NAVY FEDERAL CREDIT UNION

2017-09-13

Oxnard, CA

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

2017-09-12

Sacramento, CA

Opening an account

Checking or savings account: Other banking product or service

Didn't receive terms that were advertised
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-12

Fred, VA

Problem with a lender or other company charging your account

Checking or savings account: Savings account

Transaction was not authorized
Complaint: My name is XXXX XXXX XXXX XXXX ; I have checking, savings, and credit card accounts with Navy Federal Credit Union. I received a postal money order in payment of services rendered. I took the device to the local branch of Navy Federal Credit Union where it was cashed for me. Yesterday I received a letter from Navy Federal Credit Union stating that the device was returned unpaid to Navy Federal Credit Union by the paying financial institution. Navy Federal Credit Union deducted the amount of the postal money order from my savings account and charged me a returned check fee of {$15.00}. Navy Federal Credit Union should have taken the issue up with the financial institution which issued the postal money order ; I had nothing to do with it. I received it in payment for services which I had rendered and Navy Federal Credit Union accepted the postal money order and cashed it for me. Now, in effect, they have stolen money from me to pay since the issuing financial institution did not honor the postal money order. This is not my fault, and Navy Federal is bullying me when I am not responsible. I am asking for help in obtaining relief from the bulllying of Navy Federal Credit Union and the return of the money which it has stolen from me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-11

Temperanceville, VA

Getting a credit card

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

Card opened as result of identity theft or fraud
Complaint: MY COMPLAINT IS WITH NAVY FEDERAL CREDIT UNION THEIR WAS A CREDIT CARD OPEN IN MY NAME THAT I DID N'T OPEN WHEN I CONTACT NAVY FEDERAL TO FIND OUT HOW THIS HAPPEN THEY FROZE MY ACCOUNT CLOSED IT SO I WOULD N'T HAVE ACCESS AND THEY SAID THEY CHARGE IT OFF BUT NEVER SENT IT TO COLLECTIONS I WAS TOLD THEY HAD ME ON TAPE GETTING A CASH ADVANCE OFF THE CREDIT CARD IN QUESTION WHICH I NEVER DID
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-11

MD

Closing your account

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

Company closed your account
Complaint: I had a credit card with Navy Federal Credit Union since XXXX. I had got behind on my payment around XXXX and called their customer service Representatives to make payment arrangements. I paid my payments on time and out of nowhere Navy Federal Credit Union turn my accounts over to a collection company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-11

Cave Creek, AZ

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

2017-09-11

Birmingham, AL

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX XXXX : I tried to refinance my car loan from XXXX XXXX to Navy FCU. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with Navy FCU due to this issue. I contacted Navy FCU on XXXX/XXXX/XXXX to see if they could report a ZERO balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from Navy FCU to dispute this as well as a statement showing I do n't carry a loan with Navy FCU nor a balance.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-11

MD

Struggling to pay your loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: I have an installment loan with Navy Federal Credit Union since around XXXX. I got behind on my loan at the end of XXXX and been making on time payments. Navy Federal Credit Union just recently turn my accounts over to a collection agency. I call them repeatedly to find out a solution and they statement a collection agency will be the best solution.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-11

Hopewell, VA

Problem when making payments

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

Problem during payment process
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-09-10

Buffalo, NY

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2017-09-10

Corpus Christi, TX

Getting a credit card

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

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

Timely Response

2017-09-08

SC

Closing an account

Checking or savings account: Savings account

Funds not received from closed account
Complaint: I received a letter from Navy Federal Credit Union stating that I was eligible to receive a redress payment in the amount of {$870.00} for my consumer loan ending in XXXX which has been refinanced with Navy Federal and a new loan number given ending in XXXX. The letter stated that on XX/XX/2017 a credit would be placed in my account ending in XXXX. I called Navy Fed to confirm that this was a valid letter. They said it was. I was then told that the account that ended in XXXX was a charged off account, which I was unaware of because I had been receiving statements for one year that did not list the account was charged off or closed. The representative stated that Navy Federal I would not be able to receive the funds from this account. I was told If I was eligible that I could open a new savings account and the funds be placed there. I opened a new savings account ending in XXXX that day over the phone. On XX/XX/2017, the funds were still placed in the charged off account ending in XXXX with a new balance of {$890.00}. I requested a transfers from this account to the new savings account with Navy Federal ending in XXXX and was denied and told I would have to fill out a questionnaire form to preform a transfer because the funds were from a Redress Notification.This form could not be emailed nor faxed, It could only be sent to my mailing address on file ( today 's date is XX/XX/2017. I live in South Carolina which is under mandatory evacuation for XXXX XXXX ). I am concerned that they will pull the funds and apply it to my refinanced consumer loan with Navy Federal ending in XXXX, which was the reason for the Redress Notification in the first place.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-06

OH

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: This happen with Navy Federal credit Union. Money was accidentally deposited from an outside third-party into my account that I still had their even though I tried to close it they told me I could n't years ago {$910.00} and it was automatically put toward a debt that I default it on because I 've been unemployed for quite some time I told their financial debt counselors the same thing I told him that I went through a divorce and that the car loan I had with them was no longer in my responsibilities through the divorce decree in the courts ex-wife is paying for it so they 've been sending letters continuously and calling me continuously to pay a debt that I ca n't so this money was deposited into the account today which is XXXX XXXX 2017 and then they automatically took it out and put it towards a debt that I owed that it 's {$910.00} which was going to go towards responsible things like rent and groceries to house me to feed me and my XXXX kids I called yesterday and asked if I could stop the deposit from happening I was told no I asked what else there was that I could do so they said to set up a transfer and to call in after XXXX XXXX today and start the transfer which all the information so already be in I called today and was told him I can of XXXX I asked why because it went into the account it did n't have a setup transfer it was automatically taken out and put towards the credit card I was in transferred over to somebody else who had an immediate attitude with me and then add a point after telling me that no I ca n't have my money back that they 've been trying to contact me and they have n't heard from me in a year and how are they supposed to assume my situation has n't changed and I said well the last time I talked to you or financial counselors they told me there was nothing they could do with me and until I got a job there was nothing that they could set up my informed those financial counselors of the divorce decree and so on and this guy said that I did n't matter and I did n't matter if they put in notes because my car bill that I had with them was being paid by my ex-wife who was legally responsible to pay it they assume that I was having money even though there was no deposits in that account at least a year if not longer this is n't the first time they taken money directly without my permission to pay a bill that they said was late they 've also stopped me from being able to withdraw funds from my account when I have an active checking account with them and I know this is the exact same thing that they were sued for and had a claim against I want my money back so I can house and feed myself and my children
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-05

Griffith, CA

Problem when making payments

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

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

Timely Response

2017-09-05

San Diego, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-09-05

San Diego, CA

Incorrect information on your report

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

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

Timely Response

2017-09-05

Eutaw, NC

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

2017-09-05

Oxford, GA

Incorrect information on your report

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

Account status incorrect
Complaint: SPOKE WITH A MANGER TODAY AT NAVY FEDERAL CREDIT UNION AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY NAVY FEDERAL CREDIT CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT NFCU SAYS I HAVE ONE. WHICH IS INCORRECT.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-05

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

Timely Response

2017-09-05

Atlantic Bch, FL

Struggling to pay your loan

Payday loan, title loan, or personal loan: Installment loan

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

Timely Response

2017-09-04

SC

Problem when making payments

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

Problem during payment process
Complaint: On XXXX XXXX, I contacted my bank Navy Federal Credit Union, which I have been a member of since XXXX. Navy Federal Credit Union ( NFCU ) informed me that my account was place on restriction and that I did not have access to pay my bills using " bill pay '', " outside transfers '', or from " other institutions ''. My account is not past due, I have not been late, nor have I ever had any credit problems in the past. I asked the agent why was my account being retricted and she was unable to explain. She put me on hold for 10 minutes and when she returned she told me that I would have to call back later for a specialist to explain why my accout was retricted. I waited 1 hour and called back. The agent again put me on hold and retured to the call unable to reset my access nor explain why my account was retricted. I asked serveral questions regarding the retriction and the agent informed me that there was a scam going on and my account was restricted due to suspicion that my accout may have been compromised. I normally use my outside banks and accounts to pay my bills, restricting my access will delay payment or cause me problems in paying my bills. I am a veteran, that served and retired with 28 years of service. This type of treatment is unexplainable.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-04

Cheverly, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have a mortgage with Navy Federal Credit Union and they have yet to correct my mortgage account to reflect that it is current. I made a payments on time and there was a occurnce when my payment was missed applied by there teller to another account. After I have made several complaints and provided evidence of the teller mistake to the servicing department to correct and to update the status on my monthly statement and credit report status nothing has changed. I have been dealing with the issue for months!!! The mortgage servicing department has the worst service and seems to lack the professionlism to get anything done. I refuse to deal with the credit union and I am hopefully that CFPB will be of support
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-09-03

Hamburg, MN

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: Hello my name is XXXX XXXX and i will like to make a complaint against the navy federal credit. My reason for making this complaint is due to the unethical conduct that has been engaged towards me by this institution. I applied for a personal savings, checking and as well as for my small business as well. The accounts was approved and was funded. After the approval of the membership application on both the personal side and business side. I decided to apply for a business checking line of credit and the application was approved after farther review and documentation review. Right after the approval of the business line of credit, navy federal decided to place a security on both accounts and will not allow me to have access to the accounts both online and over the phone. This is frustrating because every-time that i call navy federal they refuse to give me information on my account status and also refuse to give me the money in which was deposited to fund both accounts. I am writing the CFPB, because i have not had access to both my personal accounts with navy federal and business account with navy federal for almost 3 months now and they would not allow me to have access to the funds in which are currently deposited in both the personal account and the business account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-02

E Haven, CT

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

2017-08-31

Wdbg, VA

Applying for a mortgage

Mortgage: Other type of mortgage

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

Timely Response