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 14
2019-09-10
Hollywood, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-09
New Rochelle, NY
Fraud or scam
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-09
Hilltop Mall, CA
Closing on a mortgage
Mortgage: VA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-09
Oxford, GA
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: This complaint is regarding my case # XXXX with Navy Federal Credit Union. On XX/XX/2019, I noticed an debit in the amount of {$840.00} from my checking account. I immediately contacted NFCU, and I was advised that this was a debit from XXXX. I then advised the representative that I had not authorized XXXX to debit any funds from my account. At that time I was given a provisional credit for the same amount. On XX/XX/2019, I noticed that NFCU had once again debited that same amount of {$840.00}, that as given to me as a provisional credit from my account. I have not authorized any transactions to XXXX in the amount of {$840.00} and I am in possession of my debit card that is linked to my checking account. I am requesting that the total amount of {$840.00} be returned back to my account. I am a single parent and to have unauthorized transactions debited from my account is fraudulent. I have paid my cellular phone bills to XXXX with my NFCU checking account when I was a customer of theirs, however, I am a customer with XXXX XXXX XXXX now and has been for 6 months. XXXX has obviously and without my consent used my previous payment information to withdraw the {$840.00} from my account. That is not fair and it's criminal. I did not even know that a company is allowed to keep your payment information on their files and use it at their convenience. If XXXX has a problem with me owing them money, then there are collection procedures and even court that can be utilized, but they should not be able to take money from my account without my authorization or knowledge. Please help me get this issue resolved because NFCU has not resolved this issue fairly.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-08
Birmingham, AL
Fraud or scam
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-08
Santa Ysabel, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: On or around XX/XX/XXXX a withdrawal from my checking account was transferred to an external bank account for a name of a person my wife or I have never heard of in the amount of {$1600.00}. And another on XXXX XX/XX/2019 for {$1600.00}. My wife noticed and notified me. I called Navy Federal Credit Union and file a fraud claim with them that day. The payment that was deducted that day was returned to our account a couple of days later. I was told someone accessed our account and it was with an email we had never used. We were not notified of the change to our account we have had for about 20 years. The security department took the claim and looked into it and told us there was no error, but they did not talk to us and we were never notified when the new access to our account was established. No explanation was provided about the transactions or what they investigated only that their was no error and we were responsible for the funds. I set up the first ever external bank account to transfer fund to and did that in person at a navy federal in XXXX off of XXXX XXXX. and transferred the funds in person and the second time too. Find it suspicious it all happened around this time that is when someone accessed our account with other emails and I was not notified. Security department has provided no information other than no error.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-08
Norwalk, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: There is {$500.00} in my checking account with Navy Federal Credit Union.When I attempted to withdraw {$500.00} this morning at an ATM machine the transaction was declined.It would not disburse the money, Said account was " restricted '' .Same thing at a second ATM machine.I called the Credit Union and was told my account was frozen and I could not get the money out.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-07
Lewisville, TX
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: On XX/XX/19 I applied for a cashback refinance with Navy Federal Credit Union. I was assigned XXXX XXXX ( NMLS : XXXX ) ( Phone : XXXX x XXXX XXXX as my mortgage processor. I began the process of submitting all my required paperwork to satisfy all requirements. I received a conditional loan approval on XX/XX/19. I then chose my title company ( Navy Federal title services ). I submitted all the required documentation to the title service, including getting a warranty deed signed from a very reluctant ex-spouse. I then paid for an appraisal in the sum of {$540.00} on XX/XX/19. The appraisal was completed on XX/XX/19 the appraisal was completed. I submitted all the final paperwork to be processed through underwriting. On XX/XX/19 my loan was approved and cleared for closing and I received a closing date for XX/XX/19. On XX/XX/19 I received a call from XXXX informing me that I would not be able to close on my loan as laid out in the terms that I agreed upon and was approved by the lender. When I inquired as to why, I was informed that the company was unaware of Texas State regulations that prohibits cashback refinance. I was informed that I could close on my loan but the original plan to get cash back was not an option. After informing XXXX that I needed to process the information I called another lender to inquire about this regulation because it did not seem fesible to me. I spoke with a total of 4 other lenders and was informed that there is no State regulation that prevents a cash back refinance. I then emailed XXXX to inquire as to why Navy federal was unable to provide a cash back refinance but other lenders were able to. After going back in forth via email it was discovered that the type of loan I needed was a Texas 50 ( a ) ( 6 ) and Navy Federal does not offer that type of loan. So I inquired as to why I was not informed of this BEFORE processing the application and paying for an appraisal. I was told they were not aware of the guidelines ( can provide email documentation of this conversation ). So I requested to be refunded my appraisal fee so that I can seek out a lender that could provide me with the loan I requested. I was continuously told the fee would not be refunded. After back and forth emailing with XXXX, I decided to reach out to her immediate supervisor XXXX XXXX ( XXXX ). XXXX was out of town on vacation and an auto reply email directed me to next in charge ; XXXX XXXX ( XXXX ) ( Phone number XXXX ). I spoke with XXXX on XX/XX/19. I informed her of my grievances and all she did was defend the company error. By this point I had obtained enough information to know that they allowed me to apply for a loan application that was against State regulations and they accepted a fee to process a loan that I was never eligible to get. I was already in contact with several lenders and they informed me that an appraisal transfer would not be possible. I requested my appraisal fee back as I felt that was the only fair thing to do. XXXX stated she would look into it. While my issue was " being looked into '' I happen to run across a lender that said they would accept a appraisal transfer but a fee is generally charged. So again I contacted XXXX and informed her that I found a company that was willing to accept my appraisal but there may be a fee associated with it. All I requested was that Navy Federal agree to transfer the appraisal and pay any applicable fees associated with the transfer. I informed XXXX I would be in touch when I came to that part in the process. On XX/XX/19 I received an email from my new lender stating that we are waiting on the appraisal company to approve the transfer. I emailed XXXX and XXXX again, requesting a follow-up about the status to the appraisal transfer. I did not get a response from either person. I received another email today from my new lender requesting that I reach out to Navy Federal because they have not been responding to ANY requests made. This whole ordeal has been a nightmare and I just want Navy Federal to make amends for THEIR error and do the right thing!
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief
2019-09-07
Jacksonville, FL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-07
Fontana, CA
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-06
Chandler Hts, AZ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-06
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
2019-09-06
Allendale, MA
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-06
Memphis, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I AM A VICTIM OF IDENITY THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-06
Mobile, AL
Problem with additional add-on products or services
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-06
Folsom, CA
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Funds not handled or disbursed as instructed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-06
VA
Other transaction problem
Money transfer, virtual currency, or money service: International money transfer
Complaint: On XX/XX/2019-XX/XX/2019, I contacted after being targeted by fraudsters who stole total of {$230000.00}.
Navy Federal Credit Union XX/XX/XXXX international wire transfer to XXXX XXXX {$41000.00}.
XX/XX/XXXX international wire transfer to XXXX XXXX {$35000.00}.
XX/XX/XXXX international wire transfer to XXXX XXXX {$80000.00} XX/XX/XXXX international wire transfer to XXXX XXXX {$75000.00}.
XX/XX/XXXX I reported to NCU bank for FRAUD and requested for cancellation Immediately, XX/XX/XXXX total {$150000.00} could possible to holding action because International wire transfer transit time in USA from Navy Federal Credit Union to XXXX XXXX XXXX should take 3 days in USA then arriving country takes another 3-4 days. These funds available dates are XX/XX/2019.
If NCU wiring department takes action for cancellation immediately I didnt loose these money.
I complaint for funds available date If wire transfer takes same day, Navy Federal Credit Union must update wire transfer website information for consumers immediately also they must tell to consumers for correct meaning for funds available date. Bankers told me their computer system generated available date automatically, but Wire transfer is much faster than 5-7 days, sometimes same day.
As consumers, were depends on bank policy and rule on the public website also Receipts my last two transactions funds Available date is XX/XX/2019.
Navy Federal Credit Union bank international wire transfer transit time is 5-7 days, sometimes takes more days but Navy Federal Credit Union fee is cheaper than other banks.
My complaint is : Navy Federal Credit Union should pay me back for XX/XX/XXXX two transactions I think this is very unfair Navy Federal Credit Union must update wire transfer information on line website and their computer banking system correction for funds available date instead of system automatically calculated 7 days, Most of consumers include me, when they see funds available date we believe funds will be there around those dates. I never hear international wire transfer transit time is same day- until NCU banker told me after I realized I lost all my money by Fraudsters.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-06
Jacksonville, NC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-06
Gretna, LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-06
Managing an account
Checking or savings account: Savings account
Banking errors
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-05
Lewisville, TX
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: Navy Federal Credit Union has been notified on multiple occasions that there are 2 Credit Cards, and a Membership a savings and checking in which was opened in my name with Stolen Identification, After my wallet was stolen and the thief used the stolen identification online using a fraudulent address, To open a Fraudulent membership and credit cards. Online. Navy Federal Confirmed that these three accounts all had been opened online. This includes a Checking and Savings and 2 Credit Cards. Navy Federal when I call in refuses to assist me with this matter, and stated they have investigated and that I authorized the accounts, in which I didn't and that they have verified these. First of all you have to have family members in the military or have a spouse in the military to join. All of which I do not. Secondly, My Identification was stolen when my wallet was stolen. I notified the Credit Bureaus as soon as I could when I saw these fraudulent accounts. Navy Federal never called to clear the Extended Fraud Alerts on my credit bureau reports, before allowing the membership or accounts to be opened. They sent the cards to a fraudulent address, I never received any account documentation on these accounts either. They use the terms " our member '' when they are responding to complaints. They refuse to follow the law and investigate the fraud. I never authorized these accounts to be opened, I never received any account documentation. Your agents advised me these accounts were all opened online. Which again, I did not authorize. Navy Federal allowed a thief to open accounts and then accuse me of opening accounts that I didn't open nor receive. I am attaching a Valid FTC Affidavit. To this complaint. I want Navy Federal to immediately resolve the issues, as Identity theft is not a laughing matter. I believe Navy Federal takes this as a joke. I am a victim of a crime. I have not ever signed anything for your bank, I did not authorize any accounts to be opened. I will continue to report these accounts to the credit bureaus as Identity theft, because these are UNAUTHORIZED and opened from a thief. Please follow proper laws and investigate the actual crime. I am not your member, and I do not wish to be referred to as such.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-05
Ontario, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-05
Gaithersburg, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2019-09-05
Fort Worth, TX
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-04
Bostonia, CA
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