NAVY FEDERAL CREDIT UNION

2016-03-29

Rocky Ridge, 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

2016-03-29

Moapa, NV

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: we received in the mail ; Make home affordable which they stated would take almost XXXX what we owed lower house payment to XXXX a month just follow rules on card. You had to be late on home, payment wise it seems this was a scam. So I went to NFCU to try to get home loan caught up. The girl at the bank sat there as we were waiting for a answer, I was also willing to use my paid off XXXX Toyota as collator. As the girl in bank was laughing at what was suppose to be a loan, I was denied. I hope people like her, one day happens to her .It was bad enough to get scammed let alone where you do your banking was just as bad.Dont assume your bank is there to help you. Infact it all started with a complaint against the bank. Someone was trying to use my DEBIT card all over the world, I asked for paperwork on where exactly this happened I was denied.This all started over the theft of Tmobile phone
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-28

Harsens Is, MI

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

2016-03-28

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 explanation

Disputed: No Timely Response

2016-03-25

San Diego, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2016-03-24

Bristol, 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

2016-03-24

Fallbrook, CA

Credit decision / Underwriting

Mortgage: VA mortgage

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

Disputed: No Timely Response

2016-03-24

Barlow, OR

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2016-03-24

Shalimar, FL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: XXXX XXXX XXXX, received debt consolidation loan at XXXX % to payoff high interest loans. One of those high interest loans was to Navy Federal Credit Union ( NFCU ). I had XXXX write NFCU a check for {$32000.00}. On about XXXX XXXX XXXX, I noticed an unusually large amount still in my account. It appeared NFCU has not cashed their check for {$32000.00}. I called NFCU to see what the issue was. The rep stated NFCU returned the check because of an endorsement issue but they have fixed the issue and will apply the check towards the balance. The rep stated I would be getting a letter stating the check was returned but ignore it because they fixed the issue. I checked the next day and just like NFCU stated, check # XXXX for {$32000.00} to NFCU was cashed then returned. I checked NFCU website to confirm it was applied towards the payoff balance -- it was. I did the checks for the mid-month income XXXX XXXX XXXX because the next week I would be in XXXX done. I wrote the final check for {$97.00} to NFCU. Came home celebrated the holidays. Saw a large amount in my account when I was doing end-of-month checks. XXXX XXXX XXXX, I called XXXX and told them about the letter I received from NFCU. The XXXX rep stated NFCU still has the check. I checked NFCU website -- It stated the loan was paid off in full. That meant that XXXX must have credited my account instead of debiting my account or they have not posted it yet or whatever. I transferred a large amount to the saving account because they are connected. So XXXX can claim the money anytime they wanted. On XXXX XXXX XXXX, I received confirmation the loan at NFCU was paid off. Presently, forgot about the whole situation, that is why I take a lot of notes. So when XXXX take the money or call me about it, I know why. On XXXX XXXX XXXX, I tried to withdrawn {$100.00} from my NFCU account. I could not. I assumed it was because of the reported fraud. I went home to pick up brochures for a campaign and out of the blue NFCU calls me talking very fast. Basically telling me I owe them some money for some reason, and asking how do I want to pay. On XXXX XXXX XXXX, I called NFCU to get the particulars. The phone kept transferring me so I waited for the NFCU to call me back at XXXX as the rep stated because she did not have all the information, it was just dropped on her desk. I did not like that NFCU 's first inclination was to take all my money when it was so easy to see that I pay my bills on time. I have not been late on a payment to any organization for at least the last 12 years and have very good credit.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2016-03-23

Hiram, 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

2016-03-22

Chesapeake, 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

2016-03-22

Ft Belvoir, VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I was informed under the MIDS program in XXXX, VA, that the mortgage loan granted by Navy Federal Credit Union was invalid due to the restrictions on my deed. XXXX took the loan off the books and did not notify me of this action. In trying to do a modification on my XXXX note, it was discovered that the lien was not removed. I made a request that because of XXXX illnesses it would be extremely helpful if they would release the lien. Especially since it was invalid. I got no response so I submitted a QWR request. Again no response, so I wrote a letter to the head of mortgage loans, a XXXX XXXX. After two weeks I submitted a second letter and still no response. Since this time, one of the owners health has turned grave and it is of the most importance that we settle this as soon as possible.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2016-03-21

Greenwd, IN

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

2016-03-21

Norfolk, VA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: One year ago I used Navy Federal Credit Union to finance my first vehicle. I purchased the vehicle from a small dealership, XXXX XXXX in XXXX XXXX Virginia. At the time of the purchase the vehicle was worth {$8700.00}. The dealership provided a XXXX but my copy did not have the value of the car listed. The vehicle was financed by Navy Federal Credit Union for XXXX at 9 percent. NFCU financed XXXX percent of the fair market value of the vehicle. NFCU allowed me to purchase a vehicle with over {$4000.00} in negative equity. I went to NFCU to apply for refinancing of the vehicle and was told that I could only refinance if I paid down and additional {$2000.00}. Why was it ok for NFCU to finance me into a vehicle that had over {$4000.00} in negative equity and now that I have improved my credit with regular payments for a year and want to refinance they demand an additional {$2000.00}. Why is it ok for a lending institution to finance a car for so much more than it is worth. I thought that a credit union called Navy would look out for me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-15

Edison, NJ

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

2016-03-15

Cheverly, MD

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 non-monetary relief

Disputed: No Timely Response

2016-03-14

Washington, DC

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

2016-03-14

Chula Vista, CA

Billing disputes

Credit card:

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

Disputed: No Timely Response

2016-03-14

Santa Ysabel, CA

Credit decision / Underwriting

Mortgage: VA mortgage

Complaint: We applied for a VA loan with Navy Federal Credit Union. We went under contract and had XXXX days to remove a funding contingency. The credit union told us, our realtor and the seller 's realtor that we were approved for the loan. Then one week before closing the credit union changed their decision and pulled back the funding approval. The reason given was we do n't have employment in the state where the property is located. XXXX XXXX is the day we are bound by contract to close on the loan. It is the seller 's intentions to take a our {$4000.00} earnest money down payment. My husband and I have both served this country for XXXX XXXX years of service and never thought we would be treated this way by a financial institution professing to support military members. For a week now we have been trying to get the credit union to help us get our earnest money back and they wo n't even answer our phone messages.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-14

Montgomery, AL

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: Hello, I openened a personal loan w/Navy Federal In XXXX w/ credit life added in case you become XXXX through no fault of your own and ca n't pay, XXXX diligent ly until I was removed from work by my physician XXXX, I continued to have problems mos after accident off work 29 days initially mos later off for 1 1/2 mos, Navy Federal was informed of same fully aware my loan had this extra coverage attached, I filed all paperwork within their time frame and before 60 days past due, thinking it was covered, I was harrased, authorized users on my account were called, I had a family member w/ a considerable amount in their account and was asked to borrow from them I made arrangement to pay remaining balance and when I asked for payment history I was told they did not have it, also requested receipts they refuse, when I informed them according to my records I had paid the amount w/ interest as agreed, but late due to their failure to honor claim, I WS informed of " late fees '', loan was paid in full XXXX, when I informed them any further payments would be made only w/ a payment history and reason for any remaining balance, customer service clerk became irate and informed me I was not getting any receipts or records, I then informed him any further payments will only be paid after I received a history of this account, my family member informed me money was taken from their account, but they removed all remaining monies from their account on XXXX I deposited XXXX in my account 2 days XXXX was removed, no one could tell me where, why, finally I was informed it was placed on a " loan charge off '', I spoke w/ someone in that dept only to be spoken to very rudely when I inquired about the amount and removing money from my savings account I was in informed they would not be sending any records of payment made in full and monies removed from account, I called back 5 min later and spoke w/ another CSR who was awesome when I explained hx of loan also amount was suppose to be covered by credit life policy she stated someone placed in file it was not received on time, but I was informed it was received in time, also informed any remaking amounts were disputed at the time due to refusal of navy federal to provide an account hx and payment record, she then informed me the amount they claimed was " charge off '' was XXXX ( and change ) not XXXX removed from my savings she went on to say she had taken matter to her supervisor for review and would get back w/ me in 3-5 days, I only found out the money was missing due to fact on XXXX/XXXX/XXXX I was there to make XXXX withdrawal from my savings account, this was money to pay my doctors and medical expenses, also funds were from std policy, I have been recently diagnosed as legally XXXX, I requested in XXXX a hx and was refused, the amount stating I owe is very questionable, I do believe the claim was submitted and loan paid, that 's why there are n't any " records '' they can provide, I believe they got paid twice, from me and the credit claim, since XXXX/XXXX/XXXX my accounts have been locked, after I spoke w/rep to confirn my account this is not coincidental, they seems as though they do n't want me to know what is going on with this " charged off '' account,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-13

San Diego, CA

Unsolicited issuance of credit card

Credit card:

Complaint: My husband and I have had the same ( nRewards VISA ) joint credit card account with NFCU for over 20 yrs ( expiration date XX/XX/XXXX ). XX/XX/XXXX, he received a notice by mail from NFCU 's VP of credit cards ( XXXX XXXX ), saying that he had been selected for an automatic upgrade to a " VISA Signature Go Rewards Card '', and to expect it soon, in the mail. Two days later ( XX/XX/XXXX ), we received the new cards ( also with the expiration date of XX/XX/XXXX ) -- The account number under his name was still the same, as our current VISA. But the card issued in my name held an entirely new account number. Is it legal to reissue a new set of cards when we did n't ask/apply for them? The 'upgrade ' seemingly changes us from a joint account, into XXXX separate ones ... and the APR terms are slightly different from our current VISA. We received mailed paperwork applications for this new card in the prior months, but we declined the offers. This seems like fraud to me, even though it 's being issued from within our credit union. This should never have happened.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-03-11

Nyc, NY

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I went into the Navy Federal Credit union on Monday, XXXX XXXX, XXXX and discovered {$4800.00} was taken from my bank account. After a spent 4 hours going round and round in a circle, I was informed that collection removed the funds from my account due to a charge off account for a bad check in XXXX. When I asked for document required this i was told that if is Navy Federal Policy and there was no statue of limitation for their actions. To my understanding this account was paid in full. I asked for documents and to this day I have not received anything.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-03-11

Ft Belvoir, VA

Deposits and withdrawals

Bank account or service: Cashing a check without an account

Complaint: My ex-husband forged my signature, deposited a check from the XXXX with XXXX our names on it ( after changing the mailing address with the XXXX to his own personal apartment where I have never resided ) and he cashed and deposited our joint check at Navy Federal Credit Union without my knowledge or consent. I was not present when this check was forged and deposited, I did not sign this check, nor did my ex-husband have my ID or permission to do this - Navy Federal to the best of my knowledge did nothing to prevent this from occurring. I have called and visited Navy Federal Credit Union and spoken with numerous representatives there and no one can confirm what their policy and protocol is to prevent such things - XXXX representative at the XXXX branch of NFCU said their policy is to have XXXX named individuals on the check present when the check is cashed and/or the person depositing the check has to have the other person 's ID with them if the other person is not present - neither of these things occurred when my ex-husband forged my name, cashed and stole this money from me at Navy Federal Credit Union. I called and spoke with a representative at NFCU 's Fraud Department and another in their Security Divisions, and they said this is not their policy ; there is a real lack of consistency within Navy Federal to even define what their policy is and how they prevent such things ; I do n't think they know as evidenced by how they have handled this situation. There is a significant lack of care, compassion, security and dedication on Navy Federal Credit Union 's behalf to 1. prevent 2. correct such actions from occurring. What my ex-husband did was a crime and Navy Federal Credit Union did nothing to stop him and facilitated him more or less in doing it by not having stricter enforcement ( or perhaps even any policy to begin with ) that prevents such things from occurring.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-03-10

Vista, CA

Other

Credit card:

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

Disputed: No Timely Response

2016-03-08

Excel, AL

Deposits and withdrawals

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