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 145
2016-08-04
Discovery Bay, CA
Billing disputes
Credit card:
Complaint: My family and I went to my stepdad 's funeral XX/XX/XXXX. The house was full of people, our XXXX year old son was allowed to use his Samsung Galaxy device to play games while all the adults were busy taking care of our grieving mother and other arrangements. The house was full of people ( family and friends ) from XXXX XXXX until XXXX XXXX when we left to visit my sister.
My son asked me to buy something from the google play store for which I entered my credit card and password. I believe the charge was about {$2.00}. I authorized only that one payment.
Over the next few days, someone got a hold of my son 's device and somehow managed to make over XXXX purchases using my credit card. His device is set to always require a password, but somehow someone bypassed it. We called google to dispute the charges, and we called visa. Neither is refunding the charges which are about {$9600.00} XXXX nor XXXX bothered to verify with us whether these charges were being authorized by us at any point during the purchases. In the past, I 've been hassled whenever I tried to purchase XXXX small items back to back, but now when the charges ranged between {$0.00} and {$100.00} noone bothered to warn us.
We were so busy with the funeral and family in town, we never bothered to check our accounts online. We have completely lost faith on our ability to keep our accounts safe when neither XXXX nor XXXX are willing to do anything about our situation. They expect us to pay for something we did n't buy. I do n't even know what was purchased!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-08-03
Winder, GA
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
2016-08-03
Amity Harbor, NY
Loan modification,collection,foreclosure
Mortgage: VA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2016-08-02
Burkburnett, TX
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
2016-07-30
Oxford, GA
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: During my bankruptcy case Navy Federal had me dealing with one of their Vice Presidents, XXXX XXXX, to make my monthly payments. When my bankruptcy dismissed ( I made all my payments on time but the Chapter XXXX Trustee in XXXX is crazy ) I called XXXX XXXX and pleaded with him to let me keep my home. XXXX XXXX told me that he would work with me as long as I kept making my monthly payments. I have done this religiously including making a XX/XX/XXXX payment.
Despite my good faith efforts I got two letters from Navy Federal indicating they were putting me in default and accelerating my loan unless I come up with $ XXXX by a date which has already passed.
I 've also received a federal home loan modification and as stated above have made a payment in the last 30 days. I am current through my XX/XX/XXXX payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-07-29
Yeagertown, PA
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
2016-07-29
Ernul, NC
Payoff process
Credit card:
Complaint: My husband was a XXXX XXXX who was killed in the line of duty XXXX XXXX, XXXX. This caused my credit card to go into a negative account. I had to wait until XXXX XXXX for the investigation to be completed. XXXX XXXX, I received a letter from Navy Federal Credit Union about my credit card. I was going through multiple XXXX and contacted them in XXXX XXXX regarding this account. I spoke to my counselor assigned to the charge off and she gave me 3 options, similar to the 3 options in the letter, I could pay a lump sum of the balance of {$5300.00} and have it marked paid in full on my credit report, I could pay {$2600.00} and have it marked as paid in full for a lessor amount, or I could pay {$66.00} for 40 months and have my credit report marked as paid in full for a lessor amount upon completion of the final payment. I choose the option that worked best for me, 40 payments of {$66.00}, and set up automatic payments from my bank account every month. I pulled my credit report several months later and noticed that the balance had not changed even though I was making monthly payments. I disputed the information and they changed the balance. Last month I started working with XXXX XXXX to obtain a mortgage to buy a home. They informed me that Navy Federal Credit Union has been reporting this account as 90+ days late every month. On one report it 's 90+ days past due 44 times and another is 26 times. Any late mark before my XXXX payment on XXXX XXXX, XXXX, is accurate and valid. As of XXXX XXXX, XXXX, my account is paid as agreed per their payment options to me and my payments should not be reporting late because they are paid every month on time by automatic withdraw. The account is a charge off, I am not looking for that to change. This account is not paid late, it is paid on time and the late payments need to be removed immediately. I spoke to my counselor at Navy Federal and faxed her my credit report showing the late reporting, she told me that the credit department said it 's reporting correctly, so I asked to speak to her supervisor. She called me and I emailed her a copy of the letter they sent me in XXXX XXXX. She called me back and stated that my payments are a different amount in the letter so she said I was n't paying as agreed, which contradicted our first conversation, which she stated that they reported my account as paid as agreed for a lesser amount agreed upon, explaining that because I was not paying the full balance of the credit card. I was offered the payment arrangement by the counselor, who stated this would bring my account to good standing, the same thing stated in the original letter, and I have honored my end of the agreement with them. My payments are not late and should not be reported late. They are providing false information by saying my payments are late.
Payments made on the following dates XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX and the remaining balance of the agreement will be paid in full in the next 30 days. I have 12 payments left but will be paying it off early.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2016-07-28
Warrenton, VA
Settlement process and costs
Mortgage: VA mortgage
Complaint: Navy Federal provided a pre approval letter and told me I was qualified to purchase a home. Settlement day came and they were unable to fund ( they needed more time ) buyer told them she could not wait because she would be homeless and needed a place to live now. they refused to issue any type of letter saying that the loan was not ready and the buyer is now being sued by the seller because she did not provide the letter to the seller.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-07-27
Mckeesport, PA
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 monetary relief
2016-07-27
Val Verde, TX
Account opening, closing, or management
Bank account or service: Other bank product/service
Complaint: THE BANK SENT ME SEVERAL CONSUMER EMAILS STATING THAT FOR EVERY IMMEDIATE FAMILY MEMBER I REFERRED THAT OPENED AN ACCOUNT THAT ME AND THE RELATIVE WOULD BOTH RECEIVE {$50.00} REFERRAL FEE.
I HAVE REFERED XXXX FAMILY MEMBERS AND ONLY RECEIVED CREDIT FOR ONE OF THEM. THE BANK REFUSES TO GIVE ME CREDIT FOR THE OTHERS.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2016-07-27
Okc, OK
Loan servicing, payments, escrow account
Mortgage: Other mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-07-27
Juniper Hills, CA
Account opening, closing, or management
Bank account or service: Checking account
Complaint: A loan was created illegally thru NFCU, I was put off for months said would take loan off my accounts as of XX/XX/XXXX, never was, changed amounts added loan after date it was to be removed, added money into my checking account from a closed account in XX/XX/XXXX, more stories and accusations from them, I ca n't handle it anymore. I 'm tired of all the shady business and rude crude unattractive CSRs and from the XXXX XXXX and XXXX I can Handle. These attachments tell the whole story with their own paperwork I have enclosed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-07-26
Sandy Hook, CT
Cont'd attempts collect debt not owed
Debt collection: Credit card
Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-07-26
Hampton, VA
Delinquent account
Credit card:
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2016-07-26
Jacksonville, FL
Deposits and withdrawals
Bank account or service: Checking account
Complaint: On XXXX/XXXX/2016 I visited navy federal to see if I could apply for a loan. I spoke with rep at the branch XXXX and I advised her my score was XXXX but since I been on XXXX my credit score has decreased.Then she said then you may not get approved I asked her after 15 years of banking with your company there 's nothing you can do she said no. Then as I explained my situation she said he has referred a lot of members to some company call XXXX XXXX but could n't remember the exact name. I started searching for the website and multiple websites popped up.So I applied for a loan and on XXXX/XXXX/16 I received an email saying I was pr approved for XXXX but I only needed XXXX. The email I received says XXXX XXXX then there after I received a phone call from XXXX saying that I was approved they asked what was my hardship and then the stated to prove my identity and tat the account belongs to me they would have to do a test and deposit $ XXXX {$2000.00} and one I receive to send it right back then I would have the funds I applied for within an hour.The same day I received an alert that I have {$200.00} so I go to the ATM and withdraw the cash and then someone name XXXX called and said you will receive the funds at midnight. So I called the branch to see if there was anything showing suspicious on my account rep XXXX said no I then told her I received a call from a company saying I was approved for XXXX and there calling from XXXX XXXX CA I asked could she call them to make sure that was the company name. Rep attempted to to call but said she was not able to make outbound calls.So XXXX/XXXX/16 I received an email from NFCU saying deposit received then an hour later next email said deposit approved. So at that very moment I felt like it was legit.I ask the loan company how was I to send there money back he said go to XXXX and purchase XXXX cards and I purchased all they had totaling up to XXXX. I was asked to email the info on the back of the card.Then loan company asked where is the remainder I told him I have to go to another store to get the rest so I did. I then asked when will I receive my deposit he said he would call me back in 30 min.I set there for almost an hour at my bank. so then I called them and then XXXX stated XXXX needed an additional {$450.00} for insurance I told him I did n't have any funds so after that conversation I heard nothing from loan company. So called navy federal on XXXX/XXXX/16 telling them to close account because I felt something was n't right and explained the situation.Called NFCU on XXXX after they close previous account and learned that a fraudulent check XXXX check for XXXX was deposited and caused my account to be negative I told the rep XXXX I never deposit a check and I ask him can he email me copy of the check at this point I 'm LIVID! so the rep said mam looks like a scam. At the same time my XXXX check was pending so I asked another rep was account ok he replied yes. So when my XXXX check deposit NFCU applied my XXXX check to the negative balance of XXXX. I went to the branch upset angry and frustrated. I spoke with a rep name XXXX and she tried her best to get my XXXX check back to me but then out of no where XXXX XXXX the assistant mgr walks in the office looks at the screen and says mam there 's nothing we can do at the this point I became very irate because XXXX XXXX accused me of depositing I check I never see nor sign. I explained to the XXXX mgr mam I have to take my meds for high bp and my son that has XXXX and needs his XXXX. I stressed to asst mgr I have to pay my rent she said I had to wait 10 days.Then I became very irate and said mam this is so unfair how am I gon na pay my bills and feed my children .Asst mgr never apologized or showed any sympathy. Officer XXXX walked in the office and ask did I want to file a police report I said YES! mm for XXXX yr
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-07-25
Sterling, VA
Fraud or scam
Money transfers: Domestic (US) money transfer
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-07-25
Boca Raton, FL
Other
Credit card:
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2016-07-23
Canaan Lake, NY
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
2016-07-22
Fred, VA
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-07-22
Kawaihae, HI
Closing/Cancelling account
Credit card:
Complaint: My issue is that my credit card account was frozen, and then closed. My checking line of credit account is frozen. My checking account was frozen ( It is current unfrozen, but the lack of response from the company leaves me little faith in them going forward ) I received no notice as to why this has occurred. I have sent in the documents I was asked to send in upon my calling their XXXX and speaking to a front line Customer service representative. I have never been able to speak with or communicate with in any way the " person '' who is supposedly asking for these documents. Time line and events will be attached. ( too many characters. )
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief
2016-07-22
FL
Disclosure verification of debt
Debt collection: Credit card
Not disclosed as an attempt to collect
Complaint: I used to have an unsecured credit card who was closed on XXXX/XXXX/14 and I never knew that my account was send in collection without my knowledge. I getting some harassment phone calls from a collection agency and I am on the Do Not Call list. I am very upset about the way the Credit Union instead of contacting me directy about this.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-07-21
Jacksonville, FL
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
2016-07-20
Fayetteville, 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
2016-07-20
Dallas, TX
Disclosure verification of debt
Debt collection: Credit card
Not given enough info to verify debt
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief
2016-07-20
Garrett Park, MD
Problems caused by my funds being low
Bank account or service: Checking account
Complaint: Insufficient fund on my account which a stop payment was issued and approved with the bank I reported to the federal reserve today.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation