NAVY FEDERAL CREDIT UNION

2016-10-20

KS

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Navy federal credit union froze my check8ng account on mpre than 3 occasions. They locked me out of my checking account amd saving account due to not repayment of a loan on time.it acused me to change my direct deposit of my pay check to another financial institution.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-20

CO

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I was an XXXX XXXX XXXX and was banking with Navy Federal, I opened I had XXXX open loans as well as a credit card with them, well I also applied for the loan protection that will cover me in case of loss of life or employment, anyways, I was released from militray service casue of force of reduction ( downsizing ) I had called Navy federal since XXXX 2015 till a few months ago I also communicated thru secure messge thru their websit, what irritates me is that when i was released fro XXXX XXXX I went ahead and call Navy Federal to inquire on what was needed, I called thru their XXXX number as well as secure meesage -- - I did what was told of me, then I found out that It was thru a XXXX party that covered the protection -- - I called them and they representative told me that NAvy Federal should of told me the requirements, with all the communication with NAvy Federal theu Private message and calling them, as well as a financial planner going thru my records, I was told by representative that I wouldnt qualify becasue i was at my 31 day and I nneded a documentation stating I was receiving unemployment -- - I feel that with the lack of informationfrom Navy Federal I was screwed andnow I have empoyment that salary is way less than military but now I have a huge amount of debt that I cant pay maybe in a lifetime
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-10-20

Corona, 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: Yes Timely Response

2016-10-19

Borough, CT

Other

Credit card:

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

Disputed: No Timely Response

2016-10-19

Norfolk, VA

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

2016-10-19

Hudson, NC

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-10-19

Wayland, MI

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2016-10-19

Southern Pnes, NC

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

2016-10-19

Santee, CA

Taking/threatening an illegal action

Debt collection: Auto

Seized/Attempted to seize property
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-19

Elkhart, IN

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

2016-10-19

Watkins, CO

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I had a delinquent loan with Navy Federal Credit union. I was repeatedly called and threatened with legal action, and notification to my XXXX XXXX. I was also locked out of my accounts, so making payments was not possible. I did not know this illegal debt collection processes until the recent case by the Consumer Financial Protection Bureau.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-19

Leon Valley, 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

2016-10-19

San Jacinto, CA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Navy Federal Credit Union froze my accounts due to a late payments. They would make me call them to unfreeze my own account with my own money even if it was a day late. They also withdrew money from my savings account without consent for any overdraft in my checking account. Also when a company tries to withdraw money and there are insufficient funds, navy federal charges XXXX dollars and they do not even bother to charge you. They did that about 3 times for XXXX dollars each time. I do not understand this, I am in the military and having to deal with my account not working while I 'm trying to buy food or personal thing, because it is my money, is absurd.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-19

Eglon, WA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I was a customer of navy federal during the period that they have admitted to wrong doing. My paychecks where with held multiple times
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-19

GA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Navy Federal Credit Union had frozen my Bank account on numerous occasions as a means of obtaining payment on a credit card and would not allow me access to my account until said payment was made.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-19

SC

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Navy Federal Credit Union froze my accounts and told me several untrue statements in regards to my account ( checking and credit cards ) so I decided to file a bankruptcy. The statements they told me were untrue and caused significant harm to my credit and life.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-19

Norwalk, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I was a member with Navy Federal Credit Union. When i was late on payments, they would withdraw whatever funds i had in my account, freeze my accounts until the late payment was paid, and call me over and over again multiple times throughout the day. After having my account frozen and overdrawn plus adding overdrawn fees added to my account, i could no longer keep my checking accounts with Navy Federal Credit Union. I tried to make things right with them but with all the fees added to my checking account, they made it impossible to considering the account was overdrawn because i was late on a payment and they froze my accounts and took whatever funds i had in the account. When i would talk to them on the phone in attempts to make payment arraignments, they would insist that i needed to take on multiple jobs such as mowing lawns and babysitting to come up with funds owed. I once got a call on my work line which was never given to them and that individual who called threatened to tell my employer of my debt issues.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-19

La Quinta, 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: Yes Timely Response

2016-10-19

Val Verde, TX

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: When I 'm unable to pay and set up a payment plan navy fed would lock my account and then not honor the payment plan date we would agree on and take more then what was due to be paid and withdraw it 1 or 2 days earlier causing me to get even more behind and frustrated that I ca n't make my payments.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-19

Henderson, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Repeated calls XXXX or 8 times a day to my home. XXXX or 3 times a day to my work { after I asked they not call me there }. Locked out of my Navy Federal Credit Union account and unable to see my balance and or statements.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-10-19

Southern Pnes, NC

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

2016-10-18

Ernul, NC

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

2016-10-18

Havelock, NC

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2016-10-17

Alexandria, VA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: No Timely Response

2016-10-17

Beyersville, TX

False statements or representation

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

Attempted to collect wrong amount
Complaint: After being laid off and struggling to get bills paid on time, I contacted Navy Federal Credit Union for assistance and payment arrangements. Since doing that it 's been an utter nightmare as they have continued to ignore any arrangements made and constantly transfer funds out of my account. These transfers sometimes are reversed immediately upon contacting them, while others can take 24-48+ hours for resolution. Around 14 calls lasting 15+ minutes or longer to Navy Fed and 4 lasting with numerous cancelled transfers I have reached my breaking point and need help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response