NAVY FEDERAL CREDIT UNION

2017-02-15

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

2017-02-15

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

2017-02-15

Seligman, AZ

Application, originator, mortgage broker

Mortgage: VA mortgage

Complaint: State of Arizona sold a house through Navy Federal Credit Union and Veterans Administration ( NFCU/VA ) in XX/XX/XXXX. State of Arizona failed to disclose XXXX in the running water until 2 days after closing. VA " guarantee '' was paid {$7400.00} of my money by NFCU for mortgage insurance " funding fee. '' Witch should have been waived because of my XXXX. Law suit was filed in the Superior Court of Arizona on XX/XX/XXXX case number XXXX XXXX & XXXX. They broke the LAW, and then run to alter their policy to try to cover for their lawlessness. NFCU whom I made this deal with, refuses to work towards a resolution, projecting their responsibility over to the State of Arizona and VA. VA is no help. NONE. The {$7400.00} given over to them was for their own enrichment, and to disadvantage me. NOW, NFCU & State of Arizona are lying again regarding an unlawful " auction '' which they say took place on XX/XX/XXXX, using " Commercial Lease '' property law, to bypass foreclosure law, and attempt to enforce a 5 day eviction notice. THE LAW IS NOT DEAD! ARE THE AMERICAN PEOPLE? If " We The People '' DO NOT STAND AGAINST SUCH TYRANNY, WE SHALL BE OVERCOME!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-02-15

Columbia, SC

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: My husband purchased a vehicle from Navy Federal Credit Union at the middle to early end of XXXX 2016. When we went into the XXXX branch to inquire about the loan process we were very clear that my name was not to be put on the loan. She said that would not be a problem but they attach all loans to checking or savings accounts and since our accounts were joint my information would need to be updated as well in case he didnt qualify on his own. not a problem. We went to the dealership and my husband bought the car. he qualified for it on his own so I did not need to be added to the loan. My husband crashed and totaled his car on XXXX XXXX, XXXX he was arrested at the time of the crash. I contacted our insurance company who contacted Navy Federal in regard to the car being totaled and taking care of it through the insurance. My insurance company called me back stating that Navy Federal would not allow XXXX to handle the totaled car on my behalf because my name is not on the loan, title, or on the signed promissary note for the loan. i then called Navy Federal myself and was told the same thing, my husband would have to do. being that he was in jail he did not. On XXXX XXXX, 2016 My husband passed away. I contacted Navy Federal early XXXX to find out what I needed to do and was again informed that I was not on the loan, title, or signed the pomissary note so the only way they would deal with the insurance company is if I got an executor of estate. My lawyer ( assigned to me by the military to handle my hasbands affairs ) told me not to pay on this loan because my name was not on it and he sent them out letters in regard to this. Navy Federal contacted me periodically saying they would not allow geico to make payment on the car unless I agreed to sign a promissary note taking responsibility for the car. I ws advised not to do this and to continue with the executor of estate. In XXXX 2016 Navy Federal told me that My name has been added to my husbands car loan, still not on the title, but my husband no longer has a promissary note with them and that the check both y husband and i signed which was used when we purchased the car was now going to be the promissary note which puts me on the loan because I signed it. The only reason I signed the check was because the XXXX branch manager told me they only link loans to a checking account and since it was in both my husband and my name I had to sign it as well but as soon as my husband signed the promissary note with them my name would have nothing to do with the loan. I was advised by the lawyer to withdraw and close my accounts with Navy Federal which I did in XXXX. They closed the accounts but somehow reopened my savings, somehow funds that never should have been put in the savings, because it was closed, appeared and Navy Federal has been taking the funds from my account and applying them to my husbands loan. Also in late XXXX befroe the the accounts were closed, I stopped automatic payments on his car and mine, but in XXXX they automtically took funds for his car from my account. Even if we were to pretend that this signed check makes me liable for my husbands car, the back of the check clearly states that by signing we agree to enroll in XXXX, and their protection plan where in case of loss of life the loan will be forgiven. They are not willing to honor those XXXX parts of this signed check merely just me signing it. XXXX weeks ago I was speaking with Navy Federal and was informed that when I have been making payments on my loan they have been applyig a portion to my husbands loan because it has not been paid on. That is no longer visable online though. today, I called them becasue my car is showing as delinquent, and was informed that they were reopening my savings account, I didnt not give them permission to do this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2017-02-14

Castle Hills, TX

Other

Credit card:

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

Disputed: Yes Timely Response

2017-02-14

Charlotte, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: There is a credit card and loan that is reported on my credit report as closed and charged off, After making deposits into my account with Navy federal they have illegally withdrew {$2300.00} from my checking and savings account, Without prior knowledge! I am a single mother and XXXX XXXX student. I 'm not receiving much income and now will be put out of my home due to this negligence. No one informed me of these illegal practices!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-13

N Palm Beach, FL

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

2017-02-13

Chandler, 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

Disputed: No Timely Response

2017-02-13

Sunnyvale, CA

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

2017-02-12

Bremen, GA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I have XXXX credit cards, a personal checking account and a business account with Navy Federal. My credit card had fallen a little behind due to loss of employment. I started working in XXXX XXXX and had spoken to representatives serval time regarding my credit card accounts. My rent was due, I had recently received an eviction letter from my rental company. My check was direct deposited into my Navy Federal checking account. However when I went online to check to make sure that I had enough money to cover my rent, I noticed that there was {$520.00} missing out of my account. I called Navy Federal to find out what my money was gone, I was told that the money was transferred to my credit card. I begged them to return the money, but I was told the money could not be returned. I advised them that I would be evicted, and my child would not have a place to live. I was denied my money. Then XXXX XXXX, XXXX, again I had my rent money in the account and Navy Federal took it upon themselves to take money from me again and placed it to the credit card again. This should not be allowed to happen. No financial institution should have the authority to take someones money at will.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-11

Nyc, NY

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: Yes Timely Response

2017-02-10

VA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX/XXXX/XXXX, I purchased a room rental from XXXX for a college trip with my parents, when I returned from the trip I noticed that the hotel had charged me for the room additionally, I spoke with the lady manager at the hotel and she stated that she would correct the mistake, which did not happen, I disputed the charge with my credit union, they gave me a provisional credit, fast forward to XXXX, XXXX XXXX, my credit union took the Provisional credit back from my account, I supplied the credit union with the documentation of my receipt from XXXX, and they still took the money from my account. I attempted several calls to the rep that is investigating the claim in addition to her supervisor and no one will return my calls. The charge is {$150.00} I also have XXXX additional fraud charges on my debit card, and the credit union will not even investigate these charges at all. {$21.00} from XXXX and {$30.00} from XXXX XXXX, whom I do not have service with.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2017-02-10

Duluth, GA

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-10

Mount Airy, MD

Fraud or scam

Money transfers: International money transfer

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

Disputed: No Timely Response

2017-02-10

Northside, NC

Other

Credit card:

Complaint: In a previous complaint, I requested that Navy Federal CU take an account off of my credit report. Over the last several years, I have notified them on multiple occasions to take me off the account as an authorized user, but somehow it never seems to be processed. So with the CFPB as witness to my request, please notify Navy FCU that I no longer want to be an authorized user on this account, and remove the account from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-10

Brentwood, TN

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Navy Federal Credit Union made several errors on my checking overdraft, the largest being in excess of THIRTY FIVE THOUSAND PERCENT. When brought to their attention they lazily dismissed it as " interest ''. 3500 % + Interest? REALLY??? I do n't think so. I asked them about it several times ; and they consistently gaffed me off. This is the type of service that I routinely get from their online support desk ; but this time we are discussing a CRITICAL SOFTWARE ERROR that is affecting at least XXXX active account. This is serious and is an unacceptable computer glitch that warrants a thorough investigation. They closed the ticket siting " interest '' again. I then opened another ticket requesting a supervisor call me ; they refused. This problem is XXXX that does not need to be ignored -- it could be affecting other people as well.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-02-09

Kissimmee, FL

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: Yes Timely Response

2017-02-09

San Diego, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: In the month of XXXX I had some checks printed out from my bank at Navy Federal Credit Union at the XXXX XXXX XXXX, XXXX, CA XXXX location. Since the checks were given out I issued out approximately XXXX of the sheet of checks given to me. Upon writing out my fourth one I noticed that the check had my full social printed on it. I contacted them through XXXX message and had a representative tell me someone would contact me regarding the issue. I spoke to a gentleman by the name of XXXX ( incident:XXXX ) and he apologized for what happened and kind of suggested what I should do. He then offered to send me a box of complimentary checks. I also went to the branch personally and spoke to the person in charge at the time because XXXX had gone home for the day on XX/XX/2017. Once again they offered their apologies and suggested I should do all these things and pay for all this monitoring. ( The lady I did speak to did offer to reimburse me for any credit monitoring I elected to do ) My concern is with the fact that my social was printed out. When speaking to them I felt that I was blamed for the situation because the checks were in " my possession '' when those checks were written out but admitted guilt that it was a teller error. This is a mistake that should have never happened. I was explained as to why it happened, and in my opinion it should be 100 % preventable. There should n't even be an option for full socials to be printed out on a check. Even if it is an " old system ''. We live in a time where full social are not even really required anywhere just the last XXXX. For the reason alone that it is sensitive information. However, I was made to feel that it was n't really a big deal and that all I had to do was notify the credit bureaus of the situation and get credit monitoring. They assured me that it 's nothing to worry about that no one would really see those checks besides the person I gave them too. However, I find it hard to believe. One of the checks I wrote ended up being an NSF. He got a mail in the letter with a picture of the check and my full social appeared on it. So everyone who saw that letter had the opportunity to have seen my social. I would like for this to not happen again. And I would like a real resolution for this incident. I have a voided check still in my possession as proof as well of a copy of that letter that the person I gave the NSF check provided me with.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2017-02-08

Chapel Lakes, FL

Credit decision / Underwriting

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-08

Nokesville, 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

2017-02-08

Atlantic Beach, FL

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

2017-02-07

Decatur, GA

Improper use of my credit report

Credit reporting:

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

Disputed: No Timely Response

2017-02-07

MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: My father told his XXXX children that he had made them equal beneficiaries of his bank account. As he become more frail, he made me a joint owner without right of survivorship. After he passed away, the bank told me that he had not made his children beneficiaries. My understanding is that if the funds pass into my father 's estate, the attorney handling the estate will include that amount in calculating his fee. I have a joint account with my wife at the same bank that was linked electronically to my father 's account. I transferred most of the money into that joint account and informed the bank that I would distribute it to my brother and sisters as my father intended. Without notice to me, the bank withdrew the money from my joint account with my wife and unlinked my father 's account from mine. I understand that laws may vary from state to state but, after reading through the membership agreement, I believe the bank has no authority to do what they did. They have refused to answer my questions concerning this. I have attached the membership disclosure. It states that a joint owner can not be removed without his permission, which they essentially violated. It says that for a joint owner without rights of survivorship that the decedent 's share passes to his estate ; it does not give the bank the right to determine what portion should pass to the decedent 's estate. It does not say that my joint ownership ends. There is no statutory lien against the decedent 's account. They have violated the membership agreement and have arbitrarily deprived me of my rights as joint owner.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-02-06

San Diego, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2017-02-06

Sioux Falls, SD

Other

Credit card:

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

Disputed: No Timely Response