NAVY FEDERAL CREDIT UNION

2017-07-13

Cheverly, MD

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-13

E Palo Alto, CA

Opening an account

Checking or savings account: Checking account

Confusing or missing disclosures
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-07-13

Hokendauqua, PA

Problem with additional add-on products or services

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

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

Timely Response

2017-07-12

TX

Incorrect information on your report

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

Account status incorrect
Complaint: My credit reports shows that I am 30+ plus days late on a credit card with Navy Federal Credit Union although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all. <P/>There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-12

Boloxi, MS

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: XXXX sent an incomplete order, with no pants. I immediately called and requested the item or a return label. This was followed up with multiple emails, alm to no avail. I contacted my credit card issuer, Navy Federal Credit Union and sent them the information regarding the dispute. To this day, I have not received a credit, nor has my dispute been settled. I have still been charged for goods that were not what I ordered. Navy Federal Credit Union takes a very long time to respond to each request. Yet when I submitted documents as they request of me, I still do not receive timely response, if at all. I last contacted Navy Federal on X/X/17 and again today. I need my money credited back to me. This has been far too long.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2017-07-12

Glenarden, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-07-12

Powder Spgs, GA

Trouble during payment process

Mortgage: VA mortgage

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

Timely Response

2017-07-11

PA

Problem when making payments

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

Problem during payment process
Complaint: I received a letter on XX/XX/XXXX that my Navy Federal Credit Union payment was late and due. I had not used the card since I opened it, so I logged into my account and noticed that there was a {$49.00} annual fee due that I had forgotten about. I immediately put my checking account information in to resolve the problem and avoid negative information on my credit report. I called Navy Federal to make sure the payment went through. I was assured the payment went through and there were no problems with the transaction. On XX/XX/XXXX, I received another letter stating that my payment was now two payments past due, and I also received notifications from my credit monitoring service that negative information had been added to my credit report. It was very surprising since I was told that the payment had gone through. I checked my bank account and saw that there was no payment removed. I called Navy Federal again and asked why the payment did not go through since my bank account had plenty of money in to cover the payment. They did not know what went wrong, so we went through the motions of making the payment again. I gave them the checking account number, which they confirmed to be the exact number I had given them when I tried to make my original payment. At this point, I called my bank to ask why the payment would n't have gone through, and they stated that the account number I gave was missing a number. I immediately called Navy Federal back to provide the correct number and make the payment for the full {$49.00} annual fee. I have made numerous attempts to resolve this issue with Navy Federal, citing that this was miscommunication of both parties, without resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2017-07-11

Thousand Oaks, CA

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: Navy Federal Credit Mortgage ( NFCU ) has been uncooperative from the beginning and is presently stonewalling my many requests for documents NFCU used to wrongfully foreclose on my home. NFCU states that I signed a " security interest '' in my home to my former spouse for him to take out a loan against my sole and separate real estate property, my home. NFCU wrongly foreclosed on my home and has repeatedly refused to provide to me any loan documents on my property as of XXXX 2017. I am a female veteran who NFCU has discriminated against. NFCU has also made misrepresentations that this supposed " security interest '' that NFCU claims I " signed '' exists. I went into the NFCU branch requesting a copy of the " signed security interest '' and NFCU stated " there was never a security interest document ''. NFCU could n't locate the document. NFCU also stated that they retain all documents for members mortgages. I 've asked NFCU repeatedly to put this information in a letter and they repeatedly refuse. It seems NFCU knows they wrongfully foreclosed on my home as well as participated in financial crimes against me with my former spouse, XXXX XXXX XXXX. They 're covering it up by lying to me and making misrepresentations to the CFPB. NFCU has no intention of assisting me nor providing any information on the illegal loan they gave to my former spouse. NFCU is using smoke, screens, and mirrors to assist XXXX XXXX in his mortgage fraud and real estate fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-10

Darnestown, MD

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-10

MA

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: I am a XXXX who has been working with my clients for almost a year and a half. My clients are from XXXX and are retiring here in XXXX. I began this process with them inXX/XX/XXXXwhen we meet in XXXX XXXX XX/XX/XXXXto discuss their particular situation and when they were looking to move here. I knew that they would not be moving till spring/summerXX/XX/XXXX but would be coming to XXXX frequently to see homes that interested them. About 9 months into the process I received an email from my client that she had been working with Navy Federal Credit Union on their preapproval and wanted to know if I was affiliated with them. She states in her email ( attached here ) " We are considering pre-approval with Navy Federal Credit Union. We 've been told that we can get a reduced mortgage rate with a realtor associated with them '' I informed them that it is a RESPA violation and that is steering. Through the next 5 months my clients continued to work with me, making several trips to XXXX to look at homes. The last time they came back was the week ofXX/XX/XXXX at which point we were going to look at a bunch of homes and hopefully put an offer in on one. I advised that they bring their preapproval as we would need that to submit and offer. They viewed some rentals when in town because they were not sure they would find something and wanted to move back ASAP. Without me knowing they went to see a house and feel in love with it. After all the paperwork was done they emailed me to let me know they had found the one. I was a little taken back by this and emailed asking if I had done something wrong ( emailed attached ). I was advised that I had done nothing wrong and that they LOVED working with me ( email attached ). They wrote me a fantastic recommendation on XXXX and stated " Our final commitment to XXXX XXXX and the house that we 're buying was based on NFCU and their partner program, XXXX XXXX ''. ( Email attached ) So after a year and a half of working with my clients, they find a house and NFCU tells them to use one of their realtors affiliated with them to submit the offer and NFCU will give them a reduced mortgage rate. I do not believe this is legal and this is also steering.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-10

Phenix City, AL

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-09

VA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Navy Federal Credit Union will not let me resolve issues via their telephone teller. This ahs prevented me from accessing my accounts and paying bills in a timely manner.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-08

Norfolk, VA

Problem caused by your funds being low

Checking or savings account: Checking account

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

Timely Response

2017-07-07

Jacksonville, NC

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-07

MD

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: On the abpp it says I have problem with my bank information, and it 's just showing me a blue! under my account balance
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-07

Baltimore, MD

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

2017-07-07

Boca Raton, FL

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

2017-07-06

Cartersville, SC

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I XXXX for a company called XXXX XXXX. I received an email from a person calling herself XXXX XXXX, stating that her boss wanted her to make an order with the company. She asked what the total would be, and I told her {$320.00}. She said that a check would be in the mail for me and that she would let me know when it was shipped. On Wednesday, XX/XX/XXXX, I received the check, but it was in the amount of {$2200.00}. I was told by XXXX that her boss had accidentally sent me the total for XXXX 's paycheck instead of just the amount for the order. She wanted me to deposit the check, make the order, and then send her the remainder of the money for her to take care of her bills, kids, and mother. I deposited the check that same day. The amount of the check showed up in my transactions, but had n't shown up in my balance until Saturday. That indicated to me that the funds were available and the check had cleared, so made the online order and then I sent the rest to her. Yesterday,XX/XX/XXXX, I noticed the check had bounced. I spoke with the bank about it immediately and they did n't refer me to the fraud department initially. The lady I spoke with told me that there was nothing they could do, and to contact Wal-mart and the police department. I called today and spoke with the fraud department, and I was told that there is a difference between funds availability and the check clearing. Today, I also drove an hour to the Navy Federal branch, where I posed the question " how would I distinguish funds availability from a check clearing '', and I was met with a response of " the account would not look any different in either instance ''. What I 'm left not understanding is why were the funds shown available if the funds were not truly available? I was also told at the branch today that the funds were shown available because the bank trusted that I knew where the check had come from based on my relationship with the bank. Ultimately, it seems that the bank was just as trusting in me as I was in the person who sent this check asking for products specifically from the company for which I XX/XX/XXXX, so why am I the one being held liable for this negative account balance?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-05

Wilkes Barre, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Some opened an account in My name Even though it was {$5.00} still Navy Federal Credit Union is asking Me to pay
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-07-05

Baltimore, MD

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

2017-07-05

Rowlett, TX

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 non-monetary relief

Timely Response

2017-06-30

Washington, DC

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

2017-06-30

Tunnel Hill, IL

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

2017-06-30

Jacksonville, NC

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