NAVY FEDERAL CREDIT UNION

2017-05-15

Amherst, NY

Problem when making payments

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

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

Timely Response

2017-05-15

Destin, FL

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Complaint: To whom it may concern ; I am writing in regard to the referenced accounts and transactions. This vehicle was repossessed by NFCU in the State of F lorida on or about, XXXX , and resold on or about XX/XX/2014 . Under the laws of the State of ( State of Repo ) UCC 9.506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal s tatutes and UCC 9 remedies.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-15

Destin, FL

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Complaint: This vehicle was repossessed b y NFCU in t he State of F lorida on or about, X/XX/2014 , a nd resold on or about XX/XX/2014 . Under the laws of the State of ( State of Repo ) U CC 9.506 and Sta te RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all availabl e State and Federal statutes and UCC 9 remedies.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-15

NY

Closing on a mortgage

Mortgage: VA mortgage

Complaint: On or about XXXX / XXXX / XXXX XXXX XXXX was instructed to lock a mortgage rate of 3.375 with 0 Discount points and one percent origination. She chose to ignore instructions and instead placed a phone call after hours asking for clarification. When rates went up and it was communicated to her that she should have locked it and I wanted the rate locked on those terms, she locked the rate without clarifying terms and conditions on the date of the communication after the rates had gone up. Addition ally, Navy Federal re fuses to honor the language of Section C of its price Commitment and insists on charging an additional XXXX dollars to close the loan in violation of the language in it 's own documentation. I vehemently protested XXXX XXXX 's locking of the rates without clear instructions to XXXX and XXXX but even though they both admitted to not being attorneys and refusing to have counsel review the documents they interpreted the emails and documents in their favor. I specifically told Navy Federal Credit Union I would not pay for XXXX 's Mistake and rather than inform me they would not change the rates they waited until closing in an attempt to bully me to accept their higher terms. Furthermore, the Credit Union refused to provide the commitment letter in order to timely process the loan to my agent stating that they needed additional documentation on or about XXXX XXXX XXXX when they had already published the letter. Navy Federal Credit Union also waited until the business day scheduled before closing to verify employment information and ascertain child care costs, ensuring it would cause delays and profit from higher rates.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-15

Bar Nunn, WY

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

2017-05-15

FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Reported failure to pay after account closure date. Account high balance is incorrect and over limit. They refuse to provide all information to validate saying it 's unnecessary. They have repeatedly harassed for years wi th 5-6 rob ot calls a day after being told to cease and desist.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-15

Warrenton, VA

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Complaint: Navy Federal Credit i s reporting a $ XXXX {$150000.00} charge-off on my credit reports for an equity loan which was foreclosed on in XXXX . I 've sent them a letter on XXXX XXXX , XXXX ( received by them on XXXX XXXX ) seeking substantiation of this debt of which I 've not received a response. Navy Federal c ontinued to pursue foreclosure of our home in XXXX despite several attempts by us for a loan modificationthroughout XXXX and XXXX . We then hired an attorney which Navy Federal chose to ignore and not respond. In a final effort to alleviate foreclosure, my husband tried to file for bankruptcy, but was dismissed by the court because the only debt issue was the home mortgages which the judge said should be handled directly with our lender ( Navy Federal ). We 've never received any notification by Navy Federal that this debt is owed, nor have we received any deficiency judgements against us for this debt. In fact, Navy Federal even filed a XXXX for a forgiveness of this debt to the IRS. Your efforts to have Navy Federal subst antiate this debt are most appreciated. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-13

Cols, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-13

Syringa, VA

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
Complaint: ISSUE : Request assistance in getting refunded {$420.00} of the full purchase price of $ XXXX for Web Order Number : XXXX XXXX WATCH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Part Number : XXXX . Attempted to resolve issue directly with XXXX on multiple occasions from XXXX XXXX XXXX . Then sought resolution by submitting request to open an investigation XXXX XXXX XXXX with credit card issue r ( See Attached FILE XXXX ). Credit Card issuer applied a temporary credit back to my account on XXXX XXXX XXXX . Below is the last reply to credit card issuer in response to correspondence informing of action from response from XXXX ( See Attached FILE XXXX ). NAVY FEDERAL CREDIT UNION Credit Card Chargeback and Resolution XXXX XXXX XXXX XXXX , VA XXXX RE : NFCU Correspondence Cre dit Card Dispute with XXXX Online dated XXXX XXXX , XXXX Request an extension to suspense to reply to keep case open stated o n NFCU correspondence referenced on subject line. I have returned from a trip to Florida and today opened the NFCU correspondence with a suspense t o respond by XXXX XXXX , XXXX . Based on the evidence provided and NFCU correspondence dated XXXX XXXX , XXXX , I had no expectation of receiving any other action regarding this case and quite surprised o f NFCU r esponse to remove the temporary credit. XXXX Response : Dated XXXX XXXX , XXXX , states The customer also received credit in the amount of {$50.00} for the XXXX + for the original watch to the original form of tender. Also stated There is no record of the customer returning the XXXX Watch XXXX XXXX XXXX XXXX XXXX XXXX Ny. Rebuttal : Evidence presented is self-evident clearly showing that both of these statements are false. I have provided invoice evidence that I have paid twice for the same XXXX XXXX XXXX Watch. Simple question for XXXX is to show where I have been reimbursed for the remainder of the Online Credit {$470.00} minus the {$50.00} ( which was refunded correctly to original tender ) of {$420.00}. The evidence provided shows clear and unmistakable error by XXXX for non-refund of a returned XXXX product in accordance with XXXX Sales and Refund Terms and Conditions listed under XXXX tandard Return Policy XXXX Watch Returns. My expectation is for NFCU t o fairly act, based on the preponderance of facts provided, to make temporary credit final to fully reimburse my account for the returned XXXX product. If this action is not resolved based on the evidence provided I will seek resolution from the Consumer Finance Protection Bureau ( CFPB ). Your assist ance in this matter is greatly appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-12

Ames, IA

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-12

Temperanceville, VA

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Complaint: The credit union stop paying bills and I was not notified about fraud active or why they did n't pay my bills as scheduled, been set up for mouths and had been paid I want to know to mouth the fraud started I was told it was not normal to stop bill pay, the credit was asked to send letters to the reporting agency 's and they agreed they would and did n't, they sent me a email stating my copy was coming by mail, it never showed up and reason was the they sent it to the CFPB I never got the letters They sent me letters to send copy 's to the company 's claiming the did n't have the correct address how would know that how me the returned letters the address in the system is correct. They mess up my credit and no remorse are desire to help resolve the matter The money left the account so where did my money go I want to know where it went if bills was not paid They now paying bills prior to the due date after being told many times not and then when my money run the charge me fees without failed the credit union bill pay is out of control, with no caring to correct it they only about the bottom line. I want someone to tell me ; where my ; money went since it left my account for about five mouths, why and did they stop making payments and why was I locked out of my account, where did my money go and why was n't I notified what mouth did this start
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-12

Chicago, IL

Managing an account

Checking or savings account: Other banking product or service

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

2017-05-11

Jacksonville, NC

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 non-monetary relief

Timely Response

2017-05-11

Clermont, FL

Threatened to contact someone or share information improperly

Debt collection: I do not know

Talked to a third-party about your debt
Complaint: During the dates of XXXX / XXXX / 2014 and until present, Navy Federal Credit Union have violated multiple debt collection laws to try and collect money from me on owed debt. Navy Federal Credit Union used multiple different deceptive practices to try and obtain money from myself, which include falsely threatening legal action and wage garnishment, contacted third parties and threatened my job and security clearance, misrepresented credit consequences of falling behind on loan and credit card payments, and illegally froze access to my accounts. All of these deceptive practices are a direct violation of Dodd-Frank Act, and consequently Navy Federal ha s been issued a consent order for the violations I have listed above.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-11

Middletown, RI

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-10

Melbourne, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-10

Herndon, VA

Managing an account

Checking or savings account: Savings account

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

Timely Response

2017-05-09

San Antonio, TX

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: My name is XXXX XXXX , SSN XXXX DOB XXXX / XXXX / XXXX I used to have XXXX credit cards with NFCU back in XXXX , long story short, I ended up in the hospital and unable to make payments, account went charged off, I contacted NFCU because the amounts just do n't add up to me, I asked NFCU for a full account audit including contracts signed between NFCU an d me showing my signature as well as a FULL account statement showing why my account is that balance in both of the credit cards by law, if they can not provide with these items, they MUST REMOVE the records from my credit report and they have failed to do so. Also, they have XXXX account showing twice in my credit report, so instead of it being XXXX accounts it shows XXXX accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-05-09

Gloucester City, NJ

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: Almost two months ago I attempted to open a Navy Federal checking + savings account. I went through the entire online process without issue and was not notified of any problems. I deposited at that time {$95.00} into a checking account, {$5.00} as required into their savings. Approximately two weeks went by and after receiving no email contact, phone calls, or snail mail, I called in. I was told that they needed to verify ID and proof of address. I said, great, not a problem, got the ID number XXXX, a fax number, and sent the required items over. Again another week or two went by, zero communication, zero notification of any problems. I called in yet again. This time I was told my ID did n't come through OK. I told the woman I spoke to, fine, I 'll email it directly to the pertinent department. On XX/XX/XXXX, I sent a scanned, high resolution copy of my license, along with access code XXXX to XXXX. No response. Crickets. No mail, no phone, no anything. Yet again I call in to get a status update. Apparently that email, despite going to the precise email address provided - and despite having CONFIRMATION that the email was sent, apparently went into an abyss. I told THAT woman that either this gets resolved on the phone today ( at this time, late XX/XX/XXXX, more than a month after attempting to open the account ) or the account is closed today. The relevant department did not find the email and did not provide a convenient means to provide that information for a third time, thus I immediately demanded closure of the account. Closure was GUARANTEED. REfer to the XXXX recording that you supposedly keep. And a check in the mail was to be sent. And yet on XX/XX/XXXX I receive a letter in the mail requesting ID and proof of address to be sent. Which btw, was quite literally the first communication from Navy Federal to me at any point in this two month process. All other communication was me having to get in touch with Navy Federal And on this call, I 'm told that I need to show up at a bank location to close the account and get my XXXX money back. I 've wasted multiple hours and now I 'm being told a simple closure process that gets me my XXXX money back requires wasting MORE time as you are n't around the XXXX corner. I WANT MY XXXX MONEY BACK AND I WANT YOU TO LOSE ANY AND ALL OF MY INFORMATION If that does n't happen, I 'm taking everything viral. I have consumer 's list of 100k that I will put this story in front of and I will incentivize it going viral if need be.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-09

Gardnerville, NV

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-09

Cheverly, MD

Applying for a mortgage or refinancing an existing mortgage

Mortgage: VA mortgage

Complaint: I apply for a refinace with navy federal. I paid {$500.00} for the appraisal. when the result of the appraisal came back. The appraisal had old pictures of my house and no one ever came to my house to do the appraisal. it look like they just used the old pictures from when i bought the house in XXXX the house was approached for XXXX but a house seemlier to my house in the XXXX XXXX sold for XXXX i tried call to explain to navy that the XXXX used and old picture and no one never came to my house. but i did n't get anywhere. pls i need your help with this {$500.00} is a lot of money.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-08

Country Lakes, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-08

Occoquan, VA

Closing on a mortgage

Mortgage: VA mortgage

Complaint: I applied for a refinance loan on the current VA loan I had with Navy federal Credit U nion ( NFCU ). Two weeks into the refinance I was informed my VA appraisal came in lower than I had expected, the NFCU XXXX Manager expected, and the XXXX home appraisal rating. I asked the NFCU loan officer about appealing the VA appraisal and asked in writing for the rules on appealing my VA Appraisal. This request was made on XX/XX/XXXX in writing to the loan officer, her supervisor and his supervisor. on XX/XX/XXXX I r eceived the form to file the appeal. I was told I had to fill out the forms and resubmit them and that this would halt the loan process. I contacted the loan officer and multiple supervisors via email during this time, All informed me that I had to fill the forms out correctly or the VA would reject them. So I had to fill them out twice. As a man with a XXXX XXXX in XXXX I co uld not make heads or tails out of the form requirements. I contacted a real estate agent and they worked with me to get the answers sufficient to have the VA Appraiser to raise the value of my home from XXXX to XXXX . The three comparable units I submitted were valued at XXXX to XXXX . I am filing a complaint with the Virginia senators on the VA appraisal inspectors form the south of the state undercutting the value of homes in northern Virginia. They are abusing the veterans in northern Virginia and the senators need to take a peek at this! Sorry its part of the complaint. Now having gotten to the value of the home correct ( or as close to correct as possible ) I was informed my rate had changed. I requested to appeal that due to the lateness of the VA appeal documentations from the loan officer. As I explained to the managers it was their loan officer who failed to supply me the documents in a timely manner. During this time we had set a closing date of XX/XX/XXXX but were debating the interest amount. On either the XX/XX/XXXX or the XX/XX/XXXX I re ceived a call from the mortgage collections department wanting to know why I had not made my mortgage payment yet. He stated something to the nature of I am on a list of people with recent credit issues with NFCU and we are informing you that if you do not pay your montage on time we can submit a derogatory credit report. I interrupted him several times and said I am in a refinance of my mortgage, and he keep going on how this can damage my credit. I finally told he that I would pay it before the penalty date if I did not close on the house and hung up! I find that harassing and along the lines of what the NFCU was fined for last year by the CFPB. I was one of those folks who had his funds grabbed and not given back, I did not get contacted about the last complaint by NFCU. I did not know about the CFPB until my problems with NFCU on the refinance of my home and did a little research. O n XX/XX/XXXX I asked the mortgage processor and supervisor about someone calling me calling me and hounding me about paying my loan, I stated I wanted to know why this was happening and that senior management of NFCU be made aware this was happening! I never received a response to my request. This loan has closed and I received a letter from the VA explaining my rights under the VA loan, it specifies " While there is no grace period, lenders can not assess a late charge unless your mortgage payment is more than 15 days late. Late charge can not exceed 4 % of the Monthly payment amount. '' By the VA saying this, they imply a 15 day grace period. I know better that I am being assed interest every day. Needless to say I could not get the Loan processing team out of FL to lower my loan interest amount, I informed them that I would except the rate begrudgingly but would bring it up at the 84th Annual meeting of members of the NFCU in XX/XX/XXXX . We Closed on the house 0n XX/XX/XXXX of XXXX 2017 . On XXXX XXXX , 2017 , I emailed about my check for the refinance and received an email saying it was should be deposited later that day! I called the NFCU settlement office and confirmed that the wire transfer had been sent. on XX/XX/XXXX I went to XX/XX/XXXX office of NFCU and was told the wire transfer failed and it would be deposited by cob that day. All of this was going on dealing back and forth trying to find my money ( that I had to beg for ) while I was running to and from XXXX during my wife XXXX XXXX . The answer I got was a problem with the wire. NFCU has gotten too big and the XXXX veteran does not have a chance. The local NFCU manager in XXXX knows here area and customers. She is the only person in the whole organization that tried to help me, but most of the time it is out of her hands. I have the emails from dealing with the loan officers and how I tried to solve the issue. On XXXX XXXX 2017 I went to NFCU 84th Ann ual Meeting. During the new business section of the meeting the " CFPB Orders Navy Federal Credit Union to Pay {$28.00} XX/XX/XXXX for Improper Debt Collection Actions '' was brought up by two members each seeking to understand what happened and who was fired! These questions were directed to both XXXX XXXX and XXXX XXXX . XXXX XXXX seemed to gloss over the issues and said that the NFCU was not doing anything wrong and thereby no one was fired. At that point I told XXXX XXXX that the NFCU is still using those practices and they used them on me less that a month ago. He called me a liar in polite terms. I would not let go of the issue and was assured someone would make it right. That night I was approached by a female who said she represented the XXXX and wanted the whole story, I explained my issue with the mortgage collection call and the fact I got punished with a higher interest rate on my loan for an incompetent loa n counselo r and the NFCU training program. This person turned me over to " XXXX XXXX '' ( not sure if this is his real name as he could not name his boss during a conversation with me ). He said he would look into the matter. Later, I find out " XXXX '' is the VP of mortgage collections. But he sure knew how to play dumb when I told him I wanted the name of the guy that called me a liar, finally after I reminded him that he told me he worked directly for the that guy the night we met! On XX/XX/XXXX , so meone called from NFCU management suite , ( phone number is outgoing only ) and said that I was correct about the mortgage collections call and apologized for the phone call and assured that it would never happen again. I then asked what about the loan and how 's about the XXXX being the one to call and apologize, he called me a liar! once again I was told someone would call and take care of it. Now on top of this each time I start with a new person I have to rehash everything again and again. they do not seem to have a central file for documentation on their loans. Several calls were made between XX/XX/XXXX and XXXX XXXX 2017 bet ween myself, XXXX XXXX , and XXXX XXXX in trying to solve my issue. During this time, I had to give a deposition in a court case with XXXX over my Credit report. I spent four hours being drilled and implied a liar during this case and now they are working out a settlement with my lawyers. ( Needed information ) O n XX/XX/XXXX XXXX XXXX VP mortgage processing ( not sure ) contacted me about my issues and we had to rehash the whole process again. She said she would talk to her manager and see if we could resolve this issue. I was very hopeful that we could come to a resolution. On th e XX/XX/XXXX I g ave my deposition on my battler with the credit bureau. Around XXXX o'clock that day XXXX XXXX offers me to lower my loan percent to the original interest. I asked about a call from the XXXX and that apology and she said she did not know about it. I told her I had to wait a day to decide if their offer was enough. I called XXXX and asked about the apology and he said I was wrong not the XX/XX/XXXX . He seems to know a lot more about my case by this time. I called XXXX XXXX and told her the current IRRL was 3.250 % and I would take that, she stated that is has a .50 % funding fee. I said toss that in form all the issues and its a deal. I was told the best I could get was my original interest rate. I told her tanked you but that does nothing but cover up issues at NFCU and they way they treat their customers.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-07

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-07

Cheverly, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: On XXXX XXXX 2017 I sent navy federal credit union a QWR " qualified written request '' for the following information, full, double sided, certified true and accurate copy of the original promissory note and security instrument and all assignments of the security instrument. 2. Full name, address and telephone number of the actual entity that funded the transaction. 3. Pursuant to the Truth In-Lending Act 131 ( f ) ( 2 ) and 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage. 4. Full name of Trust where the Note Number is trading, or has traded, and the identifying Series of Certificates. ( Note : If the note number is being traded in a XXXX XXXX Trust or XXXX XXXX Trust, please provide all information to identify the Trust ( i.e. XXXX XXXX Pool Number, XXXX Number, XXXX or XXXX XXXX Number and Trust Class/Tranche ). 5. Full name, address, and telephone number of the Trustee. 6 . Full name, address, and telephone number of the Custodian of my original Promissory Note, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act. 7. The MERS M ilestone Report, if the note number and security instrument was tracked by Mortgage Electronic Registration Systems. I want to see the audit trail of the alleged transfer in ownership and alleged transfer in security interest. 8. A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied. 9. A complete and itemized statement of any and all fees and/or charges against this account. 10. A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. 11. A complete and itemized statement from the date of the note origination to the date of your response to this letter of the amounts charged for any forced-placed insurance, the date of the charge, the name of the insurance company, the relation of the insurance company to you or a related company, the amount of commission you received for each force-placed insurance event, and an itemized statement of any other related expenses and any claims paid out thereto. 12. Complete and itemized statement of any and all fees incurred to modify, extend, or amend the loan or to defer any payment or payments due under the terms of the loan, from the date of the note origination to the date of your response to this letter. 13. Complete, itemized statement of the current amount needed to pay-off the alleged loan in full. 14. Verification of any notification provided to me of a change in servicer. Now according to Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ) Navy Federal Had 30 days to respond to my request for the information requested above and as of today XXXX XXXX 2017 I h ave n't gotten any response from them pertaining to my QWR I also Sent the information to there legal team of XXXX XXXX XXXX a nd still have n't received any information.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response