NAVY FEDERAL CREDIT UNION

2017-01-26

Irvine, CA

Billing disputes

Credit card:

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

Disputed: Yes Timely Response

2017-01-26

Juniper Hills, CA

Deposits and withdrawals

Bank account or service: Savings account

Complaint: Navy Federal Credit Union used Right to Setoff to seize my federally protected VA benefit funds that was direct deposited to my share savings account. I had informed them, over the phone and via online message, that these funds were VA benefits, and they seize them anyway. The representative was not aware of the federal protection of VA Benefits against Right to Setoff and garnishments. Furthermore, I did not contract with NFCU that they could take my VA benefit to settle a debt.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2017-01-26

Westfield Ctr, OH

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I answered a solicitation to have my personnel vehicle wrapped in a particular logo earning $ XXXX/week for 12 weeks. The sender mailed a check to me for {$2900.00}. This was to give the first week 's payment ( {$500.00} ) and the rest was to use towards the installation process ( {$2400.00} ). I was to send {$1200.00} ( XXXX ) to ( XXXX ) different people, using XXXX to send the money. This was part of the scam, stating an installation team would show up at my residence to wrap my vehicle and then remove the wrap after the 12 week period. When I received the check, I used the Navy Federal Credit Union ( my bank ) " edeposit '' method to deposit the check into my checking account. On " good faith '' NFCU honored the check within 2 days. On the third day, NFCU found the check to be fraudulent and took {$2900.00} from my account. I have filed a police report about the solicitation scam and realize I have loss that money. If NFCU would have not on " good faith '' put those funds in my account, I would have never proceeded any further.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: No Timely Response

2017-01-26

Fort Worth, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have had XXXX different accounts with with Navy Federal. With each account they charge outrageous and excessive fees for their OOPS feature for checking account. They restricted access to the XXXX accounts that I have had that they closed without notice to me. Even when visiting a local branch I was denied access to statements and transaction history. The fees range anywhere from {$20.00} to {$60.00} at a time. After paying accounts in full and establishing new account, they still restricted access to many features that are included with the account. I have no problem paying the accounts with bringing them into good status but what I do not agree with is paying {$20.00} to {$60.00} on transactions they authorized. I find it deceptive and a way to take more money out of the consumers pocket. I ask that the CFPB look into this business practice. Also the threat of closing accounts or closing accounts entirely before the 30 day ( 60days in most instances ) without notice or allowing consumer to bring the account into positive standing is unlawful. My other concern is there unethical and discriminatory lending practices and discriminatory practice in how they approve members for their credit cards. Each denial stated that I would receive notice as to why was denied and how I could ask for reconsideration. I have yet to receive any notices from Navy Federal since I first applied in XX/XX/2016. I was told over the phone to wait a month and reapply and I would get approved. I waited a month and still got denied. Still did n't receive a denial notice in the mail. For the most part Navy Federal is not bad but some of their business practices are shady and take advantage of the individual consumer who has invested in shares in this institution. Some of their practices are very predatory and make it virtually impossible for consumers to bring account in red back to black
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-01-26

New York, 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 monetary relief

Disputed: No Timely Response

2017-01-25

Cheyenne, WY

Other

Credit card:

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

Disputed: No Timely Response

2017-01-25

Baton Rouge, LA

Incorrect information on credit report

Credit reporting:

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

Disputed: Yes Timely Response

2017-01-25

Cordova, TN

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I have been trying for at least 12 years to enroll in online account access to my savings account with Navy Federal Credit Union. I have called on many occasions day after day month after month year after year and been told because I filed bankruptcy I have lost my privileges to access my account online. This bankruptcy happened over 12 years ago it is not even in my credit anymore but some how Navy Federal Credit Union has my account flagged to never allow me to have online account access. I never heard of being punished for life for a bankruptcy that happened many years ago.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-25

Quartzsite, AZ

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: Yes Timely Response

2017-01-24

Bronx, NY

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

2017-01-24

Burlington, MA

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2017-01-24

Zanesville, OH

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: Yes Timely Response

2017-01-24

Okc, OK

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-01-24

Seneca, SC

Incorrect information on credit report

Credit reporting:

Account status
Complaint: I paid off Navy Federal on a settlement. They have sent me documentation that I owe nothing more and I even filed a XXXX to pay taxes on the amount I did not pay during the settlement. It is still on XXXX and XXXX and needs to be taken off immediately. I have called several times and I keep getting the same answer that they will resubmit. It has been over a year now and it 's affecting my ability to buy a house.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-24

Discovery Bay, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: To whom it may concern ; This is now my XXXX attempt to get resolution to my multiple concerns. I have already filed ( XXXX ) CFPB complaints ; Case # 's : ( XXXX & XXXX ). First and foremost, whomever is to receive this complaint please read the previous complaints so that you will have a good grasp s to what has been going on these past two weeks. I have been dealing XXXX XXXX XXXX at NFCU throughout last week. The last time we spoke was on Friday, XXXX XXXX, XXXX. At that time, he had agreed to at the very least have my 30 day late removed from the credit bureau 's and to find a way to stop additional reporting on the XXXX account in question until the investigation of my complaints have been completed. I told him that I was willing and able to come in to a branch a pay my minimum payments of {$330.00} x XXXX ( XXXX, XXXX XXXX & XXXX XXXX ) to total {$1000.00}. I came up with this amount per the Declarations page line # XXXX. In return, he was supposed to get the authority to have the 30 day late removed and to stop further reporting. XXXX XXXX told me that he had a meeting this past Friday at XXXX EST and that he would be getting back with me after this meeting. I have yet to hear from him concerning the status of everything that has been discussed. Furthermore, as of this past Friday, XXXX XXXX, XXXX I called and spoke with XXXX Fraud department to let them know of what was going on with NFCU and that I wanted to dispute my not being late and the effective balance and monthly payment that was reporting to XXXX as inaccurate and additionally based on unauthorized transactions. XXXX at that point filed a dispute on my behalf under the Fair Credit Billing Act which in turn is supposed to immediately stop reporting all data attached to this trade line until NFCU has had an opportunity to investigate further. XXXX XXXX is also under the impression that NFCU has up to 60 days to respond to my CFPB concerns, which is false under the circumstances I have brought forward to NFCU. At this juncture, I simply can not understand why I have been dealing with this for the amount of time I have with NFCU and yet there is still no resolution and not even remotely any consistent conversations with me as a customer. I continue to be told that I will be called back with a " status '' but this has yet to happen. Unfortunately, today is now XXXX XXXX that is reporting my being late with this account and is the last day that we can move forward without irrevocable harm to my credit. How much effort should a customer have to bestow to the creditor in order to pay a debt that is deemed the ethical and more importantly legal amount owed on a monthly basis? XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-23

Jupiter, FL

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

2017-01-23

Saint Clair Shores, MI

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 non-monetary relief

Disputed: No Timely Response

2017-01-23

Other transaction issues

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

2017-01-23

Atlanta, GA

Billing disputes

Credit card:

Complaint: I have a credit card account with Navy Federal, I open this account XX/XX/XXXX. I opened the account because i was referred by a friend. When I tried to sign into my account to make my payment, they told me that I didnt have access to my account because I was not apart of XXXX. I let them know that I was referred, they told me that, since I was not directly in XXXX the locked the account. I told them my credit card was still working, and I just wanted to have access to my account so that I could make a payment and see whats going on with the account, charges and all that. I did not want to make payments blindly, not knowing the charges on my account, or if fraud or anything was going on and I didnt know. They would not give me access. I have called several times asking for access to my account so that I can know the charges on my account and to make payments. They have not given me access. I do not think its right to be restricted out of my account and expected to make payments, not know what Im paying for and the only way i can make a payment is calling customer service. My account is still open with Navy Federal, but they have locked me out, but still charging me late fees and etc, but not allowing me see whats going on with account. this negatively effecting my credit now. My account is now 90 past due, again i want to pay what I owe, but I would like to have access to my account to do so.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-23

Wilm, NC

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: No Timely Response

2017-01-22

Columbus, GA

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

2017-01-21

Cheverly, MD

Other

Credit card:

Complaint: DISCRIMINATION ON THE BASIS OF MY XXXX. THEY ARE ALSO REFUSING TO GIVE ME EQUAL SERVICE TO ME ON THE BASIS OF MY XXXX. I DO NOT KNOW WHAT IS WRONG WITH THE XXXX PEOPLE AT THIS CREDIT UNION. THEY ARE XXXX AND XXXX. IM NOT RECEIVING EQUAL SERVICE ARE EQUAL PROTECTION. I CAN NOT RECEIVE ANY HELP OVER THE PHONE AND WAS BANNED. THEY AFTER FIVE YEARS HAVE A SECURITY NOTICE ABOUT MY SOFT VOICE CALLING ME XXXX. BUT COULD NOT DO THIS PRIOR AND LOCKED MY ACCOUNT SEVERALTIMES. I WAS STRANDED ON VACATION AND ALL MY CREDIT CARDS AND CHECKING WERE FROZEN.THEY CAN DO THIS BUT NOT
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-20

DC

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: No Timely Response

2017-01-19

El Paso, TX

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2017-01-19

Warrenton, VA

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: XX/XX/XXXX I 'm disputing Navy Federal Credit Union 's ( NFCU ) response in denying an interest rate reduction for my VISA Go-Rewards card. As I previously indicated - I 've been a NFCU member since XX/XX/XXXX. They indicated that their denial was based on their review of my current and past credit history with them. I 've had mortgage loans with NFCU since XX/XX/XXXX and have never made a late mortgage payment and never defaulted on a NFCU loan. Over the years I 've paid off credit cards, car loans and other personal loans with NFCU without late payments. I did not want to pull this card, but I 'm XXXX and NFCU knows this. Over the years I 've had to appeal and dispute loan and mortgage denials from NFCU. In XXXX XXXX, my husband obtained a car loan for a XXXX XXXX XXXX with an interest rate of 1.99 percent. After the car loan we attempted get a lower interest rate or consolidation loan for our credit cards but was denied unless we used the XXXX car as collateral. My husband and I agreed to use the car to secure the consolidation loan which also included the car loan amount and was promised in XX/XX/XXXX by XXXX XXXX ( NFCU representative, XXXX, ext XXXX ) that the interest rate would remain 1.99 percent. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX, Assistant Manager ( NFCU representative, XXXX, ext. XXXX ) and he said that he could only give us an interest rate of 5.5 percent for the consolidation loan - not the 1.99 percent that was originally promised. We have been paying the consolidation loan since XX/XX/XXXX and have never made a late payment. I worked for a short time for NFCU XX/XX/XXXX and found that they had a bias in the lending practices with XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response