NAVY FEDERAL CREDIT UNION

2017-10-04

Boston, MA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-04

San Antonio, TX

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: Have not responded to two debt validation letters I sent via certified mail in regards to providing proof of my original wet ink signature contract and not a photocopy.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-04

Shalimar, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: A check was deposited by myself and the joint owner navy federal placed a hold on the check the hold was then took off and i have other payment providers through my online buisness navy federal then restricted my account due to activies that my online automated account modification programs automatically adjust payments posted from sales comission etc.since navy federal does not seem to understand the nature of my buisness a restriction was placed on my account and adjustments can not be made causing major financial losses of over {$1.00} a week. Furthermore a check deposited to my account appeared to be potentially to have negative status to my account navy federal reviewed this check placed a hold on the check even though myself or the joint owner hasnt attempted to access funds from that check until the institution clears or deems the check no good than its the banks responsibility to remove adjust or disregard a non valued payment instrument not the account holder this check was payment for a vessel that the bank has to my knowledge didnt honor or to my knowledge already adjusted this bank has violated also discriminated the nature of my buisness i am a XXXX also i XXXX XXXX XXXX XXXX XXXX XXXX the banks lack of knowledge of these ventures i believe the bank made an assumption of my character based soley on appearance made judgement and acted on a unprofessional way that caused my income to deteroirate also i still have account restrictions that i cant access certain things
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-03

Lake Ridge, VA

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

2017-10-02

Greece, NY

Incorrect information on your report

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

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

Timely Response

2017-10-02

N Bethesda, MD

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

2017-10-02

Annandale, VA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you in a state where you do not live or did not sign for the debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-02

Marysville, OH

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-02

Bayonne, NJ

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: On XX/XX/XXXX a Navy Federal employee called my parents home phone number ( XXXX ) XXXX ; this number was not listed by me on my banking profile. ( I was advised by another Navy Federal Employee that NFCU uses a tracer software to find phone numbers associated with customers who do not respond to NFCU phone calls ). On the phone call that took place on XX/XX/XXXX on ( my parents land line ) the Navy Federal associate asks to speak to me ( XXXX XXXX ). My father was a XXXX patient at the time and was going through a rough XXXX session, which XXXX his XXXX ; he misheard the associate, and obliviously said " yes this is me ''. The Navy Federal associate then goes on and reveals my entire finances involved with the bank to my father. I.E The amount of the loan I have, the type of loan I have, How many monthly payments I am behind, the total amount of the deliquency, and how much my monthly payments are. The problem here is, on outgoing calls made by NFCU, they do n't have a policy that confirms the recipient of the phone call is actually the person they are trying to reach out to i.e social, birthday, secret question/answer, secret passcode or anything. Whatever number they find and decide to call from the tracer app, the recipient just has to confirm " Yes, this is ___ speaking ''. I understand that policy, but where is NFCU due diligence? Their employees should be trained to know when someone falsly states they are someone else. I mean come on, you do n't think I would know the type of loan, the amount of the loan, and how much my monthly payments are. HELLO!!! DING DONG genius, that should ring a bell. My father confused, thinking this was for him kept asking her questions to get to the bottom of it, and the NFCU associate kept answering every single one of this questions. That is extremly troubling, because this puts my financial information and other senstive imformation completely exposed and at the mercy of NFCU non-existent and weak policy on outbound calls. Luckily ( for NFCU ) it was my father, and not an outsider. Regardless, I did not want him to have an idea about this debt, as I knew it would stress him out, and that is the single WORST thing for a XXXX patient. As I anticipated my father fell even more ill because of this. This soured my relationship with my household, as my dads medical bills started piling up. I reached out to Navy Federal regarding this matter on several different occasions, via several diff modes of communication. The first email i sent regarding this matter was not even replied to! Noone from NFCU reached out to me regarding this issue which is extremely concerning. I reach out to them again a couple of weeks later, via phone and social media and ultimately NFCU associates were completely unapologetic and offered me no source of compensation, NOT EVEN AN APOLOGY. They claim that the phone call mentioned above was never recorded ; how convenient is that? How many outbound calls that are in collections are rocorded? My guess is the dirty business of collections does n't record any outbound collections calls, and record calls that would benefit the company. AGAIN, WHERE IS MY FINANCIAL PRIVACY? WHERE IS NFCU FIDUCIART DUTY TO ME? CAN THIS BE ANY MORE DISRESPECTFUL? and UGLY? They stripped me of my right as an American Citizen to financial freedom, and privacy. I served this country for over 8 years and continue to serve. For what? so billion dollar banking animals NFCU leak my sensitive information? Luckily ( for me ) the entire phone call was recorded on my parents answering machine for some odd technical issue. I have a top secret security clearance and work with extremely classified information. At the rate the the NFCU associate was going, she would have no problem telling the recipient of that phone call ( my father ), all of my sensitive data. This puts not only strips me of my financial privacy but also puts my well being at risk. The funny thing is 2 weeks prior to this incidence i called Navy federal to bring all my accounts current, and again due to their internal error my forbearance for one of the loans was not correctly processed. I was under the impression that it was. Instead of calling my cell phone and notifying me ( the only number I listed on their system ) they would call my parents home phone over 7 times a day. Should NFCU not satisfactorily resolve this issue, I will press charges.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-01

San Bernardino, CA

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: on XX/XX/XXXX opened account with, navy federal credit union. they started running hard inquiries they did three in one a month, two on same day XX/XX/XXXX and shared my information with XXXX XXXX that ran a hard inquiry with out my permission contacted navy federal to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-30

Georgetown, TX

Problem when making payments

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: During the time frame XXXX XXXX and XXXX XXXX, I took out a loan from Navy Federal Credit Union and received numerous threatening letters when I fell behind on the loan. NFCU asked for the title of my car and I explained that I thought it was a personal loan for the amount was minuscule. NFCU continued to send harassing letters, falsely threatening legal action violating the Dodd-Frank Act. XXXX XXXX NFCU was ordered to pay compensation to NFCU consumers. I have contacted NFCU via their main telephone number XXXX, informed them I was a consumer effected by their misleading, false misrepresentation of credit consequences letters, gave my name and point of contact. I also asked the NFCU representative why NFCU did not contact me in reference to the Consumer Financial Protection Bureau lawsuit against NFCU? In the redress NFCU is ordered to pay {$23.00} million in redress to it 's victims. I am still waiting for NFCU to contact me and pay my compensation for harassing, false, threatening debt collection letters. Today is Saturday XXXX XXXX, XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-30

Occoquan, VA

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Complaint: Every since I filed my complaint about my loan rate and closed my CD and checking accounts with Navy Federal Credit Union, I have not been able to gain mobile or online access to my remaining accounts. I contacted an agent via email and still have not been allowed access to my accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-30

Atlanta, 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

2017-09-30

Masury, OH

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

Timely Response

2017-09-29

Garrett Park, MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I received a settlement offer from Navy Federal to pay off half of my {$12000.00} credit card debt. The settlement said If I paid half, my debt will be considered paid in full. I paid {$6500.00} to Navy Federal on X/X/2017 and since then I have not received any more communication from Navy Federal stating my debt has been paid in full. The balance still shows up on my account when I log in with a 24 days past due collection sign for minimum payment of {$30.00}. I have attempted several times to reach out to Navy Federal but no one seems to know what 's happening. I am hoping this was n't a new debt collection tactics and that my settlement contract offer is genuine.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-29

Newark, NJ

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: I stopped using my credit card since XXXX 2017 and paid off all the balance due. I have tried not to use it because of the interest charges was too much for me, even though i have checking and savings account with the company and always check the account online with my phone, what is strange is anytime i open the account i only sees the checking and savings only without seeing the credit card account. Last month in XXXX i was checking my checking account and i saw there was a transfer of XXXX from my checking account to credit card account immediately i call the bank but they asking for some codeword that i couldn't remember so they couldn't resolve the issue they required i should go to their branch to reset the codeword, the branch was far from where i leave about XXXX mile from me so i couldn't go and decide to found time to go later. About XXXX weeks ago I went online again on desktop computer to print out my statement to support my social security document they ask me to bring, when i get in the account i realized there is amount due of XXXX for credit card so i was what i don't even use this credit card anymore for the pass XXXX month how come do i own them so i click on it and notice there are some transactions that i have no idea about i kept scrolling down and noticed somebody been using credit card for the pass XXXX month from XXXX 2017. So i called the bank and they said i should go online and freeze the account which i did . The next day i drove abut XXXX miles to one of their branch and reported the case and they closed all of my account and opened a new one for me. But ask me to go for police report since the fraudulent been using my navy checking account to make payment for the credit card and even the transaction is more than XXXX days.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-29

Bogue, NC

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-09-29

San Jacinto, CA

Problem when making payments

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I am a navy federal account holder I just saw that navy federal had to pay out a class action law suit for locking accounts and threatening to go to the commanding officer I was just wondering because this happen to me numerous time and I just paid my loan off last week and I want my piece of the pie too.Everytime I call navy federal to discuss the matter they put me on hold until I eventually hang up.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-28

Avondale, MD

False statements or representation

Debt collection: Other debt

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

Timely Response

2017-09-28

Cheverly, MD

Getting a credit card

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

Application denied
Complaint: I applied online as a member of Navy Federal Credit Union for a credit card onXX/XX/XXXX2017. Within a few hours in was an online message declining. I called the next day and onXX/XX/XXXX2017 to inquire why but was told the letter was mailed out last week explaining the reasons for being declined. However I never recieved anything so I called again todayXX/XX/XXXX2017 to ask could the letter be resent cause I never recieved it the representative told me no they wont do it. I explained as a consumer there are fair creit laws that state I have a right to be notified. The representative stated they will not email it through their secure online banking website nor resend it. This is pure nonsense things get lost in the mail so it should be no big deal to reprint and mail my credit decision letter. This is horrible customer service.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-28

Bronx, NY

Incorrect information on your report

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

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

Timely Response

2017-09-28

Atlanta, GA

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-28

Atlanta, GA

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

2017-09-27

Santa Ysabel, CA

Incorrect information on your report

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

Account status incorrect
Complaint: About 3 months ago I applied for a personal loan with Navy Federal Credit Union to pay off my Mother 's car loan she has with XXXX XXXX for her XXXX XXXX XXXX. [ I did have a loan with Navy Federal, it was for a XXXX XXXX XXXX with account # XXXX ]. This loan was co-signed with my mother XXXX XXXX. She was going to trade in the XXXX XXXX & get herself a new car, but I decided to trade in the XXXX XXXX instead & purchased a new vehicle by myself. This was in late XXXX. About a week ago, I received a statement from Navy Federal with limited information. It stated that I owed them {$500.00} dollars & that my loan was subject to go to collections & this would affect my credit rating. My initial call was to XXXX the Sales person, who assured me that my car was completely paid off & did not know what was going on. At this point I was worried about the bad rating this would have on my credit so I called my Mom & asked her to help me find out what was going on. ( I initially thought it was a negative balance for the XXXX XXXX I just traded in ). When my mom reviewed the statement she noticed it was a different account number from my previous & only loan with Navy Federal. My Mom called Navy Federal on X/XX/2017 @ XXXX XXXX & spoke to XXXX in the customer relations dpt. XXXX advised my Mom that she was not on the loan she was pulling up. My mom told her that she was the co-signer on the loan & wanted information about the statement we had received. My mom also advised XXXX that it was the wrong account number & perhaps Navy Federal had made a mistake about the balance of {$500.00} we still had. XXXX asked my Mom if she was calling regarding the loan for a XXXX XXXX XXXX. When my mom heard the description of the vehicle she then told XXXX that the XXXX was her car & she still had a loan with XXXX XXXX. At that point XXXX told my Mom she was unable to give her any more information & she had to transfer the call to the Accounting Dpt. but not before my mom conference me in to the call. When we reached the accounting dpt we spoke to XXXX. I verified my information one more time & gave authorization for my Mom to talk to XXXX & discuss the account. When everyone was on the same page my Mom asked XXXX if she can tell us who signed the check or any credit application? We explained to her that I never picked up the check or signed anything documents authorizing the loan. At this point XXXX stated that we were going to be put on a 10-15 minute hold so that she can review all notes. My mom was at work & asked XXXX to please call us back because she was at work & I was getting ready to go to work. XXXX told us that they do not call out ever & if we wanted any further information we would have to call them back at another time. This is the last time we had any contact with Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-27

Bellview, FL

Managing an account

Checking or savings account: Savings account

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

Timely Response