NAVY FEDERAL CREDIT UNION

2017-06-02

Austin, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-06-02

Manito, WA

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

2017-06-01

El Paso, TX

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

Timely Response

2017-06-01

Barstow, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-06-01

Macon, 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

2017-05-31

AL

Getting a loan or lease

Vehicle loan or lease: Loan

Changes in terms mid-deal or after closing
Complaint: DISCRIMINATION Plaintiff : Company : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX, Al XXXX Phone : ( XXXX ) XXXX Defendant : Navy Federal Credit Union General Correspondence XXXX XXXX XXXX, XXXX, VA XXXX My name is XXXX XXXX the claims stated are true and accurate. ( 1 ) Customer : XXXX XXXX received a Bill of Sale from XXXX XXXX XXXX XXXX Bill of Sale attached ( 2 ) XXXX XXXX presented the Bill of Sale to Navy Federal Credit Union. XXXX XXXX was given a draft and instructed to presented to the company she was purchasing the vehicle from. Draft attached with Pre-approval Draft Endorsement Instruction Sheet ( 3 ) XXXX XXXX presented the check to XXXX XXXX in which a deposit was made into XXXX XXXX XXXX XXXX account with XXXX XXXX XX/XX/XXXX. ( 4 ) Around the hour of XXXX -XXXX XX/XX/XXXX I XXXX XXXX received a call from Navy FCU. Agent XXXX. He requests for me XXXX XXXX to forward him a copy of the Business License. I honored his request with the State, City Business License and Designated Agent Certificated. Copies Attached ( 5 ) After producing the business license. Received and email from Navy FCU : Subject ( Consumer loan letter of conditional approval ). Email copy attached I I contact Navy FCU with questions about the letter of condition. I spoke with Navy FCU agent XXXX who stated that he was with the Security Dept. for Navy FCU. He requests that XXXX XXXX XXXX XXXX produce copy of the front and back of the title. Copy of title attached I took the copies of the front and back of title to : Navy FCU. XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone XXXX. Met with Assit. Mgr. Branch office-MLO XXXX XXXX. Presented copies of the front and back of the title. After reviewing her monitor she stated that she could only forward the documents and she could not offer me any assistance. I would have to take this up with security. Did not provide me with a direct number or a contact person. ( 6 ) I XXXX XXXX return home. Contacted the XXXX number. I was directed to XXXX. He spoke with his supervisor. XXXX message was they had received the copy of the front and back of the title but that was not sufficient. The supervisor request. The only way Navy would fund this transaction is for the company name to be on the front of the title. XXXX XXXX received a statement from Navy FCU with instruction on what documents she would need from XXXX XXXX XXXX XXXX before they would release the funds. Attached Form from Navy FCU ( 7 ) My response. As a Designated agent for XXXX XXXX XXXX XXXX with over 30ty years experience, I have never in counted behavior such as this. Procedures for transferring of title or self-explanatory for people in the business of auto sales and finance companies. I request a copy of Navy FCU policys when it comes to title for the institution. As of this day have not received them. ( 8 ) XXXX XXXX faith in the company stood fast. I XXXX XXXX contact XXXX XXXX. Spoke with a gentleman by the name of XXXX XXXX. Request his assistance. I negotiated a deal for his company to sale a vehicle to XXXX XXXX. He agreed. I assisted XXXX XXXX to XXXX XXXX location in which I participated in the negotiations. ( 9 ) XXXX XXXX fax Navy FCU a Bill of Sale for XXXX XXXX to Navy FCU. Navy FCU was issued a Draft for the vehicle. XXXX XXXX and I drove away with the vehicle. In a casual conversation with XXXX. They have friends that work with Navy FCU. Moral of the story. Policies are designed to be applied when a company does not want to do business with a License Business with no blemishes. Attached you will find XXXX XXXX XXXX XXXX Sales package with front and back of title and Sales package of XXXX XXXX. Please examine the front of the title. XXXX XXXX XXXX XXXX Title Registered Owner : XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- - XXXX XXXX Title Registered Owner : XXXX XXXX XXXX XXXX . LIEN HOLDER FOR BOTH TITLES : XXXX XXXX XXXX XXXX XXXX Title is not in the name of the dealership as well as XXXX XXXX did not sign the back of the title of vehicle purchase. She sign an open title of transfer for a notary to complete that was not present. Copy of form attached. Summary : Navy FCU ( 1 ) blat tiny discriminate against XXXX XXXX XXXX XXXX. ( 2 ) Damage the credibility of the company ( 3 ) Cause undue stress ( 4 ) Tarnish the company name ( 5 ) Loss of business XXXX XXXX XXXX XXXX has experience : prejudice, bias, bigotry, intolerance, narrow-mindedness, unfairness, inequity, favoritism, one-sidelines, partisanship
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-31

Roswell, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-05-31

Maricamp, FL

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2017-05-31

Chicago, IL

Closing your account

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

Company closed your account
Complaint: I had a visa credit card with Navy Federal Credit Union since XXXX . <P/> I rarely used the card, but paid interest on the balanc e ( card limit was {$1000.00}, and the balance was around {$200.00} ) . I paid off the balance last week, and suddenly, the account was closed. <P/> When I inquired what happened to the account, I was told that the account was closed in XXXX . I was not notified of this, and had continued paying interest on the account, thinking that it was still opened. <P/> I sent them a letter requesting that the account be reopened, since I paid interest all of this time, but they insist I apply for a new card. I feel like if they closed the account without my knowledge, and I 've paid regular credit card interest on the balance for the last 3 years, they either should reopen the account as per the previous terms, or they should refund all of my interest payments since XXXX .
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-31

Virginia Bch, VA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Money was taken from your account on the wrong day or for the wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-31

Marietta, 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 monetary relief

Timely Response

2017-05-31

Pomona, CA

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 non-monetary relief

Timely Response

2017-05-31

Annapolis, MD

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2017-05-31

Bumpass, VA

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

2017-05-31

Lakewood, CA

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

2017-05-30

Memorial Square, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I 'm on worker 's comp with my job and ask for a loan modification due to my financial hardship and the Navy Federal Credit Union kept on requesting information andI kept on supplying everything they requested. Then they denied me a loan modification because they said they did not get it in time. I 'm only 6 months behind and a want to keep and stay in my home. I 've never been late on my mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-30

FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: Someone opened a loan with navy federal credit union bank for {$24000.00}. I noticed because i got alerts from all three credit bureaus. i opened a case with the police as well. United states postal office. I have no knowledge of this account. I have never received any information on this account to my home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-30

Dallas, TX

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

2017-05-29

KY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: myself, my wife and XXXX XXXX XXXX son checked into the XXXX XXXX XXXX in XXXX Kentucky on the first of XX/XX/XXXX and stayed until the morning of the XX/XX/XXXX. during our stay the maids would n't clean our room due to our son being in the room. one evening I went down stairs to get trash bags and I did n't let my room door slam because my son was sleeping, when I came back to the room I discovered that the door did n't latch although it looks if so it was. The morning of the XX/XX/XXXX at XXXX XXXX myself and my family checked out at the front desk and turned in out room keys. my wife did n't let the door slam to be respectful to the neighbors sleeping. after checking out my wife drove back home to South Carolina and I had to travel to XXXX for work. at XXXX XXXX I received a call from the Hotel saying I destroyed my room and that they have already charged my card {$900.00} for the TV in the room. I told them their 's no way I done that and to check the security cameras of me leaving and of the floor I was on. and they said that their was no camera on that floor and that they checked the room key logs of when the room was accessed and that it was n't accessed until the maids accessed it a XXXX or so. and they said TWO maids found it like that and that as soon as they found it they came and got the manager. the manager hung up on me and said he does n't care and if I want I can dispute it. and after I called back he said he knows how MY KIND are AKA the MILITARY, he said we always party and destroy rooms and that this is n't the first time its happened. he acted as if my wife and I partied with my XXXX XXXX XXXX son. but when I requested for the video footage of the room and of the security cameras of me checking out and of the room key log they said the manager would send it to me. I never received it and I contacted cooperate and they asked the hotel to give me what I requested but they still did n't. after returning from XXXX I went into the hotel and asked for the documentation again and the manager I spoke with said the GM is n't there and he 's the only one that can access that info. but when I first spoke with them on the phone the GM was n't there and they said that Two managers pulled the key log and everything. but they lied and did n't realize id be back and every time I 've talked to them their story is different. I seen the video of the room because it was on the managers computer and their was only ONE maid that was there and the trash and towels were still stacked up like we had left it and their was NO LIQUOR bottles or anything in my room. the beds had been pushed for the box spring and the tv was scratched. I asked him why would I stack my trash and towels if I was going to do that. he had no answer and said the GM would n't be back for a week or so. so I 've went and talked to a Lawyer and am trying to get this resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2017-05-27

Huntington, WV

Trouble using your card

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

Can't use card to make purchases
Complaint: For a couple of years I 've been able to exceed the max balance by {$2000.00} as long as the entire over limit balance is paid each statement. On either XX/XX/XXXX o r XX/XX/XXXX , I thawed my credit to apply for a personal loan with them which was declined. The main weighted reason for the decline was derogatory public information. I did n't know what this was so I checked my credit and there is a medical debt collections account for {$350.00}. Well, I had no knowledge of this debt and I 'm working to get it removed. I have received no written notice of debt and no one has contacted me regarding it ( even from whatever the original company was ) , it just showed up. Well, my card was over the limit ( but still within the grace period ) and they started declining charges a week later. When I called them they would n't acknowledge a grace period, would n't acknowledge a set grace limit ( which I had been told was {$2000.00} for me XXXX . I feel they are using the untrue collection information they obtained in the personal loan application ( through that credit pull ) and are using it against me on the credit card I have had in good standing for over 10 years.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-27

Cols, GA

False statements or representation

Debt collection: Other debt

Impersonated attorney, law enforcement, or government official
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-26

Cheverly, MD

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: In XXXX XXXX Navy Federal Loan Officer , XXXX XXXX , informed my wife and I via email that we would be able to be down the mortgage rate from 5 % to 3.75 % for {$12000.00}. My wife and I set a closing date for the sale of our old house and the purchase of our new house in XXXX XXXX . In XXXX XXXX , XXXX informed us via email the amount to buy down the rate changed from {$12000.00} to {$24000.00}. My wife and I did not have the additional {$12000.00} to buy down the rate. We would lose our deposit of {$5000.00} if we did not go thru with the purchase of the new house so we moved forward and incurred a serious financial hardship by having to incur a monthly mortgage payment we did not plan for as a result of XXXX XXXX lack of honesty/candor. I subsequently reached out to XXXX XXXX manager, XXXX XXXX , Loan Operation s Manager, Navy Federal, and sh e has shown an unwillingness to help us refinance our house or provide a mortgage modification.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-26

FL

Other features, terms, or problems

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

Other problem
Complaint: I have spoken with Navy Federal Credit Union on multiple occasions. NFCU is the only company I have an issue with in getting SCRA full benefits for my husband. All the other companies lowered the interest and the monthly minimum due using the same paperwork and same DoD website that NFCU refused time and time again. After being denied SCRA benefits ( of interest reduction ) for months, being accu sed of lying about my husband 's XXXX XXXX service, they finally corrected that. However, they refuse to lower the minimum due. This is against SCRA as well as, ironically, the information NFCU has on their 'Military Pay ' App. SCRA specifically says a financial institute CAN NOT accelerate the payment of the principal balance. By NOT lowering the minimum due, that is exactly what NFCU is doing. Attached is a screenshot from their APP, stating " Furthermore, the monthly payment must be reduced by the amount of interest saved during the covered period. ''
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-05-26

Cheverly, MD

Trouble during payment process

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

Complaint: I have been trying to resolve the issue of insurance charges to my account for over six months. There is a escrow account attached to my account that should have never been established I have provided proof of private insurance and certificate of liability insurance from XXXX XXXX XXXX to certify that the policy of insurance in respect to my property. I am still being charged and escrow of {$99.00} each month on top of fees and fraudglent balances of money charged for something that I already have had in place for over the last 10 years!! My account needs to be adjusted and the fees to be reversed and credit back to my account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-26

CT

Incorrect information on your report

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

Information belongs to someone else
Complaint: Navy Federal is reporting to XXXX that I 'm late In XXXX and XXXX XXXX on a line of credit that was opened in XXXX XXXX XXXX by XXXX XXXX I did not know XXXX , XXXX XXXX , I never signed for a line of credit, I met XXXX XXXX XXXX XXXX and much later on became a user on his account. I have called and also disputed this online and sent a fax on XX/XX/XXXX and they refuse to remove it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response