NAVY FEDERAL CREDIT UNION
Consumer Complaints
There are over 5340 complaints on file for NAVY FEDERAL CREDIT UNION. Dated between 2019-12-16 and 2011-12-05.
Complaints Page 10
2019-10-11
AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: During the time frame of XXXX and XXXX there was 2 credit cards opened ( ending XXXX and XXXX ) with XXXX XXXX without my authorization.
There was 3 credit card accounts opened without authorization from Navy Federal.
When I moved back in my primary residence, this is when I found out about the accounts by letters that was being sent. I disputed the information with the credit bureaus and sent along a police report. I did received another letter stating no fraud was found and basically that was it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-11
Houston, TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-11
Wesley Chapel, FL
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: I have a credit card with Navy Federal Credit Union ( NFCU ). I have not received a regular monthly billing credit card statement in over a eight months. I have called NFCU several times about this issue to inform them I am not receiving monthly statements. I have called in the past to have old statements emailed and mailed to me and they are able to do that, but they will not send me periodic statement for my credit card account.
I called again today XX/XX/XXXX and informed a representative of the same issue of not receiving monthly statements. I verified my address, which in correct in their system. The representative placed me on hold and stated she spoke with four different departments and the conclusion is my monthly statements are suppressed and I have a security alert on my account and that's why I have not been receiving monthly statements. I asked the rep " so how do I know how much to pay every month and whats my balance. '' The rep told me I had to call in every month and get the information, just like I am doing now. I told the representative that was illegal not to send me a monthly billing statement and she told me is not illegal because I have a security alert on my profile. I asked to be transferred to a supervisor.
I informed the supervisor of what the representative told me about not being able to receive a monthly billing statement and of course the supervisor, whom was trying to cover up for their illegal actions stated that was incorrect and I should be receiving a monthly statement. The supervisor placed me on hold again for several minutes and spoke to different departments. Now that they know, I am aware of the law and I should be receiving a monthly credit card billing statement, their conclusion changed. The supervisor told me the statements were not suppressed and they have been mailing out statements every month. I informed the supervisor that is incorrect, I have not received a monthly statement via mail or electronic means. The supervisor told me to check with the post office because they have been sent XXXX I have absolutely no problem receiving mail from any other person or entity and the post office is not to blame for NFCU illegally actions XXXX. I know for a fact what the supervisor told me was incorrect, because when I called a few months ago another representative told me the statements were not being mailed out.
The Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of XXXX is very clear. Navy Federal Credit Union is not adhering to the law, under the CARD Act, TITLE ICONSUMER PROTECTION, SEC. 163 ( a ). TIMING OF PAYMENTS, where in which it states : to ensure that each periodic statement including the information required by section 127 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. Navy Federal Credit Union has not mailed or delivered a periodic statement, which is in direct violation of federal law.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-11
Perris, CA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-11
VA
Money was not available when promised
Money transfer, virtual currency, or money service: International money transfer
Complaint: I initiated an international wire transfer with Navy Federal Credit Union on XX/XX/2019. To this day, the recipient has not received the funds. The last notification I received was via email stating my transfer was successfully sent to the Federal Reserve.
I called Navy Federal Credit Union and they say they cant help me, but only try to get ahold the Federal Reserve, which I am sure they did not. They told me this is out of their hands and that if I get no response from them, that means my funds are lost.
First of all, what kind of bank says this to their customer???
Second, I was charged a high exchange rate and paid {$25.00} for this transaction so they are fully obligated to cough up the money if this gets lost, since I did everything on my part correctly.
The three American entities involved are Navy Federal Credit Union, the Federal Reserve, and XXXX XXXX ( which is the bank that Navy Federal uses for currency exchange ).
This will turn into a lawsuit against all three companies if this is not fixed, very soon. I need to know where the wire is, if thats not possible, for some reason, even with the secure technology the banks use, one institution will need to cough up the money and place it back in my account WITH NO FEES OR DEDUCTIONS.
This payment was made to pay my rent, but of course, the banks mess it up and they dont even care. This is why I am asking you, the government, to step in.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-11
Stone Mountain, GA
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-10
Riverside, CA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Collected or attempted to collect exempt funds
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-09
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-08
Exton, PA
Managing an account
Checking or savings account: Savings account
Problem using a debit or ATM card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-08
San Jacinto, CA
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-08
Applying for a mortgage or refinancing an existing mortgage
Mortgage: VA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-08
Bel Alton, MD
Closing on a mortgage
Mortgage: VA mortgage
Complaint: Navy Federal Credit Union ( NFCU ) forcing me to borrow money for insurance when I do no need to borrow.
I searched for,, squired, and paid for a mortgage insurance before closing on my mortgage, the loan processor insisted that I am doing it wrong, that the insurance is usually added to my monthly mortgage payment, then, paid the said amount into my account and added it to amount financed.
Is this legal? to force me to finance the insurance
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-08
Stafford, VA
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2019-10-07
Birmingham, AL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-07
San Diego, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: Navy Federal Credit Union ( NFCU ) has had my accounts frozen for three weeks now. I have a balance of {$2400.00} in my checking account and a credit balance of {$1500.00} on my credit card that NFCU will not let me access. In addition, I requested to speak with a supervisor in the NFCUs security department twice ; however, I was told that a supervisor would call me back. It has been over one week since I first requested to speak with a supervisor. I desperately need access to the money in my accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-07
Other transaction problem
Money transfer, virtual currency, or money service: International money transfer
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-07
Columbia, SC
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-06
Plymouth, FL
Money was not available when promised
Money transfer, virtual currency, or money service: International money transfer
Complaint: On XX/XX/2019 I sent {$15000.00} wire Transfer to XXXX as part of a purchase of commercial property in XXXX. Navy Federal is my Bank here. The Money was immediately returned because the XXXX Authorities needed additional information regarding the person receiving the money. Navy Federal sent the money again XX/XX/2019. However this time I needed to send {$15000.00} because of their delay the first time. To-date, the Money has not arrived in XXXX and Navy Federal can not tell me where my money is or when it will be returned to me. They have completely breached their fiduciary duty and handled this situation in a negligent and irresponsible manner. Navy Federal claims that they made the wire transfer using XXXX XXXX XXXX. I just know Navy Federal was responsible to handle my money in a responsible manner.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-05
GA
Problem with additional add-on products or services
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: Access # XXXX I have noticed an unauthorized written check from a company for {$3000.00} against my account. I contacted my credit union with good faith, I let them know that I have done business with the company that processed the unauthorized check however not for that amount and the actual amount that the check was for actually had never been cashed. The rep suggested maybe the check I had given was altered, I said perhaps, I wasnt sure. Come to find out after my own investigation looking at check numbers in my check book against the amount of checks authorized to be cashed against my account, i have a missing check. My credit union continues to deny my claim after I have given them proper paperwork and affidavits. I am constantly trying to appeal and I am never allowed to speak with a case worker as I have also been told several times someone will contact me and thats never the case. No one has ever called to verbally speak with me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-05
Southern Pnes, NC
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Unable to receive car title or other problem after the loan is paid off
Complaint: I have contacted Navy Federal Union multiple times in regards to my vehicle title. I still have not received it. To the point where I reached out to the state of Arizona to request a duplicate title which I have not received. It has been over two months ; I reached out to Navy Federal credit union once more to request another duplicate but requested it be sent to The navy federal credit union branch here in XXXX, NC where I am currently an XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX. The representative told me that if I were to receive the duplicate I requested a month ago that it would be void which I stated I would take complete responsibility for and still wanted the title be sent to the branch. She initially said it was possible and then said it was not. I told multiple representatives that this is putting me in financial hardship and I felt as though as a consumer I was just being used to use their financial institution so Navy Federal Credit Union could profit from me then discarded me immediately when my loan was paid off. If this issue ever gets resolved, I will be changing financial institutions immediately. I as a female service member, refuse to be XXXX by a financial institution. Yes, XXXX. Thats how I feel. I feel like I have been abused and used.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-05
Occoquan, VA
Closing on a mortgage
Mortgage: VA mortgage
Complaint: I'm a XXXX XXXX XXXX veteran and I have applied for a mortgage loan with Navy Federal Credit Union. My closing date was XXXX XXXX 2019 but due to the level of negligence, disregard, and a complete lack of care at NFCU, my mortgage closing date is unknown at this moment. Their loan officer did not submit my paperwork on time to the VA, did not communicate with me, lost my paperwork, and now I'm stuck in the process.
I have tried to contact my loan officer at NFCU hundreds of times via phone calls, emails, voicemails and she never even responded to a single contact-attempt. I only got a hold of her supervisor who explained to me that they're unaware where my loan file is.
Navy Federal should not be allowed to do business in the US because they're incompetent and unfit to serve its customers.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-04
Macclenny, FL
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: On XX/XX/XXXX I place a stop payment for an ACH debit for a XXXX XXXX payment through Navy Federal 's website.
On XX/XX/XXXX, I called Navy Federal to confirm that the stop payment had been received and was told by a representative that the stop payment was being processed.
On XX/XX/XXXX, the XXXX XXXX purchase was posted to my checking account. I called the same day and requested to have the funds reversed and inquired as to why the stop payment failed. As a result, my payment for the electric bill was returned. I was told that the stop payment possibly failed because I was supposed to submit the request via phone and not online ( this was never told to me by the rep I spoke with on XX/XX/XXXX ). I was emailed a dispute form and the funds were placed back into my account on XX/XX/XXXX.
On XX/XX/XXXX I called my electric company and paid my bill, but they informed me I had incurred a return fee and was restricted from making any ach payments. The electric company requested a letter from Navy Federal showing that a stop payment was issued and failed, making the payment return.
I called Navy Federal afterwards a requested a letter be emailed to me, so that I could provide it as proof of the failed stop payment. I was told by the rep that they would have to listen to the phone call from XX/XX/XXXX, to verify that I was told the stop payment was being processed and to call back later in the afternoon to follow-up.
I called back later that afternoon and spoke with XXXX ( supervisor ) and she stated she would pull the call from XX/XX/XXXX herself. She then stated that the call was not recorded and she could not listen. XXXX stated that she would need to have an analyst check to see if the call can be retrieved and she would call me back on XX/XX/XXXX once they have gathered all the information.
On XX/XX/XXXX, XXXX called and informed me they were able to listen to the XX/XX/XXXX call and because of such, could not send me a letter confirming that a stop payment was placed on XX/XX/XXXX. I told her that as a member of the credit union, I should have access to retrieve a document showing that this stop payment was issued. She informed me that because the call between the rep and I from Navy Federal was not recorded, they could not send me documentation.
This is an unjust and unfair act, because I ( the consumer, customer, member ) is suffering because of a mistake and fault on Navy Federal 's part.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-04
South Florida, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX inquiry from XXXX XX/XX/XXXX inquiry from Navy Federal Credit Union XX/XX/XXXX inquiry XXXX XXXX XXXX I Called XXXX and XXXX twice they did not remove these inquires.
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time.
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DOB : XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-04
Baltimore, MD
False statements or representation
Debt collection: Credit card debt
Impersonated attorney, law enforcement, or government official
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-03
NV
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: I was shocked when I viewed my credit report and found a late payment on the date below : 30 days late XX/XX/2017 I am not sure how this happened. To my knowledge and understanding I made all my payments upon receipt of my statement.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation