NAVY FEDERAL CREDIT UNION

2016-05-09

Upland, 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 monetary relief

Disputed: No Timely Response

2016-05-07

Falls Church, VA

Cash advance fee

Credit card:

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

Disputed: No Timely Response

2016-05-06

Burkburnett, TX

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: Yes Timely Response

2016-05-05

Ernul, NC

Balance transfer

Credit card:

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

Disputed: Yes Timely Response

2016-05-05

Chula Vista, 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

2016-05-05

Harvey, LA

Closing/Cancelling account

Credit card:

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

Disputed: Yes Timely Response

2016-05-04

Co Spgs, CO

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 monetary relief

Disputed: No Timely Response

2016-05-04

Chula Vista, CA

Delinquent account

Credit card:

Complaint: Hello. I am submitting a complaint about Navy Federal Credit Union. I was XXXX majority of last year and was highly unable to handle my credit card bills due to bad bandwidth and our location restricted me from having internet access. I was unable to pay my bill so they ended up closing my account with sending me any notices, along with closing my account with them. Now I am paying on a credit card that is supposedly closed but I am still paying on it. I would like the late payments removed or the entire credit card reopen. if not, removed entirely. I never received any notices while underway.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-03

Santa Ysabel, CA

Application, originator, mortgage broker

Mortgage: VA mortgage

Complaint: I submitted a dated written statement that described the emergency, specifically modified the waiting period from three days to two hours with my signature as the sole primary liable on the legal obligation in accordance with 12 CFR 1026.19 ( f ) ( 1 ) ( iv ) " Consumer 's waiver of waiting period before consummation '' to Navy Federal Credit Union regarding mortgage loan XXXX. Navy Federal Credit Union refused to recognize my legal right to modify the waiting period resulting in the fruition of the emergency I was trying to avoid. Their refusal to acknowledge my consumer right directly resulted in a bona fide personal financial emergency coming to fruition.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-02

Leon Valley, TX

Billing disputes

Credit card:

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

Disputed: No Timely Response

2016-05-02

San Jacinto, CA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: My card was lost and I reported it missing with my bank. They did an investigation and first gave me the payment then made a decision to reverse charges. These are charges that I did not make during the time my card was missing.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-28

Coopers, LA

Credit card protection / Debt protection

Credit card:

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

Disputed: No Timely Response

2016-04-28

Scottsdale, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I had applied, and received a loan for a used vehicle from Navy Federal Credit Union. My wife had set up automatic deposit thru work payroll. Our first payment was split between XXXX different pay periods from my wife 's employer. The first half was received before the first initial payment was due. I, unfortunately, did n't realize that the second half, of the first payment, was going to be XXXX day late. I then received a notice in the mail about potential late fees and possible implications to my shares in our account. The payment had already been completed. There was n't even a XXXX day time period, before the notice was mailed out. Our credit worthiness is outstanding, and I ca n't believe that this was mailed out so soon.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-28

Cordova, TN

Delinquent account

Credit card:

Complaint: erroneous information about a credit card debt from a credit union
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-27

Mangonia Park, FL

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-27

Temperanceville, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: The XXXX XXXX union cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect my credit, the credit union is during nothing to correct the issue other than emailing every day and not the affected company 's XXXX fit the problem
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-04-27

Jacksonville, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I deposited a check at Navy Federal of {$2100.00} from XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016 Navy Federal released the funds for availability. On XXXX XXXX, 2016 Navy Federal adjusted the {$2100.00} resulting in my account being overdrawn, so I called them and they explained to me the check was not authorized by XXXX. I contact the check writer, XXXX XXXX XXXX XXXX, and they showed proof that the check was withdrawn from their XXXX account and they were never credited back. Navy Federal is stating that XXXX did n't authorize the transaction but XXXX is stating they released the funds and never received them back. My account is still not resolved several days later and I have n't been able to take care of an overdue car note because of this issue. Navy Federal needs proof from XXXX that the money was withdrawn from their account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: No Timely Response

2016-04-26

Cedar Grove, LA

Payoff process

Credit card:

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

Disputed: No Timely Response

2016-04-26

Buckeye, AZ

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

2016-04-26

Buckeye, AZ

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: Yes Timely Response

2016-04-26

Pinellas Park, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I had a debit disputes that I lost. The agreement between XXXX XXXX ( navy federal debit disputes supervisor ) and I was that nfcu would debit my account on the first of every month for 4 months in the amount of {$290.00}. They took the money on the first the last two months but bothe times ALSO debited my account for the same amount on the XXXX. It took me 2 weeks of voicemails on the supervisors phone line in order to have it reversed. She did promptly reverse the charge from the XXXX last month. This time around I have been calling and leaving voicemails but have not heard back. This has created a negative financial situation for my family of XXXX since we were not 3xpecting to have to deal with this problem again. Because of the delay in response from the supervisor, I have had to borrow from friends and family to make it until the first. The bank supervisor is bullying me, and when I ask to speak with anyone else who has more authority, I am told that only XXXX has the notes for my particular situation. Please help as I can not imagine going through this again these next two months.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-22

Wildomar, CA

Other

Credit card:

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

Disputed: Yes Timely Response

2016-04-22

Garrett Park, MD

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I applied for a mortgage with my wife and son as co-borrowers, Navy Federal had reviewed my credit report, bank statements and pay stubs and issued a pre-approval. When I had a ratified sales contract and the loan was processing, few questions came up regarding a property I had in the past. Navy Federal delayed my process for about two weeks and all they said was " we are verifying information '' finally we were a week from closing and since we were n't getting any response I had to get my nephew involved. My nephew used to work a t NFCU and he was the person that referred me to them so I gave him permission to speak on my behalf and try to find out what the issue was. He was not getting a response from processing so he provided us with a few emails from the company 's executives. Finally my nephew spoke to XXXX XXXX who asked if we had had a property in the past which was odd because I had been told by the processor during the process of the mortgage that XXXX XXXX was incorrectly reporting information about my social # so obviously we had a property in the past, it was on the credit report. XXXX then asked the disposition of the property and my nephew told her it had been sold as a short sale around XX/XX/XXXX/XX/XX/XXXX ( did n't have the exact date at that time ) but knew that our waiting period had definitely already past. XXXX then told us that the credit bureaus were not reporting accounts that I previously had in the past. WE asked her several times to please assist and let us know what accounts she was referring to but all XXXX said is to call the Bureaus. From the beginning of the application process, we had explained NFCU that I had been in this country for about XXXX years and paid taxes every year under my TAX ID and recently had obtained my green card and social security ( not sure why this was a surprise later on ). Called all XXXX credit bureaus and were told that the information they had was correct, we even uploaded a copy of our green cards/social security cards to verify our identities. XXXX refused to move our file along because she stated NFCU did not have a " true '' FICO. We explained to XXXX we do not control nor have ANY WAY of manipulating the credit reports, we had call all XXXX Bureaus and asked to update any accounts under our tax XXXX if any and they stated the credit bureaus do not only report information based on SSN but also based on address, dob and names. At this point after several weeks of trying to get the matter resolved and a few days from our closing date, XXXX asked to call the Bureaus ONE more time and get the employee XXXX that we spoke to and requested the information to be updated. ONce again we called and gave XXXX this info- XXXX XXXX employee ID XXXX, XXXX XXXX employee ID XXXX and unfortunately XXXX did not want to give out this info, at the same time we again explained XXXX that all XXXX bureaus were saying the exact same thing NOTHING TO UPDATE, she refused to help us with putting us in touch with a department in any of the bureaus that will assist us with getting this fixed. The bureaus also agreed with us that we HAD NO power to manipulate any of this, if that is what NFCU was thinking. After all the hope XXXX XXXX had given us and made us go through, NFCU DENIED the loan on basis of " unverifiable information '', we feel that this does not meet a true denial of a loan. We had provided ALL documentation requested, transcripts, bank staements, IDs, green cards, SSN cards, XXXX, pay stubs, rental information etc and all these documents are 100 % verifiable. We are still fighting to get our earnest money deposit from the seller and were put in a position with our landlord since we had to stay in the property after all. NFCU needs to elaborate on what documentation was not verifiable because we offered everything in our power to help NFCU with the process. NOTE : This is a brief expl
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-20

Upper Marlboro, 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

2016-04-19

Capitol Heights, MD

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: Navy Federal Credit Union is charging for a loan that I did not co- sign for ... they refuse to show the promisory note of the loan loan #. I contested the loan back in XXXX ( see attach letter ) They the credit reporting agency XXXX took it off. then they have put it back on I an not responsible for this loan. I filed an earlier clam, case # XXXX,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response