NAVY FEDERAL CREDIT UNION

2016-05-26

Chestertown, MD

Loan modification,collection,foreclosure

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

2016-05-26

Alexandria, VA

Account opening, closing, or management

Bank account or service: Savings account

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

Disputed: No Timely Response

2016-05-25

Richmond, VA

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

2016-05-25

Chesapeake, VA

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

2016-05-25

Ernul, NC

False statements or representation

Debt collection: I do not know

Indicated committed crime not paying
Complaint: navy federal credit union has continually to violate federal and state guidelines and statues Ive had several conversations with members of navy federal credit union customer resolution dept as well as branch managers about account numbers that i had no idea existed that was showing on my credit report which could not be found in there reporting or book keeping systems after several complaints nothing has been done to rectify the issue on XXXX XXXX XXXX XXXX nc police dept did a investigation at the branch located on XXXX XXXX in XXXX nc. conclusion of that investigation concluded that navy federal credit union committed wire fraud by reporting account information that was not in there systems and re-reporting those accounts to a credit reporting agency. not only but not limited to navy federal credit union also. stated the accounts where in charge off without sending out any billing statements or letters stating repossessions and account charge offs by the statues of limitation to correct any wrong information. before the accounts where charge off. after pointing out the mistakes and violations under the federal law Navy Federal collection team continued to violate the law by blocking all access to branches as well as phone communications. XXXX in there customer resolution department stated that the accounts should have not been reported. as well as XXXX XXXX of the XXXX branch told law enforcement that the accounts are not in there system and she did n't know why they would refer me to come to a branch. also after law enforcement told them to remove the information within four days for the accounts being fraudulently placed. which is a federal guideline under the dood frank act as well as the FCRA. Also i received a letter addressed from XXXX XXXX which is the senior vice president of collections stating that i caused fellow members to lose shares and money from the credit union without proving that i caused these adverse conditions against other members accusing me of a crime. When in fact the account numbers that they are reporting are not even account numbers that have. After repeated attempts to reach out to XXXX XXXX XXXX the XXXX of collections of the credit union was told that i would not ever be able to speak with him. At no point in time in there communications did navy federal ever communicate that these where attempts to collect a debt and any information will be used for those purposes. After asking on several attempts for information referring to any charge off accounts on the dates there where charge off. and any information they could provide showing me the collection attempts before being charge off to show where i refused to remit payments under the accounts they stated they charge off. Also the account numbers listed on my credit report show cause of where i agreed to any type of collections or contracts under the account numbers currently reporting under my credit file. Section XXXX under the FDCPA LAW it states that FALSE OR MISLEADING REPRESENTATION OR MEANS IN CONNECTION WITH THE COLLECTION OF ANY DEBT.WITHOUT LIMITING THE GENERAL APPLICATION OF THE FOREGOING THE FOLLOWING CONDUCT IS A VIOLATION OF THIS SECTION. ( XXXX ) THE FALSE REPRESENTATION OF ( a ) THE CHARACTER, AMOUNT, OR LEGAL STATUS OF ANY DEBT. ( XXXX ) THE FALSE REPRESENTATION OR IMPLICATION THAT THE CONSUMER COMMITTED ANY CRIME OR OTHER CONDUCT IN ORDER TO TO DISGRACE THE CONSUMER. ( XXXX ) THE USE OF ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COLLECT OR ATTEMPT TO COLLECT ANY DEBT OR TO OBTAIN INFORMATION CONCERNING A CONSUMER. ( XXXX ) THE USE OF ANY BUSINESS, COMPANY, OR ORGANIZATION NAME OTHER THAN THE TRUE NAME OF THE DEBT COLLECTORS BUSINESS, COMPANY OR ORGANIZATION. ALSO ON THE SECURITY AGREEMENTS OR CONTRACTS SIGN THERE IS NO MENTION THAT NAVY FEDERAL COULD REPORT ANY INFORMATION TO THIRD PARTIES.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-05-25

Del Sur, CA

Managing the line of credit

Consumer Loan: Personal line of credit

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

Disputed: Yes Timely Response

2016-05-24

Fairfax, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-05-24

Greensboro, NC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Insurance premium of XXXX for Mutual of XXXX whole life policy # XXXX, which I signed an agreement to be deducted from my personal checking account with the Navy Federal CU, account # XXXX on the XXXX of each month. The company XXXX debited {$55.00} on the XXXX of XXXX and on the XXXX of XXXX. They made XXXX withdrawals within a 30 day period, illegal under banking laws for an insurance product. NFCU has offered to credit back the {$31.00} overdraft fee. I believe XXXX knew I had an XXXX deposit pending and was held until the XXXX. NFCU, although I had a pending posted deposit, NFCU refused to clear the draft. XXXX uses different days to post this payment, so that I may lapse my insurance policy, depite federal banking laws. They can not make multiple drafts within a 30 day period for an insurance policy. I do move money around as I have been a victim of identity theft, so I need the bank to follow an automatic draft schedule as most financial institutions are capable of in the XXXX century of electronic billing. This company also did not take a draft at all in XXXX, I had to mail the payment in. XXXX this premium draft to a third party who does n't provide a legal address or phone number. This jeopardizes my already fragile credit rating and puts my life insurance policies at risk for being disputed. Your attention to this matter is greatly appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-23

San Diego, CA

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

2016-05-23

China Lake, CA

Deposits and withdrawals

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

2016-05-23

Chula Vista, CA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I filed for bankruptcy on XXXX 2014 and included everything debt that I had except for an auto loan I had with Navy Federal as I am the co-borrower on the account. I am still making on time payments on the account. Fast forward to this time, every credit bureau reports that the account is included in my bankruptcy which I and the attorney who filed did not include.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-20

Indianapolis, IN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Navy Federal Credit Union simply dropped the ball on our mortgage, which is but my family in a bad situation and cost me money. Their communication and sense of urgency is simply appalling. We applied for our mortgage three months before closing and had all our paperwork done two months out. During this time I asked for updates and verification that all documents were going to go and I was either ignored, provided a poor update on status, or told yep, it 's all good to go. Come the week of closing they started requesting more paperwork and then tried to place the blame on me, despite them doing nothing for over six weeks. Today ( XX/XX/2016 ) is supposed to be our closing date and as of right now we have no closing date in sight. Timeline of events below : XX/XX/2016 : Initiated mortgage process XX/XX/2016 : Paperwork complete, closed out process with Loan Officer - XXXX XXXX, began working with Mortgage Processor - XXXX XXXX XX/XX/2016 : Additionally paperwork requested - statement of service and intent to re-enlist XX/XX/2016 : Documents provided - no feedback was given XX/XX/2016 : Moved closing date on sale of current home up to XX/XX/2016 at a cost of {$400.00} as I needed to maintain possession through XX/XX/2016. This was done because NFCU instructed me I needed 3-5 between closings due to TRID. Originally scheduled for XX/XX/2016, wanted to do both closings concurrently. XX/XX/2016 : Requested verification docs were correct and verification closing on XX/XX/2016 was good to go XX/XX/2016 : Again, asked for update on status and any issues. Received notice closing date could be an issue, no concerns voiced with any other paperwork. VA to blame for issues ( COE ) with closing date per XXXX XX/XX/2016 : I contacted VA direct. They said they 'd take care of issues. XX/XX/2016 : Update from NFCU, should be able to meet closing date of XX/XX/2016, XX/XX/2016 at the latest. XX/XX/2016 : Statement of service requested again and immediately provided - no feedback was given. XX/XX/2016 : Status update requested by me XX/XX/2016 : New ( and different ) statement of service/pay verification requested, additionally employment information for wife requested, and HUD from closing of current home XX/XX/2016 : Employment info provided and contact for realtor provided ( already previously provided ) to get HUD info XX/XX/2016 : Requested pay verification provided XX/XX/2016 : Provided new closing date of either XX/XX/XXXX-XX/XX/XXXX at the earliest. XX/XX/2016 : Today. Originally scheduled closing date. No one can provide my with closing date. My movers have no where to go because I currently do not own a home, Every time my wife and I have both contacted our l mortgage processor his responses take days, not hours. We 've tried to go above him and contact his supervisor, but he has failed to respond as well. Navy Federal has put us in an overall bad situation because of their shortfalls, but at this point we are stuck with them as there is no time to switch banks without losing our house. Additionally, I 'm out {$400.00} that I did n't need to spend as I moved up the sale of my current home in order to close on my new home today, which will not be happening
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: No Timely Response

2016-05-19

Fleet, VA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I purchased a vehicle from XXXX XXXX in XXXX. I traded-in my XXXX XXXX XXXX. I owed XXXX on the XXXX to NFCU. The vehicle I purchased a XXXX XXXX was sold to me XXXX. XXXX XXXX gave me XXXX for the XXXX leaving XXXX due on the loan. The dealership had me apply for the loan with NFCU. On the Buyers Order the dealer put N/A in the pay off amount. When asked about the N/A the dealership stated that NFCU required it for loan approval. the dealer It then put a XXXX down payment that they never asked for and I never paid. The balance due on the XXXX was XXXX. When I got the check from NFCU it was for XXXX not enough to pay for the XXXX. The dealership demanded that I pay more XXXX more. I did not have it. They said that they would take the kia back and put me in a XXXX XXXX. They said they spoke with NFCU and it was ok. The XXXX was horrible the door would not open the window would not go down and after two months the brake rotors had to be replaced. I do not know how it passed inspection. It failed when I took it for inspection. The XXXX was sold for XXXX. The Buyers Order for the XXXX and XXXX have the same date event though months passed between the two events. The buyers Order also have the same mileage for both cars. I could not get title to the XXXX and when I submitted the title for the XXXX to NFCU they said that it would not qualify for the loan that they made. NFCU increased my interest rate to 18 percent for an unsecured loan. NFCU also told me that the the XXXX I originally purchased with its loan was not in my name it was in the name of another servicemember and had two different member loans on it. How do you lend money on a car you already have a loan on.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-18

Darnestown, MD

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

2016-05-17

Coronado, CA

Application, originator, mortgage broker

Mortgage: VA mortgage

Complaint: I am writing this complaint in reference to my experience in dealing with the ( NFCU ) Navy Federal Credit Union mortgage department in regards to trying to refinance my mortgage home loan with this bank ; I have terrible bad customer service since I started this whole process. I had tried to go through Navy Federal credit union when I was first trying to get my house and the first time I had the same bad customer service I had wrote to the bank president XXXX XXXX about my experience and displeasure and dissatisfaction with the service through the lending department and I received a call from a woman from Navy Federal two weeks after I had sent the letter. I had given her my story of my situation and explained to her that I have not ever expected to be treated so badly in all of my years that I have been banking with Navy Federal and she had apologized and explained to me that should not have happened and highly encouraged me not to get discourage an reapply. I did what she had told me and I wanted to have my mortgage with Navy Federal since I have been with them a long time and I have gotten good service from them ever since I was in the military. When I first began the process with the Navy Federal mortgage department I had again started to get bad service again and the way that I was treated was not so egregious that I had to request to speak with a supervisor and asked to be assigned another loan officer because this person was not proactive and not returning any of my phone calls or answering any of my questions, communication was poor and customer service was horrible. I was assigned another loan officer who I was working with for a short period of time, she advised me that she will be going to another department and that I will be getting another loan representative. I got a new representative and I felt like I was alone in this whole process, the support was n't there. I was the one calling all the time to find out where and how things were going and I was n't getting any of my phone calls returned, at this point I was extremely disappointed because I had given all my financial information and everything that was needed already and I was going through this terrible experience with this institution that I held so highly and referred to as XXXX the best. I believe I was treated rudely and unfairly, I feel like I am being redlined by Navy Federal Credit union and this is totally unacceptable, I believe that when I first complained about the first individual things took a turn for the worse and I was being treated this way for that. I have provided a copy of the first letter that I had sent to the bank president. Navy Federal Credit Union 's mortgage department is not very good at all and especially for veterans which Navy Federal always take pride and says that they are committed to providing quality service and taking care of the member which in this case they have n't and it 's been a total disappointment and let down.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-17

Arlington, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have had my accounts repeatedly incorrectly reported by Navy Federal Credit Union, after I have taken multiple actions through the CFPB, Credit Bureaus and even legal action. They refuse to correctly report information and continue to damage my credit report, in what seems in an intentional way. I had a Bankruptcy that was filed XX/XX/XXXX, at that time navy in terms of my accounts ; closed, wrote off and terminated my membership. The subsequently then continue to report incorrect information, including ; showing the items " included in bankruptcy '' in XXXX XXXX, which is incorrect and severely damaging my credit report. My bankruptcy was indeed discharged in XXXX XXXX, but instead of showing it discharged, they are characterizing it in such a way that appears I am just filing for bankruptcy in XXXX XXXX,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-05-16

Santee, CA

Late fee

Credit card:

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

Disputed: No Timely Response

2016-05-15

Bel Alton, MD

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: No Timely Response

2016-05-12

Washington, DC

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

2016-05-12

San Diego, CA

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

2016-05-12

Washington, DC

Other

Credit card:

Complaint: I had a secured credit card with Navy Federal Credit Union ( NFCU ). I asked to close the account and use my security deposit to pay the account. NFCU did not use my security deposit to pay off the account. The account became delinquent without my knowledge. When I found out about this NFCU made me pay more money and did not remove the delinquent account from my credit file as they promised to do prior to me paying them.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: No Timely Response

2016-05-12

Lexington, KY

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

2016-05-12

Baton Rouge, LA

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: Navy Federal allows real-time transfers from XXXX account to the other. Savings to checking and vice versa is essentially real-time. When making transfers from XXXX to a credit card, it is not real-time. WHY?! I made a {$500.00} transfer on a Friday from savings to my credit card. The funds were immediately withdrawn from the savings but not posted to the credit card. How can some transfers be real-time and others not in the same system. It seems to me that for credit cards transfers that this " Delayed posting '' is a selected specific system setting. I have memberships at several other credit unions ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX and all of those XXXX are significantly smaller in asset size than Navy Fed and they ALL allow real-time posting on ALL products. My complaint is that when Navy does this, funds are removed from my savings account where I begin losing interest immediately yet the post is delayed to the credit card where I am still being charged interest on my balance! If the funds are removed from my savings and not posted to another product, where are they? They seems to be in a " virtual '' status where Navy is not paying interest on those funds and still charging interest on the other account balance. If much smaller institutions have real-time transfers then the largest credit union in the world should as well especially if they have this on other products. If they are doing this to me then what are they essentially earning on those virtual funds when this happens to possibly XXXX of members monthly! When this delay occurs on a long holiday weekend, which becomes a delay from Friday night until the funds are finally posted to the credit card during their " end-of-day '' processing on Tuesday! In short, that is a ton of interest that members are losing and Navy is earning. It almost amounts to double-dipping ; not paying interest on funds they are holding and still charging interest on the credit card balances.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-09

Monrovia, CA

Using a debit or ATM card

Bank account or service: Savings account

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

Disputed: No Timely Response

2016-05-09

Sanford, FL

Other

Credit card:

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

Disputed: Yes Timely Response