXXX or e.mail both of the two.. Bills of rights involved violations out intents for harm and discomfort.. I look forward for a verbal feedback as soon as possible. XXXX XXXX XXXXXXXX, | ||||||
| 10/09/2022 | Yes |
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Web | Servicemember |
| I opened a Navy Federal Savings & Checking back in XXXX noticed in XXXX that there was a card opened under my name & some charges on my debit card that I didnt authorized as well.I spoke to numerous reps about the issues with the credit card & debit card.I sent in a police report about the issues and spoke with the credit bureaus about the credit card and it was removed from my file.I even sent the results to show the deletion of Navy Federal and I still owe XXXX XXXX.I dont understand how the bureaus deleted the Navy Federal & informed the bank about but the debt is still at the bank since XXXX.I tried reaching out to corporate about this several times.I left voicemails & I spoke to the bank & the fraud department numerous times and the debt is still there but its not on my credit report.The bank is taking {$110.00} from my account since XXXX XXXX.I had my account since XXXX, I spoke to a guy name XXXX from Navy Federal fraud dept back in mid XXXX was working with me to help me with my issues but I had to get medical attention and I lost contact with him, I tried looking back into this matter again and its still nothing resolved with this fraudulent credit card opened under my info without my knowledge & my debit card was compromised & used without my knowledge.I spoke with the bank about the credit card and the fraudulent transactions on the debit card and I was treated wrong behind my issues and I was told that the credit card that was opened fraudulently was denied when I was on the phone in XXXX with a banker and my debit card claim was denied as well afterwards.I reached out to the bank numerous times about the issues, I sent a police report since XXXX and the credit card was removed from my credit report in XXXX gave XXXX from the fraud department back in mid XXXX some numbers from my statements that shows the fraudulent charges from my debit that I have no knowledge of and XXXX advised me to go on the online banking and he sent something to me to help with my issues and wanted the bank statements with the fraud charges.I had to get medical attention and had to put that on hold I still have the statements and Im looking for closure with this with my Navy Federal account & with the credit card I have no knowledge of and the account was removed from my credit report back in XXXX due to fraud.Please help me resolve this matter.Thank you | ||||||
| 08/06/2020 | Yes |
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Web | Servicemember |
| On XX/XX/2020, I disputed unauthorized charges pertaining to my Navy Federal Credit Union debit card. I reached out to XXXX XXXX first and received this notice. XXXX XXXX Support XXXX XX/XX/2020, XXXX XXXX to me Hi XXXX, XXXX from XXXX XXXX Support here, thanks for reaching out. I know firsthand how worrying it can be to have an unexpected transaction come up and I am ready to provide you with some information about this transaction. Looking at your account, I can confirm that this {$2000.00} payment to $ XXXX is complete. Unfortunately, XXXX XXXX is unable to cancel or refund completed payments. That being said, you still have resources to help in this situation. You are well within your rights to pursue options through your bank, or to ask law enforcement for assistance in finding a resolution. If you would like to recover your funds, please send a request to the recipient : Tap the Activity tab on your XXXX XXXX home screen Select the payment in question and tap Request Refund Select a reason and tap Next to complete the request Before sending a payment in the future, we strongly recommend that you : Only send to people you know Verify the recipients name before sending Double-check the spelling of $ XXXX Double-check the recipients phone number or email for typos To learn more, please visit XXXX XXXX Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. Feel free to respond to this email if you have any further questions, I am here to help. Your Advocate, XXXX XXXX. XXXX XXXX Support ref : XXXX : ref Navy Federal issued me a provisional credit until the investigation was concluded. On XX/XX/2020. I was notified that the claim was denied, when I spoke with XXXX ( Debit Card Supervisor in Florida ) she stated that there was no evidence of Fraud. Clearly as this email is stated. I did was I was advised. Now I am out of {$2000.00}. I additionally, filed a complaint with XXXX, no response as of yet. Additionally, I emailed the following XXXX, XXXX, XXXX, XXXX, along with a complaint with the FTC. Among dealing with health issues over the past several months in the middle of a Global Pandemic, I now have to deal with the incompetence or lack their of an investigator who did not to his due diligence named ( XXXX ) which this information was provided by supervisor ( XXXX ), | ||||||
| 07/13/2023 | Yes |
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| PLEASE REFER TO COMPLAINT : XXXXXXXX XXXX Subject : Complaint against XXXX XXXX and NFCU for Violation of the Electronic Fund Transfer Act ( EFTA ) XXXX am writing to file a formal complaint against Cash App and Navy Federal Credit Union ( NFCU ) for their alleged violations of the Electronic Fund Transfer Act ( EFTA ) . I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate unauthorized electronic fund transfers ( EFTs ). According to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an unauthorized electronic fund transfer refers to a transfer initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit. In such cases, the consumer 's liability is substantially limited for the incurred loss. In the email response received from XXXX XXXX ( attached ), it is evident that they refused to acknowledge the unauthorized nature of the electronic fund transfers made to XXXX XXXX for the purchase of a vehicle. XXXX XXXX stated that they are unable to cancel, or refund completed payments and advised me to resolve the issue directly with the recipient. However, under the EFTA, the financial institution has an obligation to promptly investigate unauthorized EFTs upon receiving notice from the consumer. The financial institution may not delay the investigation or require the consumer to file a police report or contact the merchant prior to initiating their error resolution investigation. XXXX XXXX 's response appears to be in violation of the EFTA and its accompanying regulations. Their refusal to investigate and resolve the issue directly contradicts the protections afforded to consumers under the law. Furthermore, their suggestion to involve law enforcement before conducting their own investigation imposes a burdensome requirement that is not supported by the EFTA. I believe that NFCU, as the underlying financial institution that facilitated the transactions through Cash App, may also bear responsibility for potential violations of the EFTA. It is important to note that financial institutions must comply with Regulation E obligations, and any private network 's rules should not limit consumer protections beyond what is provided in the EFTA. | ||||||
| 08/30/2019 | Yes |
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| I applied for a mortgage with Navy Federal Credit Union on Monday, XX/XX/XXXX via the webpage. I also called them to ensure all the information was received. It was confirmed, and I was told that I would receive a call back in the next day. I called again Tuesday evening around XXXX asking for a status and needing the early disclosures for shopping and picking the best mortgage. I was told it still was not assigned. I reminded the member services representative that those had to be supplied within 3 days of application. She stated that was not the case and it normally took at least 3 days for the loan to even be assigned to a loan officer. On Wednesday, XX/XX/XXXX, I received an approval for another mortgage lender and just decided to proceed with them since I still have not heard from Navy Federal. I called them back the night of the XXXX and just explained that I was not going to proceed and my frustration with the entire process. Today, Friday, XX/XX/XXXX, I received a call from the loan officer wanted to confirm that I wanted the application withdrawn and explained that he still needed to send me the early disclosures. I explained my entire situation and told him that the disclosures should have already been issued based on my date of application. He explained they had 7 days to do this. This, of course, was news to me and I have researched this issue and all my research reveals they should have already been issued. Personally, I will no longer do business with Navy Federal Credit Union. As a member-owned cooperative, I expect more from them. I, however, do want to bring this to the knowledge of management as this is not fair to their members or other consumers. The entire purpose of the early disclosures is to allow consumers to shop and compare. In this case, I did not have that option with Navy Federal. I also explained to the loan officer that I was going to file this complaint as it is important for their success. Based on their webpage and how they advertise their mortgage process, it is extremely misleading for consumers to think they are going to get a speedy response and even required disclosures. The loan officer did explain they were having a lot of issues with this newly installed system. While I understand this, an organization the size of Navy Federal should be positioned not to allow violations such as this. Thank you. | ||||||
| 08/22/2018 | Yes |
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Web | Servicemember |
| The reason why I would like to file a complaint with your office is due to its relationship to my time in service. I had a direct deposit account that was established after being assigned to XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, which was located in XXXX, MD. Today, there are no records of having such an account neither in XXXX archives nor in my 201 personnel files. As well, I no longer have standard information in my civilian records. Unfortunately, this incidence would go unaddressed until XXXX. However, this letter represents my first official efforts to readdress it as a separate concern. Apparently, my personal bank account was deleted from the archives of XXXX XXXX XXXX XXXX now XXXX XXXX XXXX. XXXX XXXX XXXX XXXX investigated my concerns and found that no such account existed on record, neither on file nor in their archives. Later, as the new XXXX XXXX XXXX, the administration claims to have no records of my account, and refused to investigate my concerns further. I was told by the administration that, at times, such information often gets lost, particularly, when bank accounts are dated and abandoned. However, I contacted the XXXX XXXX and XXXX XXXX ( XXXX ) on the matter. I then requested a copy of my LES records. I was given an online account. Weeks later, my LES records were posted to my online account by XXXX. Records showed that I had an account at XXXX XXXX XXXX XXXX, at least, since XXXX. However, an administrator at the XXXX XXXX XXXX refused to address my concerns. I was then told to retain the legal aid of a lawyer. And, such efforts have been met to no avail. I believe the lost of my account is attributed to an alleged incident that occurred between XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX and myself. This incidence occurred during the latter half of my last tour of duty ( XXXX ). Dates for lost account starts at XXXX through XXXX, but needs to be addressed starting from XXXX through XXXX, totaling approximately 47 thousand. I also deposited funds into my account from civilian employment, college rebate checks, et cetera. The problem was addressed via The Inspector General Office, XXXX XXXX XXXX XXXX, and directly with the credit union. PS : I do have a copy of my Master Payroll Account Records available through snail mail for your review. Or, it can be attained directly from XXXX. | ||||||
| 10/19/2020 | Yes |
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Web | Servicemember |
| I signed up for a Basic Firearm class on XX/XX/XXXX at XXXX with XXXX XXXX however, I was not able to get off work on time and called them to reschedule the class. When I called their number, it went to voicemail and they said to text the number they provided. I went ahead and texted the number and told them that I was not able to make the class on time and that I was wanting to reschedule for another time. They texted back and said I needed to pay the remaining balance before I could reschedule. I went ahead and paid the remaining balance and asked them how could I reschedule. After I paid the remaining balance, they stopped communicating back to me even after three days. At that time I called Navy Federal Credit Union to dispute the amount since the merchant ( XXXX XXXX ) failed to render services, was not communicating back to me, or confirmed a new date. NFCU issued a temporary credit for the {$140.00} until they investigated the issue. I provided them text messages proving that I had done all I could to remain in contact with XXXX XXXX but they were simply not getting back to me once they received their money. After their investigation, NFCU sided with XXXX XXXX claiming that they were willing to render services. I requested a copy of the document that XXXX XXXX provided to NFCU and found that they said I failed to show up to the rescheduled class. They never confirmed a new class date, sent me a link, or communicated any of that to me so I had no knowledge that they rescheduled me. XXXX XXXX is about a 40 min drive from me and with Covid restrictions, I was not in any position to make the drive and risk being turned away. XXXX XXXX also stated in the document they provided to NFCU that they sent me a link to a video however, I did not receive any link and partial service was not rendered. They provided fraudulent paperwork to NFCU and even though I tried explaining this to NFCU they still removed the credit from my account claiming that XXXX XXXX was willing to render services. These were all lies and NFCU should have done a better job at investigating. Not only was this fraudulent but also unethical from NFCU. I request that they be investigated and that the evidence regarding my claim be re-evaluated by another party. Should you need additional information please feel free to contact me via email at XXXX or via phone at XXXX. | ||||||
| 11/16/2022 | Yes |
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Web | Servicemember |
| Several attempts have been made to resolve this matter. This account was apparently established in XXXX XXXX when I was XXXX in XXXX and XXXX XXXX It has continued too be reported on my credit report for the last 9-10 years. I have sent registered mail asking to validate the debt through a final demand which stated, Final demand to immediately remove all illegalTradelines before legal actions proceed under XXXX XXXX. XXXX. Registered mail was finally sent XXXX and XXXX on XXXX XX/XX/XXXX asking to Please remove from all three reporting agencies immediately. In addition, a formal request was made in the form of a formal letter -formally requesting that they validate all tradeline listings submitted to the three major credit reporting agencies by XXXX XXXX XXXX XXXX for me under account numbers XXXX and that Due to possible inaccuracies in these credit reports, I demand that they hereby validate the request in the form of a verified statement by a person with original knowledge of the debt, who can testify under oath that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have beenpayable or reported. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. This is the third and final request to correct, any attempt to subrogate this letter or processes consults malice intent and will be reported as fraudulent and misleading. Within 30 days of this notice, ( no replies were given by competent person ) nor was there any answers to these demands or the associated negative tradelines notations removed from the credit reports. These actions are contraindicate evidence of their intent to abridge one or more civil rights. They have Continued unsubstantiated reporting of possible inaccuracies to third parties which now provide a basis for formal complaints being filed pursuant to federal statute. The time frame as elapsed and i have been adversely and financially impacted with false reporting of tradelines and believe this was also reported as a profit and loss tax deduction. Thank you in advance for your anticipated cooperation. | ||||||
| 08/21/2023 | Yes |
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Web | |
| I have experienced a great level of distress from dealing with Navy Federal. It is deeply concerning that two accounts was opened using my personal and business information without my consent. Understanding the severity of the matter, I promptly contacted the authorities, obtained a police report, and reached out to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for assistance, the BBB, Attorney Generals office, mycreditunion.gov. However, despite all my efforts, Navy Federal has displayed an alarming lack of cooperation by refusing to remove the accounts from my records. The repercussions of this fraudulent account have greatly impacted various aspects of my life. I have been unable to secure job promotions and endured great embarrassment from management. I haven't been able to purchase a home due to the tarnished credit caused by this unauthorized account. I pay a higher interest rate even with superb credit history. Seeking resolution, I reached out to Navy Federal directly, informing them that I had never opened an account with them. However, their response was far from satisfactory. They asked about any emails that could confirm the account, and when my personal email accounts didn't yield results, I provided them with an email associated with my former business called XXXX XXXX XXXX. the email was a free general mailbox for customer complaints and vendors. Astonishingly, this email turned out to be the correct one, indicating that someone had accessed and misused my personal and business information. To my dismay, the representative informed me that there was nothing she could do to assist me, alluding to the numerous complaints I had previously filed. And suggesting the email was verification of debt. Adding insult to injury, she abruptly hung up on me and reset the account for another seven years, prolonging the impact on my credit even though it was due to expire soon. Given the gravity of these events and the negligence displayed by Navy Federal, I urgently seek help in having this fraudulent account removed from every credit file I possess. It is imperative for me to move on with my life and regain the financial stability that has been unjustly compromised. It is my hope that those in a position to rectify this situation will recognize the urgent need for immediate action. | ||||||
| 03/27/2022 | Yes |
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Web | Servicemember |
| IRT CFPB Complaint # XXXX. CONTINUED DISCRIMINATION & BIAS. On Thursday XX/XX/2022 and again on SATURDAY XX/XX/2022 at approximately XXXX PM, I received notification that Navy Federal sent concerning revised loan documents that required my signature. These documents and the message was sent from my new loan officer, XXXX XXXX. These documents also contained some information that has never been discussed with or between myself, XXXX XXXX, or even the former loan officer XXXX. Additionally, I have no idea who Ms.Biles is, I have never spoken to her, I have never been told to expect a phone call or an email from her, and I have no idea why Navy Federal is deciding to forward yet again 100+ pages of documents to me without having anyone contact me to at least explain what it is theyre sending or include what has been discussed in the documents. Under no circumstances should Navy Federal be filling out documents on my behalf without first speaking to me. But what struck me as most interesting, is that these documents had an increased rate ( that is not advertised anywhere on the Navy Federal Credit Union site ) for the loan itself. In an effort to continue to cover up their previous perceived discrimination, it appears NCFU is applying a rate increase to my application. Again, THEY filled out the application without discussing or disclosing with me ANYTHING to include a rate increase prior to forwarding to me to sign. We could try to attribute this increase due to the conference held by the Federal Reserve, but with these rates being very different than what is advertised on their website, yet the previous rate was not, I find this to be another only highly suspicious but a continuation of previous biases. Again, I do not accept that a company of this size, that has outstanding customer service in so many other areas, continues to have subpar customer service in this one department and it reaches the span of almost every employee. As NFCU continues to look into this matter, hopefully we can gain insight as to what happened here and why customers, namely me, are attempted to be gouged and penalized for a mistake THEY made if this is truly not a continuation of discrimination. Lastly, in an effort to actually be done with this situation, one way or another, XXXX XXXX was forwarded the same resolution standards previously sent. | ||||||
| 04/02/2021 | Yes |
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| On XX/XX/XXXX I was preapproved for a mortgage loan with Navy Federal Credit Union. I was told all my documents were good they didnt see any issues. On XX/XX/XXXX I was conditionally approved. The house was inspected and appraised. I was just waiting for the title to come back. XXXX XXXX XXXX was my mortgage processor. I reached out to her multiple times to confirm all the documents submitted were good. She confirmed I didnt need any additional information. I was given a closing date of XX/XX/XXXX. That day came we still had no title. XXXX then stated she didnt realize that I was a XXXX and I was self employed. From the beginning I made them aware that Im a XXXX XXXX and I get XXXX. I have weekly paystubs but my income is not taxed. On XX/XX/XXXX, XXXX ask me to submit updated paystubs, profit and loss sheet and show proof of 6 months payment reserved. All my documentation was complete and sent in. She stated everything looked good and I should be closing Thursday XXXX no later than Friday XXXX. I called XX/XX/XXXX to follow up on the process and XXXX stated that I was denied and she couldnt give me details I would hear something in the mail within 10 day. The process is over. I need to reapply with a co-signer. How did I get this far with all the same documentation to be denied. Where was the ball dropped. How did they not realize I was self employed. I reached out to her supervisor XXXX XXXX who stated that processors arent trained to give explanations and that my loan was denied because my self employed income was not enough. They couldnt factor in my income from my w2 because I no longer worked that job I was solely self employed. I dont understand how I got this far without anyone realizing I was solely self employed. I reiterated it multiple times and everything I stated was disregarded. Im packed up. I opted out of my lease because I had a closing date and I kept being told all my documentation was fine. I just want answers. Someone needs to be held accountable. No one provided any empathy it was more or less oh well you were denied. How is it that i can pay {$1300.00} in rent without one late payment for 2 years but I cant get a mortgage approval. My credit has increased. I paid off more debt and even one of my car loans just to guarantee approval to still be denied the week I was suppose to close. This is outrageous. | ||||||
| 11/30/2023 | Yes |
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| Navy Federal XXXX XXXX Currently On-time late payment XX/XX/2022 {$2500.00} Limit [ - Currently On-time ] Navy Federal XXXX XXXX XXXX XXXX {$8500.00} Limit [ Navy Federal XXXX - Currently Late ] To Whom It May Concern : I recently received a copy of my [ XXXX, XXXX, or XXXX XXXX credit report and identified transactions posted on my credit report related to my Navy Federal Credit Union accounts that appear to be in violation of federal laws governing consumer reports. Late Payments : XXXX. Navy Federal XXXX XXXX : Currently On-time, XX/XX/2022 {$2500.00} Limit XXXX. Navy Federal XXXX XXXX : Currently Late, {$8500.00} Limit Your company is in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX Compliance, constituting a reporting violation under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include : ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates reported transactions from both credit card accounts to my consumer report. Section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) explicitly states that transactions between the consumer and the person/corporation making the report are not to be included in consumer reports. Your reporting of this information to my consumer reports is a clear violation of XXXX compliance. I request the XXXX compliance disclosure regarding reporting transactions to a consumer reporting agency. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of XXXX compliance. I demand the transactions reported on [ insert late payment date/s here ] to be deleted from my consumer reports immediately. I want to be clear that I am not asking for validation or verification. Do not respond with requests for validation, as it is not my intention to engage in such a process. Furthermore, under 15 USC 1666b ( a ) : ( a ) TIME TO MAKE PAYMENTS : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I insist that the above transactions be deleted from my consumer reports promptly. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX | ||||||
| 09/19/2023 | Yes |
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Web | Older American |
| I attempted to open an account with Navy Federal Credit Union online. My daughter is an XXXX XXXX XXXX and an account holder. My other daughter had opened an account online without any problem. I filled out all of the information requested, but received an email message that I needed to submit additional information before I could open an account. I was not told why this was the case, but Navy Federal gave a list of documents that I could submit. I selected to submit my Driver 's License and my vehicle registration. I submitted those a pdf documents from our office copier and my computer. I use these tools daily to submit pdf documents to governmental and private parties as part of my law practice, so I know there is no problem with our equipment. Navy Federal wrote back and said that the documents were too blurry and asked me to resubmit them. This time, I took photographs of the documents and sent them as jpeg files. Navy Federal wrote back and said that the documents were too blurry and asked me to resubmit them. This time, I made hard copies of the documents and mailed them to Navy Federal 's XXXX XXXX XXXX. Again, Navy Federal wrote back by email stating that the documents were too blurry. I have contacted Navy Federal by telephone with my last phone call being with " XXXX XXXX ( last name withheld ), supervisor in the " Resolutions Department ''. The only suggestion that XXXX gave me was to reapply and send the documents again. This was not a good faith opportunity because my sending the documents again would only result in another message stating that the documents were too blurry. I asked to speak to someone at Navy Federal and allow me to send my documents to them directly to confirm that they are not blurry. This was not permitted. I have no remedy in this case. Continuing to reapply and receive messages that the documents I am submitting are too blurry, when in fact they are not, will not result in a different outcome. I still do not understand, and it has never been shared with me why I needed to submit additional documents when my daughter was able to open an account online without trouble and without submitting additional documents. If Navy Federal is going to require the submission of additional documents Navy Federal should have the necessary equipment and personnel to review these documents accurately. | ||||||
| 04/22/2021 | Yes |
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Web | |
| XXXX of XXXX, XXXX XXXX XXXX ( XXXX ) withdrew XXXX dollars from my account for no service provided as of yet. My email was spammed with phishing emails and no valid numbers or emails. These were to be credited back to account After an email was provided included invalid emails sent through a portal not controlled by XXXX. They did not credit my account instead they continued to keep withdrawin another XXXX dollars using my debit card without my authorization. I had to have a new debit card re-issued. This was a trial run using XXXX. A dispute was issued and monies were credited returned to my account by Navy Federal Credit Union ( NFCU ). Several request were made to have copies of merchant response sent to me so I could respond. This information was witheld from me to-date no merchant response received. This bought the attention of the dispute department and appeals or cco resolution. Navy Federal Credit Union allow theft of my funds from account through use of my debit card by XXXX. No proof was not shown that leads were valid and that an investigation insued for the return of my funds. Instead an email was sent they Will release funds merchant on XX/XX/XXXX. Even after I provide all the supporting documents in my favor and possession to NFCU XXXX RESOLUTION but they denied my dispute and denied my an appeal. As well as allowed someone named XXXX And XXXX XXXX to open a savings account using my address. After bringing this to accounting fraud department attention I got an email they were returning funds to XXXX. This put my account in the negative and I had 'to take from a personal joint account to cover my payroll to my XXXX XXXX. I will report this IRS to transparent about my business account. Also this XXXX was reported to Federal Trade Commission for deceptive trade practices and fraud emails phishing spamming and theft of my money using my debit card unauthorized during a trial period of less than 30 days and withdraw after account closure requested with 30 day period for Since opening my business account it has been pristine and well maintained and managed. {$560.00} and {$84.00} must be redeposited to my account because of unauthorized amounts. My account was cancelled within 30days due to poor customer service and failure to credit back account for invalid emails and unauthorized debit from my account. | ||||||
| 03/17/2020 | Yes |
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Web | |
| In XX/XX/XXXX I called Navy Federal Credit Union for assistance I was no longer able to pay my bills due to being diagnosed with XXXX and losing my job. They at that time gave me a lower interest rate on both the credits cards with them one ending in # XXXX and the other one # XXXX for what I thought was for 24 months cutting the minimum payments down to half. The one ending # XXXX was {$79.00} a month and the other one ending in # XXXX was like {$55.00}. In XX/XX/XXXX I went to pay the minimum per usual and noticed that the minimum monthly payments doubled card ending in # XXXX was {$150.00} and the other one ending in # XXXX went up to {$99.00}. I still made the minimum payment that I usually make the {$79.00} and the $ XXXX.I called Navy Federal Credit Union on XX/XX/XXXX to see why the increase happened at that time I was told my deferral had expired. I explained my situation and explained that those payments was too steep. They told me to go to navyfederal/pfi. I immediately submitted the application. I kept messing calls from Navy Federal during the day being a XXXX XXXX XXXX. I finally call and get someone and request that I be contacted after XXXX XXXX CST, however my rep was still reaching out even after that. I believe it was XX/XX/XXXX I finally spoke to my rep and she set up the deferment for 12 months on both my credit cards and my car loan. She said I don't have to pay nothing on my card ending in # XXXX and my car loan until XXXX and my card ending in # XXXX had to be paid on XX/XX/XXXX of {$50.00}. Now I was excited some of the pressure is received. Since that my credit score has dropped I had 2 alerts that Navy Federal is reporting me 30 days late. Called in and spoke to 3 different supervisor to say that they didn't mark me late to one saying just dispute it. Please look at the fact that I wasn't irresponsible that I tried to clear the matter up before it was too late. On top of that I paid on time consistently up until the minimum payment went up. They customer service is horrible all they reps act like you're less than because you can't pay your bills. I need for my score not to be effected so I can get another car. I currently pay a car note on a car that keeps breaking down on me. With the 50 points that my credit score just plummet I can get a wad of gum on credit. Please review the attachments. | ||||||
| 09/15/2021 | Yes |
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Web | Servicemember |
| Navy fed has me in a pandemic program but the mortgage department still has me in foreclosure inwhic I can't get my check for my insurance claim. Navy will not give me my money back for a fraudulent check inwhich 4 people in the branch have said the signature is not mine and brity on the phone has also said it was not mine. The check was written to XXXX XXXX and they have said the signature in to mine and I have never written a check to myself only for deposit to XXXX XXXX never my so and I gave Navy fed a copy of all checks I have written but they are still saying I wrote them and cashed them in MN well MN is XXXX XXXX processing center not a back and showed them proff that in was in SC on that date. XXXX XXXX wants to give me the money back but that will over draw me so I said no. They may have to give e it back to Mr to investigate. Navy fed sold my Rental property before they told me that the denied my lost mitigation. They said my XXXX a month was not enough to pay my 400 monthly payment even know I had XXXX in the bank I which I was told that was to be considered. I asked XXXX and XXXX asked how much to pay to catch up but was never told. I was told by lawyer don't worry I have ten days to appeal and the paper did also but when I did I was told what are you appealing we already sold your property. Ok law said I had ten days and their paper work said the same but nothing. They stopped my lost medagation twice because they said it was empty but no one ever went out to check and I was told by XXXX a Manger of lost medagation that is how the check. The second time I told them over the phone and sent a letter. I could not do I quick sell or file bankruptcy because there was no time after the answer because again it was sold on XX/XX/XXXX and I got the letter XX/XX/XXXX and XXXX sent them proff of when I got the letter and again no on did anything. XXXX told a lot of things were done wrong and she would start an Investigation and one person called and nothing. I kept calling XXXX back and never got her again she was in a meeting at lunch and not in so I started calling her boss and got the same thing so I just gave up. Lost medagation screwed me twice the house is empty and don't have enough mountly in come even though I have XXXX in my account which was enough to get me present but no one would till me how much. | ||||||
| 08/31/2023 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union is not compliant with 12 CFR 1024.35 ( d ), which states, Acknowledgment of receipt. Within five days ( excluding legal public holidays, Saturdays, and Sundays ) of a servicer receiving a notice of error from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the notice of error. On the evening of XX/XX/, I sent an error notification email to executive-level personnel at Navy Federal Credit Union , including the President/CEO, all members of the Board of Directors, all members of the supervisory committee, Chief Compliance Officer, Vice President of Operations and others, as it applied to multiple errors over the past year. The Error Notification Email is attached, which provides all entities that the email that was sent ( *Please note, no email undeliverable message was returned, meaning each email recipient address was a valid email address ) and the information regarding error notification provided to Navy Federal Credit Union by their consumer. There was no written response acknowledging receipt of the notice of error. I would like to add that the notice was received by Navy Federal, as two voicemails were left on my phone and an email after the two voicemails that stated, I am reaching out about your recent experience with our Assumption team. I was hoping to get the opportunity to discuss this further with you at your earliest convenience. I can be reached at ( XXXX ) XXXX. As a consumer, this email does not provide any appearance as a written acknowledgment regarding a notice of error. The maximum required time of five days has been exceeded, and Navy Federal Credit Union has blatantly disregarded the procedural requirements for responding to written information requests or complaints of errors to consumers. This continues to be a trend. 12 CFR 1024.35 ( e ) is the legal requirement that directs Navy Federal Credit Unions response to notice of error. The time limit requirement in 12 CFR 1024.35 ( e ) ( 3 ) ( i ) ( C ) is 30 days, which must be complied with no later than the close of business on XX/XX/, including the response to the notification of error as directed in 12 CFR 1024.35 ( e ), or it will result in another action of noncompliance of laws, rules, regulations, etc. that the consumer has encountered for over a year. | ||||||
| 09/12/2015 | Yes |
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Web | |
| My husband passed away on XXXX XXXX, 2015. In XXXX of 2015, I contacted Navy Federal Credit Union to inform them of his death. He had a credit card with them. I asked what I should do about the account. They told me that since I was an Authorized User that I was responsible for the account and if I chose to keep the account open that I could. So, I chose to keep the account open. I have used the account for six months, and payed over {$20000.00} in balances. I have spoke to them on several occasions for the last six months when they froze the account, saying it was suspicious activity. I would call them, tell them yes that I made those charges and they would unfreeze the account. Never a word was mention to me about the account was going to be closed. I tried to use my card today and it was declined. When I got home from work, I called NFCU and asked them to unfreeze my account. It was at this time, I was told the account had been closed. I asked by whom, and they told me and I quote, " Well, there was someone else on this account ''. My reply was yes, my deceased husband. I was then informed because my husband had passed away, that because I was only an Authorized User, that I was not liable for this account. After being told that I was when I called and told them of my husband 's passing. They waited until I had paid the credit card down to almost nothing and with no notification or reasoning why, they closed the account. So, in other words, because I was only an Authorized User, they lied to me when I told them my husband had passed and told me I was liable, and after paying pretty much the entire balance off, they closed the account. My late husband and I have had this account for at least twenty three years. It was my only credit card. It was my emergency credit card. They should not be allowed to do this to people. They should have been upfront from the beginning and tell me, no I was n't liable for it. Instead they chose to lie and take over {$20000.00} XXXX that I could have desperately used somewhere else ) from a grieving widow. My husband served this country and I served this country, and this was completely wrong. Thank you in advance for any assistance that you can help me with this. They should n't be allowed to get away with this. i did what I thought I was supposed to do, but they lied and stole. | ||||||
| 11/27/2023 | Yes |
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| Last summer in XXXX ( I dont have the exact day ) I made a payment of roughly {$800.00} to Navy Federal for my credit card which was intended to bring the card current after being behind on payments. The money was available in my account and the payment was confirmed, then it was returned back to my Navy federal checking account. Because the payment was sent back, it did not register my account as current anymore. In the subsequent months, the card continued to accrue late months and the card was closed. I was unaware of the card closure until XXXX when I checked my credit report. I stopped making payments again because I didnt know what to do when a card is closed. I was under the assumption that I could no longer make payments on the card. Ive called numerous times about having the card reinstated as it was an error that led to the closure. Ive also asked if at the very least, navy would remove the late payments, but Im always advised that navy does not do this although Ive seen them do it for others. Im currently under some type of repayment assistance and paying down the balance, but because the card was closed, I can not use it. Theyve also reported the cards {$10000.00} limit to the credit bureau so it is registering as I have XXXX available credit for this XXXX card but over XXXX in debt so my utilization has increased to 900 % and my score has taken a XXXX point hit. Ive sent a certified letter to them in regards to the late payments at the very least & requested for my card to be reinstated numerous times over the past year since the late payments are due to some sort of system generated error after payment processing. I am 100 % sure the funds to make the payment were available in the account and the reason for closure was the late payment that eventually led to the account being past due XXXX days. Ive inquired about reinstatement numerous times but Im always told Navy doesnt reinstate cards unless it was their error. This is an instance where it was their error. Either way, I have to pay the balance down, but with late fees, interest and the original principle usage, it will take time to pay it down. My credit score is in shambles because of what the closure did to my utilization. Navy has been an amazing bank to me and I want to mend this but this credit card mix up has taken quite the toll on me. | ||||||
| 11/10/2022 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2022, while living in XXXX XXXX, NC, after having been displaced from our home on XXXX XXXX, by XXXX XXXX, we were the victims of a sim card swap scam which allowed individuals to access our Navy Federal Credit Union XXXX XXXXt and regular everyday checking accounts via our NFCU app on our XXXX. They transferred {$18000.00} from our trust account to our regular checking account. They then went to the NFCU branch at XXXX, Washington, and withdrew {$8000.00} from our account. Then they went to the branch at XXXX XXXX, WA, and withdrew {$9000.00} more dollars from our account and purchased a {$8500.00} cashiers check using funds from the account as well. When they tried to cash the check at the XXXX XXXX, WA, branch it was confiscated. When we were first notified of the pending transfer of {$18000.00} between our XXXX accounts, we advised the NFCU that we were not responsible for that transaction and started the claim process with the NFCU fraud department, or so we thought. Over the next week we talked to any number of fraud department agents about the fraudulent transactions. Our checking accounts were closed and new accounts opened with the adjoining debit cards being changed out. The NFCU ensured us our funds would eventually be restored. We filed a criminal complaint with the XXXX XXXX Police Department, reported the incident to the Federal Trade Commission, and notified our XXXX XXXX about the identity theft. The funds from the cashiers check were never restored to our account. In order for us to file a claim with XXXX, they needed documentation that reflected the fraudulent transactions, but since the accounts were closed, we were no longer able to access the bank statements. We have requested those statements from NFCU but have yet to receive them in the near XXXX weeks since the request was made. On XX/XX/XXXX, we called NFCU to check on the status of our claim and was advised we needed to fill out a form to begin the claim nearly a month after we first notified them of the occurrence!! As stated before, we discussed this information with any number of fraud department agents for nearly a week and no one mentioned a form needing to be filled out. We have done business with the NFCU for thirty-two years and expected a problem of this magnitude to be handled professionally and in a timely manner. | ||||||
| 08/21/2021 | Yes |
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Web | |
| This letter is regarding account # XXXX, which you claim my account has 2 late payments. Please update this account to CURRENT AND PAID on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). I am a XXXX XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX | ||||||
| 02/21/2023 | Yes |
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| Navy federal, XXXX and XXXX all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 3 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. Account Number XXXX XXXX Navy Federal Credit Union Date of First Delinquency IS MISSING Creditor Classification IS MISSING Navy Federal also states that they closed my account which isn't true. I asked them to close my account. It makes me look unworthy of credit when it states untruth as they state. LATE PAYMENTS ARE INCORRECT because I don't have a DOFD to even start where the late payments begin. Please Remove late payments and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency. | ||||||
| 09/28/2023 | Yes |
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| As a member of Navy Federal Credit Union, I have been advised on several occasions that NFCU is a non-profit organization. After reviewing my credit card agreement disclosure, I learned that I granted NFCU security interest on my accounts and determined that was not beneficial to me. On XX/XX/2023 I sent request for old securities/ right to rescission XXXX XXXX via registered mail # RF XXXX XXXX XXXX Additionally, I sent the same notice to Navy Federal Credit Union legal department certified mail # XXXX, which were delivered on XX/XX/2023. It is my understanding that my request to NFCU is valid in accordance to 12 USC 1026.15 Right of rescission. ( a ) Consumer 's right to rescind. ( i ) Except as provided in paragraph ( a ) ( XXXX ) ( ii ) of this section, in a credit plan in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind : each credit extension made under the plan ; the plan when the plan is opened ; a security interest when added or increased to secure an existing plan ; and the increase when a credit limit on the plan is increased. Furthermore, it states effects of rescission. ( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void, and the consumer shall not be liable for any amount, including any finance charge. ( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. As of today 's date, I have not received any correspondences or communication to remedy this situation. My account has been notated, so it is my belief that NFCU lack of action is both willful and intentional. While I only wish to recover what I contractially obligated to, I will pursue criminal and civil remedies to hold NFCU accountable if necessary. Please note : CFPB # XXXX, a separate matter, is still open/ pending company response. I spoke with XXXX XXXX on XX/XX/2023 regarding NFCUs indentured trustee/trustee, I requested that phone call be followed up in writing in which has not. | ||||||
| 04/19/2023 | Yes |
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| There was fraudulent activity made on my credit card. NFCU the banking institution who I got the card through removed the activity. I continued to pay on the card but I noticed they put the debt back on the card. Not only that I won a judgment in court on the card for XXXX. I was going to pay it to NFCU but I saw on my credit report that the monthly payments that I had been making was not posted. I called NFC and tried to get some understanding about the situation and they kept hanging up in my face, even when I called back to get info on making the payments they still hung up in my face. I don't know where my money went that I walked into the NFCU and paid I went to the XXXX, TX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I went the XXXX, Texas location last week. I spoke with the bank XXXX about these issues and she stated that she noticed a jump in the card balance from a lesser amount to a higher amount. She also state that she doesn't know how it happened. I started to take notes on my phone and I repeated everything she was saying as she read it off the computer to me. She noticed me taking notes and asking question so she stop speaking. I asked her for a printout of my transaction history she printed me out a copies of my bank statements and supposedly copies of the credit card transaction. I took the transitions home and I went through them all and there was a lot of information missing from the bank account statements that I used to have there and there was no credit card information printed on any of the statements. Both folders of statements was the same copy of each other over and over again from statements that were months that had nothing to do with what I was looking for. I am totally disgusted at this point.There was a jump from XXXX because that's all that I owed on the card to XXXX to XXXX I was shocked because the XXXX that I was going to pay would have me owing just XXXX. Which I could have paid off with ease. NFCU told me no one could make transactions on the card but the amount continued to increase. My credit report shows past due and no payment. I attached the few times it showed where I made payments but where are the rest of the payments that I made on the card?? They are no where to be found. This is fustrating because it's showing the account 90 days past do and more. | ||||||
| 02/06/2021 | Yes |
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| Hello, my name is XXXX XXXX. On XX/XX/XXXX, I deposited {$25.00} into my Navy Federal DEBIT account. When I woke up on XX/XX/XXXX, my deposit of {$25.00} was completely gone. I immediately called Navy Federal ( at XXXX XXXX XXXX and XXXX picked up my call. I explained to him that I deposited {$25.00} in my account last night and when I woke up it was gone. XXXX rudely said to me " Since you are delinquent on your credit card we went into your debit account and pulled out the money for your payment since you never responded to us. '' This is a BIG LIE. Navy Federal watched my account and waited until money was in there to make an UNAUTHORIZED payment towards an alleged debt. I have literally been going back and forth and disputing with Navy Federal since XX/XX/XXXX. I disputed the validity of this alleged debt and still have no outcomes. On my Navy Federal app it literally says : " NOTICE : Your account information is being provided for informational purposes only. Providing you this information is NOT an attempt to collect a debt. '' What was done to me was not only illegal but also unethical and was a result of unfair and deceitful practices. How can you take my money out of my account because I allegedly owed money on a completely SEPARATE account? I am beyond livid ; this is deceitful practices and behaviors. Navy Federal has been deceitful and is now trying to tell me that in my contract I signed off on Navy Federal taking my money from my debit account to feed my " delinquent '' credit card account. I need help on this one of MANY problems from Navy Federal. Navy Federal is injuring my Consumer Rights and I will NOT allow this. I need relief. Under the FDCPA I am a federally protected Consumer. At one point I loved Navy Federal until I saw that they were Frauds. 15 USC 1601 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 USC1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 15 USC 1692 ( f ) Unfair practices | ||||||
| 11/04/2016 | Yes |
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| Navy Federal CU from XX/XX/2015 through now continues to take the stance that my checking account was ovedrawn by {$4000.00} as a result of returned ach deposits. This is 100 % not true. I have the documentation as well as statements from the other bank ( s ) involved that substantiate this. In addition, the issue was further exasperated by the fact that they blocked internet access to my account which meant I could not monitor the situation as it developed and that I did n't know that they cancelled my mortgage payment. In a prior response from NFCU they reference XXXX ach w/d. There were XXXX. Nonetheless, the issue comes down to this- Over the course of several months, I initiated XXXX ach payments, and I have proof that XXXX were paid from the other institutions. After diligent and painstaking research on my part, I have come to understand how NFCU made the mistake. When I made the payment on NF website, they would credit my account for it. If the other institutions said after that the payment was no good, they would remove that from my NF account which makes total sense. In several cases, the othe bank would retry the payment ( that originally was reported as no good to NF ) and successfully complete the transfer. When that happened it would be taken out of my other bank account yet NF would never give me credit in my account for that amount. Again, I did not realize this for quite some time since i was not able to log into the account. I assumed I was getting proper credit. To illustrate what I mean, please consider the following example- I have a balance in my NF account of {$2000.00}. I make a deposit on NF website for {$1000.00}. They credit me and my balance becomes {$3000.00}. A day or so later the other bank where the ach was being pulled from tells NF that the payment was not succesfull so NF takes that {$1000.00} from my balance and it goes back to {$2000.00}. Several times however, the other bank tried to send the money again to NF ( same request that they denied before ) and it was succesfull. In that case, Navy should credit my account back the {$1000.00} but they did n't for whatever reason. The net result my NF account was never credited back {$4000.00} from payments that were initially denied but then paid. Further, the was blocked and a mortgage payment cancelled unbeknownst to me. | ||||||
| 04/12/2016 | Yes |
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Web | Servicemember |
| During our closing of our house via a VA Assumption Loan ( # XXXX ) with Navy Federal Credit Union, we the XXXX 's ( sellers ) were misinformed of the meaning of escrow documents. This misinformation was the explanation of why we did not receive the remainder of our escrow upon closing. I have e-mail documentation of this misinformation between our Loan Officer XXXX XXXX as well as NFCU has notes in their system from the calls I made. In addition once we figured through this particular issue, we were informed by XXXX XXXX ( XXXX 's Supervisor ) that we did not have any money in escrow. Upon investigation we discovered that somehow XXXX XXXX XXXX after the XXXX 's ( buyers ) requested a quote sent a request for payment to Navy Federal on XX/XX/XXXX. Even though at the time the account was already paid up in our name, Navy Federal still issued a payment of {$1000.00} from our account. A payment that took our escrow account to a $ XXXX. This was flagged by Navy Federal and a letter was sent to me asking for verification. I called and explained everything on XX/XX/XXXX and was told the payment was a bulk payment and a refund would be requested. Somehow this was not done and now XXXX XXXX does not want to issue a refund unless XXXX XXXX submits a written request. So my main issue is and I can not understand how ; 1. XXXX XXXX was even issued this payment without first talking to the members who own the account, 2. How XXXX XXXX is able to not refund money that was not for any active policy or validation of account ; and 3. Why the XXXX 's and XXXX 's as members have to figure out how to fix XXXX Institutions mistakes instead of the XXXX Institutions saying we will take care of it and just informing us of actions taken along the way. So, once this payment is finally refunded then we have to battle the fact that it will be refunded back to the Escrow account which due to the assumption loan is now in the XXXX 's name. The Escrow account balance before the payment that XXXX XXXX deducted was {$750.00}, our refund of our XXXX XXXX is $ XXXX some change, which is headed back to the Escrow account. Again do to the assumption loan the escrow account is not in our ( XXXX 's ) name. How do we get this almost {$1300.00} back to us the XXXX 's? The XXXX 's and XXXX 's agree and are openly communicating about this. | ||||||
| 02/19/2022 | Yes |
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| I XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. Please provide the written instructions that I, the consumer gave to NAVY FEDERAL CREDIT UNION which has authorized these furnished accounts. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account NAVY FCU XXXX, XXXX, XXXX XXXX XXXX XXXX - XXXX must be deleted from all consumer reporting agencies immediately. This is my written instruction to opt-out of credit reporting for this account. If my instruction to opt-out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. | ||||||
| 08/30/2023 | Yes |
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| On XX/XX/2023 I applied and gave NAVY FEDERAL CREDIT UNION an application. I, the consumer Was denied credit by NAVY FEDERAL CREDIT UNION when I applied for an auto loan. On XX/XX/2023 for used vehicle of the amount of {$70000.00} which the vehicle is now {$65000.00} that I need to earn a living and provide for my XXXX kids. Thats also why I wanted a nice reliable vehicle with room for my XXXX kids. I was not given equal credit opportunity. So if someone with a better credit report or standard gets approved and I didnt that is discrimination thats not equal credit opportunity. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. They are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by NAVY FEDERAL CREDIT UNION due to the response I received. NAVY FEDERAL CREDIT UNION is in violation of 15 U.S. code 1642. U.S.C 1681m and 12 CFR 1002 because I, the consumer Made an application in good faith. But credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NAVY FEDERAL CREDIT UNION And damages have been done such as to my consumer report, Mental anguish to myself and my kids, I can not go to point A to B to earn a living and have hindered me to be able to go to store to provide for my babies. Regulation B protects applicants from discrimination in any aspect of a credit transaction. Credit transactions and aspects of credit transactions include : Consumer credit Business credit Mortgage loans Refinancing Open-end credit Credit applications Standards of creditworthiness Denial of credit Servicing and collection Revocation, alteration, or termination of credit The regulation covers topics such as : Discrimination Discouragement Notification of action taken ( including adverse action ) Appraisal and other written valuations Special purpose credit programs Limitation on collection certain protected information Self-testing and self-correction Evaluation of applications Signature requirements Mandatory information collection for monitoring purposes | ||||||
| 04/03/2023 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX began debiting my credit card account in XXXX of XXXX for {$420.00} each month, continuing through XX/XX/XXXX. I never gave on-line or written permission for this. In fact, I never signed up for XXXX XXXX. I have called XXXX ( phone # XXXX ) numerous times, including on : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. When I called on XX/XX/XXXX I waited on hold for over XXXX hours. I could hear the employees in the background laughing at me. I have been told by them many times that someone would call me back. No one ever has. Last time I called, I was connected with the department that handles corporate accounts. I was told they possibly got my account number from an insurance policy had over 7 years ago through my employer, XXXX XXXX XXXX XXXX XXXX. I have asked them repeatedly to send me any verification that I signed up for XXXX XXXX XXXX, or any verification that I gave them permission to debit my credit card. I have never received anything from XXXX. I finally put a stop payment in through the Navy Federal Credit Union credit card XXXX in XXXX. The payment still went through. When I called Navy Federal I was told that the government and certain large companies can over-ride a hold. I filed fraud claims for every month that the money was taken out. Navy Federal asked for more information. On XX/XX/XXXX I sent Navy Federal over XXXX pages of documentation, including statements and records of calls I had with XXXX. I asked if they had contacted XXXX to ask for any verification I had given authorizing a debit to my credit card. They continued to ask me for more information. I told them I don't have any more information NOT giving permission for my credit card to be charged. Ultimately I was told by Navy Federal that all they can do is ask the insurance company to return my money. I was also told that they do not any authorization to allow an insurance company to take money out of my credit card. Is this true? I would not expect proof of written or on-line authorization for something like a meal purchase or a moderate one-time purchase but I hope there is some safeguard against monthly unauthorized purchases of over {$400.00}. I am appalled and scared to think that a company can use my credit card without my permission. I have more documentation if needed. | ||||||
| 08/11/2023 | Yes |
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Web | Servicemember |
| In XX/XX/2023 I became aware of a credit reporting agency called XXXX XXXX Services, that was monitoring my bank transactions. I never verbally consented to the use of this information. Per 15 U.S. Code 6801 ( a ) Privacy obligation policy ; It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXXXXXX XXXX XXXX XXXX XXXX and Navy Federal Credit Union are financial institutions that have not honored this obligation by releasing transaction history to XXXX XXXX XXXXXXXX XXXX According to 15 U.S. Code 6802 ( a ) Notice requirements ; Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. None of these companies informed me of my right to exercise the option for nondisclosure. In accordance with 15 U.S. Code 1681C ( a ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account information shared with XXXX XXXX XXXX is an adverse item that is being reported without my permission. This constitutes a violation of the law. In Accordance with 15 U.S. Code 1681n - Civil liability for willful noncompliance ; In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. In accordance with 12CFR 1016.7 ( h ) A consumer may exercise the right to opt out at any time. I am now opting out of reporting services from XXXX XXXX XXXX. I am now opting out of any reporting services from Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX | ||||||
| 07/31/2019 | Yes |
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| On XX/XX/2019, my son XXXX XXXX and I applied for a {$20000.00} loan on a car to which he already had clear and unencumbered title, to liquidate that equity for unrelated purposes. On a single phone call, a loan officer for Navy Federal Credit Union took both of our social security numbers as well as the VIN for the car we were pledging as collateral, and with our permission accessed our credit reports. She did NOT disclose to us, however, before accessing them, that the loan 's final approval would be conditioned upon her obtaining a " XXXX '' for the vehicle which did not indicate ANY faults, issues, negative history, or problems. She determined we were qualified for the loan, sent an email to me containing a hyperlink to a web page which she indicated would allow me/us to e-sign a promissory note and/or other relevant documents to fund it, and asked me if I would like to pick up the check in a branch or have it mailed to me. I indicated the latter, and the call ended soon thereafter. Within 30 minutes, we called back to ask a question about the loan ( whether it might be possible to increase its size, since the original requested amount was {$10000.00} less than {$30000.00} the maximum amount the loan officer disclosed to us that the vehicle 's {$27000.00} value would support, per their lending guidelines. On that call, we were told that the loan 's approval had been rescinded because of a " red triangle '' on the XXXX they had obtained, indicating that the car had, nearly two years ago, sustained " structural '' damage. NOTE : " Structural damage '' does not in any way equate to a branded, salvage, or otherwise less-than-clear title. I would also note that a similar product we purchased before buying the vehicle less than a month ago, " XXXX '' indicated NO such negative information. So, my son 's and my credit reports now contain " hard '' pulls because this institution sought and obtained our permission to access them under the false/fraudulent pretense that, if our credit and income was sufficient, we would be ( and IN FACT WE WERE ) APPROVED for this loan. They chose to more deeply research the collateral we were pledging, which can not suffer harm as a result of such research, only AFTER deeply researching us as borrowers, damaging both of our credit ratings in the process! | ||||||
| 04/21/2021 | Yes |
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Web | Servicemember |
| In XXXX of XXXX, I called Navy Federal Credit Union to discuss options for refinancing my home through them. After about a XXXX minute conversation, I supplied the necessary information for the application and was told I would be contacted shortly. Nearly XXXX days later, I contacted the bank to check the status since I never received a a response and was told I had no application. After some searching, the rep located my original application but it was never submitted as complete so I had to complete the application from the beginning. After this I was told I would receive documents to sign in the mail. After a couple weeks with no documents, I contacted Navy Federal Credit Union and was told my window to sign had expired. They sent electronic signatures but never notified me. After requesting new documents sent they still never arrived. I ended up signing electronic documents after requesting a third time. In XXXX of XXXX after not hearing any news and not being able to contact my mortgage processor, I was finally informed I was transfered to a new processor. This involved re-verifying all my in refinance. In XXXX of XXXX I supplied XXXX 's, bank statements and credit reports for myself and my XXXX. A few weeks later I received the first documents to review but the information such as interest rates was not what was promised. I sent it back and informed of the correct information. XXXX I received another electronic form, this time with the correct information and promptly returned it completed. After another couple weeks with no contact I was finally informed that my documents containing sensitive information had expired and would need more current versions. Most important of those being a XXXX credit history report and moving my closing date yet again. Upon speaking to a supervisor, we agreed on a lower rate for my troubles. Once again, the incorrect information was used and needed correcting. Now, XXXX days until the projected closing, Navy Federal Credit Union is requesting a XXXX credit check and possibly moving the date due to their negligence. Any attempt to contact my processor is met with resistance and leaving a message generates more excuses than it does responses. I have tried to be patient but they are making lasting negative effects on people 's financial and mental wellbeing. | ||||||
| 06/18/2020 | Yes |
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| Navy Federal has been the company that services my mortgages. ( Now it is only one ) I suffered a XXXX XXXX XXXX that rendered me XXXX XXXX and required assistance to be able to make payments on my mortgage and credit cards. The credit card was settled after two months of being late for a lump sum as I explained and was willing to provide my medical history. The decision was to work out a lump sum settlement for the credit card that I had for many years. The creditor advised me that for the payment that I made it would be seen as a good gesture as they had all my financial information and knew of my hardship. The company said I would be able to open a secured card after 12 months and keeping up to date on my mortgage that the company did perform a restructuring of the loan. At the end of XXXX I spoke to a representative about getting a secured credit card and made a deposit of {$5000.00} so that I could re-establish a relationship with the bank. They advised me that a secured credit card would be approved based on the fact that it was with my own money that would provide the credit and there was no risk to the company. I had one month where I needed to delay the payment of the mortgage due to COVID and they told me that it would not negatively impact me. I have paid them back and now up to date as I only did it as my income was delayed and impacted due to the pandemic. Navy Federal misrepresented the fact that the card would be established by using that I had a previous negotiated settlement with them. This was contrary to what was explained as they advised me that Navy Federal provides their members a second chance. This was a frustrating call as they did find the notes that stated that I made a call before I made a {$5000.00} deposit for the secured credit card. My goal is to establish a card and relationship with Navy Federal for the chance of having a mortgage with them if I were to move the future. I feel that the actions that they took were not only unethical but contrary to their promise to me. The company is unethical in their behavior and want them to follow through with their promise along with the truth about me to have a potential for a mortgage. ( I do not want to be told something that is not only wrong but against a policy that they have for any of the programs they offer ) | ||||||
| 04/20/2020 | Yes |
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Web | Older American |
| In XX/XX/XXXX I received two unsolicited Navy Federal Credit Union Visa credit cards. I have never at any time had contact with Navy Federal Credit Union for any reason. In XX/XX/XXXX I received a letter indicating that a checking account and a savings account had also been opened in my name. I called Navy Federal, filed a fraud report ( attached ) and was told that the issue would be resolved and the accounts removed from my credit report. Navy Federal informed me that nothing had ever been charged to the credit cards, a nd no checks had been written on the checking account. In XXXX of XXXX I checked my credit report and the credit card was still showing, with a balance of roughly {$12.00}, and a note that payment was over 30 days late. It had a very deleterious effect on my credit score. I called Navy Federal again and tried to work through this issue again. It seems that Navy Federal had charged the {$10.00} to the credit card account to expedite shipment of the credit cards I never applied for to me. Today, XX/XX/XXXX, I received two collections letters from Navy Federal dated XX/XX/XXXX and XX/XX/XXXX. One informed me that this fraudulent account was now 60 days past due and that it was an attempt to collect {$12.00}. The other informed me that because I had failed this debt I never contracted or incurred, my credit card interest rate was being escalated. Navy Federal has, since XXXX, been supposed to provide me with documentation that this issue has been resolved. Other than these fraudulent dunning notices, I have received no communication from them at all. I have requested copies of all communications, internal and external relating to me and these fraudulent accounts, and been given nothing at all. I requested that all record of me be removed from Navy Federal 's system, including name address, and all identifying numbers and been stonewalled on this as well. Navy Federal has behaved recklessly in allowing these accounts to be created without verifying the identity of the person requesting them. They behaved incompetently in addressing what is a purely internal problem. I have been treated from beginning to end as if I were the problem and it is clear that their business convenience is far more important than redressing injuries their carelessness causes innocent parties. | ||||||
| 05/06/2021 | Yes |
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Web | Servicemember |
| I placed my FHA mortgage on forbearance in XX/XX/2020 while it was still current as we are XXXX and had major financial setbacks due to XXXX. Navy Federal Credit Union has consistently added interest and LATE fee 's and reported those amounts to the credit bureaus which has effectively made my credit scores go much lower. It appears that I am over my credit " limit '' on my mortgage account over {$4000.00}. I also am aware that NFCU has suspended doing FHA loans at all so I feel like this is a way to eliminate existing FHA loan customers. I recently requested to come out of forbearance last week and have heard nothing from NFCU until last night when my account was placed on restriction due to having a delinquent debt ( mortgage ) and have attached screen shots showing that. I also had to answer questions last night about my mortgage before I could do anything else or access any other checking accounts confirming the amount that was now due ( {$4200.00} ) and how I intended on paying that balance and nothing about a stand alone claim which I thought I had applied for. Access to my mortgage online is and has been restricted for quite some time. I was then informed that I needed to contact them to seek other options as my past due amount from forbearance was due by the end of the month giving me 2-3 weeks. I also inquired this morning to 2 representatives on the phone as to why my account privileges were restricted now and no one I spoke to could answer that question. I am being treated like I have done something wrong. Additionally, I applied for a secured credit card that was recommended after being pre qualified for a credit card and had several hard pulls on my credit report only to be denied because I was delinquent on my mortgage! I just checked my credit score and because I have done everything I could to offset the negative additions to my loan balance by NFCU, it is now up to XXXX. I thought NFCU was trying to help its members financially when all they have done is try and punish me even though i have never been late on any of my loan accounts since being a member. If I can not get this resolved I will start contacting some legal resources and have them assist me since this should not be happening to those of us who have had XXXX and have struggled with this pandemic for over a year. | ||||||
| 08/16/2023 | Yes |
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| on XX/XX/XXXX upon trying to purschase a Automobile from an independent dealer, I was giving a link by the dealer to leave a deposit of {$500.00}. Shortly after the deposit a series of Unathorized XXXX payments where debited from my Navy Federal Credit Union XXXX account. made to the same dealer I made the {$500.00} deposit to. I contacted XXXX and the Seller. The seller assured me he would fix it and that he had issues with this in the past. He never did and I never bought that car. It was a whole scam. I called XXXX and opended a fraud claim and discpute. They never did anything for me and I am dealing with this again on this. the transactions are as follows : XX/XX/XXXX {$500.00} ( authorized deposit ) XX/XX/XXXX {$1500.00} ( NOT authorized ) XX/XX/XXXX {$1000.00} ( NOT authorized ) XX/XX/XXXX {$1000.00} ( NOT authorized ) and XX/XX/XXXX {$500.00} ( NOT authorized ). Total unathourized charges total {$4000.00}!! I never KNOWINGLY made these payments listed in my complaint attached with EXCEPTION to only XXXX of them ( {$500.00} made on XX/XX/XXXX ). Again The {$500.00} was for a down payment for an automobile purchase thru an independent car dealer that scammed me. I never ended up buying that car. So therefore, THAT charge of {$500.00} I DID make and I own up to that loss. However, as mentioned. after I paid via XXXX thru a link he provided me my XXXX Checking account was accessed without my authorization or knowledge and these erratic zelle payments were made without my consent! Again, The ONLY valid charge should be the {$500.00} XXXX payment to XXXX XXXX on XX/XX/XXXX. The rest of the payments made to that person were done without my authorization! I was account hacked let alone phished into this sale of a car that was grossly misrepresented and did not drive! These charges should and must be reversed and credited back to my account! This is a HUGE loss for me and my family. I have XXXX small children ( now XXXX old and a XXXX XXXX XXXX XXXX to take care of! NAVY FED Not getting my money back based on these circumstanced and facts provided made it clear to me this may be a violation of REG E that protects me! Regardless if XXXX has a no charge back policy. My filing is for UNAUTHORIZED ACCESS and UNAUTHORIZED Payments made without my knowledge! Please help me get my money back. | ||||||
| 08/02/2023 | Yes |
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Web | Servicemember |
| REF : Property at XXXX XXXX XXXX XXXX, XXXX Florida XXXX. Appraised at {$720000.00} Subject : Urgent Matter Regarding Navy Federal Credit Union 's Failure to Disclose Home Purchase Loan Requirements and Harm Caused to a XXXX Veteran Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health and spirits. I am writing to bring to your attention a distressing matter involving Navy Federal Credit Union ( NFCU ) and the difficulties I have faced in securing a home purchase loan as a XXXX veteran. As a veteran with a XXXX % XXXX, I have always been proud to have served my country and equally grateful for the benefits that have been provided to support my well-being. Having recently decided to purchase a home, I believed that obtaining a home purchase loan from Navy Federal Credit Union, an institution widely recognized for its commitment to veterans, would be the most suitable option. My experience with Navy Federal Credit Union began with enthusiasm, but unfortunately, it took a frustrating turn due to their failure to disclose all the necessary requirements for the home purchase loan in a timely fashion. During the loan application process, I was not fully informed of specific documentation and other critical that were required for funding approval. As a result, the loan process was unnecessarily delayed, causing severe harm and distress. The undue delay in funding my home purchase had several significant adverse consequences : 1. Emotional Distress : The constant uncertainty and XXXX caused by the delayed loan approval severely impacted my emotional well-being, exacerbating the challenges faced due to my XXXX. 2. Financial Strain : The delay in funding disrupted the entire home buying process and led to additional costs, including extension fees for the closing period and increased interest rates, which further strained my financial resources. 3. Lost Opportunities : Due to the delay, I missed out on other potential home purchase opportunities and experienced further financial and emotional distress trying to identify new suitable properties. 4. Impact on Family : My family 's living situation was adversely affected due to the prolonged uncertainty, leading to increased stress and instability. Sincerely, XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX | ||||||
| 11/24/2017 | Yes |
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| To whom this concerns, Navy Federal credit union allowed my Aunt whom lives with me now, and shares the same phone number as me to apply for a credit card. She added me as an authorized user on the card. The Navy Federal Credit union, applied the card in my name sent it to my home. Along with their disclosure and agreement. Also posted this to my online access account and, let me activate the card that is in my own name. Following activation, i am not allowed to use the card i find out that it is blocked by the security department after initializing the chat function with their Card Services department. The agent in the chat then tells me to call in and speak on behalf of the account. Per their terms and agreement which is not clearly defined. Authorized users may call and discuss the account in which they are authorized to speak on, or are a authorized user of. When i called to speak on the account the agent was very rude and said that even though my Aunt. Which is the card holder, is in the hospital there is nothing they can do about it. They have to speak to her. I then advised them of their terms and agreement which is the card agreement i received with the card which clearly authorizes me to speak on behalf of the account since it is posted to my online access as well as the card in my name. The Manager at that time tells me that i am correct and he will research it. He comes back on the line and clarifies that i did not apply for the account. I said no i did n't. He then ask what is my relation to the primary holder, I said that 's my aunt. He then tells me hold again. Comes back on the line after another 15 minutes and his tone totally changed. He then tells me now the account is not fully established now, and that i am not authorized to speak further from now on. That he is going to go ahead and tell me to have my aunt call. He then advises me if i would like to close my membership. I said no, but why do your terms and conditions say that i can speak on behalf of the account. He said then at that time, i am going to hang up i do n't have to answer your questions further. So now i am reaching out to the CFPB supplying the terms and agreement below which clearly define the agreement. I will also attach the card number in which is in my name as well. Please help resolve this. | ||||||
| 08/07/2019 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union was processing an application to refinance my home loan. They are withdrawing my application due to the credit report expiration and an issue with debt to income per a voicemail I received XX/XX/XXXX. I submitted my loan application on XX/XX/XXXX. The company did not process my application in a timely manner and therefore the application is being withdrawn. I attempted making contact during this process by phone, voicemail, emails, and secure messaging on their site. Recently, I have left 2 voicemails on XX/XX/XXXX and XX/XX/XXXX in attempt to get more information about them withdrawing the application but no one has responded. I called and tried to get through 3 times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent emails from my XXXX account ( a total of 28 messages traded from XX/XX/XXXX to XX/XX/XXXX ) many of which went unanswered for weeks on end. These emails went to : XXXX XXXX Mortgage Processor | Mortgage Lending Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX, FL | XXXX NMLS # XXXX Email XXXX Phone : ( XXXX ) XXXX Extension : XXXX Fax : ( XXXX ) XXXX NavyFederal.org I also sent secure messages through their site that were never addressed ( XX/XX/XXXX, and XX/XX/XXXX ). I have spent at least {$800.00} so far on appraisal fees, credit reports, and termite inspections. I was supposed to be refinanced with Navy Federal Credit Union for a 15 year VA home loan at 3.5 % for XXXX. My current loan resides with XXXX XXXX ( balance approximately {$57000.00} ) and I have never been behind on payments ( this loan is a convention 30 year with an adjustable rate which I have been saddled with since XX/XX/XXXX ). My home also currently appraised at {$130000.00}. After I got off XXXX XXXX with the XXXX, I received a XXXX rating of XXXX XXXX through the VA which also exempts me from paying some of the loan fees. I got off XXXX XXXX XX/XX/XXXX and preceded to go to school while staying home with my children. I then was able to find employment with XXXX XXXX XXXX on XX/XX/XXXX and presently still work there. I hope I have given all the pertinent information and look forward to finding a resolution to my complaint. Thank you for your time. XXXX XXXX cell XXXX, my employer XXXX XXXX XXXX.XXXX My address is : XXXX XXXX XXXX XXXX XXXX, NE XXXX | ||||||
| 10/24/2016 | Yes |
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| Someone within Navy Federal Credit Union has been allowing unauthorized individuals to access my personal accounts. These persons have no judgments or liens but persisted to access my account within their security department. This has harmed my credit worthiness and it also almost put a strain on my finances as the individuals in the " back office '' as they call it were pretending to be my account manager and disabling my accounts, manipulating transactions so they take out funds too soon, or not soon enough. Sometimes even posting transactions days later or posting {$1.00} transactions when it really is a {$40.00} transaction. They even teamed up with XXXX XXXX after XXXX XXXX withdrew {$2000.00} without my consent and without my authorization to my mothers account whom I was n't a signer on and neither was she a signer on my accounts. This caused a huge banking error that took two months to clear up at which time the funds were finally placed in the Navy Federal account. Navy Federal has never been as traditional banks and do these types of deceptive business banking practices which leads me to believe that their security team has been breached and my credit and account information was being compromised. They refused to allow me to place funds in my account via mobile banking when it was very imperative that I deposit these funds. They allowed a fraudulent garnishment to be placed on my account for a year before the company requested them to remove it. Navy Federal has failed to be an adequate bank as I have had the account since 2002. This bank seems predatory and unfair in their business practices. I requested the name of the person who claimed to be " my account manager '' as they put it, and placed a permanent no mobile deposit on this account, all because of XXXX error. This bank allowed security breaches and at times I felt I was speaking to people who had criminal records. They mysteriously claimed to check my credit and no judgement was there yet a garnishment mysteriously showed up on my account at which time as stated before it was removed. They claimed also that I had a money market account that charged off with a XXXX balance and for no reason. I believe they were doing what XXXX XXXX was doing and XXXX XXXX. Conducting fraudulence while not letting me utilize my account. | ||||||
| 10/27/2022 | Yes |
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| NAVY FEDERAL IS REPORTING AN ACCOUNT BALANCE IN ACCURATE DUE TO FRAUD CHARGES BEING MADE ON THIS ACCOUNT. I HAVE NEVER BEEN 30 DAYS LATE. I REPORTED THE FRAUDULENT CHARGES TO NAVY IMMEDIATELY. BILLING ERRORS DUE TO FRAUD. I HAVE NEVER RECEIVE ANY LATE NOTICE OR BILL FOR XXXX PAYMENT. I COULD NOT HAVE BEEN LATE, I HAVE MY CREDIT CARD AUTO PAY ON. I MADE A PAYMENT. I DONT HAVE ANY LATE CHARGES OR FEES. I WAS TOLD XX/XX/2022 WILL NOT REPORT LATE, INVES, I AM NOT RESPONSIBLE FOR FRAUD CHARGES OR FRAUDULENT BALANCE. PLEASE DELETE AND REMOVE XXXX DAY LATE PAYMENT AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THIS IS A BILLING ERROR DUE TO IDENTITY THEFT. I ASK YOU TO UPDATE MY CREDIT REPORT TO THE CREDIT BUREAUS XXXX, XXXX AND XXXX IMMEDIATELY 15 US CODE 1666 - CORRECTION OF BILLING ERRORS 15 USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORTS In accordance with the Fair Credit Reporting act NAVY FCU has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am a natural person, I am a living human being, I have the rights under 15 USC 1681 NAVY FCU is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15USC 1681 : I have the rights to privacy and did not give NAVY FCU written permission to furnish these accounts. | ||||||
| 02/21/2018 | Yes |
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Web | Servicemember |
| On XX/XX/ I submitted an online bill payment to XXXX XXXX XXXX XXXX in the amount of {$400.00} from my Navy Federal account, just I had done many time previously. I selected their Rush Delivery option since I was a few days away from my due date. After few days, I was contacted by XXXX and they informed me that they had not received my payment. I immediately followed up with NFCU and was told that they would investigate, since from their end, the payment was showing that it was sent. My first contact with NFCU was on XX/XX/ through their online message center. I have since spoken with them by phone on 7-8 occasions and once in person at the branch, in addition to numerous communication via the online message center. I have been referred to XXXX XXXX, have been told to contact XXXX and ask to be patient, all of which I have done. XXXX stated they have no record of the payment being processed, although past payments have made it successfully. In ever case where I spoke with NFCU I was told that they would contact me in XXXX hours and to date I have not received one phone call from them, I have had to initiate every communication. My last conversation with them was yesterday afternoon, XX/XX/XXXX and was once again told that the issue was being escalated and they would contact me when there was a resolution. I told them that I wanted a phone call before the end of the day and the money deposited back to my account, or applied to my car loan at XXXX before the end of the day. They stated that they would call one way or the other. I did not receive a phone call, but instead a generic message in the online message center with the same verbiage as the other 10 messages that have not resulted in any resolution. I am requesting that an investigation be opened into the deceptive and illegal practices of NFCU, my money be returned to me ( {$400.00} ) along with {$65.00} in late fees that I have incurred, and the {$5.00} fee that they charged me to send the payment " Rush Delivery ''. I would also like to know what remedy I have for the countless hours that I have spent tracking down a what has happened to my money that I entrusted NFCU with, and which I no longer have, nor does my the company that was attempting t pay. I can be reached by phone at ( XXXX ) XXXX Email - XXXX XXXX | ||||||
| 05/11/2023 | Yes |
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Web | Servicemember |
| It would have been my preference to share this story directly with NFCU 's XXXX XXXX, however, they do not publish contact information for that committee and customer service declines to share it with me. I have had issues with payments to my XXXX XXXX from XXXX XXXX being delivered late by NFCU 's bill payment vendor, XXXX. When scheduled, those payments indicate electronic delivery. For reasons nobody at NFCU, XXXX XXXX, or XXXX can explain, approximately five days prior to the date I schedule, the payment is converted to a check and sent via XXXX. These conversions have caused my last two payments to arrive late, which has cost me hundreds of dollars in finance charges I would not have otherwise paid, and subjected my XXXX XXXX account to other adverse action. NFCU disclaimers ownership of this problem and sends me to XXXX. XXXX is aggressively unhelpful, they can not tell me why the payments are converted, and they refuse to do make me whole on the finance charges I have paid. They cap their damages at {$50.00} and my losses ( direct and indirect ) are greater than that. In addition, when the payment is converted, I receive an e-mail saying the funds can be withdrawn from my account prior to the date I originally authorized. I believe this is a probable Regulation E violation, to pull money from a consumer 's account earlier than they authorize, but I can not find anyone at NFCU willing to listen to this concern much less act on it. I am willing to share these e-mails with XXXX and CFPB if that is helpful. Most of these issues are with XXXX, my complaint here regarding NFCU is that they are unwilling to meaningfully help with an issue that is directly attributable to a vendor they selected. I did not select XXXX, they did, and I'm not XXXX 's customer, NFCU is. In my only prior occasion where I had issue with a bill payment vendor my financial institution at the time handled it for me, they did not pass the buck to the outside vendor. NFCU is further unwilling to provide me with contact information for the XXXX XXXX, with whom I would like to share this story, including the possible Regulation E violations, in hopes that they could address them at a higher level with XXXX and failing success from that find another bill payment vendor for the XXXX XXXX 's membership. | ||||||
| 12/18/2020 | Yes |
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Web | Servicemember |
| On XX/XX/18 at about XXXX. I attempted to send {$130.00} from my Navy Federal Credit Union checking account to an individual located in the XXXX XXXX electronically. After verifying my identity to two different individuals, bank personnel in the wire transfer department started asking me a bunch of personal questions about what the money was for and how I had met the person. While I realize there are a bunch of online schemes out there ( romance, get rich quick ) and could understand a bank employee being required to inform me about them, to mandating that I disclose personal details about my relationship with anyone is a violation of my privacy and an overreach of their authority. After reluctantly answering her questions. She requested to send me a confirmation code via phone. I requested this to be done by email, just like I have done ever since two party verification was mandated by the bank. I was informed that it had to be done via phone for some undisclosed reason. Again if I can use this method for my everyday banking needs and to send unlimited moneys from my account to anyone I want, why is it that I have to do anything via phone for a wire transfer. After reluctantly providing this information to the banker and verifying the code I was then informed that she could not perform the transfer for me and that I had to follow the very same procedure that doing this phone verification procedure was supposed to avoid. She stated I had to file a written request first electronically and the someone would contact me about it via phone. As I'm sure that your agency is aware of, telemarketing and phone scams are the number one threat to consumer privacy and financial security in this country. Myself and many like me combat this by not giving anyone, anymore information than they need to accomplish their job. This would also include phone numbers. Every company out there will tell you they don't sell phone numbers and they won't market to you. Then they call you under the vise of some other XXXX or give it to one of the dozens of their affiliates so they can can hound you. The simple fact of the matter is the more people/companies you give your phone number to the more scammers and marketers will call you and the more likely your are to become a victim of fraud or ID theft. | ||||||
| 09/17/2020 | Yes |
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Web | Servicemember |
| On XX/XX/2020, I applied online for a Cash Out Refinance Loan from Navy Federal Credit Union ( NFCU ) and was required to fee for the credit check. Based on their product offering pages and application it seemed like NFCU offered this type of loan, so I completed the application and paid the required fee. A few days later, the loan officer from NFCU ( XXXX XXXX ) informed me that NFCU does not offer this product and was going to withdraw my application. After our conversation, I realized I should have asked for a refund since the product was not offered. This product seemed like it was and I won't have applied if it was not available.I attempted to contact loan officer multiple times after - through email and phone, but she didn't not return any of my messages. A few weeks later, I spoke to another representative ( I didn't get name ) that told me she was processing the return payment and that it will take a few business days. I waited over a week and nothing was returned/credited to my account, so I called in again. I spoke to another phone representative, who told me nothing had been processed and they need to get authorization from loan officer. The representative told me they can not get a hold of my loan officer, so I should call back and ask to speak to them directly. I called back a few days later to ask for a supervisor, but they weren't available, so I was given 2 names ( XXXX XXXX and another but I can't find my notes ) and the rep asked either of these supervisors to call me asap. About 2 days later ( XX/XX/XXXX ), I called back to speak to one of the supervisor to get an update on refund, and spoke to her. XXXX said she was going to process the refund and that I would see the amount in my account in a few business days, but may take a little longer since it was a holiday weekend. On XX/XX/XXXX, I checked my account and still did not see the refund, so I called back. I left XXXX a voice message asking for her to return my call so I could get an update. I didn't receive a call from her, so on XX/XX/XXXX, I called back to get an update, but she was not in the office. The phone represenative did confirm the application does give the option for a Cash out Refinance loan on investment properties, but NFCU does not offer them. I am submitting another complaint with NFCU. | ||||||
| 08/16/2022 | Yes |
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| On XX/XX/2022 at XXXXXXXX XXXX I reserved a vehicle from XXXX XXXX XXXX for XX/XX/2022 - XX/XX/2022, picking the vehicle up at XXXX, XXXX On XX/XX/2022 at XXXXXXXX XXXX I modified the reservation to pick up the vehicle at the XXXX XXXX XXXX XXXX I received a confirmation for the modification. On XX/XX/2022 at XXXXXXXX XXXX XXXX sent me a confirmation email claiming " We look forward to seeing you today at XXXX XXXX. We've confirmed your reservation number, XXXX, and we have your car waiting for XX/XX/2022 XXXXXXXX XXXX pickup. ". At the time this email was sent I was on a flight coming into the XXXX XXXX. When I arrived at the XXXX counter the agent claimed my rental had been canceled and the location was overbooked. After showing the agent my reservation and confirmation he decided to give me a one day rental and told me to call the main office. On XX/XX/2022 I called the main office and an agent said she had rectified the situation. I asked if I needed to bring the vehicle I had back and the agent said no, return the vehicle on XX/XX/2022. On XX/XX/2022 I returned the vehicle and was billed the correct amount of {$590.00}. On XX/XX/2022 I was charged an additional {$810.00}. I filed a dispute with Navy Federal Credit Union and my initial claim was denied. I tried several times to call the XXXX XXXX XXXX XXXX, however I was rerouted to the main call center. Every agent I spoke to said the charges looked incorrect, but the XXXX XXXX branch had to take care of the issue. At that point I did not know exactly what the XXXX XXXX was claiming was the problem. I appealed Navy Federal Credit Union 's findings hoping to get more information concerning their investigation. Today, I received their response and the stated, " As stated before, we've already provided the final folio/invoice from the merchant, which we obtained indirectly from the merchant 's website using your own documentation you provided us showing your rental information. You're free to access the merchant 's website to do the same and obtain the same information we did. ". Basically, they made a decision without even speaking to the vendor. I have all my documentation, sent from XXXX XXXX XXXX, showing I should have a {$590.00} charge. The additional {$810.00} is fraudulent. Please help. Thank you in advance. | ||||||
| 05/24/2022 | Yes |
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| Navy Federal Credit Union, Recently responded to a past complaint. In the Complaint I advised my bankruptcy was discharged and I would like to reestablish membership. The company advised I could reestablish membership if I was so eligible, and at that time I could reapply for credit when my profile meets the requirements of their lending guidelines, and If I have reestablished my credit. I was able to reestablish my membership but, It took me contacting the fraud department, and removing the cease and decist letter. After doing so I tried applying for a credit card, I was immediately declined. The application did not pull my credit, and when I sent in a message asking why Navy Federals response was that because my bankruptcy is discharged they are not trying to collect a debt but that I would NEVER be eligible for lending products going forward as that is against their lending criteria unless I pay back the debt. Which I will not be doing so because I am not obligated to pay the debt back as the circumstances of the bankruptcy was because of Identity Theft. Navy Federal also stated because I caused Navy Federal a loss underwriting guidelines do not ever allow for me to apply for new credit with the credit union. This is different then what I was previously sent in a letter on company letter head in the last complaint response, I would like to re establish my credit but Navy Federal still show 's these account 's in their system as Charged off, Bad debt. These account 's are NOT collectible. These are discharged account 's in the bankruptcy court. I feel like this is a bit of discrimination since, they are basically saying because I was a victim of ID Theft, and because of my bankruptcy I will never be lendable again according to Navy Federal and I will never be allowed to apply for products within th e c redit union. Lastly when I tried applying for something it showed an authorized user on my account I could add to the application? I don't know who that person is so that was pretty strange also. The previous share that was tied to these account 's discharged was also included in Bankruptcy and has been discharged so the cross collateralization of navy federal has been discharged. Therefore I am starting fresh and would like to be able to reestablish my credit fresh. | ||||||
| 11/04/2023 | Yes |
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| To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report late payments on my closed and charged-off account. This action infringes upon my rights under the FCRA laws and demands immediate rectification to comply with legal standards. Navy Federal Credit Union 's ongoing reporting of late payments post-closure and charge-off of the account directly contravenes the FCRA laws, particularly Sections 623 and 605. Under Section 623, it is mandatory that the information reported by creditors to consumer reporting agencies is accurate, complete, and updated. The continuous reporting of late payments after the account closure violates these stipulations. Moreover, Section 605 requires accurate reporting of the account status, and the reporting of late payments on a closed and charged-off account is misleading and inaccurate. Furthermore, the issuance of a 1099-C form signifies that the debt was charged off and written off, thus releasing me from the obligation of repayment and making me tax liable for the discharged debt. Under the FCRA laws, this discharge of debt should be reflected in the credit report accurately. Navy Federal Credit Union 's reporting of an inaccurate balance post-charge off constitutes a violation of the FCRA, specifically Section 605. In light of the aforementioned violations, I demand that Navy Federal Credit Union take immediate corrective actions in compliance with the FCRA. This includes : 1. Ceasing the reporting of inaccurate information on my credit report, specifically late payments on a closed and charged-off account. 2. Stopping the reporting of an amount owed that is no longer valid due to the charge-off and issuance of the 1099-C. 3. Either reporting an accurate {$0.00} balance or removing the accounts completely from my credit report in line with FCRA regulations. Failure to comply with these requests will compel me to escalate this matter to the appropriate regulatory authorities to ensure adherence to the FCRA laws. I expect a prompt response acknowledging receipt of this complaint and detailing the steps Navy Federal Credit Union will take to rectify the inaccuracies on my credit report. Sincerely, XXXX XXXX | ||||||
| 01/28/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX my account was hacked and has been restricted since then. After speaking with the security department, I was told that someone was able to access my funds by knowing confidential information that only Navy Federal Credit Union employees has knowledge of ( I.E. code name, online banking username/password, debit/credit card info ). I was instructed to complete a Fraud/Forgery form and return it ASAP. The document was sent to NFCU on XX/XX/XXXX but they did not " receive '' it until XX/XX/XXXX. Absurd. I was told that it could take up to 10 business days before receiving my funds. Each time XXXX contact NFCU and request to speak with a supervisor, there are none available. No one is able to provide me with any updates with my account, and it is going on nearly a month since this situation has transpired. I need my funds released to me immediately. It is unfair that I have to be in a financial bind for WEEKS due to lack of security within this company! My bills are past due, and I have nothing! I need this problem fixed as soon as possible or the next step will be legal. I have been patient enough. I trusted NFCU with my funds, and they allow someone to take it within seconds yet I have to wait until the investigation is over. I have never gone through a situation this severe with any other financial institution, and they must be held accountable. Below is the fraud activity that took place : XX/XX/XXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXXXXXX XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX {$43.00} XX/XX/XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXXXXXX A XXXX {$4200.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} Someone also attempted to take out a student loan with NFCU ; however, I was able to stop the application process before funds were dispersed to the school. | ||||||
| 01/15/2022 | Yes |
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| I the consumer and original creditor entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021 in which a finance charge took place ( # XXXX ) for {$58000.00}. This finance charge did not include the sum of all charges because I am billed every month for car insurance and was also forced to make a down payment which is also illegal and a clear violation of usc 15 code 1605 as stated by Congress. Navy Federal also failed to disclose my right to recission which or promissory note which violates usc 15 1635. I exercise my right to cease and desist pursuant use 15 1692c As the consumer I would like to request the name and address of the ORIGINAL creditor pursuant 15 usc 1692g ( b ). Navy Federal Credit Union shall cease collection of this alleged debt, or any disputed portion thereof until Navy Federal Credit Union : Obtains verification of the " alleged debt, '' verification of the name and address of the original creditor, and a copy of such verification is mailed to me by NAVY FEDERAL CREDIT UNION. This in NOT a request for " verification '' or proof, but a request for VALIDATION made pursuant to the above-named Title Section by LAW. Navy Federal is criminally ( usc 15 1693 ) and civilly ( usc 1611,1640 ) liable for double the amount financed and are liable to each FDCPA violation. Due to their unfairness and vital role in illegal activities, this has caused damage to my reputation and character. I am seeking remedy and would like to remit payments on all violations and illegal activities! I am also demanding that this " alleged debt '' be removed from all XXXX of my credit reports as it show inaccurate and untrue information that I never gave them permission to give away ( another violation ), By LAW, I am entitled to privacy. I will not hesitate to bring legal action against you and your client for violating the FCRA, FDCPA, TILA, and for Defamation of Character. If any accounts are frozen or closed for exercising my rights as a consumer and original creditor I will hesitate to bring legal action against you and/or your clients for violation of the FCRA, FDCPA, TILA, and for Defamation of Character. I require no more than 30 days to investigate this information, during which time all collection activity must cease and desist. | ||||||
| 08/02/2015 | Yes |
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Web | Older American |
| It all started on XXXX/XXXX/15 when I received an email describing a job for escrow agent for the XXXX XXXX company from XXXX XXXX. On XXXX/XXXX/15 I received another email stating that they needed this job filled immdiately. On XXXX/XXXX/15 I received a contract and a FAQ from XXXX XXXX. On XXXX/XXXX/15 I received an email from XXXX XXXX stating that XXXX XXXX welcomes me. On XXXX/XXXX/15 I received another email from XXXX XXXX advising me that I will be receiving payment from their customers for product received. On XXXX/XXXX/15 I received another email with invoices XXXX amt {$1100.00} and invoie XXXX amt {$1100.00} with instructions how to disburse the monies. On XXXX/XXXX/15 I received another email stating that I will be receiving 2 checks for the above invoices. They wanted me to use Reload-it cards to have the money sent to them once they cleard my bank but the Reload-it system was down. On XXXX/XXXX/15 I was sent an e-mail asking if there was a XXXX XXXX near me. On XXXX/XXXX/15 I was sent an e-mail instructing me how to dispense the funds via XXXX XXXX. After I sent the first XXXX XXXX for {$620.00} I was advised by my bank that I was overdrawn as the checks were returned by the Federal Reserve as fraudulent. I wasoverdrawn {$850.00} and now I have brought down my balance to a positive of {$150000.00}. I called the bank on XXXX/XXXX/15 and asked them if I could use my debit card but they told me that they were frozen. I am lving in XXXX XXXX and I have no money to pay my bills and I was hoping you could contact my bank and help me get my cards unfrozen. I have been withou funds since XXXX/XXXX/15 and now even with a positive balance I still can not access my funds which by the way is my social security. My bank is Navy Federal Credit Union XXXX. I have all the emails that started this whole fiasco if you need to see them I was the victim here and I feel that they are treating like a criminal. I did call Navy Federal Security Department and spoke to a XXXX who told me that they could not help me and I should report this to the XXXX Police which I did and they told me to file in XXXX which I did with the XXXX which forwards your compliant to the FBI, XXXX and the XXXX XXXX XXXX. All I need is my debit cards unfrozen so that I can have access to my funds | ||||||
| 06/08/2023 | Yes |
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Web | Servicemember |
| I entered into a contract to build a new home with a builder starting in XXXX of XXXX, with our last change request being dated XX/XX/XXXX. I am currently on title to the property and also am carrying the construction loan through a local bank. Knowing that my home was on schedule to be finished, I started to inquire about interest rates in XXXX starting first with my construction lender. They had completed an appraisal on the home at the time of constructionand also were familiar with how to process and underwrite a long-term loan that pays off a construction loan. Based upon their rates, I decided to inquire with Navy Federal Credit Union. I was excited about the rate program and was confidentwith the conversations I was having with the mortgage lending team and thus I appliedfor the loan. Over the last 30-days, the confidence that I had has been shattered due mostly to an appraisal situation. Understanding the value is subjective, I realize that I can't make any argumentswithout supporting data and thus, I sought advice from local lenders and appraisers to ask what I should do. I won't waste your time in explaining everything that has happened up to this point. What I would like is a conversation with someone that understands XXXX guidelines and procedures. The reason for this is that based upon my research, I believe that there are at least 3 XXXX violationsthat directly relate to the appraiser 's ability to establish a value on my home. The most obvious being that the appraiser doesn't reference the current contract or the fact that the property sold within the last three years. There are also additional comps that have not been considered. At this point, I am not confident that Navy Federal is looking out for me as a consumer and is forcing me into a higher interest rate situation because of their lack of openness to an educated and open discussion. This is very frustrating to me and my family because while making this commitment to NFCU, interest rates have increased and so my option to lock in the fixed rate that I could've taken in XXXX is also no longer available. Why exactly can't I have a reasonable discussion with a decision maker who is versed in appraisal guidelines? I would like a reconsideration of value based upon the deficiencies found. | ||||||
| 03/26/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023 someone claiming to me claimed fraud charges of normal monthly bills I pay. And my account got credit for these claims. There where three internal bank transfers from my account which the account number is XXXX to a XXXX XXXX XXXX in three different amounts one for XXXX, XXXX and XXXX. I saw these transfers and immediately messaged my bank they were fraudulent. The bank Navy Federal Credit Union didnt investigate the charges they claimed just credited my account XXXX dollars. When as I stated I make but one of the claimed charges monthly. The XXXXXXXX XXXX charge was mine for {$450.00} as I needed two new tires. My car XXXX to XXXX XXXX, my loan payment of XXXX to XXXX XXXX, XXXX XXXX XXXX for XXXX and XXXXXXXX XXXX for {$450.00} all charges that were claimed as fraud and my account credited for XXXX on XX/XX/XXXX. I immediately notified my bank who then didnt fix anything and told me that I am responsible I changed my direct deposit information as I get va benefits but they are not refunding my fraud charges as I have explained exhaustedly to the bank the va and the department of the treasury ( whom hung up on me ) that this account needed to be closed and no money on or out til the investigation is done. Because of Navy federals lack of initial fraud charges claimed I am negative XXXX as of today. So more money has been taken out. Since then. And havent notified the proper channels of said fraud by law or closed my account and will not credit my account the missing funds. Va benefits are also protected benefits and they refuse to send them to the new ach I have set up because of this incident. I am looking at not having a job anymore. Losing my car, house and other things because of this. And said that I wont receive anything. Until this investigation is over which could be up to 45 days when they should have initiated a investigation immediately upon me telling them to stop the unauthorized transfers from account to account. I dont know a XXXX XXXX XXXX Or how my information was gotten. And frankly I am being badged for bills to be paid when I cant even put gas in my vehicle to get to work. They have not been professional or have they even tried to fix this issue on any level. I have also attached several documents indicating my issues. | ||||||
| 02/10/2023 | Yes |
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| On XX/XX/2022, I reported a fraud claim on my daughters Campus Checking for unauthorized debit card transactions, fraudulent checks were deposited into her account ( the checks arent made payable in my daughters name ), unauthorized member transfer to another bank. As of today I am still dealing with this issue with Navy. They denied the original claim. I filed 2 different appeals and those were denied as well. Ive called and spoken to customer service with no help. Spoke to a manager and he informed me that because the checks were deposited into my daughters account and now they have been returned for NSF that she is responsible for the fraudulent checks because the bank has to recoup there money. He also stated your daughter should have kept up with her account thats her responsibility to make sure her account is not hacked. I told them the checks shouldnt have been allowed to be deposited because they are not payable to her. He states are we suppose to check who the check is made out to, we dont check that on mobile deposits. I asked to speak to his manager, he stated he is the last person I could speak to. I asked for the name of his manager and a email address or phone number to contact them, he was combative and refused. I asked him are you refusing to give me the information Im requesting? He told me to hold on and transferred me to a automated survey. My daughter did not receive any of those funds that were made in her account. One of the checks returned thats not in her name and bc Im the co-owner they took XXXX out of my account, putting me in a financial bind. I called concerning that issue and was told bc the check was returned and even though we have filed fraud claims I was responsible for paying the money. Now a second check has returned and Im getting the same response. This bank is holding there consumers responsible for their account being hacked, fraud and unauthorized transactions. Im still trying to get this matter resolved. I filed a complaint with XXXX and XXXX responded back stating that my daughter and I are still responsible for paying the fraudulent checks that someone deposited into her account because it was hacked. I have filed complaints with XXXX and XXXX. XXXX instructed me that they forwarded my complaint to your office. | ||||||
| 09/07/2021 | Yes |
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| Affidavit of Truth Notice to Navy Federal XXXX, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only most High of creation and I depose the following facts, so be it, now present ; 15 us code 1681 says Subject to ( c ), any consumer reporting agency may furnish a consumer report in in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion. Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that ( consumer reporting agency ) is in violation of Truth In Lending I was never informed or presented when the rights to cancel expired. No Truth In Lending disclosure forms were presented at the time of the consumer credit transaction. No Rescission Process during the consumer credit transaction. Fact, Affiant is aware and has proof in attachment labelled Exhibit A that ( NAVY FEDERAL 15 U.S. Code 1605 - Determination of finance charge is in violation of ( Truth in Lending Act1, The TILA was first amended in 1970 to prohibit unsolicited credit cards. CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT ( 3 ) Notice of right to cancel. -- Each notice required by paragraph ( 1 ) or ( 2 ) shall be made in a clear and conspicuous manner, and shall contain a brief statement of the right of the obligor to cancel the account pursuant to rules established by the Board before the effective date of the subject rate increase or other change. " ( 4 ) Rule of construction. -- Closure or cancellation of an account by the obligor shall not constitute a default under ( B ) the creditor has provided the obligor, prior to the commencement of such arrangement, with clear and conspicuous disclosure of the terms of the arrangement FEDERALLY PROTECTED CONSUMER RIGHTS willfully and knowingly, so they are civilly liable. | ||||||
| 06/04/2020 | Yes |
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| This morning on XX/XX/XXXX, I called Navy Federal about my checking account. I am a XXXX XXXX XXXX and received deposits for the PPP ( Paycheck Protection Program ) and EIDL from the SBA Coronavirus Aid, Relief, and Economic Security Act, ( CARES Act ) fund. That AID was intended to address the economic fallout of the COVID-19 pandemic for entrepreneurs. So, I was shocked when I spoke with a representative named XXXX who said she could not help me with my account because I owed Navy Federal {$3100.00} from a XXXX that I owned in XXXX. She told me the debt was from XX/XX/XXXX. I explained to her that this was the first time I heard about it and I have been a member with Navy Federal since XX/XX/XXXX. I have always kept my address and whereabouts known. The account that she mentioned was a Corporate account for a C-corp that I owned. When I moved to VA in XXXX the corporation was dissolved. In XXXX, I started a new corporation here in VA called XXXX XXXX XXXX XXXX - new tax ID, This current entity has nothing to do with my dissolved corporation. It is not even in the same line of work. When I asked to speak to her supervisor, a man called XXXX, he was very defensive and said this is the money that I owe Navy Federal. I explained to him that I was never notified and never received even a letter or phone call. I've had my personal account since XXXX. He was adamant in keeping my money as well. I explained these funds are earmarked to provide for payroll. I said if it is seized then I will have to pay it back with interest, plus it won't be used as it was intended. He was very rude. I even asked if he could even go after an uncollected debt after the 6 year time limitations had past. He did not care and hung up. When I checked my account thereafter, sure enough {$3100.00} was gone. This is my personal account. My taxes are reported on a Schedule C. I believed that bonafide corporations shield their directors from personal liabilities. Even if I wasn't shield from such liability, I was never notified of the debt. Now, I suffer a triple whammy - limited funds to pay myself and contracts, no way to have he {$3100.00} forgiven and more debt to repay with a business I may not be able to keep because I don't have enough funding. Will you please help me? | ||||||
| 11/28/2023 | Yes |
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| On XX/XX/XXXX I had filed a debit card dispute for a transaction of {$330.00} on my checking account from XXXX XXXX XXXX. My girlfriend and I had toured an apartment and ended up applying and paying a holding deposit the same day. We were told by the apartment representatives both verbally and through written documentation that if we applied the same day that we toured, both our application fees and holding deposit would be refunded. We ended up finding out that the apartment was misleading us regarding information prior to signing a lease. We told the apartment company that we were no longer interested in the apartment and would like a refund for the application and holding fees as previously agreed upon. I provided all the documented email conversations between myself and the company, which included the written offer to refund all fees if I applied the same day. Navy Federal had temporarily reversed the charge and added a credit in my account until the investigation was completed. On XX/XX/XXXX, Navy Federal sided with the company because " The fee you are trying to dispute is non-refundable, which was disclosed to you at the time of purchase. '' In the supporting documents I provided, the email chain goes over how we were intentionally mislead to believe the charges would be refunded. The representatives didn't provide any disclosures or restrictions that would limit the offer presented to us. It wasn't until we had already paid our application fees and then requested a refund that they told us that we had to move into the apartment to receive the {$330.00} back and that instead of the refund promised, it would be a credit to our account at a later date. This company decided to change the conditions of the special offered to us after we had already paid and Navy Federal took the side of the misleading company without any documentation of why. On XX/XX/XXXX, I requested an appeal on the dispute outcome and received what appeared to be an automated response from Navy Federals Debit Card Dispute Resolution center that provided me with no additional information to understand their decision. I responded on XX/XX/XXXX and haven't heard a response from Navy Federal since. This charge was textbook definition Fraud and Navy Federal is allowing it to happen. | ||||||
| 10/30/2023 | Yes |
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| I am in distress, having fallen victim to a distressing incident of identity theft. On XX/XX/XXXX, an unauthorized withdrawal of approximately {$1100.00} was made from my checking account. This transpired when my wallet, debit card, and cell phone were stolen by an individual I unwittingly brought back to my hotel, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. To make matters worse, this person XXXX XXXX and absconded with my belongings. Upon discovering the theft, I promptly reported the incident to the hotel 's front desk. Regrettably, their initial response did not involve contacting the police. It was only after I firmly insisted that they made the call, leading to a considerable delay of approximately two days before the police arrived. Unfortunately, the language barrier proved to be another obstacle as they did not speak English. Through the use of a translator on their phone, I tried to explain the incident and expressed my desire to file a police report. To my dismay, they informed me that this was not within their purview and that I would need to report the incident at a police station. However, they did not provide me with an address or any means of contact. In an effort to rectify this unsettling situation, I swiftly filed a complaint with Navy Federal Credit Union, the institution with which I hold my account, regarding the unauthorized transactions and withdrawals that had occurred in my checking account. I filed this complaint on approximately XX/XX/XXXX. In response, they assured me that they would temporarily credit my account with the stolen amount and conduct a thorough investigation into the matter. As a result, my account was credited with {$910.00} on XX/XX/XXXX. My hope was that justice would be served and I could be made whole again, but my optimism was short-lived. On XX/XX/XXXX, Navy Federal Credit Union abruptly reversed the credited amount, stating, " Based on a thorough investigation of your account activity, we have determined that no error has occurred. '' I am reaching out in desperation, seeking assistance and support in resolving this distressing situation, and to be made whole once more. Your understanding and help during this trying time would mean the world to me. | ||||||
| 11/11/2019 | Yes |
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Web | Servicemember |
| On XXXX XXXX, XXXX, XXXX and XXXX XXXX submitted a home loan application at your XXXX Navy Federal Branch with Ms. XXXX ( XXXX ). She provided excellent customer service but every encounter thereafter was less then professional. XXXX advised us the we would receive an offer letter within two weeks of submitting the loan application. Using the XXXX provided all requested documents on XXXX XXXX, XXXX. We did not hear anything from Ms. XXXX for over a week. My husband called and emailed her several times. After three weeks we finally received a call and email correspondence on XX/XX/XXXX, stating that a decision was made and to return her call to go over the decision. My husband spoke with her and she advised him the the loan was denied and she did not provide specific details regarding the loan denial. She merely stated that we had to many delinquencies in the past 12 months. My husband is a veteran and he served XXXX yrs. in the XXXX XXXX and we are both government employee 's. We have had a attitude of service for both the country and state of California but no one will serve him! Ms. XXXX XXXX did not provide information about were we could retrieve the information used to deny the loan. Her lack of professionalism with regard to timeless, providing information, and lack of customer contact throughout the process, made our experience horrible. My husband and I feel discriminated against because we were asked where we wanted to purchase our home, because he is paying {$740.00} per month in child support ( which will cease in XX/XX/XXXX ) and because my husband and I complained about her vigorously. We called the Navy Federal Branch manager and supervisor ( who we couldn't get on the phone ) who we left messages with requesting a return phone call. No one ever returned our calls. We submitted a written request for an appeal of the decision and yet again ; no correspondence, decision, contact, answered calls. As a matter of fact the phone number she leaves on her voice mail is disconnected. Call it : Her Cell - XXXX and the number she says to call her at XXXX ( disconnected ) We will be reaching out to the State Attorney General 's Office to see if any laws have been broken and to request some mediation/resolve. We would love to here from you. | ||||||
| 02/20/2018 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I had made an ACH Payment through the NFCU app. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, and decided to trade my XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX XXXX. I contacted Navy Federal Credit Union for a 14 Day Payoff for my XXXX XXXX XXXX XXXX, this was necessary for the Lease agreement with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX. I received a 14 Day Payoff from Navy Federal Credit Union for my XXXX XXXX XXXX XXXX, which was good until XX/XX/XXXX. I noticed that XX/XX/XXXX fell on a Saturday and discussed my concerns with the Customer Service Agent. While on the phone with the same agent who gave me the 14 Day Payoff, I inquired if the payment I made the day prior had been processed and applied to the account. I was informed it had not been applied and the 14 Day Payoff did not include the XX/XX/XXXX payment. The Customer Service agent told me that he processed an ACH Payment Reversal since I was trading in the XXXX and it wasnt included in the payoff. The agent advised me to contact XXXX to try and catch it just in case. This payoff amount was given via telephone, and on the Navy Federal Credit Union XXXX Application. XXXX XXXX XXXX mailed the 14 Day Payoff on XX/XX/XXXX. My monthly payment was due XX/XX/XXXX of every month. Previously NFCU has posted payments or fees on this loan on Saturdays, when it benefit NFCU interests. Despite receiving the loan payoff prior to XX/XX/XXXX NFCU did not process the payoff causing second and third order affects, a late fee and causing the payoff to expire. On XX/XX/XXXX promptly applied a {$29.00} late fee to the loan. Navy Federal Credit Union did not process the loan payoff until XX/XX/XXXX. Additionally, Navy Federal Credit Union erroneously applied the payoff payment as a regular payment. Then Accounts Receiving reversed the misapplied payoff payment. Furthermore, Navy Federal Credit Union Accounts Receiving processed only {$48000.00} which is a portion of the payoff to principal balance. Navy Federal Credit Union applied the remainder into another adjusted split payment of {$2300.00}, {$1700.00} to principal and {$610.00} to interest. I followed the advice and guidance from the NFCU Agent, and I need this resolved before XX/XX/XXXX to prevent further damage to my credit. | ||||||
| 10/11/2023 | Yes |
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| The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is to complain against the Navy Federal Credit Union XXXX URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I would like to draw your attention to XXXX XXXX I sent my complaint letter to Navy Federal , in which I clearly stated how this scam has affected me personallyXXXX XXXX and financially. I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Navy Federal never acknowledged my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. General Obligation : Commencing on or about XXXX XXXX XXXX, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my Navy Federal account to fraudulent investment firm ( XXXX ). When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Navy Federal did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Navy Federals custodianship over my funds or by its control over them, they owed a fiduciary duty to me and if so, whether that duty was breached ; | ||||||
| 11/25/2023 | Yes |
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Web | Servicemember |
| Ive been a veteran since XX/XX/XXXX. I receive XXXX XXXXXXXX compensation. And I been receiving XXXX since XX/XX/XXXX. Ive been unemployable since XXXX, so any benefits received in my name is government protected. Well XXXX XXXX been taking unauthorized payments for credit card debt and car loan debt, that was late, for 6 years now. They recently took a family members amended tax return that came to my account to pay my debt in full. The family member had no access to my account for over 5 yrs. But the return went there, in their name because that was where their original return went back in XXXX. Because that was their only account at the time. So even though the member was no longer on the account, or had access to the account, navy federal used their money to pay off my debt, now leaving me responsible to pay them back. What made it so bad is that the credit card was closed back in XXXX of XXXX and was in collections as written off. Navy federal sent a settlement for both debts, for a fraction of the cost of the debt, the same day the money cleared, in garnished the full account of both debts before I ever seen the emails. They took {$14.00}, XXXX of someone elses money. This was XXXX XXXX. I got contacted by the IRS and the bank who sent it on XXXX XXXX requesting I return it. Navy federal had done this, in never even took the time to contact me about this debt being paid in full. After talking to several representatives, they refuse to return the money to the bank that sent it. They claimed it didnt matter that the member was no longer on the account. Or that the ACH deposit wasnt in my name. It came to my account so they have the right to take it. Honestly, I believe navy federal took it because they saw it was a family member. Because any ACH deposit sent to the wrong account should be returned. Especially if they name doesnt show up on the account the money is being sent too. The owner of those funds been removed from acct ending in XXXX long before now.. They even opened up their own account with navy federal. Navy federal has contact with owner of funds. And could have reached out to verify funds sent to wrong account. So the department that processed the transaction, linked us together in justified using their funds to pay my debt. | ||||||
| 10/10/2022 | Yes |
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| This matter arises out of a consumer credit transaction with NAVY FEDERAL CREDIT UNION in which I am demanding that you cease and desist from disclosing my nonpublic personal information to all nonaffiliated third parties which includes XXXX, XXXX, & XXXX. As the law states, 15 USC 6801 ( a ), Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. NAVY FEDERAL CREDIT UNION does not have my consent to share my nonpublic personal information and if there is any disclosure in your agreement giving you that option to share my nonpublic personal information, I request that you show me in the same agreement where you provide me the option to opt out of sharing my nonpublic personal information. Pursuant to 15 USC 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. As 15 USC 6802 ( b ) states, Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. NAVY FEDERAL CREDIT UNION, your financial institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ) without giving me the opportunity to direct that such information not be disclosed to those third parties above. You have infringed upon my right to privacy and violated federal laws. | ||||||
| 08/18/2021 | Yes |
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| In XX/XX/2021 my account was being fraudulently charged via debit card nightly for a rental car from XXXX. I never rented a car from XXXX. I tried to resolve this matter with XXXX first. They told me I would have to contact my bank to get them to stop the charges. On XX/XX/2021 I called Navy federal credit union to explain the charge nightly to our debit card was unauthorized and asked them to stop the charges from coming thru as it was leaving us unable to keep money in our account for fear of it being debited fraudulently. After about 45 minutes on the phone, they ordered a new debit card told us it would be in the mail within a week. We thought the issue was resolved until we activated the new card a week later. Then we started receiving these declined transaction notifications every night again. We called the bank again as well as contacted XXXX in attempts to resolve this all the while unable to keep money in our account. Having to immediately withdraw any money being direct deposited into the account as the process to change direct deposits would have taken weeks and without pay during that time. On XX/XX/XXXX we had a successful debit of {$2800.00} come out of our account leaving our balance at - {$2400.00}. ( {$400.00} had just been direct deposited the same night and we hadn't had a chance to move it yet ) We called the bank again and they told us they would investigate it and in the meantime credited back the money. They then reversed the credit on XX/XX/2021 siding with XXXX originally. After escalating to the correct person we had the investigation reopened and on XX/XX/2021 they sent is a final determination letter letting us know they would not be reversing the newly paid credit and they were siding with us. Since that was resolved we have contacted the bank on 3 occasions to discuss the {$750.00} in returned item fees we were charged and paid during the period of XX/XX/2021 and XX/XX/2021. These fees only arose from their lack of action on our fraudulent transaction claim. The bank has since credit our account {$170.00} of the {$750.00} that were charged to us after we requested they stop authorizing these nightly charges. They refuse to take responsibility for their lack of action on XX/XX/2021 to protect our funds. | ||||||
| 07/13/2023 | Yes |
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Web | Servicemember |
| I have sent 3 letters to Navy Federal asking them to provide me with documentation required by law with my signature showing I had some contractual obligation to pay them this alleged debt for {$6700.00}, they are reporting to the Credit Bureaus. They have refused to respond. I am also filing a complaint with the XXXX and my state attorney general XXXX XXXX because I have documented proof they have violated federal and state laws. I have asked for validation associated with this account, bearing my signature. In the absence of any such documentation, I am formally requesting that this information be deleted from my credit files immediately. On XX/XX/2023 at XXXX XXXX Navy Federal signed for my XXXX letter requesting within 30 days to validate the account or delete it. They did not respond or delete the information. On XX/XX/2023 at XXXX XXXX Navy FederaXXXX signed for my 2nd letter, informing them by not replying in a timely manner ( 30days ) to my initial letter dated XX/XX/2023, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. On XX/XX/2023 at XXXX XXXX. Navy Federal signed for my 3rd letter informing them they also did not mark the account as being " disputed '' required within 30 days under federal law. FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. | ||||||
| 01/08/2021 | Yes |
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Web | Servicemember |
| During my service in the United States XXXX, I sustained a injury that grew to be more significant. I fell during a dismount patrol in XXXX in XXXX. We were on a small COB with no xray equipment. All medical personel who treated me thought that it was just aXX/XX/XXXXI had fell and myXX/XX/XXXX was stuck in a position on my rifle and when I fell, It was on top of it with my XXXX bulletproof vest. Fast Forward to XX/XX/XXXX. After a couple sharp pains in my XX/XX/XXXXwhile picking up items, we went got it XXXX XXXX. The found a gap in my XX/XX/XXXXwhich is the foundation of your wrist. I let NFCU know about it and that it would hurt me financially because the XXXX was rushed. I asked for other payment options from the representative but the only answer given was " To keep them informed because there was no other options, this continued into XXXX which was a nightmare. The first XXXX didnt work due to error from a dr from the VA and they had to go back in. they were taking XXXXXX/XX/XXXXfrom different sites trying to repair it which was painful. I was in and out the hospital all XXXX due toXX/XX/XXXX from all the different sites and had to get hospitalized due toXX/XX/XXXX from all the XX/XX/XXXX. All of these times this bank is reporting late and I was never given a forebearence or any other options. It sincerely saddens me that NFCU never listened marked late payments and completely deteriated my credit. Veterans like myself come back from serving with injuries sustained physically and mentally and since NFCU is a veteran focused financial institution I would think they would understand the fight that we face returning back to the states. I gave notices and was fighting for my light sometimes during XXXX. My surgeries did not end until XX/XX/XXXX when I received XXXXXX/XX/XXXXin my dominant XX/XX/XXXXnow that I can not move and does not have any range of motion. I think this injury does give me enough XXXX and XXXX. NFCU should consider correcting my history due to I was hospitalized and in and out of my house. If I was the only person I was taking care of I would not of been late but I have XXXX children and between me being hospitalized and unable to provide, making sure my children can eat was the only reason I was late to ensure their fed. | ||||||
| 08/12/2019 | Yes |
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Web | Servicemember |
| On XX/XX/2019, I attempted to open a savings/CD account with the XXXX NV branch of Navy Federal Credit Union. As we met with the Service Rep XXXX, she asked for my social security number within in ear shot of another member conducting business with the Senior Service Manager nearby. I told her I was uncomfortable with saying it so I wrote it down and handed it to her. XXXX typed the information into the computer and printed out documents. As this happened, the Senior Service Manager handed a stack of documents to the nearby customer and he walked out. XXXX then went to the printer which was now empty, she asked her coworker/Senior Service Manager if he had seen the documents that XXXX had printed for my account. The Senior Service Manager informed her that he had given the documents in the printer to the previous member. XXXX was unhappy with this but proceeded to print out new documents for me to continue opening my account. When she handed us the second document, my wife noticed that the document was pre-filled with my name, birthday, social security number, and access number. I asked XXXX if that was the document the Sr Service Manager had given to the other member. She confirmed it was, but claimed it was blank. I told her to talk her Senior Service Manager and she called him over, I asked if he had given my information to the other member and he denied it. He claimed it was a blank copy. I asked why he gave a blank copy to the other member and he had no answer. At that point I cancelled my signup and informed the branch manager ( XXXX ) about what had happened, and she also had no answer as to why the Sr Service Manager would give blank documents to the member if he had verified them all as he claimed. Again she had no answer, but she said she would call the other member and see if he had received any extra documents. I told her I was unhappy that I had come in to sign up for service and I am now worried my information is compromised. I asked her to send someone to contact the member and retrieve the documents and she refused. I called Navy Federal customer service to file a complaint, they repeatedly me told me that the complaint would be filed with the branch manager XXXX, who had already refused my request to retrieve the documents. | ||||||
| 04/09/2019 | Yes |
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Web | Older American, Servicemember |
| Navy Federal Credit Union XXXX XXXX and XXXX XXXX cancelled my settlement, which was to occur on XX/XX/2018, on XX/XX/2018. This was because of an allegation that I was unable to satisy a statement of deposit of funds in my XXXX Account. We worked together for 2 hours with XXXX and Ms. XXXX joint on phone trying to get something acceptable to their underwriters but the settlement was cancelled arbitrarily at XXXX shortly after the documentation was given saying was inadequate time for the underwriters to clear it. ( their work hours was until XXXX according to Ms. XXXX. I was sent the " temporary '' closing disclosures at XXXX on XX/XX/2018 and esigned it immediately. My wife was not sent the document so we assumed it wasn't needed. The new settlement date was set XXXX. on XX/XX/2018 we were sent a " Mortgage Production '' message at XXXX, I signed in at XXXX, my wife was sent a letter to call XXXX XXXX to ok the closing disclosure. My wife called and XXXX returned the call at XXXX. XXXX was asked if she had seen the statement " Closing Disclosure '' and did she agree with it or have any questions and my wife answered no. Three business days from this notification on XX/XX/2018 would be the XXXX of XXXX. Settlement was allowed to occur on the XXXX of XXXX. This was a violation of the Truth-in ' -Lending Act. My observation is the following : When the documentation was " almost late '' a decision was made to cancel the real estate transaction because the law required a 3 day notice. This caused us much stress and change of plans and money as we had to cancel several appointment which we had applied a deposit. This XX/XX/18 settlement date had been in place for over a month. When NFCU employees make a mistake of not including my wife in the sign off of the closing disclosure and its consumer protections, it was ok to break the law and let the settlement stand so that they would not be embarrassed. Don't believe the law was intended to be one way, to discriminate against buyers whenever something occurs but " bend '' the rules when it works the other way. Thank you for listening to my complaint. I desire no monetary damages from NFCU but would expect a letter of apololgy and a violation of the Truth in Lending Act. XXXX XXXX XXXX | ||||||
| 03/13/2019 | Yes |
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Web | Servicemember |
| I have discovered there is Fraud in regard to a certain " Uniformed Secured Instrument '' / " NOTE '' associated with my loan/ mortgage. It has come to my attention that there has been a failure for " Navy Federal Credit Union acting as Trustee '' to disclose information to myself as a consumer for financial gain. " Navy Federal Credit Union acting as Trustee '' is involved in the illegal transfer on my Estate/Property, where documented fraud has occurred.This matter has been thoroughly investigated & will be personally delivered to the FBI, The Pennsylvania Attorney General Office, the Secret Service and all agencies for investigation and prosecution, resulting from violations of Federal Law including, but not limited to, COUNTERFEITING and CONSPIRACY TO DEFRAUD. It has come to my attention that " Navy Federal Credit Union acting as Trustee '' is in possession of a counterfeit " Security Instrument '' or " Uniformed Secured Instrument ( s ) '' that allegedly relates to my property, which was used to predicate/ claim standing to a foreclosure action and obtain a judgement the favor of " Navy Federal Credit Union acting as Trustee '' and reached the point of a sheriff sale of my property on XX/XX/2017 to collect said " alleged debt ''. The security instrument is not the original underlying " wet inked '' Promissory Note/ Negotiable Instrument Pursuant to Article 3 of the Uniform Commercial Code. Mortgage loans are Governed under Article 9 of the UCC only of the mortgage passes as an incident to its underlying debt. The security instrument that " Navy Federal Credit Union '' has is " unenforceable '' as it has no governance since it describes itself as a mortgage loan that is secured by the original mortgage only, and further describes itself as a " security instrument ''. " On its face '' this document has no negotiability pursuant to Article 3 of the Uniform Commercial Code, and there has not bee a presentment of the original wet ink signature copy of a verified authenticated copy of the original attached to the complaint in the foreclosure proceedings, providing the signature on the documents submitted was signed by my hands and is not a forgery, whereby the use of this counterfeit instrument to collect a debt is unlawful and fraudulent. | ||||||
| 06/23/2015 | Yes |
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| We used our XXXX to book a cottage through XXXX for a mini vacation to celebrate my husbands first year in XXXX and the completion of his first year of school XXXX and still working towards his XXXX degree. The room they booked was unfit for staying in. It was at XXXX. They charged us and showed a prime place on their site at XXXX for XXXX a night. When we arrived the septic field was dug up right next to the cottage they put us in. The living room floor was caving in and my sons were tripping and fell XXXX, the bathroom door wouldn't close and there were animal feces next to the stove. I have the pictures. I called XXXX to cancel Confirmation Number XXXX. They wouldn't because they couldn't get the managerof the place on the phone. It stunk we were getting sick and the ad said it was airconditioned. This was a lie the bedroom had no vent and no air conditioner seperate and it was XXXX degrees in the keys. We told XXXX we couldn't stay it wasn't fit they said you have too. That's fraud they falsely advertised this place. They wouldn't cancel we offered pictures, we offered for them to skype in they wouldn't. We had to leave and had to pay for another hotel it's on our bill as proof we put the keys in the maagers night drop box and drove XXXX hours and checked in at XXXX that night, then we went home sad and broke. XXXX is saying they can't make XXXX remove this fraudulent biling. Now the XXXX in bogus fee's are putting us high on our credit card and were trying to buy a house. So it's hurting our credit ,charging us money we don't have. XXXX He's in school getting his XXXX Degree XXXX. He already helps XXXX and wants to help XXXX This was his treat for 70 hr weeks, for a year, trying to do school and a internship so he could bless others. We were not so upset about it happening we forgave but to charge us for this is horrible. XXXX need to get a heart or not be used by consumers. Also they need to be responsible and step up when their merchants commit fraud. We have all the pictures from this fiasco as proof. XXXX says it's to bad but XXXX says too bad the manager wouldn't cancel. The manager renting fraudulent rooms doesn't want to give up his money. Really? I thought XXXX were there to help us with that. | ||||||
| 10/31/2021 | Yes |
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Web | Servicemember |
| I, XXXX XXXX XXXX , am that I am, the consumer pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b )/ I entered into a consumer credit Transaction with NAVY FEDERAL CREDIT UNION on XX/XX/2017, this consumer credit transaction includes a Finance Charge pursuant to 12 CFR 1026.4, NAVY FEDERAL CREDIT UNION failed to explain the method of determining the finance charge pursuant to 15 USC 1602 ( v ), failed to disclose what must be included in the finance charge, which shall be disclosed clearly and conspicuously in accordance with 12 CFR 1026.17 and 12 CFR 1016.3. / NAVY FEDERAL CREDIT UNION failed to include my property insurance in my Finance Charge pursuant to 12 CFR 1026.4 ( b ) ( 8 ). The Finance charge shall include premium insurance against loss or property damage or against liability arising out of the ownership or use of the property. / Pursuant to 12 CFR 1006.38 ( c ), I Disputed and Requested for Original-Creditor information, including name and address. NAVY FEDERAL CREDIT UNION refused and failed to disclose the name and address of the original creditor, even if I requested. / Pursuant to 12 CFR 1006.30 ( e ) NAVY FEDERAL CREDIT UNION is furnishing deceptive forms, which creates false beliefs about the creditor, that other person than the creditor is participating in the collection or attempting to collect the alleged debt. / NAVY FEDERAL CREDIT UNION monthly statements constitute a Billing Error pursuant to 12 CFR 1026.13 ( a ) ( 6 ), and I am demanding Documentary Evidence. Pursuant to 12 CFR 1026.13 ( d ), collection action is prohibited and adverse credit report is also prohibited. / Pursuant to 12 CFR 1006.38 ( d ) ( 1 ) the failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer. This debt is being disputed NAVY FEDERAL CREDIT UNION shall provide the consumer with appropriate forms and Notice of Right to Rescind any transaction pursuant to 12 CFR 226.15 ( b ). NAVY FEDERAL CREDIT UNION failed and neglected to disclose the appropriate form with the required Notice of Right to Rescind. / Pursuant to 12 CFR 226.15 ( a ), I hereby rescind the consumer credit transaction granting any security interest to NAVY FEDERAL CREDIT UNION. / | ||||||
| 02/01/2019 | Yes |
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Web | Servicemember |
| I went into the XXXX XXXX Florida- Navy Federal location on XX/XX/2019 to open a new business account. ( In my possession I had my EIN number and my business is active and listed on the Secretary of State. ). My company is paperless, so I had it electronically in my phone- but as we all know SOS is available to anyone free online. I was immediately give a hard time by a teammate XXXX. She was beyond rude. She acted like she didn't want to open a business relationship, or lacked training. She didn't know what forms were needed or how to proceed. Then told me I HAD to produce paper copies of the documents, that she wouldn't print them. I advised her that my small business is paperless ... of course I am growing more irritated as she had given me a 9 page BOF form to complete via handwriting. She was quite condescending, which lead to me being stern about the discrimination I was receiving. Next thing I know the branch manager came over to lecture me and tell me to lower my voice. The worst banking experience EVER. My wife has been in banking for 14+ years and would never get away with treating a client that way, it was not client centric. When I got home, I wrote a formal complaint to the company via their secure website Confirmation # XXXX. I received no return message. Only a representative by the name of XXXX calling from XXXX - to further chastise me and tell my behavior is inappropriate. - And told me how I have to act, that I'm not allowed to be upset due to their laziness in the branch. That my feelings are not valid as a client. Fast forward to today, when I receive a letter mailed to me from Navy Federal that advised its due to a " recent incident '' at a branch. It continues to say that I exhibited unacceptable behavior. " In the event of any future incidents, you will no longer be permitted to enter ANY FCU branches for ANY Reason & We not act favorably on any request to reinstate this privilege. Citing that I abused the teammates. I am more than sure that there is surveillance and anyone can see that I did not " abuse '' anyone ... nor was I yelling, or screaming or acting any way of inappropriate. I am able to express my displeasure without being threatened. The company is discriminating against me and my small business. | ||||||
| 06/16/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, XXXX notified me that a deposit I made was being held and my account has went to the security team. Upon contacting them the same day I was advised I was given a check that may not clear and my account was on hold. After contacting the check issuer my Employer I was advised they issued a check to a closed account and needed to correct the issue and also sent a letter explaining the mix-up. I have been an NFC customer since XXXX and did not understand why I ended up in fraud. My entire online platform was placed on hold and blocked access to both of my secured credit cards in which I make payments directly from my checking account. On XX/XX/XXXX I spoke with customer service again and was advised that my account was still blocked and I needed to make my payment until the investigation is complete. She attempted to transfer to the fraud team to unblock and explain the mix-up. I was able to schedule a payment with her, however on XX/XX/XXXX I receive an alert that I was late for payment on my credit, I was never late in history. I called again and was told it was an error and its no way to make a payment on my account while I was on hold until the investigation is over. I advised this would make my account report incorrectly and asked to close both secured accounts, however, this was never done. On XX/XX/XXXX, I receive another credit alert for both cards and late status, I called NFC right away and spoke with customer service. She advised my accounts had never been closed and were on hold with fraud, she transferred me and I waited an hour before someone picked me up at XXXX XXXX. The specialist put me on hold after I explained the issue and was really not trying to help, he sounded very disoriented and not interested in hearing my concern. By the end of the conversation he was unable to help and I asked again to close the accounts because they are secured and funds were available in my savings account to pay off. He paid off both cards and closed them, however, now my credit is ruined and the account has been reported incorrectly because of blocking access to pay the accounts online and was told payment would be scheduled. My account should have never been closed, it was a Human Error that caused this, please fix it. | ||||||
| 02/05/2023 | Yes |
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| Re : # XXXX My minimum payment was made on the due date XX/XX/2023 which I paid. The balance was {$2900.00} after that payment. My Statement date is XX/XX/2023. I made a payment of {$2300.00} on XX/XX/2023 BEFORE the cut off time and, immediately my available credit limit increased.. The Statement was posted on my account but, had not generated being the Statement date closing of the billing cycle is the XXXX of each month. Navy Federal reported the balance of {$2900.00} to XXXX XX/XX/2023 and, XXXX / XXXX The prior balance of {$2900.00} BEFORE Re : # XXXX My minimum payment was made on the due date XX/XX/2023 which I paid. The balance was {$2900.00} after that payment. My Statement date is XX/XX/2023. I made a payment of {$2300.00} on XX/XX/2023 BEFORE the cut off time and, immediately my available credit limit increased while the payment was Pending.. The Statement was posted on my account on this day but, had not generated being the Statement closing of the billing cycle is the XXXX. My payment was still pending XXXX, the XXXX it finally posted to my account. Even though I made my payment before the Statement generated they reported my account. Navy Federal reported the prior balance of {$2900.00} BEFORE my payment to the CRAs on the XX/XX/2023 and, XX/XX/2023 to XXXX and XXXX reporting agencies that effected my Utilization rate. I file a complaint XXXX XXXX regarding this repeated reporting. In their response to the complaint the company says and, I quote Navy Federal sends credit reporting information once per month within the week of the issuance of the account statement. If I pay my account payment on the Due Date and, Statement Date why is the balance BEFORE the payment is reported and not the balance AFTER my payment. Navy Federal is not accurately reporting my account. If they can report to the reporting agencies the next day after the Billing cycle close, they can report my payment I made BEFORE the Billing Cycle close. This balance will be on my credit report for 30 days and this is unfair and, misleading of judgement to my character, and effects my ability to obtain credit. Such reporting effects the way lenders whom access my credit report. views me. I demand a correction to the reporting and my Utilization rate. | ||||||
| 02/25/2023 | Yes |
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| I filed a dispute with my credit card company regarding an issue/unauthorized charge on my card. I sent in all of the supporting documents that was requested in a timely manner. The company that was disputed, XXXX XXXX XXXX XXXX Fl for {$630.00} on XX/XX/2022, is a scamming company who claims to fix/repair vehicle parts, but ultimately is causing the vehicle/ CPU more issues than before, which causes XXXX XXXX to request more money from the customer and will still give the customer/myself a broken part which causes my truck to not run/drive at all. I will attach all of the documents including the note sent to Navy Federal credit union to remove the unauthorized fee that we NEVER agreed upon. Navy Federal then gave us a temporary credit and after submiting all of the requested paperwork, they still showed favor to the merchant who could not have provided any proof that the charge was authorized. The fee that WAS authorized was paid by another card that is not Navy Federal and the amount was significantly lower than the {$630.00}. My husband and I ended up with a unfixed truck and double paid repair expenses for a vehicle that we still can not drive. Dispute read : Once I got the part back on my truck after the repair, the truck was still acting up and undriveable. Hence why I took it to XXXX to get a diagnostic check on it. The 2nd upload reads the issues that are mainly wrong with the truck and the CPU still being the biggest issue, which was supposed to have been fixed by XXXX XXXX. I reached out to XXXX XXXX to advise them of the situation with the part. They stated that I then needed another part for the truck and will need a card on file for holdings. As well as to bring the part back IF I want to proceed with then fixing the truck. I declined for future services, which is why I decided to have XXXX fix this issue now instead of XXXX XXXX. XXXX XXXX then charged my card on file without authorization, no receipt, or reason as to why the card was charged. My wife and I just so happened to check our credit card charges and noticed a unauthorized charge from that company. We tried calling them to get answers and our money back but to no avail. Then we researched the company on XXXX and the results were so alarming and disturbing. | ||||||
| 07/01/2020 | Yes |
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Web | Servicemember |
| My wife and I applied for a VA 15 year mortgage through Navy Federal Credit Union in XX/XX/XXXX. More than six weeks later, it was denied for inadequate income. Navy Federal would not consider the more than {$400000.00} in annual income we would receive from the XX/XX/XXXX sale of XXXX XXXX that we owned for more than 30 years. Subsequently, Navy Federal moved us to a conventional, 30 year mortgage at a higher interest rate. The failure of Navy Federal to act timely, to look at the source of our income and how long we had that income was unconscionable in our eyes. From day one, it was clear that we had sold our business and our principal source of income was now through a 20 year contract with the employees who bought the business. By the time Navy Federal acted, we were so deep into the process, we were compelled to continue on the path they directed or we would have lost the home. The sellers had grown impatient with the delays. Particularly egregious to us was that in reviewing VA lending guidelines, as set out in VA pamphlet 26-7, we should have readily qualified for exceptions to requiring we have our new source of income for 24, as well as 12 months. Prior to starting our own XXXX XXXX XXXX XXXX, I had worked for the XXXX XXXX XXXX for eleven years. Out of XXXX XXXX, I started with XXXX as a XXXX XXXX and worked my way up to XXXX and XXXX XXXX XXXX positions before resigning to start XXXX XXXX. With a college education, more than 40 years of work in the field and substantial earnings both before and after the sale of XXXX XXXX XXXX XXXX, we easily met the VA guidelines which clearly set out that decisions as to income should not be mechanically applied, but consider on a case-by-case basis using education, experience and past income and the likelihood it would continue. Over the five years between XXXX and XXXX we averaged annual growth in excess of 30 percent. We do not believe Navy Federal acted in a timely manner to deny our claim, thus denying me an opportunity to go with another lender. Furthermore, we believe Navy Federal, through their actions and failure to follow VA guidelines, deliberately directed us to file for a higher rate conventional mortgage, thus allowing Navy Federal to make more money on the loan. | ||||||
| 02/04/2021 | Yes |
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Web | |
| A credit card account was opened in my name on XX/XX/2019 by Navy Federal Credit Union with a current balance of {$7700.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately. | ||||||
| 03/07/2018 | Yes |
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Web | |
| I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a credit card as well as a checking line of credit with NFCU. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the fraudulent charges be erased from my NFCU Accounts so I can have an accurate balance. So I explained to a representative at NFCU that all they could do was dispute the transactions. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. I say this because I have had past fraud claims with NFCU that ended the same way, with them taking the side of the merchant. This is why I filed the ID theft affadavit in the first place this time. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. I would certainly not risk perjury, imprisonment, fines etc by lying to the police department, the FTC and a MILITARY based credit union. | ||||||
| 08/09/2020 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I noticed authorized transactions being withdrawn from my account via XXXX XXXX and XXXX XXXX totally {$990.00} and I immediately called Navy Federal to file a claim. The the Navy Federal rep said I had to wait for the transactions to go from pending to posted before I could file a claim and once the claim was filed " provisional funds '' would be returned to my account while an investigation was launched. I waited for the charges to be posted and then I filled out the form sent to me via email on XX/XX/XXXX. Days went by and I had not seen the " provisional funds '' nor had I heard from Navy Federal regarding the investigation. I placed a call on XX/XX/XXXX to Navy Federal and was told because the transactions looked like I authorized the transactions in question, they were unable to reimburse me. They recommended that I contact XXXX XXXX and XXXX XXXX. They also said I had the option to appeal their decision. The same day I contacted both XXXX XXXX via phone and XXXX XXXX via email ( attached ). XXXX XXXX XXXX said they were unable to refund me the money because it came directly from Navy Federal. XXXX XXXX said that because the transactions were completed that they were also unable to refund me my money. On this same day I texted and called the number that was attached to the transactions that were sent through XXXX XXXX and the number was disable. I texted and called the number again on XXXX XXXX and still no reply Transactions total:XXXX 2 transactions from XXXX XXXX : {$140.00} and {$200.00} 3 transactions from XXXX XXXX : {$200.00}, {$200.00}, and {$250.00} I never authorized these charges and those funds were for me to return back to school on XX/XX/XXXX. It is horrible that Navy Federal is not willing to reimburse me when all they have to do is re-examine my past transactions and they will see that I have NEVER made transactions in this amount to XXXX XXXX or XXXX XXXX. My father is a retired vet and we have used Navy Federal for years and they way they have treated me as if I am a criminal and worse a liar is disheartening. All I want is my money back and I will open an account elsewhere. I have attached all the information I have regarding this transaction and will also be filing a police report. | ||||||
| 02/04/2021 | Yes |
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| A loan was fraudulently made in my name by Navy Federal Credit Union on XX/XX/2019 with a current balance of {$5300.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately. | ||||||
| 09/15/2017 | Yes |
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Web | Servicemember |
| My problem with the creditor was multi-faceted, and quite arduous. I originally opened an N-rewards credit card through Navy Federal Credit Union in XXXX while I was in the XXXX XXXX. In XXXX, I became XXXX for a short period of time, and was unable to work due to a chronic lower extremity problem that required XXXX to fix. Also, as many people did during the XXXX recession, I had EXTREME difficulty finding work. I contacted XXXX XXXX several times during this hardship which was ongoing until very recently, and asked for temporary hardship deferment. There were periods of time where I was awarded deferment, however there were also periods of time when I was refused deferment because I had no income. Navy Federal Credit Union does not offer hardship deferment or forbearance to members who have no source of income. This persisted on several occasions. There were times when I would not make payments for months because I did n't have the money. ( I survived on family assistance. ) Creditors would ask me how I was paying for my cell phone. How I was living at my address. They would say on several occasions that XXXX should do what they say they 're going to, and live up to their expectations. This verbal abuse occurred whenever I answered their calls. Over the course of this time, I went back to college, and used my XXXX XXXX. I worked XXXX jobs in order to attempt to pay the account down, but compounding interest on this account kept my NFCU account rolling over with another credit report each month. Over this time, my other debts were paid, with XXXX Bank and XXXX XXXX. I was given low interest opportunities through XXXX XXXX. They paid down those cards, and then paid them off completely with what I gave them. I tried to have XXXX buy NFCU 's debt, but Navy Federal blocked the request several times. In XXXX, without warning, my account was charged off during a period of unemployment that I recently had. Before the debt was assessed, I immediately requested a loan from family members for the remaining {$1000.00} balance that I had been paying on for 11 years. I paid it off the next day. However the damage that NFCU has caused to my credit rating for their unruly and unpredictable business practices is still there. | ||||||
| 06/07/2023 | Yes |
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Web | Servicemember |
| I have been a victim of Identity Theft since 2006. Accounts were open using my personal information in various states. I have been in constant contact with the Fraud Departments at XXXX XXXX, XXXX, Navy Federal Credit Union and XXXX XXXXXXXX XXXX concerning fraudulent accounts at each. XXXX XXXX actually investigated. They discovered it was fraud. They told me in writing that everything has been deleted and I no longer am responsible for the debt. However the debt amount has not been removed and still shows that I owe. My business on XXXX is suffering because I can not qualify or take advantage of certain perks of having a business on XXXX because they use XXXX products. And XXXX did not follow completely through with removing the debt despite writing me and telling me so. I intend to file a lawsuit against XXXX XXXX. XXXX, Navy Federal and XXXX XXXXXXXX XXXX have all been uncooperative and silent. Despite me providing both with documents and police reports they are attempting to victimize the victim. 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be fumished on my consumer report as they are in VIOLATION Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN GENE Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. WHEN NO CONSENT IS GIVEN THIS IS CALLED IDENTITY THEFT. As a consumer and victim I am demanding the deletion of any and all information pertaining to the fraudulent accounts opened at XXXX XXXX Navy Federal Credit Union, XXXX XXXX XXXXXXXX and XXXX be deleted MMEDIATELY. | ||||||
| 07/31/2019 | Yes |
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Web | Servicemember |
| I received a contract from XXXX to get a personal loan for XXXX. I gave them my bank ingormation ( Navy Federal Credit Union ) to transfer funds, they wanted to see if my account was in good standards so they sent XXXX in which i was told and have witnesses with me to take money out an send it back by going to XXXX XXXX an purchasing {$490.00} worth of XXXX XXXX cards to send money back. I never received my XXXX. I was calledXX/XX/XXXX by Navy Federal saying my account was compromised by a scammer an that the company made a fraudulent claim to take back my own money from bills i had already payed starting from the XX/XX/XXXX When i was told on a recorded line from Navy Federal about the activity i told them everything even tried to send the contract off my gmail, he told me they would take care of everything but couldn't receive the funds back. Now today XX/XX/XXXX im getting emails from my lightbill company saying my electricity check for the XX/XX/XXXX has been returned leaving us in the dark an now there is a negative balance in my checking account from Navy Federal saying I owe this money back to them on the XX/XX/XXXXt but was never told to me while i was on the phone the first time that i would have to pay this money back. Im losing both ways an i feel attacked, stupid, and vulnerable at the moment because i needed help with school supplies an clothes for my children. Why wasnt i told at first time talking to fraudulent people fro Navy Federal about this nor giving information on what the scammers took from me. The scammer or XXXX XXXX XXXX phone number is XXXX. Please help me get some better understanding on how this work i talked to people from the bank stating they cant do anymore to help me they wont even do a further i investigation which is why so many of us in the military commit XXXX or dont want to be apart of this country we serve because we put our lives on the line for everyone an cant even get any protection, help or understanding from our fellow people that say they're here to help. Please help me understand why an yes i know i made a XXXX up decision trusting this company but losing twice really hurts my whole family. If theres anything you can do please let me know. My name is XXXX XXXX phone XXXX | ||||||
| 03/23/2021 | Yes |
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| Navy Federal Credit Union wrongly denied my disputed charge. I was overcharged by a merchant in XXXX and submitted documents proving he charged me over ten times the agreed price. I spoke to the merchant about this multiple times, and he first said he would refund me only if I returned to XXXX, and then he pretended he didn't understand XXXX, though he understood it perfectly well when I was in the store purchasing the items. The merchant defrauded me. So I turned to my financial institution for help. I submitted a dispute to Navy Federal, but they performed only the most cursory of investigation, ignored the evidence I submitted, and then ruled against me. When I submitted additional documentation including a letter from a US merchant supporting the allegation that the amount I was charged was very far in excess of the value of the merchandise, they not only failed to refund me, they refused to even look at my case! They recommended that I talk to the merchant, the very merchant who defrauded me. The XXXX merchant and I agreed to {$1600.00} USD for a collection of handmade metal items. This is also the amount documented on the itemized invoice and the customs form. However, the merchant charged me {$16000.00}! When I brought this to the attention of Navy Federal, they refused to refund me! I subsequently submitted additional information, and they refused to even look at my case. They recommended that I talk to the merchant, which I had already done unsuccessfully. I have attached the document I submitted to Navy Federal with my second appeal. This contains the invoice, customs form, photo of the items, and letter from a US merchant supporting my case. I am a victim of fraud, and my financial institution refused to aid me. They are negligent in their duties under the Fair Credit Billing Act ( 15 U.S. Code 1666 ) and implementing regulation ( 12 CFR 1026.12 ). So I appeal to my government for help. I ask that you compel them to do their duty to treat me fairly in accordance with the law. Please use your authority to direct that Navy Federal refund me. As the act permits charges to be recovered against the financial institution for its failure to resolve a billing dispute, I ask that you direct them to do so for me. | ||||||
| 07/25/2017 | Yes |
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| XX/XX/XXXX CFPB Case # XXXX XXXX and XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX Please review the updated response/request from NFCU once my Payment Protection Plan Eligible was applied for the timeline in question. I dont know what to do next. I called NFCU about the status of posting the XXXX XXXX Funds to my NFCU account and to inquire as to why XXXX XXXX XXXX are still handling my account and planning to take me to court after the money was clearly posted and I clearly qualified for protection during the cancelation period. It is very frustrating that NFCU is not honoring that I qualify for coverage and my accounts should not be in collections. NFCUs response to my dispute in was : Coverage was canceled on XXXX XXXX Home Improvement Loan ending in XXXX on XX/XX/XXXX and coverage on the XXXX Account was canceled on XX/XX/XXXX. However, if the protected event occurred while XXXX XXXX coverage was in effect, she may still be eligible for Protection Activation. On XX/XX/XXXX XXXX XXXX XXXX initiated the contact to XXXX XXXX about my protection coverage. On XX/XX/XXXX I received a letter from XXXX XXXX stating Your credit union has notified us of your XXXX Please complete and submit documents On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stated that After a review of my request for Benefits for XXXX ; payment on my account have been WAIVED for the period of XX/XX/XXXX through XX/XX/XXXX. Now NFCU acts like the situation is resolved and it is not. I spoke with XXXX XXXX at XXXX XXXX Now that the XXXX XXXX has been posted, the ball has dropped again. The dates are in the timeline of the cancelation on my NFCU Accounts. XXXX XXXX XXXX stated that the situation was out of his hands and that he would reach out to a supervisor. I have constantly stated that I have every intention of paying my NFCU Debt in full however, it is clear that my accounts should not have gone to the outside collection agency of XXXX XXXX XXXX. I still have to communicate through XXXX XXXX XXXX for a payment arrangement that would not have come to past if the XXXX XXXX was posted as stated by XXXX XXXX Branch. Im not satisfied with the resolution. My court date is XX/XX/XXXX in XXXX County at XXXX XXXX | ||||||
| 10/22/2018 | Yes |
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| XX/XX/XXXX My complaint : Navy Federal Credit Union drafted my checking account for {$540.00} on XX/XX/XXXX for a debt in my sons charged off checking account. My son and I have a joint savings account with Navy Federal. My sons checking and savings account was charged off on XX/XX/XXXX. I called Navy Federal today to ask for my money to be returned to my checking account and why would my checking account be effected because of a debt that has nothing to do with me and the Navy federal customer service rep as well as the supervisor in the Charge Off Department repeatedly told me because I was a joint owner on the savings account which has a balance of {$0.00}, and the money was then transferred to the checking account owned by my son only, his previous balance was {$5000.00} after my checking account from drafted his balance now is XXXX. I took my son to the police station back in XXXX to file a police report about the his checking account being defrauded by someone else because he lost his ATM card, and a check was deposited into his checking account. I called them back for a second time today ( XX/XX/XXXX ) at about XXXX and they let me know we were on a recorded line and talked with the customer service rep and supervisor but this time I was told a whole different story that the debt was now in his savings accounts which I am a joint owner on, but the debt owed had been in his checking account from XX/XX/XXXX until today according to the supervisor in the Charge Off Department. All the correspondence about XXXX XXXX XXXX Navy Federal checking account came to XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX was only addressed to him not me. His savings account had and still has a balance of {$0.00} according to the customer service reps that I talked with on Saturday, XX/XX/XXXX and today at XXXX XXXX XX/XX/XXXX. The information didnt change until I started to asked them repeatedly how am I legally responsible for debt in an account that is not in my name. I didnt know this was legal for them to draft my checking account to pay a debt that is not in my name. I just want my {$540.00} put back into my checking account. If you need more information please see my contact information below. Sincerely, XXXX XXXX XXXX XXXX XXXX | ||||||
| 01/17/2021 | Yes |
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| I purchase a vehicle from XXXX XXXX. I am single mother with XXXX dependents and was sold a vehicle from XXXX XXXX dealership with the understanding that the car dealership was in the customer best interest. After driving the vehicle for a short period of time, the vehicle starting acting up. Then I started doing research after vehicle started messing up and found three recalls on this same vehicle which put me and my kids in danger. With this being, the contract was and should be considered unethical, which goes against the fair credit billing act. The car dealership also called my company for whom I'm employed with and started sharing confidential information concerning this vehicle. XXXX XXXX XXXX Recall Item Affected : AIR BAGS : SIDE / WINDOWDate Announced : XXXXDescription of Recall : XXXX XXXX XXXX XXXX XXXX XXXX is recalling certain model year XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX vehicles. In the affected vehicles, increased resistance in the driver and passenger seat mounted side impact air bag ( SIAB ) wiring harnesses may result in the SIAB and seat belt pretensioners not deploying in the event of a crash.Action Need To Fix It : XXXX will notify owners, and dealers will replace the affected harness connections with soldered connections, free of charge. The recall began on XX/XX/XXXX. XXXX owners may contact the owner center at XXXX, XXXX owners at XXXX, XXXX at XXXX, and XXXX owners at XXXX. XXXX 's number for this recall is XXXX. Note : Vehicles repaired as part of Customer Satisfaction Campaign XXXX and special coverage XXXX have already had the subject condition repaired and therefore are not included in the safety recall. XXXX XXXX XXXX liftgate up when open. These struts may prematurely wear and the open liftgate may suddenly fall. Action Need To Fix It : XXXX will notify owners, and dealers will update the software for the power liftgate actuator motor control unit so that the motor will prevent the rapid closing of the lift gate, free of charge. The recall began on XX/XX/XXXX. Owners may contact XXXX customer service at XXXX, XXXX customer service at XXXX, XXXX customer service at XXXX, and XXXX customer service at XXXX. XXXX 's number for this recall is XXXX. | ||||||
| 02/11/2019 | Yes |
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Web | Servicemember |
| CFPB is full of complaints against the Navy Federal Credit Union. I have filed a number of complaints attempting to correct my XXXX, XXXX and XXXX XXXX accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. Navy Federal Credit Union continues to report false information to each of the the three credit reporting agencies. Navy Federal Credit Union pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX ignored all this information and proceeded with collections. Navy Federal Credit Union then CANCELLED THE DEBT when they CHARGED OFF the account and issued a XXXX reporting the cancellation of the debt. Navy Federal Credit Union continues to report a PAST DUE amount of {$22.00}, XXXX. By law, Navy Federal Credit Union can not continue to pursue a debt they have cancelled. Navy Federal Credit Union can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by XXXX. Navy Federal Credit Union abandoned all claims when they charged off the debt and issued the XXXX to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. Accounts With a Negative Pay Status LENDERTYPEBALANCE NAVY FEDERAL CR UN COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name NAVY FEDERAL CR UN Account Type Credit Card Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX5 Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX Remarks Charged off. Canceled by credit grantor. | ||||||
| 09/05/2019 | Yes |
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| Navy Federal Credit Union has been notified on multiple occasions that there are 2 Credit Cards, and a Membership a savings and checking in which was opened in my name with Stolen Identification, After my wallet was stolen and the thief used the stolen identification online using a fraudulent address, To open a Fraudulent membership and credit cards. Online. Navy Federal Confirmed that these three accounts all had been opened online. This includes a Checking and Savings and 2 Credit Cards. Navy Federal when I call in refuses to assist me with this matter, and stated they have investigated and that I authorized the accounts, in which I didn't and that they have verified these. First of all you have to have family members in the military or have a spouse in the military to join. All of which I do not. Secondly, My Identification was stolen when my wallet was stolen. I notified the Credit Bureaus as soon as I could when I saw these fraudulent accounts. Navy Federal never called to clear the Extended Fraud Alerts on my credit bureau reports, before allowing the membership or accounts to be opened. They sent the cards to a fraudulent address, I never received any account documentation on these accounts either. They use the terms " our member '' when they are responding to complaints. They refuse to follow the law and investigate the fraud. I never authorized these accounts to be opened, I never received any account documentation. Your agents advised me these accounts were all opened online. Which again, I did not authorize. Navy Federal allowed a thief to open accounts and then accuse me of opening accounts that I didn't open nor receive. I am attaching a Valid FTC Affidavit. To this complaint. I want Navy Federal to immediately resolve the issues, as Identity theft is not a laughing matter. I believe Navy Federal takes this as a joke. I am a victim of a crime. I have not ever signed anything for your bank, I did not authorize any accounts to be opened. I will continue to report these accounts to the credit bureaus as Identity theft, because these are UNAUTHORIZED and opened from a thief. Please follow proper laws and investigate the actual crime. I am not your member, and I do not wish to be referred to as such. | ||||||
| 09/13/2017 | Yes |
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| On XX/XX/XXXX I have scheduled ACH from my Checking account at NAVY FEDERAL CREDIT UNION to pay my XXXX XXXX Credit Card in the amount of {$400.00} using Navy Federal online bill pay center. I have left only {$200.00} in my account DELIBERATELY to see what will happen with this transaction while there are insufficient funds in the account. I did that as a test before I switch everything ( checking and automatic bill payments ) from XXXX XXXX XXXX to Navy Federal. Navy processed the transaction on XX/XX/XXXX and on their bill pay online system it was showing delivered and there was a confirmation number. Day later I found out that it was not processed and I was charged with insufficient funds fee, {$29.00}. It was still showing delivered with confirmation number. Nothing in their online system indicated that this transaction did not process or that it was rescheduled. On XX/XX/XXXX ( week later ) I found out that it was processed AGAIN WITHOUT MY KNOWLEDGE OR CONSENT! This time there was more than sufficient money in the account. This is where things escalated : While speaking to Navy Federal Credit Union customer service representative, after insisting to know why the transaction rescheduled and processed without ANY INDICATION THAT IT WILL, representative informed me that they have a THIRD PARTY COMPANY THAT DOES THEIR ONLINE BILL PAY SYSTEM FOR THEM and Navy Federal has nothing to do with online bill pay system. Nothing on the online system shows, warns or indicates that I was leaving Navy Federal website and that I was redirected to third party site. It is all still ( at least it appears ) on Navy Federal official online banking website. Please refer to attached screenshots. What is the name of that bill pay processing company? What is their address? Website? Should I be warned that some other company other than Navy Federal is processing the payments I make trough Navy Federal portal? Should I not get " you are being redirected to another site '' warning? I believe Navy Federal online bill pay system is misleading and I have chosen to trust THEM with my finances, NOT some third party company. Please investigate, Kindest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cell : XXXX | ||||||
| 12/15/2023 | Yes |
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Web | Servicemember |
| My father was a Navy Federal Credit Union member. He had an auto-loan, however he passed away in XX/XX/XXXX. I continued to make payments, once all was settled, I contacted the credit union to advise of my fathers passing. It took them months to determine they would talk to me. I provided death cert, heir-ship documents and all my contact info. I was finally assigned a case specialist in XXXX XXXX in XX/XX/XXXX. To date still have not heard from that person. I continued to call explaining story over and over. On XX/XX/XXXXXXXX the car was repossessed. When i called to find out why as it was not delinquent, I was told in the state of TX a lien can not remain in deceased persons name for more than 12 months. I explained I have been trying to work with them for sure a solid 6 months to resolve and have gotten no where! They finally assigned me to someone in the settlements department which has been an additional nightmare. The remaining loan balance was {$9700.00}. I was told to submit an offer which I did, {$7800.00}. Took another month for them to accept. I was told if I open an account that would likely make the process easier when trying to get approved for the loan so I did however my loan was declined so I went with plan B and was going to use credit card to pay-off. When I called to make the payment, I was told they don't accept credit card payments. I explained its not a Navy Federal card and no one ever explained what payments are or are not acceptable nor have I ever received anything in writing about this process, i was told its their policy. So now I am back to square one. The case manager that I was working with said she requested extension to give me more time to payoff lien of {$7800.00}. I countered again to {$7000.00}. She advised extension was approved through XX/XX/XXXX. I withdrew from my XXXX to pay lien. I called today to find out if counter off was accepted and I was told the car is up for auction. I requested information to speak with the agent that was helping me and requested to escalate to management and was told it's almost XXXX so all departments are gone. The process alone is frustrating but to be going through this in the midst of losing of a loved one is absolutely horrible! | ||||||
| 04/09/2023 | Yes |
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| In XXXX, my newly opened account with Navy Federal was restricted access because someone attempted to change my address multiple times. In XX/XX/XXXX, after placing a call to get my account unrestricted, I was told that I needed to send my identity and address verification documents to XXXX. For a month nothing happened. In XX/XX/XXXX, after calling the Navy Federal customer service center, I was again told to send my identity and address verification documents to XXXX. Two months went by and my account was still restricted. On XX/XX/XXXX, I again called the Navy Federal customer service center and expressed that I have not had access to my account for almost a year. The representative again told me to send my identity and address verification documents to XXXX. The representative waited on the phone until I received a confirmation email that the department had received the documents. The representative said give it a few days. After several days, my account was STILL restricted and I still had no access to it. On XX/XX/XXXX, I called the Navy Federal customer service call center again and this time asked to speak to a supervisor. The supervisor told me that unfortunately I was given the incorrect email and department each time I called for the last year and I should have been sending my documents to XXXX. The supervisor waited on the phone until I sent the documents to that email and he also reached out to the appeals department to ensure they received the documents and confirmed that they did. The supervisor advised me that it would take up to 14 business days to review the documents and un-restrict my account. After a month went by, I called Navy Federal customer service again to check why my account was STILL restricted after doing everything and jumping through all the hoops. The Navy Federal rep said that the security appeals department was backed up and to give them another two weeks. I have called every 2 weeks since then and I get the same response- they received the documents and please give them another 2 weeks. It has now been 3 months since I sent my documents to XXXX and it has been a year since I have had access to my account. I just want to access and be able to use my account. | ||||||
| 12/01/2021 | Yes |
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| I have reason to believe and do so believed i was discriminated against by this company due to the response they sent. I acted in good faith and was denied credit which is a direct violation of 12 cfr 1002. I have been banking with this institution for little over a year and have been having alot of issues with this bank as well as countless denials for credit cards and credit for auto loan ( s ). This notice is a notice that I am rejecting this offer to deny me the right of credit pursuant to 15 usc 1602 OFFER REJECTED NOTICE ATTN : Navy Federal Credit union XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This correspondence is in regard to the application submitted on XXXX XXXX, 2021, reference no./application XXXX. Which an adverse action letter was received on XX/XX/ 2021. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. You meaning Navy Federal Credit union and any of its agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing. Legal proceedings may be enacted if dishonored. Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation : | ||||||
| 04/17/2023 | Yes |
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| About XX/XX/XXXX I called Navy Federal Credit Union about a home equity loan. I was transferred to Mortgage department and spoke to a man who gave his MLS #. I said there is a first mortgage and another lien. When he asked what was owed on the other one I said about {$10000.00}. When he asked what was the original amount I said about {$40000.00}. I then explained no payments are due on that lien as it was structured where after 5 years it would be paid in full. Each year the amount would be forgiven by 20 % until year 5 where balance would be reduced to XXXX. XXXX is the start of year 5. Its paid in full around XX/XX/XXXX. XXXX XXXX sent me an email requesting two different items. Per XXXX on one occasion the underwriter wanted proof I was a telecommuter employer with a letter from my manager. On another occasion after I sent documentation showing my HOA fee had been paid, XXXX said the underwriter was requesting a formal letter from my Homeowners Association on the HOA letter head. I went online and emailed her the standard document from the HOA website. I then called her and she said Oh Im reading it now. Ok this is fine. She NEVER sent it to underwriting. It appears underwriting did not request any of those documents. She did this to delay the long process. Unethical. On XX/XX/XXXX I received a call from XXXX XXXX who stated she was setting the closing up for week of XX/XX/XXXX. On XX/XX/XXXX XXXX called and said the title was denied due to a silent lien on the property. I explained that lien was disclosed at the time the application was taken. She said Im sorry you was misinformed. Navy Federal made the mistake. I was disclosed the lien at the time the application was taken. XXXX who seemed giddy almost laughing said the title review shows a balance of {$43000.00}. I said the title review is wrong. XXXX then stated the only way to do the loan was for the customer to agree to increase the loan amount by {$43000.00}. I said that makes no sense when the amount owed is {$10000.00}. This has got to be illegal. I asked for a supervisor she said shes busy. I asked to be transferred to her voicemail she refused to transfer the call. How many other customers have they done this to? | ||||||
| 03/27/2023 | Yes |
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| Hello! I have never missed any payment for anything in my entire life. Due to an error of Navy Federal Credit Union, my credit score has been significantly decreased and I am unable to purchase a home. Please remove the {$12.00} error from Navy Federal Credit Union that has significantly impacted my otherwise perfect credit. I opened a Navy Federal Credit Union Credit Card to pay for a medical procedure. When I was able, I paid off this account in full. I paid in full. I assumed that was it. Navy Federal said that I didn't pay the {$12.00} of interest on the amount I paid off and sent that amount to collections. I never received a phone call about this amount. I never received a text message about this owed. I never received any mail to my house about this until I got a letter in XX/XX/2022 saying I was 60 days past due on {$12.00}. As I had already paid off this account, I was confused. Also I didn't understand how they NEVER CONTACTED ME IN ANY WAY about this {$12.00} owed. I immediately paid but this has now beed reported to the credit bureaus and has significantly impacted my credit score. How can a bank plummet someone's credit over {$12.00} that they never knew they owed? If I am not contacted about an amount I owe, I can not pay that amount. I am happy to share my phone records or records of USPS scans of incoming mail to my house. I never received any contact from Navy Federal Credit Union over this {$12.00}. I'd like this {$12.00} past 60 days due off of my credit score reporting but I contacted Navy Federal and they said they were unable to help. They were not helpful. I would never do business with them again but I hope the CFPB can do more. People should not have their credit ruined over {$12.00} that they didn't know that they owed. The bank should have to show that they contacted the person before they sent it to collections. I am happy to show I was never contacted in any way until I got a letter saying I was 60 days past due. This has impacted my credit score by at least XXXX points. I would have otherwise perfect credit if it was not for Navy Federal Credit Union 's poor policies. Now I likely can not buy a house over this {$12.00} issue. Please do not let this happen to other people. | ||||||
| 09/03/2020 | Yes |
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| This letter serves as a formal complaint about Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA, XXXX - XXXX. This complaint is in regards to disparate refinance application practices, lack of communication, dealing in bad faith, and failure to follow through with closing on our refinance application after granting conditional approval and instructing us to pay for and obtain an appraisal. We first submitted loan documents to NFCU on XX/XX/2020. As of today, XX/XX/2020, NFCU has not closed our refinance. Upon submitting documentation on XX/XX/XXXX, we did not hear from our processor from NFCU until XX/XX/XXXX. Her name was XXXX XXXX. Most of our inquiries to XXXX either went completely unanswered or her responses were delayed for weeks at a time. We were so frustrated that we obtained the contact information for XXXX supervisor and reported her lack of engagement with us. XXXX was ultimately removed from our loan and a new processor assigned. On Friday, XX/XX/XXXX, we received notification that our loan was reassigned to XXXX XXXX, who is the current mortgage processor on our refinance loan. We received our conditional approval from Navy Federal on XX/XX/XXXX. We were instructed to pay for and schedule the appraisal, which we did. The appraisal was conducted on XX/XX/XXXX and we received the results of the appraisal on XX/XX/XXXX. We replied to all NFCU inquiries within 24 hours and submitted all requested documents within 24 to 72 hours of the request. NFCU has pulled our credit reports twice. And still, as of today, XX/XX/2020, they have failed to follow through to close our refinance, or to reply to our inquiries about the delay in closing. During our application process, XXXX also requested that we submit sensitive information via email, which is a practice that could be harmful to applicants. We are asserting that they are engaging in disparate practices, failing to communicate with us in a timely manner ( sometimes not at all ), and not moving forward in good faith. We have complied with all of their requests, including paying for an appraisal, and they continue to be largely unresponsive. We ask that NFCU be investigated for disparate practices, fraud, and applicant mistreatment. | ||||||
| 12/06/2023 | Yes |
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| NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account numberXXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Navy Federal it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : [ Navy Federal XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23. ] Your company is in violation of the FCRA and XXXX XXXX and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) { XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 } you reported transactions from to my consumer report. does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or experiences between the consumer and the person making the report ; The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer XXXX remove transaction from the report | ||||||
| 07/06/2021 | Yes |
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| I applied for job on XXXX for an XXXX XXXX position for a school. The listing was taken off the website, so I figured someone took the position, however, a person named XXXX emailed me and said she would send my email to a partner for a XXXX XXXX job. The job described that I would be running personal errands and the money would be for donations ranging from foster care to invoices to colleagues. We exchange information and the partner of the school said I was to start the following week, which was the week of the XXXX of XXXX. On the XXXX, the first purchase was for a XXXX XXXX XXXX for XXXX, and yesterday for a XXXX money order which was split into 3 orders : 2 for {$1000.00}, 1 for XXXX. I got an inkling to check my bank account, only to see it was overdrawn. I called my bank and they notified me that the check bounced. I did further research to see if any other XXXX XXXX jobs had the same format of wanting to have people be XXXX XXXX for approx, 30 hours per week and for a set price per week, and for helping donate to foster care systems, to which I found plenty. I also went ahead called the school district, XXXX XXXX XXXX to verify if they were the ones who hosted the job listing, to which it was verified they did not, but they did have it for a XXXX position which has already been filled. I went to the bank Friday with photocopy evidence of our exchange to show that I truly thought it was a legitimate job offer, and that I wouldn't deposit a fake check as a member who just got my account out of the negative due to being homeless and unemployed. My bank will not reverse the funds, even though the representative I spoke to Monday inspected the check, and a different representative I spoke to Friday stated that this was a " common thing '' that happens, which I found odd because why not place proper protocols for people who are innocent so they won't be at risk?? The money orders were sent to an address in XXXX, TX, which they may not be at anymore. They money orders also have serial numbers to the which I have, AND I sent an email to XXXX card balance right now, as well as forward emails of the listing and the exchanges. I've filed a police report, FTC, Internet crime report, USPS, the whole nine. | ||||||
| 03/16/2020 | Yes |
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Web | Servicemember |
| Re : Navy Federal Credit union Installment loan I disputed the referenced accounts above on with XXXX & it was deleted XX/XX/2019, I have proof. The credit report of XXXX ( notification it was removed ) and your report # shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. | ||||||
| 12/05/2022 | Yes |
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Web | Servicemember |
| On the morning of XX/XX/2022 at approximately XXXX after a week, of trying to request a letter from Navy Federal Credit Union about a PAID IN FULL letter, I was instructed that if I went to the nearest facility, which is located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX, that the letter that I requested going on a month would be at that branch. I drove to that branch on the morning of XX/XX/XXXX, at XXXX and walked in the branch and spoke with a gentleman by the name of XXXX, who stated that he was the Branch Manager. I told him why I was there, and he instructed me that he would have to sign me in and that I would have to wait for a Representative, and to take a seat in the lobby. I said well the letter should be here, its just a letter that is impeding my employment, and this was the 5th time that I have visited this branch for the letter, and numerous phone calls. Don't get me wrong I was upset due to the fact that is one particular piece of paper that I needed is impeding my employment, and have asked numerous times for it, and was told that it was at the branch, wasting gas to drive back and forth out of my way to this branch. I sat their not happy, and was having a conversation with a lady that was in the same branch of service at the same time as me, and we were just talking about " XXXX XXXX XXXX XXXX' This gentleman XXXX XXXX had the fortitude, to walk up between the lady ( another customer ) and I and start explaining to me about this particular letter, and what it was concerning, to include what the letter was about, and where is was coming from, including financial monies that was included in this particular letter. I was XXXX XXXX and XXXX I asked him was his name was and at first he told me, that he did not have to tell me what his name was, and he asked me to leave, I looked at him, and said " I want your name, and I will leave '' He stated that his name was XXXX, and that he was the Branch Manager '' I used explicit word because for him to shout my financial information in a public lobby with 40-45 people in this small branch, was uncalled for, and not professional and to me, that was illegal. You don't talk about someone's finances to the whole branch, including employees and customers. | ||||||
| 01/30/2022 | Yes |
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| After opening a new account, wiring money over to the new NFCU account, and while waiting for my debit card to arrive in the mail from Navy Federal Credit Union in late XX/XX/2019, my debit card was stolen from the mail and activated without my knowledge/permission and used On XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, CA to fraudulently withdraw {$6300.00} from my account. When I checked my account and noticed these funds were stolen from my account a few days later I immediately called NFCU and informed them about this situation. They basically told me they were not liable for this instance of fraud taken on my account and denied my claim to reimburse me for these fraudulent charges. Again, I was never in possession of this debit card ( as this was a new account ) and the pin number was yet to be created, so the individual who stole my card only needed to find the last XXXX digits of my SSN ( which is easily obtainable to find online since he knew my name and address ) to activate my card and create a pin number. Even after I filed a police report with XXXX XXXX ( CA ) and an investigation was underway to find the individual who stole the funds from my account, NFCU still denied my claim. The individual who committed the crime was eventually identified, charges were filed, an arrest warrant was issued by the XXXX XXXX and the criminal is currently on the run. The case number is XXXX in the XXXX XXXX XXXX California XXXX XXXX of XXXX ( see attached document ). After providing NFCU with this documentation, again, NFCU denied my claim and stated " I need to sue the individual who stole my debit card for the stolen funds ''. NFCU has still yet to offer any help or resolution for their mistake. When the card and new pin number were activated I did not receive any alerts. Also, when the money was being taken out there was no alert given to me either. I also questioned how the criminal was able to take out $ XXXX of my account at an ATM in one day with zero fraud alert or holds and they were unable to give me a reasonable answer. This has been a hardship on me and has been poor service by NFCU Person of contract from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX desk XXXX XXXX | ||||||
| 06/15/2021 | Yes |
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Web | Servicemember |
| My husband and I bank with navy federal. We recently sold out house and receive a {$2900.00} check that we cashed on Sunday XX/XX/XXXX and we called on XX/XX/XXXX to make sure the funds were going be receiving the funds because we have car payments that were coming out soon. They said it should come out between the time frame of XXXX to XXXX standard time that night. We wake up on Tuesday XX/XX/XXXX with our account negative {$5500.00}. We instantly called the bank, my husband called before I did because he has XXXX and I was asleep. But, the lady on the phone with my husband wasnt comprehending there was no way our account was negative that much and she basically told me husband to control his spending. He told her theres no way with the payments we recently made that our account would be negative {$5500.00}, the lady finally found the issue and it was because of our check, she had informed my husband that the check was on a hold a due to the mortgage company sending a confidential message to not release the funds so as soon as I heard that I got on the phone with the mortgage company and they had no idea what this lady was saying, they read the check number off and even said they should not be having issues with the check. My husband gets very upset with the lady because how are we getting penalized for a check we cashed and they are the ones putting the hold on it. How is our account negative because of that. So she winds up transferring her to the manager and the manager basically told us there is nothing we can do. They wouldnt let us know what the confidential message was about even though it was about our account and our check. All together my husband and I are going to pay off all our loans and transfer banks because we have pills and car payments coming out and now our credit is going to get messed up because navy federal can not release our funds and can not give us a very good reason on why not because the reasoning changed 2 times with the female and then 2 times with the manager. We have had nothing but issues with this bank and we are done. We do not recommend banking for a with navy federal they claim they help the troops but couldnt help my husband at all. ( He is XXXX XXXX XXXX ) | ||||||
| 07/18/2023 | Yes |
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Web | Servicemember |
| Urgent issue - 2 month process ... Made up HOA fees, and other supposed liabilities. Given incorrect answers and suggestions based on false information -- ex., no you can not provide a market analysis or prove that you have a property manager to verify that you plan to rent out your current home and buy a new home BECAUSE the VA says so, then its because NFCU says so, and then its because my superiors said so. The VA allows for the things above and a three way call was conducted to prove that. No accountability after being proven wrong, just deflection and new changes to debt that were made up.Then, it's you can turn in your car and provide a signed lease and that will fix the exaggerated debt that they added/made up. Fabricated debt was confirmed by an employee on XX/XX/23 but was suspected a few weeks before. The request for the written breakdown was finally submitted after multiple requests and it seemingly intentionally omitted the falsified numbers that were concocted. False debt numbers inputted into our loan application on multiple occasions to make sure our debt remained high even after paying of the nine credit cards which improved our credit score. Would like assistance for someone to review our account with me. An updated loan estimate has not been provided since XX/XX/XXXX. Dishonest responses about the reason why potential rental income could not be used and no accountability when proven that the VA allows it, based on chapter 4 in the pamphlet and the correspondence we had with the VA on a three way call. Excessive tasks and constantly changing DTI percentages even when debt is paid down. Excessive email correspondences to hide and cover up the errors. Hang ups and no return calls from the next person in the chain of command. Constant changes in the potential closing dates by finding out that our information was never sent to underwriting. Incorrectly documenting that we are frustrated or any other emotion about the process. It has been two months since we reached out to start the process and our rate lock is expiring this week. Time is of the essence. A constant request to submit a signed lease or turn in our leased car although the numbers aren't adding up to merit such actions. | ||||||
| 03/05/2023 | Yes |
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| There is an account on my credit profile from NAVY FEDERAL CREDIT UNION with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between me, the consumer, and NAVY FEDERAL CREDIT UNION would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I have not received any debt validation notice from NAVY FEDERAL CREDIT UNION as they were lawfully required to provide to me, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that NAVY FEDERAL CREDIT UNION has sent a debt Validation Notice to me, the consumer. Written and verbal communication directed via FDCPA was not provided to me, the consumer ; allowing me to properly dispute this invalidated debt. | ||||||
| 09/09/2018 | Yes |
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Web | Servicemember |
| I have an old credit card account with Navy Federal credit union. Through this complaint forum, or through credit disputes, is the only way that I can contact Navy Federal, as they refuse to talk to me, even though I am still a member. I have a charge off that I am making timely payments on with them, as per a written and signed agreement. This agreement is filed with the XXXX County Courts for record. This is reporting as a " Charged off Account '' on my credit report. However, it has been " TRANSFERRED '' to a Navy Federal Credit Union Lawyer, XXXX XXXX for collection purposes. A charged off account usually indicates it has been transferred, often with a statement on your credit report that says, " Transferred ''. My credit report needs to include a new account entry, most likely from Navy Federal or Mr XXXX, for this debt. The entry showing " Transferred '' is now going to be the active account entry in my credit report, not " Charge off ''. The term " TRANSFERRED '' is neutral. It also can be associated with a positive history when Navy Federal transferred the account to Mr XXXX and I continue to make timely re-payments. There would be no negative impact from the transfer. Scores would simply reflect if all payments were made as agreed after the transfer. Indicating transferred on my report will also help me more easily track the history of the debt from the original lender, Navy Federal, as I continue to make timely payments. I have been making timely payments for many months now. I have proof, in the form of cancelled checks, enclosed. I also have a letter, from the collection agent, Mr XXXX, to whom I make these payments, this is not Navy Federal. Since Navy Federal has written off this debt and transferred it to Mr XXXX, and they refuse to talk to me and won't update my credit report, I ask for review from the CFPB. I also ask kindly, again for Navy Federal, to please update my credit reports. They should read, " Transferred '' $ XXXX monthly payments, " paying monthly '' ... Not " Charge off past due '' ... Please review enclosed documents and update. At the very least, update my report to " Charge off paying monthly '', {$320.00}. Which is the Gods honest truth of the matter. | ||||||
| 03/18/2019 | Yes |
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Web | Servicemember |
| XXXX XXXX, Resolution POA Specialist, XXXX, extension XXXX, has blocked the account and refuses to allow the member or the Power of Attorney Representative to withdraw any of the funds or transfer the funds. She wants the account closed and the funds to be paid to her. She has responded to the XXXX XXXX XXXX that the member may close the account over the phone or in writing but refuses to transfer the funds to another account, release the Power of Attorney. XXXX serving XXXX XXXX DC XXXX XXXX Pennsylvania Print To : XXXX XXXX XXXX Subject : Message received from the business about your complaint This message originally read on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : Complaint ID XXXX ; Navy Federal Credit Union Dear XXXX XXXX : The company responded to your submission and we are passing it along to you. The contents of this message are below or attached. Please respond to this message in written form within 10 days. The text of your complaint may be publicly posted on XXXX Web site ( XXXX reserves the right to not post in accordance with XXXX policy ). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX may edit your complaint to protect privacy rights and to remove inappropriate language. Sincerely, XXXX XXXX Dispute Resolution Analyst XXXX Phone : XXXX MESSAGE FROM BUSINESS : This is in reference to the follow-up complaint we received on XXXX XX/XX/2019 from the XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. The complaint was originally assigned an ID number of XXXX. We have reviewed XXXX XXXX concerns. Navy Federal reserves the right to decline a Power of Attorney ( POA ) if the document does not meet our standards. Should the Principal choose to close her Navy Federal accounts, she may submit her request in writing if she is unable to do so by visiting a branch or contacting us by telephone. If XXXX XXXX has any questions, she may contact XXXX XXXX, XXXX XXXX XXXX, at XXXX, extension XXXX, between XXXX XXXX. and XXXX XXXX., Central time, Monday through Friday. | ||||||
| 08/17/2017 | Yes |
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| I am writing to dispute the following information in my file. I recently reviewed my credit report. The credit report shows multiple inquiries i dont recall authorizing. I understand that you shouldnt be allowed to put a inquiry on my report unless i authorize it. Please remove as it is making it hard for me to acquire credit. Navy Fcu Inquiry from XXXX XXXX 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX3, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXXXXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 + Credit Union Navy Fcu Inquiry from XXXX XXXX, 2017 | ||||||
| 03/08/2020 | Yes |
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Web | Servicemember |
| My now x husband stop paying the mortgage XX/XX/XXXX and I was not notified until XX/XX/XXXX {$2600.00} behind. I asked why was I not told they said they did not have my info. I am not the co buyer and by law the have to keep me informed of this mortgage and if they don't have my info it is there fault need to my I spoke to several lawyer and was told that is against the law and I hired one to sue. They found me a year letter to send the letter which show that they could find me. Now I'm in forclosue band they have a sell date. I got papers the end of XXXX stating they were going to restart the forclosue and I called on the 6th with a company to help my with this problem and was told about the sell date. Again if I had not called I would not no that the forclosue was started the letter said they are going to the court to start and to this point I have nothing in writing saying I'm in forclosue or they have a sell date so I would not know I have to do something to stop this like I'm saying Navy Fed does what they want and I suffer for it because I never know what's going. They can forclose for non payment and the law helps but no one says anything about me not knowing they were not getting paid nor did I have the option to pay cause I did not know. They use to take the payments out if my cheacking account but they stopped so I thought it was being payed. I had XXXX at on time XXXX another time and they took nothing after telling if the money was in the account they would but they did not even tell me anything until the money was gone GO FIGURE. I'm not stupid they know when I have money and when I don't. They go to the court like I'm a dead bet not paying my bills and it's working no one knows I did not know to pay thats why I am sueing because again I was told their actions on not legal. If the people that I'm working with now had not called they could sell my house before I could do anything. They do not do truthful or honest work. I did not no my x stop paying because the note was a draft from his paycheck so I had no way to track it but again no way one told me he wasn't paying and they were not pulling from my account which they said they would so I thought everything was good. | ||||||
| 03/31/2022 | Yes |
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Web | Servicemember |
| I Consumer, XXXX XXXX extended credit to Navy Federal Credit Union ( NFCU ) entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act. Upon review of my right and reports I submitted a dispute to the credit bureaus requesting the Navy Federal account listed on my consumer report that I provided in the attachments be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. There is no law that states that anything has to be reported on my consumer report but there are multiple laws that state that the consumer has a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information. | ||||||
| 01/10/2022 | Yes |
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| I the natural person am writing this complaint on behalf of myself and no other. Congress makes the following findings that an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. I recently applied for an increase on my navy federal cashrewards visa account and was denied. Navy federal then furnished an adverse action letter stating on the front that I have reached navy federal 's maximum unsecured credit limit. Which is false because my sister has $ XXXX limit. Adverse means ill will, opposed to, contrary interest. I the consumer have an unlimited open end credit plan. I know the truth when I enter into a credit app. Navy federal is acting adverse to administer myself credit to make them a creditor and extend myself my own credit. Navy Federal is acting with an ill will they are being hostile, deceitful, and fraudulent towards me. When I first applied for the card they pulled from XXXX. Why did they switch up? Why not ask me who I rather them pull from? They then went on to say that the credit reporting agency played no part in their decision. When I turn the adverse action letter over it than states my credit score and key factors that adversely affected my score all from XXXX. The reasons they have listed are serious delinquency, length of time accounts been established, too many accounts with balances, and lack of recent bank revolving information. to the illegally furnished information that XXXX is reporting without my consent I was denied. Navy federal denied me because of nonpublic information that they purchased from XXXX whom humiliated me and got denied. Where did XXXX get this information from they need to tell me who are the neighbors and family members they interview to get this information. Pursuant to 15 USC 1681d ( d ) ( 3 ) CERTAIN PUBLIC INFORMATION IS PROHIBITED. Pursuant to 15 USC 1681d ( d ) ( 4 ) consumer reporting agencies shall not prepare or furnish certain adverse information. No where in the FCRA does it state that you need a credit score to get an increase. Navy Federal and XXXX is now civilly liable for negligent noncompliance. | ||||||
| 08/21/2021 | Yes |
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| This letter is regarding account # XXXX which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX | ||||||
| 03/21/2023 | Yes |
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Web | Older American |
| I live in XXXX XXXX XXXX My bank is Navy Federal Credit Union ( NFCU ) and its Bill Pay service appears to be through XXXX. There are several problems with NFCU 's Bill Pay. ( 1 ) It does not mail out paper checks so that they arrive in a timely manner on the date I requested. ( 2 ) It steals the money from my account before the check is deposited by the payee. ( 3 ) It often steals the money from my account before the check is even received by the payee. For example, last year I requested that it send {$500.00} to my church by a certain date ( viz., I donate to my church each month in the same manner, same amount ). However, this particular month NFCU 's Bill Pay apparently mislabeled the envelop so that the check never reached my church. Nevertheless, Bill Pay took the money from my account on the date I originally scheduled the payment. Eventually the envelop was returned to Bill Pay as undeliverable with the check still in it. Bill Pay eventually returned the money to my account after keeping it for over one month. I only found out about it in XXXX when my church sent me my charitable giving record. when I complained to the NFCU and Bill Pay demanding that money not be taken from my account until the check was deposited, they both responded as if their actions were common procedure and made no assurance it would not happen again. This year at the beginning of this month, I requested that Bill Pay send {$500.00} to my church by a certain date. On that date, Bill Pay took the money from my account. However, when I contacted my church to check if it received payment. They told me that they had not received the check. When I complained to NFCU and Bill Pay demanding that my money only be taken when the check was deposited, my money was returned to my account. Then two or three days later, my church informed me that they received my check. But when they attempted to deposit it, they were informed there was a " stop payment '' on the check. ( 4 ) Bill pay did not ask or inform me before putting a stop payment on the check. When I complained to NFCU and Bill Pay, they both responded as if it was their common practice and procedure and made no assurance it would not happen again. | ||||||
| 09/20/2023 | Yes |
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| Under the Fair Credit Reporting Act ( 15 USC 1681 ), it is essential to ensure that consumer reporting agencies act with fairness, impartiality, and respect for consumers ' privacy. XXXX and XXXX are such agencies, and as a consumer, you have the right to safeguard your private information, as reinforced by 15 USC 6801, which emphasizes the Congress 's policy for financial institutions to protect customer privacy and data security. Moreover, any financial institution, including " Furnisher of information to credit agencies, '' falls under this definition. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish your consumer report if you provide written instructions to do so. XXXX, XXXX, and the financial institution ( Furnisher of information to credit agencies ) do not possess your consent or written authorization to share this information. In addition, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing consumers of their right to prevent such disclosure. However, ( Furnisher of information to credit agencies ) did not inform you of this right. Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in your report without authorization, except for certain criminal convictions older than seven years. The account they are reporting without your permission violates this law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that no one should provide inaccurate information to consumer reporting agencies knowingly or with reasonable cause to believe it's inaccurate. XXXX and XXXX might be in violation here. Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies must maintain procedures to avoid violations of section 1681c and limit the distribution of consumer reports to authorized purposes, as specified in section 1681b. XXXX and XXXX 's procedures may not be in compliance. Finally, 12 CFR 1016.7 states that consumers have the right to opt out of reporting services at any time. Therefore, you are choosing to opt out of their reporting services. | ||||||
| 10/26/2022 | Yes |
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| On the night of XX/XX/2021 Navy Federal sent XXXX XXXX XXXX ( Tow Truck company ) to commit Grand Theft Auto at my private domicile. Unaware of what was taking place on that rainy night my tribe and myself were startled to the sounds of the assailant. Unaware of who the individual was or what was going on I for the protection and safety of my offspring domiciling within I did not intefer with what was raking place. This was after bankruptcy in a Global Pandemic after dehbilitating XXXX all of which Navy Federal was privy to and still decided to orchestrate such a heinous and egregious act against consumer/creditor and his offspring. According to congress financial institutions were warned because of this level of predatory behavior. It is a known fact that Banks can not loan money 12 USC 1431 ( b ) Navy Federal alleged that there was a debt owed; but 18 USC 8 makes it very clear that all " debts '' belong to the United States. Again the " alleged '' debt was discharged in the bankruptcy and Navy Federal was well aware of this. There was never a moment where they offered to assist and issue title at all. Instead they plotted and pirated on consumer/creditors tribe and offspring serious of unfortunate events. In additiion Navy Federal violated 12 USC 83. This repossesion affected work and our domicile duties causing a snowball effect we have yet to recover from. There was no repossesion notice furnished neither in the ordeal. Navy Federal never offerd me the Right of Recession in 15 USC 1635. Navy Federal violated the Fair Debt Collections Act, 15 USC 1692. The repossesion company never showed or issued any debt collection license. There was never any enforcable security interest under 15 USC 1692f ( XXXX ) ( A ). On the Promisary Note the Grantor a legal fiction is listed XXXX XXXX XXXX that is not consumer/creditor and is listed as the Guatuntor. NAVY FEDERAL is a corporation and can not sign and did not sign which is a violation of contract law. Equal value was supposed to presented to the agreemnet in which it was not. Consumer/Creditor Secured Crditor/ Beneficiary was taken advantage of. Upon original financing conveyance was paid upon the signature of Consumer/Creditor. | ||||||
| 03/11/2023 | Yes |
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Web | Servicemember |
| I have reached out to the creditors on many occasions letting them know they are violating my federal rights, pursuant to the fair debt collection practices act and fair credit reporting act along with local state laws please note that I am requesting these items be removed from my credit file from all the major credit bureaus please also be aware that any negative marks found on my credit reports including XXXX XXXXXXXX, XXXX, XXXX XXXX or from your company or any company that you represent, for a debt that I don't owe is a violation of the FCRA/ and FDCPA under USC : 1681 You must request all credit reporting agencies to delete the entry.Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Nelligent, Ehablement of Identity fraud.and violations of the fair debt collection practices, Act including but not limited to Section 807-80 ) Violation of the fair credit Reporting Act I have no Acknowledgment of any items being reported. Thanks In Advance ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge, Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 06/24/2020 | Yes |
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| Hello, I was a college student with a wonderful credit. I went to a car dealership ( XXXX XXXX ) to look at used cars and I didn't find any cars. One of the dealership employees showed me a car that he had outside of the dealership. That he was selling to me personally.I agreed to accepting that car and he continued to run my credit for Navy Federal Credit Union at the dealership on their computer. I was approved for about XXXX dollars. I was able to pick up the check from XXXX XXXX, pay the employee and accept the car. XX/XX/XXXX. Months later I received a notification stating that I wasn't a member of the credit union and that I needed to provide more information to the bank. I went into the bank, provided multiple proofs of resident information, ID, and more documents. They accepted it, made copies etc. Weeks later they're still asking me for information to verify that I am a member. They then told me that I couldn't refinance my car because I wasn't a member. They denied access to my entire profile. I was away at school in New York and couldn't even make payments online so I fell behind payments. I was only allowed to make payments physically. I spoke with a representative over the phone about the situation and they told me to write a letter. I wrote a letter and sent it to them. ( Dated : I stopped paying this institution because I feel like I was manipulated at a young age and it seems like it was an internal scam. Applying for the loan at the dealership, picking up a check days later, weeks later stating that I wasn't a member ) How was I not a member if I was approved for a loan? Please help me. I am now in my mid twenties and this is affecting my credit score very badly. I spoke with another representative today XX/XX/XXXX ( XXXX ) in the recovery department. He said I am a member and still need to provide identification? I do not want to be a member anymore. I would like for this loan to be deleted completely and sent to all of my credit bureaus for internal fraud. XXXX XXXX ( The car dealership ) XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Get Directions Highlights info row image ( XXXX ) XXXX Navy Federal Credit Union XXXX Vehicle ending in XXXX | ||||||
| 07/10/2017 | Yes |
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| I am a XXXX who has been working with my clients for almost a year and a half. My clients are from XXXX and are retiring here in XXXX. I began this process with them inXX/XX/XXXXwhen we meet in XXXX XXXX XX/XX/XXXXto discuss their particular situation and when they were looking to move here. I knew that they would not be moving till spring/summerXX/XX/XXXX but would be coming to XXXX frequently to see homes that interested them. About 9 months into the process I received an email from my client that she had been working with Navy Federal Credit Union on their preapproval and wanted to know if I was affiliated with them. She states in her email ( attached here ) " We are considering pre-approval with Navy Federal Credit Union. We 've been told that we can get a reduced mortgage rate with a realtor associated with them '' I informed them that it is a RESPA violation and that is steering. Through the next 5 months my clients continued to work with me, making several trips to XXXX to look at homes. The last time they came back was the week ofXX/XX/XXXX at which point we were going to look at a bunch of homes and hopefully put an offer in on one. I advised that they bring their preapproval as we would need that to submit and offer. They viewed some rentals when in town because they were not sure they would find something and wanted to move back ASAP. Without me knowing they went to see a house and feel in love with it. After all the paperwork was done they emailed me to let me know they had found the one. I was a little taken back by this and emailed asking if I had done something wrong ( emailed attached ). I was advised that I had done nothing wrong and that they LOVED working with me ( email attached ). They wrote me a fantastic recommendation on XXXX and stated " Our final commitment to XXXX XXXX and the house that we 're buying was based on NFCU and their partner program, XXXX XXXX ''. ( Email attached ) So after a year and a half of working with my clients, they find a house and NFCU tells them to use one of their realtors affiliated with them to submit the offer and NFCU will give them a reduced mortgage rate. I do not believe this is legal and this is also steering. | ||||||
| 05/19/2017 | Yes |
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Web | Servicemember |
| Back a few years ago, a friend used my name and address to obtain credit in his name. I was listed as a co-signer / authorized user. The Visa Credit card account was finally closed with a balance. My friend and I agree since we both used the card, to pay off the card balance. Since the Visa Credit card was in his name and he paid half, I agree to pay the remaining balance. I moved out of state while to continue to pay the balance off. The statement was going to his home in XXXX and I asked Navy Federal Credit Union to send the statement to my new addr ess in XXXX . I never gave my friend my new address, but I started to get pre-approved credit offers in the mail. I aske d Navy Federal Credit about this and their response w as " Subject : Privac y, Navy Fe deral Response XXXX / XXXX / 2017 : Thank you for your messag e. Navy Federal protects the confidentiality of your personal financial information. We do not sell your information. We only share information with nonaffiliated third parties when necessary fo r Navy Federal business purposes. For example, we share information with consumer reporting agencies. We may also share information with others to process transactions, to offer products or services approved by Navy Federal, or to comply with laws. When we share your personal information with others, strict confidentiality agreements and laws assure that your information is pr otected. Navy Federal is fully committed to the privacy of your personal financial information. Your Message XXXX / XXXX / 2017 : I am join owner of a CLOSED Navy Federal Credit Card XXXX XXXX XXXX XXXX and I asked that you 'll send the paper bill to myself being that I was paying the bill. What I was n't expected is tha t Navy sha re this information thru some finanical system. I am now getting mail for XXXX XXXX at my current address. Can you stop sharing my information with his name attached to it or please give me some advice in order that I stop receiving his BAD m ail. Navy Federal Credit shared my a ddress with XXXX of their third party who activated something in the financial system to send his bad collection notices and pre-approved offers. | ||||||
| 07/05/2021 | Yes |
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Web | Servicemember |
| I have previously submitted a fraud claim to Navy Federal Credit Union for all of the transactions that were charged to my credit card between XX/XX/XXXX - XX/XX/XXXX totaling {$27000.00}. For NFCU to say that these transactions are not fraud is completely wrong. Please pay attention to the words and documentation that I have submitted in this complaint. During these dates I was serving my country on a submarine in the depths of the ocean with NO access to the internet or to my cell phone. I have attached my statement of service stating that I was onboard a XXXX during these dates. I went on XXXX on XX/XX/XXXX and prior to that I had called XXXXXXXX XXXX XXXX XXXXo suspend my cellphone service. The person who defrauded me had called XXXX XXXX XXXX after I had left for XXXX and she convinced XXXX XXXX XXXX to keep my cellphone service active WITHOUT my consent. This allowed her to receive text messages from NFCU and allowed her to change my passwords all while pretending to be me. She also did this with my XXXX accounts. I have attached my XXXX XXXX XXXX usage report during these dates. You can see that text messages from NFCU ( SMS code XXXX ) were received on XX/XX/XXXX most likely allowing her to have my personal information and passwords changed while I was on XXXX. I DID NOT authorize these transactions and I am a victim of identity theft. I was severely and maliciously defrauded. I have attached police reports that document that the person who did this is a XXXX XXXXXXXX / serial defrauder. I also found that a bench warrant was issued for this person 's arrest in XXXX ( also attached ) for contempt of court in a case where she stole the identity of a service member serving in XXXX and she opened multiple credit cards in this persons name. She also opened 5 credit cards in my name and with this new information that I have provided both XXXX XXXX and XXXX XXXX Department Store has recognized that I was defrauded and they had their bank 's entries deleted from my credit profile. Furthermore, she also sent money to her daughters from my XXXX account totaling {$7200.00} while I was on XXXX. XXXX has recognized that I was defrauded and had those funds returned to me. | ||||||
| 06/06/2022 | Yes |
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Web | Servicemember |
| I opened an account at Navy Federal Credit Union a few months ago, made a deposit and when I went in to the bank to withdraw some funds I was told I opened a Fraudulent Account. They refused to tell me why it was fraudulent but it just was. I just figured out why they thought my identity was fraudulent! Hopefully this will help all of you to avoid this issue and if it does happen to you hopefully it will be delft with better than Navy Federal Credit Union Well I just got a new job a few weeks ago and every time they tried to run my I9 it would come back with a mismatch on my Social Security number. They gave me this link to log in to my Social Security account and as soon as I saw this URL, https : //myeverify.uscis.gov/, I realized what happened! Last year I found this site and the Government allows you to LOCK your Social Security number! I thought this was a good idea to prevent Identity Fraud. Well Locking your Social Security number and forgetting that you locked it will cause you to become fraudulent for everything type of financial account that checks your Social Security number! My best guess is when you Lock your Social Security number it scrambles your Social Security number in the database so when companies actually run your Social Security number they will never match. When I finally figured out what has been going on I immediately called Navy Federal Credit Union and tried to explain this. I was then transferred to their Security Department ( after 5 hours on hold for two days ) and I was told they would email me an appeal form to resolve the issue. This could also take up to 15 days. Here 's the Catch22 I need the Account Number and Access Number to put on the Appeal form but I don't know them. I can still login on line but it won't show me account info because the account is fraudulent. I called for the account information can't be given out over the phone because the account is fraudulent. So basically my start date was TODAY and I can't start because I have a Fraudulent Bank account with Navy Federal Credit Union which isn't really fraudulent which is preventing me from clearing my Federal Bureau of Investigation ( FBI ) Fingerprint check. | ||||||
| 11/19/2018 | Yes |
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Web | Servicemember |
| on XX/XX/2018 I authorized a deposit for a transmission rebuild for {$700.00}. {$100.00} cash was given and {$600.00} was taken from my Navy Federal Checking Account. I was told i needed to do so by the repair shop so I would not be charged for towing. I did so reluctantly as a XXXX Vet on a fixed income I had applied for a grant and was awaiting a decision. I was told by XXXX XXXX once he got the check for the invoiced amount of {$1400.00}, I could reverse the deposit charge of {$600.00} and he would give me the {$100.00} when the check cleared. The grant was granted about a week and a half later at which time the car was delivered not only was the work not done but other parts of my car had been damaged from towing to intake and other engine components. The car literally malfunction 30 minutes after delivery and has not been working properly since with the check engine light on at delivery of vehicle. the 2 months it stayed at XXXX my car was damaged repeadtedly. SO when I filed the charge with Navy Federal for overpayment and work not done ; they did not document or take my evidence into consideration properly. 2 1/2 weeks ago the repair shop filed a dispute with their bank and had the {$600.00} reversed. Navy federal immediately reversed the charge stating I did not provide evidence. This is the second incident of Navy Federal claiming documents were not received an in both cases continues to leave me responsible for payment. As well they took this money out of my account that my VA XXXX is deposited which is also illegal. Last year I was also told I was now responsible for another persons account that I co-signed for after I had returned paperwork to b removed form account. They refused to move me from account and continue to hold me fully responsible. So when the dispute was challenged Navy Federal requested several documents and turned in all and then they said it was not information to turn into VISA so they were going to let a thief keep {$600.00}. I spoke to the rep XXXX today in the Dispute Department she over talked me and was very arrogant and rude with her explanation and refused to take into consideration the error that has been made by Navy Federal | ||||||
| 12/18/2021 | Yes |
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Web | |
| I used my personal identification and credit card information defined under 15 usc 1602 ( f ) to open an account with Navy Federal Credit Union. Navy Federal Credit Union is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Navy Federal Credit Union has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Navy Federal Credit Union has disabled accesses to my account but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Navy federal is also in violation of 15 USC 6802 1 ( b ) - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given an explanation on how I could exercise the nondisclosure of my personal information and I also was never give the opportunity to prevent the disclosure of my personal information | ||||||
| 11/01/2018 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/18, I contacted Navy Federal Credit Union and spoke to XXXX, Consumer Loan department. I inquired about my personal loan and why I was being charged {$29.00} fee assess since XX/XX/2018, which I wasn't aware of. XXXX was not able to assist me and he talked hastily and was discourteous. I was very dissatisfied with his service, and told him that I wanted to speak to his supervisor and was going to write a complaint against him. He said, that's okay, go and make a complaint on me, and you should wait 3-5 minutes to talk to my supervisor. I then spoke to XXXX, Supervisor, Consumer Loan about why I was being charged {$29.00} which I was not aware of and there were times that I would contact Navy Federal Credit Union to inform them of my payments due to direct deposits received from my pensions since I am a XXXX veteran, retiree and on a fixed income. I also asked whether Navy Federal credit union has a grace period less than 10 day. She informed me that there are no grace period on loans which I was not aware of. She apologized that I was not informed about that. She informed me that XXXX XXXX XXXX does not guarantee grace period on loans. I was charged the following : XX/XX/18, fee assessment, {$29.00} ; XX/XX/18, increased balance adj, {$29.00} ; XX/XX/18, fee assessment, {$29.00} ; XX/XX/18 ; increased balance adjustment, XX/XX/18, {$29.00} ; XX/XX/18, fee assessment, {$29.00} ; XX/XX/18, increased balance adjustment, {$29.00}. I informed XXXX that Navy Federal Credit Union has been overcharging me and I didn't received any notice of such fees. In addition, I inquired about my credit card loan, which was paid on XX/XX/18 in the amount of {$360.00}, and she informed me that she didn't see any payment come through and ask how I paid it. I informed her that I walked into the bank and made a payment on XX/XX/18. She misled me in notifying that my credit card payment was not paid for the month of XXXX. I was not satisfied with her information. My husband and I are both senior citizens and XXXX veteran, retirees, and on fixed incomes. We've been with Navy Federal Credit Union for approximately five ( 5 ) years, and sometimes receive lousy customer service. | ||||||
| 07/06/2017 | Yes |
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Web | Servicemember |
| I XXXX for a company called XXXX XXXX. I received an email from a person calling herself XXXX XXXX, stating that her boss wanted her to make an order with the company. She asked what the total would be, and I told her {$320.00}. She said that a check would be in the mail for me and that she would let me know when it was shipped. On Wednesday, XX/XX/XXXX, I received the check, but it was in the amount of {$2200.00}. I was told by XXXX that her boss had accidentally sent me the total for XXXX 's paycheck instead of just the amount for the order. She wanted me to deposit the check, make the order, and then send her the remainder of the money for her to take care of her bills, kids, and mother. I deposited the check that same day. The amount of the check showed up in my transactions, but had n't shown up in my balance until Saturday. That indicated to me that the funds were available and the check had cleared, so made the online order and then I sent the rest to her. Yesterday,XX/XX/XXXX, I noticed the check had bounced. I spoke with the bank about it immediately and they did n't refer me to the fraud department initially. The lady I spoke with told me that there was nothing they could do, and to contact Wal-mart and the police department. I called today and spoke with the fraud department, and I was told that there is a difference between funds availability and the check clearing. Today, I also drove an hour to the Navy Federal branch, where I posed the question " how would I distinguish funds availability from a check clearing '', and I was met with a response of " the account would not look any different in either instance ''. What I 'm left not understanding is why were the funds shown available if the funds were not truly available? I was also told at the branch today that the funds were shown available because the bank trusted that I knew where the check had come from based on my relationship with the bank. Ultimately, it seems that the bank was just as trusting in me as I was in the person who sent this check asking for products specifically from the company for which I XX/XX/XXXX, so why am I the one being held liable for this negative account balance? | ||||||
| 07/22/2015 | Yes |
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Web | Servicemember |
| I am a military member of navy federal credit union. I was looking for a part time job, and was contacted via email on a at home job offer. I was mailed a check for suppliessupplies I deposited the check in my account at the local navy federal, and was given the direction to send a XXXX to the supplier. Not realizing it was a scam due to my hopefulness and being excited about bringing in some extra cash. Once I realized that it may have been a scam I contacted navy federal. They informede there was nothing they could do till the checked cleared as fraudulent. So security locked my account, and told me to come back in a week and they would see what they could do. A week goes by and my account goes - {$2800.00}. The check was indeed fraudulent. I went to the bank and asked if I could make some type of payment arrangement because I could not afford paying that amount back. They told me no, I 'm responsible for the charges and there is nothing they can do to help. I spoke with a XXXX XXXX bank and they said navy federal should have been able to tell the check was fraud before they allowed me to cash it. And I specifically remember the bank teller being unsure of the check and asking her supervisor about it but the supervisor said it was fine. I understand my mishap, but navy federal bank tellers are horribly trained to look for these fraud checks. So now I am behind on all my bills on my navy federal account which includes my car loan personal loans and credit card and line of credit. I was already financially struggling, now I 'm in a black hole. Navy federal will not do anything to help me. Now with no money because I did not receive my last check because it went to the negative balance, no money for next check, behind in all my bills including rent with no help from anyone. How is it that navy federal has no protection for there military members and families. How is it that the people that serve your country can end up homeless and hungry, and in even more debt because of a scam, and their bank not care. I understand my fault, but being in the military I forgot about the scumbags in the world that prey on innocent people looking for a better chance in life. | ||||||
| 04/19/2023 | Yes |
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| I am a client with Navy Federal Credit Union ( NFCU ) for over a year. As of the XXXX of XXXX NFCU has frozen my business account ( acct # XXXX ) as well as my personal account ( acct # XXXX ). After a client paid my company for services rendered and for a vehicle purchase. The third party paid with a cashiers check made out to them and then signed over to my business. After the check was deposited this Navy Federal put a hold on the check for five days. Afterwards the hold was lifted the funds were made available. When the funds were disperse from the account. Navy Federal then blocked stating suspicious activity. After contacting Navy Federal, they informed me that I needed to present a letter from the third-party with their ID and three signatures. When I complied and my client provided the letter with signatures and identification. Navy Federal then informed me, that I would have to provide my identification and three signatures. After complying with Navy Federal demands, both accounts are still frozen. I encountered an issue with my account that required urgent attention. I contacted customer service and was put on hold for extended periods, which was frustrating. When I finally spoke to a representative, they were unhelpful and did not resolve my issue. It is now going on two weeks. I then visited the only branch which is a two hour drive. Where I was then informed, that I have to submit an appeal in to overturn the decision to freeze my accounts. Not only was the branch manager, vague and unhelpful. I am still in the dark with no one to turn to. Navy Federal, is not only stopping me from conducting commerce. As well as paying employees and bills to keep my business afloat. I have made several attempts to contact Navy Federals security department. Which has hold times that are well over two hours only, to speak to representatives that are unknowledgeable and unhelpful. After submitting the appeal, Navy Federal informed me that it will take approximately 15 business days or more to investigate and make a decision whether to release the remaining funds. It is to my knowledge that Navy Federal is abusing their power to take advantage of the situation. | ||||||
| 02/12/2023 | Yes |
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Web | Servicemember |
| in re : XXXX XXXX checking account... ending in -- XXXX navy ffederal credit union is constantly blocking my account while using the debit card while outside of the US. i realized they doing this from time to time so i can not see my transactions and the actual amount charged by a merchant or etc. the navy federal credit union is constantly attempting to confuse the military community by overcharging for international transaction fees. it stated on the contract of the debit card use that there would only be a 1 % fee. but i am seeing well over 3.5 % -- 4 % to nearly over 5 % in foregin transaction fees. the navy federal is not only adding this 3 to 5 percent fee on the charge itself and adding another 1 % on top of that. they are making members calling back to US with expensive telephone calls. all the while blocking their transactioin history. its very odd -- the card is NOT blocked but you can not the who or what the merchants are charging you -- the customer.! they have refused to send notification via email for transaction charge verification. since email is my preferred point of communications if my phone service is NOT available while living outside of the US. after my first encounter with in XXXX... the bank did set the rate to normal rate... but after i could no longer see my transaction history because navy federal blocked my account for no reasons the foreign transaction fees was again changed back to the deceptive fraudulant significantly higher foreign transaction fees by manipulating the mid market rate. i have attached especially a transaction example from XX/XX/XXXX in which a XXXXXXXX XXXX charge was significantly off from other times after they blocked my account! they have literally blocked my account transaction history!!! i can not verify my transaction history which is extemely concerning and deceptive the so called customer service is extremely poor... .and very lowely motivated customer service at times -- -this is also very concerning! i have not been able to access my account charge verification since over 1 week now as of today- XXXX XXXX XXXX no email communication has been even attempted by navy federal union. !!!! | ||||||
| 03/22/2017 | Yes |
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| My husband lost his bank card and didnt know it. Navy Federal sent my him a text in regards to a {$8.00} purchase and that was it. Once we were able to check our account there had been XXXX transactions conducted with his card and a pin number over the course of 3 days. This an account that my husband and I solely have for the purpose of us saving money. This is the only joint account we have and do n't use it on a daily basis at all. The XXXX transactions consisted of XXXX checks being written to my husband and deposited into our account. Of course it later came back that the checks were not legit. So at this time Navy Federal is saying that my husband and I are responsible for the estimated {$2000.00} overdrafts in our checking and savings account. Due to the fact that the transactions were done by a pin number they are basically saying that they have done their investigation and we are liable. The fact that checks were not signed by my husband, location of the transactions and the irregular amount of transactions conducted in such a short time frame was not taking under consideration. So almost every Navy Federal calls myself or my husband seeking payment for these fraudulent actives that has occurred to our bank account. I honestly believe that it maybe a Navy Federal employee who did this due to the fact that fake Navy Federal checks were used and that they had some way of getting my husbands pin number or even able to manipulate the system in to believe its my husbands pin. My husband did not write his pin number down or give it to anybody. He uses the same pin number for all of his accounts so there is no need to write it down which Navy Federal is assuming happened or that he gave it to someone. I his wife is the only other person who knows this pin number. So needless to say DO NOT TRUST NAVY FEDERAL WITH YOUR MONEY!!!! They have done absolutely nothing to help me resolve this issue but give me the run around and play games. I get new and different answers every time I call and they refuse to let me speak to a supervisor, investigator, or security personnel to help me understand how they came up with the conclusion in which they did. | ||||||
| 07/02/2020 | Yes |
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Web | Servicemember |
| Refinance of mortgage with interest rate originally at 2.75 %, closing disclosure docs sent had cash to borrower {$1200.00} higher than what we received ; this was after we asked the interest rate to be dropped to 2.5 %. The drop in interest rate should not have affected our closing costs or cash to borrower total, as we were told that we had the ability to request a rate decrease at any point during the application process. Since the increase in closing costs occurred after our request to reduce the rate, and this was not disclosed to us XXXX we did not receive the updated Closing Disclosure ) before closing, we feel NFCU was not forthright in disclosing the costs of the loan XX/XX/XXXX - email from processor stating closing was scheduled for XX/XX/XXXX. Closing docs were sent via on-line banking ; the closing disclosure showed {$58000.00} cash to borrower with closing costs of {$4400.00}. XX/XX/XXXX - I emailed processor asking rate to be changed to lower interest rate of 2.5 % XX/XX/XXXX - processor emailed stating rate had been lowered with same discount points and origination fee XX/XX/XXXX - Closing date scheduled for XX/XX/XXXX XX/XX/XXXX - I left voice mail and sent email to processor stating that updated closing docs had not been received and that our closing was scheduled for XX/XX/XXXX. XXXX was an email from processor stating she didn't know what I was referring to. This was over the weekend and our closing was scheduled for first thing Monday morning. XX/XX/XXXX - at closing, Closing Disclosure showed cash to borrower {$57000.00} with closing costs of {$5600.00}. The majority of the difference was found in the lender credits ( section J of Closing Disclosure ) ; disclosure sent XX/XX/XXXX showed credit of {$1200.00}, disclosure shown to us by attorney at closing on XX/XX/XXXX showed {$53.00}. At closing we contacted Navy Federal Credit Union for clarification, the processor could not explain the difference to our satisfaction. After speaking with a supervisor, she stated that this had been a system error on the disclosure that was sent to us on XX/XX/XXXX and she was not sure why we had not received the updated disclosure. | ||||||
| 11/07/2023 | Yes |
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| Upon exiting the Forbearance plan, On or around XX/XX/XXXX, representatives from NFCU started contacting me to sign the XXXX XXXX deferral agreement. I applied for the SC Housing assistance grant on XX/XX/XXXX, and each time a representative from the bank would call between XX/XX/XXXX, up until the date I signed the deferral agreement, I explained to them I applied for the SC Housing Assistance grant. Each time they called me, they said if I did not sign the loan modification form my house would go into foreclosure and my credit would have been damaged. They sent me the XXXX deferral agreement XXXX or XXXX times before I signed it. When I signed this document, I did not know it would affect my grant. The representatives that contacted me upon exiting the forbearance plan led me to believe the grant would have still been applied to the debt once it got approved. On XX/XX/XXXX, I signed the COVID XXXX deferral agreement, On XX/XX/XXXX, I received an approval email from SC Housing for the XXXX, On XXXX XXXX a representative applied the XXXX to the account. When I noticed the amount was incorrect and the balance was still the same, I contacted NFCU, and nobody could tell me the problem. After pursuing the issue non-stop, on XX/XX/XXXX, a representative at NFCU explained the debt could not be paid because I signed a deferral agreement and not a loan modification. In addition to that, upon exiting the forbearance program none of the Representatives educated me on Forbearance exiting options. At that time, I submitted a loan to refinance my home and NFCU denied my loans twice. XX/XX/XXXX ( XXXX ) - Loan Denial Reason- Excessive Obligation to income. I immediately contacted the Loan Officer, and she explained my XXXX Loan payments were too high. After discovering the mistake, I provided proof my XXXX loan payments were not {$700.00} plus dollars, the payment was {$110.00}. XX/XX/XXXX ( XXXX ) -Loan Denial Reason-Insufficient Income Due to not being able to refinance my loans or get the assistance I needed, my payments for XXXX and XXXX of XXXX were late. NFCU reported the delinquent payment to the credit agency and my credit score decreased. | ||||||
| 12/28/2022 | Yes |
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Web | Servicemember |
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CFPB, On XX/XX/2022 The matter with Navy Federal has not been resolved, so have yet to seek justice but still being discriminated against as it relates to my handicap disablement to be able to purchase a home as a first time home buyer protection under the EQUAL CREDIT OPPORTUNITY ACT ( ECOA ) without being discriminated against while being able to receive income form any public assistance program.
I am still not being heard and considered being able to use my reasonable accommodations being able to have proper time under the Americans of Disability Act ( ADA ) but have been continually violated not to ne able to use extension of time and provided with the same information and process equitably like other members who have gone through the First time Home Buying of the Home Buyers Choice process with low rates a follow through of policy & procedures step by step and instructional copies of loan documents without running my credit serval times and then charging me several fees providing me with no Closing Worksheet Estimate or Good Faith Letter of actual true cost using the formula and timeframe from the date of the new application Navy Federal stated in response to complaint even closing the complaint due to me not complying to their suggested time to process.
This would be a second email letter submitted to me via email on XX/XX/2022 at XXXX XXXX ( XXXX ), following up with a demand to respond within 24 hours still not providing a commitment to lend and still obsess with running my credit again a third time a now third attempt and tactic to pull my credit down charging me another credit application fee of {$20.00}.
I have also attached a written letter I am requesting to submit to the President/CEO of Navy Federal Credit Union XXXX XXXX XXXX now inform her of the discrepancies and discrimination I have incurred.
This is my final submission to seek for this yo be resolved for the stated resolutions submitted within the |
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| 12/07/2022 | Yes |
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| Hello, On XX/XX/2022, I bought a set of 4 chairs on XXXX. I received my order. However, the chairs were damaged, and some of them were of different colors. I contacted the merchant asking for a return. The merchant sent me two return labels. They also told me that XXXX would come to pick up the chairs. XXXX gave me two different dates for the return. However, XXXX never came. I contacted XXXX back. The agent told me that I canceled the return directly with XXXX. I told the agent that I never canceled the return and had never been contacted by XXXX. I also requested the prove that I canceled it. XXXX never replied to my request. XXXX offered me a 5 % refund to keep the chairs. I refused and asked to return the chairs and get a full refund. Because XXXX didnt follow their return policy and never accepted my return. I disputed the transaction with my bank : Naver Federal Credit Union. On XX/XX/2022, Navy Federal gave me a temporary credit while they are investigating my dispute. Apparently, XXXX didnt appreciate that I dispute the transaction so XXXX charged my card one more time for the same order. A few days after, I sent my documentation to Navy Federal and they said that no billing error occurred because I canceled the transaction. I explained to Navy Federal that XXXX said that I canceled the return but was not able to prove it. How is it possible to refuse my dispute if the merchant was not able to prove what they said? I sent pictures of the damaged items. I sent pictures of the return labels I got. I sent emails I received from XXXX telling me that XXXX was coming on different dates. I showed my good faith in my wish to return everything I got my money back. I proved that XXXX never wanted to accept my return and just wanted to give me a 5 % refund in exchange for the damaged items. NOW : - XXXX charged me one more time for this order. - Navy Federal reversed the second temporary credit I received. - Now my credit card is charged twice for the same order. I am asking for a refund of the order I placed in XXXX AND a refund for the new charge that was processed without my authorization. Thank you. Best, XXXX XXXX | ||||||
| 05/19/2021 | Yes |
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Web | Servicemember |
| Between XXXX, I suffered major financial hardship and losses due to identity theft. I had every bank account app on my phone hacked and financial info changed and uploaded documents and checks that were not from me via these applications. During this, NFCU had flagged a check that actually was not uploaded by me or my device. They immediately froze all of my accounts, cancelled my debit accounts and literally within minutes I had no way to buy groceries, gas for my vehicle, or pay for anything while being a single mother. I contacted them and was told nothing could be done and that my bank accounts were now in " credits only ''. The closest navy federal to me is about a one hour drive away. Because I had no gas and no access to money ( but a little change ) I had to take the bus all the way there and beg them to release some funds to me so I could I could feed my kid. That day XXXX filed a written statement, verified who I was, provided my device info to prove that I was not the one who uploaded the check in question, as well as provided copies from equifax, my other banks that verified fraud on those other accounts and appealed the bank to please unfreeze my accounts and allow me to manage my finances online as usual. I had to wait 7-10 business days for a response while my accounts remained frozen. I was then told that they would be closing all but my savings account due to my credit card with them that also had fraudulent charges ( which they never refunded ). It took me 4 months to receive my direct deposits from social security, the VA and retirement allotment due to needing a new bank account and navy federal kept accepting the direct deposits without allowing me access without travelling to the bank and then having to take all the money out cash at one time in a bad neighborhood, inability to pay my bills online causing me to purchase prepaid cards and money orders/cashiers checks costing me more time abd money. I have appealed to have my obline access restored and my accounts restored as I have been in recovery mode after id theft. and denied without any factual reason as to why I could t have them restored or given online access. | ||||||
| 02/05/2021 | Yes |
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Web | Older American, Servicemember |
| Back in XX/XX/XXXX, I submitted a request to refinance my home with Navy Federal Credit Union. The original loan Officer was XXXX XXXX. During the process XXXX XXXX required me to submit several documents to her and one of them was an agreement I had with XXXX. The settlement agreement was due to expire XX/XX/XXXX. Each time I would leave a message with XXXX XXXX I would never get a response, so for nearly ( 3 ) months I keep trying to contact her so I filed a complaint with the XXXX XXXX XXXX. On XX/XX/XXXX I received an email from XXXX XXXX XXXX and she informed me that XXXX XXXX had quit and she would be my loan processor. I informed XXXX XXXX that it is imperative that we don't miss the due date with XXXX. If that agreement expires then I would have to start that process all over. It took nearly two months to get XXXX to work with me in order to obtain the agreement. XXXX XXXX informed me that we would go to closing by the XXXX of XXXX. On the XXXX of XXXX at XXXX pacific coast time a I called XXXX XXXX XXXX confirm that we would be going to closing on the XXXX. XXXX XXXX then sent me an email on XX/XX/XXXX at XXXX pacific coast time stating one of her coworkers informed her that I didn't wish to continue with the process. I'm not sure were that information came from nor did I tell anyone that I didn't want to continue. Had that been the case why would I have called her the night before the day of closing? Since this process has started ( 6 months ) I have had nothing but one excuse after another from Navy Federal Credit Union. I have paid {$600.00} for an appraisal and to have my credit report retrieve. As it's known Everytime an inquiry is submitted against your credit report it affects your score. I feel I have been taken complete advantage of. I don't know if it's because their loan processing offices are in XXXX, FL and I leave in XXXX XXXX, CA and they feel their is nothing i can do to them. I hope by filing this complaint they realize they are beyond the reach of any consumer. Your assistance with this matter would be greatly appreciated. And any restitution that I can obtain would be worth the stress I have to experience. | ||||||
| 06/29/2023 | Yes |
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| On around XX/XX/2023, as a federally protected consumer was denied extension of my own credit for personal, family, or household needs by NAVY FEDERAL CREDIT UNION when I applied for an auto loan of about {$32000.00}. This denial has not only caused emotional and mental distress but has made it very difficult to be able to do the normal daily things that come with life, like going to work, school, grocery shopping, tending to family needs, etc. I feel like NAVY FEDERAL discriminated against me and treated me less favorably than other applicants. Denying a consumer/applicant extension of their own credit solely based of a " credit score '', " too many accounts recently opned '' " balance to high '', etc are NOT deciding factors. Especially when the definition of " Account '' means " an extension of credit ; open-end credit plan '' or when 15 USC 1666d tells you what to do with the treatment of balances Furthermore, NAVY FEDERAL is in violation of several federal laws and Congress made it clear when it comes to Adverse action against a consumer/applicant, however NAVY FEDERAL thinks they are above the law and feels entitled to dismiss what the law says. I have tried reaching out to them to make them aware of the situation and give them the opportunity to resolve this matter however have been unsuccessful. By denying extension of my own credit, NAVY FEDERAL CREDIT UNION has unauthorized use of my social security ( credit card ) pursuant to 15 USC 1602 ( p ). I believe the application that I filled out with my social security is actually the collateral security that generated the credit, since financial institutions don't have the power to loan ( 12 USC 83 ) but only to BORROW and PAY INTEREST ( 12 USC 1431 ). Adverse action against a consumer is PROHIBITED by law. Pursuant to 12 CFR 1002.2 and 12 CFR 1002.7, a creditor may NOT refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. You can also find a clear definition of adverse action in 15 USC 1691 ( d ) ( 6 ). I also have reason to believe NAVY FEDERAL is in breach of fiduciary duties pursuant to UCC 3-307. | ||||||
| 08/18/2021 | Yes |
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| I am extremely stressed about this matter with Navy Federal Credit Union, as the consumer and natural person they are violating multiple federal laws and ruining my reputation. Congress says under 15 USC 1692d ( 1 ) - The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. This PAID Charge off has significantly damaged my reputation and caused me physical harm due to stress and has not allowed me to purchase a home because they keep furnishing information to the Credit Reporting Agencies, which congress says under 15 USC 1681 ( a ) ( 2 ) - An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. This account has damaged my credit worthiness, standing, capacity, character, and general reputation with lenders who pull my consumer report. Navy Federal Credit Union keeps telling me that there is nothing they can do about it, which is completely false because the Credit Reporting Agencies get their information directly from Navy Federal Credit Union, which is another violation to me as a federally protected consumer. Congress says under 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card which congress defines under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I never authorized Navy Federal Credit Union to use my credit card and has in fact been committing fraud and taking advantage of me because I the federally protected consumer has not received ANY benefit from this account in which Navy Federal Credit Union has been using my credit card for. I, XXXX XXXX give permission to all parties involved to investigate this matter | ||||||
| 12/20/2022 | Yes |
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| I was contacted by XXXX to have my business account set up but could not verify my navy federal bank account I was told to call technical support for assistance, while on the phone with tech support my IP address was hacked and the hacker who stated they were from XXXX customer service hacked my XXXX and transferred {$4000.00} out of every account I had listed on my XXXX and also opened an credit card account in my name, not to mention my Id was lost/stolen at the hotel in XXXX a XXXX before, the bank provided provisional credit then reversed the provisional credit which was from my understanding protected funds they were mine my sons XXXX back pay. Mind you the bank was notified immediately as I seen money leaving the account, Navy federal told me they seen the hacker trying to go in my account 5 times after I reported the accounts hacked and the were frozen immediately, not days later immediately! Navy Federal Credit Union has not only defamed my name and character by accusing me of being apart of this cybercrime scam, which is XXXX XXXX counts on the hackers, they have lied multiple times about not being able to take my son and I XXXX check, at which we are completely without any money while they stated they were in investigating the appeal, however Navy Federal CU is calling me threading to close my account and is still demanding money from me. Also, Ive been back and forth to the XXXX, ga branch asking for answer, but getting nothing but the run arounds. I explained I have nothing at this point and I cant even buy my son anything for XXXX, the Navy Federal Credit union brand assistant manager stated aw Im sorry, Im sure your son wants the world for XXXX in the most nasty way I just walked away crying. I was hack through an tech support application, all my money was stolen I have text messages, recorded calls and police reports to prove I was a victim and I would like to stopped being treated like a criminal and like my money doesnt matter and have Navy Federal put my money back that is owed to my son and I. I would like to be taken seriously and not be treated as if Im a criminal and I do not matter in my financial institution. | ||||||
| 10/13/2021 | Yes |
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| I am the original creditor of the account in question. After further research into my account, I find there the be billing errors open-end credit plan NAVY FEDERAL pursuant Title 12 CFR 1026.21 and Title 15 USC 1666 ( b ). NAVY FEDERAL has taken adverse action against me in XX/XX/2021 and has closed this open-end credit plan. NAVY FEDERAL continues to try to collect payment from me regarding this account. Please see the attached statements of payments made to this account under fraudulent and threatening and harassing conditions. On XX/XX/2021, NAVY FEDERAL CREDIT UNION violated 15 U.S.Code 1692d ( 5 ) by causing my phone to ring repeatedly while using abusive language, forcing me to pay a debt. On XX/XX/2021, I contacted NAVY FEDERAL CREDIT UNION customer service due to the reporting of a late payment to my consumer credit report, causing my credit score to drop tremendously. I, have reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028a as NAVY FEDERAL CREDIT UNION, atleast on four separate occasions, has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. NAVY FEDERAL CREDIT UNION furnished my personal information to several third party on atleast 4 occasions which is a violation of 15 U.S.Code 1692c ( b ), without my expressed written consent. NAVY FEDERAL CREDIT UNION is in violation of 15 U.S.Code 6802 ( 1 ) ( a ) ( b ) ( c ) by disclosing my nonpublic personal information to a nonaffiliated third party while not giving me the opportunity to opt-out or such information being disclosed, nor an explanation of how I, as a consumer, could exercise such nondisclosure option. NAVY FEDERAL CREDIT UNION is in violation of 15 U.S.Code 1681 ( a ) ( 4 ) by violating my rights to privacy. NAVY FEDERAL CREDIT UNION, on several occasions, has continued to use harassing communication while using a symbol affected by the mail pursuant to 15 U.S.Code 1692b ( 5 ) & 15 U.S. Code 1692f ( 8 ). NAVY FEDERAL CREDIT UNION has continued to use abusive debt collection practices as defined in 15 U.S.Code 1692 ( e ). | ||||||
| 04/14/2023 | Yes |
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| In XX/XX/2023 there was a transfer to my savings account in the amount of XXXX dollars, that should have been available to me immediately. The XXXX dollar transfer still remain in a running status today. I spoke with a Navy Federal employee who stated to me there is a security hold on my end and I would need to speak with Security Operations. I was placed on hold for 45 minutes, I disconnected that call and place another call soon after. I spoke with another employee. I asked to speak with a supervisor. I spoke with a supervisor by the name of XXXX who could not resolve this issue and to be honest dont think he actually cared. I explained to XXXX this XXXX dollar transfer isnt available to me and is still in a running status. He stated there has been a lot of fraudulent transactions and there are security in place. I stated to him there was another transfer from the same individual to my account in the amount of XXXX dollars this week that was processed and available. He stated to me the individual need to call in and release the hold. Whats odd is I have received several conflicting statements from this institution regarding this transfer in the mean time, the XXXX dollars that was withdrawn from the other party account is in the hands of Navy Federal but they refuse to release it to me and has not gave me a valid reason. I did ask XXXX why would you release a XXXX dollars but not the XXXX dollars transfer from the exact same individual. He could not answer that question. I sailed him to transfer me over to someone that could answer that question. He stated there was a 2 hour wait in the security operation dept. I asked for his supervisor he stated he could not give me that information. I asked for his id number he stated he could not give that information. I stated I would be filing a complaint and disconnected the call. I have been banking with this institution for 24 years and never had a problem with a transaction or transfer from this individual that has been making transfers for 20 years so there is no reason for this to happy. I would like my funds to be released immediately and I will be closing this account soon after. | ||||||
| 09/06/2019 | Yes |
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| On XX/XX/2019-XX/XX/2019, I contacted after being targeted by fraudsters who stole total of {$230000.00}. Navy Federal Credit Union XX/XX/XXXX international wire transfer to XXXX XXXX {$41000.00}. XX/XX/XXXX international wire transfer to XXXX XXXX {$35000.00}. XX/XX/XXXX international wire transfer to XXXX XXXX {$80000.00} XX/XX/XXXX international wire transfer to XXXX XXXX {$75000.00}. XX/XX/XXXX I reported to NCU bank for FRAUD and requested for cancellation Immediately, XX/XX/XXXX total {$150000.00} could possible to holding action because International wire transfer transit time in USA from Navy Federal Credit Union to XXXX XXXX XXXX should take 3 days in USA then arriving country takes another 3-4 days. These funds available dates are XX/XX/2019. If NCU wiring department takes action for cancellation immediately I didnt loose these money. I complaint for funds available date If wire transfer takes same day, Navy Federal Credit Union must update wire transfer website information for consumers immediately also they must tell to consumers for correct meaning for funds available date. Bankers told me their computer system generated available date automatically, but Wire transfer is much faster than 5-7 days, sometimes same day. As consumers, were depends on bank policy and rule on the public website also Receipts my last two transactions funds Available date is XX/XX/2019. Navy Federal Credit Union bank international wire transfer transit time is 5-7 days, sometimes takes more days but Navy Federal Credit Union fee is cheaper than other banks. My complaint is : Navy Federal Credit Union should pay me back for XX/XX/XXXX two transactions I think this is very unfair Navy Federal Credit Union must update wire transfer information on line website and their computer banking system correction for funds available date instead of system automatically calculated 7 days, Most of consumers include me, when they see funds available date we believe funds will be there around those dates. I never hear international wire transfer transit time is same day- until NCU banker told me after I realized I lost all my money by Fraudsters. | ||||||
| 06/03/2022 | Yes |
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| I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. Im also aware that once a debt is cancelled, it now becomes gross income. Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I never received one. I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. If NAVY FEDERAL CREDIT UNION has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions. If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation. Cease and Desist all illegal activities Deletion from credit reporting agencies | ||||||
| 07/12/2022 | Yes |
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| I have a checking account and debit card with XXXX XXXX XXXX XXXX XXXX. I needed to make a cash deposit to an ATM, but there were no XXXX ATMs in my area, however they are part of the XXXX ATM network, where I should be able to use any XXXX ATM to do certain transactions, as far as I knew. I found the nearest XXXX ATM that said it accepted deposits, which was a Navy Federal Credit Union ATM attached to a Navy branch ( address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). On XX/XX/22 at approximately XXXX XXXX, I used this ATM to attempt to make a cash deposit. The amount of cash was {$270.00}. I entered my XXXX debit card ( ending in XXXX ), entered my PIN, and selected cash deposit and entered the cash into the machine as instructed. The machine spent several minutes making noises as if it was counting the cash and then an error message appeared on the screen " Unable to return your cash ''. It then printed out a receipt that says : " We encountered a problem returning your cash. Please contact your financial institution. '' It also has the timestamp and the ATM # which is " XXXX ''. I went to the Navy FCU branch in person on Saturday XXXX and briefly spoke with an employee who only told me that I had to contact my credit union to file a claim. I have contacted XXXX by phone many times over the past few days and have spoken with no less than 5 employees in the payment services department and the claims department, who have repeatedly told me that they have absolutely no way to initiate a claim with Navy FCU because there is " no record of a transaction on their end, so there is nothing to file a claim over. '' I have also spoken with the ATM services department at Navy FCU over the phone, who also told me that they need XXXX to initiate a claim with them to start the process of returning my funds to me. So it has come to this, I have both financial institutions giving me the run around. My cash is physically in the Navy FCU ATM and whenever they audit it they are going to find the overage, and I don't know how they are going to return the funds to me because XXXX is refusing to help me or coordinate with Navy FCU in any way. | ||||||
| 11/30/2021 | Yes |
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| I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person and original creditor contacted NAVY FEDERAL CREDIT UNION in writing on XX/XX/2021 requesting that said company validate this alleged debt and also sent them a cease and desist letter asking that they stop contacting me. NAVY FEDERAL CREDIT UNION received all documents on XX/XX/2021. NAVY FEDERAL CREDIT has yet to respond and has continued to send statements after documents were received. NAVY FEDERAL CREDIT UNION has failed to report this alleged debt as disputed pursuant to 15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. NAVY FEDERAL CREDIT UNION was given 30 days to validate this alleged debt and has failed to do so. I have been harmed by NAVY FEDERAL CREDIT UNION and also my credit report and file has been damaged due to NAVY FEDERAL CREDIT UNION housing unvalidated and unverified information and therefore they are civilly liable to pay me for the damages. | ||||||
| 04/16/2019 | Yes |
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| I opened a SECURED credit card account with Navy Federal around XX/XX/XXXX. They took {$500.00} out of my account as security to hold. Around a week later I received my card. Months later I lost my job and was unable to make payments on the card. I did not worry about this because Navy Federal had my security deposit. Shortly after this I started receiving calls that I owed them money that they already had. After many hours on the phone trying to straighten it out I was told the bank didn't know what happened that there was a " technical issue ''. At that time I asked why their technical issue was being reported on my credit reports. If there was a issue on the banks end they shouldn't be asking me to pay AGAIN. I filed a complaint and received a call. This time they partially blamed me. Telling me that the {$500.00} they deducted from my account for the secured card they for some unknown reason put back in my account. This makes no sense as the purpose of a secured card is once again that the bank holds onto the security deposit in case of default. This account has now been reporting negatively for 3 years and in violation of federal law. The bank is knowingly reporting negative information for a problem that they have acknowledged is their fault. I called on XXXX and tried to settle the account because it is stopping me from purchasing a house and was basically told this is not only my problem but even if I do pay it they will not remove the negative history associated with the account by XXXX ( F ) phone number XXXX at extension XXXX. I spoke to her manager Mr. XXXX at extension XXXX and he also refused to help me fix the problem. Now after dealing with this for 3 years and having my finances and life ruined I am seeking legal recourse in accordance with the Fair Credit Reporting Act. There will be no more phone calls or me trying to fix their mistake. The information being reported is not accurate, due to negligence and negatively impacting my reputation causing much mental anguish. I need all of this documented because if there are other people being conned like myself I'm sure there will be another class action lawsuit. | ||||||
| 04/21/2017 | Yes |
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| Navy Federal has decided to practice extremely unfair mobile deposit practices. Their terms and condition state that you have to receive a approval email before XXXX otherwise it will not get processed that day. Although their customer service team clearly tells you that you can make a deposit at XXXX and it will be processed that day. Their is an approximate. 2-6 minute delay in their approval and you receiving the email. And their customer service also informed me that the approval time can take anywhere 20 minutes to 2 hours depending on how busy the bank is. By the impression your customer service gives it is clear that there is some give time in the processing time if you can submit a deposit at the very last second. This is not true. If you do not receive your approve before XXXX you will have to wait 24-48 business hours to get your check approved. No matter what time you submitted your deposit. All this is of course based of the bank time table and their app clock which you as a customer have no way of verify is correct nor do you get any sort of warning prior to depositing that it is close to their cut off time since this is a national bank that runs of EST but if you are n't in EST obviously XXXX EST would be a different time for you. So when I called and was informed their would be a two day hold on my check till tuesday I was upset and all I was told was the term and conditions were clear. Which they clearly are not since their own customer service team either 1 ) does not understand them or 2 ) is intentionally giving customers wrong information so that they will use their overdraft protection and the bank can charge a fee. Either way this huge disconnect in process time is an issue that is not clearly explained to customers and requires a lot of explanation. I have received multiple answers on the timeline of my claim. My check was approved sometime between XXXX EST and XXXXXXXX XXXX EST. No clear answer to that. The app says XXXX approved. One representatives said XXXX another said XXXX but the email was not sent till XXXX. the timeline process is horrendous and seems to benefit Navy Federal how they please | ||||||
| 06/07/2021 | Yes |
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| I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX XXXX XXXX XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX XXXX and XXXX credit reports, the account needs to be deleted from the XXXX XXXX XXXX credit reports. The information for this account listed on my credit report is : CREDITOR : NAVY FEDERAL CR UNION, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$2500.00} | ||||||
| 07/16/2018 | Yes |
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| Dear Sir or Madam, We have a conventional thirty year fixed mortgage loan with Navy Federal Credit Union that closed approximately two years ago. We recently received a New Mortgage payment notice letter from Navy Federal stating that our monthly payment is going up thirteen percent effective immediately. This is the second mortgage increase that we received in last than two years. Our original payment we started out including taxes and escrow was {$2400.00} per month. And it has ballooned to over {$3100.00} per month on a thirty year conventional loan. In less than two years our monthly payment has risen a whooping thirty percent. This is predatory lending at its worse. This has placed a tremendous financial hardship on us, which places us in risk of making the new payment. Our closing documents stated that our payments should not increase more than the original monthly payment. We feel at a minimum this is a violation of Truth in Lending Act and RESPA and unethical mortgage practices that Navy Federal has exercised. When we were in the process of closing the loan the Navy Federal Loan broker XXXX XXXX stated that after the loan closes we are eligible for a one time no obligation interest rate modification if the rates drop since our interest rate was higher than the market at the time. The rates did drop and we contacted Navy Federal customer services numerous times to get a mortgage rate modification and the Customer Service department stated that we could not get the rate interest modification we were misled. The broker mislead us to sale the loan. Doing the closing process XXXX reiterated that we would have the rate modification option, since our rate was significantly higher that market rates. Overall this is a huge monthly increase of thirty percent since the close of the loan, in less than two years. This has placed a huge financial hardship and burden on us We need your assistance to bring our payment manageable and bring Navy Federal into regulatory compliance from numerous and egregious predatory lending practices on this loan. Thanks for your attention in this matter. Sincerely, XXXX XXXX and XXXX XXXX | ||||||
| 12/12/2023 | Yes |
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| My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that NAVY FEDERAL CR UNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that NAVY FEDERAL CR UNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file. | ||||||
| 08/30/2017 | Yes |
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Web | Servicemember |
| Company : Navy Federal Credit Union ( NFCU ) At the time we applied for XXXX XXXX XXXX XXXX card, appx. XX/XX/XXXX, we were eligible for a promotional balance transfer rate of 0 % for 12 months. When we received the card, appx. XX/XX/XXXX, we called to inquire about how to take advantage of the offer and were told to initiate the balance transfers online through our NFCU account and the promotional rate would be automatically applied. We were never told that the promotional rate was nearing expiration and were never notified the promo rate had expired when the balance transfers, in the amounts of {$12000.00} and {$10000.00} ( total {$23000.00} XXXX posted to the account appx XX/XX/XXXX. We did not discover until just a few days ago when I went online to schedule a payment, appx. XX/XX/XXXX that the promotional rate was never applied. I only noticed this when the balance seemed higher than it should have been. It took me several minutes to navigate their online system to find my statement, but when I did locate it, I saw there was no promo rate. When we called to inquire, we were told we had to submit a formal request/grievance for an exception, which after indicating it " probably wo n't be a problem to fix it, '' we were notified today, XX/XX/XXXX was denied. Their reasoning was 60 days have passed since our balance transfer was initiated so they were not honoring their offer. We feel this is unacceptable. We were not notified at the time we called to ask about how to take advantage of this offer that the offer had expired or was nearing expiration and thus followed the instructions we were given by NFCU staff. We were also told at the time we spoke to a representative that if we had any issues with the promo rate not applying automatically, to call and it would " be taken care of, '' which we did immediately. Then, after we were told it " probably wo n't be a problem to fix it, '' they denied our very reasonable request. We feel we have been essentially duped into paying HUNDREDS OF DOLLARS in interest and I have notified NFCU that I am submitting a formal complaint with the consumer financial protection bureau. | ||||||
| 06/14/2022 | Yes |
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| On XX/XX/XXXX, my husband answered a call from a scammer that claimed to be from Navy Federal, and he gave them confidential information about his account. As a part of that conversation, they took money from him and sent XXXX to me via XXXX, which was tied to my XXXX XXXX XXXX XXXX account. Due to this transaction, my XXXX account was compromised, and I was locked out. When contacting Navy Federal Credit Union, I was told to contact XXXX. When contacting XXXX, they told me to get Navy Federal. It has been a complete merry-go-round with Navy Federal. They have been very unhelpful, and one person was actually rude. I finally was able to speak with someone in XXXX who told me that the restriction was because of the fraudulent activity on XX/XX/XXXX from the scammer and my email was compromised and that XXXX would have to be the ones to remove my restriction. I contacted XXXX where it all started and spoke with an awesome manager who worked tirelessly for two weeks to assist me ; she reached out to XXXX, to XXXX, and no one would give her any answers. After investigating and researching, she discovered that this restriction was not my fault and removed the restriction from my account. I've reached out to Navy Federal on numerous occasions asking for the same investigation and help, and they refuse to help me get the restriction removed. I even explained that I changed my email so there wouldn't be any more conflicts, and they still refused to assist me in removing that restriction from my account. I do not use XXXX as my primary banking because it's in Louisiana, and I live in Texas, and it's tough to find branches and someone to talk to in person. I use Navy Federal for all of my primary ( which I no longer want to do business with ) financial needs, and they are now causing inconveniences for me to use at the new banking institution that I've chosen to bank with because of my XXXX is restricted with them as well. I would also like to add that my husband 's XXXX was also restricted, and Navy Federal told him the same thing the restriction can not be removed, but his restriction was removed instantly after the scam. | ||||||
| 12/10/2021 | Yes |
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Web | Servicemember |
| I am currently in process of a mortgage with Navy Federal Credit Union. I have several concerns including misinformation and dishonesty within the process. Currently, although I am told it was complete, they are refusing to provide me a copy of my appraisal, an appraisal that I paid for over XXXX days ago and am told was completed on Originally our closing was set for XXXX, I had to call and email 3 times on XXXX to advise them that I had not received my CD and that I have enough knowledge to know that we could not close on time had I not received it that day. I was then told that my loan XXXX was out and had been for 4 days, and, oh yeah we'll just move that back. I've asked to speak with a supervisor several time. I have also emailed her directly. She has never returned my calls-she did reach out to my co-applicant, but did not answer my questions. I again reached out to her and she has yet to respond to me in anyway. I formally requested a copy of the appraisal again today. I emailed my request to the mortgage officer, her partner or back-up, and the supervisor only to receive an email from the agent telling me that we could not access the document. I'm told that the appraisal is what is holding my mortgage, but that it is complete, so clearly either someone is intentionally misleading me or there is a serious breakdown in communication and processing of mortgages within this organization. Furthermore, I am being told by the listing agent that no one ever contacted her to walk through the property and it is my belief that the appraisal has not been done and that I am being lied to. Either way, if they do not have this rectified by XX/XX/14 in time for the CD I will lose the house as seller advised he will not extend again. I shared this information with Navy Federal and were basically told that is unfortunate, but not their problem. I have paid a non-refundable {$500.00} option fund, a {$670.00} inspection fee, and {$550.00} for the appraisal. What recourse do I have if I am out those funds due to their inept servicing of my file? I would be happy to provide XXXX numbers as well as copies of emails if needed. | ||||||
| 04/26/2023 | Yes |
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| I submitted an error on my credit card account pursuant to the Electronic fund transfer act on XX/XX/2023 of the entire amount allegedly due. I didn't recieve confirmation until XX/XX/2023 that Navy Federal Credit union were reviewing it. I explained to them why my allegedly debt was in error. They ignored the EFTA by not crediting my account within 10 days and proceeded to take money out of my account to offset the alleged minimum balance due violation of the TILAct when in fact the entire balance including the minimum balance was in dispute and collection was supposed to stop as well as reporting my account delinquent when in fact it was subject to a dispute the moment they recieved my email pursuant to EFTA and the FDCPA. I contacted Navy Federal and advised them that they were violating the law and my rights by stealing my money and not folowing the law. I was told that they can take my personal funds out of my account because I ghave them a security interest. I never gave consent for them to take a security intertest they are trying to make me subject to their abusive and unlawful business practices. I never negotiated any terms to an agreement that they are trying to enforce upon me. They are guilty of abuse by taking unreasonable advantage of me through their unequal barganing power ( non-negotiable ) terms and conditions and my lack of understanding the conditions of this credit card product. Navy federal never gave me full disclosure nor was anything clear nor conspicous the security interest is stated in fine print on the second page of the unenforceable agreement they sent to me on XX/XX/2023. Navy Federal conducted a bad faith investigation into the error I sent to them by sending me on several different occasions conflicting information, no accounting evidence provided to substantiate their statements nor was verification given from any senior executive memeber in which I requested. I want to be made whole for Navy Federal abusive, deceptive and unfair business practices in violation of the FDCPA, EFTA, TILA, CFPAct which has caused me substantial injury in which I could not reasonable avoid myself. | ||||||
| 12/03/2017 | Yes |
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| I obtained a loan from Navy Federal Credit Union in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by Navy Federal after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from Navy Federal both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting Navy Federal by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on Navy Federal the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was pregnant may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like Navy Federal Credit Union to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties. | ||||||
| 12/16/2022 | Yes |
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| NAVY FEDERAL CREDIT UNION # ACCT XXXX Pursuant to the Fair Credit Billing Act, A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts have billing errors. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request NFCU provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by XXXX, NFCU can not lawfully furnish these inaccurate negative informations to the credit reporting agencies. The United States is bankrupt. If these alleged debts are valid, what authority NFCU do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us VOID and UNENFORCEABLE.ANSWER THESE IMPORTANT QUESTIONS NFCU. Does these accounts include a finance charge? If so, does the finance charge include a premium that protects the creditor in case of default? Has any insurance been filed on these accounts? If a XXXX or any insurance has been filed on this account, you have NO RIGHT to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of these inaccurate informations would constitute a breach of fiduciary duty. Since there is no law under the Fair Credit Reporting Act requiring NFCU to report negative information to a consumer reporting agency, NFCU maybe knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. NFCU 'S policy does not supersede XXXX XXXX. I am demanding these charge offs be UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm and stopping me from extending credit in commerce which is my FEDERAL RIGHT. | ||||||
| 08/15/2019 | Yes |
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| In XX/XX/2019, I hired a gentleman whom was advertised on XXXX and XXXX as XXXX XXXX as a Debt Allocation Specialist. He had degrees from XXXX and XXXX XXXX and specialized in debt payments. Unbeknownst to myself and both my Navy Federal and XXXX checking and savings accounts, XXXX gained access to my home network server and gained an entrance to every single bank account and credit card that I possessed. XXXX, single handedly went into my Navy Federal Account and made cash advances on each of my credit card and maxed them out. I am currently liable form almost {$80000.00} in fraudulent and reversed charges because of them person. My complaint comes at Navy Federal Credit Unions lack of investigation. According to the NCUA guidelines, it is my understanding that the credit union would have performed a thorough investigation. However, this did not happen. Despite the fact that I called NFCU at least a dozen times to inform them of XXXX fraudulent an illegal scam, I was never allowed access to any security or investigator at all. This continued for almost three weeks. In the meantime, XXXX again gains access to my same Navy Federal account and makes fraudulent payments from an illegal XXXX XXXX XXXX checking account. An account that I had no idea even existed. Again, Navy Federal did nothing. The Union seemingly sat back and watch as XXXX conned and stole my money. So much so, that even a fellow Navy Federal member who received some of the stolen monies was never even questioned. I know this because I was told so by several of the employees of the union. I have very serious issues with not only the person of XXXX XXXX whos ads are still prominently displayed on several Social Media sites, but I have extreme issues with Navy Federal Credit Unions lack of response. To day, the union has not conducted one bit of investigations into my claims. However, according to their records, Im still liable for all of the almost {$80000.00} that was stolen. This is against all rules and regulations as set forth by your Association. Police reports and statements are included. Thanks for your time. XXXX XXXX | ||||||
| 04/01/2019 | Yes |
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Web | Servicemember |
| So on XX/XX/XXXX i had funds taken out my checking that were not mine i also received a call by my bank that money was being taken out in Florida that had nothing to do with me. I proceeded on giving the bank my information like my pass code and my full name and address in order to have them freeze my card and send me a new one and they even sent me a text to confirm i had changed my my pass code. When i went into work an hour later i checked again and XXXX dollars was taken out my savings and checking. The savings was sent to my checking and everything was taken out in Florida. I called the bank trying to find out why i had still been fraud and they told me the person who called you was a fraud and i was in disbelief because me thinking the bank i had put all my savings was helping me was either hacked into or had no idea it was me being fraud. So i talked to the bank and they said i was victim of fraud and that they would submit the case so i thought i was going to be okay and have my funds returned because that's i had saved up during my time in the XXXX. I did two XXXX to XXXX and XXXX and me thinking me protecting the country they should be able to protect my money. They sent me a letter in the mail and said they wouldn't give my funds back or give me any money because i basically gave them permission to take my money by providing them my information for the bank. So i was confused on why they wouldn't help me get my funds back because i didn't give them permission to do any of it or take anything i thought it was the bank helping me get my funds back but it was the fraud calling me. So i had saved that money just in case i had in troubles when i got out and they didn't care to help me. Im about to be homeless and have nothing because those XXXX dollars were all i needed to keep me going until i could find a good job that would help me and pay more. So im asking you guys if you could please help me fight this because this isn't right i didn't allow anyone to take my money because that's money i need for the future to get myself a good home its money i saved serving the country to my absolute best. | ||||||
| 09/29/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023, I had Navy Federal Credit Union transfer a balance from another credit card company in the amount of {$790.00}. On XX/XX/2023, I paid off that entire balance. On XX/XX/2023, I was charged interest in the amount of {$11.00} and didnt understand why. On XX/XX/2023, I called the credit union and spoke with XXXX and he stated that I was charged interest and would continue to be charged interest until my entire credit card balance was paid in full. I asked him how could that could possibly be legal. He said that I was made aware when I signed up for the balance transfer and that he would email the terms and conditions to me. I advised him that I was not made aware of any such terms and conditions and he placed me on hold because I asked him to read the information to me. He placed me on hold and was not able to provide the information and at that point, I requested a supervisor. A supervisor, who identified herself as XXXX took over the call and she said that XXXX said that he had confirmed my email address and emailed the terms and conditions and I advised her that both things were a fabrication of the facts and extremely concerning to me. I advised her that I had already filed a complaint ( XXXX ) with the CFPB regarding other fees regarding a cash advance and the credit union had requested additional time to respond. I told her that the credit union had advised me that they were confident in their position and I told her that if that was the case then I didnt understand the need for additional time to respond to the complaint. XXXX went ahead and emailed the terms and conditions to me after the fact and I asked her why that information wasnt provided to me before I received the balance transfer. She said that information was available on their website. I advised her that I had already paid the balance transfer in full and should no longer be charged interest and she said that the credit union doesnt have the ability to keep separate balances, yet they itemized three separate charges for interest for balance transfer, cash advance and purchases, so her explanation didnt make sense at all. | ||||||
| 05/14/2021 | Yes |
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| Within the past 2 months, I have tried to resolve this issue multiple times with Navy Federal and no one helps me. I called Navy Federal around XX/XX/XXXX after receiving a letter that I will be reaching my loan maturity date on XX/XX/XXXX and that my payment would be {$210.00} instead of the {$100.00} that was the original payment on the loan. I spoke with them for almost an hour. The personal finance team told me that someone would reach back out to me within 3 days because I may have been overcharged. I called back on XX/XX/XXXX and I was advised that they were still working on it. I called back again on XX/XX/XXXX and I spoke with them for 41 mins and I was advised that the reason that my payment changed was because I lost my payment protection plan. I called back again on XX/XX/XXXX, XX/XX/XXXX and spoke with them another 41 mins and on XX/XX/XXXX and still no resolution. I am upset because Navy Federal cheated me out of my protection plan. 3 years ago, I made a complaint because I had the protection plan that was supposed to kick in when I was out of work and could not pay. I called Navy Federal and let them know that I could not work ( which lasted 3 months ) due to being injured in a car accident. Navy Federal did not help me to file a claim and just made payment arrangements with me instead of servicing me with the product that I was paying for. After I made a complaint to the CFPB, they apologized for not servicing me and to compensate me, they waived my late fees which would equal up to the amount of payments that I missed. Navy Federal is now punishing me due to them making an error with their products were they should not have changed my payments from {$100.00} to {$210.00} which is more than double of my original payment. I have spoken with supervisors and several departments in order to resolve this issue and no one will help me. They all say that they can not help me even though they made a mistake that is costing me as a consumer and that is not fair.and they never informed me about the {$210.00} payment either until the end of my loan which is why I called to resolve this issue. | ||||||
| 10/03/2022 | Yes |
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Web | |
| I applied for a HELOC on XX/XX/2022 with Navy Federal Credit Union, and as soon as I was assigned a loan officer, I emailed to explain that I did not have income showing on my tax returns over the last two years due to Covid and family trauma ( I chose not to work because I was in the position to do that ), but my income ( direct deposits into my NFCU account ) from my company this year was over six figures because I went back to work. I was assured my year to date income would be considered, but after paying {$510.00} for an appraisal on XX/XX/XXXX, and after waiting 2 months since application, they sent me a denial today, XX/XX/XXXX, saying my income was insufficient because they based it solely on my last 2 years tax returns and did not even collect the information for my year to date income. I asked from the start if this would be an issue, and I have saved the emails I sent from early XXXX regarding this. I also had enough cash in my NFCU accounts to pay the full HELOC amount 3 times over, which I did not put to use on other opportunities because the advised me not to make any other investments with these funds during the HELOC processing ( steep opportunity cost here ). They did not even call or offer a lower HELOC amount, they just sent a denial letter on XXXX. After 25 years with NFCU, I'm taking my business elsewhere because I got such a run around with this, and now rates are higher so it's not worth it for me to apply somewhere else. In addition, my credit has dropped down from XXXX because of the hard credit pulls from NFCU. They are relying on technology to do the work that they need to have actual humans doing because if there were responses and real communication during this process, some kind of alternative could have likely been reached. NFCU is now unresponsive. The bottom line is that despite my full disclosure of my income situation, NFCU did not verify anything with my income before having me pay for an appraisal. I obviously would not have wasted my money if I had any idea that there was in fact an issue with everything I disclosed as soon as I was assigned a loan officer. | ||||||
| 12/10/2023 | Yes |
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Web | Servicemember |
| I am writing to formally dispute and bring to your immediate attention a significant inaccuracy that I have identified in my credit report, as provided by your agency. The discrepancy pertains to the reporting of outdated information related to the following closed credit card accounts : Account 1 : Creditor Name : XXXX XXXX XXXX Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$2800.00} Last Reported : XXXX XXXX, XXXX Account 2 : Creditor Name : XXXX XXXX Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$22000.00} Last Reported : XX/XX/XXXX The reporting of these closed accounts with outdated information is not only misleading but also damaging to my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date reporting of my credit history. I kindly request an immediate and thorough investigation into the following discrepancies : Outdated Last Reported Date : The last reported date for both accounts is outdated and does not accurately reflect the current status of these accounts. The information has not been updated since XXXX XXXX, XXXX, and XX/XX/XXXX, respectively. I request that you investigate these discrepancies promptly, verify the accuracy of the information with the relevant creditors and furnishers, and correct any inaccuracies found during your investigation. Additionally, I request that you provide me with a copy of the corrected credit report once the investigation is complete. I have enclosed copies of the relevant portions of my credit report, highlighting the discrepancies for your reference. Please consider the supporting documentation attached. I am confident that your immediate attention to this matter will lead to the necessary corrections, ensuring that my credit report accurately reflects my current financial history. I anticipate receiving a written response outlining the results of your investigation and the actions taken to rectify these inaccuracies. Thank you for your prompt attention to this urgent matter. | ||||||
| 02/12/2023 | Yes |
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Web | |
| I recently received a copy of my XXXX, XXXX XXXX XXXX consumer report, and i noticed that NAVY FEDERAL CREDIT UNION are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) NAVY FEDERAL CREDIT UNION Making the report is NOT INCLUDED on my Consumer report! A LATE payment is a transactional history, My HISTORY WITH NAVY FEDERAL CREDIT UNION. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! NAVY FEDERAL CREDIT UNION HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. PUT ON NOTICE that the reporting of my transactions or experiences with NAVY FEDERAL CREDIT UNION to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 USC 1681a 2 Ai and this constitutes to inaccurate reporting. Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something | ||||||
| 08/01/2019 | Yes |
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Web | |
| I filed a dispute with NFCU about a charge from a bar in XXXX called XXXX XXXX. When I was leaving I went to pick up my card and pay my bill in cash and was told my bill was over {$400.00} to which I immediately told them they had the wrong tab as I only had 2 XXXX XXXX, a vodka soda, and a hookah. They reviewed and I ended up paying {$80.00} in cash which included the cost of drinks, hookah, and a tip. I was NEVER given a receipt but I was given my credit card back and they said it wouldnt be charged. Later on I saw that I was in fact charged to my card and I waited to see if it was an error that would fall off but it never did and posted to my account, so i filed the charge back with NFCU. The provisional credit was given and when I made the claim NFCU asked if I had any documentation I wanted to send over to which I explained I didnt as I wasn't given any receipt for the cash payment i paid and I didn't have a credit card receipt because I was told it wasn't ever charged and i never signed for anything. XX/XX/XXXX my account was redebited for the amount and I had to file an appeal because I was told that the merchant came back and said that the services were valid. Today XX/XX/XXXX I received a response to my appeal which stated that they wouldnt reopen the case unless i provided a sales receipt so I called the bank directly and was told that the case was closed initially because i didn't provide documentation and that they didn't contact the merchant. So not only did they lie but they failed to followed Federal guidelines as per Reg. E when it comes to unauthorized charges. I asked for copies of all documentation used in determining the charges were valid and was told they didn't have any because they didn't contact the merchant. The merchant can't provide any documentation because they dont have anything from me signed because they gave my card back and I never signed for any receipts! This is completely outrageous. The merchant is committing theft and the bank is a in violation of federal regulation. I want my money back to my account within 72 hours or this will be escalated legally.. | ||||||
| 01/04/2022 | Yes |
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Web | |
| I opened a new account with Navy Federal Credit Union yesterday XX/XX/22, Checking and Savings, I was asked if I wanted to allow any joint users and I said No, I was told checking and savings were both free, I made their {$5.00} required deposit to become a new member, and they helped me set up a XXXX account so my employer could transfer my payroll check for my last 30 day pay period. My employer transferred {$2200.00}, I went online and paid my rent to XXXX XXXX XXXX by echeck with the account information. I went in my account this morning and {$2000.00} is missing from my new account the transaction shows as an " adjustment '',. And I still have the outstanding check that is currently processing for my rent. Navy Federal is stating that the money taken was a credit debt for another member who I was associated on another account with. I said I did not allow any joint users on this new account. The collections department who I do not owe any money to is very rude and unprofessional, I have never had any credit debt with navy federal, they are treating me very unfairly and I have been on the phone all day with different " managers '' who say they are reviewing the calls to see if I in fact intended to open a new account. If my rent check bounces my late fee is {$120.00} plus any bounced check fees and I will no longer be allowed to use the echeck system through my property manager again due to navy federal tricking me. They lied to me about what they were doing with the new account and took my money for a debt that does not belong to me. This was supposed to be a new account and they tricked me and stole my payroll check for an entire 30 days. I will face many fees and financial damages I can not afford because of them lying to me about my initial deposit. The worst part is how they treat me trying to ask for help, I am taken in circles and have explained the situation repeatedly to many people who say they are reviewing recordings while my families rent is on the line and they could care less. This is making me sick to have my money stolen for choosing to be a member of their credit union. | ||||||
| 12/02/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, Navy Federal restricted all of my debit cards and state it is for a year. They did not inform me of this restriction. When I contacted them they state it is because of fraud claims. I have had three claims and they state I have had 5. One claim was due to their negligence in including the charge in the previous claim. They state there is a limit but this information is nowhere to be found. They have in their agreement a XXXX tolerance for fraud and to use your debit card freely without worry and charges would be covered. My information was stolen and I reported it. Also, I am a XXXX woman who can not always go into the bank to withdraw cash and I rely solely on the use of my card to buy groceries, buy my kids clothing and pay my bills. They are denying me access to my funds with my card and they do not offer checks. Furthermore, I spoke with an account specialist who stated that cards get stolen if entered into XXXX XXXX but they send you the card information prior to you receiving it in the mail and say to enter it into XXXX XXXX. She stated it was my responsibility to not so such but they email you and tell you to. I attempted to open another account at Chase Bank and set up to transfer my funds to them so I could have access and they denied my transfer and stated that they would not allow any transfer to that account. I have funds in my account and I am also on my sons, husbands and mothers accounts there and none are in bad standing. My husband has been XXXX XXXX for over 17 years and had an account there and I have had one since XXXX. I followed their instructions in reporting when someone stole my information and I am punished for such and not permitted to have a card or transfer my money out of the account. As I stated I am XXXX and have been since XXXX and can not go into a branch just to get access to my funds and they are denying me my rights and will not give me the proof I asked for. This has caused me added stress and now am XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They have treated me terribly and like a criminal when I did nothing wrong. | ||||||
| 06/17/2019 | Yes |
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Web | Servicemember |
| On XX/XX/2019 I went to South Carolina to begin my XXXX XXXX for the United States XXXX while down there I had none or very little access to phones, internet and even my money because we were training to become XXXX but while I was down there my banking account had been compromised with navy federal leaving me with XXXX cents due to atm withdrawal fees over XXXX $ During the time I was in XXXX XXXX which I didnt need know where near that kind of money and the atm chargers where nowhere near close to where I was at the time and I told navy federal I could prove it with documentation I was in XXXX XXXX. when I had got my phone back after two months on XX/XX/XXXX family day and checked my bank account I found out somebody had stole my identity and acted like me guessing my code word to navy federal and changed the pin to my lost/stolen card because I didnt give anyone permission or know anyone personally who would steal my money and the police are investigating now to access it so I changed everything about my navy federal account new routing number, new pin, new code word. I asked did they need any of my documentation for the credit provisions they were giving me and do I file a police report with them or the cops and I did it with the cops they told me no even though I couldve provided it so on XX/XX/XXXX I was negative the balance that was stolen from me and the credit provision so I called navy federal they were very rude and little to no help at all the call center representative told me I was denied because a third party who we both dont know who it is, said I gave written permission to spend my money so they denied it without even verify sources after I told them I dont know who stole the money and my card was lost then stolen that was the second time they let somebody act as me on behalf of my account the fraud supervisor XXXX or something hung up on me after she said she couldnt do anything to help me which was very rude. I just want to get my money back and how does navy federal keep letting my account get compromised if I try to go threw all these precautions measures to not! | ||||||
| 12/01/2023 | Yes |
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Web | Servicemember |
| Navy Federal credit union has failed to provide the consumer ( ME ) with the option to opt of of non disclosure reporting to Non-affiliated 3rd party companies ( credit bureaus ) every 30 days as noted in 15 USC 6802, and also violated my rights IAW 15 USC 6803 reporting my nonpublic information to nonaffiliated 3rd party companies ( credit bureaus ) and the terms set forth by navy Federal credit union. 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. | ||||||
| 10/19/2023 | Yes |
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Web | Older American |
| Monday XX/XX/16 I went online regarding a personal loan. Tuesday a gentleman called me from a company called XXXX XXXX. We offered me a {$2100.00} loan at at a favorable rate. I gave him my routing and account number. XXXX later, {$2100.00} posted to my account. I called to let him know that the funds posted. He then stated his supervisor disagreed with the rate he had given me and he would have to raise the rate which was doubled. I was extremely upset and told him that I'm returning the funds asap. He gave me XXXX XXXX info to send the funds. The transactions wouldn't go through. He said I can mail a check. I responded I'm a XXXX XXXX, XXXX from home and will not be home for another XXXX weeks and by then, a payment will be due and then I'm committed. He stated the only other way I could get the funds back to them immediately is go to XXXX and get gift cards and send them the info from the cards. It sounded strange to me but I didn't care. Not thinking it's any kind of scam because I have their money. Come to find out the next morning by Navy Federal, they somehow accessed my account and debit card number. Filed a bunch of disputes on previous transactions to total {$2100.00}. It's destroyed now but I had my debit card in my possession. Didn't give ANYONE my login credentials or debit card info. Now Navy Federal is holding me responsible. I've been out of work due to illness for the past month and extremely short on funds. That's why I was looking for a small loan to pay some bills until I get back on my feet. I've gotten fraud alerts and my card temporarily shut down trying to by XXXX out of XXXX because their system felt something isn't right. But submitting a bunch of disputes in a XXXX min time frame didn't raise a eyebrow. Ive been fighting identity theft issues for the past few months. It consisted of someone applying for credit products in my name. After the Navy Federal representative told me they had all my info, I thought my phone might be compromised and I did a master reset on the phone which deleted the forms I was sent via links in texts. I have no idea what to do. | ||||||
| 12/28/2022 | Yes |
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Web | |
| Approximately 9 months ago I was added to my significant others checking account, the person assisting asked if I wanted to open a savings account as well, I said yes. 2 weeks before XXXX, after the accounts were all used for 9 months a transaction from navy federal out of my savings account totaling {$500.00} wiped the savings account completely out. After attempting to get answers for 3 days via phone, and in person it was concluded that they didnt know and that it was from a charge off account but it was so long ago they could not obtain information. I initiated a dispute to the bank for the prior account ( the only account I had ever had there prior was a joint account which they were very adamant this account was not ). I disputed ever having my own account in 2013, since I was not authorized to have my own account there with this company considering I was no longer affiliated with the XXXX. The only information provided to me, despite numerous requests to provide proof/documentation that they were authorized to blindly wipe out my account, was that there was a balance of {$650.00} from a charged off/closed account in 2013. ( 10 years ago ) I initiated disputing ever owning my own account, and the knowledge of any of this, as well as inquired as to why Id be allowed to join this bank on a joint account, open a savings account, use the accounts for 9 months, before having my account wiped out without any knowledge, and without being provided proof. When I asked for proof, I was told we sent it to you. I have received nothing thus far from this bank regarding money owed, or proof that I owned a private account. I had to quickly release myself from our joint account so no more money would be taken from us ( as it was made clear an additional {$160.00} would be taken immediately once deposited ) causing turmoil 2 weeks before XXXX and funds that were supposed to be deposited. It caused NUMEROUS overdraft fees resulting in {$250.00} in fees on top of the charges that didnt go through. Financially for us XXXX and the XXXX were ruined due to this banks inability to be professional. | ||||||
| 11/27/2023 | Yes |
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Web | |
| I opened a checking account in XXXX XXXX with Navy Federal Credit Union ( NFCU ), deposited {$25.00}. I was informed that restrictions were placed on this account due to results from XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I disputed the results through XXXX XXXX XXXX in XX/XX/, the reporting agency. My bank confirmed that I was not liable and XXXX later notified me in writing ( and provided a copy of the updated report ) that the reported item was removed. On XX/XX/, I received a letter from NFCU stating they " requested the removal of the disputed information. '' However, the restrictions were not lifted ; and therefore, I can not access my account. I called the NFCU toll-free line on XX/XX/, requesting that the restrictions be lifted. My request was denied, and the representative stated that I needed to take the updated report to one of their branches ( 30 mins away from home ). I opted to call XXXX to inquire about how they report the updates and they stated that there is a live database that NFCU should have access to review the updates. I called NFCU back on XX/XX/ and learned they were unaware of this database. I took the updated XXXX report to NFCU on XXXX requesting restrictions to be lifted. The representative stated that she was unfamiliar with this kind of case and contacted two next-level representatives, who could not help. I requested to close the account instead. This request was denied. I requested information for filing a complaint twice before receiving contact information for the Consumer Financial Protection Bureau ( CFPB ). I was not provided a direct contact for the institution to file a complaint. The representative also communicated with the manager, who stated that they needed the dates of my phone calls to their toll-free numbers in order to escalate. I provided this information. I was also directed to the security department, which MAY be able to help me. There seems to be no protocol to address my issue, and they are withholding my funds even though I submitted proof of the updated report from XXXX and provided them with the letter they, NFCU, sent me. | ||||||
| 02/25/2020 | Yes |
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Web | |
| I requested a balance transfer onto my new card, when I opened the account on XX/XX/XXXX. To this date of XX/XX/XXXX, navy Federal has failed to pay off my other card, but has charged my new platinum visa card, on XX/XX/XXXX, in the amount of XXXX. The inquiries I make vary wildly and all information I'm given is conflicting and inconsistent. They charged me for the balance transfer, but never paid off my XXXX XXXX XXXX balance. I spoke with my Branch Manager who also failed to fix the the issue. They have charged me for the balance transfer and never paid off XXXX nor give me clear information about what is happening or when it will be paid off. I asked them to follow up and they refused via the call center supervisor today on XX/XX/2020. They always have excuses. They wanted to do a stop payment today, and reissue the check, aka start from square one, again. I need it to be paid and they have failed to do this. They kept insisting to cancel the check and reissue it, and I refused because I knew that at some point XXXX would try to deposit it, and I would incur a fee. I also knew that Navy Federal would not reimburse me for the fee either. Update : I attempted to open a previous case with the CFPB, and Navy Federal ignored it. They ran down the time they had and fraudulently closed this case a a " duplicate '' with the CFPB. It isn't a duplicate case and I don't think Navy Federal even looked at it. I was never helped by Navy Federal. They do not appear to have any management or escalation department. My card eventually was paid with XXXX. The problem at this point is that Navy Federal took so long to pay off my XXXX card after they charged me for it, that XXXX charged me a ton of interest during the balance transfer process. THIS IS NOT A DUPLICATE ISSUE. NAVY FEDERAL HAS NOT HELPED ME AT THIS POINT OR TRIED TO. THEY HAVE DONE ABSOLUTELY NOTHING. I initially reached out to NCUA and they closed my case immediately, claiming that the CFPB would need to handle this case. There is no other case on this issue and this is not a duplicate case. THIS IS NOT A DUPLICATE CASE. | ||||||
| 03/30/2021 | Yes |
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Web | Servicemember |
| -We applied for our refinance XX/XX/2021 and was assigned Loan officer Ms. XXXX and processor Mr. XXXX . We had questions concerning what we would qualify for and asked for the guidance of the loan officer. It was not until a month later after calling and emailing Navy Fed repeatedly that we were directed to submit a different application for our refinance XX/XX/2021. -We were given a new loan officer Ms. XXXX and processor Ms. XXXX XX/XX/2021 to resubmit all paperwork and ink signatures for processing. We completed the paperwork within 72 hrs and submitted again to Navy Federal. -We were given conditional approval XX/XX/2021 -XXXX XXXX, XXXX I was contacted by the Navy Fed appraisal division to schedule the appraisal. The lady who called, XXXX XXXX, asked for my password to log into my Navy Federal account at which point I halted further conversation and asked her to verify her identity. I had to call Navy Federal and check her credentials because I knew it was not protocol to have to gave out your password to any employee over the phone. The Navy Federal customer service rep I spoke with verified she worked with Navy Fed and emailed her supervisor to notify them of what happened and also directed me to work with my loan processor to schedule the home appraisal. I notified our loan processor to move forward with the appraisal that same day. I heard nothing back for two weeks so I called XX/XX/2021. The appraisal was not scheduled. I requested and paid XX/XX/2021 for the appraisal to be processed. Two additional weeks have passed and I still havent been contacted for the appraisal date. -I already submitted paperwork via homesquad for review for all work verification, tax info etc. everything requested we sent in a timely manner. -My husband now has military orders to XXXX in XX/XX/XXXXand we were just notified that our refinance request has been passed to another team for processing! There have been too many hands on this request and it is still nowhere near completion. This is beyond absurd and no way to do business thinking youll have repeat customers. Never again! | ||||||
| 10/16/2020 | Yes |
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Web | |
| On XX/XX/XXXX I went into the Navy Federal Credit Union ( NFCU ) branch located at XXXX XXXX XXXX, XXXX, VA XXXX. I saw a teller to make a couple of transactions. I was paying some bills with the funds coming out of my checking account. I told the teller that I was making a payment of {$100.00} to my credit card and a {$100.00} payment to my personal loan. I told the teller that I wanted to pay my car note but that I was not sure of what the exact amount The teller proceeded to look up the amount that is due and also made it a point to let me know that my car loan was paid up until XX/XX/XXXX and I told her that I was aware and that I was making XX/XX/XXXX 's payment. The teller said ok. At the end of the transaction the teller gave me three slips showing that a payment was made to three accounts but the receipts do not say which account so I thought that everything was done and done properly. It was not until XX/XX/XXXX around XXXX XXXX that I realized there was an error because I had received and notification that there was a change on my credit report. So I proceeded to look at my credit report to see what the change was it said that my balance had increased by {$77.00} in interest due to a missed payment. I then reached out to NFCU around XXXX XXXX to address had been posted to my credit report and it was at that time that it was discovered that the teller had taken my car payment and applied it to the wrong account. The teller told me that they could reverse the payment to the wrong account and apply it to the proper account. I explained to the customer service representative ( CSR ) that the account that my car note had been applied to was now closed because it was paid off. The CSR then told me that I could just make another payment it I wanted to but that since my auto loan was paid up for months in advance that it really would not affect my credit. I explained to the CSR that if that were true then I would not have gotten a notification that there was a change in my credit status. I have tried to speaking with a supervisor and was not able to get any assistance. | ||||||
| 03/30/2015 | Yes |
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Web | Servicemember |
| I tried to refinance my truck through XXXX to get lower payments. They denied me because they said I have a delinquent account with Navy Federal Credit Union. I have a credit card with Navy Federal Credit Union I have been trying to pay off, and always make my payments WITHIN 30 days of the due date. Usually my payments are made within 10 days because of the date my military pay check comes in versus the date they have for my payment to be due. I always make my payment on the XXXX of the month and the due date is on the XXXX of the following month ( ie : due date is XXXX XXXX, I make payment on XXXX XXXX when the military pays me. ) The reason I took out the credit card was because last year I hit financial hardship and had to pay for my moms bills because she was in a XXXX and out of work, as well as had to pay for a surgery for my dog who was in an accident as well. I 've spent the past year playing catchup and finally have caught up bht I always made my payments on the credit card within 30 days so it would n't be considered delinquent. However, somehow Navy Federal Credit Union made the account delinquent and reported it, so now it is having a negative impact on my credit that I worked hard to obtain and build. I can not refinance my truck to make my payments lower to save more money because of a report that was made before the 30 day period. I would like to find out why this was put on my credit report and see if I can get it taken off because it is negatively impacting my credit. I have a car payment, a mortgage both of which are always payed on time to the day, as well as have a small loan with another compan that is payed on to the day. No other bills are late either. The only account there is an issue with is the navy federal account that reported delinquent without thirty days and whom charge me double interest rates that make it hard to make any headway on the card. I am XXXX military and am coming on my XXXX year in. Refinancing a truck I make payments on on time should n't be an issue but it is because Navy Federal Credit Union is holding my account delinquent. | ||||||
| 01/03/2021 | Yes |
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Web | Servicemember |
| Hello, I currently have a mortgage with Navy Federal for $ XXXX. My mortgage is on a home built/purchased in XXXX. For the last two years, I have received a check back the following year, based on the overage paid into my escrow account. I have made several attempts/request to have Navy Federal complete an escrow analysis, because they are clearly collecting too much money from me each month. I currently pay {$470.00} per month in escrow, as a result of the {$470.00} escrow payment, my monthly mortgage payment is over {$1500.00}. Last year, I had to make my own home insurance payment ( the insurance company sent me a bill since Navy Federal did not make the payment ). My XXXX property taxes were yet again thousands of dollars less than what was charged/collected from me over the 12 month period - so I am now being sent a check for over {$2000.00}. As I've explained to the multiple CSRs I've spoken to and in the numerous emails I have sent in to the company - the unnecessary collection of funds is creating a hardship for me, as the Veteran consumer. I understand they aren't concern, because they are collecting the funds. However, I work hard to ensure I pay my bills and pay them on-time. It is extremely unfair that this corporation continues to charge me unnecessarily. The corporation is forcing me to have my assets tied up in an account which I prefer not to have. I've spoke to the property appraiser to understand why they claim to need to collect one amount for my taxes and my taxes are no where near that amount and the property appraiser had no explanation as to why Navy Federal would be collecting so much per month. I have tried to no avail to get Navy Federal to rectify the issue and each time I've been given no help. It seems as though no one is concerned and my issue is not their problem. I am in need of help and I am trying to be pro-active about the situation. I don't want to have to fall behind on my mortgage, just for someone to show concern and then look into fixing the problem. I know {$470.00} may not be much to some, but it would make a big difference for me. | ||||||
| 08/22/2022 | Yes |
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Web | |
| In reference to the Fair Credit Reporting Act : These following accounts are violating my consumer rights by reporting wrong information, putting deleted accounts that were removed recently without notifying in XXXX buissness days in the past. Lastly my rights to privacy are violated. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) ON XXXX, XXXX, XXXX. WHICH PROVES MY STATEMENT TO BE TRUE. IF ACCURATE THEY SHOULD ALL REFLECT WHICH THEY DONT. PLEASE DELETE LISTED ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. XXXX XXXX Acct # XXXX Navy FCU Acct # XXXX NAVY FEDERAL CR UNION Acct # XXXX NAVY FCU Acct # XXXX XXXX XXXX XXXX Acct # XXXX ALL OF THESE ACCOUNTS ARE REPORTING DIFFRENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) PLEASE REMOVE 15 USC 1681b Consumer agencies are not allowed to report without my written instruction on my consumer report ) 15 USC 1681 section 602 A. States I the consumer have a right to privacy 15 U.S. Code 1681 ( a ) - Congressional findings and statement of purpose- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 USC 6821 Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. 15 U.S. Code 1681I-Certification of accuracy of information- States that once deleted from my consumer file it has to be reinserted unless i am informed no later than XXXX business days. I HAVE NOT RECIEVED THAT FROM IT BEING REMOVED TWICE OVER THE YEARS. I DO NOT WANT A DISPUTE I WANT REMOVAL IMMEDIATELY BECAUSE MY RIGHTS ARE BEING PUSHED TO THE SIDE | ||||||
| 02/09/2018 | Yes |
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Web | Servicemember |
| Submitted an application to add my husband to my account as a designated joint owner because he is XXXX and have provided me with a durable power of attorney. I wanted too change an account and add his deposits to my account because his bank is in North Carolina. This would make it easier for me to manage the funds because the bank in NC only have branches in NC, OK, DE and other states not close to Virginia. The Power of Attorney was on file and has been used in the past, but not too add him to my account. According to Navy Federal 's website : Joint ownership is not the same as Navy Federal membership. Federal regulations permit anyone to be designated a joint owner ; but permit only those within Navy Federal Credit Union 's " field of membership '' to become members. Therefore, joint owners are not automatically Navy Federal members, and they may not vote, obtain loans or hold office unless they are also members. A joint owner is entitled to purchase and withdraw shares with or without the member 's consent and, if designated joint owner " with right of survivorship, '' would be entitled to the share balance at the time of the members death. The joint owner may also request information regarding the account at any time and authorize the transfer of any funds in the share account. I was not provided with an attorney to read the POA but XXXX who said she was not an attorney or a paralegal. She denied my request and told me she was the supervisor. I would have to write to the Office of General Counsel. The POA is valid and gives me the authority to handle financials transactions broadly from banking to real estate and other issues. I am concerned an administrative person was handling legal matters and our access to due process was inhibited without having an attorney to even review the POA before making the denial to add my husband to my account. Additionally, my husband is incapacitated and can not sign any documents but if he was able to go into the credit union and sign the transaction would have been granted. Therefore, be cause he is XXXX a simple request was denied. | ||||||
| 10/27/2016 | Yes |
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Web | |
| I believe I am being overlooked for compensation from being a victim of what Navy Federal Credit Union has done to an extrememly large number of their account holders. The following situations have occured multiple times : 1. Getting any source of available money ( large chunkes ) from my checkings or savings account to put on my credit card balance regardless of paying more than the monthly minimum payment, and having a great history doing so. That is now making my credit drop since it is a negative look, looking as if I could n't make the payment so the bank did. They did this will no warning what so ever and without my consent. 2. Randomly freezing accounts with no warning and no reason as to why. 3. Returning checks when I had more money available than the amount due for bills, resulting in a {$30.00} fee from Navy Federal. Also, making a red flag on my record due to the fact of giving the illusion that I am incapable of paying my bills. 4. I was actually told by a representative they were going to be very helpful with any financial hardships, however they have completely made it worse for my family and I. 5. When NFCU has been at fault and confronted, they act as if they have no idea what im talking about or I get hung up on mid-conversation. I was XXXX XXXX from the XXXX XXXX XXXX and are going through very hards times financially. Things they have done, have negatively affected my credit score. I 'm not sure how I am going to be able to pay for my auto insurance bill due to the fact that 2 months ago I paid for 2 months. I was just told today that XXXX of the checks bounced back, when I had more available money in my account than the due payment. Today I also just found out the bill that got bounced back was the result of NFCU transferring money from my checkings account to my credit card balance ( example of situation no. 1 ) without my knowing or consent. Now the insurance company is billing us for double the amount of my usual due payment. Navy Federal Credit Union has put my family and I in such a deep hole that I am afraid of not being to get out of it. | ||||||
| 02/22/2021 | Yes |
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Web | |
| Navy Federal Credit Union has once again failed to comply with federal laws and demonstrated bad faith in the handling of my auto loan. For several years the credit union fraudulently diverted payments to other accounts owned by me therefore the auto loan account became extremely delinquent. The original balance of the loan taken out in XXXX was {$5500.00}. NFCU charged off my account for {$6000.00}. This account and one other in which a creditor failed to work with on a revised payment plan lead to me filing a Chapter XXXX Bankruptcy. After filing on XX/XX/XXXX, even towards the end of XX/XX/XXXX NFCU failed to update the status of this account to all credit bureaus as 'Included in Bankruptcy ' with a a XXXX balance as other creditors. They remained out of compliance as to the reporting of this account for the remainder of XXXX and even though I have been approved through the bankruptcy court for a {$1800.00} Reaffirmation Agreement ( balance ) on this account, NFCU still has failed to delete the {$6000.00} account identifying it as a Charge Off. I contacted the credit union early of and was told by a representative they have 'No Way ' of contacting any of the credit reporting representative for organization. After asking if this 'secret mission department ' was located on a distance island with not email or phone capability, I was only given the same response. I was also given the same response today ( XX/XX/XXXX ) when speaking to another representative. I also advised I would include NFCU as one of the creditor violators in an adversary proceeding as they failed to comply since XX/XX/XXXX after I filed the bankruptcy petition in XXXX of XXXX. Now that the reaffirmation has been approved and the new loan payment being set forXX/XX/, the correct credit report entry should be {$1800.00} Reaffirmation Auto Loan and all other entries deleted primarily due to NFCU 's fraudulent inflated balance of {$6000.00} prior to my bankruptcy petition. A previous complaint was entered in reference to the falsified inflated balance and diverting payments made to this auto loan. | ||||||
| 12/11/2023 | Yes |
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Web | |
| I am writing to file a formal complaint against Navy Federal Credit Union for their persistent and intrusive communication practices. The excessive calls have become overwhelming and have created a significant disruption in my daily life. I believe these actions XXXX be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations. Navy Federal Credit Union has been making incessant calls to my phone every day, often multiple times a day. Despite explaining my situation, the calls persist. I have spoken with representatives from Navy Federal Credit Union and explained that, due to my current financial situation, I am unable to make payments at this time. The continuous and frequent calls have become excessive, causing unnecessary stress and anxiety. I believe Navy Federal Credit Union 's actions XXXX violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant federal and state laws. The FDCPA prohibits debt XXXX from engaging in abusive practices, including excessive and harassing phone calls. I have taken the following steps to address this issue directly with Navy Federal Credit Union : I have spoken with representatives, explaining my financial situation and expressing my inability to make payments at this time. Despite these conversations, the persistent calls continue unabated. I urgently request the CFPB 's assistance in addressing this matter promptly. My desired resolution includes : Navy Federal Credit Union should immediately cease all communication with me, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and any other relevant federal or state laws. An acknowledgment from Navy Federal Credit Union of my current financial hardship and a commitment to work towards a reasonable solution. Implement measures to prevent Navy Federal Credit Union from engaging in similar harassment in the future, ensuring compliance with applicable laws and regulations. I believe these actions would constitute a fair resolution to this matter and bring it to a satisfactory conclusion. | ||||||
| 10/21/2020 | Yes |
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Web | Older American, Servicemember |
| I believe that NFCU is using an automated mortgage application process to steer customers into the loan type in which they make the most money in fees rather than for us to choose the loan type we want. We requested a VA StreamLine Refinance application but were steered into a Conventional Loan type at the end of the application process which took approximately one hour online. As a XXXX Veteran with a VA loan already in place on the property, I wanted to do the VA Streamline loan because it would save us time and money on the loan. Although we requested a VA Streamline Refinance Loan, the automated application process is set up so that it determines which loan type it presents to you. NOWHERE ON THE ONLINE LOAN APPLICATION DID IT ALLOW US TO PICK THE VA STREAMLINE LOAN REFINANCE. It did not give us the choice to choose the VA Loan at the beginning or end of the application process. When we called to make a complaint to NFCU, the Mortgage Loan Officer assigned to the Loan told us that she had to re-assign the loan to another officer and that we had to fill out a different application and go through the loan process again because the loan number was different. When we asked to speak to a Supervisor about the loan application, we were told that we would get a Conventional Loan Officer not a VA Loan Officer and it would be a day or two before the Conventional Loan Officer would call back. We asked why not the VA Loan Officer and we were told because it is a Conventional Loan. As further proof of what I call '' steering the consumer into the loan type NFCU decides for you '' is a call to us from XXXX XXXX, Resolution Officer with NFCU who confirmed to me that the system does automatically choose the loan type for you. My complaint is that the lack of transparency in the loan process upfront with it being programmed to choose for the consumer the loan type and no option to choose the VA Loan after spending an hour filling the form is a sneaky way of steering consumers into the type of loan in which they make the most fees. That appears to be a type of fraud. | ||||||
| 11/19/2022 | Yes |
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Web | |
| On XX/XX/XXXX, Navy Federal began depleting my personal checking account without authorization to cover a debit from my daughter 's account who is fully an XXXX and should have a college checking account. This is not a joint account. It was previously considered a XXXX account years ago but of XXXX she became an XXXX and it should've became a college checking account. As well as the {$5500.00} that her account is overdrafted is due to fraudulent charges that is being disputed with the bank. We have contacted them multiple times via over the phone and just recently in the bank yesterday to try to get this resolved. We have received a police report from XXXX Police department only because we were able to go in house but are trying to get XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX on the phone since they have literally took all the little money I had for my car insurance and food and gas money. I'm a single mother of XXXX and them taking money with my authorization for something I'm not responsible for is absurd. They have refused to rectify any of the situation and stop money being withdrawn from my account and refused to correct the type of account because of the investigation pending. I'm not sure why video surveillance can't be seen at all these various places especially at the branches and I was told by the bank representative that the fraudsters make a fake id with my daughter 's information so it seems that the bank would be able to match the ID pics of from when the account was opened, the one she legit uses in the bank versus the fraudsters as well as see that she wasn't in all these places on the same day ( XX/XX/XXXX told by the bank that deposits and withdrawals were made at the XXXX XXXX and XXXX XXXX ) when she was in XXXX XXXX XXXXXXXX XXXX Neither am I not understanding why the bank didn't flag and decline the charges and just now they have her account flagged and she can't view her online app. Dates are seen in the documents attached of charges and time stamps of her XXXX XXXX as well as proof of one of the police reports from XXXX. | ||||||
| 12/24/2021 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union ( NFCU ) has refused to report my mortgage payments to the 3 credit bureaus despite 2 phone calls to the loan Dept at NFCU and 3 disputes with the credit bureau. NFCU falsely reports that my mortgage loan was included in my XXXX bankruptcy ( XX/XX/XXXX ), but the loan was EXEMPT in my bankruptcy. They also report a XXXX balance on the loan and no payments being made, In addition, my credit report states the the account is CLOSED. I have made monthly payments on this loan every month since the account was opened in XXXX. The only explanation NFCU has given me is that I failed to enter into a reaffirmation agreement at the proper time. I explained I was unaware of the time limit, had no knowledge that this was necessary since I continued to make payments, and exempted this loan from my bankruptcy, XXXX XXXX (? ) was very rude in explaining that I should have had an attorney explain it to me. I filed bankruptcy in XXXX because I was in debt. A large part of that debt was to NFCU for a credit card. I was on a payment plan during XXXX, and allowed to make reduced payments. When the reduced payment plan ended, I requested that I be allowed to continue making reduced payments. They denied my request and my payments went back to the full amount. I fell behind on payments, once again, and made the difficult and embarrassing decision to file bankruptcy. One representative ( female ) told me that my mortgage payments were not being reported because of my credit card debt. I believe that is true. Since my bankruptcy, I have managed to raise my credit score to XXXX. I need my credit reports to accurately reflect my monthly mortgage payments so I can take advantage of lower interest rates. I recently purchased a vehicle and am paying a high interest rate. I was told if I had a history of mortgage payments, my rate would be lower. By refusing to report the payments I make every month, I am not able to refinance my home, or my vehicle. And my credit score will not get above where it is now. Your help in this matter is greatly appreciated. | ||||||
| 04/19/2019 | Yes |
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Web | |
| on XX/XX/2015, my mother, XXXX XXXX XXXX, passed away and I inherited her home. the house had a mortgage in place from navy federal credit union. For the 1st year I tried weekly and at times daily to communicate with them to assume the loan. I provided the death certificate, the will and the title which has my name on it. they refused to communicate with me, refused to allow me to pay on the loan and refused any information about the status of the account to me. it went into foreclosure ( the notice of acceleration was sent to an address that does not exist and i was never notified in any way ) Once i discovered this i moved cross country from XXXX state to XXXX to make the home my primary residence and to handle the situation in person. that was over 2 and a half years ago. they have still refused to allow me to assume. they are attempting to refuse my assumption based upon my credit score witch according to the cfpb and numerous other laws and organizations does not apply. they have made me jump through every hoop imaginable. they have added so many legal fees that the house is almost under water when it had over XXXX in equity originally. they have not responded to my many notices of error, their attorneys have made numerous false allegations and used a large number of varying aggressive, predatory tactics of which I have evidence. I took them to mediation and they didnt even have a representative from the bank show up and then they refused to comply with the arrangements made during the mediation and instead filed for a summary judgement. I have tried for 5 years now to simply assume the loan for the home which my mother 's ashes are buried on. My wife and I have held steady income the entire time and have stated time and time again that we just want to assume the loan and pay it. We are stuck, lost, and in daily fear of losing our home. Please help us. Please. I just want to protect the home my mother left to me. I feel like they intentionally denied me assumption and used predatory tactics to foreclose upon the home to profit from the equity. | ||||||
| 08/19/2023 | Yes |
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Web | |
| After currently reviewing my consumer report, its has come to my attention that the financial institution Navy Federal Credit Union failed to conform with applicable statutes such as the Truth and Lending Act, Gramm Leach Billy Act, Consumer Protection Act, and the Federal Reserve Act upon the consummation of this consumer credit transaction. Navy Federal has engaged in unfair and deceptive tactics. As a result of their inequitable conduct, I have made an uninformed decision extending credit to Navy Federal Credit Union because my consideration came with no benefit. Furthermore, in accordance with the Federal Reserve Act, Navy Federal Credit Union failed to disclose to me that my application was the secured collateral tendered as the payment for the full amount of the consumer credit transaction. Navy Federal Credit Union also failed to disclose that collateral offered would be in check form such as draft, or bill of exchange for acceptance, and to have drawing rights as the payee to receive, and to exchange as presentment, for payment to the principal balance on the account for my benefit. As a result of the lack of disclosures. All previous payments have been unduly paid out to Navy Federal Credit Union. I have sustained multiple damages due to the deceptive and negligent actions by Navy Federal Credit Union. Their failure of not fully informing me and providing pertinent disclosures regarding the use of my credit and withholding how I can exercise my right to privacy to protect my personal information, has affected my credit worthiness, credit capacity, character, and general reputation. These improper actions have resulted in unfair credit billing, credit reporting, and abusive collection practices. This notice is an attempt to exercise good faith that the bureau of the CFPB will enforce the violations associated with this transaction and to protect me from the illegal practices by this financial institution. These are direct violations of the Truth and Lending Act, Consumer Protection Act, the Federal Reserve Act and the Gramm Leach Bliley Act. | ||||||
| 01/17/2023 | Yes |
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Web | Servicemember |
| This is not the first complaint submitted. This is referring complaint number XXXX. Initial complain was submitted on XX/XX/XXXX : My father made me a check from his XXXX XXXX Account on the XXXX of XX/XX/XXXX and mailed it to me on XXXX XX/XX/XXXX. The check accidentally arrived at the wrong address. The individual that received the check forged my name and sponsored it to his bank account. After confirmation with XXXX that the mail was delivered, my father tried to cancel the check but alas the deposit had already been processed to the individual 's account at Navy Federal Credit Union. A formal fraud complain was submitted to XXXX XXXX the XXXX XX/XX/XXXX to try to recover the funds. We were told that it might take up to 120 days for a response. It's been over a year and still no response. All XXXX XXXX have been able to tell us is that there is no response from Navy Federal Credit Union and there is nothing else they can do but wait for the bank 's response. The final response from Navy Federal Credit Union to me was on XX/XX/XXXX : Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. We have reviewed our members concerns. Our records show that on XXXX XX/XX/XXXX, a check in the amount of {$80000.00} was deposited to a XXXX XXXX account. On XXXX XX/XX/XXXX, the funds in question were returned to the originating financial institution. XXXX XXXX XXXX will need to contact the issuer of the check for any further inquiries on this matter. If Petty XXXX XXXX has any further questions, he may contact XXXX XXXX, Vice President, XXXX XXXX, at XXXX, between the hours of XXXX a.m. and XXXX p.m., Eastern time, weekdays. But the above response was faulty. My father checked his account and the amount was never submitted during that time frame. Also the gentleman by the name of XXXX XXXX that I was to contact have never answered any of my calls or returned any of my voicemail messages. | ||||||
| 08/17/2020 | Yes |
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Web | |
| We started the process of attempting to refinance our home back towards the end of XXXX may be the beginning of XXXX. We have been in communication with Navy Federal Credit Union about our refinance throughout the whole entire process, I have called in numerous occasions we had a loan processor by the name of XXXX XXXX who was working on our file at the very beginning, for over 4 months we never heard anything from Navy Federal Credit Union. We have had friends go through the process of getting their home to refinance since mortgage rates have dropped and closed within 2 months. However, our file is still in process. I have sent numerous emails to XXXX XXXX and made numerous phone calls into the company to get a status update. Then what is worst is that I would get a dialer systems customer rep to call me to tell me that our loan is still in process. But why in the world is this taking soooo long to process? Obviously, interest rates are down and we understand that the company may be busy with the processing but all documents have been submitted and to get emails from this representative asking and requesting for duplicate information and then to have our credit pulled numerous times just to qualify seems to be unreasonable. Even when I call in to speak with a supervisor in processing NO ONE is able to take my call, nor is anyone available. My file has now been transferred to another representative who had to re-pull credit and now is not able to be reached so that we can try to continue this process. We have been at this process for over 5 months and this is not acceptable. The new representative has now quoted us a much higher interest rate ( when interest rates are steadily on the decline ). The interest rate we were approved for was at 3.625 % now we are being quoted much higher than this. We are still waiting on Navy Federal to contact us so that we can take advantage of the lower rates, but no one is able to answer questions about the process and tell me why the rates are going up when all over the news and the internet I see rates going down. | ||||||
| 11/16/2019 | Yes |
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Web | Older American |
| On XX/XX/2019, I was double billed by Navy Federal Credit Union ( NFCY ) for a car I rented in XXXX XXXX, Iowa. I reported the matter in upon receipt of the credit card bill per the Fair Credit Billing Act ( FCBA ), and again in XXXX. Please see Pages 1 - 11 of the attachment. NFCU acknowledged the dispute on XXXX XX/XX/2019. Please see Page 13 of the attachment. During XXXX and XXXX, I responded to NFCU 's questions. A record on these interactions is provided as Pages 13 - 18 through 33 - 51 of the attachment. On XX/XX/2019, NFCU advised that they were refusing to reverse the duplicate charge, noting, " As of the date of this letter, we have not received any correspondence from you. Therefore, we have concluded or investigation and determined that no billing error occurred. '' Please see page 52 of the attachment. Today, XX/XX/2019, I called NFCU and requested to speak to an ombudsman or someone higher up the chain authorized to discuss disputes. I was instead forwarded to the same Credit Card Chargeback and Resolution Section that had previously denied my claim. The agent, who gave her name only as XXXX but refused to provide a last name, first denied that NFCU had ever received any correspondence from me. When I noted that I have Express Mail Receipts signed by XXXX XXXX and marked " agent '' ( please see Pages 13 and 33 ), XXXX changed her position and admitted NFCU had in fact received my responses. She then said that the time NFCU is prepared to spend on this has expired, and the credit union refuses to reverse the charges. When I again asked to speak to a credit union ombudsman or similar official for higher level appeals, XXXX announced that there was no such position and the matter was closed. I ask that your office review the attachment in accordance with relevant Federal laws, and advise whether or not NFCU acted correctly. If not, I ask what options I have under the law going forward to reverse this double billing and the interest NFCU is charging for it. Thank you for your attention to this matter. Sincerely, XXXX XXXX | ||||||
| 09/21/2017 | Yes |
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Web | Servicemember |
| I went to the finance company on base and they told me I would have to pay the full amount right then or risk having my company commander finding all about this problem. They stated it was protocole to report to my Co. and let them know about my delinquency. They started to make calls to my HQ and informed my Co. about the balance on my dept, and it was now a default status and there was nothing I could do about it. I would have to pay the full balance today, or they would have no choice but to notify my Co about this, they would restrict my account to me, they would also need the vehicle returned to them right away and I would not be able to get it back. I would have very bad credit as a result of this problem, and it would take years to repair it. They wanted the money right away. I just did n't have the money amount they were requesting, almost {$6800.00}. They came to get the car picked up, and told me to start looking at my credit report, as the negative information should be showing up pretty soon. I was so very embarrassed they contacted my company commander, and those around me on base regarding my credit issues. I felt as if I could do nothing at all, helpless to help my situation at that point. As a result of this problem, I could not get further credit anywhere, and my credit rating actually went down because of this also. We would like the additional money to deal with this problem, and to address the loss interest we would have incurred as a result of my partial payment made that I lost due to it not being returned. I have paid credit agencies money to try to clean up my credit rating, but it still shows negative from the Navy Credit union, it seems like my money is not doing anything so far, just wasting away. I am asking for help to help restore my credit rating as a result of my NCU account showing negative. I just want it back to where it was prior to this loan. Nothing more. I will now have to have a credit monitoring system in place, as the government seems ca n't do it either. I just want the right thing done here. Thank you. XXXX | ||||||
| 01/02/2023 | Yes |
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| I received a copy of my consumer report from XXXX XXXX XXXX which contained me personal information from Navy Federal Credit Union ( NFCU ). The accounts I hold with NFCU are personal checking and savings accounts. The terms and conditions for Navy Federal Credit Union explicitly state on pages 16 & 17 that NFCU DOES NOT share personal information with nonaffiliates. XXXX XXXX XXXX is a nonaffiliate. NFCU and XXXX XXXX XXXX intentionally violated my federally protected rights and my rights as a resident of California by sharing and disclosing my personal information without my written consent or seeking to obtain my written consent. Specifically, NFCU and XXXX XXXX XXXX violated 16 CFR 313.1 which states in part that it is the policy pf Congress that they must protect the security of my nonpublic information. They also violated 15 USC 1681b which states that my personal information can only be furnished without the written consent of the consumer which is me. They also violated 15 USC 6802 which provides the specific steps that NFCU ad XXXX XXXX XXXX should have taken with respect to their obligations to protect my personal information. They also violated the Privacy Act of 1974. They also violated 17 CFR 248.6 and 17 CFR 248.7. These violations are subject to monetary compensation paid to me immediately under 15 USC 1681n and 15 USC 1681o. It is also afforded to me under the laws of the state of California, specifically UDAAP, and The California Financial Information Privacy Act ( FIPA ), Financial Code 4050-4060 which limit the sharing of personal information off consumers by banks to 3rd parties and nonaffiliates which XXXX XXXX Services is a nonaffiliate. Other laws provided by the SEC, FTC, DFPI, CCPA, and the state and federal offices of the Comptrollers are charged with enforcement and oversight of these violations. As such, California state law allows for monetary damages for each violation. As precedent, as of on or about XX/XX/XXXX, XXXX XXXX XXXX just entered into a settlement for numerous violations of consumer laws for {$3.00} XXXX. | ||||||
| 12/09/2018 | Yes |
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Web | |
| On XX/XX/2018 my checking account was fraudulently used. I did not know until my mother tried to use her card and found that the account had a freeze on it. My mother 's account was affected also because we shared accounts. We went into our local Navy Federal Credit Union to find out why and was told that no one can discuss anything about the account and that it was under investigation and was given a print out of my transactions. The print out showed how someone deposited over {$5000.00} into my account from another person 's account and then withdrawn at XXXX supermarket by way of money orders. The bank rep gave use a business card with a phone number and a name ( XXXX ) and said to call the security dept. only they will speak to you. This led to the worst experience ever. The person I spoke with would not give me any information and did not really know who XXXX was. I called, my mother called multiple times. The only thing they said is that security does not speak directly to anyone and that this investigation would take 15 days. I continued to call for the next 3 days trying to communicate with the bank. I told them that I'm a XXXX XXXX XXXX and that my payroll check will be deposited into that account in a couple days and I needed that money for school. Again no one would speak to me. On XX/XX/2018 I tried to log on to my account and I could finally get into it and there it was over {$4500.00} in the NEGATIVE and they had applied my pay check to the negative. I called the bank and someone told me that the investigation was done and that I'm at fault. Every dime I worked for GONE! plus I owe them over {$4500.00} according to them. This is wrong. I had nothing to do with what happened. They never called to speak to me, they never interviewed me or mom ( whose account was also frozen ) they came up with a decision in 72 hours! Who did they talk too? wheres the video of the people purchasing the money orders? This could be an inside job. I don't deserve this. I'm only XXXX years old, I work and in college. I want my money BACK and account cleared. | ||||||
| 09/26/2016 | Yes |
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| Navy Federal Credit Union had what they called a XXXX program ; they give you {$50.00} to start a savings acct if you are sponsored by a present member and an additional {$50.00} dollars for every one you sponsor up {$250.00}. My daughter was sponsored by a member that is a veteran ; my daughter in turn sponsored me because the rule was you could sponsor immediate family members ( verified this several times thru NFC customer service dept ). My acct was created successfully. I was able to login online and see the acct and change my password successfully. I then went on to try and sponsor other family members ; but when I tried to sponsor a family member to go thru the sponsorship process they were blocked and told by reps of NFC that my acct was not verified. I went back online and was not allowed to login to my acct.. I called Navy federal and ask why I could no longer login and after much questioning and asking for an supervisor I was told that the reason my acct was now not verified is because my daughters acct had not been verified. I contacted my daughter about it and when she contacted them she was told that her sponsors acct ( the veteran member ) had been flagged because another person the original sponsor of my daughter sponsored was a XXXX male and he sounded like a woman over the phone so they flagged him and every one associated with his sponsor. That just does n't seem right to me that you flag a person acct because they sound like a woman. I 've had numerous occasions over the phone that a woman sounds like a man and vise versa. But because of the way someones voice sounds you make a judgement call and not only flag their acct but everyone 's acct that maybe remotely connected to it ; especially after my acct was already setup. It just seems to be yet another fraudulent practice by a financial organization that I want to put out in the open and find out is this is a legitimate procedure to give a person an acct then disable it because of something like this. That 's my complaint. Just want to know if this is illegal or a fair practice. | ||||||
| 08/18/2021 | Yes |
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| Thank you for taking the time to help out with this matter. I have been a NAVY FEDERAL CREDIT UNION member for more than 5 years and It saddens me that I may need to close this account due to my human rights and as a consumer, infringed on. I have asked NAVY FEDERAL to provide me with my ORIGINAL negotiable instrument, yet I was sent copies. I have sent a NAVY FEDERAL number certified letter, with return green slips. All have come back ; still no response. The goal was to find, verify and validate my current agreement, making sure I am paying for something that is not a tax or interest incurred, or my contract being sold days after my purchase. My negotiable instrument has been destroyed confirming with a NAVY FEDERAL representative phone call in XX/XX/XXXX. I have waited longer than three months for a response. While I wait, I still am faced with damages considering fraudulent reporting to creditors, stopping any transaction that needs my credit report. NAVY FEDERAL continue willingly ignore me, FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220, to not update inaccurate information on my act and to third party credit bureau 's, failed to respond to ALL of my letters, FCRA Section 611 Part ( A ) ( 1 ), and continue to misrepresent themselves and power. FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. Under 15 USC 1692A, B, C, D, E, F, G, AND, J were broken. All in all, as a consumer my rights are still being infringed upon, my financial standing has taken a toll for now the worst due to this negligence.NAVY FEDERAL continues to claim they are the true lien holder, I have claims and evidence that I have no liens against my name. The solution I am demanding is back pay of lost finances, taxes, and interest incurred on my name from trades on my name, total closing of my account as well as my vehicle loan. on said account or totaling my loan out to XXXX $ as well as refund of all taxes, interest, incurred from trading on my name, IMMEDIATELY. I thank you for your time. XXXX | ||||||
| 09/13/2023 | Yes |
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| Someone user my XXXX acct to send ( wire transfer ) funds to someone else in the amount of {$800.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX Soon as I noticed it I immediately contacted XXXX hoping they could stop the transfer from processing and i contacted Navy Federal to place a STOP on the transactions seeing how it hadn't gone through yet. On my end everything read ( pending ) ONLY. XXXX quickly said there wasn't anything they could do and to notify by bank institute. So therefore I called Navy Federal. Navy Federal told they couldn't do anything til after the payments posted ( smh ). So after the weekend was over, of course the payments posted. I immediately called Navy Federal that following Monday and was told it was nothing they could do. Once a XXXX payment goes through its considered to be out of their hands, again ( smh ). They said they consider XXXX to be like a face to face transaction. I don't know why they consider it to be that when in fact that's not what it is. Using XXXX should be called exactly what it is, A wire money transfer. Not a face to face. Ppl can hack your accts, your phones, your computers, freeze and take all your assets and you mean to tell me that the very ppl we're suppose to trust to protect our money just allow it to happen?! THATS RIDICULOUS!!! I didn't authorize anyone to take {$800.00} and XXXX it to anyone. I've even used the person XXXX phone number to reach out & contact them. I have proof of our messages going back and fourth with me asking for my money back. Whomever received it of course wouldn't give it back and kept thanking me for blessing them, again ( smh ). Now my acct is overdrawn by {$800.00}, Navy Federal is constantly calling me to see when I'll be settling my debt and informing me that I have until XX/XX/2023 to pay the balanced owed. I will not be paying anything. I refuse to be out of {$1600.00}. THESE BANKS SHOULD BE ASHAMED OF THEIRSELVES. Why work with a company or represent a company that allows your clients money to be stolen or scanned and not haveva plan in place?! That's crazy to me. | ||||||
| 08/31/2015 | Yes |
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| I got employed by the company in XXXX 2015. I was give a user name & password where I could communicate with my manager as well as receive my new tasks. I got my first assignment in XX/XX/XXXX which I was told that there will be a deposit of {$5000.00} in my account and that check with the bank to make sure that the funds is available then report to my manager for instruction. I was told to withdraw the funds & XXXX ; to send it to XXXX clients in XXXX by using XXXX XXXX XXXX XXXX ; then to scan the receipt & loaded in the systemand also call XXXX to make sure that the funds were available to be picked up. I received XXXX more transfers after that which was instructed to do the same but different clients. Two days later my bank statement was showing negative so I contacted the bank & was told that Navy FCU is asking for the money back so I contacted my manager via email & assured me that the issue will be resolved & amp ; that she is working with the financedept & XXXX ; client in order to take of this matter. I emailed her few time a day for the next couple of days since issue with the transfer was not fixed so the third days I was unable tolog in in order to communicate with her since they deactivated my log in & password. I have emailed their HR person as well as the risk management dept chief, head of the investment dept & public relation chief and no one has responded back to me. I have alsocalled my contact that is suppose to be in NC XXXX XXXX for assistance & he has not returned any of my phone calls. According to Navy FCU the money was transfer to my account & they have a record of it but could not give me any other information since I am not a client of the ban & XXXX ; my bank has done anything to help me but asking for me to deposit the money that I do not have back i the account. My back never notified me of these transaction instead they suspended my on line profile & that is reason I found out about his issue. According to the web site this company has locations in XXXX, XXXX, XXXX & XXXX. Total of money owes is {$14000.00} | ||||||
| 09/16/2023 | Yes |
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| In the year 2020, I deposited and opened up a bank account with Navy Federal Credit Union on XXXX XXXX in XXXX XXXX, CA XXXX. After only a few months, I reviewed my own documentation of banking accounts noticed that there was transfers and releases that were made to and from the checking savings and market account. They all of a sudden denied all communication and froze all the access with my accounts and money. They did not allow me to access anything with my accounts or communications. They put a bank check aside for me for {$110000.00} after closing and holding the rest of my money. There was an additional {$120000.00} that was still on my account and its proven that there is a check released but I never received the check. Im tired of going through this and I need someones assistance. All I need to know is who that check went to. When I went into the branch the manager was there, one of them and the day after that when I went to check again, she quit on the spot and as far as I know left outside of the US. The other XXXX XXXX XXXX, I was informed to switch to branches, so they froze my account and they put all this money extra money into the investment account. Theres a substantial amount of withdrawals, transfers, and proceedings with my money that I did not allow authorize and I have proof of this. Ive been working on it for years and I cant get no assistance. Ive been illegally frauded by the individuals of this bank And if they are not cited, the bank should be held responsible. There is proof that I got the {$110000.00} but theres still a {$120000.00} that needs to be found because I did not authorize that. Why would I give these individuals that much money of mine when I dont even know them, and they criminalizing me and victimize me in my life That still needs urgent notice and prompt awareness and proceedings illegally fraudulently Ive been scammed XXXX XXXX, taking vulnerability from me and theres so much at stake here and I still cant I get help. I keep submitting these references to you guys because its going nowhere please help | ||||||
| 08/17/2022 | Yes |
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| On XX/XX/22 I went into my credit union Navy Federal & was told deposit will be available on XX/XX/22 funds sat in my account until XX/XX/22 Ive contacted Navy Federal this is bank negligence, bank competence, discrimination against me because Im XXXX money held in my account been high amounts since Ive joined XX/XX/22 with them. Thus is a legit valid US Treasury Check. Bank gave me a number to call on a letter by mail dated XX/XX/22 & on XXXX of my complaints y'all closed out without verifying this matter. Its caused me to be unable to pay my bills & receive my funds from my Business Taxes for the 2021 year. Ive submitted proof of providing documents on the check. US Treasury can verify check cleared and states paid in their system on XX/XX/22. Navy Federal gave this number on a complaint I filed with yall on XX/XX/22 XXXX, it is not a valid number. Thus needs high level investigation I need my funds out my personal account ending in XXXX, & business account bank has yet to reviewed my money which I deposit way from XX/XX/22. Totaling XXXX in account ending in XXXX. US Treasury trued to contact bank at all numbers given none work to give me a number not working shows yall their the ones lying and trying to steal. I have meeting with a news reporter and will let them see these facts. US Treasury XXXX XXXX ( XXXX ) XXXX behind IRS Business Refund with guaranteed funds of XXXX valid checks. I busted IRS XXXX XXXXXXXX on XX/XX/22 I will upload documents on XX/XX/22 XXXX XXXX restricted me access from my funds out my personal account. I need my money immediately this matter has dragged on far too long. Next level is a lawyer as Ive written White House congressman is sending in a complaint with supporting docs XXXX XXXXXXXX on my behalf as they too know its my check and its from the IRS XXXX XXXX business taxes at ( XXXX ) XXXX or ( XXXX ) XXXX. I have XXXX children this matter no bank has any right to without customer funds ever especially not a month today is XX/XX/22 thus occurred on XX/XX/22. Thus bank is not following their NCUA regulations | ||||||
| 01/19/2017 | Yes |
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| To whom it may concern ; I recently sent a complaint via the CFPB against Navy Federal Credit Union, Case # ( Case number : XXXX ). I received a phone call from a representative from NFCU, XXXX XXXX on Tuesday, XX/XX/2017 @ XXXX. He left a voicemail to which I immediately called him back and we subsequently spoke for 35 minutes concerning my issues with his institution. He stated that he would either be calling me back later that afternoon or at the very latest the following morning, Wednesday XX/XX/XXXX to discuss his findings and the next steps accordingly. At this juncture, I have yet to hear back from him or anyone else re [ resenting this institution. I am extremely concerned that this account is now 54 days past due and I am in desperate need to try and resolve this before the 60 day mark. This means that I now only have 5 more days to rectify this situation or else NFCU will report a 60 day late to the ( XXXX ) credit bureaus ; XXXX, XXXX and XXXX. As noted in my previous claim and the conversation I had with XXXX XXXX, NFCU has already reported a 30 day and I fear extreme penalties with not only NFCU but additionally my other creditors accordingly. This is simply yet another example of how not one single person re [ resenting NFCU has carried out what they stated they would do. All the while, me the customer is paying for it via XXXX, financially and soon to be ever more so credit worthiness. I feel that this is unacceptable and simply do n't understand why no one seems to care enough. I would have thought that at the very least if the only motivational factor for the bank would be for them to get paid for the outstanding debts I have accumulated, they would at least rectify these concerns. I would appreciate someone calling me back today regarding both of the cases so that me and my family along with NFCU can hope to take the next steps so that we can all go back to some form of normalcy defined as no delinquent payments and 100 % visibility within my accounts. I can be reached absolutely any time @ XXXX. Regards, XXXX XXXX XXXX | ||||||
| 10/28/2022 | Yes |
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| I am simply asking you who gave you permission to report on my credit profile. Also, who gave you permission to furnish a debt without me knowing to a credit reporting agency? A credit reporting agency is a third party they do not work for you. You can simply remove the account from my credit report for you are violating my rights to privacy according to the Gramm Leech Bliley Act. Also, since you did furnish this account without my consent and reported on it every month without me knowing that is identity theft which is a felony. According to the law, it states in 18 USC 1028A ( Aggravated Identity Theft ) that whoever knowingly possess, transfer, or uses another person 's identification without their knowledge shall be sentenced to a term of imprisonment of 2 years. I am pretty sure you do not want a huge lawsuit on your hand for furnishing this debt without the two most known forms that all companies must have for a consumer to consent to XXXX or XXXX form Authorization to Disclose Information. Those are the only two forms that must be sent to me to even furnish this debt with my permission. You never offered those forms to me. Also, since you are still reporting the information without me knowing you are literally damaging my consumer report without me knowing. My consumer report took a hit because you do not care, and this caused me to miss the job that I initially had high hopes for. You are in violation of 15 USC 1692c ( b ) Which states that without prior consent to a consumer, you can not report to a consumer reporting agency. You have been doing that all along which is a felony, and that also results in identity theft. I did not give you consent, and you are still doing what you want. I demand you to remove this account from my consumer report immediately and if not then pursuant to 15 USC 1681n ( Civil liability for Willful non-compliance ) you will pay me { {$1000.00} } per damages to my consumer profile and { {$1000.00} } per violation. So, tell me who gave you the consent to report on my consumer report because it wasn't me? | ||||||
| 09/01/2022 | Yes |
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Web | Servicemember |
| Navy Federal credit union rerouted my military XXXX direct deposit from my XXXX XXXX checking account ( which was closed well before the deposit showed as pending ) to a savings account without my consent, without my permission and without any type of notification whatsoever. I have called a dozen times only to wait on hold for 2+ hours and be told that there is no further escalation available to solve my issue or answer my questions. I am on vacation 1-1/2 hours away from the nearest NFCU branch and earlier requested a wire transfer of MY MONEY to be sent from NFCU to my new account at XXXX XXXX XXXX XXXX but again after waiting on hold i was told my the security expert named XXXX THAT and im quoting here " No sir we do not have the capability to write transfer your funds, ''. IT XXXXS ONE IF THE OPTIONS ON THE automated menu when you first call how the XXXX are you going to tell me you don't have the ability it 's complete XXXX. and THEN the branch would have to call and wait on hold for XXXX hours to reach someone to release my funds. If i find out that them rerouting my funds without my consent is illegal in ANY WAY i will be suing the ever-loving XXXX out of them. I want to know WHO authorized the change in my direct deposit! I've been told " It 's an automatic system that does it, '' I've been told " We don't know who changed your information, '' I've been hung up on and I've waited on hold for a total of 6 hours between yesterday and today alone!!! I was promised yesterday by nfcu 's laughable excuse for a security department that they would notate my account allowing the teller to give me my funds IF i agree to pay some {$230.00} XXXX charge off that they've created. They're holding my protected funds hostage and it 's ILLEGAL!!!! In the past few months i have had my retirement money literally held at bay only allowing me to withdraw the money if i agree to pay them what they want first. I'm contacting my local news station i swear to God i want my money now! I have nothing and those crooks won't hand over MY retirement check!! | ||||||
| 04/16/2020 | Yes |
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Web | Servicemember |
| On my closing day XX/XX/2019 my loan officer lied throughout the day via phone & email to myself, my realtor, & seller ( builder ) about my rights to change my rate. I believe the initial closing disclosure was fixed to sway me to make a decision my loan officer knew I would make. After making the decision the loan officer knew I would make, the final disclosure came back totally differently & I inquired on switching back my rate within the acceptable parameters. My loan officer stated the rule I pointed out to him no longer applies because of fluctuating market. He almost cost me $ XXXX dollars at closing. My loan officer also tried to scare me in pushing back my closing date & couldve cost me {$600.00} & three extra days to wait. I caught my loan officer lying to the seller explaining that I was outside the acceptable rate change parameters, which was lie. I have to believe my loan officer lied throughout my loan process as I asked about a XXXX ARM that is broadcasted on the company website and he told me they no longer do that loan. That ARM is still on their site & the rates were much better. I feel my loan officer set me up to get the most financial gain with lies. 30 mins before I was suppose to close on XX/XX/XXXX, my loan officer stop picking up the phone & couldnt be found. I had to have an agent get ahold of his supervisor who understood what I was trying to do & got it done within an hour. I had to push my closing back a few hours & luckily the law firm had an opening. It cost a lot of hardship on a day that is suppose to be happy. Weeks after closing, I receive an email from that Loan Officer congratulating me, couldnt believe it. I left a bad survey with company & requested to be contacted but no one has reached out to me. Leads me to believe that it is acceptable in this company. I really feel I couldve potentially had a better loan product & closing day if my loan officer didnt lie. There is no telling how much this has cost me financially, the prices I put are just what I know about. Along with the stress on closing day. | ||||||
| 05/16/2023 | Yes |
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| As of XX/XX/XXXX, I contacted Navy Federal Credit Union, regarding the maturity date of the loan. I was advised the last payment was on the month of XXXX of XXXX. I started payment on this used car auto loan as of XX/XX/XXXX, the loan term was 72 months, due to financial difficulties including during the covid lockdowns I had no choice but to request a deferral, I was advised those payments will be added to the end of the loan, therefore they extended the loan from 72 to 82 months, which documents of the deferral were not available to me during that period. When I contacted the bank on the above date mentioned, I asked if the last payment is on XXXX why do I have a balance left of XXXX, they said thats from the deferred payments owed including interest. This is extremely confusing to me since the bank is trying to get me to pay by XXXX that lump sum or refinance and pay XXXX $ for 24 additional months that would be a total of 8 years and 10 months which is longer than 82 months. Since XXXX I have requested documentation regarding the deferral, such as when I requested the deferral, when I started payment and when does payment of deferrals end. I was told XXXX times by XXXX different agents including a supervisor the documentation has been mail and I will receive it in 7-10 business days. I contacted the bank today XX/XX/XXXX because XXXX yet to receive the documents. I spoke to a supervisor and she sent them in my banking mail center today since I havent received them by mail. Im still questioning why they extended the loan for 82 months only to add additional months. I was also explain I was being charged everyday interest for those deferred payments. I understood during Covid shutdown getting a deferral would help but instead is hurting me because I have one income and thats XXXX. I shouldnt owe nothing else after 82 months. I need guidance I believe NFCU is taking advantage of me. Also because agents didnt have a way of explaining for my purpose I recorded the conversation. I attached what I received today from my online banking. | ||||||
| 06/07/2023 | Yes |
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| I had an unauthorized hotel charge a month in advance of the stay in the amount of {$1000.00} which placed my Navy Federal account into the negative, the hotel has cancelled the reservation and release the funds on there in but NFCU will not make my account positive until XX/XX/XXXX or XXXX per XXXX a supervisor today ; which has placed me in a financial hardship while traveling out of town. I applied for over draft protection for a second account before XXXX XXXX and a debit card associated with the account the rep assured me she was moving forward with placing overdraft on this secondary account effective after the holiday I received the debit card but find out today the overdraft protection was never set up on this second checking account, this could have eased my financial burden due to the unauthorized {$1000.00} charge and the primary accounts negative status, but to no avail. Audible has apprised me they have sent back additional monies to my Navy Federal account which NF indicates it is still not showing which amounts to over {$200.00}. I have an accident claim which has paid and will post {$350.00} to my account this money could give me relief but it will fall into the negative account NF has been unwilling to resolve in a timely manner. In as much as I have submitted documentation to Navy Federal Credit Union showing the XXXX XXXX was cancelled and spoken with a supervisor NFCU refused to take additional mske my account positive my deposit of {$350.00} came into my account which would have assisted me while out of town but now my money is gone devoured by the black hole of a negative unauthorized account that NFCU refuses to resolve. I never removed the oops off of my second checking account in XXXX the supervisor today did not try to help me submit the application for it again although her colleague failed to do so last month ; she stated I could not apply because my account was in the negative well ego has it this way? Navy Federal its double jeopardy. I have been with them since XXXX and are very disappointed. | ||||||
| 12/29/2022 | Yes |
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Web | Servicemember |
| WITH REGARD TO ANY DISCLOSURES OF ANY ALLEGED DEBT OBLIGATION BETWEEN ANY FINANCIAL INSTITUTION, CLEAR AND CONSPICUOUS DISCLOSURE AT THE TIME OF ESTABLISHING CUSTOMER RELATIONSHIP MUST BE PROVIDED. I HAVE NOT ESTABLISHED/CONSENTED TO OR WAS PROVIDED CONSENT OF SUCH DISCLOSURE NOR WAS PROVIDED ANY NOTICE THAT COMPLIES WITH SECTION 6803 OF TITLE 15 WHICH OPTS OUT ANY DISCLOSURE OF ANY NONPUBLIC PERSONAL INFORMATION AS DEFINED BY 15 USC 6809 ( 4 ) TO ANY NONAFFILIATED THIRD PARTY. XXXX HAVE AN OBLIGATION WITH RESPECT TO THE DISCLOSURE OF PERSONAL INFORMATION. PER The Gramm-Leach-Bliley Act I HAVE THE RIGHT TO THE NONDISCLOSURE OF NONPUBLIC PERSONAL INFORMATION. THIS AGENCY IS ACTING AS A NONAFFILIATED THIRD PARTY ON BEHALF OF FINANCIAL INSTITUTIONS AND HAS ACQUIRED NONPUBLIC PERSONAL INFORMATION WHICH I HAVE IDENTIFIED AS FRAUD AND THE FCRA VERIFIED THE INFORMATION AS ACCURATE. SUCH ACTIONS ARE UNLAWFUL. I HAVE NOT AND DO NOT CONSENT VERBALLY OR WRITTEN TO SUCH FURNISHING OF INFORMATION TO MY CONSUMER CREDIT REPORT. I WISH TO OPT OUT OF ANY NEGATIVE, FRAUDULENT AND DEROGATORY INFORMATION FURNISHED ON MY CONSUMER CREDIT REPORT AND DEMAND THE CRA DO AS REQUESTED TO ENSURE MY REPORT IS FAIR, ACCURATE IN MY EQUITABLE INTEREST AND WITH REGARD TO MY CONFIDENTIALITY. I DEMAND TO OPERATE/EXERCISE THE NONDISCLOSURE OPTION OF THIS ACCOUNT WITH RESPECT TO MY RIGHTS. ANY TRANSACTION/AGREEMENT DONE IN PRIVATE BETWEEN ANY FINANCIAL INSTITUTION PERTAINING TO ANY DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION WHICH IS SOLD TO ANY NONAFFILIATED THIRD PARTY AND USING SAID INFORMATION WITHOUT CONSENT IS FRAUD. NO CONSENT FOR SUCH ACTIONS WERE EVER GIVEN EXPLICITLY WRITTEN OR VERBAL. I HAVE DISPUTED AND DEMAND SAID INFORMATION BE REMOVED/OPT OUT OF FURNISHING SAID DATA. ANY CONTINUED REPORTING OR FURNISHING OF THIS ACCOUNT IS WITHOUT MY PERMISSION/CONSENT/AUTHORITY AND CONSTITUTES IDENTITY THEFT. I DEMAND THIS INFORMATION BE BLOCKED AND DELETED FROM MY CONSUMER CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH 15 USC 1681 C-2 TO AVOID FURTHER DAMAGES TO ME. | ||||||
| 10/14/2021 | Yes |
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| I currently have XXXX XXXX XXXX XXXX account ( XXXX ) with Navy Federal with a limit of {$1000.00} I requested a credit limit increase and was denied. Stating Youve reached Navy Federals Maximum unsecured credit limit. What is the definition of unsecured credit limit? Federal Law does not define unsecured credit limit. When I entered into this consumer credit transaction I extended credit to Navy Federal. When Navy federal pulled my consumer report that inquiry was a receipt showing that the consumer credit transaction in fact took place however I did not benefit from it. With Navy Federal denying my credit limit increase this is a direct violation of 15 U.S. Code 1691 ( a ) ( 3 ) as It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised ANY right under this chapter. I have in good faith extended credit by a consumer credit transaction using my social security number which is by law under 15 U.S. Code 1602 ( I ) is a credit card to Navy Federal who has denied me access to my open end consumer credit plan. Pursuant to 15 U.S. Code 1635 ( a ) Navy Federal also failed to clearly and conspicuously disclose my right of recession. NAVY FEDERAL failed to provide the appropriate forms to exercise my right to rescind this consumer credit transaction. NAVY FEDERAL is BOTH civilly liable and Criminally liable. Pursuant to 15 U.S. Code 1611 ( 1 ) Navy Federal failed to provide my right to rescind this transaction which is required shall be both fined {$5000.00} and imprisoned not more than one year. Since Navy Federal is in direct violation of the Truth In Lending Act and the Equal Credit Opportunity Act they are civilly liable pursuant to 15 U.S. Code 1691e ( a ) for actual damages and pursuant to 15 U.S. Code 1691e ( b ) any creditor who fails to comply with any requirement imposed under the Equal Credit Opportunity Act shall be liable to the aggrieved applicant for punitive damages in an amount of {$10000.00}. | ||||||
| 05/12/2018 | Yes |
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| I have disputed on multiple occasions with the CRA 's and directly to the creditor, XXXX XXXX. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The CRA 's keep concluding my disputes as validated accounts, and they do not correct or delete the inaccurate the information. I requested the CRA 's to reinvestigate the wrong past due amounts, and wrong balances that's reporting on my credit reports. How can a credit card company report a credit card with only a {$3000.00} limit, with having a past due balance of $ {$770.00}. That's impossible. I requested proof that I owed this balance and I have NEVER received any proof that I owe this outrageous balance. The 3 credit bureaus are also reporting conflicting, information. I mean don't the credit bureaus all contact the same creditor and aren't the creditors suppose to provide the same, accurate information to ALL the CRA 's? So if they are actually verifying the information that the creditors are providing them, then my credit reports should all look the same, but they DON't! Because the CRA 's and creditor, Capital One are reporting wrong information, I'm at a 200 % revolving credit balance which is severely impacting my credit score negatively. I have requested on many occasions for the CRA 's to conduct reasonable investigations regarding the information on my credit report, but they have failed to do so. In a re-investigation of the accuracy of credit reports [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. I have included copies of the credit reports, the different reported information that's been inaccurate for many years. I have alerted to the accusation that the accounts were inaccurate, and then confronted with the credit grantors ' reiteration of the inaccurate information. However, XXXX, XXXX, and XXXX continue to rely on the inaccuracy of the creditor and did not re-investigate or verify that the information provided by the creditor was in fact complete, accurate and true. | ||||||
| 07/21/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I went on the Navy Federal Credit Union Mobile app to start a re-finance loan. Midway through the process, I changed my mind and did not want to continue with the process. On the screen, I was provided the option to save the information and exit the process and I was provided a message that I can resume the application by going to navyfederal.org or by calling XXXX. It said after 5 days, a decision will be made. I called this number 2 days after and spoke to someone to make sure that this loan does not continue or is processed because I did not want the loan, nor did I want to have another inquiry on my credit. The message on the screen made it seem as if the loan was not finalized. I have attached a screenshot of the message that says " You're almost done. There are a few quick steps left to finalize your application ''. There was no warning or indication of any kind that my credit would be run, or the loan would go through. Especially after I called them 2 days later, it was my understanding that I had cancelled the entire process. I received an email today that Navy Federal is still considering my loan. This prompted me to call them again because I did not authorize them to process anything from the beginning. I did not go through the entire loan process on the app, and I had already called to cancel. I checked my credit and Navy Federal is there with a hard inquiry. I do not agree with this because it is my understanding, I did not authorize them to go through with this loan process and it looks like they are still trying to process a loan that I called and told them to not process at all. I called them again today, XX/XX/23 and was told the disclosures on the mobile app says the credit will be run. I did not see any disclosures nor did the screen say that. I did not agree to them running my credit at all and stopped the process on the app before I got to this point. I want the hard inquiry for Navy Federal removed from my credit. This is negatively affecting my score for something I did not want or authorize. | ||||||
| 11/21/2021 | Yes |
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| after speaking with legal counsel i found that navy federal navy credit union is in violation of TILA failure to disclose to me about my open ended consumer plan 12 CFR 1026.5 and the finance charge the sum of all charges pursuant to 12 CFR 226.4. Navy federal fail to XXXX out my account monthly. Already sent in a billing error affidavit of truth 12 CFR 1026.13 which was sent certified mail with a green return receipt. am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of the account and ledger and debits of the account to verify the current accounting and taxes associated with this account. information need to be provided to see who funded this account. banks can not lend its credit or its money. EMBEZZLEMENT, THEFT BY DECEPTION & EXTORTION FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHAP. 48,49. JUNE 5, 6,1933, HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ON JUNE 5, 1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE.THIS RESOLUTION DECLARED THAT WHEREAS THE HOLDING OR DEALING IN GOLD AFFECT THE PUBLIC INTEREST, AND ARE THEREFOR SUBJECT TO PROPER REGULATION AND RESTRICTION ; AND WHEREAS THE EXISTING EMERGENCY HAS DISCLOSED THAT PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY ARE INCONSISTENT WITH THE DECLARED POLICY OF CONGRESS..IN THE PAYMENT OF THE DEBT. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY, OR IN AN AMOUNT IN MONEY POLICY ; AND EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. | ||||||
| 01/04/2018 | Yes |
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| on Saturday XX/XX/XXXX I received an E-mail from Navy Federal stating "Member to Member" access was successful to a person named XXXX XXXX XXXX a person I'm not familiar with. I immediately contacted Navy Federal and told them this was unauthorized and the transfer was unauthorized too.......The representative changed all of my accounts restricted my online access. I was told nothing more could be done due to the fact this was during the holidays and the fraud department was closed and I needed to visit the local branch on Tuesday XX/XX/XXXX....I went to my local Navy Federal bank of which I was then informed I could not file a fraud claim until Wednesday because the transaction was currently "Still Pending" and there was still a possibility the transaction could be denied and my funds could be returned... needless to say the transaction was posted on Wednesday....I immediately called Navy Federal and reported my claim to their fraud department...The representative suggested that I file a police report...of which i immediately did....I needed some other information from Navy Federal so I went to my local Navy Federal and the young lady told me I should have half of my money by the end of the day or two....so I called Navy Federal today the representative informed me they HAVE NOT turned my case to a fraud investigator and they DO NOT give credit in "These Types Of Cases" and it will take up to 10 days to "Investigate" and if it is "Approved" they will give me my money back.... My issue with isA: THIS IS NAVY FEDERAL'S FAULT; because it happened "Internally" a member of THEIR institution stole my money and transferred My money from my Navy Federal account to their Navy Federal accountB:I INFORMED NAVY FEDERAL as soon as the issue was brought to my attention and I have FULLY cooperated with them and they allowed the member to keep my funds in spite of them having knowledge the transaction was fraudC: THE LACK OF URGENCY when it comes to my account being hacked and the LACK OF CONCERN with the fact that I DO NOT HAVE ANY MONEY | ||||||
| 10/05/2023 | Yes |
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| Recently I disputed transactions from XXXX XXXX that were prematurely closed. The disputes centered around XXXX separate food delivery purchases [ totaling {$140.00} each ] that were spoiled. XXXX has a satisfaction guarantee that doesnt seem to be honored in these instances. Per email correspondence from NFCU, I was to provide BY XX/XX/2023 the following : ( 1 ) Correspondence with the merchant regarding cancellation. ( 2 ) Proof of return for canceled or returned merchandise. ( 3 ) Terms and conditions surrounding your purchase. ( 4 ) Invoice for merchandise ordered. ( 5 ) Pictures. Details of purchases and how not as described for each meal. Foremost, Id point out that closing these claims before XXXX XXXX XXXX XXXX XXXX doesnt honor their communication, as BY means on or before the stated date ( XX/XX/XXXX ). It also is indicative of NFCUs proclivity of : ( 1 ) generalizing these disputes ( analogously trying to fit square pegs into a circle ) rather that considering them individually and holistically ; ( 2 ) deterring consumers by requesting so much information ( of which much may not be needed or necessary ) ( 3 ) hastily denying disputes without thoroughly investigating matters; and ( 4 ) failing to apply logic. Second, Id like to point out that some of the requested supportive documentation is unreasonable, given the type of purchase made. Also in the XXXX disputes submitted, I detailed that delivery orders are processed at the corporate level, and that I had no contact information for their corporate office. I affirmed that my communication took place in-store. The aforementioned and the length of time between the purchase and dispute submissions also should accounts for why I dont have pictures to submit. Additionally I also submitted a dispute for a XXXX membership that Ive been charged for that remains unresolved. I believe that NFCU uses an automatic system that fails to apply logic, reasonable deduction or complete thorough investigations for its secured card holders, despite its advertisements. | ||||||
| 04/02/2023 | Yes |
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| I called Navy Federal to ask a question about my credit card and was asked to provide my access number or my social security number. Now they are never supposed to ask for my full social but the last 4 digits if I decide not to use my access number. So I recently learned that due to consumer law I do not have to give my social security number. I have decided to give my access number which should provide all of my info. Then they ask for my address and date of birth and again my full social security number. Even when I dial in the automated systems tells me to enter my access number or my full social when calling in. So, with doing that all my info is supposed to show on the representatives screen without asking for my access number nor social Secuity number. They are not even supposed to ask for the last for digits of my social because everything is right there on the screen. So when I told them I would not supply my social security number it became a big thing and I was told that if I don't give it they would hang up on me. I asked to be transferred to the supervisor they hung up on me. I called back and asked for the supervisor and she also became nasty and told me she couldn't help me if I didn't supply my social security number. I said I gave you my access number and told her I think I was being racially profiled. I called back and got a rep who said as long as I type in my social it will manifest on the screen. I should not have called in to ask 1 question that could have taken 5 minutes or less but I has to call 4 times and it became an argument with workers who are not knowledgeable or racially profile me for ss # when I get XXXX XXXX reps they say I am verified on the screen but when I get XXXX reps they always want my access number and social security number. Isn't there a law stating I don't have to give my social over the phone. I don't feel comfortable with giving my social security number # over the phone with people working from home especially the ones who are very nasty in personality over then phone. | ||||||
| 08/21/2019 | Yes |
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Web | Servicemember |
| I had a signature loan for about three years with Navy Federal. I have never gone 30 days past due on my payment. I called Navy Federal on XX/XX/XXXX after discovering they took social security ( protected funds ) from my account to pay towards my loan which was a few days past due. I have spoken to them about this on numerous occasions and they tried to say that because I moved the funds from the savings into the checking that it was no longer protected, which is absolutely incorrect! My loan was due according to my XX/XX/XXXX statement for XXXX. I called and set up two payments one for XXXX to be processed on XX/XX/XXXX and another payment of XXXX to be processed on XX/XX/XXXX to satisfy the remaining balance on my loan. I called their collections department and got the XXXX amount from the representative. Last week on XX/XX/XXXX I checked my online banking app to make sure there was nothing owed on the loan, and it read XXXX $ balance, and I was not past due. Today when I opened the app it said I was XXXX days past due for a XXXX late fee that posted on XX/XX/XXXX. I was not notified of this and was utterly confused as to how I can go from owing nothing and not being past due to a week later I am now XXXX days past due. When I called Navy I spoke to collections twice, I spoke to lending and a lending manager and member services. Everyone acted as if I was in the wrong and it was my fault for not realizing I was going to get hit with a late fee a month later even though I paid off the loan and I was given no reaction time since when the fee posted I was instantly put at 30 days past due. I am beyond furious at Navy stealing my social security funds and then trying to justify it AND me satisfying my loan balance and the amount put on my statement, and still being reported for credit. The lending manager said she would pull the call and if SHE feels I was given the incorrect amount, said they MAY see about getting this removed. Navy Federal is still up to their deceptive ways and I am going to be pursuing legal action. | ||||||
| 12/17/2016 | Yes |
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| I came to the XXXX location in XXXX to apply for a loan. The loan was to pay for a certification class and moving expenses. After explaining the situation in its entirety to the representative, I was told that I needed to open an account to apply. After opening a checking account, he opened a savings account for me as well although I did n't need it. He then did the loan application and told me to check back in a few days. I decided to call the customer service number about an hour after getting home and was told that my application had been denied. I was also told that the decision was made right away, as in while I was in the branch. After appealing the loan process several times over the course of 4-5 days, I was finally told that Navy Federal does not grant personal loans for job certification purposes, but would be more than happy to help me with my moving expenses. After applying for a 4th time, I was denied again without a proper explanation. I was told to simply wait for my letter in the mail explaining the decision. I will be starting a new career in California on Monday, XXXX XXXX, and all Navy Federal has managed to do is waste my time and energy. From the beginning, the representative simply signed me up and left me out to dry. Knowing my application was denied, he told me to simply call back a few days later. Knowing that you do n't give loans for certifications, your customer service and lending teams wasted my time and money having me appeal and process several loan applications. I am going tomorrow to withdraw my money and close my account. I am also recommending my brother, a active member of the ( XXXX XXXX ) and my mother, both account holders of Navy Federal to do the same. I have never felt so cheated and swindled by a company in my whole life. I want this to be made very clear to Navy Federal : you created a checking and savings account for me AND RAN MY CREDIT knowing that the reason for the loan was not something you support. Shame on you and your banking institution for not knowing better. | ||||||
| 04/27/2022 | Yes |
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| I received a Navy Federal rewards card from NFCU back in 2021 I was using the card while I was staying at the XXXX XXXX XXXX by XXXX I received unauthorized charges on my credit card from the XXXX XXXX after I told them not to charge my credit card so I called my NFCU about the situation and has I was talking to customer service on the phone the hotel charged to again so the customer service representative was looking at my account and told me they was attempting to charge it again I said to her stop can you stop them she said no I said why not she said we can't stop authorization a said what do you mean she began to explain that they have a contract with the credit card processing companies such as XXXX where as any authorized charges have to be paid no matter what and the merchant as up to 6 months to settle I said to her that's not right because the merchant can keep charging your credit card for what ever amount that will authorize on top of the if the merchant don't collect the funds right away then after 5 days the funds go right back on the credit card as available credit then the merchant can authorize it again and again after every 5 days then she yeah unfortunately we can do anything about it the only thing we can do is shut down that credit card and send you out another one then I said what about those charges she will you would have to pay them they Then I told her that wasn't right because your bank is in valuation of the truth in lending law 's because what you just told me is not anywhere on the contract I signed when I received the credit card she said no it is not that information is not provided no where on the contract then I said so how can you charge someone for these charges she said nothing. I think it's unfair and predator for this bank or any bank to do these types of practices and I don't think I should be liable for these charges. The card balance was {$5000.00} and I was charged over {$7000.00} in unauthorized charges due to this banking problem that violates the truth in-lending law. | ||||||
| 01/11/2022 | Yes |
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| This company is fraudulently reporting information on my report without my consent. I am not aware of this account who opened it and the account is being reported as charged-off. That means someone was paid off the account and my name. Who gave them consent to report this account? They have not provided my wet hand original signature that gave them consent. This is damaging my reputation and causing injuries as I am not able to obtain credit. The account has been charged off so why is it on my private report. Regulation P stated they are required to provide an opt out notice which means they are moving in dishonor by not respecting my privacy disclosing information to a third party without my consent. 15 USC 1692a ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus and their is only one Bureau and that is the Consumer Financial Protection Bureau. 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They have not provided any documentation of that was obtained through personal interviews with neighbors, friends, or associates. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) An act or practice is unfair if ( A ) the act or practice causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers ; and ( B ) such substantial injury is not outweighed by countervailing benefits to consumers or competition. 12 U.S.C. 5531 ( c ) ( 1 ). I KEEP GETTING DENIED CREDIT BECAUSE XXXX XXXX IS FRAUD WITH THE REPORTING ON MY PRIVATE CONSUMER REPORT. | ||||||
| 11/15/2017 | Yes |
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| I am writing this complaint to formally request a resolution of my fraud claim with XXXX XXXX XXXX. Ive been a victim of fraud and discovered the fraud when I tried to apply with Navy Federal Credit Union in XX/XX/XXXX online, the system stated that I already had an account with Navy Federal Credit Union and to call customer service. I called customer service and a representative stated that there was an account in my name opened around XX/XX/XXXX and is in default, which I wasnt aware of. Then the representative assisted me with opening a fraud claim, she then stated to me that someone in the Security Department will be contacting me. On XX/XX/XXXX, I spoke with XXXX XXXX in the Security Department, there was several questions which I answered, I then verified that the Drivers License number on file was incorrect. After speaking with XXXX XXXX, I then proceeded with a police report as well as an Identity Theft Report with Federal Trade Commission ( FTC ), I made a copy of my Drivers License and faxed over the ID Theft report, police report and Driver 's license to XXXX XXXX in the Security Department with Navy Federal Credit Union. I was shocked and upset that XXXX XXXX sent me a correspondence on XX/XX/XXXX and stated that there was no error. I felt my claim was convoluted due to the fact that I was n't complaining about an error, I was complaining about fraud involving my social security number and identity. To my understanding XXXX XXXX never investigated fraud because if he did, he would have found that it was n't me that opened the account in the year XX/XX/XXXX. After receiving the correspondence from XXXX XXXX I called Customer Service and they instructed to write an appeal. I did so and faxed it to XXXX XXXX XXXX in the Security Department and received no response to my appeal. I have exhausted my resources to try to resolve this issue on my own. I am seeking fairness in this matter that I should not be prevented from banking with Navy Federal due to me being a victim of Identity fraud in XX/XX/XXXX. | ||||||
| 12/14/2022 | Yes |
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| Navy Federal restricted my bank account in XX/XX/XXXX. My auto loan was set up for automatic bill payments and its absolutely no reason my auto loan should be in a delinquent status. This restriction prevented me from registering the vehicle and listing Navy Federal as lien holder. We purchased the vehicle from my step son who is also a member at Navy Federal credit union. We have the title just dont have the funds to hey it titled, registered and add lien holder. Due to the restriction of no fault of our own it caused the auto loans interest to increase over 100 % causing more financial distress because our bank account is restricted. We have no access to online services or access to make any changes to the bank account. The monthly payment has increased and my credit has been ruin. If XXXX is the reason for the restriction and the money has always been there why do I suffer financially for their negligence in their fiduciary duties? My credit score was over 700 and its now in the low 400s all in 7 months. What took years to build positive creative has been damage to the point of no repair. This isnt legal nor ethical and I expect CFPB to actually dive in and protect me from the predatory lender. The bank account was restricted for no legal reason and all funds were verified on XXXX different occasions. XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX via their wire departments service messages. XXXX XXXX verified funds and the beneficiary and the reason for the wire and they still refuse to remove restriction. This negligence caused them to pay their own selves late since the money has always been present and we have absolutely no access to the account to make any changes or updates. They have tried to stall and make excuses for their behavior but fortunately for me I have all XXXX pages of the service messages between Navy Federal and XXXX bank. Please get them to bring my loan to a current status and update my credit report information both with all credit bureaus and internally within XXXX XXXX. XXXX XXXX has failed me. | ||||||
| 05/13/2021 | Yes |
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| I HAVE BEEN A MEMBER WITH NAVY FEDERAL SINCE XX/XX/2019, I HAVE APPLIED FOR THERE CREDIT CARD, MORTGAGE PROGRAM, AUTO LOAN FINANCE AND ALL BEEN DENIED, MY MOST RECENT APPLICATION, I APPLIED FOR UNSECURED CREDIT CARD APPLICATION AND WAS DENIED, I HAVE HAD A SECURED CREDIT CARD PLUS 3 ACCOUNTS CHECKING SAVINGS AND BUSINESS ACCOUNT ALL IN GOOD STANDING, EACH TIME IVE BEEN DENIED FOR ONE OF THERE SERVICES I HAVE NEVER RECEIVED A DENIAL LETTER EXPLAINING WHY I HAVE SENT EMAILS TO THERE RECONSIDERATION DEPT XXXX EACH TIME, ILL RECEIVE A CALL FROM A REP, THAT JUST REINTERATES THE SAME SCRIPT THAT MY ACCOUNT IS REVIEWED EVERY MONTH AND THAT THERES NO SPECFIC TIME WHEN ILL BE CONSIDERED FOR AN INCREAE OR I SHOULD RECEIVE A LETTER IN THE MAIL WITH MORE DETAILS, IN ANY EVENT SINCE BECOMING A MEMBER MY CREDIT SCORE HAS IMPROVED TO OVER 700 BY WAY THROUGH THEIR APP, SO I ATTEMPTED AGAIN AND WAS DENIED AGAIN, AFTER REQUESTING PROOF OF INCOME, BY WAY I SENT IN MY RECENT PAYSTUBS YET THEY DENIED ME FOR UNABLE TO VERIFY INCOME TO WHICH I HAD TO CONTACT THEM TO FIND OUT WHY, WHEN I NEVER RECEIVED A LETTER, WHEN I SUBMITTED THE APPLICATION, I HAD TO SEND AN INQUIRY THROUGH THEIR MESSAGING SYSYTEM THROUGH THEIR ONLINE SYSYTEM, TO ASK, AN A REP RESPONDED THAT ITS BECAUSE THEY COULDNT VERIFY MY INCOME WHEN ASKED TO SUBIT MY TAX RETURNS, THERE WAS NO REQUEST OF MY TAX RETURNS THERE WAS A REQUEST FOR " PROOF OF INCOME '' WITH PAYSTUBS, TAX RETURNS BEING AN OPTION, YET THATA THE REASON THEY DENIED ME, FOR A VERY LONG TIME IVE BEEN SENSING IS A SENSE OF DISCRIMINTATION FROM THEIR UNDERWRITING DEPARTMENT AND I CAN NOT SEEM TO GET A DIRECT ANSWERS ON THESE DENIALS THAT MAKES SENSE, IN ADDITION, I ACCIDENTIAL REQUESTED AN OLD STATEMENT AND THEY SENT ME A MESSAGE SAYING UNABLE TO SEND THE STATEMENT UNTIL I CHANGE MY ADDRESS BUT YET SENT THE STATEMENT VIA XXXX XXXX AT THE SAME TIME, WHICH A CONTRADICTION OF THE COMMUNICATION, I SENSE THAT THESE REPS ARE NOT ON THE SAME PAGE, AND I FEEL THEY ARE NOT PRACTING LEGAL TACTICS UNDER CONSUMER LAWS | ||||||
| 05/13/2018 | Yes |
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Web | Older American, Servicemember |
| In XX/XX/XXXX, I applied for an equity loan against my primary residence and was denied citing two missed mortgage payments ( XX/XX/XXXX & XX/XX/XXXX ) on a secondary property. I provided the reason I missed the payments as follows : In XX/XX/XXXX, while on vacation, my sister suddenly had XXXX XXXX. She was rushed to the ER and admitted with a diagnosis of XXXX XXXX XXXX. We were out of state and she could not be stabilized to travel back home.The expenses for treatments and consultations mounted and I had to help bear the costs. I notified my mortgage company of the dire situation and informed them the payment would be missed for the two months. This was a very difficult time for me financially and I needed help. In XX/XX/XXXX, I reapplied for the same equity loan as I had been told to wait one year due to the two missed mortgage payments, however I was denied again. I initiated an appeals process in order to address the concerns raised by the Equity Processor. I was thorough with my explanations and documentation, however, when I received their formal letter of denial it stated the information I provided was not sufficient to alter the original decision. I was disturbed by their response because one of the areas of concern dealt with my debt to income ratio. I provided them with a lease agreement from my tenant who has an account with their bank. I also provided the tenant 's account information showing each monthly payment. I fail to understand why this additional information was not helpful since the mortgage payment is {$1600.00}. Additionally, I provided a full explanation as to why I missed the two mortgage payments as well as a disputed charge-off by XXXX XXXX. Another area of concern was a {$15000.00} loan I took out in desperation when the equity loan was denied. The interest rate on this loan is 24.57 % ; term of the loan is 36 months and the monthly payment is {$550.00}. My credit report will document I have had no late payments on any account ever, except the mortgage situation I explained above. | ||||||
| 08/18/2020 | Yes |
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Web | Servicemember |
| I initiated a debit card dispute with Navy Federal Credit Union on XX/XX/2020 related to two charges by a travel agency, XXXX. XXXX has repeatedly lied, broken federal law, and changed their terms and conditions after purchase without notification to us. I have written confirmation from XXXX that the terms and conditions were different when we purchased. I submitted over a hundred pages of evidence to Navy Federal Credit Union in related to this claim and the illegal activity of XXXX. On XX/XX/2020 I was informed that the claim had been partially decided in the favor of Tripmasters based on their new terms and conditions, which were NOT the terms and conditions that were in place at the time of purchase. We are not beholden to their new terms and conditions due to this, as the terms were different when we purchased our travel package. I have submitted this evidence to Navy Federal. I requested a formal, second look appeal by Navy Federal E-Message as directed by a Navy Federal call center representative on XX/XX/2020. I called back to Navy Federal on XX/XX/2020 and got another call center representative who confirmed the E-Message was received but had not been responded to yet and that the credit given to us would be removed from our account on XX/XX/2020. I expressed concern over this, as XXXX acted illegally and I was concerned that the evidence we submitted had not been properly reviewed. I was advised yet again to send another e-message related to the appeal to ask that the credit not be removed pending review of the evidence. The credit was removed anyway, despite the mountain of evidence provided to Navy Federal. I have also not received acknowledgement of my appeal or the review of the evidence. This is causing not only financial strain for my family but emotional distress, especially since our financial institution of over ten years is now aiding and abetting a company in committing illegal actions and are going against Department of Transportation regulations related to the COVID-1XXXX emergency. | ||||||
| 04/06/2023 | Yes |
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| XXXX XXXX knows that credit is HIS right and XXXX XXXX also knows that reporting to consumer reporting agencies by creditors is voluntary, please see attached CFPB article from XX/XX/2012. The information that NAVY FEDERAL CREDIT UNION saw on the report that was received from XXXX, XXXX XXXX didnt consent to it, and it was unvoluntary, XXXX XXXX transactions are done in good faith, and they are private transactions. This was unfavorable to XXXX XXXX, but nothing under adverse action gives NAVY FEDERAL CREDIT UNION the right to deny XXXX XXXX credit. XXXX XXXX credited this transaction as a creditor with his credit card, 15 USC 1602 ( l ), this was a credit transaction from his credit card. NAVY FEDERAL CREDIT UNION has committed a crime, the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. NAVY FEDERAL CREDIT UNION has benefitted from the use of my credit card, but XXXX XXXX has not. NAVY FEDERAL CREDIT UNION ran XXXX XXXXs credit card and received the credit, but XXXX XXXX has no access to nor did XXXX XXXX benefit from the XXXX NAVY FEDERAL CREDIT UNION received. In your adverse action letter, it mentions the Equal Opportunity Credit Act, XXXX XXXX has been discriminated against because XXXX XXXX exercised his right. The right that XXXX XXXX exercised is his right to credit but NAVY FEDERAL CREDIT UNION discriminated against him because of some score that is not backed by law and is a part of a voluntary system that XXXX XXXX has not consented to. XXXX XXXX is writing this letter to attempt to cure this adverse action with reasonable procedures to rectify the transaction and to compensate me for the use of my credit card in the amount that he is requesting of, {$5000.00}. Failure to provide the response requested within 7 calendar days will constitutes as NAVY FEDERAL CREDIT UNION acceptance the offer to compensate me in the amount of {$5000.00}. | ||||||
| 10/31/2022 | Yes |
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Web | Older American, Servicemember |
| After receiving roof damage during Hurricane Ivan, I submitted an online application with Navy Federal Credit Union ( NFCU ) for a Home Equity Line of Credit ( HELOC ). My intention was to repair the roof using the funds from the HELOC while I await my insurance settlement. I received an email requesting a telephone interview from XXXX XXXX, Equity Processing XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX | XXXX, VA | XXXX Telephone : XXXX | Fax : XXXX Email : XXXX, On Friday, XX/XX/2022, during our very first conversation, XXXX XXXX outlined that there would be approx. {$2000.00} in closing costs and that the roof would probably have to be replaced BEFORE they could approve the loan. I immediately responded by instructing her to withdraw my application. She replied " okay ''. She agreed to withdraw my application. She then called me back a few minutes later and stated that " by law, they must record my loan as declined ''. That is absolutely untrue. My loan was not declined, nor had they even offered me the loan or completed the interview. It was in fact withdrawn. She then stated that it would not be reported to credit agencies, but would be marked as declined only in the NFCU internal records. I advised that his too is unacceptable. So, I am requesting your assistance in having this matter resolved. I have a long-standing and blemish-free relationship with Navy Federal. I have referred dozens of borrowers due to the professionalism I experienced with NFCU, until now. I will not allow my record with NFCU to be tarnished because I withdrew a loan application. I'm not trying to be unreasonable but, I take my credit extremely seriously and they are threatening to disrupt my years of hard work by fraudulently recording my application as declined. They DIDN'T decline my loan, I WITHDREW my application. I am a XXXX, XXXX XXXX veteran and I rely on my credit in the event of emergencies. What NFCU is doing is not only deceptive and destructive, but I believe it is fraudulent and illegal. Please help, XXXX XXXX | ||||||
| 03/16/2020 | Yes |
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Web | Servicemember |
| I am a XXXX XXXX veteran who banks at Navy Federal Credit Union and I qualify under the federal mandate, Americans with Disability Act. In early XX/XX/2019, I tried to take out a second line of credit on my home. I was going to use a portion of these funds to help make my house more XXXX accessible for my XXXX. Currently, my home setup exacerbates my health conditions. Over the next 3 months, I begin to see firsthand that the largest credit union in the United States, with over XXXX employees, the one that handles all our military and veteran banking needs is non-ADA compliant. From its website design, to their untrained employees, customer forms, directions and even their instructions all violate the XXXX XXXX XXXX that all business and public entities in the US must follow. The report that follows will show that Navy Federal Credit Union fails to adhere to the XXXX federal mandate. When finally confronted with the problem Navy Federal Credit Union then denies services and creates additional barriers to service, to eventually retaliation, where they locked me out of my account, keeping me from my Federally protected VA XXXX funds that I receive. Navy Federal Credit Union failed to trained their employees, nor hire a trained individual with XXXX expertise to ensure their companies compliance. By failing to do so, Navy Federal Credit Union has built an info structure that discriminates against people with XXXX. This should be alarming and troubling to every single American. The very people who are out their putting their lives on the line to protect and uphold the laws that govern the American people. These people who made the ultimate sacrifice and end up becoming injured because of their service to their country, these are the people Navy Federal Credit Union are exploiting and taking advantage of by not being XXXX compliant. With over XXXX employees hired to handle our Military and veteran Banking needs, they should be setting the standards in the banking industry and as a country we should demand it. | ||||||
| 07/07/2022 | Yes |
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| On XX/XX/XXXX, I filed a dispute with Navy Federal Credit Union ( NFCU ). With this dispute I provided documentation and evidence I returned the vehicle on XX/XX/XXXX to the XXXX airport. NFCU declined to investigate this incident, refused to consider the documentation and evidence I provided, and simply deferred to the merchant. I appealed this decision and asked them for a copy of their investigation and the documentation used to arrive at this decision. NFCU provided me with no investigative report and no evidence any investigation occurred -- the only documentation referenced in the determination of their decision was the Merchant Rebuttal from XXXX. I have photos of the vehicle returned to the XXXX airport, clearly showing the location as XXXX airport, time stamped at approximately XXXX XX/XX/XXXX, and marked with GPS coordinates from the phone used to take the photo indicating the photo was taken at XXXX airport . I have photos of the receipt for the gas station to fill up the car before returning it to the airport. I have evidence of my flight activity showing I departed Florida days prior to when XXXX claims the vehicle was returned. XXXX, to my knowledge, has provided XXXX evidence their bill reflects an accurate or reasonable reflection of the services rendered to me. I provided all of this evidence to NFCU, however they refused to reconsider their decision or even reopen their investigation. After much back and forth with XXXX, they eventually acknowledged a discrepancy and revised the charge for this rental to {$200.00}. However this amount is still far above what I expect to owe, and NFCU provided XXXX assistance or independent effort to understand or correct this error. I feel doubly cheated, first by XXXX for this billing error/fraud, and second by NFCU for refusing to investigate and take action on this billing error/fraud. And to add insult to injury, neither company will provide reasonable explanations for their decision making process or justifications for their ( in ) actions. | ||||||
| 02/23/2022 | Yes |
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Web | Servicemember |
| Company on multiple occasions refused to provide proper information to enable me to process my payment. I explained at length that my account was a saving account and various csr 's on multiple occasions told me that I can process my ach payments using savings accounts. I was also told at times that it required a checking account and yet my payment attempts were still being rejected. I received an email showing my savings as a checking account despite my efforts to communicate otherwise. Most recently I received a phone call on XX/XX/XXXX and XX/XX/XXXX my a supposed XXXX XXXX XXXX of ( Navy Federal ) who provided me with false call back information, and called at a wrong time despite when i told him to call. He proceeded to tell me my account has been reset so I can pay via online. So today i logged in online and I am in the process of submitting a payment after my supposed account reset. My {$58.00} payment is scheduled for XX/XX/XXXX. My {$54.00} was rejected and i received the email from NF stating it was because my account is a saving account but went in as a checking account. XXXX XXXX attempted to pursued me that this was my doing and told him it was not so it was best to just say the information was entered wrongly. I also mentioned that I know my account information and the spelling of my name and this was NF 's fault not mine. Notwithstanding, he found other errors on their part ( NF ) for which I was not given any details. My account is in deliquent status despite the fact that its because of their own CSR 's failure to properly do their jobs and process my payments. XXXX XXXX did state that this should not of been my experience, agreed to wave a {$10.00} fee ( supposedly ) and admitted that my name was entered wrong by the NF and the there were some other issues that he sees as to why my entire account will have to be reset. So in other words NF is the reason I am late on payments due to their own negligence. I still do not have online access but they continue to file against my credit file. | ||||||
| 02/09/2021 | Yes |
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Web | Servicemember |
| We had two vehicles with Navy Federal. My ex and I began going through a divorce, which directly stated the separation of our vehicles. I was advised on several calls, even with sending in a copy of the divorce decree that I could sell my vehicle and they would pay what is was worth. I was advised on multiple occasions, even 3-waying my ex to state the terms that once the vehicle was sold and paid off by Navy Federal the remainder of the loan would NOT report any longer to my credit and that I could pay the balance about {$5000.00} for transfer fees and cancelling a loan by calling or going into a location because it became a loan without collateral. My ex agreed after about 6 phone calls with reps and supervisors stating the same thing and we sold the vehicle back to the dealership we purchased it from. This is the ONLY reason he agreed and signed. We told Navy Federal up front we would allow it to get repossessed to separate it and let it fall off because we no longer would have the car to continue making car payments on and they gave us this option. They did the exact opposite, lying over months to us about what would happen once we gave it back. We no longer have the vehicle and a new loan hit our credit saying a loan with no collateral and the balance is {$26000.00}. I am now a single mom of three with no vehicle and they are telling us when we called to see what happened that I still had to make the monthly payments ( the same as when I had the car ) until the loan is paid off. He immediately asked them to give me the care back and they refused saying they already paid the dealership. My heart is broken and now I have two car payments one for a vehicle that no longer exists and then for my ex because they did not take me off of his car once I sold mine. It turned into he has to refinance and qualify on his own and we asked that specifically before all of this mess. Now I am out of a vehicle and can not qualify for another due to credit and all the late payments they hit me with during this. | ||||||
| 11/02/2022 | Yes |
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Web | Servicemember |
| On XXXX I receieved an email one or more of my account were overdue. I was unable to pay via a transfer from my XXXX XXXX to Navy Federal. I pay all Navy Federal through their built in External Financial Institutions connector and auto pay. on XXXX around XXXX, I contact Navy Federal to clear this issue and talked to XXXX XXXX I was able to pay only over the mobile app. I inquired how I was 2 months late.They told me there are complications with external financial institutions that can cut off the connection. I was given an array of reasons that boiled down it " It's complicated '', no specific reason was given, even though I asked more than once. The only correspondance I recieved from Navy Federal is when my account was 2 months overdue. I requested as to " when '' my auto-pay was turned off, they could not tell me. They also did not tell me " why '', other than a plethora of potential issues. There have been 0 notifications from Navy Federal via Email or Emessages ( in app or website notifications - I have screenshot ) to tell me an entire montly payment was missed. I will now have late payments on my credit reports. This connector has turned off in the past, and I thought it was a fluke until today. I can't expect them to fix an entire system that does not notify a consumer of a missed payment. I expected " auto payment '' to auto-pay and notifiy if the monies were not recieved. I am now 2 months behind and a pretty heafty bill I have to make room for. I've since paid all late balances via Navy Federal mobile app. I have also been advised of sure way to pay this bill without bounceback. They do not recommend using the built in connector, even though this is an option clear label it will fail at random times for no reason. XXXX stated the external banks can be read wrong and it will fail out. If I had known of this issues, I would not have used a method they allow to make auto-payments that may " sometimes '' fail without any reason they could give me difinitively over the phone. | ||||||
| 04/04/2018 | Yes |
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Web | Servicemember |
| I opened a checking and savings account with navy federal XX/XX/XXXX since I am a veteran. a week after opening the account, I was also approved for a credit card with a {$1600.00} limit. when the card arrived, I purchased a pot set from XXXX for {$37.00}. a week after that, I tried to use the card to purchase gas and it was declined. I logged into my navy federal account online to check my balance and the message I got was that my accounts were in a restricted status. I called navy federal and was told I needed to send in my id and proof of residency. I did. 2 weeks later no response back so I went in a local branch. the representative there asked me if I had ever had a navy federal account before and I told her no. she told me there was an account under my name but different address and social information so it has my account on restriction until they investigate. I asked her what address and information did it show so I could file a police report and she said they couldn't tell me but rest assured someone would call me. I left there pissed off. I went home pulled my credit report. navy federal was not on there, but 10 other accounts that I wasn't familiar were. the credit bureau told me to file a police report and identity theft report and I did. i called navy federal and asked where I could send these reports to them and they said they didnt need them because my accounts were all on a permanent hold and could never be used. they didnt even give me a chance to show my innocence. I still mailed in my reports and explained my situation and never heard back from them. XX/XX/XXXX, I called navy federal and spent an hour on the phone trying to get to a supervisor and wasn't allowed to. i started watching my credit on XXXX XXXX since it was free ( my first report i pulled was {$39.00} ). it showed i owed navy federal {$12.00}. i mailed a money order. in XX/XX/XXXX, XXXX XXXX said i owed them {$42.00}. i mailed that too. fast forward to today. they JUST updated me as 90 days late and i owe them {$88.00}. | ||||||
| 02/08/2022 | Yes |
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Web | |
| I had an account with Navy Federal and opened a companion account for my daughter who was underage at the time. I basically used that account to send her money. When she became of age and went to college, she started working as well. She used her account as her primary account and had her checks direct deposited into the account. In 2016 someone got a check from someone and deposited the check through the ATM. At this point, the manager of the XXXX branch claimed she came in to the branch and got cash from the check. How this happened, I to this day do not understand when you need ID to cash a check. The amount was over {$2000.00} and my daughter did not have that amount in her account. I tried to fight this, but the branch manager stated that he called my daughter and she said that she did this and she accepted responsibility for the debt. This was a lie, because my daughter was in North Carolina at that time with me. After this, I was upset, but I didn't close my account because it was the only bank account that I had. About 1 year later, my paycheck was deposited into my account and it was confiscated by the bank. When I called to find out what was going on, I was told that because my daughter didn't pay the debt, they were taking my money to pay this debt. I had no prior knowledge of them doing this and had to call them to find out that it had even happened. After this, I stopped my direct deposit and let the account close. My daughter filed for bankruptcy and had the debt charged off. After her bankruptcy, I contacted Navy Federal again and was allowed to open another account. After depositing money into the account, I was trying to use the funds in my account and was unable to do so. I had to contact them to find out that they had placed restrictions on my account again without notifying me. I was told that because my daughter filed for bankruptcy and discharged the debt, that I was still liable for the debt plus interest and it didn't take into account the money that they took from me before. | ||||||
| 01/09/2021 | Yes |
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| On Monday XX/XX/2021 I applied for and opened a checking account with Navy Federal Credit Union. I did so under the sponsorship of an existing Navy Federal member, my wife whom I live with. I understand that I meet all of the qualifications for membership. I was granted online access to my account and was able to make an initial deposit of {$100.00}. Later that night, upon attempting to access my account via the web I was greeted with a message indicating I was not allowed access and needed to call in. I called on the night of XX/XX/2021 and waited on hold for over 40 minutes before I got to a representative who informed me that she could not provide me any information regarding my account or the reason I am not allowed to access it, and that I must call back when their security department was open ( which were restrictive hours ). I was also told that this department has no direct line and that when I call back during thier open hours I would need to first wait on hold for a representative who could then enter me into the queue to wait for the security department - which the representative remarked was " a long queue ''. At no time was any communication sent to me via email or otherwise indicating that I would be restricted from accessing my accounts or needed to contact anyone. The only way I could obtain this information was by attempting to login, then calling and waiting on hold to be informed of the hoops I would need to jump through. At the point of my writing this it is XXXX and I have still received no communication from Navy Federal indicating that they have taken any action or that there is any problem with my account. When I call into their support line after I am off work, the representatives are rude, vaguely accuse me of fraud but refuse to provide any details. This has been a horrible customer experience and I have XXXX desire to do any banking with Navy Federal. I want my money promptly and I want them investigated for the practices that led to my unfortunate experience. | ||||||
| 01/06/2021 | Yes |
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Web | |
| This has By far been the absolute worst Experience ever. Im a victim of identity theft. Being treated like the one. Ive been violated in the worse ways ever because of this fact. From Tax returns to Bills and Vehicles. Because of this Im recovering from XXXX. I was made aware of several accounts and loans have been opened in my name. Banking institutions as well and they have placed abusive and derogatory remarks on my profile. Making it extremely hard and nearly impossible for me to live and provide for my children as Im a single mother of XXXX Im trying to hard not to fall back into XXXX but this is really hard. I dont feel I should have such things placed on my public profile. Being the fact that Im a know victim of ID THEFT. Because of that Ive been on a never ending quest to restore my name and reputation. These remarks are abusive and not true & Theyre causing grave hardships and I fear irreversible trauma on my XXXX XXXX. Two weeks ago I submitted an application to open up an account and it was approved. They sent a letter stating that I was denied due to being in 3 party data base called XXXX. I called the number given after waiting for 20 minutes. I was Advised that I was in fact in their system with two banks. Reason being fraud!! Im devastated ... I cant function with this information on my public profile and its fraud. Im a business owner and I cant conduct my businesses effectively without this XXXX being removed. I called to speak with the fraud department and the representative was really disgruntled and impatient. She basically told me I committed fraud although I had no idea what had been done. They refused to give any info and instead sent a letter of debt. This organization would not even tell me what caused the problem. I called the second bank at hand and they too were very rude and I received minimal assistance. They both insisted I owed a debt and refused to assist me unless a payment was made. Please help me I have filed an FTC as well .. NAVY FEDERAL AND XXXX | ||||||
| 09/21/2022 | Yes |
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Web | |
| Hello, I'm writing in regards to application for a NFCU credit card done online. I was disappointed to hear of my denial considering my efforts over the last few months to improve my credit. Recently, I've taking steps to improve my credit reports that been riddled with inaccurate information. I currently have all my most recent accounts in good standing. No recent late payments and pay all my bills on time. I have been a valued customer with navy federal credit union for over three years. I might had some hard times with my account but other than that my account been in good standards. Navy federal states that they don't based you credit application on consumer report but you will still get an inquiry. Therefore, they based your application on your Transunion report and also your navy federal credit scoring system. Therefore, they have violate my rights as a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( **The Navy Federal Credit Union ** ) has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 I've done an excessive amount of research on various types of credit & what's need to build a satisfactory score. I've taken money management & a credit 101 class offered through my employer. I'm not asking for a large amount of credit, but simply enough to enjoy the wonderful benefits of the credit card while also continuing to prove my value & creditworthiness to you as a customer. I'm excited about the great perks & features that are associated with this credit card. I'm hoping this letter finds it way to someone who can help me get this application reconsidered, however I'm not authorizing an additional credit pull. I also have the navy federal credit union NReward card that been in good standards since I got it and no credit limit increase. Please could someone review both accounts. Below, I attached a letter in writing that I sent to them for reconsideration on my credit profile. | ||||||
| 08/15/2022 | Yes |
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Web | Servicemember |
| CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by ( XXXX XXXX and navy federal ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( XXXX XXXX and navy federal ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( XXXX XXXX and navy federal ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( XXXX XXXX and navy federal ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me. | ||||||
| 12/27/2022 | Yes |
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Web | Older American, Servicemember |
| The company allowed me to file an application for a XXXX XXXX XXXX, on about XX/XX/2022. I completed the application process and uploaded all requested documents. Neither in the application package, the company 's web page nor other promotional matters, pertaining to Home Equity Loans, was I informed or advised that this organization prohibited the use of XXXX Equity-based loans, for any business purposes. I waited 5 days for the notice of loan approval, but instead, I got a call, not a notice from XXXX XXXX, where, she among other things, said she think that my approval was denied, due to loan, purposes. Upon further questioning, I learned that she didn't even know what the loan restriction policies were. The loan officer was very uninformed, and more concerned about directing me toward a business loan, than answering my questions, regarding the following : 1. Why was my application accepted and processed, if the policy was to deny equity loans for business, purposes? 2. Why was I required to file all of the documents, and allow access to my accounts, and give permissions, if the subject company, denied all equity loans for business purposes? 3. Why was my application sent to underwriting for processing, if the financial organization, denied all loans for such purposes? 4. Why is this organization discriminating against XXXX XXXX and the general public, by denying access to home equity? 5. The company 's two notices of adverse action are contradictory, confusing, and capricious. I believe that I was discriminated against due to my XXXX XXXX status, in addition to having income based on government benefits and XXXX. I also believe that the company 's reasons for denial, are " facially discriminatory '' as well as arbitrary and capricious! Denying me access to the home equity in my home, based on the fact that I might use some portions for business purposes while approving loans for other purposes, is also " Facially Discriminatory, '' and a violation of The Fair Housing Act!!! | ||||||
| 04/30/2020 | Yes |
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Web | Older American, Servicemember |
| I have an auto loan with Navy Federal Credit Union that I was never late with. At the end of XXXX, the President enforced a government shutdown that impacted millions of small businesses and thousands of XXXX veteran/XXXX XXXX like mine. Invoices that we had submitted in XXXX, XXXX, XXXX and XXXX were not honored until almost mid XX/XX/XXXX. When I realized our invoices would be not be honored and we were pulled off projects I reached out to all my debt holders - XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and all worked with me. I not only wrote letters but called or visited in person those I owed. One of those was Navy Federal Credit Union. I went to their XXXX, CA office and with their manager called in to NFCU home office and the NFCU agreed to not place anything negative on our credit report. They said I had an outstanding payment record prior and they were working with all their veterans to ensure they were not harmed due to the government shutdown. Once we were paid in XXXX, I made up the back payments and have not been late since. But learned this year, NFCU did in fact post a negative on my report. I wrote then two certified letters. I went to their office. I called. I emailed. And I only get one paragraph reponses. They have taken over 30 days to respond to my letters and when I called last week, they say they had no records of my calls or emails. When I was in the office with my complain others were there also with the same issues. This is not right. I sent a certified letter to the President of NFCU that was five pages long in detail. I get one paragraph letter by from someone in Risk Management and when I attempted to call or email this person, the number didnt work and they had no email from him. Before that I received a letter from a woman and again the telphone number was bogus. This week I got an email saying they would investigate again, but no contact information. Something must be done to punish NFCU for being sloppy in responding and not keeping their word. | ||||||
| 03/03/2020 | Yes |
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Web | |
| My wife and I applied for a primary home refinance with Navy Federal Credit Union and were assigned a processor on XX/XX/XXXX. We were warned by Navy Federal Credit Union at the time of application that the volume was heavy and the average wait to close was about 82 days. We complied with all the required processing procedures in a timely manner, yet after waiting over 150 days, we still hadn't closed or got any formal resolution of our application. Still no formal response from Navy Federal to date. We finally received an email from a newly assigned Navy Federal Processor on XX/XX/XXXX stating that our application was " submitted to the Credit Committee as is '' and the date to have all items successfully received into the file was XX/XX/XXXX. " You are welcome to reapply in the future if you wish to proceed. Upon contacting the originator of this email we finally made phone contact with this processor. She told us that the application was incomplete. Asking her exactly was incomplete about it, she thinks that it was just incomplete due to poor communication between us and the processor. I can tell you we always responded to any request about this application in a quick thorough timely manner. Any lag time in anything was due to Navy Federal 's poor processing actions, not ours. We Have requested a formal written response as to why we haven't closed to date ( XX/XX/XXXX ). We got a voicemail from someone stating she was Navy Federal Supervisor XX/XX/XXXX which just stated " if you still desire further correspondence regarding the previous loan application her number is # # # # # # # # # #. Please give me a call if you want to reapply and there is no waiting period for you to satisfy ''. I have left 2 messages since this message was received and I have yet to get any response. In the mean time I have decided to initiate a loan with another company on XX/XX/XXXX. Perhaps our situation can help others in making a better decision when considering using Navy Federal Credit Union in the future. | ||||||
| 02/16/2023 | Yes |
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Web | Servicemember |
| My phone pickpocketed at a bar/disco on XXXX. They were able to unlock my phone & send money via texts, totaling {$5400.00}! I didn't realize anything until my XXXX Watch notified me that I had left my phone behind. I asked my friends for help & began searching. It was eventually found on the bar with my wallet ( attached to the case ) so I assumed all was ok. The next morning, I notice on my laptop texts to numbers I don't recognize. I look & see that they are payments and get concerned. I look at my phone but all these questionable texts are deleted. Then I notice my NFCU & other banking apps are also deleted. I immediately call my bank, start changing my passwords, cancel my debit card ( was in my wallet ), etc. I had just gotten paid & my auto drafts ( mortgage/bills ) hadn't completed yet. Because of that they were able to take a large sum from my checking account and once that was drained, the {$1500.00} overdraft protection I have in place was maxed. Then my savings kicked in to cover the funds being sent out. My bank makes it sound like everything would be ok & place a provisional credit to my accounts for the total amount taken. A month goes by & my bank immediately pulled out the {$5400.00} ( again ). I call to ask what happened & they say the incident occurred on a 'recognized devise ' so they are not covering the fraud. I appeal explaining the situation again, providing screenshots of the texts, watch notification, police report, ect. Then yesterday I call for an update ( because they've NEVER provided any ) & was told that they again will not cover it because the transactions were approved. They clarified that by saying that the system had send texts confirming Yes/No and " I '' replied yes. BUT since my phone was not in my possession then, that wasn't me. Why would I make multiple, rapid, large late night ( XXXX ) purchases? To numbers not saved in my phone? Totaling {$5400.00}? That totally drained my Checking/Savings accounts & maxed my overdraft? Clearly that wasn't me. | ||||||
| 07/19/2023 | Yes |
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Web | |
| XXXX XXXX XXXX XXXX XXXX XXXX in Florida refusing to refund the unauthorized transfer of my entire balance on XXXX of XXXX to an unknown person by wire fraud on my personal checking account. They alllwed me {$400.00} advance while investigating. I was on phone with customer rep over XXXX after I received a text message asking me if I authorized the transfer- if not call them. I immediately phoned n customer service said someone went into my account n changed my email address n even had set up bill pay for a future date but they didnt get pass my security questions. So how could they transfer my money without my knowledge to someone XXXX dont know XXXX XXXX?? after investigating they closed my acct and refusing to return my balance of XXXX n closed my account. No one has my permissions to remove money from my account. Also Im a victim of identity theft. Also need help with chase bank in ft XXXX fl.I have a personal checking account which receives my social security XXXX checks and used that account to deposit funds from my Llc business acct in which I tried several times to set up so I could keep funds seperated. They are refusing to release my balance of {$99000.00} holding it since XX/XX/2023. The bank rep lied and told me the check was in the mail after I went into bank in pouring rain over 5times providing my Llc n invoices they requested on large deposit made to XXXX XXXX XXXX I .Kaye n I have spent over five hours demanding they release my balance since they also closed my bank acct and refused to open a business acct and customer service lady XXXX XXXX into the XXXX checking sitelisting Im a fraud victim since someone did go into my checking trying to steal my entire balance by transfer n XXXX XXXX but XXXX caught it. This is causing me to literally starve to death and extreme hardship on my family. Im a hurricane disaster survivor whose home was destroyed XXXX a XXXX senior citizen! Navy fed bal XXXX and. XXXX balance of XXXX! I want my funds released immediately.please help me | ||||||
| 08/18/2022 | Yes |
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Web | Servicemember |
| navy federal account last XXXX XXXX It has come to my knowledge that Navy federal has violated federal law 15 USC 1666 ( D ) billing error. " ( Restricting or closing by creditor of account regarded by obligor to contain billing error ). Navy federal has closed my open end credit card account due to failure to pay amount due in error this against federal law and against the state by laws with the navy federal credit bank in the state of XXXX 15 USC 1666 ( d ) says a creditor operating an open end consumer credit plan May Not restrict or close an account with respect to which the obligor has indicated pursuant subsection ( a ) that he believed such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. I also notice while investigating my account Navy federal was stealing funds from my active checking account and applying it to my closed go rewards credit card for indebtness on my open end consumer credit card. This is totally against federal law 15 USC 1666h ( a ) a card issuer ( navy federal ) may not take any action to offset a cardholders indebtness arising in connection with a consumer transaction under the relevant credit card plan against funds of the card holder held on deposit with the card issuer unless such action was previously authorized in writing by the card holder ( consumer ) in accordance with the credit plan whereby the card holder agrees periodically to pay debts occurred in his open end credit card account. I did not give permission or written consent and this is considered theft and is a violation of federal law 15 USC 1666 ( a ) ( 1 ) Navy federal must reactivate credit card and also must apply funds it stole from banking checking account to rectify the situation! it is against federal law to take from checking account and apply to credit card without the consumers written consent please rectify this situation asap so we can stay at the arbitration table and not have to enter into litigation!!!!!! | ||||||
| 06/02/2020 | Yes |
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Web | Servicemember |
| I have been a customer with NFCU since XXXX. I have had mortgages and equity loans with NFCU since XXXX. So when I wanted to do a cash-out refinance, I applied to NFCU. I applied on XX/XX/XXXX. I then received a request to upload supporting documentation, and I did so on XX/XX/XXXX. The next step was a home appraisal, and I paid {$460.00} on XX/XX/XXXX for the appraisal. And then - nothing. I called and emailed my processor, XXXX XXXX, numerous times asking about the status of the application ( at least emailing her on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and received no response. Finally, I called the main customer service line at NFCU on XX/XX/XXXX or XXXX. I was told, to my surprise, that my mortgage loan application had been WITHDRAWN. The reason given was that I hadn't provided paystubs with my paperwork -- but I am XXXX, and don't have paystubs. I had provided my XXXX to show proof of income. After several calls with NFCU, I received an email on XX/XX/XXXX from XXXX, stating that " [ t ] his is completely a mistake on our side, '' and she was working with her supervisor to fix it. But again, I heard nothing the next week. Finally, I called again on XXXX XXXX and was told that XXXX would call me by XXXX that day. She did not. I called XX/XX/XXXX to inform NFCU that it had lost my XXXX of 28 years, that I wanted a refund of the {$460.00} I had paid for the appraisal, and I would be going with another lender. Amazingly, the story does not end there. The evening of XX/XX/XXXX, a new processor left a voicemail for me stating he was working on my application, and would call me back early the next week. On XX/XX/XXXX, I received notification that NFCU had run a credit report - completely unauthorized - on another application for me. On XX/XX/XXXX, I received an email from NFCU about my " new '' loan application. And on XX/XX/XXXX, ANOTHER processor called me, asking for information about my application -- all after I had informed NFCU that I was absolutely done with them. | ||||||
| 03/05/2020 | Yes |
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Web | Servicemember |
| I have contacted the bank on many occasions to have the department to contact me concerning the events. this started with enterprise rental car, I had a rental due to a damaging my car. The person 's insurance paid for the rental portion of the car in full. The only thing I was to pay for was a {$50.00} deposit. I contacted the bank after I noticed charges were put on my card from the rental car. i contacted them which was their main reservation department. I was told they would follow up never did. I contacted the bank disputed being overcharged. My act was credited for that amount. I was sent a letter stating the charges were accurate they would be reversing the charges. I then called ask that the investigation department contact me they would take the information tell me that it had to emailed they would contact me, that never happened I called on three different occasions. I eventually realized no one would ever contact me, so I did my own investigation. I went back to the enterprise office spoke with the manager he agreed I shouldn't be charged the insurance company paid the full balance of my rental. He creditied back my Navy federal card. I then call the bank and metioned this told them i got this done in less than ten minutes. Why weren't they able to resolve this? The investigators were supposed to be working on my case. However I aske that they remove the fees my account has accumulated because of this. The agent I was speaking with said she would remove two fees, I told her i would not accect that this could have been resolved months ago had they followed through, she again transferred me to the manager voicemial but of course no one has contacted me until this day. I want the fee removed from my account. They didn't do anything to help me as a customer of Navy Federal, I'm telling them this company charged me amounts they werent supposed too, If I would let it go my money would just be gone. Navy federal made no efffort to attempt to make sure I wasnt being overcharged, | ||||||
| 07/03/2015 | Yes |
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| I am joint owner on my XXXX year old daughter 's saving and checking account at Navy Federal Credit Union only for the purposes of assisting her when needing to handle transactions as it pertains to her college education. I found out today XXXX/XXXX/15 that this financial institution transferred {$470.00} from my personal account I have with them to my daughters overdrawn account. When I inquired as to the reason I was told that a signed disclosure justified the transfer. I have no issue with the signed disclosure. My issue as explained to the representative was the amount by which NFCU allowed my daughters account to become overdrawn by. The amount of money taken from my personal account to cover this overdrawn balance is a hefty amount for me and was to be used to pay my own personal obligations. I had my daughter pull up her account information and the account was allowed to go into overdrawn status since XXXX 2015 and with her working on a part time basis she paid for these discrepancies. The charges were for purchases she made in addition to a slew of overdraft protection fees that were allowed and charged. This current policy and procedure has impacted me today in a negative manner and had I not looked at my personal account when I did, I would not have had a clue the funds had been taken. My daughter has been taught how to properly maintain an account and knows if she does not have the money to do without. I say this because I want to make the point that parents do teach their young adults to be responsible but it is rather difficult when you have financial institutions who allow young adults to take that extra mile. What regulations are there if any that would protect the consumer by placing reasonable limits on the amount of allowable approved transactions on an account that is already in overdrawn status? I will be filing a second complaint regarding the same institution about a credit card that my daughter was allowed to open while having no job and being a XXXX student. | ||||||
| 03/04/2021 | Yes |
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Web | Older American |
| I was involved with a scam where a man, XXXX XXXX, somehow he gained access into my savings account where he took it upon himself to transfer {$16000.00} from my savings account to my checking account. I never willingly authorized him to transfer any of my money to any of my NFCU accounts. When I realized I had been involved in a scam I notified NFCU, after investigating my case, my funds were reinstated into my checking account. I waited for the " PENDING status to be removed ( thinking the money was " officially " reinstated to my checking account and then transferred the reinstated funds back to my savings account. In doing some online work a few weeks later, I realized NFCU had REMOVED EVERY BIT OF MONEY OUT OF MY CHECKING ACCOUNT without notifiying me that such action was going to take place, until AFTER THEY DID IT. I have bills on auto pay and of course they were rejected and I had to pay the ENTIRE quarter amount on those accounts because they were rejected due to insufficient funds. NFCU should have noted I had transferred the funds back to my savings account and removed the funds from that account, NOT leave me with XXXX dollars in my checking account ... not very professional. However more importantly they should have never reinstated my funds then just decide to take them back without warning or reason. I am a XXXX yr old female who XXXX XXXX and have been out of work for a year, due to the Covid-19 pandemic. I have significant XXXX issues as well as other medical issues and as of now a very limited income even with unemployment ..I feel like what NFCU did to me is just as criminal as what the criminal did! Reinstating my funds as they did, then just take it back without warning! It would appear to me a financial institution as wealthy and large as NFCU would not make decisions of this magnitude and then without notice decide to retract their decision without any explanation. I feel I deserve to have my money reinstated to my account based on their ORIGINAL decision. | ||||||
| 07/23/2020 | Yes |
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Web | |
| Navy Federal loan that I had for my home was paid in full. The company when contacted advised me that they billed me additional fees for paying off my home mortgage in full. I have contacted them several times as the company has refused to cash the bill pays sent to the company and XXXX took the action to stop the payment as Navy Federal had the check from bill pay. In order to get the mortgage paid in full payments were made to them via ACH. Navy Federal has been requested in writing that I am hereby demanding that my money due back to me for escrow and close my accounts with the bank. Navy Federal advised me that they will be charging me penalties for paying off the loan which I was advised I didn't have on this loan. Now on the phone it has come to my attention that the company has made a decision that was never disclosed to take money to payoff the mortgage. When I requested to know exactly what the amount they are charging me they said I would have to wait until they do all their back office charges against my account. The company is not being fair and honest with me as I have advised them that I want to close my accounts. Obtain my escrow money that they are retaining and along with that they are taking a position that they can charge me whatever they want for fees for paying off the loan. I need help as I have reviewed documents and it has no area that it states that I must pay for their back office activities and in a large amount. I have been clear that this is not fair and want the breakdown immediately. Their response was they will get it to me in 30 days or more when they get it done. I do not want to be a customer and they sent me a letter advising me that my escrow or overpayment would be deposited into the checking account that I presently have with them and have requested to have closed several times. They refuse to close the accounts and state that I must keep them. I do not see how this is fair and am asking for help to get paid the money that is overdue. | ||||||
| 01/07/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right. I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from Navy federal Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. Inquiry from Navy federal Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX & XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. Sincerely, XXXX XXXX XXXX : XX/XX/XXXX | ||||||
| 04/04/2022 | Yes |
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| Navy federal credit union has violated mutiple consumer rights and created a deceptive form to confuse consumers and undermine the laws put in place to protect consumers. FACT : On XX/XX/2022 I, XXXX XXXX initiated a consumer credit transaction with NAVY FEDERAL CREDIT UNION ( NFCU ) when I completed the credit application and gave NFCU my credit card and allowed them to extend me credit. FACT : On XX/XX/2022 NFCU defined the term amount financed as The amount of credit provided to you on your behalf which is not same definition used in the The Truth In Lending Act nor does it have the same meaning and it also implies that the credit I received was given/loaned to me by NFCU and not extended. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NAVY FEDERAL CREDIT UNION XXXX NFCU ) failed to disclose to me my right to request a written itemization of the amount financed in conjunction with the disclosure of the amount financed. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NFCU failed to disclose to me a statement indicating whether or not I'm entitled to a rebate of any finance charge upon refinancing or prepayment in full pursuant to acceleration. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NFCU defined the term total of payments as The amount you will have paid after you have made all payments as scheduled. Which is not the definition specified in The Truth In Lending Act nor does it have the same meaning. *reference [ EXHIBIT A ] FACT : I never borrowed nor was leant anything from NFCU FACT : NAVY FEDERAL CREDIT UNION has committed multiple violations of The Truth In Lending Act and created a deceptive form to undermine the federal laws put in place to protect consumers from abusive practices as such and to inform consumers of the actual cost of credit. *reference [ EXHIBIT A ] I, XXXX XXXX XXXX that all of the information provided herein, under the penalty of perjury that the information I so affirm to be true and accurate to the best of my ability and knowledge, so be it. | ||||||
| 03/08/2022 | Yes |
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| Back in XXXX I started the home mortgage application with Navy Federal after going under contract with the sell of my prior home that was also financed with Navy Federal. My home sale date was quickly approaching so I got a preapproval and submitted all my documents over to the credit union right away. After multiple follow up on my part and my agent I was told that if any issues arise before my XX/XX/XXXX closing date I would be contact well in advance. On closing day the everybody is prepared to close we are just waiting on closing instructions. That same representative who told me she would contact me if any issues arise would be the reason Im still without a home while she refused to admit her failure to provide a service for the customer. Here I was on closing day being told she not sure what happen. The rep had not referred my file over to processing so here I am without a home for the foreseeable future. Upset I took to social media to voice my displeasure which caused the rep to stop caring about the file all together. I was under the impression that I had been paired with a bad rep but the longer I continue in this process. I find Navy federal lack leadership. After multiple request from that reps supervisor I never received a call or email. I have sent emails to Navy Federal CEO XXXX XXXX with no response from her office either. I am in danger of losing the home which I did everything to secure because of navy federal negligence. I was forced to come out of pocket for a place and me and my belongings and when everybody at navy federal goes home after a long day I am still being forced to figure it out because of the negligence on Navy Federals part. It is a crime that this are the people who protect service members finances and secure home loan. How can a company provide sure poor quality service to the very people that protect them. I am still without a home I have to complain on social media to get a call with updates I have never had such bad service in my life. | ||||||
| 03/04/2019 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I logged on to my Navy Federal Credit Union ( NFCU ) app to check my account balance. Once in the app, I checked over the transactions and saw my husband 's paycheck for {$680.00} was deposited by his company as a credit on XX/XX/XXXX ; I also noticed a pending adjustment/debit for the same amount of his paycheck, {$680.00} that had already been taken out of our account. As soon as I saw this adjustment I contacted NFCU right away. I called in to the checking account inquiry line, who reviewed the account activity and said the adjustment/debit was for a credit card we had previously with their bank that needed to be paid. The representative then transferred me to the credit accounts and I spoke with a female representative there who stated they tried to contact my husband multiple times regarding payment, and because they were unable to speak to him regarding a payment, they debited our checking account for a payment. I then asked the representative if they were able to adjust the debit back in to our account, to which she told me no, they could only give us back {$100.00} of the debit due to non-payment, so they kept {$580.00}. I was very unhappy about this, but honestly, I dont know if there's anything I could have done to have them put the full amount of the debit back in to our account. I set up a weekly debit for the card account so they will receive a payment each week until its paid in full. My main grievance with NFCU is that they took my husband 's entire paycheck out of our checking account with NO NOTICE. Are they allowed to take the money out of our account like that?? I asked the representative, " how are we supposed to live until he gets paid again if you take out his entire paycheck? '' to which she had no response. I have been a NFCU member since XX/XX/XXXX, and have NEVER had any issues until now, but this issue is enough for me to consider closing my accounts with them. Can you please assist and advise me if NFCU 's actions were legal? | ||||||
| 12/30/2021 | Yes |
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| BEWARE! Navy Federal is attempting to pull off some VERY QUESTIONABLE and and UNETHICAL lending practices. I am completely frustrated with the method that NFCU has resorted to in regards to our home refinance.We began our home refinance with NFCU nearly 90 days ago and have expeditiously done everything required of us.We were offered a loan at 3.75 % interest with 85 % XXXX and XXXX points This was offered pending only the appraisal.The appraisal came back quite a bit higher ( unbeknownst to me at that time ) than was expected and with that news NFCU miraculously, that very same day, sent over updated terms that increased our interest to 4.25 % and decreased to 80 % our XXXX with points. They then would not release the appraisal value to view ( they held it in processing ) .Upon pushing back on this error/mistake/injustice I was apologized to and told it would be handled.I have been stonewalled and now just yesterday my appraisal was released for me to see and my original offer of 3.75 % /85 % XXXX is set to expire on XXXX XXXXI finally spoke to the underwriter yesterday. She requested updated paystubs and homeowners information. I sent it immediately, and she gave us new calculations, 3.25 % interest rate, 80 % XXXX with XXXX points. I told her that this was unacceptable, and furthermore because of the higher appraisal I would like more cash out. I have not heard back from her. I am deeply angered/frustrated that it seems that NFCU decided to renege on their original offer to me in an effort to capitalize on a higher than expected appraisal value and then they attempted to hide this fact from me until it was too late for them to fix.I do not deserve to be treated like this!! It is only fair that my original offer should be extended enough time to be able to process the paperwork and allow me to sign at 3.75 % with 85 %, XXXX points. I have already paid over {$500.00} for the appraisal, and allowed them to pull my credit, so I am very reluctant to go to another company. | ||||||
| 10/18/2022 | Yes |
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Web | Servicemember |
| My account was showing $ XXXX and a check was deposited im my account. This is truly the practices found to be unlawful by CFPB examiners in the areas of deposits. I have a message that the check was deposited XXXX22 yet its not showing in XXXX account and not even in pending deposits and 2 items was returned and more NSF added to my account. I wrote about this early this week because I deposited the check sunday in the atm and was not credited the {$250.00}. my insurance dropped my coverage because the transaction was declined. They will not reinstate my policy and now I have to find new auto insurance and qouted a way higher amount. the 2 items that was return XX/XX/2020 addind late fees and negative credit reporting. This is a major issue, also taking the last money that I had in my account to make a small partial payment to a NFCU credit card and previously taking it from my daughters account. it happened again with my XXXX mobile phone payment it was returned and now my payment history will be affected and phone was be cut off. Charging a reconnect fee each line, NSF fee and late from XXXX and the fee from NFCU. So thats over {$100.00} or more in fees because of NFCU. Plus the other 4 payments that was returned. Utility bills and credit cards etc. Not just NFCU fees. This is a major issue that is affecting my life. Predatory practices with NFCU credit cards. Ive experienced abusive lending practices with my credit cards with NFCU. Payments made to the my credit card accounts for over 2 years barely affected the balance. Payments that are late, NFCU will take unauthorized funds from my XXXX accounts. NFCU also withdrew unauthorized funds from my XXXX XXXX XXXX daughter XXXX account to make a payment as well. My daughter is a minor and not a authorized user or account owner. While making payments to get the outstanding balances down, NFCU unknowingly closed my credit card accounts. I was unaware until a transaction was declined while I was purchasing with a merchant. | ||||||
| 08/03/2021 | Yes |
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| I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. I the original creditor extended them credit and the alleged interest, and insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law 15 USC 1605. They have committed fraud and several violations of the FDCPA and TILA. I never received a Material Disclosure of any of the information about my right to recission pursuant to 15 USC 1635 that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail and i am now enforcing my rights to Cease and Desist Pursuant to federal law 15 USC 1692c. I've included documentary evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not responded to any of my affidavits of truth since XX/XX/XXXX and silence is acceptance, see National Union Fire Insurance Co. v. Ehrlich, 122 Misc. 682 ( N.Y. App. Div. 1924 ). My reputation has been damaged through the credit reporting agencies, this fraudulent loan raised my debt to income ration and i was turned downed for other consumer credit transactions because of this alleged debt on my consumer report. cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file. | ||||||
| 04/25/2022 | Yes |
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| I am having to deal with a Forced-Placed Mortgage at XXXX XXXX XXXX From XXXX, XXXX of this year. I was not aware that XXXX was purchased by XXXX XXXX and that my home owners policy would expire during this period of XXXX XXXX buying XXXX. I have been traveling to XXXX XXXX for work and this is XXXX of the main reasons I was not aware of policy termination from XXXX XXXX XXXX As soon as I was made aware of Home Owners Policy Cancellation, a new Home Owners Policy was purchased on XX/XX/XXXX for {$800.00} in annual premium. I was made aware by a written notice sent by Navy Federal Credit Union in late XXXX, with a notice to have proof of Home Owners Insurance on my home by Mid XXXX, XXXX. I met Navy Federal Credit Union request and sent them by email the Home Owners Declaration Policy. I have attached Navy Federal 's email response to my email to them. Nowhere in their electronic response was there a requirement for home owners insurance extending back to XXXX, XXXX and that is in fact illegal, to purchase insurance for a date in the past, unless I am mistaken. How am I supposed to provide Home Owner 's coverage for a time period that has already lapsed, legally? Also, how is it that Navy Federal is charging me for a Forced-Placed Insurance policy for dates when I already have coverage on my home. As Navy Federal is not allowed to purchase insurance for a time period that is past, either. This was a charge of {$520.00} and was paid from an Escrow Account that I closed or a new Escrow Account was opened. How is this being legally done by Navy Federal Credit Union? Opening a new Escrow Account that I am responsible for or reopening a closed Escrow Account without informing me and not receiving a verbal or written authorizatikn and date to move forward with this is FRAUD. Someone specifically at Navy Federal Credit Union needs to have a notice of fraudulent activity added to their personal file and their insurance/banking license entity informed of this fraudulent act. | ||||||
| 02/27/2022 | Yes |
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Web | Servicemember |
| On XXXX I went to visit Navy Federal Credit Union, in XXXX XXXX, TX, which I am a member of and have been a member of since XX/XX/XXXX. I went there to complete a cash advance, I am a XXXX Veteran and My XXXX goes into my external account. So every month I go to Navyfed to do the cash advance from my external account, XXXX and transfer my funds to Navyfed. I've been doing this kind of transaction for over a year now from the same account, using the same card without any issues, until yesterday. Navyfed only allows cash advances over the phone up to {$500.00}. Anything over that amount a member is required to come inside the branch to complete the transaction, because additional information and identification is required. Which I've always complied and understood. So, yesterday my transaction was denied after, I provided everything they asked, and the teller told me because certain identifiers could not be verified, therefore I could not use my card to the external account. I asked why not? When I've been using this card without any issues. I said where is the documentation stating the changes, she continued to say I can let you speak to my manager, I said that's fine. The manager said she would call her supervisor, they denied it saying Navyfed had taken losses from this kind of transaction with my external bank. I told them what does that have to do with me? Decline those members that have resulted to the bank taking loss. Not the members that's doing accurate and legal transactions. I asked for the corporate number, they called the branch to try to get more information and I asked them where is the notice about this change? They said they didn't have one. Well I'm Like that's kind of funny when the branch stated it was a valid policy change. And at this point I feel targeted. You can't just verbally make a policy change without the appropriate documentation. Then just expect bank members to abide by it. They ending results was that I was unable to transfer the funds. | ||||||
| 08/12/2022 | Yes |
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Web | Servicemember |
| XX/XX/XXXX a business partner stole my Navy Federal credit union credit card and made $ XXXX in unauthorized charges buying a truckload of inventory for her personal store. I contacted Navy Federal as soon as I found out. They said I didn't report the fraud in time. I filed a lawsuit against the person and won. But she can't/had n't made any payments. XX/XX/XXXX I contacted Navy Federal to once again try to be covered by my fraud protection now that I have a court order showing they were not my charges. Once again Navy Federal didnt care, and I'm still stuck paying {$300.00} a month on a card I didn't use. Navy Federal did how ever offer a payment reduction plan which I agreed to on all 3 of my cards. I had to do an application for all 3 cards which was time consuming and I was instructed not to make any payments until the application was approved which could be up to 30 days. Not even a week after applying Navy Federal collections department took payments from my savings account. I wasn't on ach and they hadn't contacted me that they were going to do this. I called the bank they apologized and v refunded the money. The payments caused the applications for my payment reduction to be thrown out the system. I had to reapply again. A week later... Same thing happened but on top of cancelling the apps and taking my money they reported all 3 cards 30 days late! During my 7 unit income property being refinanced. My score dropped over 80 points and I was denied a refinance..I spent hours on the phone the last 3 months with supervisors who promised to fix them. Now 6 months later they still haven't fixed anything. So I emailed 8 corporate officers including Navy Federal credit union legal team .. Not one person has called. except the cc collections people ... .I now have less then 2 months to save my life and refinance my only income over a banking error that the bank promised to fix but has not.. Causing me great stress, lose of sleep, little appetite, XXXX and more. | ||||||
| 02/06/2016 | Yes |
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| XXXX XXXX, XXXX FRAUD ALERT. Re : Respectfully Request an Investigation on the following : Failure to Disclose and Misrepresentation of Fact On XXXX XXXX, XXXX, I purchased a home and upon having the water turn on I was informed that the house is sitting on a Septic Tank. I contacted the XXXX XXXX XXXX XXXX and confirm the fact and emailed a diagram over where it is located The listing agent listed the property as public water and sewer. I had a certified inspector to come out that fail to inform me of the septic tank and my agent fail to do her job. I attempted to resend the sale and my credit union that is refusing to resend. In addition I did n't received paper work to resind the loan and my right to have the septic tank evaluation. I was defraud by my agent, the seller and the inspector. I believe that it is that there is something wrong with the septic tank and possible sitting on some sort of sink whole. A could cost from XXXX, I also discover that in XXXX, there was a {$13000.00}, insurance payout on the property. I also believe that listing agent possibly are selling these foreclosures with major home repairs and leaving the consumer with the bill and possibly foreclosure. In XXXX of XXXX, I live in a house where the septic tank back-up and sewage came back into the property my property was damaged and the landlord refuse to help me. I moved out and living with my sister to save to purchase a home. I contacted the Consumer Protection Bureau stated that I have three-years to resend the sale because I was n't in the disclosure papers. My agent text me and ask if I wanted to sell the home. I 'm XXXX and the happiest day of my life is now the saddest. I was scam Buyer Agent - XXXX XXXX XXXX XXXX XXXX - XXXX, GA XXXX XXXX XXXX Listing Agent/Broker XXXX Real Estate XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX - Certified Home Inspector XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Navy Federal CU - XXXX Property : XXXX XXXX XXXX XXXX XXXX, GA XXXX | ||||||
| 03/14/2023 | Yes |
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| Please refer to previous complaint : XXXX. My son 's Navy Federal Credit Union XXXX XXXX account was hacked and nearly {$9000.00} was stolen by person ( s ) unbeknownst to us. Regarding our previous complaint, Navy Federal 's " investigation '' of this event had gone on for a long period of time and our complaint was pertaining to not receiving any updates from Navy Federal. The previous complaint account was closed by CFPB on XXXX when Navy Federal responded that they were " still working on the issue. '' We finally received a decision from Navy Federal on XX/XX/ that they could not subtantiate that the money was fraudulently removed from the account and thus are holding us financially liable. I am co-owner of the account and neither me, my son nor anyone we know had anything to do with this theft. Navy Federal not being able to prove fraud is NOT the same as proving that we were responsible for this. Additionally, Navy Federal will not share any information regarding their " investigation '' without a subpeoena. We have contacted multiple organizations- Federal Trade Commission , Cyber crime unit of the FBI , and the National Credit Union Association and none of these organization has been able/willing to help us. I have also contacted multiple lawyers and have found no one willing to represent us. Navy Federal promotes a " Zero Liability '' provision for fraudulent activity on their accounts, and I feel that this should apply to us. At a minimum, since they are essentially stating we are guilty of stealing these funds, they should be required to share the information that they feel substantiates this. Otherwise this is analogous to being found guilty without due process. I am hoping that this could be further evaluated and feel that Navy Federal should be made to share their information that implicates us which will ultimately show that we were not found to have committed this crime. Thanks very much for your help with this most distressing matter. XXXX XXXX | ||||||
| 11/15/2023 | Yes |
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| Navy Federal Credit Union ( NFCU ) has been very unresponsive about my identity being stolen from one of their members and stealing my {$1500.00} of rent money. I found this out only by my landlord informing me that my rent was reversed by the bank on XX/XX/21, now I am being evicted. I notified the NFCU of this unauthorized dispute called in by the thief. The credit union failed to launch an initial investigation into the so-called dispute made by the criminal which worked out in his favor. He is a known thief according to XXXX. The representative claims the number on file came back undeliverable, but my email and mail address remained the same. The credit union never notified me by any other means that were at their fingertips, like address and email. The member went into my account after making the dispute and knowing it would trigger an automatic reversal somehow without any further questions. My rent money was put back in my account without my knowledge, and the thief immediately transferred the stolen funds in his NCFU account. The rep couldn't explain how a member was allowed to dispute a charge on my account without any initial investigation. NFCU have weak security measures that harm the members that are being served. She never stated what information is collected from a member to make any changes on an account. I still have not heard from security operation department as promised. The fraud doc was uploaded to my account while speaking to the rep on XXXX. I have filed a police report with RPD & FTC. As a victim of stolen identify, I feel like I am being penalized for a criminals activity. I am working my way up through the chain of command to get my money back to pay my rent ASAP. All the information of the wire/bank fraud has been established, but I am still getting excuses and no urgency to right this wrong. I want the money that was taken out my account fraudulently, sent back to the landlord with the same ease as the thief ability was to steal it. | ||||||
| 10/11/2023 | Yes |
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| I am writing to file a formal complaint against Navy Federal Credit Union, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. On XXXX I sent a written request toNavy Federal Credit Union, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Navy Federal Credit Union. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. I believe thatNavy Federal Credit Union 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. I request that the CFPB conducts a thorough investigation into the non-compliance of Navy Federal Credit Union with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Navy Federal Credit Union be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. Please consider this complaint as a formal request for investigation. I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. Thank you for your assistance in resolving this matter. | ||||||
| 12/07/2016 | Yes |
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| I applied for a mortgage loan through Navy Federal Credit Union. I received a preapproval, based on my current gross take home pay. I was then informed to find a home and place a contract. And that once the home was under contract I would then receive finally approval. I am self employed which I informed the bank up front, they requested my XXXX and XXXX for the past 2 yrs, which I sent over. I found a home in XXXX XXXX, 2016 and place a contract on the home. I spoke with the loan officer in XXXX to ensure that all of the documents that were needed to qualify they had. She ensured me of such. After I went under contract, paid for home appraisal, inspection, title search and survey. The bank had all the information need prior to requesting my tax returns to issue a letter of denial. They had my Federal Tax transcripts which are the exact same thing as my tax returns. They never requested my tax returns from me until that 8 days before closing. Federal tax transcripts are the exact same thing as my taxes. They are no different. At the time of them reviewing my tax transcripts, they should have issued me a loan denial. This was negligence on the banks behave. Three days prior to closing the bank sent me a denial letter! After myself and my Broker requested for the last 2 weeks prior to closing for them to respond with either a letter of commitment or denial, they waited until 3 days before closing to deny. They had received my tax transcripts and based on that alone they should have issued a letter to deny. But they did not! They continued to request further information, that had no bearing to change the fact that what was the income on my transcripts matched the income on my tax returns. As they are XXXX in the same! They knew XXXX2 weeks prior that they could not approve the loan and that is the time they should have sent out the denial letter. By the bank delaying their response placed me in breach of my contract in the purchase of the home, in the state of FL. | ||||||
| 08/09/2019 | Yes |
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| I was the victim of a scam as a student at XXXX University. The scam has been published all over the media. I ended up losing thousands of dollars and had my stipend, earnings, and scholarship from me. I was explaining to Navy Federal that the reason I have a late payment is because of this scam. Typically when incidents like this happen companies are willing to waive the late payment reporting. Navy Federal has refused to cooperate with me. They actually have been terrible. For 5-6 Years I have made payments on time. When I talk to their customer service all I get is this response which does not help me resolve my problem. Navy Federal should be helping trying to get this late payment removed. I was the victim of a scam and had to change my checking account information to avoid having my money taken from me as well. See below. I also did not get my bill. was also told by their collections department that I would not be reported late if I paid before sixty days. I am also writing this goodwill gesture letter. To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment. I want you to know that I understand my financial obligations, and if it werent for XXXX university fraud scam Id have an excellent repayment record. I made a mistake in falling behind, but since then everything has been paid. Since then, Ive had a spotless record of on-time payments. Im planning to apply for auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment. Thank you for your consideration, and I hope youll approve my request. Best, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX | ||||||
| 05/18/2023 | Yes |
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| During a period I was XXXX my phone was stolen which all my financial information was stored in and used for a number of unauthorized transactions. I tried to resolve the matter by calling the merchants in which they advised me to contact. My financial institution. I found a formal dispute will navy federal then then after the investigation I filed several appeals but still wasn't granted a refund. Due to the matter it placed me in a real bad financial hardship situation. The dates and times that is took place are as follows : XX/XX/22 The Amount of {$13.00} XX/XX/22 the amount of a {$100.00}, XX/XX/22 the amount of {$440.00}, XX/XX/22 the amount of {$2.00}, XX/XX/22 the amount of {$14.00}, XX/XX/22 the amount of {$18.00}! XX/XX/22 the amount of {$230.00}, XX/XX/22 the amount of {$390.00}! XX/XX/22 the amount of {$260.00}, XX/XX/22 the amount of {$17.00}, XX/XX/22 the amount of {$18.00}, XX/XX/22 the Amount of {$35.00}, XX/XX/22 the amount of {$53.00}, XX/XX/22 the amount of a {$100.00}, XX/XX/22 the amount of {$16.00}, XX/XX/22 the amount of {$20.00}, XX/XX/22 the amount of {$40.00}, XX/XX/22 the amount of {$53.00}, XX/XX/22 the amount of {$69.00}, XX/XX/22 the amount of a {$130.00}, XX/XX/22 the amount of {$180.00}, XX/XX/22 the amount of {$350.00}, XX/XX/22 the amount of {$18.00}, On XX/XX/22 the amount of {$71.00}, XX/XX/22 the amount of {$11.00}, XX/XX/22 the amount of {$110.00} on XX/XX/22, the amount of {$400.00}, On XX/XX/22 the amount of {$1.00}, XX/XX/22 the amount of {$200.00}, on XX/XX/22 the amount of {$10.00}, On XX/XX/22 the amount Of {$1.00}, On XX/XX/22 the amount of {$980.00}, on XX/XX/22 the amount of {$24.00} on XX/XX/22 {$23.00}, XX/XX/22 the amount of {$1.00} on XX/XX/22 the amount of {$1.00}, XX/XX/22 the amount of {$4.00}, XX/XX/22 the amount of {$16.00} XX/XX/22 the amount of {$27.00}, XX/XX/22 the amount of {$80.00} these dates and amounts reflects 2 different checking accounts both within Navy Federal. Acct # XXXX and acct # XXXX | ||||||
| 07/24/2020 | Yes |
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| On XX/XX/XXXX, I called Navy Federal Credit to inquire about refinancing my mortgage and to take cash out. After the loan officer excepted the information and completed the application via phone ; I informed the Loan Officer not to submit the application until notified due to a dispute on my credit file and one that the Department of Insurance , Securities, and Banking is working to resolve. On XXXX XXXX or XXXX, XXXX, I received a letter from Navy Federal Credit Union indicating that my loan was denied for the following reasons : 1 ) insufficient income, and 2 ) a delinquent account that is more than 8 years old and was disrupted. Navy Federal Credit Union never verified my income because I never provided proof of said income but I did grant permission to pull my credit report at a fee of {$19.00}. Please help me to understand why the Navy Federal Credit Union submitted my application without my permission. ( Please feel free to ask Navy Federal Credit Union for the recording of the transaction ) Around the week of XX/XX/XXXX, I called Navy Federal Credit Union to inquire about why they submitted my application without my permissions and I was transferred to a supervisor where I left a message and as fo date ( XX/XX/XXXX ), I have not heard from the said supervisor. However, I did receive an invite to complete my application online on XX/XX/XXXX, at XXXX XXXX. Additionally, after I had been granted pre-approval from XXXX XXXX to purchase a car ( XX/XX/XXXX ) and attempted to complete my Navy Federal Credit Union Mortgage Application, I made a decision not to submit my mortgage application to Navy Federal because " they " continue to deny me credit even for a car loan. This organization lending practices appear to be impartial and should be investigated. I will close my account with Navy Federal Credit Union in the future in order to continue my banking relationship with XXXX XXXX XXXX who appears to be inclusive in lending to communities of XXXX. Thanks | ||||||
| 04/13/2020 | Yes |
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Web | Servicemember |
| I began working with Navy Federal Credit Union on refinancing my mortgage loan in early XX/XX/2019. They delayed processing and acceptance through most of XXXX, XXXX, and XXXX. After working with them to collect needed documentation in early XXXX, documentation which they demanded be provided within 1-2 business days or they would close my loan which presumably would mean they'd make me wait 3 more months. In XXXX they provided loan estimates of 3.6 %, and then raised that estimate later in XXXX and XXXX without proper notice. The bank would regularly send paperwork and then let it expire over and over ; due to their massive backlog processing delays, so paperwork updates were routine and gave me no reason to suspect a change that was adverse to my loan or finances. After no notice through most of XXXX following assignment of title company, I called on XX/XX/XXXX asking for an update on my loan schedule as well as requesting an understanding of the current rates and received no updates until XXXX XXXX when I was issued a closing date by email. When I received my paperwork for that loan, the rate had been increased to XXXX above what I had received in prior estimates. Navy federal delayed for 4-5 months, changed processor contacts, demanded immediate action during sporadic moments of time in order to keep my loan application from further delays and then raised my rates at the last minute without proper notification. I am attaching PDFs of our email conversation threads highlighting weeks of delays and rushed demands from the bank. I am also including a screenshot of the document delivery notifications that were sent almost daily to my email inbox and that I was instructed to ignore since they were a result of the bank working around their own rules to deal with their backlog. This document delivery noise further confused and interrupted any reasonable expectation of notification they may provide, especially when the bank told me I am to ignore them. | ||||||
| 04/24/2023 | Yes |
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Web | Servicemember |
| Good evening, So on the morning of XX/XX/2023. I got separated from my friends on XXXX XXXX in XXXX XXXX. We all been drinking and towards the end of the night I tell them Im about to grab pizza right quick. XXXX XXXX later they are no where to been found. Im running down XXXX XXXX and I get called over by XXXX female in a car. They are trying to help me so I get in the car. I know that was pretty stupid but understand I was under the influence and I trusted them at the moment. Im on the phone with my friend and she is like I cant hear him give me the phone. She gets the phone drives in a square and says okay we are the location of your friends. I quickly get out the car without grabbing my phone and after a couple minutes of looking she was gone with my phone. Now Im in XXXX XXXX at like XXXX in the morning and Im stranded with no where to go. I do not know the duty phone because I just check into the unit. So the last thing going through my head is freezing my accounts. My main priority is to get home safely. So I manage to ask another stranger around the block to call me an XXXX. I get in the XXXX and I get home. The next day I dont have my phone and my keys are in the same friend car that left me. I manage to contact him through my computer and he comes over. We go to the nearest XXXX XXXX XXXX store and I get a new phone. Im trying to log into my apple account but the password has been changed and the verification phone number has been changed as well. I eventually go home after trying for 2 hours and I realize I need to check my account. I download navy federal and I finally get into my account after XXXX hours. I find over {$8000.00} was spent between my two credit cards, my savings, and checking account. I immediately call navy federal to submit my fraud claim. They also manage to change my code word as well. As of now my fraud claim have been denied. I have read online that other people have trouble with navy federal in regards of fraud claim. | ||||||
| 07/07/2022 | Yes |
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| A fraudulent credit card account was opened in my name on XX/XX/2022 with Navy Federal Credit Union, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( XXXX, XXXX, and XXXX ) in XX/XX/2022. I also called to report it to Navy Federal Credit Union on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. The credit agencies responded to the disputes indicating they had reached out to Navy Federal and confirmed the account, and Navy Federal would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. Since reporting to Navy Federal Credit Union on XX/XX/XXXX ( 65 days ago ), I have called Navy Federal at least 5 times to request an update, and at least three of those times, I have waited on hold for over 2 hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. Since Navy Federal has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold. | ||||||
| 10/23/2023 | Yes |
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| I've been trying to re-establish my personal credit profile account by means of clearing of all the listed unauthorized charge offs on the account. The Debt that is under my name and credit profile is not my debt, as has sold and sent to a ( n ) debt collections company, therefor is automatically considered fraud As I'm the Original Creditor, there shall not be any means or reasons for me personally to have to pay back a balance that is already owed to me, according to Title 15 USC 1666d ( a ) ( b ) ( c ) - Treatment of Credit Balances. I have already attempted to remove the charged-off accounts on my profile before, through the CFPB, however there has been nothing done on the other end to remove these closed accounts from my credit profile so that I can then extend my credit as a consumer and creditor. Any attempted action or act to hold me up from my rights to exercise credit is unlawful, unjust and unfair. It is also brought to my attention while checking my personal credit profile that there are allegedly " late payments, '' however, late payments are illegal and also shall not affect the creditor/consumer for any means or by any means necessary, according to Title 15 USC 6802 - Obligations with respect to Disclosure of Personal Information, stating that a financial institution may not disclose nonpublic personal information to any nonaffiliated third party. In this case, the listed banking institute ( Navy Federal Credit Union ) has already sold the debt ( that originally is not owed by me in the first place, as I'm the Creditor ) to a third party debt collections institution, really making it illegal for me to have any obligation to this, and additionally I should not still be seeing these charge off accounts on my credit profile with late payments posted next to it. I should not have any, of this showing on my public records, that is, on my public profile. Therefore, I request that this all gets cleared by means of removal from my credit profile. | ||||||
| 06/08/2017 | Yes |
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Web | Servicemember |
| Good afternoon, I need your assistance please, I 've tried in good faith to dispute and request a refund for the faulty workmanship, substandard shoes and not the shoe size I ordered and I 'm unable to wear. I purchased two pair of shoes from XXXX in XXXX 2016, the shoes appear to have been made in a substandard factory still reeking of a horrible smell and the appearance of grease ( pictures attached ). It took approximately one month later for me to receive my order, I began initiating correspondence to them approximately two weeks after processing my order. After receiving the shoes, I attempted to resolve the dispute prior to engaging my bank. XXXX offered to refund only {$15.00} and later {$30.00}, which both were unacceptable for a {$150.00} purchase. I later contacted XXXX and I could not reach a resolution. XXXX determined that I was eligible for a refund ; however, I would need to return the shoes to do so. The cost to return these shoes to XXXX was {$170.00} more that the amount I had paid for the initial purchase - which was not an economically wise and equitable decision. I contact and submitted all required documents requested for the credit union representative. I later learned from another Navy Federal representative that the time to process a refund had expired. After failed attempts to resolve the matter with XXXX, XXXX and Navy Federal I found your information to file a claim. It 's so upsetting for a company - XXXX to attempt to defraud me. After submitting my payment and not receiving my shoes timely, I began researching the company and noticed a number of unsatisfactory customer complaints. It is my personal opinion that this customer is defrauding others as well. There are no derogatory complaints on their website but noted on many other sites. I am hard working mother of XXXX and do not have money to give to anyone. Please assist me with obtaining my money for this fraudulent issue. XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 04/28/2017 | Yes |
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| This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by XXXX & XXXX . This is preventing me from communicating with other financial institutions.I 've advised XXXX XXXX XXXX XXXX this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the XXXX XXXX XXXX XXXX account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap. The investigation was opened XXXX with XXXX XXXX XXXX XXXX and still has yet to be assigned t o an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told 14-21 days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoev er noted my account from the check fraud department dated today XXXX was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits. | ||||||
| 01/12/2022 | Yes |
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Web | Servicemember |
| I was looking for a car to replace my elderly mothers death trap of a car for her birthday. I applied for a pre-approval of {$20000.00} on Navy federal credit union. I have excellent credit, XXXX and on XXXX. My only income is from veterans disability, which is more than adequate to pay all my obligations. I got the approval on XX/XX/2022, I immediately drove XXXX miles one way to the closest branch to get the check. Check in hand I find a used car on XXXX for {$14000.00}, I get the VIN and do a XXXX value check. The price came out to match, so I made an offer, did all the paperwork and scheduled a delivery for XXXX XXXX XX/XX/2022. The whole cost was way below my {$20000.00} cap. Delivery day and its XXXX pm, I call to ask wheres the car? They gave me the runaround after calling 20 different people, only to find out that navy federal had denied the check. I call navy federal and they denied it because they said the value to price was below because they didnt use KBB they used XXXX XXXX which said it was thousands cheaper, it was for my protection, not that getting blindsided emotionally distressed and nearly put into a blind rage because they felt this was a bad deal and didnt have the ethics to let me know that because they chose a different guidebook and used it as absolute, over doing an average and honoring the approval check. I now have to use the XXXX finance with higher interest, and jump through all the hoops along with the embarrassing ordeal of having to go through the process all over, the time wasted, sleep deprivation caused by such cowardly disgusting disrespectful conduct! They literally made my XXXX and XXXX XXXX skyrocket in just seconds. Its traumatizing on its own! By only using the lowest guidebook as absolute instead of doing an average of the three, literally makes getting a used car absolutely impossible! These are price guides not absolute price books. This whole interaction was unethical and absolutely unprofessional. | ||||||
| 05/21/2020 | Yes |
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Web | Servicemember |
| My husband and I applied for a VA mortgage refinance through Navy federal Credit Union on XX/XX/XXXX. My husband and I wanted to take advantage of the lower rates given all of the economic uncertainty created by the pandemic. After we applied we promptly submitted all paperwork by XX/XX/XXXX and were told to await processing but that it could be up to 6 months due to high application volume. I called again XX/XX/XXXX to ensure they had everything they needed from us and see if there were any updates on our application. They had no updates for me and told me to continue to wait patiently. I had our fourth baby XX/XX/XXXX. So, I didnt call again and continued to wait until XXXX. On XX/XX/XXXX I called to check on the status and was told our application was denied because they found no mortgage even though my submitted paperwork was still in processing according to their system. We also never received one call or letter from their loan processing department. The representative I spoke to couldnt make any sense of this and said he had never seen something like this before. He connected me to the loan processors voicemail so I could leave a message but he was unable to provide me any further details. I left her a message and waited a week but received no call back. I called again today, XX/XX/XXXX to which I got the same information and was transferred to her voicemail again. I spent over 40 minutes on the phone trying to get someone who could give me any answers today. Im now waiting for another call back that Im not expecting to actually receive. Considering the current economic climate and the ongoing pandemic we are relying on this application to be honored and processed correctly. We had a locked in rate from XX/XX/XXXX that we need honored. We 100 % qualify for this refinance and would like Navy Federal to do their job correctly and stand by veterans, especially during this unprecedented time. Could you please look into this for us and help us? | ||||||
| 04/28/2020 | Yes |
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| This company which I have NO CONTRACT with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice should you fail to provide us with a copy of our agreement and provide a persons name that we can communicate with then we will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with Fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record correct or correct such record where a defect is found. | ||||||
| 05/12/2016 | Yes |
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| Navy Federal allows real-time transfers from XXXX account to the other. Savings to checking and vice versa is essentially real-time. When making transfers from XXXX to a credit card, it is not real-time. WHY?! I made a {$500.00} transfer on a Friday from savings to my credit card. The funds were immediately withdrawn from the savings but not posted to the credit card. How can some transfers be real-time and others not in the same system. It seems to me that for credit cards transfers that this " Delayed posting '' is a selected specific system setting. I have memberships at several other credit unions ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX and all of those XXXX are significantly smaller in asset size than Navy Fed and they ALL allow real-time posting on ALL products. My complaint is that when Navy does this, funds are removed from my savings account where I begin losing interest immediately yet the post is delayed to the credit card where I am still being charged interest on my balance! If the funds are removed from my savings and not posted to another product, where are they? They seems to be in a " virtual '' status where Navy is not paying interest on those funds and still charging interest on the other account balance. If much smaller institutions have real-time transfers then the largest credit union in the world should as well especially if they have this on other products. If they are doing this to me then what are they essentially earning on those virtual funds when this happens to possibly XXXX of members monthly! When this delay occurs on a long holiday weekend, which becomes a delay from Friday night until the funds are finally posted to the credit card during their " end-of-day '' processing on Tuesday! In short, that is a ton of interest that members are losing and Navy is earning. It almost amounts to double-dipping ; not paying interest on funds they are holding and still charging interest on the credit card balances. | ||||||
| 03/12/2023 | Yes |
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Web | Servicemember |
| I am respectfully taking this measure due to Navy Federal Credit Union not taking a closer look into my dispute filed with them on multiple avenues via : ( them the creditor, XXXX XXXX XXXX, and all 3 credit bureaus ). I was wrongfully accused of a charge off and late payments on my account and they have negatively impacted my reputation and ability to pursue a deserved job opportunity. XXXX / XXXX XXXX : Partial loan payments made, not ignored. Covid-19 delayed work license upgrade classes pushing my back to work date by over 6 months. Spoke to Navy FederaXXXX XXXX XXXX and they understood my situation and told me directly on the phone and in letter attached they could work with me on payments. Was told on phone a good will deletion of late payments can occur because my circumstances were Covid-19 related. Was told on phone no charge off or missed payment stains would impact my credit report, because this was Covid-19 related and I was making as much payment as I could ( {$500.00} payment, {$50.00}, {$300.00} even {$2000.00} to catch up the dates are truthful examples attached in files ). XX/XX/XXXX Maturity Date Email sent to XXXX stating student loan account ending in XXXX is maturing soon and is to be paid off by XX/XX/XXXX. No mention of charge off or late payment consequences. My budget was now set to pay loan off early by XX/XX/XXXX. On XX/XX/XXXX I showed up to local Navy Federal Credit Union branch near XXXX, TX and paid the loan off a whole week early in full in cash of {$5000.00} Credit reports are now reflecting charge off and late payments on this particular account. The account was undeniably paid in full on time ( early ) and never charged off for the creditors IRS tax write off and into another collection agency. Under my signed and disclosing loan agreement I have the legal right to exercise and mitigate any negative times in relation to the loan which does include inaccurate defaulting/ charging off of the account. | ||||||
| 11/03/2019 | Yes |
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| Beginning last XX/XX/XXXX, I began the process of looking into either a standard refinance or a partial cash out refinance with Navy Federal Credit Union. I used their portal, and after receiving the estimates of what payments and APR would be authorized and paid for a credit report. That began a nightmare odyssey for me and my wife. They have now had our credit reports done 4 separate times by them, the MLS agent responsible for us dissappeared for weeks or months with no returned phone calls. I had authorized them to have access to my accounts for verification purposes, but after over a month of no contact I wrote them and revoked in writing that access. Yet every day I am notified of them accessing my accounts including my government pension account from when I was a prosecutor. About a month ago I received a call from them, ( new agent ) saying that they had messed up one our social security numbers and needed to run credit again. I asked for what, he told he it was for a product that we were not even applying for. They have damaged my credit, they have and are continuing to, in violation of state law, invading my privacy by accessing my accounts. Then today I received a note from them that we were being denied credit from them for not providing information, yet we WERE NOT applying for a product and had told them multiple times to shut it down. There was a brief moment, after 7 documented un returned phone calls, 3 electronic reach outs, where we were able to connect with XXXX XXXX, NMLS # XXXX. She was supposed to righting the ship. However it nearly 7 weeks later when another agent called to offer us another product. XXXX then failed to return multiple phone calls. So to receive this letter and to continually see my accounts being accessed, feels very wrong and I am asking for help. Navy Federal 's response to me has been they are inidated with a large amount of applicants. That's not an excuse. Please help. Thank you- | ||||||
| 05/12/2023 | Yes |
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Web | Servicemember |
| I deposited a check in to my business account with navy federal credit union on XX/XX/2023, immediately my account was restricted, I was able to call on the following business day where I was told that the check I deposited was suspected to be fraudulent or likely to be returned and after a 30 minute interrogation about the check. I was told that my business account would be permanently restricted. A week following this call I went into a branch to withdraw the funds available since I was told I would no longer be able to bank with navy federal credit union, I was turned away by the teller who called in about the release of my funds. So I called customer service and stayed on the phone an hour outside the bank. I was told by a representative over the phone who had also reached out to security team, that I should be clear to withdraw funds. I walk back into the bank and ask for the branch manager, informed her of what had taken place and I was still on the phone with the representative. The manager was asking security to leave a note on the account saying I was clear to withdraw funds. To which the security representative that was contacted replied that he was not able to notate the account. The branch representative then asked me to ask the representative over the phone to instant message her directly cutting me out of the communication. After the exchange then a note from security was place on the account stating that I could not withdraw funds. It is now XXXX and I have called several times to navy federal credit union customer service number and have been denied the right to speak to someone in security. I was told the first time that the check was still being investigated and then that changed into being told that I need to file an appeal for access to my account. I dont want access to or to back with this institution anymore but I would like right to withdraw my funds as it is starting to affect my business not having access to my money. | ||||||
| 04/14/2023 | Yes |
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| STATUS Navy Federal made this response about the improper use of my information on XX/XX/XXXX. Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of Navy FederXXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show that our member established the following Navy Federal accounts : a credit card account ending in XXXX on XXXX XX/XX/XXXX, a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX, a credit card account ending in XXXX on XXXX XX/XX/XXXX and a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX. These are valid debts and XXXX XXXX remains responsible for their repayment. As noted in the Navy Federal Important Disclosures, which may be viewed at navyfederal.org, we may report information about accounts to the credit reporting agencies. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX Navy Federal loan and credit card accounts. We will not request the removal of valid data from his s credit file. Should XXXX XXXX have any questions, he may contact us toll-free anytime at XXXX ( XXXX ). I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. XXXX XXXX gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want use to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies. Please stop reporting my auto loans, inquiries, credit cards, or anything else. | ||||||
| 08/25/2016 | Yes |
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| I was released from my teniored job last year and informed Navy Federal. I continued to make payments throughout this year as I could. I was then referred to a special collections department who allowed me to make small payments to show effort until my full time job started at the end of XXXX. My collections specialist XXXX XXXX was in an accident and a schedule check payment was unable to be stopped but was rectified by an ACH transfer later that week before the returned check. On XXXX XXXX our account was placed for repossession and picked up the same night. Tuesday we called into Navy Federal and they explained it was because of bounced payment checks after having our Collections Rep explain the accidental submittal we were directed to another department. That department is Fiance Management. An agent by the name of XXXX ( only XXXX she said in department ) took an application for deferment through XXXX XXXX 2016. We accepted the terms and awaited the Repossession division of Navy Fed to send a release so we can pick up our car at XXXX XXXX XXXX. Two days have passed and they refuse phone calls or to provide documentation of said agreement. The repossession department has told the XXXX XXXX not to even speak to my fianc that I had relinquished rights to speak on my account on every occasion and that they are refusing to release the car even with the deferrement showing a zero balance due and only the repossession fees to be paid at the XXXX XXXX. It is my belief they are intentionally holding my vehicle to either remand custody or to rack up fees as punishment as they have continually reprimanded me as if I was their child and dehumanizing me with their lack of action. I rely on this car and have been very corporative through the whole process even before the repossession. No one at Navy Federal says they have authority to protect my consumer rights I just have to wait it out. This is inexcusable and has put my family in a downward spiral. | ||||||
| 05/05/2020 | Yes |
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| I hereby declare that the following is true and fact : The Navy Federal investigators determination regarding the herein referenced dispute, filed on XX/XX/XXXX, and the Merchants claims of a purported debt appears to be founded upon a false record, in violation of U.S.C Title 18 2071 and 2073 and further ; uttering and possessing false obligations and in violation of U.S.C Title 18 -471,472,473 and or 513, and further using XXXX business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq. I hereby declare that the disputed charge of {$1500.00} is a fraudulent charge. I hereby declare that no valid Bill of Sale exists which obligate me to pay XXXX XXXX XXXX anything. I hereby declare protest and appeal to Navy Federal Credit Unions prejudicial claim determination regarding this matter. I hereby declare that Navy Federal Credit Union is willfully conspiring with XXXX XXXX XXXX to charge my account in the amount of {$1500.00}. I hereby declare that Navy Federal Credit Union or its claims investigators are not in receipt of any verified evidence which prove that XXXX XXXX XXXX ( merchant ) has a right to charge my account. I hereby declare that the all evidence or proof used by XXXX XXXX XXXX pertaining to this matter are void and or misrepresented. I hereby declare that I intend to sue Navy Federal Credit Union for the prejudicial decision of its claims investigators who have violated my reserved rights by allowing fraudulent charges on my account. I hereby declare that Navy Federal Credit Union willfully refuse to provide me with all accounting papers and documents used to determine my claim as requested. I hereby declare that because I have filed previous dispute ( s ) unrelated to this matter, Navy Federal Credit Union is discriminating against me regarding this matter. | ||||||
| 09/14/2017 | Yes |
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| I have had numerous issues with my account since its inception ranging from incorrect account information ( I have been placed on several accounts by NFCU reps. ) to inaccurate information about fees and charges. Prior to the hurricane Irma I had charges on my account of {$79.00} which I did not make which placed a domino effect on my account. On yesterday XXXX/XXXX/XXXX I contacted customer service per two pending payrolls that I saw per my NFCU app one was for {$4000.00} which is from my work direct deposit and the other for {$270.00} which is my XXXX daughter child support. I requested that the funds be released to me early due tot eh storm Irma 's impact on my personally which I was advised that if the funds were released to me early it would place my account into the negative. At this time there were already numerous {$29.00} return check fees on my account which amassed during the storm and my inability for deposits to occur since there is no branch of Navy Federal in XXXX XXXX XXXX FL. {$1000.00} of my money was released on yesterday and I ask if there were any other pending incoming charges which would result in fees and I was told " no '' this was not the case but this morning while logging on to my account additional items were indeed presented which normally occur on automatic draft around the XXXX of the month and these resulted in additional fees from Navy Federal. This could have been prevented with the full release of my funds as requested. Additionally, I was told that my child support funds could not be released on yesterday but they were placed into my account and dissolved ( which should not have occurred ) on top of the {$1000.00} I placed int he account on yesterday to resolve any negative balance due to fees and overdraft which i have approved on my account to occur up to $ 500.As a victim of Hurricane Irma, a single parent with a disable child this matter is placing undue financial hardship and emotional stress on me. | ||||||
| 08/12/2017 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union ( NFCU ) still has not validated the debt that they believe I allegedly owe. I attached a document of proof with this complaint. One or more of these deposits were stolen from my account by NFCU when NFCU restricted my account. When validating the debt, NFCU needs to explain where those deposits went. Also, NFCU continues to report unwarranted/ inaccurate, negative, defaming and derogatory information on my major credit reports. I have continuously asked them to remove the information but to no avail. Another complaint here is that Navy Federal Credit Union ( NFCU ) still has not paid me redress for illegally restricting my accounts during XXXX-XXXX in accordance with File No. XXXXXXXX-XXXX. I ask again that NFCU remove all inaccurate, negative entries from all credit reporting agencies for reasons stated below : NFCU unfairly restricted access to my accounts. By NFCU restricting access to my accounts, I did not have the same opportunities as other NFCU members to view, update, and address fees that may have been applied to my account. As such, any fees or late notices that were applied to my NFCU accounts during this time should not have any bearing. This includes all late entries and charge-offs on all of my NFCU accounts that are currently documented with all major credit reporting agencies. Also, NFCU stole my VA XXXX payments that were given to me by recurring, automated deposits. NFCU used it to pay on credit card debt without my permission. I could not stop the automated payments because ( 1 ) my account was restricted so I could not transfer the money out of my account and ( 2 ) because it takes/took two months from the time the VA was notified to stop recurring payments from going to my account and switch it to another. According to the Department of the Treasury, taking any VA XXXX XXXX from a XXXX is illegal. For redress, I simply ask that NFCU remove all negative entries from all my major credit reports. | ||||||
| 06/30/2015 | Yes |
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Web | |
| Navy Federal Credit Unionsays I owe them money but will not show me any account documents, wont send them to my only known address, Our LAW FIRM sent NFCU and XXXX & XXXX Affidavits stating XXXX XXXX XXXX XXXX address at XXXX XXXX XXXX XXXX XXXX WA XXXX and no other. NFCU continues to LIE and comitt criminal activity, their phone number NFCU 's XXXX is always busy and NFCU is rude and refuses to address this issue. If the accounts of service members are being compromised then this is a national security issue. At the very least their should be correspondence from NFCU to XXXX XXXX XXXX XXXX, there is NOT! Please understand that this needs to be turned over to the Department of JUSTICE for continued criminal investigation. MORE DATA BELOWResponse disputedXXXX said : Explanation of closureXXXX has reviewed the complaint and its records. The disputed address XXXX XXXX XXXX XXXX has been deleted and the disputed Navy FCU XXXX is currently not reporting on the XXXX credit file. ReliefThe disputed address has been deleted. ResponseXXXX reviewed the complaint, its records and initiated a reinvestigation. *XXXX did not receive any additional communications from the consumer during the review of the complaint. *XXXX will mail the results of the reinvestigation within XXXX days. WHAT HAPPENEDProduct Credit reportingIssue Credit monitoring or identity protection : Problem with fraud alerts ( initial 90-day, extended, active duty, etc. ) Describe what happened so we can understand the issue ... Identity Thief tried to establish a Navy Federal Credit Union AccountThe Identity Thief 's address isCurrent/Previous Street Address Date Reported TelephoneCurrent XXXX XXXX XXXX XXXX, FL XXXX First Reported XXXX/2015Last Reported XXXX/XXXX/2015 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -for which I notified the Criminal Division & Civil Rights Divisions in the Dept of JUSTICE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | ||||||
| 04/06/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I placed an order for 6 dresses to XXXX via XXXX, with payment made via XXXX. - On or around XX/XX/XXXX, the dresses arrived and I discovered that they were knockoffs. -On or around XX/XX/XXXX, I submitted a return ticket to XXXX via XXXX, which was within a week of receipt of the merchandise. -On XX/XX/XXXX, XXXX approved the return. -On XX/XX/XXXX, I filed a dispute with Navy Federal Credit Union regarding the knockoff dresses not being as advertised and a failure of XXXX to provide me a US return shipping label despite the merchandise being mailed from a US Warehouse . -On or around XX/XX/XXXX, Navy Federal Credit Union issued me a temporary credit in the amount of {$240.00}. -On or around XX/XX/XXXX, XXXX resolved the case in my favor and refunded {$240.00} to my bank ( per email attached ). -On or around XX/XX/XXXX, I sent proof of return of the XXXX merchandise to XXXX for the dispute case as I was unaware that XXXX refunded my money. -On or around XX/XX/XXXX XXXX XXXX reversed the {$240.00} credit to my account charging me for the knockoff dresses that I had returned. -On XX/XX/XXXX XXXX confirmed that the XXXX refunded the {$240.00} back to my bank. ( See attached email ) -On XX/XX/XXXX I was on a 3-way phone call with XXXX and NFCU and XXXX insists that theyve refunded {$240.00} back to NFCU on XX/XX/XXXX. XXXX sent an email confirmation to confirm that the {$240.00} was refunded back to NFCU. Style We also confirmed that the {$240.00} was sent back to NFCU. -Navy Federal Credit Union is citing that I did not send back the knockoff dresses within a week ( despite me informing NFCU that XXXX hadnt provided me a viable return address ) so my claim was denied and is refusing to refund me for the knockoff dresses that I returned. -Navy Federal Credit Union has charged me for merchandise that has been returned and refused to refund the {$240.00} charge + interest despite the bank having been refunded the money. | ||||||
| 10/28/2023 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Navy Federal Credit Union to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Navy Federal Credit Union did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking Navy Federal Credit Union to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, etc... This notice is pursuant to 15 USC 1692 ( c ). The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00} for each violation listed. | ||||||
| 05/25/2021 | Yes |
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| Navy Federal Credit Union Literally charge me more than my rent in overdraft and returned check fees ( EVERY MONTH ) My account never ever dips negative, however they still charges me because they post their transactions the in the order they want so they intentionally be able to charge to predatory fees. They caused too many transaction to bounce just because i wake up almost every monday and i find 4x ( {$29.00} returned check fee ) and my balance can cover 4 of them, when i call they said the balance is not posted yet which makes me crazy because i can go to an ATM and take it all out. Here 's a list of overdraft fees charged by navy federal just in the last couple month equaling {$500.00} XX/XX/2021 Overdraft Protection Fee Debit - {$40.00} - {$540.00} XX/XX/2021 Overdraft Protection Fee Debit - {$40.00} - {$520.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} - {$380.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} - {$190.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} - {$48.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$40.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- Those are the fees charged for allegedly claiming that checks bounces. XX/XX/2021 Insufficient Funds Debit - {$29.00} {$1600.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} - {$580.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} - {$550.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} {$140.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} {$170.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} {$550.00} XX/XX/2021 Returned Check Fee Debit - {$29.00} -- XX/XX/2021 Returned Check Fee Debit - {$29.00} I tried contacting them but customer server is so rude and takes over 20 minutes to respond. | ||||||
| 08/23/2023 | Yes |
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| In XX/XX/XXXX, a e-checking account, Membership savings account, and credit card account were fraudulently opened under my identity through Navy Federal Credit Union. I was informed about this because Navy Federal Credit Union ( NFCU ) sent several items through the mail to my physical address, even though I did not open an account. I called them, and they closed the account and froze my social security number. However, in XX/XX/XXXX, a separate credit union attempted to open a new account under my name. Starting at this point, I started to do research, and I read about my rights under the Fair Credit Reporting Act ( FCRA ) section 609 ( e ). Specifically, that I have a right to access any business documents related to these fraudulent accounts under my name. In XX/XX/XXXX, I wrote a letter to NFCU, requesting any and all business documents. I provided them with a copy of my WI issued driver 's license, the police report detailing the identity theft, and the Identity Theft report taken from the FTC 's webpage. This letter was delivered on XX/XX/XXXX. The FCRA gives 30 days to comply with the request. As of XX/XX/XXXX, I have not received any documents, and the only time I get an answer is when I call them. They have informed me that they require a subpoena to release the documents. Via phone calls I initiated, NFCU stated that the application was done over the phone, so they can't release the application, or that the business records are owned by NFCU, and a subpoena is required to access them. However, the FTC 's stance on the FCRA is that a subpoena can't be required of an identity theft victim to access business documents related to fraudulent accounts created under their name. I have shared documentation with NFCU on the language of FCRA, and FTC 's stance. I have also shared with NFCU their own documentation taken from NFCU 's website regarding supplying documents to victims of identity theft with business documents within 30 days. | ||||||
| 10/18/2022 | Yes |
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Web | Servicemember |
| I was 1 month past due on my VA Loan mortgage and already spoke with a Navy Federal Credit Union representative, that waived my late fee for XX/XX/2022 mortgage. He saw I've NEVER been late on a mortgage payment in the over 4 years of this mortgage. He also directed to Navy Federal 's website for possible solutions, to include a packet to look over options. Great and helpful employee. Navy Federal 's collections department, also got involved, AS IF I was in foreclosure already. They even made it very difficult to make a payment to their mortgage department, TO BECOME CURRENT on the VA LOAN. I was fortunately able to reach a representative to take my payment for both XX/XX/2022 ( past due ) & XX/XX/2022 ( not past due, when payment was made on XX/XX/2022 ). For my mortgage, I have until the XXXX of every month to make a payment before it becomes " past due ''. I am now " CURRENT '' on my mortgage. Navy Federal collections department starting with sending multiple " certified '' letters, for me being only ONE MONTH past due. The most recent " certified '' mail from them was a packet about avoiding foreclosure. I was informed that a mortgage DOES NOT enter into foreclosure proceeding until 6 MONTHS past due. I was only 1 MONTH past due. The mail was a packet date XX/XX/2022 ( well before my XX/XX/2022 payment & ability to pay the past due amount. I even received a " certified '' letter prior to this in XX/XX/2022, already mentioning that I am past due. I spoke to a representative already and now " Loss Mitigations '' is getting involved and trying to block access to make a payment? I was not even given the chance to become current by the XX/XX/2022 mortgage payment. Horrible tactics by Navy Federal Credit Union on a VA LOAN. I've also come to understand they have outside investors that financial interest, even in Navy Federal VA Loans. Please investigate Navy Federal Credit Union 's collection tactics. I may also take legal action. | ||||||
| 06/30/2023 | Yes |
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Web | Older American, Servicemember |
| I file a fraud charge to the Navy Federal Credit Union in XXXX, Arizona, that appeared on my checking account and I had never been in contact with the merchant. I forget the amount of the fraudulent charge. But I think if was for {$44.00} The person at the credit union I talked to was very efficient and polite. She explained to me my debit card will have to be replaced and for me to destroy the one I had. Instead of waiting for it to be mailed to me, on XX/XX/XXXX, I drove seventeen miles to the Naval Federal Credit Union and requested replacement of my Debit Card. The debit card was replace immediately. I then made a withdrawl from my checking account, and was expecting an automatic deposit of {$320.00} to appear in my account on the XXXX of XXXX for XXXX XXXX. I was also expecting my retirement check for {$3700.00} from XXXX XXXX XXXX XXXX to be deposited into my account on XX/XX/XXXX. I received an email from XXXX XXXX XXXX XXXX that these deposits had been credited to my account. The following day I received an email from the XXXX XXXX XXXX XXXX, stating my password had changed successfully. I tried to access my account I entered my password and my account wouldn't accept my password. I also tried my debit card and I received a note that my debit card was frozen for XXXX year. I called the bank and complained about the debit card being frozen for XXXX year and the representative I talked to couldn't correct the problem and she said she has never heared of any Debit card being frozen for a year. I couldn't enter my account.nor could I use my debit card and I had to purchase a few items from XXXX. I made my selections on XXXX and paid for them by using my Naval Credit Union checking account and routing symbol and I didn't use the debit card. After I made these purchases in the amount of $ XXXX was notified by XXXX that there was a problem with the payment and I had to use a different payment method. I cancelled the entire order. | ||||||
| 05/31/2019 | Yes |
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| I filed a dispute with Navy Federal Credit Union ( NFCU ) at my local branch on XX/XX/XXXX for an unauthorized amount of {$320.00} which appeared on my credit card statement on XX/XX/XXXX ( see attachment ) .. NFCU never replied -- by phone or correspondence for this charge that was placed on my account on XX/XX/XXXX, despite frequent phone calls and inquiries from me to resolve this matter. By FCRA and CFPB, NFCU was supposed to send me a letter stating that they were in receipt of my billing dispute within 30 days, and they were supposed to complete their investigation within two complete billing cycles of receiving the dispute ( which generally means two months ) and can not take more than 90 days -- this did not happen. When I contacted NFCU on XX/XX/XXXX to inquire of the status of this dispute, they " supposedly '' were preparing a letter, but six weeks later I never received a letter. Also, none of NFCU 's Customer Service Agents can " read '' me a letter or " email '' a letter to my email address because nothing was ever prepared or sent.. The funny is that I have been receiving promotional offers and my regular billing statements from NFCU with no problem, but this letter from their Dispute Department " keeps getting lost '' ( so they say! ). They were supposed to investigate and respond by XX/XX/XXXX, and now it is over 130 days since I submitted my dispute. When I contacted NFCU on XX/XX/XXXX, the CSR " offered to resubmit my dispute '', but I refused since this dispute which was opened on XX/XX/XXXX, is clearly in my favor because of NFCU 's failure to respond AND correspond to my dispute in a timely manner as required by FCRA and CFPB. For these reasons and by my consumer rights, I am demanding that this unauthorized and fraudulent charge of {$320.00} be corrected and removed from my credit card statement and to credit my account with {$320.00} and any related finance or other charges, and send a correction notice. | ||||||
| 12/09/2022 | Yes |
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Web | |
| I was the victim of robbery on the street in which my phone was stolen from my person by 4 individuals. These individuals proceed to access the phone and attempted and successful in some instances to make various transactions from multiple banks, money transfer apps, XXXX and more. These individuals transferred {$2200.00} from my Navy Federal Savings account through the mobile app to accounts they linked through the app that night. They also transferred {$680.00} from my checking account. I contacted the police and an investigation is ongoing. Police Report # XXXX Washington, D.C. Metro Police Department XXXX XXXX XXXX. I then contacted all my banks, phone company, the whole works about locking accounts and getting issued new banking cards etc. All the other financial institutions either blocked the thief 's from accessing my accounts ( i.e. XXXX XXXX XXXX XXXX XXXX XXXX ). All the linked credit cards that were compromised such as XXXX XXXX and a XXXX charge to XXXX XXXX were all quickly ( within 2-24 hours ) returned back to me and deemed fraud. Navy Federal Credit Union however, returned the {$680.00} back to my checking account considering this fraud but had a separate investigation for the savings account which I spent numerous hours on the phone trying to get updates on my case. 2 months have gone by and I just received a letter from Navy Federal saying they will not be returning the money to savings account and deemed my responsible for the claim. I was robbed, police were contacted, banks were contacted immediately. These individuals who I do not know did not know were able to access my bank account without having my password to bank. If they are not returning the money that is ludicrous because they are basically saying my money is not safe with their institution. They also returned my checking account funds which they money was all transferred in at the same time in the same way. I need your help. Thank you, XXXX | ||||||
| 08/07/2018 | Yes |
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| Navy Federal Credit Union froze all 11 of my accounts without any explanation in XX/XX/2018 but stating that I would be contacted within 15 business days. After that waiting period and not having heard anything back from Navy Federal, I decided to contact them myself. I was informed that my accounts were closed and I would be given a reason in the mail but that I could appeal the decision in branch. I went through with the appeal letter and was told again that I would be contacted within 15 business days. I heard nothing for 3 weeks so decided to phone Navy Federal for an update. I was told my appeal was denied and that I could open another appeal and that the reason of the denial would be received in the mail, by me, within 15 business days! This went on for several months with my accounts being frozen causing a chain reaction of payments being returned with Navy Federal still charging me return fees! Prior to this, I had requested that those payments be stopped to prevent this but to no avail of their own! I held 3 credit cards with Navy Federal that were also frozen. Without any knowledge of the status of my account other than assuming they were closed, I decided to close the credit cards and all accounts myself due to the unprofessional nature of Navy Federal. It has been 4 months without any updates of any kind pertaining to my accounts. My credit score has decreased and loan companies that would pull from my navy federal have closed their doors to me due to not being able to debit my accounts. I operated my business 100 % through my business account and this caused huge problems from me that I am unable to recover from. I was told my credit cards were closed which caused negatives hits against my credit score. The damage is seemingly irreversible and never ending. The level of unprofessionalism is unreal and I can not believe that such a reputable credit union would conduct business in such a way towards its own customers. | ||||||
| 06/26/2018 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, I took leave and went back to XXXX after completing XXXX school. While I was out there, I was introduced to a man named XXXX XXXX by my cousin 's boyfriend at the time. XXXX told me he would be able to help me build credit and get my credit score over 700 within a years time. He told me to apply for a credit card and an auto loan with Navy Federal. I applied for both and in a couple weeks the credit card was mailed to my cousin 's address in XXXX XXXX. The vehicle loan had also been approved and was mailed to my cousins house. XXXX took the mail from their address, used the credit card to make various purchases in XXXX and XXXX and forged my signature on the check to from the vehicle loan to buy a used car for {$14000.00} which I later found out to be a XXXX XXXX XXXX. The last time I heard from XXXX was around XX/XX/XXXX when he told me to report the credit card as lost/stolen and make payments on the vehicle loan he had pulled out and claimed he would take care of it in a few months. I fully realized he was using me for his own personal benefit and would likely just disappear leaving me with the debt ( which he did ) So I filled out a report at XXXX XXXX and tried to clear the debt with the credit agencies. He also applied for a {$5000.00} personal loan from a company called XXXX XXXX which I later found out was done entirely online without any accounts linking the loan to him. Ive been dealing with this issue since XX/XX/XXXX with no avail. Navy Federal insists that I am responsible for the debt because I filled out the applications and was scammed by someone Ive met, even though my signature was forged. XXXX is holding me responsible for the debt because I made the mistake of saying I would make payments to get them to get off the phone initially the online application was filled out while I was still in California. There are also hard inquiries that was not authorized by myself that are still on my credit. | ||||||
| 10/14/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023, I was scammed by someone claiming to be a Navy Federal Credit Union ( NFCU ) representative after I received what looked like a notification from NFCU notifying that someone was using my card. ( see attachment of screenshot of phishing text received ) After I declined that it was me, I received a call from the same number as the NFCU number asking for me to verify my identity by reading a code sent to me by email. I was under work duress and didn't fully understand what was being sent to me, but it ended up being the code to reset my password. I was unaware that I was not speaking to an actual NFCU representative, but a scammer. After that they then transferred me to another scammer who said that someone was using my account as a mule to launder money and that I needed to transfer the laundered money to one of their representatives via XXXX XXXX. At that time, they were posing as Navy Federal Credit Union on XXXX XXXX which later changed to a different user. ( See screenshot of XXXX XXXX scammer user account AFTER transactions occurred. ) Throughout all this, I was never formally notified by NFCU that a loan had been taken out in my name. I did not sign a loan agreement and I had no idea that the money I transferred was actually a loan of {$9000.00} they took out under my name. The scammers, under the guise of NFCU representatives, were advising me to transfer the money out, telling me that it was " laundered '' money. I was only able to transfer {$4900.00} of the " laundered '' money to them and when they realized I couldn't transfer the rest they said they'd call me back later. On XX/XX/2023, at about XXXX XXXX, I called NFCU and they told me that it looked like fraud. NFCU conducted an investigation and even after they admitted it was fraud, they said that I was still obligated to pay the other {$4900.00} to them because I had " Participated '' in the scam. I was NOT a participant ; I was a victim of fraud. | ||||||
| 12/13/2023 | Yes |
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Web | Servicemember |
| On Tuesday, XX/XX/XXXX, at XXXXXXXX XXXX XXXX XXXX, I received an email from NFCU, alerting me to an unsuccessful external account registration attempt. Subsequently, upon checking my NFCU checking account ( Acct. # XXXX ), I discovered a significant reduction in my balance by {$9800.00}, attributed to unauthorized ACH transfers on the following dates : XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} I promptly reported the fraudulent transfers to NFCU at my local branch in XXXX, CA, where a customer service representative initiated a case with the fraud department. Concerned about the urgency, I emphasized the need for immediate reversal, especially given that the last two transfers occurred only one day prior. The representative assured me that my account would be closed and replaced while the fraud department investigates. Despite my efforts and cooperation, a letter dated XX/XX/XXXX from NFCU denied my claim, holding me responsible for the full amount. The denial lacked details or additional information. Following their advice, I submitted an NFCU Security Appeal form on XX/XX/XXXX, including information about the XXXX XXXX breach affecting me in XXXX, along with a police report ( Report # XXXX ) filed in XXXX XXXX XXXX However, my appeal was subsequently denied due to " lacking new information. '' Despite my pleas, NFCU refused to provide essential details about the transactions, stating they require a subpoena. Unfortunately, obtaining a subpoena is challenging, as NFCU 's headquarters is not in my state, and local authorities claim limited jurisdiction. Feeling left in the dark about the situation, I am seeking assistance to compel NFCU 's cooperation, potentially through filing a complaint. I urgently request your support in resolving this matter and appreciate your prompt attention. | ||||||
| 11/16/2023 | Yes |
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Web | Servicemember |
| I submitted a dispute and on XX/XX/XXXX, I received a response from Navy Federal stating the dispute was resolved in favor of the merchant because I had not submitted the requested documents. I called them and someone assisted with pulling the documents I had submitted on XX/XX/XXXX. I spoke with someone else and she advised me that in her experience, I needed to provide a detailed invoice, and that was probably why it was also denied, since they did not have that. I resubmitted the invoice and it showed the tracking number and I submitted the photo of the house it was delivered to, also showing the tracking number from the invoice. I submitted a photo of my house showing it was not delivered to the correct address. On XX/XX/XXXX, they resolved the claim in favor of the merchant stating they said it was delivered on XX/XX/XXXX. My photos clearly show it was delivered on the XXXX as well, but not to my house. The supervisor said she spoke with them and their response was for me to file a claim against the shipper. I did not do business with the shipper, my dispute is who I did business with. It would be up to the merchant to file a dispute to get their funds back for a service they paid for and did not get from the shipper. I am providing XXXX photos. XXXX will show my order with the total. I did receive XXXX item, from XXXX, which I have stated and not disputed. Another photo will show the items with the tracking number. The next photo will show where the item was delivered and the tracking number. The final photo, the black door, will show my house, which is clearly not where it was delivered. For my bank to tell the member, after they see the evidence, to go after the shipping company, is beyond acceptable. If they are the ones who do the disputes, they would know this is not possible and should have given this advice to the merchant, who can actually make an insurance claim against the shipping company, since they paid them. | ||||||
| 06/19/2023 | Yes |
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| I am writing to file a formal complaint against Navy Federal Credit Union regarding their refusal to close my checking account and provide me with the necessary funds. Despite my repeated requests and adherence to their stated procedures, Navy Federal has failed to comply with my reasonable request to terminate my account and issue a check for the remaining balance. I believe their actions are in violation of the following codes and laws : 1. Regulation E ( Electronic Fund Transfer Act ) : Navy Federal is required to comply with Regulation E, which grants consumers the right to initiate the closure of their checking accounts and receive the remaining funds. As per Section 1005.10 of Regulation E, financial institutions must honor a consumers request to close an account and promptly provide the available balance. 2. Truth in Savings Act : Under the Truth in Savings Act, financial institutions are obligated to provide accurate and transparent information about the terms and conditions of their deposit accounts, including the procedure for account closure and disbursement of funds. Navy Federals refusal to close my account and issue a check for the remaining balance contradicts the principles of this act. XXXX. Consumer Financial Protection Act ( CFPA ) : The CFPA grants the CFPB authority to enforce federal consumer financial laws. It includes provisions to protect consumers from unfair, deceptive, or abusive acts or practices by financial institutions. Navy Federals refusal to close my account and provide the remaining funds may be considered an unfair or deceptive practice under the CFPA. I have made multiple attempts to contact Navy Federal through their customer service channels, providing them with all the necessary information to facilitate the account closure and the issuance of a check for the remaining balance. However, they have consistently disregarded my request, leaving me unable to access the funds in my account. | ||||||
| 02/10/2023 | Yes |
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Web | Servicemember |
| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Navy Federal Credit Union XXXX : Card Fraud Prevention Recovery XXXX XXXX XXXX XXXX, VA XXXX Re : Notice of disputed charge to Account No. XXXX XXXX XXXX XXXX XXXX ] Dear Card Fraud Prevention Division I am writing to dispute charge ( s ) of {$17000.00} to my XXXX XXXX account on XX/XX/XXXX from XXXX XXXX XXXX XXXX transaction date XX/XX/XXXX ( Reference No. XXXX ) and transaction date XX/XX/XXXX ( XXXX XXXX. XXXX ) The charges are an error because I did not rent a vehicle from this merchant since XXXX and any associated fees from my XXXX rental was already charged XXXX XXXX and XXXX XXXX when the vehicle was returned and closed on out XXXX XXXX. Somehow this merchant has posted several erroneous charges to my account and upon reaching out to them I was advised that they would review and resolve this matter in which they did not. I have previously disputed these charges and they were reversed and the reasoning was because I had a prior purchase history with this merchant I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I receive an accurate updated statement. Enclosed are copies of the rental agreement from this merchant in addition to my XX/XX/XXXX for XXXX XXXX ending in XXXX statement which verifies that their vehicle was returned to them and the incurred charges : ( Review XXXX XXXX statement for XXXX XXXX ending in XXXX [ Transaction date XX/XX/XXXX Reference No. XXXX ] and Transaction date XX/XX/XXXX Reference No. XXXX ] were the ONLY charges that I authorized for this merchant to charge. The attached documentation serves to support my position and experience. Please correct the error on my account promptly. Sincerely, XXXX XXXX Enclosures : XXXX XXXX statement, XX/XX/XXXX XXXX ending in XXXX statement. XXXX XXXX XXXX ending in XXXX statement, and XXXX Rental Agreement. | ||||||
| 11/01/2023 | Yes |
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| XXXX XXXX unlawfully collected all money from my account on XX/XX/XXXX before resolution of the billing errors that they received. They were not supposed to collect until resolution of the billing error but no resolution was reached. They sent a letter on XX/XX/XXXX ( still after they collected and left my accounts with XXXX $ ) replying to me with nothing but statements so I then requested documentary evidence as defined in the XXXX and XXXXXXXX XXXX that they are required to follow. They never sent it. I have sent them a total of 4 notices and they are all the same responses. They sent an agreement without my signature, ( one that I can go online and print ), and statements. None of this proves a debt to be valid. They also unlawfully closed my account after receiving a legal notice of rescission of all past, present, and future security interest, proceeds from any insurance they applied to on my behalf, & the right to repo my car. They have taken adverse action against me, they are unlawfully reporting me late on my payments, even though they received 2 endorsed instruments for the obligation that they never returned even when I asked for them back, therefore lawfully they accepted them. I continue to receive generic responses instead of someone actually addressing the issue. They are also committing securities fraud because they are supposed to be nonprofit organizations yet they transfer their securities to XXXX which is registered under the SEC. They have also criminally mislabeled documents to hide evidence of them unlawfully collecting. I informed them of how they collected on XX/XX/XXXX unlawfully, thankfully I screenshot the proof first because that transaction no longer shows on my statements. The proceeds were never returned either. I attached the screenshot from today XX/XX/XXXX vs the older screenshot that shows them collecting XXXX $ on XX/XX/XXXX. They also collected over XXXX $ from my paycheck on XX/XX/XXXX. | ||||||
| 01/26/2023 | Yes |
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Web | Servicemember |
| Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with XXXXXXXX XXXX removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that I am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, XXXX XXXX, navy federal credit union | ||||||
| 06/15/2023 | Yes |
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| I started a Business relationship with Navy Federal Credit Union ( " NFCU '' ), in XXXX My goal was to build a good standing relationship and pursue future investment ventures. A conflict arisen between my account and my grandmother 's, XXXX XXXX, and they have ruined both my life and her life. A procedure that typically would be to protect us against fraud, turned in to a nightmare with XXXX tones. We called and spoke to everyone whom NFCU required. Furthermore, we submitted all requested information. In addition to the aforementioned, my grandmother physically drove nearly XXXX hours away to present the requested documents and present ID and nothing was enough. NFCU actually had the audacity to call the police and send them to my grandmother 's home, for a well fair check and it was proven to be unnecessary. Our records with NFCU has hundreds of notes and no one has resolved this issue in nearly XXXX years, to XXXX XXXX we decided to wash our hands with this institution. I have a credit with NFCU with a XXXX dollar balance ; however, I also have an account with NFCU with XXXX or more in the account, which is untouchable due to the aforementioned circumstances. I recently learned that NFCU will not allow me to access account funds ; however, they have a policy that allows them to pay themselves toward the XXXX balance. I requested for them to pay the entire balance in a written letter and authorization ; however, they have continued to only pay the minimum and continue to collect late fees and interest fees. This is XXXX poor customer service and robbery. It has created substantial financial hardship and extreme anxiety. This matter could have easily been resolved ; however, NFCU, through their lack of transparency, broken systems, lack of accountability and crooked tactics have made this a huge mess. Being that I have never experienced this with another bank, one can not help but to wonder if this is racially motivated | ||||||
| 05/12/2020 | Yes |
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Web | Servicemember |
| Back in XX/XX/XXXX, I applied online through Navy FCU to refinance my mortgage loan, at the beginning of the process, the bank has a questionnaire about your situation. I submitted all the paperwork needed, amidst XXXX I received a letter stating that my credit was denied, because " the property use does not meet the requirements ''. I emailed my loan officer, called about 8 times, every time I talked to a different agent, they all couldn't tell me an exact answer why was the loan declined, some thought it was a problem with the county, I called the county, the checked my records and even provided me with a statement where it shows that my house was at compliance. At the end I requested a sup, who wasn't available then she called me three day after that last call, the sup explained me that because the military " I am XXXX XXXX XXXXXXXX XXXX '' moved me to XXXX XXXX XXXX I was not technically living in my property back in XXXX, therefore I did not qualify for the type of loan I was applying for, my mom is currently living there, and I explained that the military just moved me a month ago to XXXX, but my home residence is XXXX and I may go back there, I wonder why they have a questionnaire for the application, if they don't apply that profile answers they get, to better classify and get the people in the right type of loan, in my case no one ever called me, I had to call several times, to get even an answer, and it took almost a month after the denial decision was made to get to know an answer, and after all, the supervisor on the line, told me that I'd needed to re apply. I believe first, this treatment is really unfair, and not helpful at all, their processes and communication within the same mortgage department is in the air, I talked to many representatives that didn't know what was going on, and us a customer at the end don't get the customer service and guidance for such a big transaction as refinance a mortgage loan. | ||||||
| 07/26/2022 | Yes |
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| I am writing this complaint regarding my checking account ending in XXXX at Navy Federal Credit Union. I have tried several times to resolve An issue regarding returned item fees with Navy Federal directly. Now, almost daily, new fees are being assessed that are related to recurring debit transactions that have been in place and now they are assessing them as ACH transactions. It seems this is being done to assess more returned item fees. This all began, once I made mention of filing a complaint with the CFPB upon speaking to a telephone representative and a supervisor whom acknowledged the error and proceeded to still place blame on me for not calling within 60 days. Initially, when I explained that I had just recovered from some personal health and family matters, I was told that I was to have reviewed my statements within 60 days and that any fees they waived were a courtesy and they did not have to waive them. I was also told that just like there are laws to protect consumers, there are laws that help banks also. Once I asked the policy, the supervisor stated that if the funds are not available the end of day for a transaction, then a returned item fee is assessed the following business day. I have been a customer of NFCU for a long time and I can not even make my credit card payment due to my account keep having new fees. In the messaging center, I pointed out that I hadnt received notices about anything for several of the months in question, now they make sure I receive a message everyday about a new fee and dont try to resolve my requests to look into my original issue. I have attached copies of each statements that have fees in question. I will also attach screenshots of my communication with NFCU through their apps messaging center to document my attempts to resolve. I do not have any phone records but I called from the phone number on my account each time. Thank you for taking the time out to review my inquiry. | ||||||
| 03/07/2023 | Yes |
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| To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the XXXX accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, XXXX XXXX, Navy Federal, and XXXX. I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX Liability Adjuster/Claims Resolution Representative, XXXX XXXX XXXX informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. The XXXX XXXX XXXX XXXX that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. Sincerely, XXXX XXXX | ||||||
| 10/25/2018 | Yes |
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| So on the early morning of XX/XX/18, i was awake whena depost came through that I had been waiting for that i really thought would show up at another bank. I immediately transferred the money to another account so that i could withdraw the cash Wednesday morning at the branch. I went into the branch on XX/XX/18 ; Wednesday and withdrew XXXX from this other account. While at the branch, i was never told that my account was overdrawn and when looking at the app i never saw a pending transaction, or a scheduled transaction. On the morning on XX/XX/18 i woke up to my account being overdrawn by XXXX and some change. I called navy to find out what happened and to get them to reverse the payment that was made to a checking line of credit. I was told that i set up an automatic transfer, which i never did, and that the payment would not be reversed. I spoke to at least 3 representatives that did not really know how to handle the call and then i was transferred to a manager who insisted on talking over me and saying that the only one who took money out of the account was me and not navy. Why would i be allowed to transfer, and withdraw money that is not available for me to do so, especially if the line of credit is frozen and would not cover any negative activity on it. This should have never happened. I would also like a time stamp of all transactions which i was told was not available. At the end of my conversation with the manager i did have a little bit of an attitude, but i was cordial and polite and told him all my info was up to date with the bank. O hung up not satisfied and the banker telling me that instead of owing money to line of credit i now owe the exact ammount to brong my account balance back down to XXXX. I would like them to show me that i have a signed contact ; which is a meeting of the minds with 2 signatres show navy took from their profits and that navy has been harmed in anyway. They have not, but i have. | ||||||
| 06/09/2022 | Yes |
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| Without my written consent, Navy Federal has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$7600.00} and further extort me and cause harm to my credit reputation. Navy Federal has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Navy Federal any written instructions to furnish any information to my consumer report. Navy Federal has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Navy Federal has failed to clarify or correct these billing errors. Navy Federal has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Navy Federal has chosen to punish me for nonrepayment of this extension of credit by closing my account. Navy Federal is not in compliance with 15 USC 1692e. Navy Federal has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to XXXX further reflecting a XXXX balance owed. | ||||||
| 06/09/2022 | Yes |
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| Without my written consent, Navy Federal has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$1600.00} and further extort me and cause harm to my credit reputation. Navy Federal has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Navy Federal any written instructions to furnish any information to my consumer report. Navy Federal has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Navy Federal has failed to clarify or correct these billing errors. Navy Federal has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Navy Federal has chosen to punish me for nonrepayment of this extension of credit by closing my account. Navy Federal is not in compliance with 15 USC 1692e. Navy Federal has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to zero further reflecting a XXXX balance owed. | ||||||
| 03/17/2023 | Yes |
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Web | Servicemember |
| 3 checks were stolen from me in XX/XX/2022 when I sold my house, these three checks were cashed by a lady named XXXX XXXX thru XXXX XXXX XXXX account from my Navy Federal Credit Union account ending in XXXX, during the months of XXXX thru XX/XX/2022 I traveled out of the country during this time I could not access my account on the app because the bank would block the international Ip address. on XX/XX/2022 the firdt check number XXXX posted to my account and paid for XXXX then on XX/XX/2022 a second check number XXXX posted to my account and paid for XXXX also and on XX/XX/2022 the third check XXXX posted to my account and paid for XXXX. I returned from my trip on XX/XX/2022 and upon my arrival and seeing my bank statements I did not recognized these charges so I reported it to my bank and asked for copies of these checks when I received them I was able to identify that these checks had been stolen and fraudulently cashed all three checks have different handwriting 's. I submitted a claim form after reporting it by phone and included copies of the checks. Navy Federal credit Union took a long time to process and even that I had uploaded the claim on their secure site they kept saying they had not received it but system reflected that they had, so I continued to upload several times during the next several months till they finally admitted receiving it all, and then they took their time to issue it to someone to work on it, and then after several months later they sent a secure message stating that I would not get a refund or credit back, I asked why this was not making sense so then I waited and they refused to give me a reason so I appealed in writing and they again took months to answer and replied that it would not be credited back to me again I asked what reason and they never gave me a reason. I want my money back and credited back to my new account that they opened when my account was a victim of fraud XXXX | ||||||
| 06/28/2021 | Yes |
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| My son wanted to sponsor a bank account for me through his name and bank account at Navy Federal credit Union at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX The bank asked me to send credentials to them to prove who I was and that it was a two-step process and obtaining the bank account I sent the credentials and never heard from them again so I went in and talked to a banker in person she told me that she would not accept any of my credentials and I have a permanent address in Ohio and have a working address in the state of Florida I have credentials for both addresses she told me that she wouldn't accept anything except the address that was typed in when we try to open the bank account which is my daughter 's address and I told my son make sure you don't put any other address except my own because I have no credentials to show if you do she claims we did my son had started to type my daughter 's address because he's staying there and I stay there when I'm working in XXXX I've been living in Central Florida working there also he backed out of it and typed in my central Florida address. So I said to the banker I say I can not give you proof of my daughter 's address because I do not live there and she just kept insisting that I give her proof of my daughters address and she said you'll have to give me the driver 's license and everything and her address and I said ma'am I am not living at my daughter 's home and so I proceeded to say just close the bank account and she says will you have {$5.00} in the bank account I said we'll just relinquish the {$5.00} to me and close the bank account and she said well I can't even do that unless you prove you live at your daughter 's address and it was absolutely insane and so I left and I told the sheriff sitting at the desk what they had just done the sheriff didn't do anything either so I'm filing a complaint against Navy Federal credit Union in XXXX Florida. XXXX XXXX | ||||||
| 08/23/2016 | Yes |
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| Applied for a Mortgage with Navy Federal on a Foreclose house XXXX/XXXX/XXXX. Pre-approval letter after some very stern phone calls XXXX/XXXX/XXXX. Loan Officer would not return your call or call from numbers that was not working for Navy Federal. We are at closing and have n't receive the HUD sheet, the Attorney Office had to let us know we will not close XXXX XXXX, XXXX. Navy Credit sent an email requesting more information XXXX/XXXX/XXXX around XXXX our time because they are located somewhere in Florida. Somebody call my cell earlier that morning but did n't leave a message, I guess it was XXXX XXXX because she did leave a message in the past from the same phone number. the email was asking questions concerning our dependent age and how much we pay for his daycare in the last two years, they stated it came from our tax transcript. Caluculated the distance my husband would have to commute and is his job relocating XXXX XXXX. Did I relocate to my current job because my Employment verification stated XXXX/XXXX/XXXX, my Employment verification letter gave them 24 years of Federal Services. Why my husband had a gap in employment, which they got from tax transcript and question income from rental houses we own. Now asking for XX/XX/XXXX tax return when we sign release form for them to obtain XX/XX/XXXX and XX/XX/XXXX tax transcripts. I can go on and on but the main thing we will not make closing XXXX/XXXX/XXXX and still have n't heard when we will close. I sent all requested documents timely and sent emails asking was anything else needed. we have to go 2 hours to close. The Navy Federal Credit Union had all requested information in a fimely fashion and now we can close on the date in the contract and talking about an extension meaning more money the buyers have to pay and some attorney do n't give or waive that fee, Navy should pay for any additional money because it 's not the Buyer fault we did n't make closing. | ||||||
| 06/14/2023 | Yes |
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| I called the company on or around the following dates to get assistance with applying for a loan to lengthen the terms and lower my payments of my personal loan that had an original amount of {$40000.00}. I was told that I had to wait 1 year from my original loan date which was XX/XX/XXXX to do this. The are the times I spoke with different representatives which provided this information. XX/XX/XXXX XX/XX/XXXX Im currently going through a XXXX XXXXXXXX XXXX and was being proactive with getting my options to lower my payments. I called XX/XX/XXXX and spoke with an agent who transferred me to a supervisor XXXX to get assistance with a payment that wasn't reporting because of the delay in their system and also ask about the lengthening the loan and was told I didnt have to wait 1 year and could do it at any time but that I had to wait until today to apply so the payment could be posted. I called today and spoke with a rep who assisted me with the application and told me I was denied because of my credit. I currently have a few inquiries because Im trying to get out of this XXXX XXXX situation however if I was given the right and proper information to apply back in XXXX of last year I wouldnt have had this problem. I asked the rep to transfer me to a supervisor whose name is XXXX and he gave me incorrect info about fixing my issue and transferred me to XXXX agent id # XXXX in the finance management department who then transferred me to XXXX in the counseling department. Ultimately after I explained my situation she transferred me to XXXX who is a supervisor in the lending department and I explained that my right to apply months ago was taken away from me due to false information being provided by their company and he pretty much said thats not their issue. This has to be a violation of my consumer rights and prohibited me from having the option to have a lower payment which is causing financial harm to me. | ||||||
| 08/22/2023 | Yes |
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| I recently received a copy of my credit report from XXXX, XXXX, and XXXX. I notice that some transactions posted on my credit reported that is excluded by federal laws to my consumer reports! Navy Federal Account # XXXX Your company is in violation of the FCRA and XXXX XXXX Compliance and reporting violation 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX you reported transactions from Navy Federal Credit Union account # XXXX, to my consumer report. The above section 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! Provide me with the XXXX compliance on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Furthermore 15 USC 1666b ( a ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I need the above transactions deleted from my consumer reports! XXXX | ||||||
| 12/15/2022 | Yes |
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| Navy Federal credit union has displayed XXXX XXXX XXXX discriminatory acts against me as a consumer and withheld access to my account doing so. This is disgusting & intolerable as I have all 7 recored calls of which I was deliberately hung up on for no reason whatsoever with disrespect and discrimination. Navy Federal has broken several federal violations and someone needs to be held accountable immediately On XX/XX/22 I contacted Navy Federal credit Union because I had no account access I then spoke to a representative who informed me that I would have to speak to a specialist due to my account having suspicious activity when I had not been notified by navy Federal credit union that there was any suspicious activity being done on my account, and she stated that there would be a 7min hold to speak to a specialist to assist me with this and I ended up being on hold for over 3 hours. When the specialist then came on the line she was very rude and disrespectful and did not resolve the issue at all and ended the call for no reason. I then had to call back and speak to another customer service rep who initially then tried to tell me that the last agent that I spoke with did not hang up one me, when she in-fact did hang up on me and tried to send back over and put me on another 3 hour hold without addressing the issue at hand so I asked to speak to a supervisor and the supervisor did not address the issue what so ever and hung up on me. I then had to call back for the third time only for them to hang up on me for absolutely no valid reason without resolving the issue. I feel as if I am being discriminated against because Navy Federal would not have treated their other customers in this manner. I have been in contact with the Navy Federal credit Union XXXX XXXX as well as XXXX XXXX XXXX to inform them what has been done to me. I still do not have any access to my account and am currently with out funds due to this | ||||||
| 12/16/2023 | Yes |
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| I began a home loan application with Navy Federal Credit Union ( NFCU ) on XX/XX/2023. I was already pre-approved, and had received conditional approval from their underwriting department. In order to move forward with final approval, NFCU needed proof of an insurance policy, home appraisal, and to conduct a final review of all the documents. Per my contract, NFCU needed to provide me with a final answer about financing by XX/XX/XXXX. Both the insurance policy and appraisal report were submitted to NFCU on XX/XX/XXXX and our file was sent to underwriting for a final review. We were told underwriting generally takes XXXX to respond. On XX/XX/XXXX I received and signed the closing disclosure documents and was even told there would be no problem closing earlier than our contract stipulated. Since then, NFCU has been unable to provide us with a final answer about financing. They have continued to ask for information that was previously submitted to be submitted again, asked for these documents one document at a time, and waited XXXX to give a response to only request more documentation they already had. We consistently wait XXXX to hear back despite providing all documentation the same day it was requested. Per my contract with the seller, NFCU must provide an answer about financing by XX/XX/XXXX. According to my last conversation with our loan officer, NFCU " hopes '' to have a better answer for us by XX/XX/XXXX. This date will fail to meet the deadlines stipulated in the contract, and unless the seller is willing to grant an extension, I will lose my escrow deposit and possibly the house. Despite asking for an expedited review from underwriting, asking that they request all additional documentation at one time, and reminding them of the dates required by the contract, NFCU has refused to move the process along or provide a reasoning for why underwriting has been unable able to grant final approval. | ||||||
| 08/17/2018 | Yes |
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Web | Servicemember |
| Unauthorized & unethical withdrawal of funds in the midst of paying not delinquent on time payments after speaking to several agents who assured & misinformed me of procedure. While literally in the middle of making on time payments, NFCU accosted funds on non pass due accounts. I use the " XXXX fund method '' of managing debt & so my young child 's lunch money account would not be affected by NFCU 's often egregious unauthorized access I was told by an NFCU agent to simply move any funds not owed into my Savings account. Unbeknownst to me until after my son 's school accounts were paid by check, upon reading a myriad of other complaints against NFCU 's underhanded practices, I checked my account, only to find that I was intentionally given misinformation by an NFCU agent. On XX/XX/XXXX around XXXX EDT hen I inquired about this - & several other issues - that seemed to contradict info given me, I had several agents agree & transfer me to a supposed Supervisor who was rude & abrupt & hung up on me before I had an opportunity to even ask a single question. Ever bit of my XXXX school age child 's lunch funds stipend of {$60.00} plus dollars had been taken without authorization leading to the epitome of un-integrity. To have a supposed Supervisor whose very job is to serve customers, hang up on me so abruptly was inconceivably unprofessional, especially in an organization owned my members. I had the names of every previous agent, yet when attempting to find out who said rude, unprofessional, utterly unconcerned NFCU agent to make the deplorable treatment known to her department head, all of a sudden there was no one willing to do their jobs & connect me with the agent who perpetrated such utterly incomprehensible action. There is ABSOLUTELY NO excuse for treating ANY customer in that fashion, & I will leave no stone unturned to have that lacky made accountable for her actions! Her treatment was UNACCEPTABLE. | ||||||
| 12/01/2023 | Yes |
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| I am deeply troubled to share the frustrating experience I have recently encountered with Navy Federal Credit Union. Despite the Internal Revenue Service ( IRS ) having sent them a letter to release the levy on my account two weeks prior, the bank still placed a hold on my account, causing significant and undue hardship. On XX/XX/2023, I was astounded to discover that Navy Federal Credit Union had placed a levy hold on my account, in direct contradiction to the letter sent by the IRS. Remarkably, the IRS had communicated with the bank on XX/XX/2023, instructing them to release the levy. This action should have precluded any hold being placed on my account, as per the predetermined 21-day window stipulated by the bank 's policies. Subsequently, when I reached out to Navy Federal Credit Union for clarification and resolution, I was instructed to contact the IRS directly. However, it is critical to emphasize that the IRS had already taken the appropriate steps to notify the bank of the levy release in advance of the 21-day period. This situation has caused immense frustration and financial strain, and I am deeply disappointed by the failure of Navy Federal Credit Union to honor the instruction provided by the IRS in a timely and responsible manner. As a customer, I expect appropriate adherence to regulations and an understanding of the impact such holds can have on individuals and families. I sincerely hope to see a swift and satisfactory resolution to this matter. It is imperative that financial institutions such as Navy Federal Credit Union take accountability for their actions and strive to alleviate, rather than exacerbate, the burdens faced by their customers. I will continue to pursue a resolution to this issue, and I trust that Navy Federal Credit Union will take the necessary steps to rectify this disconcerting situation. Thank you for your attention to this matter. Sincerely, XXXX XXXX | ||||||
| 12/15/2021 | Yes |
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| I applied for a new car loan with Navy Federal Credit Union ( NFCU ) in the amount of {$40000.00} with a trade in ( XXXX XXXX XXXX ) as well as a {$5000.00} cash down payment. I have an income of {$4200.00} per month and my monthly housing cost is {$1000.00}. During the application I was instantly denied. I initially thought this denial would be due to my XXXX credit report being locked. I mistakenly forgot to unlock it prior to the application. However once I received the statement of credit denial, the reason listed is " EXCESSIVE CREDIT OBLIGATIONS IN RELATION TO INCOME ''. This information confused me due to my DTI being well below 35 % based on information in my application. Additionally, this decision was made without NFCU having access to my credit report. I called NFCU for an explanation on my " excessive credit obligations '' and after being transferred to many different representatives, I was told by XXXX who represented herself as a supervisor, that my DTI is too high. I asked for a review and explanation either by phone or in writing as to how it was determined that my DTI was too high and was told that there is no one above XXXX who will talk to me on this matter. I was also advised that there is no recourse or escalation process that will get a response. I mentioned that the decision felt discriminatory without using my credit report or any further explanation on how my DTI is considered too high and was told that no financial institution is obligated to explain. I requested a complaint be filed for suspected discrimination and was told that I may be contacted but no one would discuss the credit denial with me any further and if I wanted an explanation beyond the letter I have, that I had to re-apply for credit. I will not re-apply without an actual explanation on the denial in the first place. I would like this complaint to initiate an investigation into the lending practices for NFCU. | ||||||
| 09/08/2023 | Yes |
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| Hello my name is XXXX XXXX. On XX/XX/2023 I called my financial institution Navy Federal Credit Union. The reason for this call is because I had called the Financial institution 2 times previously in regards to a check I had deposited being out on hold. A supervisor and a regular support staff both had told me my funds would be available today on XX/XX/2023. However when opening my bank app I noticed the money still has not cleared my account. I decided to make a call to Navy Federal again on XX/XX/2023. It was then when I was met with the upmost rude customer service I have ever received from a financial institution. The representative was back talking and talking with a very rude attitude in her voice. She had told me that I WAS LIED TO and that the funds now would not clear until tonight at midnight. Making the hold of my funds 6 days. 1 day beyond what federal law allows. The bank then justifies that since it is processed at midnight the funds are technically made available on the XXXX day even though midnight would make it the XXXX day. I then asked to speak to a supervisor, I was put on a very long hold. After this long hold a supervisor named XXXX had come into the line. She sounded very nice at first however when I made a complaint she instantly retaliated and went on defense mode with a rude mannered attitude like the previous representative and did absolutely nothing to help. Navy federal credit union has been purposely holding all of its account holders funds for long periods of time and not giving and written communication about funds being held within the whole duration of the 6 days holding your funds when federal law requires written notice witching XXXX business days. Navy federal deliberately hold funds from account holders for long periods of time with no written explanation costing accounts thousands per year in late fees and additional interest due to not having access to their funds. | ||||||
| 02/10/2020 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I was logging into Navy Federal app on my phone to pay my sons car payment I noticed that the bank account which I have not used in almost 2 years had {$58000.00} in it. I called Navy Federal On XX/XX/XXXX and they reassured me the money was mine and told me I could spend it. I paid {$35000.00} and paid off my car loan for my XXXX with Navy Federal and I transferred the rest {$16000.00} to my XXXX XXXX account so I could spend it since I dont have a debit card with the navy federal account that all of that money went into. I asked Navy federal where the money came from and they could not tell me all they could tell me was that its a credit on my account and it was my money and I can spend it. I was contacted 2 to 3 weeks later by navy federal recovery team telling me the money was not mine and I need to return it all. I returned all the money they took it and I also had a {$5000.00} in credit card debt that I was paying on and it was in collections I had Payment set up through my XXXX XXXX XXXX account to pay them every month until the debt was paid off they told me in XX/XX/XXXX that {$5000.00} Debt had been charged off and I no longer of them any money in collections at Navyfederal. Fast forward to today XX/XX/XXXX when I was supposed to receive {$1000.00} from my boyfriend so I can go get a XXXX XXXX and Navy Federal Collectuons dept has taken that {$1000.00} money and told me theyve applied it to the debt that I owe on that {$5000.00} that they had once told me was charged us and I no longer owed. Navy federal has not once tried to contact me since XX/XX/XXXX when they told me the debt of {$5000.00} was charged off and they took back that large sum of {$58000.00}. I have called them and asked them to give me the XXXX XXXX back because I was to use that for a XXXX XXXX on my XXXX tomorrow and now they say that they will not give me the XXXX XXXX back because the money was not mine. XXXX | ||||||
| 10/04/2019 | Yes |
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| I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX inquiry from XXXX XX/XX/XXXX inquiry from Navy Federal Credit Union XX/XX/XXXX inquiry XXXX XXXX XXXX I Called XXXX and XXXX twice they did not remove these inquires. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DOB : XX/XX/XXXX | ||||||
| 09/25/2023 | Yes |
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| On XXXX I submitted a fraud claim due to my account being compromised when my phone was stolen. I gave them the exact dates it was stolen which coincides with when my bank account was compromised. I never received any phone calls or emails in regards to the transaction that happened only a letter stating that a check bounced with my a plagiarized signature on the copy of the check. I was not in possession of my card and the only card I had from was expired and they never sent a new one. When I submitted the claim I had to create a new user id and password for my bank account and request a new card. This bank has a zero liability policy so although I was really worried about my information being stolen I trusted Navy federal to handle this matter. They immediately denied my claim so I went on to submit an appeal XXXX I waited months to hear back from them and nothing and my account was closed without any warning. There was also a credit card application put in at the time my account was compromised thankfully it was denied. I asked them what information could I provide that would help but they didnt have anything that I could send in that would help. Since then another one of my bank accounts got compromised however that bank was able to retrieve my funds, protect my account and locate the person that hacked my account. Navy federal has done nothing to help and the balance is extremely high over {$4000.00}. I have had a car loan with navy federal and family who also banks with them and ive been with them for years and they have not been of any help in this matter. I recently contacted them on XXXX and they were not able to give me and update and told me that the balance is on me now they have a zero liability policy which this goes against. I in no way have any connection to when my phone got stolen and my account got compromised and it is upsetting that I am now being held accountable for this crime | ||||||
| 04/19/2023 | Yes |
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Web | Servicemember |
| NAVY Federal Credit Union stole my entire California State and Federal Tax Refund without sending me to collections or notifying me of any action ( s ) in writing. I was expected to receive from State {$2000.00} and Federal {$6700.00}. Mind you that they are not only taking my money away, but my child 's money that he is entitled to by law as a dependent from State and Federal taxes. I am a XXXX veteran single XXXX mother caring for my XXXX son and XXXX mother. Federal Law allows only State and Federal Government Agencies to take refund money as payment toward a debt which NFCU is not. NFCU so called claims to follow NFCU Credit Card Agreement and Disclosure, but yet they refuse to provide me with the exact fine print to show me. NFCU failed to provide anything to me in writing by mail or email notifying of such offset. I have checked with the Bureau of Fiscal Services to determine whether an offset was to occur on a debt other than State or Federal Tax and they found zero. I have to pay XXXX for my late mortgage, XXXX to DWP ( Thanks COL in XXXX ), I also have to pay XXXX to NFCU for my checkline, and other bills. I expect my money back in my account asap since you have violated laws, regulations, and agreements, Furthermore, what they stole from my account has to be reported to the IRS which will cause to report a charge off as income which requires an amendment to my taxes. NFCU knows I lost my job, am XXXX and pending medical retirement/SSI, and I have other priorities other than a multimillion dollar credit union XXXX After the pandemic millions of us Americans have struggled and in debt, but what you did is theft and it is wrong. NFCU also stated by phone that they would offset {$180.00} each month beginning May from my VA disbility money. I expect NFCU to make the correct decision and return all the money they stole from my child and me or will resort to other legal and newsmedia means for help! | ||||||
| 02/07/2023 | Yes |
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| I XXXXXXXX XXXX with account number XXXX have requested that Navy Federal show proof of claim that they gave loan by providing the on and off ledgers according to XXXX rules and FAS rules. The Bank never gave a legitimate form of consideration. They never debited their account and rendered a loan. The check they showed me as proof is fake and I never signed a check. That does not prove that a loan was actually given. XXXX XXXX name is the only name shown on the promissory note. In fact it was a barter signature exchange for fund access, a 1099b has been filed with IRS, a 1099C has been filed with IRS and both accepted. They have been reporting wrong information to credit report even after IRS canceled the debt and insolvency filed. They lied like they are not for profit and put the same on my online profile but sent a letter saying they are debt collectors. 3949a and a whistleblower form for non profit entities has been turned in to IRS investigation team for identity theft and lies. Navy Federal denied compel for Private Arbitration. The automobile has been sold to a company in Delaware at my discretion because I am the owner of the promissory note as beneficial owner. The bank did not sign. I am seeking for recoupment of federal reserve notes that was sent to them in error. They used my signature as actual cash value, securitized my promissory note, received funds and then erroneously charge me interest payment and gave the deposit back to me in the form of a loan, this is identity theft and security fraud. I also sent a International Bill of Exchange to Navy Federal XXXX XXXX, XXXX which is the in house Trustee, to set-off the debt because according to comptroller that is a legitimate security to set off and settle debt. They kept it, sent to TT & L dept of treasury to make presentment and kept the proceeds and then said I owe them a loan. I will not make another payment to a loan that doesnt exist. | ||||||
| 12/14/2015 | Yes |
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| I made a deposit in my savings account at a Navy Federal Credit Union ATM. I went to withdraw some money from my account a few days later at the ATM and the transaction was denied. The receipt read, " do not honor. '' So, I called the credit union to find out what was going on. I was told by customer service that after reviewing my account, nothing was wrong. Later, I attempted to make a withdrawal again and the transaction was denied again. I called back to customer service a second time. I was told that my account was frozen because of fraud. I had to ask what felt like 10 times, what fraud had occurred exactly? Only after becoming irate, I was told that a {$1700.00} deposit was the issue. Last time I checked, I 'm free to deposit and withdraw MY money as I see fit. Since when did deposits become fraudelent??? The rep. tried to dismiss me by saying the individual who had done this to my account was off so, nothing could be done. I escalated the situation to a manager who refused to give unique identifiable information about herself, like her name. She told me I needed to go to a branch to show identification. I told her I WILL NOT be doing that. She thought she could remedy the situation by rationing my own money to me and offering to XXXX XXXX me {$500.00}. I vehemently declined. I told her what she could do was remove whatever block is on my account so I can access MY funds the way I see fit because there is nothing fraudulent about a {$1700.00} deposit that was made at an NFCU branch ATM WITH a card AND pin # that I am confirming I completed! She refused. In another attempt to resolve this matter, I called back to speak with someone from the board and all that information was denied. At this point, I have been unable to access my money for almost a month, which has forced me to have to borrow cash to cover the basic necessities of life. If this is not resolved expeditiously, I will file a lawsuit. | ||||||
| 06/17/2023 | Yes |
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| I spent a year in XXXX my information was stolen by XXXX XXXX XXXX in the country including my passport. The group cloned my phone and created fake credit cards and debit cards and made many transactions I was unable to report the information because I was still in the country and the threat of violence was a constant and I was under duress and my coworkers also so even leaving the country and reporting the issues was life and death. I had my apartment broken into and had my computer and other personal items stolen which I reported to the local police in XXXX and I asked them to use discretion because the perpetrators are unknown. I reported everything when I returned to the United States and my coworkers were all back on American soil. My bank NAVY FEDERAL denied my claim and refused to return the money and credit my credit card accounts. They returned some money to my personal account of {$560.00} but denied all the bigger claims even with police reports and emails from the XXXX Attorney General. I have provided all the proof that is available to me as a XXXX citizen in a foreign country. Navy Federal Bank is not alerting me to why they are denying my claims until I have to keep calling for answers. This is an ongoing problem with the bank ive learned through various social media sites. The incident began in XXXX of XXXX, They were alerted to the situation when I returned to the United States and to help track the stolen money I had to hire a private XXXX. The supervisors of the fraud department agree with my evidence and don't know why the claim keeps getting denied and this can be verified with the tapped conversations. Also, the investigator is not reading the emails that I keep sending because they are responding without reading the information and making various mistakes. I fear I will lose my money in retaliation. The investigation has been ongoing since XXXX of XXXX it is now XX/XX/XXXX 2023 | ||||||
| 11/04/2021 | Yes |
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Web | Servicemember |
| I purchased a new vehicle in XXXX with financing through Navy Federal Credit Union. My final payment was due on XX/XX/XXXX in the amount of {$610.00}. I made the final payment on XX/XX/XXXX. With the added interest the final amount was {$610.00}. On XX/XX/XXXX my account information online showed a {$0.00} balance with nothing due. On XX/XX/XXXX Navy Federal added an account adjustment and increased my balance to {$28.00} with a due date of XXXX/XXXX/XXXX. On XX/XX/XXXX my XX/XX/XXXX auto loan statement was also issued. It showed my payment from XX/XX/XXXX with a {$0.00} past due amount. But it also showed that I still had a {$29.00} balance plus an additional {$29.00} late fee. Neither item was listed as past due on my XX/XX/XXXX statement. I attempted to pay whatever amount was owed on my account on XX/XX/XXXX ( 10 Days days after receiving my statement ) but when I logged into my online account all charges had been adjusted/ removed and the balance was {$0.00} again and it did not let me pay. I assumed the account was paid then and in good standing. On XX/XX/XXXX I was notified that my auto loan account was reported 30 days late to the credit reporting agencies. Additionally I received a letter on XX/XX/XXXX stating that my account was in default for the amount of {$29.00} and could be repossessed. I have contacted Navy Federal in writing via secure message and by phone and told that my account is at {$0.00} balance and paid off in full and that no further payment is needed. When I asked about the 30 days late payment history reporting and the information based on the statement I was told that " It is something I have to work out with the Credit Agencies and that they have nothing to do with it ''. Navy Federal is reporting me 30 days late for an amount they notified me of on XX/XX/XXXX. At the same time the system does not even let me pay anything since it shows a {$0.00} balance. | ||||||
| 06/03/2021 | Yes |
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Web | Servicemember |
| We refinanced our existing Navy Federal VA mortgage with Navy Federal. We started with asking questions as we were not sure if refinancing made sense. We stated that it was important to us to keep fees low and lower our monthly payment. We were given an estimate of {$12000.00} but were also told that was a high estimate and once the figures were revised, closing fees were like to be lower. Closing costs ended up at {$13000.00} by the time we closed. We discussed our escrow account with our mortgage processor, XXXX XXXX, where XXXX told us that we would have to start a new escrow account despite having one with our current mortgage. XXXX told us that our current escrow account would be disbursed to us. XXXX never discussed using the escrow account to pay off our current mortgage. Yet when I called Navy Federal over a month after our closing to determine the status of our escrow account, I was told that the account had been used to pay off our old mortgage. Closing documents show the {$5600.00} going to pay off the old mortgage so I do not question where the funds went, but I am outraged at the lack of communication as we were planning on using the {$5600.00} for cash needs. We were further outraged to receive a letter from Navy Federal a day later stating a recent review of our escrow account showed a need to increase the balance by {$910.00} or {$75.00} more with each monthly payment. This letter arrived a little over a month after our closing, before our first payment was even due! I called Navy Federal to lodge a complaint. I was told to go online to submit my complaint, which I did on XX/XX/XXXX. I received a generic acknowledgment on XX/XX/XXXX stating someone would contact me. I have yet to hear anything from Navy Federal. Having worked in financial services my entire career and knowing what disclosures and protocols must be followed, I find Navy Federals actions unacceptable and deceptive. | ||||||
| 04/30/2021 | Yes |
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| I applied for a Home Loan online through Navy Federal Credit Union. Prior to applying to this loan I also applied for a loan through another financial institution. When I was called by the Loan Broker I was at work but she didnt seem to care and wanted information at that moment. I called my wife on a 3 way call so she could provide the info because at my job I can not talk and the Loan Officer was being quite rude and demanding. She was asking about our down payment, income all standard questions. But it was manner in which she was asking. She was nasty, badgering and very discriminatory. How much money you have? What else? Thats All? Hmm not sure what I can do. What are you trying to get? Hmmph ... Do you have more income? A bigger down payment etc etc My wife mentioned that on the website it stated that the loans had no down payment. She immediately said we wouldnt qualify and didn't say why. Then my wife stated what if we got iur own down payment she said " nope not with Navy ''. Her tone wasnt of a Agent trying to assist with a home purchase. She finally said maybe she could offer {$150000.00} ... We were baffled.. Maybe??? Was this a game or business transaction. The irony was were approved for XXXX before this transaction as well as a few months ago. So we found a huge disparity in the number she provided. Furthermore we got a denial letter in the mail that citied a XXXX credit school with serious delinquency etc but then it states ***NO DEROGATORY INFO FOUND IN THE FILE. Also it states Excessive obligations in relation to income. Can they please prove this. My income pays rent. I have no debt in my name. No student loans, car notes, child support etc. When we pull the report there is no derogatory info there. So why was our loan denied? We cant prove it but our voices and names are distinctively XXXX. And from the moment the Loan Officer came on the phone she was rude was unprofessional. | ||||||
| 11/19/2023 | Yes |
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| On XX/XX/2023, I received a phone call from a Navy Federal Credit Union Representative. He stated his name and began to talk to me about me about my checking account being 51 days past due and that it is on a freeze/hold until they receive a payment. I asked him are you calling to collect a debt? He said yes but never disclosed the reason for his call. He stated that they have tried to contact me multiple times and when I asked him about the dates they tried to contact me, he only stated 2 dates ( XXXX and XXXX ). He was the 5th representative that I have spoken to about this matter. I asked XXXX did they receive my deposit voucher? He stated that he did not see it in his notes. I said I have the green slip receipt stating that your company received it on XXXX and I explained that this debt is supposed to be discharged due to the tender of payment that was refused on XXXX and I wanted to know why was my account credited {$160.00}? He said it was an courtesy credit but it does not give a specific reason why. I said it was due to the Notice of Rescission that I submitted on XXXX ( Confirmation # XXXX ) I then asked his is Navy Federal Credit Union with the Truth in Lending Act and said yes angrily and asked me did I want him to hang up on me? I stated that he called me and I wanted my questions answered and that I was recording the conversation as well. He hung up on me. As I done my research, Navy Federal representatives have called me about the same matter on XXXX at XXXX, XXXX at XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX at XXXX from multiple navy federal credit union numbers and no one has disclosed that they are calling to collect a debt. I have recorded most of these calls because I stated each time that I wanted my account to be in good standing due to the fact that my children 's accounts are under my account as well and they still have money in their accounts. | ||||||
| 07/27/2023 | Yes |
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| Navy Federal Credit union recently closed out my account due to 3 payments past due I didnt get anything in the mail stating that my account was going to close out, I contacted Navy Federal in the month of XXXX to let them know I was getting evicted due to not being able to pay rent, I let them know I would be now living inside of my car. I call maybe or around the XXXX to let them know my lawyer and my former employer were in mediation and we were about to reach the settlement process. I let them know Id be getting a settlement really soon, thats when I was informed that my account was closed. I have been out of work for months due to my injury and I informed Navy Federal Credit union of that, I had to obtain a lawyer because the workers comp wouldnt pay for anything and they still havent thats why we are in the settlement process, they still closed out my account. There was nothing I signed stating that if I missed 3 payments my account would be closed out. I asked the representative to provide that to me and she said i didnt sign it. I informed the representative I could obtain a job and have all of my earnings going into the Navy Federal account if they open it back up, I informed her i would do this into the settlement comes in. I also attached documentation of the mediation process with my lawyer, and me living inside of my car, and other things aswell to Navy Federal Credit union. I also received money from the dealership I got the car from because the car had mechanical issues, I signed a agreement stating that the money was to go to the car only. I took some of that money and paid my bills, I told Navy Federal this was money for my car not for bills. Now I am still having issues out of the car, because I chose to pay the credit card and car loan instead of getting everything on the car fixed. I say this to say, when I had the money I paid the debt I owed, regardless of the situation. | ||||||
| 01/14/2023 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union reported XXXX late payments to the credit bureaus which is not accurate and instead of reporting payments as current, they provided me XXXX letters confirming the dates of our deferred payment plans and assigned me, the consumer, the responsibility of making the dispute to the credit bureaus for their violation of reporting accurate account information. I used these letters end of XX/XX/2022 to dispute the late payments that were inaccurately being reported to the credit bureaus via XXXX XXXX and certified mail. I have evidence that shows that XXXX had brought the account to current and then immediately reposted the same inaccuracies XXXX week later, and adding another inaccurate reporting of an increase of the balance, bringing my XXXX XXXX down XXXX points. Being that a compromised credit report and low XXXX XXXX can also compromise living qualifications such as housing, transportation, and more, this deliberate neglect and malpractice is costing more than {$1000.00} per violation. I am building this record of malpractice to the government agency 's records of the misuse of my credit reports. In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union and XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have enclosed in the attachments, the previous dispute through Consumer Finance, as well as the screenshots through XXXX XXXX 's current XXXX credit report of the Navy Federal Credit Union account to support my claims, as well as the current balance through Navy Federal Credit Union. | ||||||
| 02/10/2018 | Yes |
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Web | Servicemember |
| I disputed/filed a claim for a charge that took place on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$110.00}. I was charged twice for 'shuttle services to and from the resort on XX/XX/XXXX in the amount of {$110.00}. I called Navy Fed and disputed 1 of the charges as XXXX XXXX issued only 1 credit and not the 2nd credit. Navy federal took the claim and advised, that I would receive a provisional credit while the investigation is going on back XX/XX/XXXX. A credit was issued and then, I received a message from Navy Federal on XX/XX/XXXX stating a debit will take place for the {$110.00} on XX/XX/XXXX as documentation is needed to show proof that I paid another service for our shuttle. I replied with proof from my XXXX showing charges for a commuter to and from the resort and an email from the resort showing, I cancelled the shuttle service and was no longer in need of their service. After, I provided this proof I never heard anything else back from Navy Federal and they did not take the provisional credit back until XX/XX/XXXX. When, I called NFCU they told me the credit is being removed from my account because XXXX XXXX provided a credit back on XX/XX/XXXX which only took care of 1 charge but not for the 2nd charge of {$110.00} which is what I disputed with NFCU. I called and spoke with NFCU XX/XX/XXXX customer service supervisor XXXX and she stated, she will open a new claim and advise the claims department only 1 credit was given from XXXX XXXX and not 2 credits. I do not know how NFCU did not know only 1 credit was given. Instead, they debited {$110.00} without sending me another email stating this was to happen. If NFCU looks at my account, they will see 2 charges from XXXX XXXX for {$110.00} and 1 credit given to me from XXXX XXXX for {$110.00} and only 1 provisional credit given to me from NFCU. So, how could they assume XXXX XXXX gave me a credit for 2 charges in the amount of {$110.00} | ||||||
| 06/24/2017 | Yes |
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| In XXXX of 2015, I was asked to be a co-signer on a personal loan. After applying I was never notified or made aware of the payment or interest rate by the bank or the borrower to make a decision on whether I wanted to accept the terms and agreement and move forward with the loan. Upon finding out that the loan was actually taken out and I was a co-signer, I contacted the borrower and he advised he accepted the loan terms without my knowledge. I then contacted Navy Federal Credit Union and was advised I needed to sign the promissory note. In which I advised I was unaware of the loan and would not agree to sign it. I then made an attempt to contact the credit bureau to dispute it off of my credit report and it remained. On XX/XX/XXXX, I contacted Navy Federal again and was told that the promissory note was not signed and they did not need one to distribute the loan. Whenever you take out a loan the law requires you whether borrow or cosigner to sign the document which signifies your agreement to repay the money. In this case there is no agreement ( signed promissory ) advising that I accepted the responsibility of cosigning the loan with a payment of {$630.00} a month and an interest rate if 17.950 % for 60 months which is ridiculous. With this tells me is, if a person apply or in my case cosign a loan, I am a not provided with an agreement outlining the terms and conditions ( interest/payment ) and giving the opportunity to say either yes I agree with it or not I do n't. Which in this case I would not have agreed to it. I have not seen a promissory note nor does Navy Federal have a signed one on file with my signature agreeing to these terms. So essentially the process is - cosign a loan, provide no documents to cosigner to review and sign agreeing to the terms, just distribute the loan without the cosigner knowledge. If this is the process for Navy Federal Credit Union it is misleading and unfair. | ||||||
| 11/17/2021 | Yes |
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| I was under covid forbearance for my mortgage with Navy Federal. I discussed options with them to come out of the forbearance and resume normal payments on my mortgage in XXXX. The loan modification option they provided would remove the interest charges that occurred during the forbearance period and roll in any missed escrow payments back into the loan, which I agreed to, total loan amount would be ~ {$320000.00}. I was told the paperwork would come in the mail, which it didn't. I called Navy Federal in XXXX to request an update on the process and was told it was sent to my email and would have to be redone. Even though I had talked to Navy Federal representatives several times over the passed two months on other matters, my mortgage account was never mentioned. After going through the options again with Navy Federal, I once again agreed to the loan modification and was told to watch for an Email from Navy Federal. I received the email a few days later and it was to resume my payments and a lump sum payment of any missed payments due at the end of the loan, which I didn't agree to. This time the amount due was ~ {$310000.00} with a ~ {$39000.00} final payment due at the end of the loan. After calling Navy Federal again, they realized the mistake and processed the loan modification request. This time the amount due on the loan is ~ {$340000.00}. After calling Navy Federal again, I was told they were no longer removing the interest charges that occurred during the forbearance and that this is the only option they would give and the additional {$34000.00} added to my principal balance was for escrow, interest charges and late payment fees. The representative refused to assist in any way and just repeatedly stated there's nothing that could be done and I missed my opportunity to agree to a lesser amount, effectively holding my house XXXX over me, either I agree or next steps will be taken against me. | ||||||
| 03/20/2020 | Yes |
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Web | Servicemember |
| Lender : Navy Federal Credit Union ( NFCU ) Loan Number : XXXX I submitted a complete application for a home equity loan and based on the letter I received the application was submitted on or before XX/XX/2020. The letter I received shows my new loan number and explains I have the right to receive a copy of the appraisal and is one of the attachments here. On XX/XX/2020, I called NFCU to find out the next steps towards the process, and the representative confirmed that my application was being processed, but due to the high volume of applications I might not hear from them until the following week. On XX/XX/2020, I called NFCU again, and I was told that my loan was denied because they decided not to process any more applications for my type of loan and that decision was made on XXXX My complaint ( s ) are : 1 ) Why did NFCU accept my application if they were no longer offering the product I applied for? 2 ) Why did the NFCU representative on XX/XX/2020 confirm that my application was being processed and not mention that my loan was being denied if the decision to suspend loans had already been made? Why did he ask me to call back in a week? 3 ) Why does the NFCU web site specifically state that in regards to the suspension of loan applications " This update doesn't affect applications that have already been submitted. '' 4 ) Why did NFCU never contact me to let me know they were changing direction with my application? and finally 5 ) Why is NFCU infringing on my rights under the Consumer Credit Protection Act to have access to financial products just like other people with similar qualifications? Attachments : Letter regarding right to receive a copy of the appraisal dated XX/XX/2020 Screen shots from the NFCU web site indicating my application was submitted and is complete. Also a screen shot of the loan suspension announcement indicating there is no impact to applications already submitted. | ||||||
| 02/14/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I called Navy Federal to report an unauthorized debit from XXXX XXXX. I am a Provider and receive payments from them several times per week. XXXX debited {$2600.00}. Before I called NF I spoke to several departments and supervisors at XXXX. They had no record that I owed any money and they did not see the debited funds under my Provider number, TIN, or bank account number. When I called NF I reported this to the rep including names, departments, and responses. She typed it up and sent it and said that it could take up to 10 days to process. I never heard from NF. I called again on 2/1 to ask what was the holdup. Another rep took my information down and sent a message to the back office and told me they would follow up within 24 hours. On XX/XX/XXXX I reported that another debit had been taken from my account. The rep stated an investigator would be assigned and it could take 10 days to follow up. I called again this morning and spoke to a supervisor in the fraud department who read a letter sent to me stating that they had reached out to XXXX and I should call the 1800 number. I explained again that I had spent over 4 hours talking to several people who could not tell me why the money was taken and they could not see the money had been taken. I also found a doc from XXXX that explains that funds are never debited from provider bank accounts and explains how overpayments are resolved. XXXX will leverage any overpayments against future payments. They never debit your account. I have been a provider with them for 5 years. Further, to date, I have not gotten a letter, request or any other correspondence from XXXX relating to the debit. As I stated there is NO record that the funds were taken from my account. I had to ask NF to put a stop payment in place to prevent future debits. That should have been done initially but NF never took the complaint seriously. I had to request they do it. | ||||||
| 03/02/2023 | Yes |
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Web | Servicemember |
| I have a {$200.00} secured credit card with Navy Federal. My balance on my card was {$420.00} I was 60 days late on making my payment. I made a {$420.00} payment on XX/XX/XXXX a duplicate payment was sent for an additional {$420.00} Upon realization of the additional payment I requested for it to be canceled. I asked for it to be sent back to my XXXX XXXX checking account ( which is where the funds originated ) Instead of sending the funds back the {$420.00} it was put into my Navy Federal Savings account. I have no access to move any money except to my credit card so I used my credit card to make purchases I then transferred money from my savings to my credit card to pay down my balance. My savings account has a balance of {$0.00} my credit card that I just paid off twice ( which again only has a credit line of {$200.00} ) is currently at a balance of {$310.00} I have not been able to transfer my money to any account except for my credit card. I was then informed that my original {$420.00} payment that posted on XX/XX/XXXX was declined due to insufficient funds. This was on the day when I received my tax returns and 2 separate deposits from both my jobs. The first payment I made when I got my money was the {$420.00} to pay the balance of my credit card. Once again NFCU has no idea how this occurred other than to blame me and leave me stuck with the bill. I have had my checking account taken away after I was the victim of fraudulent charges. I am also in risk of losing my account and being made to look like my claim is misleading and untruthful. I do not have money to afford the legal defense to file a lawsuit in court and prove my claim. Because of this NFCU continues to ignore my requests to resolve this. Sadly, Banks get away with this all the time. Im sure when they inevitably face another financial crisis they will fortunately not have to endure the same treatment and will instead be saved. | ||||||
| 01/09/2021 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union took money from my account that had just been opened after NOT allowing me open after 28 years. I had a BK in XXXX that was discharged from XXXX county. I had two items with NFCU, a consolidated loan for approx 18K and apparently a visa that had a balance of approx 4300. For the past 28 years Id been trying to re-establish credit and was never able to open an account online. No one at NFCU could ever tell me why not. In XXXX of XXXX, a rep finally told me it appeared that a there was a block on my account due to some uncollected debt. I had explained that was part of the BK back in XXXX, she said oh no problem, Ill eat the BK dept know I had also asked if any money would be taken if I began to deposit money and she said not, its been cleared up. Well, I began to transfer money and once I hit about XXXX dollars in the account, two week later NFCU debited my account and said it was for the uncollected money from this visa. I had begged and pleaded telling them I had the case number, the date of the BK and that money was not theirs to take, it was part of the discharge in XXXX. They said they saw the BK filing, but dont have anything on file that shows it was discharged. I asked them to try to find the consolidated loan as they didnt collect for that one. If they could find the old records on that account, theyd see it was all part of the same BK. They could not locate the other loan, they said they had no record of that other loan at all. In my opinion, thats because it was DISCHARGED. I have written to the president, XXXX XXXX who just forwarded my information to the BK department but the BK dept is not willing to release my money back to me. Its been 28 years, they have never made an attempt to collect this money, I was never notified I still owed this, had that been done properly, I could have provided the proof way back in XXXX. They took my money and I want it back. | ||||||
| 05/31/2019 | Yes |
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Web | Servicemember |
| NAVY FEDERAL CREDIT UNION ( NFCU ) FAILED : to provide timely lending as they promised & accepted payment for. Their breach in timely service caused the delay in closing of my home purchase, which resulted in my emergency expenses, time demands for coordination, risk of loss of transaction, & risk of loss of earnest money payment. NFCU CLAIM : NFCUs untimely realization of the correct address of the property purportedly contributed to their late ordering of the appraisal. Further, the untimely departure of the NFCU employee handling my account may have been a contributing factor in their purported late recognition of the property address. NFCU CLAIMED SOURCE OF CONFUSION : NFCU received one courtesy copy of a document detailing my offer to purchase a house, however I did not win the bid to purchase that property. On a future date, I contracted to purchase a house & provided the sales CONTRACT signed by myself & the selling owner of the property. Numerous subsequent documents & emails with the ONLY house I ever contracted to purchase were provided to NFCU. Then I paid NFCU for the appraisal of the house. COMMUNICATIONS : multiple verifiable emails, receipted document uploads, legally recorded conversations & phone calls completely prove complete notification of the property address. LOSSES & GRIEVANCES : my losses are more extensive than this form allows for me to elaborate, but briefly, I incurred excess expense due to NFCUs delay : hotels, eating at restaurants, loss of other appliance transactions, loss non-work holiday days to accomplish moving tasks, the closing transaction, & house repairs, unutilized activated utilities, & more. Multiple written requests for due relief have gone unanswered. Some acknowledged requests have been reported back to me incorrectly on subsequent conversations. I believe I have fully exhausted all direct means of coordinating an offset for their negligence. | ||||||
| 10/22/2022 | Yes |
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| Navy Federal Credit Union is the lender for my mortgage. In XXXX I called them to request forbearance under the CARES Act. When I called to request forbearance, the operator told me that by requesting forbearance it would impact my ability to obtain loans and asked if I wanted to proceed. I asked her why and how if technically under the CARES Act, the lender is supposed to continue to report the payments as being current if the borrower has been current on their mortgage. She then told me that it was up to the credit reporting agencies to decide how they would report the information on my credit report. I again asked her for more information since Navy Federal is not supposed to change its reporting. She ended up telling me that Navy Federal would most likely not extend credit to me during this time and asked if I wanted to proceed. I said yes. As we were going through the process, she also explained that after coming off of forbearance I had the option to pay it back in a lump sum before describing other options. She then read me the other options. During my time in forbearance, I received mailings telling me I was at risk of foreclosure. When I called back about two weeks ago to request to remove forbearance, the operator led with a lump sum payment first and asked if I wanted to proceed. I told her I wanted all my options read before I picked which was best for me. After going through the process, the operator also told me that I had to wait a few days to fill out paper work that would be available through their E-system and was told NOT to make a payment until the paperwork process was complete. She also said the papework had to be physically signed and returned by mail. This process is not yet complete though I have returned the paperwork. I went in today, XX/XX/XXXX, to check my credit reports and XXXX has a line next to my mortgage that states : " deferred, payment date not reported '' | ||||||
| 08/05/2023 | Yes |
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Web | Servicemember |
| I noticed Navy Federal Credit Union has a history of deceptive debt collection practices here -- -> XXXX XXXX XXXX Below is what I wrote to them : I am having an extreme financial hardship and {$1200.00} was transferred to a delinquent XXXX credit card ending in XXXX automatically from my checking without my consent. This is a policy I have never seen at any other bank and I wasn't clearly notified this would happen. I needed that for living expenses. In fact, it actually came from my business account ( which I am waiting on a new card ) so it would have never even happened, I was only transferring it to my person to use that card in the meantime, that's it. I am a 100 % XXXX veteran waiting on social security XXXX insurance ( XXXX ). My next hearing is on XX/XX/23 where they make a determination on my case and backpay for the last three years I have been waiting. The screenshot of the XXXX hearing and the amount transferred if attached. I did talk to the collections agent who only could reverse the recent transaction of {$43.00}, and that hasn't happened either, so I was lied to. This is making me not want to bank with Navy Federal at all, although I know you have to collect debts, to collect them against a consumer 's will is unethical and I don't remember the credit card application making that clear. It was one of those things in the " fine print ''. This is a shame as this bank is for XXXX XXXX service members and veterans, so there was a degree of trust in selecting you. XXXX is FAR better I have realized and I have had them for over 12 years. At the bare minimum, I will be writing poor reviews about these tactics and when I get the chance, I will no longer bank with NFCU. I also have finance lawyers IF NEEDED, but this is ridiculous. I have had to change old banks for other practices that were not right which later got the banks sued like XXXX XXXX and XXXX XXXX XXXX | ||||||
| 05/03/2017 | Yes |
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Web | Servicemember |
| On XXXX XXXX , XXXX I pulled my XXXX major credit reports from XXXX . I noticed an account being reported by Navy Federal Credit Union that I had no knowledge or record of. I disputed this account with all XXXX agencies under the complaint of " account does not belong to me ''. On or around XXXX XXXX , XXXX I received an updated credit report and a summary of the investigation that simply stated " Information validated as accurate ''. No reason, method, or support to that statement. In the updated credit report I found that not only did they not resolve my complaint but they allowed Navy Federal Credit Union to update information on the account from charge-off with a balance of XXXX and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from XXXX to XXXX , and tack on XXXX reports of 90 days late to account that had a previous balance of {$0.00}. I then disputed this new information with all XXXX credit agencies with the investigation results once again stating " Information v alidated as accurate '' with out anything to support that statement. I then proceeded to file a complaint with the BBB against XXXX about the matter. However, the BBB did nothing but open up a line of communication with XXXX . No investigation supporting documents were furnished to support their findings, and they refused to correct the issue. I then made direct contact with Navy Federal Credit Union. Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for XXXX and hung up. I am now in the process of initiate XXXX last effort to have the report corrected before I pursue legal advice on handling the matter. | ||||||
| 11/16/2022 | Yes |
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Web | Servicemember |
| I am unable to get into my account and would like to reopen the dispute with jaexports I was overcharged {$1600.00} from a company and i've been fighting to get my money back. At I provided Navy Federal with documents hoping they'd be able to help me retirieve the funds. They claim was denied so I tried to appeal. Navy Federal wouldn't even try to assist and kept telling me they didn't everything they could and got denied twice. They wouldn't even take the time to appeal and use the additional documents that i acquired and said they would not appeal.i don't seem to understand why they won't appeal or even look at the additional documents provided. not only is this the second time but third time this has happened with no communication what so ever and refuses to even look at documentation. I have provided valid documentation with information as I wasn't the only one dealing with the issue of fraud. I see this company has a lot of issues of resolving fraud claims and doesn't seem to really care at all. I speak with customer service at which they seem like they know absolutely nothing because each time I get provided different answers at which just confuses me more. they say they can't contact the fraud team but when I ask again someone else does contact them and the list goes on. Navy federal makes me not want to bank with them anymore as they dont seem to care for their customers at all and I see again I'm not the only one facing the same issues with this bank. All I want is my money back for the claim filed for the third time on XX/XX/10 confirmation number XXXX in the amount of XXXX. that is all I'm asking. Information is XXXX XXXX and email on the bank account is XXXX. I want my refund / reimbursement for all this trouble As I have provided all documentation to support my fraud case and you all refuse to send me what was used to not accept the case as I have asked multiple times | ||||||
| 08/17/2019 | Yes |
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Web | Servicemember |
| I had a dispute with XXXX and navy fed got my money back $XXXX I bought the ticket from my XXXX acct but they could not put it but into that account after trying two times the system said it came from my joint acct but they saw there was no money in that account so they did not know why the system was saying that it did. They had to put the money in that account because the system would only allow it to be put there. Ok now the took $XXXX or close to that to pay a bill for my daughter because now it's her money because it was in that account. The department have explained to them many times what happened and why they need to give me my money back but now they are saying I owe to so if they did not take it for XXXX they would have taken it for me. Well they told for XXXX and it was not her money and there mistake put in the account in the first place I did not. The mistake is that the last 4 numbers of both debt case from both accounts are the same so the whole number was not put in only the last four. Again navy fed mistake but the collection dept will not give me my money back. The department that made the error has explained the mistake to the many times but again they said the would have taken the money from me. Well what they would have done is not the issue what they did is. If they had taken the money to pay my bill ok but they didn't they paid XXXX bill and again I did not put the money in the account the mistake did. I told it out and put it into another account but when they said they had to I vestagate what happened I put it back. They said I didn't have to do that but they understand why I did. Some one needs to give me my money bank all these bank errors should not gave me lose my money they need to be more careful when they are dealing with people's money this a bank and there job mistakes like this should not be happening and the customer should not suffer for it | ||||||
| 06/28/2022 | Yes |
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| I received stimulus check for {$4200.00} from the Department of Treasury of the U.S. issued XX/XX/XXXX it was mailed to my address in XXXX CA XXXX in the summer of XXXX. I delayed in cashing the check because I misplaced my mail key and I also wanted to check with the IRS if it was a check truly granted and issue to me. I checked online on the IRS website and confirm it was a legitimate stimulus check issued in my name. I deposited the physical check at my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in person at the XXXX, CA branch and XX/XX/XXXX I was able to review my account and noticed the deposit was reversed on XX/XX/XXXX. I called customer service and they informed the same check was deposit at Navy Federal Credit Union. I then went to the XXXX XXXX XXXX XXXX XXXX XXXX Branch to get a copy of the check but unfortunately, XXXX XXXX XXXX XXXX XXXX didn't request the copy of the check processed by Navy Federal Credit Union. I was told they couldn't retrieve this information and I had to contact Navy Federal Credit Union or the IRS and reach out to their Fraud Department. After several attempts in person and over the phone with both credit unions. I was able to obtain a fax number to the Fraud Security Department at Navy Federal Credit Union when I called the customer service line XXXX the refused to put me in contact with their fraud department and all I was able to obtain was a fax number XXXX. I wrote my concern and sent them the copy of my processed check returned by my credit union for their review on XX/XX/XXXX and have not received a courtesy call back or email from their Fraud Department. I now received by XXXX the copy of the check Navy Federal Credit Union processed with the name of XXXX XXXX from XXXX, AZ and I'm going to complete a police report and I will deliver to them soon. My goal is to get an address where I can send this documentation after my complaint is filed. | ||||||
| 06/24/2017 | Yes |
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| I received a settlement check from a car accident on XX/XX/XXXX for {$3800.00}. The attorney banks with XXXX XXXX XXXX. After taking a picture of the check and making the deposit I placed the check in a folder where I keep important documents. In XXXX I was going back and fourth to the library and I carried my folder with me. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my vehicle detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted XXXX and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and noticed the check was not there. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted XXXX again and filed a fraud claim on our account. I went to XXXX County Police department XX/XX/XXXX -and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. OnXX/XX/XXXX I received a copy of the check from XXXX. The check was presented to Navy Federal XX/XX/XXXX on XXXX XXXX. I went to that Navy Federal branch and spoke to the manager he stated the fraud would need to be handled by XXXX and XXXX. I went to XXXX police dept and filed a police report Case # XXXX. The detective stated he spoke to the person that cashed my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. It is nowXX/XX/XXXX all involved banks are stating it is not their fault it is the other bank. XXXX and XXXX have both closed their fraud investigation and I do not have my money back. I have fallen behind ALL my bills because of this situation and would like for this to be resolved immediately. | ||||||
| 04/24/2018 | Yes |
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| I opened a checking account with Navy Federal Credit Union on XX/XX/XXXX. My niece XXXX XXXX XXXX ( a minor ) was a signer on the account. I had some financial difficulties including a withholding order from the California Franchise Tax Board which resulted in several checks that I deposited being returned. Due to these continued financial difficulties, I was unable to make deposits into the account to bring it to a positive balance and the account was charged off on XX/XX/XXXX. To my knowledge, Navy Federal has made no attempts at trying to contact me to collect the balance due on this account. They have my social security number and my current credit bureau report reflects my correct address, telephone number and employer information. Instead, they reported this charged off account on my nieces credit bureau report. She was a minor at the time the account was opened and was still a minor when the account was charged off. She has recently married and her new husband banks with Navy Federal and tried to add her to his account, which they denied. They have repeatedly contacted her to secure payment of the charged off amount, even though I am the legal account holder. They have refused to assist her in both the branch and through their corporate channels. She requested an investigation into this matter and received a response stating that the Financial Crimes and Risk branch at Navy Federal had completed a thorough investigation and denied her claim, informing her that she would need to pay the balance due before they would remove any negative information or consider adding her to, or opening new accounts for her. Again, she was a minor over the life of the account and is not contractually liable for the charged off balance. I would like this information removed from her credit bureau reports and the records of the credit union, since she is not legally responsible for this debt. | ||||||
| 11/08/2023 | Yes |
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Web | Servicemember |
| On Monday XX/XX/XXXX, I had a deposit of my XXXX payment to my XXXX account. I logged into the app and transferred {$3000.00} to my linked Navy Federal Credit Union account to pay some of my bills. The transferred had reflected as going through. I had a balance left was {$780.00}. I logged off the app once I was done. I tried logging back in to check to see when my insurance payment was due and got a message that I was locked out of my account. I called XXXX and told them something was going on with my account. They told me that I was locked out because there was several transactions done that looked suspicious and someone had breached my account and locked me out. She also said they believe that they got my Navy Federal account number as well. I then called Navy Federal right after on XX/XX/XXXX and the next morning XX/XX/XXXX to report to them that there had been a breach on my XXXX account and I would like a fraud alert added to my account there. No one explained to me on each call that they do not do " fraud alerts '' just add a note to the account. On Friday XX/XX/XXXX, I called XXXX to get a status update on the process and I was told they decided not to give me my funds back and my account was in the negative - {$110.00}. They also stated that they sent a letter to Navy Federal requesting the {$3000.00} be sent back to them which put my account in a negative status- {$2000.00} ( currently ). Navy Federal took {$1100.00} from my account and sent it to XXXX and did not notify me they had received this letter. They also took {$540.00} out of my savings account. They closed my account ending in XXXX and opened a new one then added the negative balance. It now shows - {$1400.00}. I now have no funds and no way to pay the rest of my bills. They are in violation of 15 U.S. Code 6821, 15 USC 1692g 809. Validation of debts and 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION | ||||||
| 07/20/2022 | Yes |
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| Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted CPS agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally kidnapped our children and who knows how much they suffering from their criminals activities, which is called in the criminal driven market kids for cash. CPS created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from CPS custody is a piece of cake for him, later as we found out, he was giving courses to white XXXX crimes cyber criminals,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from MyFICO account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from MyFICO and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my gmail account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach OIG SSA or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online. | ||||||
| 07/30/2020 | Yes |
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| on XXXX and XX/XX/XXXX someone managed to clone my debit card and withdrew a total of {$3000.00} from the same ATM at a local XXXX. Navy Federal failed to detect fraudulent activity even though the perpetrators entered my pin incorrectly at least once and the transactions were way past my spending habits. on XX/XX/XXXX the perpetrator attempted to withdraw some more money but it was then when Navy Federal detected fraudulent activity and notified me via text followed by a phone call. I checked my purse to make sure my card was still there and indeed my card hadnt been stolen or misplaced so I had no idea how this was happening. The representative deactivated my card and went over my last 3-5 transactions but failed to notify me that money had already been taken out at that same ATM where they detected the fraud. It wasn't Until I went to the actual branch on XX/XX/XXXX to deposit a check when I noticed I had a lot less money than I thought I had and reported the fraud to someone at the branch who helped me open a fraud claim. It was that weekend where my claim was denied so i got the police involved and on XX/XX/XXXX I had to take off work and had a police officer dispatched to me to that same ATM location to investigate what I reported. The officer witnessed more than one individual conducting these transactions and therefor opened an investigation. I provided a police verification report to navy federal in order to appeal their decision and was denied again based on them saying " my actual chip was used '' I provided a redacted version of the police report where it states in detail what the officer saw and Navy Federal still refuses to be responsible for the {$3000.00} that were stolen from me. Every single time I call they are not helpful and arent specific on what documentation they need from me in order to prove these transactions were not done with my original debit card. | ||||||
| 04/19/2023 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, I discovered that Navy Federal had auto loan rates ranging as low as 4.74 - 5.74 % for new and used vehicles for up to 60 months. There are 3 categories, new vehicle, late model used vehicle, and used vehicle. I submitted an online auto application, however, instead of there being 3 categories, there were only 2, new and used, so I chose used for 60 months with a trade in. I received a message at the end of my inputting my information that I needed to call in to have my application reviewed. I did just that and spoke with a rather uncooperative agent. She informed me that Navy Federal can offer me an interest rate of 5.44 % I asked her why so high, when my credit score range near XXXX, surely, I should qualify for the lower rate. She stated that is what is offered for a XXXX vehicle. I said to her, the website state late model used vehicle, but that wasn't an option during the application. I told her I wasn't happy with that and I would like a further review of my application with someone else. Later, I told her if they are unwilling to review my account then cancel my application because it's is false advertisement. XXXX weeks later, I received a letter in the mail of credit denial due to level of delinquency on accounts ( which my XXXX report has XXXX adverse account ), too many accounts with balances ( my accounts have less than 35 % utilization and low balances, too many inquiries, and length of time revolving accounts ( I have XXXX revolving account XXXX XXXX that is less than a year old ). I then began emailing XXXX XXXX and XXXX XXXX of my less than favorable experience. On XX/XX/XXXX, I spoke with XXXXXXXX XXXX XXXXXXXX assistant whom called me to offer me a rate of 6.9 % for a XXXX vehicle and after asking what factors determined that, she informed she could not disclose. I feel as though Navy Federal has discriminated against me with false information. | ||||||
| 09/15/2023 | Yes |
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Web | Servicemember |
| My name is XXXX XXXX, me and my husband XXXX XXXX bank with Navy Federal. My husband has been incarcerated for over 18 months, I am his legal POA while he is in there for the next couple years. Our joint account has some kind of security block on it, not allowing us to withdraw funds. I have provided them with the POA as requested and as stated by XXXX of the supervisors I spoke with once the POA was accepted I would be able to speak to the security department since I am his POA. I submitted the POA on XX/XX/2023 and called to check on the status on XXXX XXXX and was told my POA was denied and told my husband would have to call in. I reiterated his situation to them and told them he can not be on the phone all day, he only gets XXXX minute calls whenever they are allowed rec time. We called today XX/XX/XXXX my husband was on the line verified his identify with the Representative and we were transferred to the Security Department. We were told the wait time was XXXX minutes, we were on hold for almost XXXX hours and finally got a Rep when I asked her to give me a second to get my husband back on, she hung up on me. I called again and waited the same amount of time and hung up on again. I called back to express my frustrations and was met with the same hogwash, that I can not speak to the XXXX department even though I am legally my husbands representation. This bank 's employees and supervisors have told me XXXX thing then tell me thats not true, I do not appreciate being lied to and laughed at as I'm in tears frustrated trying to get access to our families livelihood. My husband is a XXXX XXXX XXXX who unfortunately found himself in an unforunate situation, which is already hard on our family then to add this bank making me jump through hoops for nothing when I am my husband 's POA, they can have the POA paperwork to verify it is valid. I am extremely frustrated at this point. | ||||||
| 06/13/2022 | Yes |
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| I purchased a sofa from XXXX XXXX XXXX online and used my Navy Federal XXXX credit card and the charge hit my account on XX/XX/2022 in the amount of {$1400.00}. The sofa was delivered on XX/XX/2022 and was defective. The retailer asked that I accept the delivery and they would correct any issues so I let them know what the issues where, 1st, the material was pulled away from the back of the sofa and 2nd, the entire back was loose and visible moved when you sat down and creaked loudly. After several weeks of going back and forth with the retailer, they offered {$95.00} to fix the material that was pulled away and did not address the loose back only to say the humidity can cause that which is completely untrue. At that point, I contacted Navy Federal to dispute the charge. I completed all the information necessary and Navy Federal did credit me back the {$1400.00} on XX/XX/2022 and said they would wait to hear back from the retailer. I then saw where the funds were charged back to my account again on XX/XX/2022 so I contacted Navy Federal and was told that the retailer provided information stating I did not follow their 7 day return policy ( which in not true ) and that Navy Federal would send me the retailers response and that I could appeal it and hopefully get my refund since I have a broken sofa sitting in my home. That was the last I have heard from Navy Federal and of course they still have the charge on my account, they just stopped communicating with me and of course I'm sure there are time limits on these appeals and it looks like I'm going to be stuck paying for a broken sofa and no one will call me back or give me any guidance. I've contacted the retailer with no luck, the manufacturer with no luck and most importantly, Navy Federal with no luck. I even sent Navy Federal a letter addressed to their XXXX, XXXX XXXX on XX/XX/2022, again with no response. Please help!!! | ||||||
| 01/10/2021 | Yes |
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Web | Servicemember |
| I applied for a refinance with Navy Federal Credit Union back in XX/XX/2020. I advised the mortgage counselor I woul be traveling so please let me know what things she would need so I could submit everything before I left. This counselor has done everything in her power to give me the runaround, just yesterday she wanted to order a new appraisal because of all the time that has passed. Several representatives offered to have a supervisor reach out, but none ever did ( at least 7 people said it ). This loan is a {$90000.00} refinance, everything needed was submitted over two months ago ( including everything for closing ). The mortgage counselor is deliberately holding my loan and no one at the company will intervene. I requested to have the .75 % up charge waived on my interest rate, she offered to submit the form for my request. She called me back 5 minutes later, the same day to tell me she saw that I had just changed my address and she was looking through my bank deposits and saw I was getting deposits from NY. So, I yelled at her and told her all I asked her to do was to request to have the fee waived. She tried to imply my interest rate was gon na be higher because it wasnt my primary home. Yet, the interest rates are listed for first and second homes. She tried to discriminate against me, because she had a problem with me getting the lower interest rate. At this point she hasnt moved my loan, and when the escalation team called me she beeped in on the other line. Escalations department told me that I had to answer the call, so they never addressed the complaint but had the mortgage counselor call me. As I am talking to the mortgage counselor, she begins to request stuff that was senseless. I am not sure why Navy Federal service has gone downhill but I am moving my money to another financial institution. She is not 5 months into this asking for paperwork all over again. | ||||||
| 04/21/2015 | Yes |
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Web | Servicemember |
| XXXX XXXX, I filled out paperwork for the XXXX XXXX XXXX claims insurance which covers my auto and visa payment and I discussed payment arrangements with NFCU and made payments on XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX while my account was placed in a XXXX ( NFCU Vehicle Payment Protection Plan ) status. Although, all the correct paperwork was filed my account was placed in the NFCU Collection Department and giving a " Delinquent Status '' & every other day I was called about making a payment while also receiving XXXX dollar checking overdraft fee & on XXXX XXXX XXXX the NFCU Collection Department took it upon themselves to raid all my NFCU accounts including my spouse 's withdrawing at least {$550.00} and applied it to the auto loan. My NFCU Vehicle Payment Protection Plan claim with XXXX XXXX XXXX was approved during this period and a payment of {$820.00} was made to NFCU on XXXX XXXX, XXXX canceling payments that I had made from the period of XXXX XXXX XXXX XXXX while determining if any additional payments were to be cancelled for XXXX. On XXXX XXXX, XXXX NFCU collection department took out {$830.00} from my account interfering with my efforts to pay my other bills. These unauthorized withdrawals by NFCU, late charge fees and harassing phone calls keep happening that my spouse closed all her accounts with NFCU and I closed my checking account but I was informed this month ( XXXX XXXX XXXX ) by NFCU collection department that they were still trying to collect from that closed account and that I owed almost {$300.00} in late fees from a " closed '' checking account. They also wanted me to reopen a checking account and have a direct deposit placed in the account instead of me making my NFCU auto and visa payment through another bank. I have asked to have my auto payment moved to another day in the month but was told that NFCU can not change or reduce auto payments. | ||||||
| 11/30/2015 | Yes |
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| I went into my credit union to get a replacement card and they asked if i was interested in refinancing my car. They worked the numbers up after getting the final payoff amount from XXXX XXXX and I saved {$200.00} a month. I agreed to the new loan, they issued the payoff check and I sent it to XXXX XXXX. I just moved house and had not received anything from XXXX XXXX so checked online and found out there was still {$5000.00} owing on the car - the credit union issued the check at {$5000.00} less than the payoff. I immediately call them and they tell me they can see where their agent made the mistake and I could either recall the payment from XXXX XXXX and stick with the original loan, add {$5000.00} to my current loan increasing the payment by {$100.00} more than what they quoted me and adding another year to what I originally had or they would give me the original terms and save {$30.00}. I told them they needed to fix it as I am now required to make a payment on the original XXXX XXXX loan and with their loan, I now have a car payment of nearly {$900.00} instead of {$390.00} which is what they quoted and agreed to. I asked them to contact the original rep and have her fix it and they said no, would have to drive from new york where i now live to va - XXXX hours away and go into the branch. The phone agent was nice, the supervisor was awful and told me it was my own fault for not checking with XXXX XXXX sooner. I explained that i had XXXX, left my husband and had to move my house and business all in a 3 week span and she was not being very helpful. They can see in their system what the correct payoff amount was and that their agent clearly made a mistake and she refused to do anything and again told me it was my fault that I did not check with XXXX XXXX sooner. I was clearly mislead into this loan and they are trying to make me pay more than the terms that were laid out | ||||||
| 10/25/2023 | Yes |
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Web | Older American, Servicemember |
| To Consumer Financial Protection Bureau, I writing with a complaint on Navy Federal Credit Union, and to make you aware of a practice that should be looked into. I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/XXXX XXXX Based on this open dispute Navy Federal put the following comment on my credit bureau reports twice : Account information disputed by consumer, meets FCRA requirements. This statement caused my XXXX credit score to drop XXXX points from XXXX to XXXX. Additionally, the XXXX and XXXX credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, the statement Navy Federal put on my credit bureau file was punitive. I sent two messages to Navy Federal, however, Navy Federal was no help in resolving the situation it caused. Everyone I spoke or wrote to at Navy Federal said, that its the credit bureaus problem not theirs. However, I believe Navy Federal should understand how each statement they put on a members credit bureau file, will impact the members credit score. They should know if it will have a positive or negative impact and they should put a statement on the file that mirrors the situation. Additionally, they should listen to what its members are saying so that they understand what is happening. I contacted each Credit Bureau and they listened and looked at the situation, and knew that my scores should not have dropped. They removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. Then once again Navy Federal put the statement on and my XXXX credit score is back to XXXX. Additionally, the XXXX and XXXX credit scores are XXXX to XXXX. I want my credit scored back to XXXX. Respectfully, XXXX XXXX | ||||||
| 02/03/2023 | Yes |
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| I was informed by a Navy Federal Credit Union representative that I could go to a XXXXXXXX XXXX located in XXXXXXXX XXXX and withdraw a XXXX dollars each transaction at a time. But, the ATM only let me only draw only up to {$400.00} dollars at a time! I only did XXXX transactions then the ATM advised me to contact my financial institution! So, I contacted Navy Federal again! They transferred me supposedly to someone who could help me, but she was sarcastic! She told ne that on my debit card that I could withdraw a XXXX dollars on the debit card, but it is up to the ATM if it let 's me do it. I told her. That's not what the representative told me! She told me that at XXXX XXXX ATM would let me withdraw a XXXX dollars each transaction! So that was misleading information! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only that I am getting charged ATM fees for each transaction! Something needs to be done about Navy Federal and their misleading practices! Now! I want all this to end now! Whatever fees I enquired or encurre from now on! I want back! And maybe the FTC needs to step in or another Federal entity. Because they are not just messing with veterans and their spouse and dependents, but XXXX XXXX military personnel and their families who are risking their lives all around the world 24 hours a day 7 days a week! Some don't see their wives or children for months or even years at a time, but the employees some of them at Navy Federal have the NERVE TO LAUGH! I know about XXXX XXXX. I was an XXXX XXXX United States XXXX at the age of XXXX XXXX XXXX. I went to XXXX, XXXX for a year at the age of XXXX! I went to XXXX XXXX at the age of XXXX! Left on XXXX XXXX 1990 and landed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1990 to fight! And some of them want to laugh! Clean house at Navy Federal is what I say it's not the same like when I was in! | ||||||
| 02/23/2023 | Yes |
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| Today, XX/XX/XXXX, I received a letter from Navy Federal Credit Union requesting that I pay a debt of {$5400.00}. However, I have no knowledge of where this debt has came from. Upon checking my Credit with XXXX, I can see that the Navy federal account, along with XXXX other accounts were all maxed out and unpaid. The Navy Federal account was opened in XX/XX/XXXX ; I'm guessing it was by my mother because I didn't open my first debit card account until XXXX of XXXX. When I did open my debit card account with XXXX, my mother told me that I would be " on her credit '' and that she would hold onto my cards. When she told me this, I had just turned XXXX and knew relatively nothing about credit. Moreover, I just assumed it was similar to having a student banking account. I suspect that she has been using my credit for her own sake. When I moved away from home to start college at XXXX in XXXX, I still didn't have access to these credit cards. While she had them, I can see that she was paying them off on time up until XXXX. We had a falling out and my parents left me to provide for myself. Because they were paying my phone bill and stopped so suddenly, I had to save up for a new phone ; I ended up losing her contact information. My mother also blocked me on all social media, leaving me with no way of contacting her on the matter. After this falling out the cards associated with my name have all were maxed out and haven't been paid off since. I have tried to file for identity theft this past summer and have spoken to my XXXX about the situation ; however, I don't think it filed it correctly. Just for informational purposes, the other XXXX accounts were : a XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), a XXXX XXXXXXXX XXXX XXXX ( opened XX/XX/XXXX ), and a XXXX XXXX XXXX ( opened XX/XX/XXXX ). There is also an XXXX card under my name that has been terminated and that I didn't open. | ||||||
| 06/15/2021 | Yes |
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| Pursuant to the FCRA, as a consumer, I would say accuracy is the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. In summary, my thesis is when congress talks about accuracy and fairness, theyre asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict Navy Federal Credit Union of taking unjust advantage against me on XX/XX/2021. The most important thing about the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why doesnt it mention being denied for credit? The answer is in Truth In Lending Act. Let me explain. I know there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open end credit plan, which I administered and extend/originate myself credit to make them a creditor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions dont loan money because there hasnt been any in circulation since 1933. According to 15 USC 1681m ( C ) ( ii ) ( I ) Information referred to in subparagraph ( A ) - does not include- information solely as transactions or experiences between the consumer and the person furnishing the information. They are found to be in violation labeled exhibit A. This is not a request, I am granted the right to credit under my open end credit plan which I am administering. I am giving my command to increase the credit limit on my XXXX card. Best regards | ||||||
| 12/29/2021 | Yes |
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| I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with its company. I advised Navy Federal of the violations that I noticed on my XXXX, XXXX XXXX, XXXX XXXX reports. The certified w/ return receipt tracking numbers of the letter correspondence is # XXXX XXXX XXXX XXXX XXXX The lines of credit I have with Navy Federal, which is characterized as utilization on my consumer reports. THEIR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! Navy Federal Credit Card Visa Signature XXXX XXXX Account # XXXX Navy Federal Credit Card XXXX XXXX XXXX NAVY FEDERAL is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Navy Federal ) THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( NAVY FEDERAL ) Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( NAVY FEDERAL ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. I am making this complaint for Navy Federals willful violations and non-compliance. Please assist in helping me get remedy for my consumer rights. Thank you in advance. | ||||||
| 10/01/2020 | Yes |
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| I contacted Navy Federal on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about my statement cycle posting to the credit bureaus before the cycle ended. Navy Federal informed me that they had a posting error for a subset of Customers in early XXXX that caused them to post incorrect info to the credit bureaus by reporting that they had late payments on their accounts. To fix this issue they re-reported to the bureaus to correct the mistake. However, they included my account in that batch of customers even though I was not impacted in the initial error. This caused Navy Federal to send an update to the credit bureaus for my account on XX/XX/XXXX in mid cycle which was in error because they erroneously included me in the batch of customers who were impacted by the initial late payment error. ( My cycle actually ends on XXXX ) This negatively impacted my and all authorized users on my account credit. Navy Federal admitted that they posted my cycle outside the contractual agreement we have however have yet to correct the error with the credit bureaus. Due to this error I did not have the opportunity to make payments in a timely fashion and was not provided the amount of time in my cycle to make my payment before they made a report to the credit bureaus. The negative impact to my credit report has impacted the interest rate I qualify for on my FHA loan for my home that I am building, costing me thousands of dollars over the life of the loan. Navy Federal also is discriminating against me because they admitted that they are trying to resolve the issue for the first group of impacted customers however refused to address the errors related to my account. So they are unwilling to have fair and just treatment with all customers. If Navy Federal would have reported on my cycle end date then I would have had a XXXX balance and this would not have negatively impacted my credit utilization. | ||||||
| 03/11/2016 | Yes |
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| My ex-husband forged my signature, deposited a check from the XXXX with XXXX our names on it ( after changing the mailing address with the XXXX to his own personal apartment where I have never resided ) and he cashed and deposited our joint check at Navy Federal Credit Union without my knowledge or consent. I was not present when this check was forged and deposited, I did not sign this check, nor did my ex-husband have my ID or permission to do this - Navy Federal to the best of my knowledge did nothing to prevent this from occurring. I have called and visited Navy Federal Credit Union and spoken with numerous representatives there and no one can confirm what their policy and protocol is to prevent such things - XXXX representative at the XXXX branch of NFCU said their policy is to have XXXX named individuals on the check present when the check is cashed and/or the person depositing the check has to have the other person 's ID with them if the other person is not present - neither of these things occurred when my ex-husband forged my name, cashed and stole this money from me at Navy Federal Credit Union. I called and spoke with a representative at NFCU 's Fraud Department and another in their Security Divisions, and they said this is not their policy ; there is a real lack of consistency within Navy Federal to even define what their policy is and how they prevent such things ; I do n't think they know as evidenced by how they have handled this situation. There is a significant lack of care, compassion, security and dedication on Navy Federal Credit Union 's behalf to 1. prevent 2. correct such actions from occurring. What my ex-husband did was a crime and Navy Federal Credit Union did nothing to stop him and facilitated him more or less in doing it by not having stricter enforcement ( or perhaps even any policy to begin with ) that prevents such things from occurring. | ||||||
| 09/07/2021 | Yes |
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| On XX/XX/XXXX I began my search for a moving company to move me from XXXX to XXXX. I was contacted by a XXXX XXXX who was said to be a representative of XXXX XXXX of FL. After speaking with him I felt safe in regards to the move. I was told that a deposit needed to be made of {$1100.00} in order to get the process started I made that payment on XX/XX/21. He then told me that my move would be between XXXX or XXXX and that a rep would reach out to confirm the amount of items. I was contacted on XXXX confirming the items. On Wednesday night at XXXX XXXX XXXX left a VM asking to call them in regards to my move that was to happen. I called and once again the girl said the call was to confirm my move. I heard nothing until I called on XXXX that is when the lady said she left a VM telling me the movers pulled out on the entire route. She also stated that I would have to wait to see IF they would have another moving company sign a contract. She then told me to bare with them until Saturday and that they would call me .... I received no call on Saturday! I called back and the young lady apologized and told me to request an email. I emailed multiple times only to receive an email stating that I could not have a refund because I signed a contract! I had to drive XXXX miles back to XXXX to place the things the moving company was supposed to pack away. This has left me with a negative account and all of my belongings in another state with no way to get them back or out. I called another rep and she kept apologizing saying that my account was updated and it said to not give me a refund! They took my money and never came to get my things or offered to send a crew another day they stole my account information. This company is also on the XXXX website as fraud and my bank said that there was nothing they could do the first time. Now I am being asked to wait 10 day for a refund! | ||||||
| 01/26/2017 | Yes |
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| I have had XXXX different accounts with with Navy Federal. With each account they charge outrageous and excessive fees for their OOPS feature for checking account. They restricted access to the XXXX accounts that I have had that they closed without notice to me. Even when visiting a local branch I was denied access to statements and transaction history. The fees range anywhere from {$20.00} to {$60.00} at a time. After paying accounts in full and establishing new account, they still restricted access to many features that are included with the account. I have no problem paying the accounts with bringing them into good status but what I do not agree with is paying {$20.00} to {$60.00} on transactions they authorized. I find it deceptive and a way to take more money out of the consumers pocket. I ask that the CFPB look into this business practice. Also the threat of closing accounts or closing accounts entirely before the 30 day ( 60days in most instances ) without notice or allowing consumer to bring the account into positive standing is unlawful. My other concern is there unethical and discriminatory lending practices and discriminatory practice in how they approve members for their credit cards. Each denial stated that I would receive notice as to why was denied and how I could ask for reconsideration. I have yet to receive any notices from Navy Federal since I first applied in XX/XX/2016. I was told over the phone to wait a month and reapply and I would get approved. I waited a month and still got denied. Still did n't receive a denial notice in the mail. For the most part Navy Federal is not bad but some of their business practices are shady and take advantage of the individual consumer who has invested in shares in this institution. Some of their practices are very predatory and make it virtually impossible for consumers to bring account in red back to black | ||||||
| 09/01/2023 | Yes |
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| I am writing to file a formal complaint against Navy Federal Credit Union for the recent closure of my credit card account ending in XXXX without valid justification. This action on their part not only contradicts the principles of the Equal Credit Opportunity Act ( ECOA ) but also raises concerns about their adherence to fair lending practices. On XXXX, I received a notification from Navy Federal Credit Union informing me that my credit card account was being closed due to reasons that were not specified in the communication. This sudden and unexplained closure has left me in a state of distress and confusion, as I have consistently maintained a good credit history and have never missed any payments or exceeded my credit limit. The decision to close my account appears to be based on arbitrary factors rather than my ability to pay. The Equal Credit Opportunity Act clearly prohibits lenders from discriminating against applicants based on their race, XXXX, religion, national origin, XXXX, marital status, age, or receipt of public assistance. Furthermore, the ECOA prohibits lenders from denying credit solely on the basis of an applicant 's ability to repay. Given that my credit history and financial responsibility demonstrate my ability to manage credit, it is deeply troubling that Navy Federal Credit Union would resort to such a decision without any apparent valid cause. I believe that Navy Federal Credit Union 's actions violate the principles of the ECOA and raise questions about their commitment to equal credit access. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Navy Federal Credit Union provides a valid and non-discriminatory reason for the closure of my credit card account. I also request that any necessary corrective actions be taken to rectify this situation and prevent such occurrences in the future. | ||||||
| 04/07/2023 | Yes |
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Web | Servicemember |
| This appears to be a recurring issue with Navy Federal in that they have no issue helping themselves to your bank accounts without warning or consent or any concern for any other obligations you may have. I paid my auto loan on XX/XX/XXXX with the next payment being due by XX/XX/XXXX. But NFCU initiated a transfer from my accounts on XX/XX/XXXX for that same loan and before my mortgage payment was deducted and credited which was on XX/XX/XXXX. I thought that by law mortgage payments had to be credited immediately yet NFCU waited for XXXX days. My mortgage balance is constantly being changed which affects my credit negatively but that is another matter. I initiated a transfer from XXXX of my external accounts into my NFCU account using XXXX. That transaction took XXXX days to go through which is unacceptable but that cash transfer would have allowed me to make my monthly payment on my NFCU credit card in the amount of {$400.00}. That same card saw my payment double when my interest rate went up to the maximum they can charge for that particular card. So now my bank accounts with NFCU are XXXX. I can not afford to make a payment on my credit card because they misappropriated my funds to make a payment on a loan that was not even due! I am XXXX on limited income. My spouse passed away suddenly in XX/XX/XXXX and left the household income short to begin with but would have been manageable had they not taken my money to pay what they determined to be important. I am also dealing with fraud on my account but that card has been closed and I was supposed to pick up a new card at the branch until this happened. Their policy will not allow them to issue me a new card as long as the credit card remains past due I am told so I feel like this was some kind of orchestrated effort to penalize me. Does NFCU not care about their customers based on the way they handle accounts?? | ||||||
| 10/09/2022 | Yes |
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| My husband ( XXXX XXXX ) and I ( XXXX XXXX ) opened a Navy Federal More Rewards XXXX XXXX XX/XX/2022 it had been set up by us for reoccurring statements. The bill was paid automatically every month without any late or incomplete statements. Every bill was paid in full each month. The bill due on XX/XX/XXXX was not paid. The bill was for {$460.00}. I called Navy Federal on XX/XX/2022 at XXXX ( when I was first notified that the bill had not been paid ) to inquire as to what the issue was " the system did not make the transfer ''. XXXX our representative called the " Advanced Team '' to find out more, and I was told " they would research it. '' And that was all that wound happen. If I wanted to speak with anyone else about it, I would need to email a complaint to a complaints email. I then spoke with XXXX XXXX who stated that more research would have to be done on why this occurred. Because our checking and savings are Navy Federal, when logging into Navy Federal to have access to our money, all that shows is " your account is delinquent '' in huge red letters and a huge " Pay now '' button with no other way to access my account. There was also no option view the statement and I was told by XXXX " I will mail it to you. '' I feel that my money is being held hostage and I am concerned about how this late payment will impact my credit score, I am concerned that Navy Federal does not notify customers of late payments prior to logging in ( no email was sent, no call was made, no letter was sent, I even went to the bank on Friday and the teller did not let me know ). I am concerned that I can not access my money. I am concerned that I was asked to {$460.00} without being given access to any documentation or reason why this was unpaid, and without being shown a statement. The attached image is what shows up upon logging in to Navy Federal, instead of our accounts page. | ||||||
| 11/13/2019 | Yes |
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Web | Servicemember |
| After several weeks of money being in my checking and savings account with Navy Federal, there was a random adjustment on my account which left me with a balance of {$0.00}. When calling to clarify why this occurred I was told that it was due to a charged off student loan. When I asked about more information on this student loan I had no record of on my Navy Federal account page or credit report, the representative said the only way they've tried to contact myself and my cosigners is through phone. Neither my cosigners or myself have received any phone calls about this particular loan, given I am still in college, so there was confusion why I needed to start paying back the loan while I was still in school anyways. The representative hung up in my face when she couldn't provide the proper answers to my questions about this loan I have no record of. I asked for a reported fraud and investigation in a later phone call back. On XX/XX/XXXX I received my paycheck but noticed that when checking my account, it was adjusted again and my entire paycheck was gone. I called Navy Federal that morning informing them that the money adjusted was for my rent and car note and needed to be reversed because I did not authorize anyone to deduct from my Navy Federal account. I was transferred to the private loan company in which they informed me that 1 ) They would not reverse the transaction 2 ) They acknowledged that they had notes that I wanted an investigation for fraud, yet did not follow through and 3 ) They would continue to pull all funds deposited into my Navy Federal account although authorized to stop. Through all phone calls I have yet to be updated about this private student loan, they have yet to give me a remaining balance or loan number, and they refuse to help me understand why representatives cant give me any information about the loan other than its charged off. | ||||||
| 07/20/2023 | Yes |
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| On XX/XX/2023 I arrive at XXXX car wash a self serve car wash .I purchased one wash service for {$14.00} and a second service for {$2.00} totaling charges were {$16.00}. Somehow they were batched together by the care wash financial payment processor incorrectly charging my debit card {$1600.00}. On XX/XX/2023 I called @ XXXX XXXX stating I did not make that charge for that amount the representative communicated to me that it was two pending charges of the same amount which I observed myself on my account. The representative stated that I did not have to do anything that they were going to take care of the dispute. On XX/XX/XXXX XXXX I received a letter stating the provisional credit that was applied since the merchant issued a credit in the amount of XXXX the provisional credit was removed once investigation is completed. I will receive a final letter. on XX/XX/2023 I receive another letter stating that they have made a final determination based on the facts that my claim was found to be valid and that the provisional credit issue is now permanent, and will not be reversed. On XX/XX/2023 I received another letter stating that my account was in the negative for a credit that was determined valid. Ive received three conflicting letters reached out to Navy Federal to resolve this matter. The few representatives that were trying to assist me with the issue expressed that someone in the fraud department failed to do their job every manager or supervisor that I have spoken with failed to return my phone call I had too repeatedly call no one would not return my call. This is unacceptable and unfair this situation has interfered with my well being. Ive have been a member for XXXX but something that was out of control Im the one who has to suffer because of an individual who did not do their job correctly.No one at navy federal did not try to help me with this issue. | ||||||
| 12/08/2022 | Yes |
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Web | Servicemember |
| I Made an agreement with the XXXX XXXX XXXX XXXX To have my bottom floor living room bathroom kitchen and Family room in my Townhouse Located XXXX XXXX XXXX Pl XXXX, Florida XXXX tiled with XXXX porcelain Tiles with XXXX stairs hallway and XXXX bedrooms upstairs. The XXXX was to begin on Wednesday XX/XX/2022 at XXXX XXXX and he never showed up lied and said he canceled night prior which I untrue in which he did not. Then came on Thursday XX/XX/2022 at about XXXX in the afternoon for half a day to pick up the tiles with no tools in which I had to rent the tools from XXXX XXXX and buy more products ( not informed prior ) a partial job was done. Owner advised he would come on Friday XX/XX/2022 and complete the job downstairs ( as agreed this would be complete for the ( XXXX XXXX ) in which he did not complete or even started the bathroom kitchen or family room. Left Friday at XXXX pm the job halfway incomplete and advised he will not be doing the job over the weekend but coming Monday XX/XX/2022 in the morning no show called XXXX XXXX XXXX XXXX XXXX XXXX about XXXX he sent some young Teenage Looking boys who was picking up my expensive furniture to carry over the dirty area untiled area dust area ( The young boys who I dont think licensed also stated they advised him this can not be done ). Contact the contractor via phone call advised him to please come to the job site as this is not what was agreed upon and was advised that he will not be coming over Yelled at me and refuse to come and complete the job, I asked him to send me a full refund and was ignored. I am now left to pay another company to fix the job with damaged and broken tiles that said the contractor did not inform us they broke the tiles an responsible for replacing them. Enclosed are pictures of the incomplete and damaged work, and text messaged between both myself and Company and contractor. | ||||||
| 05/13/2022 | Yes |
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Web | Servicemember |
| Around XX/XX/XXXX I was given XXXX grants from the XXXX XXXX targeted advance and supplemental advance. XX/XX/XXXX the Navy federal credit union froze my account and started the process to close my account and sent back to XXXX {$9000.00} but still have not given me the remaining {$5000.00}. The XXXX told me to get my bank to send the {$5000.00} directly to me due to an enormous back log of returned funds as these grants are for emergencies to keep my business afloat. The Navy Fed won't tell me why they have frozen my funds or why they won't give my funds back to me. They have received from the XXXX my other funds successfully {$1000.00} in XX/XX/XXXX and XXXX of XXXX {$6000.00} and {$7000.00}, so the excuse that this is not a business account does not apply here since I was able to receive my other funds for my small business, I am a sole proprietor with no employees. I am able to use my personal account due to having no employees and in the guidelines per Cares act all sole proprietorship with no employees may use their personal accounts. The Navy federal has been so rude and dehumanizing towards me the security department has been awful and won't help me or give me a chance to clear up any discrepancies. Since XX/XX/XXXX I have lost my business because my car loan went into default because I have no access to my funds, I use my car to carry supplies and travel to the homes I serve. I have lost my home because I can not work, I don't even have bus money. My son has served the XXXX straight from XXXX when he left he had a home, now XXXX XXXX is about to be done XXXX he served the XXXX XXXX and he XXXX coming home to nothing, he will be XXXX as well. Navy Federal keeps sending me my monthly statement with my {$5000.00} showing in my checking account but won't let me access funds that would enable me to get back to business. They have severely crippled me. | ||||||
| 04/01/2022 | Yes |
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Web | Servicemember |
| I am a veteran with over 20 years of federal service. I have been with Navy Federal Credit Union since joining the XXXX in 1989. I have always considered NFCU a top tier financial institution until this incident. I went to visit XXXX and I was very intrigued by the abundance of opportunities there to grow business. I was sending monies from my NFCU through XXXX. I was initially having any difficulties until XX/XX/XXXX. Between XX/XX/XXXX to XX/XX/XXXX, between NFCU and XXXX over {$9000.00} of my money has disappeared. I have been writing the XXXX companies every since to get resolution and the only thing that has happened is the NFCU closed out my account and XXXX blocked my account from transferred money any further through them. I am being treated like a criminal for asking for my money to be returned to my bank account. Each company say that it's with the other company. I will provide the documentation that shows this. I pray for a quick resolution. I have been put on medication for XXXX and anxiety. I not only lost out on business in XXXX, but I ended up losing my business here and my business account got closed out as well because my seed money and bill money got absorb by one of these companies and I was just starting out. I am disappointed in both companies and I have no trust in either one of the companies at this point. NFCU did not take care of me. On the contrary, they played a major hand in destroying what I was trying to build for myself and my family. I thought that I could trust them to recover my monies. They are FDIC covered. I thought that meant something. The fact that all my messages of all the reports I made to get this fixed are gone also concerns me. My parting advice to anyone reading this : Back up any communications to your own system and make copies of any and all communications to XXXX. If it's left in their system, it disappears. | ||||||
| 10/19/2017 | Yes |
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Web | Servicemember |
| I am the owner of account number XXXX. I am disputing the following transactions that were charged fraudulently to my account without my authorization :XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$230.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$210.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$190.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$98.00} # XXXX XXXX XXXX HI XX/XX/XXXX {$83.00} # XXXX XXXX XXXX HI XX/XX/XXXX {$54.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$11.00} XXXX XXXX XXXX HI XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$32.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$7.00} XXXX XXXX XXXX XXXX HI XXXX XXXX, XXXX {$37.00} XXXX XXXX XXXX HI XXXX XXXX, XXXX {$13.00} XXXX XXXX XXXX HI I did not make or authorize these transactions that appear on my account. The debit card used was not in my possession and to the best of my knowledge was stolen on approximately XX/XX/XXXX. I immediately reported it as stolen as soon as I learned of the fraud. I do not have knowledge of the identity of the person who illegally used my card and did not receive any benefit from the transactions listed above. I give my consent to Navy Federal Credit Union to release any information regarding my card and/or account to any federal, state, or local law enforcement agency so that the information can ( if necessary ) be used in the investigation and/or prosecution of any person responsible for fraud involving my card and/or account. Please adjust my account information to reflect that I have disputed these transactions, remove these items from my statement, and send written confirmation that you have done so. Under the Consumer Liability for Unauthorized Transfers : Electronic Fund Transfer Act Regulation E ( 12 CFR 205.6 ) my maximum liability is {$50.00}. Further, Navy Federal Credit Unions Zero Liability policy ensures that I am not responsible for false charges to my account. | ||||||
| 07/05/2023 | Yes |
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Web | Servicemember |
| I, XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid XXXX. XXXX Money order, which clearly states at the bottom that it is a negotiable instrument that I bought and paid for the rights to negotiate. It was made with the proper clauses and provision based on banking law in the amount of {$10000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Navy Federal Credit Union on XXXX XXXX XXXX They accepted my instrument but did not credit my account. I did call today, XX/XX/XXXX and spoke with XXXX in the charge off department. The phone call was recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what I provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. They stated that the Money Order was a " bad check ''. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands, they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on. I've also provided them with reading material on 'The Bank Act of 1933 '. Attached are all correspondence I've mailed to them. When they returned the full payment to me, they also included a response letter to one of my correspondences. That letter came past the 30-day request period. It did not answer any questions I had from my letter. The envelope they mailed also included detailed information of another member I have no business knowing about. Not only have they not upheld their fiduciary duty with me, but they have also failed their confidential agreement with others. | ||||||
| 04/06/2020 | Yes |
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| Dear President Trump. My complaint is with Navy Federal Credit Union and the incredible interest they are charging me and my family on a credit card that was closed because we got behind on our payments. My husband is a XXXX veteran, having served honorably in the XXXX XXXX, the XXXX XXXX, and XXXX XXXX. We are paying Navy Federal Credit Union $ XXXX/month, of which @ $ XXXX/month is an interest fee. I have contacted NFCU numerous times to request a reduction in interest consistent with their lower rate credit cards given the fact the underlying interest rates have been reduced by the fed and the continued hardship of paying 27 % interest. I was told the interest they charge is based upon the fed rate and my credit score but to contact them the next time my bill comes due and they will see what they can do for us. Mr. President, the NFCU takes for granted the veterans it claims to serve and has done so for some time. They are happy to take all the positive publicity predicated on their claims to support the veteran community, but get in trouble and get behind on a payment, and it is the XXXX with you. I pleaded with NFCU to allow me to consolidate my credit card debt under a personal loan before it became an issue, but they refused and summarily cut the card off and simultaneously increased my interest rate to the userous rate I am currently paying. In the past 12 months, NFCU has charged me over {$1000.00} in interest on a {$4800.00} credit card debt and card which I can not even use. Mr. President, I am sending this letter to the Consumer Financial Protection Bureau and the CEO of Navy Federal Credit Union. I am sorry I have to trouble you with my problem but when I last spoke with the customer service department at NFCU, I was ridiculed, laughed at and told it was not NFCU 's fault I found myself in this situation. Thank you for your time Mr. President. | ||||||
| 11/20/2019 | Yes |
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Web | Servicemember |
| On Tuesday XX/XX/2019 I transferred {$1200.00} into my checking account from a savings account that I opened up with Navy Federal Credit Union for the purpose of depositing my XXXX son 's SSI XXXX check in the amount of {$1500.00}, which I had deposited on Saturday XX/XX/2019 and had cleared Monday XX/XX/2019. After the transfer was successful I left my home and realized I had to withdraw some cash so I went to use my card at the ATM and the transaction was declined. Confused by this i logged in to my account on the Navy Federal mobile app and noticed all of the money I just transferred had been removed and dispersed to other Navy Federal accounts that were past due. This was done without any prior notification, no phone call or any other form of communication was used to notify me that funds were going to be transferred. I quickly called customer service who then transferred me to Personal Finance Management and finally to Collections. The representative in Personal Finance Management was unable to fix the issue himself so he informed me that collections should be able to and explained what I needed to tell them in order to get the funds reversed. The representative in collections took my information down and put in a request that he said could take up to 24 hours. I waited and called back Wednesday XX/XX/2019 to reach him via his extension. After being answered by other representatives and left on hold, one time up to an hour, I was informed that the request had been denied because " no prior arrangements had been made. '' The representative and supervisor were unwilling to reach any sort of agreement or work towards solving this issue in a way that would be beneficial to myself and the bank. I was willing to make a small payment in exchange for the return of most of the funds. My pleas were met with stubborn refusal and indifference to my situation. | ||||||
| 02/17/2016 | Yes |
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| I have XXXX and XXXX mortgages with Navy Federal Credit Union which I have been paying late for over a year after I fell behind for several months in XX/XX/XXXX. I submitted borrower response packages in XX/XX/XXXX requesting modifications on XXXX mortgages. I was offered a modification on my XXXX mortgage on XXXX XXXX XXXX, but not on the XXXX mortgage. During the same time period Navy Federal asked me to submit another borrower response package for the same mortgages. I submitted another response package on XXXX XXXX. I called Navy Federal on XXXX XXXX and told them I was unsure of what was going on with the modification. I did not understand whether I needed to accept the modification offer on the second mortgage in XX/XX/XXXX or wait for them to finish reviewing the borrower response package I had just re-submitted for XXXX mortgages. I scheduled the payment for my XXXX mortgage on XXXX XXXX but I did not schedule a payment for the XXXX mortgage because it sounded like I should wait for a call on the borrower response package. On XXXX XXXX I was contacted and asked for more information for the borrower response package, which I provided. Navy Federal asked me for additional information on several more occasions up until XXXX XXXX. I received XXXX letters in the mail on XXXX XXXX. XXXX letter from Navy Federal dated XXXX XXXX telling me my borrower response package was now complete, a second letter asking me to fill out another borrower response package to avoid foreclosure, and a third letter from an attorney dated XXXX XXXX explaining they were being instructed by Navy Federal to " commence foreclosure '' on my home. I am extremely confused and beat down by all of this. I have been paying my mortgage. I paid it on time for over 10 years until I fell behind. If this is true and they are foreclosing on my home over a misunderstanding I really need help. | ||||||
| 08/22/2023 | Yes |
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Web | Servicemember |
| NFCU - Credit card Subject : Explanation of Inability to Open an Account due to Confinement Dear NFCU, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with NFCU during the specified time frame due to extenuating circumstances that rendered me unable to do so. The application in question seems to have been submitted on XX/XX/2016. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space. The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures. I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records. If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly. I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation. Thank you for your attention to this matter. I look forward to your response. Sincerely, XXXX XXXX | ||||||
| 10/11/2021 | Yes |
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| I am XXXX XXXX and I'm submitting this complaint myself there IS NO THIRD PARTY INVOLVE. On XX/XX/2021 Navy Federal Credit Union received a letter from me stating '' I am invoking my specified remedy as a consumer, and the original creditor, requesting Documentary evidence that Navy federal was in fact the holder in due course. '' along with ceasing any attempts to collect any alleged debts. NAVY FEDERAL NOT ONLY FAILED TO PROVIDE DOCUMENTARY EVIDENCE, NAVY FEDERAL CREDIT UNION ALSO CONTINUED TO CONTACT ME, COMMITTING MAIL FRAUD, ALONG WITH CLOSING MY ACCOUNT IN XXXX. Which places NAVY FEDERAL CREDIT UNION in violation of 12 CFR 1026.13 ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor XXXX be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. NAVY FEDERAL NEVER RECEIVED EXPRESS WRITTEN CONSENT FOR ME TO CLOSE MY ACCOUNT. I also have a voice recording of Navy Federal Credit Union representative stating that received my letter XX/XX/2021. I also have evidence of Navy Federal Credit Union violating 15 U.S. Code 1692c. Navy Federal has also violated 15 U.S. Code 1681 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeany authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Leading to a violation of 15 USC 1692d ( 1 ). Any bad debt furnished on your reports is ruining your reputation, and it is defamation of character. This is just a few violation Navy Federal Credit Union has abused me with. I will be sending mail along with evidence | ||||||
| 04/23/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, my checking account was charged a {$29.00} returned check fee as a result of an ACH transaction presented for payment in the amount of {$820.00}. At no time during the statement cycle was my account ever below {$1000.00}. I requested assistance and clarification about the charge from my credit union ( Navy Federal Credit Union ). They responded that funds deposited into the account were not available, however the transaction log clearly indicates funds were deposited on XX/XX/XXXX. Regardless of the deposit timing or funds availability, the account balance would still not have fallen below {$820.00} ( the ACH amount presented for payment ). As a result of Navy Federal declining the payment and subsequently charging the account a {$29.00} fee, I incurred an additional {$30.00} fee from the merchant who presented the ACH payment ( FACTS payment system ). Navy Federal has not acknowledged its mistake nor compensated me fairly for my lost money, time, nor compensatory make whole relief for the ordeal they created. Navy Federal has agreed to refund the {$29.00} fee, however it took an extraordinary amount of customer time and effort to resolve their willful mistake. It appears Navy Federals internal accounting is prioritizing consumer fee receivables and targeting itss low income military and veteran customer cohort with predatory fee structures. Navy Federals reliance on a self-serving funds availability policy misleads consumers as to the actual available account balance. A review of account running balance amounts in comparison to when Navy Federal supposedly makes funds available makes it clear that Navy Federal is creatively interpreting its own policies to yield fees from its customers. This is predatory and should be stopped. If my running account balance says {$2000.00}, how can I have less than {$830.00}? Fraudulent accounting is how. | ||||||
| 08/13/2019 | Yes |
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| I have first and second mortgages with a credit union taken out in XXXX and XXXX respectively. I filed a Chapter XXXX bankruptcy in XXXX that was converted to a Chapter XXXX in XXXX. I also had a car loan and 2 installment loans with the same company. Upon converting to Chapter XXXX, I reaffirmed the car loan and the installment loans. These loans have subsequently been paid in full. Payment history was given to the credit bureaus each month. Virginia bankruptcy law does not allow the reaffirmation of mortgage loans, therefore, I was unable to reaffirm those loans. I have paid these loans on time every month, before and after filing the Chapter XXXX. My payment history for the mortgage loans is not being reported to the three credit bureaus. I was told that they choose not to report because I am not " truly obligated '' to pay because the loans were discharged. I can continue to make the payments and when the loans are paid in full the deed will be released. I get mortgage statements every month, pay the bill via bank transfer, my homeowners insurance and taxes are paid from an escrow account, and I receive documentation for tax purposes at the end of the year. Everything is handled by this credit union except the bureau reports! This is arbitrary and capricious and disparate treatment. I pay my bill on time like other customers who have not found it necessary to file for bankruptcy protection. Why are my payments not reported? I was told that I could always refinance with another institution. I currently have a 4 % first mortgage. Not having my current mortgage payments reported, has had a detrimental impact on my credit score. Therefore, refinancing will cost me thousands of dollars and add years to the loan. This is not fair! Why does a non-reaffirmation of a mortgage prevent the reporting of my true and actual payments to the credit bureaus? | ||||||
| 06/30/2019 | Yes |
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Web | |
| My private student loan account has been current with Navy Federal Credit Union Since XXXX. Some of the time until now my account has been in repayment, and for some of that time my account has been in forbearance due to financial hardship and my inability to make the monthly payments with my other debt commitments. I have submitted 4 consecutive forbearance requests during this time, all of which were approved. In early XX/XX/XXXX, I submitted another forbearance request which was denied by my loan servicer. I was told that the reasoning for my denial was that I am required to make 2 full months forth of payments before being able to submit another forbearance request. With this I have 2 problems : 1. ) If I were able to make 2 months worth of payments, I would not need to apply for forbearance. 2. ) On XX/XX/XXXX a representative from the XXXX XXXX Student Loan Collections department informed me that the rule for having to make 2 payments in-between every forbearance request was newly instated in XXXX of XXXX. I received no notice for the change in policy and could not have possibly prepared myself financially for their change in policy. The intuition offers no additional financial assistance ( ie. income driven repayment options ) that can assist borrowers with keeping their accounts current. Although I offered to pay half of my monthly payment at this time ( as this is what I can afford ) I was informed over the phone that a half payment is equal to no payment and will still result in consecutive negative reports to the three major credit institutions. They suggested that I attempt to refinance the loan, but that can not be done until the account is current. Additionally by making negative reports against my credit during my time of financial hardship, they are effectively sabotaging any chance I would have to be approved for a refinancing program. | ||||||
| 04/05/2017 | Yes |
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Web | Servicemember |
| My family and I have had issues paying our mortgage in the past year. My husband is a XXXX vet and has recently had XXXX and is currently unemployed. We have filed with Navy federal with the loss mitigation department to help push back some of our payments to the back of our loan. Last year when we filed we were asked numerous times to resend paperwork and proof of hardship that we sent in. NFCU was asking us to resend paystubs and our taxes even though they had all these documents from our refinance. We spend time sending and resending all the information needed over and over again but never had the right combination of documents completed according to NFCU. This year I filed again for loss mitigation as my husband had XXXX and is unable to work. NFCU has asked us to send them a hardship letter and my husbands pay stubs again recently even though I made it expressively known that he is unemployed. A few months back we owed the bank over XXXX dollars and I paid down that debt to XXXX. While we are in the process with loss mitigation I am told I am not able to make partial payments and in the same breath they ask us to pay a month in a half of mortgage owed- this is a partial payment thus they are going against their own philosophy. We also received a notice of foreclosure yesterday. I am just in shock as I thought that while we are in loss mitigation and potential forbearance they can not foreclose, not to mention I owe less then a few months ago. We have told them that starting next month we will be able to start making our regular payments as scheduled since my husband will finally receive his VA XXXX back. These 2 years have been extremely hard on us financially and I thought that banks should make an effort to assist us. I have XXXX small kids and with a prospect of losing my home we would just be tossed out on the street like garbage. Please help. | ||||||
| 01/18/2023 | Yes |
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Web | Servicemember |
| I received notice that my bank account had been closed and put under investigation for a bounced check from a representative over the phone. I later called 15 days later because he stated that my funds would be mailed to me. The lady I spoke with that day stated that it was suspicious activity on the account which is why it was put on hold. I explained to them over the phone and via message center that the money from this check that they speak of was never deposited into my account. The amount that was sent to me was XXXX in all from another navy federal member and it was sent member to member via app so there was no reason for my account to be under investigation and they could take that money back but I needed access to my funds for business purposes. They proceeded to ask about deposits that came directly from my merchant which had nothing to do with the actual situation but I still explained to them. They then went on to tell me about how my XXXX isnt used for that. I explained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They asked for paperwork to prove that and I submitted as requested. The forms I submitted were forms from the city of XXXX for my XXXX, my agreement with XXXX XXXX XXXX XXXX XXXX ) and another form stating they are the institution that sends payments from their other business name since it doesnt show up as XXXX payments but instead XXXX payment. They closed my account yet the user who sent the funds to me still has their account. I asked them about it and asked if they could just release my funds that were already in my business and personal account which was around XXXX total. They said no and the lady also said that there is no time frame on the investigation and that they get to it in the order they receive them. It has been months and they will not give me the slightest update. | ||||||
| 07/12/2018 | Yes |
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Web | Servicemember |
| Greetings, on XX/XX/XXXX I filed a fraud claim with my banking institution in regards to my phone and credit cards stolen and they have responded that my claim is not fraud, now mind you I file the incident on the XXXX of XXXX and they responded to me back on the XXXX of XXXX without even contacting me to find out if I am ok or to find out what really happened to me as a customer. I had XXXX on the XXXX. of XXXX and I've been under XXXX XXXX to help alleviate my suffering. I will attached all documents and dates so you can see that I have been in and out of the hospital and also, I caa n't even XXXX because I have been diagnosed with XXXX XXXXXXXX XXXX of the XXXX and it is in both ( XXXX ), now, I can't move the only place I have gone is only the hospital for XXXX, removing XXXX, more XXXX and tests and so on. Navy Federal is so unjust, I filed also another claim for {$42.00} for a store purchase that sold a damage item and I return it back to the store the following day and I made sure to call Navy Federal the same time and instead of them fighting for me they are putting through pain like I am the crook, they don't fight for us military and our families, they are only interested in making money from us and that is all that is important to them. How can you say you are here to serve the XXXX XXXX and yet you are the one that is allowing for others to mistreat us and take our hard working benefits. I have my direct deposits going to Navy Federal every months and it is above XXXX dollars where they are benefiting from interest from evereyone 's benefits and earnings. So Navy Federal be fair and just and don't treat us like the criminals, I know you have a lot of power you're a big company but it is not the reason to step on the little people. I don't need to make any stories I am an honest individual which is why I am attaching all the documents. | ||||||
| 07/10/2019 | Yes |
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Web | Servicemember |
| Hello. I posted my resume on XXXX, which is a translation job offer website. On XX/XX/XXXX, I got an email from a guy named XXXX XXXX. He offered me a translation job and I accepted it. He asked me to send him a proforma invoice and I asked him {$1000.00} for the work. On XX/XX/XXXX, I got the check in my mailbox. He said his bank account mistakenly sent {$2100.00} so send him {$1100.00} back. On XX/XX/XXXX, I deposited the check into my checking account at Navy Federal in XXXX, FL. It was deposited instantly so I thought the check has no problem. I never thought a bank would deposit without checking if the check is true. I asked him how I can send him the surplus and he said XXXX, and I sent {$1100.00} on XXXX. On the same day, my accounts and cards were hold by navy federal. I filed a complaint to navy federal and XXXX right away. but the next day Navy emailed me as following : We have investigated your {$1100.00} debit card claim against XXXX XXXX XXXX XXXX XXXX We found that no error occurred and we are unable to process the claim in your favor for the reason specified below : Once a funds transfer is requested and completed, the service has been rendered in full. You will need to contact the recipient for reimbursement directly. As of the date of this notification, your dispute claim has been closed. I had some amount of money on my saving account but I was told I have to pay the negative balance to have an access to my own account. So I did, because I needed the money on my saving account. Doesn't bankers have responsibility to check if a check is good before deposit? Doesn't Navy Federal have a responsibility about depositing a fake check? Is it even legal to hold my saving account which was irrelevant and made me pay to have an access to my account again? Is there anyway I can get my money back? Thank you so much in advance. | ||||||
| 07/17/2023 | Yes |
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| Navy Federal Credit Union ( NFCU ) is accused of violating federal consumer privacy laws ( 15 U.S. Code sections 6801, 6802, and 1681B ) by transferring my private information to XXXX collections without my consent. I have formally requested to opt out of their system and validate the violation for my NFCU accounts : XXXX & XXXX. Based on the above violations, I request that you take immediate action to : Opt me out of Navy FCU your system and any third-party databases. Remove my personal information associated with NFCU accounts : XXXX & XXXX. Cease any further sharing or disclosure of my personal information without my explicit consent. Under 15 U.S. Code section 6801, financial institutions have a legal obligation to implement measures ensuring the privacy and protection of their customers ' nonpublic personal information. This includes maintaining the confidentiality and integrity of customer data. The transfer of my personal information to XXXX debt collections and other third parties without my explicit consent demonstrates a failure to fulfill this obligation. Additionally, 15 U.S. Code section 6802 prohibits financial institutions from disclosing nonpublic personal information about their customers to non-affiliated third parties without meeting certain conditions. One such condition is obtaining the customer 's affirmative consent for such disclosures. As a customer of NFCU, I have not provided my consent for the transfer of my personal information to XXXX debt collections or any other third parties. Furthermore, 15 U.S. Code section 1681B states that consumer reporting agencies, such as XXXX debt collections, may only furnish credit information to those with a permissible purpose. If NFCU shared my personal information with XXXX debt collections without a permissible purpose, it would constitute a violation of this federal law. | ||||||
| 04/12/2023 | Yes |
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Web | Servicemember |
| I have been a customer of Navy Federal Bank for several months now. I have been attempting to build my relationship with them by opening different products they offer. I now have a checkings, savings, and cashRewards credit card with them. I've made several large deposits since account openings and planned to set up direct deposit, open a pledge loan, and consider them for a mortgage and vehicle loan to further the relationship. However, this desire has come to an end now that I have witnessed twice Navy Federal not abiding by the account contract regarding " zero fraud liability ''. Problem : There were two instances reported thoroughly to Navy Federal by me notating a total of 3 transactions I did not authorize. The first instance involved 2 transactions back to back for a total of {$690.00} during a time I was in the hospital over 50 miles away from the location the purchases happened. I reported these transactions to the bank and IN LESS THAN 24 HOURS, a decision was made that " no billing error occurred ''. THERE IS ABSOLUTELY NO WAY A THOROUGH INVESTIGATION OCCURRED IN LESS THAN 24 HOURS. The merchant couldn't have even been contacted in this amount of time. This frustrated and inconvenienced me considering I had to go through an appeal process to dispute the charges again so to keep the relationship alive, I decided to continue building a relationship with the company despite not following their contract. This then happened once again for a purchase made of {$960.00}. Again, in less than 24 hours of reporting the charges to Navy Federal, they responded with a final decision that no billing error occurred. I have now been held responsible for all of these transactions, my account has gone negative because of it, and I feel completely discriminated against based on my zip code and no adequate time allotted for a thorough investigation. | ||||||
| 12/11/2021 | Yes |
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| I called to file a fraud claim when I received an email that a Navy Federal member was added to my member accounts. Immediately I reached out to Navy Federal because 1. I do not recognize this name & 2. I have never given anyone access to my personal banking. Upon further investigation Navy Federal employees admitted that the person who unlawfully gained access to my account was suspected to be a part of what they called a " fraud ring ''. I have an XXXX XXXX and they informed me that someone with a XXXX XXXX had been logging into my account for about 2 weeks. This person deposited a fraudulent check into my account & watched for the funds and as soon as it was deposited my entire account was wiped clean. The claim was split into 1 parts. I was awarded 1 claim and not the other. Navy Federal is now harassing me over approximately {$5000.00} which I do not have and will not be able to pay. I have requested this person 's information to file a police report and it was ignored. I have requested to see a copy of the check to include in the police report. I have only been told that the investigator who is looking at the second half of this claim insists that I gave out my personal banking information. I have been with Navy Federal without issue for over 5 years. I am completely disappointed in the lack of customer service I have received especially with this being my primary bank I have had to make so many changes that have affected my daily life. This incident is very traumatizing because with all the in person & virtual theft going on to have to fight with your bank for proof in the middle of a pandemic is to much. I have been dealing with this for about 2 months now and I am drained. No one ever gets back to me or answers my questions and quite frankly I would not be too upset closing all of my accounts after the way this situation was handed. | ||||||
| 07/27/2022 | Yes |
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| I made application for a personal loan with Navy Federal Credit Union. Navy Federal Credit Union denied a loan that was essential to the Consumer. They took the funds under cozenage. I would like to invoke my arbitration right against Navy Federal Credit Union. They have conspired against me with the use of deception which serves as a breach of trust and identity theft. Upon acceptance of the Consumers Source Data that created the securities and interest with Navy Federal Credit Union, dividends were to be electronically transferred back to the Consumers Estate. The investment that was made by the Consumers Source Data with Navy Federal Credit Union were hidden clandestinely from the Consumer and stored in a retirement fund for insurance by Navy Federal Credit Union. I want to see where the funds were deposited. The Consumer Signature is valued at XXXX USD as required by Navy Federal Credit Union. According to 15 USC 1681a ( k ) ( 1 ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. | ||||||
| 10/18/2023 | Yes |
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| My account was fraudulently used. I am a victim of identity theft. Someone walked into a branch impersonating me and deposited a fake check. Also during that time my accounts were compromised and money was transferred to unknown individuals. I notified the bank immediately same day of the fraud concern. I was told that they saw suspicious activity on my acct and was shutting it down. A few days later they emptied my personal account of {$7500.00} stating that it was being used to cover the money that was fraudulently taken from the account. I contacted them immediately and advised thats all the money I had to support my children and pay my bills. They did not care, advised me to file a claim and wait. Later they denied rage claim saying that I endorsed the check, and agreed to text. Although I shared during that time I had possession of my watch but not phone. Never got any notifications to my watch so I was unaware of those transactions. I requested video footage be pulled from bank, atm, and that everything be reversed due to fraud. Im literally being victimized twice. During my time with NFCU I have over XXXX in my account, i didnt authorize any of the charges, they keep denying the claim saying its no fraud but how is that when someone went into a branch impersonating and signed a check as me. Then I have proof that it was multiple devices that was logged into my cash app that I had to request be removed. No one can verify where the money was sent or reverse the transactions which makes no sense. NFCU has done nothing to help me as victim, instead they have victimized again by penalizing me for something that I notified them immediately of. I would like the fraud claim closed as approved ; my account adjusted and my money returned. I have multiple accounts and I refuse to do business with a company that does not protect its consumer. | ||||||
| 12/29/2017 | Yes |
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| On XXXX XXXX, I authorized Navy Federal Credit Union ( XXXX ) to XXXX me a cashier 's check for {$9000.00}, taken from my savings account with them, made out to XXXX XXXX of XXXX, so that I could make a downpayment on a new vehicle. Because of tax issues ( this is a new plug-in hybrid, with expiring federal and dealer cash incentives totaling approximately {$6000.00} ) it was essential that I complete the transaction prior to the end of the calendar year. When the money did not arrive this morning ( XXXX XXXX ), I called XXXX to get the tracking number, and I was informed that the check had been mailed by USPS, not XXXX. At first they claimed that I had not requested the check be sent by XXXX, but then they listened to the audiotape of the conversation and discovered it was their fault, not mine. Then they told me that the only choice I had was to accept a cash advance on my credit card, and that they would then XXXX the new check, and then waive the cash advance fees once I returned the check they mailed to me. It is unacceptable that I would be required to take a loan on a credit card to fix XXXX clerical error. Taking such a cash advance loan could negatively impact my ( perfect ) credit score. It is their error, not mine, so why should I have to incur the risk and trouble? In effect, my funds were made unavailable to me during a time critical need. As a result of XXXX incompetence I was forced to withdraw nearly all the funds available in another bank account in order to complete the auto purchases prior to the end of the calendar year without risking damage to my credit record or the loss of {$9000.00}. As a 40+ year client of XXXX, I am extremely angry at their failure to execute the simplest of transactions and their subsequent failure to take responsibility for same. Their actions reflect negatively on credit unions as a whole. | ||||||
| 07/24/2019 | Yes |
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Web | Servicemember |
| I originally took out an auto loan with Navy Federal for a XXXX XXXX XXXX, they took over the tile from the original lienholder, XXXX and Navy refinanced my loan. Approximately XX/XX/XXXX, I was in an accident with the vehicle and it was totalled. My insurance company, XXXX, paid to Navy Federal 70 % of what the vehicle was worth. The remainder balance was reduced through GAP insurance which I had with Navy. The remaining amount of the loan was approximately {$3000.00}. I took out another loan to get a new car because I have to work. I am making a payment of {$570.00} as a monthly car note, my insurance also went up exponentially because my insurance increased my premium due to the accident and because I moved. I applied to refinance the remaining {$3000.00} with Navy and they denied refinancing my loan. They put my loan in default and a delinquent status, which will impair my credit because they denied refinancing my loan and require me to make the regular payment of {$570.00} as I did prior to totalling my car. This put me in a position to make two full car payments with over {$1000.00} per month going out of my paycheck to car loan payments. I can not afford that. I also rent, furniture bill, electric bills and other bills and I can not afford to pay {$1000.00} to car payments. I informed Navy Federal of this and they still denied refinancing my car loan to get my car payments cheaper. I think this it is unscrupulous and unethical for Navy to put me in a position in which I am unable to make the payments and unreasonably denying my refinancing of the remainder of my previous car loan. This puts me in a position to get bad credit through no fault of my own. I am not unwilling to make the payment, I just can't afford {$570.00} per month and I have informed Navy of this fact. Navy is being unreasonable in denying refinancing of my loan. | ||||||
| 10/03/2023 | Yes |
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| I am writing to express my serious concerns and frustrations regarding the status of my accounts. It has come to my attention that all of my accounts have been categorized as " paid, '' and I believe there has been a misunderstanding regarding the legal implications of my financial obligations. I would like to address the issue by highlighting certain legal facts related to the XX/XX/XXXX act. As per my understanding, this act placed all property in the United States under the ownership of the United States or its designee. Furthermore, the currency is underwritten by U.S. Treasury notes, bills, and obligations. Based on this information, it is my belief that I can not be held liable for government obligations. I wish to draw your attention to Congress 's own words regarding the unconstitutionality of the XX/XX/XXXX act, as expressed in Senate Report 93-549 dated XX/XX/XXXX : " a. Since XX/XX/XXXX, the United States has been in a state of declared national emergency. These proclamations give force to 470 provisions of federal law. These hundreds of statutes delegate to the President extraordinary power exercised by the Congress, which affects the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confers enough authority to rule this country without reference to normal constitutional processes. '' I understand the importance of adherence to legal and regulatory standards, and I firmly believe that my accounts should be marked as " paid '' based on the information presented above. I kindly request a thorough review of my account status to ensure that it aligns with the legal context and my financial obligations accurately. I would appreciate your immediate attention to this matter and a comprehensive investigation into the reasons behind the " paid '' status on my accounts. | ||||||
| 08/22/2023 | Yes |
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Web | Servicemember |
| NFCU Subject : Explanation of Inability to Open an Account due to Confinement Dear Ally, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with NFCU during the specified time frame due to extenuating circumstances that rendered me unable to do so. The application in question seems to have been submitted on XX/XX/. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space. The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures. I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records. If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly. I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation. Thank you for your attention to this matter. I look forward to your response. Sincerely, XXXX XXXX | ||||||
| 04/07/2021 | Yes |
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Web | Servicemember |
| I bank with Navy Federal Credit Union, Ive been banking with them since XXXX. Todays date is XX/XX/XXXX. My husband has been receiving his unemployment and veterans benefits since Ive opened the account. I ended up having an outstanding balance of {$500.00} that caused my checking to close but I was on a payment plan to pay it off and Im currently negative {$150.00} now in my checking account. The security team Navy federal has, has bypassed security steps, and have released my husbands funds MORE THAN ONCE, knowing they can see that its in my husbands name and not mine, and have NEVER locked me out of my account. But my sister lost her bank account and asked if she can use mine for her direct deposits and of course I told her yes because Navy Federal has never mentioned anything about my husbands deposits being fraudulent so now that they see an incoming deposit from my sisters deposits, they take these want to be security precaution steps, LOCKS ME OUT OF MY ACCOUNT FOR 3 BUSINESS DAYS, in order to review the letter and IDs submitted by myself, my husband and my little sister. Who is waiting 3 business days for a company that has NEVER FOLLOWED THE CORRECT POLICY because they want an outstanding balance paid off on my checking account. NAVY FEDERAL CREDIT UNION IS A HORRIBLE CREDIT UNION TO BANK WITH! And an agent Specifically name XXXX in Navy federals security specialist department, refused to provide me with her manager, her name and her badge ID # to make an official complaint. She told me shes not allowed to disclose that information with me. When the IRS discloses their badge # s LOL. Navy Federal is WORSE than the IRS. Its like during their training they train them to give their beautiful clients, that bank with them, and not bank with us, THE ABSOLUTE WILDEST RUN AROUND! I would never ever ever bank with Navy federal again!!! | ||||||
| 07/15/2020 | Yes |
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Web | Servicemember |
| My husband I ( XXXX and XXXX XXXX ) have had an equity line of credit off their home for a few years now with Navy Federal. Since both of them signed on this loan TOGETHER, Navy Federal refuses to see that we are both on the loan. They placed the loan under XXXX XXXX only even though clearly XXXX XXXX is on the loan, signed for it and even has it on her credit report as her loan as well. Numerous times XXXX XXXX has sent in a power of attorney since XXXX and even sent in another one and confirmed on the phone with a rep just a few months ago in XXXX that I am on the loan and I am allowed to be spoken to on this loan. Each time XXXX XXXX has spoken to a rep they tell him, " the information has been saved and we will be able to speak to XXXX ''. Each time he sends in a power of attorney they tell him the same thing. However yet again today XX/XX/XXXX when XXXX XXXX calls in they again tell her they can not speak to her due to her not being on the loan. This is false and this must be stopped. Second issue is both XXXX and XXXX applied for forbearance a few months ago for this exact equity loan. They approved and said we can make payments over the phone still but they will be held till the forbearance is over. No payments can be made online and the next actual payment wont be due till XXXX. XXXX made two payments over the phone as yet again each time XXXX called they wouldn't speak to her. XXXX logged into the account today and low and behold it shows their account severely delinquent and that they owe {$920.00} in behind payments. Where did the two {$300.00} payments go towards and why does the account say severely delinquent? XXXX tried to call in again and of course they wont speak to her or help her on HER OWN ACCOUNT. Both XXXX and XXXX have had enough of this and want them stopped before they take legal action against Navy Federal. | ||||||
| 05/03/2017 | Yes |
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Web | Servicemember |
| In XXXX 2017 , I applied online for a XXXX position in XXXX XXXX , TX. I was interviewed by phone and was hired to XXXX XXXX XXXX XXXX . The owner, XXXX , stated he needed the XXXX XXXX prior to his arrival so he would be mailing me a check for my 1st week of payment. On XXXX XXXX 2017, I received a check for {$2400.00}. I called the owner and he explained that {$400.00} was my advance, {$50.00} was for XXXX supplies, and the remaining {$2000.00} was for the realtor as the key would not be released until payment was received. I was given the realtor 's bank account information and told to deposit after I withdrew my portion. On XXXX XXXX , I walked in to Navy Federal and spoke with XXXX ( teller ) and explained to her that I was afraid the check may b e fraudulent. XXXX stated to me that she would go ahead a place a hold on the check to ensure that it cleared. She advised to check my account in 2 business days, if the funds were available then the check was legitimate and had cleared. To my surprise the funds were available on XXXX XXXX , so I went in and withdrew the funds. The same day I went into the realtor 's bank ( XXXX XXXX XXXX ) a nd deposited {$2000.00} in cash to account number XXXX XXXX XXXX . On XXXX XXXX , I noticed my Navy Federal CU acc ount was negative {$2400.00}. I called in to the contact center and was told that the check came back as fraudulent. I immediately filed a police report with the XXXX XXXX Police Department ( case # XXXX ). I have provided Navy Federal CU with all the documents they have requested including a copy of the police report, however, the issue has not been resolved. If Navy Federal CU had not allowed the funds to be released, I would not have proceeded any further and we would not be in this situation. | ||||||
| 06/11/2020 | Yes |
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| Company Navy Federal Credit Union I closed my account with XXXX XX/XX/XXXX and received two cashier checks one from checking and savings checking cashier check I cashed inside of Navy Federal Credit Union in the Amount of XXXX on XX/XX/XXXX with I placed the funds in my account after check cleared my saving balance of XXXX I cashed three the ATM on Sunday XX/XX/XXXX Navy federal made XXXX available and the at XXXX XX/XX/XXXX the remaining XXXX cleared and place in my account for use the At XXXXXX/XX/XXXX on XX/XX/XXXX I tried to make a gas purchase it came back as declined I then contacted the bank Navy federal stated that the check was put back on hold for funds not being available from XXXX so give it another 24 to 48 hours Then on Wednesday XX/XX/XXXX I went to XXXX after being told from Navy Federal The Check was Flag for fraud and that It was a bogus Check Per XXXX XXXX teller I received information the the check cleared there account on the XXXX of XXXX and was paid and received confirmation of that and with a teller stamp went to take the information to Navy Federal In XXXX XXXX Here in XXXX Texas and the teller I spoke with stated that she had never saw a teller stamp before and didnt understand or no what XXXX was submitting to them and declined to take of the hold for funds per the bank a bank stamp should be recognized I confused The Navy Federal Stated that the federal reserve hadnt sent information needed to release my funds and then stated the FDIC hasnt sent over information that the check should be cleared so Im confused call all those companies each company stated they dont send information to Navy federal to clear checks in there system I need help with this situation I feel like Im being accused of fraud and I havent committed fraud and during covic-19 its hard to make ends meet I need that bill money at this time | ||||||
| 09/26/2017 | Yes |
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| Due to the hurricane I had damages to my car and home that I need extra cash for. I had a XXXX line of credit and my mother had XXXX. So we wrote my boyfriend a checking line of credit check so that we can use the funds to fix his car that was damaged and our home. I made a mistake and used my old XXXX check that I requested to close due to transactions I did not approve. I called navy federal and explained what happened. Agent said I can transfer funds instead of writing a check. We found out my boyfriends account was restricted so I transferred to funds to my aunts account. My mother and I could n't transfer it into our account because we 're getting ready to close on a house and ca n't have funds such as XXXX deposited into our account. So when we transferred the funds to my aunt account navy federal froze all our accounts due to fraud. My account, my mother, my boyfriend, my aunt, my brother in law and mother in law. I do n't understand how we can fraud our own accounts when we have almost everything with them and walk into the bank almost every week. They froze credit cards ... auto account ... XXXX ... everything. When I called to get everything straightened out I was treated like I did something wrong. The agent was no help at all. Also when we all went to the branch to talk to someone we were just shoved a fraud form to fill out without anyone really taking to use. They are not trying to help us fix something that is not what they say. We always try to get additional products with them by applying online and trying to move our services over. We tried to transfer money from our XXXX like we we 're told we can do but that caused all of our accounts to be frozen. Even after explaining the mix up with me writing a check connected to my closed account, they are not trying to listen and have caused a financial set back and stress. | ||||||
| 07/21/2021 | Yes |
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| On XXXX XXXX I sent a credit validation letter was sent to Navy Federal Credit Union asking them to provide me with a contract that show my wet signature connecting me to the an account that is XXXX, XXXX and XXXX credit reports, in the amount of {$3900.00}. On XXXX XXXX I received a letter in the mail stating that the account is " verified. '' My request was not granted, and sending a stall tactic saying that the debt is verified without showing how it was verified is a violation, according to the 15 USC 1692 -1692p. Also, on XXXX XXXX I sent a credit validation letter to XXXX XXXX XXXX XXXX another account that is fraudulently listed on my credit report. I was unsuccessful with getting a response from this company. So, I called this company on XXXX XXXX and was told that they do not have a contract with my wet signature, however the debt is verified. I never received anything in the mail regarding my request and this account is only being listed on my XXXX credit report, which is indeed a violation, since each bureau should mirror one another. Additionally, An account listed with XXXX XXXX XXXX XXXX who's a debt collector for XXXX XXXX XXXX XXXX is being reported to XXXX, XXXX and XXXX. This account appears to be a medical bill. I reached out via phone to this company on XXXX XXXX and explained that this is a HIPPA violation, and this account needs to be deleted immediately and no information should be shared to any third parties in the HIPPA law. The representative was noncompliant and hung up the phone. Finally, There is an account listed on my XXXX credit report with no original creditor or collection agency being reported, by having this misinformation I was unable to contact the company directly. I contacted XXXX and the representative stated that she was unable to remove the account, and I had to dispute it. | ||||||
| 09/10/2018 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I submitted a request to Navy Federal Credit Union, to reduce my interest rate to no more than 6 %, per the Service Member Civil Relief Act ( SCRA ). Early XXXX I received a response from Navy Federal Credit Union, and they denied my request because they do not think it applies to me. On XX/XX/XXXX, I discussed this matter with my legal office/counsel, and they agreed with me. They instructed me to submit a request through CFPB for resolution. If not solved, my legal office/counsel will process this case to the Department of Justice. Per the SCRA, 50 U.S.C. App. 501-597b1 as attached, I am eligible for this request because my loan/credit card debt have originated prior to the current period of XXXX military service. I got out of the XXXX XXXX on XX/XX/XXXX, and entered the XXXX XXXX on XX/XX/XXXX. The SCRA applies to me because there was a 12 days break in service. According to the SCRA, the term " period of military service '' means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. As such, the XXXX XXXX ( XXXX ) service and XXXX XXXX ( XXXX ) service are two ( 2 ) seperate period of military services. Any debt prior to the period of military service ( XXXX ), must be reduced to 6 % and anything paid more than that, shall be credited back. Even though debts were incurred during the XXXX military service, it is still considered debts incurred prior to the current period of military service ( USAF ). Please read the attached SCRA law for more details, and please be advised again, that my counsel ( XXXX XXXX XXXX XXXX Legal Office ) agrees with this interpretation too. As stated, if not resolved, this case will be processed through the Department of Justice. | ||||||
| 12/31/2020 | Yes |
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Web | Servicemember |
| Navy federal government agencies Mobile banking online app XXXX XXXX to The US Department of Labor Freedom of speech tools Consumer financial protection Annual lines of credit permanent end of life declarations XX/XX/2020 Page Transparency mailing address and XX/XX/XXXX Fastest growing occupations federal government credits agencies in the United States of America XXXX XXXX and ages of individuals XXXX down payments XXXX XXXX XXXX XXXX XXXX ; following up on The American Policy holders association XXXX XXXX XXXX producer Update claims case files XXXX owner 's payment tools matching wallets XXXX XXXX XXXX And wife XXXX XXXX real Human services call in numbers XXXX and XXXX garage parking lot declarations Act of Sale Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX change mailing address to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX matching Voters voters Registry sealed permanent XXXX medical necessary services Post and Annual coverage premium XXXX down rates letters enrollments ending Listing courtesy of XX/XX/XXXX / XXXX XXXXXX/XX/XXXX Last checked : 3 minutes ago Last updated XX/XX/2020 Source : XX/XX/XXXXXXXX XXXX XXXX Report a problem verify by Estately Help Credits federal Frontliners workers legal assistance accommodations now direct Clear swift filling pricing LLC premiums registrations shoppers doing business as Early Warning exampt signs XXXX XXXX Dispatch Emergencies first responders 911 Humane rescue law team XX/XX/XXXXsite total protections trusted site sales boosting overview oversight by Webmaster LA- Help Desk work for anywhere XX/XX/XXXX pin code Verify by XXXX Abuse report merchant fraud ebt food sale authorizing EBT Snap entry method swiped approved online hatch XXXX on XX/XX/2020 Invalid # XXXX approved code XXXX total UDS {$3.00} FD Balance XXXX XXXX United States XXXX XXXX XXXX secured profile 's XX/XX/XXXX XX/XX/2020 | ||||||
| 09/26/2019 | Yes |
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Web | Servicemember |
| I trusted Navy Federal Credit Union ( NFCU ), therefore I submitted a modification packet as I was advised by the representative rather than getting assistance from an attorney. However, NFCU delayed representative received my packet on XX/XX/XXXX @ XXXX, and I received a letter from the attorney XXXX XXXX XXXX XXXX XXXX XXXX , XXXX on XX/XX/XXXX stating over $ 11k could be paid to reinstate my mortgage, however I have no savings and did not have the money, however no sale date had been set. Instead the sale date was set for XX/XX/XXXX, after my hardship packet had been received. While I waited on assistance from NFCU it appears they had no intentions on assisting me and were simply stalling me as time went by. Ms. XXXX claimed a letter was sent on XX/XX/XXXX, XXXX statements were needed, which I never received ; however packet was submitted at beginning of XXXX so I sent XXXX, XXXX, XXXX. Once informed what was needed I emailed documents within 2 hours. Ms. XXXX called me on XX/XX/XXXX, stating nothing could be done, my home would be sold XXXX XXXX, XXXX. I asked about Deed in Lieu, short sale, more time to move out. She gave me foreclosure attorney number. I called and spoke with Mr. XXXX, he stated NFCU would have to give them permission to delay the sale of my property, so I could have more time. So I called and Ms. XXXX is suppose to call me back. I have requested assistance with no success, NFCU has collected money from me for 12 years for a mortgage that started out at $ XXXX, now I owe $ XXXX, so NFCU will come out a winner, by auctioning off my home. This is wrong, I have served my country and worked for the government all my life, only to be denied benefits I deserve. XXXX amongst veterans is not high merely because of XXXX, it is because of the injustice we are forced to endure after begging this country for assistance. | ||||||
| 09/01/2019 | Yes |
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Web | |
| In XXXX of 2018, I received a call from a representative with Navy Federal Credit Union ( NFCU ) regarding my financial hardship. XXXX then provided me with an offer to consolidate my payments. At that time, I had two separate credit cards open with NFCU & the representative instructed me to cease payments on the card with the highest balance & to make a monthly payment in the amount of {$180.00}. This representative called back twice, that day, to ensure that I understood that my payments would stop on the credit card with the higher balance. I proceeded to make these {$180.00} payments, to date ; however, approximately 3-4 months later, I began to receive debt collection calls from NFCU, indicating that I had fallen behind on my payments on the aforementioned card ( with the higher balance. ) I have spoken to several NFCU representatives and encouraged anyone in a supervisory position to listen to the recorded phone calls. To date, I am still making payments in the amount of {$180.00}, but no one has ever provided with feedback regarding these calls. I have accumulated well over a years worth of late fees and the interest on that card has skyrocketed, leaving me with a current balance of {$17000.00}. I have offered to continue making payments in the amount of {$180.00} ( towards the card with the lower balance ) and I have also requested that NFCU honor the fact that they told me to cease payments on the other credit card. Instead, I am harassed on a daily basis, with debt collectors attempting to reach me, via phone, email and mail. I have sat on the phone with NFCU 's Financial Counselors and they were not able to provide me with any other strategies that would resolve the situation at hand. NFCU has also reported to all the credit bureaus & consequently dropped my credit score by well over 100 points, due to " delinquency. '' | ||||||
| 07/23/2019 | Yes |
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Web | Servicemember |
| We have been paying on this car loan since XX/XX/XXXX. We have overpaid by thousands of dollars and they agreed to not pursue any more charges on the loan ( 6000 something on a XXXX loan that started in XX/XX/XXXX ) and to send us the title last week on XXXX XX/XX/XXXX at XXXX : XXXX XX/XX/XXXXPST. They claim we have paid late EVERY SINGLE TIME except for six times in the total of the loan, which is absolutely absurd and completely wrong. We have kept nearly every single letter they've sent us, including times they've claimed we haven't paid when we did and it reflects on our bank statement. From what we can tell, they charged us late fees if we paid ON the due date. Only time they didn't is if we paid 2-3 days before. This afternoon, ( XX/XX/XXXX ) I received a call from their number XXXX where the collection department person refused to give me their name or extension or employee ID number and where they threatened to XXXX XXXX me or my husband if we refused for them to take the car tonight when they send a tow truck. They yelled at me when my children were noisy in the background and told me I was financially responsible to pay the rest off immediately. I ended up hanging up the call because they would not stop yelling and I refuse to be physically threatened. I am giving Navy Federal a VERY short amount of time to get this resolved. I expect them to not collect another dime from us and to send us the title like was promised on XX/XX/XXXX at XXXX XX/XX/XXXX PST. After being threatened with bodily harm, we are done negotiating with Navy Federal and expect IMMEDIATE response to this or we will be suing them for emotional distress, for threats of bodily harm and for fraud. This is unacceptable and very traumatic. We will not stand for being threatened with bodily harm or lying about payment status, etc. Enough is enough. | ||||||
| 08/06/2018 | Yes |
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Web | |
| On XX/XX/XXXX my wife and I was in the car going out of town, I logged into the NFCU online Mobile App into our Joint Checking Account using my wife 's mobile phone. I gave my wife her phone back because I was driving to check our balance. So I had my wife to call NFCU because they had some type of alert message that wasn't pertaining me. The NFCU Representative did speak to my wife regarding our Joint Account on XX/XX/XXXX and the alert message. So my wife requested to ask to speak to a supervisor. She told the supervisor about the inaccurate alert message under my login access. The supervisor called the certain Department to have that alert message removed. The supervisor assured my wife the message will be removed under my login access. On Saturday XX/XX/XXXX I used my wife phone to try to login using the NFCU App to make sure that alert message was removed, I couldn't get into our joint account using my login as usual. I tried to login using my wife second cellphone I still couldn't get into our checking account. I said maybe something was wrong with NFCU online App over the weekend. On XX/XX/XXXX I gave my wife permission to login on my behalf into our joint account because I was at work. We notice we still couldn't access our checking account using NFCU online App. The supervisor from XX/XX/XXXX that my wife spoke to secretly suspended my online access without saying anything to me or my wife because I gave my wife permission to access our online Joint checking to check our balance. This was sneaky and discrimination against my wife because in the year 2000 she filed for chapter XXXX bankruptcy on some of her NFCU accounts. I want my online access back because they purposely suspended my online access without notifying me first. You need to do something about NFCU or I will get a LAWYER and sue them for Discrimination. | ||||||
| 07/21/2022 | Yes |
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Web | |
| On XX/XX/2022, between the hours of XXXX EST. I used the XXXX XXXX ATM machine located at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX FL XXXX. I made XXXX separate transactions that totaled {$2000.00} dollars. The funds were posted to my account on XX/XX/2022. However, they only posted funds in the amount of {$1700.00}. Navy Federal Credit Union confirmed XXXX transactions. Transaction # XXXX. In the amount of {$740.00} dollars, Transaction # XXXX. In the amount of {$700.00} dollars, and Transaction # XXXX. In the amount of {$280.00} dollars. One single deposit transaction is missing. A single deposit in the amount of {$300.00} dollars was not posted to my account. I have contacted XXXX XXXX regarding this missing deposit, and they keep telling me about the posting date of XX/XX/2022. I have requested a transaction history for XX/XX/2022. I know that whenever I use my debit card the transaction date should be reflected on the account as well as the posting date because in some cases the dates may be different. I have received conflicting information about the transaction dates. First, I was advised that the cash deposit date was on XXXX XXXXXXXX XXXX and after I questioned them about why the cash deposit had not posted the same day because it was deposited that morning, I was later advised that the deposit was on XX/XX/2022. I do not believe my dispute was thoroughly investigated and I would like to know what happened to the missing deposit. There's a surveillance camera on the building and it's aimed directly at the atm machine that I used. I would like to request an investigation to review the surveillance and confirm the ACTUAL DATE OF DEPOSIT ( NOT THE POSTING DATE ) and the number of deposits shown. I am demanding that Navy Federal Credit Union investigate this complaint and correct any errors made to my account regarding this issue. | ||||||
| 08/10/2021 | Yes |
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Web | Older American |
| On Thursday, XX/XX/2021 I requested XXXX Credit Line to send {$1000.00} to me from my {$2300.00} Credit Line. This is because every time I went to use it. Instead of them taking money from the credit line Acct, they would remove money from my Personal Checking Acct in Navy Federal Credit Union ( XXXX ) Once I picked up the money from XXXX I was going straight to bank to deposit. When I arrived at XXXX, found out they would charge me {$9.00} for this transaction. Received the {$1000.00} and went right to Navy Federal to deposit. Once their, to my surprise {$1000.00} was Removed from my Personal Checking Account by XXXX, a XXXX Service Company XXXX. On XXXX Wednesday of month, my SS Check gets deposited. I immediately told the Bank Employees that they Took MY Personal Money From My Account which was needed for my Mortgage Company to do an Auto Pay on Monday, I was able to obtain a special program with them that decreased payments by {$200.00} each month. So I definitely didnt want that to be taken away. The Bank put the {$1000.00} back in2 my account temporarily while the Dispute was being investigated by them. After two months in XXXX the Bank notified me that they agreed with XXXX and Removed the monies from my account causing me to go into Overdraft. My Checking Account has been arrears every since that time, despite numerous visits into Bank and phone calls to their Customer Service Department. Ive made numerous calls to XXXX XXXX XXXX, XXXX who refer me to XXXX XXXX, who refer me back to XXXX XXXX. I attempted to pay on the Overdraft amounts as well as the Loan I have with Navy Federal. First month I paid {$150.00} towards it, and second month I paid {$50.00}. the third month, the bank than charged me fees and the balance was more than before I started paying on it. What happen to my {$200.00} I paid? Can you help me PLEASE? | ||||||
| 03/30/2023 | Yes |
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Web | |
| Hello To whom this may concern : My name is XXXX XXXX an active navy federal member whom has recently experienced a tragic situation with this company. I request to have my XXXX federal return direct deposited into my navy federal account, that was supposed to clear on XX/XX/XXXX unfortunately upon filing my return my account number was incorrectly recorded and was deposited into an account that is not associated with me. I reached out to the branch in XXXX Nc and was informed by a representative named XXXX to reach out to XXXX XXXX and have them submit a XXXXXXXX XXXX so that the funds could be reversed and returned to the IRS for an issuing of a paper check. That following Monday I did just so and was informed on the upcoming Wednesday that the request was denied due to no funds available. I returned to the branch on Friday of that same week and spoke to a XXXX whom escalated the matter to a supervisor and requested that the funds be retrieved and returned on my behalf to the IRS. I then got a phone call on Monday XX/XX/XXXX stating that the request was again denied due to non bank error. I then explained to the supervisor that contacted me in full detail she then stated that he would resubmit the request and try to push it through but was not sure because it was not a issue caused by the bank. I then got a call on XX/XX/XXXX from a XXXX stating she had no luck and I would need to contact the IRS and have them submit a non receipt form. At this point I am needing someone at NF to take ownership of their over site and correct this error as soon as possible. This whole ordeal has been extremely frustrating and has caused me to loose confidence in NF ability to protect my investments. Please feel free to contact me at ( XXXX ) XXXX As soon as possible to discuss further of a decision. Thank you for you time. XXXX XXXX XXXX | ||||||
| 08/15/2023 | Yes |
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Web | |
| I had an authorized user on my account named XXXX XXXX. I sent a message using my NFCU online banking to let them know on XX/XX/XXXX that I wanted him taken off of my account as an authorized user. I have used this avenue to remove authorized users in the past with no issues. So at that time I assumed he was no longer on the account. Then, on XX/XX/XXXX XXXX XXXX XXXX initiated a {$100.00} cash advance from my account to his checking account. On XXXX when I realized this, I immediately messaged NFCU to find out why he was still on there as an authorized user. We went back and forth with them finally saying that the removal was never finalized because I had to respond to their response saying that I confirmed that I wanted him removed. I never had to respond before for that. Me giving them notice that I no longer wanted him to have access to the account was enough of a notification and he should have been removed. I want my {$100.00} back that he cash advanced because he should not have been on the account at that point in time. The following is their response to my inquiry about this issue, " XXXX XXXX, thank you for your follow up message. We did reply to your message on XX/XX/XXXX, acknowledging the request, however, we needed further confirmation from you in order to complete the request to remove the authorized user. XXXX XXXX has been deleted as an authorized user of your XXXX XXXX account. You continue to remain responsible for the entire balance, including any charges made by a deleted authorized user. Please allow 1-2 business days for the removal to reflect via Online/Mobile Banking . Your user 's removal will be updated with all major credit bureaus on or around the next statement closing date of XX/XX/XXXX. If we may be of further assistance, please let us know ; we always consider it a privilege to assist you. '' | ||||||
| 03/21/2023 | Yes |
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Web | |
| In XXXX of XXXX I tendered payment in full to Navy Federal Credit union for the full settlement of a consumer loan, in good faith, even though Navy Federal had and has violated numerous regulations and laws in regards to the rights of consumers as pursuant to federal law by way of XXXX XXXX Title 41. Navy Federal sent me a statement in XXXX of XXXX showing a {$0.00} balance on said consumer loan. I allege that well over a year later Navy Federal committed theft, conspiracy, breach of peace by illegally contracting an unknown assailant and criminal to trespass upon me, my name and my property and illegal steal my vehicle. This assailant illegal came unto my property, an disturbed myself, my wife, and my XXXX XXXX XXXX and XXXX XXXX XXXX daughters and disrupted their lives by illegally " repossessing : '' my vehicle in which he has no right to. I reached out to the XXXX XXXX Police department and they informed me that they had no notice that any vehicle of mine was up for repossession. I allege that Navy Federal has broken the law. I intent to go public with this matter. I intend to immediately file a 3949 form, accompanied by a 211 form with the IRS calling for an immediate audit and investigation. I will also file a 1099C because I need to report this as income with the IRS as Navy Federal has defamed or plans to defame my character by threatening a " repo '' and " charge off '' on my consumer report and allege that I owe a large sum of FRN 's that Navy Federal previously notified me was settled. I intend to bring this matter to the attention of the FTC, FCC and the National Credit Union Administration. I also intend to file a lawsuit for defamation of character, pain and suffering, as well as emotional distress as my life, employment, my wife and kids lives have been greatly affected in the most negative way by this event. | ||||||
| 12/01/2023 | Yes |
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Web | |
| I am a XXXX XXXX member. I came to deposit XXXX XXXX into my XXXX account at the atm outside of this location ( XXXX, XXXX ) on a XXXX evening. The ATM took my money, failed to deposit it into my bank account and proceeded to print out an error message telling me something went wrong and to contact my financial institution. It did not give me back the money I deposited nor did it post to my account. Their ATM literally stole from me. I immediately called XXXX XXXX. As a member I expected this to be resolved ASAP with urgency. Instead the XXXX person to answer tells me he will transfer me to the " disputes '' department. While on hold, the automated system told me there was a XXXX hour hold for that department and that I would he placed on a call back queue. I waited. I finally get the call back. The lady was completely unempathetic of the situation. She told me it could take XXXX XXXX DAYS to " investigate '' this incident! Are you serious?! I need this money now and this is XXXX XXXX 's mistake. There should be URGENCY! I explained I was not the only XXXX struggling with the ATM and that it should be noted as OUT OF SERVICE IMMEDIATELY so no one else has to go through this! She said " yeah I wrote a note about it on your claim ''. It seems she wrote that note on my case and not actually put an alert that the ATM is down in real time! I am completely repulsed by XXXX XXXX. I asked what am I supposed to do? I need this money and got forbid it happens again in the future with large sum of cash. With technology these days, ATMs can be quickly audited within XXXX for extra or missing cash and it does not take XXXX XXXX days to provide me a provisional credit at least! She said they would not even offer provisional credit until the XXXX BUSINESS DAY of claim! XXXX XXXX does not care about its members. All of this for XXXX! | ||||||
| 08/19/2023 | Yes |
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Web | Servicemember |
| I deposited two IRS refund checks totaling {$28000.00}, into my checking account at a XXXX Navy Federal Credit Union branch on XX/XX/2023, and was told by the teller that the funds would be available within 2 business days. The statement at the bottom of my transaction receipt stated the following : Amount of {$28000.00} will be held from your total deposit and will be made available for withdrawal after 1 business days ( XX/XX/2023 ). On XX/XX/2023, I visited the NFCU branch in XXXX XXXX, TX to inquire about my deposit and was told by a nice XXXX man that the deposit was placed on a security hold. He indicated that if customers ask about their deposits, tellers are directed to tell customers that they have no control over the hold and that funds will be able after 6 business days from the hold. Which he did and he informed me that the deposit would not be available until next XXXX. I find this practice highly deceptive as had the teller warned me that I might not have access to my money for more than a week, I would have deposited my money into one of my other bank or credit union accounts. NFCU really placed my family in a serious bind by holding my money. I had obligations to attend to and could not due to this. I should have been told this was a possibility and given the opportunity to decide if I wanted to continue with the deposit or not. At a minimum, once the security hold was placed, then at that point I should have been afforded a courtesy text, call, email to let me know that funds availability has changed due to the hold. As it is, there was no regard for me or my family financial situation or and concern for what critical circumstances I may have required my funds for. This is terribly inconvenient, inconsiderate and insensitive to the customer. I will be moving all of my money to another credit union or bank. | ||||||
| 12/22/2020 | Yes |
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Web | Servicemember |
| I am refinancing my existing mortgage with Navy Federal Credit Union and I am at the closing stage. My loan agent was pressuring me to schedule a closing date for Tuesday XXXX XX/XX/2020 and I had not received my closing disclosure. I received it Friday XXXX XX/XX/2020 in the afternoon while I was at work so I couldn't look at it until I got home. When I looked at it I sent e-mails to cancel the scheduled closing because my escrow account was grossly excessive. It had listed a cushion for homeowners insurance at 9 months of {$100.00} and property tax cushion of 6 months at {$470.00} per month for a total of {$2800.00}. My total property tax and insurance bill for the year comes to {$5400.00}. The cushion for my escrow should only be listed at 1/6 of that total according to RESPA section 10. They have my monthly escrow payment listed as {$570.00} which is {$120.00} a month over what it should be if you divide {$5400.00} by 12 months which would be {$450.00}. My total escrow cushion of {$2800.00} plus my 12 months of escrow payments at {$570.00} equals {$9700.00} for the year. My total escrow disbursement for the year is {$5400.00}. I asked my loan agent why the payment was so high and she said it was probably because of inflation. She said she has never heard of RESPA and she has been doing this for a long time and this is how Navy Federal Credit Union handles their escrow accounts. On Navy Federal Credit Unions website it lists their procedure for escrow accounts that is in compliance with RESPA section 10 but the employees don't follow it. My existing escrow account on my current mortgage with them has been handled in the same fashion. I have never had a refund in 4 1/2 years and every year I get a bill for triple the amount of my property tax and insurance yearly increase and my monthly escrow payment amount also goes up. | ||||||
| 03/08/2020 | Yes |
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Web | Servicemember |
| Once again, I am getting burned thinking NFCU has changed their ways from the last issues I had. If I remember correctly, NFCU was fined because of their games. Monday XX/XX/XXXX I visited the NFCU branch on XXXX XXXX in XXXX, Az, to get a new debit card was lost. I was told I am unable to get help at the branch, only ATM and on the phone. Well, if I dont have a debit card, how can I get help, defies logic I know. I called the NFCU to find our why I cant get help in a branch and to get a card. It took over 30 minutes to find out the reason why I cant get help at a branch. Apparently, it was decided after a series of emails with NFCU my in-branch privilege was removed in XXXX, yes, XXXX. I am sure knowing NFCU, this was based on factless in morally corrupt decision processes by NFCU. I was told how to appeal the decision that is now almost nine years old. I sent an email to appeal this decision on Monday, XX/XX/XXXX, at XXXX hours ; I still havent heard anything even though the person on the phone said she was emailing the person she just talked to about my email. I decided to unfreeze my card so that I could access my money since I use XXXX XXXX. I found out when I tried to do that ; my card apparently has been deactivated since I could not use it anywhere I tried. Saturday XX/XX/XXXX I still have not received my card, just a PIN. I was attempting to use NFCU as my primary banking account and open a business account since there are local branches now. I dont think I should do that because NFCU is still in the game of denying members access to their money. This seems to be a common theme with NFCU, denying me access to MY MONEY. NFCU denies me access to MY MONEY. 1. Not allowing me to get assistance at a branch 2. Not providing me a debit card in a timely manner 3. Disabling my debit card so I cant use with XXXX XXXX | ||||||
| 09/23/2023 | Yes |
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Web | |
| The company repeatedly sent mailers and emails to me encouraging me to apply for a line of credit in order to maintain my membership with them. I applied for the XXXX Credit card on a promotion that offered no balance transfer fees, and a low introductory balance transfer rate for a specific period of time. The promotion also advertised a lower credit rate with 18 % being the maximum. I included a credit card number and the balance I wanted to transfer to take advantage of the promotion. The credit limit I was approve for was significantly less than the credit limit I desired for the balance transfer. I requested a reevaluation of my payment history and creditworthiness and to consider raising the credit limit they offered. I asked for the specific factors they used to make their decision. They shared they did not offer the " credit limit I was requesting for new lines of credit ''. I should have applied for another type of card. '' I asked them to show me where that was advertised in the terms and conditions of the card or disclosures statements. They shared it was not disclosed. I commented had I known up front that I wouldn't be given the option to transfer the balance I requested or receive a lower rate I wouldn't have applied for their product. I encouraged them to update the language in their terms and conditions to alert members to this factor when applying for a new line of credit with them for this particular card. Their response was we have reviewed your account and we will not raise the credit limit at this time you can make this request in 3 months. In good faith, I applied for this card based off the information they provide in their terms and conditions but the ultimate decision they made was based on a factor I was even aware of because it was not shared up front. This is false advertisement in my opinion. | ||||||
| 11/09/2023 | Yes |
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Web | |
| My Account was comprised back in XXXX. I completed disputes with Navy Federal regarding unauthorized transactions. There were serval unauthorized, along side two cash advances and received credits for all. My fraud claim was honored and credits were supposed to be applied and stay on account. 3 months later two of the cash advances were denied via my online banking account. One for {$990.00} on my go rewards and {$1000.00} on my cash rewards. When calling Navy Federal and speaking with several supervisors no one can seem to tell me why the credits were reversed and why I should be responsible for fraud cash advances that I did not do. When speaking with one supervisor they stated the money never left Navy Federal but somehow its showing on my statements that Im responsible for payment on the unauthorized cash advances. I have went over statements and no one seems to know why or what happened. I was issued a provisional credit for both cash advances that they stated never left navy federal but credits were issued that they also said should not have happened. They are stating that they went to get the funds and couldnt retrieve them. As I told them several times I never received any moneys. That there workers automatically applied the credits. This has been going on for two weeks now no answers my credit cards are drawing a 18 % interest rate and me and my authorized user are trying to buy a house and this is affecting our credit. I have reached out to everyone at Navy Federal with no honest answers as to whats going on with our accounts. I have been with Navy Federal for over 10 years and cant believe they are not honoring their policy and putting the customers first and protecting my money not once but twice and putting me responsible for payment of unauthorized transactions when my entire bank account was compromised. | ||||||
| 08/24/2019 | Yes |
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Web | Servicemember |
| I have been a customer with Navy Federal since 2007 and overall has been a decent bank. I just recently had a credit card reported as 31 days past due on my credit report and this was not accurate. It is fraudulent the payment was 29 days past due on XX/XX/XXXX when I made my payment at XXXX. I selected my payment date of XX/XX/XXXX and went about my business. A couple days later I go online to make schedule another payment on a different account and see that my payment shows 31 days late. I called the 1800 and they tell me I did not make the cut off. Any other bank that has a cut off time clearly displays the policy on the payments page. I searched high and low for this policy and could not find anything. I eventually find something that contradicts what they told me. A cutoff of XXXX eastern time. My payment was made before that. I then called the customer service number with the information I found. I asked the customer service representative ( XXXX ) if she could show me where to find the XXXX eastern time cutoff notice and she looked for about 15 min even asking 2 supervisors for assistance and could not give me an answer. Instead she berated me about having past due accounts. I have 0 other late payments in my credit history, and I get one from NFCU for an on-time payment. I was shocked to see this as I have been past due for a while, but I am very cautious about paying anything beyond the 30 day mark. I was also shocked at how unwilling they were to help. As soon as I question the policy the agent became very defensive and then came the aggressive tone and I am frustrated about the whole situation. I want this fixed I did make my payment at the 29 day mark and the late mark should be corrected. If they did this to me I cant imagine how many other service members are out there not knowing that this is wrong. | ||||||
| 10/18/2018 | Yes |
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| Over the course of six phone calls, I've attempted to amicably resolve the dispute with Navy Federal Credit Union. With continual requests for additional information, the requests not being provided in a timely manner, the situation culminated when XXXX with Navy Federal Credit Union security called me at approximate XXXXXXXX XXXX on XX/XX/XXXX and threatened me with bodily harm and death. The initial charge for approximately {$450.00} was made in XXXX with XXXX XXXX, a political sign manufacturing company. After many jobs having gone wrong previously with the company, I requested a refund for one of the projects which had gone wrong. I disputed the charge with Navy Federal Credit Union and the company has taken an unacceptably lethargic approach to resolve the dispute. After many weeks of back and forth communication with Navy Federal Credit Union, I provided Navy Federal Credit Union with every possible shred of evidence that the XXXX XXXX company had provided signage that was delivered with unacceptable damage and quality control issues. Today, XX/XX/2018, I sent final documentation to Navy Federal that they've requested with information that I'd sent the merchandise back to the XXXX XXXX company, as XXXX XXXX revoked online access to my online ordering account and refused to continue communicating with me by email. After sending the final requested documentation to Navy Federal Credit Union, I provided final warning that if I could not solve this amicably, I would be forced to pursue this matter in small claims court. It was later that evening that I received a threatening phone call from XXXX on the security team. I'll have to file a police report, as Navy Federal has access to personally identifiable information that would endanger my family if XXXX followed through on his threat of bodily harm and death. | ||||||
| 11/16/2018 | Yes |
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Web | Servicemember |
| I am filing this complaint for two reasons, I believe that Navy Federal failed to take proper action when I notified them of fraud on my account. They failed to mark my card as lost or stolen which allowed more unauthorized and unreimbursed charges to be added to my account. Secondly, I do not believe they did a true investigation on my account, because I was told that these types of claims could take up to 10 days and both of my claims where closed within 24 hours. They also never advised me to get a police report for this fraudulent activity. They never called to ask follow up questions. My card was used in New York and Florida which are places that I could not have been in as I was in the hospital in Kentucky, of which I notified Navy Federal. My card was used to send money to people and address that I do not know. I think these are all clear signs of fraud that Navy Federal chose to ignore. Here is an outline of my interactions with Navy Federal : XXXX XXXX Unauthorized charges appeared on my account ( Please see attached police report for charge amounts ) XX/XX/XXXX -Called Navy Federal to dispute unauthorized charges on my account. They said that they would file a fraud claim and add a provisionary credit to my account XX/XX/XXXX I spoke with a male Navy Federal representative, he notified me that there was a mistake on my claim. They had failed to mark the card as lost or stolen. XXXX XXXX-The fraud claim was denied XX/XX/XXXXI sent an email, to request my claim be reopened and more thoroughly investigated. As I was in the hospital and could not have made these charges. I also called several times that day. The investigation was reopened and closed again within 24 hours. XXXX XXXX- I filed a police report. I hopes that Navy Federal would take my claim more seriously if I was able to submit legal documentation | ||||||
| 08/03/2021 | Yes |
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Web | Older American |
| Good Day, On XX/XX/XXXX I initiated an international wire transfer through Navy Federal. The representative who I spoke with incorrectly used the incorrect SWIFT code, a P was added to the code which has since caused undue hardship on my family. The funds should have been delivered on XX/XX/XXXX latest and as of to date no one seems to know where these funds are. I have repeatedly contacted Navy Federal on the following dates XXXX and today XX/XX/XXXX. No one can give me a valid response other than they are waiting on the receiving bank to respond to their request and return the funds. However, in the meantime I am out of {$6000.00} through no fault of my own. On XX/XX/XXXX I received an e-mail from Navy Federal returning the {$25.00} fee that was charged to me for the wire transfer advising me that they are still researching the lost funds. Please keep in mind this is not my error but the error of Navy Federal in sending the funds to the incorrect SWIFT code. For me to be held responsible for their error seems unfair and not ethical. If one of my employees makes an error on an account I am held liable and must make it right for the customer. The loss of {$6000.00} has now placed an undue hardship on my family as my husband is unable to purchase the equipment he needs to complete his job. I know banks are federally insured and that I have 180 days to dispute my concerns. Again, I do not think it is fair that I am held responsible for something that is not my fault and that is why I am writing to you with my concern in the hopes for a resolution to this problem. I believe I have given Navy Federal ample time to resolve this matter due to their negligence. It does not matter to me how they resolve issues between banks I just need these funds return to my account. Thank you for your time XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/05/2016 | Yes |
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Web | Servicemember |
| Myself and my family were actively discouraged from applying for a loan from Navy Federal Credit Union in the late Summer of XXXX, and when we insisted, instead of the {$20000.00} I showed them I needed to pay for my university education and documentation that my family was able to pay back the loan, NFCU only approved a loan for {$10000.00}. Due to a XXXX XXXX XXXX discrimination case against a company in Mississippi, I was explicitly told by the U.S. Department of Justice not to touch the positive balance in my checking account at Navy Federal Credit Union ( Account # XXXX ), only to have the charge put through again, and my account held in negative balance ( of - {$62.00} ). But due to the DOJ 's orders, I did not touch the account until otherwise told to. In late XXXX, just a few days ago, Navy Federal Credit Union wrote off the negative balance and holds me in " not good standing '', and has threatened to close my other checking and savings account at any time, including the private loan for education made with my family. I only had a chance to use half of that {$10000.00} loan due to my XXXX. ( I would include this letter, but they have told me it will be on my XXXX XXXX statement, not due out for another 10 days. ) I believe, because Navy Federal Credit Union knew I was desperate for a loan to cover my educational expenses and solely because they knew I had a XXXX, they only offered me half the amount I needed ( assuming university would be too difficult for me with my XXXX ). I know this for a fact because the banker in the XXXX branch offered the {$20000.00} I needed, then inquired about my specific XXXX, which I declined to answer, as is my federal right, but saw my XXXX. Then, suddenly, the computer said I was only eligible to take a loan for {$10000.00}. I was desperate so I had to take what I could get. | ||||||
| 11/11/2018 | Yes |
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Web | |
| I was attempting to recieve a deposit to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX Florida XXXX the deposit was from XXXX XXXX and the deposit was initiated on XX/XX/2018. The day that the deposit was received by the bank I was emailed asking for additional monies when the deposit was already at the bank location. The monies was withdrawn on the XX/XX/2018 by the member of customer service who came from XXXX VA after noticing the deposit amount after calling the customer service line about if the deposit arrived. In other word the monies were stolen after the bank have in to this bullying, and now these monies are being used against me, things like threats of terrorism, and threats of violence. XXXX XXXX XXXX XXXX made a donation to me because they understand my situation with my parents and I am pretty much without any help from anyone. As I notice that after the monies was stolen. Even Navy Federal Credit Union on XXXX noticed the amount of the deposit and gave in to the theif who is now emailing me asking me for {$1200.00} when the monies were already deposited. Included is a copy of the deposit transfer sheet and a copy of what the theif wrote me saying there was something wrong with the deposit. The monies were stolen in person by this by XXXX XXXX XXXX at the Navy Federal Credit Union location on XXXX XXXX, and XXXX XXXX, some of the monies are stashed in XXXX savings account of XXXX XXXX with all the evidence and identification of the person who stole it she just went along with it, the person who was sued by XXXX XXXX XXXX XXXX as we speak there is a leave XXXX in a XXXX XXXX XXXX also stolen off XXXX headed down XXXX XXXX towards XXXX, the monies was in cash which they were aware. All evidence supported with a follow-up reference from witness at Navy Federal Credit Union in XXXX XXXX. | ||||||
| 06/10/2020 | Yes |
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Web | |
| On Saturday the XXXX of XXXX 2020, I made two cash deposits at Navy Federal Credit Union. The branch is located at XXXX XXXX XXXX XXXX XXXX, VA XXXX. The first transaction I successfully completed was at the branches " drive-up '' atm for {$2600.00}. After noticing that a line of cars were behind me, I made a decision that it would be kind of me to complete my next transaction with the left over funds at the " walk-up '' atm. When I walked up to the atm with cash in hand, I noticed TWO cameras that monitored me. After I deposited what I explained to NFCU 's fraud department to be around $ 450- {$600.00}, the atm completely shut down. I called NFCU and waited there, on camera, explaining the entire situation. Within about 36-48 hours, NFCU told me they had no record of the transaction, so I decided to dig a little bit deeper and gather some information. They admitted to me that during their first investigation, they failed to contact the victim, failed to check time stamped video evidence, and failed to check the correct atm. Now 4 days into the matter, I asked them to re open the case and complete a proper investigation. I am now on day 12 in total, spent a total of 8-10 hours of phone time dealing with this matter over the 12 days and completely have been mistreated as a consumer and as a non-conflicting customer of a financial institution. The country is already in a tough scenario with racism and not too mention a pandemic. I have lost trust in NFCU, as it currently stands, I was robbed blindly by a systematic and mechanical error, that is no fault to the consumer. I just want my money back that as their customer, should feel safe depositing to them.. I strongly believe that an audit of their investigation process should take place, as they clearly fail to gather, receive, and acknowledge most of any/all facts. | ||||||
| 03/31/2022 | Yes |
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| This complaint is being submitted in reference to incident XXXX On XX/XX/2022 my employment check entered my account. Which gave me a running balance of XXXX The only amount that came out my account during this week... is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Giving a total of XXXX! At this time I made to XXXX dollars XXXX tranfer XXXX to XXXX XXXX and another to XXXX. Giving me a new balance of XXXX. My wife took XXXX from my account using a XXXX XXXX XXXX atm, it cost me a XXXX dollar fee. She also went to XXXX costing XXXX. I got gas from krogers this morning for XXXX. Bring my balance to XXXX This showing the XXXX XXXX dollars XXXX transfer never reentered my account. If it did my account balance would show XXXX! I want my money! Someone changed my transaction... Because if we add all of the deposit together with the XXXX zelle transfer. Add them back to the account and taken all the transaction amounts away from that running balance. I would have to had to over draft or my balance would only be XXXX. Not XXXX so somewhere someone is getting over. And i just want my money A XXXX deposit which makes the balance XXXX. The XXXX XXXX dollars XXXX transfer, XXXX autozone deposit, and a mobile deposit for XXXX. Giving me an amount of XXXX. According to the new transaction history. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX making my balance XXXX! Please help me understand how is this so... if I currently have XXXX in my account. This second transaction history is someone trying to cover up there tracks for stealing my money. Please look at everything and return my money This same incident happened to me about a month ago and nothing was done to correct my problem. Want this incident fixed as well please. And my money return to my account | ||||||
| 02/16/2022 | Yes |
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Web | |
| Hello I have a very detailed attachment below, but I'll summarize it here. Basically, I applied for a credit limit increase and got denied by my credit card company, and that's violating my right by law. Navy Federal credit union denied my credit limit increase, I reached out to them multiple times and the representative stated it's their decision and etc, but did not acknowledge the part of being violating my consumer rights, so here we are. I attached their denial letter to this complaint. I also attached the letter I sent them as well below ; and sent it to the address below ; NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX, XXXX, VA XXXX Recently, I, XXXX XXXX XXXX was denied an extension of credit by NAVY FEDERAL CREDIT UNION XXXX On XX/XX/2021 for a credit card application/increase, I applied for a Credit limit increase on my current Cash Reward Credit card with Navy Federal . As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002 Since the letter, Navy Federal sent me dated XX/XX/2021 is both proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX, XXXX XXXXWithout prejudice, all-natural inalienable rights reserved. | ||||||
| 07/23/2022 | Yes |
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Web | Servicemember |
| XXXX XXXX has been initiating transfers between my checking accounts without my authorization in order to compensate for a negative {$50.00} balance. This balance has been that way for less than 30 days and am currently awaiting a deposit. I have overdraft protection which withdraws from savings. I contacted Navy Federal Credit Union on XX/XX/2022 at XXXX pst because they made the same transfer and notified them that was not authorized to refund the money back to its original checking account, they acknowledged the error and immediately corrected it. On XX/XX/2022 they again made another transfer between checking accounts without my consent. I contacted them on XX/XX/2022 at XXXX pst to correct this issue yet again. They said they have the right to move money around any XXXX of their members accounts in order to cure a negative balance whenever they want and that it was in their initial terms of service when I initially opened the account also that each member is bound by these terms when opening an account through XXXX XXXX. I then asked them to provide me the original terms of service for when I opened the account the representative responded with " I do not have the terms of service for when you opened the account, only the newest terms if you don't agree with the terms then move your finances to another banking institution ''. I then asked why yesterday the issue was acknowledged but now it is a complete change in story. XXXX the representative I was escalated to said he would have to investigate it then hung up the phone. This is a banking institution that handles the management of my funds and countless other members. An institution who is not telling their members that they are moving members funds without authorization of the account owners. The conversations were recorded by Navy Federal Credit Union | ||||||
| 01/14/2022 | Yes |
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Web | |
| In XX/XX/XXXX, I noticed a charges on my account totaling {$380.00}. I submitted a claim to Navy Federal Credit Union, they gave me a provisional credit, and then reversed the credit which cause me more financial harm. It caused my account to go into overdraft, so when my direct deposit was placed in my account, it took everything, which caused for me not to be able to pay my car insurance, my policy was canceled, and I have to pay another fee to get my insurance restarted. XX/XX/XXXX, I received an email that someone hacked into my account and added themselves to my account to transfer money. They made 2 transactions. One was for {$200.00} and the other one was for {$280.00} totaling {$480.00}. I was out of town so I sent an email immediately and told NFCU that I did not authorize these transactions. It has been over a month and there still has not been any resolution to my claim. XX/XX/XXXX, I was looking over my accounts and I noticed a {$2000.00} charge from XXXX XXXX sales that I did not authorize. I asked my brother about it and he admitted to taking my card and making the purchase. I did not authorize this transaction. I have emailed the XXXX XXXX XXXX several times, and there still has not been any resolutions. I have been an victim of identity theft, someone has my information and it seems that they can get access to anything that I have. I filed a police report this past XXXX regarding this. All of my claims has been denied, I filed appeals and they were denied. I asked for a copy of the documents and evidence that was used to determined that these charges were authorized, and I have been denied the paperwork. I have even asked the fraud department, to ask the merchant, do they had video of me in their establishment making these transactions, and was my pin used, etc. They will not help me. | ||||||
| 03/28/2023 | Yes |
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| I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/XXXX using an online transfer from XXXX XXXX. In XXXX of XXXX, a year later, Navy Federal erroneously sent back the pay off back to XXXX XXXX. NFCU then charged interest for an entire year even though my loan was paid off. I only became aware of the loan being active again when it showed on a mortgage application. Once I was aware the loan was open I immediately paid off the total. However, there was an added {$2600.00} in interested as a result of Navy Federal backdating an entire year. Again, even though my loan was paid off. The entire time between the loan re-opening and being paid off 'again ' was about XXXX weeks if I recall correctly. Nonetheless there's an entire year of interest. I've spoken with XXXX XXXX regarding any request to have the funds sent back. XXXX XXXX specifically said, because the amount of time is over a year they would have not requested nor would have any ability to request the funds be returned for any reason. I was sent a letter that also mentioned this. I've made many attempts with NFCU to resolve this issue without result. Most recently I've gone back to my message accounts in XXXX XXXX and can not find any of my communications regarding this matter in my secure inbox. Even though there are older messages in the inbox and I have not deleted anything. Attached document shows the last payment received on XX/XX/XXXX The loan was satisfied and closed. Screenshot attached. Messages in NFCU dating back to XXXX. However, any messages regarding my attempts to have the issue corrected have been removed from my inbox. I have never deleted a message from my NFCU inbox. The message labeled " Message from Navy Federal Credit Union [ XXXX ] '' is the attached document mentioned above showing the loan paid off. | ||||||
| 08/01/2022 | Yes |
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Web | Older American |
| Navy Federal Credit Union violated my rights Per the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-Per the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-mail in a fraudulent or deceitful account or report. I demand to see verifiable and valid proof of documents an original, authentic, genuine Consumer contract, evidence, obligation, pledge, promise, record with my Signature on it you have on file, record of the accounts listed below. Your failure or, nonperformance to verify or, authenticate these accounts has damaged my ability to obtain or, secure credit. Under the FCRA, unverified, or unproven accounts must be removed, expunged and if you are unable to provide me a copy of verifiable, valid proof, you must remove, the accounts listed below. I demand the accounts be verified, documented, and substantiated or removed, expunged immediately. RE : Navy Federal Credit Union XXXX XXXX Credit Card XXXX - Acct : # XXXX. Amount {$8900.00} In Pursuant to Title 15, Section 1666 of United States Code. This debt must be validated. Per FTC, CFPB, FCRA, and the Attorney General mail in a fraudulent or deceitful account or report. | ||||||
| 06/05/2020 | Yes |
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Web | |
| I applied for a mortgage loan with Navy Federal Credit Union on XX/XX/2020. I submitted all of my income information, bank statements, W2s, tax transcripts. I was given an email address and phone number for the loan processor XXXX XXXX XXXX ID # XXXX Phone number ( XXXX ) XXXX x XXXX Email address XXXX I waited for 2 days on XX/XX/2020 I called XXXX in the morning for an Update. XXXX did not pick up so I left her a message. I called again 4 hours later, again no pick up and call back. On day 3 on XX/XX/2020, I called first thing in the morning around XXXX XXXX thinking there may be a time difference, again left a message and no call-back. Day 4 on XX/XX/2020 I get an email with a document uploaded to my Navy Federal dashboard with my credit denial letter. I check my credit score my Navy Federal dashboard it is XXXX. They sent me a denial with a XXXX score. This enraged me since I had more than adequate income and availability of down payment for approval. I was not given a counter offer either and no one called me back. I feel they discriminated me as a minority and offer their no down payment programs to only their favored races. So I called them that even an FHA loan requires XXXX FICO, and my XXXX is XXXX then they said someone will call me back since I said I may file a complaint. I get a call this morning the lady says I need to call XXXX because my credit score was under XXXX their guidelines. When I got denied credit, I applied at another mortgage company which pulled my credit again, which must have dropped my score from XXXX to XXXX, but that is still over their guidelines of XXXX. The mortgage company sent me a pre-approval and said I can start looking for homes. I even qualify for higher amount of loan. So I feel somewhere discrimination happened, either in processing or underwriting. | ||||||
| 06/18/2019 | Yes |
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Web | Servicemember |
| Navy Federal is reporting a credit card account that I was an authorized user on. I removed myself from the account. However the account is showing on my credit report as a closed account reporting negative payment history and the account was terminated. I was no longer on the account as an authorized user once the account when negative. Also as an authorized user I am not financially obligated for the balance of this credit card. Therefor the account should not be able to cause harm to my personal credit file in the way that it has. On the grounds of the Fair Credit Reporting Act- If the creditor is reporting any inaccurate and incomplete information, the account must be removed. The account list as Responsibility : Terminated and Remarks : Account closed by consumer one account can not have both status. Either the account was closed by the consumer or terminated by the Financial institution. Please not there is not an account number provided on report. NAVY FEDERAL CR UN Last reported XX/XX/XXXX Reported balance : {$0.00} Credit limit : {$24000.00} You're using 0 % of your account 's limit OVERVIEW Credit limit : {$24000.00} Minimum monthly payment : {$0.00} Opened : XX/XX/XXXX ( 2 yrs, 7 mos ) PAYMENT HISTORY You've made 79 % of payments on time J F M A M J J A S O N D XXXX green_status XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status red_status red_status red_status XXXX green_status green_status Current red_status : Not current Last payment : XX/XX/XXXX Payment status : Current Amount past due : {$0.00} Worst payment status : 90-119 Days Late ACCOUNT DETAILS : Account status : Closed Type : Credit card Responsibility : Terminated Remarks : Account closed by consumer Times 30/60/90 days late : 1/1/1 Closed : XX/XX/XXXX 2017 | ||||||
| 10/11/2016 | Yes |
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Web | |
| Could you please help me? I can not seem to get Navy Federal Credit Union to stop beating up on us. Every extra dime that shows up in any of my accounts, they yank it to pay their criminally aggressive, repressive and punitive fees. Then, this generates insufficient funds fees ( WHICH THEY CAUSED ). I have repeatedly withdrawn my consent from Navy Federal to remove or transfer funds among my accounts. Most recently I transferred {$22.00} to a checking account and then immediately set up an online payment with XXXX to debit this account for the same {$22.00}. The " transfer to credit card '' transaction that took place on XXXX/XXXX/XXXX was not authorized by me. This caused the payment to XXXX to fail. Subsequently, Navy Federal charged, not XXXX, but XXXX Insufficient Funds fees. Again, I have repeatedly withdrawn my consent to these undisclosed transfers, but they ignore me and continue adding to the mountain of fees ( WHICH THEY 'RE CAUSING ) My wife XXXX has been experiencing pretty serious health challenges since XXXX XXXX, and as a result, my income is sharply down because of missing so much work while taking on more of the domestic responsibilities. She has a herniated disc which exacerbated an already extremely difficult ( and unexpected ) XXXX. XXXX. We 're XXXX people in an XXXX home, XXXX miles between the two 16 year old vehicles we own, and mountains of debt owed to NFCU. What has effectively ruined my financial life with Navy Federal, is this rapacious practice of yanking money out of checking and savings accounts to support it 's exorbitant and grotesque fees, interest and penalties. It is egregious and predatory, and only adds insult to our current set of misfortunes. Please get a hold of someone there to put an end to the tyranny so that we can get our heads back above water. Much Thanks. | ||||||
| 12/04/2022 | Yes |
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Web | Older American |
| Saturday, XX/XX/2022 XXXX XXXX XXXX XXXX Department XXXX XXXX po box XXXX, XXXX, VA XXXX XXXX -DID NOT INITIATE THE DISPUTED XXXXXXXX XXXX CHARGE OF {$500.00} after Consumer finished Document Up Load TO N.F.C.U. or START DISPUTE INVESTIGATION SINCE XX/XX/2022. This Consumer Phone N.F.C.U CONCERNING the UNAUTHORIZED XXXX XXXX XXXX CHARGE OF {$500.00} - PENDING IN CONSUMER 'S ACCOUNT WITH N.F.C.U.. This Consumer phoned N.F.C.U. Unauthorized Charges Department asked the Representative Her opinion. Her Response was it looked " QUESTIONABLE ''. CONSUMER REQUESTED THIS PENDING CHARGE BE DECLINED. REPRESENTATIVE STATED COULD NOT DECLINE WAIT TILL POST. SINCE XX/XX/XXXX, XXXX CONSUMER HAD PHONED MANY TIMES FOR N.F.C.U. UPDATES- " ALL PHONE CALL UPDATES STATED- " WAITING FOR ASSIGNMENT. '' BEEN APPROXIMENTLY 21 DAYS, N.F.C.U.CONTINUTED THIS INACTIVE PROCESSI HAS BEEN IDLE. CONSUMER BELIEVES N.F.C.U. SHOULD OF DECLINED THE XXXX CHARGE OF {$500.00} AS " QUESTIONABLE " AND AT THIS CONSUMER 'S REQUEST. .CONSUMER ATTACHED NUMBERIOUS ATTACHMENTS CONCERNING N.F.C.U. and XXXX XXXX XXXX PENDING CHARGE. XXXX XXXX HAS A FRAUDULENT BUSINESS MAILING ADDRESS. THIS CONSUMER CALCULATED COSTS AND PUNITIVE DAMAGES- ( {$500.00} PLUS A CONSUMER UNNESSARY PERSONAL LOAN, TO COVER CREDIT UNION LEFT CHECKING ACCOUNT XXXX CENTS. CONSUMER REQUESTED PUNITIVE DAMAGES OF {$50000.00} BUT SEEING THE RETURNED CERTIFIED MAIL ADDRESSED TO XXXX ADDRESS IS A PHONEY ADDRESS, UPED THE PUNITIVE DAMAGES TO {$100000.00} INSTEAD OF THE XXXX THIS FINANCIAL CRIME COULD HAVE BEEN AVOIDED BY N.F.C.U. 'S DECLINDING THE {$500.00} IN THE FIRST PLACE. C.F.P.B. 'S XXXX XXXX XXXX COMPLAINT ID : XXXX. CONSUMER UP DATED XXXX XXXX XXXX PUNITIVE DAMAGES TO {$100000.00}. DUE TO THEIR CRIMINAL FINACIAL CRIME. PLEASE REFER TO ATTACHMENTS BELOW.. . | ||||||
| 06/29/2018 | Yes |
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Web | Servicemember |
| I obtained a conventional mortgage loan from Navy Federal Credit Union ( XXXX ). The loan closed on XX/XX/2018. {$440000.00} at 4.625 % 30 years fixed rate. I paid 1 % loan origination fee and paid XXXX in points to buy-down the rate to 4.625 % from the original 5.125 % rate. My complaint relates to the deceptive and misleading manner which XXXX advertises its loan rates and terms on its website. The site advertises multiple loan products and teaser rates which are generally unavailable or available in very limited instances. For example, XXXX advertises 30 year conventional rates with 5 % down payment as low as 4.125 %. That rate may be available, under certain circumstances, for specific loan products. Unless a buyer knows of the limited circumstances which that loan is available, he/she is unlikely to obtain that rate, even if the buyer qualifies for that product. This dynamic creates an unfair burden for the buyer. When I spoke with XXXX, the response was you have the lowest rate. That may be a true statement, but its a misleading statement. XXXX should be more transparent in its disclosure. For example, if XXXX recognizes a buyer may qualify for a lower rate, it should disclose the conditions or loan product ( s ) that may provide the lowest available rate. This approach gives the buyer more information to make a more informative decision. Im disappointed with my loan process with XXXX. The bank may not have committed an illegal act, but its lack of disclosure and transparency is likely intentionally deceptive. Im asking for monetary compensation of {$6500.00} to reimburse me for the discount points I paid under misleading circumstances. XXXX has an obligation to be more transparent with its members. XXXX failed to meet that standard based on how it chooses to advertise its mortgage loan program. | ||||||
| 02/10/2023 | Yes |
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| I was involved in a bank scam. I met this girl and she seemed pretty nice enough to let my girlfriend and I stay over her place because at the time I was homeless and my girlfriends mom kicked her out. While we were staying there some of our personal information was getting taken from us and even as a couple we would argue back and forth about who touched whoever stuff. We didnt realize that the people we were staying with and calling our so called friends at the time were stealing our information and using it to scam us. My girlfriend who has already filed a report for identity theft and myself am trying to file for bank fraud. In my situation it was quite different because I didnt know what was going on behind the scene of what happened but I do know what I was told was that they would deposit some money in my account and all I would have to do is go up to the bank walk in and get the money out of my account. The night that the money hit my account I told them that I didnt want the money because I started getting more information about what they were doing. They threatened me to go to the bank or they would start at the first address underneath my bank account. After that I got the money from the bank and walked out the bank with XXXX from the bank. They then told me to get in their car and they told me to give them the money. I did and they gave me XXXX from the XXXX I walked out the bank with. They then told me I had to go to another branch to take out the rest. I went to another Branch and took out the rest of the money. At the time I didnt have my car and the same people that ran that scam on me were the people I was staying with at the time. I was simply told that I would be getting money hitting my account but not everything that would come with it. In total they scammed XXXX out of my account. | ||||||
| 03/13/2022 | Yes |
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Web | |
| This complaint is for Navy Federal Credit Union ( NFCU ) ; I am also including the consumer reporting agencies in the complaint so that they may mail my complete file pursuant to 15 USC 1681a ( g ). There are two accounts Navy Federal Credit Union continues to report knowing that information is inaccurate and not reportable by Law. NFCU is infringing on my right to credit. NFCU is violating the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and The Fair Credit Reporting Act. I have sent a cease and desist to NFCU and they continue to communicate with me in regards to the alleged debt via mail, email, and my consumer report. NFCU has not validated the debt pursuant to 15 USC 1692g ( a ) and continue to report the alleged debt after I have advised them that there are billing errors. Pursuant to 15 USC 1692g ( 4 ) validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 10 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue reporting late payments on my account. I have already sent a cease and desist, again this is a constructive notice that, absent the validation of your claim within 10 days, you must " cease and desist '' any and all collection activity of the alleged debt. Be aware that unauthorized use ( 15 USC 1692p ) is identity theft. And I have all of the documentary evidence to support my claims if a complaint with the XXXX XXXX XXXX is needed to be filed. | ||||||
| 10/21/2016 | Yes |
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Web | Servicemember |
| It has come to my attention that there is a class action law suit against Navy Federal Credit Union for loan collection malpractice. During the period of time in question, I was a victim of some of the happenings that were taking place. Because I had my checking account and loans through them, they had access to transfer funds without my knowledge to settle up debts that they deemed delinquent when in fact they were n't even 30 days late. There were times when my account would be " frozen '' and the only activity I could make was to pay my loans at a time when I was paycheck to paycheck. When this would happen, my debit card was also frozen causing me to be forced to resort to credit cards to put gas in my car and food on my table to get by until my next payday when I could settle up with NFCU. There were also occasions where I would owe a certain amount and NFCU would simply garnish my entire checking account to fulfill a partial payment leaving me with {$0.00} balance without notifying me, freezing my account effectively locking me out of online banking and everything else, and then garnishing my incoming direct deposit to fulfill the remainder of said loan, again leaving me with little to no money for the following week. Not only did this prolong my hardship, but it forced me to rack up credit card debt which in turn caused me to enter into a debt management program to get out of the debt that had been created. It seems that there is a settlement with the people affected by there practices during this time, and I am writing this to ensure that I contact every avenue possible to make certain I get my fair share from the penalties they 've had to pay out. I 'm not sure what other steps I need to be taking, but hopefully this makes it into the correct hands and gets me on my way to a settlement. | ||||||
| 12/01/2023 | Yes |
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Web | |
| Ive received numerous amounts of hard inquiries that was unauthorized by me from these companies and wish to have them removed as soon as possible. XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX NAVY FCU Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX | ||||||
| 01/17/2018 | Yes |
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Web | Servicemember |
| {$330.00} was withdrawn from my checking account XX/XX/XXXX to satisfy a previous account that was closed XX/XX/XXXX with NFCU that did not have an outstanding balance. The last communication that I have had with NFCU with regard to this account that was closed was in XX/XX/XXXX and it was satisfied in order to open a new account with them which is still active to date. The bank advised that both accounts were active at the same time however they were not because I was not able to open the new account without satisfying the closed account. I have since had an auto loan with them in which I paid off early, a personal loan ( still active ), a savings account ( active ) as well as a checking account ( active ) and at no time did NFCU reach out to me outside of XX/XX/XXXX to discuss the closed account or any balance owed on the account instead almost 4 years later they debit funds out of my account without notice causing it to go into the negative. I asked that they send a copy of the last statement for the closed account they are collecting for as well as the 1st statement for the account that was opened around that time neither of which has been provided to me yet, I am asking that my funds be placed back into my account as it is not owed to them nor can they justify the lack of communication for almost four years on an account they believed to be delinquent that was satisfied. They could only advise that they do not send notices out nor do they call on delinquent checking accounts that are closed, please do tell how would a consumer know funds are owed on an account that was satisfied and not open at the time that the new account was established. I would like the last statement for the account they are saying had a balance as well as the 1st statement for the account that was opened in XX/XX/XXXX. | ||||||
| 01/28/2019 | Yes |
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Web | Older American, Servicemember |
| I co-signed for a mortgage loan through Navy Federal Credit Union in XXXX of XXXX. My parents have occupied the home. I have never lived there. In XXXX of XXXX I and my husband filed for Chapter XXXX bankruptcy. My lawyer had me sign an affidavit to remove my name off of the mortgage with Navy Federal Credit Union. It was granted by the court in Bankruptcy Court of XXXX Al. My mother continued to make payments ( which were 20-25 days late at time though ) but the Navy Federal Credit Union told her that no payments would be applied until my bankruptcy was XXXX. My mother missed the XXXX payment and my bankruptcy XXXX on XX/XX/XXXX. Since she has made several payments as of XX/XX/XXXX ( I believe {$1500.00} total, but the cost went over {$2500.00} in late fees per Navy Federal Mortgage department. They started sending threatening letter after letter to me ( which I'm by law no longer on the mortgage ) my husband XXXX XXXX XXXX ( who filed for bankruptcy jointly with me, but was NEVER on said mortgage and NEVER had any involvement with it, letters were sent to our home address which is in no relation to a loan or any form with Navy Federal. They have been sending threatening letters to my father XXXX XXXX XXXX who is also NOT and never has been on the mortgage. I have all of the letters but I need to know who my mother ( official person on the loan ) myself ( removed from the loan ) and my husband XXXX XXXX XXXX ( never affiliated on this loan ) need to contact? Navy Federal Credit Union told my mother today ( when she made yet another payment ) they can contact my husband over the life of the loan because he is my spouse and I am on the loan ( which I am not and haven't been since XX/XX/XXXX ). I have all letters from Navy Federal Credit Union and payment confirmations. XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/09/2023 | Yes |
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Web | |
| Money from my stepson account XXXX XXXX XXXX was removed and alledgely transferred to my account but no transfer was ever received. The money that was originally sent to XXXX XXXX in the amount {$3000.00}, XXXX XXXX {$3000.00} and XXXX XXXX XXXX my step son {$4500.00} member to member transfers were authorized XX/XX/XXXX. After bank account was unfrozen we had cashiers check to close checking account. We didnt want any big money inside Navy Federal . The only readon we agreed to have monies from their accounts to be sent back to my account so I can send back to them. I dont understand why those funds needed to XXXX sent back to my account. We're currently under litigation concerning the auto loan that was lost due to Navy Federal freezing my bank account. None of those funds should be used for any debt we're currently in litigation. We paid XXXX XXXX his XXXX in person so the new member to member transfers are to XXXX XXXX in the amount of {$3000.00} and to my step son {$7500.00}. Those funds no longer belong to me and we were forced to receive them when I didnt understand why they just didnt unfreeze funds and live them with the recipients. I'm starting believe because I'm in prison my fudiciary Navy Federal just dont care about my requests. I been fighting since XX/XX/XXXX. Please help me. These complaints will help you understand plus this long recording. CFPB previous complaints XXXX XXXX XXXX audio from XX/XX/XXXX XXXX XXXX XXXX attached is the proof of the money being taken out of XXXX XXXX account & XXXX XXXX XXXX XXXX but no alerts were sent to my email stating the money was received. XXXX money was taken XX/XX/XXXX but where did it go? XXXX XXXX was taken XX/XX/XXXX but whete did it go? I emailed a request to have funds transferred but not sure they were actually sent to my account. | ||||||
| 07/08/2023 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union offset over {$10000.00} in protected ( exempt from secure loan disclosure and special interests disclosures ) funds over the last year of my life. I spent over XXXX hours in the XXXXXXXX XXXX branch working with XXXX. XXXX XXXX from NFCU has informed me they will not be refunding me any money, both credit lines are still active, and they will NOT offset from the protected/exempt funds moving forward. Questions : 1. Why is NFCU so confident in keeping protected funds? 2. Why was NFCU allowed to falsely indicate my auto loan ending in XXXX was XXXX and XXXX days late triggering the illegal offsets, " The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show our member established his used vehicle loan ending in XXXX on XXXX XX/XX/XXXX and as of XXXX XX/XX/XXXX, the account has a balance of {$8000.00}. XXXX XXXX loan payment is due on the XXXX of each month. On XXXX XX/XX/XXXX, our members vehicle loan went past due for XXXX payments, totaling {$1400.00}. {$1400.00} was properly transferred from our members checking account ending in XXXX in accordance with the promissory note, in which XXXX XXXX pledged security interest in any share or joint accounts should the loan become past due. Please see attached credit report dated XX/XX/XXXX dating back XXXX years, loan ending in XXXX has never been recorded more than XXXX days late ; XXXX and XXXX of XXXX. 4. Has XXXX XXXXXXXX XXXX XXXX been violated? 5. NFCU has admitted to offsetting protected funds, and yet with no remorse or refund ; what or who are the funds protected from if not NFCU? 6. Why does NFCU have their own representative at the XXXX 7. How powerful is NFCU after the XXXX CFBP order release, why no change as I highlighted repeated offenses? | ||||||
| 07/30/2020 | Yes |
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Web | Servicemember |
| On XX/XX/2020 I received an eidl loan into my " joint account '' with my Younger brother.I put join into quotations because after it was received I was told my brother couldn't be added on my account even though he has a credit card and checking account with NFCU.When applying for the eidl because i got one as well for my small business around XXXX dollars the auto fill accepted and didn't realize my number not his after it grayed.I was told on XXXX that we needed to prove we were brother and sister which aside from a dna test is hard we have pictures from youth ect but different mothers and a absent father which is not uncommon. I went into the bank and withdrew his money and gave it to him he is a sole proprietor working for XXXX and XXXX XXXX/XXXX XXXX. # # weeks later i wake up to my accounts locked and after being on hold twice for 4 hours a time I am told this will be resolved and I can have my money that I just put in the account two days prior if we both come into a branch with our ids which we did the following day.After another ridiculously long hold I am told that my personal funds are being sent back to the sba ... That is my rent my money from working ect money that i physically put into my account.Navy Federal stole XXXX dollars from me without so much as a blink of the eye after doing everything they asked and verifying with documentation .DURING A PANDEMIC!!!! I am going to be homeless because of this asine action. The funding cleared before it was withdrawn and given to him as well. He has even made a early payment on his loan. I want my account and my money back into my account and I want to not be told and have one resolution documented only to be met with lies when coming into the branch.I am a veteran who has honorably served my country and I do not deserve this at all. | ||||||
| 06/01/2020 | Yes |
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Web | Servicemember |
| I have disputed the following account XXXX with Navy Federal they removed the account in XX/XX/XXXX then in XX/XX/XXXX put the account back on my credit report. Under another number XXXX. The reason I have a problem they are not reporting the account correct on my credit file. On all three bureaus the account number should report the same there is all type of inaccurate information that I have pointed out to Navy Federal and they are ignoring me. If you look at the Credit screen shot in which I have included with this email the inaccuracies are in violations of my FCRA rights. Transunion is reporting the account number as XXXX and Experian shows XXXX, Date opened XXXX displays XX/XX/XXXX and XXXX shows XX/XX/XXXX, it is in violation for a closed account to show a payment. Date of last activity XXXX displays XX/XX/XXXX and XXXX shows XX/XX/XXXX. Date of last payment XXXX displays XX/XX/XXXX and XXXX XX/XX/XXXX when you can clearly see on my report that my last payment was XX/XX/XXXX XXXX shows OK but XXXX shows 30 days late. XX/XX/XXXX made a payment XXXX OK, XXXX shows me 120 days late. XX/XX/XXXX XXXX show me 120 days late but XXXX shows 90, made yet another payment in XX/XX/XXXX XXXX shows me 30 days late but XXXX shows OK, XXXX shows the same things XXXX payment OK but XXXX shows me 60 days late and if you look at XX/XX/XXXX I was 120 days late but in XX/XX/XXXX XXXX shows me 120 days late and XXXX reporting 150 days late. All these inaccuracies are in violations of my FCRA rights. I have requesting a 1099-C debt of cancellation they ignored me and took the account off my credit only to put it back on under another account reporting worst than it was. I am requesting this file to be removed from my credit file or provide me with a valid investigation including payment records. | ||||||
| 11/03/2023 | Yes |
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Web | Servicemember |
| Purchased fully without lending during XX/XX/XXXX a ground floor condominium unit due to a XXXX XXXX. At time of purchase with inspection flooding or leaks of any kind did not exist immediate past ( 1 year ) or at that present time. Once sale was complete and upon moving in a flood occurred from a waste pipe. Flooding continued and from two separate locations directly related with waste pipes. A HELOC application and appraisal was completed for a fee of approximately {$1400.00} on or about year XXXX. Following approval of HELOC the related HOA/Home Owners Association and its collection agent sold the deed and title of condo at auction in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Their stated reason for this action was failure of HOA dues payments. The dues payments were actually stopped/halted due to the fact the HOA has full responsibility of its waste pipes and refused, failed to act on the flooding, leaking of waste pipes to my home. Fast forwarding a bit here, the matter reached a trial court. The actions and decisions from me ( condominium title & deed owner ) were correct and justified. The HELOC lender never appeared or communicated with me prior to, during or after trial and judicial findings or rulings. The condominium, its title and deed were forced from me. To this current date or as of XX/XX/XXXX the HELOC account and lender continue taking money from a checking account and savings account, completely separate accounts, that never was it asked/requested to be linked to HELOC. The various amounts of money are literally taken or withdrawn at any given date or any given deposit the HELOC lender deems appropriate. This happens ongoing totally regardless of anything. The fact that the condominium was forced from me, my home ownership, means absolutely nothing. PLEASE HELP! S.O.S. S.O.S | ||||||
| 07/16/2023 | Yes |
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Web | |
| In XXXX I received a letter from the XXXX XXXX, FL Supervisor of elections that my data including name, address, social security number had been illegally obtained in an elections database breach. I have contacted the number on the letter and was given guidance to provide this letter to all of my financial institutions and to file a police report, which I have but am still waiting on since its an ongoing investigation involving over 50,000 XXXX residents. In XXXX I had noticed two successive transactions from my checking account to a sportswear merchant in XXXX for {$210.00} each. Which was unusual and NFCU found the transaction to be fraudulent. Nothing else unusual happened until the month of XXXX when several small, successive withdrawals from my checking account to XXXX totaling {$5300.00} as well as several small, successive withdrawals to a company called XXXX, located in XXXX, totaling {$4000.00} and a single withdraw to a company called XXXX totaling {$150.00}. During this time my email, several online services, business website and cell phone service were also compromised. I have been dealing with this issue and recovering my digital accounts and getting new financial accounts and cards as well as subscribed to XXXX XXXXXXXX. My next step is hiring an attorney to help with this matter. NFCU has provisionally applied a credit to my checking account for the amount of {$5300.00} but has defined the amounts of {$4000.00} and {$150.00}, claiming these amounts are typical activity without suspicion of fraud. Several round number amounts of {$120.00}, {$220.00} and {$250.00} sent over the course of a few days to a sketchy company located in XXXX is considered typical activity. I am awaiting the documentation they used to conclude that these transactions are typical activity. | ||||||
| 12/13/2021 | Yes |
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Web | |
| I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The information for this inquiry listed on my credit report is : CREDITOR : NAVY FCU, INQUIRY DATE XX/XX/2021 | ||||||
| 07/05/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023, Id been in the process with Navy Federal of getting a Letter of XXXX XXXX that I could move forward with the sale of my vehicle. I provided all the information that the Navy Federal requested to proceed with this process and cooperated fully. I explained that I was trying to complete the sale on that day ( XX/XX/2023 ) due to the possibility of me not having time throughout the rest of the week to go through with the sale of my vehicle. I was told that the process might take some time, but the possibility of my receiving the letter on XX/XX/2023 was doable. Around XXXX XXXX, I spoke to a representative in XXXX XXXX regarding my Letter of Guarantee to see if it would/could be processed that day. Id also explained that I was at the dealership, and they were waiting for the letter to complete the sale. I understood it couldnt be done that day, but the representative told me my Letter of Guarantee would be available that day ( XX/XX/2023 ). She told me to check my email and the Navy Federal e-message for the letter within the hour. I hung up and waited for the letter but did not receive the letter at all. On XX/XX/2023, I called back to find out what happened to see why I hadnt received the Letter of Guarantee yet. Id further explain that I might not have the same time to complete the sale if the letter was not sent promptly. I still have not received the letter at the time of this CFBP submission, and I am still waiting. I was told false information from the last representative I spoke with in XXXX XXXX on XX/XX/2023. If this process could not be completed on that day, she should have relayed that information so that I could have done something outside the expectation that Id receive the letter that day. Im very unhappy with the customer service, deception, and inconsistency. | ||||||
| 03/09/2017 | Yes |
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Web | |
| Good morning, I have had an account with Navy Federal Credit Union ( NFCU ) since XXXX. During the past 10 years I have experiences unethical and unprofessional business practices by all " customer support '' representatives affiliated with NFCU to include but not limited to, Debiting debt Payments from a youth savings account without permission or notification, allowing loans and credit cards to be opened without my consent or knowledge, especially XXXX which was specifically granted during a XXXX when they were required to reduce interest rates for pre-Mobilization debt, Harassment of my Family, and friends to strong arm me into paying debts and now crediting debt to prevent me from closing my accounts and formally ending my affiliation with NFCU. I have spent several years repaying debts to NFCU properly and responsibly as to be a good citizen and not declare bankruptcy as I have seen others do to avoid paying their debts. However, today when I have no reported debts remaining on either my credit report or in any statement for the last 3 years, NFCU has informed me there is an outstanding debt of {$58.00} on my Share-Savings account from XXXX which I have never received a bill or can find any proof of in either online or paper statements. I only have a message from NFCU, via their website, stating the account has a debt, which also does not show on the site. I have attempted to proceed honorably with NFCU ; however it seems they are unwilling to let me sever my relationship with them without taking another pound of flesh. I have decided to fight this claim as a line in the sand that I will go no further. I 'm hoping this will help build a case against NFCU 's unethical and unprofessional business practices and prevent them from doing this to others. XXXX ( XXXX ), XXXX, XXXX XXXX XXXX | ||||||
| 06/27/2018 | Yes |
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Web | |
| ***Re-submitting my complaint with additional information*** I have applied for an account. The system notified me after providing the requested verification of address that it was not received. I then called to find out why. The first agent advised that the automated system rejected my bank statement. When I asked why, she advised she did not know. She then transferred me to XXXX, a supervisor. I asked him the same question as I did the agent and he said because thats what security is saying. When presweed he continued to say because thats what security said. I advise XXXX that it is my right to know why this is being rejected as my identity has been stolen twice now and if there is an issue I need to know. he then continued with, because thats what security says and we dont have to disclose this to you. Then when I asked why i wasnot allowed to lnow he proceeded to tell me because of security. I then asked him if my bank statement was rejected by the automated system or by a real person and he proceeded to tell me he didn have to tell me this. I also asked XXXX if I submitted another document off the listed since it was for address verification and I redacted other personal information, he advised me that it would also be rejected but refused to tell me why since this is only for address verification and not identity verifcation. XXXX also refused to provide me with his ID number so a complaint could be made as well. My account has been opened since the end of XXXX, which is the same time that XXXX XXXX received my complaint. I responded back stating the only reason that my account was all of a sudden opened and approved was because of my compliant. I received an email this morning, XX/XX/2018 advising my application was denied even though my account has been opened about a month. | ||||||
| 03/03/2018 | Yes |
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Web | Servicemember |
| We have an account with Navy Federal Credit Union. While navigating around online, we decided to check out applying for a loan to buy a new car. Our lease was up in XX/XX/XXXX so we needed to get something else. We did the online application and received an approval of a loan for {$25000.00} at 3.6 %. So we started to shop around. We made a phone call to confirm the loan approval. We were never told that the percentage rate would fluctuate so drastically. On XX/XX/XXXX we found a used XXXX XXXX. We made a conscious decision to buy within our budget well under the {$25000.00} so our monthly payment would be affordable to us ( around {$400.00} a month ). Shortly thereafter we received paperwork from Navy Fed increasing our percentage rate up 130 %!!! We realized that it may be raised a bit, but from 3.6 % to 8.1 %?? When we called and confirmed the loan approval we were never informed that this ( 3.6 % ) applied to new cars only. We feel blindsided and upon calling Navy Fed they were no help to us. We would have never bought a used car for this price. We are now paying a extra {$3000.00} in interest charges. Making the car a ripoff!! It already has XXXX miles on it. We probably would have leased a new car or did something very different with the financing if we knew this information before signing for this car loan. Our question is why wouldn't Navy Fed tell us to call them before signing on the dotted line??? If it was a 5 % difference we would not have bought that car. We would love to just give the car back because the good deal we work so hard at creating just isn't that great. Any help you can provide will give us peace of mind that we tried to work things out with Navy Fed ... a wonderful banking institution, but this is creating a bad business relationship due to this car loan. | ||||||
| 11/06/2022 | Yes |
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Web | |
| I, XXXX XXXX XXXX XXXX, a natural person, am competent and of age with facts regarding the transaction herein stated, and I am currently under XXXX XXXX XXXX XXXX from NAVY FEDERAL CREDIT UNION, I affirm and state that the following are true complete and accurate to the best of my abilities and do declare the following : 1. On XX/XX/XXXX I sent a Billing error notice and refusal to pay, certified mail return receipt requested ( see EXHIBIT XXXX AND XXXX ) and requested explanation for the erroneous misrepresentation on the statement ; 2. On XX/XX/XXXX XXXX issued Report # XXXX for XX/XX/XXXX ( SEE EXHIBIT XXXX ) claiming that The item remained unchanged from processing my dispute. This is a violation because the item failed to show that they were dispute at that time ; 3. On XXXX XXXX XXXX issued Report # XXXX for XX/XX/XXXX ( SEE EXHIBIT XXXX ) which appeared to show adverse information regarding the amounts previously refused due to irregular billing practices. The account still was not updated to show that I disputed the information until after the adverse information had been added. 4. As of XX/XX/XXXX NAVY FEDERAL CREDIT UNION has violated my privacy and used XXXX like tactics to violate the integrity o my information, ignoring request to only communicate about my account via the U.S. mail to avoid any misunderstandings the company has ignored requests from my Attorney General Office and when I asked them to clarify what type of balance, they never tell me, it is my opinion and belief this balance is a credit balance and I have asked for refund but did not receive any valid response. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/XXXX /s/ XXXX XXXX XXXX XXXX XXXX XXXX natural person. | ||||||
| 03/19/2019 | Yes |
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Web | Servicemember |
| On XX/XX/2019 at approximately XXXX I called Navy Federal Credit Union to place a security word for all my accounts at NFCU , also had a note added to accounts that stated " No deposits are to be made unless account member is physically present and ID is used to verify, also a phone call to verify. On XX/XX/2019 a deposit was made into a mortgage account that is solely in my name, I was not present nor no verification was attempted by NFCU as I had previous requested. On XX/XX/2019 at approximately XXXX I called NFCU and talked to a represenitive from accounts ( did not get name nor employee ID number ) I explained what had happened and why my request was not being honored by NFCU , employee could not answer my inquiry and transferred my call to collections dept. I then spoke to a XXXX employee number XXXX and again explained what had happen and why my request was not being honored. XXXX stated that " NFCU does not refuse any deposits into accounts ''. I then asked her " even if the person who is making the deposit name is not on the account? ", she stated " yes ''. I asked her to check with the security dept. to see if anything could be done or what are the rules that apparently allow this to happen. XXXX put me on a brief hold and then returned and stated " NFCU does not refuse any deposits into accounts ''. I said thank you and hung up. This is my complaint, it is very freighting practice that anyone with an account number has this kind of access no matter what the reasoning is and is able to deposit without member being aware of what activity is happening to their accounts. I had placed this security measure ( for my own reason ) on my accounts and my request was not honored, this needs to be resolved and if can't, this complaint needs to move forward. thank you for your time. | ||||||
| 03/23/2023 | Yes |
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Web | |
| Because I disputed an account with Navy Federal Credit Union, the company has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my consumer report and closed my account without my lawful authority or notification. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) C. The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Navy Federal before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Navy Federal Credit Union to furnish any " late payments '' to my consumer report. It is my belief that due to Navy Federal Credit Union business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. | ||||||
| 09/02/2022 | Yes |
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Web | |
| I spoke with Navy Federal on the XXXX of XX/XX/2022 the department was over deft department, I told them that I wanted to take next weeks deposit and place in my account that was almost XXXX old and the rep agreed but on the XXXX of XXXX the automated system placed it in the wrong account and I called to see if the would take the money and place in the correct account and I was denied. I was not able to speak with a supervisor myself but was denied that right and was hung up on multiple times and was told that I could not speak with anyone in the over daft department by a supervisor in checking department who was very nasty and rude and by multiple customer service representatives more than once and more than twice and more than XXXX times. I was told by a leader that tried to assist me but wasnt successful due to the time this was in the branch that when I left Navy Federal on the XXXX of XX/XX/2022 to call and only ask to speak with a supervisor in the over draft department this was after XXXX central time, I called was denied the right to speak or to be transferred to the overdraft collection department by every rep that got on the line. I was abused by rep named XXXX and he hung up on me and stated that I needed to stop calling because my issue will not be resolved. Because of the stress and unfair way I was treated by navy Fed I did lash out on XXXX conversations because of the unprofessional attitude of the supervisor and representative for that I apologize, but it did not give other representatives the right to mistreat me when I called back to try to speak with a supervisor in overdraft department. I would like to verbally make a commitment against these representatives Navy FederaXXXX is a good credit union and I never had issues with customer service but on XX/XX/2022 XXXX | ||||||
| 06/10/2023 | Yes |
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Web | Servicemember |
| I applied for a mortgage loan of XXXX which is not a normal amount compare to XXXX mortgage loans. My income debt to ratio is excellent and my score/credit is in good status. I do not have any mortgages or auto loans. I only have two credit cards which i use. Suppose to be an easy mortgage transaction but I was wrong. there is no other way to call this, subject of mortgage loan discrimination. My loan was denied with the explanation of poor credit with the bank. I always had good standing with them in regards to my old mortgage loan. My credit card with the bank suffered a stolen amount that NFCU was unable to resolve. As a result my excellent credit with excellent credit score went from excellent to good status. From the time I submitted a loan application, it was going to take several weeks before application was review according to Loan officer it is taking long than expected for the loan. 3 and half weeks passed nothing, no call or anything. At this time home is already with the contract option pending. Yet i decided to wait to see the outcome because it was submitted to underwriting without any contract. according to loan officer i have to wait more weeks in underwriting if I am going to change the loan amount. which i supposed to since the home i was interested was not available anymore. I was waiting for their initial approval. After waiting a month It seem they were looking for an excuse for a denial that they could not find because I met all the loan requirements as it should be. Keep note I had good record of my old mortgage with NFCU that I paid off in full and didn't miss a payment. This is a case of a bluntly loan discrimination that NFCU is allow to get away with it apparently. I meet all requirements for a mortgage loan, I made sure before I submitted my application. | ||||||
| 05/23/2018 | Yes |
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Web | Servicemember |
| I started playing an online game. I made a few small in app purchases for {$4.00} to {$9.00} each. These purchases where made using XXXX XXXX. Thousands of dollars worth of charges have shown up on both of my Navy Federal credit cards. XXXX XXXX refunded a bunch of them on one of the credit cards but refused to on any of the other charges. I contacted Navy Federal and started the dispute process. They just sent me letters for each dispute saying that they're not going to refund the purchases, I did NOT agree to these charges, dozens of player 's on this game, from all over the country are being charged thousands of dollars that they did not spend. The display of incompetence and the supporting of this fraudulent behavior, displayed by both Navy Federal Credit Union and XXXX XXXX is beyond ridiculous. I have played their games, jumped through their hoops and they are still trying to steal from me. The app is named XXXX XXXX XXXX XXXX. It is a XXXX based game and they are over charging there player 's thousands of dollars. Navy Federal Credit Union and XXXX XXXX is enabling this extortion. I have spent dozens of hours of my personal time trying to resolve these issues. I seldom use these credit cards so I wasn't paying attention to the account balances going up over the 4 or 5 months that these charges where accruing. It is going to be nearly impossible for me to itemize these charges, as I have a XXXX from an XXXX in XX/XX/XXXX. I truly believe that both of these institutions are using this against me. My inability to sort out every XXXX, I get confused when I get stressed out and I'm unable to work through these things. Bottom line is I did authorize about {$150.00} to {$200.00} worth of charges, not {$10000.00} plus. I no longer have the mental capacity to play these XXXX games. | ||||||
| 02/01/2022 | Yes |
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Web | |
| I have had accounts with NFCU since XXXX. I have logged into my online account since XXXX, and used XXXX XXXX XXXX for logging in and all my browser use since XXXX. It refuses my login after 16 years of my logging in : it has trackers installed. These trackers include XXXX and XXXX and XXXX. ( See attached screenshots. ) This is underhanded, violating privacy, and should be illegal for a financial institution. It apparently wants me to disable my tracking blockers. I have exclusively used XXXX or other XXXX XXXX since XXXX. The FTC even has several web pages on how to protect privacy in four different browsers. Since XXXX or earlier, NFCU login page has intermittently refused to allow me to log it. See attachments including rejection message. I had not previously had trouble logging in. I have called with a complaint to NFCU at least once. They did nothing but tell me to use XXXX browser or restart my wi-fi : XXXX XXXX has worked for XXXX years of my use. I reported it to the XXXX with no response. The login rejections have become more frequent. I refuse to disable my ad blockers and tracking blockers. NFCU 's response to use XXXX because its programmers flunked everything but XXXX in high school is unacceptable. XXXX violates privacy. Its other responses to reset my computer and wi-fi worked intermittently, and now do not work at all, and are an unacceptable " solution ''. I attach several screenshots of my blockers blocking XXXX trackers, XXXX trackers, XXXX analytics, XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX. It is unethical for any financial institution to have XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX ads and trackers. That is a reprehensible practice by any institution, but even more suspicious, unethical and criminal when practiced by a member-owned financial institution. | ||||||
| 08/21/2018 | Yes |
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Web | Servicemember |
| Someone gained access to my online bank account and transfer {$4500.00} from my checking account to a XXXX XXXX XXXX Account XXXX indicating I am the owner of this XXXX XXXX XXXX Account. I do not have a XXXX XXXX XXXX Account, and the account is not mine. I have contacted XXXX XXXX XXXX myself and confirmed this is not my account. My bank is holding me accountable for the lost, denied my fraud claim. They argued that since the transfer was originated from one of my devices according to their IT, so I 'highly likely have made this transfer '. I did not create the external account indicating its my account in my online banking account, then transfer {$4500.00} to this particular account I have no access to. I did not authorize the transfer of {$4500.00} from my check on XX/XX/2018. I informed the bank of this unauthorized transfer on XX/XX/2018. I do not have access to this external XXXX XXXX XXXX Account, and it is not under my name. My bank is only willing to send a letter to XXXX XXXX XXXX to request the return of {$4500.00}, and they did not iniliate the transfer after a week of me informing them. My bank known the external account is not mine, even despite it indicate it is transferring to me, but holding me accountable without evidence proving I made the transfer. My Bank is : Navy Federal Credit Union Account Number : old ( compromised account ) XXXX new:XXXX Call NFCU multiple times each day. Submitted appeal over 10 days ago. First was told they received the appeal and it takes time. Then was told today they didn't receive the appeal and I would need to resubmit the appeal. Called three times today to ask to speak to the agent who handled the case but was told she can't speak to me. In all three calls today I was told no one is working on this case or looking into it. | ||||||
| 02/07/2018 | Yes |
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Web | Servicemember |
| Retailers who others put in their business permits and ran raido and media and accounts who frauded back my documents stack. A I have two boat captain in my documents stack. Others in Florida frauding my documents and as boat 's and marina permits frauding back USA XXXX XXXX accadamy of XXXX XXXX Indiana. Frauding scams frauding my brother documents of XXXX XXXX XXXX XXXX XXXX Indiana birth certificate of XXXX XXXX XXXX later changed in early XX/XX/XXXX to XXXX XXXX XXXX then thru my mom 's 2nd marriage to XXXX XXXX it was changed to XXXX XXXX XXXX XXXX Then others frauded boat captain of XXXX XXXX XXXX of XXXX county Indiana and his mom of XXXX XXXX XXXX XXXX of XXXX county Indiana who is XXXX. Both XXXX XXXX and XXXX XXXX XXXX XXXX are registered through XXXX XXXX Indiana USA XXXX XXXX accadamy as XXXX XXXX through power squadern. Small water craft Then myself after boating for 20 years with boat captain was a first mate declared by others boat captains My XXXX birth certificate of XXXX county Indiana my legal father of my Mom first husband of XXXX XXXX XXXX his was was prior USA XXXX I XXXX XXXX XXXX XXXX XXXX prior USA XXXX My brother of XXXX XXXX ( XXXX XXXX ) XXXX XXXX Prior USA XXXX XXXX XXXX sister marriage to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX county Indiana XXXX XXXX was prior USA XXXX My mom 's 3rd Husband of XXXX XXXX XXXX was prior USA XXXX You have a 50 states grocery store and diners menus and shopping malls locations and shopping malls and other herds and others boat scams and business permits and schools and colleges and internet herds listings scams and realistate business and banking permits and auto stores and land development hooked up on my documents hooked up against USA XXXX XXXX documents and verterns documents Federal and state not authorized | ||||||
| 12/13/2023 | Yes |
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Web | Servicemember |
| Transactions : {$1300.00} : XXXX XXXX XXXX XXXX XXXX$1500.00} : XXXX XXXX XXXX {$500.00} : XXXX XXXX XXXX Paid {$1300.00} deposit for moving agency to move my things that in contract states it will go towards the move. The moving agency used third party movers which was not explained to me. The movers were rude, late, and did not move all my items resulting in me having to dispose of my property. The movers told me I owed more for the move than what was initially agreed on which did not make sense because they left items. The mover had me sign a paper and stated I could pay once I resolved my issue with agent about discount for move. Once the moving agency received payment I rarely herd back from them in regards to anything I called for a week and there was no response or resolution. The second week the movers call me threatening to sell my property unless they received a payment. Their contract clearly stated no payment should be made if youre in a dispute process which I was. I explained and sent a picture of contract. The movers could care less. The movers were rude and when I would call would ignore it but send me a text. They argued with me through text after business hours. I was given XXXX to pay them XXXX dollars book a flight to XXXX, get a uhual and move my things myself, mind you XXXX in south Florida XXXX I asked about the XXXX going towards the XXXX and she said no although it states in the contract it does. At this point I was forced into paying the ransom in order to get my things. I paid XXXX for a move that did not happen and still had to pay for a flight, uhual and gas XXXX XXXX my stuff all the way down FL which was close to an additional XXXX. I understand that contract say non- refundable however the service was never completed so now it is considered fraud. | ||||||
| 11/23/2023 | Yes |
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Web | |
| On XX/XX/2023 at XXXX XXXX, I contacted Navy Federal Credit Union 's customer service regarding a concern I had with the check deposit processing time. I had deposited a check over a XXXX dollars in the on-site ATM at the Navy Federal Credit Union 's local branch in XXXX, GA on Saturday, XX/XX/XXXX. After waiting on hold for an agent to answer my call, I was able to speak to an agent. She elaborated on the check deposit processing time of 7 business days, and our conversation ended on a professional note. However, after I ended the call, my checking account was flagged by the Navy Federal Credit Union security department at XXXXXXXX XXXX on XX/XX/XXXX. I was unable to log in with my correct credentials and was left confused about the situation. The next day, on XX/XX/XXXX, I called Navy customer service and was informed that I needed to speak to the security department. But the agent told me the wait time was two hours or more. She suggested that I go to the Navy Federal Credit Union local branch. When I went to the branch, I was told that they could not assist me with unlocking my account. The manager on duty could not provide an explanation about my locked account with their security department. She suggested that I call the security department after XXXX XXXX. However, when I called again after XXXX XXXX, I found out that the security department 's hours of operation were from XXXX XXXX to XXXX XXXX. I am an XXXX and I deposited a significant check amount at Navy Federal Credit Union XXXX However, my transaction was flagged as suspicious activity. I am confused about why Americans can't deposit a significant amount of checks into their account without being flagged as suspicious. Can you help me understand why this happened and why my checking account is still locked? | ||||||
| 09/03/2023 | Yes |
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Web | Servicemember |
| Twice, last month - NFCU employees went out of their way to racially profile customers, then deny them ( me ) service. On XX/XX/XXXX, their employees simply refused to open their bank doors at XXXX. 3x, a manager came to the door to tell us they werent opening, because they were scared of the XXXX women & other customers yelling about waiting, outside. We had to call the police to force bank employees to open the door. A different manager later lied and said that the police had told them to lock the doors. That wasnt true - when police arrived- they had no idea why bank employees refused to open up. I made a point of also speaking with the person who locked us out, she likewise lied and denied locking the doors in our faces, except we filmed it. There was no excuse for such random, rude behavior, at all. Then - XX/XX/XXXX, I went in person to the XXXX Branch where the receptionist/manager demanded my ID, accessed my accounts, asked me why I was there, tried to dissuade me from accessing the service of speaking with a loan officer, and instead directed me to a man I suspect was security, because he couldnt or wouldnt intelligently answer one, single question of mine. He mumbled something about how he didnt know what I was talking about, and I needed to make an appointment to come back at a later date to speak to someone else. I told him that I had taken 2 buses to get there, and wanted to speak to someone that day. He refused to route me to a more appropriate person, provide rates, or even offer a brochure to explain mortgage types and other, pertinent information. His attitude and behavior were evasive and atrocious. In frustration, I asked if I could apply online- which he confirmed. Unfortunately, after applying at home- my application was rejected and denied for no reason. | ||||||
| 08/01/2023 | Yes |
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Web | Servicemember |
| Attached is a copy of a check from NFCU/Navy Federal Credit Union bearing my alleged signature. Also, attached is a promissory note ( a copy ) unsigned bearing no signature, just alleged loan information i.e. amounts and my personal information. The promissory Note has lined titled " Applicant ( Member ) '' notice it has no signature. NFCU, this is my 18th request of Debt Validation pursuant 15 USC 1692g of the Fair Debt Collection Practices Act. I am asking for a signed original ( bearing my wet signature ) copy of the Promissory Note, Security Agreement and Disclosure loan # XXXX in the amount of {$48000.00}. I am not asking for a copy check ( addressed NAVY FEDERAL CREDIT UNION ) that has xeroxed front and back bearing what is to be my alleged signature. I am asking for the Promissory Note. NFCU is reporting information that it knows is incorrect, false and wrong. According to the 15 USC1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I HAVE INFORMED NFCU 18 TIMES OF THIS ERROR! Yet you report information that is wrong without out proof or investigation. Remove yourselves from my consumer report immediately | ||||||
| 10/16/2022 | Yes |
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Web | |
| In XXXX XXXX three friends and I found an apartment unit in downtown XXXX on XXXX to rent for {$430.00} from XX/XX/XXXX to XX/XX/XXXX for our spring break trip to XXXX. The photos and reviews of the apartment seemed nice, so I booked the unit with my XXXX credit card XXXX on XX/XX/XXXX through XXXX website. However, when my friends and I arrived, we discovered that the apartment was not as advertised, and soon realized that most of the photos and reviews were fake. The windows were broken, the bathroom was in utter disarray, the bed and floor was dirty, the unit did not fit four people as described, and there was trash and XXXX all over the place. The host had billed an additional {$300.00} deposit " refundable only if we stay '' from my XXXX credit card, which was not brought to our attention before we rented the unit, so we had no choice but to stay at that dilapidated unit. After the second night, I found multiple rats had infested our unit and took photos. They chewed through our food, chewed through our electronics, and left dung all over the already dirty floor. We decided to move out early, and I had to do basically all the cleaning even though the host had charged me over {$120.00} in " cleaning fees. '' I confronted the host about all this, and the host even refused to refund me any portion of the {$430.00} stay! I immediately tried to escalate with XXXX customer service and file a chargeback through my bank, Navy Federal, in the weeks after the stay but the dispute was denied. This XXXX unit was an utter scam for {$430.00} and tarnished the reputation of XXXX in my eyes ; I could've found many 4 star hotels in XXXX that are cleaner and nicer than this XXXX. If this is the quality of units and hosts that are on XXXX, then please, I do not want to ever use XXXX again. | ||||||
| 03/16/2020 | Yes |
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Web | Older American, Servicemember |
| As 5 decade members of NFCU and seniors with a VA XXXX, NFCU failed to give us a fair processing of our mortgage application. The loan was approved by the credit review team on XX/XX/XXXX with a XXXX XXXX and DTI well within VA guidelines. I was told that the everything looked good and the target closing was on XX/XX/XXXX. On XX/XX/XXXX we got an urgent call for payment of the appraisal fee and an appraiser would call within 5 days. No appraiser ever called. At XXXX XXXX on XXXX XXXX we received an email ( attached with auto replies ) stating our application was terminated after a Credit Review Team meeting. When I replied within minutes both to her and her supervisor were returned reading they were out of the office from the day before their email until XXXX. Businesses don't send an email like this on XXXX XXXX unless they are vindictive. The follow on denial letter received in XXXX merely was a checkbox for DTI and prior credit history, contradicting what I had been told previously. Most importantly, at no time during this whole 45 day process did anyone at NFCU raise any concerns, ask for clarifications, propose any options. I also received no immediate credit for appraisal fee as promised and I had to file a claim with the credit card company. This leads us to believe that we were denied due to a late year change in policy about senior members on VA XXXX having mortgages with NFCU or we were deliberately strung along as retribution for a bankruptcy filing nearly 10 years ago. An subsequent application on XX/XX/XXXX to XXXX just closed, was approved and well within DTI limits which confirmed our suspicions of NFCU bias against seniors or us personally. Our loss was 3 months of interest / PMI payment savings totaling {$1000.00} plus unneeded stress and humiliation. | ||||||
| 12/13/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I notified NFCU that I was called to XXXX XXXX and requested my two credit card and personal loan interest rates be reduced to 6 % IAW the SCRA. On XX/XX/XXXX NFCU confirmed that they received the request and to allow 10 days for eligibility determination and another 30 days for the action to be processed. On XX/XX/XXXX, I contacted NFCU for a status update and the representative told me to check back in three days. On XX/XX/XXXX, I contacted NFCU via secure messaging and requested a status update and that I'll be launching an official complaint. On XX/XX/XXXX, NFCU responded " We have completed the initial review of your request and determined that you may have one or more accounts deemed eligible for Servicemembers Civil Relief Act ( SCRA ) protection. However, due to a high volume of requests for SCRA benefits, we do not have an exact estimation of when your request will be completed. All requests are processed in the order that they are received, and we are working diligently to complete your request as quickly as possible. We would like to assure you that any eligible benefits will be backdated appropriately when your accounts are processed. '' I understand that they may have a high volume of request to process, however that should not affect me or NFCU compliance with various laws. In another two weeks, it will be going on 2 months since the request was submitted. In my opinion, if NFCU is unable to handle the volume of request in a timely manner, then NFCU should contract or hire additional FTE within their compliance department to handle such request. As of the date of this request NFCU, still have not processed my SCRA claim for the following accounts : Credit Card XXXX ( 18.00 % ) Credit Card XXXX ( 18.00 % ) Personal Loan XXXX ( 17.75 % ) | ||||||
| 12/08/2023 | Yes |
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Web | Servicemember |
| Requested to have the late remarks stricken from my report so I can close on a house, but the lenders are refusing to remove said remarks due to their opinion that the information is accurate so they don't need to remove it. The problem with this is that the payments have been made, the delinquencies have been resolved, and a thorough explanation was given regarding what happened to cause the delinquency to begin with. They didn't care. They seem to think that just because it occurred to begin with, I should suffer from such and that they are under no obligation to help out at all. All communication was done over the phone with the lenders-Navy Federal XXXX XXXX and XXXX. The lenderS said the information is accurate and to talk to the credit bureaus. Then the credit bureaus tell me that they only report what the lenders tell them and to go back and ask the lenders to remove it. I have been filing disputes and talking to them but they're dragging this out and I only have so much longer before the seller backs out and my loan possibly gets denied due to these late remarks. I don't know what else I can do because they won't work with me and they aren't doing their job of removing these remarks. I am working with XXXX XXXX to do better and take the necessary steps to have a healthy credit. The date I'm referring to is XX/XX/XXXX 's payment for my {$2300.00} auto loan with Navy Federal CR Union and {$1400.00} loan with XXXX. Yes I was late, but I've explained that it was due to XXXX XXXX with me and my newborn being sick and being worried and distracted by this that I ended up being late. I need a home for my family, so I won't let this happen again because I'm trying to do right by my child. I don't know what else I can say or do to get them to do their jobs, please help me. | ||||||
| 12/20/2022 | Yes |
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Web | Servicemember |
| Dear Consumer Financial Protection Bureau, I am filing a complaint against Navy Federal Credit Union, concerning a fraud claim for card num ending in # XXXX of {$190.00}. Navy Federals investigation determined an agreement that an error occurred as I asserted and that a provisional credit was applied that was not applied temporarily while they await information from the merchant that supports the validity of the disputed charges. It clearly states in the provided letter that : if the merchant does not provide information within 45 days from the date of the letter, their determination that the error occurred as I asserted will be final and the provisional credit that I did not receive would become permanent. It has been well off past 45 days and Navy Federal has failed to communicate and refund the money back to my account regarding my claim. The merchant has not sent any information within the timeframe stated in the certified letter within this claim ( See Attachments ). Navy Federal states that when their investigation was completed I would be notified of a determination stating whether the provisional credit that I did not receive during their investigation was removed or permanent. RESOLUTION : Therefore, I am filing a complaint with an expectation of authorization action to be taking place for the return of my funds to be expedited back to my new credit card account ending in # XXXX. I am also a victim of disable discrimination with a XXXX XXXX and demand a resolution for those of disabilities to be advocated for under the American of Disability Act to be able to use their reasonable accommodations regarding and claims and consult with a customer service provider as a Private ClienXXXX base on their disability needs. Respectfully Submitted, XXXX XXXX XXXX | ||||||
| 09/14/2022 | Yes |
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Web | |
| I, XXXX XXXX am a natural person, consumer in commerce and I am writing this complaint to address several issues that I've encountered with NAVY FEDERAL CREDIT UNION. I have been misled by NAVY FEDERAL CREDIT UNION AND Agents thereof to think that I have received benefit for the XXXX XXXX XXXX XXXX ending in XXXX and the Business XXXX ending in XXXX. NAVY FEDERAL CREDIT UNION has failed to disclose the following : I have the right to opt out of disclosure of my nonpublic personal information being disclosed to non affiliated third parties, I extended value to the instrument with no consideration, NAVY FEDERAL CREDIT UNION received consideration and unjust enrichment from my open end consumer credit plan as defined in 15 US Code 1602 ( j ). NAVY FEDERAL CREDIT UNION has shared adverse information on my consumer report that has harmed my financial reputation, disclosed false and misleading information concerning the private consumer credit transactions, NAVY FEDERAL CREDIT UNION has continued to take adverse action against me even after I've sent notices to remove all adverse items from my consumer reports. Had I received full disclosure, I would have not entered into any agreement with NAVY FEDERAL CREDIT UNION. I did NOT knowingly and willingly agree to an unconscionable agreement. NAVY FEDERAL CREDIT UNION has conspired and restrained trade and commerce which is ILLEGAL. NAVY FEDERAL CREDIT UNION has closed and charged off both of my credit cards which is discrimination and an adverse action. NAVY FEDERAL CREDIT UNION has sent deceptive billing statements requesting payments knowing that one can not pay on a credit balance. NAVY FEDERAL CREDIT UNION has used unfair and deceptive trade practices and I am demanding removal of all adverse items on my credit file immediately. | ||||||
| 03/28/2022 | Yes |
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Web | |
| This complaint is about Navy Federal Credit Union and it's lack of willingness to assist it's military family members correctly. I'm a senior with multiple health issues and was just released from the XXXXl for XXXX and is XXXX XXXX and XXXX. As a favor to me my sister is a caretaker for our family she deposited money into my NFCU account but the deposit and transaction didn't complete the location of NFCU is solely an ATM location the ATM machine didn't process my deposit and show that it went into my account. It was a drive thru ATM in the outside. So it didn't return my money either it says for us to contact NFCU this location also has a inside ATMs so she goes inside to try and get my money back but the ATM wouldn't return my money. I immediately contacted NFCU to file a claim and told them what happened. NFCU did an investigation and then credited my account for {$450.00} dollars. But the weeks later unknown to me they overdrew my account saying I owe them the {$450.00} back to NFCU my own money. They're claiming they didn't find any money. No letter no phone call nothing and they also took a small check that was deposited from my part job that sends a check via direct deposit. Leaving my checking account overdrawn {$320.00} claiming I owe NFCU money. But one fraud prevention agent suggested that NFCU may have looked at the wrong ATM machine but I requested another appeal this my own money that they're coming after me for all because the investigation was not conducted properly this NFCU ATM location has ATMs drive thru where my money originally was deposited but not processed into my account and they have inside ATMs my money is there. But now these people are treating like I'm a criminal and I'm XXXX XXXX just having been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 04/05/2023 | Yes |
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| I have been with Navy Federal for years. To me one of the best banks. However, most recently this year I claimed 2 fraud charges one charge international and another charge local. I filed the dispute, the rep advised they its computer generated and it does not give the reason why. Once it was denied. I did an appeal. According to the appeal which I submitted on XX/XX/2023 : Thank you for your response. Your appeal has been submitted for review, it will be worked in the order in which is was received. Currently, there is no specific time frame, however, your appeal will be worked as swiftly as possible. The final determination of the second review will be noted on your account. If you have any further questions please let us know. I spoke with Navy Federal on yesterday to a fraud XXXX. I advised her that I am on a strict budget and my account is being overdrawn every month due to the fraud done on my account may I get an update because its going on XXXX months. She came back and said the system does not give us a reason why however the appeal was denied. I have yet to get any documenation and its 1 day later. They state 1st appeal worked in the order they are received, now 5 mins later you all have a decision. This practice is unethical and I will be getting the attorney general invovled this matter. People work hard for their heart earned honest living money and the banks will try to legally rob us. I am disputing a total of {$890.00} and they have done nothing but failed me as a consumer and this hurts. We just our trust in bank and we look for answers and they tell us its no addtional information its just a system based response. I asked should I file a police report and the rep tells me its pointless. So what should consumers do if fraud is done on their accounts? | ||||||
| 01/14/2020 | Yes |
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| I requested a balance transfer onto my new card, when I opened the account on XX/XX/XXXX. To this date of XX/XX/XXXX, XXXX XXXX has failed to pay off my other card, but has charged my new platinum Visa card, on XX/XX/XXXX, in the amount of XXXX for this balance transfer. The inquiries I make vary wildly and all information I'm given is conflicting and inconsistent from Navy Federal. They charged me for the balance transfer, but never paid off my XXXX XXXX XXXX balance. I spoke with my branch manager who also failed to fix the the issue. They have charged the balance transfer to my account but never paid off XXXX nor can they give me clear information about what is happening or when it will be paid off. I asked them to follow up and they refused via the call center supervisor on XX/XX/2020. They wanted to do a stop payment today, and reissue the check, aka start from square one. I called in again and was transferred to the " Resolutions '' department. They keep repeating what " should be, '' etc. People continue lying to me about the scenario and using inconsistent and completely differing timelines, 3-5 business days, 10 business days, 14 business days, etc. I was also lied to initially and told by " XXXX '' before transferring me to the " resolutions department '' handled NCUA complaints, then quickly found out they do not. The Resolutions agent refused to tell me other than " Upper management, '' who could help me with a NCUA/CFPB complaint. She lied and told me " they '' were unavailable and refused to let me know which department I would need to speak with. A stop payment would cause me a fee if/when XXXX ever receives the check, and I am sure Navy Federal would not hold themselves accountable for putting a stop payment and sending a bad check to XXXX on my behalf. | ||||||
| 04/02/2018 | Yes |
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| I've been with Navy Federal for about 8 months I think. I have paid My car loan on time every time every month without any issues. When I got this contract they sent me some envelopes to send the title back in if the previous company sent it to me. I returned the title as advised to navy federal, they confirmed they received it. I than few weeks later received a notice of Power of attorney. I called in as I am going to the mail box spoke with the navy federal auto department and specifically asked her if I needed to get a Notarized for this. She flat out told me no. Please review the call. I said are you sure? Me working in an XXXX office it just didn't seem correct so I asked her several times after this. She said no the power of attorney form does not need to be notarized. I told her okay I am putting in the mail. She stated she would note the account. Know XX/XX/XXXX I go online to pay my bill and its XXXX I got no call from navy federal- no email- no voicemail- no communication what so ever. I only log in to my account to pay my cc or my loan. I look up at the messages and they sent me a message after it was already raised from XXXX to XXXX when there employee instructed me the wrong information. I called them cause all of a sudden know they have sent me a text message at the time of a 2 day past account. Communication of a 2 day past account. I called the lady advised it was not notarized etc. Now this is not fair I have done my part my contract stated XXXX she advised she will send the form back out- so that it can be re-done. I need someone to pull the call when I called in and inquired about this- how is this my fault when I specifically asked this exact issue. I've had no problems with this credit union-I would love for it to continue this way.. Please fix this. | ||||||
| 11/11/2020 | Yes |
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| I got quoted at 5 % interest by a representative at NFCU for my car loan for a new car. I stressed to them that Im new to this and have no idea how the process goes and asked that nothing will change over the course of me buying the car they reassured me. ( I also work out the numbers in front of the rep for the payments and she sits there and doesnt tell me about how the interest is ROLLING interest. Had no idea what that was until after I called to complain about my insanely high interest rate. ) So I go and but the car, the dealership continued to finalize the deal with my bank ( Navy Federal Credit XXXX ) and Im not sure if it was the dealership or NFCU, but someone withheld information. I get home with the car and about a week and a half later I see a notification in my bank app saying Im sitting on 12 % interest. I called and asked why they said the car isnt new Yet I wasnt told what qualifies a car as new, I ask to have the number brought down to a reasonable percentage and they decline. I tell them Im looking for a house and this is making it hard for me to even consider them for that loan then all of a sudden they can do something about the loan. Theyll give me a better rate. At that point I knew something was up. They were running my pockets to bring their company back on its feet after covid hit by giving me false hope. I confirmed it when I went and ran the loan calculator with my cars vin number on their website. It came up to 6 %. The car already started depreciating and I knew Ive already been down a couple thousands on top of closing fees and insurances i bought for the car. it would have been a huge waste of money if I just brought it back. I need help. Its just crazy how my credit score of XXXX points shy of XXXX landed me in a 12 % interest pool. | ||||||
| 02/16/2023 | Yes |
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| I went to the drive through atm at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX between XXXX and put cash into the ATM i didnt count exact how much i put in, it was around {$900.00} the atm jammed then spit cash back out and said it couldn't take it. I took all of the cash that it spit back out. And then it said it kept the rest of my money because I did not take it within the timeframe and to contact my financial institution. ( I assume it was jammed as no more money came out ) I couldn't it and I only got around {$400.00} back so the rest of my cash was in the atm. I contacted XXXX XXXX they said to file a claim with navy Fed regarding this and I was issued a credit for $ XXXX navy Fed while they said they would look into the claim and said they would get the exact amount that was deposited as I wasn't sure of the exact amount that I put in the ATM or the exact amount that was not given back to me. Which is why I was expecting for Navy Federal to reach out to XXXX XXXX to find out the exact amount and get that ATM transaction because I did not receive a receipt. 2 days ago navy Fed revered the credit and said I benefited from the transaction .... they didn't reach out to XXXX XXXX to see the atm transaction that happened or even to get the exact amount that was put into the machine which I knoww is available. I reached back out to navy Fed 2 days ago and they got back to me today XX/XX/16 saying the same thing the claim is considered " resolved '' which it isnt as they never got the exact amount and I'm missing my money.. I need this money I'm a single mom and how can an atm just take my money and the bank doesn't even take the time to help their customers im not trying to scam anyone. I was recorded I'm sure at the ATM when I was there. Please help me | ||||||
| 06/08/2021 | Yes |
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| On XX/XX/2021 the State of New Jersey had a pending transaction to go into my account Navy Federal checking account to deposit Back funds owed to me. Currently, I am in a COVID19, Financial hardship, which is documented, and facing losing my home. Navy Federal Credit Union deducted the Majority of funds in the amount of {$4400.00} out of my account Without notifying me of any amounts owed for the debt, the charge account was also disputed, and I did not agree to their terms on my account. My checking account was not opened simultaneously with a credit card, and I did not consent to Navy Federal to remove Unemployment Funds from my account during a National Pandemic. On XX/XX/2021, Ive made at least four attempts to speak with a supervisor regarding this matter and was informed by multiple representatives no supervisor was available, but one would call back but call back but I was not provided with a date or time. The representatives also refused to provide their identity in which I repeatedly to know the first and last names of whom I was speaking with so I could document for my records. requested them and was spoken to very rudely without an attempt to find a resolution to the circumstances. The representative, XXXX did not want to hear what I needed to say nor would he provide his last name. Navy Federal Credit Union is Not operating with Fair Practices within the Government guidelines for individuals effected with a hardship due to the Pandemic. I also explained why I needed for the transaction to be reversed, the representative would not allow any other options for the account to be resolved. Navy Federal Practices are Deceptive, and I do not have a clear record of what was owed nor do I have access to the account to review any transaction histories or statements. | ||||||
| 07/13/2023 | Yes |
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| I sent a debt validation to navy federal regarding the accounting on my auto loans XX/XX/XXXX. I asked them to provide : 1. The actual accounting of the loans. 2. A signed invoice ( NOT A STATEMENT ) 3. A Copy of the Contract Binding both parties. I'm aware that the four essential conditions to a lawful binding contract are : 1. Full disclosure ( I was never told that I was creating the debt with my wet ink signature ). 2. Equal Consideration ( you must bring something of value to the table ). 3. Lawful Terms and Conditions. 4. The Wet Ink Signature of BOTH PARTIES ( Corporations can't sign because they have no RIGHT or Mind to contract since they are soul-less legal fictions and furthermore no third party can sign a contract on their behalf. I sent this XX/XX/XXXX. If no response within those 14 days I asked them to discharge my debt. On XX/XX/XXXX they still never sent me the information and I asked them to discharge my debts again. So on XX/XX/XXXX I sent them an affidavit of default by notary. But they still never discharged the debt. Navy Federal has failed to show me the accounting of the loans to show me that they put up anything of equal consideration which is violating a lawful binding contract. I was never told based on the disclosures that I was creating the money with my wet ink signature. First National Bank of Montgomery v. Daly better known as the Credit River Decision references my argument. In this case the bank had not lent XXXX any actual money but simply created a credit on its book, and therefore since nothing of value had been advanced by the bank, it was not entitled to the property that had been given as security for the loan. This is exactly what's happening with my auto loans. Navy Federal fails to give me the information I've asked for. | ||||||
| 03/22/2022 | Yes |
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| This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 2. I also want to know who is the original creditor? 3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to. | ||||||
| 03/30/2018 | Yes |
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Web | Servicemember |
| On or around XX/XX/2017 I attempted to make a payment on my credit card with Navy Federal credit union. I recently switched banks from Navy federal to XXXX XXXX in mid XX/XX/XXXX. When attempting to make a payment i was only aware of one XXXX XXXX account linked to my Navy federal account, which was the account I used to make a payment on my Navy federal credit card. The problem is, is that Navy federal attempted to make that payment with a closed account that was linked to my Navy federal account from nine years ago. I was never Notified via Email which is what XXXX XXXX the business operations specialist is claiming their form of communication had been done through, however after speaking with a representative at the branch they stated my email notification was turned off and was not able to send an email. I also never received notification through my online banking which is another form of communication aside from email. It was not until mid XX/XX/XXXX that I got notification and that was not from Navy Federal that was from XXXX XXXX showing that I had a late payment after my credit score dropped 65 points due to them reporting a late payment. I have tried to make this right and get down to the bottom of this misunderstanding with Navy Federal but they are not willing to fix this. I was told they were sending me a letter explaining why they could not fix this and still after 12 business days have yet to receive any form of communication regarding this matter with Navy Federal other then their initial response stating they sent an email notification when this first took place.This is my second complaint I have filed with CFPB regarding this matter. Navy Federal has taken no responsibility and refuses to make this right. Complaint Number from First complaint XXXX | ||||||
| 06/01/2022 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union is my primary bank and I have had a previous primary and investment mortgage with this financial institution therefore I wanted to continue doing business. I submitted an application in XX/XX/XXXX to refinance my current conventional mortgage into a Veteran Administration mortgage. I received a letter denying the refinance XX/XX/XXXX because Navy Federal Credit Union noted that I did not meet Veteran Administrations guideline for 6 months consecutive payment since I had made a year advance payment on my current mortgage after receiving proceeds from a previous home sale. On XX/XX/XXXX, Navy Federal Credit Union mortgage processor, XXXX XXXX, asked me to contact my current mortgage company and request an account activity statement which would reflect how the payments were distributed monthly. I provided the account activity statement to her via email the same day. I then contacted Veterans Administration home loan department and the underwriter I spoke with stated that the " 6 consecutive payments '' requirement is onlyapplicable if it is a VA to VA loan. In my case, my current loan is conventional and I am refinancing into a VA loan. The underwriter provided VA circular # XXXX on page 4 which I also provided to XXXX XXXX via email. She then tells me that their institution also has to consider Government National Mortgage Association ( GNMA ), Page 7, subsection ( d ) ( i ) and ( d ) ( ii ). Which basically is the same consideration for 6 consecutive payments. The account activity statement satisfies how the payments were consecutively allocated towards the mortgage on a monthly basis which meets the guidelines for Veterans Administration and Government National Mortgage Association therefore I am requesting an objective third party review. | ||||||
| 09/26/2020 | Yes |
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Web | Servicemember |
| I reported to Navy Federal Credit Union on XX/XX/2020 that there had been money transferred out of my account without my knowledge. I informed them of all the information i had, including the person who did the transfers, how she was able to hack into my account, as well as where a large portion of the money was that the company could have frozen at the time till they investigated my claim. From information i gathered on my own because the financial institution would not give me any information, they allowed a large cashiers check to be cashed that was a portion of my money that had been stolen and did not freeze the other persons account until 5 days after my complaint was given. I was told that it could take ten days to complete the investigation and i would be notified after that time of what would happen. The 10th day was yesterday XX/XX/2020. I checked my account today and there was no message for me and there was also no money put back into my account. I called the bank today, XX/XX/2020, and spoke with 2 individuals within the securities department at the bank whom handle the issues and they told me that the investigation had not been completed yet and they could not tell me anything else other then that they would message a supervisor who would contact me within 24 hours. Federal Regulation E states that a financial institution has 10 business days to complete an investigation as long as they are informed in a timely manner, which they were. It also states that if they are unable to complete it within that timeframe that they can extend it to 45 days given they provide a provisional credit in the full amount errored on the account. Non of these things are being done leaving me and my children penniless. please do something to get them moving on this. thanks | ||||||
| 03/20/2022 | Yes |
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Web | Servicemember |
| A revolving credit account was opened with Navy Federal Credit Union on XX/XX/2007, in the amount of {$500.00} utilizing me as a co-signer. However, I never gave any XXXX permission to use me as a co-signer nor did I have any knowledge of this. I recently found out about this ( XX/XX/2007 ) when I applied for a home loan and was denied because this account was in collections but i never knew about this account. So here are the major issues : -The fraudulent account was started on XX/XX/2007 - At the time I didn't have a bank account with any financial institution at the time. I was XXXX XXXX XXXX, getting ready to join the Navy ( XX/XX/2007 ) and I was planning on getting a bank account with Navy Federal then. - I did not get a bank account with Navy Federal Credit Union until XX/XX/2007 - Once discovered I did file a police report with XXXX, XXXX in XXXX ( incident report # XXXX ) - I was also informed by a Navy Federal representative that in order for a loan, revolving credit, or credit card application with a co-signer to be approved, the co-signer also has to have a Navy Federal bank account. Which I did not have, I didn't have a bank account at all. After talking to a customer service representative at navy Federal I was given a copy of the fraudulent revolving credit application and on it displayed the individual 's name that applied for the revolving line of credit and my forge signature and nothing else. Their was no date of birth, social security number, or any other financial institution information. So, I don't even understand how this was approved in the first place. I have been back and forth with Navy Federal about this issue now for several weeks and they don't seem to care or have a sense of urgency in the matter. Please Help Me With This Issue. | ||||||
| 04/21/2017 | Yes |
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Web | Servicemember |
| On XXXX XXXX , 2017, I ca lled Navy Federal Credit Union about my federal income tax refund being deposited in the wrong account. They told me that since it was the wrong account, the funds would be rejected and sent back. I called back on XXXX XXXX and XXXX and they said the same thing and would not further assist me. After a week of checking for the funds and not seeing them, I called Navy Federal Credit Union on XXXX XXXX , 2017. T hey told me that I had to call the IRS or XXXX XXXX XXXX XXXX to get my money. I called both and they told me Navy Federal Credit Union has to release the funds back to them and then they will be able to send me a paper check. I have been back and forward with Navy Federal Credit Union and XXXX XXXX XXXX XXXX to get our funds. Finally, on XXXX XXXX , XXXX , Navy Federal Credit Union was willing to tell me that I had to get XXXX & XXXX XXXX to send them an Indemnity letter to release the funds. On XXXX XXXX XXXX XXXX XXXX XXXX sent the letter at XXXX and at XXXX and it was denied, because the full amount was not available. I called Navy Federal Credit Union back on XXXX XXXX and XXXX to see what I can do to get the funds released. They said they need XXXX XXXX XXXX XXXX to send another letter when the full amount is available to be withdrawn. XXXX & XXXX XXXX is refusing to send another letter stating the same amount for The Federal Refund, which was denied. Now I do not know what to do, because Navy Federal Credit Union has proof that the money belongs to XXXX and XXXX XXXX . I also have our state refund being deposited to the same account i n 5 to 7 busi ness days, which will pose the same issue. Any assistance in this matter will be appreciated. | ||||||
| 10/07/2022 | Yes |
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Web | Older American, Servicemember |
| I was paid with a check by a roommate that Im renting a room to in my apartment. The check bounced and they decided to close my account which is fine I dont care because I didnt do anything wrong and they received the funds back from the bounced check. I changed my account information with SSI so no more checks will go into that account. My SSI went into that account XX/XX/XXXX and XX/XX/XXXX. They are holding my money and that is all the income I have coming in so I have been unable to eat pay billing without borrowing money from other people. I have sent several email like they asked with my id my major credit card the three signature and a code word. This has been going on since XXXX before my XXXX check went in there. Every time they have another excuse for me not to get my money. I have to wait on hold for hours before I can even speak with someone. Usually banks close the account and mail your money to the address on file but they wont do it even after Ive did everything they asked. First they say the picture not coming in then they say everything has to be in pdf then they say everything need to be on one page and I need to say Im trying to lift restrictions. They are giving me the run around and its not branch here that I can go into. Im starting to feel like Im being racially profiled and racially discriminated against because they know want me to send a picture holding my id by my face. The ways they said the money would be sent I would have to go in person with my id to cash the check or get the XXXX XXXX so they shouldnt be taking me through all this. Then they said they cant verify my voice that they speak with XXXX XXXX which is me. How am I suppose to sound to them. I really need some help because Im getting behind on everything dealing with them. | ||||||
| 12/15/2022 | Yes |
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| In the middle of the investigation by the consumer protection bureau referencing this number XXXX simultaneously at Navy Federal credit Union For accounts that have been paid as agreed disappeared from the report I might investigation prove that they disappear from the system at XXXX XXXX , I brought XXXX XXXX attention . To the missing accounts. To my surprise they where no answer. Of so I should then a picture of what the reported to the bureaus In the past 22 accounts minus chicken in savings Now they are only reporting 18. So I called before the XX/XX/2022 and the total accounts was 18. When I called on the XXXX/XXXX/2022 it was 19 accounts. So its obvious That someone is trying to fix the situation by putting the accounts back. But if XXXX XXXX has been hacked. They need to say that. And get better cyber security. Now in between XXXX XXXX And XXXX XXXX XXXX XXXX sent two false derogatory remarks on my couldnt report. ( I have zero negative accounts in the federal ) when I say all my accounts are +100 % of my accounts are positive. I called XXXX XXXX to ask XXXX XXXX to ask about the negative remarks they sent to the credit bureaus. This is the second Falls information you have reported against me in less than 30 days. The say to ask XXXX. So now I know all of my bank information is compromised from within the bank And they are not willing to do an investigation inside of their back office. So I know theyve done this to other people before Can CFPB love look into this 1 information and accounts missing at the time of a CFPB investigation. 2 how is it possible for Fake derogatory remarks to be sent to the bureaus and the consumer not to have a right to ask what are the remarks from the source. I sent the proof of the remarks to XXXX XXXX in an attachment. | ||||||
| 11/28/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022 ; I was admitted into the hospital for a major XXXX XXXX. My wife was recovering from an XXXX on her XXXX XXXX that took place six weeks earlier. Our joint checking account and debit card with Navy Federal Credit Union was compromised as well as my personal checking account and debit card. Our joint account was hit for over {$1200.00} and my personal checking account was hit for {$380.00}. After recouperating a few weeks, I went through our accounts and noticed a significant amount of money missing. I filed a fraud dispute for both accounts and we were temporarily credited for the losses. We found out that our caregiver who is our nephew used our cards without permission. In XX/XX/2022, the temporary credits were reversed and our accounts debited for the missing money and the reasoning by Navy Federal Fraud was that the cards were present when used. I reiterated my and my wife 's conditions and stated that I was in the hospital when charges were made by my card. Navy Federal Fraud refused to budge and then suspended my debit card privileges for one year despite being a crime victim of debit card fraud. In XX/XX/2022 ; I requested a full review and then never heard back from Navy Federal. On XX/XX/2022 ; I became aware that the accounts under dispute charged off and {$30.00} was taken from my savings account to pay a disputed debt. It appears Navy Federal Credit Union fraud department failed to do a proper investigation and then penalized me by suspending my debit cards for calling them out for not doing a proper investigation. Additionally, if I was responsible for the charges, I would understand the suspension of my debit cards but as a victim of debit card fraud I don't understand why they suspended my debit cards other than for retaliation. | ||||||
| 09/21/2021 | Yes |
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Web | Servicemember |
| XX/XX/XXXX I sent XXXX dollars for property purchase from Navy federal to the XXXX bank under my name. XX/XX/XXXX I received a call from XXXX XXXX that they cant not accept the fund since it is over XXXX dollars due the restrictions and advised me that Navy Federal should have known this. XX/XX/XXXX I have let Navy Federal know that it was rejected due to the policy and I asked when the fund will come back. XX/XX/XXXX Still dont see the fund back and I talked to the international wire transfer department and the assistant said that my branch should have been aware that over XXXX dollars is not allowed for wire transfer to XXXX and they have to send the fund back including the comissiom XX/XX/XXXX The fund is still located at XXXX ( second back that Navy Federal used to do wire transfer ) and it still has not came back. XX/XX/XXXX I called the Navy Federal wire transfer and I was told that the fund might not come back if it was fraud. Then I was told that they sent the recall message to wellsfargo. It was not a fraud. It was the account under my name. Sending A bank to B. The maximum amount I could send was XXXX dollars and the Navy Federal branched in XXXX XXXX did not know and did not look up the regulations. At this point, they could not provide me the timeline and could not locate the funds. In addition, one assistant even told me there is a possibility I would not get the fund back. It is making me feel miserable. I sent the fund to purchase my first home here in XXXX and they even told me that the money I sent properly to my account would not come back to me. This process seems fraud and unfair to me and it occured due to lack of attention from Navy Federal. If I do not see the fund back for longer period of time, Ill open the lawsuit case. | ||||||
| 09/29/2017 | Yes |
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Web | Servicemember |
| I stopped using my credit card since XXXX 2017 and paid off all the balance due. I have tried not to use it because of the interest charges was too much for me, even though i have checking and savings account with the company and always check the account online with my phone, what is strange is anytime i open the account i only sees the checking and savings only without seeing the credit card account. Last month in XXXX i was checking my checking account and i saw there was a transfer of XXXX from my checking account to credit card account immediately i call the bank but they asking for some codeword that i couldn't remember so they couldn't resolve the issue they required i should go to their branch to reset the codeword, the branch was far from where i leave about XXXX mile from me so i couldn't go and decide to found time to go later. About XXXX weeks ago I went online again on desktop computer to print out my statement to support my social security document they ask me to bring, when i get in the account i realized there is amount due of XXXX for credit card so i was what i don't even use this credit card anymore for the pass XXXX month how come do i own them so i click on it and notice there are some transactions that i have no idea about i kept scrolling down and noticed somebody been using credit card for the pass XXXX month from XXXX 2017. So i called the bank and they said i should go online and freeze the account which i did . The next day i drove abut XXXX miles to one of their branch and reported the case and they closed all of my account and opened a new one for me. But ask me to go for police report since the fraudulent been using my navy checking account to make payment for the credit card and even the transaction is more than XXXX days. | ||||||
| 06/02/2022 | Yes |
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Web | Servicemember |
| Navy Federal failed to notify me when at its sole discretion, decided to place an additional holds on the XXXX checks that I deposited into my business account. On XX/XX/XXXX I deposited via the mobile app into my business account XXXX checks in the amounts of {$5700.00}, {$6100.00}, and {$7300.00}. Navy Federal emailed me XXXX separate emails regarding the XXXX deposits on XXXX on XXXX that I would receive funds within 2 business days. When I called that Friday evening to see why I hadn't received the funds I was told an additional hold had been placed. Due to the weekend and the XXXX XXXX XXXX I was unable to get someone from the business department on the telephone to get an answer on why this had occurred. No one could answer me why I wasn't notified and the actual branch manager that I spoke with in person on XX/XX/XXXX wouldn't acknowledge that Navy Federal made a mistake in failing to notify me of the change .Navy Federal did not communicate to me of any changes via email or through my portal. As of today XX/XX/XXXX I still have not received an actual email from Navy Federal stating the change to a 5 day business hold and can only go by what the different customer service reps have informed me. I was told on XX/XX/XXXX that funds would be released on Friday XX/XX/XXXX. Navy federal hasn't followed its own policy.I have tried to resolve this with Navy Federal and they have basically ignored me. I understand Navy Federal, at its sole discretion, may place an additional hold on any item for a reasonable period until the settlement of the item is deemed to be complete. However the failed to notify me of the delay to my ability to withdraw funds and they failed to notify me on when funds will be available. I am supposed to receive electronic communications. | ||||||
| 04/25/2015 | Yes |
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Web | |
| About two years ago, I attempted to move from my small townhouse with my XXXX children. The mortgage lender asked how was my credit. Since I knew I had no negative information on my report so I replied great. My mortgage lender pulled a copy of my credit report. As we reviewed the reports I was in total shock. Navy Federal Credit Union LLC was reporting a completely false debt which was causing a denial of the loan. We 've been struggling for the past 3 years to improve life for our family and give our kids a stable home just to give it all. I knew the account was not mine so I wrote my first dispute to Navy Federal Credit Union 120 days ago stating that I may be an identity theft victim and as a result I wanted to see legal verification that this debt was approved or accepted by me. My first request was completely ignored so 90 days ago, I wrote another request and I even attempted to get a police report. Turns out you can not get a report if the incident occurred more than 12 months ago but I still tried. Then, approximately 45 days later I received a letter from them stating that they find the account to be accurate. How is this possible, they had not provided legal proof or proof of identity? I re-stated that the account was not mine and added in that this was my 3rd attempt and that they had still not provided proof per FCRA & FDCPA requirements in the event of identity theft they again stating that they were reporting accurate information and that they do not need to supply the requested information only that they have my name and address correct. How is this possible that someone can just say they have your name and address correct and you owe them a debt without no contract or legal proof whatsoever. How do they even know they have the right person??? | ||||||
| 11/16/2021 | Yes |
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Web | Servicemember |
| I was visiting a friend who was visiting from out of town and I got out my car walking to the hotel and 2/3 people walked up and punched me beat me and pulled a XXXX on me and demanded my purse which had my id in my purse with my address on it my cell phone with the passcode number on it and PIN numbers to debit card and was told if I didnt give them my PIN numbers they would kill me right now and go to my house and kill my family I have children at home so I did what they asked because who want to lose they life over miscellaneous meaningless stuff and they ran off somewhere. After they left I got up and immediately drove home to my family and then went to the hospital. I was told to file another report because they couldnt find my original report when i called for another copy of the report because i misplaced the first report as well! I contacted Navy Federal on XX/XX/2021 and they denied my claim the XX/XX/2021, following day, claiming they saw no error on their end when it takes more than 4 hours to complete a claim. They denied me a provisional credit because they denied it. I sent over my police report now no one can give me any information everyone is rude and that was my savings because I escaped an abusing relationship in XXXX XXXX Mo so I came to XXXX XXXX Nv to get away from him and now I got mugged and now Im without money to take care of my children of XXXX which one is XXXX my lights is currently shut off due to none payment because the money that was stolen was for bills rent and to take care of my children I reopened a secondary review and they wont provide me with a provisional credit now because they denied the first fraud claim Im in a financial bind and cant provide for my children and have an eviction notice because I cant pay rent. | ||||||
| 05/11/2021 | Yes |
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Web | Servicemember |
| On XX/XX/2021 there was an unauthorized {$1000.00} withdrawal made from my Navy Federal Checking account and transferred to an unknown account with XXXX. The credit union said that someone accessed my account using username/password and the funds were transferred to an external account. To setup transfers to external accounts the credit union required that I verify small deposits before I could transfer money out of the account. The only external account I have with the credit union is with XXXX XXXX and I had alerts set up whenever there is a transfer greater than {$100.00}, none of the alerts worked. I don't have but 2 devices that are authorized in my account and I checked both for malware and viruses with software suggested by the credit union and both came back clean. They promised me that my funds would be available pending an investigation, I was never contacted by the credit union and when I called back all they said was that the claim was denied and I would be getting a letter. I had reported this unauthorized withdrawal while it was still pending and the credit union failed to stop such funds from going out. I had no other devices that were authorized to login to my account, I reported the problem the same day it occurred, my accounts were closed and new ones were opened with the remaining funds. This was my mortgage payment that was stolen from me and I feel cheated. The credit union failed to keep their systems secured and now I've become a victim of their lapse in security. I have no access to the statement or any proof to where the money was transferred. When the old accounts were closed every evidence I could use was deleted. Almost as if to delete any proof and to deny me access to documentation about who or where my money was transferred. | ||||||
| 05/12/2021 | Yes |
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Web | |
| I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! . The following personal information is incorrect Account Number : Name : XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 12. Validate Account NAVY FCU Account Number : XXXX Please investigate and delete from my credit report. 13. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 14. Validate Account XXXX XXXX Account XXXX : XXXX Please ensure that all information is accurate | ||||||
| 11/17/2016 | Yes |
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Web | Servicemember |
| Hi, my big problem comes from being under Navy Federal Credit Union when I was XXXX the XXXX as a XXXX. I only XXXX 2 years but was XXXX. Before I was XXXX under XXXX circumstances, I took out a XXXX Loan from Navy Federal cause I had some things I wanted to get started on New computers/ Travel Expenses/Car since family Lived in XXXX while I was stationed in XXXX . The main stipulation to the contract that I signed was that I paid extra for a coverage that my Loan would be covered IN FULL. If I were to ever be XXXX from the XXXX of my own will and not XXXX. After Wards I had my account frozen since I was low on funds and trying to find a living situation when I got out. I was constantly being reminded by Navy federal for my payment which I was never late on until I was XXXX. I mentioned to them that my contract states that it would be covered if I get XXXX through means above me. They constantly ignored me asked for me to pay my bills ect. until I went to a Navy Federal Branch in XXXX that I was told the exact thing that I could have my debt handled if I contacted their insurance provider. So I did just that, Sat through hour long phone calls though operators/ Automated voices, I finally get in contact to a insurance provider. They have me Fax them the contract including my XXXX which is military XXXX papers, I danced with them for Weeks close to a month. I kept getting retorts that my Fax did n't go through or I had to deal with another Operator which was n't the same dealing with the case at the time. So I threw my hands up and gave up thinking I got swindled and lied to into a massive loan that I could have paid for if I stayed in the service. The Reason Im also filing a complaint is cause I saw that Navy Federal is under fire for Debt Collecting. | ||||||
| 08/07/2023 | Yes |
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Web | Older American |
| I was scammed by a XXXX buyer on XX/XX/2023 wanting to purchase a hand bag from me the Seller. I emailed XXXX at XXXX to get instruction on how to assist the buyer to purchase the hand bag because XXXX ( buyer ) payment was not going through. A XXXX Customer Care Team Person sent me her picture ID and text men the info I needed. I was told I needed to have {$200.00} in my XXXX account for the transaction to go through. I sent the {$200.00} from my Navy Federal account through XXXX ( all information will be sent in attachment ). The hand bag is a XXXX listed at {$750.00}. I received another email from the XXXX XXXX Customer Care Team ( she sent picture ID. Attached ) that I need to put another {$250.00} in my Poshmark account and I did via XXXX with a note on both transactions that the money was for XXXX XXXX Member ( to make sure it go to my account. I reach out to Navy Federal yesterday XX/XX/XXXX and XX/XX/XXXX that I was scammed after I didn't hear from XXXX after I sent the money twice I figured it was a scammed. I emailed XXXX XXXX several times and no responds. I spoke to a Navy Federal reprehensive again today around XXXX and explain to her what happen. She read the policies for scam refunds and she said my scam situation should qualify for a refund. Also, Navy FederalXXXX didn't give me the option to hold the second payment of {$250.00} until the next day. I also I talk with a supervisor regarding what the 1st Navy Federal Rep that I fall under XXXX guidelines to receive my money back because I though I was dealing with company employees. The supervisor said she gave me the wrong information. I used correct emails, etc. I am real sure that XXXX have employee workers and I know for a fact a buyer scammers that work direct in their company. | ||||||
| 03/14/2021 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union unethically placed a total of 6 accounts into credits only status due to a garnishment on behalf of XXXX, XXXX, XXXX XXXX XXXX, XXXX But I have not been to court for the garnishment because its not until XXXX of 2021. NFCU not only did they illegally place my accounts into credits only status but 2 of the accounts receives protected funds and I am unable to do any transactions through my debit card because NFCU turned off my debit card without my knowledge. Not only do I have bills connected to this card but I have kids to feed. They turned the card back on for 2 minutes after it was turned completely off for me to pay for a meal for myself and my kids but afterwards turned it back off over the weekend. This has been a major inconvenience for myself and my family. They've refuse to take at least 2 of the accounts out of credits only status although the accounts are receiving protected funds. I have been a loyal member with NFCU for over 11 years and I recently just found out NFCU have been commingling my funds which is part of the reason my accounts are in credits only status. I would like for my accounts to be placed back in normal status and my debit card to be turned back on. The bank states that there has been numerous fraudulent activity as well as too many lost cards on the account and does not align with their practices, but every fraudulent activity I encountered I properly reported to my bank institution and anyway they absolutely have no jurisdiction over how many fraudulent activities are processed on account because the money is insured by the federal government and Navy Federal do not get to determine if I " deserve '' a debit card or not. This was extreme and unethical on behalf of Navy Federal Credit Union. | ||||||
| 04/15/2022 | Yes |
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Web | Servicemember |
| Between XX/XX/XXXX to XX/XX/XXXX, I recieved a total of ( XXXX ) payments into my Navy Federal Savings account for {$190.00} each. I immediately called Navy Federal and asked why the money was being put into my account. The lady on the phone assured me that everything was right, there were no notes on my account and there had been a discrepancy discovered during my ATM withdraws and this was a correction for the error. The lady told me I would be recieiving a letter in the mail explaining in more detail and not to worry about it. She also told me to call XXXX XXXX XXXX if I needed more information. I then got off the phone and called XXXX XXXX XXXX. I was again told that there were no notes on my account and everything is fine. I actually called XXXX XXXX XXXX twice between XX/XX/XXXX and XXXX. I did receive the letters in the mail from Navy Federal explaining that there had been a issue with my ATM withdraws and that the money was placed into my account for the error. I did not know what instance this was talking about but I went along with it because I had done my part by reporting the error to Navy Federal and XXXX XXXX XXXX. As of yesterday XX/XX/XXXX. I checked my bank account and my checking account was - {$980.00} and my savings account was - {$930.00}. I immediately called Navy Federal and they stated they didnt know what was going on. They also stated that a provisional credit was given to my account but couldnt explain why. They stated I had disputed ATM withdraws but when they looked at my account there were no disputes on record. ( I had never disputed any ATM withdraw. ) Navy Federal evened out my checking account to a {$0.00} balance but they are saying I still owe - {$930.00} in my savings and I still have no idea why? Please help. | ||||||
| 03/31/2018 | Yes |
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Web | Servicemember |
| I recently sold my old, wheelchair accessible van online. I received payment by a buyer along with the shipping fee for a total of {$65000.00}. I was instructed to wire to the shipping company. The check was sent to me in the mail for {$65000.00}. Navy federal credit union said it would take 48 hours for the check to clear, after which the funds would be available to me. After the 48 hour period Navy federal credit union cleared my check. I then used those funds to wire {$22000.00} to the shipping company to ship the vehicle as per the buyers request. I used the rest to pay off some debt and the vehicle loan for my new handicap accessible van. The very next day my account reflected a {$65000.00} deficit. I complained to Navy Federal via telephone. Apparently it was a scam. I was rudely dismissed by the phone representative and her supervisor and told that the 48 hour waiting period is really more like five days. I went into my local branch and talked to the manager who was more sympathetic ; but yet the manager still reiterated the fact that yes, indeed, I was told by the bank teller that processed the deposit of the check that the check would take 48 hours to clear before the funds would be available when in fact the period for a check to clear is more like five days. I told the manager that this wouldve been invaluable information at the time the funds were released to my account. I most certainly wouldve waited the additional 72 hours. And I left without a good answer as to why I was told I could access my funds after 48 hours, if in fact the waiting period is more like five days. Now Im stuck with the bill. Its hard to imagine Navy Fedrals motto is serving those who served. Not so much! Sincerely, XXXX. XXXX XXXX, XXXX, XXXX. XXXX Veteran | ||||||
| 03/20/2020 | Yes |
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Web | Servicemember |
| NFCU continues to redirect accounts that they deem to be " delinquent '' to a different page or access site which makes navigating to your normal account page more difficult. These accounts which are past due are not even 30 days late and includes an actual account meant for overdraft and for which they are being compensated for each time in overdraft fee 's. I will attch screen shots of the " normal '' page and the one with account restrictions. The settlement in XXXX was supposed to prevent them from doing this and in all the years I have been banking have never been subject to this humiliating and unnecessary tactic. Additionally, NFCU sends by certified mail, letters addressing a delinquency on your mortgage a week before it is even 30 days late. That notice threatens foreclosure and some options you may take advantage of. Being XXXX and low income does not mean not knowing when your mortgage is paid late but my mortgage is always paid before it is 30 days late and the amount of mail NFCU sends is wasteful and unnecessary. They have harassed me every single month unless it is paid on the XXXX and I am already suffering from XXXX XXXX without them making it worse. Additionally, a prior complaint about their reporting practices was successful in NFCU stating that the late payment would be deleted from the credit bureaus. I made the complaint in XXXX and as of today, XX/XX/XXXX several credit bureaus have received NOTHING from NFCU to that effect. They have failed to notify the bureaus of their promise to correct that and delete it. NFCU is causing me irreparable harm to my scores and has done so for a long time and now during this crisis I need to be able to access credit and unable to do so because of their reporting alate payment on me. | ||||||
| 09/21/2018 | Yes |
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Web | Servicemember |
| When I left the service I struggled finding employment. I found a job at the XXXX XXXX XXXX and started in XXXX. During the duration of the time I was unemployed I fell behind on two payments of my mortgage along with other bills. I called Navy Federal and asked if I could move my two missed payments to the end of my mortgage and they said no. I told them I had just started working and I was struggling to keep up. They said that I have X amount of money coming in so I shouldn't be struggling. I went to pull the dates and amounts of everything but Navy Federal Restricted my access to that information. In XXXX I submitted a payment around the XXXX. On the XX/XX/XXXX they took another payment. I called and told them I am expecting money from my work do to OJT that the VA will pay me. So once I get that I will get caught up and could they please give me my money that they took back. They said in order for me to get the money back I have to give them a date I will pay by or they won't give me my money back. I said the end of XXXX and they said thats too late. So I said the XXXX. The girl also told me that they will not reserve any future payments that they take. Fast forward to today. Navy federal took XXXX out of my account leaving me with exactly {$27.00}. I called and asked them to refund the money and that I had submitted a hardship package prior to this. They said that the hardship package is just an application and doesn't mean anything, They also said they are no reversing the money. I then asked for a loan to get me through the two weeks and they denied that. How can a bank leave a family of XXXX with XXXX dollars for two weeks? Especially because I have been trying to work with them. They are making getting back on my feet a nightmare. | ||||||
| 10/24/2023 | Yes |
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Web | Older American, Servicemember |
| I rented a car from next car in XXXX it was to be a four day rental it happened on XX/XX/XXXX and on XX/XX/XXXX I had a blowout on the tire I tried to contact the rental car company and could not reach anyone I left a message at the office that I rented the car from and I also left a message at the XXXX number I could not continue to drive the vehicle because the spare had a limit of 35 miles per hour and I was on a highway that had a 70 mph speed limit finally on Monday someone called me back I gave them the location of the car they came and got the keys and I'm not sure when they pick the car up the whole rental would have been XXXX which they pre-approved on my Visa debit card on the return of the vehicle I would have gotten my {$300.00} deposit back the next thing I know they billed my debit card another {$490.00} for a total of {$1000.00} for a less than 24-hour car rental I have tried to speak to them in regard to this which they refuse they then turned around and filed a claim with my insurance XXXX has denied their claim because they refuse to provide details or an inspection of the vehicle to them I believe this whole thing was a big scam I had to go through two previous cars with them before I can get one car that was safe to drive I disputed these charges with my Navy Federal credit Union account and they said the decision was ultimately up to XXXX and because the next car rental company provided a rental contract with my signature on it they allowed the debits however the document they submitted for the {$1000.00} was not a document I signed I signed a document for {$590.00} they altered the original document and added charges to it and that is what they presented to Navy Federal credit Union and Navy Federal presented to XXXX | ||||||
| 09/17/2021 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/XXXX, I contacted the IRS via telephone regarding nonreceipt of my first stimulus payment. I was advised by the IRS they would have to do a tracer on the funds and would notify me. On XX/XX/XXXX, I received a letter from the IRS stating on XX/XX/XXXX an Economic Impact Payment ( EIP ) totaling {$1200.00} was deposited into an account XXXX at Navy Federal Credit Union ( NFCU ). Additionally, on XX/XX/XXXX a second EIP totaling {$600.00} was deposited into the same account. I was advised by IRS to contact NFCU referring to the above referenced account number. I made several telephone inquiries to resolve this matter with NFCU to no avail. On XX/XX/XXXX, I visited NFCU branch office in XXXX, Illinois and spoke with XXXX XXXX, Assistant Manager. XXXX XXXX verified the account number provided by the IRS belonged to another NFCU member and the EIP funds for the dates above were also verified as being deposited into this member 's account. Furthermore, XXXX XXXX stated this member 's account has been frozen however, in order to receive my EIP funds NFCU needed a " Letter of Indemnity '' from the IRS. I contacted IRS via telephone and in person on XX/XX/XXXX and both representatives have " no '' knowledge of a " Letter of Indemnity. '' I returned ( XX/XX/XXXX ) to the NFCU branch office and attempted to speak with XXXX XXXX. Since he was busy with an audit, he advised the lobby representative who waited on me to type a letter to me stating NFCU findings and in order to resolve this issue a " Letter of Indemnity '' is needed from the IRS. I have documentation from the IRS supporting my initial inquiry and the letter from NFCU acknowledging they " did not '' verify the ACH EIP payments prior to depositing them into the wrong member account. | ||||||
| 07/27/2023 | Yes |
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Web | |
| I have made attempts to correct my credit and have been having extreme difficulties each and every time. I have currently been working with the credit agencies to have all accounts and information rectified. Currently after requesting that an investigation be done on all my accounts with each agency I am still finding discrepancies that are holding me back and have been verified. In Particular Navy Federal is using the XXXX platform to provide and gather credit updates and I have recently discovered that they are still reporting items and debt incorrectly. According to Navy Federal I have closed accounts that thy are still trying to collect on and have recorded me at XXXX XXXX in debt with auto loans. I do not own any vehicles. The accounts are listed as closed, but Navy Federal is reporting that this debt still exist even when the account itself has been closed or removed. This needs to be fixed as it is decreasing my overall credit score. Furthermore, I have disputed these debts with XXXX. I have made every attempt to fix this situation. I have spoken to several NFCU employees and have gotten nowhere. I have tried to work with the underwriting department and nothing. This has also stopped me from actually getting a loan for anything else. I cant eve qualify for a bank loan and i've been with my credit union for 12 years. the amount of damage is ongoing and difficult to quantify. XXXX has been less than helpful as they have verified me as a totally different person and even after updates still has all my basic information incorrect. I have made attempts o request my credit report, however because they have my basic identifying information incorrect, I have been unable to obtain copies because they can not identify me at all. Please help | ||||||
| 05/05/2020 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union ( NFCU ) website has published refinance rates that appear to welcome you ( teaser rate ) to apply for a mortgage loan. In the comments below they add another 3/4 % to the rates if your current mortgage is not with NFCU. I have been a member for many decades and it does not make sense that as a current member I have to pay more to use a credit union service. Spoke with customer service twice and basically my impression was that management made the decision to tack on this additional cost mid XX/XX/2020. I understand that NFCU is busy with providing services but as a current member they want me to pay more than someone who is not a current member. This is information in quotes that NFCU has on its conventional mortgage website : " Rates displayed are the as low as rates for purchase loans and refinances of existing Navy Federal loans. Rates for refinance loans where the existing lender is not Navy Federal are subject to a 0.750 % higher rate. '' I don't believe this aligns with the fair lending act and feels a bit discriminatory. NFCU is excluding current members with mortgage loans elsewhere from enjoying/benefiting from the interest rate under a refinance. NFCU is excluding a large group of members from refinance since the added fee makes the cost higher. " Disparate Impact A lender 's policies, even when applied equally to all its credit applicants, may have a negative effect on certain applicants. For example, a lender may have a policy of not making single family home loans for less than {$60000.00}. This policy might exclude a high number of applicants who have lower income levels or lower home values than the rest of the applicant pool. That uneven effect of the policy is called disparate impact. '' | ||||||
| 02/23/2019 | Yes |
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Web | Servicemember |
| I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that NFCU absolves me of all charges on the account ending in XXXX recently changed to XXXX by NFCU. Also, request that you take all appropriate steps to remove information about this account from my credit files. XXXX and XXXX have removed this fraudulent account yet NFCU continues to report false account information to my XXXX file. Enclosed is a copy of my Identity Theft Report supporting my position, and you have a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also please reference FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and concluding actions. | ||||||
| 04/13/2023 | Yes |
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Web | |
| During mid XXXX in between XXXX XXXX me and my fiance were robbed at knife/gunpoint by several masked indivuduals they took our wallets, keys, and phones ( which were not password protected ). Following this incident me and my fiance filled a police report that same night ( case number : XXXX ). However, i did not know which cards i had on my persons so I was not sure until i saw the charges. On XX/XX/XXXX I opened my navy federal account and noticed there were several transactions on my account that totaled XXXX XXXX As soon as I noticed this I called navy federal and explained everything and filled a claim. On XX/XX/XXXX I received a letter from navy fed saying that the charges were authorized and that they would not be giving me my money back. Keep in mind I researched and found the merchants and physically went to every single one of them and none of them had seen my face or my partners face. One store was a XXXX store i spoke with the employees and they stated that a purchase someone made matched the last 4 digits of my card and they also attempted mobile purchases from my mobile device that they stole as well. I asked them what they bought and they told me it was against the law for them to tell me exactly what was bought but they did tell me it was a firearm. Keep in mind that XXXX bought in my state ( Virginia ) have to be registered to a social security number in order to complete the purchase. You can run my social security and my partners social security and there are NO REGISTERED XXXX in our names. Also, keep in mind me or my partner do not own guns we are heavily against weapons. That charge alone was around XXXX XXXX We do not have any XXXXs registered to our names this clearly shows that the purchase was not made by us | ||||||
| 11/10/2023 | Yes |
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Web | |
| This complaint arises from Navy Federal breach of contract, unjust enrichment, and violation of the Uniform Commercial Code ( U.C.C. ) in relation to a negotiable instrument, specifically a coupon note, which I issued but subsequently refused to honor. I entered into a financial agreement with [ NAVY FEDERAL CREDIT UNION ]. As part of this agreement, Navy federal issued to me a Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. XXXXXXXX XXXX XXXX XXXX XXXX defines : Coupon notes- Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note. Coupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by Thompson V. Perrine, 106 U.S. 589, 1 S.Ct. 564, 27 L.Ed. 298. Relying on this established interpretation and precedent, I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 3-301. If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. Navy Federal refusal to honor this note, despite my actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. It falls upon Navy Federal to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. By not acknowledging my rightful claim, I unjustly benefits from the security of the landed estate, which has been trustfully placed into the XXXX XXXX Living Trust. UCC-1 Filed by The Federal Reserve even says that all bills are prepaid | ||||||
| 08/14/2020 | Yes |
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Web | Servicemember |
| We are applying for our loan refinancing since XXXX in Navy Federal Credit Union. Until now we havent closed and we contacted our loan processor for the past few days on XX/XX/XXXX and XX/XX/XXXX through their customer service to provide us an update on where are we in the process. The last time we have heard from her was XX/XX/XXXX. We were informed that nothing is required from us and that it was ready to be submitted to the underwriter. She even said that we will hear from her in the following week meaning after XX/XX/XXXX. Despite of our resiliency, our attempt to get hold of the processor, we were never provided with an update. Prior to XX/XX/XXXX, there were series of emails that we sent to her to provide us an update but she never replied in our email. It was in XX/XX/XXXX that she spoke to us. Our loan refinancing has been more than 115 days and Navy Federal has been so slow in processing our loan application. I was told by the customer service representative that the loan processing could be take 120days. We felt that we are being overlooked despite of our proactive approach in providing what is needed to close. We are navigating in uncertainty and we desire to protect our family by being resilient but this bank has never understood the proactive approach in conducting business. The loan should not be sitting there left untouched. I also reached to customer service to let me talk to the supervisor but did not even receive a call or email to provide an explanation. I am writing this complaint so that due attention should be given not only to us but also to the customers out there who experienced the same treatment and let the management of the Bank draw a proper attention. You contact me to provide support and details. | ||||||
| 03/30/2023 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union closed my credit card account XXXX of 2022 and continuously misreported on my credit score. I Usually run my credit reports at the end of the year but this year ran it early XXXX so I wouldn't have found out they closed it. On my banking app it shows the card still there, shows the balance left and the credit limit but is not being translated to my credit score. When I pulled my report this year I looked at my account and it was marked as closed and not a single payment has been reported. The only reported item is the balance owed and not the credit limit. I did not close this account and this account has been in good standing the 7 years I've had the card. When I called NFCU they told me that their system chooses accounts that have little to no use on it and they close it. With the system doing this it no longer reports my accurate credit card limit but reports the balance of the credit card. This has had my credit usage on my credit report up and over 150 % for over a year! They told me that there is nothing they can do even though they are falsely reporting my credit. Since the call my credit has reported a XXXX pt drop and I feel as if the institution is falsely reporting more information. I've paid off over XXXX in debt in the last two years trying to rebuild credit and my credit score has trickled upwards. NFCU falsely reporting my credit limit has negatively affected my credit rebuild for over a year now and it's not right, it's not ethical. Why does their system get to pick and choose and XXXX over consumers. Once all of my debt is paid off through this institution I am no longer going to bank with them. When it comes to working with customer about the banks mistakes the take home last place. | ||||||
| 09/02/2016 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union has issued XXXX loans in my name to my spouse. I discovered these debts in XXXX XXXX. I am currently pending a divorce and have filed a criminal complaint against my spouse for forging loans and taking credit cards in my name ( total XXXX accounts at approx. {$160000.00} ) and filed a divorce in XXXX XXXX in Montana. Navy Federal 's loans issued in my name have helped to destroy my credit rating and I am in their collections department for a loan that I did not authorize to be taken out or take out. I have reported to Navy Federal Credit Union that the loans are fraudulent and forged as I never authorized them or signed them or gave signature authority to my spouse or anyone else to take them. I have provided affidavits to Navy Federal Credit Union telling them of the fraud they will do nothing and are coming after me in collections. I obtained the XXXX forged promissory notes from Navy Federal Credit Union in XX/XX/XXXX, XXXX XXXX and XXXX XXXX. I can not get any assistance from them and they claim that the loans are not fraudulent. My Criminal statue for Felony Forgery is still active from date of discovery and so is my civil statute. I am using my rights on both ... criminal vs. wife and civil against wife. I also will be filing civil suit vs. Navy Federal Credit Union for their part in my financial destruction. In Divorce actions I am required to maintain assets and payments until court decides the action ( economic restraining order ) so I started paying from my account on the vehicle loan in XXXX XXXX. Very easy to prove and Navy Federal will show that I have been paying XXXX per month since XXXX XXXX. Other than that I have never made payment on any of the loans as I did not know that they existed. | ||||||
| 04/03/2019 | Yes |
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| In XXXX at the age of XXXX I was allowed to get a credit card from Navy Federal. According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. Also, according to the Credit Card Accountability Responsibility and Disclosure Act of 2009 : ( 8 ) APPLICATIONS FROM UNDERAGE CONSUMERS. ( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of 21, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of 21 as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of 21 ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account. I was not 21 years of age when I was duped into having a credit card, I did not have any income, and my parents did not co-sign for me to have a credit card. I filed a dispute with Navy Federal but did not have the issue resolved. | ||||||
| 02/02/2021 | Yes |
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| I have a checking account with Navy Federal Credit Union. My account comes with a Debit card linked to my account. I have my card linked to my cashapp account. After which, i do not need my physical card to use cashapp. I was on the NFCU mobile app when i saw some cashapp charges that didn't look familiar. I immediately blocked my card and disputed the charges online. When i did that, there was a pending cashapp charge for {$2500.00} i was unable to add, and i had to call in to add to my claim ; which i did, and the Agent who spoke to me said the account will be monitored for 5 days. NFCU denied my claimed, saying there was no evidence of fraudulent activity. Meanwhile, my card was linked to 3 XXXX accounts and never flagged by my bank. No suspicious or warning alert when these charges were been debited from my account. I contacted the Merchant of the transactions, XXXXXXXX XXXX support claimed my card was linked to 3 different XXXX accounts. I only have one, and linked my card to my XXXX. Every XXXX account holders identity is verified, including mine ... so tracing how or who made the transfers shouldn't be hard. These charges happened even while i still had my card in my possession, and all the unauthorized transactions were all cashapp charges that do not require physical card once linked. The charges were supposed to have been flagged by my bank, said XXXX support. NFCU never sent me any alert or suspicious call ; you guys allowed the fraud to happen! I have written to NFCU to reinvestigate my claim. They never investigated it in the first place ; because if they did, they would have found that the names attached to the XXXX transactions are not mine. Every XXXX transaction has a name attached to it, and that's not me. | ||||||
| 03/15/2018 | Yes |
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Web | Servicemember |
| I am a XXXX veteran and my wife were in need of a home equity loan and applied with a credit union that represented military families. We later determined that the amount of payments at {$690.00} paid on time monthly, had Not reduced the balance of the loan down after approximately a year? It was discovered that our interest rate at the time of the loan was quite higher than expected. We contacted the lending institution, in attempt to negotiate the interest to a much lower rate and were unsuccessful. We continued paying on the loan more years. This became frustrating that we now were forced into a loan without a fair opportunity to get the interest payments lower to accommodate our finances, as my health was deteriorating more from service in the military and the interest rates were much lower at the current bank loans. I was forced to work with this health condition. It was approximately 4 yrs later that we finally were able to get another bank to refinance the loan to pay off the previous bank, at a very much lower & fair interest rate. However, the payoff was still near the balance of the loan amount borrowed when it was paid off? So basically we were in a loan borrowing {$50000.00} with finance charges of {$74000.00}, totaling after 15 years. A total payment amount of {$120000.00} with the interest rate at 14.750 %. This is totally not right? Especially to our military families and seems to me PREDATORY practices when they refused to allow a refinance at the much lower rate. Informing us that that type of loan was ineligible for refinancing. I am in hopes that I have filed my complaint with the correct office to look into this and look forward to hearing some soon. Thanking you in advance in your assistance with this matter. | ||||||
| 08/27/2015 | Yes |
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| ALWAY UNAUTHORIZED TRANSACTION AND BEING ALLOW TO WITHDRAW FROM MY ACCOUNT AND CREDIT BEING APPLY TO CLOSE AND FRAUD ACCOUNTS AND STATE THE NAVY FEDERAL CREDIT UNION POLICY AND PROCEDURE STATES THAT ALL CREDITS SHOULD BE APPLY BACK INTO THE FRAUD THAT CLOSE AND THE MAKE CHANGES TO MY ACCOUNT WITHOUT NOTIFICATION AND MY ACCOUNT IS OVERDRAWN LEAVING RESPONSIBLE TO NEGATIVE AMOUNT. PLEASE SEE BELOW THE ACCOUNT TRANSACTION AND INVESTIGATE THE ALL PRODUCTS AND SERVICESXXXX : XXXXLast signed on XXXX/XXXX/2015 My Settings Mobile Help CalculatorAccount SummaryTransferseDepositsBill PaySpendingAccount ServicesEveryDay Checking - XXXXPrintEDIT ACCOUNTSAvailable Balance $ XXXXCurrent Balance - $ XXXXLast Statement BalanceEnding XXXX/XXXX/2015 | Suppress Paper Statements - $ XXXXAdditional Account Information Scheduled TransactionsDate Description AmountThere are no transactions to display. Transaction History Download TransactionsAllSelect RangeDate Description Check # Type Amount BalancePending Transfer To Other Debit - {$120.00} $ XXXXPending Adjustment Credit {$530.00} $ XXXXXX/XX/2015 Adjustment - Cr Credit {$60.00} - $ XXXXXX/XX/2015 Adjustment - Cr Credit {$29.00} - $ XXXXXX/XX/2015 Insufficient Funds Debit - {$29.00} - $ XXXXXX/XX/2015 POS Adjustment - XXXX XXXX XXXX CT Credit {$19.00} - XXXX XXXXXX/XX/2015 Dividend Credit {$0.00} - $ XXXXXX/XX/2015 Overdraft Protection Fee Debit - {$60.00} - $ XXXXXX/XX/XXXX ACH Transaction - PUBLIC SERVICE XXXX ACH Debit - {$150.00} - $ XXXXXX/XX/2015 POS Debit - XXXX Check Card XXXX XXXX XXXX*NEW BALANCE XXXX XXXX XXXX - {$140.00} - $ XXXXXX/XX/2015 XXXX XXXX - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX - {$35.00} - $ XXXXXX/XX/2015 ACH Transaction - XXXX XXXX ACH Debit - {$530.00} - {$92.00} | ||||||
| 09/11/2022 | Yes |
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| On or about XX/XX/2022 and other varies dates I have reached out to NAVY FEDERAL CREDIT UNION, Requesting copies of the documents that they are using to validate the following accounts navy federal account no : XXXX reporting on XXXX XXXX and XXXX and XXXX reporting on XXXX .... I have explained to them several times that the accounts were used Fraudulently, and that I was incarcerated when all these transactions took place, I have furnished them with documents from the UNITED STATES DEPARTMENT OF JUSTICE that proves I was incarcerated at the time these transactions took place. I also furnished them with a XXXX XXXX police report and an identity thief report. I reached out to the Credit Bureaus XXXX, and XXXX, and they explained to me that Navy federal furnished them with documents validating these accounts, and that they could not provide me with them that I would have to request them from the creditor Navy federal credit union. I HAVE REACHED OUT SEVERAL TIME REQUESTING THESE DOCUMENTS. I have not received any documents validating this account. According to the law Pursuant to federal law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information.1 ) Debt collector communication disclosure 12CFR S 100.634 ( C ) ( 1 ) ; 2 ) Debt related information 12 CFS 1006.34 ( 2 ) ( i ) - ( v ) 34 ( c ) ( 2 ) ( ix ) ; 3 ) Itemization related information 12 CFR S1006.34 ( 2 ) 9vi ) ( viii ) ; 4 ) Consumer response information ( 12CFRS 1006.34 ( C ) ( 4 ). 5 ) A copy of the originial contract with my signature for this debt. I am simply requesting that NAVY FEDERAL abide by the law and furnish me with the documents that they used to validate these accounts. | ||||||
| 12/07/2020 | Yes |
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Web | Servicemember |
| I was on vacation in California, when I was robbed by XXXX XXXX. He is a XXXX XXXX in California. He demanded my cell phone, wallet, debit/credit cards, and PIN numbers, and my XXXX rental car ( XXXX XXXX ). This occurred in XXXX, CA on XX/XX/2020. I attempted to contact Navy Federal to close my card, but without a cell phone, hotel long distance, and without knowing my NFCU Access Number, I was unable to get in contact with anyone until several days later. I filed a police report which detailed the auto theft ( separate case number ) and the theft of my wallet, phone, cards, etc. I provided that information to NFCU as soon as possible. I was told that my claim was assigned to a claim 's examiner and would be processed as soon as possible. I then received a letter telling me that " No error occurred '' and after reviewing my claim for just one or two days, I was told that the decision was final. I attempted to appeal the decision under Regulation E, but was told that my claim was closed and no further changes could be made. Mr. XXXX not only accessed my debit card, but also my government ID badge, SSN, Passport Card, and other private information. I have filed a request with the SS Admin to get a new SS Number and I had to change my phone number because Mr. XXXX was attempting to access other financial information and my credit report and I use 2FA for most of my apps. The XXXX, CA PD recovered my car, wallet, and phone the Tuesday after it was stolen, but by this point, over {$3800.00} in funds had been stolen and used. XXXX PD said that he was seen on camera withdrawing my funds at a " XXXX XXXX XXXX '' ATM in downtown XXXX in the middle of the night. I presented these facts to NFCU, but my claim was still denied. | ||||||
| 12/23/2016 | Yes |
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| I had a mortgage with the Navy Federal Credit Union and filed a Chapter 13. As part of my court approved plan, I can turn the property over to the NFCU. After explaining this situation they asked that I apply to submit a Deed in Lieu of Foreclosure which I applied to do - before they would approve that they said the property needed to be listed with a broker for 90 days which I did and there is now an short sale offer on the table representing about 95 % of the outstanding loan balance. NFCU is now saying before they approve the short sale they must have a letter from the trustee saying that the trustee will approve a short sale. My lawyer says that before that request can be made we need a letter from NFCU that they will release the lien once the deal goes through and NFCU is refusing. Worse, despite numerous requests for a conversation with a supervisor have never had my call returned. Concurrently, they filed a motion to get a judgment against me for the entire balance remaining on the loan which of course the trustee objected to based on the plan that NFCU was aware of when they sought the judgment. Frankly NFCU seems to be acting in bad faith and I can not figure out why it would be in there best interest not to accept the short sale. They repeatedly tell me that their guidelines do not allow the committee to review the short sale approval without the trustee letter and when I tell them what I need to get the trustee and court approval they tell me that I will not receive the letter. I am afraid now that the offer for the short sale will get pulled thanks to NFCU 's failure to work with me in a timely manner. It is shameful and I can not imagine that this is in NFCUs best interest - they should accept the short sale offer. | ||||||
| 01/05/2022 | Yes |
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| I am filing a complaint against my wisely ( XXXX ) debit card inst. ( acc. no. # XXXX ) and Navy Federal Credit Union XXXX acc. no. # XXXX ). On or aboutXX/XX/2021, I instructed my XXXX debit card inst. to transfer XXXX off my XXXX debit card into my " new '' savings account with XXXX XXXX. Upon waiting minutes for this transaction to go through, I continued ued calling both parties to see if the transaction had been completed. After calling Wisely a few times, they finally asked me to check my account number with XXXX XXXX. Upon checking my online app. I saw I failed, as a new member, to push " more '' to get my complete " savings " account number. I gave wisely the first number visible on my " checking '' account number and added my last 4 numbers visible off my " savings '' account. I immediately called Wisely back and told them I gave them the wrong account number at which time wisely informed me, " if I gave the wrong account number the money would automatically go back into my Wisely account. '' I then immediately called my XXXX XXXX account holder and told them of the error and I was told my XXXX went into another XXXX XXXX members account and there was nothing they could do. I filed a complaint with the dispute dept. for wisely and they concluded no error on them because I gave the wrong account number. I told them yes I did but, I instructed them to transfer XXXX into " my '' XXXX XXXX account, not XXXX XXXX! I have lost XXXX dollars and neither account holder wants to take responsibility. XXXX XXXX should have immediately asked did I give wisely the right account number because, after I waited the five days as wisely instructed me to do, XXXX XXXX told me they could have done something about it if I told them sooner. | ||||||
| 09/25/2023 | Yes |
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Web | Servicemember |
| I went in at XXXX to Navy Federal Credit Union to deposit my paycheck so I could pay bills. After depositing through their ATM, there was no pending check in my account and no funds. So I reached out to their corporate number and was told that because the check was over {$1000.00} that part of the check ( {$250.00} ) would be deposited into my account on XXXX and the rest would be in my account by XXXX morning. Fast forward to today- no money and no pending check. So I call the number back. The associate helping accuses me of depositing the check too late to get any funds before tomorrow. When I quoted direct timing to him of speaking to his coworker at XXXX after depositing it at XXXX, he said oh well thats XXXX time not XXXX. And he made it clear that he could do nothing. So I asked to be transferred to a supervisor. Now when XXXX got on the phone he basically told me straight out nothing could be done for me. When I pointed out that his employee made false promises and lied because of the time zone, he agreed that it shouldnt have been said and said he would talk to the employee. However I pointed out talking doesnt fix the fact that I have bills due today and XXXX going to get charged fees because of their employees lies. He said that theres nothing they can do. So now on top of holding my money XXXX, they are causing me to get fees that should have been avoided. If you work in XXXX time and its already past the time of deposits needing to be in, that should be stated. But as it wasnt, now theyve wasted my time, money, and have completely lost my trust in this company. As soon as my funds are in my account I am closing my account. And if anyone reading this also has Navy Federal accounts, I suggest you do the same. | ||||||
| 06/16/2023 | Yes |
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| I am a NFCU member and have checking and savings accounts with them. Due to the fact that I live far from a NFCU branch, I've opened a checking account with XXXX XXXX XXXX to make atm deposits and then transfer funds to NFCU with my debit card, which funds becomes available immediately, since they are processed a cash advance. Today I deposited {$200.00} at XXXX XXXX XXXX and then called NFCU 's automated system to make my transfer as usual. When I was finished entering my XXXX XXXX XXXX debit card information and transfer amount for {$200.00}, I got a voice response from NFCU advising me that there was an error on my transfer and transfer was not completed. When I checked my XXXX XXXX XXXX account, my balance was {$0.00} and it showed a {$200.00} transfer to NFCU account. I immediately contacted NFCU to see where my funds were and why my funds was not posted to my account, since transfer was made with a debit card and becomes available immediately, and the representative said it was because it was the end of the day. I told her that those types of transfers becomes available immediately, so I was transferred to a supervisor named XXXX who told me that NFCU had rejected my transfer, but she could not give me more information, saying that there was an address mismatch. I then contacted XXXX XXXX XXXX and the representative put me on hold, then the call got disconnected and then it came an automated voice system saying that the bank was already closed. My {$200.00} funds are not on my XXXX XXXXXXXX XXXX or NFCU account and nowhere to be found and both XXXX XXXX XXXX and NFCU are not taking responsibility on this situation, yet, my money is being held on one of the two banks and I have no further information about it. | ||||||
| 05/02/2023 | Yes |
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Web | Servicemember |
| To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt correction of inaccurate late payment reporting on my credit report with XXXX and XXXX. Your immediate attention to this matter is required, as the continued presence of this inaccurate information is causing significant harm to my financial well-being. The account in question is as follows : Creditor : Navy Federal Credit Union Account Number : N/A My credit report with XXXX reflects the correct account standing, showing no late payments and a status of " good standing. '' However, my credit reports with XXXX and XXXX inaccurately report late payments on the same account. This discrepancy raises concerns about the accuracy and reliability of the information reported by your agencies. Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of the late payment reporting on this account. Should you fail to substantiate the late payment claims or correct the inaccurate information, I insist that you promptly update my credit report to accurately reflect the account 's good standing, as reported by XXXX. In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of the late payment reporting, you are legally obligated to correct the account 's status on my credit report and notify me of the changes made. I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part. | ||||||
| 03/16/2018 | Yes |
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| Navy Federal Credit Union is reporting 2 adverse trade lines ( 2 credit cards ) as 4 adverse trade lines and 1 closed account paid ( 1 vehicle ) as 2 closed accounts paid. As a result three Navy Federal Credit Union trade lines are reporting as six Navy Federal Credit Union trade lines. This is negatively affecting my credit score and credit worthiness. The following Navy Federal Credit Union ( vehicle ) closed account paid is reported as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The same vehicle loan is listed as two different trade lines with two different account numbers. The 30, 60, and 90 day lates are reporting twice as late payments. The following Navy Federal Credit Union ( credit cards ) accounts are reported as follows : XXXX XXXX XXXX Past Due : {$2200.00} Payment : Collection XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Past Due : {$2200.00} Payment : Profit & loss Balance : {$2200.00} XXXX XXXX XXXX Past Due : {$2000.00} Payment : Collection XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Past Due : {$2000.00} Payment : Profit & loss Balance : {$2000.00} The amount past due is reporting a total of {$8600.00} ( XXXX + XXXX ) two times the amount of the total past due. The total past due is {$4300.00}. Last active date XX/XX/XXXX is incorrect. According to the report, both accounts were closed by credit grantor in XX/XX/XXXX. My records indicate last payment made on either credit cards was XX/XX/XXXX. A negative credit reporting for both cards began in XX/XX/XXXX. No payments or activity were made after that date. I have attached a copy of my credit report supporting my complaint. I have blacked out information not pertaining to this complaint for my personal protection and privacy. Thank you | ||||||
| 09/15/2022 | Yes |
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| My Visa XXXX Card Account Ending in # XXXX, was compromised and used without my permission on XX/XX/2022 for the total amount of {$21000.00} at the XXXX XXXX XXXX, in XXXX, NJ. NFCU was advised that I did not authorize purchase. At that time, my card was blocked, and I was told by NFCU that they would be doing a complete investigation, which would include obtaining video footage, signature and/or receipt from merchant, recording of call that was made to NFCU. To only be told at the conclusion of the investigation, that they do not accept video, nor did they contact the merchant. I called NFCU yesterday XX/XX/2022, and spoke with Supervisor XXXX XXXX XXXX XXXX ) who advised me that the investigation has not started. Nor has it been assigned to anyone. I asked for proof of this text message that they sent to me, and it has not been done. I contacted my phone carrier to receive a copy of all calls and/or text messages, but my phone carrier advised me that prepaid phones do not keep records of such data. So the burden lies on me to fight with a bank. Why they would send a text, as oppose to calling me, as they have always done in the past. What was so different about this purchase? Also, they replied back to the previous complaint I entered last month, saying that they were working on it, and per NFCU, supervisor ( XXXX ) on XX/XX/2022, they have not started working on it, which means they are lying about doing the investigation. I am also insulted by the language used in the letter of the denial, basically saying they made their decision by my transaction history, which clearly shows that my wife and I pay our bills, so what is NFCU saying? Also, to accuse me of having some sort of relationship with the vendor is mind-blowing! | ||||||
| 06/03/2021 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I applied for a consumer auto loan with Navy Federal Credit Union. I was denied and advised upon calling customer service that I'd receive a letter with the explanation. The letter received advises that there were several factors for why I was not approved which included a credit score of XXXX that Navy Federal advised was provided to them by XXXX. On today XX/XX/XXXX I contacted XXXX and they advised that they do not provide leaders with an actual credit score, they only provide the reports. I confirmed my XXXX score to be a XXXX. XXXX did not have historical information regarding what the score was on XX/XX/XXXX but I do know that when I checked my score on the XXXX via XXXX XXXX which is a XXXX XXXX product my score was also a XXXX at that time. When I contacted Navy Federal today XX/XX/2021 the representative was confident that they had been given a score of XXXX by XXXX XXXX. She also advised that the other reasons listed on Navy Federals letter had to have played a significant role in the denial decision. She followed that statement by saying that upon looking further into my loan application it looks as if the actual reason it was denied wasn't the credit report and score at all, that it based on something historical with my Navy Federal account. She advised that she did no have any detail regarding what exactly. To substantiate the information I am providing I have attached the letter from Navy Federal and a copy of my XXXX XXXX score XXXX XXXX as well as my credit score ordered directly from XXXX XXXX today, XX/XX/2021. Thinking back this is the second time Navy Federal has denied credit to me this year and I am suspicious that it was also denied the 1st time using invalid credit score information. | ||||||
| 01/31/2021 | Yes |
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| On XX/XX/2021 I sent letter to navy federal asking them to dispute these negative late payments from my report because it was unfair and abusive to my general reputation as the consumer and at the time I have been going through hardship. They responded and said they are only allowed to report accurate information. But, that's not true they lied to me! because as a educated consumer I have read the laws of the FCRA and the FDCPA and it states in 15 USC 1692D 1 ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with collection of a debt. without limiting the general application of the foregoing, the following conduct is a violation of this selection : 1 the use OR threat of use of violence OR other criminal means to harm the physical person, REPUTATION or property of any person. I have explain to the debt collector that my consumers reports is my general reputation and that The FCRA ALSO STATES 15 USC 1681 The banking system is dependent upon FAIR and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and UNFAIR credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. My consumers reports have been indeed unfair to my reputation as a consumer I have a right to privacy and I have explain this to the 3 major credit bureaus and navy federal in the mail and over the phone numerous times. I hope cfpb is able to help me with this issue. | ||||||
| 02/22/2017 | Yes |
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| I had a checking account with navy federal credit union that offered overdrafrt protection that i unfortunately took advantage of & got so far behind that i had a hard time paying back. Not fully understanding the terms or programs offered by the credit union i was under the impression that i needed to pay the overdrawn amount in full. My checking account was closed and sent for collection at the same time my savings account remained active. I had a significant amount of money deposited in my savings account when i tried to withdraw the money from my savings i was informed by the representatives from navy federal that i would have to set up arrangements to pay the amount overdrawn from my checking account before i would be able to access my savings account once i then spoke with the representative from that department she informed me ( very rudely ) that the credit union would be taking all the money from my savings account and that since she could not confirm my employment or source of income that i would n't be able to set up any arrangements & any future money deposited into my savings would be applied to my remaining overdrawn balance all this after explaining to her that i am a XXXX veteran living on a fixed income. I would think that navy federal credit union is supposed to offer benefits for XXXX and XXXX veterans instead of a rude & hostile customer experience i also again agreed to set up arrangements & while speaking with the agent she took all the money from my savings account. Any help with this will be greatly appreciated. I intend to pay off the remaining balance and close all my accounts and i will no longer do any business with navy federal credit union & anyone i speak with or know i would suggest the same. | ||||||
| 03/02/2023 | Yes |
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| On XX/XX/2023, I logged into my Navy Federal online banking and noticed I received my tax return, which was a surprise because I had just filed I seen that It was only XXXX in my account. I called Navy Federal up to someone and asked where my money was in my account. They stated we took it. I said for what they stated for a credit card in collections. I was in the biggest shock. I had no knowledge of this, never received any correspondence in the mail, called anything the rep stated, we sent an email. On XX/XX/2023 in Reference to the credit card about collections I never received it then she stated that it's like if you don't pay your light bill I don't know how that correlate I have been in contact with Reps for them to do this to me is very Surprising I have been explaining to them my circumstances me and children are homeless when I talked to a rep I sated I would pay the pay due balance I owe when I got my return they took everything from me and when I called they were unprofessional unpleasant and uncompassionate I asked to speak to a manager someone higher up was hung up on called back and placed back in a queue put on long holds I have been banking with this company for 17 years I have never experienced a situation like this with Navy Federal credit union before. People fall on hard times ; the FDCPA protects consumers from how and when they can contact a consumer concerning a debt, also the statue of limitations of the debt. I want this issue resolved and my money back I told them I would pay the past due balance they went the wrong way about this I was never made aware by mail or phone of the collection against me in order to make arrangements payment plan they just took all that I have and I'm back at square one | ||||||
| 10/12/2022 | Yes |
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| XXXX XXXX Loan # XXXX It has recently come to my attention that there may be defects in the original contract that was entered into when the above-listed credit account was established with a Navy Federal Credit Union XXXX which may invalidate our present agreement. According to XXXX, the definition of a Finance Charge is The sum of ALL charges. The Truth-in-Lending Disclosure that I was provided with states that the Finance Charge is The dollar amount that the credit will cost you. These two things are not synonymous and do not mean the same thing. This is recognized as an error in disclosure ; therefore, it qualifies as a criminal act of giving false or inaccurate information because you failed to provide the information required by law to disclose. By not telling me the Finance charge is not the sum of all charges you did not give me proper disclosure of the material disclosure that is required under truth and lending. Which in turn means that I did not have adequate notice. Upon discovery of this deceptive and unfair practice, this resulted in a misleading representation of me as the consumer. This willful negligence to disclose truthful information has led to the conclusion that a truthful credit transaction did not occur. Because I was misinformed, there was no meeting of the minds in this transaction ; therefore, this contract is considered null and void. According to XXXX XXXX. XXXX ( g ) ( b ), a creditor who fails to provide verifiable proof of an alleged debt within ( 30 ) -calendar days forfeits their right to further collection activity and repudiates the debt. I will expect your response to my demand for the correction of your errors or the documents requested above within XXXX calendar days of your receipt. | ||||||
| 03/22/2018 | Yes |
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| XXXX XXXX XXXX is a retail store that uses XXXX to process its credit cards. All of the money from sales that are made by credit cards in XXXX XXXX 's store are received by XXXX who transfers it to XXXX XXXX who is then to deposit them into XXXX XXXX 's bank account. Beginning on XX/XX/XXXX XXXX began to deposit XXXX XXXX 's funds into four different bank accounts. Can did not authenticate the four different bank change forms that XXXX received nor did they authenticate that the new accounts were owned by XXXX XXXX.The first bank account involved was XXXX XXXX routing number XXXX account # XXXX The deposits made to XXXX XXXX are XX/XX/XXXX {$8700.00} ; XX/XX/XXXX {$7300.00} ; XX/XX/XXXX $ {$7000.00}. The second account was Navy Federal Credit Union routing # XXXX account # XXXX The deposits in this account are XX/XX/XXXX {$10000.00} ; XX/XX/XXXX {$36000.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$25000.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$17000.00}. The third account was XXXX XXXX routing # XXXX account # XXXX The deposits this XXXX are on XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$21000.00} ; XXXX {$8000.00} ; XX/XX/XXXX {$9200.00} ; XX/XX/XXXX {$8600.00}. The fourth bank is XXXX XXXX XXXX XXXX routing # XXXX account # XXXX. The amounts are XX/XX/XXXX {$7900.00} ; XX/XX/XXXX {$7000.00} ; XX/XX/XXXX {$21000.00}. ; XX/XX/XXXX {$10000.00}. ; XX/XX/XXXX {$8800.00} ; XX/XX/XXXX {$7000.00} ; XX/XX/XXXX {$7100.00} ; XX/XX/XXXX {$8400.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$12000.00}. XXXX XXXX sent letters of indemnification to all the banks except XXXX XXXX to request the return of XXXX XXXX funds. XXXX returned approximately {$59000.00}. and approximately {$75000.00}. was returned by either XXXX XXXX or XXXX XXXX. | ||||||
| 12/18/2021 | Yes |
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| I contacted my bank once I realized I was a victim of fraud and tried to get them to cancel a transaction but was advised I had to wait until the charge cleared to complete my fraud claim. I thought I was investing in bitcoin mining only to find out it was a scam the next day after sending the funds to the scammers. Navy Federal has a zero liability policy that states a customer can be covered for transactions they didnt authorize or benefit from. When I was finally able to put the claim which didnt happen until 5 days later. the representatives made me feel as if I would be to get my funds back because of the aforementioned policy and I asked specifically if by me initially authorizing the payment would that prevent me from being covered they advised no. A week or so late I get a letter saying my claim was denied because I authorized the transaction which was never information that they didnt know as I told them I initiated the transactions but found out I was being scammed. After speaking with another rep she advised me that they shouldve put my claim in as a dispute and not fraud and stated I should submit another claim but as a dispute and not fraud. Several weeks later they come back with the same decision this time stating that I was charged for the amount I owed after receiving merchandise or a service which I havent received the scammers have my money. I sent screenshots of the conversation between me and the scammer and screenshots showing the website the scammers gave me thats is now down. I was a victim of fraud and Navy Federal has come to 2 decisions that is doesnt support the documentation I sent to them. Ive been banking with them for several years and when Im a victim of fraud they totally disregarded it. | ||||||
| 12/31/2022 | Yes |
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| Navy Federal Credit Union is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Navy Federal Credit Union failed to perform their obligation to respect and protect my privacy. Navy Federal Credit Union failed to provide me an adequate opt out notice and Ive NEVER granted Navy Federal Credit Union any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Navy Federal Credit Union actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Navy Federal Credit Union breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Navy Federal Credit Union to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Navy Federal Credit Union is required to comply with this opt out notice upon receipt and comply with the follow | ||||||
| 09/15/2022 | Yes |
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| Navy Federal Credit Union Foundation doing business as Navy Federal Credit Union ( NFCU ) is committing fraud and white collar crimes ( extortion ) against consumers on a daily basis for a number of reasons. Regulatory provisions are being violated in criminal ways that constitute extortion and theft of identity and property. NFCU is not required to mortgage or otherwise lien property in order for Consumers to purchase or build a dwelling pursuant to 12 CFR 701.31 and 12 CFR 701.20. NFCU is also not required to use cash assets or real property to secure the purchase of a dwelling pursuant to 12 CFR 1002.2. They have been sufficiently notified and they refuse to make any accommodations as required by the Fair Housing Association as an Equal Housing Lender. NFCU has informed me on several occasions that they are not required to adhere to these regulations and that they do not provide the required service in compliance with their applicable regulations and laws. Doing business with them is also dangerous because they are a 501 ( c ) ( 3 ) organization which means they are TAKING property from people by outright fraud and extortion. If you look at the " about us '' page on their website and their Articles of Incorporation registered with the Secretary of State in VA, you will see that they are TAKING property as the language reads, and that the Foundation has no members. They are required by law to process an extension of credit without a lien, which is a money transfer for the purpose of purchasing a dwelling. NFCU is only to receive interest in the amount of a finance charge and nothing more. They are tricking people into paying them, for loans that are not at all funded by NFCU. Please see attached documents for details. | ||||||
| 05/30/2018 | Yes |
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Web | Servicemember |
| Also refer to pending CFPB Complaint # XXXX. After the death of my spouse in XX/XX/XXXX, I discovered that Navy Federal had blocked me from any access to mortgage information. Their justification was that since the initial mortgage processor, XXXX XXXX, deleted my name from the account because it was my husband 's VA guaranty certification that was being used ( not mine. ) I continued to research the issue, including determining that a previous VA-related mortgage with Navy Federal under the same circumstances maintained my status as a co-borrower. I recently located the loan documents for the current loan that Navy Federal personnel have blocked me from and which Navy Federal has refused to include in my credit report for on-time payments since XX/XX/XXXX. The certified/recorded loan documents, including the loan, Deed in Trust and VA addendum all contain my initials, my typed name and my signature in addition to my signature as attorney-in-fact for my husband. Navy Federal personnel for four months have refused to acknowledge or repair the damage from their failure to process or service the mortgage documents properly, including credit reporting on my file and providing online and all other access to the current mortgage. Over these months, not one of fourteen online and branch employees-including the 'Survivor Relations Counselor ' could be bothered to even research the documents that clearly illustrated Navy Federal 's error. It was easier for all personnel, especially mortgage supervisors, to threaten and pressure me to apply for a new mortgage instead of the VA-directed correction of a surviving spouse assumption. There is no excuse for such systemic, corporate-approved deliberate negligence and misfeasance. | ||||||
| 03/25/2018 | Yes |
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| I notified Navy federal in earlyXX/XX/XXXXthat I was a victim of Identity theft. First starting with my sister filing taxes under my name and social to get a refund. I had an ftc and police report done then. I next was a victim of 2 data breaches one inXX/XX/XXXX and the XXXX breach in XXXX. When I notified them immediately that there was a problem with my account, they started an investigation, and sent me a letter telling me my card was closed and what I needed to provide. Which I did and this was about 2 years ago. They still didn't fix my account. The second time I marked every transaction that wasn't mine, for their review still nothing.. I stayed on top of this. I spoke to many people from customer service to fraud. I was not paying a balance I didn't owe. My account was closed in XX/XX/XXXX. But they still kept paying ebills, and charging more fees, When an account is closed nothing more should be happening with it. They made that mistake. They need to bring the account current, get it out of collections. and take it off of my credit report. It was due to the fraud the account was out of control and they wouldn't do anything to stop it, except make it worse. I am attaching all cases and their results. Every answer they have provided has not even sounded like they have tried to do anything, I will take this to the attorney general a second time. and the ftc again, they just allow Navy Federal to get away with this and it isn't fair, When it says they take this kind of thing seriously, I have no idea who they mean, because they are even willing to take money from their own soldiers which the CFPB did get them for. So it is obvious they don't care about their customers, just putting is in dept and leaving us there. | ||||||
| 08/28/2017 | Yes |
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Web | Servicemember |
| I recently filed complaint ID # XXXX against Navy Federal Credit Union ( NFCU ) for fraudulent white collar mortgage fraud and RICO statute against me. You received a very eloquent and prevaricated response from XXXX XXXX ( NFCU ) Supervisor, Mortgage Default Management, XXXX, extension XXXX. She stated that NFCU never transferred {$5000.00} from any of my bank accounts to my mortgage which is not what I claimed. I said someone in NFCU had been entering my accounts and electronically transferring money under the guise of fees and payments without benefit of a clear delineation of who authorized what action and where the funds were being placed. The {$5000.00} that is pertinent to my account was removed by means of collusion with XXXX XXXX for a foreclosure that never took place which is financial fraud and a federal offense. NFCU from the CEO on down were privy to the opening and closing of Escrow # XXXX, on XXXX XXXX XXXX. Someone in the NFCU chain of command decided that not only would they pilfer money under the guise of legitimacy, they also reported the sale of my house as, " foreclosure redeemed. '' There was no foreclosure or abandonment of my house. I sold it in preparation to move to another state for imminent employment. Please send my the necessary CFPB form so I can provide you with written and/or electronic endorsement to audit my NFCU bank records for aggregate evaluations of any and all transactions. This is not an isolated incident. NFCU has shown the propensity to commit acts of bank fraud and financial collusion against a myriad of its member/patrons. Please refer to the following website for documented elements of alleged financial crimes and customer complaints. XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 01/19/2017 | Yes |
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| I was recently married and added onto my husbands account at Navy Federal Credit Union. We do n't live anywhere near a branch but it was important to my husband that we use this account as our primary account as this Credit Union is for military families. I attempted to make a deposit of a check thru the mobile deposit feature on the mobile app but received the following message " You need to be a member for at least 30 days in order to use Mobile Deposit. We are currently experience issues with Mobile Deposit enrollment. For assistance, please call Navy Federal at XXXX. '' I called and the representative informed me that I needed to open my own membership account in order to have access to this service. I informed him that I did n't need to make deposits into another account, just this one. I requested a supervisor and spoke to XXXX a Contact Center Supervisor. I again was unsuccessful at gaining access to make deposits into my account. I explained I already check for local ATMs to deposit in, they do n't participate in shared branching, etc. They informed me that I either needed to have my husband make the mobile deposit or I needed to mail the check in. I have no credit issues, long time on my job, etc. The only issue is that Navy Federal is forcing joint owners to open membership savings with them if they have no other options to conveniently make deposits. I have my husband at home and can have him make the deposit for me. This institution is for military families and not all joint owners are going to have that same access to their spouse as I currently do. To make struggling military spouses open a separate account to be able to make deposits into a different account when there is n't a nearby branch is n't right. | ||||||
| 09/04/2023 | Yes |
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| n accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNAVY FEDERAL CREDIT UNION ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A. states i have a right to privacy. 15 U.S.C 1681 SECTION 604 A. SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE. | ||||||
| 08/15/2023 | Yes |
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| XXXX and FINAL NOTICE AND COMPLAINT BEFORE LITIGATION! ** There is a XXXX late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with Navy Federal Credit Union XXXX Account Number : XXXX, Which is reporting on my credit reports with XXXX, XXXX, and XXXX, which needs to be removed immediately. I was late due to me being sticken with XXXX and have been sick for the times up to the last late recent late payment, which was in XX/XX/XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( Navy Federal Credit Union Home Loan ) making the report is not included on my consumer report. Navy Federal Credit Union, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Also, I have proof of a letter from Navy Federal Credit Union that they would remove the late payment from the XXXX, XXXX, and XXXX, but failed to remove it. This is my last and final time discuss and complaining about this important matter. My next solution will be taking it through the Court System and seeking damages through litigation. Thanking you in advance for your cooperation. Please see attachments and proof that Navy Federal Credit Union would remove the XXXX late payments from my credit reports. | ||||||
| 02/12/2023 | Yes |
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| On XX/XX/2022 was when my vehicle was broken into and my work items were stolen such as my business phone, I kno I can take the blame for not having a passcode on there but I did have all my bank information in my notes my SSN and etc .. i have proof of the truck the type of phone it was and everything my bank hasnt personally reached out to me with a call or anything dealing with my account so I didnt think nothing of it. I have my own trucking business and have a business bank account with Navy Federal Credit union .. so when I finally get back home after working a week I had mailed waiting on me saying different things about my account suspicious activity? Mobile deposit? knowing it wasnt me I called navy federal as quick as possible and told them everything they immediately told me it might not be anything they can do and I might be responsible to pay back the funds.. I ask them what funds the person that had my log in information mobile deposited a XXXX business check in my business account Im like thats impossible! I havent even worked that much with my business to even pay half of that! I applied for a loan to get everything up and and running and that incident got my account closed my loan closed I still have credit cards I have to pay on navy federal not even trying to investigate not even trying to work with me like I did this problem THIS IS FRAUD THIS WASNT ME I deserve to have another account I never been apart of any fraud I had this account for some years they said they was going to get bk with me but I havent heard anything yet! If I can get another account back open I can at least try to pay something on it but I desperately need my account back I can not lose this privilege payment plans or something | ||||||
| 06/27/2016 | Yes |
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Web | Servicemember |
| I am a XXXX military Veteran trying to open an account with Navy Federal Credit Union. As per their email I received they requested identifying documents, which, as per their email, was sent to them. Every document, except my state drivers license, was not accepted, even though every document sent to them was in the list in the email from their Security Operations section! I sent my most recent Federal tax return ( not accepted ) ; my XXXX rental verification document ( not accepted ) ; etc. I called and the customer service agent said even though the documents requested were in the credit union 's emails to me - they were not accepted! He could not explain why they would ask for said documents and then reject them. I have included their original email asking for the documents in question : Thank you for sending in your requested document needed ; however, the driver 's license attached is too small for us to accept ( Send a larger photo ). In addition, the proof of address was not accepted ( Full document from list below ). Please resend your full and clear copy of your government issued photo ID and a different proof of address than attached that you used to open your account from the list below. You may send a clearer copy via email to XXXXXXXXXXXX. Acceptable Primary IDs Driver 's License XXXX Citizen ID card Passport Permanent Resident Alien card Acceptable Proof of Addresses Voter 's Registration Card Paystub within the past 2 months Vehicle Registration Insurance Documents Bank Statement within the past 2 months Local/State/Federal tax documents Utility Bill within the last 2 months ( water, gas, electric, trash ) IRS XXXX from the most recent year Security Operations Navy Federal Credit Union XXXX XXXX ) XXXX | ||||||
| 06/24/2020 | Yes |
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| During the XXXX financial crisis, I was unemployed for 6 months and this put me in debt. After getting a full time job, I applied for a loan modification with Navy Federal Credit Union ( NFCU ) and I was told by the rep that NFCU could not approve me because of my credit card debt. I told them I was working out payments with the creditors too, but the response was clear, if I didnt have those Credit card payments I will be approved the modification, so I told NFCU my house was more important and I stopped paying my credit cards and my temporarily loan modification was approved. Later, I got suit by my creditors and this pushed me into bankruptcy in XXXX. NFCU told my bankruptcy attorney that they will not do a reaffirmation agreement, but I continued to pay this loan for 2 more years, even though my debt to Navy Federal Credit Union ( NFCU ) was discharged in bankruptcy in XXXX. Because my property was underwater at the time of the bankruptcy, this junior lien should have been stripped from my property. This was the practice at that time, but for some reason the lien is still attached to my property. Because of this lien, I have not been able to take advantage of the low rates, like many Americans, and I have been forced to pay a high mortgage rate for my first mortgage. Now with Covid-19, Im facing financial hardship. My first mortgage has a high rate, but I can not refinance because of this junior lien from NFCU. I sent NFCU a letter this week asking them again to release the lien, so I can avoid the risk of loosing my home. I need your help to get them to release this lien. NFCU has charged off this debt already and I even paid them interest only on that loan for 2 years after the discharged but enough is enough. | ||||||
| 07/20/2023 | Yes |
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Web | Servicemember |
| XX/XX/2023 I was speaking to a Custom Service Rep/ Supervisor who did try to answer my question but they were not able to help me understand why XXXX was taking out in XXXX for XXXX company and denied XXXX times for another. I was told on a recorded line that ended at XXXX pm that they only allowed during tax time and I informed them I am XXXX receive XXXX and I dont file taxes so why would that be applicable as I dont pay taxes and spend up tax money as the rep prior was told to say to a XXXX person who doesnt blow tax money because I dont receive it. I went on XXXX XXXX to ask fellow Navy Fed members do any of them have insurance being taken out of a regular savings or shared savings that are being utilized and out of those how many have are currently still allowed? That would be a huge contradiction and then my thoughts of the whole its tax time seems a bit discriminatory even with the best verbiage. I posted on XXXX XXXX to get some answers bevausr I would like an explanation. When Speaking with the Supervisor I was told verbiage they follow policy and that I was given a courtesy for the transaction from XXXX weeks prior which contradicted the entire statement and conversation which is my issue. So when speaking telling a person they allow during tax times and toward the end of the year they stop I informed the supervisor I have all my correspondence from when my husband and I opened the account. I do not see in policy who is the deciding factor for choosing when and why they will or will not allow you to pay out of savings because I currently pay all XXXXXXXX XXXX XXXX XXXX XXXX from that account but they rejected XXXX with no correspondence. I do not see anything about tax time or courtesy and its alarming? | ||||||
| 05/05/2022 | Yes |
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| I filed a fraud dispute claim with Navy Federal Credit Union a few months ago and never heard anything back. I would try to call when I get off work but it'll either be extremely long wait times or they would close. I finally was able to speak with someone and she told me that the fraud personnel was out of the office so she couldn't provide me with any accurate information in regards to my claim. After an hour wait on the phone, she informed me to login into my NFCU account online and send them a message through the portal to request an appeal since she didnt see a valid reason why my claim was denied. There was a list of charges disputed on my account. However, I just came to realization that NFCU never honors a claim. I've had maybe two small claims over the years and I've been a member since 2017 and they always declined my claims. This is no coincidence and I'm starting to feel like I'm being racially profiled and my XXXX American money isn't worth protecting and claims arent worth being approved. I've accepted the losses in the past but I refuse to let this behavior continue. I submitted an appeal on the NFCU website and I would like to request a reinvestigation immediately. I would like my account balances updated correctly, all fraudulent charges removed, a temporary credit applied while they reinvestigate this account as well as my bill amount due updated correctly. I request immediate attention to this matter and If this isn't handled professionally in a timely manner then I am willing to consult with an attorney to seek monetary damages for charges on my account, damages to credit, and more. This is a FINAL appeal request and NFCU have a list of the charges filed in the dispute in their system already. | ||||||
| 12/05/2020 | Yes |
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| I reached out to Navy Federal Credit Union XX/XX/2020 in an attempt to settle an old debt to repair my current credit score, and status. There was no response from the company whatsoever. I then received a letter in the mail from a debt collection agency in connection with Navy Federal Credit Union on XX/XX/2020 dated for XX/XX/2020. I then attempted to access my account online to again attempt to contact someone about settling my debt/account ( s ), only to find out that my account access had been restricted. I then begin to search for what could be done to assist in achieving the repair to my credit. I then found that this is a common problem with the unfair debt collection activities conducted by Navy Federal Credit Union. They currently have a standing Consent Order that I found on your site which made me want to reach out with a complaint against them. *File No. 2016-CFPB-0024* This consent order clearly states in several sections that when they are conducting debt collection practices they are not to conduct business in a certain manner. I have thoroughly read through this consent order and found numerous violations to this consent order that was issued in their attempt to collect a debt from a consumer, mostly revolving around unfair acts or practices in their debt collection practices that violates this very consent order. The violations that pertain to my personal complaint are as follows : *File No. 2016-CFPB-0024* - Article IV : Paragraph 11, 23-28, 60-70, 72, & 79 - Article V : Paragraph 80, 80.b, 81.b, 82.d, 83.b - Article VI : Paragraph 85.c, 85.f, 85.g, 85.h, 87 - Article VIII : Paragraph 93.g, 93.j - Article XI : Paragraph 108.b - Article XIII : Paragraph 112.a - Article XVII : Paragraph 112.a | ||||||
| 11/20/2019 | Yes |
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Web | Servicemember |
| My debit card was stolen and used for the amount of XXXX and some change. When i realized that there was a charge i didnt make i went to the place of the charge and asked the manager if there was a debit card left there. He said someone did leave a card and showed me the card which was mine. So i took the card with me. i waited for the charges to post, because navy federal said i couldnt file a fraud complaint until they posted. The charges didnt post for about a week. Once they posted i filed the complaint. After i filed the complaint the bank credited my account for the amount that was unauthorized. Navy federal said that they deactivated my card on the XXXX of XXXX but i used that card to see if it was actually deactivated but it wasnt. So i used that card until i was able to get a replacement card on the XXXX of XXXX. I filed another complaint message to them about the charges because they said that since i used my card after the credit was issued that they would take that money back from me. They reviewed my claim and still insisted that there was no fraud. They took the money back on XX/XX/XXXX. I called to speak with the fraud department and talked to a woman that said there was no way for me to dipute their findings and it was permanent. I talked to a superviser and she said the same thing and said i should have claimed the fraud sooner and had my card shut off. I had gotten a message from them saying that it was and being me i tried the card to be sure it was. It wasnt shut off and i decided to use that card anyways because i cant just got get a new card in XXXX XXXX in the XXXX while im at work and the bank is closed by the time i get out. So i had to wait 2 days before i could get the replacement card. | ||||||
| 08/23/2021 | Yes |
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| I've been in contact with this company as well as the credit bureaus to advise that information that they're reporting on credit report for 2 Navy Federal accounts. Once account number is XXXX and the other one account number is XXXX. I've been advising them that the accounts aren't mine, and they're reporting the accounts as Navy Federal accounts on my credit reports, but I keep getting collection notices from in the mail from XXXX stating that they're the creditor for these accounts. I never received anything from Navy Federal even after my letter to them. I sent letters to their P.O. Box address that they have listed on my credit report and also their direct physical address that they have listed on my credit report, and again I didn't get a response from them at all! How is it that XXXX is stating they're getting responses from Navy Federal, but Navy Federal hasn't responded to me AT ALL???? There's no way possible that these accounts can have 2 creditors for each individual accounts. By law, only one creditor is allowed to report this account and that creditor must say XXXX since they're the ones trying to collect on this account. Please remove these inaccurate accounts from my credit report. XXXX advised in the last dispute that they made that change, but that is also incorrect information. As you can see from the credit report attached to this claim directly from XXXX, the information still is reporting the same. This is a violation of my consumer rights and I will be taking legal action if this is not removed in this last attempt to resolve this matter. Also, if this account was closed and sold to a collection agency it shouldn't still have payment history reporting on these ; this is also a violation. | ||||||
| 12/01/2022 | Yes |
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| I used my Navy Federal credit card while traveling out of the country at the airport in XXXX on XX/XX/XXXX and returned on XX/XX/XXXX. Upon my return I found the following charges on my credit card. XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. XXXX I proceeded to call Navy Federal Credit Union to file a fraud claim about the charges on my account and I was told to destroy the card and another card was sent to me. I waited a few months and called back in XXXX since the charges were still showing on my account. I was then told by the representative that the first agent I spoke to on the phone forgot/failed to file a claim in XXXX. She proceeded to file a claim and then told me that the charges would be removed including the interest and late payment charges. The charges were removed only to later show up with a letter stating that they have evidence that it might have been me. I asked for the evidence and they refused to provide it to me. I then sent a PDF of my itinerary showing that I was out of the country and also provided an incident report from the police department in my city. They later denied the review stating that they were authorized over the phone but refused to provide the phone number used for the phone authorization. I asked for a new investigation since they failed to file a claim and follow up on the fraudulent charges for months but they told me I have to go to court and get a subpoena to get report from each merchant involved in this case. I am absolutely devastated as this charges are currently affecting my credit score thereby affecting my business and finances. I would appreciate your assistance in resolving this matter. XXXX XXXX. | ||||||
| 05/30/2023 | Yes |
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| I opened a credit card line with XXXX XXXX at the time of my employment. Which was about a year or so ago. Ive been unemployed for the same amount of time. After being laid off from my job, I fell behind on credit card payments and was no longer able to afford the card. Over time, I received calls from XXXX XXXX, I explained to them the Hardship I was going through and that I couldnt afford to pay them a lump sum of the money. I continuously received calls from XXXX XXXX about my credit card, even after I explained to them my situation and how I couldnt make payments. Afterwards, I began to make a few payments in increments but in the end, the payments caught up causing me to fall even more behind. Im a college student and almost always never have any funds due to me having to pay for those expenses. I receive financial aid, which im thankful for, covers almost most of tuition along with other fees. Since im still unemployed at the moment, I have little to no funds to my name. Today, I had an unauthorized Adjustment made to my debit card, which removed {$240.00}. This was my financial aid return to me, which I need in order to pay for my textbooks. I spoke to a Navy Federal credit union member representative today, XX/XX/30 at about XXXX and explained the situation. They looked it over and explained that it went to a debt I owed them. Navy Federal closed my credit line and sent it to collections months ago. Which is another reason Im confused as to why they would even bother to remove the funds. I do in fact have future plans to pay the debt collection agency, and asked for NFCU to reverse the funds. Unfortunately, They werent able to resolve my problem. The call was escalated as well but still no resolution. | ||||||
| 06/19/2023 | Yes |
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| A little over a month ago, I walked into the NFCU branch located on XXXX XXXX in XXXX XXXX, MD, and I waited to be seen by a Mortgage consultant or member service rep. I walked in her office and informed her that I wanted to apply for a mortgage loan. She asked me a few questions and I told her IMMEDIATELY that I'm a member of the HPAP program and I had my eligibility letter in hand to show her proof. She proceeded to immediately say " I don't need to see the paper, your lender will need that, I'm just doing the application with you. '' I said o ok, then she asked for my ID and then she left out the office. Once she came back she gave me my ID back and the said, " I'm sorry but I have a XXXX o'clock appointment and it's XXXX so I won't be able to help you. '' She said you can wait till I'm done which can take hours or come back ''. " She said nobody else there would be able to help me. '' I politely got up and left. But I was upset from her terrible customer service. How did she not know that she had an appointment? I went home and called NFCU to do a mortgage application over the phone the same day. The guy on the line was nice and patient and he told me that he wasn't aware of the HPAP program but will send the application anyway, and he did. The BIGGEST ISSUE I HAVE IS THAT NO ONE, OUT OF 2 PEOPLE HAVE SAID, WE DON'T ACCEPT HPAP, SO I WAITED FOR A MONTH FOR THE STATUS OF MY APPLICATION, I WAS PRE-APPROVED, AND LATER DENIED BECAUSE NFCU DOESN'T ACCEPT HPAP APPLICANTS. MY CREDIT WAS PULLED SO I LOST POINTS DUE THE THESE 2 REPS NEGLIGENCE AND XXXX XXXX AND XXXX XXXX ARE XXXX THEY SHOULD BE FIRED. ITS ABSOLUTELY NO REASON WHY I SHOULD HAVE WENT THRU THIS HEADACHE OF A PROCESS. 4 PEOPLE AT THIS BANK FAILED!!!! | ||||||
| 08/19/2023 | Yes |
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Web | Servicemember |
| I was given, what I believe was, a predatory auto loan by XXXX XXXX in early XXXX while on XXXX XXXX. When I was XXXX from the Navy early, I let Navy Federal know that I was as unemployed. I was unaware of my rights in XXXX. I defaulted on the loan and my last communication with Navy Federal about this loan was in XXXX. The car was repossessed in XXXX. While on unemployment in the summer of XXXX, I asked my sister to cash an unemployment check against her Navy Federal checking account on base at XXXX XXXX in XXXX XXXX. I was approached by the manager to discuss the loan, to which I said I didnt wish to do so. She refused to release my check and I had to call base pd for help. I was unaware that this wasnt something they were allowed to do but this is the last contact I had with Navy Federal about the auto loan. On XX/XX/XXXX and XX/XX/XXXX I received calls from someone stating that they had information to give me about a civil lawsuit being brought against me. I called the number on XX/XX/XXXX and was told by a representative that Navy Federal is in the process of filing a civil claims suit against. I said that I did not wish to discuss this with the representative and that they are not allowed to harass me and claim suit for a loan this hold. The representative said I was wrong and disconnected the call. I believe that this threatening behavior goes against my rights as a consumer as their window to file a civil claim has passed ( the loan originated in California and the last conversation about the loan was XXXX. I have lived in Nevada since XXXX but have not had any sort of conversation with Navy Federal during this time ). I have had decades of harassment from Navy Federal and would like this addressed. | ||||||
| 06/08/2023 | Yes |
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| On XX/XX/XXXX I noticed that there were some fraudulent activities on my account. Initially, I was unaware of what happened to the funds that belonged to me, other than the fact that they were missing. However, I later realized these activities resulted in money transfers ( XXXX ) that I sent to various people and businesses being stolen. Not only did someone steal my money, whoever hacked my online account made claims on these transfers, subsequently transferring the refunded money to another Navy Federal account that does not belong to me. I obtained this information on Wednesday XX/XX/XXXX from a Navy Federal Customer Service Agent, whom I spoke to over the phone and conferred this information to me. The customer service agent stated they could not give me any further information, but due to the fact that I have a single Navy Federal account, I filed claims on all of the fraudulent activity via phone, and I was told there would be an investigation. I received a letter stating that I would be held responsible for all of the fraudulent charges, although none of it was my doing. I submitted an appeal letter, which I have not received a response to yet, but I am filing this complaint because this is not the first, nor second time that Navy Federal has allowed fraudulent activity on my account, and I should not be held responsible for someone else 's fraudulent and illegal activity. In essence, I have had {$2600.00} stolen from me, and this has caused great financial strain on me. Now, Navy Federal is trying to hold me accountable for something I did not do instead of pursuing the person ( s ) whose account the stolen funds were transferred to, although they apparently have information regarding that account. | ||||||
| 05/29/2023 | Yes |
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| On XX/XX/XXXX, I called and talked to Navy Federal customer service to close my account. The representative said if I closed the card, I can't re-open the same card. I told her that's OK with me, I want to close the card. However, XX/XX/XXXX the credit union charged me a card renewal fee. On XXXX, an auto payment transaction from XXXX XXXXXXXX XXXX for {$780.00} and {$4300.00} hit the account for annual insurance premium payment. Since, I was not using the card and had asked Navy Federal to close the card, I didn't look into my account. Navy Federal kept on charging me interest and late fees. Meanwhile, we went to XXXX and didn't get our mails. On our return, my husband saw a letter from Navy Federal. We sent secured messages. The CU asked us to pay the total due first before they could adjust the fees and interest. We made payment for the full amount. However, the CU didn't make the adjustment of the late fees, interest charged from XXXX. It made only {$82.00} adjustment ( As a courtesy we have waived {$62.00} in interest and {$20.00} in late payment fees. ). I sent secure messages but the answer was same. I called Navy Federal on XX/XX/XXXX and discussed about the fees and my call XX/XX/XXXX to close the account. The CU representative said they would investigate and get back to me within XXXX hours. No one from Navy Federal called me. I called the CU again on XX/XX/XXXX. I was told someone from the credit union will get in touch with me on Monday XX/XX/XXXX. I haven't yet heard from credit union. I am convinced that this is a unethical business practice on the part of the credit union not to close my account when I asked for it and then charge me annual fee for the card and charge interest and late fees. | ||||||
| 03/25/2021 | Yes |
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| I dated XXXX XXXX for approx. 1 year before I called it quits because of the XXXX. He was so controlling. I gave him permission to use my Navy Federal Debit Card for gas only. He's the only one with access to my card number and someone has drained my navy federal account. I got paid over {$1200.00} yesterday, spent {$450.00} on a weekly hotel room to get away from him and now I have {$120.00} in my account. It is my understanding that XXXX XXXX is now dating XXXX XXXX, who has been harassing me for years. I have filed 5 police reports with the City of XXXX since 2011 because of the verbal XXXX threats I had been receiving from her. I am now very scared because when I went to check my credit report with all three of the Credit Reporting Agencies, my XXXX account information has been changed. The security questions indicated that I had an auto loan, student loans and a XXXX account in my name. I have never EVER had any of these products or services. My car was fully paid for the day I saw it. I don't use credit, except I ordered a {$250.00} secured credit card to go to my address in order to boost my XXXX credit because of the FRAUD. I can't even get into my Federal Student Loan ( FAFSA ) account now, because the security questions have been changed. I believe if you research the bank account theft ( track back where the orders are being delivered ), the account information that does NOT apply to me on the Federal Application for Student Aid, and the address and contact information on the Auto Loan, HOME EQUITY LOAN and also for the XXXX Account, you will find that this was a conspiracy between XXXX, XXXX and XXXX XXXX to defraud me and thieve my identity. Please contact me anytime for further information. | ||||||
| 06/03/2020 | Yes |
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| I could not find the correct option this is as close as i could get. I had a credit card with Navy Federal and i tried to set up payment plans with them to pay down my debt. I called in XXXX to set up a payment plan was planning to have {$85.00} taken out of my account even 2 weeks to pay down the debt. I gave them confirmation of my account number was told it would come out automatically on and every Friday. the first pay date came and passed with no withdrawal i contacted them again and they stated the money attempted to come out but there was an issue with the account. But the rep even gave me and confirmed my account number before continuing. I called again and set up the payment plan and stated i want them to take it out automatically every 2 weeks. I do not have access to make a payment online so i have to call. They stated it will come out every 2 weeks. and confirmed my account number again. Tee payment did come out and i waited for the next payment to come out and it did not. I waited yet AGAIN to see what was the issue and noticed still no payment was withdrawn. I calle for the THIRD time to please have them withdraw the payment and make it an automatic withdrawal. I was told it would be. Now it has not been taken out for the past couple months. I keep receiving letters in the mail telling me to please set up a payment and also via email. Why is it that i have to call 3 times for the same issue and still not getting the money taken out. I am trying to make my payments and i was told by 3 different reps it would be set up automatically yet there is no money being taken out of my account. I am not trying to run from this and want to make sure its paid but no one there is willing to do what i asked. | ||||||
| 08/01/2018 | Yes |
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Web | Older American, Servicemember |
| I believe Navy Federal Credit Union has been charging me interest on late charges in addition to interest on the principal. I understand interest applies to the principal. I also believe the Credit Union has been reporting late charges and interest on late charges as part of my balance to the 4 credit reporting agencies. My personal loan matured in XX/XX/2018 and I made my last payment in XX/XX/2018, however my balance is over {$2000.00} and continues to grow each day. I believe the Credit Union is also using compounding on these fees which is increasing my balance each day. Although the Credit Union has provided my payment history the breakdown does not answer my question about interest on late charges and credit reporting of the same. The spreadsheet has 7 columns, all self-explanatory except a " P3 '' column that has no description. The line items are self-explanatory except " Late Fee Capitalization '' which I do not understand. As of this date the Credit Union has not answered my questions. As of this date I have not made any other payments since my XXXX payment. My loan matured in XXXX and I made what I thought was the last principal payment in XXXX. The late fee balance is increasing each day and is {$2000.00}. I have not made any other payments because I do not know what I'm paying for. These questions remain? 1 ) Have I been charged interest on late charges ; and, if so, the total amount of interest charged " on late charges, '' not principal, over the duration of the loan? 2 ) Has interest on late charges and late charges been reported in my loan balance to the credit reporting agencies? 3 ) Exactly what does my current balance represent? I do not know and that's why I am not paying. | ||||||
| 12/07/2023 | Yes |
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| I sent NAVY FEDERAL XXXX XXXX, XXXX a Security Registered mail for payment in the full amount of ( {$50000.00} ) NAVY FEDERAL XXXX XXXX, XXXX received the registered mail on XX/XX/2023 at XXXX XXXX. I instructed NAVY FEDERAL XXXX XXXX, XXXX to communicate only in writing. I have done 4 follow up calls since then to check on the status of the payment, after waiting 5 business days to make sure the registered mail was received the first person I spoke with was XXXX on XX/XX/2023 who confirmed that the registered mail was received & it was going through processing, I should get a update in 5 business days. Once the 5 business days past without receiving any response in writing from NAVY FEDERAL XXXX XXXX, XXXX I have done a second follow up call & spoke with XXXX on XX/XX/2023 he then confirmed that the payment was still going through processing, I also reminded XXXX to make sure all updates should be sent to me in writing. I checked my mailbox, email & etc but still haven't received any update on this matter. I called NAVY FEDERAL XXXX XXXX , XXXX & asked why haven't I received an update yet & they hung up on me mid sentence. Its been 12 business days and counting since NAVY FEDERAL XXXX XXXX, XXXX has been holding on to my securities without honoring or giving any updates in writing for their reason of non performance of fiduciary duty. I gave them full instructions in a letter in the registered mail notarized specifically if they do not honor my security to please send it back, I also reminded them of UCC 3-603 & UCC 3-604 & other codes, NAVY FEDERAL XXXX XXXX , XXXX is performing securities fraud by holding on to my securities & refusing to send it back to the lawful owner. Thank you Done in good faith. | ||||||
| 09/27/2023 | Yes |
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Web | Servicemember |
| In XXXX of XXXX my joint account holder sold items to a private entity that was agreed upon by buyer and my wife over multiple days and phone conversations, as well as XXXX. We have tracking information, text messages, and inventory list of items that were sent to buyer. When buyer received the items, she texted my wife calling her names and saying that she would contact her back about my wife scamming her. My wife ended communication with this woman. She reported to XXXX that she didnt make these transactions or reported that she did not receive any items. Apparently we still dont know. On Friday XX/XX/XXXX I attempted to use my debit card at the post office, and my card was declined. I called my credit union and was told that my account was frozen because I had been found to have engaged in fraudulent activity. I was told that I needed to close my account. My rent money was in the bank and scheduled through XXXX, I was unable to I had no place to send my rent payment. Luckily I was able to pull the money out, but with no bank account the rent was late and a XXXX late charge and returned check fee. I was never asked anything about this accusation prior to the freeze. They still have not responded to our many requests for clarification on what grounds they have to do this without notice. I sent in documentation as they requested. They were had 15 business days to respond to the appeal, which was completed and sent in on XX/XX/XXXX with supporting documentation. They have not responded. This has caused detrimental consequences to our lives and we want answers. We do NOT want to bank with them ever again! They should have protected us. At least asked us what the situation was. They threw us to the wolves, | ||||||
| 11/02/2022 | Yes |
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| I am a XXXX XXXX member and on XX/XX/XXXX I deposited XXXX checks totaling in the amount of {$45000.00} into my account on behalf of my friend/roommate The funds were made available Thursday XX/XX/XXXX I attempted to withdraw the funds on Saturday XX/XX/XXXX however the location did not have the funds on hand to give. Monday XX/XX/XXXX I called in to confirm if that same location had the funds and was informed that my accounts had been frozen. I was informed the reason is because my roommate has her own account at their institution and it looks suspicious that she didnt just deposit the checks herself & I have also been told that my account is under permanent restriction because of that and thats completely ridiculous. All of this was shared only after I tried to make a withdrawal, the bank provided no prior warning.As a loyal customer, my business should be valued at a higher standard than this, why do I feel like Im being treated like a criminal? The information I provided can be immediately verified. Both checks are valid. There is nothing fraudulent about this transaction and no laws have been broken. My roommate is not bank savvy so she asked me to do the transaction. I should not even have to explain that when no laws have been broken. We were depending on that money to pay our expenses. I was told we have to wait 5 business days until the investigation is completed. By that time my rent will be late. Ive already had to borrow money for food for the last XXXX nights. This is an outrage and the bank does not seem to care. I have even provided them with a signed statement from my roommate with her ID as well as a copy of both checks. Please advise me on next steps. I can be reached at XXXX XXXX XXXX | ||||||
| 10/17/2021 | Yes |
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| On Thursday, XX/XX/2021 I had an issue where I could not access my checking account transactions online or through the mobile app. I was able to log in and reveiew transactions for all of my connected accounts except for my account ending in XXXX. On Friday, XX/XX/XXXX, I sent a message throught the mobile app inquiring about what I was experiencing. I explained that I wasn't only experiencing this through the mobile app, but also when I logged in online. I sent screenshots of what I was experiencing. On Saturday, XX/XX/2021 I received the following repsonse : " Thank you for using Navy Federal 's eMessaging Service, XXXX XXXX. Navy Federal Online Banking is designed to reflect up to a certain number of transactional entries. For most members, this limit is sufficient to cover all transactions that are completed ; however, you exceeded the allowable data limit that can be reflected within Online Banking. You will be able to see your transactions again once your statement is generated unless the data limit is exceeded again. The Available Balance listed on the main screen is correct. If you have further questions, please let us know. '' I then responded on Sunday, XX/XX/2021 that should be no way that I should not be able to review any of my transactions prior to the statement date and that I have never heard of such a thing as Navy Federal is the only financial institution that I have experienced such a thing with. Whomever responded then stated that Navy has designed their system to only reflect up to a certain number of transactions within a statement cycle and to them this is sufficient for most members. Navy Federal doesn't mention this in any of their member documents or account policy documents. | ||||||
| 07/10/2019 | Yes |
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| I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Navy Federal is reporting an alleged Inquiry for date of service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not. | ||||||
| 02/11/2023 | Yes |
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Web | Older American, Servicemember |
| Around XX/XX/XXXX we filed a dispute with Mattress Firm via Navy Federa Credit Union Mastercard. The dispute was regarding a defective Tempurpedic queen size mattress which the specifications were 58x78 inches instead of 60x80 inches. Also, included in that dispute was a restocking fee for {$540.00} in which were were disputing because we were not informed of this restocking fee or any information about their return policy. We were given the run around with Navy Federal regarding this dispute. The Navy Federal employees were communicating different information to us as we had several phone calls that last over 2 hours basically on each phone call.. When Navy Federal first submmited the dispute that left out the information regarding the mattress was defective because it was not in compliance with standard queen size bed. It's noted that on XXXX and XXXX XXXX the speciafications of the queen size bed. They ruled in XXXX XXXX favor because when they submitted the dispute the first time they left out was the critical information of the defective mattress. Navy Federal only considered the restocking fee and not the defective mattress. Its my undertanding the a company can not charged a illegal restocking fee if merchantise is defective or not as decrijbed. We also had to sign under duress for the mattress to be picked up with a notation of the restocking fee. We feel Navy Federal is not compiling with the regulations of Mastercard code 4853 dispute code and failed to providing protection for us as a consumer. Navy Federal phone # is XXXX XXXX. Also, we were not informed about the outcome or no communication until we inquired on XX/XX/XXXX. We paid off the credit card and closed the account on XX/XX/XXXX. | ||||||
| 11/19/2015 | Yes |
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| In XXXX I opened a new credit card with Navy Federal Credit Union. The card had a promotional rate of 0 % for balance transfers for 15 months. Once I opened the account I decided to use the card for all of my purchases in addition to the {$9700.00} balance I transferred in. I called customer service and inquired as to how payments were applied to balances and how interest was charged. I was told, in XXXX, that if my purchase balance was paid in full each month by the due date, I would not incur any interest charges-regardless of the promotional balance because the promotional balance had a 0 % interest. For the last two months I have been changed interest by the credit card company, even though I pay off my entire purchase balance each month ( and then some to bring down the balance transfers XXXX. When I challenged the company this past month, they explained to me that even though their " statement disclosure '' states that " We will not charge you interest on purchases if you pay your entire balance by the due date each month, '' they claim that they calculate interest using the " average daily balance '' which takes into account the balance transfer ( even though the balance transfer has a promotional rate of 0 % ). The terms of their agreement are deceptive and I believe how they are charge/calculate interest is deceptive and intended to confuse customers in an attempt to charge interest on promotional balance transfers that are allegedly 0 %. Their own customer service staff were perplexed why I was being charged interest and were largely unable to explain how I was being charged interest when the purchase balance was paid, in full, each month and the promotional balance transfer rate was 0 %. | ||||||
| 09/27/2023 | Yes |
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| To whom it may concern : I was a victim of fraud by someone that was claiming to offer me a job. I was furloughed from my job on XX/XX/2022. While looking for employment, I was sent an interview request by XXXX XXXX XXXX ( attached ). I was emailed the job details ( attached ) prior to the interview. I interviewed ( I am not 100 % positive of her name ) I believe XXXX, via zoom call on XX/XX/2022. I spoke with her at the zoom phone number ( XXXX ) XXXX. I went through an interview process with this young lady and had a 2nd interview with a gentleman. After the call was completed, I was sent a job offer ( attached ). On XX/XX/2022, @ XXXX XXXX EST, I sent the signed offer letter, XXXX XXXX , and a direct deposit slip. ( attached ) On Monday, XX/XX/2022, I sign on to training. It was a few people on the call. Getting to people and benefits and things. Right before we took a lunch break, they asked us to send money for our equipment. That is when I logged off because something was wrong. Until yesterday when I received an email concerning my appeal, did I even realize that this is what could have happened? I Googled the XXXX scam and sure enough, I was scammed. ( Article attached ) Today, I went to the Credit Union and explained to them what I thought occurred. I was advised to send in documentation of the events. I have several documents to send to verify these accounts. Also, after I closed the account the money was taken. I opened a brand new account and two days later there was two more {$5000.00} request on the new account. I don't know if this is someone who works for the NFCU however it is highly suspicious. Please let me know how I should proceed from here. Kind regards, XXXX XXXX | ||||||
| 12/19/2023 | Yes |
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| Navy Federal Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX blatantly infringe upon federal regulations, as stipulated by multiple statutes. Primarily, 15 USC 1681a mandates precise consumer information reporting. In this instance, the reported accounts fail to meet this standard, constituting a clear violation. Furthermore, the absence of a clear and conspicuous opt-out mechanism, mandated by 16 CFR 313, points to non-compliance, reinforcing the violation claim. Additionally, violations of 15 USC 6802 and 15 USC 6803 are glaring due to the absence of clear consent for information sharing, directly violating privacy standards. The violation of 15 USC 1681b underscores a failure to adhere to permissible purpose requirements, further supporting the factual claims. Moreover, the reported accounts allegedly breach IRS Pub 4681 and 5 USC 5528, as discharged debt is purportedly not reported as income, infringing upon tax and disclosure obligations. These violations encompass not only the illegal reporting of transactions but also the sharing of consumer non-public information with non-affiliates, actions explicitly deemed unlawful. The solid foundation for these claims is deeply rooted in the Fair Credit Reporting Act ( 15 USC 1681a, 15 USC 1681b ), Code of Federal Regulations ( 16 CFR 313 ), and pertinent statutes ( 15 USC 6802, 15 USC 6803, IRS Pub 4681, and 5 USC 5528 ). These factual assertions demand immediate corrective action, including account rectification and compliance with the stipulated laws. Failure to address these violations may lead to legal consequences, as substantiated by the extensive legal framework governing such matters. | ||||||
| 09/05/2023 | Yes |
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| On XX/XX/XXXX, XXXX XXXX XXXX issued check # XXXX to XXXX XXXX for " XXXX '' written as " XXXX & XXXX/XXXX '' for an employee bonus, with the check being written from my business checking account. On XX/XX/XXXX, when my accountant was closing out my books in preparation for the XXXX Tax season, and noticed funds did not add up. After reviewing all checks, it was found that check # XXXX issues to XXXX XXXX had been altered by {$900.00}. I reached out to my bank, XXXX XXXX at XXXX Settlers XXXX XXXX, XXXX, VA XXXX, and asked for a copy of the deposit for the check and found that the amount on check # XXXX was changed to " XXXX '' and the written amount was changed to " XXXX XXXX & XXXX/XXXX ''. The check was deposited through " edeposits '' with Navy Federal Credit Union at XXXX, XXXX XXXX, XXXX VA XXXX on XX/XX/XXXXXXXX at XXXX. The deposit slip has the employees written name on the back of the check and his signature below it. My bank told me to " Here you go! I would suggest you file a police report or check with Navy Fed '', so I filed a police report sometime around XXXX of XXXX when I had time to catch up on all administrative tasks I was behind on. I am still waiting to hear back from the police report. On XX/XX/XXXX, I contacted Navy Federal Credit Union 's customer service, explained the situation, and was told my bank needed to issue a " hold harmless '' letter to Navy Federal for them to be willing to investigate it. It appears like this is something my bank may not be willing to do, and without it, Navy Federal said they can not look into it. I have copies of the check deposited, the carbon copy, the police report, the emails, and proof he altered it and signed/deposited it. | ||||||
| 03/21/2017 | Yes |
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| 1. PROCESSOR FAILED TO COMMUNICATE EFFECTIVELY AND IN A TIMELY FASHION WITH THE MEMBER 2. PROCESSOR FAILED TO OFFER BETTER OPTIONS/PRODUCTS FOR THE MEMBERS NEEDS AND FINANCIAL SITUATION 3. PROCESSOR FAILED TO PROCESS MEMBERS REFINANCE IN A TIMELY FASHION - ALLOWED RATE GUARANTEE TO EXPIRE 4. PROCESSOR FAILED TO PROVIDE CUSTOMER SERVICE AND REQUIRED MEMBER TO REDO NUMEROUS ITEMS BECAUSE FILE NOT HANDLED PROPERLY 5. PROCESSOR FAILED TO CLOSE REFINANCE ( STARTED XXXX 2016 AS CONVENTIONAL REFI - CHANGED IN XXXX 2016 TO FHA REFI AFTER PROBLEMS/COMPLAINANTS - AFTER COMPLAINTS RECEIVED AN EXTENTION OF THE LOCKED IN RATE AND WAS TOLD THAT MINIMAL MONIES WOULD BE OWED FOR CLOSING DUE TO PREMIUM PRICEING ( CONFIRMED IN XXXX 2016 ) - TO DATE STILL NO CLOSING 6. PROCESSOR FAILED TO USE APPROPRIATE DEMEANOR WHILE CONVERSING WITH MEMBER AND PORTRAYED A NEGATIVE ATTITUDE AND FORCEFUL/THREATENING PERSONA THAT WAS NOT HELPFUL AND DID NOT PROVIDE OPTIONS, BUT RATHER HAD A TAKE IT OR LEAVE IT ATTITUDE 7. PROCESSOR HAS CAUSED MEMBER FINANCIAL HARDSHIP DUE TO THE DELAY IN CLOSING - ( REFI WILL SAVE MEMBER SUBSTANTIAL MONEY ) WE ARE EXTREMELY FRUSTRATED AND HAVE COMPLAINED TO THE PROCESSOR, AND AT OUR LOCAL BRANCH WHERE WE ORIGINALLY FINANCED OUR HOME, REGARDING OUR UNHAPPINESS WITH THIS PROCESS AND THE BANKS FAILURE TO CLOSE THE REFINANCE OF OUR HOME THE RATE SHOULD BE LOCKED IN AT 3.75 % ( FHA ) - WITH PREMIUM PRICING THAT WOULD PAY XXXX POINTS ( MOST IF NOT ALL OF THE CLOSING COSTS ) AS PROMISED - ON A {$230000.00} LOAN - PAYMENTS WOULD BE APPROXIMATELY {$1600.00} UNTIL NOW WE DID NOT KNOW AN APROPRIATE VENUE TO FILE OUR COMPLAINT - A FRIEND TOLD US ABOUT THE CFPB AND THAT IS WHY WE ARE JUST KNOW FILING THIS ISSUE. | ||||||
| 12/12/2023 | Yes |
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| I was incarcerated from XX/XX/2023 to XX/XX/2023 at XXXX XXXX XXXX XXXX. When I was arrested Police took my property including my debit card ending in XXXX and my cell phones and credit card. I was incarcerated the entire time pending trial. When released I checked my account and noticed I was missing XXXX due to someone using my debit card for the purposes of buying clothes and miscellaneous items online. When I noticed this I contacted XXXX XXXX who told me to put in a dispute which I did. I was denied but the agent told me that they didn't see my documents which included my property list and incarceration documents. So they told me to resubmit and add those documents which I have. I will attach the documents including the transactions. I am needing those funds reimbursed to me because since that it has put a heavy Hardship on me financially especially being I was just released from incarceration it hasn't been easy, and dealing with this has put a burden on my capabilities. Below are the following laws that should be adhered to and abided by in situations as such Electronic Fund Transfer Act ( EFTA ) : In the U.S., the EFTA provides consumers with certain rights, including protections against unauthorized electronic fund transfers. If a customer reports unauthorized transactions promptly, their liability for such transactions is limited. Regulation E : Under Regulation E, which implements the EFTA, banks are required to investigate and resolve errors related to electronic fund transfers, including cases of unauthorized transactions. Consumers typically have a limited time to report such errors. I reported this incident and I just want my funds returned to me. Ive done everything on my end | ||||||
| 01/14/2022 | Yes |
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| On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with NAVY FEDERAL CREDIT UNION. The line of credit I have with NAVY FEDERAL CREDIT UNION is characterized as utilization on my consumer reports. NAVY FEDERAL CREDIT UNION IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : NAVY FEDERAL CREDIT UNION credit card, NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( NAVY FEDERAL CREDIT UNION ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( NAVY FEDERAL CREDIT UNION ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! NAVY FEDERAL CREDIT UNION HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to NAVY FEDERAL CREDIT UNION expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX | ||||||
| 09/06/2022 | Yes |
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| On XXXX XXXX, NFCU took out money from our joint account without authorization. When asked what happened, it was in regards to an credit card that was charged off that we didnt get any notifications of pertaining to it being charged of. So upon calling to settle. We agreed to settling the amount but instead of returning the full XXXX that they took off they only returned a portion and kept XXXX. We were given no choice but to agree even if we explained the hardship. This didnt end here. On XX/XX/2022. Once again they took money from our joint account without any authorization or notification. They took out XXXX. And left us with absolutely nothing. We begged them and pleaded for them to give back our money, as this was for our mortgage payment. After settling the second charge off for another credit card, once again they decided to only return half which is XXXX of the XXXX. They had no remorse on doing so, but instead questioned us on our activities in the accountwhich now got very personal. After explaining confidential information for them to consider returning money they they werent authorized to take since there were no notifications or warnings pertaining to these charged off credit cards, they pretty much told us we have no choice but to agree with the settlement. There were no negotiations. Only their side was considered and not our circumstances. The manager even stated that we should be thanking them for even giving back half. These were my debts. And the account was under my spouse but when I acquired these debts we werent married yet. And now shes suffering because navy fed is neglecting to follow the rules of communicating properly and doing unauthorized adjustments on our account | ||||||
| 06/23/2022 | Yes |
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Web | Servicemember |
| My father XXXX XXXX XXXX died XX/XX/2021 his account was compromised by several individuals. My fathers debit cards, credit cards were obtained and his entire account was cleared out. Lines of credit were taken out, credit card balance transfers were also done. My brother XXXX XXXX and I are the only next to kin. I had my brother appointed Executor of my fathers estate. We told Navy Federal that our estate didnt authorize any changes or charges that took place with my fathers account. A Estate account was set up in my fathers name through Navy Federal, despite the identity theft done on the account Navy Federal never changed the account number to stop to fraud when we went into the branch and set up an Estate account. Navy Federal only changed the name of my fathers account to the Estate of XXXX XXXX XXXX My father also has mortgages with Navy Federal and the company is aware that the address was changed to a location in Georgia . We have told Navy Federal several times our Estate didn't authorize any changes or payments. Navy Federal did nothing to correct this, instead the company lied saying my father had multiple loan balances that were obtained after he died. When we went inside of Navy Federal last year we weren't given all of his statements despite them being provided with all the documentation. After the money was taken out of the account, this individual would call and make third party payments on the mortgage. Our Estate did not authorize a transfer of XXXX that was the remaining in the checking account to be transferred to the credit card account that had also been compromised for months. Navy Federal needs to do a full investigation and go after XXXX XXXX, XXXX XXXX and XXXX XXXX. | ||||||
| 01/04/2019 | Yes |
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| I'm beyond frustrated at Navy Federal!! I keep getting fees on top of fees. I'm making deposits and then charged NSF Fees and then when debit card purchases come through which if the funds were not in my account in the first placed would be declined. But when they clear my account I'm then charged overdraft fees. I was told on XX/XX/XXXX a debit card purchase for {$3.00} caused my account to become negative, but this is only after I was charged two {$29.00} NSF Fees at the time I used my debit card {$3.00} was available in my account. This same issue happened on XX/XX/XXXX when a debit card transaction cleared my account on XX/XX/XXXX for {$59.00} but I was not charged an overdraft fee of {$29.00}. It is absolutely ridiculous to charge me NSF fees and Overdraft fees at the same time once debit card purchases ( funds are in my account or purchase would be declined ) post to my account. Spoke to XXXX the supervisor on XX/XX/XXXX and she could not tell my why I was charged {$29.00} in once instance and not the other. It's infuriating when the financial institution you bank with can't even inform you when you are or are not assessed fees. In addition to this madness I was told XXXX was submitting the {$15.00} payment again through my account on XX/XX/XXXX ( can't see it and was told by XXXX that they do not submit ACH Payments twice, yeah ok ) I was told by XXXX to make deposit ( done at XXXX XXXX on XX/XX/XXXX while on the phone with XXXX ) and call between XXXX - XXXX on XX/XX/XXXX to have transaction processed for payment only to be told by XXXX the supervisor that it is only a process that can occur if the error is on Navy Federal and between the hours of XXXX - XXXX ( deposit made at XXXX ). | ||||||
| 08/19/2015 | Yes |
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Web | Servicemember |
| I am a single mother of XXXX and of a military son. I had planned on buying a home, and now I ca n't because I am out {$4000.00} due to fraudulent activity. On XXXX XXXX, 2015 I was in the process of closing on a house. I was working with my realtor through email and phone during this process. It ended up that I wired my escrow money of {$4000.00} to a fraudulent account. The following is a detailed account of what happened. On XXXX XXXX, I worked with my realtor to sign the bidding paperwork for XXXX XXXX XXXX property in XXXX, VA. The next morning, I received a congratulatory email saying that the seller agreed to the bid and I will receive an email with the instructions for escrow and other documents. Later that morning, I did receive instructions and called my bank to proceed with the wire transfer. My realtor called shortly after to discuss me signing additional paperwork, then called again later in the afternoon to talk about escrow monies. I told him that I had already wired the money according to his instructions. He said that he never sent me anything today, and to stop and call my bank to stop payment. I did call my bank, and the bank where the money was being wired to, and neither party would freeze or hold the money to investigate!! My bank would n't do ANYTHING until I filled out a form, which, when I initially called to complain, no one, told me about any form, until my bank manager the following day mentioned it. I was told to make a police report, which I did. I NEVER, got ANY response from the local police to even say it was out of their jurisdiction. I feel really helpless in this situation. My realtor 's email was hacked! I want my money returned!!! That 's it! | ||||||
| 12/15/2015 | Yes |
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Web | Servicemember |
| After applying for a job online, I received a cashier 's check on XXXX XXXX, 2015, for the amount of {$1900.00} with an offer via text for a job position as a XXXX. The stated reason this check was sent to me was to cover errands and complete some tasks as his personal assistant. Before cashing the check, me and my husband were suspicious, so we went to Navy Federal Credit Union to verify the check was real. I was helped by one of their representatives whom I asked " when the check would be clear '' the representative responded " Within a day. You should have it by tomorrow. '' They assured me the check would be cleared by the next day, meaning within XXXX hours. Based on these assurances from Navy Federal, I followed further instructions from my supposed new employer to send XXXX wire transfers for {$800.00} and {$900.00} to XXXX, TX. A week later, Navy Federal removed the {$1900.00} and said that it actually takes up to 30 days for a check to clear. The check in fact did not clear after the funds had already been made available, and now my account is delinquent {$900.00}. Thankfully {$800.00} was held by XXXX XXXX and was able to be recovered. The manager repeatedly apologized saying they need to increase training of their staff to avoid this sort of " miscommunication. '' I hold Navy Federal as an accomplice to crediting a fake check under their stated position while still pursuing me for an illegitimate debt where the funds were and then were not available under my name. I have filed police reports and saved all documentation of the fraud committed upon me. Regardless, none of this would have happened had Navy Federal not misinformed me as to the status of the initial cashier 's check. | ||||||
| 11/16/2021 | Yes |
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| I was looking for a home to rent in my area. I came across something in my price range and reached out to the " owner '' of the home. We spoke over email and text messages. They sent me an application, I filled it out and returned it to them. They approved my application and we spoke more. I went and looked over the home, people living there. I didn't think much of it. The " owner '' then requested I pay a deposit, I did that through my bank as a transfer. They received it and requested I pay first months rent before sending me everything that I need to move in. I politely declined. Then realized after I had sent the initial {$990.00} that it was a scam. I sent them the {$990.00} on XX/XX/2021. I went to my bank immediately on XX/XX/2021 to file some sort of report and try to get my money back. I went directly to a Navy Federal Credit Union branch, whom I've had an account with for almost 10 years. They filed a Fraud Dispute and gave me the paper work. I received the money back into my account on XX/XX/2021. I was under the assumption things were good to go. I then received a letter stating my dispute was denied and I am now responsible for the {$990.00}. A Navy Federal employee that I spoke with after I received the denial letter said that there was nothing they can do for their members that have been scammed. There is no protection for members in this. The scammers will win every single time. Which is extremely unfortunate. I never made a police report due to going directly to my local branch and they taking care of it. I was never advised to make a police report either. It's been a whole month and the scammer has moved on. There is nothing that can be done for myself or any other member. | ||||||
| 04/02/2020 | Yes |
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| This case is a follow-up to Complaint ID : XXXX, where the full complaint details are attached within the PDF files below. When calling Navy Federal Credit Union looking for a resolution, they were unable to address the concerns I had with their company and the reasons why they breached my security ... nor did they resolve my issue regarding communication directly. Instead after breaching my security, by letting the Co-Guardians submit papers via fax, Navy Federal Credit Union allowed the Co-Guardians to re-release held with funds from my accounts or assets at the time, and re-write the beneficiary to the Co-Guardians themselves. As discussed, in the previous complaint against Navy Federal Credit Union, the Federal Credit Union handled the matter internally, but did not communicate with me ... the former account-holder about the circumstances. I may be unable to contact the credit union based on unethical standards performed in the transaction of {$1800.00}, based on their policies ... but I have attached an authorization to release information form ... which should be routed to an appropriate party. As Navy Federal Credit Union is unwilling to share more information with me, and the Co-Guardians deposited the funds into a separate account, legally and specifically blocked to my access ... I would ask this secondary complaint to be submitted to them. In addition, since there may have been financial theft or losses, by the credit union regarding my assets or membership, which seems improper to me ... and/or other parties, I am attaching the Authorization To Release Information, signed by me to overturn their unethical decisions and release information to the appropriate attorney. | ||||||
| 10/06/2022 | Yes |
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| On XX/XX/27 two wire transfers were made to my account, for my job. I had just started this job with The XXXX XXXX XXXX, who I believed to be a financial firm who works with cryptocurrency. They instructed me to pull the funds from my account and purchase bitcoin at a bitcoin atm for the client. I did so, then a few days later, they reversed the wires. At this time, I contacted the company and asked what was happening, they stopped answering my calls and emails and at this point I realized I had been scammed. Now, what I am filing a complaint about is with XXXX XXXX. I have been a client with them for almost a decade and have always been in good standing with them. When I talk to them, they treat me like I had a hand in this, have implied that I am not smart for even taking a " job '' such as that, and have basically told me I am screwed and that I " spent '' the money myself. As well as now being labeled a risky client to them. ALL of my funds have been placed on hold, to repay the person who reversed the wire transfer, which was clearly the persons plan all along after receiving the XXXX. With no resolution date and even a guarantee that my money would be released. I have now had to completely uproot my business with XXXX XXXX and find another financial institution. Which I did not want to do. The amount of money that was in my account prior to the wire transfer is all I wanted to be released back to me. One account had XXXX in it, the other had XXXX. They are basically siding with these other people instead of their client, putting me and my family in a bind unnecessarily. I would like there to be some kind of reason as to why I am the one responsible to pay these fraudulent wires back. | ||||||
| 12/08/2023 | Yes |
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| On XX/XX/XXXX my account was compromised. Someone deposited fraudulent checks into my account totaling {$4200.00}. This amount was deposited into my checking ( {$2200.00} ) and savings ( {$2000.00} ) Someone also added themselves to my account via member-to-member and took an additional {$1000.00}. I contacted my bank ( Navy Federal ) about this and spoke with a representative and they assured me that this matter will be investigated. I received a letter around three days later saying that they investigated it and they found that no fraud occurred. The letter they sent me was dated XXXX, a day after I initiated my claim. I feel like if a true investigation was conducted, it would take more than a day. The representative I talked to said it would take 10-45 days. I called them back and talked with another representative and was told again that the investigation would take 10-45 days to complete. I again received a letter in the mail dated the day after my second call to them. They also sent me a copy of the checks and you can clearly see that these checks are fraudulent and the signature is not mine. These checks are for the same amount ( XXXX ). Whoever got access to my account deposited the same check multiple times. Once the money was available in my account, the fraudster then withdrew the money from the fraudulent checks into another account. It looks like an XXXX account. Then took my actual money ( {$1000.00} ) via member-to-member. I informed my bank that I did not know this person and I don't know how they got access to my information. Hopefully CFPB can help me resolve this matter so that I can get back the money that was stolen from me and put my account back in the positive. | ||||||
| 11/10/2017 | Yes |
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| I have been a member of navy federal for over 20 years and when a filed a fraud claim on my checking account last month, navy federal blocked my online access to ALL my accounts without even notifying me. I ca n't pay my bills because I ca n't transfer money online. When I complained repeatedly on social media I was just told to call and then my complaints were IGNORED. Completely unacceptable!! When I did call, I was victimized again by some woman with horrible English who said my checking account had to be closed and a new one opened. I 've had the same checking account number the entire time I 've been a member and I have it memorized. If the account needed to be closed and another one reopened why was n't that already done when I filed the fraud claim??? The rest of my accounts should NOT be blocked online though. I have no idea what 's happened to navy federal 's customer service but it 's definitely gotten a lot worse in the last several years. I 'm still waiting for the {$110.00} to be returned that they stole from me when I filed another fraud claim on my credit card in XX/XX/2016. Navy federal seems to be on the side of the identity thieves and not their longtime members. They have my money held hostage and I need access given back to me online IMMEDIATELY so I can pay my bills. I 'm seriously considering closing all my accounts and taking my business to another bank where my business will be valued. Clearly customer service, member loyalty and service to the country mean absolutely nothing to navy federal and they should not be responsible for other people 's money. I 'm tired of being IGNORED and having my money stolen from the institution that is supposed to be protecting it! | ||||||
| 10/19/2021 | Yes |
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| I received a notice that I allegedly owe {$1000.00} in credit card debt to Navy Federal Credit Union. I messaged the company stating that I am the original creditor and will and do not own any alleged debt. I told the company I will not pay towards a positive balance they claim I owe. The company responded that my account will be closing on XX/XX/XXXX as a result of monthly XXXX soft inquiries and that I " no longer meet the requirements '' to keep my account open due to the inquiries from XXXX. I have not provided Navy federal with any written or verbal permission to share information with anyone pertaining to any of my information. According to XXXX, XXXX, XXXX, and XXXX, Navy Federal Credit Union has shared my personal information will all of them. The debt is not validated. The company has violated my consumer rights pursuant to 15 USC 1692c ( a ), I have not given the company to communicate with me in connection with any debt. Pursuant to 15 USC 1692c ( b ) the company violated my consumer right by communicating with XXXX, XXXX, XXXX, and has communicated with XXXX on a month basis since the account was opened in XXXX. The company has used criminal means to harm my reputation as a consumer pursuant to 15 USC 1692d ( 1 ). The company uses a false and misleading amount, the alleged debt is in a positive amount pursuant to 15 USC 1692e ( 2 ) ( A ). How can someone owe in a positive amount? The company is in violation of collecting any amount unless permitted by law pursuant to 15 USC 1692f ( 1 ). Pursuant to 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. | ||||||
| 06/06/2017 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union has made unauthorized transactions from m y Checking and Savings account since XXXX XXXX of last year. The funds were sent to a closed credit card account ( it has been closed since XXXX XXXX ) a nd the following unauthorized transactions were posted to my account : XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - {$170.00} XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - {$100.00} XXXX XXXX XXXX - {$54.00} XXXX XXXX XXXX - {$510.00} ( sent to consolidation loan ) Both mentioned accounts are being negotiated by XXXX XXXX XXXX XXXX on my behalf. Power of Attorneys were sent to NFCU regarding the accounts, and they are fully aware. I have spoken with NFCU on several different occasions and unauthorized transactions have continued. Each representative I have spoken with all gave me the run around and proceeded to tell me they have the " authorization '' to pull available funds from my accounts if accounts become delinquent. How I have been with Navy Federal for 8+ year s and I have never encountered this issue nor have I read or signed any loan agreement consisting of this unlawful practice. I have gone into a branch located here in XXXX XXXX and a representative told me there was nothing she could do. I have exhausted all measures and this issue remains unresolved. The money stolen from my account has caused me to fall behind on other due bills. Due to these reasons, I strongly advise any business or consumer to not conduct any business of any kind with Navy Federal Credit Union. | ||||||
| 06/07/2021 | Yes |
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| XX/XX/2021 I and family were battling XXXX. My caretaker was not instructed to call Navy Federal to defer payments. Neither did she use my sickness to garner sympathy. What she did was paid everyone of my bills. When she paid my credit card with a outside XXXX XXXX it was accepted. When she paid my consolidated loan XXXX XXXX rejected it because of a stop payment to the loan account I had requested 1 year prior. A stop payment that should not have still been in place 1 year later. Navy federal notified that payment wasnt received, instead of notifying payment was rejected so my caretaker can make an accurate adjustment. She just made the payment again using the same account so 2nd attempt is rejected as well. Navy federal didnt assist me how they assist others during the COVID 19 pandemic. Others who dont have money are afforded the opportunity to get deferred, the payment gets put on the back of loan and there credit is restored. They do not tell the credit bureaus that payment is late, better yet the payment history is masked. Navy federal never tells a borrower with no money issues that its against the law to mask a report. They just do it. But for me during my XXXX XXXX XXXX they said its against the law to help me. They accused me of asking them to alter a report. So is it fair to say Navy Federal is altering reports for some and not all Navy federal consumers.?? What makes me different? I was XXXX and although I didnt need money I needed help during that time. Navy federal has said I have their sympathy but nothing further. Now my account with excellent payment history is in shambles. Stop payment isnt a insufficient funds or closed account so why treat it with the same severity? | ||||||
| 05/16/2019 | Yes |
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Web | Servicemember |
| We went to closing on XX/XX/XXXX paying off both Navy Federal Credit Union and NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . and XXXX XXXX XXXX. NFCU did not give us an payoff from NFCU itself instead NFCU had their attorney/collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . send the payoff that was confirmed XX/XX/XXXX by XXXX XXXX was the wrong payoff. After our complaint to your office NFCU and their attorney/collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . refused to send the correct payoff and was trying to destroy closing once again with their unethical and unlawful actions so we were advised to payoff full amount under protest. emails will confirm Enclosed are the emails from settlement company making full confirmation both NFCU and Beneficial were paid in full the amounts as Navy Federal Credit Union and NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXXXXXX . and XXXX XXXX XXXX required in their payoff notices/documentation to settlement company. We are still receiving harassing calls from NFCU and XXXX XXXX XXXX. NFCU informed us that they have the right to call because NFCU have not received payoff. Enclosed are emails XX/XX/XXXX from NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . stating on XX/XX/XXXX. Please see emails XX/XX/XXXX of settlement company confirming both wired payoffs for both XXXX XXXX XXXX. Both NFCU and XXXX XXXX XXXX are destroying our credit and is refusing to report to all the credit bureaus that both mortgage loans are paid off in full. We want Both XXXX XXXX XXXX to report both loans as payoffs in full and remove all damaging information destroying our credit reports. | ||||||
| 09/25/2017 | Yes |
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| I have filed complaints with XXXX XXXX XXXX and XXXX against Navy Federal Credit Union regarding numerous misapplied payments and payments taken from the wrong account than what was given to the member service representatives. I tried to file another complaint with XXXX XXXX XXXX however they close it as a duplicate complaint even though it is not just a duplicate complaint it is an ongoing and reoccurring issue with XXXX. I would like someone else to address my issues. They are reporting incorrect information to the 3 major Credit Bureaus after I was told by their legal department that I did n't have to make a payment until the complaints were finished however that too was a lie on XXXX behalf. Access # with NFCU XXXX. After Numerous attempts to get the incorrect reporting resolved on all three credit reports XXXX XXXX does nothing to fix these issues just closes the dispute saying the information is correct. Their legal department advised me not to make a payment while prior investigations we going on however XXXX XXXX said that they do n't record calls in that department for legal reasons and that they have no record of say such XXXX XXXX XXXX was the party spoken to XXXX. They probably do n't record them to cover up their corruption. All three credit cards with XXXX XXXX need to have their slate wiped clean for all the misapplied payments and errors that XXXX XXXX has created. They also tried withdrawing funds from the wrong account to clear the negative amount on my checking account now they froze the account to where I ca n't do anything online even view statements or make payments on existing credit cards. I can only due that over the phone in which they charge me fees to do. | ||||||
| 09/11/2020 | Yes |
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Web | Servicemember |
| This is what happened recently dated XX/XX/2020 and About to Travel XX/XX/XXXX to XXXX California ..I am a military who is about to do a final military travel move back home. Every time a military move there is a travel pay money given by the military DFAS to help the family movement allowance to another state .. So to make the story short ..DFAS deposited my travel allowance into my old navy federal account that I never use for 4 years..I have a credit card with navy federal.. In order to pay all my credit cards and other debt I went into a program debt consolidation -National Debt Relief Program ... Navy federal credit cards are enrolled in that program ..Since I went into that program navy federal freeze me using my account but it is open account ..I tried closing but they said cant do it coz I still have a debt to pay with them ..I can only close my account when everything paid off. Navy Federal applied that deposited money to pay some of my credit card as a charge for not paying them ..They know already I was enrolled into a debt consolidation -National Debt Relief Program .They just touch that travel money with out informing me or any acknowledgement from them like hey there is a money deposited by dfas to us bla bla bla!!! So when I learned that dfas deposited my travel money with the amount XXXX to my old account navy federal bank and its been deposited for a couple of weeks ..I contacted navy federal.. I talked to one of customer service team and said I cant get that money back and that money was use to charge against my credit card.. So is there a way I can still get that money back because that money is for family travel allowance not for a credit card.. v/r jg | ||||||
| 07/15/2016 | Yes |
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Web | Older American, Servicemember |
| Applied for 5/5 ARM ( refinance ) with Navy Federal Credit Union on XXXX/XXXX/2016. As of this date, I am still waiting on an " Appraisal '' to be completed and getting the " Approval Letter. '' Initially my Loan started as a VA refinance but I quickly changed to 5/5 ARM within 5 days of XXXX/XXXX/2016 because of better Interest Rate. My Assigned Navy Federal " Loan Processor '' in XXXX, XXXX had no knowledge of XXXX Laws regarding ARM refinancing. I was then reassigned another " Loan Processor '' on XXXX/XXXX/2016 and an Appraisal was ordered on XXXX/XXXX/2016 but NOTHING has happened with this Appraisal as of today 's date of XXXX/XXXX/2016. Still NO " Appraisal '' has been started let alone completed. I am still waiting on some REQUIRED " Disclosures '' that still have not been sent to me, namely the Credit Report findings DESPITE the fact Navy Federal Credit Union pulled another Credit Report from TransUnion over 2 weeks ago. I was told that I have excellent FICO Credit Scores averaging XXXX between my wife and myself. Navy Federal Credit Union " Loan Processing Center '' in XXXX, XXXX in my opinion LACKS the proper training of Loan Processors and they DO NOT follow Federal Laws on " Disclosures. '' Bottom Line, I am now 6 Weeks into the Loan Processing and STILL NO " Appraisal '' has been done on my Property. Navy Federal Credit Union may be DELIBERATELY delaying the processing of my 5/5 ARM " Loan '' refinancing so that they can get an ADDITIONAL fee past the initial 60-day rate lock. Navy Federal Credit Union " Mortgage Processing Center '' needs to be investigated for purposely delaying process of my Mortgage " refinance '' loan. Please HELP. My LOAN Number is XXXX | ||||||
| 02/27/2016 | Yes |
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Web | Servicemember |
| I sent multiple faxes and called over 25 times to Navy Federal to dispute IR/Late Payment charges ( on a frozen account due to formal open complaint with CFPB ), repair request with credit bureaus and re-activation of my credit card. This whole process started way back on XXXX/XXXX/XXXX and I have had to escalate and talk to several different departments, but that did n't resolve the issue for months. I was n't getting resolution so I filed a complaint with NCUA ( National Credit Union Association ) they do n't handle this type of dispute. So they forwarded my case to the CFPB during that time Navy Federal did credit my account, but has not fixed the mistakes on my credit report and closed XXXX credit card accounts. I received a letter on XXXX XXXX, XXXX from a different underwriting department stating the account was closed due to in-activity. There has been no activity because the account is frozen until the open CFPB disputes are resolved. After crediting those accounts they 're still not open and did n't repair my credit report. I have documents showing negative entries on my credit report and my submission to the FTC and NCUA. To exacerbate all these issues, last month ( XXXX, XXXX ), Navy Federal decided to re-activate the account internally ( though I still have no credit limit and the card is essentially frozen ), and now ( without my knowledge or consent ) another unknown XXXX department decided to start charging me late payment fees and IR changes. There have ben no charges on this account for over a year as the account is frozen. And for some strange reason, Navy Federal decided to add more issues to an already large systemic issue related to my current open complaints. | ||||||
| 04/01/2023 | Yes |
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Web | |
| I work for an airline and have a checking with NFCU that I use only for international traveling to avoid fraudulent transactions, since my route is XXXX and that destination has many problems associated with fraud and identity theft. On XX/XX/2023 I requested an XXXX ride via pp, but canceled three requests, due to the fact that drivers did not show up on a timely manner. During that time I saw the three transactions showing as pending transactions on my account and thought it would drop from my account, but on XX/XX/2023 the three transactions related to the canceled rides did posted my account and I contacted NFCU on XX/XX/2023 to request disputes to be placed, since it was international charges and I could not contact the merchant ( XXXX ). I also submitted a screenshot of XXXX canceld rides to NFCU to assist on their investigation. After calling NFCU, I received an immediate provisional credit in the amount of {$4.00}, but the other two transactions did not get processed, so I have contacted NFCU several times to verify that the other two transactions were processed. About a week ago, I was told by one of the NFCU representatives that provisional credits would be posted to my account no later then XX/XX/2023. But as of today, the credits are still not showing on my account. Today I contacted NFCU again and spoke to XXXX, a supervisor to NFCU and he told me that my disputes have not eve been assigned to anyone yet, and he had no prevision on when it will be assigned. I asked if he could send a request to expedite the process and he said that is not possible. My funds are still being held at NFCU and my disputes are not being processed for a final resolution and refund. | ||||||
| 09/21/2020 | Yes |
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Web | Servicemember |
| After 6 months of waiting, a closing date was proposed no-later-than XX/XX/XXXX. The first credit report XXXX score of XXXX dated XXXX " expired '' on XX/XX/XXXX. The second credit report from XXXX was XXXX, dated XXXX.The under -writers ( email XXXX ) had problems reading the condo docs that were FAXED ( XX/XX/XXXX ) using the supplied FAX cover sheet. They didn't see the name of the project on the 1st page and couldn't find the number of units on the 3rd page. ( email XXXX ) I had approved for the use of E-Docs and E-Signatures. Shortly after I received E-Docs with a Mortgage Loan Price Commitment Agreement back dated to XXXX and a Loan Estimate issued XXXX.The rate lock expired on XXXX, 4 days prior to sending/receiving them. I didn't sign, wrote a letter of complaint ( XXXX ) withdrawing E-docs & E-signatures. Underwriters couldn't determine my income, asked ( XX/XX/XXXX ) for W2s, had been sent in cert. mail XXXX, received XX/XX/XXXX. I confirmed my income by referrencing documents # 3, # 4 & # 8 in XXXX cert. mail. Email XX/XX/XXXX request change of HOI beneficiary prior to closing. XXXX payoff requested XX/XX/XXXX, expired XXXX. No payoff requested from XXXX XXXX XXXX. Application was for Hawaii condo w $ XXXX to payoff commercial property in Ohio. Denial-too many inquiries ; amount owed on revolving account too high ( all accounts paid in full every month for yrs ) ; length of time accounts have been established ( 3 most recent Cr. cards over 2 yrs old & 2 are with the lender-no balances ) ; No Derogatory Info found in the file. Paid down mortgages {$14000.00} while loan applications pending. No accommodation requested for existing loans. Loan application/credit denied | ||||||
| 05/20/2023 | Yes |
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Web | |
| Last XXXX i went through a hardship and i brought my account positive and i did not used my accounts any more after. As of XX/XX/2023 i have hundreds of dollars overdrawn. I have a member with Navy federal for 12 years and did not have a problem with paying and utilizing my account in a positive way. I lost XXXX family members last year and went through alot of XXXX because of this loss and also losing employment. I have reached out to the company and was not even considered for the longevity and loyalty that i put into business with Navy Federal. This is also a loss for me. Please assist with getting my accounts reactivated. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! | ||||||
| 08/27/2021 | Yes |
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Web | |
| Back around XX/XX/2021 I received a notice that I lost my debit card privileges with Navy Federal credit union due to too fraud claims that they prematurely or better yet assumed we're me trying to pull a fast one or claim fraudulent reporting to those fraud claims ... Which at the end of the 90 day investigation turned out to be fraudulent however they penalized me for following the guidelines in there disclosures for a debit card..thanks to NFCU I had bounced a payment for my rent and my vehicle almost evicted the the most horrible part ... They marked my SSN with XXXX- XXXX XXXX XXXX- causing me no access to online certified funds but trapping me in there XXXX of an institution. Any other place for months denied me due to XXXX and them marking me HIGH RISK due to fraud ... I lost my cool quite a few times when calling in however when I was able to control my anger and XXXX ... I asked them to send the info that they used to come to this conclusion.. they said they will and never did.. they wouldn't file a complaint when I asked I talked to multiple '' managers '' but never anyone who could tell me anything about reactivating my access.. when I asked.. what is your all 's problem, it's it because I'm not an actual service member is it because I'm just related to one? Are you treating me this way because I haven't enlisted.. the man on the other side made a very disheartening ha then proceeded to quickly place me on hold.. I feel horrible to have ever backed a institution like this ... And thanks to them my life became so very stressful that, I already having severe health issues, caused me to be hospitalized. I am ashamed to have associated with such a disgusting institution | ||||||
| 03/27/2019 | Yes |
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Web | |
| I am writing to request assistance in an unresolved matter with the Navy Federal Credit Union ( NFCU ), XXXX. XXXX XXXX, XXXX, VA XXXX regarding a fraudulent transaction. On XX/XX/2019, the enclosed check was deposited in my sons account in the amount of {$900.00}. NFCU was notified us that the check was deposited via mobile app ; my son does not do online banking, let alone mobile, and he reported the transactions as fraud. During this transaction, {$900.00} deposited and {$200.00} was withdrawn on the account which in turn the account was overdrawn and my checking account was debited {$210.00} for insufficient funds in that savings account. I do not believe that a thorough investigation could be completed in 1 day and it appears that NFCU automatically believe that my son made the fraudulent transaction. In reviewing the enclosed check ; his account number, nor is that his handwriting ( signature ) does not appear on the check, only the bank routing number, a phone number with an area code ( XXXX ), his phone number is a ( XXXX ) area code. Ive also tried to locate the persons to whom the check belongs to. I opened this account when he was a child, making me a custodial account holder ; when my son reached legal age, he was the primary owner, I never signed any documents to be a joint owner, in which NFCU claimed that I was a joint owner on the account. If I was a joint owner, there has been several occasions when I made inquiries into the savings account, but was told I was not the owner, and need primary owners permission, but Im being held responsible for fraudulent transaction on this account. I am asking for your assistance in getting a resolution in this matter. | ||||||
| 10/11/2022 | Yes |
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Web | |
| In XXXX of this year my entire family got XXXX. Because our kids were very sick too. My wife and I were out of work for weeks. My entire family wasn't back to work/school until the middle of XXXX. In XXXX of 2022 we applied for the XXXX program to help us pay for our mortgage payment. We were told back in XXXX of 2022 that we were in the last stage of our application. But when XXXX came and we had not heard anything from the XXXX. We decided to find out what was holding up the application. We found out that XXXX sent a form over to our mortgage lender on XX/XX/2022. Our mortgage lender never received that email. After spending three full days trying to get both side to communicate. My mortgage lender finally wrote an email to XXXX on our behalf asking them to resend the email. On XX/XX/2022 XXXX resent the email and my lender confirmed that they received it. And the lender filled the form out and sent it back to XXXX that same day. My lender states that they were verbally told that we had been approved. And that they even told my lender a dollar amount. My family and I had been paying our mortgage loan biweekly for a few months now expecting the XXXX to start any day. On XX/XX/XXXX our mortgage went 30 day pass due for the first time ever. And I do believe that it is not fair or legal. Not only did my wife and I have a payment arrangement with our mortgage lender to pay ever two week. They were also fully aware of the XXXX miscommunication because of us, If my wife and I had not decided to make any attempt to solve the hold up, we could have been stuck in limbo forever. P.S it is XX/XX/XXXX and we still have not received any help from the XXXX program. We applied in XXXX. | ||||||
| 11/15/2021 | Yes |
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Web | |
| On XX/XX/2021 my XXXX XXXX savings account was hacked. The hacker used the savings account to access my checking account. The hacker performed XXXX transfers to multiple accounts within the same bank. A total of {$9000.00} where removed from my checking account. The bank stopped a XXXX transaction of and additional {$3000.00} that the hacker was trying to remove from my account. I realized this happened on XXXX, when I placed the fraud call to the bank. I was told the bank would start an investigation and that it would take XXXX business days to resolve. on the XXXX days I called the bank and was told that there was no information on my case and that the XXXX department was very backed up and that it can some times take 15 days. On the 15 day of my claim, I called the bank again and was told that there was no updates on my account. and that they would send a message to the fraud department and that someone will call me back with XXXX hrs. No one called. I called the bank again and was told that there was a {$2000.00} credit coming to my account and that the rest of the money would soon follow. I waited a few days and called the bank again. I was told that there was no more updates on my account and that they would have someone called me back with in XXXX hours. It has been almost a month, and the bank has failed to return my money or give me any explanations as to what happened or how they got my {$2000.00} back. They lied and said the investigation would take XXXX business days, and then changed it to 15 days because they were behind. The bank also promised to have someone from their security/fraud department would return my call within XXXX. and no one ever called me back. | ||||||
| 05/15/2017 | Yes |
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Web | Servicemember |
| On or about XXXX / XXXX / XXXX XXXX XXXX was instructed to lock a mortgage rate of 3.375 with 0 Discount points and one percent origination. She chose to ignore instructions and instead placed a phone call after hours asking for clarification. When rates went up and it was communicated to her that she should have locked it and I wanted the rate locked on those terms, she locked the rate without clarifying terms and conditions on the date of the communication after the rates had gone up. Addition ally, Navy Federal re fuses to honor the language of Section C of its price Commitment and insists on charging an additional XXXX dollars to close the loan in violation of the language in it 's own documentation. I vehemently protested XXXX XXXX 's locking of the rates without clear instructions to XXXX and XXXX but even though they both admitted to not being attorneys and refusing to have counsel review the documents they interpreted the emails and documents in their favor. I specifically told Navy Federal Credit Union I would not pay for XXXX 's Mistake and rather than inform me they would not change the rates they waited until closing in an attempt to bully me to accept their higher terms. Furthermore, the Credit Union refused to provide the commitment letter in order to timely process the loan to my agent stating that they needed additional documentation on or about XXXX XXXX XXXX when they had already published the letter. Navy Federal Credit Union also waited until the business day scheduled before closing to verify employment information and ascertain child care costs, ensuring it would cause delays and profit from higher rates. | ||||||
| 04/29/2020 | Yes |
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Web | Servicemember |
| I submitted an application to Navy federal I was told to wait 15 business day for a reply. This was back in XX/XX/XXXX. I called in XXXX to check my status of my approval. I was told I had to send in an appeal. I went to my local branch where a representative contacted customer service to advise the information. Then rep was then told I had to submit an appeal. I submitted an appeal on XX/XX/XXXX. I waited 15 business days. I called on XX/XX/XXXX to see if my appeal was received I was advised no, I had to resubmit the information. I resubmitted the documents via email on XX/XX/XXXX. I called again on XX/XX/XXXX. I was told by a representative, my application was denied due to fraud. I told the rep, it was not fraud it was myself. I submitted some incorrect information which is why, I was told to submit an appeal. I asked to speak with a manager to have this escalated. I was advised by a customer service manager, " if I want this account open I have to continue to wait '' then I was disconnected on. I asked the manager was this the process Navy Federal takes in regards approving a veteran for an account. The manager refused to answer my question, then disconnected. Because I do not have an account yet established with Navy Federal I was not able to get the manager 's name. I'm sure its recorded. In which it defiantly need to be reviewed. The manager I spoke with was rude, unprofessional, and showed lack of empathy. I felt like I was bothering her, just trying to get my questions answered. Why ... why hasn't this been taken care of ... .. I was told its sitting in a queue that hasn't been worked yet. So the queue hasn't been worked for going on 3 months??? I highly doubt that! | ||||||
| 11/04/2023 | Yes |
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Web | |
| On Friday XX/XX/XXXX I noticed two transactions of Bitcoin purchases through XXXX in the amount of {$500.00}. I initially called XXXX who told me they could not help me and that I had to contact my bank ( Navy Federal ) I called them next and followed every step they told me to do. I unlinked my debit card from XXXX. I then canceled my debit card and got a new and closed down my XXXX. In the past I have used XXXX but only to send money and receive money. I do not know how to pay for Bitcoins or how it was purchased. I then filed a claimed for fraudulent transactions and was credited {$500.00} on Tuesday XX/XX/XXXX. On Wednesday XX/XX/XXXX the {$500.00} was token out of my account and the claim was denied leaving my account in a negative status of - {$470.00}. I have reached out to Navy Federal in detail. Then unbeknownst to me my XXXX account was still linked to my Navy Federal account. When I tried to unlink it I found out that I could not do it on my own. Something that took less than 30 seconds to do I had to wait over an hour to get a call back so that their digital department could unlink my XXXX account. By that time someone had already XXXX me {$500.00} to my bank account that was in the negative and now that money is just gone. Navy Federal refuses to dispute that money and return it back to the sender. I have called and sent numerous of emails and no one is willing to help. I have had people hung up on me and even asked me well what do you want me to do, I cant help you it is very disappointing and disheartening because I have had this account for years and never had any issues like this before. And the fact that no one is helping me is really sad to say the least. | ||||||
| 03/08/2021 | Yes |
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Web | |
| I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us. | ||||||
| 03/04/2021 | Yes |
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Web | |
| I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us. | ||||||
| 06/29/2023 | Yes |
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Web | |
| Hi. I got to get passes XXXX XXXX 's organized crime gangs that block me from viewing my real credit report. I am again at the XXXX CA public library surrounded by people angry over me typing this. Meaning they are viewing everything I am doing on my phone and computer. They will have all my personal information. Please do something about these people and this issue. Okay So, I've reported before that my ex-wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been using my information, my parents information, my brother who is deceased information and my Son who died information. She is assisted by basically the Mob I mentioned surrounding me and my Brother XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX aka XXXX XXXX. XXXX isn't even supposed to be in the country do to stabbing me in the arm. It was an agreement she made to avoid criminal prosecution in XX/XX/XXXX. She has been terrorizing me along with many gang and political organizations she misuses for person harassment and revenge. Recently I seen many many many inquiries, wrong ss #, mispelled my last name, changed information at the social security office such as my Mother 's name, stole my credit and created a XXXX XXXX XXXX XXXX XXXX And obtained tax programs and government grants. Also a salesman named XXXX from XXXX 's discount in XXXX CA XXXX. I bought a XXXX XXXX si at the end of XXXX. He scammed me by calling me every few days and saying he messed up and I needed to sign a new contract. It's a scam run by the auto dealership and this salesman. I basically bought 10 cars. I'm pushing to get my social security number changed and my ex-wife prosecuted and file a lawsuit against California. Please do something immediately | ||||||
| 11/26/2019 | Yes |
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Web | Servicemember |
| I opened a account up with this branch on XX/XX/2019 and XX/XX/XXXX i logged into my account and it told me to contact security dept. I called and they told me that they are permanetely closing my account due to insufficient documents and unable to verify me and they told me to go to my local branch. I drove 2 hrs to my local branch on XX/XX/2019 and spoke with XXXX and she told me to speak with someone else name XXXX XXXX. because they were unable to withdraw my funds from my account. she called security and they and stated that they needed i.d to release funds. i provided that documentation an she said they need legal documents stating my name change. I provided that and she told me that i needed to go to the social security office or the court house to get legal documents showing my name changed. I sent those documents in along time ago and they stated that it was not called for. so when i told XXXX, she stated she does not see it on file. and she also stated that if my marriage license pertained my maiden name it is not sufficient because my identification is showing my married name and that my married name is not on my marriage licenses. i told her that when you get married they will ask you for documents showing you are married and i gave it to them at the social security office and that how i got my married name. I showed all documents needed to verify i am who i say i am. all legal documents and all. They are failing to give me my funds out my account and they closed my account because i used my real name .This is a form of discrimination for closing my account for no reason even when i gave sufficient documents and they are failing to release my hard worked money. | ||||||
| 07/22/2023 | Yes |
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Web | |
| I'm currently a victim of credit card fraud, cyber crime, and misuse of my checking and savings account. I noticed unauthorized transactions on my personal credit card in XX/XX/XXXX. I reported unauthorized transactions to Navy Federal Credit Union ... The bank refunded XXXX to my credit card but later debited my card back for this amount on XX/XX/XXXX. The bank stated that they do not prosecute individuals. I received a Case number from XXXX Police XXXX. who stated that they do not investigate crimes in other states. When these incidents took place, I was a resident in XXXX, TX. My credit card was used at XXXX XXXX XXXX, Address : XXXX XXXX, XXXX, TX XXXX. I had a total of XXXX unauthorized transactions at this location totaling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, a transaction from XXXX XXXX XXXX, Address : XXXX XXXX XXXX, XXXX XXXX, TN XXXX on XX/XX/XXXX -- -- -- -- XXXX. I spoke with XXXX at this company she stated this amount was a deposit on a truck for XXXX of her customers ( XXXX XXXX ). Third transaction on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX. All of these transactions my credit card number was manually keyed in the system. I have not lost my card or reported it as stolen. I sent fraud letters to all XXXX business but no response. Since these events, I received copies of all XXXX credit reports. I'm still seeing other transaction. For example, real estate where someone used by social security number. I have been trying to seek help with this matter since XX/XX/XXXX. | ||||||
| 03/06/2021 | Yes |
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Web | |
| I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us. | ||||||
| 05/09/2018 | Yes |
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Web | |
| While XXXX on XXXX XXXX in Puerto Rico, my roommate stole my laptop, cell phone, and credit cards. She access multiple accounts, including online banking, XXXX, XXXX, XXXX, XXXX, and multiple other accounts. I have contacted the banks and the website accounts via email or private messaging. Most companies were quick to recognize the abnormal purchasing pattern and locked my accounts down to prevent further use or attempted fraud. Unfortunately, XXXX does not engage in preventative measures, and allowed a stolen credit card to be used on my account to make approximately {$1900.00} in unauthorized purchases. Investigation is completed by XXXX did indicate that the charges were abnormal and likely to be fraud. Regardless of this discovery, XXXX is refusing to issue a refund because of a few minor and singular accidental purchases over the previous four years. Other Banks involved, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, recognize that the credit cards were being used on websites rarely visited and purchases not normally attempted. XXXX, XXXX, and XXXX also recognized that attempted purchases were outside my normal pattern. Each of these Banks and companies froze my cards and my online accounts to prevent further fraud or attempted fraud. Upon recognizing the fraud after returning from Puerto Rico, these Banks and companies were quick to resolve the issues XXXX issue re-establish my accounts. XXXX and Navy Federal Credit Union failed to recognize and prevent the fraud that was so blatantly obvious to every other company. In addition, multiple attempts to contact Navy Federal Credit Union VIA mail has resulted in no response regarding the fraud or investigation. | ||||||
| 08/22/2019 | Yes |
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Web | Servicemember |
| XXXX XXXX committed XXXX as determined by XXXX XX/XX/XXXX. The family was notified about a week later when the XXXX was found. We quickly determined that the house was in default but worth saving and contacted Navy Federal who was the lender. At this time, they said we could not speak with them on behalf of XXXX without a death certificate. This was received and immediately sent to Navy on XXXX XXXX. We tried making contact once again and were told that we now needed probate paperwork from the court as we had no will. We immediately applied for this through the court systems. Navy immediately released the house for foreclosures when they received the death certificate ( Even knowing the situation ) as now they had proof of death. Then once we got the probate paperwork back on XX/XX/XXXX we immediately sent them copies of the probate order. We also left a voice message. On XX/XX/XXXX they returned a call and said they would send the paper work out for this loan to be reworked and credit was not really going to be an issue because of the situation ; but then on Monday XX/XX/XXXX they said this process needed to go to a different department because it had been sent to foreclosure and were sending another package of paper work out for the family to fill out. We got that XX/XX/XXXX. We are completing that package and returning it today. We feel they have stepped up the foreclosure process and really just keep sending us in different directions now that they have proof of death. This man served his country and had he would not be alive today. This is not compassionate, and I am embarrassed that we would treat the any of our service people or families with so little compassion. | ||||||
| 09/15/2022 | Yes |
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| Navy Federal Credit Union automatically robbed me of {$800.00} I deposited to my account without my consent, my knowledge, without any communication or authorization by me stating that it was ok for them to pull money out of my savings account. I had not idea that they would automatically go into my savings account and withdraw 3 consecutive withdrawals of {$200.00} and 1 withdrawal of {$170.00} of my hard earned money and my only means of living. That {$800.00} was all I had to survive on and I made no payment arrangements, authorizations, or consent for them to take and automatically withdraw that amount. I did not make any payment arrangements for them to withdraw money from my account without my express written or verbal consent, or knowledge. I didnt not state it was ok for them to take and withdraw those 4 specific amounts from my savings account automatically without my knowledge, authorization or consent. I did not make any payment arrangements for them to withdraw or take money from my account, or automatically withdraw from my account without my knowledge or authorization. Had I known Navy Federal was going to automatically take money from my account I would not have made a deposit to my savings account or trusted that my money would be safe in their bank. I had not made any authorizations or payment arrangements consenting Navy Federal to automatically withdraw and take from my savings account. I would like my money back that they automatically withdrew, robbed, and stole from me without my consent, knowledge, or authorization that they could withdraw or take my {$800.00} dollars that I worked really hard for and that is all I have to survive and live off of. | ||||||
| 12/15/2021 | Yes |
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| On XX/XX/2021, I received an email notification from the Navy Federal Credit Union ( NFCU ) that for free XXXX year XXXX XXXX member if I use my NFCU Flagship credit card for the XXXX XXXX purchase or renewal. The email red, Make getting your summer essentials simple with a free year of XXXX XXXX. Just pay the annual membership fee with your XXXX credit card, and well reimburse you. Thats up to a {$130.00} value! Already Have Prime? Renew your annual membership with your card before XXXX XXXX, 2021, and well credit your account. On XX/XX/2021, I renewed my prime membership using my NFCU XXXX credit card. I followed up in XXXX with XXXX as to why I did not receive account credit, and they explained it will take XXXX weeks. I also followed up in XXXX and was told that I should receive credit with XXXX business days. After XXXX business days, I called and was informed I will not receive the credit since I took advantage of promotion in the previous year. However, there was no overlapping in service, and this email was different from previous promotion email. Promotion did not specify that those that have use the promotion in the past do not qualify. Also, if that was the case, why send me the promotion again as NFCU already have information that I used promotion the previous year. I explained to them the advertisement did not state so, and that I only renewed XXXX XXXX because of the promotion. I asked for escalation and was placed on hold for over an hour to be told there is nothing NFCU can due. This is unacceptable as I was misled to sign up for XXXX XXXX and did not receive account credit for the cost. I have no choice at this point but to involve CFPB. | ||||||
| 07/08/2020 | Yes |
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| In XX/XX/2020, I sent a dispute letter to Navy Federal CU requesting that they verify debts that are being reported to the credit bureaus ; a total of 5 accounts being reported. I included my social security card and driver 's license. The requested items included : A summary of all account activities Copies of documents and financial instruments used to pay the disputed items Copies of all promissory notes and other documents to prove indebtedness I received a response back from NFCU, on XX/XX/2020, that they needed my access number to verify the accounts. However, my access number was printed on their response letter sent to me, so they obviously knew who I was and was able to pull my information based on the identification documents provided. While disputing these accounts with the credit bureaus, I sent an follow-up letter, on XX/XX/2020, with all account numbers that were being reported to the bureaus, and asked for the same verification documents ; which is my right under the FCRA and Title 15, Section 1666 of the US Code. My response letter stated that if they could not provide the documents within 30 days required by law, then they should proceed to delete records from my consumer reports. During the dispute with the credit bureaus and NFCU, NFCU continued to report this debt and even updated the account numbers that were reporting on my credit file. The response to me from the Consumer Loan Services Supervisor, of NFCU, on XX/XX/2020, was that they have investigated my claim and the debt is accurate. None of the requested items were provided that are required under law, and til this day NFCU continues to report the updated 4 accounts to the credit bureaus. | ||||||
| 05/19/2016 | Yes |
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Web | Servicemember |
| I purchased a vehicle from XXXX XXXX in XXXX. I traded-in my XXXX XXXX XXXX. I owed XXXX on the XXXX to NFCU. The vehicle I purchased a XXXX XXXX was sold to me XXXX. XXXX XXXX gave me XXXX for the XXXX leaving XXXX due on the loan. The dealership had me apply for the loan with NFCU. On the Buyers Order the dealer put N/A in the pay off amount. When asked about the N/A the dealership stated that NFCU required it for loan approval. the dealer It then put a XXXX down payment that they never asked for and I never paid. The balance due on the XXXX was XXXX. When I got the check from NFCU it was for XXXX not enough to pay for the XXXX. The dealership demanded that I pay more XXXX more. I did not have it. They said that they would take the kia back and put me in a XXXX XXXX. They said they spoke with NFCU and it was ok. The XXXX was horrible the door would not open the window would not go down and after two months the brake rotors had to be replaced. I do not know how it passed inspection. It failed when I took it for inspection. The XXXX was sold for XXXX. The Buyers Order for the XXXX and XXXX have the same date event though months passed between the two events. The buyers Order also have the same mileage for both cars. I could not get title to the XXXX and when I submitted the title for the XXXX to NFCU they said that it would not qualify for the loan that they made. NFCU increased my interest rate to 18 percent for an unsecured loan. NFCU also told me that the the XXXX I originally purchased with its loan was not in my name it was in the name of another servicemember and had two different member loans on it. How do you lend money on a car you already have a loan on. | ||||||
| 03/08/2023 | Yes |
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| During XXXX Of XXXX I Opened A Navy Federal Credit Union Account, After A while I Quit My Job Working On The XXXX Vehicles For The XXXX XXXX In My City. I Used XXXX Search Filters To Find New Jobs & Came Across A Career Option As A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After Doing This For A While The Company Will Pay Me Using Gift Cards & Never Will Set Up My Direct Deposit As Requested As I Start To Get Stressed With The Gift Card Pay Every Week I Told The Company I Was Looking For Another Job Cause I didnt like the payment methods & knowing i will need paystubs and proof of deposit to my checking account after explaining this the company told me they will be sending me a bonus check to deposit into my bank for almost XXXX $ i continued to work once i received the check i immediately went to my bank ( Navy Federal Credit Union To Deposit ) Days Later The Company Asked For My Account Information To Verify My Check I gave it To Them after that the so called boss called and said the check was over writing i need to send the money back i told him that it was still in my bank im waiting it to clear im sorry i thought it was my bonus check he respond no not that onewe need the money sent back immediately he checked my account and told me to go withdraw XXXX $ and send it on gift card i did so trying not to lose the XXXX immediately after that i felt that was XXXX mistake a employer can make i went to XXXX did research on the job and omg everything said XXXX scam i was so lost they had locked me out my account navy federal fraud department line was so long so i hung up and i walked in bank got help filled out forms and NFCU havent got my account fixed since | ||||||
| 10/18/2021 | Yes |
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Web | Servicemember |
| NFCU sold me a products and services that wasn't authorized to sell me at the time by SCC of Virginia as told me and voicemail left by Mr XXXX XXXX connected to the loan dating back to the first deduction XX/XX/XXXX from my checking account/credit card. Financial statemens from Navy Federal Credit Union proves the deductions XXXX monthly and XXXX moth dating back to XXXX to XXXX. I requested a FOIA Act and fradulent conditions against me as a member and a customer of Navy Federal Credit Union without my knowledge of knowing it committed fraud by selling me a financial product that they reported on my bank statements as Disability/ IU/AD knowing the product and services wasn't insured nor regulated by SCC Of Virginia Bureau of Insurance according to Mr XXXX XXXX while NFCU were receiving and charging me illegal payments of XXXX for products and services that never existed while allowing me to believe that I was purchased products and services that weren't licensed by Virginia Bureau of Virginia. This is Fraud and XXXX and NFCU through emails FOIA Act proves they both acted illegally to hide this FRAUD.. This caused me Hardships and causing my checking account to be overdrawn charging me XXXX repeatedly dating back to XX/XX/XXXX. While my health insurance and finances caused credit report to deny loans after 30 day notices. This was reported to Mrs XXXX XXXX XX/XX/XXXX and her secretary responded about GAP INSURANCE POLICY that NFCU GAP loan documents stated weren't included but resulted in Payment from GAP. that I also was charged for. NFCU has without my permission to misappropriate my funds through mail fraud and without license to sell products and services to me. | ||||||
| 07/11/2017 | Yes |
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| I received a letter on XX/XX/XXXX that my Navy Federal Credit Union payment was late and due. I had not used the card since I opened it, so I logged into my account and noticed that there was a {$49.00} annual fee due that I had forgotten about. I immediately put my checking account information in to resolve the problem and avoid negative information on my credit report. I called Navy Federal to make sure the payment went through. I was assured the payment went through and there were no problems with the transaction. On XX/XX/XXXX, I received another letter stating that my payment was now two payments past due, and I also received notifications from my credit monitoring service that negative information had been added to my credit report. It was very surprising since I was told that the payment had gone through. I checked my bank account and saw that there was no payment removed. I called Navy Federal again and asked why the payment did not go through since my bank account had plenty of money in to cover the payment. They did not know what went wrong, so we went through the motions of making the payment again. I gave them the checking account number, which they confirmed to be the exact number I had given them when I tried to make my original payment. At this point, I called my bank to ask why the payment would n't have gone through, and they stated that the account number I gave was missing a number. I immediately called Navy Federal back to provide the correct number and make the payment for the full {$49.00} annual fee. I have made numerous attempts to resolve this issue with Navy Federal, citing that this was miscommunication of both parties, without resolution. | ||||||
| 06/22/2019 | Yes |
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Web | Servicemember |
| THIS IS A LEGAL NOTICE AND WILL BE USED AS EVIDENCE IN A COURT OF LAW On or about XX/XX/XXXX Navy Federal Credit Union repossessed my 2013 XXXX XXXX without providing my right to Due Process nor having cause to repossess my automobile. In the year XXXX I requested transactional information of our auto loan agreement. To date Navy Federal Credit Union has not provided the information I have requested. Due to the fact that Navy Federal Credit Union either refused or failed to provide the essential transactional information I requested I informed Navy Federal Credit Union that I would cease to remit any payments to Navy Federal Credit Union as I was not sure and had doubts of the accuracy of the information of the auto loan agreement we signed. On several occasions in XXXX and XXXX Navy Federal Credit Union contacted me about payment to my auto loan agreement. I never informed Navy Federal Credit Union that I refused or did not want to pay, I merely informed Navy Federal Credit Union that I would make payments upon receiving the transactional information I requested to ensure I was making the correct payments and in accordance with the agreement. I informed Navy Federal Credit Union that there was an error in my auto loan agreement and that I wanted to review the information first before making payments. Navy Federal Credit Union refused to provide the information. Today, XX/XX/XXXX, without notice to me that Navy Federal Credit Union would take my automobile nor a Warrant issued by a Court of Law was presented to me as the Authority to take my automobile. Navy Federal Credit Union took my automobile without my knowledge consent nor authority to take the automobile. | ||||||
| 03/14/2018 | Yes |
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Web | Servicemember |
| I was in the XXXX, I was stationed in XXXX when I opened a Navy Federal Credit Union Account. I applied for a motorcycle loan and was approved, then changed duty stations to XXXX XXXX Texas. While at XXXX XXXX Texas I ended up being incapacitated, suffering from physical and mental illnesses that restricted me from taking care of myself on a physical, mental, and financial basis. With all of this being said, I now had family members taking care of my finances or supposedly taking care of all of my finances. After years of trying to rehabilitate and integrate back into the military as a soldier, I was eventually XXXX XXXX and i'm 100 % totally and permanently XXXX. I eventually went into Navy Federal to open my account back up in which I was informed that a loan was not paid in my name and that I could not open an account. I really valued Navy Federal and did not know that an account was never paid off. Either I did not know because the proper steps to inform me was not taken or because of the medical situation that left me unable to perform in the proper mental capacity at the time hindered the people taking care of my finances from knowing how or what to pay. I really would like this all to be fixed as it is not to the fault of myself and the unforeseen physical and mental problems I endured at the time. I just want my account back because i'm a great customer and a great person. I've called and tried to give my explanation in which there was someone who tried to help but transferred me to a supervisor who was completely non-empathetic to the fact that a person could have died and had to rehabilitate themselves as a reason to help due to extenuating circumstances. | ||||||
| 09/09/2018 | Yes |
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Web | Servicemember |
| I am a XXXX XXXX XXXX veteran who is a loyal customer of Navy Federal Credit Union. I served 10 years in the XXXX and while serving obtained a loan through Navy Federal Credit Union. While paying back the loan I became incapacitated and could no longer care for myself. I had to XXXX XXXX XXXX, and XXXX. My brother XXXX XXXX XXXX was taking care of my finances at the time and supposedly notified everybody of my XXXX and XXXX situation. Time went by and after XXXX, I am now able to care for myself. I love XXXX XXXX so I apply for a credit card through them and i'm denied saying that there was a loss. After calling and getting further details, an account that was supposed to be forgiven and/or repaid at a later date per conversations with my brother XXXX and a Navy Federal representative when I was able to settle my own affairs is what Navy Federal is holding against me. It isn't fair that I served my country and acquired injuries that left me unable to attend to things for quite some time and now it's being held over my head. Forgiveness or repayment should have been honored due to the situation. I feel so horrible and embarrassed because everything is always an act of good faith with me. I shouldn't be admonished for serving the military and being injured, I shouldn't be denied the luxury of applying openly for credit with my favorite bank, it isn't fair and it isn't right. I do not care if I have to pay it back or if it is forgiven like agreed upon, i'll do it because I intended to move all of my accounts that my brother opened back to Navy Federal. Please investigate this case as I shouldn't be treated this way for such a horrible reason. Let 's make this right. | ||||||
| 01/19/2017 | Yes |
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| XX/XX/XXXX I 'm disputing Navy Federal Credit Union 's ( NFCU ) response in denying an interest rate reduction for my VISA Go-Rewards card. As I previously indicated - I 've been a NFCU member since XX/XX/XXXX. They indicated that their denial was based on their review of my current and past credit history with them. I 've had mortgage loans with NFCU since XX/XX/XXXX and have never made a late mortgage payment and never defaulted on a NFCU loan. Over the years I 've paid off credit cards, car loans and other personal loans with NFCU without late payments. I did not want to pull this card, but I 'm XXXX and NFCU knows this. Over the years I 've had to appeal and dispute loan and mortgage denials from NFCU. In XXXX XXXX, my husband obtained a car loan for a XXXX XXXX XXXX with an interest rate of 1.99 percent. After the car loan we attempted get a lower interest rate or consolidation loan for our credit cards but was denied unless we used the XXXX car as collateral. My husband and I agreed to use the car to secure the consolidation loan which also included the car loan amount and was promised in XX/XX/XXXX by XXXX XXXX ( NFCU representative, XXXX, ext XXXX ) that the interest rate would remain 1.99 percent. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX, Assistant Manager ( NFCU representative, XXXX, ext. XXXX ) and he said that he could only give us an interest rate of 5.5 percent for the consolidation loan - not the 1.99 percent that was originally promised. We have been paying the consolidation loan since XX/XX/XXXX and have never made a late payment. I worked for a short time for NFCU XX/XX/XXXX and found that they had a bias in the lending practices with XXXX. | ||||||
| 10/09/2023 | Yes |
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Web | Servicemember |
| After looking over my account on XXXX in between XXXX I called to have my checking account number change due to the fact that I called off the marriage to my partner. After leaving him I found out that some how he had access to my online banking information in which I did not give to me. The rep I spoke with never told me that my account would be compromise. I had filed disputes and fraud claims only to get a supervisor to tell him that I had something to do with this and talk down to me like I was nothing .They shut down my debit card, and online access to checking account. so if they did send me message on what was needed I could not get it because I did not have access to online banking. I informed them several times that I was a victim of identity theft and where did I need to send the documents the said do not worry. I have been fighting this claims for a long time the forgot to send me any updates on the claims so I had to file and appeal which the close due to my account getting compromise. I request a copy of the following documents that lead up to the denial. They asked me to faxed documents sent the documents thru e message then the denied my claims stating that it was not there it was there they just did not go thru it so I sent over the documents multiple times until I had to do it my self to put each claim the proper document to support it and they said they did not received it. I told them that I had identity theft my credit was frozen and lock I filed police reports and FTC report and identity theft report and they still talk down to me and treated me bad. Because I did not the answer to a question I ask and they got mad and raised their voice | ||||||
| 11/24/2015 | Yes |
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| I am writing you again for the XXXX time because NFCU is continuing to report erroneous information to my credit profile. NFCU is attempting to report foreclosed information to my credit report after the 7 year reporting period by changing the date of delinquency on my accounts. The first date of delinquency is the date of my bankruptcy. After 7 years, NFCU is required by law to stop reporting on these account all together XXXX the Fair Credit Reporting Act. They are also labeling these accounts as being open and active when they are bankrupted accounts and should be labeled as such. They have updated and re-aged the accounts in order to continuing reporting on it outside of the 7 year period. Any status regarding these accounts outside of the 7 year period should not be reporting. NFCU actions have caused my credit score to decline and increasing in my premiums for insurance and utility services. I have disputed these item with the credit bureaus and have sent correspondence directly to NFCU for correction only to have them corrected when under fire and re-reported a couple of months later. I am requesting that NFCU stop harassing me by means of the credit system. This is a deliberate act because they have been warned by me, my attorney, XXXX and CFPB have sent them correspondence regarding this matter in the past. I am requesting that NFCU cease from reporting on any and all account included in my XXXX 2008 bankruptcy and submit accurate account data to the XXXX credit bureaus. This is my third and final request. Legal action will be taken XXXX the FCRA. *They have also removed the account from my report in the past, but added it back after a few months. | ||||||
| 12/05/2023 | Yes |
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| I am writing to formally lodge a complaint against Navy Federal Credit Union regarding the repossession of my XXXX XXXX XXXX in XX/XX/XXXX. This repossession, which occurred without proper legal grounds and in violation of constitutional and statutory rights, demands immediate attention and resolution. According to the 4th and 5th Amendments of the United States Constitution, the repossession of my vehicle was conducted unlawfully, infringing upon my rights to due process and protection against unreasonable seizure. Furthermore, I am invoking 15 USC 1681a ( d ) ( 1 ) and 15 USC 1692a ( 6 ) to establish Navy Federal Credit Union 's role as a debt collector and its partnership with an unidentified towing company, implicating them in violations of federal laws governing debt collection practices. The repossession carried out by Navy Federal Credit Union and its undisclosed towing partner was in direct contradiction to the established legal framework, disregarding the rights afforded to me as a consumer and violating federal statutes governing fair debt collection practices. I demand an immediate investigation into this matter, a reversal of the repossession, and a comprehensive review of Navy Federal Credit Union 's policies and procedures concerning debt collection to ensure compliance with federal laws. Moreover, I request a prompt response outlining the steps being taken to rectify this situation and restore my rights as a consumer. Failure to address this issue in a timely and satisfactory manner may necessitate further legal action to uphold my rights and seek appropriate remedies. I anticipate a swift and satisfactory resolution to this matter. | ||||||
| 04/05/2017 | Yes |
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Web | Servicemember |
| Spanning over 2 years Navy Federal Credit Union ( NFCU ) mishandled documentation related to my mortgage account that resulted in inaccurate negative reporting to my credit report. In addition, NFCU 's mishandling resulted in 2 shorts sales falling through and then, only due to my retaining a lawyer to act on my behalf, did NFCU even begin to process a Deed in Lieu of Foreclosure under their " Borrower Assistance Program ''. The last correspondence received from NFCU approved a Deed in Lieu of Foreclosure. Following this, my lawyer and I heard nothing until I was served documentation advising that I had not appeared at a foreclosure hearing. I was not even notified that the property was being foreclosed upon. My lawyer was able to appear at a subsequent hearing where I was relieved of personal liability due to deficient notice. NFCU then reported on my credit reports that the property had been foreclosed upon - this is not the case, as I never received notice from them that the property was being foreclosed upon. To this day, I have not received anything that states the property was foreclosed and now belongs to NFCU. I need this foreclosure entry removed and a copy of a statement providing that the property now in fact belongs to NFCU. As a lender who primarily markets themselves to military members, the manner in which my account was handled was absolutely unacceptable and has had devastating effect on not only my credit reporting, but also my personal life. The XXXX and XXXX whilst on XXXX has been significant and only because of my retaining of a lawyer, did NFCU even respond to me after almost a year and a half of me trying to work with NFCU on my own. | ||||||
| 08/14/2023 | Yes |
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Web | Servicemember |
| I was contacted by an individual by the name of XXXX XXXX, who represented a funding company by the name of XXXX XXXX XXXX XXXX He informed me that the company specializes in funding small business start ups. He went over the details of the company 's lending procedures and then had a {$30000.00} check mailed to my home address. I took the check to my financial institution ( NAVY FEDERAL CREDIT UNION ) in order to have it deposited and a few days later received a letter from my bank informing me that the check was no good, that it was a fraud. I called the bank 's ( NAVY FEDERAL CREDIT UNION XXXX security & fraud lines numerous times in order to see what I needed to do to get assistance with this matter & I was informed that there was nothing I could do and they had no one to assist me. I attempted to reach out to the individual who I had been in contact with throughout the funding process and was not able to contact him or find any information online. As a result my financial institution ( NAVY FEDERAL CREDIT UNION ) blocked/froze my all my accounts. I tried to make a cash deposit and the teller was not allowed to take my cash. I submitted a fraud claim to the Federal Trade Commission. I gathered what information I could & submitted it to my bank in order to appeal the blocking of my accounts and it was denied. I tried to go to another financial institution ( XXXX XXXX ) and open an account only to be denied because of the block/freeze from NAVY FEDERAL CREDIT UNION XXXX As a result of some fraud/scam I am suffering & being punished for the greed of others without direction as to how to hold the perpetrator accountable and resolve this horrible situation. | ||||||
| 05/05/2023 | Yes |
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| Navy Federal Credit Union had restricted my use of debit card services. This has effectively disabled my debit cards, and ability to use XXXX. The credit union did this without notifying me of any potential disadvantages that could occur when submitting dispute claims. I've been a member of the credit union for six years, and never have I experienced this action taken against me. Furthermore, I use XXXX weekly to pay for some of my expenses such as rent. This restriction has prevented me from submitting payment for the month of XXXX, and now I am at risk for eviction due to their actions. In addition to this, I was actively enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and one of my checking accounts is currently in overdraft. Without full use of my debit card, I am unable to submit payment to this account. I often use XXXX, XXXX, and XXXX to deposit money into that debit card/checking account. Without full use of the debit card, I do not have any other option to satisfy the overdraft debt. The credit union only allows 30 days for accounts to be in overdrawn status, otherwise they will charge off the account. This is completely unethical, as this restriction is not referred to neither mentioned in the debit card disclosure, and the credit union has not even provided me a letter to warn me before making this restriction. I had also submitted an ACH transfer for payment to my landlord, however, because the credit union restricted my account, the transfer was reversed and I received {$75.00} NSF from my landlord, and the credit union charged me {$29.00} for reversal fee. This is unpractical, and the representatives have not done anything about my complaint. | ||||||
| 08/18/2022 | Yes |
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| In XX/XX/XXXX, I learned of a fraud claim of XXXX. I admitted to allowing a friend of a friend to use my phone only to find that he filed this fraudulent claim and obtained the monies from it. {$2900.00} was transferred to another navy federal member who admitted that my friend 's friend was her boyfriend that committed this fraudulent act towards me and her account/funds were released. My mother and I spoke with navy federal reps in XX/XX/XXXX initial contact after nfcu letter received, XX/XX/XXXX when advised of the appeal process being an option, XX/XX/XXXX to be advised that the appeal letter was received and in process, and again today XX/XX/XXXX with a branch representative who advised there is no documentation/activity showing after the XXXX conversation and also that the member 's, XXXX XXXX XXXX her name is listed on the bank statement received ) account was released and no funds were recouped. I SWEAR TO YOU AS I DID TO NAVY FEDERAL IN MY APPEAL, that I have no knowledge of XXXX only communications with my friend 's friend. I believe that it is unfair that I have been penalized not being able to use my account and owing this entire balance when she received and used funds from a fraudulent claim. I spoke with XXXX and a male rep and advised them both of my fault and willingness to satisfy the debt if the case was truly reviewed and decided on in a fair manner. I have made the attempts to follow up but have not received any correspondence via email, mail, or phone. It has been 90 days or more since the appeal was received and is ample enough time to investigate. Please help as I want to rectify this situation. I have attached supporting documents. | ||||||
| 08/25/2020 | Yes |
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| Year XXXX I had went into The XXXX XXXXXXXX Navy Federal Branch. I spoke with the teller and asked them that I am planning on paying of my Equity line of credit ( approx. {$87000.00} ). I specifically ask them that I have 3 accounts that were charged off and if it was going to affect me in any way, she had said no. I then asked if i should wire the payoff from my other account, the teller ( female ) had said since I am depositing a Navy federal check to my Navy federal account, it would be available the next day, it was be easier to transfer to the equity. Up to XX/XX/2020, I have now deposited over {$80000.00}. I log in to my account approx on XX/XX/XXXX and noticed transfers that was not authorized by me. I called the customer service and they have said it the three transfers were made to PAY OFF THE CHARGED OFF ACCOUNTS. I explained to them that I visited the branch and spoken to a banker that these funds are meant for my equity, they did not want to hear it from me. I asked them to reverse the transfers and use them accordingly to pay off the equity, they again said there is nothing they can do. On XX/XX/XXXX, I decided to go into the branch and remove all my funds as I did not want them to use the rest of my savings and money unlawfully. They advise me that my account has been restricted! XXXX, from thXXXX XXXX XXXXXXXX CA branch ( XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ) was suppose to call me Monday XX/XX/XXXX to release my account. I have not received any calls, emails, or messages. How can Navy Federal take funds from my SAVINGS and checking to use them however they please. I am sure they have violated many laws and regulations by doing so. I | ||||||
| 07/24/2020 | Yes |
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| In the beginning of XX/XX/2020, I applied for a Navy Federal Credit Union refinance loan. I successfully was pre-approved for a loan. I locked the rate at 2.875 % contingent on supporting documentation. The option I had was a XXXX XXXX which allow me to be able to lock at a lower rate if the rates dropped. The loan officer stated there was a heavy backlog and my loan would not progressed until sometime in XXXX and or XXXX. I told Navy Federal I was willing to wait just as long as my interest was locked at 2.875 %. They ensured me that it would be and we could move forward with me providing necessary documentation. Within two weeks I supplied the Navy Federal my w2, pay-stubs, etc. On XX/XX/XXXX Navy Federal emails me and ask if I would like to proceed. I email them back XX/XX/XXXX and stated I was looking forward to proceed. Around XX/XX/XXXX I called Navy Federal to asked them next steps and they stated my application had been withdrawn and I had to reapply for a new rate which would be .75 higher than my old one. I felt this was misrepresentation. I ask to speak to a senior manager. I was able to speak to a senior manager and after investigation she stated the reason I had to reapply was because my credit report expired. I never ask Navy Federal to withdraw my application. Navy Federal never emailed and stated I needed to pull another credit report. Due to misrepresentation and lack of transparency I would like Navy Federal to honour my existing 2.875 % loan application rate, allow me to lock into a lower rate as well as waive any and all loan origination fees for the hassle of lodging a complaint and mistreatment of a 30 year XXXX XXXX Veteran 's son. | ||||||
| 02/23/2023 | Yes |
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Web | Servicemember |
| I opened a Navy Federal Account in XXXX TX off XXXX XXXX related to personal identifying information XXXX XXXX XXXX XXXX and XXXX XXXX XXXX related to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX presented a Fraud Marriage Document related to XXXX XXXX XXXX XXXX TX. and Filed illegal Powers Of Attorneys where acting power XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had my passport book committed Veterans Affairs fraud by stealing my Veterans compensation check over XXXX a month as well as a spouse XXXX and child of XXXX for each. I played no part in this and this is Bank Fraud this was on the bank i asked for the disclosures from the bank to be mailed to XXXX XXXX XXXX XXXX XXXX Tx XXXX all will be disclosed in the Taxes to my undisclosed sources the round bout figures where my net worth is XXXX XXXX dollars and they stole {$650000.00} by transfering to bank cards relating to my social and unprotected name now at the comptrollers office in TX. but i first recognized the payments in XXXX or XXXX in XXXX XXXX. but i opened it in XXXX XX/XX/2021 when i ask the bank close my account in TX it was never closed because of the powers of attorney she had over me acting fraudulently as a spouse worlds dumbest criminal they tripped the FBI by amount they stole but failed to make the most wanted list all this was Bank Fraud in TX and California as well XXXX has a property at XXXX XXXX XXXX XXXX and another down XXXX XXXX which XXXX moved out of please investigate please XXXX mail any findings for my mobile is down or a investigators number to contact for i have cyber stalking to properly keeping me from reporting the full events please take this as a formal report | ||||||
| 07/11/2020 | Yes |
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Web | Older American, Servicemember |
| After over 25 years baking with Navy Federal Credit Union, I applied for a loan to buy a business in 2007. The business failed and I filed bankruptcy. I erroneously failed to file the proper document to have this debt included in the bankruptcy and was unaware of this until recently. Approximately 18 months ago, I applied for a new checking and savings account with Navy Federal credit union. Navy Federal refused to give me a credit card but told me I could open both accounts. After some discussion regarding the history and bankruptcy, they opened the account. I used the account infrequently throughout the year and recently decided to check my balance by phone. My savings account showed a balance of {$5.00} and the checking account had a XXXX balance.. It was at that time they informed me that they had confiscated {$370.00} from my checking account and {$300.00} from the savings account. They claimed this was a lawful debt collection as I had an outstanding debt on a different account from 2007. They took my money from the newly opened checking and savings accounts and refuse to give it back. Now they are threating to sue me for the balance. The statute of limitations has long passed as well as the ability to ding my credit report. I beg them to violate the law here and things will get ugly. At this time I am simply seeking my money back. If this goes on very long, I will seek damages and file a lawsuit. Navy Federal has a history of illegal collection actions and apparently they continue to violate the law. My financial situation has greatly improved and my credit report reflects that. I would not recommend anyone trust this company with their finances. | ||||||
| 09/08/2017 | Yes |
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| I received a letter from Navy Federal Credit Union stating that I was eligible to receive a redress payment in the amount of {$870.00} for my consumer loan ending in XXXX which has been refinanced with Navy Federal and a new loan number given ending in XXXX. The letter stated that on XX/XX/2017 a credit would be placed in my account ending in XXXX. I called Navy Fed to confirm that this was a valid letter. They said it was. I was then told that the account that ended in XXXX was a charged off account, which I was unaware of because I had been receiving statements for one year that did not list the account was charged off or closed. The representative stated that Navy Federal I would not be able to receive the funds from this account. I was told If I was eligible that I could open a new savings account and the funds be placed there. I opened a new savings account ending in XXXX that day over the phone. On XX/XX/2017, the funds were still placed in the charged off account ending in XXXX with a new balance of {$890.00}. I requested a transfers from this account to the new savings account with Navy Federal ending in XXXX and was denied and told I would have to fill out a questionnaire form to preform a transfer because the funds were from a Redress Notification.This form could not be emailed nor faxed, It could only be sent to my mailing address on file ( today 's date is XX/XX/2017. I live in South Carolina which is under mandatory evacuation for XXXX XXXX ). I am concerned that they will pull the funds and apply it to my refinanced consumer loan with Navy Federal ending in XXXX, which was the reason for the Redress Notification in the first place. | ||||||
| 05/18/2022 | Yes |
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| I closed on my home on XX/XX/22 with Navy Federal. I brought up multiple concerns I had with closing costs greatly varying from my final loan estimate that I received before closing and at closing via email, phone, and in-person. Navy Federal refused to acknowledge or correct my concerns. On XX/XX/22, I received a letter giving a post closing lender credit of {$1500.00} due to the errors I had noticed before closing, while this lender credit does help to close the gap between loan estimate and closing disclosure, it doesn't resolve all of the issues. The following costs changed from my final loan estimate received on XX/XX/22 to my closing disclosure received XX/XX/22 : My capital contribution for my XXXX and XXXX XXXX XXXX by {$1500.00}, this is what I assume the XX/XX/22 letter was regarding. An additional fee of {$150.00} was added " Title - Document Prep '' this fee was not on my loan estimate and since I chose to use Navy Federal Title it is not allowed from being added between loan estimate and closing disclosure. {$150.00} discrepancy My " Title - Lenders Coverage Prem '' increased from {$1900.00} at loan estimate to {$1900.00} at closing disclosure, which is not allowed since I utilized Navy Federal Title. {$18.00} discrepancy My transfer taxes increased from {$4800.00} at loan estimate to {$7100.00} at closing disclosure. This is not allowed to occur since Navy Federal had already reviewed my purchase contract before receiving the final loan estimate. {$2200.00} discrepancy This is a total discrepancy between loan estimate and closing disclosure of {$2400.00} when accounting for the {$1500.00} post closing lender credit already received. | ||||||
| 06/17/2021 | Yes |
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Web | Servicemember |
| XX/XX/XXXX I was forced to sign a promissory note that required I pay a reduced debt of {$26000.00} at XXXX month no interest so that a short sale on my property could be completed and my XXXX clearance as a XXXX XXXX in XXXX XXXX XXXX , would not be in jeopardy. The property sold for {$280000.00} but the original purchase price in XX/XX/XXXX was {$400000.00}. I had a XXXX XXXX arm loan originally with XXXX good until XXXX but soon after the loan was transferred to XXXX XXXX XXXX during the financial crisis. In XXXX I refinanced the smaller part of the loan ( XXXX ) with XXXX XXXX to keep the interest rate stable. ( It previously a HELOC with XXXX ) Unfortunately, the market bubble broke in XXXX and the Value of my property plummeted. I made a request in XXXX to XXXX XXXX to reduce my obligation in XXXX but I was informed that I must continue to pay this debt monthly and if I were to default I would be held responsible for {$73000.00}. I have been paying on time since the XX/XX/XXXX. This practice of denying Short-sales and requiring customers to sign promissory notes was banned after XXXX. I have email and letter communications from XXXX XXXX XXXX XXXX, XXXX XXXX, that state he would not alter the amount owed on my credit report to reflect this lesser amount owed. My other complaint is that XXXX XXXX received Bailout Monies in XXXX XXXX and XXXX which never had to be repaid according to XXXX. The soldiers and sailors relief act would not protect me as I was commissioned in XXXX XXXX XXXX at the time. I feel that the timing of my situation made me fall into a, predatory gap which allowed XXXX XXXX to take advantage of me. I hope that you can assist. | ||||||
| 05/01/2020 | Yes |
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Web | Servicemember |
| Debtor Collected final payment and I closed my account with Navy Federal Credit Union in XXXX XXXX with no late payments. This was on a secured Visa card with a security deposit of {$1200.00} on it. Company did not offer pre-paid debit/credit cards and advised this was best route, a secured card. Was immediately issued a card and used for a couple of months. Never paid back balance and asked them to just close my account. They said they had closed and I had stopped receiving corresponding mail from them, then I receive a checking account security lock on my account because of it and limited access services-wise, then a denial of services all together. Found out they had not closed my account and unauthorized charges were accrued on my account which then resulted in unknown prolonged delinquencies and an account balance of {$85.00}. The amount accrued for the high credit limit field in the 7 major credit bureau reporting of the file. File wasn't officially closed until XXXX XXXX. Contacted creditor and they refused to do business with me again due to this fraudulent activity in which occurred on my account ( s ). I request immediate deletion of this reporting from the 7 credit bureaus due to it's ; unfair, non-current, derogatory payment history and status on my report. Credit reporting from Navy Federal should include final payment activities and an updated statuses due to the no longer delinquent accounts, which they fail to do. Please, assistance in this matter is needed and resolution is as easy as deletion of unverifiable information that can not be verified with myself or the representatives spoken to via phone call and written correspondence. | ||||||
| 05/16/2018 | Yes |
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| I made two purchases in XX/XX/2017 that fell under a promotion that Navy Federal Credit Union was running that advertised 0.0 % APR for 6 months on purchases of $ XXXX and 12 months on purchases over {$1000.00}. Since that time, I have made payments on the account that covered the purchases made that period with no balance forwarded other than the promotional purchases, otherwise referred to as the revolving balance by other credit card companies. Navy Federal Credit Union VISA is stating that because I didn't bay the statement balance ( purchases + promotional balance ) in full, I am subject to interest on the average daily balance minus the promotional 0 % APR amount. VISA has " duped '' the customer by advertising a 0 % APR promotion and then charging interest on the average daily balance of the account when that promotional balance hasn't been paid in full because they are including it in the statement balance. I called the Customer Service Line inXX/XX/XXXX and the interest charges from theXX/XX/XXXX and XXXX statements were credited back to me. However, they continue to charge me interest because I haven't paid the statement balance, even though I have paid more than the purchases that period and contribute to the reduction of the promotional balance. Based on experience with other credit cards through stores such as XXXX XXXX and XXXX 's, I don't understand how I can be charged interest because I haven't paid off the balance of a purchase that has a 0 % APR. That promotional balance should be separated from the revolving balance, and if that revolving balance is not paid in full I would completely understand being charged the interest. | ||||||
| 08/05/2023 | Yes |
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| Today the date of the XXXX of XX/XX/2023 I called Navy federal Bank about my credit card. The reason for the call was to get info on why they never sent me a bill to my house they stated I signed something digital I asked for a copy of that and asked for my wet signature they stated they could not produce that to me. So then I said I need my physical bill so I can pay the bill the right way with remittance they stated we are going to send you a bill out in the mail. Then I asked them do I have equity in the securities that I offered when I signed this contract for this credit card the first person that was a customer service rep stated no you dont have no equity in Navy federal. I stated thats odd and then asked to speak with a supervisior. He got on the phone stated I heard you need help with your credit card sone complications. I stated yes I have complications and stated to him do I have equity in my securities when I signed my contract he stated no you dont have any and I asked him can I talk yo someone that is higher then you maybe your trustee or your cfo can send me a letter stating I dont have any. But thats something I know they are not going to do because it kinda states it on there website which I took I screenshot to show it states equity for members. And Im a member of this bank so Im asking myself it clearly states XXXX if there stating I dont this must be security fraud on there side because they legally placed the info on there website showing that members have equity. I need help with this please they wont let me transfer that equity to my principal balance to zero out my bill that is resulting in my being late. Account is # XXXX | ||||||
| 07/29/2023 | Yes |
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| After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. IRS INSTRUCTIONS FOR DEBTOR. Instructions for XXXX XXXX received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income. | ||||||
| 08/25/2017 | Yes |
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Web | Servicemember |
| I had a auto loan through Navy Federal Credit Union starting in XXXX. The loan was for a higher interest rate than I would have like but at the time I needed a vehicle and it was the best offer the bank would provide. Long story short, I went through some hardships such as divorce and job loss and tried to re-finance the vehicle but never received a response from the bank or any assistance on plans to make lower loan payments. The vehicle was then repossessed and auctioned and the remaining balance was my responsibility according to the bank. So again I was put on a payment plan however the payments were too high to keep up with and fail to continue to make them. I had a direct deposit going to the account that Navy Federal never debited nor did they provide me a way to pay the loan using my online portal. Once I switched jobs again and setup direct deposit to my checking account Navy Federal just decides they are going to take 90 % of my deposited paycheck without any warnings or notification. During this time I ask to have some of the fund returned back to the account but was denied on XXXX/XXXX/XXXX @ XXXX cst and on XXXX/XXXX/XXXX XXXX cst by two different customer service reps who claimed to not have the authorization to return the funds. I also express I have a court order to pay those funds to Child Support enforcement and that typically those funds would not have been placed in the account since they are deducted straight from my paycheck. Again I was denied and instructed to call back on XX/XX/XXXX XXXX/XXXX/XXXX. Banks acting as collections agencies should not have the ability to, without warning and justifiably garnish your paycheck. | ||||||
| 12/23/2022 | Yes |
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| Date : XX/XX/2022 Amount : XXXX dollars ( XXXX + XXXX ) Actions : Made two appeals I made my prior appeal to the bank after first urging the " pending, '' transaction to outright be canceled, the Navy Federal worker told it was possible to do that ( Remember this fact ) but I should wait a couple of days for it to go through, get a new card and make the transaction because my story seemed true. I was given a provisional credit and after a month, I was sent an email saying my transaction was denied. I was not given a specific reason in the e-message but that it was rejected on the basis of my account history, transaction details and " discrepancies, '' between the claim and my account. Confused, I called for an explanation and they told me on the phone that it was because it was consistent with my account ( I have never sent anyone more than XXXX in the past year or even XXXX ever ), transaction details ( Addressing my facial ID, in which I told them that I willingly sent this stranger who was asking me for money XXXX, was told the money did not send then to be nice just doubled it to XXXX ) and they could not explain these " discrepancies, '' I was switched over to the fraud department and a lady told me to send pictures of all my apple transactions, proof I did not know the person and explain the token issue. I explained and she told me out of her mouth that " I should get the appeal with all the evidence I brought forth. '' I wait another month and yesterday I sent an e-message to Navy Federal that my investigation is not being taken seriously then they replied less than XXXX hours stating my appeal has been denied again without explanation. | ||||||
| 12/30/2022 | Yes |
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Web | Older American, Servicemember |
| I made a fraud complaint on XX/XX/2022 of {$50.00} it was investigated and approved on XX/XX/2022. I was told to go to my local branch to receive a new card. I went in to the branch and received a new card. I used the card on XX/XX/2022 at XXXX for {$12.00} and the card worked this was at around XXXX. I went to the grocery store at XXXX and my card didnt work. I called Navy Federal Credit Union and they told me that my Debit Card was suspended for 1 year. They never gave me notification that they were going to suspend my card and this left me at such a disadvantage as I had no access to my money. I couldnt purchase food to eat and should an emergency had arisen I had no way of obtaining my money. I called and spoke with a supervisor at Navy Federal Credit Union this morning XX/XX/2022 and was told that they placed the suspension upon my Debit Card because I was irresponsible. I asked was it because I filed FRAUD? she said yes! I asked had I done anything fraudulent and she said no! Its because Im irresponsible with my Card which allowed the fraud. In my defense I have never ever misused my Debit Card. Ive been a member for 7 years at Navy Federal Credit Union and Ive never ever done anything that I wasnt supposed to do as a member. Now they are punishing me because I submitted a FRAUD which we as members our allowed to do. But, Navy Federal Credit Union is punishing me for this by suspending my Debit Card. I also filed a complaint with XXXX prior to going to my bank. I have attached supporting documentation. What they did was evil and malicious as they did this with out notification which left me helpless and without access to my funds | ||||||
| 09/09/2019 | Yes |
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Web | |
| This complaint is regarding my case # XXXX with Navy Federal Credit Union. On XX/XX/2019, I noticed an debit in the amount of {$840.00} from my checking account. I immediately contacted NFCU, and I was advised that this was a debit from XXXX. I then advised the representative that I had not authorized XXXX to debit any funds from my account. At that time I was given a provisional credit for the same amount. On XX/XX/2019, I noticed that NFCU had once again debited that same amount of {$840.00}, that as given to me as a provisional credit from my account. I have not authorized any transactions to XXXX in the amount of {$840.00} and I am in possession of my debit card that is linked to my checking account. I am requesting that the total amount of {$840.00} be returned back to my account. I am a single parent and to have unauthorized transactions debited from my account is fraudulent. I have paid my cellular phone bills to XXXX with my NFCU checking account when I was a customer of theirs, however, I am a customer with XXXX XXXX XXXX now and has been for 6 months. XXXX has obviously and without my consent used my previous payment information to withdraw the {$840.00} from my account. That is not fair and it's criminal. I did not even know that a company is allowed to keep your payment information on their files and use it at their convenience. If XXXX has a problem with me owing them money, then there are collection procedures and even court that can be utilized, but they should not be able to take money from my account without my authorization or knowledge. Please help me get this issue resolved because NFCU has not resolved this issue fairly. | ||||||
| 04/01/2022 | Yes |
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Web | Servicemember |
| I changed my insurance company back in XX/XX/XXXX to increase my coverage to make sure my house was properly covered after the recent increases in construction materials. My mortgage company took almost 3 months to pay the insurance company from my escrow account and when it did it submitted a duplicate payment which caused an escrow advance. During these 3 months my insurance company had to reverse a payment made by me out of pocket because according to the mortgage company the payment must be made by them from the escrow account. In XX/XX/XXXX I received a letter from the mortgage company requesting a payment of XXXX to cover the escrow shortage ( which was caused by their own mistake ) and the new projections for XXXX to avoid my mortgage payment to increase {$400.00} dollars by XX/XX/XXXX. Since XXXX I have been in contact with both the insurance and mortgage companies to resolve the issue they have caused and after more than XXXX XXXXhour calls they still haven't figured how to resolve the issue. According to both the insurance agent and one of the mortgage company 's home lending advisors the check was never disbursed since the insurance agent called the mortgage company and was asked to send the check back to them. Now the date has come in which I have to make additional XXXX payments to my mortgage company, and I do not have the money to cover that additional payment. I am a veteran that suffers of mood disorders and suicidal thoughts with a wife and XXXX kids, and I can not afford to lose my house. All this issue has caused me several illnesses, including not being able to sleep for more than a week, and been put in sleeping pills. | ||||||
| 08/22/2016 | Yes |
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Web | Servicemember |
| On Thursday XXXX XXXX, 2016 at XXXX XXXX, while working XXXX my boss sent me a text message stating that she needed to discuss a matter concerning my finances from a banking institution that intertwined with a client of mine. When I returned to the office, from my break, I received a phone call from my client stating that a letter from Navy Federal Credit Union was address to me with his address on it. I asked the client to come to the office immediately and when the client got to the office he showed me the letter, which did in fact have my name with his address. The letter contained my personal loan information, such as the loan number, the dollar amount of the loan, and a pay off amount to clear the loan. This letter was sent by Recovery Specialist XXXX XXXX with Navy Federal. I called the Navy Federal number XXXX and spoke to a representative and told her what was going on and she told me to call back the following morning to talk with the Supervisory Recovery Specialist. I called back the next morning and spoke to a Supervisor Recovery Specialist XXXX XXXX XXXX XXXX. She told me that she was advised by her supervisor not to discuss this matter with me. I asked to be transferred to another supervisor and was transferred to a supervisor with the last name XXXX. This person told me that Navy Federal did n't do anything wrong and would not tell me how she got my client 's address or how my client 's address was linked to my account. When I requested to speak to her supervisor she refused to put me in contact with her supervisor and hung up on me. My employment with the XXXX was terminated seven days after they were notified of the letter. | ||||||
| 11/20/2017 | Yes |
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Web | |
| To whom it concerns, My name is XXXX XXXX. A month ago I applied for a new XXXX XXXX with Navy Federal Credit union and was approved for a 15.99 % interests rate with a {$15000.00} limit. One day a week after I got the card, my grandson logged into my account for me, and I typed a letter to add him as a authorized user. It was approved by secure message. The following week my accounts at Navy Federal were all disabled. I called to see why, verified my identity. I sent them my Drivers License as well as my signature 4 times. They then requested I send in my daughters PoA which I did, then they requested we get proof Im XXXX by my doctor because I cant walk. I use my card online to pay bills, and order things. I mail in my payments. I sent them letters proving Im XXXX and cant walk. From my doctor. I am now being told to contact the fraud department. I contacted the fraud department and now I am being told I cant use my accounts unless I get a note from my doctor saying Im mentally decapitated. Which I am not, or I come in branch which I cant because I had XXXX XXXX and am XXXX. I do not leave my house. I have complied with all their request and the card shows up on my credit report as active but I cant use it or any of my accounts at Navy. This has gone on over a month. No one there cares, and is discriminating against me because Im handicapped elderly. This is crazy they wont even let my family speak on my behalf if I give them permission. So now I am turning to you for help further. Because this isnt how you should treat a member. Also now they have lowered my credit score because of the inquiries I cant get credit elsewhere. | ||||||
| 12/04/2023 | Yes |
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Web | Servicemember |
| I had a credit card debt, through Navy Federal credit union. During the year XXXX or XXXX, that debt, roughly XXXX. Was placed into litigation with a 3rd party, XXXX, XXXX, and XXXX. Over the span of a few months, nfcu reallocated multiple deposits to XXXX. After that period, and receiving XXXX, estimated. They ceased to seize funds. XXXX of XXXX they began to seize funds again. Nfcu told me they are unable to view any details of the remaining balance. I created an online epay account with XXXX. Was then able to verify as of XXXX XX/XX/XXXX. Current balance of total debt, XXXX {$27.00} XX/XX/XXXX, Nfcu transfered XXXX $ to XXXX. Exceeding the debt by XXXX $ I called NFCU to address the infraction. I was told that this type of transfer was how collections is done. They take a large sum, deduct their due amount and return the funds. I attempted multiple times to speak with a representative of XXXX 's collections department. XXXX. Each time only getting voicemail and getting no responses or calls. Then, calling NFCU to ascertain any information about reversing the funds. Was told multiple times they can't do anything. I requested multiple times to dispute the transfer. Stating the 3rd party XXXX exceeded the debt by XXXX $ Though, I wasn't directly told no. NFCU wouldn't acknowledge the request. And would only tell me I needed to speak with XXXX if I had any complaints. XXXX debt balance with wwr XXXX $ ( XXXX to prove it ) XXXX XXXX took XXXX $ Nfcu stated XXXX placed a reversal on the funds. XXXX business days. Day XXXX is today XXXX. No funds returned. Attempts to fix this have been fruitless through both entities. NFCU and XXXX. | ||||||
| 01/26/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023, I applied for a $ XXXX loan with Navy Federal Credit Union to help pay off some debt. I submitted my application and was denied based on information in my consumer report. Well, I appealed their decision and was yet again denied based on information in my consumer report. I have been discriminated against based on bias information in my consumer report which is against the law. I, the consumer a natural person, was denied credit by NFCU when I applied for a $ XXXX loan on XX/XX/2023 Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691C and is pursuant to civil liability under 15 U.S.C. 1692k. You can not deny me based on information in the credit profile as that is discrimination which is prohibited and a violation. You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by NFCU. NFCU is in violation of 15 U.S.C 1642, U.S.C. 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. You are in further violation because my social security number ( credit card 15 USC 1602 ( L ) ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NFCU. If NFCU fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make NFCU criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for all violations ( { {$1000.00} } per violation ). | ||||||
| 10/02/2018 | Yes |
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Web | Servicemember |
| On or about XX/XX/XXXX I filed a complaint with Navy Federal Credit Union regarding two purchases made. These purchases were made to buy airline tickets with two airlines ; XXXX XXXX and XXXX XXXX. Navy Federal Credit Union is failing to properly investigate my claim. When they resolve my claim, they indicate that I used the airline tickets when in fact I did not. The disputed transactions are : XXXX XXXX on XX/XX/2018 for approximately XXXX XXXX XXXX ( approximately {$100.00} USD ). The record locator number for this cancelled ticket was XXXX. This ticket was for travel on XX/XX/2018 from XXXX XXXX to XXXX XXXX. XXXX XXXX on XX/XX/2018 for XXXX EUR ( approximately {$160.00} USD ). The record locator number for this cancelled ticket was XXXX. This ticket was for travel on XX/XX/2018 from XXXX XXXX to XXXX XXXX. Neither of these two tickets were used. XXXX should ensure the airline is referencing these two tickets when disputing the transaction. I furnished documentation proving that I cancelled these two tickets and the airlines agreed to issue a refund. Nevertheless, XXXX continues to claim that I used the tickets. I believe their confusion may be that I did purchase two other tickets with the same airlines after these purchases were made, but they are either disputing the wrong transactions with the airlines or the airline is giving them the incorrect information on the used ( but not cancelled ) tickets. To be clear, there were four tickets purchased. Two were used ( and are not disputed ) and two were cancelled. I have asked for a representative who handles the dispute to contact me, but I do not receive a phone call back. | ||||||
| 11/05/2022 | Yes |
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| I opened a secured credit card for {$1500.00} in XXXX at Navy Federal Credit Union by choice. I qualified for a unsecured card but chose to get a secured credit card. On or about XX/XX/XXXX I got XXXXXXXX XXXX XXXX XXXX XXXX and has been XXXX since. I was in good standing with my card then which was secured by my checking and savings accounts. Someone began using my card without my permission and Navy Federal switched my card from secured to unsecured and increased the amount to {$2000.00} without my consent. The card was maxed out and left unpaid. Navy Federal then put it on my credit report and that's how I found out. I contacted Navy Federal and told them I dispute it bc I never consented to switching to unsecured nor a limit increase. Navy Federal said it was in my terms and conditions when I got the card. I disagreed and asked for a copy of the term and agreements. Navy Federal has failed to produce such. Instead it has continued to make a false reporting. I also asked for a audit of my account to see if Navy Federal did a tax write-off on my account but Navy has failed to respond. I also asked for proof, date, when Navy released my security {$1500.00} back to my account and was not given such. Therefore, I can not be held responsible for anything done after {$1500.00} or after I was XXXX on XXXX XXXX. There should have never been a balance increase to {$2000.00} Navy Federal has violated several FCRA laws. The forcing of me from a secured credit card to a unsecured credit card is against the law. Those are two different contracts with different rates, restrictions, and etc. Just like the stuff XXXX XXXX did. This must stop. | ||||||
| 10/10/2021 | Yes |
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Web | Servicemember |
| I have been with NavyFed for 8 years and have never been treated so poorly by any other institution in my life. My current NavyFed is located at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. On XX/XX/2021 our state Governor lifted the mask mandates making masks a recommendation not a requirement. On that same day I went into my branch to make a deposit and was met at the door by the branch manager who immediately demanded I wear a mask. I said no thank you and she immediately became very aggressive and yelled You wear a mask or you DONT come in! At this point I obliged and put the mask she offered on. She then stands off to my left staring at me and begins to harass and belittle me in front of other members. By this point I became upset and said close my account and left the building. This is when she started to damage my credit and anything else she had the power to do by reporting to the credit bureaus missed payments for a debt over 7 years old that should be off my credit report. I few weeks later I received a letter from NavyFeds physical security dept threatening me in an attempt to intimidate me from disagreeing with her. This same women has also harassed other NavyFed members in front of everyone in the building, ONLY hires females and hates all military personnel and freedom. Its sad to see an entity claiming to be military friendly but then hiring people like her who treat our nations service members and veterans like this. To go out of the way to cause harm to consumers who do not agree politically with her or NavyFed is unethical and UnAmerican. I have in possession my credit report the threatening letter to support my claim. | ||||||
| 02/06/2018 | Yes |
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| Me and my wife got approved for a home loan at 4.25 with tier B credit levels. I had a few medical debts that I was told to leave alone considering we had already gotten approved, and we didnt want to change anything that could affect our credit. It was a loan on a construction home that was going to be ready to close on the first of XXXX. With that being said we werent given the chance at a rate lock of the 4.25 because the loan officer and processor couldnt get any paperwork turned in or requested in a reasonable amount of time. The final rate lock would have secured our loan. The problem is that they never discussed any of this with us when it was supposed to be done which was 90 days before XX/XX/XXXX. When they did finally decide to run the credit for the rates, a few medical bills in the past opened up as new open debts. This caused my score to drop well below any approval for any mortgage. I do understand that the medical debts are still my responsibility. I also take full responsibility for my debts. My problem is that I was following the directions of the bank employees step by step and they decided that they would reciprocate their efforts with laziness and lack of communication. I do apologize for the complaint being out of order and misdirecting. I have been put through six months of an emotional roller coaster. Just to have to be given a very hard and unclear no to the house that we watched be built from the ground up. The personal investment that was taken by Navy Federal and their lack of commitment can not be undone. I really hope that other customers dont have to be put through what me and my wife have been put through. | ||||||
| 01/21/2022 | Yes |
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| My car loan stopped reporting in XXXX of XXXX after filing bankruptcy XXXX XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting navy federal since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had 3 investigations open with the bank on why its not reporting only after being told its been reporting every month. Navy federal assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted XXXX and XXXX every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXX federal says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have 3 years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with navy federal and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly. | ||||||
| 12/02/2019 | Yes |
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| On the date of XX/XX/2019 XXXX XXXX ( XXXX XXXX ) I made a deposit into what I thought was a Navy Federal Credit Union Partner. XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, LA XXXX. I deposited a total of {$600.00} the ATM machine failed to return my money and instructed me to contact my financial institution in order to get my money back. The following day XX/XX/2019 I went into the XXXX Branch in XXXX and they explain to me that my money was in fact in the ATM and it was out of balance, but in order to return my cash I would have to get Navy Federal to contact them to do so. So I submitted a complaint with Navy Federal with Supporting documentation and they failed to even research the first claim. So I called and resubmitted it with the SAME documentation as before and they finally responded. So they instructed me to get the ATM terminal ID. I went into the XXXX branch and two branch representatives gave the XXXX rep the terminal number. I was told it could take up to 30 days I called twice a week for updates and I was told that I had to wait for visa to clear it and I believe that was only said to get me to not continue to address this matter. I waited for sometime and the status hadn't change. I called again and I was told they had the wrong terminal ID number. I don't know how could that be possible when the number was given to a rep for navy federal over the phone directly. Someone is not doing their job. All I want is my money returned to me now. its not hard to credit my account as they have been dropping the ball for almost three months. please fix this matter immediately for claim number XXXX thank you, XXXX XXXX | ||||||
| 07/28/2019 | Yes |
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Web | Servicemember |
| I am a Service XXXX XXXX XXXX Veteran at present existing on Subsistance Funds. I discovered on XX/XX/2019, that Navy Federal Credit Union ( NFCU ) had on XX/XX/2019, removed {$1700.00} of Chapter XXXX protected/exempted Veterans Benefits monies from my checking and savings accounts. An attempt to retrieve monies I owe for debts lost due to my being defrauded. I contacted NFCU about the problem and was told to provide proof of Protected Funds. While doing so, on XX/XX/2019, NFCU captured and removed another {$2600.00}, Chapter XXXX protected/exempted subsistence check, totaling {$4400.00}. That was coming back to me from the college I attend under the Chapter XXXX Veterans program. I faxed 3 letters of proof of Protected/Exempted Funds. In addition to calling again and speaking with the LCR Department Customer Service person XXXX, then her Supervisor, XXXX, a third time. Where I was told the only way I could retrieve my funds was to agree to turn over my entire protected monthly subsistence check. Then she would only return a small portion of what was taken. Then when I requested to speak with a Manager. XXXX told me that the only person of stature I could discuss this with was herself. Even with a letter from the Attorney of my having filed Bankrupcy, and another letter from my Veterans Representative expressing my Chapter XXXX status and the school of attendance. Both provided contact information for any additional and necessary information. XXXX refused and said she was not going to refund to me any amount. This was on my fourth call back after being promised a return call from XXXX twice. Including my being hung up on twice. | ||||||
| 06/21/2022 | Yes |
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| I entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. It is a fact that I extended my social security card to Navy Federal Credit Union : which is ; Pursuant to 15 USC 1602 ( l ) any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Furthermore, a finance charge was involved. Congress told me that a finance charge pursuant to 12 CFR 1026.4 ( a ) is the cost of consumer credit as a dollar amount, it does not include any charge of a type payable in a comparable cash transaction. In brief, pursuant to 15 USC 1605 a finance charge is the sum of all charges, and because I know what a finance charge is. 1. I should not have been receiving bills through interstate commerce, 2. This credit card should not have been closed, by these people. 3. This is classified as Unauthorized use under federal law. Furthermore, 4. I should not have been denied credit twice, which constitutes discrimination. Lastly, they should not have furnished this experience that we have with each other on my consumer report without my permission per federal law. This constitutes fraud and Identity theft under federal law and I have XXXX the XXXX off, this XXXX!!!!!! and wrong!!! Although I have sent them a cease and desist letter, They are still contacting me and reporting on my consumer report. In addition, I requested verification of this account and they have failed to do so. This company has damaged my reputation, my health, and my mode of living. Navy Federal Credit Union is in violation of the detailed subchapters of TITLE 15 USC CHAPTER 41. | ||||||
| 05/12/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I was pre-approved for an auto loan XXXX with Navy Federal. I had purchased a vehicle in late XXXX and returned the car within the first weekend of having it due electrical issues. On XXXX XXXX, I informed Navy federal customer service that I would be returning the car and for them to do a stop payment on the check. I was told to sign the Indemnity Agreement form and send it back, a week later my entire preapproval was canceled in the system, I only learned this when I tried retrieving a new check at the bank location that the loan had been canceled in it's entirety. On XX/XX/2022 I talk with customer service supervisor over phone while sitting with a agent at the bank and was told by her that " I told them to cancel the auto loan because I no longer needed it ''. I informed her I never stated that and can you all pull the recording of the conversation, she stated that it would take one to two business day to retrieve the recording and someone will call me back. The next business XX/XX/2022 the same supervisor called and stated that she did some research and there was no need for the recording to be retrieved because she realized the problem and that because I returned the car, that's why the loan needed to be canceled and would have to apply for a new one. I hung up and talked with another supervisor who stated that the loan was canceled due to an error on their end, but I would still need to reapply. I stated that because you all made an error why do I need to pay for it and have my credit hard pulled again just so now this time you can deny me for said loan. I now wish for some one to look into this erroneous error. | ||||||
| 01/24/2021 | Yes |
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Web | Older American, Servicemember |
| Sometime in XX/XX/XXXX, I noticed that {$7500.00} had been added to my checking account at Navy Federal Credit Union. I wasn't sure about how those funds were added because the regular deposits I have sent to my savings account plus COVIN money was approximately that amount. Then I discovered that the {$7500.00} was sent to my checking account from my Credit Card account. Then I discovered that my checking account was charged {$32.00} for interest on the {$7500.00} loan. I never applied for a loan. I did not want a loan because I did not need a loan. I had several telephone calls with NFCU all with unsatisfactory results. I requested NFCU to cancel my Credit Card account. I then destroyed my NFCU credit card. They ignored my cancel request and sent me a new credit card. I destroyed the new card without ever using it and made another request to cancel my credit card. My request to close my credit card account was finally honored and the {$7500.00} and {$32.00} interest transactions were reversed. At present my savings account and my checking account are frozen. This occurred some time in the beginning of XX/XX/XXXX. I use my NFCU checking account to pay bills online and my saving account receives funds from several income I receive monthly. NFCU claims my accounts have been frozen to protect my funds, but now I am facing late payment charges from my creditors and a lessening of my credit rating. I need to have my accounts unfrozen so that I can close all my NFCU accounts and transfer my funds to a different bank. Yesterday, XX/XX/XXXX I received a letter from NFCU that didn't make any sense at all. I will attach it to this complaint. | ||||||
| 06/20/2017 | Yes |
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Web | Servicemember |
| Existing account Fraud. On XXXX/XXXX/17 someone fraudulently accessed our Navy Federal Credit Union ( NFCU ) savings account online under my wife 's name utilizing her our account number, her date of birth and social security number and transferred to another NFCU member in the amount of {$3700.00}. The name of the member money was transferred to is XXXX XXXX XXXX. This person was able to establish account access even under an obvious fraudulent email address of XXXX. We do not know this person or have an affiliation with this person. We reported the incident within 2 hours after the transfer occurred as it was brought to our attention that NFCU had froze our account. We went to the nearest NFCU branch at XXXX XXXX, MD and reported the fraud to them and our complaint was submitted to NFCU Fraud Department under Fraud # XXXX. Since then we have closed our savings and checking accounts and have established new accounts. In addition we received new credit and debit cards. When calling to check on the status of this investigation with NFCU we get the same answer over and over, that is it is pending and will take 10 business days. Well it has been 10 business days and we have not received any updates to this investigation and have not received any of the {$3700.00} dollars that was fraudulently taken from our account. I 've asked to speak with NFCU security and the investigator assigned for updates only to be told that they are not available and that the status is pending. Having been a member with NFCU for over 20 years this kind of treatment and refusal to give me more information regarding this is beyond comprehension and frustration. | ||||||
| 04/05/2022 | Yes |
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| I had all of my accounts restricted due to having someone send a transfer from their account to mine. I have reached out to NFCU more times than I can count over the last 2 years about getting this issue resolved. Originally, they told me they needed verification of the transfer, in which she called NFCU to verify as well as NFCU contacting her bank to verify. From there they kept telling me that the funds would be released soon. Finally, they told me about 4 weeks ago that they would release the restriction and give me access to all of my accounts and money once my negative balance in one of my accounts was settled. This negative balance was an error on NFCU end, in which I did an appeal for the money due and they finally restored access to my bank card and online access. They restored access to all of my accounts with them except my account with the funds that I had received. I asked them to close out the accounts with XXXX balances, which they did but I have still yet to receive access to my account with money or to the money at all. Over the last 4 weeks they have been telling me that the money would be available to me " soon '' and that it is processing, but it has been around 2 years with them telling me the same thing and coming up with another issue to not have access to my money. I asked them to transfer the money to my joint account which has not happened. Anytime I call they say the money is processing and that they don't know why it is taking so long and to come in in 2-3 days. I have been told to just wait and follow up every time I speak with them with no clear answer as to why I still do not have access to my funds. | ||||||
| 08/17/2015 | Yes |
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| I was recently approved for a Navy Fedral Credit Union credit card in combination with my checking and savings account that I have with NFCU. I needed to pay a few bills and I was in between pay cycles at my job and I decided to use a portion of my line of credit to have cash ( {$1000.00} to be exact ) transferred from my credit card into my checking account online through my NFCU online account on XX/XX/XXXX. As I went to the bank to withdraw the funds I went to the drive through and presented my Drivers License and asked to have the funds withdrawn which was when I was told that I needed to come inside the bank branch and show my Driver 's License, Proof of Residence and proof of my Social Securtiy Card. I was of course shocked to discover this so I called the bank and provided my verbal password and confirmed my phone PIN with the phone bank rep. I explained to the banker that I had every document to send except my Social Security card including my XX/XX/XXXX XXXX 's the banker explained that it could not be accepted and the only option I had was to show my Social Security Card. The banker also explained that in addition to sending my documents that I would have to wait 24-48 bus hours for them to be reviewed, despite the weekend approaching. Therefore I was forced to take time off of work and go to my local Social Security Adminstration office to apply for a replacement card since I could not locate my original card. Considering the fact, that I am a Fraud Manager at another financial institution and I am familliar with fraud security and fraud proccesses, however there was ABSOLUTELY NO willingness to help a customer in need. | ||||||
| 11/22/2023 | Yes |
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Web | Servicemember |
| I was XXXX in the Illinois XXXX XXXX XXXX from XXXX through XXXX. During that time someone gained access to my debit card and charged over {$15000.00} worth of charges to my account. They updated the amount t to {$12000.00} almost immediately after receiving my claim for some reason. I sent a letter to NAVY FEDERAL CREDIT UNION in XXXX ( which they received XX/XX/2023 ) to explain that my account had been wrongfully accessed and I was in jail and needed it to be locked because of fraud. They locked my account on XX/XX/XXXX. When I exited jail on XXXX I called them and explained the situation. They had me submit my incarceration paperwork and all of my identity verifying information. Once I submitted everything they needed, They told me they have a XXXX liability policy and it was clearly fraud and that I needed to fill out paperwork to begin my fraud claim. I did that and submitted everything ( after many MANY attempts to get them to accept a fax ). They opened my claim on XX/XX/2023 and told me that I would receive a provisional credit anywhere from 2 hrs to 10 business days. I continued to call and check on the status of my claim and they kept changing the provisional credit dates. It went from the XXXX, to the XXXX and then to the XXXX. On the XXXX I called to find out why I was still not receiving my credit and they informed me that my claim was denied. Navy federal is known for not paying fraud claims but this is insane. I mean I was in XXXX. Theres absolutely no way that I couldve made these charges and a fraud claim couldnt be anymore clear cut than this. I need something to be done about this and have my money returned. | ||||||
| 06/09/2022 | Yes |
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Web | Older American |
| Again the Credit Idiots are screwing me once again. My BRAIN told me to refinance my mortgage. I didnt know I was going to get XXXX in the Process and be stalked to get it accomplished. My brain then planned to get my retirement vehicle. Nope that would be to easy. I had XXXX in debt in XXXX and had a XXXX score that you show to the me the consumer but you the Lender get a different score. What's Fair About that? So anyway that doesn't work so I just decide to get my automobile. Boy that was so much fun because of the irrelevant data the bureaus use to calculate their scores that then then go and sell to the Creditors who then in turn to determine who you slept with to get a loan. In my case I had gotten a loan a year ago with a XXXX per interest rate and a XXXX per month payment. I was approved for XXXX. I traded a car and only used XXXX so I just started paying XXXX per month even. After much aggravation with the mortgage loan I decided to just go for my retirement car anyway. I asked the credit union for XXXX and they approved me XXXX. I was looking at a car that cost XXXX. With the new approved car loan now I have a XXXX and a XXXX car payment. That totals {$1200.00}. To me, if I can qualify for 2 car payments why cant I just have one car note of {$1200.00}. The way they did the loan it cost me {$13000.00} more cash than I would have had to spend. I got 4 different rates with final being XXXX I wish I could have compared all three credit unions before I had to choose. What's Fair About that? Now to the Mortgages, The same credit union that aproved my auto loan turrned me down due to misinformation at the credit bureaus. | ||||||
| 04/13/2021 | Yes |
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| Today is XX/XX/2021, I went to the bank to deposit the money left on my stimulus XXXX card, I waited in the drive through line, when I got to the teller she told me they can't do that at the window and go inside. Once waiting in the line just to go into the building a gal comes to me to ask me what I was doing today at the bank, I told her and she informs me that I need to forms of Id, I tell her I have a drivers license and ss card, she tells me it won't work and they will take vehicle registration, I have to go get it them wait back in line with more people in front of me. This is ridiculous, worse than XXXX as far as customer service. More people are in the line now, now I wait and wait and wait, get the picture, I'm XXXX now!!! I get up to the counter which has plastic protecting the teller and all are in masks but there is a rope up that you have to run into to put your paper work on the counter, ridiculous, I get up to the counter and they tell me I need to call and get the balance myself, now I'm very angry and they tell me I can't use their phone and they can't call, I have to get out of line go get my phone and get back in line again!!!!!!!!! I asked to speak to the manager, no-one ever came, when I asked for a regional manager phone number they would not give it to me I asked 5-6 times before I got it, I have driven to my office looked up this email and I am still on hold to take to someone on their reg call line so I'm sure this is not a phone number for any manager and they tell me to ask for XXXX XXXX who I'm sure has no managerial experience at all. what a joke. They are worse than XXXX and as bad a XXXX XXXX XXXX! | ||||||
| 11/02/2023 | Yes |
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| On XX/XX/2023 a furniture store failed to deliver usable furniture. They tried to deliver damaged furniture. I did NOT sign for the delivery and refused delivery. I tried to work it out with the furniture store and they NEVER redelivered the furniture. After not being able to rectify the situation with the company I called Navy Federal Credit Union to reverse the charges of XXXX. Navy Federal advised the merchant sent them a delivery receipt that I signed along with a statement from me I clearly did not right as well an altered finance company contract which the merchant blocked out my paragraph which stated I am not signing for delivery until I get the item in a new condition and me denying the charges. I clearly did not sign for this delivery. Navy Federal failed to fully investigate and even with me sending them proof of contract and proof of altered contract along with FTC complaint and Police report they still charged me checking account and refused to refund my account. As per 15 usc 1681 once they were advised of the identity theft which in this case Aggregated Identity theft because my name was forged and business records were altered they were supposed to protect my consumer rights and block this merchant from recharging and return the payment as per their own fraud protection measures on the Navy Federal Credit Unit site once supplied with the Identity Theft affidavit and Police report information. I went so far as to send them my index number for my civil suit for fraud, identity theft and breach of contract. Navy Federal Credit Union continued to Violate my Federally protected rights and not charge back the merchant. | ||||||
| 10/17/2023 | Yes |
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Web | Servicemember |
| Over the span of two months ( XXXX XXXX XXXX ) someone was using my credit card to make purchases through XXXX ( XXXXXXXX XXXX and XXXX ) without my knowledge or permission. Once my card got overdrawn and I was notified that someone was trying to make purchases toward my account I checked the mobile app and saw that I was indeed overdrawn even though I had stopped using the card altogether over a week before I was notified. I called navy federal and together with a clerk we went through my transaction history on my card and my XXXX history and anything that was on my credit card statement but not on my XXXX history was marked as fraud. The amount came out to {$2200.00}. After my initial fraud claim got denied I was told to get proof from XXXX such as the transaction history and send it to the bank so I did that and even though I sent my XXXX transaction history, I was told that wasnt good enough evidence for the appeal. I was then told to find other pieces of evidence and when I asked what else would suffice I was told that I would need something from XXXX stating the purchases were fraud. After talking with XXXX for a few weeks they acknowledged the fraudulent charges and said they would refund me ( they still havent after almost a month ) and I sent a screenshot of that to the bank after I still hadnt received my refund ( as I was told to do by another Navy Federal bank clerk ) but the investigator said that still wasnt enough. After asking again what I could get that would be seen as sufficient evidence I was told that there was not going to be another appeal chance and that I would have to deal with it directly with XXXX. | ||||||
| 10/09/2023 | Yes |
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Web | Older American, Servicemember |
| I demand NFCU credit my account in the amount of {$270.00} and any additional compensation, they feel appropriate for my time and effort in pointing out their shoddy inappropriate banking practices. Background : CFPB closed complaint XXXX ( attached ) discussed crediting my credit card account {$130.00}. Instead, NFCU took {$130.00} from my credit card account on XXXX listed as an account adjustment, ( portion of account charges attached ). I called NFCU on Monday XXXX ( five days later ) and talked to two credit card department employees ( XXXX and XXXX XXXX and the discussion included a third person ( a supervisor that would not provide a name ). They said the {$130.00} was a credit and agreed it was not credited to the account ; but withdrawn. However, after nearly 30 minutes on the phone, they would not fix the problem and instead required me to call back tomorrow. This shows that NFCU has a complete inattention to detail, no checks or balances, and lacks any accountability or oversight. Supervisors cant even fix a problem when its staring them right in the face. Apparently, NFCU can withdraw money from their clients accounts without authorization and get away with it. Even when account holders try to complain or correct a problem, they make it difficult for account holders to get their money back. Perhaps they felt I wouldnt notice that they had taken the money. They shouldve told me they would correct the problem and call me back, rather than place the burden on me, and require me to call them back. Instead, I thought it necessary to file another complaint with the CFPB, thinking it may provide a faster response. | ||||||
| 08/14/2023 | Yes |
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| On XX/XX/XXXX ( Saturday ) my husband and I applied for a Mortgage consideration securely through NavyFederalCU. This was in an authenticated experience. This application did not included a corporate number of XXXX. On XX/XX/XXXX ( Monday ) beginning at XXXX - XXXX I received 75 phone calls where people are claiming to be mortgage wholesalers and claiming that NavyFederal and XXXX provided them with my information. They were calling on a number that was not disclosed on my mortgage application so I am unsure of where they would have received my information. These calls where borderline harassment as the sales representatives on these calls took strong attempts to keep me on the line. I called NavyFederalCU they assured me it was not their mistake. I spoke with XXXX, and they assured me it was not their mistake. I spoke with XXXX and their customer care team transferred me to the business solutions team as my credit bureau reflected that was the source of the pull. I requested to speak with a supervisor and was denied because I was a customer and did not have a business solutions number. I attempted to call NavyFederalCU again and get a supervisor and the agent told me there was not one available. Provided me a number to a supervisor who was not available. I asked to speak with one that was free and my call was disconnected. I feel like there is an issue with XXXX XXXX XXXX, and these 75 calls that were unsolicited to a number that was not used in my application with NavyFederal. As a consumer I am fearful of what other details these 75 organization or more received about me. These behaviors should be shut down immediately. | ||||||
| 10/03/2019 | Yes |
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| On XX/XX/2019 I woke up and found that my account was at a balance of almost zero when I should have been about {$200.00}. I then saw two unauthorized transactions posted to my account. These were ach debits to which I immediately found the form for the unauthorized debits to report them to Navy Federal Credit Union and shortly after submitting one form per a transaction called the representatives to confirm this form was received. Between now and then, I have called 20 times, been give several different stories, been very rudely spoken to, and forced to deal with an issue I did everything to resolve on my end. I was told I would have both transactions reversed within 2-3 business days of reporting the false charges to which would have been the first day on the first and today would be the 3rd and final day per their policies. Today I have not received one of the two transactions that I was told would be reversed by their policy of process. As a final attempt I called to which Im being told they cant tell me much but to call tomorrow to which I find this absolutely ridiculous. Its hard enough having low funds due to unauthorized transactions but to have to track down the people who are supposed to be fixing it is irritably unprofessionally and against their own policies. I expected both to be processed no later than today but out of no where they can not find one of the two forms I submitted? This is more than stressful and I have attempted to get a straight answer for the last 72hours with no break throughs. This facility time and time again had shown that stealing is more important than protecting finances with their customer. | ||||||
| 06/24/2020 | Yes |
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| I have a loan with NAVY FCU. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. They failed me!! I tried contacting both NAVY FCU AND ALL THREE BUREAUS with no successful resolution. There was definitely an error on their part. You guys are reporting late payments DIFFERENTLY FOR EVERY month for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! You have 120 days late XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX and you have 150 days late FOR THE SAME MONTH! Well, which one is it? I was never 120 days late XX/XX/XXXX! You have 60 days late XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX and you have 90 days late for the SAME MONTH! Well, which one is it? You have 30 days late XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX and you have 60 days late FOR THE SAME MONTH! Well, which one is it? You have me on time XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX and you have 30 days late FOR THE SAME MONTH! Well, which one is it? You have 30 days late XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX and you have on time. Well, which one is it? You have me on time XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX and you have 30 days late for THE SAME MONTH!! Well, which one is it? THIS NEEDS TO BE REMOVED IMMEDIATELY because you have failed to report accurate information and by the FCRA YOU ARE REQUIRED TO DO SO!!!! | ||||||
| 12/03/2017 | Yes |
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Web | Servicemember |
| I received a mail offer for a 0 % balance transfer for a promotion period of 1 year. I went to my account and clicked the link for this transfer. I initiated the credit card transfer from XXXX to Navy Federal Credit union XX/XX/XXXXfor the amount of {$3500.00} and the entire amount was accepted. My statement endingXX/XX/XXXX had total activity amount of {$7500.00} which included the balance transfer amount. I figured if I paid all purchases for that statement which was due XX/XX/XXXX then there would be no interest accrual. I paid {$4100.00} but my actual purchases were {$4000.00}. I paid extra to put some toward the balance transfer balance. My statement ending XX/XX/XXXX had an interest charge of {$11.00} but I could not understand why. I contacted XXXX XXXX XX/XX/XXXX to get some clarity but it made no sense so I sent a reply and further explanation on XX/XX/XXXX but I still had not received another response byXX/XX/XXXX so I decided to call. I explained as above about the interest and he said if my full statement balance had been paid then there would be no interest. The full statement balance included the balance transfer that was suppose to be 0 % interest for 1 year. I explained I transferred to avoid interest but instead still being charged interest. Ultimately I told him I wanted my {$11.00} and he agreed to credit ( it would show up in about 2-3 days ). He further explained interest would be charged again if the entire balance is not paid to include purchases and the balance transfer amount. Bottom line I found this to be a very sneaky way to charge interest because what is the point of 0 % interest balance transfer. | ||||||
| 12/02/2015 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union ( NFCU ) Acct # XXXXAcct Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately. | ||||||
| 04/18/2022 | Yes |
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Web | Servicemember |
| 1 ) After filing for a bankruptcy and having it discharged, Navy Federal Credit Union has a permanent message posted to your account that you see when you sign in on both the website and mobile app platform. The message states " Your account information is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. '' I've called and asked to have this message removed as there is no debt anymore because it was discharged. Therefore, this message only serves as a punitive punishment and " brand '' that Navy Federal gives its customers who fell on hard times and filed bankruptcy. Its as if they are constantly reminding you that you caused them a loss. 2 ) I applied for a Navy Federal Credit Union credit card on XX/XX/2022 and was denied. I knew it was because of my bankruptcy that included a loss to them. However, I sent a message through the secure message portal asking if I will ever be able to reestablish credit with Navy Federal or will I forever be disapproved/declined for Navy Federal loan or credit products. On XX/XX/2022 I received a response that stated they are unable to extend credit to members who have caused Navy Federal a financial loss. The response also stated " If you are interested in repayment information of the loss account balance, please contact our Bankruptcy Department during normal business hours at XXXX. '' This goes against my rights as a bankruptcy filer. They shouldn't even be bringing this up to individuals who filed bankruptcy and caused them a loss. It seems like a subtle hint that if you pay them back they will then approve you for credit. | ||||||
| 07/12/2021 | Yes |
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| Navy Federal Credit Union is refusing to help me regarding an overcharge for an XXXX XXXX XXXX XXXX, without my knowledge, consent, or even attempt to inform me, increased a rate that I had been paying for approx 7 months by XXXX the amount. After reaching out to XXXX several times and threatening a charge back, XXXX finally said they would adjust the charges. However, they did not provide the adequate refund, and still charged me approx {$400.00} too much, even after refunding a little over $ XXXX. As promised, I began the charge back process seeking the additional amount ( wasn't trying to get a reversal on the full amount, just the overpayment amount ). Because I was never even informed of, and obviously did not authorize ( no signed contract ) these charges, when NFCU asked for documentation to support my case, I told them I had none because how can I possibly have a copy of a contract that I did not sign?? NFCU refused to help me and even after contacting NFCU a second time, refused to help me. The following quote was my second contact attempt to NFCU, which they replied with a denial to help me. " You guys closed this dispute because I " did not provide documentation '', but I clearly stated that I did not sign a contract, so how would I have documentation of something I did not agree to??? I stated that if you requested a signed contract from the merchant, that they would not be able to provide one, since I did not sign one, so you guys turned around and asked me instead??? That literally makes no sense at all. This needs to be resolved ASAP, or I will be forced to contact the Consumer Financial Protection Bureau. '' | ||||||
| 07/28/2023 | Yes |
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Web | Servicemember |
| I have made multiple attempts with Navy Federal Credit Union as well as the Credit Agencies to CORRECT and INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have received an Answer to the 3rd Request from Navy Federal Credit Union regarding a specific account ( XXXX ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Navy Federal Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms of information ANY OTHER ADVERSE item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT and responded with all information is Accurate. Completely ignoring the Law. I want the utilization corrected immediately! | ||||||
| 03/30/2022 | Yes |
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| Navy federal states " We apologize for the inconvenience,. Check deposits can not be made by eMessage, and this item is not negotiable for deposit at NFCU. So, in order to fully assist me in understanding and resolving the inconvenience, I request that NFCU provide me with a full disclosure of what NFCU negotiable instruments are because prior to the agreement/contract that we entered into, along with a representative of NFCU saying it was " too late '' because I signed the agreement as if I was bound to the document, but as I fully understand that we have duties and responsibilities to uphold prior to the agreement, as well as the statement made - Navy Federal is authorized to supply any endorsement for the company And any seen the story on any chick or other instruments tendered for the account ( s ). And that statement doesn't say what instruments they are, as if I should know what the other instruments are and if they qualify as instruments. Prior to previous phone conversations, including one that lasted XXXX at XXXX on XX/XX/2020, during which a representative by the name of XXXX was receiving information from a source named XXXX, and also my visit to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NFCU has never disclosed what instruments were negotiable and non-negotiable prior to the statements made by NFCU agents and the statements in the agreement any check or other instrument And I fully understand Commercial paper is a type of negotiable instrument, where the legal rights and obligations of involved parties are governed by Articles Three and Four of the Uniform Commercial Code | ||||||
| 10/29/2017 | Yes |
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| I discovered that in XX/XX/XXXX that someone I was dating was stealing from me. I immediately contacted the police and filed a civil suit simultaneously. As I started to review the drafts on my bank account and credit cards. I had discovered that this individual had been making charges and also fraudulently opened accounts. In the month of XX/XX/XXXX, I also hired my own private investigator and later found out that Navy Federal had allowed this gentleman to obtain checking and savings accounts with me as his sponsor without even notifying me. This individual also has called in checks off of my credit card and actually had an alternate credit card that belonged to me in his possession. When I opened this account for Navy Federal and called to activate the card they told me that I qualified for a different card with better rewards. The agent told me that he would cancel this one and send out the new one. I later find out that Navy Federal did not only did not cancel the card but gave it the same number so when I activated the XXXX XXXX XXXX it activated, the other card that I disposed of was activated as well. I actually have proof from Navy Federal that this individual fraudulently called in a check to pay the bill for another card that he fraudlently opened in my name with XXXX. I have proof of my travel through the month of XX/XX/XXXX through early XX/XX/XXXX that I was in XXXX, IL, but multiple charges were made throughout North Carolina and yet Navy Federal still refuses to reverse the charges. I would like to be given a fax number to send all of these documents at when I try to upload it keeps saying file size to large. | ||||||
| 11/12/2020 | Yes |
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| I Called XXXX, and XXXX to ask them about so inquires that i do not recognize on my credit report. i was informed on how to go about correcting these errors, i was told to contact the creditors who are reporting the inquires. i am diligently working on improving credit. I only have 3 primary cards that i have applied for and all of the other cards are authorized user accounts i have a total of 10 inquires on my XXXX report & 7 on XXXX and 5 on XXXX. a total of 3 inquires should show on my credit report across all 3 credit reporting agencies. i am exercising my rights to have all inaccurate information removed and deleted from my credit reports. i will be attaching a dispute letter with this complaint to show the inquires im referring to also. XXXX Navy Fcu Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank Equifax XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Navy Fcu Inquiry from XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX | ||||||
| 08/16/2017 | Yes |
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Web | Older American, Servicemember |
| Due to medical and financial situation, on XXXX XXXX, 2017, we filed for bankruptcy protection. We did n't include our bank, Navy Federal Credit Union on our petition, since are trying to maintain a good relation with the bank. Two weeks ago I tried to get gas in my card, to find my credit card did n't work. I called XXXX XXXX XXXX, they stated my credit cards and loan have been canceled, since they found out through my social security we filed bankruptcy. We received no noticed from Navy Federal about what they had did. On XXXX XXXX, 2017, we amended our bankruptcy petition, to include Navy Federal Credit Union. The same day I hand carried a copy of our petition to our local branch in XXXX, VA. The agent faxed and scanned a copy to the bankruptcy department. After the agent faxed the documents, she tried to call to confirm they received the documents, no answer. I called and talked to XXXX XXXX, I asked him did he received my bankruptcy papers, he stated yes, with a rude tone, asking me if I had a lawyer, and letting me know there were a balance of {$480.00} owed to the bank. I advised him, my government retirement will be in on XXXX XXXX, 2017, federal law the bank can not take that money from our account, since we filed bankruptcy. Our son, which is the primary owner, has a military checking and savings account. He went to pay his rent and found out he was short by {$480.00} from his account. Our son told us Navy Federal Credit Union have taken money from his account without his authorization and ca n't pay his rent. As you know Navy Federal Credit Union knowingly commit fraud, while taking money from our son 's account. | ||||||
| 12/15/2023 | Yes |
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Web | Servicemember |
| I attempted to open an account through sponsorship in XX/XX/XXXX. I received a message that I couldnt open an account online because of security reasons. I found out I had been a victim of identity theft and in XXXX someone attempted to open and account in my name. Resulting in a profile being created with Navy Federal. After finding out I spoke over the phone with a security team member who advised it would be a good idea to go in person to a local branch. After doing so I successfully was able to open my accounts. 1 checking and 1 savings. I made my initial deposit and everything was fine. Less than 24 hours later my account was locked and I was blocked from having any access. I later found out due to the on going investigation for the fraud that was committed they locked my account to investigate. Fast forward I receive confirmation over the phone and several apologies for the repeat mistakes and federal violations that Navy federal had committed. I was told to go into a branch again to complete my account opening and have said repaired funds transferred. I did that today XX/XX/XXXX. After two hours of waiting and calling and going in circles. I was still unsuccessful opening my account and they werent willing to return the funds I deposited to that exact location previously. Management there didnt want to talk to me and told me to wait in the lobby after I waited in que for 45 minutes prior. This by far is the worst representation of a company and the discrimination against me and my accounts was felt. Several federal laws have been broken by this financial institution. I plan to seek monetary damages for my trouble. | ||||||
| 10/11/2023 | Yes |
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Web | Servicemember |
| Navy federal credit Union XX/XX/XXXX XXXX XXXX {$310.00} a fraudulent charge toward my card. It seems like I keep getting new cards and they keep, no matter what, finding ways to have people fraudulently attack me and my bank account. I shouldn't have to order a new card every month, they don't let me call them or go to there bank branches so I have to pay more fees in ATM and or miscellaneous fees because I simply am not allowed to get any customer service from them. Supposedly in XXXX of XXXX sometime I had a phone call with them and am not allowed to talk to them. I want to know why because they keep harassing and discriminating me so much so I take to social media to vent. I want to know why they just say OOPS literally and make fun of me saying oops like it's not there fault or in my case it most definitely is, but why have I been so mistreated by them and now they are charging me junk fees and getting credit card money that I had to put on my card to start it anyway and they changed the policies and now want to charge me double harassing and calling me everyday saying I am late for a credit card payment. I have never had so many issues with a bank. Please look for footage of a time I went to jail for trespassing in there branch supposedly but the charges were dropped so I can't sue them. I still did weeks in jail for it. Someone owes me time/money. Help me in everyway please, I need to get to my business and that's all they interfere with and it's the most annoying thing that n the world ask the president of the United States how annoying I am please. Oh tell em sorry dude, not my fault. Does this deserve Credit? | ||||||
| 01/26/2018 | Yes |
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Web | Servicemember |
| This stems from a deposit made to a Joint Account owned by myself and my ( XXXX XXXX daughter who was XXXX at the time this account was established ). XX/XX/XXXX several deposits were made into ( Acct # XXXX ) from another Navy Federal Account ( XXXX XXXX XXXX ). I never had access to this money or benefited in anyway. I was never informed of this discrepancy. I had requested two times prior to this incident for my name to be removed from this account when my daughter turned XXXX. These request were never honored. Then XX/XX/XXXX I received my XXXX XXXX pay in my checking acct ( XXXX ) which {$400.00} was taken from that to pay a debt I was never notified of per banking regulations. When this happened I called the bank and they refused to entertain why the money was taken and refused to refund it. I drove 3 hours to the nearest bank the morning before I put my XXXX DAughter in XXXX XXXX for XXXX XXXX after having a XXXX XXXX over the bank and their discrepancies. I went into the bank on XX/XX/XXXX where they refused to remove me from account and demanded payment even after seeing my daughter in a XXXX XXXX unable to make XXXX XXXX. My daughters suffers from XXXX, XXXX XXXX XXXX, and XXXX which gives her XXXX, XXXX XXXX, and problems with XXXX. She just got out the hospital a week ago Thursday and now in XXXX XXXX XXXX. Details of this monies is being investigated for criminal charges. All of this has been explained to XXXX XXXX yet they want to make me the sane person responsible for a debt I had no knowledge of until they took my XXXX XXXX and then setup payment arrangement in order to refund my {$400.00}. SAD INDEED | ||||||
| 08/31/2023 | Yes |
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Web | |
| Navy Federal sent me the following message regarding a check that was issued to me and presented via my mobile app for payment : We're delaying {$2300.00} of your total deposit of {$2500.00} into your account ending in XXXX, received on XX/XX/2023. We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within XXXX business days of your deposit. We understand this may be an inconvenience and are sorry for the delay. Please know, the security of your account is our top priority. If you have any questions, please call us toll-free anytime at XXXX. You can also send us a secure message through online banking at XXXX, or write to us at : Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX The problem with this is that, no such information exists and this his a outright lie that they have told me. The check literally has a phone number to verify its authenticity to which I called and got a tracking number for the Check. Why are they allowed to say inaccurate things without merit and withhold payment yet collect interest at the same time? While the customer is being lead to believe they have real information that is preventing them from cashing the check? I have a 5 day hold on my check for no valid reason based on a lie being told by security which doesnt have anyway to be reached or communicated to in anyway and no recourse to dispute or have such information challenged and or corrected or removed. | ||||||
| 10/16/2021 | Yes |
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Web | |
| XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Navy Federal Credit Union RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX | ||||||
| 11/24/2022 | Yes |
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Web | Servicemember |
| In recent months, I have requested true and accurate information about all of my accounts from NAVY CREDIT UNION CREDIT. The company has refused to provide me with all of my tax information on file, as well as true and accurate information concerning my account. They are dishonorable and have allowed fraudulent activities to occur on all of my accounts, as well as refusing to allow me to view my true accounting and records. On their online portal, XXXX XXXX XXXX account was added to the list of non-NAVY FEDERAL CREDIT UNION bank accounts. There is a restriction on my access to this account. I have not opened this account, nor have I authorized Navy Credit Union Credit or its associates to open or add this account on my behalf. It is my understanding that they have accepted lawful payment for my credit card account. However, they refuse to update my accounts to paid or provide me with receipts pertaining to any financial credit transaction associated with any of my accounts. By reporting publicly fraudulent information on my credit report, they have ruined my payment history. I have suffered hardship as a result of this and my reputation as a trustworthy customer has been damaged. Their conduct is dishonorable. Specifically, I would like NAVY FEDERAL CREDIT UNION / Associates to provide me with all financial credit transactions pertaining to ALL accounts under my name, as well as Tax forms 1099-A, 1099-C, 1096, and 1099 OID as part of my investigation. ( NAVY FEDERAL CREDIT UNION/ Associates are dishonorable and must fix all credit errors promptly and update the account status to true financial credit transactions. ) | ||||||
| 07/28/2020 | Yes |
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Web | Servicemember |
| About XX/XX/XXXX me and my family had a letter in our mail box that was supposed to be signed for the letter stated they where representing Navy Federal Credit Union as well as a letter signed by a county representative and we're notifying us the date our home was being actioned off due to lack of payment since XX/XX/XXXX. I was unaware of any late payments other then one a year or so earlier that XXXX XXXX XXXX payed after NFCU froze our accounts months after they paid a class act lawsuit that the CFPB antiated for doing so then did it to us months after and froze and withdrew, VA compensation, Social Security compensation, DFAS combat special compensation, and reposed one of our vehicles because of one late payment with all my school supplies for a course I was taking payed for by my GI Bill. They have destroyed our credit and finances soon to be homeless created XXXX XXXX diagnosis in our children worsening my wife 's and mine and causing more Medical diagnosis they have took everything from us without legal reasoning. So I would guess just assets alone they have and are stealing alone {$350000.00} if I had to guess the consumption of my family 's life in all along with this snowballed effect and health issues I can't really put an amount they are destroying our lives!!!! So my best guess what ever this CREDIT UNION ownes legally not stolen from others, I believe they are with Billions we want it as well as fellow Veterans paid as well we are not the only ones the VA home loan office told us this is becoming a trend with them and Navy Federal Credit Union this last 6 months this was told to us in XX/XX/XXXX XXXX | ||||||
| 01/18/2018 | Yes |
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Web | Older American |
| I 'recently filed bankruptcy and it was discharged on XX/XX/XXXX. I attempted to catch up car payments for XX/XX/XXXX and as a result, I called Navy federal, customer loan department. on XX/XX/XXXX and was told that I was eligible for a 2 month extension and to call back to confirm on XX/XX/XXXX. I called on XX/XX/XXXX and was told by XXXX XXXX XXXX Bankruptcy specialist ) that I could not get the extension and XXXX XXXX stated that he does not know whom have me that information. It must be noted that, there was a complete application that I had to undergo to apply for this extension which was given to Navy Federal representative over the phone. XXXX XXXX denies that there was ever a extension applied for and stated that I was given incorrect information. It should be noted that I prepared for the extension financially as a result of being told by the customer loan representative, that I was in fact, eligible for the extension and assured me that I would receive it. Now I am being told by XXXX XXXX, that I will not receive the extension and he is now threatening to retrieve my car. XXXX XXXX is clearly unsympathetic to my financial need and is holding the fact that I filed Bankruptcy, against me! by not approving any extension due to me filing bankruptcy. I am requesting that I be extended the extension as I did financially prepare for it and have made preparations to move into a new home. Not approving the extension would place great financial burden on me until such time as the original extension agreement can be completed. I am requesting that Navy federal honor the request that I was told that I was eligible for | ||||||
| 11/19/2022 | Yes |
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Web | |
| my secured credit card gets a fraud just about every time I use it and this has not only caused me embarrassment and hours of time away from other obligations it has cost me monetary suffering. I made a complaint about this issue back in XXXX via phone and email but instead of getting a response and or resolution to the problem I was locked out of not only my credit card account but checking and savings account also without any valid reasoning behind this and I remained locked out from XXXX through XXXX leaving me unable to pay my bills, access my money or run my business as I was self employed. my vehicle was stolen along with my wallet and driver 's license, cards, checkbooks etc inside of it. I spent a countless number of hours sometimes up to one hour and 45 minutes at a time waiting for the fraud department to come on the line. I even went to a branch and sat in the lobby while on hold to show the staff that how impossible it was to resolve my issue if that specific department was the only one who could help me. once I finally got a hold of the fraud department and presented to them, my government issued temporary driver 's license, my social security card and even offered my birth certificate I was rudely told that my documents were unacceptable and when I asked for someone of hire authority to speak to I was told that there was no one about the fraud and security departments and that no money was to leave my account until I had received the non temporary government issued driver 's license. it takes weeks and sometimes months to get an appointment with the Texas XXXX post covid. so I had already waited weeks | ||||||
| 07/15/2021 | Yes |
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Web | |
| On XX/XX/2021 I submitted an application to Refinance an existing mortgage that was under my fiancs name, ( he passed a away so I needed to assume the loan ). Every single contact I received from them requesting Documents or information was answered in a timely manner with accurate and requested information. I received a conditional approval at 2.5 % on XX/XX/XXXX. I contacted my processor and various times to make sure I understood what was needed. I submitted all requested documents. My mortgage payments for XXXX and XXXX were on auto draft thru the same bank. On XX/XX/2021 I called my processor because I had not heard from anyone. I was then informed that my loan was canceled at my request on XX/XX/2021. I never received a call from Navy Federal, I have no record of any call in my phone records or emails. They stated that I requested the loan cancelation due to not being able to make the monthly payment for XXXX. My Loan payment was set on auto draft from the same institution. The payment cleared the same day as every month. I signed a form with date of auto draft request ( Page 3 of the Initial Loan Packet, Easy Pay Authorization. They proceeded to tell me that I would have to re apply for the loan and my 2.5 % would not be held. This is a complete violation of my security with Navy Federal. I never spoke with anyone regarding cancelation of the mortgage refinance, my cellphone should be the only contact number they have on file. There are no missed calls or accepted calls from Navy Federal on XX/XX/2021. I do not know who they spoke with and what verification process they had to move forward with that request. | ||||||
| 03/08/2023 | Yes |
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| Due to Navy Federal sluggish response and reluctant to provide in writing outstanding documents needed to process my mortgage loan in a timely manner I incurred additional cost. The appraisal was received on XXXX, while a request for renovated garage documentation was received on XXXX. A total of 5 Business Days after the appraisal was received and uploaded to my file. I then requested that underwriting decision be provided in writing as a disclosure so I can forward the request to a third party ( seller ). It took Navy Federal an additional 5 Business Days to provide a denial in writing showing the loan was not approval based on collateral. Once the loan was denied on XXXX, the seller amended the purchase contract and proceeded with obtaining a permit for the renovated garage. I called and left a message with mortgage banker on XXXX for appeal process. Also called the contact center an additional two times on XXXX for any information on the appeal process. Mortgage banker returned my call on XXXX, at that time forward the amended purchase contract and confirmation of the permit application in process on XXXX. Mortgage banker called with update on XXXX that a written XXXX for a appeal is needed to move forwarded. Email XXXX provided on XXXX.Appeal was accepted on XXXX and loan sent for Final Review on XXXX XXXX received on XXXX, final cd and closing instructions sent to title on XXXX. Final CD disclosed at XXXX on XXXX for closing on XXXX. As evident in the timeline, all request were received from me in a timely manner. While on multiple occasions Navy Federal took several business days that wasted valuable time. | ||||||
| 05/18/2022 | Yes |
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Web | Servicemember |
| I made a complaint against Navy Federal Credit Union against unfair tactics to collect debt on XX/XX/XXXX. They locked me out of all online accounts, to include my mortgage. This time they are going after my VA Mortgage. As of XX/XX/XXXX, they are once again not sending mortgage payment statements. They also failed to post my mailed check for payment for XX/XX/XXXX mortgage. This check was sent via XXXX XXXX XXXX ( XXXX ). I called a Navy Federal Credit Union mortgage XXXX on XX/XX/XXXX to inquire about payment and statement status. My check sent from a non-profit organization that is tied to the United States XXXX has, for some reason, not been received or been posted. I asked why I haven't been receiving statements, like in the past, and the mortgage XXXX was unable to access the mortgage statement for XXXX and informed me it hasn't been sent out yet. Why do they ( Mortgage XXXX ) not have access and why has my XXXX statement not been sent yet? Navy Federal Credit Union is now messing with a governmental agency ( the XXXX XXXX ) and a non-profit organization, XXXX XXXX XXXX, that has close ties the XXXX. XXXX has paid for my mortgage for XX/XX/XXXX via check and sent via the paystub on the XX/XX/XXXX statement. I have continued NO ACCESS to my Navy Federal online account to handle and pay for my mortgage. Navy Federal is continuing to fail to follow the XXXX order listed below : https : XXXX Specifically from that order and is my situation : " Illegally froze members access to their accounts. I will work with these agencies to take action against Navy Federal, if there is no resolution for my VA XXXX. | ||||||
| 11/01/2022 | Yes |
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| I enrolled in Navy Federal 's OOPs overdraft protection program and Navy Federal did not cover any of the transactions accumulated in account during the last month of enrollment. The beginning of the issue was initiated by a XXXX account that was linked to my Navy Federal account. XXXX had attempted charges multiple times on several transactions and Navy Federal charged for overdraft fees accumulating over {$600.00} for transactions that was declined and did not pay for the transactions. Just for declining the transactions. I called Navy Federal on 2 occasions and was told that while it was evident that I did have protection on my account however it was nothing that could be done because my account was due to be charged off. I asked about removing XXXX to prevent them from attempting future debits and I was advised that I should consider fraud which would be illegal for me to do considering that I linked my XXXX account and initially gave permission to XXXX. I just wanted to revoke further privileges. On both occasions, Navy Federal employees demanded I pay the money out ( {$29.00} per 26 transcations0 because I was in the wrong even with protection on my account and {$0.00} actually being paid out to cover charges. My protection was not active and I am being liable for such which is unfair practices. I have since been denied online bank statements in order to compare my details to Navy Federal. I have been a costumer of Navy Federal for over 14 years, maintained over 7 different accounts with the institution, and have never experienced once had an issue especially an accountability with them until this instance. | ||||||
| 05/13/2021 | Yes |
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| I hope all is well I wanted to start off by saying I appreciate banking with you and the over draft protection thank you very much and I apologize this has happen. Im writing because I lost my bank card and I been trying to get an representative over the phone for over a week and every time I call its 25-30 min hold times. I can not waiting on hold that long so I dont know if Im calling in at the wrong time but its like all day through out the day. Im not able to go in the branch due to the virus and I have a XXXX XXXX and a XXXX XXXX XXXX and Im not risking there lifes or mines. Because it seems like the virus is getting worse not better even though its an vaccine out. I needed a new card mail to me, which one is on its way because I have a check from XXXX the I could of deposit it to avoid the overdraft fees and the return check fee. Its not my fault that is an pandemic thats what caused my fees. I would been had my check my back pay from XXXX if the virus never came is delaying everything and making it hard for me to handle my business due to I cant risk catching the virus or bring my children in places especially my newborn that can wear a mask. This is all a big mess. I really need my fees back like its honestly not my fault and I truly apologize. Once XXXX starts releasing my back pay from 2015 everything will get better. I also talk to them about mailing my check instead deposit it because this wouldnt of happened at all. I just cant go in to the branch to get a new card its too risky so its all the pandemic not my fault. I apologize again. Thank you for your time. Have a wonderful day and please be safe. | ||||||
| 12/27/2022 | Yes |
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Web | Servicemember |
| Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( XX/XX/2022 ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that vou are licensed to collect in my state : and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following. Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character 50 Free Debt Validation Letter | ||||||
| 08/23/2019 | Yes |
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Web | Servicemember |
| XXXX XX/XX/2019 XXXX : Navy Federal Credit Union ( NFCU ) XXXX. Box XXXX XXXX, VA XXXX XXXX Subj : Reimbursement of Escrow, Real Estate Taxes On XXXX, my previous, secondary Insurance Carrier did not re-new my XXXX XXXX Insurance Policy ; because, it has a conflict with a Florida Stature : or, it believes that my primary, XXXX XXXX. coverage is not a true XXXX Insurance Policy, which it is, indeed. So, such Ins. Carrier sent NFCU a copy of its Cancellation Letter of my real estate property. Consequently -- if not, subsequently, on XXXX, NFCU placed a " Forced Insurance Policy '' from XXXX in the amount of {$1600.00}, on my property. It did so, too, presuming, or even assuming, so very erroneously, that I did not have Continuous Coverage on my property. When, in fact, about a month or so right before XXXX, I sought as well obtained Continuous Coverage with a brand new Ins. Carrier concerning my property ; which is so evidenced right by my submitted/uploaded, XXXX-page Insurance Declaration Page/s. It has been so grossly inappropriate for NFCU to have placed a " Forced Ins. Policy '' upon my property -- not, even, having the mere decency or good sense to inform me of such .... Had it done so, it would have seen/known that such was Wrong -- if not, so very unnecessary. Being such, I request -- or, so demand -- NOW, that my {$100.00}, for my real estate taxes -- or, PAST escrow, be so reimbursed via my NFCU Savings Account. Since, I satisfied ( or just paid off ) such real estate mortgage, on XXXX, or XXXX weeks ago. Plus, my having had super solid proof of Continuous Homeowner 's Ins. Coverage .... Good Day. | ||||||
| 01/17/2023 | Yes |
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| On XX/XX/XXXX I noticed that there were 3 wire transfers out of my checking account to an unknown person named XXXX XXXX. With no knowledge of this person or any reason why money would be transferred out of my account, I immediately contacted Navy Federal 's customer service line, where representatives assisted me in filing a fraud claim over the phone, signing a fraud affidavit, contacting local law enforcement, and closing my compromised account. However, since XX/XX/XXXX, the only communication from Navy Federal has been the detail-less denial of my claim without any evidence or consideration. I have been repeatedly stonewalled by customer service representatives that do not who to refer me to, if anyone, where I seek information to properly get my money back. I have only received two communications -- one denying my claim without any context, and another denying my appeal without any context. Navy Federal Credit Union, its fraud team, and its customer service staff have been negligent in properly investigating the loss of my money in a fraudulent transfer, and have not helped whatsoever in the investigation by XXXX XXXX Police Department, nor forwarding any information that may assist me. Navy Federal Credit Union has all the information necessary to approve of my fraud claim and forward information to law enforcement in order to stop this fraudulent activity, and has clearly no respect for their customers. They have the banking information of my old bank account, including the time, date and account number of the fraudulent transfers, but I am getting detail-less denials that there was any wrongdoing. | ||||||
| 11/24/2021 | Yes |
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| After reviewing different lenders to help secure a conventional mortgage loan, I thought it would be great to use Navy Federal Credit Union as they are my main bank. Using the app, I reviewed the mortgage rates, and on the main page of Mortgage Rates states, No matter what your circumstances are, we have the right home loan for you. Need help deciding which loan option works best for you? I knew my credit score needed work but that first statement made me feel like Navy Federal would work with me and help me obtain a loan. I entered my information on Tuesday, XX/XX/XXXX, and paid {$19.00} for them to pull my credit. I submitted my paystubs and other information the next day on Wednesday but the decision had already been made that my loan was denied. I emailed the loan officer associated with my application, asking for them to help me understand why and if there was anything else that can be done to help me achieve getting a conventional loan and get me out of renting? I only get sent a canned response that I should contact the credit bureaus and Ill receive a letter in the mail. None of my questions were answered. I would not have entered my information, paid for my credit report to be pulled, and cause more harm to my already middle ground credit if the statement had been changed to something such as, No matter what your circumstances are, we have the right home loan for you when credit criteria are met. or something along those lines. As it stands now, my credit has been hit, Im out {$20.00}, and no one wants to help me understand or provide some time of information that could help me obtain a mortgage loan. | ||||||
| 08/20/2021 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX @ XXXX. I reached out to the company to inform that I had lost my job due to COVID-19 XX/XX/2021. I wanted to be proactive before my payments were late. I explained I had been doing XXXX XXXX and XXXX until I found another position and unfortunately had to max out my credit cards to stay afloat. I informed I had found a position but won't get my full paycheck until after XX/XX/XXXX and asked for the payment to be pushed to XXXX. The first representative was extremely rude and lacked empathy. She offered a repayment plan which would have cost me more interest instead of the extension. I have never been late on my payments even when I lost my job I still made sure my navy federal debit was taken care of but with my wife the only one working we are starting to lose footing and I turned for help but the representative treated me as I was asking for too much by skipping two months. I requested a supervisor so that I would not be rude which was a dead end as the supervisor hung up on me. When I called back he then refused my call stating he was in a meeting. The 2nd representative was a little more empathetic and gave me an extension until XX/XX/XXXX but that still doesn't help my situation just puts me in a more stressful one since every XXXX I make will be put on the debt and I will be without money until the end of the month. This is not how I envisioned being a member and needing help. It was already a struggle to go from making XXXX per year for something out of your control to driving XXXX and XXXX just to stay afloat. And to be treated that way is disheartening when I wasn't in collections. | ||||||
| 10/21/2021 | Yes |
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Web | Servicemember |
| I was scammed by a guy on XXXX offering financial assistance. He said all I needed was to have an active bank account and the money would be deposited. This was to be considered a donation from his organization. I would only be required to give him half of the money deposited. I figured that should be OK since I would receive the money first and then give him half instead of the common red flag of sending out money first. Totally unaware that he had in fact applied for a loan from my bank, in my name, until after I sent him the money. I NEVER requested this loan or signed off on it but it was given easily and freely without my knowledge, and what I thought was money being given to me was a scam for me to give money to the scammer that I don't have. What happened to the security aspect of identifying the person when transactions like this are done online, or even requiring 24 hours for deposit to be made. I was totally blindsided. I was not the person who took out this loan, I am the victim of identity theft and my bank/credit union has been defrauded as well as many others. I can not afford this loan and I refuse to accept responsibility for it since I didn't authorize this transaction or sign for it. The loan is for {$6000.00}. Upon making the police report I was made aware that this same guy has done this before and he's facing several felony charges. Even on it's face, the loan is of predatory lending, I would not have agreed to those terms given the percentage rate. I've been preparing my credit for a decent mortgage loan, not this, and my credit is in good standing. I don't need this stress. Please help! | ||||||
| 10/03/2018 | Yes |
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Web | Servicemember |
| I searched XXXX on XX/XX/2018 at approximately XXXX for tickets to see XXXX XXXX perform at the XXXX XXXX XXXX XXXX in XXXX XXXX, MD the following night. I responded to an ad and begin texting with " XXXX XXXX '' of phone number XXXX and email address XXXX. I was texting the phone number and I sent a test email to her email address, so they both were active as listed at the time. I agreed to buy the tickets advertised and asked to see a ticket purchase confirmation, which she provided via screenshot. I wanted to pay via XXXX, but she convinced me to use a service called XXXX, which I had never heard of. I researched it, it is a legitimate service, and it was offered by my bank, Navy Federal Credit Union, which made me feel safe. I figured the transfer must be bank to bank, so the receiver of the funds should be traceable by name and social sec number like my account is at my bank. I transferred {$500.00} dollars for four tickets to " her husband '' ( XXXX ), but after the transfer, the email accounts and the cell phone number were both taken out of service. I never received the tickets or any further communication. I filed a fraud complain with Navy Federal Credit Union, but they rejected it since I agreed to complete the transfer. That is, it was not an unauthorized withdrawal ( theft from my account without my knowledge or authorization ). Since the money went from my bank account to some other bank account via XXXX ( through Navy Federal ), I would think the receiving bank would have some evidence of who opened that account and with what ID / soc. sec. number. I would appreciate your help. Thank you. | ||||||
| 04/25/2023 | Yes |
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| This is a fraudulent account opened by an employee of my business, XXXX XXXX XXXX This has been reported to local law enforcement, SC District Attorney ( XXXX SC ), and in turn has been handed over to sled and local FBI field office investigated by Agent XXXX XXXX. Navy sent me a card that I DID not apply for and charged continued on this card until I discovered just how bad the problem was. The same person XXXX XXXX we have found has also gotten multiple fraudulent loans through the same lending institution without the knowledge of the customers. We know this is because the customers lawyers have contacted me for information in my situation and they are looking for file suit against NAVY federal and XXXX XXXX because his client has two loans for one car that he does not have. This company is doing VERY SHADY business. They can't provide me with a contract, agreement signature or anything. Furthermore, across each bureau the information is not even consistent. There is conflicting account numbers, totals, and payment frequencies. I have paid this company more money ONLY because I was not able to refinance my home and pay off legitimate dates this hardship has created. I have sent the report to NAVY sent it to the bureaus and still cant get any help. I almost lost my job and security clearance because of this issue. I'm saying NAVY FEDERAL because its there institution but for the most part I know its not the company as a whole but there is a LOT of bad apples in that bunch. I also have documentation from several lawyers proving what I am saying in addition my police report I submitted when it happened. | ||||||
| 03/29/2023 | Yes |
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| It has come to my attention that my credit card account with Navy Federal is not being properly credited to my person I am aware that there has been credits issued to me, but have not been properly reflected, issued or disclosed to me through permissible means to resolve this dispute I demanded navy federal provide me with the full original, and unaltered documentation that specifies credits, tax liabilities, discharges of debt, bond, and or securities as they are applicable to my account. Navy Federal has ignored my attempts to rectify this billing error. I have sent letters through certified mail and receipt which they have received but they have not responded to them nor has anyone from Navy Federal reached out to me to solve this billing error dispute. Currently, this billing error is still in process and unresolved. They are still collecting payment on this account and refuse to contact me so we can resolve this matter, I have invoked my specified remedy, a full reimbursement on this account through certified funds via check sent to my address on fuel, which has gone unheard. Navy. Federal is purposely ignoring my federal billing, error dispute and purposely violating my consumer protected rights. There is also evidence of a finance charge on this account, which has not been properly disclosed to me nor applied to this account. A finance charge pursuant 12 CFR 1026.1 under truth in lending is the sum total of all charges, meaning that this credit account, which is an open, ended credit account, and can not be treated as late is fully funded every month yet I am not receiving those credits on my account. | ||||||
| 12/10/2018 | Yes |
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| I added my son to my NFCU business account as an authorized user about 2 years ago or so. He was added with no problem. Today XX/XX/2018 my business assets are frozen because he owes them money and they blocked me out of my own business accounts. Apparently he owes them over {$5000.00} and they restricted my account because according ti them they can do that. My son went into a branch as was grossly discriminated against and treated like a criminal when I sent him to get a cashiers check. He has called in several times with me and they have been rude and We have been hung up on and when trying to speak to a supervisor I am advised that there is no one working that someone will return my call in 24 to 48 hours. According to what I know these accounts are from XX/XX/2010 and they are declining to forward information to validate the debt. On the recorded line the rep insisted he say that He acknowledge that he owes the money after repeated attempts by the rep in their recovery she hung up and became rude. By them restricting access to my buainess account it will cost me a total of about XXXX to XXXX in fees and other legal costs because of that. My business should not be responsible of them not verifying his information when I added him over 2 years ago. They should have said no of instead taking opportunity to try to collect on a business account that frankly he is only authorized to go when I am not available. I feel that these actions were initiated as a retaliation because they made me go through hoops about a code word on the account and because I stated that I would report them to the proper authorities. | ||||||
| 03/18/2023 | Yes |
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Web | Servicemember |
| I recently received my credit card from navy federal containing a credit limit of XXXX. I went to the atm to pull XXXX dollars in cash and was denied and tried again for XXXX dollars to no avail. I contacted navy federal, and they said everything was good on their end and to go try again at another atm and I did just that. I tried pulling cash again and all requests were denied. I tried to make a purchase and there was a fraud alert that I acknowledged it was me who made the transaction. I called navy federal and was directed to the fraud department and was on hold for over an hour just for them to tell me they will not reactivate my card or authorize my purchase because of the current statuses of my other accounts, an overdraft, too much suspicious activity from my doing and claimed that " I was running up my card ''. I just want to replace my broken refrigerator for my family. my bank account status for navy federal is displaying " Your account information is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. '' Due to this status, NFCU understands that my account status is not a factor in using my credit card that NFCU approved. the entire time I was trying to resolve this issue, the customer service reps were very shady and reluctant to give me situational updates, navy federal is depriving me of my consumer rights, and I want a speedy resolution. I will be filing a federal lawsuit against NFCU along with other consumers experiencing the same unfair treatment consisting of constant Securities fraud and numerous consumer rights violations. | ||||||
| 04/14/2022 | Yes |
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| I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( collection name ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me | ||||||
| 08/10/2023 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, I initially applied for an account with Navy Federal. They denied me with no explanation or letter as to why I was denied. Ive applied XXXX XXXX. In XX/XX/XXXX, I reapplied. They confirmation stated I needed to hand in verifying documents for my identity. When I went into the branch a week later, XXXX, a rep at XXXX XXXX XXXX XXXX said she check me in and I would be next. XXXX minutes went by and in that time XXXX other customers walked in and needed to speak to a representative. I waited over an hour before I walked out. within that time, there was no communication and XXXX saw the other customers before me. I called the customer service line but not XXXX person addressed my concerns. I decided to go into the branch again on XX/XX/XXXX to speak with the branch manager. I spoke with XXXX and he stated they use a outside agency named XXXX and they denied me. I called XXXX, the Agent could not find me in his system and asked me for my information to build a profile I refused. I called XXXX XXXX ( branch manager ) back and now he stated the back office just needs my identity and mailing address confirmed. I handed him my ss card, VA ID, DL, proof of residency, up to this day, I have not received any notification as to opening my account. Ive called the customer service line, they blame the branch, I go into the branch, they treat me as if Im not worthy to branch at a bank that was build for me. I have emails, records, recorded calls, numerous supervisors names and this is now the second time Ive handed Navy federal my personal information and it is exposed to them for them to not deal with me. | ||||||
| 11/05/2023 | Yes |
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Web | Servicemember |
| I had a problem with my debit card information getting used for purchases I did not authorize. I also did not give my information out to anyone. I used my card once with XXXX and some employee hacked the system and took my info and tried to buy stuff but I was alerted by text and called the fraud department and it got resolved quickly. But I had to cancel my card and get a new one. Then somehow my card got used in a state Ive never been to for pizza. I saw the charge on my account and called the fraud department again and got it resolved. Well now the fraud department says that Im in violation of the debit card agreement. All my disputes were found to be valid and founded by the credit union so I dont know what I exactly violated. I read the agreement and have not done anything against it at all. But now I am told that I cant get a debit card for a year and that they have closed the matter. I have asked repeatedly for them to tell me exactly how this is my fault and why I am being punished and they will not give me an answer. I thought Navy Federal CU was a good institution until this happened but now Im feeling unfairly punished without good reason and I am being bullied by the fraud department. I want another debit card for my account and for them to make it so thieves cant get my info so easily. I dont use it very often except to pay bills on secure sites or on XXXX XXXX I deleted my XXXX account and am careful to not have my debit info out there. Can you help me please? If I just close my account then they win and can continue to treat other customers this way which is not professional in my opinion. | ||||||
| 05/08/2018 | Yes |
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Web | Servicemember |
| My credit score has tanked since banking with this Bank. I started the administrator process to valid the alleged debt that I supposedly owe to this Bank. Theirs response had been flooded by generic letters without providing the original contract bearing my wet ink signature ( promissory note ). According to the Fair Debt Collection Practice Act ( FDCPA ), I have the right to validate any debt I owe. This Bank had since left tons of calls, voicemails and letters trying to correspond with me and ruined my credit score with late payments and delinquent accounts. This Bank have committed fraud for reporting unvalidated information to the 3 major credit bureaus. Im not hesitant to bring a suit against this Bank for violating Fair Debt Collection Practice Act ( FDCPA ), Tax fraud and defamation of Character! These banks must remember that WITHOUT the consumers, theres no business! Ask yourself : Whats a Debt? Legal tender was no longer required for payment of debt on XX/XX/1977! According Social Security Number, Im classified as a minor. A minor can not be a party to a contract ( HJR 192 )! Banks can not loan money. They are in business to buying securities. The consumers signature CREATES the security! And since this Bank have submitted my account ( s ) to collections, they have committed a felony for unlawful use of my Social Security Number. This is grounds for identity theft and distortion. BY LAW, all 3 major credit bureaus must remove these accounts from my credit report. *BOOM* ( Ending Note ) The consumers are the original creditors but was misled by these greedy banks into thinking were the debtor! | ||||||
| 09/14/2021 | Yes |
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| I XXXX XXXX XXXX a consumer citizen of heaven sent a letter on XX/XX/XXXX, via certified mail with request of validation of debts. The letter was received by NAVY FCU on XX/XX/2021. Documentation attached. As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation is requested ( FDCP 15 USC 1692g Sec 809b ) in the following order : Full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies and overall compliance with all FCRA and FDCPA by laws as instructed by federal law. It upsetting to know such companies do not follow rules and laws. More importantly, companies such as the pursuant above should be held accountable for their actions. According to the FCRA a corporation is required to respond and complete and investigate within 30 days. As of XX/XX/2021, I still have not received anything pertaining to a complete investigation. Based upon evidence available to me, there is no debt owed. These laws are to make sure that there is a level of fairness to protect American consumers from nefarious, abusive reporting procedures on credit consumer reports, as well as illegal and deceptive collection practices. | ||||||
| 05/21/2019 | Yes |
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Web | Servicemember |
| I learned today, via my wife, that Navy Federal withdrew {$160.00} from our Joint Checking Account with Navy Federal to pay a past due credit card balance with no previous authorization from myself to do so. They won't speak with my wife because, despite being a joint account holder for the checking account, she is not a joint holder on my credit card account. Now typically, as shown through my Navy Federal Credit Card ( XXXX XXXX XXXX XXXX ) payment activity, when I do miss a payment, I pay twice the amount the following month. Now, no one from Navy Federal Credit Union called me and left a message regarding the past due bill, they just automatically withdrew the money. Initially, I had my wife reach out to Navy Federal to resolve the situation but despite being a joint checking/savings account holder, they would not speak to her about the unauthorized deduction from the account because it involved my credit card, to which she is not a joint holder. In speaking with the credit collections department at XXXX, today, XX/XX/2019, they stated as part of Navy Federal 's Credit Card 's Terms of use they can make an such a deduction. I explained to them, that this is not legal and specific authorization has to be made by me or my wife to do so. I requested, then demanded the return of the {$160.00} as that is my son 's money ( who is XXXX going to be XXXX ). I am requesting the CFPB look into this issue regarding financial institutions who issue credit cards being allowed to make unauthorized deductions from private accounts without obtaining verbal or written authorization to do so. Thank you for your time. | ||||||
| 01/24/2019 | Yes |
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| My online account was compromised, Navy federal credit union gave me a call to warn me of compromise and the fraud that was placed on the account I sent in documents to verify I was b XXXX for XXXX XXXX : XXXX XXXX with XXXX, XXXX, XXXX and XXXX XXXX. I also sent in the statement of forgery to eliviate the problem they stated they never received it. The account is negative XXXX and i dont have access to any money. my VA check is XXXX and they have to mail paper checks because of the issues with the account, I have not been paid in 3 months the VA 's system will take 2-3 weeks for each check to be printed and mailed I am late on bills, and childcare because of this. the bank will not approve me for a loan because of the negative balance and they're stating i have to pay to be eligible for anything. This has caused a repossession and late bills and the bank is not doing anything whatsoever to resolve the matter I've banked with Navy Federal for 5 years and they have lost a customer. Claims were for XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX. The compromise department called to inform me of the hacking and locked my account completely, i went to withdrawal funds and the withdrawal was declined. the funds that were put into the account and reversed back out no money was used besides the OOPS overdraft coverage. The only claim I filed was for XXXX the bank representative was on the phone with me and XXXX on a 3-way call and XXXX verified they did not receive the payment after 1 month and 13 days they issued the credit and took it back. this has created a bind and financial issues for myself and my family. | ||||||
| 09/15/2023 | Yes |
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| NAVY FEDERAL has not provided me my 1099-C for a charge-off/written-off account which is required by the IRS. NAVY FEDERAL said that they do not have to which is deceptive and misleading. They did not provide me with documentary evidence pursuant to 15 usc 44. They compiled billing statements that did not prove any alleged debt. I a not asking you to " verify '' anything. NAVY FEDERALS policy does not supersede federal law. GA code XXXX states any " debt '' that is the result of a promissory note has a statute of limitations of XXXX NAVY FEDERAL is still reporting this charge-off/collection account to all credit reporting agencies. NAVY FEDERAL has continued unfair debt collection practices and has caused me great harm financially and has ruined my reputation as a consumer by furnishing this inaccurate, outdated, and unvalidated information. This action by NAVY FEDERAL, reporting collections/charge-offs, late payments, and other derogatory information on my consumer reports, is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities. In light of the above, I kindly request that NAVY FEDERAL take immediate action to rectify this situation by removing the derogatory account information from my consumer reports within 14 days of receiving this letter. Failure to do so will leave me with no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all individuals and corporations involved in this matter. | ||||||
| 05/25/2023 | Yes |
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Web | Servicemember |
| On Friday, XXXX XX/XX/2023, I logged in to my Navy Federal Credit Union and funds were missing. There were unauthorized transfers to XXXX XXXXXXXX XXXX XXXX-Checking Account ending in XXXX, under XXXX name XXXX for the total amount of {$9900.00} ( Two unauthorized transfers : {$5000.00} and {$4900.00} dated XXXX XX/XX/2023 ). Immediately contacted the NFCU Fraud Department & they froze my account. The agent explained that my computer was hacked and the signing was directly from my computer. NFCU XXXX Claim # XXXX dated XXXX XX/XX/2023. XXXX XXXXXXXX XXXXXXXX XXXX Checking Account was closed after withdrawn of the stolen money. On Sat, XXXX XX/XX/2023, I filed a police report being a victim of fraud, identity theft, hacking into my computer and stole money from my bank account. XXXX XXXX Police Station Report # XXXX. Identity Theft Report # XXXX. Also, submitted an FBI IC3 report and an alert on all Credit Bureaus with a freeze # XXXX. Within four days of my fraud claim, the NFCU denied it. What investigation could have been conducted? Who was involved? I did not authorized those external transfers and never received the email notifications from the institution. The money stolen were part of my life savings, XXXX of honorable military service to this country. A debt that can never be repaid. As a disable veteran, I'm devastated. I have not benefited from the unauthorized transactions, neither had previous knowledge because the hacker deleted the emails from my email account. This money is for my retirement, years of hard work. I'm depressed and emotionally effected with this situation. Please help. | ||||||
| 01/19/2021 | Yes |
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| The bank closed my credit card during a period in which I was experiencing great financial difficulty. I had a number of issues due to an identity compromise. This was documented ( FTC Report # XXXX, XX/XX/XXXX XXXX, and again another through the XXXX XXXX in XXXX ( claim # XXXX ). At this time, I fell behind on my credit card, and at 60 days late, the bank " closed '' the card. The bank has made no effort to find a fair solution to this temporary situation. The bank continues to accrue interest on this account as if it were an active credit card. I've been paying on this account for many years and the balance does not go down by much ( maybe a couple XXXX dollars on a {$25000.00} debt ). It is negatively affecting my ability to obtain a better credit alternative ( balance transfer ) and housing ( denied applications ) because it shows on my credit report as " over the limit balance '' even though it was under the limit when the debt was charged. The bank will not help come to reasonable terms in any way without further penalizing me. My credit score is dragged down that I can not secure a lower interest loan to overcome this debt. They want to close all of my credit accounts, even those that do not have any negative history, before they offer any relief to reduce the interest ( and this would be a term limited benefit at the cost of a long term credit impact ). These actions and the ensuing harm caused to me are disproportionate to a 60 day late credit payment that occurred many years ago. I feel entrapped in this situation and the business has priced this debt such that it can never be repaid. | ||||||
| 02/06/2020 | Yes |
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| Back in XXXX this item appeared on my credit report from Navy Federal CU, Stating there is creditcard limit for $ XXXX and a balance of XXXX. i disputed this item to the credit bureaus stating this is not mine, Meanwhile, the item was moved for a few years or so and now as of XX/XX/XXXX it shows up again on my XXXX file. Once again i disputed this item and got a response from XXXX stating its verified via Navy Federal CU and will remain on the file. So i contacted Navy Federal CU Fraud Dept and spoke with XXXX requested the original contract or application with my signature and XXXX said they are not allowed you must submit a subpeona in order to get the orignal contract with signatures. Then i back to XXXX Dispute dept and requested they get proof with my signatures, the FRCA allows the credit bureaus up to 35 business days to respond and experian responded within the time frame but was not able to provide evidence.i contacted Navy fraud dept once again and they had me to filled out a Security Appeal Form which i will provide to you all, i also received a letter dating XX/XX/XXXX, stating the info is reporting accurately. i am a two time victim of identity theft. I also file a police report and gave it to the credit bureaus. I am not a member of Navy federal CU or never serve in the military. I am filing a complaint because this info is reporting inaccurately and Navy will not allow me to investigate this matter regards to my signature or ID. I am requesting this item be removed from my XXXX credit file. This is been going for some time now. Your help is greatly appreciated Thank you Sincerely, | ||||||
| 05/15/2017 | Yes |
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| Dear Sir or Madam, We have a conventional 30 year fixed conventional mortgage loan with Navy Federal Credit Union. We recently received a New Mortgage payment notice letter from them stating that our monthly payment is going up 27 %, and the monthly escrow increase went up 170 %. This has placed a tremendous financial hardship on my family and I. In addition my closing documents stated that our payments should not increase more than the original monthly payment. We feel at a minimum this is a violation of Truth in Lending Act and RESPA and general ethical mortgage practices I had with Navy Federal. Wh en we were in the process of closing the loan the Navy Federal Loan broker XXXX XXXX stated that after the loan closes we are eligible for a one time no obligation interest rate modification if the rates drop. The rates did drop and we contacted Navy Federal se veral time to get a mortgage rate modification and the Customer Service department stated that we would have to wait a lot longer in our term for a potential rate modification. Completely opposite of what our broker stated while we were in the process of obtaining and closing the loan. Primary this huge monthly increase of 27 % and 170 % escrow increase has placed a huge financial hardship and burden on us. In addition the fact we pa y two annual property tax payments ourselves and they are increasing our monthly payment significantly we need your assistance to bring our payment manageable and bring Navy Federal int o compliance on this pressing matters. Thanks for your attention in this matter. Sincerely, XXXX XXXX XXXX | ||||||
| 11/03/2022 | Yes |
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| In XXXX Of XXXX I reported to CFPB In regards to the Navy Federal account ending in XXXX. XXXX and XXXX at XXXX Between XXXX and XXXX Eastern Time, XXXX Navy Federal is still Reporting incorrectly to all Major credit bureaus. On XXXX I spoke with a representative confirming all what I have paid and what was still owed, The representative confirmed I have made XXXX in Payments to the above referenced company not one payment has been reported to the bureau. Monthly the payments are showing CO which stands for Charge OFF. The balance on the report shows XXXX the representative told me on XXXX the balance was XXXX. The report has a total of XXXX late months " XXXXXXXX XXXX months '' which means would mean I never made a single payment ever on the account. The account was settled XXXX which they stated in the response in the last complaint. so if I have made payments why would my account balance not reflect the payments made or the arranged balance. I have attached correspondence from XXXX and XXXX. All Items in Exhibit B are inaccurate, invalid, not timely and carry no documented evidence of the true and accurate facts. To the least they have not been authenticated as per my rights or requirements you are damaging my character, creditworthiness and well being by falsely reporting balance and being non complaint reporting unverifiable account information. Exhibit A - Corresopndence from XXXX and XXXX stating the balance owed as of XX/XX/XXXX Exhibit B- My XXXX Credit Report That shoes 59 negative payments and a incorrect balance owed. The payments the have received for the last 2 years are not reported. | ||||||
| 12/13/2022 | Yes |
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Web | Older American, Servicemember |
| CHARGED OFF ACCOUNT ( not bankruptcy account ) XX/XX/XXXX Navy FCU withdrew {$1400.00} from my savings account for a " disputed '' debt ( late fees and interest on late fees ) NFCU charged off. Navy FCU did not contact me prior to withdrawing the money. I became aware of the withdrawal when I received a letter a letter thanking me for paying off the account. When I contacted Navy FCU 's collection department I was told that the money was in the account and I owed it. Below is a screenshot from my account showing the withdrawal : XX/XX/XXXX SAV ADJUSTMENT XXXX XXXX XXXX - {$1400.00} Below is a screenshot from Navy FCU credit score dashboard showing the charge off : Account Charged Off XX/XX/XXXX An account has been identified as Charged Off. This account was either charged off as a loss by the company with whom you had credit, or that the account was sent to a collection agency for payment. Subscriber Name NAVY FCU New Charge Off Date XX/XX/XXXX https : //www.creditviewdashboard.com/cvd/ # /alerts I disputed the account and refused to pay because Navy FCU WOULD NOT acknowled that charging interest on late fees is illegal ( not disclosed on loan disclosure ) and WOULD NOT give me a breakdown of the late charges total and the interest total so I could pay the late charges. I filed a complaint with CFPB but CFPB did not investigage this fees violation and just sent me Navy FCU 's response to the complaint. CFPB did not request Navy FCU to respond to my request for the breakdown. I do know that in mortgage lending it is illegal to STACK FEES. I'm am hopeful this NEW complaint will be investigated. | ||||||
| 08/02/2021 | Yes |
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Web | Older American, Servicemember |
| BACKGROUND : In XX/XX/XXXX I was offered and accepted a 3 month forbearance on my Navy Federal Credit Union Mortgage. in XX/XX/XXXX the forbearance was automatically extended for an additional 3 months. In XX/XX/XXXX I was offered Covid 19 Post Forbearance options. I chose the Flex modification option. In XX/XX/XXXX I was presented with a Flex modification offer, in XX/XX/XXXX I accepted offer and made 3 trial payments in accordance with terms of offer. in XX/XX/XXXX i was presented with and signed final Modification documents. COMPLAINT : In XX/XX/XXXX there was a significant decrease in all 3 of my credit scores ( XXXX, XXXX and XXXX ). They all reported delinquency in the payment of my Navy Federal Credit Union Mortgage. in XXXX I contacted Navy Federal Credit Union concerning the derogatory credit report. I was told that it had been turned over to a representative for resolution. when I contacted the representative he confirmed that my covid 19 forbearnce should not have negatively impacted my credit. he also stated that an investigation would be initiated within Navy federal Credit Unions credit reporting department. I have been contacting Navy Federal Credit Union on a monthly basis since XXXX but no resolution has been reached and it appears that no actions at all or being initiated. ATTACHMENTS : 1. copy of my complaint to Navy Federal Credit Union 2. copy of post forbearance options 3. copy of offer of flex modification 4. copy of final flex modification agreement 5. copy of mortgage payment history prior to forbearance and after trial period 6. copy of trial period mortgage payments. | ||||||
| 08/27/2021 | Yes |
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| On XX/XX/XXXX a foreign check was cashed in my account. The check was not endorsed with my signature nor was it endorsed at all. The only way someone can cash a check into their account inside a branch is with a valid ID. Therefore, the check was cashed into the ATM machine at the bank. The bank returned the check and when I actually came into the branch to make a deposit I was informed that my account was overdrawn and closed due to the suspicious activity on my account regarding that check. I made a payment on my account for {$30.00} in XXXX and was told once I made the full payment my account would be reinstated, after learning I was a victim of fraud. I paid the rest of the outstanding balance this year ( XXXX ) and was given a receipt for the transaction. I also provided documentation related to being a victim of fraud in this matter. The documentation I provided is in regards to a very serious matter and it is included that I was also a victim of fraud regarding my bank accounts being compromised. All supporting documents from several XXXX county legal team departments were provided along with the name of the person responsible. I have made several complaints to the bank regarding this matter because they are not doing a thorough investigation on this case that they claim. Provide video footage of the exact date and time the check was cashed at the ATM to show proof of who is responsible for cashing that check. This is a MANDATORY request. Footage MUST be obtained in order to close this case and be resolved, as the camera footage is the MAIN piece that will HELP solve this matter. Thank you. | ||||||
| 01/16/2018 | Yes |
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Web | Servicemember |
| As a result of the actions by Navy Federal Credit Union ( NFCU ), which include their blatant violation of your very own Consent Order File No. XXXX, before the ink was completely dry. The NFCU violations not only include your item # 76, their corporate, collections and mortgage personnel went to violate stipulations throughout your court order and clearly after your court actions concluded. Please see the attachment as well as sending me whatever documentation you need from me to grant you legal consent to subpoena any and all of my NFCU bank ( credit union ) records as a result of receiving my endorsement signature. Although I was planning to accept an offer for a new career opportunity or me and my family, I was compelled to incur a tremendous financial loss wen selling my property in a normal sale, with subsequent elements of mortgage fraud by the greed and collusion of the following persons : Broker XXXX XXXX, License ID : XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX , XXXX , CA , XXXX and Salesperson XXXX XXXX XXXX , License ID : XXXX, XXXX XXXX XXXX, XXXX XXXX , CA , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, both of whom conspired to each defraud me out of {$8700.00} each for a total of {$17000.00}. These actions include a devastating delay in real estate services while XXXX XXXX travelled to XXXX while I waited for her to return and complete her job. The violations of NCFU contributed to the result of diminishing the preferred amount of time I needed to find suitable buyers for my house which was worth far more than the lowered selling price. | ||||||
| 08/30/2023 | Yes |
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| The Fair Credit Reporting Act 15 USC 1681 section 602 highlights the importance of consumer reporting agencies exercising their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent, as stated in 15 USC 6801. I am writing to express my concern about XXXX and XXXX, which are consumer reporting agencies that have been sharing my private information without my written consent. According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. As I have not given my written consent XXXX and XXXX do not have the right to furnish my private information. Furthermore, the financial institution that has been furnishing my information to credit agencies has not informed me of my right to exercise my nondisclosure option, which is a violation of 15 USC 6802 ( b ) ( c ). Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information without authorization under subsection ( b ), which I have not provided. XXXX and XXXX are not maintaining reasonable procedures to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, as required by 15 U.S. Code 1681e. Therefore, I am exercising my right to opt out of their reporting services, as stated in 12 CFR 1016.7. | ||||||
| 05/16/2023 | Yes |
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| I obtained a credit card from XXXX XXXX ( acct. no. : XXXX XXXX XXXX XXXX ) with a credit limit of {$6000.00} in XX/XX/XXXX. I also added my husband as an " authorized user '' in an attempt of assisting him in establishing credit sometime in XX/XX/XXXX. In turn, Navy Federal insisted that I made him a " joint owner, '' and he or I never signed any agreements stating such, nor did I ever receive the requested agreement. After requesting the original signature for the agreement adding him as an " authorized user '' was made over the phone! Fast forward THREE card renewals later, I was informed by Navy Federal that they were not sending me a renewal card for my usage because, upon reviewing my account, they decided not to send a renewal card because " I was too close to the credit limit. '' Being close to the credit limit was not a problem before when I would pay the balance down more than 60 % of the balance the following month. Although I did not understand their reasoning for not sending me a new credit card, I continued to pay for the debt I had incurred. Once my husband decided to file bankruptcy on XX/XX/XXXX ( discharged XX/XX/XXXX ), he included the Navy Federal " green credit card '' in his bankruptcy since Navy Federal also declared him financially responsible for repayment and removed from HIS credit file but remained on the mobile app and notification of payments due. With my husband filing bankruptcy for this credit card, why am I continuing to make monthly payments and Navy Federal restructuring my loan by readjusting the interest without any notification and making my payments higher? | ||||||
| 08/04/2020 | Yes |
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Web | Servicemember |
| I received a letter in regards to a mortgage my husband has through Navy Federal Credit Union. According to a conversion ( in which both my husband and I were privy ) last week the mortgage is current showing no delinquent status. However, my husband and I received multiple letters claiming delinquently, threatening negative credit reporting, and foreclosure. These letters ( over 5 ) sent via first class and certified mail where mailed to an incorrect address. When contacted Navy Federal stated they had the correct address on file, and they did not know why the letters where mailed to the out dated address. This is either a case of malfeasance or malpractice, and either is not acceptable. Threatening to damage ones credit, foreclose on a home, all while sending notice of such actions to an incorrect address is deeply troubling. Navy Federal has been authorized and entrusted to assist Veterans and Active duty military members navigate home ownership using VA loans. I am concerned that the organization has grown too large, too quickly to competently manage Federal loans especially VA loans. My husband and I spoke with Navy Federal regarding the status of this loan last week. I called again today about letters mailed to me ( see attached ). I spoke with XXXX on a recorded line. The call was initiated at XXXX EST and documented and time stamped for this complaint at XXXX EST. XXXX was unable to explain why certified letters threatening negative credit reporting, collections, and potential foreclosure of a property where mailed to an address no longer on file rather than the current address. | ||||||
| 10/29/2023 | Yes |
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| I provided XXXX XXXX XXXX Chief Financial Officer at Navy Federal Credit Union Registered Notice of Intent to Tender Payment ( Notice of Accord ) sent XX/XX/XXXX via registered mail XXXX XXXXXXXX and received XXXX to invoke my right to suretyship and guaranty due to lack of informed consent on being considered an Enemy of the State according to the Trading with the Enemy Act of XXXX and under the War Powers Act of XXXX as well as Emergency Banking Act of XXXX. No response was received regarding Intent to Tender. I followed with Registered Notice of Tender with Special Deposit/Tender , Postal Money Order XXXX XXXXXXXX ( Trust Deed ) which was sent XX/XX/XXXX and received XX/XX/XXXX. Tender was returned regular mail with " Conditions not Accepted '' as the reason. I re-sent Registered Notice of Tender with Special Deposit/Tender , Postal Money Order # XXXX on XX/XX/XXXX and received XX/XX/XXXX requesting written correspondence on tender process guidance. Again Tender was returned regular mail with " Conditions not Accepted '' as the reason. According to Code of Virginia 8.3A-603a [ UCC 3-603b ], if Tender of Payment is Refused, there is Discharge. My notices have been ignored. I am seeking help in equitable resolution to this matter regarding Banks Liability for Wrongful Dishonor, Code of Virginia 8.4-402. Finally, I sent Registered Statement of Discharge outlining all attempts to resolve this claim, Notice of Debt Assignment and Notice of Equitable Interest was sent via Registered Mail # XXXX on XX/XX/XXXX and received XX/XX/XXXX and to XXXX XXXX XXXX XXXX Attorney at XXXX and XXXX XXXX. | ||||||
| 07/15/2017 | Yes |
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Web | Servicemember |
| This complain is about the Navy Federal cash rewards credit cards. I have been banking with them since 2014 and I have the credit card in question since then as well. currently the limit on my credit card is {$16000.00}. While I was in XXXX program, I made a conscious effort to go into a partnership business by setting up a XXXX XXXX borrowing off my credit card with the hope of increasing my source of income. Overtime, this was n't the case and currently I have been paying back on this credit card. Recently, I realized for almost a year now I have been paying the minimum amount on this card without using it for any purpose, yet this whole payment has been overshadowed by interest on purchases and interest on cash advances which in return literally takes my minimum payment for interest only. I did a personal calculation on what I have paid so far in a year it all summed up to about {$6500.00} yet my credit card debt only show an available balance of less than {$1000.00}. Meaning they are forcing me into some form of debt servitude/peonage because despite making monthly payment I ended up still subjected to making more and more payment only for them to claim interest on it. Initial reaction I thought minimum payment only meant you have more years to pay off your debt not pay off some false interest that is usually taken what you pay. I hope this can be resolved with this bank because they are taking advantage of service members with this practices at the expense of their own existence. This is a fraud and something has to be done if not it will be extended farther than expected. Thanks | ||||||
| 08/23/2023 | Yes |
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| On XX/XX/2023, I applied for both a secured credit card and a pledge loan, but to my disappointment, both applications were denied. I find it puzzling since I've been a member for years, and because these accounts were secured, I felt a sense of discrimination as a XXXX XXXX male from an institution that I believed prided itself on being welcoming and family-oriented. However, I realize that my decision to file for bankruptcy earlier this year might have influenced the outcome. I also acknowledge that my financial difficulties might have caused losses for Navy Federal. Having spoken to numerous customer service representatives, I emphasized that I didn't want to file for bankruptcy protection. The loss of my job and the passing of my uncle due to XXXX have created significant hardships, making it challenging to meet the minimum payment requirements. On XX/XX/2023, I received a response within the Navy Federal app regarding a reconsideration for both applications, but they declined. On XX/XX/2023, I managed to speak with a manager who mentioned that they could remove the software block from my account, as evidenced in my attached screenshot, and they promised to call me back. However, to date, I haven't received any response. I'm interested in having the Consumer Financial Protection Bureau ( CFPB ) investigate this situation. I want clarity on whether a bank institution is legally allowed to take such actions. After reading numerous forums and hearing stories of others being banned from Navy Federal Credit Union, I'm curious to know if their practices align with constitutional principles. | ||||||
| 12/30/2022 | Yes |
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| On XX/XX/22 I purchased a car from XXXX after 3 hours of driving the car the check the engine light came on so I contacted the dealership and was told that i purchased the car as is and would have to pay out of pocket to fix the car issue. I paid the dealership {$1000.00} to have the car fixed. The dealership then gave me the name of their mechanic XXXX XXXX. After leaving my car two days with the mechanic I was told my car has been fixed and to come pick it up. After two days of driving my car the check the engine light came back on. With several attempts to contact the dealership and mechanic I got the run around for an entire month with absolutely no help. So I had to take my car to XXXX to have the problem fixed which my bank can clearly see that transaction on my account. I contacted my bank XXXX XXXX to dispute the {$1000.00} I paid the dealership to have my car fixed I was told by XXXX XXXXl to submit my evidence and after review they would make a decision on refunding my {$1000.00}. So after review XXXX XXXX refunded the {$1000.00} to my account then a month later XXXXXXXX XXXX took the {$1000.00} back and when I ask the reason why I was told they now want me to come up with even more evidence of what was already submitted to them which makes no sense they have more than enough evidence and the injustice of taking the {$1000.00} back a month later with no valid reason. Attachments below is evidence of ( 1 ) correspondence between me and the dealership and my ( 2 ) bank statement showing I had to go to XXXX to have the car issue fixed and pay out pocket again in almost the same amount | ||||||
| 03/06/2022 | Yes |
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Web | Servicemember |
| According to a recent phone call with the collections department of Navy Federal Credit Union, my last payment made to them for my previous revolving credit account ending in XXXX was in XXXX of XXXX. NFCU claims that my balance on said account at that time was {$26000.00}. They locked that account for identity fraud in XXXX as someone I don't know called on my behalf. The balance then was less than the limit which was {$23000.00}. They did not allow me to make payments, which were made faithfully since the account was opened, via my online account as it was frozen also. Their claim was I needed to come to the nearest branch in person with two forms of ID to make cash deposits for the payments from that point forward. The nearest branch to me was in XXXX, OH over 3 hours away. They would also no longer provide me with account statements as they were paperless and I could no longer access my account online. I feel that was against the law and I reached out to them about this and was met with no solution or even acknowledgement. I wrote to them as they would no longer communicate with me by phone at that time. I continued to make payments into XXXX but stopped as they refused to give me any kind of account statement or balance. My complaint ( s ) are as follows : The refusal to give me an account statement as well as why is the account being continually charged off from XXXX of XXXX until XXXX of XXXX. According to my XXXX credit report ( attached ) NFCU has reported the account as 120 days late in XXXX of XXXX and charged off in XXXX of XXXX which conflicts with what they told me on the phone. | ||||||
| 09/25/2017 | Yes |
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Web | Servicemember |
| On or aboutXX/XX/XXXX I open a bill consolidation loan with Navy Federal Credit Union loan number XXXX : I have refinance this loan on or aboutXX/XX/XXXX I consolidated 4 loans 3 auto loans as well as a charge off account of {$10000.00} credit card debt : Which has been charge off for over 1 or 2 yrs ago. with interest and fees from the charge off credit card debt : On or about XX/XX/XXXX I received a redress payment for only 2 out of 3 loans for about {$1500.00} from a settlement between Navy Federal and Consumer Financial Protection Bureau for bad collection practices I guess : " Complaint '' My bill consolidation loan is due on the 12th of every month and since I have not made the payment for XXXX as of yet : Navy Federal Credit Union has been taking money from my saving account and checking account and applying it to my current loan : I am only 2 weeks behind on my current loan and Navy Federal is transferring small amounts of my money from my saving account to my loan : On XX/XX/XXXX {$38.00} was transfer from my checking account to my current loan without my consent : On XX/XX/XXXX {$18.00} was transfer from my saving account to my current loan without my consent : This has been going on for a few months now : I only discover the theft today on XX/XX/XXXX : I was not aware or was not notify that fees or collection fees would be transfer from my saving/checking account without my permission : To be apply to a current loan : My current loan is not 30 days past due or 60 days past due and has already been charge fees : I pray for CFPB help and relief one more time in this matter : Thank You | ||||||
| 12/22/2020 | Yes |
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| As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! | ||||||
| 01/05/2016 | Yes |
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| RE : XXXX Contacted Navy Federal CU to setup my mortgage payment this month. Due to recurring issues with car repairs I had to set the payment up in two installments, the first payment dated for today and the second payment dated for XX/XX/XXXX. I was told by a collections rep, by the name of XXXX/Employee ID # XXXX, that it was against their policy to set the payment up in installments. I have felt with this issue before with Navy Fed CU and advised the representative that he was incorrect and that he needed to set my payment up as I had requested. After dealing with his frustrating and harassing tactics for over 30 minutes he finally set the payments up as I had requested of him, in installments as outlined above. The employee did not act in accordance with their policies and procedures and I asked him on many occasions why he was refusing to take my payment. He refused to answer the question, primarily because calls are recorded. It seems to me that this tactic can be construed as Navy Federal CU causing consumers frustration and stress which could lead in consumers becoming delinquent with their mortgage payments. Navy Federal CU needs to put a stop to these harassing tactics - when consumers call in to make a payment they need to be accommodating and not harassing. I would like this concern to be made public and I want someone in Management or in the Legal Dept at Navy Fed CU to contact me. Lastly, I want to also mention that my mortgage with Navy Fed CU has never been more than 30 days late so I do n't deserve to be treated like someone who is n't paying their bills responsibly. | ||||||
| 09/26/2022 | Yes |
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| Navy federal has damaged my Credit with late payments on all the credit reporting agencies to scare me into paying a debt I do not owe. I sent XXXX XXXX XXXX DBA navy federal my rescission back in XXXX of 2021 rescinded my signature from the contract and navy federal continues their deceptive business practices to collect a debt not owed. Pursuant to 12 cfr 226.15 I have a right to rescind any contract but I was never informed I had this right so I enforced it as soon as I read the law. Navy Federal never loaned me anything of value 12 usc 1431 says that banks are the borrowers. I the consumer extended navy federal credit and they are coercing me to re-pay an extension of credit by jeopardizing my consumer credit reputation with other financial institutions is text book extortion. I also sent navy federal ( XXXX XXXX XXXX ) a cease and desist and navy federal has yet to comply with my demands in the cease and desist. This is a criminal violation of 15 usc 1611for willful and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. This is extortion and I want get my remedy immediately. | ||||||
| 08/06/2023 | Yes |
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| On XX/XX/2023, I went to the XXXX NC Branch to apply for a used car loan. I had my children with me, I had a bill of sale with me and I recorded the transaction for my personal files and safety. XXXX was the representative that filled out the application on my behalf, he asked me a series of questions and he had me sign the electronic key pad for the promissory note, the GAAP Insurance and for the disclosures. I had asked XXXX XXXX for a copy of all the documents that I signed and he explained to me that he was not able to print them out at the moment but he assured me that I will retrieve the copies in the mail along with the response of a denial or an approval. I never received the copies. I did send an Adverse Action Letter upon receipt of the denial letter and then I received another letter from XXXX XXXX XXXX in response to my adverse action letter. I called customer service to get copies of the documents that I requested and I was asked if I had appealed the decision? I said I did not know I could Appeal the decision, no one had disclosed that information to me and is it to late to appeal it? The Rep. stated that it was to late to appeal it. She also stated that there are no signed documents along with my application. I know that the Bank that I am Banking with is committing Bank Fraud and there is no statute of limitation on Fraud. I still want a copy of all the documents that I signed on XX/XX/23 and I want this matter to be thoroughly investigated to further support my claims. I am the holder in due course and the original creditor therefore I was not supposed to be denied credit. | ||||||
| 07/19/2022 | Yes |
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| My name is XXXX XXXX. I sent Navy Federal Credit and there registered agent a billing error notice. As a consumer they fail to apply a credit that I am due, and also they withheld this information from me. Pursuant 12 cfr 1026.13 this constitutes as a billing error .Navy Federal Credit Union is notorious for shutting down consumers accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and cant do to the consumer. I feel as Navy Federal has taken a advantage of me for a long time. They withheld this information while I was paying them when I was due a credit. They same letter was also sent to The Alabama Attorney General. | ||||||
| 01/09/2022 | Yes |
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Web | Older American |
| Used XXXX to pay for on-line purchase of XXXX XXXX XXXX. Once seller received the payment ( {$2500.00} ) they did not send the product nor further respond to my communications. They have blocked my telephone calls and refuse to respond to my emails. My payments ( {$2000.00}, {$500.00} ) cleared XX/XX/XXXX & XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, SC. XXXX ( above number & e-mail used for XXXX account ). XXXX bank account. Co-conspirator : XXXX XXXX no confirmed address. XXXX. Their XXXX account is still active as are the e-mail and their phone numbers. My compliant is that I have no recourse to either receive the product or a refund. XXXX has their contact info, I have their Phone numbers and email address and the names they used to scam me. Why is there no enforcement agency that can assist me to resolve this. I am XXXX and XXXX and need assistance as there is no way to cancel a transaction or force a refund. My bank Navy Federal Credit Union essentially tells me tough luck! I received a USPS tracking number but USPS never received any parcel. Isnt there an agency that handles wire fraud, mail fraud, scams, elder scams, tax evasion, false ( misleading ) advertising, or any similar crime. XXXX did not cancel their account so they just continue scamming the public. Where is the justice for me? Or others who have been robbed? Is this legal, sanctioned theft? ( I can not guarantee the stated identities of above persons, I only have email documentation. This is in no way an attempt to defame, harass, or implicate any other person with above names, addresses, emails or phone numbers ) | ||||||
| 09/03/2020 | Yes |
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Web | Servicemember |
| Navy federal credit union, took out XXXX dollars out of my checking account after I found a discrepancy in a dispute on XX/XX/2020 I filed a dispute on some transactions and the rep on the phone I found out later on that this person disputed the same transaction that navy federal credit union already resolved it was a transaction of XXXX that was charged by XXXX fraudulently, this morning I found that my account was charged for an amount of XXXX dollars that I didnt even know that in my account, it put my account in the negative, I had called several people about this issue and know body wanted to help, several people couldnt even keep their story straight over the phone and basically I was being accused and called a liar, I treated badly and disrespected by a supervisor and a manager name XXXX, Im filing this complaint to have this fixed or ill take my business else where. Im not going of tolerate being called a liar when I know what happen to me, my account was charged illegally because someone disputed the same charge after navy federal credit union already resolved I want to speak to executive relations of navy federal credit union, I dont appreciate and Im tired of being treated badly by this credit union I also turn this over to the better business bureau for help, I got hung up on, and told wrong information, I want this resolved and my account credit back, I did not see any thing of XXXX dollars ever credited to my account, please resolve this matter and reach out to me I want the executive customer relations to reach out before I close my accounts with navy federal credit union. | ||||||
| 07/31/2023 | Yes |
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Web | Servicemember |
| I, the consumer, applied in good faith for a personal auto loan on XX/XX/XXXX for the amount of {$84000.00} for vehicle vin # XXXX. NAVY FEDERAL CREDIT UNION denied my application, stating denial based off information on my consumer reports and my credit score. I informed NAVY FEDERAL CREDIT UNION several times that there is no federal law stating that they can deny me an extension of my own credit. And in denying me, they would be causing adverse action against my natural and legal person. I informed NAVY FEDERAL CREDIT UNION that they are denying me my credit rights, secured by the Constitution and federal and public laws. 15 U.S.C 1611 states they can not give me false and inaccurate information. I explained to NAVY FEDERAL CREDIT UNION why income, consumer reports, and scores do not matter : 18 U.S.C 8. ... '' All debts are the obligation of United States Inc ... '' Emergency Banking Act of 1933. Social Security Act of 1935. The United States Constitution : Article 1 Sec 8 clause 1. " ... to pay the Debts and provide for the common Defense and general Welfare of the United States ... '' Article 1 Sec 10 clause 1. House Resolution 192 Public Law 73-10. There is no currency, consumer can not pay debt with debt. That's why with every account statement there is a payment coupon to discharge debt per U.C.C 3-306 ( b ). I entered into a beneficiary role with NAVY FEDERAL CREDIT UNION and I find them in default. NAVY FEDERAL CREDIT UNION did not act in my natural or legal persons best interests during my consumer credit transaction/ request for purchase money loan| financed sale. | ||||||
| 03/10/2023 | Yes |
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Web | Servicemember |
| In 2019, I co signed for a car loan thru Navy Federal for my young daughter, who was attending college at the time. The car was found at a local car lot called XXXX XXXX XXXX, and the loan was for {$6500.00}. The owner of car lot, talked to us about a connection they had at Navy Federal, and that they sent all there're customers here for financing. I didn't have a problem with that because I bank with them also. After applying, the salesman drove us to the nearest Navy Federal on XXXX XXXX in XXXX XXXX XXXX, and took us to a known salesman to start the loan procedure. The loan XXXX or clerk took our information and printed a check and we were done in the matter of XXXX to XXXX minutes. I have since not been able to obtain a car title nor get the vehicle registered in my state. The owner promised the title would be available in a few weeks. Eventually, weeks turned to months and months to years. He eventually explained to my husband and myself that he couldn't get the title because it belonged to XXXX XXXX XXXX, but was in process of obtaining it.. All the while visiting the car lot every month to attain a monthly paper tag from the owner because he didn't hold a legal title to this vehicle prior to selling it to me. I contacted the bank, and they advised me that they had nothing to do with me not obtaining a title, then they changed my car loan to a counter loan. Therefore sticking me with a car I can not register, and a loan on a car I ca n't drive. I am currently still paying on this loan every month, So I am seeking help from your office of experts in this matter, Thank you! | ||||||
| 01/18/2023 | Yes |
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| Navy federal has continued to harass me for a alleged debt. I told them not to contact me a while back and they continued contact me and are in violation of 15 usc 1692d ( 4 ) ( 5 ) and it states ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. Spoke with a representative regarding this matter they said they can not contact me for 30days but I never agreed to those terms because that isnt what the law says. I dont want them contacting me unless its about payment for the violation of the law. | ||||||
| 12/17/2022 | Yes |
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Web | Servicemember |
| I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent Navy Federal CR Union : Account number : XXXX open date inconsistent and or duplicate account. Navy Federal CU : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX XXXX Account number : XXXX inconsistent. Not mine, do not have a contract with them. I also have XXXX different social security numbers being reported on my XXXX report which is impossible. My social security number ends XXXX XXXX, but you have it has XXXX XXXX XXXX XXXX which suggests these accounts may belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent. | ||||||
| 02/09/2021 | Yes |
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Web | Servicemember |
| Hello I'm currently assisting my elderly parents on a home re-finance. This has been through Navy Federal Credit Union. The process started on XX/XX/2020. It has still not closed. I have provided all necessary documents within 24 hours ( without delay on my end ) of me being asked for any documentation. At the inception of the loan process Navy Federal advised that they were having delays because of the volume taking place. I can understand that. However I have had very little communication with my loan processor. I have emailed, called and left voicemails. When I had 1 response to call me as I had additional questions it was again followed by no more responses. Personally this has been one of the most unprofessional financial transactions I have ever dealt with. I finally did get some traction however. On XX/XX/XXXX after responding to a survey from Navy Fed if I was still interested in the mortgage I had a response from a REL Resolution Specialist. This person appears to be getting everything back on track and is responding within 3-6 hours of my emails. After this help it seems like the loan processor created a new application in error then sent a corrected one. It's now been quiet again and I'm still waiting. I wanted extra insurance and signed a rate lock because I'm not confident Navy Fed can deliver this loan in a timely manner. Navy Fed also has a large amount of older Veterans that they work for and I think it's a shame that they allow this level of service to occur. While I may not have all proof of incoming calls. I have kept all my email correspondence with them. | ||||||
| 10/09/2017 | Yes |
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| To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company. This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Please read note and see picture attachment of dates. Sincerely, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX | ||||||
| 01/26/2021 | Yes |
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| I made a purchase for XXXX from curveous boutique. On XX/XX/2020 the mail carrier mis delivered my package. I went to the post office letting them know I never received the package. The post office told me to contact my bank which I did. The bank is telling me someone signed for the package a XXXX XXXX i explained I am not XXXX XXXX and I dont know who he is, later I found out it was a fill in mail carriers name. I have been disputing this since XX/XX/2020 with no resolution. I finally got a letter from the post office explaining I never received the package, after tracking it they realized it was delivered to XXXX instead of XXXX the bank told me its too late to get my money because of the lapse in time. I expressed to them that it was and ongoing investigation and that I had no control of when the post office would send a letter explaining meanwhile that XXXX made my account negative which then caused many things to be negative experiencing a XXXX additional fee. For each negative transaction I have never been able to get ahead after that. My son was murdered XX/XX/2020 and I havent been able to work my money is limited this charge has caused stress and anxiety because of the over drafts I have been behind because of that one transaction. Im Grieving and without working, money is extremely tight, because of that one transaction its made all my furture transactions become negative too Im currently out on disability ( after I lost my son ) I dont have money like that anymore it has been a struggle. Many may not be affected but XXXX has been tough to recover from. Please help, thank you | ||||||
| 08/01/2017 | Yes |
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| Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested. It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} Navy Federal Credit Union No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00} | ||||||
| 04/29/2020 | Yes |
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Web | Older American, Servicemember |
| Consumer Financial Protection Bureau ( CFPB ) Original Complaint Closed Re : Complaint ID XXXX dated XX/XX/2020 Submitted follow-up complaint XX/XX/2020 Good Morning CFPB Representative, This is follow-up letter to our original complaint. Navy Federal Credit Union ( NFCU ) did not manage our mortgage refinance ( refi ) loan request in a timely manner. Four months have elapsed since NFCU indicated they were reconsidering our application. We sent an email to NFCU on XX/XX/2020 to XXXX XXXX, Mortgage Processor III and XXXX XXXX, Supervisor, Mortgage Supervisor requesting a status. We received an email notification on XXXX, 2020 from XXXX Branch, Mortgage Production Supervisor, the 3rd manager assigned to our loan, that she was assigned to our refi and was working on getting your loan through initial review so we ( NFCU ) can get your loan closer to closing. On XX/XX/2020, in response to our original complaint, NFCU agreed to reconsider our mortgage refi at the rate we initially agreed upon. Additional documents were requested, all documents were submitted and a property appraisal was completed. This refi was initially begun nine months ago in response to an email solicitation from NFCU. We give up! This was an egregious way to treat a veteran and member of NFCU. We have requested a refi loan from a different lender resulting in a .75 % increased interest rate due to NFCUs ineptitude. To satisfy this complaint NFCU needs to refund all fees they collected from us for this sham re-submission of our refi application, including the fee for the completed appraisal. Respectfully, The XXXX | ||||||
| 09/19/2019 | Yes |
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Web | Servicemember |
| We are under contract to buy a home and had been working with Navy Federal in the mortgage process. We received pre-approval in a relatively timely manner and a loan estimate via email after repeated phone calls and email attempts. When we decided to use Navy Federal as a lender, we began calling with questions for our loan officer. We called approximately 60-70 times and left at least a dozen messages for both her and her listed supervisor. We have still never spoken to her or her supervisor on the phone or received a call back, only sporadic emails ( maybe 5-6. ). Getting increasingly frustrated with the lack of contact, we called NFCU general phone number on two occasions. The first occasion resulted in the agent going in to speak with our loan officer ( XXXX XXXX ) then relaying information to me, namely that XXXX was too busy to talk and that we would receive a call back. We did not receive a call. XXXX business days later I called the general number once again and was told that XXXX was in the office but could not be reached. The call was escalated to a supervisor. The supervisor informed me that he would email XXXX and her direct supervisor but that no other action could be taken to assist us. When asked what a reasonable time frame in which we would be contacted, he stated that he was unable to predict the future. We inquired on both calls with the customer support about switching loan officers and both times we were informed we could apply for a new officer, but would not be able to get one within our closing window to avoid delaying closing date ( deadline of XX/XX/2019. ) | ||||||
| 01/02/2019 | Yes |
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Web | Servicemember |
| My husband has also made a complaint against Navy Federal. He took out a personal loan and in XX/XX/2018, Navy Federal contacted me to say he was late on the loan payment and that I was a co-signer. I never co-signed any loan. I have never been in a Navy Federal location and have not signed any documents with them. Prior to this, we had an identity theft issue at Navy Federal where they said we had a loan out and my husband ended up filing a police report. In the summer of XX/XX/2018, I got a call again from Navy Federal saying my husband 's checks bounced. I told them again that I did not co-sign for the loan and they urged me to not take my name off of the loan as it would cause my husband legal trouble. My husband said he signed up for the loan over the phone and then went into a Navy Federal location to sign the paperwork. We then asked for them to mail us the paperwork where it would indicate I co-signed the loan and we never received anything from them in the mail. In XX/XX/2018, I received a letter from Navy Federal stating the loan had an outstanding balance of XXXX. My husband took out a loan for XXXX to consolidate debt from medical bills. The last time he spoke to Navy Federal, he had explained that he had lost his job and that they were working out an installment plan. We had no indication that this loan had accrued XXXX in fees. No letter or phone call was made and he was under the assumption that the installment plan was still in place. When I contacted Navy Federal again, they said that the loan was in collections and we would not be able to remediate the issue. | ||||||
| 07/25/2023 | Yes |
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| I received my Annual Escrow Analysis on XX/XX/2023. My lender, Navy Federal Credit Union advised the amount applied to escrow needed to increase to satisfy the anticipated escrow disbursements for the following year. The amount quoted was {$2000.00}. I was given the option to pay that figure in full or pay the amount over a 12 month period with an increased monthly mortgage payment. The new payment schedule was to begin on XX/XX/2023. On XX/XX/2023, I paid the full escrow " shortage '' of {$2000.00} in addition to my regular monthly payment of {$1500.00}. Navy Federal mailed a new monthly mortgage invoice on XX/XX/2023 acknowledging the additional escrow payment and my regular monthly payment but still noted I was due to make the increased monthly payment of {$1800.00} on XX/XX/2023. I called Navy Federal on XX/XX/2023 and requested explanation for the increased payment. If I have paid the escrow in full, there should not be an increase of my monthly payment. The representative could not provide any other explanation other than, there are other fees they account for that may need to be paid. I asked for examples and she provided only " if '' a special tax assessment is made. I explained those are sent to the homeowner and not the mortgage company. I also asked for the correct escrow amount as I did not want my payment to increase. She could not provide that amount but also did not offer to return the additional escrow payment. I requested a return call from a manager or supervisor. As of the date of this complaint, I have not received additional communication from Navy Federal. | ||||||
| 01/29/2023 | Yes |
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| This navy federal acct XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XX/XX/2022. I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/2022. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent Navy Federal a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. Navy Federal is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my XXXX given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life | ||||||
| 08/03/2018 | Yes |
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| On XX/XX/XXXX Navy Federal Credit Union deducted XXXX from a joint account I had with my significant other and listed the debit as a DR without notification to me at all. The debt had started to be paid off with {$50.00}, which was stated to me and it dropped off. I have reached out to this establishment several times to their office in my area and over the telephone to come to some sort of real closure to this issues. I have even tried to speak to the person who withdrew the monies from a new account that I had established with them for almost 2 years now. The representative said they have the right withdraw the monies that was owed anytime they wanted and their is no limitation to how long a debt is owed if it comes around they will just collect with no warnings. Again that was the monies that said was owed is an old debt from XX/XX/XXXX/XX/XX/XXXX which the representative said she sent several years ago. I am not saying the debt should not be paid but I am really dissatisfied about the way the monies was deducted from an account that I have established with someone else. Even the employees in the credit union were not understanding why the actions were taken like they were. I have also found notification online from the XXXX XXXX of the tactics the credit union have taken to collect monies and have a suit against them in previous years that they do owe consumers more respect in the way they want to collect old debt from customers. I'm just having a hard time with the way the monies was taken without any further notifications or warnings and think it is right after 7 years. | ||||||
| 02/07/2017 | Yes |
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Web | Older American |
| My father told his XXXX children that he had made them equal beneficiaries of his bank account. As he become more frail, he made me a joint owner without right of survivorship. After he passed away, the bank told me that he had not made his children beneficiaries. My understanding is that if the funds pass into my father 's estate, the attorney handling the estate will include that amount in calculating his fee. I have a joint account with my wife at the same bank that was linked electronically to my father 's account. I transferred most of the money into that joint account and informed the bank that I would distribute it to my brother and sisters as my father intended. Without notice to me, the bank withdrew the money from my joint account with my wife and unlinked my father 's account from mine. I understand that laws may vary from state to state but, after reading through the membership agreement, I believe the bank has no authority to do what they did. They have refused to answer my questions concerning this. I have attached the membership disclosure. It states that a joint owner can not be removed without his permission, which they essentially violated. It says that for a joint owner without rights of survivorship that the decedent 's share passes to his estate ; it does not give the bank the right to determine what portion should pass to the decedent 's estate. It does not say that my joint ownership ends. There is no statutory lien against the decedent 's account. They have violated the membership agreement and have arbitrarily deprived me of my rights as joint owner. | ||||||
| 01/09/2023 | Yes |
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| To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. | ||||||
| 01/09/2023 | Yes |
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Web | |
| To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. | ||||||
| 10/15/2021 | Yes |
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Web | Servicemember |
| I have been a customer of Navy Federal Credit Union ( NFCU ) since about XX/XX/2021. I have had minimal issues until XX/XX/2021 at which time a representative thought I was a female attempting to access my own account and I had to prove my identity. On XX/XX/2021, I attempted to purchase food at a restaurant and was unable to as my debit card and NFCU issued credit card were both declined. I assumed there may have been a fraud alert that placed a hold on my account. I attempted to login to see if it could be resolved via the app and it could not. I spoke to a representative regarding the issue and she stated the notes said that the account was opened fraudulently and they will be closed. I was unsure of what would have caused this, so I asked to speak to someone regarding this and I was advised to call back at between XXXX and XXXX ET. I called back on XX/XX/2021 and spoke to 'XXXX ' in the 'Security Operations ' department. She stated that the accounts were put in a permanent restricted status due to the fact that the accounts were opened by means of Identity Theft. This is not the case as I am a victim of identity theft, so much so that my Social Security Number was cancelled and reissued in XX/XX/2021 as a result of identity theft. I had explained this around XX/XX/2021 to the representatives. I believe there is no logical reasoning behind the closure of the accounts, Further I was advised that they may hold the active funds in the Checking, Saving, and Security for the Secured Credit Card up to 2 years which seems illegal. I have exhausted all attempts to resolve this. | ||||||
| 11/16/2023 | Yes |
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| XXXX refused to update my XX/XX/2023 statement closing balance to reflect my Navy Federal Credit card was paid in full with a XXXX balance. Navy Federal Credit Union submitted balance information to XXXX but with my balance as of XX/XX/2023 which didn't reflect my true and accurate statement close as of XX/XX/2023. Navy Federal Credit Union advised XXXX 's credit reporting system has an internal glitch that they are aware of and has been ongoing for some time. Navy Federal advised they could not backdate or submit my XX/XX/XXXX statement because XXXX would not allow for it to be submitted. Navy Federal agreed to resubmit my information to XXXX after i paid my card in full, however, upon submitting a payment in full Navy Federal advised XXXX would only accept XXXX credit update every 30 days and any additional updates would be denied by XXXX. I was directed by a supervisor to pay the card off and Navy Federal would in fact submit another report to XXXX. This did not occur. The system error and refusal to rectify this issue has caused me significant financial hardship and denied my ability to receive favorable credit and obtain financial products that would allow me as a Federal employee on deployment to utilize an unrestricted government card due to my credit score. An update to my credit score would have allow me to avoid out of pocket cost and untimely reimbursement of funds that could be used to support my family, but instead were tied up awaiting reimbursement. An update to my credit score would have also allowed me to close on the refinancing of a commercial property. | ||||||
| 03/07/2023 | Yes |
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| I have never contacted my bank before in which is Navy Federal a credit Union. Ive never contacted them about funds being stolen from my account. In which it has happened before but the XXXX app the person tried to use was able to block the charges. No help to my bank. I live in a small area and I dont travel. I work 7 days a week and I can travel out of town. My cards was stolen on top of my cell phone on which had apps the had my contact information and some card information stored on the phone. I notice XXXX $ was taken out of my card in numerous ways via stores and XXXX purchases. In which I dont se XXXX to make up {$900.00} worth of purchases. Im a routine person. Navy federal told me they are taking my provisional credit back because its normal activity for me and that is just not true. This bank does not do a thorough investigation and will loose a lot of consumers if we cant even trust them to secure our funds! Im a single mother I just got my taxes and spent it all to pull myself out of the hole I was in and I placed {$1200.00} to the side to go on top of my work checks so me and my kids will never be in a bind again! But now someone stealing my information and cards me contacting navy federal to let them no whats going on only for them to do absolutely nothing is the most disheartening thing ever what about protecting your consumers. At this point I wan to find another bank that can promise to secure my account. The charges should have looked suspicious to the bank and they should have blocked those charges mid transaction because its out of the ordinary for me. | ||||||
| 05/28/2021 | Yes |
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Web | Servicemember |
| Last year I applied for a VA Streamline refinance for an interest rate deduction with my mortgage lender, Navy Federal Credit Union ( NFCU ). Shortly after I signed my closing documents, I received an email from NFCU stating that there was a short and that I need to pay an estimated {$4500.00}. I complained to NFCU and submitted a complaint via CFPB. According to NFCU in a follow-up call, the issue was created from monies deducted from my escrow account to pay XXXX property taxes. NFCU further stated that the problem was resolved and that I did not have to pay the money. In XXXX, I received a final notice from the XXXX County tax collector 's office requesting payments for the property taxes. I contacted NFCU about the issue, and during the initial conversation on the phone, an agent assured me that the taxes were paid and there was documentation to back that up. Not being satisfied with the answer, I decided to conference the property tax office to discuss the issue. The property tax office denied receiving payments from NFCU during the call, which lead the agent to conduct further research. It turned out that NFCU had not paid the taxes ; therefore, they could not provide the proof of payment that the tax office was requesting. NFCU has since settled the tax bill on XXXX XXXX, XXXX ; however, they're requesting that I pay the money back. I feel they misled me because I paid {$5000.00} during closing for the refinance, and now I'm asking to come up with additional funds. My closing disclosure clearly states that taxes and insurance updates were part of my loan estimates. | ||||||
| 02/05/2019 | Yes |
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Web | Servicemember |
| I applied for a pre-approved loan that was advertised if approved I can use a blank check to purchase a vehicle with only a disclaimer if full amount is not used or vehicle value is overpriced, Navy federal will not honor rate or amount over. I purchased a vehicle through XXXX XXXX in XXXX on XX/XX/2019 under blue book value and transaction went smooth and drove vehicle back to XXXX. About 4 days later the dealer ( XXXX XXXX XXXX XXXX XXXX ) calls and notifies me of issues with Navy Federal not honoring the check due to Vin number being for commercial classified truck. Navy Federal did not disclose this in their pre- approval instructions and vehicle was a privately owned ( 1 owner vehicle ) used to pull an RV. Navy Federal gave me a run around first stating problems with vehicle as collateral, then directed me through a new loan process, only to deny me again due to loan type not qualifying for vehicle purchase. This forced me to shop last minute for lenders, to include financing through XXXX XXXX, resulting in multiple credit inquiries further sending red flags for other lenders. I am currently in possession of said vehicle, which is already insured privately, but am in limbo while also juggling my military duties. This situation stemming from Navy Federal has caused me undue stress, burden, and damaging results to my credit and I am seeking resolution. I have never missed any payments and have 2 active mortgages, several credit cards balance always paid in full with no remaining balance, and a personal loan which has been paid always on time with additional principle. | ||||||
| 07/29/2017 | Yes |
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Web | Servicemember |
| Timeline of Events for Unauthorized Credit Card Navy Federal Credit Union Access # XXXX Account # XXXX Opened XX/XX/XXXX Two credit cards were opened ; one for XXXX XXXX the other for XXXX XXXX XXXX XXXX was designated as Primary ; XXXX XXXX was designated as Secondary all under the same account These credit cards were Visa Signature Rewards Cards Neither card was signed for by XXXX XXXX ( believe this was opened electronically and digitally ) XXXX XXXX never once was in possession of either card nor made any transaction with any credit card Payments were made periodically for approximately 9 months while XXXX XXXX and XXXX XXXX were living together Living location was XXXX XXXX XXXX XXXX . XXXX XXXX, Virginia XXXX Account went delinquent approximately XX/XX/XXXX XXXX XXXX upon realizing account was in his name files a police report for fraud with the XXXX Police Department Economics Crime Unit approximately XX/XX/XXXX XXXX XXXX also signs an Affidavit of credit card fraud and mails to Navy Federal Credit Union approximately XX/XX/XXXX. Navy Federal Credit Union Fraud department receives Affidavit and police report and conducts investigation XX/XX/XXXX Navy Federal Credit Union responds to XXXX XXXX with a rejection XXXX XXXX claim of fraud stating that credit card was opened almost a year ago and XXXX XXXX was well aware of all the charges since investigation traced back all to same address and that XXXX XXXX had signed on to his account countless times and only notified Navy Fed when card went delinquent. Essentially Navy Federal couldnt accept incognizance of XXXX XXXX | ||||||
| 02/01/2023 | Yes |
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Web | Servicemember |
| XX/XX/XXXX Spoke with XXXX XXXX last month about an issue with them reporting XXXX account to my credit file with the same information. they advised me to dispute it with XXXX which I did last Mon XX/XX/XXXX. XXXX updated the accounts they stated that they valid. I'm like how is a account that reports the XXXX accounts with information the same valid. Spoke to XXXX XXXX this morning she stated that the last time XXXX sent in a request form information was XX/XX/XXXX XXXX so here is the issue. XXXX XXXX XXXX is straight out not telling me the truth or XXXX is doing what they please. I called XXXX this morning after i spoke to XXXX federal, They told me that's what XXXX XXXX reported. I turned around and told XXXX how is that possible if XXXX XXXX told me this morning the last time you requested information was XX/XX/XXXX. So here we are and no one not XXXX XXXX nor XXXX what to take responsibility to passing the hot XXXX and destroying my credit and my life. This has me very very stressed cause now i received a report last week dated XX/XX/XXXX from XXXX and no they have XXXX of the same accounts reporting on my credit file and neither XXXX federal can explain nor XXXX explain and no one want to fix my problem. So what is a person to do but file a complaint and have XXXX federal stop sending multiply reports to XXXX or have XXXX do what they so please to do without any authority from XXXX XXXX, some one has to be held accountable but it is not me. Its not fair and its not legal on what XXXX XXXX and XXXX are doing to my life and nerves and the level of stress is amazing. | ||||||
| 08/22/2022 | Yes |
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Web | Servicemember |
| On XXXX XXXX I went to the XXXX Bank Atm to deposit money {$1100.00} cash ( XXXX XXXX XXXX ) I have deposit plenty of times my credit union is Navy Federal. The Atm was process my money and then froze told me unexpected error occur please contact your bank a gave me a slip with date of transaction didn't show the amount or anything. I contact bank right then an there. They stated they would help figure out what happen. I went to the XXXX XXXX XXXX spoke to the manager ( XXXX ) the next day at XXXX XXXX in the morning she contacted the back office and took my information stated that it's possibly that it went to reject bucket because of the amount it happens all the time she says. SO I waited a couples days to see what they would do. I got this email stating I would get a temporary credit while they investigate. So no credit ever came after 2 days, called My bank they told me. Sorry the Atm balanced. I ask them could yall please pull the cameras they say no there was no reason too. I went to XXXX XXXX again spoke to the manager same day this was Thursday of the same week. She called the dispute manager ( infront me in her office ) and she said Navy federal never submitted a claim they have been waiting ( becausethere was other people same issue ). So I am so confused because they asked me what bills did I have like denomination I told them and heard the lady say yes this is her money on the phone ( this XXXX XXXX XXXX ). I called Navy federal again they told me to submit another claim. I just been try get my money back someone to pull the cameras. Just back and forth. | ||||||
| 11/28/2023 | Yes |
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| On XX/XX/, I XXXX XXXX, applied for a XXXXXXXX Navy Federal unsecured, revolving credit card. I was denied and received an email stating their denial and that they will send out a letter stating why I was denied. Adverse Action letter was never sent out to my home address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is in direct violation of Equal Credit Opportunity Act 12 CFR 1002.9 " A creditor must notify an applicant of action taken on the applicant 's request for credit, whether favorable or adverse, within 30 days after receiving a completed application ''. They did, however, send me advertisements which discouraged me from applying to another one of their credit cards and have also sent me a letter stating that I am now an authorized user on my father 's Navy Federal Credit Union 's credit cards. The fact that they are sending me propaganda is also in violation of ECOA 12 CFR 1002.4 and further shows that this is not a case of inadvertent error or technical, printing error or any other technicality otherwise implied. Navy Federal has been able to send me without any problems other postage but negligently failed to send me a proper adverse action letter as mandated by consumer law. I have sent them on XXXX XXXX XXXX more than 30 days later certified mail with a return receipt hardcopy of a Notice of Failure to provide Adverse Action letter. I am attaching a scanned copies of this letter on this complaint form with certified mail receipt, as well as the propaganda sent to me recently, and the letter stating that I am an authorized user on my father 's credit line. | ||||||
| 12/29/2021 | Yes |
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Web | Servicemember |
| I have had this card for 4 years and last few years Ive had personal stuff going on that resulted in a injury and time off work. I contacted NFCu both times letting them know my circumstances even after I told them I kept trying to make my payments. I even had it to where I was only XXXX over the limit. Right when I paid my payment the interest hit again resulting in my payment making no impact. Which it has done continuously. They then told me they would work w me however the interest still hit resulting in over XXXX a month payments. Which was hard to do given being on workers comp and off work for an injury. They then promised they would lower my payment and keep my card open. However after that was promised they turned around and closed my card saying that my payments were missed in the past and they couldnt keep it open. Yes it was missed but thats why I contacted them to work w them. They lie non stop and promise customers that they would work w them when in general they over draw your acct more by tagging on more interest to the point that you are now over the limit by XXXX. They also asked me to pay XXXX a month on this cc. Not to mention being harassed two to three times a day w phone calls. Its ridiculous. Then you get threatened for being sued, credit reporting and so on. I have tried several times to work things out w NFCU but they are impossible. Even with XXXX hitting and me being on XXXX XXXX for a year they didnt even work w me. I would like help on this. I now owe XXXX on a XXXX cc w them. They guaranteed my card would stay open and lied about it. | ||||||
| 07/16/2022 | Yes |
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Web | Servicemember |
| I can't stop these unauthorized charges from coming out of my account at NFCU. I called NFCU twice today ; and the representative had me on hold for an hour, went silent and then ended the call. Called a second time, representative transferred me and call ended again. I asked NFCU to dispute the below fraudulent charges from company XXXX - this company tried to charge my other cards in the past as well and I had to dispute. XX/XX/2022 Pending XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX CA XXXX - {$19.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX CA XXXX - {$9.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX CA XXXX - {$4.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$9.00} -- The below from XXXX are unauthorized charges made by a minor- separate from the fraud charges from XXXX : XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXXXXXX XXXX XXXXXXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXXXXXX XXXX XXXX # CA XXXX - {$3.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$3.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$2.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX - {$19.00} | ||||||
| 03/25/2017 | Yes |
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Web | Servicemember |
| i went on a 7 month deployment XX/XX/2016 my car was left in the care of someone while my wife left the state they left it in a parking garage and someone stole the wheels from the car. i reported the car stolen in XX/XX/XXXX or XX/XX/XXXX because it was not parked where it was said it was parked. they found the car in XX/XX/XXXX it was stored in the insurance lot from XX/XX/XXXX until XX/XX/XXXX when it was placed in the lot all that was said was wrong was the wheels had been stolen. my wife had contacted XXXX and they stated it was just the wheels we paid {$400.00} dollars to get the car towed to a collision center. while at the collision center they told us that the car was totaled they would not work on the car due to the interior was ruined with mold all over the interior including all electronics. we tried to get XXXX to send another adjuster to look at the car and they refused to send someone out to look at the car. XXXX only gave us money for the wheels and closed the claim. the car was sitting in the collision center for 3 months before everything was said and done with the insurance claim with a storage fee of {$95.00} a day. i had no option but to have navy federal reposes the car because i could not afford to repair the car myself and get it out of storage. the car has since been repossessed and sold. i had to get another car loan through a car agency. and tried to refinance the car i no longer had to lower the payments so i did n't have to make 2 car payments of {$400.00} a piece for a car that i no longer have. i was denied the refinance of the vehicle. | ||||||
| 09/14/2022 | Yes |
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| I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). If you, Navy Federal Credit Union adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. I am aware that you Navy Federal Credit Union are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions. | ||||||
| 11/03/2019 | Yes |
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| I received a loan for a new car from my bank Navy federal credit union. ( in which they claim not to have copies of my sale of contract ) My bank has reposed my vehicle when they werent supposed to I had till XX/XX/2019 to make a payment per my bank. They repossessed my vehicle before the date provided to me. They then provided me with a repo account stating I needed to pay passed due amount of XXXX and fees for towing and storage fees. I went to branch to make that payment which went to a repossession account. I was suppose to get word where my vehicle was. Later to find out I had to go to the tow yard and pay the exact fees to tow company. Two month later they lost a payment I made to my loan later to find out it was applied to another persons loan in which I had no affiliation with. My bank had been stealing money from me for my loan and I dont know where some of these payment I made went. Every time I try to resolve these problems I get the run around and am never able to speak with the department that is supposably responsible. Either the department is closed for the day or they start making up things to confuse me. I began a hardship program starting XX/XX/XXXX was supposed to be on this program for 4 months however they are still pulling funds from my account just to pay the interest on the vehicle and late fees. My vehicle is now a lemon and without the sale contract I am unable to get the vehicle bought back or replaced. The old dealer ship quality XXXX of XXXX got bought out by XXXX XXXX, I am unable to get the document from the new owner. Please help me. | ||||||
| 03/27/2015 | Yes |
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| NFCU credit card put my account in collections after 84 days past due. I was having on going conversations with XXXX XXXX in the NFCU collections department that I wanted to make payments but that I was unemployed. On Day XXXX of being past due, I called XXXX XXXX to make a payment and I was informed that my account had been given to the law firm of XXXX XXXX. I asked why would you give my account away and she replied that " You did n't seem like you were was going to pay. '' Since NFCU tapes all conversations I informed XXXX XXXX, XXXX XXXX XXXX, to not destroy those tapes. I called the law office with the number provided by XXXX XXXX and was informed that accounts are never given over to collections before 90 days. I immediately made the payment to the law firm, a XXXX XXXX. In the process of making the payment I found out that NFCU did n't even give the law office my correct address, NFCU gave an address to the law office that I have n't lived at in over 15 years. NFCU sends me billing statements, collection letters and advertisement to the correct address every other week. If I had not called NFCU to make a payment I do n't know where this would have ended up, having not received any notice. Was that a deliberate action take by NFCU or the law firm. Please respond as to my rights. This does not seem like this was correctly handled. And, also now my credit rating will go even lower when it was not necessary. I have attached a letter from NFCU from the year 2005 that shows the account number and my correct address. It proves they had my address for 10 years. | ||||||
| 04/22/2022 | Yes |
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| Navy Federal has yet to address a dispute for a billing error that was raised in XX/XX/XXXX. They were sent a total of 4 payable instruments for the balance at the time of both of my accounts. 2 instruments for each account. To date, the payments have never been applied to my credit card accounts. They have yet to acknowledge that they have received it and refuse to send it back in the case that it was not accepted. A negotiable instrument is an acceptable form of payment as there is no money since the bankruptcy of this country in XXXX. Navy Federal continues to state that I owe them money for so-called outstanding bills and repayment of the money they " gave '' or loaned me. However, banks are not allowed to make loans according to 12 USC 83. The disclosures for these transactions have security interest clauses within it. A security interest can not be given to a person if the obligor has not already fulfilled their obligation. I am requesting the original wet-ink signed contract that compels me to perform in regards to this contract. A contract requires 2 signatures in order for it to be deemed valid. I have asked repeatedly for this information and this company keeps sending me a bunch of statements. In the case that Navy Federal can not provide me with the signed contract that I am requesting, they need to stop asking for repayment. I am requesting the return of my {$700.00} down payment, as a cash downpayment is a violation of TILA pursuant to 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) Please see attachment for affidavit and notice of rescission due in 20 days. | ||||||
| 12/10/2023 | Yes |
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Web | Servicemember |
| I have made several attempts to resolve this blatant defamation and violation of the FCRA by reporting and continue to accuse me of being responsible for these accounts. I have made my final attempt to resolve this fraudulent account by mail in XX/XX/2023 and till this date has not been properly investigated and removed from my credit. I spoke with someone at XXXX XXXX 's security dept. in XX/XX/2023 whom indicated that I would be getting a call back with in 48hrs which hasn't happened yet. These accounts are fraudulent and reporting on my credit as accurate and I have filed a police report as well, there was a suspect by the name of XXXX XXXX whom defrauded me and was arrested and has already pled guilty and convicted. I sent via priority mail the minute order by the courts disposition along with the district attorney 's business card to verify the fraud and my claim. I also sent a copy of the police report by mail which should have properly relieved me from the debt due to identity theft all to which XXXX XXXX has failed to properly investigate. This is my final attempt to resolve this debt amicably prior to seeking legal damages for neglect and defamation. Attached to this complaint I will be resending the exact same documents that I previously submitted via priority mail and hope that it lands in the hands of someone competent enough to properly investigate this fraudulent charged off debt and have it removed, as I was instructed to do so by the Dept. of Banking and Finance State Bank Regulators and National Association of Attorney General 's office. | ||||||
| 08/21/2023 | Yes |
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| End of XX/XX/XXXX : The company I performed work for, XXXX XXXX XXXX, XXXX, made out a check to my name in the amount of {$6600.00}. The company let me know shortly after that the check was sent out by USPS and that I should be anticipating the check within in a week 's time. XXXX XXXX : I had not received the check as promised, so I contacted XXXX asking for the status. XX/XX/XXXX : Unknown to me until XXXX XX/XX/XXXX, someone with the initials ( XXXX ) had stolen my check from USPS, forged my signature and endorsed the payment in-person at the Navy Federal Credit Union ( NFCU ) in XXXX XXXX XXXX CA. XX/XX/XXXX : XXXX notified me that the check had been cashed, to which I told them that I had never received it. They forwarded me a scan of the signed check, which showed it was ( i ) a forged signature and ( ii ) contained instructions to pay to the order of the initials XXXX XX/XX/XXXX : I contacted the NFCU to report the fraud, and they responded by saying that I would have to contact my own bank to resolve this issue, and that because I was not a customer, they had no obligations to reimburse me for the amount of the forged check. As my personal bank had no involvement in this one-time payment, I notified XXXX of this development and asked them to contact the NFCU on my behalf to resolve this matter between them and reimburse me for my loss. XXXX XXXX : I filed a police report on this matter with XXXX XXXX ( the location of the NFCU ) and XXXX. I also filed a report with USPS. XX/XX/XXXX : I filled out an affidavit of forgery addressed to the NFCU. | ||||||
| 02/09/2023 | Yes |
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| XX/XX/2023 at XXXX XXXX amount of {$5000.00} was fraudulently taken out of my account. I immediately went to the bank once notified about the illegal transaction. The bank had no empathy. They opened a new account to ensure that the new account wouldn't be hacked. However, the gave no provisional credit or insight other than informing me it would take 7-10 days. However, here on XX/XX/2023 the issue is still unresolved. On XX/XX/2023 i contacted them because I am very uneasy and explained to them I'm in the middle of buying a house and this is pushing back my settlement and me and my children can loose our house. The representative said IM SORRY YOU FEEL THIS WAY. So at that point i became irate. I have been nothing but patient. I put over 6 figures into a federally insured bank in which i trusted for years and they do not care because it's not their money. I had several products with this company and never experienced this with any bank. I have never been frauded, humiliated, and disrespected by an institution. I'm more hurt because this is the bank i liked the most out of all my banks. The customer service is very standoffish and they do not care. Not only that, security called me today for being frustrated with the rep on XX/XX/2023 yet they have yet to call me about the status of my claim, in which i haven't even received a follow up call or email. I am also making a police report. I just want my money back and to move on with my life in my new home this is absurd. This bank always advertises 0 fraud liability and at this point i am liable for being frauded. | ||||||
| 05/31/2019 | Yes |
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Web | Servicemember |
| I am writing in regards to what I feel is an illegal lending practice. Navy Federal Credit Union is attempting to collect payment for a refinance loan before there is any evidence the loan exists or funds have been sent to the prior lender ( the loan being refinanced ). In summary : 1 ) It took two weeks for Navy Federal to process the loan ( I have never had a loan take more than a day and funds have always instantly released directly to me ). This reigns true to a prior Navy Federal refining loan I received in the past. 2 ) I received an e-mail saying funds have been dispersed and a payment on the Navy Federal refinance loan is due in 14 days, yet : There is no loan listed under my Navy Federal Credit Union Loans and Lines of credit accounts. Funds have not been applied to the loan I was refinancing. The receiving bank ( the loan being refinanced ) is XXXX, there is no reason they couldnt accept loan payoff electronically and instantly since this supposed transfer was bank-to-bank. This entire process seems strange, as I have had 7 consumer loans in my lifetime and never have funds been transferred loan to loan before, the loan funds were always issued to me, into my bank account. Navy Federal is saying it may take up to 30 days for XXXX to process the payment, so now I have two payments due on the same day for two different loans from two different banks on the same {$27000.00} I find it really odd that a payment is due before there is any evidence of a transaction. Typically up to 45 days is the timeframe between loan disbursement and payment due date. | ||||||
| 03/15/2022 | Yes |
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Web | Servicemember |
| Several accounts are reported as closed on my credit report from Navy Federal Credit Union. These accounts contain either incomplete and/or inaccurate information. I have already taken the following courses of action to resolve this concerns with my credit report : 1. Filed a least one dispute for all listed items on my credit report from Navy Federal Credit Union with all 3 credit bureaus for inaccuracies. This yielded no result. All three credit bureaus reported that their information was investigated and deemed correct. 2. Called the institution for all account details to verify. Was informed that all accounts had been sold off to collections, and such information is no longer available. 3. After being given the contact information for the third party collections agency that purchased my debt, A phone call to a representative tells me that all internal information about the account before it was closed was not given to the collections agency, and I could have to contact the original creditor. 4. I contacted Navy Federal Credit Union via phone again, and was told the same thing. Apparently all account information the institution once had has been purged. 5. I composed a letter requesting all previous accounts ' information be disclosed in the form of a return correspondence via certified mail within 30 days of receipt of the letter. This letter was sent certified mail via USPS on XX/XX/XXXX, and received by the institution on XX/XX/XXXX. To date, as of XX/XX/XXXX, Navy Federal Union has not complied with the requests for disclosure I made in my letter. | ||||||
| 11/01/2021 | Yes |
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Web | Servicemember |
| I contacted Navy Federal Credit Union ( NFCU ) and spoke with a Mortgage Representative ( Ms. XXXX XXXX ( NMLS # XXXX ) and specifically asked, " Will NFCU accept/use an already approved Veteran 's Administration ( VA ) appraisal? '' and was told by Ms. XXXX that NFCU would ( Email from NFCU ( Ms. XXXX ) attached ). Although Ms. XXXX was not my loan processor, she was extremely helpful in providing answers to my questions. My Loan Processor, Ms. XXXX XXXX ( NMLS # XXXX ) sent me XXXX package ( Tracking # : XXXX XXXX XXXX ) to complete my refinance application and I returned it via XXXX as well. Afterwards, I ended up speaking with Ms. XXXX XXXX ( Supervisor, NFCU Mortgage Department ) ON XX/XX/2021, in great detail regarding my loan and Ms. XXXX asked if I wanted to have my loan transferred to another processor. My response was if it would take more time to process my loan, then I would stick with Ms. XXXX. After a week, Ms. XXXX left a voice message on XX/XX/2021, stating my VA appraisal will be transferred and that it will save processing time since it was already approved and its a VA loan. To my dismay, my loan was transferred on XX/XX/2021 to a new processor, Ms. XXXX XXXX ( NMLS # XXXX ) and was ultimately disapproved in XX/XX/2021 as a result of NFCU claiming it was due to my new credit score that was XXXX. I provided NFCU all the requested information only to be deliberately misled and ultimately disapproved and my credit along with my wife 's has been affected as a result of NFCU 's inability to process my refinance application in a timely manner... | ||||||
| 07/18/2017 | Yes |
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Web | Servicemember |
| Account # XXXX I have been a Navy Federal Member since joining the Military in XXXX . While in the military I was approved for a {$4000.00} line of credit with your company, I strongly believe the employees at Navy Federal saw me as fresh meat and prowled on my ignorance when it came to credit at that time. While having the account there were times where my bank card would be shut down due to non-payment, I had no issues making my payments while enlisted so I am not sure why that happened. When I would call customer service they would state that my bank card and account was locked until I made a payment. Mobile banking was also not an option for me when this would happen. I would go to the store and try to make a purchase and my card would come back declined, totally embarrassing. I transitioned out of the military and I did not gain steady employment until XX/XX/XXXX and my first paycheck was completely drafted from my account by navy federal, my plan was to begin payments as soon as I got paid but not my entire paycheck, I was mortified that this happened to Me. This account has been a nightmare since I opened the account. I did n't realize this was an institution that tricked their consumers in to credit accounts with first giving them knowledge. The young lady who opened the account pressured me to open this account because she fed off of the fact that I did n't have any credit and did n't know anything about it. I was also a victim of the lawsuit against navy federal practicing unlawful tactics to scare their consumers. Respectfully, XXXX XXXX | ||||||
| 10/06/2022 | Yes |
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Web | Servicemember |
| unlawfully garnished the accounts Financial institution for processing illegal, out-of-state garnishment orders against its my bank account. Financial institution unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the Secretary of State of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. XXXX will not allow a statue to be used as a cloak for fraud. Unlawful garnishment that has injured me and caused involuntary servitude. Financial institutions cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account. garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to zero balance. I do not ingress in florida where the fake order was established. | ||||||
| 01/04/2020 | Yes |
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Web | Servicemember |
| I requested my account to be closed in early XX/XX/2019 and Navy Federal did not close my account which one of the representatives said was due to processing time. By the account being left open according to the information given by the representatives they stated the account accrued multiple overdraft charges which resulted in multiple overdraft fees which I found highly unfair and poor practice. Furthermore, my account has been satisfactory without overdraft issues for a very long time, however, my wife overdrawn her account which is separate than mine and according to Navy Federal it was set up at the time at the branch for me to have the ability to transfer funds into her account if need be. Navy Federal instead of using my account as overdraft protection allowed her account to overdraw and charged her overdraft fees and when she decided that was unfair and not to use the account any longer Navy Federal waited almost two weeks then transferred money out of my account without notice and the result was my account went low and caused overdraft fees. I asked is " joined '' to her account why wouldn't it overdraft protect her account if I am responsible for it or why wouldn't someone inform me that money is going to be taken out of a separate account and no one could have a clear answer as to why this occurred. I think its a crime to say my account can overdraft protect an account but then don't overdraft the account which caused overdraft fees on both accounts. I want to explore all my options in regards to how this scheme takes advantage of individuals. | ||||||
| 12/16/2023 | Yes |
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| I alerted NFCU that when I went through the credit application process ( Which according to their disclosure that they sent me which states that electronic messages are considered " writing '' ) that I gave them a security and a tendered payment with instructions of how I wanted them to proceed with my application. I also included a POA document as well as informing NFCU CFO that I wished for my bill to be administered for set off each and every billing cycle. I was denied. According to Section 16 of the federal reserve act specifically where it addresses an application for notes, that in any application for notes what is applied for should be exactly what is received. I also became informed that the agent ( the CFO ) is compensated when my application and tender of payment they deposit it to the treasury. I do not understand how if I have trusted NFCU with my security ( my SSN ) how i do not receive a benefit when they have been compensated during the process and how I can possibly be being denied for a credit card To my current knowledge I believe this is a breach of fiduciary responsibility, as I trusted NFCU with my private information ( my SSN & tendered instructions ) but I was still denied I also altered NFCU that I was the Agent acting on behalf of the principal for which they did not respect the capacity for which I was acting ; My opportunity to act within good faith was never respected by NFCU, however they continued to say I was not worthy of credit, This to me is evidence of discrimination prohibited by the Equal credit opportunity act | ||||||
| 01/11/2023 | Yes |
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| Account number XXXX I Reached out to Navy Federal regarding accounts on my credit report that I believed were Inaccurate because of the account numbers that were listed as XXXX. From speaking to navy Federal initially deleted the account and then resubmitted. I wanted to readdress this account and move forward with our relationship. On ( XX/XX/2023 ), I received a copy of my credit report from ( XXXX ). That report lists my payments to you as being 'delinquent. ' My financial problems are now behind me and I am in a position to pay off this debt. I can pay a lump sum amount of {$1500.00} or I can pay installments in the amount of {$130.00} per month for 12 months if you will agree to XXXX of the following : ( ) If I make a lump sum payment, you will agree to remove all negative information from my credit file associated with the debt. ( ) If I agree to pay off the debt in monthly installments, you agree to 're-age ' my account- making the current month the first repayment month and showing no late payments as long as I make the agreed upon monthly payments. If this offer is acceptable to you, please check and initial XXXX of the above choices, sign your acceptance below and return this letter to me in the enclosed envelope. Thank you for your time and assistance. Sincerely yours, XXXX XXXX XXXX to and accepted to on this _____ day of XXXX, XXXX. By : ________________________________ ( Creditor Representative Signature ) Name ( print ) : ___________________________ Company : _________________________ Title : _________________________________ | ||||||
| 11/01/2022 | Yes |
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Web | Servicemember |
| On XXXX XXXX i was called at around XXXX XXXX while i was still at work, a lady stated she was looking for XXXX, i told here thats who i was, she stated she was from navy federal and that i had an account that was negative $ XXXX dollars, i stated i was aware and wanted to take care of the account but currently could not because i had no way to make a payment due to not having my debit card with me, she refused to call me back in 1 hour, or allow me to go to the branch to handle this matter, i explained my situation, she was very rude in the matter and then stated several times she could only debit the funds from a diffrent account i have with there institution. I stated i would like to handle the payment either in the branch or to call me back in one hour, she refuesed and stated she would just take the funds out of my other account. At that point in time i stated i do not agree with that transaction and that i would only allow half of the amount be taken out and the other half taken out on XX/XX/XXXX. She never gave me her ID number or full name, or her location she was calling from, she never offered to transfer me to her supervisor or clarified where i agreed to XXXX XXXX policy to just take a payment from someone without there consent which she said she would do if i agreed or not. Once the payment is taken out on XXXX XXXX i will be closing my account with this institution due to there practices and i believe violations that occured during this single phone call, i have never had an issue with this bank until today when this employee called me! | ||||||
| 10/21/2016 | Yes |
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| I was stationed in XXXX XXXX with my family and Navy Federal froze our account for almost two month without telling us, when they finally released the hold on our account we were in serious debt. They were allowing all funds to be deposited but was n't allowing any funds to go out. When my Wife went into the Branch Office they told her that a third party requested a hold. She asked them why she was n't informed and she was told that they did n't have to. I called from the XXXX and was told the same thing. During the time our account was locked we accumulated a lot of late fees on all our bills. We were out of food at the house, the lights got cut off which lead to my Wife and kids depending on friends. It also lead to the borrowing of fund from our friends for gas money, food, health product etc. My XXXX was contacted constantly for non payment. We still have overdue bills that are outstanding because we were never able to catch them up due to all the late charges. We lost one Time Share Property due to this incident because we was never able to recover. My Wife developed XXXX and XXXX symptoms from all the stress this incident was causing which she is still suffering from and is currently on medication for. She was never able to go back to work which negatively impacted our finances, shifting our debt to income ratio in a way where we had more debt going out than income coming in. I was out to XXXX for two months with no money to buy the basic necessities need for XXXX life which affected my performance standards when it came to uniform and grooming. | ||||||
| 10/12/2023 | Yes |
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Web | Servicemember |
| I have been a victim of a scam by a music festival promoter XXXX XXXX of XXXX XXXX XXXX. I was excited to purchase my music festival 4-day package and wanted to be able to get the best package by being the first to do so. On XX/XX/XXXX, I purchased a VIP music festival package starting XX/XX/XXXX using my Navy Federal XXXX. On XX/XX/XXXX, while attending a different music festival at the XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, I got word from a friend who was enroute to meet me for the festival I purchased ; that our festival had been abruptly canceled due to XXXX XXXX mismanagement. This caused a tremendous amount of frustration and stress to say the least. My friend and I have both tried to email and call XXXX XXXX multiple times and still no response. We paid {$5700.00} for the festival that NEVER happened due to XXXX XXXX NOT paying the hotel for our rooms. I have filed a dispute with Navy Federal Credit Union on three occasions, and each time my dispute has been denied. I am a XXXX XXXX XXXX XXXX and have been with NFCU for 15 years or more. Each time I have been notified by messaging that my dispute has been denied due to it being outside of the timeframe, that NFCU do not have any charge back rights, as well as these regulations were set in place by XXXX. I find it very appalling that my dispute has been denied since my card has been issued by NFCU. Also, this event was a pre-purchased event, which my services were to be provided in XX/XX/XXXX and never received. If you can be of any further assistance, it would be greatly appreciated | ||||||
| 03/21/2023 | Yes |
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| I reached out to the CEO of Navy Federal Credit Union XXXX XXXX regarding an error by the company that caused my credit card to be closed and charged off. XXXX forwarded the information to the resolution team. They completed their research and accepted the error therefore they agreed to remove the payments that they reported as late as well as the charge off status of the account. Upon requesting a document I found out that they did not submit the request to remove the charge off status and they only requested the late payments. The fact that they are not removing the charge off as originally informed doesnt make sense and is unethical considering the fact that an account can not go to a charge off status unless it is late and the account shouldve never been late and after they made the corrections the account doesnt have any late payments reporting therefore it shouldnt have the charge off status. I have explained this to the resolution team member and 2 managers but they are not utilizing their resources or understanding the process as they continue to try and push me to another department that already said can not assist and advised the resolution team would be the one to complete the correction. I have sent an email to XXXX XXXX several times again and there has been no contact by anyone from NFCU since XX/XX/2023. They corrected half of the problem when the entire problem needs to be corrected as they are connected and NFCU accepted responsibility for the error when they requested the late payments to be removed after the research was completed. | ||||||
| 07/29/2017 | Yes |
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| I have made several phone calls to Navy Federal Credit Union in the last year and have gotten nowhere. I opened a secured credit card through them in early 2015. When I opened the secured card with my {$500.00} deposit Navy Federal was supposed to take that {$500.00} and put it in a secured savings account. I lost my job and fell on some financial hardship and was unable to make further payments on the card. Since I was spending my own money, once I could no longer afford the card that should have been it besides any possible owed interest. Upon contacting Navy Federal I was informed that there had been an error on THEIR PART in which they claim that the {$500.00} that they were supposed to put aside into a saving account had been released back to me. I NEVER had a extra {$500.00} in my account. At this point they have refused to help me even though it was their mistake and the only answer I get is that I need to pay another {$500.00} or {$490.00} to be exact. This to me appears to be fraud or a scam. It has been acknowledged to me in three conversations that the problem appears to be on their end yet they refuse to fix it. It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Banking regulations and Defamation of character. My credit has suffered greatly from this as the reason I opened a secured line of credit was to help improve my score, this has only done damage. | ||||||
| 08/05/2021 | Yes |
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| I work for an airline and on XX/XX/2021 I parked my car at XXXX XXXX in XXXX, CA. The airline crew rate is {$10.00} per night. I returned on XX/XX/2021 and was charged {$20.00} by the front desk representative, although I only had my car parked there for one night. When I went outside to pick up my car, I was informed by another crew member that since the parking gate was inoperative and open for the day, no hotel guests or parking guests were being charged. I tried to resolve the refund issue with the hotel and was unable to solve my problem. I then contacted my bank NFCU and filed a dispute on that charge. I was asked to submit additional documentation and I provided a copy of charge and screenshots of the open gate. Yesterday I received an email from NFCU advising me that they decided to close my dispute and pay the charge, so I contacted NFCU again and spoke with XXXX, who didnt know how to advise my on that and just told me to send a message to NFCU and write dispute. Today I spoke to a supervisor named XXXX and he looked at the screenshots and kept saying that the screenshot shows the rates, and did not understand that I was providing the screenshot of the open gate and not the rates. He then said that he was seeing a closed gate and I explained to him that the entrance gate on the screenshot was closed but the exit gate was open for that day. He insisted on the entrance gate and rate list, which is not the crew rate. He so disregarded the fact that on that date the hotel parking exit gate was not functional and guests were not being charged. | ||||||
| 09/03/2020 | Yes |
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| On XXXX XXXX I submitted a vehicle loan application and I was approved for {$23000.00} with a 5 % interest rate. I received a call from a representative on behalf of Navy Federal Credit Union requesting a resident card/document. I sent an email with requested documentation on XX/XX/XXXX XXXX XXXX and XXXX XXXX. I was denied, Navy Federal Credit Union could not verify credit accounts. On XX/XX/XXXX I was approved for a XXXX XXXX XXXX the credit account is under my name along with my credit information with Navy Federal Credit Union. The same required documentation was provided with no issues or request of additional information. On XX/XX/XXXX I called Navy Federal Credit Union for clarification as to why I was denied. The representative I spoke to said they asked for my Social Security card but couldn't use it. Therefore, they would need a permanent resident card, or employment authorization card, and/or a bill. When I ask if I provide a bill will it suffice, the representative said no they will still ask for a permanent resident card because my Social Security card said for work authorization only. Now, when I ask why I was given a vehicle loan in XXXX providing the same documentation I emailed on XX/XX/XXXX with no issue and not required any additional documentation the representative could not validate why. I felt hurt and confused, I'm being told they can't use my social security number, but the letter in the mail states they could not verify my credit accounts. Yet, I have a line of credit with Navy Federal Credit Union. I don't understand. | ||||||
| 12/22/2021 | Yes |
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| I am a natural person and a federally protected consumer. NAVY FEDERAL CREDIT UNION is a financial institution holding the account ending in XXXX that belongs to me, the consumer. On XX/XX/2021 I certified mailed with a green receipt a remittance coupon, a negotiable instrument as defined by UCC 3-104, to NAVY FEDERAL . Before sending the negotiable instrument, in an attempt to gain clarity I asked a representative in the secured portal how NAVY FEDERAL CREDIT UNION wanted me to indorse the remittance coupon. I was told to indorse it to NAVY FEDERAL and that is what I did. The negotiable instrument was received on XX/XX/2021 and signed for by an agent on behalf of NAVY FEDERAL. NAVY FEDERAL accepted my negotiable instrument for the value of {$22000.00} as the instrument was not returned. Pursuant to UCC 3-603, NAVY FEDERAL is a person entitled to enforce the instrument, therefore, even if they refused it the alleged debt is discharged upon receipt. On XX/XX/2021, NAVY FEDERAL without my consent processed an electronic fund transfer of {$450.00} from my personal savings account to the credit card account. This is a violation and breach of their own card agreement as my negotiable instrument paid NAVY FEDERAL in full therefore, NAVY FEDERAL had no right to go into my personal savings account and process an electronic transfer of my funds. This is an unauthorized electronic fund transfer and blatant wire fraud as I did not consent to having my funds electronically transferred from my personal savings account to the credit card account ending in:XXXX. | ||||||
| 06/16/2021 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 deragatory information provided. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt. This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested. This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you. It would be ideal if you provide me with teh following : * What the money you say I owe is for : XXXX Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state : | ||||||
| 11/17/2017 | Yes |
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| To whom this may concern, Im writing this complaint about navy federal credit union, I went to navy federal credit union in the month of XX/XX/XXXX to open a checking 'S and saving 's account with the financial institute at my local branch in XXXX sc, I was counseled by one of there customer service rep 's, he took my deposit only to come back to me saying an account was opened in my name in the year of XX/XX/XXXX, I then told the representative that I had no knowledge of an account being opened with them through me, he said that there was an outstanding {$500.00} balance on that account and then told me that he was unable to grant me membership at the time until it was cleared up, we both discussed that it was fraudulenty opened in my name at the time and was never done by me myself, he then stated that it was nothing he could do because of the time frame the account was opened, this is an unverified fraudulent acct and is making it hard for me to enjoy membership benefits with the financial institution, I called ( navy federal ) customer service number to see if anything could be done so I could begin to access my accounts and start utilizing memberships benefits, they also to me that they could n't verify due to time frame, this matter has become a burden for me and is very discouraging for something that I did n't do, I would like this to be deleted/removed from there systems so I can start utilizing memberships benefits with the financial institution, everyone with their company just keeps giving me the running around, Warm regards, XXXX XXXX | ||||||
| 10/21/2019 | Yes |
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Web | Servicemember |
| XX/XX/2019 To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Re : Reference to complaint ID XXXX and XXXX Dear Sir or Madame, This is the third complaint about Navy Federal Credit Union in connection to my previous complaint ID XXXX and XXXX. I called Navy Federal Credit Union today, XX/XX/2019 at XXXX Pacific Time and spoke to XXXX , she advised that my dispute case has been closed and will not re-open. How could they close my case if the letter they send me previously stated that they need 60 days to work on my case? The reason the case was closed is because is because of the lime limit has reach and nothing they can do about it. This is ridiculous, I got scam from the merchant XXXX, they purposely sent me the wrong items and now my bank turn their back on me, not helping me to get my money back? I went to the XXXX store and turn the 4 crown cases to them. Below are the tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the XXXX, the merchant should receive their merchandise by Wednesday, XX/XX/2019. Im reaching out for your help to get my money back. Meanwhile, I will seek out for legal advice from my attorney if I cant get my money back. I cant believe that Navy Federal Credit Union closed my dispute case and did not try to help me at all. Should you have any question about my complaint, please contact me at : XXXX. Thank you for your time. XXXX XXXX XXXX. | ||||||
| 05/18/2015 | Yes |
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| On XXXX/XXXX/2015, at XXXX XXXX., I attempted to use an ATM owned by Navy Federal Credit Union ( located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to make a deposit to my account at XXXX. ( This ATM accepts deposits for other institutions. ) I put in my ATM card, entered the PIN and selected cash deposit. I was then prompted to enter the cash ( {$130.00} ) and the ATM took the money. Suddenly, the machine " blinked out '' like a power surge occurred. The screen read " error - unable to complete transaction or return deposit - contact Navy Federal Credit Union. The atm then released my ATM card and I made another transaction to determine if my deposit had been credited to my account and was shocked to learn that it had not. I then contacted Navy Federal Credit Union, and was pushed off from one person to another for 45 minutes and could not be helped. Finally, I was told to contact XXXX. I contacted XXXX and was told that the ATM failure was Navy Federal Credit Union 's fault and that I was to contact them for a refund. I attempted to contact Navy Federal Credit Union 3 more times and was told that they could not do anything and that I was to contact XXXX. I contacted XXXX again and as informed that nothing was documented on their records and Navy Federal had my money. I then called Navy Federal again and spoke to a XXXX at Navy Federal Credit Union in XXXX. She was rude and belligerent. She had me do a conference call with XXXX and she was no help at all and there was no resolution. After 4 hours of this, I gave up and still do not have my money. | ||||||
| 06/22/2023 | Yes |
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Web | Servicemember |
| I submitted a complaint, # XXXX to the CFPB about this account on my consumer report. The certified mail number is # XXXX. My personal information has not been properly protected according to 15 U.S.Code 6801 and the United States Congress. This account was previously sold to XXXX XXXX XXXX XXXX which is in my previous complaint. The alleged debt was written off and I received no XXXX which is a requirement of the Internal Revenue Service XXXX IRS ). NAVY FEDERAL CREDIT UNION should have sent me a XXXX to prevent me, the consumer, from financial harm due to NAVY FEDERAL CREDIT UNION XXXX XXXX. Not only has the account not been removed nor did I receive my required IRS XXXX, the charge-off itself has a past due amount. How? This account should be reported as income. How can this charged-off/written-off account be income and debt? And with that being said how is it still reporting? I have not received any documentary evidence according to 15 U.S.Code 44. Not a pile of papers and statements. I requested the books of account and financial and corporate records. The amount this alleged debt on my consumer report was sold for. Explain to me how you safeguarded all my personal information and provide evidence. The letter I received stating I must pay an alleged debt contains violations of 15 U.S. Code 1692. This alleged debt and this mail I received are defaming my character. You are criminally liable for willfully and knowingly reporting false and inaccurate information. 15 U.S.Code 11 These are my rights granted by Congress as a consumer. | ||||||
| 12/16/2022 | Yes |
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Web | |
| The creditor NAVY FEDERAL CR UN is furnishing FALSE credit information to a third party ( XXXX ) to bring harm to MY consumer credit reputation aka defaming MY character. The consumer reporting agency XXXX is negligent in their duty to investigate this disputed information for NAVY FEDERAL CR UN opened XXXX XXXX for {$1100.00}, NAVY FEDERAL CR UN opened XX/XX/XXXX Is this a debt or an extension of credit? Is this an extortionate extension of credit? Can you provide me with a Bill of Assignment? Can you provide me with a Chain of Title? Has insurance been filed for this account? Has a 1099-c been filed for this account? Provide your Errors and Omissions insurance This is a notice to CEASE AND DESIST all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as disclosing or obtaining information of a customer by false or fraudulent pretenses constitutes a violation of the XXXX XXXX XXXX and aggravated identity theft 18 U.S. Code 1028A. Pursuant to 15 U.S. code 1666B it is impossible to be late on an extension of credit. XXXX is furnishing late payments on an extension of credit on behalf of NAVY FEDERAL CR UN. If a consumer is late on an extension of credit ( that ) is no longer an extension of credit. It is instead defined as an extortionate extension of credit 18 U.S. Code 891. Extortionate extensions of credit fall under RACKETEERING activity 18 U.S. Code 1961. If this account is not removed from my consumer report immediately I will be including XXXX in a XXXX along with NAVY FEDERAL CR UN! | ||||||
| 07/14/2020 | Yes |
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Web | Servicemember |
| I have been trying to refinance my home with the same bank where we currently have our mortgage for over 10 months. We have a loan to value of 29 % -- i.e. we have paid off 71 % or our mortgage on our home we are trying to refi, with this same bank. This delay has put a hardship on my family because we are refinancing to have a materially lower house payment. During this time, the mortgage company was very unclear as to who the borrower of record was, either just me, or me and my husband. They have even changed the borrower of record throughout the course of this ten month process - I have email correspondence detailing this lack of clarity on such a basic, important fact. I have had to unfreeze my credit at least 4 different times, they have added additional requirements that ended up taking months, forced us to resubmit pay stubs at least 3-4 times now, full tax returns for SEVERAL years, etc. We still are not through this simple refinance, that actually LOWERS our payment. They have also not honored the rate lock I made last XXXX upon INITIALLY calling the bank to refi. It was ZERO origination and ZERO interest, 2.875 %. I corrected them on this, and they have forgotten in all of their disorganization and are telling me I owe origination. I should have gotten all my voice conversations documented on email vs trusting them. They have also forgotten several times that we handle our own escrow. I have communicated this, and our current mortgage is handled this way. I have had it -- no consumer should have to put up with this. | ||||||
| 07/28/2018 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX XXXX declined credit based on bankruptcy information being reported by Navy Federal. The bankruptcy was discharged in XX/XX/XXXX. I requested Navy Federal remove this information and they refused. ( The information from Navy Federal shows as 'Reaffirmation ' of a vehicle loan that was never delinquent and was paid in full/on time in XXXX under the original loan terms. ) Personnel at XXXX and XXXX advise that the 'Reaffirmation ' notation should have been removed by Navy Federal because it was signed in XX/XX/XXXX and clearly indicates information that was purged in XXXX. XXXX and personnel at XXXX, XXXX and XXXX advise that Navy Federal is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation ' is always indicative of a bankruptcy ; in this case, a bankruptcy that should have been removed from all direct and tangential references since XX/XX/XXXX. Here is the information from Navy Federal : Navy Federal Response XX/XX/XXXX : Thank you for your eMessage. Navy Federal records indicate that the loan account ending XXXX for the XXXX XXXX was reaffirmed during the bankruptcy process, and was paid/closed on XX/XX/XXXX. Please be advised that we are unable to remove legitimate account information from your credit report, as these details constitute your credit history and we are required to comply with federal regulations. Valid credit records may not be altered. Therefore, we are unable to grant your request. We regret that we could not provide you with a more favorable response. | ||||||
| 11/29/2017 | Yes |
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Web | Servicemember |
| This complaint is in reference to my previous CFPB complaint # XXXX in regards to the CFPB Consent Order against Navy Federal Credit Union. At the time of the complaint, NFCU responded : " Our review of this matter is in process, and we will respond as soon as possible. The following references the complaint we received on XXXX XXXX 2016 from the Consumer Financial Protection Bureau ( CFPB ) on behalf of Navy Federal member XXXX XXXX. The complaint was assigned a case number of XXXX. Our member has asked us for information related to our recent agreement with the CFPB. Pursuant to the terms of the agreement, the CFPB will approve how we will identify and make payments to members who are eligible for compensation. If XXXX XXXX is eligible, he will receive prompt notification at a later date. We will consider all facts and circumstances regarding XXXX XXXX 's account in the assessment of compensation, if any. Navy Federal has thoroughly reviewed our member 's concerns. No further correspondence will be sent regarding his Home Equity Loan nor will calls be made concerning the status of the account. '' XXXX Responded : " You should receive an update from the company within the next 15 days, and a final response within 60 days. '' It has now been one year from the date of my complaint. Not only did NFCU never responded to me in 60 days, they never responded to me ever. I would like an update to my claim pursuant to the Consent Order, as I submitted ample documentary evidence of NFCU 's predatory and illegal debt collection actions against me. | ||||||
| 03/15/2023 | Yes |
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Web | |
| On XX/XX/2023, I called navy federal credit union and asked for my tax refund to be released early because it was pending. I was told to call back on XX/XX/XXXX, to release funds and I was told today that majority of ny tax refund was offset due to a unpaid credit card. From my knowledge, tax returns can only be offset due to state and federal debts. A credit card is neither. I have 2 checking accounts with this bank and 5 savings accounts, 4 which are custodial savings accounts for my minor children. I receive mail on a regular basis from navy federal but I never received a letter stating the bank would be collecting my entire tax refund to repay an unpaid debt. I am a single mother to XXXX children, XXXX with suspected XXXX XXXX XXXX This money would have helped offset some of their medical bills. Had I not called, I would not known why i received a partial refund. I get direct deposits every 2 weeks into this account. The money has never been transferred to this closed accounts. Covid effected my household as well as XXXX of other houses holds. The housing crisis and food inflation cost has taking a toll on me. I attempted to discuss this with 2 different individuals at navy federal. My tax refund was illegally seized by Navy federal without warning. Although i understand that I do owe for this debt, there was no conversation or correspondence between myself and navy federal before my refund was offset. Banks do not have the authorization to offset refunds for debts. I would like to resolve this matter and have my monies returned to me. | ||||||
| 07/27/2022 | Yes |
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Web | Older American |
| This complaint is against the Mortgage group of Navy Federal Credit Union. I was charged twice for a credit check even though they have a " credit dashboard '' which displays my credit score daily. Most aggravating was the way they held me hostage till the very last minute with regards to the information and documents required from me to close on the transaction. The application process was started over 90 days before the estimated closing date. I asked them numerous times ( I have the emails to prove it ), to let me know all the documentation and supporting information that their Underwriters would need. I was continuously assured that everything was on schedule by the Loan Officer. But the Loan processor who was the mouth piece for the Underwriters kept surprising us with new requirements. Three days before closing I was told that I needed to submit a " flood certificate '' for a property that was not being financed. After rushing through rush hour traffic and an hour drive across town to look for the document I got a message after 4 hours that it was not needed. A day before the closing while we were driving across the country I got a message that an insurance document was needed from the XXXX XXXX. A few hours later I was told it was not needed,. Mortgage companies should be held to a firm time table.and accountable and not subject consumers to last minute demands. i.e. no demands should be made, if the customer has complied, say within two weeks of closing. NFCU 's mortgage process is dysfunctional and very customer unfriendly... | ||||||
| 09/16/2015 | Yes |
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Web | Servicemember |
| On XXXX XXXX, 2015 I XXXX XXXX XXXX XXXX, XXXX XXXX Veteran filed an Mortgage Application with the Navy Federal Credit Union, to-date I 've not received a call or letter as to the status of my VA Mortgage loan application. My mortgage loan representative 's name is XXXX XXXX, my loan application number is XXXX. I 've called and called and left message for XXXX XXXX at XXXX ext. XXXX to no avail. I 'm a XXXX veteran and an American with XXXX, I 'm filing complaint with HUD at XXXX ext. XXXX and XXXX ext. XXXX for discriminatory Practices and I 'm asking that they investigate this matter. Also I 've contacted the Feds Adult Protective services at XXXX. Lastly I 've demanded that the Navy Federal Credit Union complete an supplement and or re-scoring of my credit score do to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at XXXX compromising, changing and falsifying credit scores with XXXX, XXXX and XXXX. I 've spoken with XXXX XXXX with Navy Federal Credit Union my loan officer, and I 've spoken with their Reporting Agency, XXXX, an XXXX XXXX regarding the Fraudulent false reporting imposed by XXXX, XXXX and XXXX attempts implemented by these REPORTING AGENCIES by sabotaging my credit rating by refusing to make the necessary correction to my credit report after submitting evidence to their reporting agency, XXXX. I 'm taking this fight public due to my XXXX and race with gainful efforts of exposing Discriminatory Practices by Navy Federal CREDIT UNION, and I want give up, thanks! CFPB I look forward to working with your Federal Agency. | ||||||
| 03/01/2017 | Yes |
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Web | |
| My husband XXXX and I are victims of debit card fraud on XX/XX/XXXX where the individual used an ATM to pull out over {$1100.00} from our checking and savings account. We filed a police report and submitted a fraud claim with our bank. It was denied and we were told we can turn in an appeal with supporting documents like police reports, our time cards from work and distance the ATM used in Oregon is from us. We submitted the police reports from XXXX and XXXX, where the crime took place, along with the police report from XXXX, where we live. The XXXX police were able to get a photograph of the thief but have been unable to find him. In the police report it says that he used several debit cards and got away with over {$3000.00}. I was working both times the fraudulent charges took place and sent that with our appeal. The first day my husband got off work at XXXX in XXXX and the transactions took place XXXX hours away in XXXX, XXXX at XXXX making it impossible to be him along with the video surveillance proving that it was n't my husband using the debit card. The second day the criminal used an ATM in XXXX, XXXX at around XXXX while my husband used his debit card in XXXX XXXX at XXXX at around XXXX. Our appeal very clearly proved that these were fraudulent charges but was denied because it was " suspicious '' and because they said it was a now a public crime because the police were involved when we were told to contact the police by our bank. Navy Federal Credit Union is refusing to credit our account with the amount that was stolen from us. | ||||||
| 01/04/2022 | Yes |
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Web | |
| I was contacted by Navy Federal Credit Union attempting to collect a debt from me that I never contracted or agreed to pay. They've been reporting negatively on my credit reporting and defaming my character since XXXX XXXX. I sent a debt validation letter to them and have yet to receive a response. Navy federal credit union has never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that date furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CRF 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Below I have attached a screenshot of all the inaccuracies attached to these accounts, along with these screenshots you will see the lack of integrity. | ||||||
| 09/05/2022 | Yes |
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Web | Servicemember |
| Before XXXX/XXXX/202 we asked Navy federal to process a special program we qualified for, for a lower interest rate. They told us DO NOT pay the bill and let the XX/XX/19 bill be late. They said they would remove the late fee later because of processing time. We called again in XXXX, wherein we learned the paperwork got lost, and we had to do it again. We filed to have the new interest rate processed which would take up to 45 days. Again we were told do not to worry about payments because it will go to interest and it was their fault so they would remove the late remarks. Finally, in XXXX we had a new lower interest rate, a much smaller payment, and were " caught up on payments '' as you can see from the documents. We have repeatedly given the XXXX the names of employees we spoke to about his matter and they do not remove the late remarks from this account. This account had NO LATE payments in the entirety of the account 's life. We called in repeatedly to make sure of this. Yet the XXXX is not honoring the agreement. All I can offer is proof of the interest and monthly payments in the statements. Many employees who worked in the specialty department that allowed for hardship payment qualifications can see ALL the notes that explain, that the 1st application didn't process correctly and that the employees said they would remove those late payments during processing times. We have repeatedly asked the XXXX reporting team to look into this. The XXXX does not answer us via email like they said they would, nor do they mail us anything. | ||||||
| 10/28/2021 | Yes |
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Web | |
| i was was abused and taken advantage of according to 15 usc 1692 sub section 802 : i have disputed transactions on my account which were fraud. i did not contract with XXXX or the other accounts listed in the attachment, and the transactions were fraudulent. they were not valid and the company has agreed to the reversal and did not which i have now done with the bank, the bank claimed to complete a valid attempt to verify the fraud. the funds were retracted and i was violated by them closing other accounts other than the account the funds were removed from. this has caused my home to be placed in collections and many other constraints. an FTC has now been created and a full pursuit of Restitution and remedy are in pursuit. Navy federal has continued to make harassing calls after being request to Cease and Desist. Violation : 15 USC 1692 c Several efforts were made to state the fraud. and show proof. i did not authorize the transactions period. XXXX : XXXX 15 U.S. Code 1602 According to congressional finding in the Fair Credit, as a consumer this has caused my family strain, there are violation 's that were committed against me which will be pursued as My accounts are continuing to incur charges due to their maleficence. among many : _ closing the account and adverse action 15 U.S. Code 1681m - Requirements on users of consumer reports ( II ) bears on the credit worthiness, credit standing, credit capacity, character, general ( C ) Information described reputation, personal characteristics, or mode of living of the consumer ; and | ||||||
| 02/21/2021 | Yes |
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Web | Servicemember |
| This is following up on my previous claim which was closed. I now have proof that my ex husband has tried to remove me via an assumption ( per Navy Federal this is the only way to remove me ) and they WILL NOT LET HIM do this! In XX/XX/XXXX my husband and I got a divorce. Per speaking to a Navy Federal representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. I have contacted Navy Federal and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting | ||||||
| 01/14/2018 | Yes |
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Web | |
| Original CFPB complaint number is XXXX requesting NAVY FEDERAL to validate/verify the claim that I owe them the debt of two credit cards according to the FDPA ( Fair Debt Collection Practices Act ). I mailed the first Notice of Dispute on XX/XX/XXXX for one credit card and the other Notice of Dispute on XX/XX/XXXX for another credit card via USPS Registered Mail. NAVY FEDERAL received my first Notice of Dispute on XX/XX/XXXX and the second Notice of Dispute on XX/XX/XXXX. This Notice of Dispute was to have NAVY FEDERAL to verify under oath that the credit card debt they claim I owe is a valid claim by signing the enclosed affidavit and/or addressing specific points in the notice and/or furnishing information that validates the debt. Although NAVY FEDERAL did respond to the Notices of Dispute ( s ) within ( 30 ) days ( XX/XX/XXXX and XX/XX/XXXX respectively ) they failed to verify and validate the debt. Response letters simply stated, This is a valid debt, and you remain responsible for its repayment with no signed affidavit, no explanation on their conclusion and no actual validation or verification evidence sent to me. Hence, this debt was not verified/validated within ( 30 ) thirty days and should have been removed from all three credit reports but has not. This is a violation of the FCRA ( Fair Credit Reporting Act ). Additionally, NAVY FEDERAL was not consistent in placing a notice of dispute on both accounts under dispute with all three credit bureaus within the required ( 30 ) day period. This is a violation of the FCRA as well. | ||||||
| 08/11/2023 | Yes |
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Web | |
| My name is XXXX XXXX I'm currently serving a XXXX XXXX in the XXXX XXXX XXXX XXXXXXXX, My wife has been my POA for years. For whatever reason Navy Federal denies ALL of my POA requests. They denied my wife, my relative and my attorney XXXX XXXX XXXX XXXX. After long battle that I thought ended in XX/XX/XXXX XXXX its heavily notated that all my requests must be by mail or email. No more illegal phone calls would be made. I had to spend hours on the phone to fix the wrongs for months. I've requested my address to be updated to the same address on my CFPB account and it hasn't been done. New address for all mail is XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX. None of my mail from the XXXX to XXXX is being processed. I sent emails and now sending a complaint about it. The security word for my account is XXXX. The last four digits of my social security is XXXX. No phone calls should be noted on my account but yet my wife keep receiving calls from Navy Federal. As my fudiciary Navy Federal has failed me. Just because I am in XXXX doesn't give them the authority to ignore ALL of my written or email requests, Please update my address and please follow ALL instructions I send rather via email or written. PLEASE READ ALL NOTES and listen to ALL recordings. Please stop failing me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXook at these previous sccounts please XXXX XXXX XXXX MY VOICE IS BEING SILENCED AND NAVY FEDERAL HAS FAILED ME! | ||||||
| 03/14/2022 | Yes |
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Web | |
| Hello, I made a purchased with a merchant XXXX The initial amount was for {$150.00} on XX/XX/XXXX up to a year and was withdrawn up to {$2100.00}. Due to Covid money had to be refunded for purchased trips ( cruise/week certificate ). I was told that I would loose my certificates if I requested a refund for the cruise first. I was alright with that, but they gave me a hard time to where I had to get the credit card company involved. Also, prior to that they canceled my insurance for that trip without telling me, charged me for another one that cost more, then closed the account I am reporting telling me that they are no longer part of XXXXXXXX XXXX. I explained to them that I paid for a service that I have not been able to use and it's good u til XXXX. The service consist of getting hotel rooms, rental cars etc. I had to argue them down to get my account back up and running around XXXX or XXXX of XXXX. After I received my payment back from trips and my insurance for the trips middle of XX/XX/XXXX, they had to disable my account because it doesn't allow me to reset my password. Now Navy Federal Credit Union telling me that it's been too long and they can't assist me. I didn't know they were going to take the service away from me. I had it this long haven't used it because of the pandemic and they closed my account for retaliation. I don't have money to give anyone and don't get the service. I paid for a service and have been denied usage. I feel like the both the bank and merchant are the same and make me not want to trust the XXXX XXXX | ||||||
| 04/26/2021 | Yes |
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| Thank you Financial Consumer Protection Bureau for operating this consumer Complaint Center. I had a hard time trying to find someone for help. Navy Federal Credit Union Member XXXX XXXX XXXX Checking account ending in XXXX XXXX XXXX XXXX XXXX Member XXXX XXXX Reference : Incident # XXXX XXXX Without an authorized ACH affidavit signed by MsXXXX XXXX XXXX XXXX a Navy Federal Credit Union member XXXX Navy Federal Credit Union withdrew and transferred {$860.00}. from her checking account to an outside XXXX XXXX XXXX XXXX account in the name of XXXX XXXX. This illegal transfer by Navy Federal Credit Union was done on XX/XX/2020. Due to Navy Federal Credit Unions internal failure ... MsXXXX XXXX was without her necessary funds ( in the amount of {$860.00} XXXX for 13 consecutive days. a. XX/XX/2020 illegal transaction - withdraw and transfer to XXXX b. XX/XX/2020 NFCU provided a provisional credit to XXXX ' checking account NFCU 's refused to response by post mail ( as was the form of communication initiated by the NFCU member ) - instead they sent an undisclosed email response of having no liability in their error. Instead, NFCU wrongly pointed their fingers at XXXX XXXX, " ... XXXX holds the responsibility to ensure that the debit was authorized ... '' Navy FCU has not reference their assertion to banking law and plays on the member 's XXXX XXXX XXXX ignorance. Ms. XXXX XXXX did not authorize Navy Federal Credit Union or sign an ACH affidavit allowing XXXX XXXX XXXX XXXX to make a withdraw from her checking account ending in XXXX. | ||||||
| 04/07/2020 | Yes |
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Web | Servicemember |
| I opened a saving, checking, and credit card account with Navy Federal Credit Union in XXXX XXXX. I had received birthday money as well as XXXX money from family members and two were returned NSF. I brought the account current and since then they have frozen me out of ALL of my accounts online, even to pay my credit card bill. when attempting to access my account i receive this message " We are unable to process your request. For assistance, please call us toll-free at XXXX. For calls from within the Washington DC area, or outside the US, please call XXXX '' SO I called the customer service number on Friday, XX/XX/XXXX and i was told that they have closed and restricted me from all of my accounts. I asked how I was supposed to pay my credit card bill and they told me that since my membership was terminated I would not have account access nor could the except a payment over the phone from a restricted account. My only option, i was told, that i would need to go into a branch, and the closes branch is XXXX miles away from my home. This is my first credit card and now i am unable to make my XXXX 's payment since my account was frozen and I do not live near a branch. I'm XXXX years old and recently lost my part-time job due to them closing because of COVID 19, so my mother has been helping me and was also recently furloughed until the coronavirus pandemic is over. I will still make my payments but my hands are tied. I am doing everything possible to pay my obligations, but this will ruin my credit before I can even start to build credit. | ||||||
| 08/29/2020 | Yes |
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Web | |
| The mortgage servicer failed to foreclose on an abandoned property in a timely manner. This caused negative impacts to the XXXX XXXX ( XXXX ) and its residents in several ways : - Delinquent assessments and collection fees. XXXX assessments have not been paid since XX/XX/2019. Delinquent assessments currently exceed {$2000.00} and continue to accumulate. The home has degenerated into a poor condition with associated loss of value so the XXXX does not expect to recover these assessments when foreclosure eventually occurs. These costs will ultimately be paid by the XXXX and its members. - Security issues. After the property was abandoned, it became a magnet for squatters who broke windows, stole parts of it, and aggravated surrounding neighbors. The XXXX expended resources to board up the doors and windows to discourage squatters. These costs will ultimately be paid by the XXXX and its members. - Property maintenance. To reduce blight, the XXXX continues to expend resources to mow weeds in the front yard. The XXXX is now considering considering turning the water back on so it can restore the front lawn. These costs will ultimately be paid by the XXXX and its members. - Reduced property values in the neighborhood. The abandoned home is an eyesore and a security risk and we believe it has reduced the value of nearby properties. This is difficult to quantify, but the home next door was recently on the market for sale several months longer than expected. The XXXX asked the mortgage servicer to help in this matter but without success. | ||||||
| 09/06/2022 | Yes |
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Web | Servicemember |
| Greetings, I have been trying to resolve these issues with navy federal now, for a long time, and they keep treating me like a criminal. I did a bankruptcy in XXXX, and navy federal was listed on default. Now, every time I log in to my account, there is a notice that they are flagging me. I spoke with someone regarding this matter, and they told me this should not appear on my account. We are now more than XXXX years. I tried opening a new account so that I could receive my direct deposit from the VA, and they kept saying that I had a balance that was owed to them when it was due to fraud, and I had to file a police report, complaint with CFPB and spoke with them in regards to that matter. Now, this company claims they only serve military individuals and their families. Still, I know that they have civilians with open accounts with bad credit and bankruptcy, I have proof, and I have some of these individuals ' names. And yet we, as the total and permanent XXXX veterans, are being denied services. I am upset about the injustice and the double standard this bank is showing to military individuals. I have been banking with penfed and vystar, and they have been perfect to me and the reason why i am filing another complaint is to remove those negative account in my profile and allowing me to open an account when i want and that i have the right and eligibility as a XXXX veteran to do so. They will write backj to the cfpb, that they did their due dilligence and that i should call so and so for more questions. WOW really navy federal? | ||||||
| 08/14/2022 | Yes |
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Web | Older American |
| My identity was stolen and used to open a checking, saving, and credit card accounts at Navy Federal Credit Union ( NFCU ) at the end of XX/XX/2022. Since getting notice of this, as a result of an alert from one of the credit agencies ( early XX/XX/2022 ), I have been unable to get Navy Federal Credit Union to close the account and absolve me of charges made to the credit card. They recently informed me that my dispute has been denied, and that I am responsible for charges made to the account. The account -- and outstanding charges -- have shown up on all my credit agency reports. It has been extremely difficult and frustrating to contact NFCU and have them acknowledge and correctly investigate these accounts. I have spent hours on the phone with them ( mostly on hold ), sometimes getting switched multiple times between the security and fraud departments. When I do get to speak with someone, they tell me the accounts are valid, and requests by me as to how to provide the necessary information/procedure to prove this is a case of identity theft have gone unanswered. They also do not provide an reason as to why my claim has been denied, or what was the basis of their investigation. This past Friday, they actually hung up on me after being on the phone for over 4.5 hours ( again, mostly on hold ). Their business practices are simply unethical. And customer service is awful. They should have never allowed these accounts to be opened, and thus far I have not been able to get them to close them despite hours of my time on the phone. | ||||||
| 10/24/2021 | Yes |
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| I am a consumer and member that have been taken advantage of by Navy Federal Credit Union with their illegal practices of banking policies and procedures. This all started when I noticed I had an overdraft/ insufficient funds on my account. Due to this overdraft/insufficient funds my account was restricted where I was not able to make online deposits as well as barred for 7 years from opening a business account. Most recently NFCU has been transferring from my checking account or savings account to credit cards and loans without my authorization. These unauthorized transfers caused vendors to not get paid and cause me an adverse action by services being cut off or charged fees for insufficient funds. The most recent transaction was a deposit of money order to checking account of {$200.00} and some cents and {$180.00} and some cents were transfered by NFCU without my consent and authorization. This action is going to cause a vendor I made arrangements to pay {$110.00} and some cents to not be paid. Furthermore I was not given proper notice and full disclosure in regards to these accounts. I called NFCU prior to this transfer and I was told that they are allowed to go in my checking and savings account to put towards accounts past due/ owed. This is not right and violations on so many levels. I would like all funds taken to be returned and because of non compliance to federal laws of Truth In Lending Act, Equal Credit Opportunity Act, Electronic Funds Transfer Act, Fair Debt Collection Practices Act, all contracts are null and void. | ||||||
| 04/17/2023 | Yes |
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| On XX/XX/2023, Navy Federal Credit Union deducted {$1400.00} from our checking account on the basis of a fraudulent claim made through XXXX by a former tenant. Neither Navy Federal nor XXXX made any attempt to verify the claim, contact us regarding this claim, nor did they allow us to provide evidence to counter the false claim. They did not even notify us of the deduction from our account. XXXX has insisted that we go through Navy Federal to resolve this. The former tenant 's bank XXXX XXXX also indicated that Navy Federal is responsible. We have ample evidence that we have since provided to Navy Federal at a branch office that the claim had no basis, and have requested they reinstate our funds. Navy Federal has refused to provide any evidence upon which the deduction was made from our account. Our evidence includes the lease with the former tenant, the entire history of rent payments made by the tenant through Navy Federal, the history of payments made by the tenant through XXXX, the entire balance history, and the back-rent still owed to us by the former tenant. We have talked with at least four representatives and supervisors from Navy Federal 's " Fraud and Digital Services '' department. To date, they have insisted that they will do nothing to consider our evidence, and that our only recourse is to file civil suit against our former tenant. Note that the file attached to this complaint includes only a small part of the evidence supporting our position. Much more has been provided, and is still available, to Navy Federal. | ||||||
| 11/28/2020 | Yes |
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Web | Servicemember |
| Set up Auto-Transfer for Auto Loan Payment of {$990.00} on XX/XX/XXXX for loan installment due from my same institution checking account. When I went to verify the auto loan payment was pending on XX/XX/XXXX, there did not appear to be any payments pending from my checking account to my auto loan. Initiated another payment of {$990.00} from checking account to auto loan to ensure payment was made for XXXX billing cycle. Auto transfer appeared to show it was queued up to transfer funds to my auto loan. On XX/XX/XXXX, after checking balances and transactions within my checking account, noticed 2 payments made to my auto loan. One in a pending status, the other posted on XX/XX/XXXX. Called Navy Federal to have pending payment cancelled. Customer service rep told me she could not stop the pending payment in process, but I could call back after payment posted on XX/XX/XXXX to have the duplicate payment reversed. I asked if anything could be done on the banking/checking account side to stop the payment and was advised it could not since all loans and accounts are on same system. Requested to file a complaint due to poor customer service and loan payment experience. I was put on hold 2 different times for 3-5 mins and was never connected to supervisor to initiate complaint. I was informed I could call back later to file the complaint or work to have the already posted loan payment reversed since the pending payment would still ensure my XXXX cycle was paid. Both options were poor ones and advised I would be filing a complaint with CFPB. | ||||||
| 08/02/2018 | Yes |
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| I took out a new automobile loan with Navy Federal Credit Union on XX/XX/XXXX for the sum of {$35000.00} with included gap insurance. Mr. XXXX advised me that I can refinance my loan to lower my monthly payments since I was diagnosed with XXXX XXXX ; I did agreed to refinance the loan and I asked Mr. XXXX if I would still have GAP coverage on my car loan, he informed me that loan coverage and everything will remain the same except the monthly payment and loan expiration date! On XX/XX/XXXX I had a no fault Car accident and my car was total based on inspection by XXXX XXXX XXXX Claim Adjuster. The loan balance to Navy Federal Credit Union was {$14000.00}, on XX/XX/XXXX ; On XX/XX/XXXX, XXXX XXXX XXXX remitted a check in the amount of {$8800.00} to Navy Federal Credit Union leaving an outstanding balance on the loan of {$5200.00} which GAP insurance should pay the balance to close out the loan. I spoke to Mrs. XXXX on XX/XX/XXXX, and she informed me that I no longer had GAP insurance on loan # XXXX, and I will be responsible for the balance amount of {$5200.00}, because when Navy Credit Union refinance my loan Gap insurance was not included and Navy doesnt offer Gap insurance for a loan that is finance, I informed her how many times do Navy Federal Credit Union once to charge for GAP insurance when this was already paid on the originate loan. I am pleading to your organization to assist me in resolving this debt matter to come to a complete resolution! Thank you for your time and corporation in this matter! Sincerely, | ||||||
| 05/06/2023 | Yes |
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Web | Servicemember |
| I made two payments on XX/XX/XXXX which resulted in an overpayment. The first was in the amount of {$550.00} which was a normal monthly payment. Later that same day, while the first payment was pending, I made a payoff payment for the full loan balance of {$22000.00}. This resulted in the loan being closed out as paid in full before the first payment cleared. The {$550.00} payment cleared out of the payment account with XXXXXXXX XXXX on XX/XX/XXXX but was never credited to the loan account at Navy Federal Credit Union. I contacted NFCU on XX/XX/XXXX and was told that the payment would be automatically refunded back to the issuing bank. On XX/XX/XXXX this had still not happened so I contacted NFCU again and was told that the first rep was incorrect and they would need a copy of my XXXX account statement showing the transaction had posted before they could refund the overpayment, and that it could only be applied to a NFCU bank account, not refunded back to XXXX. I supplied the requested bank statement for the full month of XXXX on XX/XX/XXXX. On XX/XX/XXXX I received correspondence from NFCU that they would not accept my XXXXXXXX XXXX statement because while it shows the posted transaction and cleared date, it does not contain a running balance. I have no control over how XXXXXXXX XXXX formats their account statements. It has been 11 days, so at this point the ACH transaction has long cleared on NFCUs side to show that the transaction was not rejected by XXXX. At this point NFCU is unwilling to refund my overpayment. | ||||||
| 06/27/2022 | Yes |
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Web | Servicemember |
| I believe Navy Federal Credit Union ( NFCU ) is discriminating against me based upon my age ( XXXX ) and / or is guilty of false advertising- specifically advertising a lower rate when they have no intention of honoring that rate ( bait and switch ). I have called XXXX times about this and XXXX was told that they would call me back, which they did not and the third time was told there was no assistance they could provide. NFCU has a published lowest new car loan rate for XXXX month loans of 2.79 %. My wife and I applied for a loan for approximately {$37000.00} in midXXXX and were given 3.19 %. I enquired as to what was driving this rate and, citing proprietary risk models, NFCU would not tell me despite repeated requests. While I understand completely the need to protect proprietary risk models, I am at a loss as to why we would be denied the lowest rate. For reference, here is our approximate loan information : XXXX ) Credit scores : we both have excellent credit scores. - my NFCU published credit score was XXXX at the time of the application- my wife 's credit score was anywhere from XXXX - over XXXX at the time of the application, depending upon the source XXXX ) Yearly income : we have a combined yearly income of approximately {$280000.00}. That comes out to approximately $ XXXX XXXX ) Liabilities : the only major liabilities we have are : - mortgage/insurance/taxes - approximately $ XXXX - home equity loan - approximately $ XXXX Given the above, I can not fathom why we do not qualify for the lowest published rate. | ||||||
| 10/19/2021 | Yes |
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Web | Older American, Servicemember |
| NAME OF MORTGAGE LENDER : NAVY FEDERAL CREDIT UNION CONTACT : XXXX XXXX, Resolution Processing Officer ( XXXX ) XXXX Ext.XXXX XXXX, Loan Officer/Loan Package Processor ( XXXX ) XXXX ear Sir/Madam : I am an XXXX XXXX Veteran. I have applied in XX/XX/2021 to refinance my VA XXXX XXXX loan with tNFCU. My loan was approved and scheduled for closing today, XXXX XX/XX/2021. The Escrow is being handled by XXXX XXXX XXXX XXXX in Texas. My property is located in XXXX XXXX XXXX, Utah. In spite of repeated requests for my lender, NFCU to send me copies of my Closing Documents, I was denied of my request.I was advised in writing that Loan Closing documents are not sent to Member-Borrower. On Monday however, ( XXXX XX/XX/2021 ), I received an email from First Am Escrow Asst. an email with 3 separate attachments consisting of Closing Documents. One attachment has approximately 142 pages of documents. On each page marked DO NOT SIGN FOR REVIEW ONLY. I am unable to read most of the documents because of the markings that covered words and numbers. By law, mortgage Consumers must receive the Closing Disclosure no later than three ( 3 ) business days before consummation of their loan. The forms use clear language and design to make it easier for consumers to locate key information, such as Terms of the Loan, Detailed Fees, Interest Rate, costs to close the loan, etc. The Deed of Trust is approximately a 15-page documents. It is so difficult for me to read the fine prints with markings on each page that read DO NOT SIGN FOR REVIEW ONLY! | ||||||
| 12/17/2020 | Yes |
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Web | Servicemember |
| I received message that Navy FederaXXXX had denied my application, XX/XX/XXXX, after receiving an pre-approval from XXXX XXXX. It was verbally advised because of XXXX XXXX more than 7 years ago, Navy Federal is refusing to accept any type of loan as me being on the account for a loan. I was told if I want to pay the debt, I could, but we were at an impasse. Not allowed credit is permanently affixed to me credit worthiness, no matter what. I was further advised today and yesterday to call charge/off bankruptcy department, XXXX. I spoke to two different people. The last person stated even if I paid on the accounts loan and credit card, I would not be granted any services. He told me that they were permanent affix and time would not change the status. I explained my military XXXX had caused an interruption. I lost a lot but I had no problem back then XXXX, I was blocked out of my account. When I attempted to pay I was rerouted to collections. I was forced to add Navy Federal to my bankruptcy. Now to present day customer service in mortgage and bankruptcy department verbally stated if I wanted a job there I would not be allowed because of my XXXX from over 7 years ago. I take issue with this as a federal employee who have been told these rules can interrupt my federal career goal, that is already tough to advance in for an XXXX XXXX like myself. All because I was then and XXXX due to my military service which has recently been rated as 100 % total and permanent XXXX. That to me is discrimination, due to me being a XXXX veteran. | ||||||
| 03/22/2022 | Yes |
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| I have two situations. The first situation, every time I have a credit, it is never reflected in the balance. It is almost like the credit is either backdated or the debit is applied twice. Today, XX/XX/22, I disputed a charge with a merchant. The issued a credit for {$58.00}, it was reflected in the ledger but not in my balance. This has happened several times, and I am just noticing that Navy Federal is back dating credits so that they do not actually get applied. THIS IS THEFT!!! Second, I called XX/XX/22 in regards to disputing a recurring charge. I was told that I would have to cancel the card, at which I could not do because I have pending things scheduled ( that affect my children 's lives literally ) & if the payment does not process, it will cancel out completely and it was too late to update with a new card ( they require 5 days notice, it is 3 days before the debit date ). I advised I could call back after the payment processed so it would not be in jeopardy. The institution took it upon themselves to cancel my card & did not even initiate a dispute to recoup my funds. The supervisor, XXXX who did this, responded to me saying this is going to impact my kids, & literally begging & crying to not do this until after that payment, by telling me " oh well its cancelled now. You don't have a say. '' So if my kids end up hospitalized, or even worse, I will sue this company and individual. This entire bank should be shut down based on the multiple complaints of them baiting & switching and stealing people 's money. | ||||||
| 02/17/2022 | Yes |
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| The bank is anxious to shift to electronic statement delivery. We have made it clear in our preferences that we expect paper delivery of all statements. Up until now that bank has respected this arrangement and honored the preferences we set. However this year the 1098 did not arrive. I called the bank this morning and was informed that despite our clearly established preference for no electronic delivery - the bank unilaterally delivered all 1098s electronically. After expressing my dissatisfaction with this, I asked where in the online account portal I can retrieve my 1098 for XXXX. The representative directed me to where the document should be and it was not there. She then told me that perhaps it was only available from my wife 's account, and suggested I log-into my wife 's account to look for it. I did not do this. I demanded a paper copy be put in the mail immediately. I then asked how to ensure that my preference for paper statements is respected for all statements going forward- the representative told me that there was NO WAY to do that. I implored her, we have so many accounts with tax implications- if it were up to us to chase down all of our 1098s and 1099s we would surely forget several. It is completely unacceptable to ignore our request for paper delivery, assert that it is available online only, and then FAIL to make it available! I am writing for relief - this bank does not think they are under any obligation to respect my wishes with regard to my 1098 and, apparently, any other significant correspondence. | ||||||
| 10/11/2021 | Yes |
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| Hello, So I spoke to my bank Navy Federal Credit Union, and XXXX about an issue with a credit account that was removed from my credit report without my consent. I spoke to XXXX on XX/XX/2021 via phone and online about a remark on my account that dropped my credit score by 88 points. I asked transunion over the phone and online about the drop, saying there might be an issue with my NFCU credit card. XXXX spoke to me and said over the phone they removed the remark. About a month later I noticed how my account for XXXX was back to my usual credit score, but my XXXX account had not returned to normal. I noticed that my credit card account was removed for some reason. I have been speaking to both XXXX and NFCU about this, and have messages from NFCU on their app. Navy has stated they reached out to XXXX and were told I needed to provide some type of reinsertion letter with my signature and other information on it, I am not doing that and making myself liable if there is some fault on one of these parties here. I spoke to XXXX about this, and they stated that navy never reached out to them and started whatever reinsertion process. I have never told any of these parties to remove any account in my name, I still have my credit card and the account is open. I want a 3rd party to mediate communication amongst these two and please get this handled, that is it. I am not doing another round XXXX involved with this, because someone probably just made an error somewhere because I was concerned about a sudden credit drop. XXXX XXXX | ||||||
| 04/05/2017 | Yes |
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Web | Servicemember |
| I need assistance with an issue with Navy Federal Credit Union. I called in for a used vehicle loan on XX/XX/XXXX. In speaking with the representative he informed me that if I get a Late model used vehicle ( XX/XX/XXXX or younger ) that my interest rate would be lower ( 4.490 as indicated in the letter mailed on XX/XX/XXXX ). I purchased a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX with XXXX miles. I checked my account on XX/XX/XXXX and noticed that my loam interested was listed double the quoted rate. I called in immediately to inquire. The representative that answered the phone told me that the miles had to be under XXXX. I responded that the miles are only XXXX, Then she said that it had to be a XX/XX/XXXX or younger. I explained to her that the representative told ne XX/XX/XXXX or younger. She put me on the phone with her supervisor XXXX. XXXX assured me that she would listen to the recording of the phone call and get back with me by later that day or Thursday ( XX/XX/XXXX ) by XXXX. I never heard back from her. I called again the following week. They explained that XXXX was out and they could not view it. I finally called back today XX/XX/XXXX and the representative told me that the tape was reviewed and a decision was made not to adjust the rate. I ask for a copy of the recording and she refused. The recording needs to be reviewed or by an independent non-bias party. This interest rate should be adjusted to what the representative told me. If that were the case, I could have accepted financing through the dealership of 4.5 % | ||||||
| 06/04/2020 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX I applied for a auto loan with NFCU for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by Navy Federal Credit Union. I recently applied for a loan ( not NFCU ) and noticed that there were some inaccurate information being reported by NFCU on XX/XX/XXXX to ( XXXX, XXXX, XXXX ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid, closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with NFCU bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me. | ||||||
| 09/28/2016 | Yes |
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Web | Older American, Servicemember |
| on XXXX XXXX I received a deposit from a person named XXXX XXXX into my Navy Federal Credit Union bank account. I was expecting this deposit. On XXXX XXXX, 2016 my checking account was frozen by Navy federal credit union with out any notice to me what so ever. causing all my checks to bounce and leaving me penniless during the entire month of XXXX. The amount deposited was {$15000.00}. ... .the current amount that was frozen is {$13000.00} and is still frozen. they say they want me to deposit another {$2000.00} to make the account back up to the {$15000.00} amount and return it to XXXX XXXX as his name is on the sender and the receiver status of the deposit even tho my account # and routeing # is on the deposit correctly. He got my account information directly from me. I am a XXXX veteran age XXXX and this is very stressful to me. Navey federal has refused to open up my account or to pay from my account my vehicle payments I owe now for 2 months, so they are all late now. also my credit card payments are now 2 months late. they have ruined my credit also thru all this and I have to move like some begger due to them. They say that XXXX bank did the deposit by ach and that XXXX bank is requesting this money be returned to them per request of XXXX XXXX. This is a lie.!!!!! I personally spoke to the Institution that XXXX works for yesterday and it was sent thru their account to my account and they said that their money has been refunded to them already. So why is Navy Federal still keeping my money from me???? HELP ME PLEASE! | ||||||
| 04/14/2023 | Yes |
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Web | Servicemember |
| While at basic training for the XXXX XXXX through XXXX, XXXX XXXX XXXX XXXX sent my title to navy federal credit union XXXX XXXX XXXX It was apparently lost in the mail and so XXXX refused to get another title for me. They would only send a application for duplicate title and lean release to navy federal which navy federal would then send to me and have me get another title and return to them. Since I was at basic training while this happened, Navy federal increased my interest rate from 5 % to 15 %. I have conducted hours of phone calls to get those documents sent over to navy federal where XXXX has lost two documents and continuously refused to help me further. Navy federal is refusing to assist me with the extra interest i have been paying, even though none of this is my fault. XXXX has stated they sent the document in XXXX, XXXX, XXXX, and XXXX. However, to my knowledge only XXXX documents have been received. I have been paying hundreds of dollars in interest over 4 months trying to get this sorted out. XXXX is refusing to get a new title themselves and is requiring me to pay the filing fee for the duplicate title application. The biggest issue being I live in washington now with my vehicle but the car is still registered in Hawaii. Therefore, I have to mail all documents to Hawaii DMV in hopes they process everything correctly with navy federal as the new lean holder and get the title back to me. I have been attempting to get this sorted out for 4 months and no one has helped me on either end to get this sorted out. | ||||||
| 04/04/2022 | Yes |
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| I am the daughter and the court appointed Personal Representative Estate of my mother. My mother died on XX/XX/2020. On her date of death, XX/XX/2020, she had in her Credit Union checking account {$510.00}. On XX/XX/2020, my mothers husband/spouse notified the credit union of her death. On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account, for XX/XX/2020 pension. On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account for XX/XX/2020 pension. On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account for XX/XX/2020 pension. On XX/XX/2020, the XX/XX/2020 {$340.00} deposit was ( returned/Reclaims ) Paid To the XXXX XXXX XXXX After my mother 's death three separate amounts of {$340.00} were deposited into my mothers Credit Union non-joint checking account. My mothers husband notified the credit union on XX/XX/2020 of my mother 's death. The credit union did not put a hold on the first two deposits. Another deposit of {$340.00} was deposited on XX/XX/2020 and was returned on XX/XX/2020. The pension company tried to retrieve the first two deposits but the credit union did not return or release the funds to the pension company. I was under the assumption that the credit union froze those funds to pay an outstanding loan, but the funds were not froze and my mothers husband used the funds. The credit union said I have to get my mothers husband to return the funds to the pension company. | ||||||
| 10/23/2023 | Yes |
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| I recently reviewed my XXXX credit report and found unauthorized inquiries. I am submitting this report and will be sending the dispute below to the XXXX XXXX XXXX Assistance Department. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : NAVY FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/04/2016 | Yes |
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| My family and I went to my stepdad 's funeral XX/XX/XXXX. The house was full of people, our XXXX year old son was allowed to use his Samsung Galaxy device to play games while all the adults were busy taking care of our grieving mother and other arrangements. The house was full of people ( family and friends ) from XXXX XXXX until XXXX XXXX when we left to visit my sister. My son asked me to buy something from the google play store for which I entered my credit card and password. I believe the charge was about {$2.00}. I authorized only that one payment. Over the next few days, someone got a hold of my son 's device and somehow managed to make over XXXX purchases using my credit card. His device is set to always require a password, but somehow someone bypassed it. We called google to dispute the charges, and we called visa. Neither is refunding the charges which are about {$9600.00} XXXX nor XXXX bothered to verify with us whether these charges were being authorized by us at any point during the purchases. In the past, I 've been hassled whenever I tried to purchase XXXX small items back to back, but now when the charges ranged between {$0.00} and {$100.00} noone bothered to warn us. We were so busy with the funeral and family in town, we never bothered to check our accounts online. We have completely lost faith on our ability to keep our accounts safe when neither XXXX nor XXXX are willing to do anything about our situation. They expect us to pay for something we did n't buy. I do n't even know what was purchased! | ||||||
| 02/11/2020 | Yes |
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Web | Servicemember |
| I have opened a dispute with navy Federal due to over 8k worth of unauthorized charges on my navy federal platinum card. My account was temporarily credited during their investigation. I was later notified that my credits were being reversed. I contacted the rep and asked why and I was told due to some information from receipts matching mine. I asked what information and he said name, email, and phone number. I let him know that is public information that could easily be found online and asked if I could appeal. I appealed, with my appeal I sent them a letter from one of the creditors freeing me of any debt owed to them due to fraudulent activity because they agreed my information had been compromised, along with my public information that I found online, i.e. phone numbers, emails, and addresses. ( Any criminal can use the dark web to find out anything ). I do not know when or how my card and information had been compromised, however, I contacted some of the businesses and did my own investigations and most of my information if any did not even match my own, most importantly NONE of them had my home address for any deliveries. I also asked when doing my appeal to please forward me any documentation inclusive to their investigation that would cause another denial. They have again denied my appeal and have not provided me with any supporting documentation. This over charge to my account has caused a tremendous drop to my credit scores and has a negative effect to my lively hood. I am finding this to be very unethical. | ||||||
| 12/03/2022 | Yes |
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Web | |
| Current customer with XXXX XXXX Navy Federal Credit Union. The issue began to occur on Monday XXXX at the Navy Federal XXXX XXXX XXXX Va XXXX I initiated a question about the XXXX XXXX XXXX at the Branch. It was stated that I can not use the card at Navy Federal ( per a supervisor ), but only for store purchases. The provided information given by the Supervisor was false/misleading to my knowledge that states more available usage than store purchases. I reviewed all of the guidelines for the pre-paid card, but was given a different version. As of XXXX I have been having several issues with my account log-in with resetting my password ( for both ( personal/business ) encountering multiple failed attempts to gain access, and I feel as thou my online/mobile app sign-in attempts have been compromised by the Institution ( NFCU ). No previous issues with my userid/password information other than temporarily unavailable services. I have been banking with NFCU for years this occurrence is very unusual. Customer rights, I called NFCU customer service requesting the name of the last associate to access my account. XXXX XXXX accessed my account on XXXX ( dont recall ) speaking to this person. I feel this is a privacy violation to access my account without a probable cause, or do not recall speaking this associate. I did attempt to make an always ( never missed ) on-time payment on my credit card that was due on today XXXX. I feel as thou my account has been tampered with, and my personal privacy act rights have been violated. | ||||||
| 12/06/2021 | Yes |
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Web | Servicemember |
| I submitted a mortgage application in early XX/XX/2021 to several lenders to compare rates, each lender quickly provided me with a pre-approval letter for the full listing price of the home I was interested in. Please note : I have excellent credit ( XXXX ), sufficient and stable income, low credit utilization, and good income/debt ratios. After comparing loan estimates, I chose Navy Federal Credit Union ( NFCU ) who provided me with a very competitive interest rate, and closing costs. Shortly after obtaining the pre-approval letter from NFCU, the sellers accepted my offer, and I began the closing process. Roughly 3 weeks into the process, I received a call from NFCU informing me my loan application had been denied. Their underwriter cited " poor credit performance with us '' as the reason. When I inquired about the account, they explained it was a credit card I defaulted on over 20 years ago ( at the time I was out to sea for 6 months ). The credit line limit was $ 1.4k, and it ended up going into collections, from there I paid on the debt, until it was satisfied and the account resolved. I asked the loan officer why something over 20 years old, and not on any of my current credit reports, would be used to deny my loan, and why did it take so long for them to make a decision of denial, when I provided all requested documents online within 24 hours. Since I had a specific amount of time to secure the financing, and provide the seller with proof, this also put me at risk of having the contract cancelled by the seller. | ||||||
| 09/22/2020 | Yes |
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Web | Servicemember |
| Back in XXXX while XXXX to XXXX XXXX I requested Ohio SCRA benefits from Navy Federal Credit Union. It was not awarded to me because I was told that SCRA benefits only applied to debt which incurred prior to military service. I retired XX/XX/XXXX and while attempting to get my affairs in order I revisited this Ohio SCRA benefit only to realize that it in fact covered all debt. XX/XX/XXXX I requested this benefit for the second time and I never received a notice saying that I was ineligible. However I noticed that my ability to do any transactions online was taken away. XX/XX/XXXX I contacted Navy Federal to obtain the status of the request and I was told that I was no longer eligible for SCRA benefits because I retired in XX/XX/XXXX. My complaint was that when I originally requested these benefits I was not retired. Navy Federal states they value the military service members and are here to help. However when I requested that they honor my original request I was denied. Navy Federal does not care about us and I feel their name was a ploy to attract service members. I served my Country for 20 years and have been a member of Navy Federal since XXXX. It's already bad enough that I was denied Ohio SCRA benefit that I earned back in XXXX, but after 19 years of doing business with them when I asked for the money back that I was overcharged they shut the door in my face. I was told that after reviewing their archives they saw fraud alerts but did not see the original Ohio SCRA request. I am appalled as to how I was treated. | ||||||
| 08/27/2020 | Yes |
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| I submitted a mortgage refinance application to Navy Federal Credit Union ( NFCU ) in XX/XX/2020. As of XX/XX/2020, I still have no timeline for when closing might happen. The current mortgage is with NFCU and I have had five or more mortgages with NFCU over the years. I have never missed a mortgage payment ( 100 % on time payment history ). My credit rating is excellent and my assets are multiples of the refinance loan amount. My income is more than sufficient with a low debt-to-income ratio and a very low loan to value ( <30 % ) ratio. The process has been lengthy. The loan processor has been unresponsive at times and takes up to a week or longer to reply to requests for status on the application. The loan processor has also been unprofessional and acts as though he is the customer. There have been multiple requests for the same documentation because of disorganization on the part of the processor. The latest Loan Estimate incorrectly includes charges for items that were not required ( {$490.00} appraisal when the appraisal was waived ). The loan estimate also includes charges for items that I paid for already directly ( {$120.00} condominium questionnaire that I obtained and paid for directly ). It also includes an inflated loan payoff that does not reflect principal payments made during the application period. All of these items were brought to NFCU 's attention the last time I was asked to sign a loan estimate and have not been corrected. I understand that volume is very high, but this is ridiculous. | ||||||
| 01/10/2023 | Yes |
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| I applied for the Navy Federal Credit Union XXXX XXXX credit card responding to a promotion that I had received in the mail which featured a {$200.00} cash back bonus when you spend {$2000.00} in the first 90 days. On XX/XX/XXXX over the phone with XXXX of their agents, I made this application. After joining the union and answering all questions I was congratulated on being approved for the card with a $ 500 monthly credit limit. I questioned how I could achieve the bonus with that low of a limit and was told that I would have to request an increase. On XX/XX/XXXX I made that written email request as directed and was denied. I was told that increases are typically given after 3 months. On XX/XX/XXXX I then called Navy Federal and asked for a supervisor in that department. I did get a supervisor but was told that that particular department does not take direct calls. It was explained to me that it is " customary '' to give out initial {$500.00} limits. Again questioning the possibility of gaining the bonus, the agent agreed it would be very difficult but said it could be done by making many small purchases and paying them off as soon as they post. That is ridiculous as nobody works their credit card like that! I suggest that Navy Federal is running promotions with little or no chance to achieve the bonus in hopes of gaining additional customers to more lucrative parts of their business. I believe that this should be stopped. I did immediately terminate my membership with the credit union and cancel my credit card. | ||||||
| 11/27/2019 | Yes |
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Web | Servicemember |
| On XX/XX/19 at XXXX XXXX. - I was notified by my Employer that the original collections company has repeatedly contacted my place of Employment by calling the main phone number asking for me on multiple occasions, regularly 10+ times daily, for the past week or so. Repeatedly they were told that I will be in contact with them to discuss any matter but they keep calling. On XX/XX/19 at XXXX XXXX. - I called the original collections company and told the representative stop calling my place of employment. They told me that my phone number and all phone numbers associated with the account has been deleted. On XX/XX/19 at XXXX XXXX. - I called the original collections company again and spoke to a representative ( XXXX ) that has left me voice messages numerous times. I told her that they are not allowed to call my place of employment asking for me. They are putting my job in jeopardy. Representative told me that she has made a note to not call my Employer 's phone number and they will not call again. On XX/XX/19 at XXXX XXXX. - I was notified again that the original collections company called my Employers phone number again asking for me. The call was then transferred to me and I again repeated to them that they were not allowed to call my place of employment and that I will be filing a complaint about their harassing, unwanted phone calls. The representative ( XXXX ) said that no one ever noted in their system that the phone call is unwanted or on the do not call list but he is making a clear note regarding it. | ||||||
| 10/24/2018 | Yes |
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Web | Servicemember |
| I filed a fraud claim in XX/XX/XXXX with navy federal it had been credited then reversed due to a fraudulent check. I did not know that charges where put on my card when I found out I disputed them. I have sent them proof of the charges not being done by me or any family member. Ive also sent proof that the information they had given me had been false yet Ive been ignored for months. I filed four complaints through the cfpb two were the same description one was different and the other was a completely different subject referencing a recant to my first statement due to an error on my behalf. All four responses from navy federal where the exact same despite the claims being different but all dismissed me. I was told I could contact the lead in security XXXX XXXX. I contacted him he said he would have my case looked at in detail especially my recant and proof sent and I would be contacted. I still months later have not been informed of anything. I was sent one letter I requested in XX/XX/XXXX that had false information on it and nothing else. They have not replaced my lost debit card. They will not close the account. And the only information I can get from them is them saying oh well dont know what to tell you. So pretty much doing nothing for there customers. Its been four months and over forty phone calls some lasting hours but still no correspondence. My access number is not active. I even had a insurance claim filed and a police report and after the research they conducted it was found to be a fraudulent charge. | ||||||
| 12/17/2015 | Yes |
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| I have optional overdraft protection on my checking account with Navy Federal Credit Union, but I have been advised by XXXX different representatives over the years that they do not charge the fee if the negative balance is less than {$5.00}. I have part of my paycheck direct deposited every two weeks ( {$210.00} on XXXX XXXX ). In addition to that, I deposited {$80.00} on the XXXX and XXXX. I used the account on the XXXX and deposited cash into the ATM at XXXX XXXX to cover those charges. Cash is 100 % guaranteed funds. I wake up this morning to a {$40.00} overdraft fee and my account in the negative for {$42.00}. As of XXXX XXXX, my account was in the negative roughly {$.00} cents. XXXX charges on the XXXX, XXXX of the were completed by midnight and my deposit is still pending. I called a spoke to a " supervisor ' by the name of XXXX who treated me like I was incompetent, stupid and confused. I am XXXX years old and I have been in the banking/finance industry for almost 11 years. I asked for the {$40.00} fee to be removed, she stated they do n't waive those fees. I feel I have been wronged since I have been advised they do n't charge the fee for balances less than {$5.00}. I am at a negative {$42.00} ( {$40.00} of which is the fee ). Navy Federal is known for their horrible customer service and very unsymapthetic and uncaring management staff. I had decided to give this company another shot after having been with them for 12 years previously and now, I do feel like the stupid one. I should have known better. | ||||||
| 11/03/2020 | Yes |
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Web | Servicemember |
| I had an account with Navy Federal Credit Union, account ending in # XXXX. I used the card as credit option, therefore I should've had the protection as if visa/Mastercard promises coverage. On XX/XX/XXXX, I made a very large purchase for over {$4000.00}. I never received delivery. I contacted & filed paperwork with your union numerous times to no avail. This is also after I tried to reach resolution with the company directly. I have NEVER received any communication or follow up from Navy Federal. Ridiculous! This is why I no longer actively use this union. Follow through & return my money! It is XXXX XXXX for the exact amount of {$4400.00}. I have tried to be patient due to distance, COVID-19, etc ... but enough is enough. My next step is to also file a complaint against the union. See attachment of receipt showing payment in full. Invoice # XXXX, order # XXXX. The actual purchase was made on XX/XX/XXXX & delivery scheduled for XX/XX/XXXX. Delivery never happened. I contacted the company, the warranty company which charged {$190.00} for coverage, the XXXX XXXX XXXX & filed claims on multiple occasions totaling 23 times beginning the first week of XXXX. I have not received any resolve from anyone & only received " there is nothing I can do '' on all fronts. I want my money back since it is fraud to charge for what is never received in good faith. Horrible way to treat veterans. I still have not received any help or answers from NFCU even after contacting hem yet again yesterday morning. Shameful. XXXX XXXX | ||||||
| 03/25/2018 | Yes |
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| On XX/XX/XXXX via the credit unions website I applied and received and acknowledgment as to receipt of my application for checking & savings account. a few minutes later I received a notification that my account services had been opened. I would receive my welcome package in 7-10 days. I was also told that my debit visa card was unable to be processed for the initial deposit. I reached out to my other bank and there was sufficient funds and not issue with the card itself. I called navy f.c.u. to have the card processed again to be told that my account was now under review without any further explanation. On XX/XX/XXXX I called to follow up regarding the status of my account and after 20-30 minutes of being told let me check the status of your application, to let me speak to the review department, to let me speak with the back office, team membership specialist : XXXX XXXX I was now being told that I had to submit via fax a copy of my government issued identification along with a current bill showing the mailing address. A financial institution that isn't honest a forthcoming with the truth as to why they are selectively discriminating against the opening of my account. What algorithm of database are they using which probably contains false, erroneous information to justify discriminating against individuals. I asked the customer service rep. I spoke to that I wanted there request be sent to me in writing and they said they would not do that which makes me SUSPICIOUS of the tactics of NAVY FEDERAL CREDIT UNION! | ||||||
| 04/18/2023 | Yes |
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| Multiple transactions have been done on my account from XX/XX/XXXX to XX/XX/XXXX XXXX and I noticed it in XX/XX/XXXX when i was about to pay my car loan when i received a message of insufficient funds whereas i had just deposited a check in my account ( I usually deposit a check into my account every Friday or Saturday but stopped when I noticed this problem ) .The next day I informed my bank ( Navy Federal credit union ) by phone, I was given the a phone number of the fraud department. I called several times and i was asked if i know XXXX XXXX who had removed {$2000.00} ( XXXX XXXXXXXX XXXX ) and {$110.00} on XXXX from my account. On this same XX/XX/XXXX, Someone added {$600.00} of credit card cash advance to my account.. Early XX/XX/XXXX, I went to the bank for the third time and asked for my account statement then realized that there were two loans ( {$4500.00} on XX/XX/XXXX at XXXX and {$2000.00} on XX/XX/XXXX at XXXX ) that were issued to my account without my knowledge. Also, after several attempt to know where this money was transferred, the bank gave me a document showing the account number where {$2100.00} were transferred to and I don't know the owner of this account. Facing this situation, I have been report to the credit Bureau and each time I deposit a check or money into my account, it is automatically taken .I have tried several times to resolve this problem with the bank but they keep on telling me about privacy .Please I need help in resolving problem with is negatively impacting my life. | ||||||
| 11/10/2018 | Yes |
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| Navy Federal CU is fraudulently reporting on my credit reports in the amount of {$14000.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? * Did they even fund the account or did you? * Did you take tax credits? * Are you the creditor or really just the servicer? * Did you disclose that you were charging me for the insurance premium to protect against asset loss? * Did you get your approval in writing agreeing to the amount of the premium as require by law? * Did you get the insurance payoff prior to charging off the account? * Is the contract creating the account even valid since they lacked full disclosure and equal risk? * Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? * Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond. | ||||||
| 06/12/2021 | Yes |
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Web | Servicemember |
| I contacted Navy Federal on numerous occasions advising them of my situation where due to Covid what has occurred. I also advised them that they charged me excessive service fees, and international fees that I was not aware of as well and requested a waiver I noticed that small amounts would be charged a {$29.00} fee over the past few years I have paid Navy Federal over {$10000.00} in excessive banking fees and request for a waiver to get at least half of these excessive fees back. I have called numerous times to get a waiver for the excessive fees only to be told I am not eligible I would have to argue with the attendant to get a supervisor just to get a partial reimbursement and advised them that my father had a XXXX XXXX and I was unaware of the fees that would be charged the rep was very rude and refused to assist me in getting a waiver. During the entire COVID I was not given any assistance to get any help even after numerous attempts to resolve my checking account and credit card and Line of Credit so that it would not be in default. I am still waiting to hear back from the credit card department to get a suitable payment plan on my credit card and line of credit. I am trying to resolve this but unfortunately the people they have answering their phones do not want to help nor assist their is a very long waiting period to get to anyone on the phone and when you do get them you are disconnected and have to start all over again and this time with a rep who could careless and want to get to the next call. | ||||||
| 07/05/2018 | Yes |
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| The Navy FCU is collecting a auto loan debt. I lost my job XX/XX/XXXX and did not work again XX/XX/XXXX. I tried to mitigate missing payments immediately but Navy FCU would not work with me. I could not pay. Fast forward, the car was repossessed, XX/XX/XXXX and the FCU rep stated i need to pay {$10000.00} by XX/XX/XXXX. I explained that i could pay it off but needed more time. He stated he would give me until XX/XX/XXXX. The last conversation i had with him was XX/XX/XXXX where he stated i could pay car off then call car storage company to pay storing fee. I called them XX/XX/XXXX. They said they do not have car and car is already at auction house. If i want belongings i need to contact XXXX XXXX. I called XXXX XXXX they stated they do not have the car and do not know where the car is. I attempted to call XXXX XXXX back on XX/XX/XXXX but he was gone for the day and another FCU rep reviewed my account. She stated the Navy FCU gave me until XX/XX/XXXX to pay the balance and not XX/XX/XXXX as stated by first rep. Out of all this : 1. Navy FCU rep falsified the timeframe the bank was actually given me. XXXX vs XX/XX/XXXX. 2. The company supposedly storing my car is located in XXXX and has already sent car to auction house but will charge me a daily storage fee. 3. I changed my address and have not received term notification. 4. My car location is too far for me to get my property out of. 5. I have been out of the country from XX/XX/XXXX-XX/XX/XXXX. I am stuck trying to get car back and property in car! | ||||||
| 10/07/2016 | Yes |
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| I have banked with Navy Federal Credit Union for almost two decades now. I recently applied for a refinance on my house ( to get cash out to pay off my loans and be debt free ) since I saw the market value has increased. I have looked from several different sources, the most recent was from a company called XXXX XXXX and they valued it at roughly {$250000.00}, I brought it for {$150000.00}. I 'm not asking for the full value of it but enough to pay off bills and maybe do something for my family, being a single dad is not easy or cheap. I 'm an employee with the XXXX and have been for 10 yrs now, I 'm essential and protected by XXXX XXXX XXXX ( lay offs ). Two of the reasons I was denied for the loan do n't make sense to me, I was told that I have bad credit with my Credit Union when I only have XXXX other accounts besides my checking and savings with them. XXXX is a car loan that I stay current with and the other is a credit card that I'am beyond my limit and making payments but the loan would rectify both of those! My debt to income ratio would change drastically if approved for the loan. I wrote XXXX XXXX with NFCU to see if I could file a complaint with them and have not heard a single word from them since. I read a story not that long ago about how XXXX XXXX XXXX has been discriminating against potential customers for mortgage loans. I originally brought my house for two reasons : one is to be able to pass it on to my children and the other was for an investment, and I ca n't even take advantage of it. | ||||||
| 09/05/2023 | Yes |
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| I submitted a fraud claim for multiples of transactions that occurred on my checking account on XX/XX/XXXX. Each representative I spoke with gave me an extremely rough time in steps to take and what to do in this situation. I had to figure out how to order a new debit card on my own, as well as how to even file a fraud claim on my own. XXXX rep processed multiple disputes on my account that now has my account in a negative status of over {$360.00} due to her error. I was credited provisional credits from a dispute she filed when it should have either been filed all together or just filed the correct way as a fraud claim. I requested confirmation or either copies ( via email ) for confirmation of claim submitted to which they refuse to send. They have only given me reference numbers which serve me no purpose. I need actual copies of the claim submitted for the police reports. XXXX XXXX has a XXXX liability for fraud and promises to credit account with provisional credit while you wait for claim to be resolved, which they advertise heavily on their website but they have refused to uphold this standard of practice for me and do not care to resolve my concerns. I have called every day over XXXX times per day to fix this as soon as I caught it. I can not sleep properly or eat with this disaster disrupting my life. I even applied for a line of credit to help with costs of living while I wait for this to get taken care of, and I was denied. I need some type of assistance to be given as soon as possible. | ||||||
| 10/23/2023 | Yes |
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| I booked an XXXX XXXX XXXX while speaking with a rep from XXXX. I was getting a error message while trying to book thru XXXX for the XXXX. The rep told me to book it & screenshot the error. I didnt get a error this time. Told them rep. Tried canceling. The host wouldnt give me my money back. Transaction was about XXXX. Kept going back & forth with with reps. Got a sup. Told me to cancel where I got the cleaning fee back which was XXXX & then the sup added and additional {$100.00}. So I was still left to pay over {$700.00}. I DID NOT STAY here! I stayed at XXXX XXXX! Contacted XXXX. Sent them all my information. XXXX still wouldnt refund them. I called XXXX XXXX XX/XX/XXXX XXXX several days after that! I was told to make the first transaction & I can dispute & theyll credit me back & also stop the transaction!! Well they did a temp credit of {$210.00} weeks ago. I get a email today saying that the charges are valid & they will be taking the {$210.00} back on XXXX XXXX. Spoke with a sup today XX/XX/23. Hes saying they asking for more information terms and agreement when I literally sent them over everything!!! This was something that happened while working with a rep! How am I at fault? Atp if I wouldve known Navy wouldnt have my back & supposed to be the best credit union in the world I wouldve never paid it at all! Its not fair when I didnt stay somewhere! No one wants to help! But if it was one of their family members they would understand. Ive been with them for years and NEVER had to dispute anything! | ||||||
| 01/14/2022 | Yes |
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Web | Servicemember |
| I am a current member with Navy Federal Credit Union. Recently I attempted to open a second checking account and was denied due to issues with my account status. Upon contacting NFCU I was told my account was flagged because of sold prior debts. This is where things get really messed up. After being bounced around departments and dropped to phone lines that go straight to voice mail I finally got someone who was able to confirm the loan numbers of the two loans and that they were sold in XXXX of XXXX. This also confirmed they are the same two loans ( the only two I ever had with NFCU ) that were discharged in XXXX XXXX bankruptcy on XX/XX/XXXX. NFCU has told me that the only department that can assist with this issue is the Debt Sale department but when transferred to it, or when calling the direct line number I was provided it goes straight to voicemail. They say to leave a message and they will call back, but nobody ever calls back. Every time I contact them to try and resolve this issue I get lead around the same circle and ultimately referred to a department that they can't even get on the phone. I actually was wanting to repay my discharged debts to them and bring my account back into good standing on the lending side of the table but now I've been dismissed, talked down to, lead on a wild goose chase, generally treated like garbage, and flat told they shouldn't have even opened my current accounts ( had this same fight with them at that time back in XXXX, thought we had resolved it but guess not ). | ||||||
| 01/16/2020 | Yes |
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| I have disputed alleged account from NAVY FEDERAL CREDIT UNION multiple times with XXXX and XXXX. They ( XXXX and XXXX ) claim the information is " verified '' but can not provide indisputable, undeniable proof. I have asked for prima facie evidence on more than one occasion via jurat affidavit to XXXX XXXX d/b/a Navy Federal Credit Union, Chief Financial Officer dated XX/XX/2019 bearing USPS Certified Mail # XXXX and have not received the response from the previous notices dating back to XX/XX/XXXX that were sent to Navy Federal Member Service Department as well ( evidence can be furnished upon request ). Furthermore, the alleged creditor has been sent a CERTIFICATION OF NON-RESPONSE/NON-PERFORMANCE ( jurat ) dated XX/XX/2019 bearing USPS Certified Mail # XXXX evidencing the alleged Creditor AND Credit Reporting Agency 's inability to properly " verify '' the accuracy and completeness of the information they are furnishing/reporting which is infringing upon my consumer and inalienable rights and hurting my ability to obtain credit. Under FCRA 15. U.S.C. Sec. 1681, unverified accounts must be promptly deleted. They have been given over 30 days to provide verifiable proof and have failed to do so. I have demanded the erroneous information to be removed from my credit report and will seek damages in a competent court of jurisdiction in addition to filing a complaint with the Attorney General, Better Business Bureau, and IRS Financial Crimes Task Force in the event this issue is not resolved immediately. | ||||||
| 02/22/2021 | Yes |
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| letter was sent, no response. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the audit trail according to GAAP ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Pennsylvania State Statues for Lawful Purposes. 3. A copy of the contract signed by both parties and therefore binding both parties. 4 .Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. Furthermore I am the consumer in fact, natural person, original creditor, I the consumer that participated in a credit transaction ; ( Title 15 1602 The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ) | ||||||
| 01/08/2018 | Yes |
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| I opened my account In Person referred by my fiance. I was approved for the account, I asked to have my documents mailed to a second address ( mail at our apartment goes missing and fraudulently used all the time ), they told me it was no problem. A week later my account was frozen. They told me it was because they did n't have verification of the address on the account. Apparently when i asked the branch to send my things to a seperate mailing address, they instead changed the address thats connected to my account to the address I requested as my seperate mailing address. I was not advised they were doing this. So I sent them proof for the new address ( its a home we just purchased XXXX XXXX ) but i was told to wait another week for a response- I never authorized them to actually change the address and I would have given them proof of address in person if theyd asked. if they told me they were going to update my entire address I would have told them not to. As a result, I ca n't see my doctor for needed prescription refills, its been a week since I ran out. There is a chance that they may decide to send me a request for more information as apposed to reopening my account. I was advised to go to a branch but i cant get off work, and this address change was never authorized. Please help me. My only recourse at this point is to start banking with a XXXX card. It 's been 2 weeks since I have had access to my account and I am not sure when i will be able to access it again, and they refuse to expedite it. | ||||||
| 01/16/2019 | Yes |
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| Im referring to my navy federal credit union account ... .through overdraft protection service my account has had a balance of negative XXXX. I explained that I had to leave my job due to safety I sent in police reports and everything. It was confirmed through member services that I had until XX/XX/XXXX to clear the account before my account would be closed. I received a phone call from NFCU about 3 weeks ago saying my account would be closed in XXXX but when I referenced the letter I was sent saying XX/XX/XXXX th they confirmed once again that I had until then BEFORE my account would be closed. Well as of yesterday I was unable to see my checking information in the member portal and when I did call today to ask why I was told my account was closed yesterday and there was nothing they could do about it ... I begged and pleaded and assured that as I have promised before and through the whole time that I was not ignoring my debt but would take care of it by XX/XX/XXXX and they said they could not do anything about it ... I explained that I did not understand because two different people on two different dates had confirmed the XX/XX/XXXX date with me and they still failed to take action to help me .So this is why Im asking for your help because I didnt have to submit police records or give any information but I did in hopes that they would see my honesty and work with me which appeared they did but Im actuality they did not after two times confirmed in secured Member services and have closed my account. | ||||||
| 01/30/2023 | Yes |
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| This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of.. Theres no proof that I owe anything, at all. I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones. Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy. Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off XXXX XXXX written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor. | ||||||
| 12/15/2021 | Yes |
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Web | Servicemember |
| I tried contacting the creditor Navy Federal Credit Union to inquire about the account in question and was told they don't have any legitimacy or verifiable information that ties this account to me. When I spoke to a representative I asked if they have any kind of contract, full account number, and/or my full SSN associated with this account and I was told that it has been transferred to another company called The XXXX XXXX based in California. I then proceeded to call The XXXX XXXX about the erroneous account and was told they only have a partial name of said person with the charge-off account in question. I then asked could you produce any legitimacy or verifiable information in regards to my full legal name, Full SSN, full account number, or a contract with a wet signature of mine with this erroneous account? They told me they do not have that information and to call Navy Federal. I have been getting the runaround with Navy Federal and The XXXX XXXX about this account. I tried contacting the Credit Bureaus as well which stated according to Identity Theft pursuant to FCRA 605B ( 15 U.S.C 1681 C-2 ) stated that account needed to be deleted in 4 days if they can not produce verifiable documents associating me to this account. XXXX has deleted the account, but XXXX and XXXX have failed to do so. Ive also filed a Mistaken/Identity Theft report with the Federal Trade Commission ( FTC ) to expedite this, as I attached a copy of that report to this e-mail to get this deleted/removed from my credit report. | ||||||
| 04/04/2022 | Yes |
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Web | Servicemember |
| I, XXXX XXXX, a federally protected consumer and NATURAL PERSON, has been disproportionately VIOLATED by Navy Federal Credit Union. I opened my NFCU account in XXXX and in the beginning of XXXX NFCU made an unlawful decision to not send me an updated card and close my credit card account. At that point I had not fallen behind on my account so I was totally confused and completely stressed about their poor decision. It was at the peak of the pandemic and to make matters worse NFCU began taking money out of my checking account to put towards this closed credit card account causing overdraft fees. NFCU closed closed my account and negatively reported an unvalidated debt without my permission, which was of no benefit to me violating the Consumer Credit Protections Act. Pursuant to 15 USC 1601 ( a ) these laws were put in place to protect the consumer against inaccurate and unfair credit billing and credit card practices. Performing actions on a consumer account without their permission is undermining congress. NFCU repeatedly called/ texted me, took money from my checking account causing other bills to go unpaid. My consumer rating took a major hit because now this closed account is making my utilization high making it hard for me to get financing for a reliable vehicle to make it back and forth to work to maintain a living for myself and my family. I now know my rights and I am done being being violated and I demand remedy for the unnecessary stress and mental anguish this credit union has caused me. | ||||||
| 05/18/2022 | Yes |
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Web | Servicemember |
| On Monday, XX/XX/2022, I was shopping for student loan refinance rates. Many lenders will provide refinance quotes without doing a hard credit inquiry. I was trying to determine if Navy Federal did the same. After finding an article published by Navy Federal at this url, XXXX XXXX XXXX I felt secure in obtaining refinance quotes from Navy Federal without them conducting a hard credit inquiry. I thought, " Surely Navy Federal wouldn't publish an article that states that it is a myth that getting a refinance quote hurts your credit score and then conduct a hard inquiry when someone applies to them for refinancing quotes. '' I hit " Apply Now '' on their student loan refinancing webpage and entered estimates of my income and assets and then was presented with rates subject to change based on a complete credit application/pull. I did not move forward with any of the quoted rates or with this so-called " application. '' It turns out, Navy Federal did conduct a hard inquiry. The terms I agreed to when I submitted this " application '' authorized Navy Federal and/or their third-party vendor ( XXXX ) to obtain a personal credit profile from a credit bureau '' for `` credit pre-authorization. " The article published by Navy Federal is extremely deceptive. As are the terms I agreed to in obtaining refinance quotes because " pre-qualification '' does not translate to a hard credit inquiry in the general and logical sense. This language is ambiguous and should be construed against the drafter of these terms. | ||||||
| 09/18/2019 | Yes |
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| Navy Federal Credit Union has unjustifiably and wrongfully denied access to my person account, along with a joint account, with whom I share with my grandmother, XXXX XXXX. After an attempt to transfer money off a credit card, Navy Federal flagged our accounts as fraud. They requested that I go to the bank to show ID, which I did, along with my grandmother, which she was unable to do, because there is no branch in the State of Indiana. For three days we have spent hours on the phone with Navy Federal, along with have faxed over numerous documents proving identity, along with a Power of Attorney, which they rejected and failed to state a reason. It is worth noting that though I have POA for XXXX, I was already from day one listed as authorized and joint on all accounts. They are now forcing a XXXX XXXX XXXX woman to drive three hours to the nearest branch to show an ID card. If you were to visit this company 's website, there is nothing posted that states members must reside in a state where a Navy Federal is located. We feel discriminated against and targeted. Furthermore, we have suffered financial hardship due to this unreasonable actions that Navy Federal has taken. Please assist, we have no access to any accounts and it is causes us unnecessary debt. To better assist you, I have multiple fax, POAs, Sworn Affadavits, along with past mail to prove our identity and the wrongful action taken my this institution. Two individuals in particular that offered no recourse where XXXX and XXXX in Security. | ||||||
| 09/23/2021 | Yes |
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| Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that Navy is reporting credit card with 2 different account numbers ( XXXX & XXXX ) to all 3 Credit Reporting Agencies ( XXXX, XXXX, XXXX ) XXXX my name. This is not an acknowledgement of debt. According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies. 2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies. On the XXXX report its showing as derogatory while the others are showing as paid. 3. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies. As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all 3 credit reporting agencies ( XXXX, XXXX, and XXXX ). Thank you for your time, XXXX XXXX XXXX | ||||||
| 01/31/2021 | Yes |
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Web | Servicemember |
| 4 Months after start of Mortgage Refinance application, still in process and my perception is that the ongoing waiting and no firm closing is unfair lending practice because the requested Refi and the Mortgage Loans to be paying off are with same Mortgage Lender and while waiting for refi closing, the loans that remained un-refinanced is on me paying higher mortgage costs and the Mortgage Lender continue to collect higher interest income. Ongoing Refi processing and documents posting to a secure web portal is summarized below. Mortgage Refinance Application started on XX/XX/XXXX ; Application Package and disclosures documents posted XX/XX/XXXX ; Conditionally Approved XX/XX/XXXX ; Loan Estimates document accepted XX/XX/XXXX Valuation of Property accepted XX/XX/XXXX Phone conversation with Processor about mentioned escrow/title services will take up to 3 weeks ; Mortgage Interest float lock at 2.75 % on XX/XX/XXXX ; E-mail from Escrow Company received on XX/XX/XXXX ; Escrow Officer E-mail requested confirmation that Title to the property remains under Living Trust per the XX/XX/XXXX. Re-locked at 2.5 % interest rate via GSE document on XX/XX/XXXX. XXXX ; As of XX/XX/XXXX Escrow services / title services results not visible to borrower not in web portal ; My request for Refi closing without further delay sent via Secured messaging sent on XX/XX/XXXX ; Complaint sent to my XXXX XXXX on XX/XX/XXXX ; XXXX XXXX that my credit union appreciate patience while my credit union continue to work on loan. | ||||||
| 10/23/2018 | Yes |
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| Navy Federal credit union continues to attempt to reinsert fraudulent accounts onto my consumer reports and credit files. First of all I provided Navy Federal with my Law Enforcement Identity theft affidavit that clearly and explicitly explains that I am a victim of identity theft. Furthermore my wallet was stolen and Navy Federal allowed two credit cards to be opened in my name. I never received any credit cards, nor membership information, nor anything about these accounts in the mail since my mail had been forwarded and email addresses also hacked after my wallet was stolen. I tried reporting these accounts to their security department which told me that they believe I opened these. I advised I definitely did not. I also explained I never signed any membership packet, because I never received one. I never received any of these credit cards nor did I ever sign for these. The security representative then proceeded to threaten me, threatening violence and also action against me. He told me he would come to my house, and then told me that he would burn me down to the ground that he was a law enforcement officer. I hung up, and I feel physically threatened and scared to call back. Additionally their customer service rep told me that the one account is supposed to be {$15000.00} limit and navy federal additionally falsely reported this again as a {$25000.00} limit. Again Navy Federal hasnt provided any information. I did not receive these cards, and I did not open membership with their institution. | ||||||
| 07/03/2016 | Yes |
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| After I was terminated by my former employer. The moment my credit card/mortgage with Navy Federal Credit Union fell behind, they completely locked out my online access/phone access to all my accounts. I never received, or was able to access ANY statements for any account. I was enrolled in multiple automatic debits, and paperless statements from my account to numerous other payees. With no access I was unable to find out all the automatic debits to be paid by any account. This caused several automatic debit to bounce and overdraft fees added. This went on for several months, never once did I receive a statement, regardless of how many phone calls I made. I was more focusing on the fact my only source of income was my XXXX, which they decided to use any way they wanted without any regard for the law. The only time I was able to get a statement of my accounts and effectively shut off all the automatic debits. I had to drive over XXXX miles XXXX way, to the nearest branch in XXXX, TX. When I confronted the branch manager about the money they took illegally, she simply stated " I will see that letter, when I see it. '' That is another issue that I will be dealing with. I HAVE NOTICED THEY HAVE CHANGED THEIR ONLINE ACCESS POLICY. You still have access to statements even if you are behind on payments. XXXX more thing, every time I called to request a statement during that time period, the phone call went directly to the collections department who stated they were unable to request a statement for me. | ||||||
| 02/08/2018 | Yes |
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| After MULTIPLE errors with managing my escrow account on my mortgage I called Navy Federal to request removal of escrow. I can not trust them to understand the difference between an increase or decrease, addition or subtraction, so I surely can not trust them to pay my bills for me. During the first phone call I was told that I was not eligible for an escrow waiver because FHA loans do not allow for it and that it was in my loan disclaimers. I got off the phone and found this to be a LIE ( big surprise ). There is NO rule that FHA does not allow for escrow waivers and it is NOT indicated anywhere in my loan documents ( yes I read them all ) that my loan is not eligible for escrow waiver. I submitted in writing a formal request for escrow waiver. I was told I would receive a response within 5 business days. On day 6 I got a call that from a Navy Federal agent which was completely inaudible, so I called in to the contact center. I was told that I had received the Escrow Waiver and instructions on everything were in the mail. ( The first time in MONTHS Navy had done something right ). Then this morning I get a new message from Navy Federal with the letter that was put in the mail attached to it saying I was DENIED for the escrow waiver. This company does nothing but lie and can not provide ANY proof that a consumer was informed prior to agreeing to a loan that escrow waiver would be denied on my loan type. This equates to deceptive loan practices and they need to be sued by the government. | ||||||
| 10/30/2023 | Yes |
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| I had two unauthorized transfers on my checking account at Navy Federal Credit Union. There were two transfers for {$50.00}, totaling {$100.00}, stolen by a person claiming to be my son. My son was XXXX and I have not seen him or spoken to him for almost XXXX years. He also does not even know that this bank account exists. Also, even if he did know about this account, he would never transfer money out of it without discussing it with me first. I told the fraud team at the bank all this information and they called me a liar. They said that the person who took the funds out of my account was in fact my real son and his name was XXXX XXXX. First of all, that is not my son 's name. And second, I don't know anyone by the name XXXX XXXX. No one has ever used this account except me. No one knows about this account except me. The message from the bank said I would need to discuss this transaction with XXXX XXXX. I do not know anyone by that name. And no one has my permission to take money out of my account. The fact that the bank fraud team were denying my claims suggests to me that there are suspicions for bank fraud. I also show that there is someone accessing my online banking from a XXXX computer using a XXXX browser. They are hacking my account. I do not ever use or own XXXX products. This could very well be the same person that fraudulently transfered funds out of my account. I would like to get to the bottom of this fraud claim and have the funds that were stolen fully reimbursed to my account. | ||||||
| 12/28/2022 | Yes |
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| I was contacted by someone at this phone number : XXXX ( XXXX ) XXXX. They claimed to be an attorney and legal processing service called XXXX XXXX XXXX. They also gave me a call back number of XXXX with a case number of XXXX. They threatened to take me to court unless I settled for an original principle balance. The original balance claimed was {$1400.00}. They stated with attorney and legal fees that amount would be {$3400.00}. The collector stated that the debt was originally sent to collections in XXXX until XXXX. They offered to settle for the original balance. I did not agree and they hung up on me. I called back and they said XXXX XXXX, wait for your summons and appear in court. I called back again and was met with the same response. I know the statute of limitations on this debt has passed. I havent had an account with navy federal since XXXX or XXXX. But I did call Navy Federal. Navy Federal said I had XXXX accounts charged off. One for a credit card with a {$500.00} limit and another for an auto loan with a balance of {$4300.00}. They further told me that my account is now with XXXX XXXX XXXX. The phone number given was XXXX. I didnt agree to pay anything, despite their threats because I knew my rights at the time of the call. I simply asked as many questions as possible to help this agency. Even if I owe Navy Fed anything, this debt has passed the legal statute of limitations, which I believe places the creditor in violation of cfpb statutes. Id ask that you please investigate. | ||||||
| 12/23/2022 | Yes |
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Web | Servicemember |
| Hello, I received two checks in the mail. For a total about {$1900.00}. I received the checks from my previous employer thinking it was the profit share check from working their the first 6 months of the year. I scanned the checks and navy federal approved them and deposited the money into my account. I though the checks were okay because they took a few days to process. So my wife and I made plans for the money and bought XXXX gifts for the family. I deposited the checks on Monday the XXXX and I believe the funds where available the XXXX. A few days later Navy federal pulls out the money from my account and gave me no warning as to what was going on. I had to call them and see why my account was negative {$1300.00}. Took awhile to figure out but the checks had a stop payment on them. They where checks that got lost in the mail from XXXX I just got them on the XXXX of XXXX. So today the XXXX I tried to transfer money from my other savings account but Navy federal froze my accounts with out warning. My be savings has a positive balance of {$1100.00}. The negative savings account balance about $ XXXX. I called navy federal to see if they could work me on unfreezing my accounts but they refused to help. They said I had to pay off the negative balance the {$1100.00} is all I have until I get paid again. They gave me no further options. So now I cant get my money for food or gas for the reset of the week until I pay off the negative balance. Hopefully you can help file a complaint. Thanks you XXXX | ||||||
| 09/21/2023 | Yes |
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| Dear CFPB, Navy Federal Credit Union is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. ( I contact NFCU customer service directly on a recorded phone. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health XXXX XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) For the Following : Accounts NAVY FEDERAL CR UNION XXXX # XXXX XXXX Loan Loan Department XXXX XXXX XXXXXXXX XXXX VA XXXX Contact date : XX/XX/XXXX XXXX Limite : {$500.00} NEVER /LATE : Before Covid-19 ( XX/XX/XXXX ) NAVY FEDERAL CR UNION XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Date : XX/XX/XXXX Credit Limit XXXX {$500.00} NEVER /LATE : Before Covid 19 ( XX/XX/XXXX ) | ||||||
| 04/26/2018 | Yes |
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| On XX/XX/2018 I was involved in a car accident where it was decided as a total loss. My insurance provider then began the process to pay off the lien holder { Navy federal credit union ). The cash value determined of my car by my insurance company was XXXX leaving a balance of XXXX on my auto loan. I then opened a gap claim with navy federal being I had paid for it when I opened my auto loan with Navy. After reading over the disclosure statement it gave details that navy is to pay 150 % of the cash value towards the balance, also stated in the disclosure their is an example given on how the process works. Navy refuses to apply the full 150 % to my balance, leaving me responsible for 727.00 ( est ) balance. I was told Gap was to cover the balance left on my loan and that is not what the service is providing. This service comes off as fraudulent because what they are paying towards the balance is only a little over 3,000. that is below the 150 % stated to be paid via the disclosure agreement, it would seem they are only paying the remainder of XXXX being XXXX was paid also the check was in the amount of XXXX, so do I even get money back being they not including the full check amount? This is not what is being advertised or even disclosed in the agreement. I am waiting to hear back from a supervisor being every representative could not fully explain why their process contradicted the disclosure statement, and why they are not going to apply the full 150 % themselves to the remaining balance | ||||||
| 06/23/2023 | Yes |
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| Hello. On XX/XX/XXXX I reached out to Navy Federal Credit Union to inquire about adding overdraft protection to my account. I was told that I couldn't add overdraft protection because I had an OPEN bankruptcy on my account. I notified the representative that this was no accurate. The rep asked me to call back tomorrow to speak with the Bankruptcy department because they'd already closed for the day. I filed bankruptcy back in XXXX of XXXX. My bankruptcy was discharged around XXXX of XXXX ( the same year ). Around XXXX of XXXX the bankruptcy was reopen briefly to amend some documents and closed right back on XX/XX/XXXX at XXXXXXXX XXXX Navy Federal somehow didn't close the bankruptcy out on my account but left it open. The problem with this is I have applied for credit and was declined. I also opened a credit card ( which is backed by a certificate I hold with Navy Federal ) which they gave me the highest rate the card goes of 18 %, Was my credit judged by the bankruptcy that Navy Federal falsely had ( or currently has ) on my account which in turn caused me to be declined and given a higher interest rate? I can't see an underwriter ignoring a bankruptcy when making a credit decision- so we know something happened. I tried to respect the chain of command and speak with someone at the bank to discuss this- but I was only threatened, emailed a brochure, and told by the supervisor that he HIGHLY suggest I read it before I pursue any legal avenues. Per the Fair Credit Act this is wrong. | ||||||
| 05/01/2023 | Yes |
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| The Navy Federal Credit Union fraud department told a third party about my accounts transactions and balances on XX/XX/2023. The banker accessed my account through another member 's account and gave vulnerable information regarding my account. The banker or from my understanding, the supervisor, told this third party member who isn't authorized on my account my recent transactions with my account and my savings limit which was connected to my credit card. The said person reached out to me and told me all these details on the phone conversation between the banker and them. When I spoke to someone at Navy Federal Credit Union about this matter, they couldn't find a recording under my account, until I told them to search when my account was accessed and by who, this is when they put me on hold and told me this was a legal issue and they aren't allowed to speak to me any further regarding the incident. Then the supervisor that I spoke to, tried to pretend that nothing was said on the call between their banker and third-party individual but when I asked him did he listen to the whole conversation? He said, " No, it was a long call and skipped throughout the call. '' That alerted me that this was privacy and consumer negligence on the Navy Federal Union 's behalf. The banker decided on their own will to release personal information regarding my account to someone that isn't listed on my account to receive any of those details. I want to see what are penalties for this matter with them. Thank you! | ||||||
| 05/03/2018 | Yes |
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Web | Older American, Servicemember |
| On or about XX/XX/XXXX, My concern is Loan & card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan and card credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The rate increased and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan and Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XXXX. | ||||||
| 06/13/2022 | Yes |
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| On XX/XX/XXXX I noticed there was an ACH transfer from my Navy Federal Credit Union account. I reached out to the customer support team at NFCU. They closed the account and completed a fraud report. They advise me to change my user name and password and run a virus scan on my computer and phone. At which point they gave me access back to my mobile and online banking. They gave me a {$5000.00} provisional refund until the case was researched. 2 days after I went through this process, there were two other attempts for {$5000.00} each on the brand new account. Once again, we went through the process and opened another new account. I took my laptop to XXXX XXXX to have them do a thorough check and make sure it was free from XXXX or anything else. A few days later I called and had my mobile banking reactivated. Sunday XX/XX/XXXX, I was balancing my checking account and noticed on XX/XX/XXXX there was an adjustment in the amount of - {$5000.00}. I called them as soon as they opened and they stated my claim was denied. I was asked to send an email addressing my concerns. Which I did, and it takes 2-3 days for a response. I'm on hold as I type this complaint. Hold time is 30 minutes, I will hold for two hours to get this taken care of. I'm in the midst of purchasing a home and I don't have 2 or 3 days. I will not be held responsible for the actions of a common criminal, nor should I be. If you can please help me or point me in the right direction, I would greatly appreciate it. Kind regards | ||||||
| 06/06/2023 | Yes |
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| Dear, XXXX I received a copy of my credit report and I have found the following items listed below to be in error. Account Name- XXXX XXXX XXXX XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave You, XXXX OR NAVY FEDERAL any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX has caused severe stress and XXXX due to the abusive and unfair practices. This account is also is be reported as late when I never was never late on any payments. NAVY FEDERAL even acknowledges the fact I wasn't late on any payments based on the fact they are reporting the account as never later/paid on time. This is a violation of 15 USC 1681 s-2 because NAVY FEDERAL/XXXX have a duty under said title to report on my consumer report with 100 percent accuracy. NAVY FEDERAL/XXXX are obligated by law to delete all late payments associated with this account and report the account as Never late/paid as agreed across all 3 consumer reports. Both NAVY FEDERAL/XXXX, should be ashamed of themselves for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! | ||||||
| 10/14/2020 | Yes |
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| https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? lawCode=CIV & sectionNum=2941 8. ( d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX XXXX dollars ( {$500.00} ). XXXX XX/XX/2020 - signed closing documents on REFI MORTGAGE XXXX XX/XX/2020 - I have NOT received my Lien Paid and Satisfied Note. I found out XXXX XXXX that the Reconveyance Record dated XXXX XX/XX/2020 was filed with the county and top left corner of the document said Record and Return to XXXX XXXX at a WRONG ADDRESS!!! That's not my address for this legal document or any other legal documents ... or any junk mail for that matter. That's not my address at all. I think the wrong address is why I haven't received anything. Someone messed up. Will proper documents be filed with the county recorder 's office and sent to me? NFCU won't help me. I have called, emailed, emessaged on their website, over and over. I have records. And, today supervisor just emailed me : " Have you reached out to the servicing department for the paid in full letter it would come from that department. XXXX '' I called from work and was sent to the vehicle loan dept then I held on hold forever ( while calling from work ) I am contacting CFPB because I have no faith that NFCU will fix this problem unless you get involved. | ||||||
| 12/20/2020 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2020 I visited a car new dealership to purchase one of the two XXXX 's for sale. I made it very clear on the website which vehicle I was interesting in purchasing. The sales person indicated that he would pull the SUV up front for me to see. After talking for about 30 minutes the sales person agree to accept {$5000.00} from my credit card and the balance I would electronically forward from the same credit union. They advised me that only {$3700.00} was available on my card. I authorized for the amount and I told the sales person to let go home to learn what had occurred because I made a payment the night before. The salesman gave me the paperwork with the price, taxes and fees and it was then that I noticed a difference in the price that I was presented. The salesman was trying to sell me the other XXXX XXXX of the same year with a higher price. I went home and look at the two XXXX 's and the one I wanted and the one he tried to sell me. I emailed the manager of the car dealer to refund my money by returning the amount because I did not want the higher price SUV, the next day. I notified my Navy Federal Credit Union to dispute the transaction on XX/XX/2020. I learned the next week that I filed an dispute incorrectly, so I filed a dispute correctly. I did receive instructions to " freeze '' my account. I filed another dispute or questioning for a response. I was advised that it may take awhile. I purchased another newer SUV at another dealership on XX/XX/2020. | ||||||
| 08/01/2018 | Yes |
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Web | Servicemember |
| I am a loyal customer of Navy Federal Credit Union, I've been with this company for almost 20 years. On the evening of XX/XX/2018 I received a call from a XXXX XXXX XXXX, XXXX. An agent says his name is XXXX XXXX Employee number : XXXX called me from a series of numbers, his first number was ( XXXX ) XXXX and ( XXXX ) XXXX. That evening i gave the XXXX technician authentication to upgrade my malware on my XXXX. I later discovered that he was able to get into my bank account and transferred a balance of {$10000.00} from my credit card. I later asked the bank how can someone be able to transfer that large of a sum without myself being called or my account being frozen. I spoke with a bank claims manager who was very disrespectful and condescending, I honestly don't feel safe with my money in their hands after this situation and quite frankly I don't know how can they allow this sort of cash advance without some sort of authentication? I asked to speak to numerous managers regarding my claim all trying to interrogate me like i'm a criminal or something. I've been banking with this bank for almost 2 decades, I have outstanding credit so this situation have been really disheartening that they are trying to disclaim my claim. They said that they do not cover hacks or identity fraud. Please can you investigate this bank, this could be an inside job. Navy Federal Credit Union is the bank I'm referring to. Thank you so much and looking forward to hearing from you. XXXX XXXX, ( XXXX ) XXXX | ||||||
| 11/30/2023 | Yes |
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| Notice of Demand Close my Account.. Immediately, since the XXXX Navy Federal think this account was opened wrong. What type of dummy will deposit money into an account they have no access to do full Banking transactions according to the Banking Act? Navy Federal credit union has 3 days to officially close my account. STOP USING MY SOCIAL SECURITY NUMBER FOR YOUR GAIN ON THE MARKET. I KNOW ANY MONEY I DEPOSIT IN THIS ACCOUNT I AM TO RECIEVE DOLLAR FOR DOLLAR. I ALSO KNOW THE BANKS USE DOUBLE BOOKKEEPING... SO WHEN I DEPOSIT MY MONEY YOU MAKE A DEBIT AND A CREDIT AND KEEP 10 PERCENT OF MY DEPOSIT AND LOAN IT TO OTHER CUSTOMERS AT A HIGHER INTEREST RATE. I KNOW WHEN ANYONE COMES AND ASK FOR A LOAN BY LAW, YOU THE BANK CAN'T LOAN OUT ANY OF YOUR ASSETS, TO US ... ..UMM WHERE DO THEY COME FROM THEN?? US, THE ORIGINAL CREDITOR ... When we sign that promissory note for the loan, yall go on the backside, fill out XXXX XXXX, HAVE THOSE CREDITS Transfered to the bank ( underwriter ) then the bank tells us what the Federal Reserve Bank is willing to loan, you put yourselves as power of attorney and trick people into thinking they are really getting a loan from the bank when in all actuality its their money the bank is loaning them and then will charge interest on our money. Please stop playing me. All documents / correspondence will be recorded. A copy of this email will be sent to the FTC/ SEC/ IRS CID/ Attorney General/cfpb and any other regulatory agency I see fit to contact. | ||||||
| 03/01/2023 | Yes |
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| On XX/XX/XXXX, I went to the Navy Federal ATM located at XXXXXXXX XXXX XXXX XXXX, XXXX to deposited an amount of {$980.00}. After accepting the cash, the ATM tried to open and close about 3-4 times, each time trying to spit a {$20.00} dollar bill which comes out half way and goes back into the ATM. I stood there watching what was going on with the ATM until it closed finally. During all this clicking sound an amount of {$980.00} was shown on the screen for a brief second as having deposited. After standing idle and watching the abnormal functioning of the ATM close to ~30-45 seconds, the ATM closed finally and a receipt came out showing a XXXX Amount Deposited ( See receipt attached ). Without moving away from the ATM machine, I called NAVY federal office to report the incident and I was assured of an investigation within 10 days. On Tuesday XX/XX/XXXX, I called NAVY federal to check on the status of my claim only to be told that the said claim was denied ( See Denial letter attached ). I called to speak with two different managers but each of them did not provide any help but reechoed the decision of their investigation. I was told to expect a contact from a Branch manager that evening on XX/XX/XXXX but I'm yet to be contacted. Please I would like your office to assist in resolving this matter as there are multiple ways to substantiate the authenticity of my claim and not just by the physical cash in their ATM on that day. Thanks for your cooperation. XXXX XXXX XXXX XXXX | ||||||
| 07/19/2022 | Yes |
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Web | Servicemember |
| I contacted Navy Federal Mortgage to apply for a home owner loan. On our initial call I told the loan agent that I own a company and that I have a new job that I am moving to XXXX XXXX XXXX to begin, AFTER I buy a house. I asked if that income could be used to determine my pre approval amount. I was told yes and for me to send in an acceptance letter from the new job. I did this XX/XX/XXXX and I was approved for the Pre approval on XX/XX/XXXX. I went through a very rigorous process. I paid for things during this process like home inspection, profit and loss statements, a second inspection, ... .etc. 4 days before closing, I get a call that said that even though there was a acceptance letter, and even though they contacted the owner of the company to verify employment, that I was denied because they could not verify my income through a pay stub. If you will read the same document that they asked me for, ( acceptance letter ) It says that I didn't start my job until XX/XX/XXXX. My closing was XX/XX/XXXX. Therefore they KNEW that there would be no pay stubs. Why would this company allow me to go through all of this, to deny me for something that they had knowledge of from the beginning. I invested time, money, energy. I started shopping for appliances, starting applying to moving companies ... ..etc.This was so wrong on so many levels. For them to be a name brand bank and for them to play with my life like this was terrible. Thank you for listening and I hope that we can resolve this | ||||||
| 12/12/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I filed a fraudulent claim with Navy Federal Credit Union for a charge from XXXX XXXX for {$180.00} that was not supposed to happen. I spoke with customer service and she admitted this was an incorrect charge and XXXX would refund me in three business days. That never happened. I submitted a fraud claim with Navy Federal Credit Union on XXXX XXXX They immediately issued a temporary credit in that amount while investigating ( a process that could take up to 90 days ). On XXXX XXXX XXXX XXXX charged me a second time for a different amount of {$180.00} for the same transaction. I immediately called Navy Federal Credit Union and filed a dispute, letting them know it was the same transaction and to stop any future charges. The only way to do that was to close down my debit card ( a true hassle ) so I did. I went through the dispute process and did not receive a credit to my account. I was told it could take up to 10 business days. It has far passed that and still no credit. I called back on XXXX and was told they weren't sure why it wasn't there. The " system '' determines if a credit is issued. It takes a person to simply look into the fraudulent charge. To date, I am out {$180.00}. It is the holidays and I need this money. In addition, they are now having issues posting transactions. They used to be a great company to work with but they are not taking my account seriously. Can someone please help me recover my money and make sure this isn't happening to others? | ||||||
| 10/31/2023 | Yes |
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Web | Servicemember |
| I'm upset that I am having to file yet another complaint against NFCU and their mortgage division. I am in a difficult financial situation now since my spouse passed away and losing quite a bit of income. I updated NFCU as to my current situation I also speak for a few who feel bad they they are having trouble meeting their monthly expenses like I am. Today XX/XX/2023 I made my past due mortgage payment before it was 30 days late and reflected on my credit report as delinquent. After I set up the payment as I always do only to have it rejected with a notification to contact NFCU by phone to complete the process. I was LOCKED OUT of my account and could not process any payment online like I have every other time except once when I was late making my mortgage payment then but assumed it was not their common practice.especially after a lawsuit alleging the very same behavior a few years ago. Clearly NFCU is not concerned with their customers experience in making payment 's on their loan. I told the customer service rep how upset I was and she agreed that this practice is common and unfair. Additionally over the course of a few weeks NFCU called my cell phone a minimum of twice, sometimes 3 times a day every day which is quite a bit more than they are allowed to do by law.In fact they completely filled up my voice mail. I know I am late but to have them harass me on the phone especially while I am going through the grieving process after losing my spouse suddenly is too much to bare. | ||||||
| 09/24/2023 | Yes |
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| NAVY FEDERAL CREDIT UNION IS IN SERIOUS VIOLATION OF VIOLATING MY CONSUMER RIGHTS. I HAVE ASKED COMPANY TO PROVIDE MY WET SIGNATURE IN REGARDS TO XXXX ACCOUNTS WITH THIS COMPANY. NAVY FEDERAL CREDIT UNION IS IN SERIOUS VIOLATION OF PERMISSIBLE PURPOSE 15 U.S. CODE 1681 b, The Truth and Lending Act 15 U.S. Code Cap. 41 1601, Extortion, Embezzlement, Debt Bondage, Traffiking, Attestation, Right to privacy 15 U.S. Code Section 602 A, Navy Federal Credit Union did not have my written consent to report to any bureaus which is a violation of 15 U.S. Code 1681 Section 602 A Section 2, also banks do not have real money so why would this bank LIE and say I used their money when the bank used my social security number to create a promissory note that I did not consent which is aggravated theft 18 US Code 1028 A. Also why is this company reporting late payments which is against the law 15 US Code 1681 a ( 2 ) ( A ) ( i ). Why is this company asking for my social security number which is against the law 42 US Code 405. banks do not have lawful money and this bank is committing crimes 12 US Code 1431. Provide proof of the original promissory note, provide wet signature, provide ledger. Reporting on a closed charge of account is a violation that Navy Federal continues to commit 15 U.S. Code 1681c. Client must be compensated due to aggravated identity theft 18 US Code 1028 A. Remove all accounts off of every credit report immediately. Navy federal has also Violated an order to Cease and desist. | ||||||
| 09/25/2023 | Yes |
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| On XX/XX/2023, I attempted to log into my Navy Federal Credit Union App, however, I couldn't because a received a pop-up message that stated " We're unable to sign you in. Please call us at XXXX for further assistance ''. I immediately contacted them at the listed number and waited on the phone with customer service then the fraud department for about 45 minutes to find out what the issue was.The fraud department stated that they had an issue with my business partner with an issue that was not directly related to me and had nothing to do with my personal account or our business account there at the bank but they wanted to ask me a few questions. I agreed to answer whatever questions I could based on the fact that this was my first time being made aware of the issue. I then answered what I could and told them I would speak with my business partner about what he had going on with Navy Federal Bank and get back to them. I called back on the XXXX and was placed on hold for over an hour so I disconnected the call and called backed on the XXXX. On the XXXX I was finally able to get someone in the fraud department, I answered all the additionally questions which didn't seem to make a difference at time because they had already decided to place a permanent restriction on my personal account, my business account and my credit card with them. I have never been late with my card payments and I have always had a good history with Navy Federal Credit Union and now all my accounts are closed. | ||||||
| 10/04/2017 | Yes |
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Web | Servicemember |
| A check was deposited by myself and the joint owner navy federal placed a hold on the check the hold was then took off and i have other payment providers through my online buisness navy federal then restricted my account due to activies that my online automated account modification programs automatically adjust payments posted from sales comission etc.since navy federal does not seem to understand the nature of my buisness a restriction was placed on my account and adjustments can not be made causing major financial losses of over {$1.00} a week. Furthermore a check deposited to my account appeared to be potentially to have negative status to my account navy federal reviewed this check placed a hold on the check even though myself or the joint owner hasnt attempted to access funds from that check until the institution clears or deems the check no good than its the banks responsibility to remove adjust or disregard a non valued payment instrument not the account holder this check was payment for a vessel that the bank has to my knowledge didnt honor or to my knowledge already adjusted this bank has violated also discriminated the nature of my buisness i am a XXXX also i XXXX XXXX XXXX XXXX XXXX XXXX the banks lack of knowledge of these ventures i believe the bank made an assumption of my character based soley on appearance made judgement and acted on a unprofessional way that caused my income to deteroirate also i still have account restrictions that i cant access certain things | ||||||
| 10/28/2023 | Yes |
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| Navy Federal XXXX XXXX Credit card I called them yesterday and let them know that I was going thru a financial hardship. My father just passed and all of my money is going to my mother at this point because she needs her sons help. I asked them what they can do for me the represenatives states they couldnt do anything for me at all. Its past the months to state you need help. I asked could they take away the late payments they told me they cant. I asked can they help me lower the payments they told me no. They insisted on using my secured money that was sat aside to get rid of the balance I told them no because I already gave them a Security collateral that is a application and asked them to use that to pay the interest and equity to the principal balance they told me I didnt have equity or interest in this business. It clearly states on there website they every person that holds an account has equity so they lied to me and was ignorant to me then hung up on me they did this multiple times. I have no help at the moment XXXX a single dad raising XXXX children they wont do nothing to help me out and I see that this very wrong to do to a consumer. They are not acting in good faith at all and they are using money that is not theres. They told me banks loan money and I know this for a fact that that no bank loans money at all. They loan a security interest and bonds so I need help with this they threatened to close my account if I did not make the payment in which I could not make. | ||||||
| 01/02/2022 | Yes |
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| On XX/XX/XXXX, I noticed a pending transfer transaction of a negative - {$400.00} on my personal banking account to my open end consumer credit plan. This caused me to XXXX out of control and I called Navy Federal Credit Union ( NFCU ) to find out who fraudulently transferred money out of my account. The NFCU customer representative named XXXX told me that my account was not hacked and that it was NFCU Collection Department who transfer the money fraudulent without my approval or request. When I asked XXXX why did NFCU Collection Department would fraudulently transfer my money to an open end consumer credit plan that I extended to NFCU to extend back to myself she responded by saying I should call their collection department to find out. In addition, NFCU Collection Department also sent a deceptive debt collection letter to me that included their company logo, false reporting to credit bureaus instead of credit reporting agencies, accusing me of owning a debt on my open end consumer credit plan that is suppose to reset after the balance hits its max limit and a finance ( interest/percentage rate ) charge ( {$50.00} or less ) is paid. NFCU also fraudulently transferred a negative - {$360.00} of my money to my open end credit plan on XX/XX/XXXX. NFCU is not properly handling my open ended consumer credit plan properly and that is causing me a great deal of XXXX XXXX and reporting negative information to credit reporting agencies, and stopping me from extending line of credit. | ||||||
| 07/21/2021 | Yes |
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Web | Servicemember |
| Fraud and Identity Theft on my checking account. I received a text from Navy Federal Credit Union about Possible suspicious activity was found on your Navy Federal Credit Union account. ( text XXXX ) on XX/XX/2021 at XXXX. I called the very next day an spoke to someone ( do not recall name right now. ) She stated that someone was in my online account since XX/XX/2021. I ask why are you just now telling me this on XX/XX/2021? she stated that someone took out my mortgage payment in the amount of {$2600.00}. They replied we know who did it but your claim is denied because you let them have access to the account. I stated I have no idea who this person is? second claim was that my wife deposited {$2300.00} cents in my account then withdrew the same amount. My wife was listening to the conversation due to the fact that I record my calls and I was on speakerphone at that time. She pulled her bank statements on that date which is XX/XX/2021 and no amount of money was ever deposited in my account nor deposited back in her account from her. when I presented them with the facts they said you can keep pretending or denying the facts. What? they have yet to show me any proof from emails, texts, IP addresses, nothing and I have continued to ask for proof. They keep giving me the run around and passing me from department to department. I am reaching out to you prior to filing a lawsuit against them for fraud and racketeering act. ( RICO ACT ) as well as several other reasons. | ||||||
| 09/19/2023 | Yes |
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| The previous reply from XXXX ( XX/XX/XXXXXXXX ) via CFPB Case # : XXXX states : The Account originated on XX/XX/XXXX with Navy Federal Credit Union XXXX The Account charged off on XX/XX/XXXX with a balance of {$5200.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$5200.00}. Yet in the Court complaint states : 8. Upon information and belief, the statute of limitations for the cause of action asserted herein is 3 years and therefore has not expired. 12. The last payment to the Account was on or about XX/XX/XXXXXXXX in t h e amount of {$5.00}. XXXX still hasn't responded to my debt validation request or provided : 1 ) The original, executed credit agreement and all amendments. 2 ) All documents related to proof of mailing of statements. 3 ) All information and documents relating to compliance with XXXX. XXXX. Code XXXX, XXXX XXXX. 4 ) All documents related to reporting made to any consumer reporting agencies. 5 ) All documents relating to any dispute concerning the validity of the alleged debt. 6 ) All documents relating to cancellation or termination of the agreement. 7 ) All information and documents relating to acquisition of the alleged debt, including, without limitation, executed copies of all assignments/transfers I would like answers to the above before pursuing legal action against XXXX & its attorneys for lying in court proceedings and all costs/damages related to this lawsuit. | ||||||
| 04/25/2022 | Yes |
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Web | Servicemember |
| XX/XX/2022 - I checked my account and reported my card for fraud for the XXXX {$900.00} unauthorized transactions that were made. XX/XX/2022 - Somehow the fraud claim was denied by navy federal. They gave me an option to write back to them, so I did. I simply lost my card, then somehow there was {$1800.00} taken off of if. The card was not in my possession at the time the fraud occurred, the original plan was to just get a new card, until I seen that someone used it. I believed my card was stolen. But to be more careful, I took most of the money out of my account that I could after I reported it fraud. The reason I did that is because I had a friend who got his card stolen by his ex, so he got a new card but somehow she had the login information to his Navy Federal. I have never allowed anyone to use my card EXCEPT my XXXX XXXX XXXX. I never received any merchandise from the merchant, I do not shop at XXXX. I put the fraudulent charges on my card. But Navy Federal claims that no error has occurred. And I am not sure if its because I cleared out my account the same day ( to be careful ). Or if its because there Is scammers everywhere and now every fraud claim looks suspect? XX/XX/2022 - The {$1800.00} was taken from my account. XX/XX/2022 - Ive sent multiple messages writing to them and trying to figure this out the past few weeks, no response. So Ive been using a different bank while my Navy Federal account is still - {$1800.00} because I lost or got my card stolen. | ||||||
| 09/14/2020 | Yes |
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| This is the THIRD time i have had issues with this company. Back in XX/XX/2020 i set up a payment plan to pay off my debt. i told the rep to please take out {$85.00} every 2 weeks according to my pay dates. I was told the first time it would come out of my checking account and it never did. I called and confirmed the correct bank information and they confirmed that was what they had in their system as well. i am not sure why the money was never withdrawn. I called and set up the payment again and confirmed they can withdraw {$85.00} from my account every 2 weeks automatically. The bank information was viered and it was taken out 1 time. After that happened in the spring i submitted a complaint back in XXXX because the money was never taken out of my account. Even though i gave permisson to do so. I spoke to MS. XXXX who again confirmed with me that starting XX/XX/XXXX i would have money taken out of my account every 2 weeks starting XX/XX/2020. I later got a call from someone named XXXX i believe who asked if i wanted a payment to be set up. I told him the payment should have already been set up to take out {$85.00} every 2 weeks. IT WASNT SET UP! I confired with him the infomration AGAIN to have payment take out starting XXXX XXXX and he ASSURED me that i would not have to repeatedly call back and it will be automatically taken out. That i would not have to worry and its been set up for payment every other week. Well now the ONLY PAYMENT THAT CAME OUT WAS ON XX/XX/2020. | ||||||
| 07/08/2022 | Yes |
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| I tried to access my online savings/checking/HELOC account over the weekend of XXXX. I got an error message saying I needed to call. I called and there was a message saying they were doing website maintenance so I assumed that was the problem. I waited until XXXX. Still locked out. Called told there was a security lock on my account due to someone trying to access my information by phone fraudulently. I would need to visit a branch to rectify. I went to branch and was photo ID 'd and they established a code word I would need whenever I called about my account as an extra layer of security. However they said they were unable to remove the block I would have to speak to the security team via phone. I went home to call the security team. They are only available XXXX on weekdays and hold times are over 1 hour. I have a job and was unable to call from work. I finally took off Friday afternoon XXXX ( unpaid ) to try to call. I was on hold for 2 hours and 4 minutes. They were able to unblock my account. It is completely unacceptable that they were able to block my account for a week and I had to take off of work to be on hold for more than 2 hours. This was no fault of my own and it needs to be easier for customers to get through to access their own money. It was bad enough having to go to a branch in person -- but they were unable to completely resolve the issue. I also had no official notification that my account was blocked by email or in writing, I had to find out on my own. | ||||||
| 09/01/2023 | Yes |
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| The company has violated the Electronic Funds Transfer Act and also 15 USC 1666h of the Truth in Lending Act by removing/transferring deposited funds from my consumer checking account without my expressed written consent. The funds that were removed/transferred were applied to other alleged delinquent credit card accounts to satisfy alleged debts. Due to the companys actions, my consumer accounting has been severely thrown off and has created a snowball effect within my consumer finances as a whole. On Friday, XX/XX/2023 I spoke with a XXXX, alleged supervisor in resolutions who became extremely rude as I expressed my rights as a consumer. XXXX began to express that I am bound by the company 's agreement. I informed him that I can not be bound by any agreement that violate my rights as a consumer. I also made him aware that my consumer relationship with the company is only governed by the Consumer Credit Protection Act and any other Act of Congress put in place to protect the rights of consumers. He proceeded to become extremely loud and disconnected the call abruptly. XXXX 's actions shocked me and cause me to lose faith in the financial institution and caused deep discouragement. I then called back immediately and spoke with XXXX, supervisor in resolutions who heard my complaint and listened carefully. Unfortunately she did not have the power or authority to redress the matters mentioned, but directed me to address my concerns with Navy Federal 's message center. | ||||||
| 04/07/2023 | Yes |
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Web | Servicemember |
| On XXXX XXXX, 2023, an unauthorized transaction in the amount of {$3500.00} was withdrawn from my money market savings account over the phone at Navy Federal Credit Union ( NFCU ). NFCU did not enact the appropriate security protocols in order to authenticate my account. NFCU claims that all actions were taken to do so, yet they did not request my code word nor send the one time passcode to the contact number on file. As a result, I was a victim of fraud and possible identity theft. Since then, I have taken all necessary steps to protect myself from future bad actors. I closed the money market savings account and restricted all remaining accounts to deposit only. I restricted all transactions to in-branch only. I changed my security code word and asked that it be communicated for every single transaction. I implemented a credit freeze with the credit bureaus. Lastly, I filed a police report on XX/XX/2023. I have not received any correspondence from XXXX XXXX at all. I've requested a weekly email update on my account from one of the local tellers, yet I have only received a few emails since early XXXX. They have completely negated their responsibilities as a credit union albeit my continued business with them for over nine years. They won't answer any of my inquiries and continue to tell me that they are " back logged '' with complaints and offer no updates regarding my case. It's been two months now since the fraudulent activity on my account with ZERO concessions made. | ||||||
| 08/22/2021 | Yes |
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| Navy Federal is a Corporation that continues to pursue an allege debt that I've requested a cease and desist. They are reporting the debt to all three consumer reporting agencies. XXXX, XXXX, and XXXX without my authorization which is considered identity theft according to Federal law United State Code. Also, XXXX XXXX you have ask for my social security number for fraudulent purposes is a felony pursuant to 42 USC 408 ( a ) ( 8 ) ( 9 ). You closed my credit account without my permission and according to 15 USC 1602 ( p ) The term '' unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Also, according to 15 US Code 1611- Criminal liability for willful and knowing violation. Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( A ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more that {$5000.00} or imprisoned not more than one year, or both. | ||||||
| 06/29/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023, I made a deposit with two checks ( # 1 {$110000.00} & # 2 {$10000.00} ) from the US Treasury at a local Navy Federal Credit Union ( NFCU ) branch and per their funds availability policy the funds were made available to me the next business day. However, 24 hours after the deposit, and having made the funds available, NFCU opted to then arbitrarily put an extended hold on the funds and reversed the availability from my account. NFCU did this without warning ( an email was sent after the fact ). NFCU provided no factual rational that justified their actions, and I was told by an NFCU employee that the hold was placed because the checks had a high probability of not being paid, which made little sense as the checks were US Treasury checks. NFCU 's policy does allow for extended holds to be placed on funds for up to 5 days. However, their policy does not state that fund availability is subject to reversal after an initial hold has elapsed and funds have been made available. NFCU was not acting in good faith when it released the funds and then reversed that release without any fact based rational, evidence, or indicators of fraud. By NFCU 's explanation and rational, a customer has no way to tell when the funds actually become available, i.e., the customer can not rely on the balance shown in their account at any time until 5 business days have elapsed after the deposit as NFCU can reverse the availability at any time without warning or proper justification. | ||||||
| 01/04/2023 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX Is attempting to collect a debt that was deemed a fraudulent account by the FTC, CFPB, Navy Federal Credit Union, AND all three major credit bureaus. When I previously disputed this item -- XXXX XXXX XXXX XXXX response was providing a statement from NFCU showing I made a payment on the account. I am unsure how this " proves '' the account was not fraud and/or the result of identity theft -- it certainly does not meet the legal definition in by the provisions of 15 USC Section 1681i of the Fair Credit Reporting Act. Making a payment on the account does not prove it was not fraud. I made a payment in an attempt to avoid it hurting my credit while I disputed the information. Navy Federal Credit Union required that I get a police report, and also an FTC affidavit in order to dispute the charges. Which I did- but the took time. I have attached copies here -- again. My NFCU CREDIT CARDS WERE STOLEN FROM MY HOME. Along with my ID, my social security card, etc. This resulted in identity theft. The cards were not OPENED fraudulently. They were stolen and USED fraudulently to open other accounts. I attached the police report that says as much. My next step is to file a complain with the Florida Attorney General 's office and also to file suit against XXXX XXXX as I have med the burden of proof that these items are a result of fraud AND they they have already been removed from my credit previously. Which means that XXXX IS still attempting to collect a debt. | ||||||
| 04/04/2022 | Yes |
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Web | Servicemember |
| I spoke with Navy Federal Credit Union on several occasions and desperately tried to show proof of fraud and dispute transactions done fraudulently, it all started, when I purchased a new XXXX XXXX XX/XX/XXXX from XXXX in the XXXX. I filed a police report the same day at the XXXX precinct because of high call volumes on my account and my XXXX had been previously compromised. I deposited XXXX dollars into my account in XX/XX/XXXX and with the new XXXX I thought I was safe and it would not be compromised. I started using XXXX XXXX because XXXX XXXX and its easier for me to send money. I did not know about the XXXX data breach until later in the year and that's when I noticed something was wrong with so many transfers from my Navy federal Credit Union account . I called them them in XXXX to dispute charges and when it came to the transfers to XXXX XXXX I know that someone was stealing my money. ( MY XXXX WAS COMPROMISED AND CLONED I HAVE PROOF NOW THAT SOMEONE USING MY IMEI AND PHONE NUMBER MADE TRANSFERS WITHOUT MY PERMISSION. I AM FILING ANOTHER POLICE REPORT. NAVY FEDERAL CREDIT UNION RESPONSED IF I MADE ONE MISTAKE REGARDING WHICH TRANSACTIONS WAS FRAUD THEY WOULD DENY MY ENTIRE FRAUD CLAIM WHICH THEY HAVE ON MORE THAN TWO TIMES. MY SECURE CREDIT CARD ALSO HAD A FRAUD AMOUNT ON XX/XX/XXXX FOR XXXX XXXX FOR XXXX WHICH SOMEONE CREATED A XXXX XXXX AND USED MY NAME AND A DIFFRENT TELEPHONE NUMBER. THAT MONEY WAS REFUNDED AND THAT IS THE ONLY AMOUNT THAT NFCU HAS RETURNED. | ||||||
| 07/20/2022 | Yes |
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| My Navy Federal Credit Union XXXX credit card has a due date of XXXX every month. I am given 3 day grace period. Therefore my statement ending date is the XXXX. This month I made a payment towards my balance of {$2000.00} on XXXX XX/XX/2022. The {$99.00} minimum payment was made in the morning while {$2000.00} was made in the evening. These payments were taken out of my account instantly. Navy Federal released my XXXX statement on XX/XX/XXXX. They did not take into account either of my XX/XX/XXXX payments stating that my payments were made after XXXX XXXX on XXXX. This is not accurate as the {$99.00} payment was made before XXXX on the XXXX. The {$2000.00} was made in the evening. But even then NFCU, took out the money instantly and should have recognized revenue on the date they earned it which is the XXXX. This is an abrogation of XXXX revenue recognition principles. I called NFCU on the XXXX to point out that I was concerned my payments were not being reflected accurately. They told me I should wait until Tuesday once the amounts have posted for them to release a new statement. I called on Wednesday XX/XX/XXXX. The statement was indicating that the payments were made on the XXXX. This is a misrepresentation. They refused to redo the statement. I would like them to redo the statement to reflect the accurate economic reality of my credit card transactions. Their action if left unaddressed will harm my credit scores and hinder my prospect of getting financing. | ||||||
| 06/03/2022 | Yes |
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Web | Servicemember |
| I received a refund from Navy Federal Credit Union for my mortgage overpayment. The refund was intially sent in the form of a check. My mail was delayed because I was in the process of relocating. I contacted Navy Federal Credit Union and asked them to cancel the check and deposit the amount in my savings account instead. The refund amount of {$370.00} was deposited into my savings account on XX/XX/XXXX. On XX/XX/XXXX Navy federal credit union transferred this amount to their debt collections department. I never received notification and was never contacted by their debt collection department. I filed a complaint with CFPB on XX/XX/XXXX. Navy Federal Credit Union responded to the complaint by stating that I owe {$13000.00} for a credit card. This is false. I do not agree with the amount Navy Federal is attempting to collect. I never received documentation regarding this debt and was never provided with an opportunity to dispute the debt. The only credit card I had with Navy Federal Credit Union was closed and charged off in XXXX of XXXX. I moved to Illinois in XXXX. The statue of limitations to collect a debt in the state of Illinois is 5 years. I Never agreed to make a payment toward this debt. Navy federal credit union STOLE my refund money from my savings account and fraudulently applied it to a closed credit card account from XXXX to reset the clock for the statue of limitations. I Never agreed to this and was Never notified. My consumer rights were violated. | ||||||
| 10/15/2016 | Yes |
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| I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a crap about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. I 've disputed this with the bureaus and creditors in the past and have received no assistance. As for the NFCU account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. The accounts and inquiries in dispute are listed on the letters that I have attached. | ||||||
| 08/05/2021 | Yes |
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| The problems started in XX/XX/2021 when a representative from the Navy Federal Credit Union caused errors on my account due to my checking account being hacked. From that time on I had problem after problem with that credit union. Then yesterday, I found out that they closed my checking account. I had previous disputes with them on a transaction concerning XXXX XXXXXXXX. I had submitted a 2nd request for review of the situation. Yet, I never received even an acknowledgement of the email. The next thing I knew noticed was my account being closed and I received a letter. I am absolutely disgusted and apalled by this Navy Federal Credit Union. I have serious health issues and I don't not need this unnecessary stress. Everyone at the Navy Federal Credit Union always had a different story to tell about any question someone has. They are very confused and do not what they are doing! I Tried to close my savings account with them this morning as was not able to do so because the female representative said she didn't know how to do it! This is the most disrespectful, inhuman, uncaring, unknowledgeable credit union I have ever been associated with! They should not be allowed to treat people that are ill any type of way. I am now having to wrongfully pay {$91.00} because of an issue that was not my fault. I do not want this to be place on my credit file so I have not other recourse at this time but to pay this. However, I do not agree with this false debt that they claim I owe! | ||||||
| 12/03/2018 | Yes |
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Web | Servicemember |
| Navy fed has put me in a hardship to many times. Last year my now x husband did not pay the mortgage and the kept taking the money out of my account to pay it. This left me with no money to pat the mortgage on my rental property so now the start foreclosure. I gill Bankruptcy to stop the sell. Now im in bankruptcy and i call to have a money order mailed to my trustee for {$1700.00} it never got sent so my bankruptcy was dismissed. The sent letters to my attorney and trustee but the case was not reopened. Now it cost me {$1800.00} refile and they say i dont have enough income to do it this time. I filed lost mitigation papers in XXXX again in XXXX and again in XXXX. Im saying why do i keep having to refile meanwhile they are foreclosing and have a sell date of XX/XX/12. Im saying i thought we were in last mitigation no one has told me the results and that i was in foreclosure. Now they are saying they the whole package My primary is in foreclosure because my e has not paid i asked why no one told me they were not getting paid i was told because my x mailing address was in the system i said my name is on the account also and i have a right to know whats going on. Last year you took the money from my account so why did you not do it this time. Got no answer. They sent me letter telling how far it was behind. So i asked you found me to tell me when it got so far behind but you could not tell me in the first. Now they are trying to foreclose on this two Consumerfinanc.gov | ||||||
| 09/13/2022 | Yes |
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Web | Servicemember |
| This account, Ending in XXXX was on my account. I asked the credit bureaus to change the status from open to closed. They choose to delete it. When I told them what they did, they informed me Navy Federal must re-report the information. I called Navy Federal. Requested they re-report the information. They said they would not do so because I am an authorized user, not the primary holder. I do not need to see any statements regarding this account. The primary owner is XXXX XXXX, and I am an authorized, user. This account is old and under my former name XXXX XXXX. I called Navy a second time, in XX/XX/XXXX. They sent me the attached letter proving that I was on the account. They still refuse to re-report the information. This needs to be put back on my credit report. Navy Federal will not work with me, or give any information, making this impossible. This account was opened around XX/XX/XXXX, and I was removed in XX/XX/XXXX. There were no late payments in that entire time frame. Please feel free to ask Navy Federal about this account. They will tell you they can't find it but if you continue to argue they will " magically '' find it. There are plenty of notes about me calling in and requesting that they re-report it. The department I spoke to was credit card services. They sent emails to their credit specialist and were waiting for a return email. Feel free to ask to read the notes in both departments and read the emails. They are there even if Navy says they are not. | ||||||
| 05/30/2018 | Yes |
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Web | Servicemember |
| In XX/XX/2012 I was made the POA for my elderly father. My father had credit cards with XXXX and Navy Federal Credit Union. I contacted them and provided them with copies of the POA documentation and asked that I be added to his accounts in the capacity of POA since he was no longer able to pay his bills and make decisions. I had complete signing and decision making for all of his affairs. In essence I was basically him. I was unaware that prior to coming to live with me my father had taken out a student loan in California that he defaulted on and they began to garnish his pension. As a result he was unable to continue to make payments on his credit cards because they were taking a considerable amount to repay the federal student loan. So XXXX and Navy Federal decided to add me as a joint owner and on after me and my assets for repayment. I was never a joint owner I never signed to be a joint owner or gave my permission. The cards are now charged off and they have added these to my credit profile. I have tried to dispute through the credit bureaus and I am unable to get these removed. They are preventing me from purchasing a house and I have tried to resolve with no success. I need assistance in getting them to remove items that should have never been placed on my credit profile. Can you please assist me with this. I have included a copy of the POA. I also found the email from them acknowledging the POA and they also made us fill out their form and get it notarized | ||||||
| 08/09/2021 | Yes |
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Web | Servicemember |
| A credit card in my name with NFCU, and my husband as an authorized user is the card in question. A settlement amount was agreed upon and I paid this amount in full. I received an email from NFCU confirming payment in full and conversations with reps at NFCU confirm paid in full as well. The problem is the GIANT RED BOX placed at the top of my account page " for information purposes, not to collect a debt ''. The GIANT RED BOX takes up 1/3 of the screen on mobile and can NOT be closed on mobile. I've sent a secure message asking this question, called the credit card department, the resolution department and technical department. I've been transferred multiple times and two people said they could re-enter the debt was paid in full and settled to see if the alert would be removed. It removed the alert for that day but it returns in the morning. This would require a daily call to NFCU reps to have the alert removed. XXXX in the " technical '' department told me this alert would remain on my account forever since the card was part of a bankruptcy. He said this was " in compliance ''. I've never filed bankruptcy and I settled this debt, paying in full. I refuse to believe each day when I open my bank account I must stare a red exclamation and box covering 1/3 of my mobile screen. To date not a single person has been able to describe the compliance code they are following or how to remedy this issue. This red box removed, permanently, is my request. Thanks, XXXX | ||||||
| 12/12/2017 | Yes |
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Web | Servicemember |
| I have no contract with Navy Federal Credit Union regarding this alleged car loan debt acc # XXXX that is on my credit report that I never took out with them. I never signed a promissiory note that bears my written signature or gave Navy Federal written consent to the alledge auto loan that is showing up on my credit report to all three bureaus. Navy Federal can not hold me responsible for a debt I never took out with them nor sign a promissiory note. So, I want to know why is it on my credit report when it was my spouse loan to begin with when I never signed any agreement with Navy Federal regarding the loan on my credit report that is showing charged off and closed. If Navy Federal can provide me documentation according to pursant to 15 USC 1692g Sec. 809b of the FDCPA. I am respectfully request that your offices provide me with competent evidence and that I have legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of three major credit bureaus this action might constitutes fraud under both Federal and state laws. Due to this fact if any negative Mark is found or continues to report on any of my credit reports by your company or company you represent I will not hesitate I bringing legal action against you and your client for the following violation of the fair debt collection practice act and defamation of character. Please remove this alleged debt from my credit reports. | ||||||
| 09/23/2022 | Yes |
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Web | Servicemember |
| On XXXX XX/XX/XXXX I contacted the CEO of Navy Federal Credit Union via email to request that she review my account and allow me to reestablish a credit worth relationship with the bank. She agreed and I was allowed a new account, clean slate and a fresh start with the credit union or so I believed. On or about XXXX XX/XX/XXXX I applied for a credit card and a refinance of my mortgage ( I was denied for both ). When I received a response from the credit union in the mail as to why I was denied for both, each letter stated that I had previously caused Navy Federal a significant loss. The reasons for denial were not the usual, your debt to income ratio is too high, credit card balances too high or you do not meet credit score requirements for these products. For the record at the time of applying my score directly from the bureaus were XXXX, XXXX and XXXX. I sent XXXX XXXX another email on XXXX XX/XX/XXXX requesting that she have a senior executive research what had happened and why the response of denials. Three executives from NFCU contacted me and I ask via phone and email " if I was not going to be allowed a totally clean slate and have access to all the NFCU products why give me a new account? '' None of the executives could answer that question so I sent XXXX XXXX another email requesting info on why I was given a new account with conditions and not a regular savings and checking account and to date neither the execs or XXXX XXXX have responded in any format. | ||||||
| 11/08/2019 | Yes |
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Web | Servicemember |
| I requested a 5 year amortization. Navy Federal Loan Officer XXXX XXXX refused to let me have a 5 year amortization and insisted I could only have a 15 year amortization. Navy Federal also had a promo he pretended not to know about. I submitted a complaint and requested a different loan officer. Navy Federal equity loan department did not honor my request and did not assign me a new loan officer. For over 2 weeks their dept. has kept it as the original loan officer XXXX XXXX. I called again on XXXX and spoke with a Supervisor in the equity loan dept. named " XXXX '', number XXXX. XXXX also did not switch me to a loan officer. Instead of complying with my repeated request for a new loan officer to be assigned, he kept talking to me about me submitting paperwork. He continued to argue with me that I should return the loan application paperwork, and continued to not assign me a new loan officer and now I am filing this complaint. XXXX XXXX should be fired for trying to deny me the promo, and not signing me up for the promo as the notes on my application stated I wanted. He also tried to bully me into a 15 year amortization instead of 5 year amortization. Navy Federal specifically told me on the phone that I could have a 5 year amortization, and he tried to deny that. XXXX, should also be fired for arguing with me about loan paperwork and trying to convince me to return loan paperwork when he was not complying with my request for a new loan officer to be assigned. | ||||||
| 04/26/2023 | Yes |
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| On XXXX XX/XX/2023 I made two payments in the amount of {$110.00} and {$200.00} to my XXXX XXXX cards. The funds were to be withdrawn from my Navy Fed checking account. On XX/XX/2023 when the funds were presented I didnt have enough to cover both transactions so I was charged {$29.00} for Insufficient Funds twice. Once I discovered I didnt have enough to cover on XX/XX/2023 I immediately deposited {$300.00} into my account. which brought my acct to {$290.00}. XX/XX/2023 The {$110.00} was represented. on XX/XX/2023 When I looked at my account again I realize I didnt have enough to cover the {$200.00} so I deposited {$45.00} which brought my account to {$220.00} on that same day Navy Fed charged me with another {$29.00} Insufficient Funds fee however my account had enough money to cover the charge. On XX/XX/2023 I deposited another {$100.00} in my account which brought my account to {$290.00}. On XX/XX/2023 Navy Fed yet again charged my another {$29.00} Insufficient Funds. I accept that at first I didnt have enough to cover my transaction, however I attempted to correct the issue by making deposits. As a consumer who have limited funds and attempting to pay my bills on time, it was disheartening to see {$110.00} being deducted from my account. How am I able to have enough if the bank continues to charge multiple Insufficient Funds for the same transaction? I believe this unfair to the consumer and its really causing me mental distress and other emotional issues. | ||||||
| 11/26/2019 | Yes |
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| On XX/XX/2019 my checking account with Navy Federal was compromised and an ACH transfer in the amount of {$2500.00} was completed without my knowledge or authorization. As soon as i was aware of this i reported this to my bank and created a claim which was submitted on XX/XX/2019. I was informed that within 10 business days i would be contacted by an investigator who is working on the case. It has since been 13 business days and i have not been contacted by anyone from the organization. After following multiple times and again today XX/XX/2019 i was told that they are just backed up and no one will be able to give me any updates or a time frame of when my case will be completed. They've acknowledge that it is past the time that an update should've been provided but can't give me one. I was told that i will not hear from anyone until this is completely resolved, i still have bills and financial obligations and not knowing when to expect this to be resolved is causing lot of grief and stress to my family. I need to have an update or to be sure that the case is being worked. The funds were transferred to a XXXX XXXX account and they have the information. I don't know what else they are waiting for. I'm unable to speak to manager when i request one so this is my next step to ensure that something is being done to resolve this. I'm not having a XX/XX/XXXX this year but hopefully this can be resolved soon so my family can at least have a XX/XX/XXXX and avoid eviction. | ||||||
| 07/14/2018 | Yes |
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| Three years ago we began receiving debt collection phone calls to our new landline, XXXX. We finally learned, about a year ago, from repeat caller ( s ) debt was ( is ) owed by XXXX XXXX or XXXX ( unsure of spelling ) to Navy Federal Credit Union ( NFCU ). I am a long-time NFCU member in good standing. I contacted NFCU customer service XXXX and XXXX XXXX XXXX CEO of NFCU via corporate email requesting the debt collection harassment cease. I was told by customer service, XXXX XXXX had read my email, the debt collection attempts were made 'in house ' and that they would stop. We receive two calls a day from XXXX for XXXX XXXX or ( XXXX ). My spouse has repeatedly explained they have the wrong number. I have stated I would file complaints against the caller. The Debt Collector 's caller refuses to name the company they represent or provide any information supporting the legitimacy of their claim. On XX/XX/2018 I, again contacted XXXX XXXX XXXX CEO of NFCU using my email account. I, again contacted NFCU Customer Service. I answered the Debt Collector 's call and demanded details for his call including the name of the company he was representing. He stated he would not divulge any information and that 'we ' dialed the wrong number and would remove our number from his list. We've heard all this before ; as in over the past three years! I want the name of that debt collection company. I want monetary compensation for my time, aggravation and continued harassment. | ||||||
| 11/19/2022 | Yes |
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| ACCT # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ) Breach of trust {$500000.00} liability surety tax. subsection c laundering of money under USC 1956, civil rights act 1983, and trespassing. according to ( 26 USC 7201 ) states : Any person who willfully attempts in any manner to evade or defeat any tax imposed by this title or the payment thereof shall, in addition to other penalties provided by law, be guilty of a felony and, upon conviction thereof, shall be fined not more than {$100000.00} ( {$500000.00} in the case of a corporation ), or imprisoned not more than 5 years, or both, together with the costs of prosecution. Tax owed by taxpayer {$58000.00} USD for constitutional violation acting in their personal capacity for violation against a flesh and blood man/woman, malicious prosecution based upon fraud, deception on bonds, 1099A, 1099B, 1099OID Original issue discount Forms 1040. violation of 1983, 1985,1964 civil rights Acts. stealing Federal funding 40 % of taxpayer money and putting it in a private CAFR Account and Embezzlement. The tax forms 1099A, 1099B, 1099C, and 1099OID, were filed with the IRS on XX/XX/XXXX. Also, I have them mailed out a check for full payment of {$58000.00} to ally that was delivered to the on XXXX XXXX After all, the discharge has been refused I then exercise my private right to rescind the transaction on XX/XX/XXXX, XXXX via overnight mail. USPS XXXX XXXX [ 15 USC 1635 f ] - right to rescind the contract | ||||||
| 09/14/2021 | Yes |
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Web | |
| Hello I applied for a Mortgage loan with Navy Federal Credit Union. I qualified with credit but they stated that I have excessive high balances which denied me. I have 2 XXXX XXXX Cards at {$0.00} balance. I have 2 XXXX XXXX cards with {$0.00} balance. I have 2 XXXX XXXX cards with {$0.00} balance. My XXXX account was paid off two months ago. I have a XXXX XXXXXXXX XXXX credit card with a {$0.00} balance. I have a Navy Federal Credit card and I charged {$4700.00} from XX/XX/XXXX - XX/XX/XXXX and as of XX/XX/XXXX I have a {$2000.00} balance. Outside of that I have 2 auto loans that has a {$6600.00} balance and {$9900.00} and I have paid a total of {$48000.00} total between those loans since XX/XX/XXXX. I think that I have proven that I am economically viable and an excellent creditor. I am not sure what they are seeing but I do not carry balance on my cards and they only reason I am carrying a balance with the Navy Federal Credit Union credit card is because I am trying to build a relationship with them. They have access to my accounts and see weekly to bi-weekly deposits being made with no MISC spending habits. I would like for my application to be reviewed and my credit to be properly considered for the loan or prove to me where my excessive balances are that you use to deny me. If you look at all the supporting pictures even the {$230.00} balance that was just charged for XXXX has been paid just has yet to reflect to the account because it was done XX/XX/XXXX | ||||||
| 07/29/2015 | Yes |
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Web | |
| On XXXX XXXX XXXX, I purchase a ticket from XXXX XXXX via online in the amount of {$350.00}. Unfortunately, the ticket was not issued to the passenger so the passenger had to purchase the ticket using her own debit card. I then contact Navy Federal Credit Union, and talked to customer service, then was informed to contact the merchant, XXXX XXXX regarding the charges. Apparently, I contacted XXXX XXXX and talked to the agent. He informed me that there was no payment that was made due to the ticket not issued. On XXXX XXXX XXXX, I contacted Navy Federal Credit Union, and talked to XXXX, Supervisor regarding payment that was made to XXXX XXXX since my checking account showed a minus. I tried to explain to her about the matter between XXXX XXXX and Navy Federal Credit Union. She informed me that XXXX XXXX needs to provide me a letterhead to Navy Federal Credit Union to say not going to pay funds. I told her that is not what I was told in the first place, and that I was going to file a complain with CFPB, and she said go ahead and make sure my name is spelled correctly. This was uncalled for as she was negative and unprofessional including rude talking to a customer that has been with Navy Federal Credit Union for years. Again, I contacted XXXX XXXX and talked to the manager and was told that a letterhead does not need to be provided and that does not change because I was not charged for the ticket. I need to contact the Navy Federal Credit Union letting them know. | ||||||
| 08/30/2022 | Yes |
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Web | Servicemember |
| Navy Federal offered a switch to a rewards card earlier this year where I was going to get points rather than cash rewards where the cash rewards card reflected a 5.99 % interest rate based on SCRA benefit ( I signed up for the cash rewards card about XXXX or 3 months after I became an XXXX XXXX military member ). I have received a new card thinking that the same SCRA benefit would be applied to my new card since XXXX XXXX has my information in their system but it was not that case. My first attempt to get the benefit applied began at the end of XXXX of this year to which no one responded. My second attempt happened on the phone in XXXX where a representative apologized and told me to try again with my service information in order to process the request. My second attempt also failed. Third attempt at calling them out on XXXX did not get any response so I filled out a form online to submit my information again to which a response was made. Bottom line is that they rejected my benefit stating that I am ineligible to receive the benefit on the current credit card because of the lending product opened during XXXX XXXX period ( which is now ) and that any debt accrued during a current or previous XXXX XXXX period is not entitled to have benefits applied. I received my first credit card during current XXXX XXXX period ( which started on XXXX XXXX XXXX ) with the benefits, and have other products through other institutions where XXXX has been applied. Please help. | ||||||
| 12/15/2021 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I sent a letter to Navy Federal to which they received it on XX/XX/XXXX asking for validation of the account. Navy federal failed to respond appropriately to the dispute and even went as far as to take money out of the account, which I had no knowledge of, even though the dispute stated that all collection shall cease until this gets resolved. Due to them taking the money out of the account in the amount of {$10.00}, Navy Federal Re-aged the alleged debt on my credit report which dropped my score significantly by XXXX points. This is a violation of the Fair Debt Collection practices Act. 15 USC 1692e ( 2 ) ( a ), see -- -- XXXX XXXX XXXX XXXX ( 2005 ) On XX/XX/XXXX Navy Federal Sent me an Email, That's it an Email, They failed to send me the things I asked for according to the Debt Validation. so on the XX/XX/XXXX and they received it on XX/XX/XXXX. I sent them a Notice of fault and opportunity to cure to which I gave them notice that if they didn't respond is an administrative judgement. Navy Federal has failed to do a proper investigation and I feel very violated as an consumer and the original creditor, because I even stated in the letter that banks can't lend money and Because Navy federal won't give me within the time allotted, I will be seeking litigation for damages. This has caused me XXXX and Anxiety due to them not complying and Violating my rights under the Fair debt collection practices act and the Fair credit reporting act. | ||||||
| 02/03/2020 | Yes |
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Web | Older American, Servicemember |
| NAVY FEDERAL CREDIT UNION AND ITS NON EMPLOYEES WHO'S NAME WAS XXXX FROZE MY XXXX OVERDRAFT ATTACHED TO MY CHECKING ACCOUNT THATS IN GOOD STANDING WITHOUT GIVING ME PRIOR WRITTEN KNOWLEDGE THAT MY OVERDRAFT WOULD BE FROZEN AS THE LAW REQUIRES. XXXX ALSO OECN XX/XX/XXXX AT XXXX INTO THE NEXT MORNING SAID HE DIDN'T WORK IN COLLECTIONS WAS DEMANDING I PAY FOR ANOTHER ACCOUNT OR MY GOOD STANDING ACCOUNT WOULDN'T HAGE MY OVERDRAFT PROTECTION. THATS NOT WHAT MY INITIAL CHECKING TERMS AND AGREEMENT STATES ..NFCU also on my online still had my checking account XXXX and some cents after I made a deposit of XXXX Today at XXXX XXXX on XX/XX/XXXX on my online account nor the date or error was updated but XXXX still accepted my XXXX bringing my account current and positive. XXXX was rude and my fiance tried to explain but he said he'd have to have the entire XXXX paid also in the positive causing me another financial hardships. Also I wrote the President of NFCU she transferred my account to Collections when nor my loan or checking account they opened without hesitation because I've been a good member and customer since XXXX. This has caused me to have to borrow money from family and friends therefore causing embarrassing situation that wasn't necessary. Only if they hadn't froze my account if I have to I recorded the violations XXXX the supervisor stated in our conversation. I was never contacted in writing or told by telephone as the law requires to collect a debt. | ||||||
| 11/30/2021 | Yes |
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Web | |
| I am a consumer and natural person. Navy Federal credit Union is in violation of the following Federal laws : Fact, affiant is aware and has proof pursuant to 15 USC 1611 that Navy Federal Credit Union is criminally liable for violations of 15 USC 1605 and 1666d as it led me to believe that I am responsible for paying cash for the balance on the XXXX XXXX account. Navy FederaXXXX has accepted cash payments from me. Fact, affiant is aware and has proof pursuant to 15 USC 1605 that a finance charge is the sum of all charges. A finance charge was involved in the consumer credit transaction I initiated when opening the XXXX XXXX account. Fact, affiant is aware and has proof pursuant to 18 USC 8 that I am not responsible for any financial obligations to Navy Federal Credit Union. Fact, affiant is aware and has proof pursuant to 15 USC 1666d, that Navy Federal has failed to credit my XXXX XXXX account with the finance charge involved in the consumer credit transaction I initiated upon opening this credit account on XX/XX/2021. Fact, affiant is aware and has proof pursuant to 15 USC 6802 that I have the right to opt out of the sharing of my nonpublic personal information with third parties. Fact, affiant is aware and has proof pursuant to 15 USC 1602, my XXXX XXXX account is an open-end credit plan. Fact, affiant is aware and has proof pursuant to 18 USC 1341 and 1343 that Navy Federal has devised a scheme to obtain money by means of fraudulent pretenses. | ||||||
| 08/17/2023 | Yes |
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Web | Servicemember |
| NFCU was working with me at a time while working, recovering from XXXX XXXX XXXX and returning from a leave of absence on XX/XX/XXXX at my work. I was diagnosed with XXXX XXXX XXXX by the VA during that time and had many appointments and therapy resulting from conditions aggravated or beginning from the XXXX time period. Come to the payments for my home for XX/XX/2023 and I was unable to keep my agreement for half payments due to curtailment of income from illness and lack of work hours from said illness and appointments. Then a sudden trip to the emergency room to discover another underlying illness exacerbating the pain from an illness I am scheduled for XXXX for. Working with NFCU since late XXXX when NFCU escalated the loan to demand remedy, the only option presented was short sale, not an offer of special forbearance or any other method. The foreclosure is set for XX/XX/2023. The examiner for the mortgage loss has repeated asked me to have my employers XXXX and my VA XXXX XXXX XXXX unethically change the return to work date to a longer period before the first exam after the XXXX. My employer requires release to work to be determined by the XXXX XXXX XXXX XXXX has to review me after the XXXX to confirm I can go back to work or extend the leave at the time of the first XXXX XXXX appointment. I have not had this requested on my prior XXXX with this same loan. I have not ever experienced this unethical behavior with either of my XXXX prior home loans. | ||||||
| 01/19/2017 | Yes |
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Web | |
| On or about XX/XX/2016, I contacted Navy Federal Credit Union to be prequalified for a VA mortgage. Based on the answers to the questions they asked, I qualified for the loan. After locating a home, I began the process of securing the loan. After all of my documentation was submitted to Navy Federal Credit Union, the loan was on track to close but then was supposedly denied due to non-traditional income because I am a truck driver. I am paid by the mile not hourly. I do not work for myself but receive a XXXX from my company. The Navy Federal Credit Union representative I was working with told me that I was turned down for the VA mortgage but they could switch me to a conventional mortgage. I asked for a letter stating there determination and reason but have not received one. Going conventional meant the interest rate went from 3.375 to 5.5 for a 30 year fixed rate mortgage. Virtually doubling the rate. Needing to close the mortgage because we were already living in the home, based on Navy Federal Credit Union assurances we would close in XX/XX/XXXX then XX/XX/XXXX, after switching to conventional, we finally closed XX/XX/XXXX. I do not feel that I was treated fairly, after consulting with other lenders and that Navy Federal Credit Union should have been able to determine my eligibility for the VA mortgage before having me invest a tremendous amount of time in the process and moving into the home based on their assurances. Sounds like bait and switch to me. | ||||||
| 07/01/2015 | Yes |
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Web | Servicemember |
| I went to XXXX Kia in XXXX XXXX, VA to find a new vehicle. My vehicle, XXXX Kia Forte financed by NFCU with a balance of {$6800.00} was in an accident and the insurance company delayed payoff. I am pregnant and need transportation. The dealership sold me a XXXX Kia Sorento and told me they would pay off my trade-in and that my total cost out the door would be {$22000.00}. I did not understand what was happening. Navy Federal provided me a blank check that I wrote out for {$22000.00}. I thought the dealership was going to pay off my trade-in as they had stated. The Dealership did not pay it off. The dealership documents did not show the negative equity on the paper work. The dealership wrote up XXXX deals. On XXXX they said they were giving me {$1500.00} as a down payment to help me. On the other they did not have the down payment. On XXXX they indicated that there was no negative equity and the balance due at delivery was {$22000.00}. I recorded the conversation at the dealership where they said what the actually did. I was pre approved for the new car loan by NFCU for up to XXXX. The paperwork from NFCU indicated that my max loan amount could not exceed XXXX and that it would be in addition to the existing loan balance of {$6800.00}. The print from NFCU is really little and it did not make since if the dealership was going to pay off the trade-in in full. The dealership indicated that NFCU would not take checks on NFCU to NFCU loan purchase and trade-ins. | ||||||
| 07/30/2023 | Yes |
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| Its been over a year. For one it took for me to complain here in order to get a response from them. After complaint for months trying to see what was going on and why they denied claim and there evidence they responded to they use a system to verify thats not good enough I need answers because this is a lot of money and Im having to pay this back when the money was already took from me in the first place. Ive recently received information on who compermised my account I have text messages of the owner of the company admitting to her employee stealing from me yall gave me my money back and took it back thats y she thinks I got paid back this is annoying and Im ready for a lawsuit at this point made me loose my home and XXXX my kids stressing over money thats been wrongly taken from me Ive filed a police report what more do they want charges and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like this was not me Ive submitted proof of days I know for a fact I was occupied unable to get out and make transactions and they still denied Ive reached out to the merchants and asked about the purchase on my card with the last ending 4 of it and theres no account for me there I contacted a place that was high in they require u to show Id and scan when purchasing I request the id scan there was none like what investigating did they do I want my account back I had a good amount of money going in and I want my money | ||||||
| 07/01/2021 | Yes |
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| I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well. | ||||||
| 07/13/2023 | Yes |
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| XXXX. The first incident took place at my work place, my debit card was taken without permission or consent by an employee who was making multiple unauthorized transactions without my permission, the Dates of the transactions were XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, the credit was awarded to me than it was taken back. " I've filed police report for both incident, a complaint letter notarized by the clerks office. and Navy Federal Affidavit of forgery " XXXX. The second incident happen when I was making a {$20.00} Dollar withdraw from the atm at a XXXX, I pulled my debit card out after receiving the funds and realize my chip was scratch, assuming there was a skimming device in the atm, I crush my card together and threw it In the trash at the store, I left that day for my flight, day later when I'm returning I go back to use my account I realize there had been {$10000.00} cent missing from my account from multiple different XXXX across New York, I immediately called navy federal to cancel my debit card, after submitting a fraud claim navy federal has refused to give me my funds back and have gave me a difficult time and argued with me and the funds were for the purchase of my vehicle to go to work, I had to call my sister to purchase my flight back for me fast forward today navy has blocked access to my debit card and has not returned none of the funds and I'm still not able to purchase my car, I need this resolved immediate please and thank you. | ||||||
| 06/15/2023 | Yes |
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Web | Older American, Servicemember |
| aprox 3 weeks ago I contacted a navy federal rep to give me an answer regarding why payments and reporting was not being done correctly also to explain to me the increase in interest charges. I got a very rude lady who used many XXXX slurs on me and when I called to complain by secured messages I was jumped on by the reps supervisor which led to THEM CLOSING MY ACCOUNTS. I tried again and again to try and speak with a neutral party in an effort to resolve them up to XXXX. I have been a good member since 2019 and expected better than this type of behavior. on XX/XX/XXXX they realized the error in closing my accounts without full paid off and sent me a come on you don't really want to close your accounts with us? After receiving this letter I once again tried to communicate with them only to be blocked from any further communication with them. I called a rep once again and she refused to help me at all and when I ask for there legal dept I was hung up on after waiting 45 minutes on hold. Finally I lashed back at them and basicly told them to stuff it as they wanted me to do. These events have turned me into something I am not but after there employees treated me with hate and refused to settle the matter they wish me to give them an external account that they may openly debit. I called all parties in my two remaining banks and they refused to let me do this and that includes XXXX XXXX. They are pushing me into default with no means of settling the matter | ||||||
| 05/03/2021 | Yes |
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| In XX/XX/XXXX I co-signed with my granddaughter for a new XXXX which we financed through XXXX XXXX. On XX/XX/XXXX my granddaughter refinanced the vehicle with Navy Federal Credit removing me as a co-signer. The account at XXXX was never paid off. I have a copy of the check from XX/XX/XXXX which the check was made out to XXXX and my granddaughter. This caused me to have a late fee and a 30 day late on my credit as I was not notified of this not paid as I assumed when she refinanced that it was paid off. I found out about this when I received a call on XX/XX/XXXX at night telling me that the account with XXXX was delinquent and I paid them in the amount of {$560.00}. I told them it was refinanced and XXXX signed for the documents but XXXX does not know who that was. They finally said they received the check on the XXXX and it cleared on the XXXX. I have been trying to get proof of the loan being paid off but they said they could only mail. This is a big issue as I am elderly and on a fixed income. I have never paid an account late and now i have lates on my credit and I am in the middle of purchasing a home which we have had to delay closing due to this and I am going to be homeless if this is not taken care of as well as it is affecting my credit score which could affect my rate. This is so upsetting as because they didn't take care of their business and ruining my credit and just has had me so nervous and upset I can't sleep. I really need some help. | ||||||
| 05/27/2020 | Yes |
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Web | Servicemember |
| Global Corona pandemic and Navy Federal credit union REFUSED to release my COVID-19 stimulus payment! After 2 frustrating calls to their call center explaining my XXXX son and needed the funds release for food, a supervisor NAMED XXXX RUDELY HUNG UP ON ME before falsely accusing me calling her lier ; ALL ON THEIR RECORDED LINES!! After the first rude disconnection and her ( XXXX ) refusal to release my funds into my account ; I called back requesting another supervisor to collect names and chain of command complaint contact information. Coincidentally, XXXX answered the second supervisor escalation also! Unaware she was THE RUDE/CURT supervisor whod previously hung up on me before identifying herself ; Id asked her to check previous digital call log and provide me with names of parties involved. She proceeds and then confirms she was the RUDE/CURT supervisor whod disconnected!! XXXX went on to falsely give me inaccurate time stamps of the previous call, which I brung to her attention and reminded her the call was being monitored ; and that Id never called her her lier as shed accused!! XXXX then falsely claims shes being badgered ; I then asked if she was XXXX as situation didnt warrant any other plausible reason for her refusal to do her JOB!!! Which was to release the pending funds into my account. XXXX then rudely hung up on me AGAIN, leaving my XXXX son and I HUNGRY!! I wish for call logs to be reviewed and XXXX to be FIRED FOR DISCRIMINATION!! | ||||||
| 12/13/2023 | Yes |
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| XXXX XXXX : After completing three home equity loans applications with NFCU, I have come to the conclusion I am not being treated fairly and this apparent discrimination seemed apparent after the second application was filed. The first was with my husband, who has a previous bankruptcy on his report. I do not. My husband also has a HELOC, I do not. I was told about this and that I should complete another application without him, which I did. My credit was approved, but I was told UW denied my application based on items that are in my husband 's file and then made invalid comments that my file with other institutions was not satisfactory. Upon hearing this I requested a re-consideration and later completed yet another application. I was told by the loan processor they could not get my credit report and could not move forward with the loan. This is ironic since the prior two applications did not have this problem. Additonally, I never heard from the person and supervisor I sent the reconsideration to. Prior complaint : This is the second complaint that I've filed against NFCU. The first dealt with a negative remark on my credit report although there are no late or missing payments. Yet NFCU placed a comment that reads " derogatory '', but only on a third party credit reporting agency and not the three main credit report agencies. The response to CFPB is that they will not remove correct data, however, THEY DID REMOVE THAT COMMENT THAT READ DEROGATORY,. | ||||||
| 12/24/2021 | Yes |
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| Navy Federal Credit Union unexpectedly closed my entire access to my accounts, due to one account ( checking ) being delinquent. I have no access to all my accounts that have been current, including my mortgage. I was told to call a " security specialist ''. I called the specialist and was told I was banned from Navy Federal and that I will have no online access to any of my current accounts. They are utilizing strong arm tactics and unusual tactics to make it hard to make payment on all my current accounts to include my mortgage ( a VA loan ), which I have never been late on. Navy Federal is failing to follow the 2016 order listed below : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-navy-federal-credit-union-pay-285-million-improper-debt-collection-actions/ Specifically from that order and is my situation : " Illegally froze members access to their accounts : The credit union froze electronic account access and disabled electronic services for about 700,000 accounts after consumers became delinquent on a Navy Federal Credit Union credit product XXXX This meant delinquency on a loan could shut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts. '' Navy Federal needs to allow access for me to access my information to all my accounts online. They are not following the 2016 CFPB order. | ||||||
| 08/25/2021 | Yes |
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Web | Servicemember |
| I was laid off in XXXX and was having issues making payments exactly on the due date to my Navy Federal Credit card. After being about 15 days late, Navy Federal took money from my checking account to satisfy the credit card. That caused all my other bills to bounce and required me to pay an enormous amount in insufficient fees. Ultimately, Navy Federal froze my account. I still have a Line of Credit balance attached to the checking account. Navy Federal makes it extremely difficult to make the payment to that line of credit. If I pay online or automated by phone, it appears that the payment is set up and then a few days later the ACH is rejected. If I speak to a customer service representative, they set up the payment and it is rejected. It is certain customer service representatives that have experience with this situation that know how to get the payment to actually take. Recently, I was 25 days late and on XX/XX/XXXX ( the day I got paid ) I called and made a payment. I asked the representative if he knew how to get the payment to my Line of Credit and he assured me that he did. Today on XX/XX/XXXX, I got an auto-generated email stating that the ACH was canceled. The account is now 31 days past due and will be reported to my credit. It is not my fault that that Navy Federal representative doesn't know the process and lead me to believe that my payment went through. I had to call back 2 times today to get to someone who can understand my situation. | ||||||
| 12/08/2020 | Yes |
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Web | Servicemember |
| I noticed money was out of my account and quickly called my credit union 2-3 months ago. I realized some people took money from my account using XXXX XXXX, requested my debit card limit to be increased and applied for a loan in my name. I didn't get any notification or letter that these changes happened.They gave me steps on how to freeze my credit and stated that they would put in an application to the loan department saying I was a victim of fraud and request that I dont have to pay for the balance. They said I will get a call when the process is completed. Today, I received a letter stating the balance is pass due and that they are taking {$640.00} out of my savings/checking account. I called the loan department using the number the paper. The representative told me that the bank never contacted them, but they see the documents in the system stating I did report fraud. They called the bank and said that the application was denied because I could have gave somebody my information and had them call to set up a loan. I am an emotional wreck. When this first happened I was about to move out my sister house, but I couldnt becuase I didnt have the money for the deposit of the apartment. I just moved in with a roommate two weeks ago, becuase I thought everything was going fine. To hear that my case wasn't even looked for months and then denied after I did a followup is crushing. I need help, they want me to pay {$7000.00}. I dont have that type of money. | ||||||
| 04/10/2018 | Yes |
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Web | Older American, Servicemember |
| We changed homeowner insurance companies in XX/XX/XXXX. Navy Federal was notified immediately. The annual premium for the new company was paid in full by me, by check, check # XXXX, at the time the new policy was taken out. Navy Federal, however, went ahead and paid the old company a new annual premium after being notified that we were not going to renew the policy. I notified the old company that the refund should be sent to me since I had paid the premium in full for the new policy. I sent Navy Federal a copy of the canceled check proving the payment in full. They feel the refund from the old insurance company is theirs to keep and I was out of line to claim it. I have requested an escrow analysis. I keep getting verbal analysis that change daily. Friday, XX/XX/XXXX, I had a surplus of {$360.00}, today, XX/XX/XXXX, I have an overage of {$39.00}. ( Nothing has been paid out. ) How does it fluctuate so dramicatically? ) When I question that, I am told that they are not going to talk to me because I am being unreasonable. I don't think it is unreasonable to try to understand where {$300.00} went in 4 days when there were no expenditures! This is the second complaint of this mortgage division in three months. Do you think we are being singled out? I have furnished copies of tax statements, cancelled checks, invoices, etc. I have faxed, emailed, and scanned and submitted on their system. They claim they have not received them. They processed the checks. | ||||||
| 08/01/2017 | Yes |
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| Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested. It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00} | ||||||
| 12/05/2016 | Yes |
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| I called Navy Federal per my agreement with them since my bankruptcy that I would keep making my monthly payments to keep my home out of foreclosure and was catching up bit by bit. They told me I 'd get a letter accelerating the balance but they would n't send it to attorneys as long as I completed their borrower 's assistance packet which I returned to them via mail & they confirmed receving it. I have made every payment faithfully except in XX/XX/XXXX I was unable to reach their Loss Mitigation Department who is the only person that will process my payment. I was out of the country and called as soon as I got back to make two payments and that 's when I learned they hired their lawyers after receiving my response packet. I 've made XXXX payments in the last 120 days and am under a Federal Home Loan Modification. I 've told this law firm that and they said " well you have no rights to see a judge so we 'll just foreclose anyway unless you pay the full balance today. '' I do n't have the full balance of my mortgage. I returned all of the borrower 's assistance documents to Navy Federal in XX/XX/XXXX and never received any response from them. When they got my paperwork apparently they just hired this crooked law firm to throw me out. I have gone XXXX over the mortgage and I request an investigator be assigned to look into this. I told them I dispute the debt because to foreclose now is illegal they just said to e-mail them but it wo n't stop anything. | ||||||
| 10/19/2022 | Yes |
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Web | Older American, Servicemember |
| Paid off my closed credit card on XX/XX/XXXX via a real estate settlement check. On XX/XX/XXXX I noticed online that the payoff was an overage in the amount of {$160.00}. Therefore I request NFCU to transfer the overage to my checking account. The response was that there will be a " 14-day hold '' on the credit balance, AND that interest would be charged. This is the response : " Please keep in mind that balance transfer interest is charged from the date of the transfer until the balance transfer is paid in full. Interest will be charged for the balance transfer balance from XX/XX/XXXX through XX/XX/XXXX on XX/XX/XXXX when your next statement is issued. '' My request had nothing to do with credit card balance transfers! The credit card was a NFCU credit card that was closed years ago. The payoff was more than was due so there was an overage. I only wanted the overage credited to my checking account. As of today the overage minus their interest charge remains on a closed credit card account. On XX/XX/XXXX an interest charge of {$25.00} was debited from the credit card overage! This was interest for an account with a {$0.00} balance as of XX/XX/XXXX. Furthermore, a new request for the transfer of the overage to my checking account had to be made after XXXX. I was not going to make a new request since the full amount of the overage had been debited for a {$0.00} balance. As of this date the " reduced '' overage remains in the credit card account. | ||||||
| 10/28/2023 | Yes |
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| For some back story, when on vacation in XXXX in XX/XX/, I was XXXX and had my phone stolen. Because I was under the XXXX XXXX XXXX XXXX they gave me, they had full access to my phone and all of the banking apps, and cards connected to XXXX XXXX. Along with taking Cryptocurrency ( long gone ) and transferring money via XXXX XXXX ( also long gone ), they made {$360.00} in purchases on my Navy Federal Debit Card via XXXXXXXX XXXX. They purchased XXXX gift cards, XXXX gift cards, and more before Navy Federal shut down my card for Fraudulent Activity. They also froze my Checkings Account for fraudulent activity. They did both of theses on their own before I reported the fraud myself. The next day I called Navy Federal and told them the full story and submitted a fraud claim over the phone. After about a month they denied my claim stating it wasn't fraud ( despite them freezing my card and account for fraud before I even told them to ). I appealed the denial and answered in detail all of their questions as well as provided screenshots of emailed receipts of all the fraudulent activity not only with my Navy Federal account, but my other banking institutions as well ( XXXX, XXXX XXXX, XXXX, etc ). They denied the claim once again, this time only saying " no pertinent information was provided. '' I have been a member with Navy Federal for 5+ years and for them to insinuate that I'm fraudulently submitting this claim for a mere {$360.00} is disappointing. | ||||||
| 09/29/2022 | Yes |
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| On XX/XX/XXXX I paid {$15000.00} to XXXX XXXX. The contracted amount I was supposed to pay was {$9000.00}. XXXX XXXX XXXX had contacted me on several occasions to say additional work needed to be done. However, in none of these instances did he ever provide a written estimate for the additional work he said was necessary as required by law. Furthermore, because I criticized and called XXXX XXXX out for verbally disrespecting me for calling to find out the status of my XXXX XXXX that he had for over a month XXXX XXXX told me he would only accept a cash payment. XXXX XXXX charged me {$6000.00} over the agreed upon contractual amount. This is the amount being disputed. My complaint is against Navy Federal Credit Union for mishandling this dispute. The dispute was filed on XX/XX/XXXX. On XX/XX/XXXX I received a message from Navy Federal to upload supporting documents for this dispute and I did so that day. I never heard anything more from Navy Federal Credit Union. On XX/XX/XXXX I accessed the NFCU website to check the status of the dispute. The screen read there were no open disputes. I called Navy Federal and spoke with someone in disputes. She read through the notes and informed me she saw my documents uploaded and she also saw that the dispute had been closed. She saw no evidence that I had been contacted or notified at any time by NFCU. There was never a temporary credit issued. Disputes have a limited amount of time to processed before expiring. | ||||||
| 02/18/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022 I made a deposit at a navy federal ATM inside a XXXX. This ATM was supposed to be owned by navy federal. It has navy federal badging and the navy federal logo is on the home screen. On that day I Deposited {$200.00} in {$1.00} bills into the ATM.. However, it only shows in my account a {$20.00} deposit. I called navy federal about the situation. They advised they would start a claim and it would take up to 10 days to issue a provisional credit. I advise that I provided documentation of the receipt to navy federal via my mobile app showing what I had deposited into the ATM. Still I was told there was nothing that could be done that this was a XXXX party ATM M.. I again expressed to the representative that it was not a XXXX party or a Co-Op ATM it was a navy federal AT was ATM I was then a in advice by XXXX a supervisor whom I spoke with on XXXX the XXXX at XXXX PM Eastern time that the ATM was a navy ATM Co-Op ATM. I express to XXXX now the story has changed initially I was told it was a Co-Op ATM then I was told they saw it was a navy federal ATM and then I was told no it was a combination of Both. Long story short navy federal has failed To make a diligent effort To rectify the situation. In summary I deposited {$200.00} was only credited for {$20.00}. It was. I provided the receipt from the transaction yet as Of this statement XXXX the XXXX I've yet to have a resolution. The atm is located at XXXX on XXXX XXXX XXXX XXXX, Florida | ||||||
| 07/11/2017 | Yes |
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Web | Servicemember |
| Navy Federal Credit Mortgage ( NFCU ) has been uncooperative from the beginning and is presently stonewalling my many requests for documents NFCU used to wrongfully foreclose on my home. NFCU states that I signed a " security interest '' in my home to my former spouse for him to take out a loan against my sole and separate real estate property, my home. NFCU wrongly foreclosed on my home and has repeatedly refused to provide to me any loan documents on my property as of XXXX 2017. I am a female veteran who NFCU has discriminated against. NFCU has also made misrepresentations that this supposed " security interest '' that NFCU claims I " signed '' exists. I went into the NFCU branch requesting a copy of the " signed security interest '' and NFCU stated " there was never a security interest document ''. NFCU could n't locate the document. NFCU also stated that they retain all documents for members mortgages. I 've asked NFCU repeatedly to put this information in a letter and they repeatedly refuse. It seems NFCU knows they wrongfully foreclosed on my home as well as participated in financial crimes against me with my former spouse, XXXX XXXX XXXX. They 're covering it up by lying to me and making misrepresentations to the CFPB. NFCU has no intention of assisting me nor providing any information on the illegal loan they gave to my former spouse. NFCU is using smoke, screens, and mirrors to assist XXXX XXXX in his mortgage fraud and real estate fraud. | ||||||
| 05/06/2023 | Yes |
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Web | |
| I wish to report that XXXX XXXX XXXX breached its contract and engaged in unfair trade practices in connection with my recent purchase of a XXXX XXXX XXXX. I believe they knowingly misrepresented the condition and history of their vehicles, which violates numerous state and federal laws. The listing for the vehicle advertised that it was in mint condition. However, less than 200 miles, I experienced engine issues. I immediately contacted XXXX XXXX, for help, but he was unhelpful and suggested I try another mechanic. I took the vehicle to a XXXX XXXX XXXX where the mechanic found major engine mechanical issues. The XXXX mechanic also found damaged parts that could not have worn down so quickly after the pre-inspection, suggesting that heavy engine oil was used to mask the problem. Furthermore, it appears that the mileage on the buyer 's contract does not match the original listing, which may be a violation of state and federal odometer tampering laws. Moreover, multiple complaints from other customers who have experienced similar issues have been posted on XXXX reviews. XXXX XXXX XXXX 's deceptive actions have caused significant financial harm to me and others. Therefore, I request that this matter be thoroughly investigated, and appropriate actions be taken to hold XXXX XXXX XXXX accountable for their actions that they refrain from engaging in similar behavior in the future to prevent others from falling victim to these unethical practices. | ||||||
| 07/22/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX my wallet and cellular phone were both taken from my possession without my authorization. I reported my debit card stolen to Navy Federal Credit Union at XXXX am on XX/XX/XXXX and informed their fraud department that there was fraud activity taking place without my authorization. The funds taken from my account without my authorization are detailed in the files attached to this complaint. I was informed that my card would be closed and I can get a new one from the credit union when they opened during the week. I filed the fraud claim and attached files to the Navy Federal app that shows that the unauthorized user made transactions that totaled approximately {$6300.00}. I was told by my credit union that an investigation would take place and I would be notified via emessage/email with the results. From XX/XX/XXXX to XX/XX/XXXX I called every other day to check on the investigation to make sure that I took the appropriate steps to ensure that I would be credited with the funds that were fraudulently taken from me. I talked to the Navy Federal Credit Union Fraud department on the phone at XXXX am on XX/XX/XXXX and was told that my claim was denied due to my spending habits which I do not think is a fair evaluation of my claim nor does it have any relevance to me being a victim of this fraudulent activity. I am attaching all files to this complaint that I provided to the credit union that shows that I am a victim of this fraud activity. | ||||||
| 02/12/2021 | Yes |
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Web | Servicemember |
| I've been working with XXXX XXXX, manager at Navy Federal mortgage department. I informed my loan officer from the start that I will not have an impound account on the loan. I was informed by XXXX XXXX ( loan officer ) that my loan will not have an impound account as I requested. I was informed by XXXX XXXX that my loan was approved yesterday. When I informed XXXX that I informed XXXX of the impound account she became combative and aggressive and lied to me stating to bad. Unless you have a higher credit score and put 20 % down payment, Navy Federal requires an impound account on VA loan. I informed XXXX that requesting 20 % down on VA loan in order to cancel out an impound account is illegal and against VA guidelines. I asked XXXX XXXX to provide me documentation of this on VA loans. She stated thats an internal document and I will not be able to review the document. I explained to XXXX XXXX, that the VA loan department nor Navy Federal requires this as you can see in my last VA loan with Navy Federal. XXXX XXXX responded threatening me that she will close out my loan. I stated that I do not give her permission. She responded too bad. This is extreme maltreatment of a Navy Federal employee to a Navy Federal Member and needs to be address immediately. XXXX war veterans do not deserve this. Navy Federal employees involved contacts : XXXX XXXX ( Manager loan origination ) XXXX XXXX email : XXXX XXXX XXXX ( loan officer ) XXXX XXXX email : XXXX XXXX | ||||||
| 04/03/2022 | Yes |
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| On XX/XX/XXXX I made an attempt to deposit money through a several ATMs. The ATMs werent taking deposits. We only have one physical branch in the XXXX area. But there are several satellite ATMs. I went to every one of them and had no luck. Every ATM was either not accepting deposits or the machine was out of service. Due to the fact that I dont have a way to get to the branch all the time and I homeschool ATMs are my lifeline. Because I couldnt get money in NFCU returned a automated payment of mine from XXXX. On XX/XX/XXXX I again attempted to use the ATM at the branch and it took me through the whole process and then said it couldnt accept my deposit. I immediately contacted Customer Service as I have done many times before regarding the availability of ATMs in my area. I was told that people have been complaining and they have been working to resolve the issue. There was no remedy that I was offered except to submit a complaint. I explained that I had done that and all I was told is that the pandemic caused them a lot of issues. While I get that NFCU is suppose to make ATMs available for customers to pay bills and maintain their accounts. I had to drive to two separate locations before my deposit was accepted. This is an ongoing and continuous issue. Now I am left to pay fees for a returned payment because I couldnt get the money deposited. This has been going on since XXXX and I have been patient but this issue needs to be addressed formally. | ||||||
| 01/05/2021 | Yes |
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Web | Servicemember |
| I have had an FHA mortgage with NFCU since XX/XX/XXXX and was forced to put my mortgage in forbearance in XXXX or XX/XX/XXXX due to hardship and Covid-19. I am XXXX and am required to XXXX but have just become XXXX for XXXX so this makes this all even more difficult to handle. I just found out that my XXXX credit score dropped AGAIN, this time by 16 points because Navy Federal Credit union keeps adding to my balance despite everything I have read to the contrary, including their own statements that as long as you were current when going on forbearance, your credit will not be negatively affected by doing so. BUT, that is not correct and I have had my mortgage balance increase considerably since I started and because of that, my credit has been negatively affected several times over the last year. An increased mortgage balance is a red flag to credit bureaus as is the mortgage being reported as in forbearance or deferment which in turn eliminates your ability to get credit or for a potential creditor to loan money in this time of crisis for a customer or borrower. I can show through credit reports over the last year of the increase to my balance and the decrease in my credit score which is in violation of the CARES Act. I have tried to resolve this with NFCU in the past and today while attempting to log into my mortgage online through Navy Federal 's website, found out that I am LOCKED OUT of my mortgage. I will attach screenshots to verify. | ||||||
| 07/10/2022 | Yes |
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| I had a charge back from XXXX XXXX XXXX XXXX did the refund on XX/XX/2022 for an original charge on the XXXX of XXXX. I got worried after a while since the credit was not showing up on my account. I did some research and contacted XXXX XXXX 's legal department and they sent me the paperwork that they had in fact done the credit for and told me to call the Navy Federal credit union. I called Navy Federal and they did not have the credit. While I was walking to the gym, I came up with the idea that maybe the credit was put on the old card and it was not transferred to the new card so I called Navy Federal and asked them to do research and my hunch was correct. I was so XXXX off that I wanted to talk to a supervisor. The supervisor told me they were aware of the mistake on my account but the exact mistake was just caught by me first. Really? If you knew of the mistake, why set on it for 3 weeks. If you knew of a mistake, as a bank why not do more research and get it corrected before the customer had to spend a lot of time correcting it. The supervisor lied to me. Navy Federal and the supervisor had no clue of the mistake. They simply lied to lessen the severity of the mistake that the bank did. Why not just say that a mistake had occurred and it would be corrected as soon as possible and they would look into how it will not happen in the future. All calls were legally recorded by XXXX XXXX so there would be no more lies on Navy Federal 's point. | ||||||
| 04/22/2015 | Yes |
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| This morning I called my credit union, Navy Federal Credit Union, in an immediate response to a letter I received which stated incorrect charges and due dates. When the agent responsible for my account, XXXX, told me that the letter was correct according to his records, I told him that I would look into the matter with my connection with the XXXX. Following my research I learned that I was correct, there was no lack of payment for the last two months, and, once again, my credit union was in error. I then called the credit union back to correct the problem and was told that I could not make changes to correct the problem via the phone. I then asked to have a copy of my statement with a payment history sent to me and was told that it could be faxed to me. I told the customer service department that I did not have a fax number handy and would have to accept a postal copy. I later called again to give a fax number and was transferred to the original agent, XXXX, who rudely told me that he would not give me a copy of my statement or payment history because of the finalized bankruptcy associated with the account, even though the loan was reaffirmed. I insisted that I was entitled to my statements and payment history for the last six months in order to correct the error in their records and he still declined to honor my request. XXXX also told me that he stopped the processing of the postal request that the customer service department was preparing. | ||||||
| 06/08/2021 | Yes |
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Web | Older American |
| I was a victim of fraud on my business account in the amount of $ XXXX Navy Federal Credit union is being investigated by cfpb for their conduct and failure to act in a proper fiduciary manner and refused of accept the determination by law enforcement and has continued to block a resolution. On XX/XX/XXXX i contacted collection and was advised that a Stay was on this account until cfpb completed its investigation. I received a letter from NFCU collection dated XX/XX/XXXX and postmarke XX/XX/XXXX advising me that unless i made arrangements with them regarding the balance of the debt $ XXXX that they would close the account. They closed the account on XX/XX/XXXX despite both the Stay and that they sent it after the deadline. I received this letter on XXXX this is an intentional breach of proper notice as well as mail fraud. My account is in collection and all of my correspondence '' evidence '' has been deleted by NFCU as well as I have no access to the account to do my XXXX taxes. I have been disconnected by NFCU in the last 24 hours 5 times. Account XXXX XXXX acct # XXXX. NFCU should reinstate the account until the investigation is complete and at that point if I have any liability I will address that. The damage to my business reputation credit worthiness and the failure on NFCU to their fiduciary obligations and legal protocol is unprecedented. They even took my unemployment payment and refused to provide me a list of protected funds. Help | ||||||
| 12/05/2017 | Yes |
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Web | Servicemember |
| On XXXX XXXX, XXXX, a person named XXXX XXXX accessed my checking account and conducted 3 transfers from my account to her account. This person added themselves as a member to member payee on XXXX XXXX, XXXX at XXXX XXXX. At approximately XXXX XXXX, the following transfers were conducted to that persons account, {$280.00}, {$580.00}, and {$1500.00}. My spouse noticed the transactions around XXXX XXXX and we contacted Navy Federal Credit Union. Shortly after XXXX on the XXXX of XXXX we filed a claim with the fraud department, this claim would not be posted until XXXX XXXX on the XXXX. I spoke with a service representative around XXXX XXXX on the XXXX and they informed me that once the claim was assigned an investigator they would have 10 business days to complete the investigation and provide their findings. I called back on XXXX XXXX, XXXX and they informed me that an investigator had been assigned on the XXXX. We have called multiple times within that time frame and have not received any updates as to the projected completion of this investigation. I called this morning, which is 12 business days after the assigned investigator, and they informed me that it would be until the middle of next week until it would get completed. I am currently working on a written notice to Navy Federal Credit Union informing them that i require additional information and updates. During this whole situation they have not contacted me or my spouse to update us. | ||||||
| 09/06/2023 | Yes |
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Web | Servicemember |
| XXXX received certified letter in mailbox with card missing for certification from NFCU. Envelope stamped XX/XX/XXXX XXXX Notice. XXXX dated XX/XX/2023. Formally notified that mortgage holder NFCU is advising the loan is in default for failure to pay amounts due. I believe this is a retaliation for XXXX with CFPB, which was settled with a Heloc and paid with all amounts due through XXXX per the statement given by NFCU provided XXXX site. Reviewing the date the wire transfer made to NFCU from the funding account a credit of {$25.00} was applied to the principal of the mortgage on XXXX, the same date of this letter. The representative I spoke to today mentioned it must have been auto printed that morning of the XXXX. The question I have based off the data, it does not reference any other unpaid sums before the wire transfer took place in the afternoon, it references The loan payment and subsequent payments, plus late charges, fees, and other costs, was due on XXXX XXXX. As of the date of this notice, the total delinquency and reinstatement amount is {$25.00}, which consists of the following : Next payment due date XX/XX/2023 Current Monthly Payment {$1400.00} Total Monthly Payments Due {$0.00} Late Charges {$0.00} Other Charges Uncollected NSF Fees {$0.00} Other Fees {$0.00} Corporate Advance Balance {$25.00} TOTAL REQUIRED TO CURE DEFAULT {$25.00} This continues on for the rights to assess fees etc for the declaration of XXXX on XX/XX/2023. | ||||||
| 01/31/2023 | Yes |
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| On XX/XX/2023 my husband and I deposited a check from XXXXXXXX XXXX from the proceeds of the sale of a vehicle for {$20000.00}. I received a receipt from the bank stating that the funds would be available on XX/XX/2023 and the member service representative who deposited the check said the funds would be available on Monday XXXX requested an online transfer from my business account at XXXX XXXX for {$7500.00} to be processed today XX/XX/2023. I checked my XXXX XXXX account on XX/XX/2023 and the bank online balance showed the {$17000.00} was available for withdrawal. I requested the transfer from XXXX XXXX which is pending based on this information. I logged into my account this morning XX/XX/2023 with Navy federal and now the funds are not available. They placed an additional hold on the funds and removed availability. I was never told by the member service representative that there could be an additional hold, and nothing was printed on my receipt to tell me otherwise. This is extremely misleading to a consumer and business owner. There needs to be another way to notify members that there will be or could be a hold placed on items just based on what someone feels for that day. There should have been something printed on my receipt that says there could be an additional hold placed on the item. Also showing the funds were available and then removing it from my account is very concerning to me that they can just do this without any recourse. | ||||||
| 09/22/2021 | Yes |
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Web | Servicemember |
| I deposited 3 checks totaling {$33000.00} at XXXX XXXX on XXXX XX/XX/2021 at a Navy Federal branch location with a Member Service Reperentative. The bank teller informed me there would be a 2 business day hold on {$33000.00} of the deposited funds. The deposit receipt clearly indicates the same, and says " {$33000.00} will be held from your total deposit and will be made available for withdrawal after 2 business days (XX/XX/XXXX ) ''. I called Navy Federal on XXXX XXXX and asked them why my funds were still not available. They informed me they extended the hold time to 5 business days, and my funds would not be available until XXXX XX/XX/2021. This is contrary to their posted " Funds Availability Schedule '' which clearly states " If your check deposit is made with one of our MSRs and we decide at that time to delay your ability to withdraw funds, we will tell you then. If we decide to delay availability of your funds after you complete your deposit, we will mail you a deposit hold notice by the first Business Day after we decide to take that action. '' I deposited my checks with one of Navy Federal 's MSRs, and was told they were going to delay the funds by 2 business days, not 5. There is no provision in Navy Federal Credit Union 's Funds Availability Schedule that allows them to change the hold time for an additional 3 business days. Additionally, I have yet to be mailed a " deposit hold notice '' as their own policy clearly states. | ||||||
| 04/18/2017 | Yes |
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Web | |
| I moved my savings account from XXXX XXXX XXXX to Navy Federal because the monthly charge but now I see why XXXX XXXX XXXX has monthly charges. About XXXX to XXXX weeks ago I had a problem with my Navy Federal account, I got a email on XXXX saying : Dear Member, A new Member-to-Member Payee has been successfully added to your account. You can now instantly send money to this member . Requestor 's name : ME. Payee 's name : XXXX XXXX . When I saw this on my email I first thought I was a junk email but I opened my savings account and BOOM all my savings money was gone only {$34.00} was left in it, like a big laugh and a punch in the face. I went to the bank and filed a DECLARATION OF FORGERY/FRAUD form, that 's after I was questioned by the bank employee asking like what kind of phone do you got, where were you at at this certain time. Yes I understand that they got to be safe and make sure there not getting hacked/robbed but why would I do that to my own account, do n't you thank I would use someone else 's one then move it to my account? But anyway I do n't know much about computers in the first place only web browsing, email checking, and game playing that mostly it. But back to reason after I filed the DECLARATION OF FORGERY/FRAUD paper they told me my money will be back in my account in XXXX days well get ready fo some math it was filed XXXX today is XXXX the last time I checked on it was on XXXX | ||||||
| 02/10/2023 | Yes |
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Web | Servicemember |
| Previously had an account with Navy Federal back in XXXX, In XXXX account was hacked and my card was stolen. I had absolutely no access to funds and transactions with a card. Card was never investigated as I reached out to company Navy Federal and no proof was given I reviewed my credit report again in XX/XX/XXXX and the account continues to reflect on my credit report. nor has my credit report been updated to reflect that the account is disputed/deleted. I find that the creditor does not have the authorization to access the account nor authorization to attempt to collect on the account and the account continues to NEGATIVELY affect me. Several laws/ codes have been broken as I have all right to protect my personal information. Please REMOVE / DELETE this account effective immediately from all credit bureaus ( XXXX, XXXX, XXXX In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 15 USC 1681B : 15 USC 1681S2 : Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681i ( 7 ) : 15 USC 1681e ( b ) and Cares Act has resulted in an FCRA violation | ||||||
| 07/09/2022 | Yes |
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Web | |
| On or about XX/XX/XXXX. I refinanced my auto loan from XXXX XXXX to Navy Federal. XXXX XXXX was supposed to send title to Navy Federal in XXXX. I received a call from Navy Federal in XXXX saying they did not have the title and could not finance unless the title was received. All money went to XXXX XXXX. Navy Federal then said they would contact XXXX XXXX to get the title. Fast forward to XX/XX/XXXX. The loan was paid off at Navy Federal and in turn a home improvement loan was done where the vehicle was used to secure that loan. At the time I agreed to the loan, I was told they would send me the title and I would then send it back to them, so they could be the lie holder. Why didnt the representative state at that time that Navy Federal did not have the title. Today ( Saturday XX/XX/XXXX at about XXXXXXXX XXXX ) I spoke with XXXX and a person named XXXX who said he was a supervisor. XXXX was rude XXXX and basically said Navy federal never had the title. How is this legal? How can you loan money on a vehicle without becoming the lienholder? XXXX then said Navy Federal has no responsibility to get the title back in XXXX nor today. Told the customer to figure it out basically. At the time of the new home improvement loan, I was told I had 90 days to get the paperwork they were sending out to me back to them. Its been months and since I never received the paperwork I called today and spoke to XXXX. Aweful Customerservice. | ||||||
| 04/19/2022 | Yes |
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Web | |
| On XX/XX/XXXX, I sent Navy Federal remittance check registered and certified mail and it was signed for and received on XX/XX/XXXX. Payment due date was XX/XX/XXXX although I sent it in on time and it was accepted. Of course, I was charged a late fee and the charges and account was sent to Collections. My account was not updated to reflect payment for three weeks to a month and I did not hear from Navy Federal. Called them several times ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) and was given the run around ( including speaking to several people from the Remittance Dept. ). Was told the original form of remittance I sent will not be accepted although they did not return it to me. Called today ( XX/XX/XXXX ) at approximately XXXX XXXX and spoke with XXXX and XXXX ( Collections Dept. ). XXXX, who tried his best to get some resolution however his Supervisor did not speak with me but gave several responses that did not make sense through XXXX. XXXX states the Mail Remittance Dept. was closed and she would get more details since someone she spoke with in Electronic Remittance states I would have to request the remittance check I submitted in writing. I explained to XXXX that this all makes completely no sense however I will wait for her call tomorrow. Navy Federal 's refusal to accept the remittance check is an impersonation of Congress, which is a VIOLATION under Article 1 Section 8 Clause 1 and 5, as well as 31 U.S. Code 5118 ( d ) ( 2 ). | ||||||
| 09/09/2020 | Yes |
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Web | Servicemember |
| On XX/XX/2020 all my accounts held with navy federal credit union were frozen without warning or notification after a deposit of {$5000.00} and {$1000.00} was made to my account by another navy federal member. I contacted NFCU after my card was declined at the drive-thru on XX/XX/XXXX. I was told that the department that could assist me in recovering my accounts was not going to be able to assist me until after XXXX XXXX weekend. My 8 month pregnant wife and I are left figure out how to make it through the weekend with absolutely no funds. With no other options we hunker down for the weekend. First thing on the following tuesday XX/XX/XXXX I reach out again to recover my account. I am given instructions on what to do to recover my accounts. I do so and await a response. It is now XX/XX/XXXX, day 5 with no funds, and i reach out again after receiving no response for over 48 hours. I am told no emails have been recieved and am asked to attempt again. The emails were sent to the very same email address as before no typo was made in either attempt. The department finally receives what they need and now I am told that they need ANOTHER 24-48 hours to review despite my situation. My wife and I have been left in the worst imaginable situation. The lack of services available to recover access to my funds seems unlawful! There are still another 48 hours that we are forced figure out how to get through our day-to-day without access to our accounts. | ||||||
| 05/18/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022, Navy Federal Credit Union claims that they have withdrawn my application for a VA XXXX XXXX XXXX due to my failure to provide required documentation. The bank stated that a Notice of Incompleteness was issued on XX/XX/2022. The two issues that the bank claims led to the loan application being withdrawn were my income and XXXX XXXX service information along with an intent to meet the VA occupancy requirement. I consulted with the VA XXXX XXXX XXXX, and was advised that there is no occupancy requirement from the VA for a home loan assumption. Further, if there was an occupancy requirement, then I would have satisfied the requirement since I am currently on XXXX XXXX military orders away from my XXXX which is where the property that I would be assuming is located. For the XXXX XXXX service XXXX, I provided the lender with a copy of my XXXX which showed an XXXX date of XXXX. This should have indicated to underwriting that my base pay is stable and reliable. All of the documents that were requested were provided on time or a reference was made to the VA pamphlet XXXX to show where the documents were not required. The lender did not provide any opportunity to submit additional documentation in order to continue processing the application. They withdrew the application without warning and stated that the only recourse would be to restart the application from the beginning and resubmit all of the documents again to underwriting. | ||||||
| 06/04/2022 | Yes |
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Web | Servicemember |
| Pursuant to 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result. You broke the law by furnishing this account on my consumer report. Pursuant to 15USC 1681 ( A ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is not included in a consumer report. This law also states reporting missing or late payments is NOT allowed. Pursuant to 15USC 1692E ( 10 ) using deceptive means to coerce a consumer into paying a debt. You broke the law when you filed a 1099C but continue to ask me to pay on the alleged obligation by actively reporting a " charged off '' account to the consumer reporting agencies and garnishing payments from my bank account without permission. You also broke the law and committed identity theft when you sold my information to CONSERVE and had them CALL and harrass me until I agreed to pay on the alleged obligation. These errors may be assumed to be a willfully intent on misleading or deceiving the consumer of the character/amount of any debt 15 USC 1692e . ALL debt obligations and securities are owed to the United States 18 USC 8. | ||||||
| 09/08/2016 | Yes |
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Web | |
| Denial for Gap in Employment ( Husband ) no letter from Navy Federal Credit Union ; Navy put us in for the wrong Mortgage Loan put The XXXX in for First Time Home buyers ; Misled closing Attorney by sending documents for them to close on Loan : We determine we was put in for the wrong type Loan, Navy put us in for a First Time Home Buyers and I ask that question back in XXXX 2016 who decided that type of loan, this correspondence was sent via Navy message but never got corrected by Loan Officer ( XXXX XXXX ). XXXX sent an email saying approve to move to processor and she ( XXXX ) will be get in touch to prepare the XXXX for closing. The closing Attorney said the file was given to him a week before the closing date XXXX XXXX, 2016 so he can prepare for closing. I phone and XXXX told me XXXX said was not going to make closing, why was n't we notified about closing. Navy never told us to extend closing and now all involve was misled about closing on my future home. the final, the XXXX call XXXX Monday XXXX XXXX, 2016 later that day and she told us we was denied because of my husband GAP in Employment. We do n't believe XXXX XXXX followed the attached email from XXXX HR contact XXXX XXXX XXXX to verify his employment, the email is attached and why was n't the employment verification done weeks in advance and then we was told the Loan was Denied wholly off XXXX gap in employment by XXXX over the phone the same day she contacted his employer? | ||||||
| 03/08/2022 | Yes |
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Web | |
| Filed complaint on XX/XX/XXXX about not being able to access funds for an international transfer. Following up : gave them all ( and more info ) Navy Federal Credit Union requested. Pieced together from various customer sevice reps who appear to have no set rules nor scripts to read for a person asking to transfer money. Latest : Sent all the info they asked for. Even went online to find a form that someone used that has navy federal logo. Filled that out. Sent an email with info requested via email. No response. then went to app messages. Sent the same email via pdf and multiple " security check info ''. Again no response. Called : somehow transferred to a rep who had no idea what i was talking about and then XXXX oh that's another department when gave her the cc_resolution navy federal email handle. On hold, no checking in. Until the shift/office closed and was told : I can not hear you I am disconnecting the call. Consider the latest NFCU news : Will not go into that but a XXXX search gives multiple lawsuit actions. Why am I not able to access my funds in a reasonable amount of time? Why no form on your app or on your website? Why multiple conflicting answers from your telephone reps? What is with the wait for 30 minutes tactics/ Why am I not able to transfer money out of Navy federal on the same day? this is purely stalling ... and who wins? NFCU Audio recordings of calls, notes, etc. made. Not to be shared right now | ||||||
| 03/28/2019 | Yes |
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Web | Servicemember |
| This is regarding my son 's Share Savings account. It was opened in XX/XX/XXXX by my now ex-husband. Note : Ex husband is NOT my sons biological father nor did he or does he have ANY legal custody or rights to my son. When my now ex was incarcerated in XX/XX/XXXX I filed for divorce. It was finalized in XX/XX/XXXX. Since then I have been trying to change my sons account to make me custodian over this account. I have spoke to Navy Federal local branch member XX/XX/XXXX, who told me there is no way I can change the account. I called NFCU on XX/XX/XXXX. Rep told me to send documentation and written letter to membership department requesting change due to recent unavoidable changes ( incarceration/divorce ) and request account change. Was told to include items such as my sons birth certificate showing my ex is NOT my sons father, as well as my first marriage ( sons father ) divorce and custody order and my current divorce decree showing my ex is in fact incarcerated. I was assured with this information my request would be approved. ESPECIALLY since my ex is NOT my sons father, NOT have any legal rights to him and was nothing more than the " XXXX XXXX account holder '' at NFCU and was the one who had to open the account. I submitted request on that date. On XX/XX/XXXX I received a response back on XX/XX/XXXX stating my request was denied. XXXX XXXX Account Holder/Custodian : XXXX XXXX XX/XX/XXXX XXXX XXXX Dependant : XXXX XXXX XX/XX/XXXX | ||||||
| 09/01/2015 | Yes |
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Web | |
| On the following dates I used Navy Federal Credit to make Bill Payment to following account at XXXX XXXX and XXXX XXXX XXXX XXXX I contact my to inquiries on payment that was sent by bill pay. XXXX XXXX contacted me and I was not available then call back on XXXX XXXX, 2015 and spoke with XXXX from Navy Federal Credit Union who contact XXXX XXXX while I was on the phone I received various bill from XXXX XXXX and XXXX XXXX XXXX XXXX which will require the bank contact the individually regarding the receipt of payment the first contact XXXX was asking question about the account on the statement when they should be either put my name, or the account that was given by the bank XXXX. XXXX indicated the they had different account number from the one they sent me stating I have miss payment. The Navy Federal Credit Union Confirmation Number is XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$100.00} I request XXXX to send letter and ask them to verify method of payment because they can confirmed the checks has been paid and the amount was with withdraw from my checking account and XXXX was not very help she was will give private information to XXXX. I had inforned her several times not to release this information, Please investigate the Navy Federal Credit Union and XXXX XXXX, XXXX XXXX XXXX XXXX and ensure they working according to United States Federal Regulations | ||||||
| 08/20/2023 | Yes |
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Web | Servicemember |
| My husband is XXXX XXXX military, retiring form the XXXX, and we were applying for a VA home loan at Navy Federal Credit Union. We received a pre-approval letter by them and started looking for a property. We put several offers on multiple properties and finally were able to get one under contract after a lot of work. Navy Federal Credit Union asked for fianancial documents and we submitted them. We really wanted this property after the long road to find it. Along the way the bank told us that underwritting declined our loan. I asked why and they said that they only taking into account my husbands retirement income and not his XXXX XXXX income ( he has more than 12 months left and other loan officers had said he could use his XXXX XXXX income ). Also because our high debt to income ( DTI ). Since we were desperate at this point I inquired about other loan products and my loan officer said he could not help me. He did not care. I asked him if we don't qualify for the XXXX XXXX loan we were asking for, then what is the amount that we are allowed? We could have searched for a smaller property? He said he did not know. He just wanted to brush us off. Also along the process, they ran our credit score twice. Once at the beginning and once toward the end. Their sevice is limited and only respond during certain times. There is no customer service or empathy. We lost the deal and are extremely dissappointed with the outcome of our experience. | ||||||
| 10/14/2022 | Yes |
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Web | Servicemember |
| I have sent a copy of my police report detailing my whole purse was stolen and all items were in it. I am being charged more interest each month my credit card bill is going up although I have an active appeal and theres no new charges that have been made. I have been credited {$270.00} for XXXX charges XXXX I disputed as fraud in calling back daily to add charges they have forgot about even though on XX/XX/19 everything is listed in an e-message I have an outstanding $ XXXX charge and {$2700.00} charge for XXXX XXXX XXXX now told they are treating it as an appeal and not giving provisional credit although they left these two charges out months ago I Just got confirmation it was added to my claim in XXXX I pay my bill monthly interest a d all and this is just not fair to resolve this and I keep paying higher bills its my understanding during a dispute they wont charge all this interest its my understanding this is zero liability for fraud I love this bank my son husband all use it in a victim of identity theft and have had to deal with other companies to rectify charges get new identification etc by far this is the hardest and worst experience I have anxiety calling the bank now and am thinking about switching all my business from this bank as its not fair whats going on Im giving no time limit for resolution Im over credited for a transaction missed several other transaction its affecting me the amount of time Im spending on this | ||||||
| 05/28/2022 | Yes |
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Web | Servicemember |
| on or about XX/XX/XXXX there were funds taking out of my checking account and that I spoke to nave federal as to why I made a agreement that the honored for XX/XX/XXXX in which I was read privacy notice .But every time my payment is due the never could honor the agreement .Going forward so on the XXXX of XXXX monies was put back on a XXXX every XXXX someone excess my account .monies was put back into my account only to take out for XXXX payment toward my go rewards credit card on XX/XX/XXXX again some XXXX took out XXXX. XXXX toward my credit card account in which it wasn't due until XX/XX/XXXX another payment was taking out in the amount of XXXX or XXXX My payment is for XXXX every month and also I made a payment eternal transfer from saving to checking and XXXX XX/XX/XXXX another payment was taking out and my in XXXX it was over XXXX dollars between my savings and checking on XXXX XXXX I was headed to XXXX XXXX and looked at my account to make sure I had moneys for my part and saw that it was XXXX I left in my savings and that someone from navy federal had access my account and took payment for XX/XX/XXXX that was not authorized none where as from XX/XX/XXXX I am not happy at this point because this has been a ongoing problem and hardship for me. at points and times there maybe deposit that family makes eternally they show up as some of the things that goes on with navy Federal to cover up other deposit entering into my account | ||||||
| 01/09/2020 | Yes |
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Web | Servicemember |
| In XXXX Navy Federal Credit Union repoed my vehicle. I was past due on the loan. Unfortunately, I took the loan for my Mom who defaulted and it was a hard lesson learned having it on my credit. They sold it at auction and my remaining balance is a little more than XXXX. For a while I was able to pay on it but I fell on hard times after and wasnt able to pay. After a few years it fell off my credit report and it hasnt affected me. Recently, I looked into re- establishing my membership there. My now fianc is in the navy and it makes things much easier to have an account there. I applied, and I got a response about my name being different than what they had on file. I explained I was once married however I was divorced but I NEVER legally changed my name. They explained I could complete a form to show my name was never XXXX and to show my divorce papers, and government issues ID and I could re establish my membership. I went into the bank to have a temporary check printed and Im told they are closing my account. The representative said the account is being closed because of a repossession you had with us. I explained it was back in XXXX and its now XXXX, Its 13 years old! They are wanting me to pay this loan after they have written it off, received a tax write off from the IRS! Now FDCPA. Law in Florida is 5 years and federal is 7 and we are at 13. They can not legally collect on this debt any longer. They are trying to do so! | ||||||
| 10/25/2016 | Yes |
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Web | Servicemember |
| My Husband and I have been a member of Navy Federal CU since XXXX and shortly after opening an account we applied for an Auto loan and Credit Card. The loan was approved for our XXXX XXXX XXXX and we received our credit card. I have never been late on a payment past the 10 day grace period, Maybe a day or so, due to the way our paycheck fell in accordance with the due date. If the payment was n't made on or before the actual date Navy federal would lock down all account access online even our debit cards & credit cards. We had no way to get funds from our checking account leaving us no funds to access and care for our XXXX children until the loan was paid one to 2 days later. I would call begging for them to lift the block and was told that they could n't until the loan payment was made. On a couple of occasions my child was sick and I needed to pay for a prescription and was turned away by Navy federal. Another occasion I was about to run out of gas coming back from a long trip and call an was also turned away, each time there were funds in my account just not enough to make said payment that was due. Although, When a Direct deposit was made to the Checking account Navy Federal transferred automatically to the Auto account or Credit account without our consent. This is the reason why I closed my checking account with Navy Federal CU. I strongly feel that my family and I should be compensated for the mishandling of our accounts. | ||||||
| 09/25/2022 | Yes |
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Web | Servicemember |
| Navy Federal, I still practicing non-faith acts. I was told it would like 90 to 120 days to refund me the funds taking out of my account. I have attached documents that show XXXX issuing the refund and as you can tell it keeps getting reversed. I would like to the bank in question to not only refund me the amount of {$300.00} within the next XXXX to XXXX busniness days. ( E ) STANDARD MAXIMUM DEPOSIT INSURANCE AMOUNT DEFINED. -- For purposes of this Act, the term " standard maximum deposit insurance amount '' means {$250000.00}, adjusted as provided under subparagraph ( F ) after XX/XX/XXXX. Notwithstanding any other provision of law, the increase in the standard maximum deposit insurance amount to {$250000.00} shall apply to depositors in any institution for which the Corporation was appointed as receiver or conservator on or after XX/XX/XXXX, and before XX/XX/XXXX. The Corporation shall take such actions as are necessary to carry out the requirements of this section with respect to such depositors, without regard to any time limitations under this Act. In implementing this and the preceding 2 sentences, any payment on a deposit claim made by the Corporation as receiver or conservator to a depositor above the standard maximum deposit insurance amount in effect at the time of the appointment of the Corporation as receiver or conservator shall be deemed to be part of the net amount due to the depositor under subparagraph ( B ). | ||||||
| 07/20/2022 | Yes |
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| To whom it may concern ; i have sent a complaint before concerning Navy Federal Credit Card. I have been an authorized user on user of my mother 's Navy Federal credit card since XXXX to present. I was diagnosed with XXXX in XXXX and most recently over XXXX to XXXX I went to stay with a friend, who was informed was thrown out of her home, we went to stay with her sister, in which also didn't work for her. I had not known that my credit card was stolen out of my purse without my consent and I avoided my mom, bc she didn't know I had XXXX. i believe I was taken full advantage of due to my illness. I was taking medications prescribed to me by physician which left me sleepy and mentally drained. This has caused a huge problem with my mom who was not aware of the transactions. My grandmother passed in XXXX of this year, after the homegoing services, we had a family meeting with lots of cousins in which my mother inquired with many of whom the culprit was reference the gas, the food, the coupons, and some purchases from XXXX. Since my mother has called the police and ppr ivied them to the charges and nothing has happened. I was an authorized user and this is getting out of hand due to the theft of the card. The phone number of XXXX XXXX XXXX does not ring and XXXX is full XXXX this is the second complaint and my mother had cut up my card in pure disgust. I would like to know if I may get assistance with this matter. warm Regards | ||||||
| 04/27/2018 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I used two different credit cards at check out to pay for my room and the room for the Fire Captain assigned to escort my husband 's body back to the U.S. When I checked online banking records on XX/XX/XXXX, I discovered that the XXXX XXXX XXXX had used card XXXX for both rooms while also using the correct second card XXXX for the Captain 's room. I filed an online dispute with Navy Federal on XX/XX/XXXX. After providing NFCU with multiple proofs of the duplicate charge ( the separate folio payment records from the hotel ), NFCU sent me a letter dated XX/XX/XXXX that advised they found no error and they were recharging the account. Included with the letter was proof that the second card ending in XXXX had indeed been charged for the second room. Despite this, NFCU posted a THIRD charge to card XXXX. I have attached a screenshot of all transactions concerning the XXXX XXXX on card XXXX showing the three room charges for transactions on XX/XX/XXXX ( check-out from the two rooms ) with two posted on XX/XX/XXXX and one posted on XX/XX/XXXX. ( Please disregard the smaller charge of XXXX. This was for drycleaning. ) Therefore, Navy Federal refuses to acknowledge that they have now facilitated/honored FOUR charges to the XXXX XXXX for the two room charges on XX/XX/XXXX : three on card XXXX and one on card XXXX. By the hotel 's own legal VAT invoices ( attached ) for these overnight stays, only two charges are legitimate. | ||||||
| 06/15/2023 | Yes |
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| On XX/XX/XXXX, I was notified of fraudulent transactions on my business checking account with Navy Federal from the XXXX XXXX. Checking the statements, i noticed transactions from as far back as XXXX. After speaking with my business partners and making sure neither one of them made or authorized the transactions, I called Navy federal and filed a claim. I also went online and searched XXXX contact information and reached out via email and told the rep of the unauthorized transaction. She told me she could see that transactions was not authorized by anybody with my email or name but since it was fraudulent charges that my bank had to go thru my bank to file the dispute which I told her, I just had done. About a week goes by, I tried to login into my business account and it was restricted. I immediately call navy Federal and one of their security reps basically treats me like a criminal and questions the claims that I had filed and did I have somebody else influence me to file the claims. Then she tells me the account is going to be permanently restricted and they would let me know the updates of the claims. I received an email about 2 weeks later that the claims have been denied. Navy federal failed to ever contact XXXX and dispute the claims and denied them off 0 basis. I told them that I can get a police report if needed. Ive attached the email communication between me and XXXX and a photo of all the unauthorized transactions. | ||||||
| 11/12/2021 | Yes |
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Web | Servicemember |
| XX/XX/21 XXXX XXXX purchased ticket from smartfare {$140.00}. XX/XX/21 XXXX XXXX -charged pending for {$300.00}. I was sent an email with no purchase price just a confirmation. It says if there was a problem I needed to call them. XX/XX/21 XXXX - called XXXX customer service to report the problem. He said there is no nothing he could do. I asked for a supervisor. I was told a supervisor XXXX would call me back. XXXX I called again. Nothing happened. XX/XX/21 I called navyfederal credit union to file a dispute on the charges. The bank gave me a temporary credit for the amount. It was going to be investigated. I provided documents and confirmation with no information from the airline I was given. XX/XX/21 - the credit of XXXX was taken back.i called navy federal credit union again spoke agent who in turned called visa.Visa told her for me to provide a detail report of all that took place. They would see about returning the funds. XX/XX/21 I called NFCU again to check on the status. I was then told to give more information. I did give the information requested on the phone as we talked. They told me they couldn't get a response from the merchant about the charge. So they denied my case again. I was told to put in a claim again. It would take longer. I did. XX/XX/21 - Called NFCU to check status was told that it is not fraud. It was error on the merchant part. I just want to file complaint to have my funds return to me. | ||||||
| 07/29/2020 | Yes |
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Web | Servicemember |
| I filled an application for a XXXX XXXX refinance on XX/XX/2020 and the company has been going out of its way to push me into a regular VA loan by placing extraordinary delays, costs, and requirements on the low documentation loan. I have also been subjected to repeated delays whereas my information is regularly submitted for the wrong amount or wrong loan product. Lastly, the company is attempting to re run my credit report after already charging me for a credit report and providing a copy of that report from XX/XX/2020. The lender is stating that the wrong social security number was entered into the system and another credit report needs to be run when that is not correct. A XXXX XXXX IRRL does not require a credit report whatsoever and the fees should be less due to the lower processing. This lender is doing whatever it can, attempting to charge premium fees and costs for less favorable rates while the market rates continue to decline to discourage my VA IRRL application. for example, a rate quote of 4 % with nearly {$7000.00} in closing costs is both higher than my current rate and not allowable whereas an IRRL requires a rate reduction of at least .5 % as well and costs that do not exceed 36 months recoupment period. I have been quoted less favorable rates and fees of {$6000.00} - {$11000.00} which are significantly above the allowed limits and current market competition with suggestions to steer me into a full VA loan. | ||||||
| 03/07/2023 | Yes |
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| This dispute is in response to a debt that was being collected on a secured credit card. The secured credit card was funded by my personal FRN 's. Please take notice that on XX/XX/2023 NFCU stole the money from my tax refund in order to " settle '' the debt that was already settled from the moment of account creation. Aside from NFCU stealing the money, in which i did not give authorization. They broke the law ( 15 USC 1666h ). This law states that " A card issuer may not take ANY action to offset a cardholders indebtedness arising in connection with a consumer credit transaction. '' Also in accordance with the TILA, cash and credit can not be used in a consumer credit plan, which makes the original contract null and void from the beginning due to it being fraudulent and misleading. It is a FACT that I utilized FRNS from my account to fund this account thus making it a prepaid card and not a credit card. You have no authorization to furnish to my consumer report with income, which by IRS definition a charged off account is INCOME and i still have yet to receive a 1099C in order to claim this as income on my report SO, in total I have 3 violations. Which may lead to litigation if I am not refunded the {$260.00}. XXXX that was stolen from my tax refund. Please also take notice all correspondence will be sent to the US attorney General, All 3 credit bureaus, state attorney General, FTC, and IRS criminal investigations dept. | ||||||
| 08/25/2022 | Yes |
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| On XX/XX/2022 I made a dispute claim with Navy Federal for an online order I made on XX/XX/2022 for goods not received. I have uploaded documents to Navy Federal portal from the merchant stating that an error has occurred and would be issued a refund for undelivered goods. I have not seen the refund credited back to me from the merchant therefore, I made a claim with Navy Federal to assist me with my account. I was asked if I wanted the items re-delivered to me or a refund and I requested the refund. The merchant has been paid twice once by me and the third party company that issued the refund for items they never delivered. The merchant has experience no lost due to the fact the items were paid in full by me and also refunded. Navy Federal is claiming no error occurred and refuse to credit my account. The goods purchased needs to be repurchased for my family and household purposes. Due to their claim of no error I have been charge for delivery fees and a tip for the driver for items never received. I should not be charged for any of these fees. I have requested all information and documents from Navy Federal of their investigation in determining their claims that no error has occurred. Under the Fair Billing Act I should not be charge in the event of not having my items delivered to me. I am requesting that the error be corrected and if any finance or other charges related to my dispute to be credited back to my account. | ||||||
| 01/25/2018 | Yes |
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| I would like to start by saying that I have enjoyed a very professional and courteous relationship with Navy Federal Credit Union. The staff is usually available and excited to assist with any issues and or concerns. Unfortunately, in this instance I have spent countless hours on the phone with various people including a Supervisor regarding this issue with no resolution. Initially in XXXX we were approved for an auto loan with Navy Federal Credit Union. At the dealership we were extended an offer with 0 % APR. We accepted that deal and proceeded to purchase the vehicle. We then were going to refinance the loan with Navy Federal in XXXX and received an approval on XX/XX/XXXX The decision was made not to proceed with the refinance at that time. Navy Federal Credit Union was promptly contacted and advised of our decision. I was advised that the initial check from XXXX was going to be voided and that a subsequent check was going to be sent ; however due to us cancelling the loan it was never sent. Navy Federal Credit Union is now reporting this loan on our credit report. Since this loan was never fully executed this should not be reporting on our credit reports. I have made many phone calls to them and was promised a deletion however it has not materialized. I am concerned about the negative impact that this will have on our credit. We have worked very hard to maintain a positive credit file and need this resolved urgently. | ||||||
| 11/03/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022, I purchased a desk top computer and software, XXXX XXXX from XXXX XXXX. But during the purchase process, there were problems, and so I cancelled the order by phone with XXXX XXXX. The told me it was done. However, the XXXX credit card I have with the Navy Federal Credit union was still charged the full amount for both products {$900.00}. I called XXXX XXXX again and told them I had cancelled both, and they said they would take care of it, however, they only credited the amount of the desk top {$850.00}. The charge for the XXXX XXXX was not credited. I went into XXXX XXXX website and chatted with a representative, who told me that that was a separate charge done by XXXX and I would need to call them, which I did. They told me that XXXX XXXX charged the amount, and therefore they were the ones to deal with. The problem however, is with the XXXX XXXX XXXX XXXX I notified them by their website, sent them a copy of the receipt, copy of the XXXX statement. They declared that wasn't enough, that I would need to send a cancellation of the software. I obtained that from XXXX XXXX, and forwarded it to them. They said that the cancellationn of the software didn't indicate the amount and therefore they could not approve the discount. When in fact, the XXXX statement reflected the whole transaction process. They have since closed my request. And I don't know why. All I want is the refund {$53.00} credited to my account. | ||||||
| 07/18/2022 | Yes |
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Web | |
| I previously contacted Navy Federal Credit Union for charges with XXXX and XXXX XXXX between the end of XXXX and the beginning of XXXX. I did not make any of these purchases. I had my card in my possession at the time of the purchases and I never authorized anyone to use them. I have never made purchases or ordered services with XXXX or XXXX XXXX I was initially issued credits for the transactions and my card number was replaced. I was notified the next day that additional attempts had been made using the card and they would be included in the fraud investigation. To my surprise on XX/XX/XXXX, I was recharged for the transactions and no clear information was provided to me as to why. I was sent an email from a representative advising if I wanted to have the charges reviewed, I would need to do so in writing. I am truly disappointed to be treated this way by an institution that I had so much trust in. I paid the balance of the transactions today to stop my credit reporting from being impacted by charges I did not make. The representatives were unhelpful in attempting to resolve my concerns. This is an unacceptable practice to hold a consumer responsible for fraudulent transactions. It was then told to me to explain how someone may have gotten access to my card information. With a world where cyber fraud happens every day, its disheartening to expect the consumer to explain how fraudsters may have gotten access to my card. | ||||||
| 05/15/2023 | Yes |
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| XX/XX/2023, I saw an ad on offer-up for a car for around XXXX. I took out a navy federal loan to purchase the car. I NEVER RECEIVED THE CAR. I got scammed. The seller deleted his offer-up account. Navy federal froze my account as well because I couldn't provide information about the car ( I couldn't provide information about the car because I didn't receive it ) I have spoke to navy federal 5-10 times about this situation. They are no help at all. When I spoke to navy federal in XX/XX/2023, they told me they put a freeze on the sellers account. and they froze the check as well. The money that wasn't spent from the check would be credited to the car loan ( since I never received the car ) Its XXXX and the balance have not been updated. Why am I paying for a car, if navy federal told me they froze the seller account and check???? The balance needs to be applied. If navy federal froze the money my loan amount needs to be updated ASAP!!!! Ive also been receiving letters from navy about getting the title for the car. or else my interest rate is going to increase. I DID NOT RECEIVE THE CAR. Why is this not on my file? Im tired of calling nonstop! They are doing NOTHING about this! If they froze the seller account and check, the balance needs to be applied to my loan!! According to the representative, the sellers cashed the check, and navy froze the money so why isn't my loan balance updated??? this needs to be fixed ASAP. | ||||||
| 06/24/2018 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, my checking account was placed on restriction due to fraudulent check deposits on my Navy Federal Credit Union checking account. They were in the amount totaling over {$2000.00}. I had no knowledge of these deposits until I was unable to log onto my NFCU account via the XXXX app. When I found out about this issue, I immediately called NFCU about the matter and they went ahead and open up a Fraud claim. Two weeks later, I got a letter in the mail stating that the claim was denied & I owed the negative balance on my account. I have been fighting this matter for seven months and each time I would speak to a Security rep, they would tell me that they are looking into the matter and will get back to me. That never happened, as I had to always make the first move. On XX/XX/XXXX, I spoke to another Security rep, as I was in the process of starting a new fraud claim to retrieve my checking account back. The rep told me that I didn't need to start another claim and the only way that I can get an appeal is if I pay the negative balance on my account. I should not be liable for paying back this balance, as I did commit the illegal actions. It is a major inconvenience, as I haven't been able to use any services that Navy Federal offers ever since last year & I had to pay off and close out my credit card that I had with them. I have been a loyal member with NFCU ever since XX/XX/XXXX & I would like to remain a member. | ||||||
| 05/23/2017 | Yes |
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Web | Servicemember |
| Recently, I was sent an invitation to join Navy Federal Credit Union. I applied online, and then received an email requesting additional identification documents with a link to upload them. I received a confirmation email saying that I would receive notification of my membership with in 10 business days. Three we eks later after not hearing anything, I called the phone number listed in the email. I was told there was a flag on my account. I was transferred to some department where a lady named XXXX informed me that I owe {$600.00} t o NFCU f rom XXXX . I told her I was a member a long time ago, but do n't recall when. She told me that I joined in XXXX , which I vaguely remember ; but I told her that I do n't remember when I last used my account. Since XXXX , I have filed for bankruptcy in XXXX , repaired my credit, paid ALL debts, and successfully qualified for a home loan. I explained that to XXXX , and asked why this debt was never reported to any collection agency or credit bureau. I also asked why a formal invitation had sent to me, if this alleged debt is blocking my joining. She mumbled something about records being purged. At that point, I told her that I had no knowledge of the debt other than her word, and informed her that I no longer have any interest in doing business with NFCU. This was a complete disservice, as I was required to submit some very sensitive information. It feels like a phishing scam. | ||||||
| 04/18/2023 | Yes |
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Web | |
| Upon reviewing my credit report, I noticed a Navy Federal Credit Union credit card that was not mine ; I contacted NFCU ; I did not open a membership or apply for a credit card. XX/XX/23 notified NFCU; confirmed that this was not mine ; NFCU closed acct; completed their Declaration of Forgery and Fraud Claim - cf # XXXX ; XX/XX/23 filed disputes with credit bureaus. XX/XX/23 called because I did not receive a confirmation letter ; no update XX/XX/23 contacted NFCU security, XXXX ; on hold 1 hour ; spoke with XXXX who was concerned the case was over 53 days with no movement ; escalated and provided case # XXXX XX/XX/23 called NFCU security, XXXX ; on hole XXXX & XXXX ; spoke with XXXX who confirmed no movement ; escalated again and provided email - XXXX ; XX/XX/23 I emailed XXXX the above information and requested an update ; no response as of XX/XX/23 XX/XX/23 contacted Florida Attorney General and received additional resources. I have applied for a position with Navy Federal Credit Union and am pending status ; I can not be hired until this alert has been removed. XXXXXXXX filed Federal Trade Commission Identity Theft Report I learned from the XXXX report that the address associated is XXXX XXXX XXXX XXXX SC XXXX or XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never resided at these addresses or city. I did not open a membership or credit card with Navy Federal Credit Union or authorize any one to on my behalf. | ||||||
| 06/16/2023 | Yes |
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| I am not reliable for this debt with navy federal credit union acct # XXXX, I do not have a contract with navy federal credit union they did not provide me with the original contract as I requested.In accordance with the fair credit reporting act.The list of account has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.I told the XXXX to reinvestigate this account however they stated everything was complete and accurate but how is that possible if the open account date, dates of last activity and much more is incorrect to 15usc1681 : ( 5 ) they are supposed to modify accounts that isnt reporting correctly.15usc1681 section 602A.States I have the rights to privacy.15usc1681 section 604A.section 2, it also states a consumer reporting agency can not furnish a account with out my written instructions.15usc1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15usc1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate also they are not in compliance with XXXX reporting I have evidence to prove my case. | ||||||
| 10/19/2021 | Yes |
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| The closing documents for my mortgage application were signed on XX/XX/2021. During the 3 day waiting period NFCU decided to pull out of the transaction citing they were unable to verify my employment. After submitting several verification letters from my employer and even going as far as hosting a three-way call between myself, NFCU, and our HR department, NFCU has persistently failed to accept any formal form of employment verification provided. Theyve even requested to speak to my direct manager knowing that this would not suffice in verifying my employment in an effort to stall the signing process. Furthermore, NFCUs reps have failed to respond to countless contact attempts via phone and email. Ive requested callbacks regarding either moving forward or cancelling the process to several NFCU reps at all levels of the mortgage lending team only to be ignored. Ive explained the severity of the situation theyve have put me in ; from the thousands of dollars spent caused by their delay to the countless hours spent by myself, my realtor, and the sellers team. Whats worse is now NFCU has taken what little money I had saved and tied it up in their unknown process so I cant even move to another apartment. Without a sound response from NFCU regarding this delay Im beginning to believe this lack of guidance and care could be due to my name/race. There is no other reason that makes sense based on the circumstances at hand. | ||||||
| 11/06/2019 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union is not providing validation to verify that three separate accounts belong to me. I will be uploading the considerable correspondence that has occurred regarding : ( 1 ) an auto loan ; ( 2 ) a credit card ; and, ( 3 ) an additional account that has not been clearly described in any written communication. I am requesting your assistance because when I wrote to secure the copies of the agreements for these alleged debts and a payment history to verify the amounts owed, I received a letter ( which I will be providing to you via upload ) saying that this information had been provided to the credit bureaus and that I should seek validation from the credit bureaus. I do not believe that this response is in accordance with the provisions regarding consumer rights under the Fair Debt Collection Practices Act. I believe Navy Federal Credit Union has this information and that their following comments are inappropriate and inaccurate : " We have investigated your claim and found the account information we furnished to the credit reporting agencies is accurate and that this debt is a valid debt owed to Navy Federal. If you wish to pursue this matter further, you may submit your dispute directly to the credit reporting agencies. '' I am hoping that you can intervene and help me secure the information I am seeking. I believe that Navy Federal Credit Union is the appropriate resource to provide validation. | ||||||
| 06/23/2016 | Yes |
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| On XXXX XXXX, 2016 in the morning i contacted my navy federal credit union and asked them to realease my direct deposit early in my checking account ending in XXXX, she did just that i also asked her to transfer money into my finance account the amount of {$100.00} and my other checking account was in the negitative of {$13.00} i made that positive i than asked her to give me the balance and than transfer the money into my account ending in XXXX she did n't do that so i begin to swipe my card the next day on XXXX/XXXX/2016 and now i am in the negative of {$67.00}. i spoke to a manager name XXXX on XXXX XXXX, 2016 and he credit both of my accounts {$20.00} and said i only owe {$180.00} in the XXXX account i put the money in that account on XXXX/XXXX/2016 i put {$200.00} in that account and that 's when i got the balance of {$47.00} that i owe based on the transations, i spoke to XXXX the supervisor on XX/XX/2016 and he did n't look forward into this matter he said he listen to the tape on both days and he would give me a call on XXXX/XXXX/2016 and i never received a call because he knew that he did n't look forward into this matter and sided with the young lady that was wrong and messed up both of my accounts.Now they are asking me to pay the money of {$67.00} i do n't think that i owe this money at all because of the neglect of the young lady not doing her job and transfering my money into my account ending in XXXX. | ||||||
| 12/10/2023 | Yes |
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Web | Servicemember |
| I telephoned Navy Federal regarding withdrawing funds from my account without my authorization. There were two occasions in which this occurred. The first occurrence they withdrew XXXX XXXX from my account and transferred it to my car payment. My car payment is {$1500.00} per month. At the time I asked the customer service rep why they would withdraw a partial payment from my account? He explained to me that it was a SYSTEM generated withdrawal. I explained to the agent that it makes not sense to withdraw a partial payment from my account because this caused my insurance payment to returned leaving the vehicle uninsured. The agent agreed to return the funds to my account. The funds posted within minutes. I also advised the agent they they are no longer authorized to withdraw funds from my account without my permission. The second time occurred XX/XX/XXXX, they withdrew {$1300.00} from my account again causing my insurance payment of {$700.00} to return. My car insurance will cancel because of this. I phoned them on XX/XX/XXXX and advise that I didn't not authorize them to withdraw funds from my account until on or after XX/XX/XXXX. The agent informed me that the agent a spoke to should have told me that the funds could be withdrawn early because it was scheduled for a Monday. I advised the agent to return th funds so my insurance company could be paid and I will allow them to with draw the funds on Tuesday instead. | ||||||
| 08/16/2021 | Yes |
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| I was previously in a Covid Forbearance with my mortgage lender, XXXX XXXX. I requested to come out of the Forbearance and was offered three options. The option I chose was modification which was the best for us in terms of monthly payment going forward. I chose this option without knowing that there would be an indicator placed on our credit as if we defaulted or did not play by the rules. The modification credit indicator may not allow us to take advantage of lower rates or other refinancing opportunities going forward. Even though we were never late on a loan payment before or after the Forbearance, we are being punished it seems. We were not warned that taking the modification option would negatively impact us for at least the next 4 years according to XXXX, XXXX XXXX. We applied for a loan through them and were told they could not help us because of the modification indicator on our credit reports. This will be a huge negative for many consumers as I'm sure many who have taken this option were not properly advised of the negative impact. During Covid, legislation and rules around mortgage loans have changed several times and I'm sure lending institutions are not managing loan programs uniformly. Can someone please reply back to me confirming that what happened to us was proper. If it was proper, I believe many consumers will be negatively impacted by this rule that seems to be resulting in unintended outcomes. | ||||||
| 04/29/2017 | Yes |
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| I had opened a new account with Navy Federal Creidt Union a fter it had closed out. I knew I owed money so I asked the teller if I had to pay anything additional and I did. The amount was {$200.00} for an overdraft fee so I had paid for it. I also owed money for my car loan which was about the same {$300.00}. I paid for that also. After paying he said I 'm in good standing with the bank and there would n't be any issues going forward. So then I proceeded to put {$1500.00} in to my new accou nt. Two days lat er I was looking to pay for something and I noticed all of my funds was gone. I noticed this happened on XXXX / XXXX / XXXX . They never gave me a warning and I never gave them the ok to take money out my account or have I signed any information saying that I ever will allow automatic transfers when I started the new account. I also never signed any paperwork starting this new account. This debit collector just took money without any of my acknowledgement and put me back on a few bills because of it even after me attempting to receive a portion of the money back to still put down on the amount that was lost. I talked to the head of the person that took the amount and they were extremely rude. She did n't care that I needed the money for my son and for rent. She literally told me that it did n't concern her and she have other people calling with more important issues then the one I 'm having then she hung up. | ||||||
| 02/21/2023 | Yes |
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| On XX/XX/2022 I reviewed my credit report and noticed that I had a charge-off with Navy Federal Credit Union . I sent them a letter on XX/XX/2022 asking them to validate this debt bearing my signature or a contract. I was then sent back bank statements with the creditor. On XX/XX/2022 I noticed that they did not mark my account as disputed within the 30 day time frame according to the law ( FCRA623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer reporting agency described in section 603 ( p ). ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) ). This company has broken the law by not only providing me with a copy of contract but also not by providing notice to the credit bureaus that the account was disputed. By law the company now has to remove the negative information from my credit report. This is negatively impacting me from getting loans or a home because of this false reporting. I am asking that this company to remove this negative information from my credit report. | ||||||
| 07/18/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX i have been attempting to by a house for over a year and ive noticed unauthorized unverified damages on my credit report 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items below IMMEDIATELY!!! XXXX. XXXX XXXX XXXXXXXX XXXX XXXX {$2.00}. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VOLATION!! Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! | ||||||
| 06/19/2022 | Yes |
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| To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : Navy Federal Credit Union - Account Number : XXXX Date Opened : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. | ||||||
| 04/27/2021 | Yes |
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Web | Servicemember |
| there is a charge I didn't authorize for XX/XX/XXXXXXXX for {$54.00}. this is being done by a supervisor in disputes that has been revising disputes on my account and charging my accounts and compromising my cards. Im going to go into a branch this morning and change my account numbers and credit card number since it's fraud on my account and customer service with navy federal is doing nothing. Im writing because I want this charge of XXXX removed and disputed and new account numbers given to me to secure my account. ive written the security department about this discrimination and no one is responding. this is being done to attempt to damage my credit with these unauthorized transactions. I am being discriminated against because of my race and background. this is fraud and I'm being discriminated against by this supervisor in navy federal in disputes that has access to my account information and keeps placing invalid transactions on my account as an attempt to get me to close my accounts and negatively effect my credit score which im trying to prevent. This is a free country and my first amendment gives right to free speech. I didn't violate any terms of navy federal and can not reach anyone in security to unblock my access to services on my accounts. I'll be going into the branch Monday morning. please remove this charge and investigate this supervisor at navy federal that is clearly a XX/XX/XXXX and a XXXX | ||||||
| 07/09/2020 | Yes |
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| I obtained my credit report at the end of XX/XX/XXXX. I saw that Navy Federal Credit Union reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that Navy Federal is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on Navy Federals Part. Furthermore, doesn't Navy Federal offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to navy federal, and I have emailed my short-term XXXX papers to Navy Federal. Please help. | ||||||
| 11/16/2017 | Yes |
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| On XXXX, I was supposed to have my paycheck direct deposited to my Navy FCU account ( checking ). My online account snapshot stated I had {$0.00} in Checking and {$0.00} in Savings. No other accounts were mentioned. On XX/XX/XXXX, I logged in to my account and it showed my direct deposit scheduled to hit the account. I called Navy Federal 2 ( twice ) times to ensure my funds would be available at midnight on XX/XX/XXXX. Both Representatives I spoke with, stated, " they would be available from XXXX on XX/XX/XXXX ''. When I logged on to my Navy Federal Checking Account at approximately XXXX on XX/XX/XXXX, my account showed I had a balance of {$0.00}. Upon further investigation, my account stated that my ENTIRE direct deposit was transferred to a credit card. I called Navy Federal and they stated I had an unpaid credit card debt and the ENTIRE amount was used for " collection purposes ''. None of this information was given to me and I feel was mislead. I am a single Mom who had bills scheduled to be paid from my Navy Federal Account which is causing hardship on my life and that of my child. I have not had any garnishments from my pay or any Court papers stating that I owed money. I feel like I was fraudulently mislead and lied to by my Credit Union who took my entire paycheck from me from debt I have not been given information about and that was n't apparent on my online account. I have screenshots if needed!!! | ||||||
| 04/26/2022 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union ( NFCU ) recently partnered with a non-affiliated vendor, XXXX XXXX XXXX XXXX ( XXXX ), to provide NFCU members with access to their credit score under a program branded as " Mission : Credit Confidence. '' I am a member of NFCU and was subscribed to the new program without my consent. The terms of the program require NFCU members to consent to the collection and sharing of personal information, such as social security numbers, income and financial information, marital status, etc., for use by XXXX 's and its advertising partners ( among others ). The main feature of the program seems to be sending unsolicited emails to the private email accounts of NFCU members advising them of changes to their credit score. A direct hyperlink to the program also appears as a click-thru banner on member secure account summary web pages and in NFCU 's mobile app. At program inception, and on divers occasions thereafter, I repeatedly communicated to NFCU my desire not to participate in this program. In a further effort to provide resolution, I was recently instructed by NFCU to enter the Mission : Credit Confidence program dashboard via my secure NFCU account and dis-enroll from the program. This is conclusive evidence that NFCU subscribed me to the program without my consent and may have breached its internal privacy policy by sharing my personal information with a non-Affiliate without my consent. | ||||||
| 10/05/2020 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2020, an unauthorized ACH transaction took {$2300.00} from my Navy Federal Credit Union ( NFCU ) checking account. I contacted NFCU immediately upon discovering this transaction -- informing them that I did not initiate the transaction. The checking account was closed and a fraud claim was completed. On XX/XX/2020, I received a letter from NFCU dated XX/XX/XXXX. The letter stated in part, " After a thorough investigation, we have concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$2300.00}. You have the right to request information concerning the investigation and how we arrived at this conclusion. '' Requests for the fraud claim investigation information have been made through several phone calls to NFCU, two visits to local branch offices, and by email. Each time, I was told that the investigation report was the property of NCFU and can not be shared with me and that it would have to be subpoenaed. Their letter stated that I the right to request information concerning their investigation, yet, repeatedly, I have been denied the information needed to submit an appeal. I feel that NFCU failed to protect my checking account and failed to take action to retrieve funds that were fraudulently taken from my account and transferred to a XXXX XXXX XXXX account even though they had the name of the individual and bank account information. | ||||||
| 09/06/2022 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union ( NFCU ) allowed one of their customers to fraudulent deposit 3 checks that were returned to me as overpayment. The checks went to an old address and I had no knowledge of it. Once I was given copies of the checks by the State of Georgia I reached out to the NFCU to make a fraud complaint. They found out who deposited the check, they wouldn't tell me who, but refused to give me my money back. They told me to go back to the check issuer and even to go back to the bank that issued the check. Why not go to your criminal customer and get my money back? They told me they have flagged the account and nothing else. I posted a review on XXXX and they, of course, troll those sites. They told me to reach out on social media and again nothing. They stated that I should contact the issuer of the check. It's a shame that the media can get done what a simple everyday customer can't. Businesses should not worry about their reputation only when it's negative in the media. If they worried about the complaint when it came in then it usually wouldn't get to the media. I have filed a police report but of course this is a low priority on their totem pole. NFCU should just do the right thing and return fraudulent gained money. I don't have an account with them but my wife does. This transaction has nothing to do with her account. The criminal just happened to bank at the same institution she does. | ||||||
| 10/11/2019 | Yes |
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| I initiated an international wire transfer with Navy Federal Credit Union on XX/XX/2019. To this day, the recipient has not received the funds. The last notification I received was via email stating my transfer was successfully sent to the Federal Reserve. I called Navy Federal Credit Union and they say they cant help me, but only try to get ahold the Federal Reserve, which I am sure they did not. They told me this is out of their hands and that if I get no response from them, that means my funds are lost. First of all, what kind of bank says this to their customer??? Second, I was charged a high exchange rate and paid {$25.00} for this transaction so they are fully obligated to cough up the money if this gets lost, since I did everything on my part correctly. The three American entities involved are Navy Federal Credit Union, the Federal Reserve, and XXXX XXXX ( which is the bank that Navy Federal uses for currency exchange ). This will turn into a lawsuit against all three companies if this is not fixed, very soon. I need to know where the wire is, if thats not possible, for some reason, even with the secure technology the banks use, one institution will need to cough up the money and place it back in my account WITH NO FEES OR DEDUCTIONS. This payment was made to pay my rent, but of course, the banks mess it up and they dont even care. This is why I am asking you, the government, to step in. | ||||||
| 12/27/2022 | Yes |
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| On XX/XX/2022 strange activity began happening to my banking account. Several unknown purchases were made. XXXX XXXX and XXXX payments were made to unknown personnels. This unknown person applied for a personal loan with my bank, using my name. I contacted the financial institution. We closed that account, recreated my login information, issued me a new card. An investigation was launched. On XX/XX/2022 I activated the newly issued card. Friday morning I was unable to login into my account. I called the bank they stated that they could not give me any information over the phone, so I drove a hour away to the nearest branch. At the bank I explained the situation. I reviewed the transactions with the bank rep. Again we closed the account, issued a new card and created a new login. Launched another investigation. The rep stated she couldnt provide me with any information about my accounts.Today XX/XX/2022 I am unable to login into my account. I contacted the bank I was instructed that I need to speak with the security team, who wasnt available today and that I need to contact them tomorrow morning. The person who I was speaking with was someone from the fraud department who wouldnt discuss anything with me. I strongly believe that someone from this banking institution is compromising my access. I have yet to receive any information from either investigation. I am left clueless, with no funds causing me debt. | ||||||
| 09/28/2022 | Yes |
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Web | Servicemember |
| I have had the financial institution of Navy Federal Credit Union, as my primary means to engage commerce since the late XXXX 's. I have experienced some health challenges that seriously impacted my functioning. The NFCU made the decision to close my checking account about XXXX. The account, remains closed to date. This eliminates any opportunity to I would have to engage in Point of Sale transactions with a debit card. I receive a compensation based on my military service and current health condition. The NFCU has always said once member always a member. Why is it acceptable that I do can not have debit card nor credit card, while my compensation is deposited my account? I have and continue to be shut out of engaging in commerce during a time that cash transactions are being less integral to daily life. I have attempted to resolve this matter in writing on the following dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. If you could assist me in this stalemate ; I would greatly appreciate it. No monies have been taken from me per se. However when NFCU sold account under name with the exception of my savings accounts, I have been limited to access proper nutrition, and all other aspects of my self care. As a XXXX XXXX XXXX of XXXX descent whom has XXXX to support the USA in the time of XXXX ; I have become dismayed. Is this what NFCU means by the mission is our members? Yours truly, XXXX XXXX | ||||||
| 01/24/2020 | Yes |
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| When I opened this card account with Navy Federal Credit Union in XXXX, XXXX, I was offered a low interest rate for a year on balance transfers made with the opening of the account. All was well and good, until the promotional period ended. I thought it odd that the interest charges didn't fluctuate as the balance should have continued to go down. I recently inquired as to why the balance on this balance transfer has never gone down one penny since the end of the promo period ended. I was informed by the Credit Union that, now that the interest rate on both the balance transfer and purchases are the same, the balance transfer balance will not be paid off until ALL purchases, past and present, are paid in full, even though I am making more than the minimum payments. So now, I pay the same amount of interest on this balance transfer every month, no matter what. They only apply enough of a " payment '' to keep it static and not to pay down the balance. It has remained at the same amount since XXXX of XXXX, and they collect the interest fees on it, despite the fact that I am not allowed to pay down the balance. None of this was explained to me when I opened the account. It was only after I inquired as to why it was not going down did an agent explain that it would not until ALL purchases were paid off. I feel like this was a bait and switch by this credit Union. I have never been late on a payment either. | ||||||
| 03/03/2023 | Yes |
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Web | Servicemember |
| I have filed two other complaints about Navy Federal Credit union - A few days ago they decided that the credit they already gave me on my XXXX XXXX card for fraudulent activity is now added to my balance of my credit card - I have a credit amount of {$15000.00} and now my credit card balance is over {$24000.00} When I called they told me it was found to be fraudulent and the credit would stand Navy Federal has ruined me - ruined my credit and ruined me getting bank accounts anywhere along with my credit rating going down. These companies that have fraudulently charged my accounts are from XXXX XXXX, XXXX ( a gift card buying web site ) of which I DID NOT PURCHASE ANYTHING FROM THEM OR RECEIVE ANYTHING!!! THE REASON NFCU IS DENYING THE FRAUD CLAIMS IS NO BILLING ERROR HAS OCCURRED. OUR DETERMINATION WAS MADE BASED ON YOUR TRANSACTION HISTORY, ACCOUNT HISTORY AND/OR DISCREPANCIES BETWEEN THE FRUAD CLAIM NAND NYOUR ACCOUNT NFCU OWES ME A LOT OF MONEY AND THYE ARE JUST DENING THE CLAIMS TO HURT VETERANS AND THEY BREALY DO NOT CARE ABOUT THE PEOPLE THEY SERVE. I NEED THE MONEY NAND THEY NEED TO HOPEFULLY RESTORE MY CREDIT RATING THIS IS AGAINST THE FEDERAL BANK REGULATIONS- IF YOU REPORT FRAUD IN A TIMLEY MANNER THEN YOU ARE NOT RESPONSIBLE FOR ANYTHING OVER {$50.00} - THIS IS THOUSANDS OVER NFCU HAS PUT MY CREDIT RATING BELOW 600 AND CLOSED ALL OF MY CHECKING ACCOUNTS AND WILL NOT REISSUE MY XXXX XXXX | ||||||
| 10/13/2021 | Yes |
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| Long story short : My sister initially opened an account for me at Navy Federal XX/XX/XXXX. I was told told that the teller that my sister can depsit my check into her account and she can send it to my account because they said my REAL ID from the USVI was not good enough and that I needed a FL ID. I got my FL ID then they needed to verify my social. I verified my social over 9 times ( SSA-89 form ) and Navy Federal still refuse to give me my deposited stimulus check after they closed my account in XX/XX/XXXX for whatever reason. They told me to come in person to get my money to no avail even after the manager told me that everything will be fixed that time. He even called me to come back to the bank to sign another paper that he forgot to give me to still no success there. I spoke to customer service several times and no help there. I even called the social security administration and they said my file is not flagged and there are no issues and still I'm not able to even get answers as to why I am having such a hard time REopening my account and getting my money back. I am not sure if when my sister opened the account she made an error with my social ( this is my only guess left ) but they would not tell me anything. My name is unique and they can still verify my Identity so why won't they release my funds. Lastly, my account is closed and I unable to access my money, but I still get my bank statements! | ||||||
| 02/22/2017 | Yes |
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| Consumer Finance, I contacted Navy Federal Credit Union ( NFCU ) on XX/XX/2017 to reactivate an old savings account over the phone. During that time on the phone with NFCU at NO time was I informed or authorized anyone to hard pull my credit. On XX/XX/2017 I was then notified by my Credit monitors XXXX, and XXXX that NFCU pulled a hard pull of my credit w/ out my authorization. I contacted NFCU customer service regarding this and they suggested I file a dispute with XXXX to fix the issue. I contacted both XXXX, XXXX, and XXXX to dispute this incident due to the fact I did not give permission for this pull or was I neither informed by NFCU it was going to be pulled. XXXX provided me with instructions to dispute NFCU 's mistake ; I contacted NFCU the same day to start the dispute process. All NFCU needs to do is to provide a letter. To be exact a Deletion Letter for Inquiry. Then I am required to mail said letter myself to XXXX along with a Cover Letter, and my XXXX File # XXXX. TransUnion will then be able to delete NFCU 's unauthorized mistake from my credit. Unfortunately, NFCU will not provide me with such letter after many attempts requesting it. I even suggested NFCU to call me so I could conference them in with XXXX so they could repeat the process to NFCU to fix the issue NFCU created. Consumer Finance thank you for taking the time to look over my issue and helping to resolve it. Respectfully, XXXX | ||||||
| 03/25/2023 | Yes |
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Web | Servicemember |
| I ; ve had an account at Navy Federal Credit Union for over 20 years. In XXXX I received a loan for a new car. I was discharged from the XXXX XXXX XXXX in XXXX because it was discovered that I had a XXXX XXXX XXXX and was given 2 years to live. Due to my condition being pre existing I was not awarded service connection benefits. I became homeless due to no income and lost the automobile. In XXXX NFCU wrote off the loan. My name was changed from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX. I fought the CA for my benefits and won in XXXX. I also had XXXX XXXX XXXX in XXXX at XXXX XXXX. The VA refused to perform XXXX stating that I would not survive or it would not help, In an effort to re establish my credit I started another savings account at NFCU under my new name. 3 years ago. I had an automatic deposit of {$100.00} going into my account monthly.. I had an emergency and visited NFCU to make a withdraw from my savings account. I was told I had a XXXX balance because my money was taken out of my account to pay off the car loan that was written off in XXXX. I was never informed of this. I never received any monthly statements regarding the credit unions actions. I never signed any agreement regarding this matter. That was an old account and old debt under my former name. I told the credit union they had no right to take that action. I asked for all past statements on the account and was not given any. | ||||||
| 11/13/2023 | Yes |
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| On XX/XX/2023 I created an online application to open a credit card and use a balance transfer special they had offered. Once applied, I received a response soon after, same day, that I was given the highest interest rate possible, despite XXXX credit scores, money in several accounts at the bank. I requested a review of the interest rate immediately, same day, and was denied. I immediately let the agent know not to open the account and close out everything attached to the account. This is all on XX/XX/2023 I was advised by the rep that they would close the account immediately and to disregard any cards I may receive in the mail. Shortly thereafter, I received a notice that I have a new account with this bank with a balance of {$5000.00}, the amount of the balance transfer which would have gone through had I opened the account. I spoke with a rep who said the balance transfer was processed the day AFTER the account was closed because I did not also cancel the balance transfer. However, the online site shows the balance transfer account was not opened until XX/XX/2023. Incredible. Why would I need to cancel a balance transfer that should not occur if I do not have a card to process it on. This new account balance opening fraudulently has impacted my credit score by a total of XXXX and I am very disappointed in the process of trying to have it resolved with the bank. Please help me, I am in Florida. | ||||||
| 10/24/2019 | Yes |
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Web | Servicemember |
| NavyFederal mortgage loan process. 1. Communication - from the get go no clear communication was established to let me know what step of the loan I was at. Every time I emailed the Loan officer and/or processor, I have had to call the main NavyFCU number get routed to mortgage department then see if they can put me through and send in an " Urgent '' message to them and their superivsor. This is the only way I have gotten responses. 2. Document portal - The fustrating this is that hey have 3 different portals and seems to me like they do not share information with each other or they do not have access to these different portal documents. I submitted documents for my loan closing ( which has been extended 3 times ) in which they said they never received documents, but in fact were uploaded 3 weeks prior to the first closing date and I screenshot the documents. 3. Customer Service - Very incompetent loan processor. From the first extension did she not mention one part on where to upload the document if she couldnt see them. I also emailed them to the loan processors email directly and yet she kept asking me for the same documentation. Very fustrating. My last time with Navy Federal period. I will be transferring all my assets and refinancing after a year to another bank. No more business from me. Period. Im still waiting on the fourth extension of the closing date on my loan to close on the house ... | ||||||
| 04/16/2023 | Yes |
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| On XXXX XXXX XXXX XXXX XXXX XXXX issued a debt instrument in the amount of XXXX ( negotiable instruments ) to Navy Federal credit union as the consumer. Nfcu declined my request for credit due to a credit report which is totally against my consumer privacy rights. Nfcu also used that information to determine creditworthiness which is a violation against my consumer rights and fraud.This is very disturbing because Nfcu has a charter here to serve the people and the constitution which are THE PEOPLE. THEREFORE I AM THE ORIGINAL CREDITOR U.S.C TITLE 1681a. Nfcu is in violation of there Fiduciary Duty to the consumer.I have fully lost faith in the banking system for misrepresention of Debt instruments ( U.S.C title 15 1692c ) when all debts are due to the United States. This is decit and fraud Nfcu is In fact in so many violations to me as the CONSUMER. To relief my pain and suffering due to Nfcu neglected to uphold the LAW AND THE CONSTITUTION I request that Nfcu release my credits owed to me as the consumer the credits I issued as the consumer in the amount of XXXX. I claim all rights, titles interest, and equity on promissory note issued to nfcu on XXXX XXXX XXXX for the amount of XXXXNfcu has caused a great deal of stress making it hard for me to provide the necessary items for my household and family needs through there decit. I WILL TAKE FURTHER ACTION IF NFCU DOES NOT HOLD UP THERE FIDUCIARY DUTY. | ||||||
| 11/20/2022 | Yes |
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| Account opened XX/XX/XXXX, my cousin provided me sponsorship to become a member. Accounts closed XX/XX/XXXX for fraudulent activity. No transactions had been made seeing as how account was less than 24 hours old before it was closed so I was not sure what type of fraud activity could have occurred in such short time. I called on XX/XX/XXXX and was informed membership is considered fraud, and I was not allowed membership through my cousin. My husband has since become a member and when he called to sponsor me for membership I was told I would have to wait on outcome of appeal before any new application can be submitted. I have appealed account closure decision twice, I have wrote CEO, VP, I went inside my local branch, and still nothing has been resolved. Received letter XX/XX/XXXX stating restriction will remain and accounts closed. Of I were committing any type of fraud I would not have went into a branch or appealed or called or emailed ceo, and would not be submitting this complaint. I feel discriminated against because both my mother and husband have obtained membership and yet even now im not given the opportunity to apply for membership through my husband. I assure you I had and I have no intentions on defrauding or being dishonest with navy federal credit Union, I'm an honest civilian, recently married, work XXXX full time jobs a mother of XXXX and recently XXXX XXXX more children. | ||||||
| 08/05/2021 | Yes |
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| On the date of XX/XX/2021, I entered a consumer credit transaction with navy federal in the amount of {$74000.00}. I'm exercising my right as a consumer to dispute an alleged debt under federal law. Pursuant to 15 U.S.C 1692g ( b ) As the consumer, I requested the name and address of the original creditor. Navy Federal shall cease collection of the alleged debt, or any disputed portion thereof until Navy Federal : obtains verification of the alleged debt, verification of the name and address of the original creditor, and a copy of such verification name and address of the original creditor, is mailed to me by Navy Federal. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section by federal law. If any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and for Defamation of Character. Also, if any of my accounts are frozen or closed for exercising my rights as a consumer, I will not hesitate in bring legal action against you and/or your client for the Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and for Defamation of Character. | ||||||
| 06/29/2020 | Yes |
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| Ok so pretty much this is with Navy Federal Credit Union. I originally went online to try and reopen an account that I once had over 15 years ago when I served in the XXXX. The reason why is because my current account had been closed through a digital bank without warning for no reason and if there was a reason I wasn't given that reason. I also filed a complaint about that. I did not hear anything from this bank for over six months so I decided to call. The first csr basically tells me because I was married so my last name is different in which I submitted the documents online. But I'm pretty much been given the run around simply to open a checking account and I'm furious it's apparent it's me if it's on my ID IF IM STANDING IN FRONT OF YOU IF IM VERIFYING THINGS ON THE XXXX ACCOUNT. but yet again they are asking to see the documents again. I am a XXXX XXXX so I'm not home during the week and it's super inconvenient for me to have to keep going through freaking rollercoaster rides for a simple account it's XXXX and I'm sick of it they need to relax their requirements of the person is clearly there and they have already submitted documents they should have to keep repeating the same XXXX thing over and over and you need to tell your csr to make sure they know what they are talking about before they give a potential client or cusomter the XXXX run around. Y'all should be glad people want to bank here | ||||||
| 11/28/2015 | Yes |
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Web | Servicemember |
| My complaint is about Navy Federal Credit Union. It has come to my attention that my current auto loan is now nearing almost 4 years of payments. I decided to go over the amount I have paid and what is left to pay on this loan. Based on what I have calculated I have not even paid off half of the original amount financed. Based on my XX/XX/XXXX - XX/XX/XXXX statement I have {$23000.00} left out of {$31000.00} that was originally financed XX/XX/XXXX. Additionally I have calculated out the last 11 months ' worth of payments which equaled {$4800.00}, to which {$1600.00} has come off of my principal balance. That means that {$3100.00} had gone towards the interest charged on my loan. The average amount that is getting paid toward my principal is {$150.00} and {$280.00} goes toward interest. That is nearly twice as much. Based on the figures that I stated above it would take me approximately 153.4 more payments to finish out this loan. That is another XXXX years on a loan that was only supposed to be for 84 months or 7 years. So this begs the question : Why am I going to pay 15 years on a 7 year loan? I would literally be paying {$67000.00} to pay off the {$23000.00} that is remaining. I renegotiated this loan XX/XX/XXXX to get a lower payment because of financial difficulties, but apparently the interest stayed the same, so nearly XXXX % of every payment goes to interest. This is ridiculous in my opinion. | ||||||
| 11/10/2023 | Yes |
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| On XX/XX/23 I was denied my own extension of credit which is fraud. I signed the application which they securitized and made a security. I wrote them a letter stating I am writing to dispute the adverse action taken against me by your institution, which I believe to be in violation of 12 CFR Part 1002 Regulation B, Title 15 U.S. Code 1602 ( p ), Title 15 U.S. Code 1644 ( f ), and Title 15 U.S. Code 1611. The adverse action in question pertains to the denial of my recent application for [ Credit Card ]. On [ XX/XX/23 ], I received a written notice from your institution, indicating that my application for [ credit card ] has been denied. The specific reason ( s ) as to why I was denied is irrelevant because I have the right to credit and withholding my securities is securities fraud! Your institution is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! In light of the above violations, I kindly demand, Since I have been denied access to my own credit, that you please retract my application! Please acknowledge receipt of this dispute letter within 10 business days and inform me of the actions taken to address my concerns. Should you require any additional information from me to facilitate this process, please do not hesitate to contact me. UCC-1 filed by the federal reserve system tells me that I am entitled to my own extension of credit. See attachments. | ||||||
| 12/21/2021 | Yes |
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| I began to notice more recently that my deposits were being held as pending - while transactions ( that had already been posted to the account ), eat away at the new deposit before funds become available. Navy Federal Credit Union then takes the money a second time claiming they put the deposit in first but that is not the case. A branch deposit was made on XX/XX/XXXX for {$1500.00} and did not become available until XX/XX/XXXX. I had {$3600.00} as of XX/XX/XXXX All transactions posted on XX/XX/XXXX were made and completed before XX/XX/XXXX, For example : XXXX payment ( instant payment ) of {$260.00} was made on XX/XX/XXXX but, per my banking statement it shows that transaction was posted on XX/XX/XXXX ( Same day the {$1500.00} was made " available '' ) Next example : I received {$260.00} on XX/XX/XXXX from my reimbursement for internet with my job. On XX/XX/XXXX I sent a XXXX payment for {$260.00} to my brother in law to pay the internet bill. This is supposed to be an instant transaction but when I looked at my statement it was deducted on XX/XX/XXXX. My Account is stating available balance is {$1100.00} Current Balance states {$1500.00} There are many discrepancies, my husband and I have noticed with our account and we would like there to be some sort of rectification. The Navy Federal Representative did not provide detailed explanation. This seems to be fraudulent activity by the company. | ||||||
| 05/22/2023 | Yes |
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| On XX/XX/2023 I mailed a certified letter to Navy Federal. The certified letter was picked up on XX/XX/2023 at XXXXXXXX XXXX the tracking number ( XXXX XXXX XXXX XXXX XXXX ). I informed them about the inaccurate being reported. It's the same account being reported two times on my consumer report. I have asked them to investigate, correct and delete the inaccurate accounts. Navy Federal continue to send the information back as verified. I sent them copies of my XXXX consumer reports showing they are the same account. I asked them to send contracts I signed with my signature, I have not received any correspondence from them. I called Navy Federal about this problem and was told to dispute it with the Consumer agencies. I told them they have to correct the information first. I could not get any help from them. I asked for the PROCEDURE how they investigated, I want the opt- out disclosures. I requested all correspondence be mailed to my address. Navy Federal has not sent me any correspondence. The two accounts have a balance of {$9300.00}, same open date XXXX XXXX acct # XXXX and acct XXXX XXXX These accounts are not being verified some need to be held accountable for not correcting the information. Other accounts XXXX opened XXXX for {$8300.00} and account # XXXX opened XXXX for {$6400.00} being reported as charge off. Delete these accounts. Charge off are not to be included on your consumer report. | ||||||
| 10/15/2018 | Yes |
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| I built a home and was set to close on XX/XX/XXXX. As I was walking into the attorney 's office I received a call from XXXX stating they just ran my credit and we had an issue. It is reporting that I have a mortgage that is in charge off status. I do not now and never had a mortgage. XXXX was able to speak with the creditors and verify the info as being incorrect. Problem solved with XXXX. XXXX on the other hand. No so receptive. I've made multiple disputes we with XXXX. I had a Mobile home loan opened in XXXX with Navy Federal Credit union. Which is a personal consumer installment loan. I received a Title with a Vin number. I did not have a closing. I have since built another home which I am scheduled to on XX/XX/XXXX. Again when my credit file is pulled. XXXX is still reporting it as a mortgage. Causing my to be denied. I was homeless for 2 weeks following the first accurence. I spoke with a supervisor @ Navy Federal ( Mr. XXXX XXXX XXXX XXXX ext. XXXX ) He is requesting that XXXX contacts him. XXXX is requesting Navy Federal to contact them. In the last 2 months I have contacted both @ least 15 times. Now when I call Navy Federal the counselor from the recovery that is assigned to my case refuses to help and keeps asking me " When do you plan on paying this? '' I have requested multiple times to not speak to her but keep sending it to her I need help A.S.A.P or I will be homeless once again. | ||||||
| 03/19/2022 | Yes |
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| ( 1 ) Navy Federal Credit union has failed to comply with THE TRUTH IN LENDING ACT and has created a deceptive form to undermine the laws put in place to protect consumers. NAVY FEDERAL CREDIT UNION ( NFCU ) failed to disclose to me, XXXX XXXX, a federally protected consumer my right to request a written itemization of the amount financed in conjunction with the disclosure of the amount financed. ( 2 ) NFCU failed to disclose to me, XXXX XXXX, a federally protected consumer a statement indicating whether or not I'm entitled to a rebate of any finance charge upon refinancing or prepayment in full pursuant to acceleration. ( 3 ) NFCU defined the term amount financed as The amount of credit provided to you on your behalf which is not same definition used in the The Truth In Lending Act nor does it have the same meaning and it also implies that the credit I received was given to me by NFCU and not extended. ( 4 ) NFCU defined the term total of payments as The amount you will have paid after you have made all payments as scheduled. Which is not the definition specified in The Truth In Lending Act nor does it have the same meaning. ( 5 ) NAVY FEDERAL CREDIT UNION has committed multiple violations of The Truth In Lending Act and created a deceptive form to undermine the federal laws put in place to protect consumers from abusive practices as such and to inform consumers of the actual cost of credit. | ||||||
| 11/10/2022 | Yes |
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Web | Servicemember |
| The Navy Federal member deals portal had a promotion where new XXXX drivers would receive XXXX rewards points to their 'More Rewards XXXX XXXX XXXX card after signup and XXXX completed delivery. I completed this offer around the XXXX of XXXX, but received no rewards points. On our around the XXXX of XXXX, I reached out to Navy Federal over the phone, and was transferred to different departments before I was told further documentation would need to be provided. I was told that I would receive a call back within XXXX business days, but never received said call. On the XXXX of XXXX, I received a message in the Navy Federal app asking me to attach supporting documents to assist in the case. I provided bank statements showing the initial deposit from XXXX, the XXXX welcome emails, copies of the background check used by a XXXX affiliate, and so on. On the XXXX of XXXX, I received the same automated message, asking again for the same information which had already been provided. As of today, XX/XX/XXXX, I have still not received the rewards points or any further correspondence. I have spent over XXXX hours on the phone with the different Navy Federal departments, and spent even more time going out of my way to gather the information they requested. I completed the promotion in it's entirety through the Navy Federal portal, and have provided more than enough information for this issue to be resolved. | ||||||
| 01/19/2023 | Yes |
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| NAVY FEDERAL CREDIT UNION Account number : XXXX Balance {$8000.00} Navy Federal has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site Navy Federal are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and XXXX to do an investigation. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft | ||||||
| 04/06/2016 | Yes |
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| On XXXX XXXX, 2016, I received a letter from Navy Federal Credit Union which advised me that my Home Equity Line of Credit was being suspended due to " a review of my credit history including a decline in my credit score '' This infuriates me because this credit line is a credit extension that is related to my home. Basically this change is a call in of a loan that to my understanding gave me a 20 year " draw '' period in which I was able to utilize the credit. This LOC is not even a year old. I was never advised that there was a minimum credit score that I had to maintain, nor was I ever told that they could call the loan in whenever they desired. I have never missed a payment since opening this account and was late only once because my direct deposit from my job did not take place on the date that it was supposed to and the ACH did not properly process. This payment was made as soon as I realized what happened. Navy Federal tells me in the letter that I can appeal their decision but I would have to pay for an new appraisal, which I believe was {$560.00}, so basically I can pay a fee to gain access to what I was already provided with. I believe that amounts to holding my account hostage. My home has not lost its value and my credit worthiness has not changed in relation to my ability to maintain my obligations and I should not have to beg for a loan on my home that I have already been given. | ||||||
| 07/07/2023 | Yes |
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Web | Servicemember |
| I purchased 2 tickets for XXXX XXXX back in XX/XX/2023 for {$320.00}. The show was in XX/XX/2023 and I never received the tickets. I contacted XXXX several times via chat asking for my tickets they told me that they were going to be mailed but they never was. Then I asked XXXX to let me get a refund, transfer, or sell the tickets but they wouldn't let me because they said they were being mailed. 7 days prior to the show they still were not mailed, I couldn't get a refund, transfer them, or sell them, so I reached out to XXXX again. A few days before the show they were available to mobile download and thats it. I couldn't use the tickets and so no one use the tickets. I disputed all of this with the bank, sent numerous chat messages between me and XXXX showing they wouldn't help me with the tickets. Eventually my bank credited me the money back {$320.00} after about a month after the dispute and I thought I got my money back. Recently, I noticed a withdraw on my account for the tickets again and so I called the bank and they told me that they were just balancing out my credit card account because I got a new card with updated expiration date and that I hadn't actually got charged again. Today, I got a letter in fact telling me they charged me again for {$320.00} saying XXXX didn't do anything wrong. It seems every time I have a dispute with my transactions my bank doesn't protect my purchases. | ||||||
| 09/01/2022 | Yes |
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| I am aware that consumer reporting agencies have received my nonpublic personal information from NFCU fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom NFCU has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies NFCU have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. NFCU furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe NFCU is criminal enterprise involved in conspiracies to cause restraint of commerce. | ||||||
| 01/23/2017 | Yes |
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| I have a credit card account with Navy Federal, I open this account XX/XX/XXXX. I opened the account because i was referred by a friend. When I tried to sign into my account to make my payment, they told me that I didnt have access to my account because I was not apart of XXXX. I let them know that I was referred, they told me that, since I was not directly in XXXX the locked the account. I told them my credit card was still working, and I just wanted to have access to my account so that I could make a payment and see whats going on with the account, charges and all that. I did not want to make payments blindly, not knowing the charges on my account, or if fraud or anything was going on and I didnt know. They would not give me access. I have called several times asking for access to my account so that I can know the charges on my account and to make payments. They have not given me access. I do not think its right to be restricted out of my account and expected to make payments, not know what Im paying for and the only way i can make a payment is calling customer service. My account is still open with Navy Federal, but they have locked me out, but still charging me late fees and etc, but not allowing me see whats going on with account. this negatively effecting my credit now. My account is now 90 past due, again i want to pay what I owe, but I would like to have access to my account to do so. | ||||||
| 10/16/2019 | Yes |
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Web | Servicemember |
| **I was led to believe from the Navy Federal CU mobile app that my credit card payment was not 30 days past due. **On Friday XX/XX/2019 the Navy Federal CU mobile app showed my account being 28 days past due. **I made the Payment on Saturday XX/XX/2019 and the NavyFederal mobile app now showed the account as being 31 days past due. **I have screenshots showing Friday XX/XX/XXXX 28 days past due & then Sat XX/XX/XXXX 31 days past due being displayed on their mobile app. -- - Both screenshots are attached to this complaint -- - **To make matters worse they did not even use my payment date but the posting date of the payment which ended up being XX/XX/XXXX because of the XXXX XXXX holiday. **Now when checking my credit reports I have a 30 day past do negative annotation on this credit account. **I then made several calls to Navy Federal credit Union and spoke to 2 separate managers in the credit card department. Both explained to me that there was nothing that could be done about the negative mark ( 30days past due ) that was placed on my credit report. **I have been a member of Navy Federal Credit Union for 25 years since my enlistment in the XXXX XXXX . I have never had an issue and have always been treated fairly. I have had the credit card for about 2 years and have never made a late payment. **I would very much appreciate if the negative mark on my credit reports was removed. | ||||||
| 04/17/2023 | Yes |
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| Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : NAVY FCU balance {$0.00} 30days late NAVY FCU balance {$3100.00} 60 days late account reporting CLOSED Thank you, XXXX XXXX | ||||||
| 10/19/2020 | Yes |
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Web | Servicemember |
| Navy Federal and XXXX are still reporting XXXX old Navy Federal accounts that should have been deleted since XX/XX/XXXX. I am not saying the accounts are not valid. I am stating that under the fair credit reporting act, credit bureaus are not supposed to report after XXXX years. On XX/XX/XXXX it was officially XXXX years so these accounts should be deleted. These are Navy Federal account have a balance of {$5300.00} and {$2500.00}. I want both of these accounts removed from XXXX since XXXX years has passed on XX/XX/XXXX. XXXX and XXXX have already deleted. Like I mentioned Im not saying the accounts are not valid I am saying that they are too old to be on my credit report with XXXX. I hate dealing with XXXX they always difficult and report information incorrectly often. All three credit bureaus suppose to be reporting the same information. Why would first delinquency be in XX/XX/XXXX for XXXX and XXXX but not for XXXX? XXXX is not following the law and reporting incorrectly. When I dispiute with XXXX they say the credit reported as accurate but that's incorrect. Once again I am not saying the debt or accounts are not valid but I am stating the fact that both accounts the first delinquency is XXXX XXXX XXXX as as of XX/XX/XXXX. So is it that XXXX thinks they can do whatever they want and report different? Why there always problems with XXXX I don't have same problems with XXXX and XXXX | ||||||
| 11/13/2023 | Yes |
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| In XXXX of XXXX I reached to the account manager XXXX XXXX at Navy Federal to discuss Accounting on the account. Previously I made all payments to the auto loan from a personal account with another bank to Navy Federal. I realized that in addition to accepting my payments, XXXX XXXX Navy Federal were also illegally transferring payments from the business savings account that I had also established at Navy Federal prior to financing the car in XX/XX/XXXX. Once I realized this I called and spoke with XXXX XXXX as the appoints rep for the car account. After discussing the matter, requested the original car contract and all accounting on the vehicle which the bank found difficulty in providing. They then provided a titled promissory note that was day to late XXXX of XXXX with an unrecognizable signature. Since discussing the contract and accounting with XXXX XXXX in XX/XX/XXXX I sent several letter requesting informations and details to resolve this matter. I've called several times over months and did not respond to any letters or messages or phone call i made. On XX/XX/XXXX my car was repossessed by a third party hired by XXXX XXXX and Navy federal. I was not made aware of the car would be repossessed and could not again get in touch with him or anyone who could discuss my concerns until the following week. Under Navy Federal, XXXX XXXX XXXX has violated the law and my rights as a consumer. | ||||||
| 08/27/2023 | Yes |
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| I got approved for a Navy Federal checking/savings about a month ago. I switched my direct deposit recently and this week was the first time I received direct deposit to the account. XX/XX/ I was approved for a secured credit card with them and they deducted the {$200.00} deposit from my savings and sent me an approval. I used my debit card a few times after on XX/XX/XXXX XXXX XXXX when I tried to make a purchase it declined. I opened the app which told me to call. They advised that my account was going to be closed due to fraudulent sign up ( I signed up through my sister- immediate family member ) and I would have no access to the remaining funds on the account until this process was completed, the security team is closed on weekends so theres no one else I can speak with, and the supervisor hung up on me. I called back and advised I was not sent notice of this and was unable to feed my children due to the circumstances and was disconnected yet again, intentionally, by another supervisor. I advised them I would not be able to come into a branch because I was unable to get my vehicle fixed due to this mishap and the closest branch is about 4 hours from me. My entire paycheck was deposited into this account which Ive now had no access to for over 24 hours. The agents lacked training and empathy. I never received a notice requesting documentation proving I am eligible which I very much am. | ||||||
| 08/24/2021 | Yes |
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Web | Servicemember |
| I started my mortgage loan application in XX/XX/2021. It is now the end of XX/XX/2021 and I still have not closed. The underwriter is discriminating against me. I have a XXXX credit score, {$30000.00} cash in the bank, Approved Appraisal, Approved DTI, approved title and now after submitting final conditions, the underwriter has again heaped upon me new " catch 22 '' conditions that have nothing to do with the loan. The underwriter demanded that I have 6 months of reserves in my bank account which is NOT a VA loan guideline. I complied and now the underwriter has come back with ridiculous requests that are NOT VA loan requirements. The loan is only {$140000.00}. This is criminal and bigoted to treat people this way. Navy Federal has dragged this process out to approx. SIX MONTHS! Unsatisfactory. I am a XXXX Veteran who is qualified for this VA loan, and I am being denied from closing on it. I am now having to go to another lender after SIX MONTHS with Navy Federal Credit union stringing me along, discriminating against me and not closing my loan. I have been stressed out for half a year trying to close a simple {$140000.00} loan to no avail. Avoid Navy Federal Credit Union at all costs. I realize that nothing will change, but at least I can warn people of the corruption and bigotry at Navy Federal Credit Union. I will be closing all three of my bank accounts with this corrupt institution. | ||||||
| 06/07/2018 | Yes |
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| I have a closed credit card account with Navy Federal Credit union. The card did go into default, but several months ago the parties came to an agreement regarding repayment. The account has been paid on time in accordance with said agreement -- payments in the amount of XXXX per month for an agreed upon period of time. The bank continues to report this account in default and in collections when it otherwise should not be, and which is contrary to the terms of our agreement. Moreover, by not updating the amounts received and a reduction for the purported balance owed, the information being reported is inaccurate. Also, I have requested now on numerous occasions to be sent a copy of the agreement that was reached prior to the first {$150.00} that was paid. It has now been three payments later ( 3 months later ) and I have yet to receive a copy of our agreement. I have now made several calls attempting to address this issue with the bank and they refuse to provide the agreement. This information I am told is well documented in the notes on the account as a reference for your investigation. In addition, I have notified XXXX, along with the other major credit bureaus of this issue and they have not been able to resolve this problem. I am requesting that the company remove this account from collections and notify the three major credit bureaus of this change to the status of the account. | ||||||
| 07/24/2017 | Yes |
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| I have previously provided Navy FCU the Official Investigative OPM Notice of compromised personnel files, along with my statement regarding ID theft/fraud associated with the Navy FCU Account, XXXX .... On XXXX XXXX, 2015, after Navy FCU received a payment of {$420.00} and notice of the ID theft/fraud associated with the card, Navy FCU charged off {$22000.00}. The balance at the time showed {$21000.00} but Navy FCU charged off {$1200.00} more than the balance on the account and placed deleterious information on each of my credit reports. Navy FCU has repeatedly refused to provide to me the information which I have the right to obtain from a debt collector that being strict proof of my obligation to pay this debt when I have contested it as fraud. According to the OPM Notice, had Navy FCU acted timely, there was a method in place to be compensated but Navy FCU simply passed the debt off as mine and has remained stalwart in their position. On information and belief, Navy FCU perfected fraud when they placed an up charge on the account in the amount of {$1200.00}. Further, Navy FCU has refused to validate the alleged debt, a violation of FCRA. Due to the identity theft and the fraudulent purchases associated with the account, Navy FCU should respect the OPM Notice and the fraud report and either block this information from each of my credit reports or block this information from my accounts. | ||||||
| 07/23/2015 | Yes |
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| I fell victim to the housing crisis like many around 2008. At the time I was lost my job while simultaneously going through a divorce. I was forced to file bankruptcy. One of the debts discharged in my bankruptcy was a installment loan for a car that was stolen and later recovered. That installment loan was with my bank Navy Federal Credit Union. Once I filed and was discharged the bank cut off online communication. My accounts remain with a positive balance however my access is restricted as a penalty. I was told by the bank that the only way to restore my normal access was to repay the lost of the debt. The bank recovered the vehicle after the bankruptcy and sold the vehicle however, they are stating that not only will be required to pay the debt to gain the access that I previous had but I have to pay the full amount discharged and that the profits from the sale would not be credited. I have read the disclosures I was able to find from when I opened the account and there is no mention of limited or restricted access for discharged debts. Not only is my access restricted but another account for which I am only the secondary authorized user on is also restricted. From my understanding a creditor can not take action for a debt after the debt has been discharge in XXXX Bankruptcy Court. I find this practice discriminatory and a way to force consumers to pay a debt that has been discharged. | ||||||
| 05/29/2020 | Yes |
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Web | Servicemember |
| I took out a credit card to pay a lawyers fee for my divorce in XXXX. I used {$2500.00}, I believe. I paid dutifully on this credit card every month for over 15 years. The credit union stated that I still owed {$1100.00} when I stopped working and missed a payment and the account was taken off of my account online. I have been taking care of my mother for the last few years. I have had very little income during this time. The credit union wanted me to pay the balance but I could not afford to do t his. I spoke to them and complained about the amount I had paid on the original debt, It was 10 times what I borrowed and I had no money to give them. I recieved an unemployment check for {$4000.00} due to Coronavirus measures, and they took the full amount out of my account and refused to return the funds. We need this money badly. I had debts that needed to be paid immediately, we needed food and bedding and clothing and household equipment replaced. I asked them to make a payment arrangement with me instead, but they refused. I believe this is illegal to take a large amount from relief payments. I would like this money returned to me. If needed, I can pay the {$350.00} they offered XX/XX/XXXX, but can not afford to have the full {$1100.00}, and further do not believe it is fair for them to withdraw this without any notice. I will only go further into debt due to this withdrawal. Please help. | ||||||
| 05/23/2023 | Yes |
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| I wired transferred XXXX to Navy Federal Credit Union to XXXX XXXX, XXXX to Act. No XXXX, XXXX. No XXXX. Her address is XXXX XXXX XXXX, XXXX, XXXX XXXX. The money was supposed to be for a cruise for the fans of XXXX XXXXXXXX XXXX. I got sent a ticket but it was bogus. I notified both cruise companies listed and confirmed that with them. I filed complaint with FBI an I9 or IC. I noticed my bank who got in contact with Navy Federal Credit Union. Nothing has been done. XXXX XXXX XXXX notified me saying I called back the funds so she was not sending me my money. I asked her for proof that the money was sent back but she refuses. I checked with my bank and nothing. So either Navy Federal Credit Union kept my money or XXXX XXXX did and now she is saying that XXXX XXXX XXXX will contact me. So obviously the manager XXXX XXXX with XXXX XXXX from XXXX is involved in all of this also. XXXX XXXX XXXX is ex XXXX and shouldn't be that hard to track down. I'm sure the XXXX wouldn't appreciate knowing one of their own is out there scamming people out of their money. The people involved were XXXX XXXX @ XXXX XXXX and XXXX on XXXX both those accounts are linked. Then XXXX XXXX on XXXX. Also, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX is refusing to give me my money back same with Navy Federal Credit Union. They have no proof that money was returned to me. MY bank can confirm that. | ||||||
| 03/28/2023 | Yes |
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Web | Servicemember |
| I was informed after my husband was XXXX that there was a credit card opened in my name as primary account holder through NFCU. I have Never applied, had access to or knowledge about this, nor permission. When I inquired about a contract or proof of identification, I was informed through NFCU & this XXXX XXXX that all they knew was that it had been opened Over the Phone from a Females Voice. I asked for this recording, they cant provide. I have filed with Identitytheft.gov, my XXXX XXXX account was also compromised and they were a fast responding company that figured out the fraud and refunded me promptly. Ive filed with the XXXX, and all three Credit reporting agencies. I have a vehicle loan through NFCU, informed me I had to open my own checking/savings account to transfer money into and make the monthly vehicle loan payment. I logged on to do the money transfer into vehicle loan and there were no funds in my account. Upon calling NFCU/XXXX XXXX I was informed this fraudulent card could withdrawal money from my personal checking if there was a payment due on this fraudulent card and that I should know this because it was in my contract. I informed them yet again I NEVER signed a contract, Ive never been provided one, because they dont have one. So now approximately XXXX was stolen from my personal account into this fraudulent/Identity theft credit card without my consent or knowledge. | ||||||
| 04/02/2022 | Yes |
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| I mailed Navy Federal Credit Union a debt validation and cease desist notice in XX/XX/XXXX for validation of the alleged auto debt. They received both notices via certified mail ( XX/XX/XXXX ) and had 30 days to respond with information to validate the date. Navy Federal Credit Union failed to send back the required information to validate the alleged debt which is a violation of 15 USC 1692g. Pursuant to 15 USC 1692g ( b ) Navy Federal Credit Union is in violation for not ceasing collection of the alleged debt or any disputed portion thereof until I the consumer received a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor. Navy Federal Credit Union proceeded to mail me a debt validation letter ( XX/XX/XXXX ) that was inconclusive and did not include the name of the original creditor. Navy Federal Credit Union proceeded to share my location information and send an unauthorized third party ( Final Notice XXXX XXXX and XXXX XXXX XXXX to private property to steal my property ( XX/XX/XXXX ) and that is a violation of 15 USC 1692c ( b ). Navy Federal Credit Union also mailed me a " NOTICE OF REPOSSESSION AND OUR PLAN TO SELL PROPERTY '' notice ( XX/XX/XXXX ) which is a violation of 15 USC 1692e. Navy Federal Credit Union is also not registered to do business in the state of Maryland. | ||||||
| 06/16/2020 | Yes |
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Web | Servicemember |
| My beau, XXXX XXXX, and I opened a joint account with navy federal. During the application process, XXXX selected the incorrect option to establish his eligibility. He thought the selection he chose was for household eligibility. However, he received an email today requesting a marriage certificate. It's already taken a few days too long to open the account and was wondering what the delay was. No one from the membership department reached out by phone to inquire or to offer a solution ; yet they sent an email. I called the bank customer service and reached an operator agent named XXXX. After explaining to XXXX several times I am the joint owner, which means we both own the account 50/50 and im already a bank member. The issue could be fixed internally, especially after I reiterated we are not married. In the wake of COVID19, NFCU is trying to compel me to leave my home to visit a branch like the XXXX didn't just report 30,000 new infectons this week. XXXX refused to give me his supervisors name nor would he provide additional identifying information to locate him. I asked XXXX seven times to speak with his supervisor and he refused. He taunted that he would not lose his job and he was very secure. The call being recorded on my end as well, I am definitely sending to XXXX. I have been a member with NFCU for a while and never have I ever had such a disgusting display of customer service. | ||||||
| 08/29/2023 | Yes |
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| Last XXXX I was a victim of fraud by obtaining a car loan check to purchase a vehicle but the check was cashed and I never received the vehicle. I informed the bank of this right away but was informed nothing they can do since the check was cashed and I was the guarantor of the car loan. So I am out of XXXX XXXX and have not vehicle. I have been communicating with Navy Federal about this and they made it very difficult to send them information and receive information. No one has taken the time to hear my story. You have to wait on the phone que for 2hrs, its a national crime and it seems like they are not doing anything to help members, in which i been a member since 2013. I followed all necessary steps to state my case in which I had to fill out there Declaration of Forgery/Fraud form, the form was filled out, but only to received a letter 30 days letter stating I am responsible for the XXXX XXXX loan. In order for me to file a police report I needed the form to give to the Police Department. I requested a copy of the Declaration of Forgery/Fraud form but was informed I needed a subpoena from the Police Department XXXX I am only able to receive a subpoena once I have a court date. I need the form to send to the police report to file a police report. Navy Federal was not helpful and refused to send me back my original documentation that only has my personal information on the phone. | ||||||
| 12/29/2021 | Yes |
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| I recently sent Navy Federal Credit Union a certified notice letting them know that all my consumer reports are reporting a late payment for {$21.00} XX/XX/XXXX, and this is a violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME ( XXXX XXXX XXXX and the person ( NAVY FEDERAL CREDIT UNION XXXX making the report is not INCLUDED on my Consumer report! A Late payment is a transactional history between me and Navy Fed and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. I gave them 10 calendar days to delete the late payment and update my consumer report for XX/XX/XXXX as paid and positive. Based on the certified tracking Navy fed received my letter regarding this matter on XX/XX/XXXX. It is now XX/XX/XXXX and Navy Fed has not complied with the law found at 15 usc 1681a2 ( A ) ( i ) I have attached the Certified Return card, receipt when i mailed it out, the letter that was sent to the CEO XXXX XXXX of Navy Fed, and my Drivers license | ||||||
| 12/21/2022 | Yes |
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Web | Older American |
| On or about XX/XX/2022, I received a Navy Federal Credit ( NFCU ) credit card of which I did not apply for, on or about XX/XX/2022 I received a credit card statement in the amount of {$7500.00} XXXX immediately telephoned NFCU to report the suspected identity theft to which they said they would look into it, they also advised that I alert all credit reporting agencies of the situation. During that call the customer service rep indicated that I complete a Declaration of Forgery/Fraud document and return to them. I completed the form and returned along with the unused credit card, the statement and sent via XXXX certified return receipt. I have received the XXXX receipt indicating that the documents were received however I received the next month 's statement, upon receiving that I telephoned again and explained the situation and they claim that the did not receive the documents and suggested that I send the Declaration of Forgery/Fraud via email of which I did. I have now received a letter from NFCU stating that legal action will be taken as this account is in arrears. I have reached out no less than XXXX times to NFCU for relief asking that this matter be rectified, and my credit be restored, and this account be removed from my name along with a letter indicating such. I am seeking relief and guidance to clear my name and credit of this unauthorized use of my name and information. | ||||||
| 09/14/2023 | Yes |
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Web | Servicemember |
| Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Navy Federal, XXXX XXXX XXXX, XXXX, VA XXXX. USPS Certified Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. USPS Certified Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 2nd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice. USPS Certified Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. USPS Registered Mail Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) | ||||||
| 11/07/2017 | Yes |
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Web | Servicemember |
| My husband and I are victims of and had our rights violated after my husband ( who at the time was an XXXX XXXX service member ) received a XXXX $ auto loan from Navy Federal Credit Union ( which was his bank during his military service ) who then started harassing us a year after receiving the loan because we fell a month or two behind on payments. Navy Federal Credit Union began making false threats about debt collection against us, and made multiple threats to us stating " pay or be sued! '' Navy Federal wrongfully froze us out from our account all because we had a delinquent loan. Navy Federal Credit Union ruined our credit as they reported it to go on our credit reports and also added on a large amount of fraudulent fees to the delinquent loan which made our credit report appear very poor and it caused years of living of denial due to our negative credit rating thanks to XXXX XXXX. The overwhelming harassment and threats started in XXXX up until XXXX. We have our credit reports to prove this as well as a few other documents to prove we were violated by Navy Federal Credit Union. We believe we are owed money and were never properly notified due to recent moves and believe we are entitled to the settlement XXXX XXXX was ordered to pay out to customers violated. Please contact XXXX or XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. our address is XXXX XXXXXXXX XXXX, XXXX Ohio XXXX. | ||||||
| 08/12/2016 | Yes |
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| I have several loans with Navy Federal Credit Union. I have a vehicle loan of which they are trying to deceive me every month by stating that I have to pay the next months car payment in the present month which will if im not paying attention I will pay 2 months because they 're trying to make it seem as if my payment is more than it really should be for the month. My normal car payment should be almost XXXX per month but I always pay XXXX. This month my car payment amount on NFCU website says this : Payment Due Due XXXX/XXXX/2016 PAY {$780.00} I copied it from their website. I contacted the NFCU and their representative stated that if you do n't pay your payment before the XXXX that the computer automatically changes your due amount to include the next months payment to include both which will have you payment amount being 2 months. Surely this ca n't be legal if I were an elderly person and just paid what was on the website who knows how much money they would take from me. I would like for NFCU credit union to stop misleading me by sending incorrect amounts for me to pay every months on statements for all of my accounts that I have with them I 've asked them to send the correct amount yet they still continue to send the incorrect amounts to me. I think that the Navy Federal Credit Union should be fined for this type of behavior. In the past they would never do something like this. | ||||||
| 03/11/2021 | Yes |
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Web | Servicemember |
| Good evening my name is XXXX XXXX. I see i was given a credit of XXXX $ to receive my {$600.00} stimulus check in XX/XX/2020. I was not told said credit would be removed when i checked my acct today. My checking account is negative {$1000.00}. If i was advised or told by NFCU that this credit to access stimulus payment was temporary I WOULD HAVE NEVER WANTED IT. I DIDNT ASK FOR THIS CREDIT AND NOW ITS BEING TAKEN AWAY! I REPEAT I WASNT TOLD THIS WAS A CREDIT THAT NFCU WOULD TAKE BACK. This is the most unfair thing thats ever happened to me ... I was fine with how my acct was. With my stimulus payment my acct wouldve been negative {$100.00}. I was getting paid following week as well. I looked at my acct and thought the government was helping me out. BUT NOPE THIS WAS JUST TEMPORARY AND I WASNT TOLD IN ANY NOTIFICATION OR AT ALL. IM FURIOUS. I HAVE BILLS TO PAY and NFCU DOES THIS. SOMETHING I DIDNT ASK FOR. I DIDNT WANT THE CREDIT. SHOULDVE LEFT MY ACCOUNT!!!! THE REP I SPOKE WITH DIDNT SEEM TO UNDERSTAND WHAT I WAS SAYING! SHE TOLD ME I WAS RESPONSIBLE. FOR SOMETHING I DIDNT ASK FOR!!! IF YOUR GIVING A CREDIT TO ACCESS A GOV PAYMENT THEN BE TRANSPARENT AND SAY IT HAS TO BE PAID BACK ....!!! I WASNT TOLD THIS. THIS IS THE WORST EXPERIENCE IVE EVER HAD WITH A BANK BY FAR. I didnt ask for a credit to access my stimulus knowing they would take it back. MAKES NO SENSE ... please help me | ||||||
| 10/11/2023 | Yes |
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| I received a letter in the mail from my mortgage company, Navy Federal Credit Union, stating that my homeowners insurance carrier, XXXX, no longer has an acceptable financial rating. Therefore, I must find an insurance company that currently has a financial score of XXXX or above. I then contacted XXXX and received documentation showing that their financial rating is XXXX and has a long term rating of XXXX. I contacted Navy Federal on XX/XX/XXXX and XX/XX/XXXX to resolve this issue. On XX/XX/XXXX Navy federal told me that their system is unable to process the homeowners insurance from XXXX. On XX/XX/XXXX Navy Federal stated the same thing that they previously stated, so I asked to speak with a manager. I was told that one will call me in 24 to 48 hours, and that they will request a review of my complaint. I went ahead and collected multiple quotes from other insurance companies, which the companies were either refusing to insure homes in California or their quotes were much more expensive with less coverage than my homeowners policy with XXXX. I have been with XXXX since XXXX, have multiple policies with them, and have never had any issues. I refinanced my home loan with Navy Federal in XXXX and have had issues with them for the full 3 years of the loan. I have the letter that was sent to me from Navy Federal as well as the document from XXXX showing their current financial score. | ||||||
| 04/21/2022 | Yes |
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Web | Servicemember |
| navy federal credit union is destroying this veterans life and keeping him XXXX and XXXX. I'm a XXXX veteran XXXX with no money no income and no assets. Navy federal is falsely and illegally continuing to report a 10 year old credit card account which I DO NOT Acknowledge, DO NOT OWE, and have no knowledge of. THis ALLEGED account is OVER 10 YEARS OLD AND WILL BE REMOVED BY FEDERAL FCRA LAW. STOP DESTROYING A VETERANS LIFE THAT IS XXXX WITH NO MONEY OR ASSETS. I DO NOT OWE THIS ALLEGED DEBT NOR COULD I PAY IT IF I DID AS A XXXX XXXX NO INCOME VETERAN. NAVY FEDERAL IS ALSO GETTING AWAY WITH FALSE OLD AGED REPORTING BECAUSE MY CREDIT REPORT ONLY SHOWS A COUPLE YEARS OF ACCOUNT HISTORY, WHEN THE ACCOUNT IS OVER 10 YEARS OLD, AND ACCORDING TO FEDERAL LAW, NEEDS TO BE REMOVED IMMEDIATELY!! ARE YOU HAPPY NAVY FEDERAL? DO YOU ENJOY DESTROYING LIVES, LYING ON A CREDIT REPORT, AND VIOLATING FCRA? REMOVE YOUR ACCOUNT IMMEDIATELY!! NOTHING SERVES YOU KEEPING A XXXX VETERAN XXXX AND LYING ON A CREDIT REPORT. NAVY FEDERAL HAS BEEN REPORTED TO THE NATIONAL CREDIT UNION ADMINISTRATION, THE XXXX ATTORNEY GENERAL, THE XXXX ATTORNEY GENERAL, THE CFPB, AND THE XXXX. I WILL OBTAIN A FIRST AMENDMENT LEGAL PERMIT TO PICKET YOUR LOCATIONS WITH A SIGN THAT READS " NAVY FEDERAL XXXX XXXX XXXX. '' I WILL CONTINUE TO FILE COMPLAINTS UNTIL THIS ALLEGED, OLD, AGED, FALSE ITEM IS REMOVED FROM MY CREDIT REPORT. | ||||||
| 04/13/2022 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is discrimination! YOU BROKE THE LAW!! Dear Navy federal credit union On ( XX/XX/XXXX ) I used my credit card as defined under 15 U.S.C 1602 ( a ) ( 1 ) To extend myself credit through your company. I was denied on ( XX/XX/XXXX ) I received an adverse action letter from your company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 U.S.C ( 1691 ) ( a ) ( 3 ). I in good faith excercised my right to extend credit as a consumer, and a creditor and I was denied for no specific reason. You also violated federal law and you will be hold civilly and criminally liable because you violated 15 U.S.C 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the card holder and consumer received no benefit. You are now civilly and criminally liable under. 1.15 U.S.C ( 1611 ) 2. 15 U.S.C ( 1640 ) 3. 15 U.S.C ( 1691 ) ( e ) 4. 15 U.S.C ( 1642 ) To preserve the judicial economy, and save us both time and money in court. I am willing to settle this matter for the following. Extend me the credit I applied for! Reference # XXXX If you fail to comply I will not just stop at a civil complaint I will file a criminal complaint against your company as well. I am giving you 30 days to respond to my demands.. This letter is also being CC-To the CFPB and CC- To the attorney general. | ||||||
| 07/30/2021 | Yes |
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| On XX/XX/21 I called Navy Federal to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties. A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option. | ||||||
| 06/18/2020 | Yes |
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Web | Servicemember |
| Navy Federal. Has not being reporting my credit cards to the credit bureaus. I have been on my husbands account on one of them since XX/XX/XXXX. They inadvertently deleted me from the account in XX/XX/XXXX. Then we had to add me back on, they stated he deleted me from the account in which he told them he as not. The credit card was deleted from credit. Since then we have been trying to get it reported. They said they have been. I have contacted all three credit bureaus and they said I was deleted per their request and to have them reinsert the credit card into the 3 agencies, This is credit card is for then one ending in XXXX the secure credit card. We have also opened another credit card with navy federal, their cash rewards card. We have complained it was not showing on the credit bureaus also. Under my husband XXXX XXXX XXXX it showed up on XXXX XXXX and XXXX, but not on XXXX. But it was not reported to any of the credit bureaus for myself. They stated they have been sending the reports to the credit bureaus, But nothing has shown up. I would like to them to fix this issue that has been going on for almost 10 months. They always try to give us the runaround stating just be patient, or just report it as a credit card not being reported. I have done the dispute process with all three credit bureaus ; the results all come down to Navy Federal not reporting it per their findings. | ||||||
| 06/28/2022 | Yes |
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| Navy Federal Credit Union attempts to collect on amounts already paid while failing to update the tradeline or add that the debt was disputed previously. The bill with a due date of XX/XX/2022, was paid on XX/XX/2022, via certified mail return receipt requested Ref # XXXX XXXX XXXX XXXX XXXX for the full amount. XXXX has published that the tradeline was updated XX/XX/2022 in which the amount of debt is alleged to be {$2000.00}, while Navy Federal Credit Union reports an alleged amount of {$1000.00}. Both amounts being incorrect as the bill is paid as the post marked return receipt. Navy Federal Credit Union is in violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means. XXXX is in violation of FCRA Section 611 Part ( A ) ( 1 ), by failing to respond to disputes or preventing disputes from occurring on their website and using deceptive means. I have a right to accuracy within my report and it must not be taken away by messages saying that I already disputed that account. Every time the account is updated without the statement or changing the amount is a violation of my rights and by law I am entitled to {$1000.00}. Navy Federal Credit Union has failed to identify the debt as disputed before I paid in violation of FCRA Section 623 and I am entitled to {$1000.00}. A demand for both of those amounts for the corresponding violation is made at this time. | ||||||
| 06/09/2021 | Yes |
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Web | Servicemember |
| On XX/XX/2012 I had XXXX testing done at XXXX XXXX XXXX XXXX XXXX. I was overcharged a copay of {$340.00} which should of only been {$40.00} and I asked for the charge to be disputed with Navy Federal. They said that they investigated it and found nothing wrong and did not refund me the money. They told me when I had a refund receipt from that XXXX XXXX XXXX XXXX XXXX they would refund it which is absolutely ridiculous. Since then ive been going around and around with the XXXX XXXX XXXX XXXXXXXX XXXX who agrees I overpaid but is not refunding my money. They make several excuses as to why its been months and they have not refunded the overpayment. They have sent me two different bills that do not even reflect the payment of {$340.00} in which I attached for you to view. I have reopened the same dispute with my Navy Federal, submitting evidence and they do nothing and close the dispute again. I do not understand why my credit card purchase it not protected by the bank. Please note that on this same day at this same business the allergy technician got into my purse and stole my card numbers and started charging my debit and credit cards in which the bank did help stop those transactions but does nothing about the overpayment/overcharge. This company, XXXX XXXX XXXX XXXXXXXX XXXX also fraudulently charged my insurance company for XX/XX/XXXX and XX/XX/XXXX when I wasn't even there. | ||||||
| 03/08/2021 | Yes |
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Web | Servicemember |
| I applied for a PPP loan on XXXX. The land was submitted to the SBA on XXXX. Over the course of three weeks I was unable to get anything other than ambiguous updates with no information whatsoever other than to just wait. On XXXX I was told a letter had been sent and that I needed to refer to the letter for any additional information. On XXXX I followed up with regard to the letter being sent with the details and was told I just need to review the letter which had yet to arrive. I followed up again on XXXX when the letter had still yet to arrive and was told that the letter had never been sent and that they were not able to complete the application. I asked to have the loan withdrawn to allow me to move forward with a more competent and communicative lender. I was told they could not contact the department to make the request but it would take a few days for them to submit. I explained dire straights my business is in and that I need to be able resubmit the loan during the window for small companies to make up for the time that has thus far been wasted. As of 3.8.2021 NFCU has still not demonstrated a willingness to withdraw the ultimately compromising my ability to move forward with a new lender. The lack of communication, lies, and deceptive practices our of the business banking side of NFCU and the unwillingness to withdraw the application are unfair and ultimately punitive. | ||||||
| 10/02/2020 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2020, I was frauded out of about {$14.00} dollars from my savings and checking account. I received a telephone call from XXXX XXXX, telling me that I was over paying for the membership and they wanted to reimburse me. I gave them banking information to receive the funds and some how they supposedly deposited about {$11.00} into my account.I was duped into getting cash cards and even wired the money to their back being honest in giving the funds back. The whole time, they were cleaning out my account. They told me that they took my money and needed {$5.00} to get my money back, of which I didn't have. I immediately called my bank, Navy Federal Credit Union. I explain the circumstance, sent them documentation of the wire transfer, and gift card transactions. I changed my password, closed all accounts and created new accounts, and new debit card. There were two fraud claims created. Debit card and wire fraud. Yesterday, I received a call from the bank, telling me that all claims were denied, because I allowed access to my accounts. I was only trying to do the right thing not knowing that I was being frauded. My mortgage, auto payment and other bill money was also taken from. I sincerely hope that you can help me get my money back. This was my life 's savings. I'm a Retired XXXX XXXX XXXX, who protected our country, now I need someone to protect and help me out. Thank you. | ||||||
| 11/19/2018 | Yes |
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| On XX/XX/XXXX, we ( my fiance and I ) submitted our mortgage information ( bank account numbers, Social Security numbers, etc. ) through a fax machine. We sent the papers to a fax number that was on a Navy Federal fax cover sheet. We received notification that it successfully went through. Navy Federal ( they ) emailed us after asking if we submitted our documents. On XX/XX/XXXX we realized that Navy Federal had not received our paperwork. We were told on XX/XX/XXXX that it was at a Navy Federal and they needed to locate the paperwork. On XX/XX/XXXX Navy Federal realized the documents were not in their possession. On XX/XX/XXXX they said they received communication from the law firm " found a fax that Navy Federal sent but they did not have our forms '' ( Navy Federal did send a fax in the beginning trying to locate the papers ). We called the law firm, not believing Navy Federal and they located our forms within 5 minutes of the start of our conversation. The law firm did destroy the papers. Navy Federal apologized however they refuse to provide any compensation or sense of security of our private information as we " did not lose any money '' and " it was a glitch in the system as to why they provided the wrong fax number. '' Attached I have my call log of who, when, the phone number and anecdotal notes of what was said. I even included the law firm 's contact information too. | ||||||
| 06/23/2020 | Yes |
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| I sent payment to a woman named XXXX XXXX, who had XXXX XXXX concert tickets listed for sale on XXXX. I messaged her and she stated the tickets were $ XXXX/each.We discussed payment method and delivery of tickets. I sent her a total of {$86.00} - {$80.00} for the two tickets plus {$6.00} fee for using XXXX. Transaction was done on XX/XX/2020. Immediately after getting payment she stated ticket prices she quoted to me were wrong and they were $ 400+/ticket. I told her I would not pay that. She went back and forth with me on settling for $ XXXX/ticket. Again, I declined, told her I either wanted my money back or the tickets. She stated she would send the tickets and never did. I immediately filed a dispute with XXXX who declined my request for a refund. I then filed a dispute with my bank, Navy Federal Credit Union who also declined my request for a refund. To date, I have not received tickets from XXXX XXXX, a refund from XXXX XXXX, XXXX or Navy Federal Credit Union. Both XXXX and Navy Federal Credit Union have both instructed me to reach out to the seller and get my money back that way., which is impossible because she is not responding to any of my emails and deleted her XXXX account so i am not able to reach out to her that way. When I researched the name on XXXX and the email address the name was different than it was on XXXX. I am 99.9 % certain it was a fake XXXX account. | ||||||
| 11/30/2023 | Yes |
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| They reported late payments and didn't follow law accordingly 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 06/26/2023 | Yes |
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Web | Servicemember |
| I am currently serving overseas on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and my account has been under SCRA status since XX/XX/XXXX due to my military status. With my military duties and my remote location, I am limited in my abilities to check my accounts but noticed when I did that I was behind on my credit card payments and sent the payments needed to get my payments up to date. Sometime after I made all the payments to be current in my account, I tried to use my Navy Federal credit card and it was declined. I called customer service from overseas ( very time consuming and costly for me ) and they informed me that they closed my account. On my online account, there is no indication that my account is closed and it shows that I have credit available and my payments are up to date. I even mentioned this to the customer service representative when I called about this. I am very disappointed in this situation. I did not receive any notification ( perhaps they mailed it to my US address but I am not able to check my mail while XXXX ) before they closed my account. And with my account current and under SCRA protection, I am puzzled why this action was taken. This situation caused added stress to an already stressful period of me being on XXXX in a remote area XXXXXXXX. I plan on reaching out to a military legal representative to discuss this matter. | ||||||
| 01/06/2023 | Yes |
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Web | Servicemember |
| Hello, I am very concerned with with the financial institution, Navy Federal Credit Union. There have been several instances such as the one I will describe below but with different amount in regards to different companies I have used. For one example, on XX/XX/XXXX I authorized a payment for {$120.00} at the XXXX XXXX XXXX I was at the front desk when the transaction took place, I was also on my banking app and as I made the payment I watched the amount of money come out of my bank account. I check my app every day and for several days everything looked correct, no money was added and nothing was taken away as I was not using that account during the time frame. I check my account on XX/XX/XXXX and I am negative {$120.00}. I call my institution and ask them why I am in the negatives if my money was taken out at the time of transaction. I was told that when the vendor takes more than 3 days to process, the money goes back on to my card and they still have authorization to take it for up to 60 days. No problem, except the money was never put back on my card. I was charged twice. Again, there have been several situations like the one above with different transaction amounts with different vendors. It is a continuing situation Navy Federal refuses to fix or admit that the original payment never goes back on the account and that I some how end up paying twice for a lot of things. | ||||||
| 04/23/2020 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, XXXX, Navy Federal Credit Union tranferred {$3500.00} from my checking account to my closed credit card account ( also with Navy Federal Credit Union ) without my permission and without any sort of notice ( written or verbal ). I recently had a bankruptcy dismissed in XXXX, and still had some outstanding debts on the credit card. I spoke with a service representative on XX/XX/XXXX to plead my case that the amount was unreasonable and asked that they return the funds. I also said I was willing to set up a more reasonable payment plan, but the representative only offered the standard responses that I should have called to set up a payment plan after the bankruptcy was dismissed. So no progress was made. The following day, XX/XX/XXXX, I learned that after that call with Navy Fed on XX/XX/XXXX, they made a second unauthorized transfer from my checking account to the oustanding balance on the credit card in the amount of {$2600.00}. This dropped my checking account balance to - {$2.00}. Added up, these two collections represent over 50 % of my disposable income for the month whereas federal law, to my understanding, limits such collections to 25 % of disposable income. I am now facing a handful of missed payments on rent and other bills over the next few weeks, and I have XXXX cash or other means to purchase food, gas, and supplies during an already difficult time. | ||||||
| 10/21/2019 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union continuously transfer monies without approval or without a promissory note. Doing this, continually cause my vehicle loan to be in default. I am a XXXX vet, and this angers me, cause much anxiety, distress, as well as aggravating my XXXX. I keep every money order sent to the credit union as well as certified mail receipts. The credit union wrote me and told me that I signed a promissory agreement but I have not. Have mutliple illegal transfers form accounts that can be easily seen on statements. I notified them about this but they continued to do so. I would like to request an copy of the signed and notarized promissiory note otherwise I would like to take them to court for fraud, inappropriate transfers, and illegal practices. I received constantly harassing phone calls at least 5-10 a day in which I can prove via phone records. I receive these calls just about everyday after I have paid. Because of the inappropriate transfers from one loan account to another loan account caused my vehicle payments to be late and then later recieving threats of repossession. Before the illegal transfers, I would be a month or so ahead of payment. Now they are giving me until the XX/XX/XXXX of this month before repossession. These kind of practices are illegal and create XXXX, XXXX, and XXXX XXXX. Its a shame how this instituion abuse and take advantage of veterans. | ||||||
| 06/16/2015 | Yes |
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Web | Servicemember |
| I was deployed to XXXX in 2012 XXXX XXXX - XXXX ). While deployed I was living near a local village and did n't have regular access to mail, internet or phone. I received a letter from my auto loan holder XXXX Navy Federal Credit Union XXXX that I missed a payment. I had setup the account to be paid automatically each month, in excess of the minimum amount, using my XXXX credit card. I called NFCU and asked them why and they told me over the phone that I was late and it was because of insufficient funds. I told them this was n't possible, I was deployed and had more than enough available credit to pay the auto loan monthly bill. I spoke to a manager who told me there was an error processing my card, and it was the bank ( NFCU ) fault, not my own fault. They said they were sorry and would delete the late payment from my records ( 30 days late ). A month later I checked my credit report and it was reported to the credit agencies. I called NFCU and asked them to remove it and they denied my request. I immediately asked what the total amount owed was and told them I want to pay off my loan in full. I paid off my loan in full that day because they could n't process my payments correctly. I have since submitted disputes with NFCU directly and with the XXXX credit agencies. I have not received resolution. NFCU will not remove the late payment report and neither will the agencies. | ||||||
| 02/01/2022 | Yes |
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Web | Servicemember |
| Last year I had a total of 4 cases of fraud! One being an accident, and the rest out of my control! The accident was an incident reported as fraud when it shouldve been reported as a dispute where a store wrongly charged me. It was never settled since I wasnt able to find the receipt. Thats fine. Another charge of XXXX $ happened when I lost my debit card ( only lost it once! ) I then had to wait a few days to dispute what I had noticed because it HAD TO POST before any dispute! There was an {$80.00} and another charge of a price Im unsure of, from Cash App, where My account was hacked while my debit card was still linked! Sent proof in of that and also how the account was closed. However they decided to disable my debit card for a year! After I was disrespected by NAVY FEDERAL CREDIT UNION. Supervisors have hung up on me, fed me false information, disrespected me, and refused to answer specific questions! Even had a supervisor named XXXX that kept muting my call along with loud children screaming in the background! I have another navy federal member that will be making a report. I was informed by that member that he also once experienced large amounts of fraud! HOWEVER, he NEVER lost his card privileges! Now that is discrimination. I got penalized because someone stole from me, but when it happened to someone else they were taken care of. This is just one of many reports! | ||||||
| 06/22/2023 | Yes |
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Web | Servicemember |
| I have been with Navy Federal for 14 years, I have always paid my bills. I had added an ex-boyfriend to 2 of my accounts but later sent in the forms to take him off. Recently, I transferred {$2500.00} into my savings account I thought was my sole savings. It wasn't. It was still a joint savings account that Navy federal had FROZE and so my name was never removed. Then, NFCU stole over {$2000.00} of that money and allocated it to a debt that was not mine. I called them on XX/XX/XXXX and explained what happened. Their supervisor refunded ALL of the money and then transferred it out of the frozen savings account and back into my SOLE Checking. Then, on XX/XX/2023 Navy Federal again went in and pulled all of that money BACK out, resent it back to the {$2000.00} debt and pulled more money than what was left available as some of the money had been used for my daughters daycare. This has now overdrafted me {$800.00} and Navy Federal is stating that their hands are tied because that savings account is FROZEN and their is nothing that they can do to get it back. So, they sent me my money back, told me it was safe, then stole it and created more of a debt and financial hardship for me and my XXXX children AND applied MY money to a debt that I am in no way associated with ASIDE from the fact we had a joint savings account that could not be CLOSED BECAUSE NFCU froze the account. | ||||||
| 08/11/2021 | Yes |
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Web | |
| I made an online purchase of {$1600.00} on XXXX XXXX website for a XXXXXXXX XXXX on XX/XX/2021. The package was delivered by XXXX on XX/XX/2021. Upon opening the packaging, I realized the item I purchased was not inside. There was only an empty box. I immediately contacted the merchant and they started a claim with XXXX. XXXX picked up the packaging the following day, XX/XX/2021, and provided me with a receipt. I disputed the charge with Navy Federal. Navy Federal later rejects my claim saying the merchant advised I received the product but the supporting documentation that was provided showed the package was delivered to my house but also picked up and returned to sender. Navy Federal would not allow me to provide further documentation to support my claim. The merchant refuses to refund me because they stated I received a chargeback from my card which I did not. They will not reopen the claim with XXXX. I have provided sufficient documentation to the merchant that Navy Federal rejected my claim and I have tried to provide documentation to Navy federal to show that I have complied with XXXX investigation. At this point, I am thoroughly disappointed in Navy Federals one sided investigation. There loyalty should have been to me the member and they should have thoroughly assessed the documents they received from the merchant which shows that the packaging had been returned. | ||||||
| 07/31/2019 | Yes |
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Web | Older American |
| On said NAVY C/U account I was paying just fine, and being a business owner, and I was using that card for my business, but was seeking additional capital to launch my new website, having said that I looked for financing and was contacted by a supposed NAVY C/U loan specialist, and he said he could get me a better loan and pay off my existing one in the process, so he new all the terminology and of coarse I believed him. So with in a week he had Paid off {$10000.00} on my card, and I was waiting for my new card supposedly? He some how recharged what balance I had left, and maxed me out, you can tell by the charges, XXXX ads and more and I was frauded. I want to pay this off but because of this on my credit I can not get a loan to pay them off, they made me offer because they know I was frauded ... And this has been the 5th time I have been lied and cheated out of money for loans, this is hurting my ability to stay in business let alone survive in the market. Please help thank you with business funding not being regulated a lot of people are being scammed and this is not fair to my life and has caused many hardships due it this being on my XXXX. The other 2 companies saw the fraud and removed it! This card in? I believe was a user only card My mom and I were in business together she invested in it she has since passed and technically should not be on my credit if so | ||||||
| 03/27/2017 | Yes |
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Web | |
| One XX/XX/2017 Navy Federal Credit Union issued and mailed me a letter pertaining to debt settlement. Per their agreement, I would get 40 % off a {$2500.00} debt I had with them meaning I would only have to pay approximately {$1500.00} to settle the account. On XX/XX/2017 I filed my taxes and had the money deposited into an old checking account with NFCU because it was closed and I did n't know. As a result, NFCU deposited the money into my savings account. They withdrew the full {$2500.00} and I was not refunded the 40 % off as described in their letter. When I called XXXX, an XXXX employee, I was lied to. XXXX stated I paid the debt back in XX/XX/XXXX which is before the XX/XX/XXXX settlement letter. I told XXXX it was impossible for me to pay in XX/XX/XXXX because I filed my taxes, the money used to pay off the account, on XX/XX/XXXX. Explained to XXXX that they basically withdrew the money on the same day that the letter was sent. XXXX proceed to lie to me, yet again, about the agreement. XXXX lied and said that I was supposed to call them to agree to the settlement. I called XXXX out on her lie and let her know that the letter said I did not have to contact them to agree to the settlement. I simply had to send in a payment and I was supposed to contact NFCU if I was NOT able to adhere to the terms. XXXX is refusing to give me my money back that I rightfully deserve. | ||||||
| 11/19/2022 | Yes |
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Web | Servicemember |
| I applied online for a secured credit card with Navy Federal Credit Union on XXXX. On XXXX, during a telephone call, a Navy Federal Representative told me that I was approved for the credit card between/ around XXXXXXXX XXXX to XXXXXXXX XXXX pacific standard time. Later during the XXXX of XXXX, I discovered an email in my inbox from Navy Federal that stated I was not approved for the credit card ; upon discovering this, I called Navy Federal to address this issue and spoke with a manager, the call was nearly 30 minutes and was not resolved ; the manager did not take the time to throughly listen to the phone call, she indicated that there were other customers that she needed to assist ; I expressed my level of dissatisfaction to her ; still no resolution. I called Navy Federal again this XXXX XXXX and was pretty much told the same thing - there are other customers that they need to assist - again, I expressed my dissatisfaction because Navy Federal failed to look into this. I don't appreciate them moving this to the bottom of the list - my already weak credit score is now going to be negatively impacted because of this adverse action/negative inquiry. I disappointed that Navy Federal told me that I was approved over the telephone, then sent an email stating otherwise. They don't seem to care enough about this issue and that is why I am reporting this matter to the CFPB. | ||||||
| 08/04/2023 | Yes |
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Web | Servicemember |
| My business partner transferred almost XXXX to my accounts and the bank took money from my account and stopped all my payments of legal money that cleared cashiers check from a business transaction we had no reason for navy federal to say any fraudulent activity was going on but because we almost XXXX and my account was clean but they had been taken my money from my account without my permission reporting bad debts when I have proof of payments off my other accounts and they taken money out saying my bills arent paid Im 5 months behind but I am making payments now they just took my money closed accounts for no reason racism deception of lies and fraud on Navy fraud they are unethical and frauds and I would like a full investigation and all my funds return to my accounts I have paid my bills and the bank has taken my money and closed my credit cards I have been charged and money stolen and bad debts reported to my credit navy federal is a scam and I want all my money returned now with my credit report cleared of all business all credit cards closed they allowed fraudulent transactions on my account but I cant get my legal money they want give me no help I have had this account for years and they have denied me credit and defraud me for years and I have had enough Im going to file legal charges against them if I dont get my funds back and my account cleared of all debts | ||||||
| 01/24/2023 | Yes |
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Web | |
| This is concerning the fraud claim from my account ending in XXXX that happened on XX/XX/2022. Here is more substantiating information backing up my claim. Attached are the pages of the police report that I filed with the XXXX TN police department. The Narrative on page 4 describes the crime that took place. My phone was stolen from me and XXXX and XXXX and ACH wire transfers was used to fraudulantly Electronic Transfer all the money that I had in my student checking account and savings account. without my consent or knowledge. The Consumer Protection Laws for fraudulant Electronic Transfers require the victim to notify the bank within 24 hours which I did via contacting Navy Federal Credit Union on XXXX XXXX XXXX The bank is required by law to replace the money that was fraudulantly transfered. I also fraudulanlty lost money from my XXXX XXXX XXXX account which XXXX XXXX XXXXXXXX has since replaced. Navy Federal Credit Union is responsible to protect consumers from fraudulant Electronic Transfers just as XXXX XXXX XXXXXXXX is responsible to protect consumers from fraudulant Electronic Transfers. I want written explanation of the entire investigation that was performed by Navy Federal Credit Union fraud department that determined there was no fraudulant activity if that is the conclusion XXXX XXXX is making after receiving this additional Police Report information. | ||||||
| 03/22/2022 | Yes |
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Web | |
| I had a personal and a business bank account with NFCU ( Navy Federal Credit Union ), In XXXX I did a delivery load for an online company thru a Delivery app, well they did a deposit into my business account which I couldn't verify where it came from because I was unsure of the name. The bank restricted my business account and said it will remain restricted for 30 days while investigation occurs. I waited XXXX days and nothing happened but I was still receiving bank statements. So, after dealing with Covid and the Pandemic I needed the funds so I reached out to NFCU in XX/XX/XXXX and they closed my business account and even decided to close my personal bank accounts and my personal credit cards without even warning me. I had three major credit cards with them that I have had over 4 yrs+ and when I went to use them they did not work so when I called NFCU , they said when they closed my Business Account they was supposed to close my personal accounts due to suspicious behavior. Well, I'm still getting bank statements and not to mention I'm getting false termination letters regarding my credit cards saying they were closed due to non payment and that is not accurate. So, my credit score and my way of living is destroyed from a stroke of a key and due to NFCU not being honest about the credit card closure when I have a 99 % pay history on my credit report. Please help me! | ||||||
| 08/23/2021 | Yes |
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Web | |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX NAVY FCU XXXX XXXX XXXX Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX and {$400000.00} from XXXX and {$400000.00} from NAVY FCU for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court. | ||||||
| 02/08/2022 | Yes |
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Web | |
| Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX CRA : NAVY FEDERAL CREDIT UNION ( Application Number XXXX ) CRA ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED ( XX/XX/2022 ) Recently, I, XXXX XXXX XXXX, was denied an extension of credit by NAVY FEDERAL CREDIT UNION On XX/XX/2022 I applied for NAVY FEDERAL CREDIT CARD limit {$16000.00} As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL CREDIT UNION has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved | ||||||
| 07/25/2021 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX - 2020 I took a money order received for a truck I'm trying to sale ( I still have the truck ) to navy federal that I bank with. They didn't tell me that I had to sign the back of it ( it's very rear I deal with a check so I really on bankers to tell me what I need to do with the check ) and they made the funds available Tuesday XXXX the XXXX. The money was in my account on Thursday the XXXX. On XX/XX/XXXX I tried to pay my bills and there's no money there so I called the bank and they told me that the check is fictitious. I told them if the check is not real then why did they tell me the check is good and made the funds available and where's my VA XXXX check at. They said that they didn't know at the time I took the check to them the check was not good and because they pulled all the money out they used by VA XXXX check ( {$1800.00} ) to cover some of they debt. I think it took a week and a half for them to tell me that my check is a protected check and they can't legally withhold it from me. So I drew out {$400.00} to pay my bill. About a week later I wanted to pull out {$160.00} and they told me that I'm to far in the debt so I can't access my VA XXXX check. I told them that they told me that it's a protected check and they even told me that they have to make it available to me. They still won't fix the issues they caused and won't release my check. | ||||||
| 07/25/2021 | Yes |
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Web | Servicemember |
| NFCU : So many companies have totally lost integrity, ethics, morals, values, a soul - during COVID19 and are targeting, bullying and clearly violating the law. This is starting to become a regular issue and I am trying to figure out why. The money was in there however somehow ; I have been charged ten overdraft fees. NFCU is purposefully doing math wrong. I am shocked at NFCUs unethical overdraft practices which are impacting my transactions. My checking account has been compromised by abusers. Commingling with my checks, bill payments, debit card transactions, and ATM withdrawals each day then taking a week to process transactions - a violation of NFCU policy. I understand COVID19 has impacted operations but what is being done to my account is a violation of law. NFCU is manipulating the order of my transactions to maximize the chances I will be charged an overdraft fee. The transaction order ( not chronological ) and the way NFCU is processing various types of debits and the time period ( a week ) doesnt allow me to keep track of what NFCU is doing I am unable to anticipate and avoid overdraft fees NFCU is stealing really. I am head of household - not by choice. I have children that I need to take care. NFCUs complexities of the payment process and operational efficiency needs to be evaluated. I have been a member for 16 years - shame on you NFCU. XXXX XXXX | ||||||
| 06/15/2023 | Yes |
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Web | |
| To Whom This May Concern, I pulled my credit report from each bureau to start the 2023 year. I noticed that there were some inaccuracies in my report on multiple accounts. I decided to mail validation letters to XXXX, XXXX, & XXXX on XX/XX/2023. In the letter I asked for each bureau to verify that the information was correct on the accounts in question. I never got a response from XXXX. XXXX and XXXX both verified all information as being accurate and they responded within 30 days. The information HAD NOT CHANGED AT ALL, BUT WAS CLAMIED TO BE VERIFIED. THIS IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT! I repeated this same process on XX/XX/2023. The bureaus received the Validation letters on XX/XX/2023. The only bureau that responded was XXXX. They sent a detailed copy of my credit report. They were still claiming that the information was accurate. After pulling my credit report once again. ALL THREE bureaus are still reporting different : High Credit Limits Last Reported Dates Date Last Active Date of Last Payment Different Balances The bureaus lied to me and said that the issues were corrected, but they clearly have not been corrected. This a VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. If each bureau is receiving accurate information on these accounts then all the items I listed should be reporting the SAME ACROSS ALL THREE BUREAUS! | ||||||
| 01/24/2021 | Yes |
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Web | |
| I have disputed several items regarding NAVY FEDERAL CREDIT UNION that do not belong to me, however they are reporting to my XXXX report. I disputed the item with both Navy and XXXX. I have stated that these items belong either to identity theft or placing accounts that belong to my father on mine. XXXX unlawfully combined my credit report into 2 different reports and I believe this information from Navy Federal Credit Union is part of this. I am attaching a letter sent to XXXX and XXXX requesting an investigation into my dispute under Section 609, 611 FCRA and as of the submission of this complaint, XXXX has not responded to my request, they only verified the information as accurate when the information is not accurate as they do not belong to me. XXXX and Navy have violated The Fair Credit Reporting Act by not conducting a proper investigation into my dispute, by not providing to me, specific documents I have requested regarding my dispute with Navy Federal Credit Union. More than 30 days have elapsed, an investigation in accordance with Section 609, 611 FCRA has not been conducted and I have not been provided any documentation in connection with my dispute regarding Navy Federal Credit Union. Please find the attached dispute letter under Section 609, 611 FCRA as I request any derogatory report from Navy Federal Credit Union be removed from my credit report. | ||||||
| 03/16/2017 | Yes |
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Web | Servicemember |
| Last month my XXXX ordered google play for XXXX times. We did n't know his tablet will connect my paypal account with my husband 's debit card. After talking to XXXX from XXXX. They were able to refunded XXXX out of the XXXX orders a total of {$240.00} USD. However Navy Federal Credit Union refused to credit those refunded items after filing an unauthorized transaction form and charging {$29.00} for every single overdraw transactions since the account did not have enough money from the begining. Nfcu requested a letter from XXXX and paypal with the word FRAUD. google give us a letter of the issue. XXXX does n't because they were just in the middle of the mess. Our NFCU joint account was negative for more than XXXX. They suggested to closed account until clarified issue, but when i received a TAX REFUND in my personal account for more than XXXX they transfered that amount to the bad account without inform us. That tax $ was to pay bills and yes their credit card. However after several tries and the fax we sent NFCU Keep arguing they need to see the word FRAUD in the letters. Why XXXX understood the situation of my son with XXXX clicking without knowing and the bank wants to see the word XXXX? Why do the take our $ and transfered in to a now closed account and charged us XXXX overdraw fees for & lt ; XXXX times? When google refunded XXXX out of XXXX orders. Thanks! | ||||||
| 12/21/2022 | Yes |
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Web | |
| On XX/XX/2022 I attempted to send {$500.00} from the Navy Federal account ending in XXXX. The transaction was labeled XXXX XXXX XXXXXXXX XXXX XXXX XXXX would not allow the transaction to go through ( see attached ) as Navy Federal was initially blocking the charge for suspicious activity. After a few more tires at it, Navy Federal allegedly released the funds, however ; XXXX XXXX denied it. The monies were never rendered to the platform XXXX XXXX and a pending charge was placed on Navy federal. I reached out to both platforms. XXXX XXXX stated that if it was pending, it would likely fall off in XXXX days as they had not accepted any amount of monies during this transaction. After XXXX days, the transaction posted on the Navy Federal account XXXX I disputed this charge on XX/XX/2022 and provided sufficient evidence. On XX/XX/2022, Navy Federal provided a temporary credit ; while they continued to work on the claim. On XX/XX/2022, I was notified that Navy Federal is going to recollect this {$500.00} on XX/XX/2022 due to not insuring peer to peer transactions. However, it is to my understanding, that a banking error occurred on the side of Navy Federal. XXXX XXXX denied the {$500.00} and Navy Federal Sent the funds to a place that no one ever received. If the funds are recollected, this will hurt me financially and are unfair and unjust business practices. | ||||||
| 09/20/2023 | Yes |
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Web | Servicemember |
| I assigned my credit card rewards points to the balance of my Navy Federal Credit Union ( NFCU ) Flagship Credit Card. NFCU ( without authorization ) moved those points/money to my savings account. I was not aware of the move and believed that money was going to the balance of my credit card. When it did not, I accrued a XXXX dollar late fee balance. When I spoke with a representative, I was told it was my fault for not checking my statement balance. From there, I asked my account be closed ~ XX/XX/23. I was supposed to receive a cashier 's check in the mail ( check sent out XX/XX/23 ). I spoke with a female agent around XXXX XX/XX/23 ( XXXX ) who said I should continue to wait for the check ( now missing x 19 days ). When I explained it is likely lost in the mail, she said she would have been notified by the USPS if it was truly lost. She then asked if I trust my mail carrier. I asked to speak with her supervisor, XXXX, who hung up on me without reissuing the check. From there, I sent a message/email to NFCU requesting the check for my closed saving account to be resent to my home address. I sent them a " Declaration of Loss '' form with the account number. I received a brief email response stating they would not accept the " Declaration of Loss '' form and would not reissue a check. I want my money from my closed saving account in the amount of {$2000.00}. | ||||||
| 08/04/2023 | Yes |
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Web | Servicemember |
| My debit card was used without my consent on XX/XX/2023 in the amount of {$400.00}. I did not authorize this charge or have the card in my possession. I misplaced my wallet on XX/XX/XXXX at a local hospital where I was present for an appointment. I did not notice my wallet was missing until the next morning. I called the hospital and was told it was located and was in lost and found. I retrieved my wallet latter that day ( XX/XX/XXXX ). Seeing that all my cards and ID were present I thought little of it. I noticed about a week or so later that {$400.00} had been charged on my debit card. When I contacted the business that charged the card it was for vehicle lockout service. I asked for the vehicle information and they told me it was for a XXXX XXXX. I told them that I own a XXXX XXXX and my keys can not be locked in my car because my vehicle automatically unlocks the doors if it senses the keys inside the vehicle and the door gets locked. I asked them to refund my money and explained that situation with my card. They refused to refund my money. I then contacted Navy Federal Credit Union and they did investigate this incident and issued a temporary refund. Then they told me that because my card was used locally it was not fraud and took the credit back. I do not think I should be responsible for this charge and would like help in getting my funds returned to me. | ||||||
| 01/21/2023 | Yes |
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Web | Older American, Servicemember |
| I have had a checking account at Navy Federal. While traveling to XXXX XXXX and a few times in town in XXXX XXXX, I had fraudulent charges that used my bank debit card. On XXXX XXXX charges made with XXXX for a messed up reservation for XXXX were made and cancelled by both myself and XXXX XXXX however, the bank charged me. Also, this happened at XXXX XXXX so frequently I quit using my debit card. There had been fraud with clergy. They reported a strange name used my identity but no charges were taken and I did not get the report from a year ago. This now is happening again. XXXX XXXX XXXX for {$38.00}. Was charged on my card from a XXXX local gas station but I did not visit that shop. It was not removed. I need forensic accounting to know the real cause of my XXXX year problem with the XXXX banks but presently just Navy Federal Credit Union is involved. My account is on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate. It is a military account with a military widows pension. Also, last year a charge card at XXXX was ran up to {$4500.00} I did not use this card. There were repeating fraudulent debits occurring between XXXX joints accounts that started the electronic crimes in my accounts. The loss is upwards sixty grand now. Can you run forensic accounting on these XXXX small charges and give me the knowledge I need to stop the electronic criminals. | ||||||
| 12/05/2021 | Yes |
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Web | |
| Navy Federal Credit Union employer XXXX XXXX has threatened me by telling me to leave the branch. All I did was exercise my consumer rights when I went to dispute the issue in person on XX/XX/XXXX. I entered a local branch with supporting documents to show Navy Federal Credit Union is reporting inaccurate information on my consumer reports by using different Navy Federal Credit Union addresses and using different account numbers on my credit reports and has not provided a copy of alleged agreement. XXXX XXXX XXXX XXXX purchased this debt on XX/XX/XXXX and has also failed to provide a copy of agreement. Accordance to Bureau of Consumer Financial Protection page it states. " Under federal law, your credit card issuer is required to provide a copy of your agreement upon request ''. I have no valid contract from Navy Federal Credit Union. I have made multiple attempts requesting this contract since XX/XX/XXXX. As of now, I have not received any valid contract from Navy Federal Credit Union. They have failed to comply by continuing to report this information on my credit reports. XXXX XXXX reported me to XXXX XXXX XXXX making false claims that I came into the branch practicing acts of bad conduct. I am XXXX XXXX and he is allegedly XXXX or XXXX. He used the acts of misleading the Police to reverse the fact his client and himself has been negligent about this matter. | ||||||
| 10/08/2020 | Yes |
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Web | Servicemember |
| I am currently XXXX to XXXX XXXX and was in need of cash. I contacted Navy Fed to have money sent to me via XXXX XXXX, which is one of the services advertised as available to me as a Navy Fed member. Because it was sent from an institution rather than an individual, the local XXXX XXXX locations ( I tried 4 different ones ) were unable to process it. I contacted Navy Fed and was told " oh, we've had a problem with this. '' After spending 4 days going back and forth between Navy Fed and XXXX XXXX, still unable to access my money, I asked that the money be returned to my Navy Fed account. I was then informed that it would take 3 months to get back. If I had been warned that Navy Fed had previously experienced a problem with XXXX XXXX and that if I experienced the problem it would be 3 months before I got my money back, I would never have gone through with the transaction. I have spoken to several Navy Fed agents and escalation agents who have all taken the position that " it's not our fault, it's XXXX XXXX 's fault, so we can't help you. '' I don't bank with XXXX XXXX, I bank with Navy Fed and expect Navy Fed to stand by whatever third-party companies they do business with. When there is a problem, I expect that Navy Fed, who I bank with, will work to resolve that problem. Making me wait 3 months, while XXXX, to receive my money back is not resolving that problem. | ||||||
| 09/01/2023 | Yes |
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Web | Servicemember |
| List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name -Navy Federal Account Number - XXXX Account Name - Navy Federal Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. XXXX Account Name - Navy Federal Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent. 15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | ||||||
| 06/16/2016 | Yes |
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Web | Servicemember |
| On XXXX/XXXX/2016, at Navy Federal Credit Union ( NFCU ) 's branch located at XXXX XXXX XXXX, XXXX, VA XXXX, I submitted a request for XXXX bank wire transfer to a bank account in XXXX. I was told that it will take XXXX7 business day. It 's advertised on their website https : //www.navyfederal.orgXXXX. I 've been calling NFCU since XXXX/XXXX/2016 and I was being jerked around by them since then. On XXXX phone call dated XXXX/XXXX/2016, I was told by the representative that it 'll take XXXX8 business days. I told her it 's not true and requested to speak to her supervisorXXXX. He told me it 'll take XXXX4weeks. I replied that it 's ridiculous and they 're jerking me around. He promised to get back to me on the XXXX/XXXX/2016, XXXX that he will give me a call to update the status. He never called. Another XXXX XXXX called and claimed he was assigned to this case. NFCU is unable to locate the where about of my monies and claimed that they only let XXXX XXXX to handle the transactions. There 's no way to find out the status of the transfer, except to wait for their reply. I have n't heard from them this morning. I 'm upset with the entire incident as to how can a Credit Union 's only reply to their members on this incident as they had no idea where the monies are. I really hope the Bureau is able to assist me on this incident. Thanks for your time to read my email. | ||||||
| 10/15/2019 | Yes |
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Web | Servicemember |
| I had a credit card with Navy Federal Credit Union. My credit card went bad because I was financially unable to maintain the payments. Due to me being a XXXX veterans I was limited as to what I could do for employment. I was employed as a XXXX XXXX but had many limitations. Due to my XXXX I wasn't able to do the XXXX XXXX XXXX therefore I ended up losing my job. This caused my inability to continue making my scheduled payments. In the beginning NFCU tried working with me eventually closing the credit card. In 2017 NFCU charged off the account. I have no disputes with their protocol. After the charge off NFCU continued to call me daily and harass me about paying the credit card. I asked them to stop with the calls but they continued to call with harassment. I sought legal aid in which they sued NFCU winning a judgement against NFCU for violation of Penal Code 653m. Almost 2 1/2 years later NFCU changed my credit report status from charge off to FP ( failure to pay ). NFCU did this out of spite to negatively impact my credit score, harass me into paying, tarnish my character and to negatively effect my credit worthiness. They waited 2 1/2 years after the charge off was completed to assult my credit and character. I strongly believe all of this was done by NFCU as a form of retaliation against me. I have the proof to support my accusations and claim against NFCU. | ||||||
| 06/11/2017 | Yes |
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Web | |
| DISCRIMINATION AND UNFAIR BANKING PRACTICE On XXXX XXXX XXXX my wife and I applied for a mortgage loan through Navy Federal Credit Union. Within 48 hrs., w e submitted all requested and required documents to the bank representative who scanned them through their electronic portal. Despite our A+ credit worthiness, income, employment stability, and demonstration of our qualification, the bank has continued to delay our preapproval by profiling us, and discriminating against us while using unethical banking practices, and insisting we apply for an FHA loan, oth er loans, and loan terms that are a disadvantage to us. We have contacted the bank representatives countless times to obtain the status of our application but we continue to receive unusual delays and responses. We even escalated our concern to a supervisor only to receive more excuses, delays and unusual requests and responses. We 're about to close on our existing home and we have found a home that we 're interested in purchasing, but NFCU could care less that their delays will force our family to endure unnecessary hardship and homelessness. We are appalled that this conduct and practice is allowed to exist. We are seeking assistance on a resolved end to this madness. Please contact us at XXXX or XXXX XXXX XXXX should you need additional information. | ||||||
| 12/28/2022 | Yes |
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Web | |
| On XX/XX/2022 I applied for a XXXX XXXX XXXX XXXX account with Navy Federal Credit Union I was very sure I was going to be approved, but a week later I received a denial letter stating that the results of analyses of repayment histories and behaviors of large numbers of members.This system creates a proprietary Navy Federal XXXX XXXX for each credit card applicant with consumer report information on file. They stated why I was denied. The letter stated that I do not qualify for the minimum required credit line for the product. Stated again that in evaluating my application the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agency played no part in their decision and is unable to supply specific reasons why they have denied me credit. XXXX XXXX Relations I have a problem with the fact that this company for XXXX ran an inquiry on my credit report just to come up with drawn-out excuses as to why they denied me credit, and these reasons for my credit denial are not listed in the companies credit card agreement nor on their web site where it states ( How to apply for credit ) or ( How credit work ) I feel as if I was judged based on my race and age because they have a picture of my ID and when they could not deny me off my credit they took a whole new credit rout. | ||||||
| 07/19/2022 | Yes |
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Web | Servicemember |
| I, the federally protected consumer, was denied credit by Navy Federal Credit Union when I applied for an extension of credit to obtain property/services from XXXX XXXX XXXX XXXX XX/XX/2022. Adverse Action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. Navy Federal Credit Union is subject to criminally violating 15 USC 1691 as I have proof that I was discriminated against by Navy Federal Credit Union due to the response I received. Navy Federal Credit Union is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because, I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Navy Federal Credit Union. If Navy Federal Credit Union fails to make any reason procedures to resolve this matter and either, compensate me for the use of my credit card ; or grant me my right to an extension of credit applied for, I will indeed make Navy Federal Credit Union criminally and civilly liable for all actual damages pursuant to 15 USC 1681 AND 15 USC 1681o. I will also follow up with an invoice for said violations ( {$1000.00} per violation ) | ||||||
| 06/09/2021 | Yes |
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Web | |
| I sent Navy Federal Credit Union a Debt Validation Letter on XX/XX/XXXX. I did not receive any communication from Navy Federal Credit Union confirming my debt of " {$27000.00} ''. Nor did I receive notice of right to dispute from Navy Federal Credit Union. Navy Federal Credit Union sent me two letters on XX/XX/XXXX and XX/XX/XXXX that did not disclose it was an attempt to collect debt. Both letters on XX/XX/XXXX and XX/XX/XXXX requested a payment of {$240.00} a month at 6 % interest for 12 months. I sent Navy Federal Credit Union a Cease and Desist Letter on XX/XX/XXXX. I did not receive any communication from Navy Federal Credit Union confirming my Cease and Desist Letter. Since then, Navy Federal Credit Union has harassed me and my grandmother through excessive communication tactics after I've told them to stop contacting me. The dates of the harassment are as followed ; via email ( dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), text ( date:XXXX ), phone calls ( dates:4/28/21, XX/XX/XXXX and XX/XX/XXXX ), called my grandmother ( date:XXXX ) and physical mail letter ( date : XX/XX/XXXX ). This physical mail letter threatened to take negative action against my credit report. As a result, my credit report is impacted with negative remarks on XXXX/XXXX/XXXX, XX/XX/XXXX and XX/XX/XXXX and my credit score has decreased significantly. | ||||||
| 02/09/2022 | Yes |
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Web | Older American, Servicemember |
| In 2020, I opened a secured credit card account with Navy Federal Credit Union. One of the perks for the card, was to establish credit/repair ones credit. Provided the following is met : keep account in good standing, pay on time/ no late payments, have at least {$60.00} dollars on the card by 19th of the month, before account is reported to all ( XXXX ) three credit bureaus. And because I have XXXX checking accounts, I would transfer every ( XXXX ) weeks, money to my credit card from my checking account to pay my credit card. I have never been late I find it real strange, that its going on ( XXXX ) two years that Ive met ALL of these requirements. Plus, when I opened this account. I had No credit cards. Ive sense obtained ( XXXX ) XXXX credit cards, due to my good history with Navy Federal reporting to all ( XXXX ) three credit bureaus. Ive contacted Navy Federal, about this situation several times. They couldnt give me an answer. However, ( on one of my calls to customer service complaining about this problem ) one customer service person said, she had in countered such a problem like mines before. She said, the customer applied for a regular credit card and was approved. Why, should I do that?? I would like to cancel this account. But, it would get me a negative mark on my credit report. I hope you can help. XXXX XXXX XXXX, ( XXXX ) XXXX, XXXX. Thanks! | ||||||
| 02/02/2019 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I got an {$12000.00} personal/home improvement loan from Navy Federal Credit Union ( NFCU ) with monthly payments around {$380.00} a month for 48 months. On XX/XX/XXXX I received a two month extension on the loan and NFCU extended my loan 2 months with last payment on XX/XX/XXXX. After I paid my last payment there was a balance of {$1200.00} remaining on the loan even though the loan should be paid in full. NFCU loan management first told me that was accrued interest from the two month extension but I ask for an explanation on the excessive interest. The second time I spoke with someone from NFCU loan department in the branch. They told me {$350.00} was for late fees, {$130.00} for accrued interest for the two months extension, and the rest for the two months I missed on XXXX and XX/XX/XXXX. The problem I have with NFCU is that they extended my loan from 48 months to 50 months and making me pay the two months the loan was extended in XXXX even though I paid two extra months. I paid the loan off with the exception of {$350.00} dollars in late fees and {$130.00} in accrued interest during the two months extension. I've contact NFCU several times about the issue on ways to dispute the problem with no resolve. NFCU is telling me I have to pay them for the two months I extended the loan even though they added two extra months to my loan agreement. | ||||||
| 04/15/2015 | Yes |
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Web | |
| A financial institution which requires military affiliation to join was notified of fraudulent misrepresentation regarding a member who has never had a military affiliation and became a member by opening an account while living in another state due to the state presently living in affords no opportunity for the person to obtain any type of checking account. It is apparent that this financial institution does not properly conduct its due diligence for verification purposes to allow a person who has already been convicted of illegal account activity by kiting over several years time. The securities department was contacted after numerous discussions with law enforcement, district attorneys and investigators and following their advice contacted victims of fraud which include this financial institution. Realizing this is the internet era where much is done online absent walking into a financial institution and giving the drivers license to a banker to open an account only to find out dozens of banks had reported NSF, Kiting, overdrafts, etc. Treated badly by a securities young lady at this financial institution who had no care whatsover that fraud exists. As a military dependent most of my early years and later on as a military dependent of a spouse, I find the conduct by this institution 's security/fraud division so egregious that it shocks the conscience. | ||||||
| 12/01/2023 | Yes |
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Web | |
| XXXX XXXX XXXX XXXX dba Attorney at XXXXXXXX XXXX XXXX XXXX. has been alerted that they were interfering with a billing dispute with Navy Federal Credit Union. All correspondence has been ignored. No contract exists between XXXXXXXX XXXX XXXX XXXXXXXX. and myself yet they are threatening to foreclose simply because they purchased a debt that was discharged from Navy Federal Credit Union. They were also informed that they are interfering in a Trust matter. A copy of the debt discharge was sent to XXXX XXXX XXXX XXXX via Registered mail. Navy Federal Credit Union and its agents hired XXXX XXXX XXXX, XXXX as the closing attorney who had his license to practice law suspended just six months after my closing for making false statements to Federal agents for real estate matters. Seven months later, XXXX XXXX XXXX, XXXX license to practice law was revoked for misconduct. Certified mail was sent to alert XXXX XXXX XXXX XXXX dba Attorney and the Principal for XXXXXXXX XXXX XXXX XXXX. that the original closing attorney mishandled the closing of my home. XXXX XXXX XXXX XXXX dba Attorney and the Principal for XXXX XXXX XXXX XXXX. have notified to Cease and Desist collection efforts. Navy Federal Agents XXXX XXXX dba Chief Executive Officer, XXXX XXXX dba Chief Compliance Officer and Trustee XXXX XXXX have been notified of the error at closing via Registered Mail. | ||||||
| 06/28/2023 | Yes |
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Web | Servicemember |
| XXXX, the Branch manager at the Navy Federal XXXX location seems to be retaliating against me because I attempted to file a complaint against her and her branch for the horrible service I received on XX/XX/. ( My complaint seems to have been sent to XXXX and not her supervisor ) Whenever there is a name change concern, the primary document needed is the Court issued name change form. XXXX is refusing to accept my court document stating that it would only verify a last name change and not a first name change. The Court ordered name change document verifies the FULL old name and the FULL new name. By refusing to accept this court document and leaving notes on my account under these inaccurate pretenses this restricts other Navy Federal locations from assisting me. XXXX has stated that the Treasury Direct guideline for branches to cash matured bonds with a name change concern is to be mailed in to be updated/reissued and that is also incorrect. Treasury Direct only requires the names verified at the branch and the old and new name be signed on the back at surrender. XXXX has also claimed that it is Navy Federal guidelines to only cash 3 savings bonds for the life of a customer 's account which is also incorrect. It just seems as though XXXX has taken every measure to assure that I am practically blacklisted from being serviced with cashing my savings bonds. | ||||||
| 04/19/2022 | Yes |
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Web | Servicemember |
| Navy federal credit union has restricted my account for there mistake, they have committed fraud against me and this was a legit account Im tired of being treated badly by this credit union, this defamation of character, they closed this account because I reported several months ago that navy federal credit union had almost open an account by using my personal information, when I reported what I found they pointed the finger back at me and then tells me whatever is owed on these acounts will be chanted to me, navy federal credit union has committed deceptive business practices I will also file a FTC complaint against navy federal for the bad business practices and fraud, I had that account for over 3 years I have never been treated with such disrespect I will seek legal assistance I will sue navy federal credit union for using my information illegally, they fail to take action when I reported that account that was being used with my name. Nothing was done but, they pointed the finger at me and told me that my account was closed due to fraud but navy federal credit union committed the fraud, they will held responsible for any charges owed sense in being blamed because this credit union is just that bad, poor customer service. Im a veteran I have been treated just that bad, they need to settle this with me before I file more complaints and hire an attorney | ||||||
| 03/29/2022 | Yes |
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Web | Servicemember |
| We opened the account in XXXX ; we recently deposited {XXXX} to the account. I was notified today - XX/XX/XXXX about a withholding submitted by a NON-Federal Entity, to take our money. We currently have a Lawsuit against the Non-Federal Entity for Falsifying Information, Additionally, and MOST Importantly, the money being deposited to the account is SSDI and US Navy Disability Payments, which is Federally Protected and are NOT Subject to Garnishment XXXX XXXX XXXX XXXX XXXX XXXX There are Several Other Sites out there, including the IRS and Federal Government Websites, that say the exact same thing. IF YOU OWE FEDERAL TAXES - ( I Do NOT ) https : //www.ssa.gov/OP_Home/handbook/handbook.01/handbook-0129.html I do not owe federal taxes, or child support, or anything else that allows for garnishments. I have been through this now with another bank, and they were required to return our money as well. I provide information to the fact that this money is Disability Money from the SSDI and Military Disability, and they Refused, On a Recorded Phone Call - They Were Informed that the call was recorded, that they refuse to return the money. I'm filing this complaint, and I'm contacting our attorney to engage directly if my money is not returned. This is becoming a Rampant Problem with Banks. NEVER Checking the Rules, and Just doing Whatever They Want. | ||||||
| 02/03/2022 | Yes |
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Web | Servicemember |
| Navy Federal Credit Union Rate Lock Issue XX/XX/XXXX - lengthy email received from XXXX XXXX including an itemized list of action items ; buried in the rest of the text is a notification that my rate isn't locked in XX/XX/XXXX - follow up response email from XXXX XXXX re : itemized list of action items ; bottom of the email in a smaller, different font is same notification that rate is not locked in XX/XX/XXXX - XXXX sent a short email to XXXX XXXX asking if there was anything else I needed to do in this process with me failing to remember what had and had not yet been done up to this point ; she responded no there was not XX/XX/XXXX- I sent another short email to XXXX XXXX asking if there was anything else I needed to do ; she again responded there was nothing else and that the application had moved to processing XX/XX/XXXX- I receive a call from my processor saying the rate was never locked and has now increased from 2.625 % to 3.125 % Upon speaking with XXXX XXXX and her supervisor, XXXX XXXX, they have clung to the original two emails as adequate notifications and have disregarded my two follow up requests where XXXX XXXX either missed that requirement or intentionally did not mention it. Either way, based on how she has responded and is unwilling to correct this situation, it seems as though it either rises to gross negligence or outright deception. | ||||||
| 10/18/2021 | Yes |
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Web | Servicemember |
| XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed I made several attempts to pay my mortgage electronically between XXXX XXXX and XXXX XXXX. Navy Federal Credit Union has disabled my ability to make my mortgage payment online. I spoke at length with a mortgage collections specialist in XXXX, explaining that phone conversations sometimes exacerbate my XXXX/XXXX and are often difficult for me to communicate clearly due to my XXXX XXXX XXXX ( XXXX ). I stated to the representative that for me, blocking my online payment access is a XXXX rights issue. Immediately prior to filing today 's complaint, I again attempted to make a mortgage payment online and once again, I was prevented from doing so by Navy Federal Credit Union. NFCU has a history of preventing members from accessing our accounts, related to delinquent mortgage payments. NFCU then collects late payment fees after preventing members from paying our mortgages online. I am a retire XXXX XXXX XXXX XXXX with 22 years of service and am a current XXXX employee of in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX XXXX XXXX | ||||||
| 06/19/2020 | Yes |
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Web | Servicemember |
| .19 Loan {$10000.00} for a used vehicle, XXXX XXXX, XXXX, Navy Federal Credit Union, XXXX VA. I am a XXXX XXXX XXXX XXXX 1st year in the XXXX purchase my first car on the subject date from NFCU. NFCU approved the loan, wrote the check out to the seller for the full amount. I did not know the process at the time, NFCU did not run a title check or at least I don't think they did so this loan was not in good faith and they did not act as an agent on my behalf, they seemingly did not care this large loan was being approved for a XXXX XXXX XXXX without a driver license and no title to the vehicle. I was told to get the title and bring it to them in 30 days. When I recently went to register the vehicle there is a lien already on the vehicle per State of VA XXXX as a result, I am stuck with a {$10000.00} loan, no title and a car I can not register or use. I am getting ready to exit the XXXX, however, I have a {$10000.00} loan I am responsible for. Since I could not get the title which NFCU already knew or should have known about, they change the loan to a consumer loan and increased the interest rate which leaves me struggling to pay for a vehicle that is no use to me. In addition, when I tried to check on the loan process, NFCU gave me an appointment XX/XX/XXXX. I believe NFCU did not act in good faith nor on my behalf as a young inexperience buyer. | ||||||
| 05/24/2016 | Yes |
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Web | |
| Insurance premium of XXXX for Mutual of XXXX whole life policy # XXXX, which I signed an agreement to be deducted from my personal checking account with the Navy Federal CU, account # XXXX on the XXXX of each month. The company XXXX debited {$55.00} on the XXXX of XXXX and on the XXXX of XXXX. They made XXXX withdrawals within a 30 day period, illegal under banking laws for an insurance product. NFCU has offered to credit back the {$31.00} overdraft fee. I believe XXXX knew I had an XXXX deposit pending and was held until the XXXX. NFCU, although I had a pending posted deposit, NFCU refused to clear the draft. XXXX uses different days to post this payment, so that I may lapse my insurance policy, depite federal banking laws. They can not make multiple drafts within a 30 day period for an insurance policy. I do move money around as I have been a victim of identity theft, so I need the bank to follow an automatic draft schedule as most financial institutions are capable of in the XXXX century of electronic billing. This company also did not take a draft at all in XXXX, I had to mail the payment in. XXXX this premium draft to a third party who does n't provide a legal address or phone number. This jeopardizes my already fragile credit rating and puts my life insurance policies at risk for being disputed. Your attention to this matter is greatly appreciated. | ||||||
| 12/04/2023 | Yes |
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Web | Servicemember |
| XX/XX/2023 : I called Navy Federal Credit Union to requesting my XXXX Benefits for XXXX separate auto loan accounts I have open with their financial institution. I am entitled to these benefits as I am an actively XXXX service member. I completed the application to request XXXX benefits, provided my orders, and requested backpay up to the beginning of my orders as well, as I had been on orders for XXXX years at this point receiving no SCRA benefits. I submitted any documents needed to navy federal and received a confirmation stating it was received. XX/XX/2023 : After a long waiting process and no calls, emails, or mail. I call Navy Federal again and to check on the status of my application, they then informed me that the application was denied but were unable to give any reasoning. After requesting a supervisor, I was scheduled for a call back. On that call I was informed that my application was denied for not stating the word " Texas '' on the application. But I was welcome to reapply with the proper wording " requesting Texas state XXXX benefits. '' XX/XX/2023 : After resubmitting the application with the requesting wording, I was then informed that I would have to wait another XXXX to 60 days for my application to be reviewed. XX/XX/2023 : Still no calls, text, emails, or mail. I decided to call navy federal, still no update on the application. | ||||||
| 09/11/2019 | Yes |
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Web | Servicemember |
| My name is XXXX XXXX, I opened an account with Navy Federal Credit Union in XXXX. I had a personal as well as a business account. I have been making deposits as well as withdrawals in the account since it has been open. Fast forward to XX/XX/XXXX. I was on vacation in XXXX and I was notified that my BUSINESS account was restricted and I wont be able to get the XXXX that's in it until I pay XXXX of personal debt that I " owe " Navy Federal. I was stranded in XXXX, my business is going bankrupt and I have a business partner that is not affiliated with navy federal and is requesting the funds. I contacted navy federal about this several. At first they told me to go to the bank with my ID and I will be able to get the funds out of the business account. I went into the bank and I was told that I cant and will never get access to my business account. I spoke with several representitives in the security department, and they all were rude and keep telling me I cant get funds to my business. I am a separate entity from my business and navy federal is holding my business account hostage. I am a veteran that serves in the United States XXXX and I am very disappointed in the treatment that I am receiving. I am in the process if being evicted, car repo and homeless because of this. All I am asking for is to access my funds that I worked hard for. I NEED HELP PLEASE. | ||||||
| 07/07/2023 | Yes |
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Web | Servicemember |
| Hi, I am a service XXXX veteran, victim of identity theft and fraud. I was overseas in XXXX of XXXX XXXX during the COVID-19. Upon my return to the US I became aware that I was a victim of fraud. I was informed by the local Navy Federal credit union bank fraud specialist in the XXXX Florida branch that the fraud extended beyond XXXX, in XXXX of XXXX I went through hours of detailed information and my claims where submitted, I was unaware of the fraud since I paid my bills in autopay and didn't pay any attention. I was provided provisional credit dating XXXX of XXXX until early XXXX, this was all in error and did not go back to my original dated claims of XXXX XXXX-through early XXXX. I'm not sure how the fraud department got the dates wrong. I was provided 2 provisional credits one for {$6600.00} and {$7000.00} on XX/XX/XXXX and it was later removed on XX/XX/XXXX I now suspect that the calculations were wrong and the amounts did not go as far back to XXXX of XXXX. This was not my first time being a victim of identity theft and fraud at Navy Federal Credit Union and outside. XXXX XXXX over 10 years informed me that my personal information was on the dark web. It's surprising that my claim was mishandled by the Navy Federal Credit Union fraud department. I had XXXX XXXX on XX/XX/XXXX and prior to this I had XXXX XXXX XXXX, I suffer from XXXX and XXXX. | ||||||
| 07/03/2015 | Yes |
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Web | |
| My daughter is a XXXX who decided to open a credit card although the discussion had already been made not to. To my surprise after her XXXX XXXX she came home and had received mail from Navy Federal Credit Union. I inquired as to what the mail was for and she indicated she had opened a credit card. The first thing that came to my mind is she did not have a job, had already maxed out her limit not of {$500.00} but on {$5000.00}, and still was a dependent. The next day we went to an NFCU branch office as I was in disbelief that such a thing was still happening with the tightening of credit guidelines and all. The branch customer service representative indicated that there was nothing that could be done my daughter is XXXX years of age. I get it, what I do n't get is how you can give an XXXX year old or anyone for that matter a {$5000.00} credit limit and not verify they have the wherewithal to pay it back via sources of income This was allowed and now my unemployed daughter has a maxed out account that she will be obligated to pay back while she works from time to time and while continuing to be a XXXX until she lands a real job. I wonder if Navy Federal along with other financial institutions are part of the solution or are you truly a part of the problem. I do n't see anytime soon that the economy will rebound with policies and procedures such as this. | ||||||
| 11/28/2023 | Yes |
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Web | Servicemember |
| I sent this to Navy Federal with my dispute. To whom it may concern, On XX/XX/XXXX. My fiance and I contacted XXXX XXXX XXXX to tow a XXXX XXXXXXXX XXXX XXXX Georgia XXXX The charged a fee of {$910.00} to contract a company to tow us. The Company XXXX XXXX XXXX XXXX Im assuming wouldbe paid by this company. After calling XXXX ( the number XXXX XXXX initially called us from to confirm location ). several times because no one came or called us to give us updates It would ring once and hang up as it still is today XXXX XXXX XXXX XXXX never showed up but called my fianc and said they was unable to tow us because they did not want to deal with XXXXXXXX XXXX XXXX as they seemed shady. The number XXXX to XXXX XXXX who was the XXXX XXXX driver who contacted us and said they will unable to tow us. We had to get towed by another company due to the prior company not providing service. I researched my fiance browser history and found a number for XXXX XXXX XXXX but they acted clueless that number is XXXX Thanks, XXXX XXXX We were to picked up at XXXX XXXX at XXXX XXXX XXXXXXXX and taken to XXXX XXXX XXXX XXXX Ga XXXX ****Attached is *My call log **proof of payment to fradulent company ****proof of having to get another tow company **** Number of company fraudulent company contacted for tow This was sent with my dispute and Navy Federal denied my claim . | ||||||