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 115
2017-05-25
VA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I took out a few cash advances about 5 years ago and paid them right back with in days. I used the cash advance to assist my sister in her new business, to meet payroll. She gave me the money right back and I put it back to the credit card and told them it was a cash advance payback. How are they still able to charge me interest on those advances, to the tune of {$67.00} a month for the past five or m ore years? XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-24
San Antonio, TX
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
2017-05-24
Saint Just, PR
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-24
Rockville, MD
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-23
Gastonia, NC
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: On XXXX XXXX , I received a promotional offer in the mail from Navy Federal Credit Uni on ( NFCU ). It stated that if I opened a Go Re wards Credit Card account I could get a 2.99 % interest rate on balance transfers with no balance transfer fees. It directed me to apply at www.navyfederal.org/go299. A fter I applied, had my credit checked, and requested to transfer my balance, I received their disclosures in the mail which said the interest rate on balance transfers was 10.24 %. I called NFCU to find out if 10.24 % was the balance transfer interest rate and I was told it is and that they had no knowledge of any 2.99 % promotional offer.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-23
San Diego, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: Recently, I was sent an invitation to join Navy Federal Credit Union. I applied online, and then received an email requesting additional identification documents with a link to upload them. I received a confirmation email saying that I would receive notification of my membership with in 10 business days. Three we eks later after not hearing anything, I called the phone number listed in the email. I was told there was a flag on my account. I was transferred to some department where a lady named XXXX informed me that I owe {$600.00} t o NFCU f rom XXXX . I told her I was a member a long time ago, but do n't recall when. She told me that I joined in XXXX , which I vaguely remember ; but I told her that I do n't remember when I last used my account. Since XXXX , I have filed for bankruptcy in XXXX , repaired my credit, paid ALL debts, and successfully qualified for a home loan. I explained that to XXXX , and asked why this debt was never reported to any collection agency or credit bureau. I also asked why a formal invitation had sent to me, if this alleged debt is blocking my joining. She mumbled something about records being purged. At that point, I told her that I had no knowledge of the debt other than her word, and informed her that I no longer have any interest in doing business with NFCU. This was a complete disservice, as I was required to submit some very sensitive information. It feels like a phishing scam.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-23
Spartanburg, SC
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2017-05-22
Philadelphia, PA
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: I have accounts with the banks ( Navy fed, XXXX XXXX XXXX ) yet the banks have had my address wrong I have called the banks on three telecom calls and ask them to have the unit number on my accounts so I may get the mail. It was not updated as a result my credit has been messed up. I would like for the banks to update my account if they have not done so and resend the statements out so I can review the bills and pay what is needed, and update my credit report please.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-22
New Orleans, LA
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
2017-05-22
Annapolis, 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
2017-05-22
Cheverly, MD
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Can't stop withdrawals from your account
Complaint: Good day. I am filing a complaint against Navy Federal Credit Union in what I believe to be illegal and false loan practices. I had several credit accounts with Navy Federal ( cr edit card, line of credit, overdraft protection ) that fell behind due to illness. Although I made small payments, the accounts were still behind. I received a call from Navy Federal in e arly XXXX XXXX asking if I would be interested in a consolidated loan for all the accounts. As I had returned to full-time work in XXXX , I was excited and eager to get everything back on track. After speaking to the gentleman on different occasions, I was happy to agree to the loan as long as there was disability/death protection coverage, as well as the interest rate couldnt be higher than whatever was the highest rate on my various loans/credit cards. The gentleman assured me that wouldnt be a problem, and that I had been approved. He advised that the promissory note coming would provide that information, as well, that until I signed and returned the promissory note, the loan was in a temporary approval. I received the promissory no te ( attached ) and the interest rate was wrong, and more importantly, no disability/death insurance was included. I immediately started calling Navy Federal to advise my concerns, and that I didnt w ant the loan. I was placed in someones voicemail, and assured that someone would call me back. I did NOT receive any calls regarding my complaint, and desire to void the loan. Each call was to advise that I missed the first payment, and wanted to know if I wanted to make arrangements for the payment. Each time I advised that the loan was INCORRECT, and I never agreed to the terms of the loan. Each time I was PROMISED the original loan agent would call, and to this day, Ive NEVER received a call from this individual. The only person who has at least attempted to resolve this issue has been a XXXX XXXX at XXXX . XXXX XXXX was able to provide the following dates that I called : XXXX XXXX , XXXX XXXX XXXX XXXX , and XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , and XXXX XXXX , and XXXX XXXX . I also have an email that I sent on XXXX XXXX XXXX , regarding the loan, that I never received any response. Im sure there are more calls, but I cant prove this. Additionally, Ive asked to have a copy of the recorded calls released to me, which Navy Federal has refused. Navy Federal has deduc ted and replaced funds from account on XXXX XXXX XXXX XXXX XXXX , and the lat est was XXXX XXXX which they are refusing to return. At this point, this loan should be voided, as well as removed from my credit report. Im not sure what can be done regarding compensation, but clearly this is all illegal. The only resolution they are offering is to place me in a voice mail where no one returns my calls.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-22
Houston, TX
Managing an account
Checking or savings account: Other banking product or service
Problem accessing account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-19
MD
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Received unsolicited financial product or insurance offers after opting out
Complaint: Back a few years ago, a friend used my name and address to obtain credit in his name. I was listed as a co-signer / authorized user. The Visa Credit card account was finally closed with a balance. My friend and I agree since we both used the card, to pay off the card balance. Since the Visa Credit card was in his name and he paid half, I agree to pay the remaining balance. I moved out of state while to continue to pay the balance off. The statement was going to his home in XXXX and I asked Navy Federal Credit Union to send the statement to my new addr ess in XXXX . I never gave my friend my new address, but I started to get pre-approved credit offers in the mail. I aske d Navy Federal Credit about this and their response w as " Subject : Privac y, Navy Fe deral Response XXXX / XXXX / 2017 : Thank you for your messag e. Navy Federal protects the confidentiality of your personal financial information. We do not sell your information. We only share information with nonaffiliated third parties when necessary fo r Navy Federal business purposes. For example, we share information with consumer reporting agencies. We may also share information with others to process transactions, to offer products or services approved by Navy Federal, or to comply with laws. When we share your personal information with others, strict confidentiality agreements and laws assure that your information is pr otected. Navy Federal is fully committed to the privacy of your personal financial information. Your Message XXXX / XXXX / 2017 : I am join owner of a CLOSED Navy Federal Credit Card XXXX XXXX XXXX XXXX and I asked that you 'll send the paper bill to myself being that I was paying the bill. What I was n't expected is tha t Navy sha re this information thru some finanical system. I am now getting mail for XXXX XXXX at my current address. Can you stop sharing my information with his name attached to it or please give me some advice in order that I stop receiving his BAD m ail. Navy Federal Credit shared my a ddress with XXXX of their third party who activated something in the financial system to send his bad collection notices and pre-approved offers.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-19
Chester, VA
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: I should have received a deposit from the IRS of {$6800.00} on XXXX XXXX , 2017 and the money was deposited into the wrong account. I have contacted the IRS and at this point I was given the conclusion that its up to Navy Federal bank an d XXXX XXXX XXXX XXXX to return the money since it was deposited to them. I have contacted both banks and the money is in an account with Navy Federal Credit Union. Navy Federal stated to me there is nothing that can be done and could not provide any service to me. The money is in an account with Navy Federal Credit Union where I also have an account with. I have been dealing with this situation for the past 3 months and would like to come to a solution.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-18
Houston, TX
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: Spoke with Navy Federal Credit Union pertaining to Fraudulent transaction that an ex roommate committed. Gave them his name and information for the claim, also provided the Federal Affidavit of identity theft, concluding the transactions were fraudulent. The Fraud Investigator stated that she approved the fraudulent transactions because nobody specified if the card was in my possession at the time of the use. I stated to her, that the first thing the person asked me was if the card was in my possession and I stated no it was not. My roommate gained access to my card. I stated to her as I told the previous representative, that he has XXXX XXXX issues, and has a problem with going into others belongings. I asked her to reopen the investigation and conduct a real investigation. She began to become very dry, and stated that she investigated the matter, and upon 10 times requesting a supervisor, she finally stated that the issue will be excalated to a supervisor and a supervisor will be calling me within 24 to 48 business hours. As stated, XXXX XXXX tomorrow morning would be the 48 hour cut off time, at which time I have received no call from any supervisor. I went to my account today, and all of my funds in XXXX were stolen, and they stated it was to satisfy the outstanding balance from the fraudulent charges. This bank has stolen my funds and sided with identity thieves which does not sound like or even began to look as though they are XXXX XXXX, and some other entity is doing this to my accounts, which would be illegal. I spoke to a number of people and advised them, that XXXX XXXX gives a written notice anytime, funds are being withdrawn without the consent of the customer. They give the date and the time, and allow for the customer to be informed. This is not good business practice as I was not given proper notice of them stealing my funds to compensate for fraudulent transactions. I spoke with XXXX who declined for me to speak to any supervisor. I called back and spoke with a person by the name of XXXX, and later found out her name was not XXXX, it was XXXX, whom transferred me to XXXX, who claimed she was a supervisor, and stated they will not be returning my funds to my account until the investigation is over, she claimed her supervisor was named XXXX, and would not be able to be reached, and there is nothing that anyone could do when they could have. They could have placed my funds back into my account, but chose not to. Called back and spoke with an individual named XXXX who transferred me to her supervisor named XXXX, XXXX stated that he could not return my funds back into my account either, and stated his supervisor was named XXXX, and could not be reached. I am demanding XXXX XXXX Return every fund into my account, immediately, and pay for any damages this may have caused. I payed my vehicle payment, before they took these funds without notice, and without my authorization. People should be able to trust their bank, to uphold integrity, and look for the best interest of their customers. This credit union conducted itself as a sleezy bank such as XXXX, or XXXX XXXX XXXX, and has completely lost all of my trust. I am requesting all individuals involved be terminated, and that XXXX XXXX begin to be customer oriented as they once were, looking for the best interest of its customers, and giving excellent customer service, and not robbing its customers of peace of mind that their funds will be in their account at all times, without someone tampering with it. If someone commits fraud, for them to be there for their customers, without hesitation or question, and help their customer in that most violated time. Not to assist the identity thieves, and make the customer pay for something they did not do. I want my funds immediately, and all to be terminated and banished from reviewing my account in any form. And yes, to conduct a thorough investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2017-05-18
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-17
Menifee, CA
Managing an account
Checking or savings account: Other banking product or service
Banking errors
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2017-05-17
San Diego, 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: NAVY FEDERAL CREDIT UNION continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have XXXX accounts reporting without an account number.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-17
Cheverly, MD
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: My XXXX XXXX XXXX XXXX account ( ending in XXXX ) was closed on XXXX XXXX 2017 due to late payments. I received a call from a Navy Federal Credit Union Representative at XXXX ext. XXXX . The representative informed my that although my account was closed, I had 60 days to bring the account back to current status in order for the company to entertain reopening my account. I had the representative confirm the 60days statement on multiple occasion all in which he confirmed. I spoke with the representative consistently under his assurance, I made payments of {$340.00} on XX/XX/2017 ; {$880.00} on XX/XX/2017 ; {$740.00} on XX/XX/2017 and {$360.00} on XX/XX/2017 . The frequency of my payments were possible from me borrowing money from others as I believed and was under the impression that the representative was telling me the truth about the 60days policy. I spoke with the representative on the date of my payment on XX/XX/2017 ( this was the payment that brought my account in current status thus satisfying what I was informed by the representative ) to again confirm that the 60days policy was true and that it was n't a 30days policy to which he confirmed to the 60days policy yet again. I went ahead and walked a few miles to the closest Navy Federal site at the XXXX XXXX XXXX in XXXX , XXXX . once the payment was made, I called the representative ecstatic because I was able to fulfill my end of the deal and satisfy the requirements to my knowledge. The representative ensured me that he will submit the request to have my account reopened. about a week later on XXXX XXXX 2017 , I called the representative again to check on the status and he told me that " Unfortunately the request was denied due to a policy change ''. Feeling disappointed, I asked him if he could explain the policy change and when it was made. He informed me that the policy change " was just made this week '' and that the account needed to be brought to current standing 30days from account closure. I felt heartbroken and betrayed because I believed this was not the truth and that he knowingly manipulated me into making such payments. I asked how and why the policy change impacted my decision if I met/satisfied the policy in place when my request was submitted and he did not provide me with an answer. On XXXX XXXX 2017 I contacted the representative at ext. XXXX again hoping that it was all a dream but unfortunately he reiterated his previous statement citing the policy change. I asked to speak with his supervisor and he transferred me to Mr. XXXX at XXXX who also confirmed the policy change. The entire ordeal seemed surreal and falsified only for me to make the payments. I do believe that the representative at XXXX did in fact knowingly lie, manipulate and mislead me into making such payments and I believe that I was taken advantage of during my vulnerable s tat e.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief
2017-05-17
NY
Closing on a mortgage
Mortgage: VA mortgage
Complaint: I have previously submitted compliant XXXX about NAVY FEDERAL CREDIT UNION with respect to their unfair business practices and desire to overcharge discount points contrary to their own guidelines. In an act of retaliation and bullying Navy Federal Credit Union cancelled my closing on X/XX/2017 without ever providing me with notice. I had informed the Credit Union th at no one was authorized to receive communications on my behalf ( enclosed email-notice ) but they still enticed their own attorney to commit Mal-practice by directing them to contact an unauthorized third party about the case and state the following : " '' Per the lender this is where we are at with closing : " If he would like to close with the terms we currently have in place we can reschedule closing. The earliest date we can close would be Monday. We will need him acknowledgement on the CD with no change in the terms. '' As you can see Navy is not going to be changing any of the final terms of the CD. I will need to confirm a closing, if he still wants to close with Navy, ASAP and will just need to update the CD for the new close date and then have him acknowledge it by the end of the day tomorrow. Please let me know if your client would like to close on Monday XXXX or after. If adjustment amounts will change please provide new adjustments to me ASAP so I can send over a new dr aft CD today. " D emonstrating NFCU 's resolution to violate its instructions by refusing to communicate with its own borrower for ov er 48 hours and to even provide the courtesy to inform them that closing had been cancelled as a re sult of its failure to due its due diligence with respect to communications with all parties. It also communicated through its attorneys its attempts to utterly dismiss complaint XXXX and that it would hold on to its desire to violate section C of its Commitment Expiration Policy on the Mortgage Loan Price Commitment Agreement by raising the price for discount points above what was on the document and the prevailing rate of the day ( See attached agreement. Furthermore, it was discovered on XX/XX/2017 Navy Federal Credit Union did not properly disclose to the appropriate party the names of the individuals to take Title to the property to be recorded on the deed of trust further causing delays. On the closing disclosure issued XX/XX/2017 in order to close on XX/XX/2017 Navy Federal attempted to charge the buyer for delays it caused and demonstrated its intent to add additional fees by issuing a new commitment agreement on XX/XX/2017 with higher rates than it advertised despite the fact that the current agreement would not expire until XX/XX/2017 .
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-17
WV
Applying for a mortgage or refinancing an existing mortgage
Mortgage: VA mortgage
Complaint: NAVY FED ERAL- steering. I am a XXXX XXXX XXXX with XXXX XXXX . My client who our firm has been working with to find their new home, is a veteran. We have toured various properties and have assi sted XXXX XXXX XXXX in finding this home. He is ready to submit an offer on the property that we are the procuring cause of placement. My client calle d NAVY FEDERAL to obtain a loan. Navy Federal procee ded to tell my clients if they stop using our firm, they could refer my clients to a XXXX XXXX agent ( Navy fede rals referral company ). TO HAVE XXXX XXXX WRITE THE CONTRACT ON THE HOME WE FOUND THEM!!! It was so bad tha t Navy Federal three wa y called the agent to set an appt with them to WRITE THE CONTRACT ON THE HOME!!!!! THIS IS DOWN RIGHT UNETHICAL! and I am hoping you will investigate this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-17
San Diego, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-17
GA
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: ON XXXX XXXX XXXX , I OPENED AN ACCOUNT WITH NAVY FCU WHILE I WAS IN XXXX XXXX XXXX ( XXXX ) AT VIRGINIA. I RECEIVED THE CARD AND USED THE CARD AND PROBABLY CHARGED NO MORE THAN {$300.00}. EVERY TWO WE EKS I GOT PAID AND I SUBMITTED PAYMENTS ONLINE AND EVENTUALLY PAID THIS BALANCE. WHILE AT XXXX , MY DAD RECEIVED A LETTER ADDRESSED TO ME. THE LETTER EXPLAINED THAT I WAS NEAR MY CREDIT LIMIT. I WAS CONFUSED BECAUSE I HAD NOT MADE ANY CHARGES. WHEN I CALLE D NAVY FEDERAL I WAS TOLD I WAS LIABLE FOR THE CHARGES BECAUSE I COULD NOT PROVE THAT THE CHARGES WERE FRAUDULENT. THE BALANCE REFLECTS CASH WITHDRAWALS, FOREIGN TRANSACTIONS, NONE OF WHICH I MADE. CURRENTLY THE BALANCE IS {$7000.00}. THE AMOUNT WAS HIGHER AS I RECENTLY MADE A PAYMENT. AFTER TALKING TO A LEGAL ASSISTANCE ATTORNEY AND MY LEADERSHIP, I STOPPED MAKING PAYMENTS BECAUSE THE DEBT IS NOT MINE AS I DID NOT AUTHORIZED THOSE CHARGES. I PAID BECAUSE I WAS AFRAID OF WAGE GARNISHMENTS.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-15
San Jacinto, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Dear Sir or Madam, We have a conventional 30 year fixed conventional mortgage loan with Navy Federal Credit Union. We recently received a New Mortgage payment notice letter from them stating that our monthly payment is going up 27 %, and the monthly escrow increase went up 170 %. This has placed a tremendous financial hardship on my family and I. In addition my closing documents stated that our payments should not increase more than the original monthly payment. We feel at a minimum this is a violation of Truth in Lending Act and RESPA and general ethical mortgage practices I had with Navy Federal. Wh en we were in the process of closing the loan the Navy Federal Loan broker XXXX XXXX stated that after the loan closes we are eligible for a one time no obligation interest rate modification if the rates drop. The rates did drop and we contacted Navy Federal se veral time to get a mortgage rate modification and the Customer Service department stated that we would have to wait a lot longer in our term for a potential rate modification. Completely opposite of what our broker stated while we were in the process of obtaining and closing the loan. Primary this huge monthly increase of 27 % and 170 % escrow increase has placed a huge financial hardship and burden on us. In addition the fact we pa y two annual property tax payments ourselves and they are increasing our monthly payment significantly we need your assistance to bring our payment manageable and bring Navy Federal int o compliance on this pressing matters. Thanks for your attention in this matter. Sincerely, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-15
Pensacola, FL
Managing an account
Checking or savings account: Other banking product or service
Problem making or receiving payments
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation