NAVY FEDERAL CREDIT UNION

2017-04-27

Clarkesville, GA

Incorrect information on your report

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

Account status incorrect
Complaint: My payment for Navy Federal CU was due XXXX XXXX . I had other payments to make besides Navy Federal si nce this account is closed. So I paid {$20.00} on the XXXX and XXXX XXXX XXXX for my XXXX payment. Then I followed up and sent two more payments on the XXXX and the XXXX XXXX XXXX equal to {$60.00} ( {$10.00} & {$50.00} ) They also applied a {$20.00} la te fee which is fine. Then on the XXXX they reported to the credit bureaus that I was 30 days late for XXXX which is not true. I know that the only way you can be 30 days delinquent on an account is if there was none payment in which it was. They reported the balance which would cover XXXX XXXX bill to {$74.00} owed and XXXX XXXX just passed so how can you add 2 di fferent payments on a credit report that is not 30 days passed due. I calle d Navy Federal and the reps that I spoke to could.not give me an answer and eventually agreed with m e. Navy Federal c an not do as they please.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-27

Oceanside, CA

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

2017-04-26

Fort Washington, MD

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-26

OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XXXX XXXX obtained a judgement for a credit card debt and placed a lien on my house. The debt and judgement was included in my Chapter XXXX bankruptcy that was discharged but the lender refuses to remove the lien from my house until the debt is paid.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-26

Santa Ysabel, CA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: Navy Federal Credit Union continues to report an account for me that is well beyond reporting in the 7 year statute of limitations. I have tried to do multiple disputes through the credit bureaus that are ignored and there has been no validation of the debt proving th at Navy Fe d is right in their reporting. The last activity on this account was approximately in XXXX o f 2008.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-26

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

2017-04-26

Smoke Rise, GA

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-26

Atl, 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

2017-04-26

San Diego, CA

Other features, terms, or problems

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

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

Timely Response

2017-04-26

Silver Spring, MD

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-26

Oxford, MI

Managing an account

Checking or savings account: Savings account

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

Timely Response

2017-04-26

Bryan, TX

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

2017-04-25

Lakewood, WA

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: navy fe deral allowed my account to be compromised TWICE!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-25

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 monetary relief

Timely Response

2017-04-25

Goose Creek, SC

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

Timely Response

2017-04-25

Charlotte, NC

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

2017-04-25

Grosse Ile, MI

Incorrect information on your report

Vehicle loan or lease: Loan

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

Timely Response

2017-04-25

Bronx, NY

Communication tactics

Debt collection: Other debt

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

Timely Response

2017-04-21

Charlotte, NC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Navy Federal has decided to practice extremely unfair mobile deposit practices. Their terms and condition state that you have to receive a approval email before XXXX otherwise it will not get processed that day. Although their customer service team clearly tells you that you can make a deposit at XXXX and it will be processed that day. Their is an approximate. 2-6 minute delay in their approval and you receiving the email. And their customer service also informed me that the approval time can take anywhere 20 minutes to 2 hours depending on how busy the bank is. By the impression your customer service gives it is clear that there is some give time in the processing time if you can submit a deposit at the very last second. This is not true. If you do not receive your approve before XXXX you will have to wait 24-48 business hours to get your check approved. No matter what time you submitted your deposit. All this is of course based of the bank time table and their app clock which you as a customer have no way of verify is correct nor do you get any sort of warning prior to depositing that it is close to their cut off time since this is a national bank that runs of EST but if you are n't in EST obviously XXXX EST would be a different time for you. So when I called and was informed their would be a two day hold on my check till tuesday I was upset and all I was told was the term and conditions were clear. Which they clearly are not since their own customer service team either 1 ) does not understand them or 2 ) is intentionally giving customers wrong information so that they will use their overdraft protection and the bank can charge a fee. Either way this huge disconnect in process time is an issue that is not clearly explained to customers and requires a lot of explanation. I have received multiple answers on the timeline of my claim. My check was approved sometime between XXXX EST and XXXXXXXX XXXX EST. No clear answer to that. The app says XXXX approved. One representatives said XXXX another said XXXX but the email was not sent till XXXX. the timeline process is horrendous and seems to benefit Navy Federal how they please
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-21

Baton Rouge, LA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX XXXX , 2017, I ca lled Navy Federal Credit Union about my federal income tax refund being deposited in the wrong account. They told me that since it was the wrong account, the funds would be rejected and sent back. I called back on XXXX XXXX and XXXX and they said the same thing and would not further assist me. After a week of checking for the funds and not seeing them, I called Navy Federal Credit Union on XXXX XXXX , 2017. T hey told me that I had to call the IRS or XXXX XXXX XXXX XXXX to get my money. I called both and they told me Navy Federal Credit Union has to release the funds back to them and then they will be able to send me a paper check. I have been back and forward with Navy Federal Credit Union and XXXX XXXX XXXX XXXX to get our funds. Finally, on XXXX XXXX , XXXX , Navy Federal Credit Union was willing to tell me that I had to get XXXX & XXXX XXXX to send them an Indemnity letter to release the funds. On XXXX XXXX XXXX XXXX XXXX XXXX sent the letter at XXXX and at XXXX and it was denied, because the full amount was not available. I called Navy Federal Credit Union back on XXXX XXXX and XXXX to see what I can do to get the funds released. They said they need XXXX XXXX XXXX XXXX to send another letter when the full amount is available to be withdrawn. XXXX & XXXX XXXX is refusing to send another letter stating the same amount for The Federal Refund, which was denied. Now I do not know what to do, because Navy Federal Credit Union has proof that the money belongs to XXXX and XXXX XXXX . I also have our state refund being deposited to the same account i n 5 to 7 busi ness days, which will pose the same issue. Any assistance in this matter will be appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-20

Jacksonville, FL

Using a debit or ATM card

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-04-20

Fountain, CO

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2017-04-20

Oceanside, CA

Communication tactics

Debt collection: Auto

Threatened to take legal action
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-19

Grosse Ile, MI

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2017-04-18

Jacksonville, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response