NAVY FEDERAL CREDIT UNION

2017-03-20

Dulles, VA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-03-20

Chandler, AZ

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-19

Nanakuli, HI

Closing/Cancelling account

Credit card:

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

Disputed: No Timely Response

2017-03-17

Los Angeles, CA

Delinquent account

Credit card:

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

Disputed: No Timely Response

2017-03-17

Philadelphia, PA

Billing disputes

Credit card:

Complaint: I read the article from the CFPB about all the illegal activities that Navy FCU did to consumers. I wrote a letter certified mail to Navy explaining the issues i had with them and let them know about the exact same illegal activities they did to me. I received a letter from the Senior Vice President XXXX stating he personally reviewed my dispute and he determined that he had validated the account with all XXXX credit bureaus. But he failed to provide any proof of the alleged debt, no contract, no account statements. All he said was that i still owe them money. I sent him a second certified letter restricted and he personally signed for the letter. He has not responded to that letter at all. In the letter i pointed out that they had failed to verify the account pursuant to 15 USC 1681 s-2 FCRA as well as FACTA section 312.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-17

OK

Problems caused by my funds being low

Bank account or service: Other bank product/service

Complaint: I previously submitted a complaint on XX/XX/2017, case # XXXX against NFCU. The response is still pending. However I have been working with their Personal Finance Department, XXXX - XXXX. Now she has helped to put a few of our accounts on pymt plans, great. Problem is there are 2 accounts still outstanding that we continue to get collections calls from NFCU from daily reason being I am the secondary account holder on the accounts & my husband is the primary but he is XXXX military & currently XXXX. I have begged & pleaded with NFCU to just put these last 2 accounts on the pymt plan so we can move on with our lives.NFCU insists that they must speak with my husband, no matter how much I tell them I do n't know his schedule or specifically where he is. He has even emailed NFCU via NFCu account website begging them to please just talk to me & work with on a pymt plan on these last 2 accounts so we can get a solution & put an end to the constant collection phone calls. I myself have had some medical issues & was just sent home from the hospital today. All we want is a conclusion to our previous request in my 1st complaint dated XX/XX/2017, a lower payment plan for a period of time. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-16

Chesapeake, VA

Deposits and withdrawals

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

2017-03-16

Anaheim, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Last month my XXXX ordered google play for XXXX times. We did n't know his tablet will connect my paypal account with my husband 's debit card. After talking to XXXX from XXXX. They were able to refunded XXXX out of the XXXX orders a total of {$240.00} USD. However Navy Federal Credit Union refused to credit those refunded items after filing an unauthorized transaction form and charging {$29.00} for every single overdraw transactions since the account did not have enough money from the begining. Nfcu requested a letter from XXXX and paypal with the word FRAUD. google give us a letter of the issue. XXXX does n't because they were just in the middle of the mess. Our NFCU joint account was negative for more than XXXX. They suggested to closed account until clarified issue, but when i received a TAX REFUND in my personal account for more than XXXX they transfered that amount to the bad account without inform us. That tax $ was to pay bills and yes their credit card. However after several tries and the fax we sent NFCU Keep arguing they need to see the word FRAUD in the letters. Why XXXX understood the situation of my son with XXXX clicking without knowing and the bank wants to see the word XXXX? Why do the take our $ and transfered in to a now closed account and charged us XXXX overdraw fees for & lt ; XXXX times? When google refunded XXXX out of XXXX orders. Thanks!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: No Timely Response

2017-03-16

San Antonio, 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

Disputed: No Timely Response

2017-03-15

New Orleans, LA

Other

Credit card:

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

Disputed: No Timely Response

2017-03-15

Seligman, AZ

Application, originator, mortgage broker

Mortgage: VA mortgage

Complaint: In association with complaint number XXXX the following court documents are submitted to update the record.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-03-14

Woodland, GA

Billing disputes

Credit card:

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

Disputed: No Timely Response

2017-03-14

Denver, CO

Problems caused by my funds being low

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

2017-03-14

Houston, TX

Taking out 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

2017-03-14

Gaithersburg, MD

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-03-14

Conyers, GA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2017-03-14

Woodland, GA

Billing disputes

Credit card:

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

Disputed: No Timely Response

2017-03-14

Managing the loan or lease

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2017-03-14

Andalusia, PA

Deposits and withdrawals

Bank account or service: Savings account

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

Disputed: No Timely Response

2017-03-14

Deposits and withdrawals

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

2017-03-13

WA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Opened a checking/ savings account with Navy Federal Credit Union on XX/XX/2017. I have monthly credit monitoring and received an alert that Navy Federal Credit Union had pulled my credit report. I did not apply for credit card or a loan and did not give permission to Navy Fed to pull my credit. Called Navy Fed on XX/XX/2017 to ask why my credit was pulled. Customer service representative first said she was not sure why since there was not any credit or loan applications in my account. She put me on hold to further investigate, and when she returned, she told me that it was supposed to be read to me, it was on the disclosure agreement ( opened the account over the phone ), and Navy Federal was pulling credit reports to have the reports in their file if I apply for credit or loan in the future. No one informed that my credit was going to be pulled when I opened savings and checking account! I have closed my account with Navy Fed. Please investigate! Thank you!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-13

Chula Vista, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: My husband and I had separate checking and savings accounts with Navy Federal Credit Union. We also had one checking account together. My own separate checking account had fraudulent activity in the amount of over probably {$20000.00}. Navy Federal CU was great handling the fraud claim except for not receiving claim status details in the mail. They stated when asked that I could see any activity that was taken by them by simply looking at my online account. Customer service stated I could see the Provisional Credits by seeing the adjustments, etc. The fraudulent activity was verified to be true & correct. What happened was I was over paid in the amount of {$7900.00} they said because Visa verified or approved that is was valid claim. So all of a sudden on XX/XX/2015 my account showed a negative balance of that same dollar amount. I called them and they stated they send a regular letter by mail stating this would happen within the next two two weeks before the XX/XX/2015 I never received the piece of mail and stated that something that big and important be sent certified since it was going to have a huge bearing on my families lives. Anyway I said I understood the overpayment. Then to my surprise they confiscated all money that was both of my husbands and my account. They took ALL of his direct paycheck that was on an automatic deposit through the XXXX of the XXXX where my husband has worked for about 26 years. So they continue to take all of our money until the balance was paid in the amount of the {$7900.00}. I called them to say that I was sick and we only had one income coming in and it was my husbands. I told them how could they leave us without any money for food, groceries or anything. I told them numerous times that my husband and I were willing to work out a payment plan where they could deduct a certain agreed upon amount out of his paycheck until the debt was paid. I could not understand how that this was legal. It finally got to the point where my husband that to stop his direct deposits so that we could have money to pay our bills like the house payment, groceries, gas, utilities etc. They were so rude about this. I complained to a manager and they stated if there was something they could do that they would be in contact. They never did contact us. They also shut off my debit cards and closed our savings accounts without any warning. If this was legal what they did how come they handled this so poorly. I would n't this stress on any military family or anyone for that matter. Can you let me know if there practices where legal or not? We also incurred tons of overdraft fees because payments were denied.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-13

San Diego, CA

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 non-monetary relief

Disputed: No Timely Response

2017-03-12

Deposits and withdrawals

Bank account or service: Savings account

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

Disputed: No Timely Response

2017-03-10

New York, NY

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