NAVY FEDERAL CREDIT UNION

2016-06-11

Patterson, MD

Billing disputes

Credit card:

Complaint: I had XXXX accounts with Navy Federal Credit Union. They have added XXXX to my credit reports under different account numbers. They have also re-aged these accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-06-10

N C Centralized Mailing, NC

Customer service/Customer relations

Other financial service: Check cashing

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

Disputed: No Timely Response

2016-06-10

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: On XXXX 2005, I purchased a town house a few months before the housing market collapsed. After the collapsed, the house depreciated about 60 % of the purchase value. Two years later, I received XXXX ( XXXX ) orders. I was unable to sell the town house and forced to find a tenant. Eleven years later, the market has not recover enough for me to be able to sell the property. I had been thru numerous tenants which either leave the property without noticed/paying the rent or I have to requested legal assistance to evict of them from the property. In addition, every time the property is left in a complete mess with me responsible for all the repairs. At this point, I have concluded that it is better for me to find a permanent solution to this situation. I started doing some research and learned about the different federal mortgage programs available for people in my specific situation. After reading the program criteria I was certain I qualified to receive help. Therefore, I contacted Navy Federal and requested assistance. I was directed to complete the Uniform Borrower Assistance Form and return it to them. Since I am currently station in XXXX, I requested to have all the documents forward to XXXX of the XXXX Navy Federal banks in the area in order for me to expedite the process. However, Navy Federal refused. Instead, they used the postal mail service to send me all the require documents. I explained to them, by the time the letters or documents get to me in XXXX, I am always late for the bank requested submission due date on the package. I have tried in different occasions to get the documents either fax or scan to me directly or to a Navy Federal branch in the area. However, Navy Federal refused. As a result, my application process was delayed for approximately 5 months utilizing these tactics. Once the package was completed, I requested a deed in lieu of foreclosure. However, I was explained over the phone, first " you need to place the house in the market for short-sale and intent to sell the property ''. Therefore, I agreed. Navy Federal approved the short sale and I immediately listed the property in the market. The property was on the market for 90 days as requested. In the processed, my realtor explain to me a few issued with the location of my property. The area have a higher rate of renters in comparison with owners. Therefore, it is almost impossible for any potential buyers to get finance to purchase the property. We contacted Navy Federal and after explaining the situation asked, " if they were willing to finance a potential buyers to sale the house ''. They said no. Therefore, in order for me to sell this property I need to do a cash sale. On XXXX XXXX, the short-sale time frame expired and I was unable to sale the town house. I contacted Navy Federal requesting further instructions to process with the deed in lieu of foreclose. The agent told me, " the town house was not approved for deed in lieu and I need it to reapply for short-sale to place the house back in the market, a package will be mail to you soon ''. Again, I was indirectly explained, " as long as you are making your payments on time, you are not demonstrating you have a financial issue ''. I am told over and over, " you are not qualify for the Home Affordable Modification Program ( HAMP ), Home Affordable Refinance Program ( HARP ) or any refinance option available and I had been indirectly suggested to miss payments ''. However, it is my understanding, I do not need to miss any payments in order to qualify for refinance programs. During the last ten months, the Loss Mitigation Department with Navy Federal Credit Union, has intentionally delayed my mortgage modification requested. They have continuously denial me all federal refinance options available without providing detail explanation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-10

Camp Springs, MD

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2016-06-10

Manhattan, NY

Making/receiving payments, sending money

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

2016-06-09

Bellflower, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-09

Medford, OR

Communication tactics

Debt collection: Credit card

Called outside of 8am-9pm
Complaint: I was called at XXXX two days in a row and woken up because of it. The third day I asked XXXX XXXX from Navy Federal not to call before XXXX any longer.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-09

Bellflower, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-08

Stockbridge, GA

Managing the loan or lease

Consumer Loan: Installment loan

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

Disputed: Yes Timely Response

2016-06-08

San Diego, CA

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: Yes Timely Response

2016-06-07

Bowie, MD

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

2016-06-05

Arlington, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have submitted disputes several times with Navy Federal Credit Union concerning accounts I held with Navy Federal Credit Union. XXXX continuously reports the disposition of the accounts incorrectly, and claims it is the data furnisher ( Navy ). Navy continues to claim it has correctly reported the accounts ( see attached documents ), but accounts continue to show late or " negative '' information in XXXX XXXX ( which is impossible as they were included in bankruptcy and closed XX/XX/XXXX ), and now most recently XXXX shows a balance and late for the past 12 months on XXXX account, which is impossible ( and illegal as the account was included in bankruptcy and discharged ), since the account was closed XX/XX/XXXX. It seems XXXX and Navy are not capable of reporting these accounts correctly, and would like the accounts removed, so that these mistakes do not continue. Attached is the communication between attorneys and Navy 's internal notes on my accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-04

Las Vegas, NV

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: Yes Timely Response

2016-06-04

Chaffee Village, TX

Account opening, closing, or management

Bank account or service: Savings account

Complaint: XXXX/XXXX/16 my husband and I traded our vehicle and the payment was upcoming due on the XXXX XXXX of XXXX 2016, however the dealership stated they were paying it off and for us not to make the payment on XXXX XXXX ND 2016. The bank went into our joint savings and withdrew the payment. For XXXX it 's not just my husband 's money it 's mine as well when I called the bank 3 times they did not want to speak with me because I was not on the auto loan. But they still touch my money out of my savings so how do you explain that. However I finally spoke with XXXX or XXXX from collections department, and she understood what happened and stated she would reverse the payment. It is Saturday the XXXX the of XXXX and nothing is back yet. I called again and spoke with a XXXX and gave me attitude and kept arguing with me! I asked for managers and supposedly there was not any asked for a supervisor and he was understandin and explained what was happening with the reverse funds. I need in writing that a loan that only my husband has they have the right to withdraw from a joint account when I 'm not on that loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-04

Fred, VA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: On XXXX XXXX, XXXX I submitted an application for an auto loan from Navy Federal Credit Union. I added my husband as the co-signer. I am the XXXX for my husband who is XXXX and also a XXXX Veteran. I sent in the general power of attorney and his pay documents as I am responsible for all our finances as his POA. Once the document were uploaded. I received a call on XXXX XXXX, XXXX at XXXX. This was a request for me to bring the POA into the branch with his identification. I asked how long would I have to take it in and was told within the next 14 days. I said I would come in on XXXX XXXX, because I could not get there on the following day which was XXXX XXXX, XXXX. I was told the loan was still pending until the documents could be review that I needed to bring in. On XXXX XXXX, I went into the branch and presented the documents. I was told they could not be used. I asked to speak to the Branch Manager, ( XXXX XXXX I was told the POA could not be used by someone who said they were in the Office XXXX. I asked that they read the Virginia State XXXX XXXX XXXX. XXXX understand that I did have a valid POA. I asked the person who said she was in the XXXX if she was an attorney? She said no. I asked if she was a paralegal and her answer was still no? I asked how could she interpret the rule of law? By this time I am very up and humiliated. I left the NFC and went home. When I got home I looked up the code and I also found the Virginia 's Version XXXX Act ( the " Act '' ) ( XXXX ) which clearly states that the Act does not affect the validity of any pre-existing POA executed under prior Virginia Law. The Act states that a POA is durable unless it expressly states otherwise. My husband 's POA was a durable POA because of the language of his incapacity which stated it would still be valid. Additionally I was told that the POA had to state specifically that I would be allowed to purchase an auto. I stated it general which is broad and that it listed financial instrument. A document ( such as a check, draft, bond, share, bill of exchange, futures or options contract ) that has a monetary value or represents a legally enforceable ( binding ) agreement between XXXX or more parties regarding a right to payment of money is a financial instrument. See also debt instrument, equity instrument, and financing instrument. Additionally the Act states a photo copy of the POA is to be treated as the original. The " Act '' states that I had 7 days to present documentation which I did. The bigger problem I had was the fact that I was made to feel humiliated because I have and will continue to represent my husband in good faith. But it was as if I was a criminal trying to take advantage of my husband who I have provided the best of care and made sure our finances are well taken care. My husband 's wishes were for me to take care of our family if he could not do so. What gives anyone else the right to do so when he was in sound mind when he made the POA. Even more disturbing I learned on the eve of XXXX XXXX, that the request for credit was supposedly turned down for excessive credit obligations. But why request additional documentation? I have also learned that a complaint was filed by an employee with the XXXX and XXXX Agencies by a disgruntle employee that was terminated for insubordination and because she gave my husband XXXX when she was not a nurse in my absent. This person is also filing complaints with other agencies. But if the loan was denied for other reasons I still have a right to know and not be made to be a criminal because I was protecting my husband from someone who could have killed or injured him because she was not to give my husband XXXX. I feel I have been discriminated against and possibly denied due process with this application. It is still showing under review on NFCU website. But I 'm told denied!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-06-03

Temperanceville, VA

Incorrect information on credit report

Credit reporting:

Account status
Complaint: The credit union close my auto pay and my bills was not getting paid and the funds was in my account, so the company 's reported late payment to the reporting company, my credit card was XXXX, lost I-I lost XXXX XXXX account and XXXX be cause of the late reporting on my account, they would n't give me a loan to pay the debt off without a co signer, I am qualified for the loan my income is the same I cant get a loan no where because of their conduct and lie about their conduct their acts has cause me unreversable harm How do I sue
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2016-06-03

Dortches, NC

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-02

Eagle, ID

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Case Subject : violation of TILA ( Pub. XXXX ) Case Description : On XXXX XXXX, 2016, {$1200.00} was transferred from my XXXX checking account to my Navy Federal Credit Union checking account via ACH funds transfer. When the funds arrived in my Navy Federal Credit Union checking account on XXXX XXXX, 2016 ; I found nothing was in my checking account, after trying to purchase some groceries at a local supermarket. Navy Federal Credit Union had XXXX pirated XXXX the funds that were in my checking account ( at the time : {$1200.00} ). [ In violation of 12 C.F.R. 1026.12 ( d ) ]. I called N.F.C.U. multiple times to resolve the issue, but was told to speak to someone in a different department, or that they could not help me. I was finally able to speak to XXXX different " managers '' in XXXX different departments ( checking and credit cards ). Neither was willing to work out this issue. If it had been their sons ' it would have been a different story!!! I requested the checking account Manager to provide an audit of the account per G.A.A.P or XXXX. conventions on acceptable accounting practices, which the account manager flatly refused and said " you are repeating something you read off the internet. ''!!!! A " consensual '' security interest in the account was not granted or intended, nor was I AWARE of granting such security interest.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-02

Bel Alton, MD

Credit determination

Credit card:

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

Disputed: No Timely Response

2016-06-02

Hilltop Mall, 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: No Timely Response

2016-06-02

Billing disputes

Credit card:

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

Disputed: No Timely Response

2016-06-01

Atlanta, GA

Other

Credit card:

Complaint: Navy Federal Credit Union is Reporting an Authorized User File on my Account, both myself and the Original Owner have asked for me to be removed, XXXX is stating that the information is accurate, however, I am not the owner of this account, it is showing late payments and affecting my credit. Just as the other bureaus have removed this from my file, I expect XXXX to remove it as well.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-06-01

VA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: Navy Federal Credit Union is still reporting my vehicle loan as late for 90 days. I paid this car off XX/XX/2014, so I am not late on this, and upon payment, they stated they would delete this off of my credit profile since I asked for this because derogatory information was showing on my profile. They performed a " bait and switch '' just to get my payment. I paid them in full, and they are reporting my account late. They need to remove this off of my credit profile or at least remove any late payment history they have for me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-31

Laurence, KS

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

Disputed: No Timely Response

2016-05-29

WI

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I had an unauthorized transaction on my checking account and the bank said I should stop payment on my mortgage payment because with the unauthorized transaction the payment would have bounced. I was never told that it would last 30 days. But even after the 30 day period the stop payment was not lifted which they admitted was a bank error but because of that error it resulted in my last loan modification payment to bounce and for my home to go into foreclosure with additional charges and lawyers fees from the mortgage company
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response