NAVY FEDERAL CREDIT UNION

2017-10-17

Atl, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-17

Finley, WA

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-16

Long Island City, NY

Improper use of your report

Checking or savings account: Savings account

Credit inquiries on your report that you don't recognize
Complaint: In trying to resolve another incident, whereby Navy Federal Credit Union told me they would make a soft inquiry on my credit report and then instead made a hard inquiry, Navy Federal Credit Union emailed me a copy of XXXX XXXX XXXX 's XXXX card number. The unauthorized use of my credit report is captured in CFPB incident : XXXX. I 'm creating this incident to reflect that XXXX sent me someone else 's credit card information.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-10-14

Hampton, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Greetings, While stationed overseas in XXXX, XXXX My lawyers ( XXXX XXXX and XXXX ) have sent several Letters to Navy Federal Credit Union for mis-aproptiation of insurance funds from XXXX XXXX ( over 17,000.00 ) to get my house fixed. Insteand of letteing me get my house fixed they used the money for the moratge and now thereare no funds to fix the property. We have sustained additional damage becasue of teh recent storms.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-13

Virginia Bch, VA

Unable to get your credit report or credit score

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-13

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-12

Barrigada, GU

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

Timely Response

2017-10-12

Arlington, VA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-11

MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: Please note that Im mailing my final documents using Reference Number XXXX to inform you that I did settle an amount on my NFCU Accounts but Im not satisfied with the state of my credit. After thoroughly investigating the NFCU- PPP complaint the attached letters displaying the organizations ( NFCU and XXXX XXXXXXXX XXXX Letter Head with Logo validates that XXXX XXXX did in fact purchase a PPP and was eligible for protection during the time that NFCU sent the accounts to collection agency, it doesnt magically erase the unjustified damage that was done to my good credit nor does the letters cite blame or initiate consequences for NFCUs mishandling of a service they offered and didnt render as designed. On XXXX/XXXX/XXXX NFCU sent me a letter for an Redress Payment as terms of a settlement between NFCU and CFPB to be applied to my account in effort to keep a positive relationship with me and adhering to their standard of excellence with members. I strongly disagree with the commitment to any standard of excellence extend to me while we were in litigation to resolve a matter that was initiated because NFCU failed to render on a service that I paid for. I will also send a letter to the Better Business Bureau as well. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-10

Tarzana, CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Add-on products and services
Complaint: My credit account was covered by NFCU P3 payment protection plan. The claim they never received my initial request to activate the plan when I became temporarily XXXX. Calls to customer service did n't help. Have tried unsuccessfully to get them to admit that their process is flawed. All correspondence goes to the same address with no direct delivery to a particular dept. I was forced to watch my accounts go into collections then charge off with no way to escalate the matter. I could n't ' even get someone to call me back. At one point they claim I refused to mail in the plan forms. NFCU is so big they quite literally do not have to concern themselves with problems that arise. I actually begged them to sue me so I could get them in front of a judge so they can explain the P3 process but they seem to just want to squat on these accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-10

Quartzsite, AZ

Trouble during payment process

Mortgage: VA mortgage

Complaint: MASSIVE DATA BREECH! NOTED IN XXXX 2016, CALLED XXXX REGARDING MULTIPLE " ACH WITHDRAWALS '' FROM PERSONAL CHECKING ACCOUNT. REPORTED TO CFPB BUT UNABLE TO FOLLOW UP DUE TO GLOBAL ACCOUNT TAKEOVERS. NOTED THIS PAST FEW WEEKS MY BE DUE TO FRAUDULENT ELECRICAL WIRING BY A SCAM ARTIST 10 YEARS AGO THAT INVOLVES MY PERSONAL AND PROFESSIONAL PRIVACY AND SECURITY. CASE 'DROPPED ' BY XXXX POLICE DUE TO RACIAL PROFILING. MASSIVE BANK FRAUD IINVOLVING 5 BANKS, FRAUDULENT TERMINATION OF EMPLOYMENT. UNABLE TO LIVE A NORMAL LIFE DUE TO PHISHING, SPOOFING AND SURROUNDED BY INTERNET THIEVES IN THE NEIGHBORHOOD. PLEASE HELP ME! NO ONE CARES OR GIVES A XXXX. FRAUDULENT BUSINESS, AWARE OF THE SCAMMERS BUT I AM POWERLESS WITHOUT THE LOCAL POLICE DEPARTMENT. XXXX POLICE LAUGHED AND JOKED ME. ABOUT TO WRITE TO THE XXXX XXXX TO EXPOSE THE CITY BUT THOUGHT IT WOULD MAKE ME DISAPPEAR. PLEASE, PLEASE HELP ME. NO WAY TO EMAIL ME THAST IS SECURE, NO SECURE PHONES EXCEPT MAYBE MY FLIP PHONE XXXX XXXX. I AM A PHYSICIAN AND DISRESPECTED, DISHONORED AND DISMISSED.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-10

Marlboro, MD

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-09

South Florida, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company. This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Please read note and see picture attachment of dates. Sincerely, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-09

NC

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
Complaint: I refinanced my loan with Navy Federal Credit Union. I spoke with the Collections Department because my financial stress due so returning from XXXX and my husband deserting me and leaving me with all the bills. My payment was decreased from {$1000.00} to {$780.00}. I was told I could not make payments while the Consumer Loan was Refinanced. I was approved for the REFI Collections Loan, and I was told that I would not receive negative credit reporting. However, it was reported that I was past due.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-09

Skyland, AL

Problem with a credit reporting company's investigation into an existing problem

Credit card or prepaid card: General-purpose credit card or charge card

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-07

Hollywood, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-10-06

Tallahassee, FL

Trouble during payment process

Mortgage: VA mortgage

Complaint: I live in XXXX and affected by hurricane XXXX and requested forbarence on my morgage on XXXX/XXXX/XXXX but they pulled my payment on XXXX XXXX So I Wrote on XXXX they contacted me and said they would do a wire transfer which took part of the day and creating so much stress I had to get medical treatment .I wrote XXXX XXXX and another supervisor contacted me his name is XXXX and he transfers me to supervised XXXX who said I had to authorize a transfer and I said I was medicated /sleeping after taking narcotic pain meds for my XXXX they caused and having a XXXX XXXX contact me to see if I was going to XXXX XXXX as I stated they would have my XXXX on their haves if I had a XXXX or XXXX.Today I see in my credit union XXXX XXXX payments and NFCU says XXXX my statement I am overdrawn but NEVER contacted me .I wrote XXXX XXXX again and XXXX no response so again instead of repairing damages from their mistakes I will have to spend the day fixing their errors and again requiring more meds and no hurricane repairs.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-06

Ernul, NC

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: My soon to by ex wife who is not on my credit card. Took my credit card and charged up almost 6k worth of purchases and moved to Ohio. This is a sole account under my social security number that she was not even an authorized user on. I disputed the fraudulent charges, Navy Federal looked into it and said that they " did not think '' that my wife would be prosecuted and told me that was the end of the investigation. So they looked into the charges and stated that it was obviously stolen because I could not be in north Carolina and Ohio at the same time. They did issued me a new card but will not take care provide me credit for the debt even if I press charges. They need to press charges or whatever they have to do but they have zero fraud liability and they need to honor that. I want my the fraudulent charges reversed and my account to be back in good standing.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-06

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

Timely Response

2017-10-05

Reno, NV

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I submitted a package to Navy Federal Credit Union who has the mortgage on my property back in XXXX 2017. The property is owned by myself and my mother who is XXXX. Each time we contact them to inquire able the status we get a email stating they are missing a document. We respond the same day with the document and then a week later they say they did not receive that document and another document. I am victim of identity thief so I am vary leery of keep submitting my social number. These are the documents the keep misplacing. My payments at this point is 3 months behind and I began this process when they were one month.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-05

Orlando, FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-05

Pulaski, MS

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: On XX/XX/XXXX I went on line and attempted to pay XXXX auto loans with Navy Federal. I used the website as I had done in the past. Twice I attempted and received in red letters internal error. Nothing that would indicate anything was processed. I called and was informed XXXX loan payments were pending even if I could not see they processed ( One improvement would be a text or email confirmation system by NF ). One payment was a duplicate. I would not have known if I had not called. I asked that the duplicate be cancelled. Around the XX/XX/XXXX I received a phone call from Navy Federal saying the XXXX payments were not made. I went on line and attempted to process. The system was gave me an internal error notice. OnXX/XX/XXXX I attempted a few more times and called NF and was informed once again there were XXXX payments processing XXXX for XX/XX/XXXX and XX/XX/XXXX. Again as in XXXX XXXX I cancelled both payments and asked that XXXX more be processed by phone so I did not have the same issue. I was told using the payment by phone was the only option I had since the account was flagged and also the only option where you could have any confirmation. I think maybe a fee was involved. I could be wrong. I asked for written confirmation by email and as of yet I 've not received anything. When I asked XXXX of the XXXX collections department to query the " digital '' department regarding the internal error messages he informed me ( after a long wait ) that the internal error was a flag in the system that would not allow me to make any payments because I was late making XXXX 's payment. Aside from the absurdity of a system where someone owes a payment and they can not make a payment I asked if he had in fact cancelled payments on the XX/XX/XXXXthat were processed via the NF online system. He confirmed that he had cancelled payments. Payments he had been informed were impossible to make in the system due to the flags. He agreed something must not be working correctly. There are issues with the system. It happens. I asked that they investigate. No big deal. The problem is it is a big deal, because NF automatically notifies the credit bureaus or they " think '' they do automatically, but there is actually no one working in any department and they refused to allow me to speak with anyone with any knowledge of the reporting criteria or protocol. They could only answer using a " script '' I waited on hold to speak to a " supervisor '', but XXXX eventually came back on the line and advised he had spoken to the supervisor and he would not speak to me. The answer was after the fact I could dispute. Not good enough. I want some answers. In the past credit bureaus have not accurately reflected my histories or the histories of so many of my soldiers especially during deployments. It is my personal belief that credit bureaus are criminal enterprises used by banks to drive rates higher and generate fees. I wish I could say I had faith in any regulatory body, but that has not been my experience. These banks have too much power and pay off too many. I know there is little change to win this fight, but I want an explanation as to why my family and I should suffer because NF 's systems do n't work. Do the right thing. Give me a accounting of what was reported. Fix your system and by the way make it easier to pay not harder if someone is late. If you did put something negative on my credit file. Fix and make it accurate. We did all we could. If we are going to allow so many businesses to price their products and services using information from the bureaus the least we can do is have some due process. Oh let 's trust XXXX .... I am sure they will do the right thing. XXXX XXXX XXXX. ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-05

Los Angeles, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-05

Johns Creek, GA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-05

Virginia Bch, VA

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Complaint: They lie my finds was not low I a copy of the which the credit union stated such, now the y claim I authorize the to pay over draft and I did not you can believe them if you like they have had more than 60 days as you well know can you help resolve this complaint a not.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response