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 108
2017-08-01
Santa Ysabel, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: Please see the attached letters to Navy Federal Credit Union, XXXX and XXXX. Here are the facts : 1 ) Navy Federal Credit Union initiated foreclosure proceedings on my principal residence in XX/XX/XXXX. 2 ) In XX/XX/XXXX, I filed Chapter XXXX bankruptcy 3 ) In XX/XX/XXXX, my Chapter XXXX bankruptcy was discharged along with the debts that were included in this bankruptcy, including the mortgage on my principal residence. 4 ) Between XX/XX/XXXX and XX/XX/XXXX, I negotiated a loan modification to my mortgage loan and began making payments in XX/XX/XXXX. 5 ) I have made monthly payments on this mortgage loan every month since XX/XX/XXXX, have never been late nor missed a payment. 6 ) I applied for a automobile loan at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and a secured XXXX credit card ( {$1000.00} deposited for a {$1000.00} credit limit ) at Navy Federal Credit Union on the same day ; the first was because I need to purchase a used vehicle and the second is because I need to re-build my credit. 7 ) The automobile loan was denied due to lack of credit history. The secured XXXX card was denied because of a past loss ( because of the Chapter XXXX bankruptcy ), despite the fact this account would be fully secured with no loss potential for Navy Federal Credit Union. 8 ) Upon # 7, I pulled all 3 of my credit reports ( XXXX, XXXX and XXXX ). I was shocked to see that Navy Federal Credit Union was not reporting my positive payment history on my mortgage loan for the past 4 years on XXXX and XXXX. XXXX does show my payment history accurately. When I contacted XXXX, they told me I had to get Navy Federal Credit Union to remove the " Included in Bankruptcy '' designation and then they could report the positive credit history. On both XXXX and XXXX, they are both showing my mortgage account CLOSED, when in fact it 's not. I have filed complaints with both of these agencies. 9 ) I also spoke with Navy Federal Credit Union. They claimed that since my mortgage debt ( but not the lien ) was discharged in bankruptcy, they are prohibited under Federal Bankruptcy law from reporting any credit history for debts that have been discharged in bankruptcy. Federal bankruptcy law has nothing to do with credit reporting. The Fair Credit Reporting Act does. My point is, why ca n't my POSITIVE payment history on my modified loan be reported and published by the credit reporting agencies?? XXXX is reporting this information correctly. That is the only way I 'm going to be able to obtain credit in the future. 10 ) Finally, I spoke to Navy Federal Credit Union again this morning about potentially re-financing my loan which is currently in modification but will be due to re-set in XXXX XXXX. They told me it would be VERY likely denied because of a " past loss '' no matter my payment history since the loan was modified, no matter my income, and no matter the amount of equity I have in my home ( which is currently approximately {$180000.00} ). This is simply punitive and really should be outlawed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-01
Juniper Hills, CA
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: Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} Navy Federal Credit Union No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-01
Juniper Hills, CA
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: Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-01
Houston, TX
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I did n't receive my cash advance
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-01
Chestnut, NJ
Managing an account
Checking or savings account: Checking account
Fee problem
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-01
Carlsbad, CA
Can't stop withdrawals from your bank account
Payday loan, title loan, or personal loan: Payday loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-01
Covington, GA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2017-08-01
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
2017-07-31
Moore, OK
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-30
Hazlehurst, GA
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
Complaint: Dates and amounts are contained in the attached files. In summary : I had my eyes checked at the XXXX vision center, ordered lens from them. Could not use them, they gave distorted and blurry vision. The XXXX XXXX XXXX scheduled another eye test, got it and they ordered new lens. The vision from this second order was worse than the first. I notified XXXX Store Management and they just shrugged and offered no resolution. I called NFCU and said I want to dispute the XXXX charges, repeated in excruciating detail all that had happened and asked if they needed the location of the store. I was told that they had all they needed. Shortly thereafter I received a letter with a form in it. I filled out the form and sent it back to them. My wife then gets a letter with her credit card number on it saying they are not going to dispute the charge because she did not return the form in time. I did, the delivery receipt is attached. I also received a letter, with my credit card number on it, with a bunch of checked boxes indicating what forms were required. All documentation detailing this is attached as files. It appears that these credit card people are in total disarray and are throwing up their own administrative obstacles in an attempt to NOT resolve this credit card dispute with XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-30
Occoquan, 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: XX/XX/XXXX I checked my credit report and noticed that a navy federal credit card was opened in my name back in XX/XX/XXXX and had a balance of XXXX . Before I even noticed about the account I had been receiving phone calls from random strangers who would n't identify themselves but knew all of my information including my address, social security number and banking information including security passwords. They used dead end numbers to contact me, telling me I owe them debts and if I did n't pay I would be taken to court which turned up to be fraudulent. The account had been being used time for time according to my report. When I called Navy federal about the account, I mentioned that I called my local police department to report identity theft along with freezing my credit reports, instead of helping me, they deflected my concerns and took it upon themselves of telling me that I should change account numbers and get a new credit card number. I mentioned to them that I never received a credit card at all and never got billing statements even though I have never gone paperless for any of their statements, which was confirmed by a customer service rep. This loan amount never appeared on my NFCU app until after the first phone call about the fraudulent credit card was made to the fraud dept. What is more crazy is I looked at the billing statement paper that was given to me, it also shows security flaws. These security flaws expose the credit card information associated with the account, and it also shows my personal access number which makes it seem like I am the owner. I noticed the card was named after my personal code word which I found to be a little crazy. I called four more times after that on the same day and when I attempted to find out how this credit card was opened, what address the credit card and billing statements were sent to, and if it had a pin number associated with it, with these obvious red flags of a fraudulent credit card account, I have been given the run around because if I were the owner, I would have known this information to begin with and would not have even called about the account in the first place. The last agent I spoke with, explained to me that I could shut down the account as they investigate this but they have not done an investigation, all they have done is after 15 days of not paying the monthly bill, the credit card account was put in default and sent to their collections department who has been doing deducting money from a joint savings account that 's between my spouse and I and using that to pay the credit card back without any formal consent. According to their credit card terms and agreement, the account will be in default after 60 days of non-payment, but as way for them to not take responsibility for their recklessness and security negligence, this fraudulent account was placed in default after 15 days, again violating their own terms and agreement contract. The only way I found this out, was by checking my NFCU app and saw that this money was transferred without any notification, thus breaking the protocol written in their credit card terms and agreement as it states that the authorized user is giving them permission to access and take money from all other accounts with NFCU to pay the delinquent account, but since my spouse and I were unaware of this fraudulent account until receiving my free annual credit report, we DID NOT give NFCU permission to access and take money from our accounts for this fraudulent account. The bank claims they have insurance to protect themselves from things like this, but they keep telling me I need to file a claim within thirty days from when it happened and it will be resolved. How can it be resolved if this fraudulent activity had been going on for over a year? How can I challenge this activity when I 'm challenging the whole entire account that is n't mine to begin with. The bank insurance should allow them to clear the fraudulent account out of my name and I can move on from this crazy experience. The bank claims I completed a phone application to get this card. if this is true where is my signature at? They also mentioned in there card terms and agreements disclosure the card is not valid in less my signature is on the back of this card and if this is true then the bank its self is going against its disclosure agreement. I have documentation to back up my claims and I will continue the battle to get rid of this fraudulent activity that NCFU has allowed even though they have been sued already.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-29
East Rockaway, NY
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: Timeline of Events for Unauthorized Credit Card Navy Federal Credit Union Access # XXXX Account # XXXX Opened XX/XX/XXXX Two credit cards were opened ; one for XXXX XXXX the other for XXXX XXXX XXXX XXXX was designated as Primary ; XXXX XXXX was designated as Secondary all under the same account These credit cards were Visa Signature Rewards Cards Neither card was signed for by XXXX XXXX ( believe this was opened electronically and digitally ) XXXX XXXX never once was in possession of either card nor made any transaction with any credit card Payments were made periodically for approximately 9 months while XXXX XXXX and XXXX XXXX were living together Living location was XXXX XXXX XXXX XXXX . XXXX XXXX, Virginia XXXX Account went delinquent approximately XX/XX/XXXX XXXX XXXX upon realizing account was in his name files a police report for fraud with the XXXX Police Department Economics Crime Unit approximately XX/XX/XXXX XXXX XXXX also signs an Affidavit of credit card fraud and mails to Navy Federal Credit Union approximately XX/XX/XXXX. Navy Federal Credit Union Fraud department receives Affidavit and police report and conducts investigation XX/XX/XXXX Navy Federal Credit Union responds to XXXX XXXX with a rejection XXXX XXXX claim of fraud stating that credit card was opened almost a year ago and XXXX XXXX was well aware of all the charges since investigation traced back all to same address and that XXXX XXXX had signed on to his account countless times and only notified Navy Fed when card went delinquent. Essentially Navy Federal couldnt accept incognizance of XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-29
SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I have made several phone calls to Navy Federal Credit Union in the last year and have gotten nowhere. I opened a secured credit card through them in early 2015. When I opened the secured card with my {$500.00} deposit Navy Federal was supposed to take that {$500.00} and put it in a secured savings account. I lost my job and fell on some financial hardship and was unable to make further payments on the card. Since I was spending my own money, once I could no longer afford the card that should have been it besides any possible owed interest. Upon contacting Navy Federal I was informed that there had been an error on THEIR PART in which they claim that the {$500.00} that they were supposed to put aside into a saving account had been released back to me. I NEVER had a extra {$500.00} in my account. At this point they have refused to help me even though it was their mistake and the only answer I get is that I need to pay another {$500.00} or {$490.00} to be exact. This to me appears to be fraud or a scam. It has been acknowledged to me in three conversations that the problem appears to be on their end yet they refuse to fix it.
It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Banking regulations and Defamation of character. My credit has suffered greatly from this as the reason I opened a secured line of credit was to help improve my score, this has only done damage.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-28
Fort Campbell, KY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-28
Snellville, GA
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-27
Washington, DC
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
2017-07-27
Tacoma, WA
Managing, opening, or closing your mobile wallet account
Money transfer, virtual currency, or money service: Mobile or digital wallet
Complaint: Navy Federal Credit union does not want to connect with XXXX XXXX account. If tells me my login info is incorrect but it 's not
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-27
IL
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 contacted Navy Federal on Saturday XX/XX/XXXX. They will not credit my account for fraudulent charges that were made to several retailers. The largest retailer being XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-27
Las Vegas, NV
Problem caused by your funds being low
Checking or savings account: Checking account
Non-sufficient funds and associated fees
Complaint: My complaint is for an insufficient funds fee of {$29.00} that NFCU charged to me on XX/XX/XXXX. They claimed that a company by the name of XXXX XXXX attempted a withdrawal in the amount of {$45.00}. Being as though this is a secondary account the funds are kept minimal and since I was not expecting a debit, the funds were low. I get an unexpected notice of an item being returned. I contacted the merchant twice and both reps told me they did not attempt a withdrawal as my last request for XXXX XXXX XXXX was on XX/XX/XXXX and I used another account that went through successfully. I feel as though NFCU is erroneously stating that XXXX XXXX attempted the withdrawal and then charged me the fee. Normally a company tries at least 2 times to debit a payment and another tempt was n't even paid. I even transferred funds in the account in the event they did.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-26
Inglewood, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-26
Tacoma, WA
Money was not available when promised
Money transfer, virtual currency, or money service: International money transfer
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-07-25
Cordova, TN
Opening an account
Checking or savings account: Other banking product or service
Confusing or missing disclosures
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-25
Key Biscayne, FL
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: This complaint regards predatory lending practices by Navy Federal Credit Union ( NFCU ) and has come to my attention by way of my XXXX sons who attend the XXXX XXXX XXXX in XXXX XXXX, NY. This issue is not isolated to this Academy and is likely the same at the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. Most XXXX are encouraged to become NFCU members during indoctrination as the credit union is the only bank with a branch on campus. As part of their curriculum, XXXX must XXXX a minimum of one year on a XXXX XXXX XXXX XXXX and are required to establish accounts at NFCU to have their their earnings directly deposited. Please see the attached Navy Federal Credit Union " Merchant Marine Academy Career Kick-Off Loan Program '' application. This particular loan program is offered to any student in their XXXX or XXXX year ( XXXX or XXXX XXXX ). The only disqualifying criteria seems to be having another similar loan in existence. Due to the rigorous demand of the Academies most student do not have outside jobs. NFCU is offering loans up to {$32000.00} to individuals without income and the ability to repay and with minimal or no credit history or experience with debt. Should a XXXX accept the loan and then fail to graduate ( as many do ), separate from the military or fail to maintain a checking account at NFCU with Direct Deposit the loan reverts from the 1.25 % teaser " to the prevailing signature loan rate. '' This rate is not disclosed on the application. I asked my sons if they or any of their friends at he Academy knew what that rate might be. No one knew. I searched NFCU 's website for this rate. It is not published. I called the number on the application, XXXX XXXX XXXX XXXX and asked myself. At first, I was given a range of APR rates for the wrong term loan. Upon further clarification, I was finally given the prevailing signature loan rate for terms over 36 months at 13.95 % -18 %, based on credit score. I asked what a likely credit score would be for a XXXX year old with no job and no prior history and we agreed that it probably would not be qualifying for the lower end of the rate scale. I am sure many of these XXXX take these loans out having no idea their rate could increase 12 fold, payments increase by hundreds of dollars every month and end up paying almost 10 times more in interest! The Credit Union knows these XXXX have no Federal student loans as they attend tuition-free US Academies and therefore these represent lower risk and their loans would likely be in the first position for repayment. NFCU knows these XXXX have no jobs nor ability to repay, yet offer a ridiculously generous unsecured " signature '' loans. They do not disclose the terms should the loan " revert '' and make it difficult for someone like me with plenty of experience with loans and credit to even find out. This program hooks these men and women on debt and locks them in as members from an early age. If that is n't predatory, I do n't know what is.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-25
Dallas, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I am in the process of trying to obtain a mortgage and reviewed my credit report for inaccuracies. I sent the below certified letter to the company after I received no response to my first two certified letters to dispute the account : " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on X/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required time-frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. ''
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-25
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Overcharged for something you did purchase with the card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief