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 13
2019-09-18
Santa Ysabel, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Two credit accounts were opened fraudulently. Navy Federal Credit opened XX/XX/2017. XXXX XXXX XXXX installment account opened XX/XX/2017.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-17
Rehoboth Bch, DE
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: In the process of obtaining a mortgage through NAVY FEDERAL CREDIT UNION. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through XXXX XXXX XXXX phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME.
On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either NFCU or XXXX in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-16
Phoenix, AZ
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: my name is XXXX XXXX My name and personal sensitive information was used to opened to credit cards with navy federal credit union. The cards was opened and maxed out and are now reporting negatively on my credit report. I filed a police report with the location it was opened XXXX police department. my police report number XXXX. The date the accounts was opened on was XX/XX/2017 and to this day of me reporting them its still showing on my credit report. I also have disputed the information with the XXXX and they still decided to report this fraudulent information on my credit report. The results of this fraud has also led to have my personal information as far as my address reported wrong and cellphone number as well
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-15
Temperanceville, VA
Problem with a lender or other company charging your account
Checking or savings account: Savings account
Money was taken from your account on the wrong day or for the wrong amount
Complaint: The second week of XXXX I was a victim to a scam in the XXXX XXXX area, and it was in the form of a job opportunity, I went to the place I did work and I was physically handed a check for working for this company. I worked for a month until I got my first check, along with that I gave them my account and routing number for direct deposit, and they told me I would start getting direct deposits for my second payment. The first way I got paid was through a check. I deposit the check and there was a hold on it, I believed it was normal. Then one morning I check my account, my account was negative {$3300.00}. I was on the phone with Navy Federal from XXXX to XXXX the next day and its not until a week later they finally made a fraud claim. A month goes by and finally the XX/XX/XXXX Navy federal calls me to tell me I would have to take care of the negative in my account and theres nothing they can do about it. Along with the investigation, I filed a police report and the people I was working for are nowhere to be found.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-15
Bloomfield, NJ
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-15
Stewart, AL
Incorrect information on your report
Vehicle loan or lease: Loan
Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-15
Stafford, VA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I have one second mortgage with Navy Fed CU, the XXXX credit is showing two separate mortgages with same open, balance, monthly payment and same creditor and they are reporting both negative on my credit report.
There is only one mortgage in reality, and the status is not reporting accurately, the status is showing as foreclosure proceeding started. The real property has been foreclosed in 2010.
I need help in getting this resolved please.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-15
Montgomery, AL
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-14
Chester, VA
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: On XX/XX/2019, I noticed an inaccurate reporting to my credit report from Navy Federal Credit Union send a letter of verification/ validation of the alleged debt. My letter was VERY clear on what I was requesting to ensure this debt was mine As a response from the ORIGINAL creditor dated XX/XX/2019 was that " we have completed our 'investigation ' ''.
What was the investigation? Where are the results of this investigation? How was this information investigated?
After the ORIGINAL creditor blatantly and arbitrarily disregarding my request, I sent a follow up letter on XX/XX/2019 ( I was waiting for further information of the alleged investigation and It never came ) letting Navy Federal Credit Union know these things an that their response doesn't met the FTC guidelines of proper debt validation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-14
Coalinga, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I XXXX XXXX XXXX, have payed off the vehicle loan with Navy Federal Credit Union ( NFCU ) and they have reported to the credit bureaus that I've made late payments. This information is incorrect and they refuse to fix it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-14
Ridley Park, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I paid all my credit cards down to a XXXX balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-13
Jacksonville, FL
Problem with a company's investigation into an existing issue
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Their investigation did not fix an error on your report
Complaint: I have reason to believe that Navy Federal Credit Union is harassing me with location services and investigative services through the XXXX XXXX XXXX XXXX, since a private investigator was hired to locate my car. ( Please see Factual Content & CFPB COMPLAINT # XXXX ). I have reason to believe this because when I spoke with a representative ( XXXX or XXXX ) at Navy Federal Credit Union over the phone one evening she said that XXXX XXXX will locate me. The tone behind what she said seems to imply a threat or investigative services, and this bothered me. It still bothers me.
In the past a private investigator was hired to confiscate my property, and I am concerned that even though my car loan payments are current someone is still being hired to locate my property, observe, and report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-13
Aiken, SC
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-12
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
2019-09-12
Santa Ysabel, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Incorrect Information on my credit report.
Fraudulent accounts : XXXX XXXX XXXX Navy Federal Credit Union
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-12
Atlanta, GA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Hello, I am having a problem with a credit card obtained from Navy Federal which I am making payments on and against the balance owed. My payment history is not reflecting as it should and thereby keeping my credit scores low, in a time when I need to purchase a home and make transactions which a lower score ( as the types identified with late payments ) will keep me in a higher interest bracket.
I called Navy Federal and they said they would not report my payments until the entire balance is paid off, again this is something that has never happened and which is detrimental to my advancement in the purchases I would like to make and the interest for which I believe I should qualify.
I opened the account while I was XXXX in XXXX and am a XXXX veteran. I would like assistance with this matter and would like the payments to show as they should so that potential lenders can see that I am indeed making payments and meeting my obligations.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-12
Alta, IL
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-12
Scottsdale, AZ
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: I am a victim of identity theft and someone opened a fraudulent credit card account with Navy Federal Credit Union. I did not apply for any credit card account with Navy Federal Credit Union. The account is fraudulent and not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, legal action, arrest, job loss, garnishment of wages, jail, prison, XXXX and XXXX XXXX from Navy Federal Credit Union Debt Collection Representatives which is frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-11
Ashville, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I filed a dispute with Navy Federal Credit Union around XX/XX/2018 in regards of a car that was paid for by GAP insurance. The loan amount shows paid in full but shows up as a charge off.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-11
GA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: My name is XXXX XXXX, I opened an account with Navy Federal Credit Union in XXXX. I had a personal as well as a business account. I have been making deposits as well as withdrawals in the account since it has been open. Fast forward to XX/XX/XXXX. I was on vacation in XXXX and I was notified that my BUSINESS account was restricted and I wont be able to get the XXXX that's in it until I pay XXXX of personal debt that I " owe " Navy Federal. I was stranded in XXXX, my business is going bankrupt and I have a business partner that is not affiliated with navy federal and is requesting the funds. I contacted navy federal about this several. At first they told me to go to the bank with my ID and I will be able to get the funds out of the business account. I went into the bank and I was told that I cant and will never get access to my business account. I spoke with several representitives in the security department, and they all were rude and keep telling me I cant get funds to my business. I am a separate entity from my business and navy federal is holding my business account hostage. I am a veteran that serves in the United States XXXX and I am very disappointed in the treatment that I am receiving. I am in the process if being evicted, car repo and homeless because of this. All I am asking for is to access my funds that I worked hard for. I NEED HELP PLEASE.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-10
Magnolia, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I submitted a complaint XXXX, concerning my home loan being reviewed for foreclosure, because I had been told I could make a payment. I requested the telephone calls be reviewed. On XX/XX/2019, I received a message from XXXX stating Navy Federal claimed I had not submitted the Hardship packet. However, this is not true and I have the tracking receipt to prove the packet was received. I never received a letter or anything concerning my Hardship packet, but I received a letter stating my home was being sold on XX/XX/2019, and people have been texting and calling my phone concerning the sale of my home. I am a XXXX veteran and I have a XXXX XXXX and I am awaiting VA benefits for XXXX, so the fear of being homeless is affecting me in a horrible manner. Why request I send in a packet and under documentation if there was no intent to assist me. I emailed Navy Federal a copy of the transaction receipt, because I do not feel the information provided to me over the telephone can be relied upon since this last issue occurred. I have no idea if calls were received or update on packet.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-10
Bolling Afb, DC
Managing an account
Checking or savings account: Checking account
Cashing a check
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-10
Coalinga, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I XXXX XXXX XXXX XXXX, have tried to contact Navy Federal Credit Union about my vehicle loan but to no avail.
My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I deploy but they refuse to accept. NFCU will not accept my XXXX request.
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the XXXX and with out it show on my credit report which is negatively effecting me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-10
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-10
Magnolia, TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: I was involved in both the XXXX & XXXX XXXX breach of security on XX/XX/XXXX & XX/XX/XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation