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 121
2017-03-30
San Luis Obispo, CA
Account opening, closing, or management
Bank account or service: Savings account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2017-03-29
Pinellas Park, FL
APR or interest rate
Credit card:
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-28
Irvine, CA
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-28
Bowie, MD
Loan modification,collection,foreclosure
Mortgage: Conventional adjustable mortgage (ARM)
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-28
San Antonio, TX
Account opening, closing, or management
Bank account or service: Savings account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-28
Buckeye, AZ
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
2017-03-27
Central Falls, RI
Payoff process
Credit card:
Complaint: One XX/XX/2017 Navy Federal Credit Union issued and mailed me a letter pertaining to debt settlement. Per their agreement, I would get 40 % off a {$2500.00} debt I had with them meaning I would only have to pay approximately {$1500.00} to settle the account. On XX/XX/2017 I filed my taxes and had the money deposited into an old checking account with NFCU because it was closed and I did n't know. As a result, NFCU deposited the money into my savings account. They withdrew the full {$2500.00} and I was not refunded the 40 % off as described in their letter. When I called XXXX, an XXXX employee, I was lied to. XXXX stated I paid the debt back in XX/XX/XXXX which is before the XX/XX/XXXX settlement letter. I told XXXX it was impossible for me to pay in XX/XX/XXXX because I filed my taxes, the money used to pay off the account, on XX/XX/XXXX. Explained to XXXX that they basically withdrew the money on the same day that the letter was sent. XXXX proceed to lie to me, yet again, about the agreement. XXXX lied and said that I was supposed to call them to agree to the settlement. I called XXXX out on her lie and let her know that the letter said I did not have to contact them to agree to the settlement. I simply had to send in a payment and I was supposed to contact NFCU if I was NOT able to adhere to the terms. XXXX is refusing to give me my money back that I rightfully deserve.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2017-03-25
WA
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: i went on a 7 month deployment XX/XX/2016 my car was left in the care of someone while my wife left the state they left it in a parking garage and someone stole the wheels from the car. i reported the car stolen in XX/XX/XXXX or XX/XX/XXXX because it was not parked where it was said it was parked. they found the car in XX/XX/XXXX it was stored in the insurance lot from XX/XX/XXXX until XX/XX/XXXX when it was placed in the lot all that was said was wrong was the wheels had been stolen. my wife had contacted XXXX and they stated it was just the wheels we paid {$400.00} dollars to get the car towed to a collision center. while at the collision center they told us that the car was totaled they would not work on the car due to the interior was ruined with mold all over the interior including all electronics. we tried to get XXXX to send another adjuster to look at the car and they refused to send someone out to look at the car. XXXX only gave us money for the wheels and closed the claim. the car was sitting in the collision center for 3 months before everything was said and done with the insurance claim with a storage fee of {$95.00} a day. i had no option but to have navy federal reposes the car because i could not afford to repair the car myself and get it out of storage. the car has since been repossessed and sold. i had to get another car loan through a car agency. and tried to refinance the car i no longer had to lower the payments so i did n't have to make 2 car payments of {$400.00} a piece for a car that i no longer have. i was denied the refinance of the vehicle.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-24
Temperanceville, VA
Making/receiving payments, sending money
Bank account or service: Other bank product/service
Complaint: Naval Federal Credit union fail to pay bill as though their bill pay service as agreed resorting in my credit going bad they told me they was going to depute the reporting to each reporting company and did not also was to send me a copy of what they did and have not done so this was done to hurt my credit and then refused to help resolve the issue they made and lied about it which is why they did it intentionally They resent me letters to send to the bill of company 's they did n't pay instead they need to send them to company 's them self instead of sending them to me They need to fit this mess, the y told me they had sent a letter to the report company 's and did not, the left my account as if payments were being made instead my bills became slate and late fees was charged they claim it was due to fraud activity in my account but some the bills was paid and some was not if was do to fraud activity why was some bill was paid and some was not, the money has left my account so where did it go I have asked the question before to date no answer. They lied about what happen and did nothing to fix it and lied about the cause, I want to know where my money went. And they correct my credit I get approve for nothing the refer to the late payments caused by Navy Federal Credit Union.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-23
Port Hadlock, WA
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-23
Pioneer, TN
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
2017-03-23
Bel Alton, MD
Taking/threatening an illegal action
Debt collection: Other (i.e. phone, health club, etc.)
Threatened to sue on too old debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-23
Asharoken, NY
Account opening, closing, or management
Bank account or service: Checking account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-23
Alexandria, VA
Application, originator, mortgage broker
Mortgage: Home equity loan or line of credit
Complaint: My husband and I applied for an equity loan with Navy Federal. We were prepared but had to wait for an appraisal on our home. We applied for XXXX. Based on prior homes and XXXX XXXX taxes we are paying taxes access at XXXX the appraiser came out and said our house was only worth XXXX. He accessed our home accounding to XXXX bedroom homes in our community. He knew we have a XXXX bedroom. He even took pictures of all the rooms. We filed a n app ; eal with Navy Federal. They were surposed to make a decision in 5 days. We have not heard from them. We were assigned a loan officer and she wo n't even return our calls. I want them to send someone who will do the job right olr refund the money charged for the Assessment and want to be fair.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2017-03-23
Main Office, VA
Deposits and withdrawals
Bank account or service: Savings account
Complaint: On XXXX XXXX, 2017 I went into a Navy Federal branch on XXXX XXXX in XXXX, VA. I requested a cashier 's check for my landlord in the amount of {$730.00}. The cashier who did my transaction spelled the name wrong on the check and he then proceeded to cash another check from my checking account with the right name. He voided a check and gave me the other one in my hand. I went home to take it to my landlord only to find he voided the correct check and still ended up giving me the bad one. I called Navy Federal on the phone and asked them what to do. They said since the check might be voided to just go back to the branch and get another one. I went back there on XXXX XXXX, 2017. I explained what happened to another cashier as the first one was n't working that day. She then had her supervisor issue a credit to my account so they could give me a check with the proper spelling on it. I was able to give that check to my landlord. Then on XXXX XXXX, 2017 I saw there was a credit placed on my account for {$730.00}. I went into the branch on XXXX XXXX, 2017 and asked a teller in that same branch ( Teller ID : XXXX ) if the credit was correct because I had an issue with my account the previous month and I know that there were funds taken out initially that it did n't show were out back. She assured me that it was because they were correcting the error on the account. I also called into Navy Federal member services rep and had a representative investigate further just to be sure and they also confirmed the same thing. Now on XXXX XXXX, 2017 I access my account to find they 've debited my account for {$730.00}. When I called in and asked about the debit, the member services rep said she reached out to their cash applications team and she specifically said they made a mistake in crediting my account for the funds because they do n't show that they ever removed the funds from my account surfing the first transaction. I asked her how is it my fault that the bank made a mistake and now I have to pay for it. I was essentially told that even though they made a mistake, I still have to pay for their mistake and that they are n't going to own up to it. This is unfair and unjust treatment from a banking institution that is just expecting a consumer to pay them money based on the fact that they made a mistake. Even when the customer calls and goes up in person to ask about the validity of the credit and is told that it is valid.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief
2017-03-23
Main Office, VA
Application, originator, mortgage broker
Mortgage: Home equity loan or line of credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-22
Tucson, AZ
Disclosure verification of debt
Debt collection: Credit card
Right to dispute notice not received
Complaint: On XX/XX/2017 our tax refund was deposited in to my husbands account in the amount of XXXX of which XXXX was then taken by navy federal and applied to an account they state is in default. We were told many times they could do this without notification, when we asked to speak about this and get our money back they have denied supervisors and managers and we were transferred or hung up on. They sent us a letter dated XX/XX/XXXX which we received on the XX/XX/XXXX or XX/XX/XXXX which was 1-2 days before they offset our account allowing us to settle but they did not give us time to call in to settle now we are trying to work with them and they states that they are denying to speak with its. There was no letter of default or no notification of a court hearing so we can contest the judgement. However they states that they can take any amount deposited into our account without notice and without obtaining judgement stating it is their right to do so. We have spoken with the credit card department and it is showing that are card is charged off not in default. We have not had any chance to settle with navy federal or go to court to vacat the judgement and now we are not able to pay our rent.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2017-03-22
Cheverly, MD
Deposits and withdrawals
Bank account or service: Checking account
Complaint: My husband lost his bank card and didnt know it. Navy Federal sent my him a text in regards to a {$8.00} purchase and that was it. Once we were able to check our account there had been XXXX transactions conducted with his card and a pin number over the course of 3 days. This an account that my husband and I solely have for the purpose of us saving money. This is the only joint account we have and do n't use it on a daily basis at all. The XXXX transactions consisted of XXXX checks being written to my husband and deposited into our account. Of course it later came back that the checks were not legit. So at this time Navy Federal is saying that my husband and I are responsible for the estimated {$2000.00} overdrafts in our checking and savings account. Due to the fact that the transactions were done by a pin number they are basically saying that they have done their investigation and we are liable. The fact that checks were not signed by my husband, location of the transactions and the irregular amount of transactions conducted in such a short time frame was not taking under consideration. So almost every Navy Federal calls myself or my husband seeking payment for these fraudulent actives that has occurred to our bank account. I honestly believe that it maybe a Navy Federal employee who did this due to the fact that fake Navy Federal checks were used and that they had some way of getting my husbands pin number or even able to manipulate the system in to believe its my husbands pin. My husband did not write his pin number down or give it to anybody. He uses the same pin number for all of his accounts so there is no need to write it down which Navy Federal is assuming happened or that he gave it to someone. I his wife is the only other person who knows this pin number. So needless to say DO NOT TRUST NAVY FEDERAL WITH YOUR MONEY!!!! They have done absolutely nothing to help me resolve this issue but give me the run around and play games. I get new and different answers every time I call and they refuse to let me speak to a supervisor, investigator, or security personnel to help me understand how they came up with the conclusion in which they did.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-22
DC
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
2017-03-22
WA
Account opening, closing, or management
Bank account or service: Other bank product/service
Complaint: I have been having a lot of problems with XXXX, Web Bill Pay, third party of Navy Federal Credit Union. Subsequently, I have been making my payments using bill pay in order to make payments thru other banks, credit unions, loans, and insurance payment. Usually, I contact XXXX, to check whether payments have been received, and was informed that payments were received on the date I scheduled for payments, and it will clear the same day. Unfortunately, Web Bill Pay will wait 3 days to clear my check, along with other payments. In the meantime, my other payments are also waiting to be cleared and deducted from my checking accounts. This transaction and clear of checks caused a charged fee of {$29.00}. I have had to contact Navy Federal Credit Union customer service representative to inquire about the charged fees. Then, I had to be transferred to Web Bill Pay regarding payments also. On several occasions, Web Bill Pay customer service representatives were not too helpful and unprofessional and outright rude. In fact, one of the Web Bill Pay supervisors ', yelled at me over the phone, and I told her that she was unprofessional, and I did n't appreciate it. That, I am a military veteran, and I do not like to be treated like that. She ask me for my password, which I should n't have provided to her due my security/privacy. Apparently, I never provided Navy Federal Credit Union customer representative my password, but code word. The Web Bill Pay supervisor then asked to speak to my husband who is the primary in the account. In the past, it was never brought to my attention about inquiring on bill pay problems because I initiated and created the bill pay accounts in order to pay all my bills. He was getting annoyed with the Web Bill Pay supervisor because she was asking him all kinds of questions about his checking account and routing account numbers. He then in turned ask her whether she also know what her checking account number was. After the phone conversation, my husband, XXXX told the Web Bill Pay supervisor to talk to me, but she hung up. Then, I immediately contacted Navy Federal Credit Union, and ask to speak to the supervisor regarding the unprofessional supervisor. I informed her that the Web Bill Pay Supervisor was unprofessional, raised her tone of voice at me, and no respect. In addition, I told her that I was very dissatisfied with Web Bill Pay supervisor services, and that Navy Federal Credit Union should hire another company. The Navy Federal Credit Union supervisor apologies for the dissatisfied services with Web Bill Pay. In addition, I told her that the Navy Federal Credit Union should hire another third party instead of XXXX. In the past, I had ask the Navy Federal Credit Union tellers about Web Bill Pay, and they informed me about the same problems they were having also. One of the tellers told me that the Web Bill Pay customer representatives were not too helpful and would also delay in clearing checks. I have had good satisfaction with the Navy Federal Credit Union call center customer service representative and also were given the reversed fee. Web Bill Pay, third party to Navy Federal Credit Union suspended my services with them which I do not intent to use due to unprofessional and very dissatisfied service which I should rate a 1 ; delay in clearing checks to not only me but others as well. I also was informed that other customers were also having problems with the XXXX, Web Bill Pay.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-21
Orange Park, FL
Deposits and withdrawals
Bank account or service: Savings account
Company Response: Closed with monetary relief
2017-03-21
Jacksonville, FL
Application, originator, mortgage broker
Mortgage: FHA mortgage
Complaint: 1. PROCESSOR FAILED TO COMMUNICATE EFFECTIVELY AND IN A TIMELY FASHION WITH THE MEMBER 2. PROCESSOR FAILED TO OFFER BETTER OPTIONS/PRODUCTS FOR THE MEMBERS NEEDS AND FINANCIAL SITUATION 3. PROCESSOR FAILED TO PROCESS MEMBERS REFINANCE IN A TIMELY FASHION - ALLOWED RATE GUARANTEE TO EXPIRE 4. PROCESSOR FAILED TO PROVIDE CUSTOMER SERVICE AND REQUIRED MEMBER TO REDO NUMEROUS ITEMS BECAUSE FILE NOT HANDLED PROPERLY 5. PROCESSOR FAILED TO CLOSE REFINANCE ( STARTED XXXX 2016 AS CONVENTIONAL REFI - CHANGED IN XXXX 2016 TO FHA REFI AFTER PROBLEMS/COMPLAINANTS - AFTER COMPLAINTS RECEIVED AN EXTENTION OF THE LOCKED IN RATE AND WAS TOLD THAT MINIMAL MONIES WOULD BE OWED FOR CLOSING DUE TO PREMIUM PRICEING ( CONFIRMED IN XXXX 2016 ) - TO DATE STILL NO CLOSING 6. PROCESSOR FAILED TO USE APPROPRIATE DEMEANOR WHILE CONVERSING WITH MEMBER AND PORTRAYED A NEGATIVE ATTITUDE AND FORCEFUL/THREATENING PERSONA THAT WAS NOT HELPFUL AND DID NOT PROVIDE OPTIONS, BUT RATHER HAD A TAKE IT OR LEAVE IT ATTITUDE 7. PROCESSOR HAS CAUSED MEMBER FINANCIAL HARDSHIP DUE TO THE DELAY IN CLOSING - ( REFI WILL SAVE MEMBER SUBSTANTIAL MONEY ) WE ARE EXTREMELY FRUSTRATED AND HAVE COMPLAINED TO THE PROCESSOR, AND AT OUR LOCAL BRANCH WHERE WE ORIGINALLY FINANCED OUR HOME, REGARDING OUR UNHAPPINESS WITH THIS PROCESS AND THE BANKS FAILURE TO CLOSE THE REFINANCE OF OUR HOME THE RATE SHOULD BE LOCKED IN AT 3.75 % ( FHA ) - WITH PREMIUM PRICING THAT WOULD PAY XXXX POINTS ( MOST IF NOT ALL OF THE CLOSING COSTS ) AS PROMISED - ON A {$230000.00} LOAN - PAYMENTS WOULD BE APPROXIMATELY {$1600.00} UNTIL NOW WE DID NOT KNOW AN APROPRIATE VENUE TO FILE OUR COMPLAINT - A FRIEND TOLD US ABOUT THE CFPB AND THAT IS WHY WE ARE JUST KNOW FILING THIS ISSUE.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-03-21
Garland, TX
Account opening, closing, or management
Bank account or service: Checking account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-21
VA
Loan modification,collection,foreclosure
Mortgage: Home equity loan or line of credit
Complaint: I took out 2nd mortgage on home since the home was a foreclosed home for repairs for property the house was used as collateral. The foreclosure took place XX/XX/XXXX, I attempted rent and sell property but the property was foreclosed with first lien holder XXXX. However, prior to foreclosure both mortgage companies were communicating and the last I heard Navy Federal Credit union was offer a settlement. The house was foreclosed and I did n't hear. Over 5 years had past and I attempted apply for a mortgage loan in XX/XX/XXXX. I was told in XX/XX/XXXX Navy federal Credit union reported a current Past due balance of a loan of {$28000.00} on credit report. I called a few times and left voicemail messages asking for a call back. I finally went in-person to corporate office on XX/XX/XXXX XXXX, VA. I ask to speak with a manager in the mortgage Dept. I was told I could n't speak without a appointment. I refused to leave and finally a representative got someone in mortgage on the phone they stated they were in charge credit reporting I told them the property was foreclosed and they were reporting a current Past due balance for mortgage that I no longer have property. They stated, no way they were reporting that information. I left my foreclosed documents as proof the property was foreclosed. I was told to fax over credit report that shows the inaccurate reporting information. I asked if a manager could call me once complete. 2 weeks passed and I did n't receive a phone call, I called finally got a hold XXXX XXXX in charge of collections he ask if I would like pay the account I informed him the property was foreclosed in XX/XX/XXXX what happen I was told they did n't accept the offer. Hey was very rude, I told him I was a XXXX XXXX Veteran and to check all Credit I held in the past. I have paid off all accounts I credit cards, car loans, business loans with Navy federal and this account was foreclosed property where property was used as collateral I was told that does n't matter. On XX/XX/XXXX I heard from representative that stated she was XXXX XXXX a manager and she was responding to a complaint from the Better Business Bureau and she stated the behavior of the Collection account manager will be address and I will receive a letter in few days and the situation will be take care of she fully apologize again. After not receiving any correspondence or calls I reached out her today XX/XX/XXXX and finally spoke with her today and she seem sort of confused about sending a letter and what the letter was to address. She stated, she would have transfer me back the collection manager and stated they did nothing wrong. I am confused and meantime my credit is suffering for something that happened in my past. Does n't the credit history with Navy federal make a difference? Does n't being a Navy Federal Veteran make difference?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-03-20
Cheverly, MD
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: I had a short sale in XX/XX/2016 and had issues with XXXX XXXX and the Navy Federal Credit Union.
XXXX XXXX ( 1st Lien ) would not modify my loan because they wanted me to physically live in it, even with my family there. I was XXXX hours away from my home at the time and I could n't afford paying for XXXX residencies. Initially they approved a repayment plan which added {$800.00} to the mortgage amount I already could n't afford and refused to extend payment period. They would not review my application when I had a medical condition/ impending job loss. Eventually they agreed to a short sale, but had me sign paperwork they get all sales proceeds even if it exceeded what they were owed. There was over $ 25K extra left at closing, they would not cover my out of pocket sales expenses and would not payoff a subordinate lender NFCU. I was later informed they could have allowed a traditional sale.
Service members are not always treated fairly by lender. They hide under the law that says you have to physically live in your home to get most assistance. We are often stationed away from our homes and ca n't be there and our duty stations at the same time. Also, the SCRA only provides for those who had loans/debts prior to XXXX. Most service members join from high school/colleges and often do n't own cars let alone homes -- 6 % is no longer a good rate either.
Navy Federal Credit Union ( NFCU ), the nightmare continues. XXXX XXXX denied them payment because they did not place a lien on the property. Almost one year after closing, they still report this to the credit bureau as delinquent mortgage ( without lien ) and they show it as both foreclosure and delinquent for over 280 days, all at the same time. NFCU gave me the hardest time approving my short sale request, from having to notarize 3rd party agreement which NFCU would not even notarize in the state of Maryland, to their short sale Rep calling me a liar and would not accept the amount on my expense sheet until it met their accepted limit. The Rep questioned me on everything, like " why do I have medical bills outside of the military ; how I could justify dropping my child off at nearby day cares without receipts ; and alluding I was lying about how many doctors ' visits I had at XXXX XXXX. On a phone conversation, she said her husband was in the military and she knew when service members where not being forthright. I 've attached some emails to show my level of frustration.
They also collected payments from any of my account that had cash without my consent and caused me more hardship as taking these unauthorized payments left me with no funds to pay other bills. When I called them out, they said I signed a paperwork allowing them to go into any of my accounts for payments, I DID NOT. I asked them for a copy of the paperwork, they could not provide it. They later said it was a notice they sent out. They have a big access-restricting notice on my account stating that my loan is delinquent and every time I go to the bank, the cashiers have to get managers to override this embarrassing notice before I can get service.
NFCU wants me to take on the no-lien mortgage as a personal loan to which I refused because : they did not do their due diligence ; I 'm XXXX and do n't have the resource to carry a long term loan, which is why I 'm liquidating my assets ; this is double jeopardy considering I took a hit on my credit for the short sale and still have to bear delinquency on the same property that was sold since XX/XX/2016.
NFCU does this to service members. I know a XXXX who still carries about $ 40K debt they forced him to take as personal loan on a property he sold about 10 years ago. They threaten us and tell us they have family in service. This is not fair to us. With the name Navy Federal, you think they have your back, my experience shows they don '
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation