NAVY FEDERAL CREDIT UNION

2016-09-20

Manito, WA

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

2016-09-20

Stafford, 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

2016-09-16

Bowie, MD

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

2016-09-15

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

2016-09-15

Laurel, MD

Unsolicited issuance of credit card

Credit card:

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

Disputed: No Timely Response

2016-09-14

Central Park, IL

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

2016-09-14

Lacey, WA

Other

Credit card:

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

Disputed: No Timely Response

2016-09-14

Lacey, WA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2016-09-14

Managing 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

2016-09-13

Walden, CO

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

2016-09-13

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

2016-09-13

Memphis, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I applied for XXXX benefits at my bank, Navy Federal. They have applied the benefit to all of my accounts except my mortgage. Their reason is that the mortgage was taken out while I was on XXXX XXXX previously. While I have been off XXXX as a XXXX for about 5 years, all of my accounts and loans from every company were started during my original XXXX XXXX date. My federal education loan, XXXX accounts, and my local bank all have applied the relief during my time XXXX. Navy Federal has applied it to my Line of Credit and Credit Car accounts which were started when I was XXXX XXXX. However, for my loan, they are stating since it was started on a previous XXXX XXXX period ( as opposed to the current XXXX XXXX recall period ), they will not apply it to my loan. I spoke with my XXXX on base and he recommended that I file a complaint here.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-12

OR

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: i had bought a vehicle from a dealership that sold it to me illegally by selling it to me without having a title in hand. come to find out they never paid off the remaining amount that was owed when the previous owner sold it to them to his bank ( XXXX XXXX ). so there was XXXX people paying on the same vehicle when it comes down to it all because the dealership never paid the remaining amount that was owed to previous owners bank to get the title in hand. and since previous owner did n't possess the vehicle anymore he refused to keep paying for the vehicle anymore, so his bank ( XXXX XXXX ) came and found my vehicle that i had now possession over and repossessed it from me because of failed payments. now i 'm making payments own this car loan when i no longer possess this vehicle.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-10

Detroit, MI

Balance transfer

Credit card:

Complaint: On XXXX XXXX, 2016 I applied for a Navy Federal Credit Card online in which I requested a balance transfer for XXXX in hopes that I 'd receive a 0 % interest rate card to pay off my loan and credit card faster. I received correspondence from Navy Federal on XXXX/XXXX/16 that the balance transfer for the Navy Federal loan would n't be processed because it could only be made from other financial institutions. I received the Navy Federal credit card on XXXX/XXXX/2016. On XXXX/XXXX/2016, I reviewed the interest rate and discovered it was 15.40 % with an available balance of {$6500.00} so, I contacted XXXX to cancel the remaining balance transfer for XXXX credit card which has an interest rate of 3 %. I was advised the transfer would be cancelled. I called back on XXXX/XXXX/16 for verification that the balance transfer was cancelled because the online account showed XXXX pending in which the representative XXXX stated he would send out the balance transfer cancellation request via email ( XXXX/XXXX/16 ). On XXXX/XXXX/16 I received a call from XXXX from XXXX which, he denoted he had some email problems but received response back stating the balance transfer was electronically processed on XXXX/XXXX/16 to XXXX and I would need to contact the company to have them return the electronic funds. Did you not see in your notes when you typed my cancellation request that it was processed and posted on the same day? On XXXX/XXXX/16 I contacted XXXX and spoke to representative XXXX who transferred me to XXXX with Executive Resolution Team who was wonderful but stated the balance transfer could n't be sent back or reversed it would be an applied payment. I immediately called Navy Federal back and spoke to XXXX again and inquired as to why he did n't utilize other options if he was aware my intent was to cancel the balance transfer. XXXX stated, " He would process a recall submission of the balance transfer which is no guarantee and takes XXXX weeks. '' I requested a supervisor. He transferred me to XXXX who was not empathetic and offered up a bunch of excuses. She proceeded to tell me the representatives take calls and ca n't address all the emails when I asked her if he received a response back why I was n't notified in a timely manner XXXX/XXXX/16. She stated, " You had 10 days to cancel the balance transfer. '' I advised her that I never received or seen any disclaimer that denoted I had 10 days to cancel. Also, ten days from which date the application date, the processing date, or the date I received the card. In addition, does the 10 days include the weekend? She told me that XXXX might not return the electronic payment but I could transfer the balance back. If I transfer the balance will Navy Federal pay the balance fees? Her response was " no ''. I informed her that if I had immediately received information to let me know what my interest rate was going to be I would have cancelled immediately. Now, Navy Federal has caused me to pay more in interest fees which will take even longer to pay -off. I want Navy Federal to reverse my balance transfer. If not, pay the balance transfer fees, accrued interest, and match the 3 % interest that my XXXX credit card has until the card is paid off.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-10

Santa Ysabel, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I was the innocent victim of a suspected fraud claim but NFCU did nothing to assist me and help me out of the bind that I was placed in. There was a transfer of money from one friends account to another but the transfer resulted from a misunderstanding. My account was affected because I also received a transfer from the account suspected of fraud. It was n't fraud but just a misunderstanding like I said. The day after this transfer, my account is locked and I no longer have any access to my funds. I find this out after attempting to make a purchase at XXXX. No one in the security department ever reached out to me and said hey we suspect that your account may be involved in fraudulent transactions. I call the contact center immediately and get told that my account is under investigation and will be until the XXXX of XXXX and this is on the XXXX. Now I have a family and bills and a ton of responsibilities that require attention and money. I ca n't attend to those without monetary funds. I have been calling the customer center everyday since I found out about this and I 'm usually given these cookie-cutter/fabricated responses that help no one. As days pass I begin to become more and more frustrated by the disappointing low level of help and assistance I receive. One of the supervisors I speak with tells me that if the claim initiator calls and retracts the claim then investigation will stop in its tracks and I 'll gain access to my account but that was a lie. Long story short, the misunderstanding has already been cleared up at a much lower level like it should have been but the NFCU security department still has to pursue this ghost investigation that they are taking their time to complete. They are not concerned with the fact that I have a family to feed or the fact that I have to pay for gas in order to get to work or the fact that I put on a military uniform everyday and serve this country and protection of freedom all to be told that I ca n't be helped until the XXXX of XXXX. I currently have no access to any of my money and have no way to pay for anything. My account is locked/restricted due to something that has nothing to do with me and NFCU does n't seem to care. No one from security has even reached out to me like the customer contact center has told me they would. Then when I call to speak with the security department I 'm told that no one will speak to me as if I 'm not important enough. Oh and last but not least, one of the customer service supervisors I spoke with decided to give me the same lack of concern and empathy that his subordinates showcased and even hung up on me. I admit that I was speaking to the supervisor with much enthusiasm and passion in my voice and I was upset so I may have used some colorful language but when you 're back is pushed against the wall how are you not going to react. I found it very disrespectful that he would hang up in my face while I am voicing my extremely important concern. I would never threaten anyone with violence but when someone tells you tough luck and and acts as if they do n't care that you ca n't feed your family that would make any MAN upset enough to want to fight because a MAN goes out and works and puts food on the table for his family and after I have done the work you expect me to be fine with you denying me access to that money that I have put countless hours of work in for on a daily basis. I am VERY unsatisfied with NFCU and would like nothing else to be move my banking services elsewhere because I have been shown nothing but NFCU 's true colors once this issue arose.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-09

Escondido, CA

Credit line increase/decrease

Credit card:

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

Disputed: No Timely Response

2016-09-09

Phenix City, AL

Settlement process and costs

Mortgage: VA mortgage

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

Disputed: No Timely Response

2016-09-08

Elkridge, MD

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 non-monetary relief

Disputed: No Timely Response

2016-09-08

Killeen, TX

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

2016-09-08

Brandon, FL

Application, originator, mortgage broker

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-09-08

Lithonia, GA

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

2016-09-08

Cadwell, GA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Denial for Gap in Employment ( Husband ) no letter from Navy Federal Credit Union ; Navy put us in for the wrong Mortgage Loan put The XXXX in for First Time Home buyers ; Misled closing Attorney by sending documents for them to close on Loan : We determine we was put in for the wrong type Loan, Navy put us in for a First Time Home Buyers and I ask that question back in XXXX 2016 who decided that type of loan, this correspondence was sent via Navy message but never got corrected by Loan Officer ( XXXX XXXX ). XXXX sent an email saying approve to move to processor and she ( XXXX ) will be get in touch to prepare the XXXX for closing. The closing Attorney said the file was given to him a week before the closing date XXXX XXXX, 2016 so he can prepare for closing. I phone and XXXX told me XXXX said was not going to make closing, why was n't we notified about closing. Navy never told us to extend closing and now all involve was misled about closing on my future home. the final, the XXXX call XXXX Monday XXXX XXXX, 2016 later that day and she told us we was denied because of my husband GAP in Employment. We do n't believe XXXX XXXX followed the attached email from XXXX HR contact XXXX XXXX XXXX to verify his employment, the email is attached and why was n't the employment verification done weeks in advance and then we was told the Loan was Denied wholly off XXXX gap in employment by XXXX over the phone the same day she contacted his employer?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-07

Murrieta, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2016-09-07

Dover, DE

Shopping for a 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

2016-09-07

Centralia, WA

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