NAVY FEDERAL CREDIT UNION

2016-02-22

Alexandria, 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

2016-02-22

Alvin, TX

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2016-02-21

Salton City, CA

Application, originator, mortgage broker

Mortgage: VA mortgage

Complaint: VA Loan for Veteran. Mortgage loan application was submitted for credit approval only on XXXX XXXX. We asked the branch manager to submit the file to underwriting as we knew we were going to have a 30 day closing. We provided all income/assets/credit documentation. Including my XXXX form, my parole in place, Social security card. We found a house XXXX XXXX, I asked the Loan officer to please submit my application and provide the disclosures needed to start the process, the day I found out they never submitted the loan for underwriting approval, I requested for my information to be submitted as soon as possible. on XXXX XXXX I was told the only items needed for final approval/clear to close was the appraisal report and the termite report, they both came in the same day. on XXXX XXXX the processor called saying they needed a copy of my XXXX, I told her that my legal status did n't required a visa. provided the documentation my attorney gave me and asked for them to call XXXX, I was told VA had this requirement. I called VA in AZ who handles CA VA Loan approval. I was told that was n't true,, the underwriting representative told me that VA only requires for the spouses income to be stable, that VA loan was mean to help the veteran. I spoke with the branch manager and loan processing manager, I was told by them that it was a Navy Fed Credit Union. They had my file for over 40 days, my rate was locked and now I 'm they denied my loan since I cant provide this " XXXX '' that I do n't have. XXXX asked me to ask them to call them to verify the information, they would n't do anything extra to help. I feel they waste all of this time, lowered my fico score from running it so many times and now I have to look for a new lender pay a higher interest rate and fees. Should n't they have checked this before? my loan application clearly disclosed this information, I provided copies of all these docs. I asked multiple times if they needed anything else from me. Can you provide give us some advice? This seems very unfair for a applicant and up to a certain point discriminatory as I 'm allow to work in the USA, I have since I was XXXX I 'm now XXXX the close of escrow is XXXX - this house was the perfect house for my husband who is XXXX, the owner had already set up the house for a XXXX person. We do n't want to lose this house. any help will be appreciated Thank you XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-02-19

Jupiter, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Re : Navy Federal Account Since the inception of my account with Navy Federal, I have had a myriad of issues, stemming from incorrect financial information provided to me by supervisors and representatives, the credit unions consistent practice of failing to provide full disclosure of information, excessive & inaccurate overdraft fees, promises to provide me an account audit ( per my request last year ) which has never occurred, the credit unions inability to provide proactive alerts aligned to transfers ( those approaching XXXX of XXXX a month ) which will render fees associated via their email system to members, and my account set up incorrect initially. When I first initiated the account, it was placed under the incorrect social security number and it took several calls and a supervisor 's intervention to correct my account ( XXXX XXXX XXXX, XXXX ). Since this time I have been overcharged $ XXXX/ $ XXXX/ {$80.00} fees due to Navy Federal 's practice of a XXXX transfer limit per month, in essence, although the account holder such as myself may have funds in their savings account, the credit union will not bring these funds over to the checking account to cure any deficit if the account has had XXXX transfers per month which includes " fund '' transfer ( which the credit union does and I have just been recently advised this information '' and/or transfers that I conduct via mobile phone or via a teller. I was recently told on XXXX/XXXX/XXXX by a supervisor that XXXX at ext XXXX that Navy Federal 's mobile app does not provide " real time and accurate information. '' As a result ( per me ) the consumer is postured in a place of vulnerability in their quest to appropriately manage their accounts due to this inaccurate information. Furthermore, the consumer is not made aware via emails, inbox messages or documents that the consumer signs that the account information provided via the mobile app is inaccurate-hence no buyer beware practices are in place with Navy Federal. On last night I spoke with a supervisor XXXX who after I transferred over {$800.00} from my savings account to my checking account and addressed a fee of {$60.00} ( overdraft ), I specifically ask him would I be charged any additional fees and he stated " no '' only to find an additional {$60.00} overdraft fee charged this morning on XXXX/XXXX/XXXX but did not reflect via my app when he and I hung up the phone. As a member who has {$14000.00} in their saving account with Navy Federal, but upwards of {$20000.00} previously, I find Navy Federals fiscal practices to be alarming, misleading, and boarding on fraudulent. I have ask for the matter to be escalated to the corporate escalation team and was apprised most recently by " XXXX '' on yesterday that this team does not exist and that her supervisor was absent until XXXX/XXXX/XXXX. Hence, no immediate remedies are afforded to members to address their concerns. On XXXX/XXXX/XXXX at XXXX XXXX. I spoke with XXXX in the customer resolution department regarding my concerns hence, I know this department exists. I have been provided inaccurate forms when fraud occurred on my account in XXXX by branch and phone reps. Which was not handled in a timely manner causing a check to migrate to the State Attorney 's office. Persons involved in this matter were XXXX, and others around XXXX/XXXX/XXXX. I am requesting overdraft fees which were charged to my account inaccurately dating back to XX/XX/XXXX-XX/XX/XXXX and the {$60.00} which was recharged to my account on yesterday ( XXXX/XXXX/XXXX ) after speaking with XXXX ( a supervisor ). I surmise the total fees owed to me is {$480.00}. This matter has impacted my XXXX year old XXXX daughter child support funds, as a single parent this has created a burden. It has taken me multiple calls to Navy Federal even at work on my lunch break and on the weekend. XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-18

El Mirage, 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: No Timely Response

2016-02-18

Jacksonville, FL

Payoff process

Credit card:

Complaint: I set up a settlement agreement with NFCU and they told me upon completion of my settlement arrangement that they would remove it OR report it as a XXXX balance settled for less than the amount owed on my credit report. They removed the trade line from my XXXX report completely but they have simply lessened the amount owed after I paid them and not closed the account and removed it OR reported it as a {$0.00} balance to XXXX or XXXX as promised in my settlement agreement with them. The balance should either be {$0.00} or they should remove it completely to the other credit reporting agencies as well.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-02-18

VA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Navy Federal Credit union preauthorized transactions that closed my account. Today as of XXXX/XXXX/2016 I went into the Navy Federal Credit Union to cash a check from another account holder and they refused to cash the check when I am not an account holder by announcing my name so loudly I was embarrassed and stated they would not cash a check from any account holders which was not my account due to in past 6 years or more allow preauthorization transactions to over drawn account ; closed account 6 or more years. I only had bank check from another consumer written to me from their account to cash.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-17

Bosqueville, TX

Communication tactics

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

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

Disputed: No Timely Response

2016-02-17

Winchester, VA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2016-02-17

Winchester, VA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2016-02-17

VA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I have XXXX and XXXX mortgages with Navy Federal Credit Union which I have been paying late for over a year after I fell behind for several months in XX/XX/XXXX. I submitted borrower response packages in XX/XX/XXXX requesting modifications on XXXX mortgages. I was offered a modification on my XXXX mortgage on XXXX XXXX XXXX, but not on the XXXX mortgage. During the same time period Navy Federal asked me to submit another borrower response package for the same mortgages. I submitted another response package on XXXX XXXX. I called Navy Federal on XXXX XXXX and told them I was unsure of what was going on with the modification. I did not understand whether I needed to accept the modification offer on the second mortgage in XX/XX/XXXX or wait for them to finish reviewing the borrower response package I had just re-submitted for XXXX mortgages. I scheduled the payment for my XXXX mortgage on XXXX XXXX but I did not schedule a payment for the XXXX mortgage because it sounded like I should wait for a call on the borrower response package. On XXXX XXXX I was contacted and asked for more information for the borrower response package, which I provided. Navy Federal asked me for additional information on several more occasions up until XXXX XXXX. I received XXXX letters in the mail on XXXX XXXX. XXXX letter from Navy Federal dated XXXX XXXX telling me my borrower response package was now complete, a second letter asking me to fill out another borrower response package to avoid foreclosure, and a third letter from an attorney dated XXXX XXXX explaining they were being instructed by Navy Federal to " commence foreclosure '' on my home. I am extremely confused and beat down by all of this. I have been paying my mortgage. I paid it on time for over 10 years until I fell behind. If this is true and they are foreclosing on my home over a misunderstanding I really need help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-02-17

Bowie, 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

2016-02-14

WI

Application processing delay

Credit card:

Complaint: the credit card issuer navy federal fabricated the credit card credit amount which was maxed out based on revenge for filling prior complaints regarding fabricated credit by navy federal and their agents and associates in fact. navy federal futher failed to return fraudulent payments of XXXX to a va inspecter related to the home mortage at XXXX. navy federal failed to pay back fraudulently stolen money from I pay global of over XXXX dollars I filed a fraud complaint regarding navy federal fabricated prior credit denials for mortgage on XXXX XXXX XXXX. my home XXXX XXXX which was corrected after my initial ftc complaint. then let the mortgage run out claiming my name was un would not be accepted by them as grounds for no va loan but my name was registered at va as such when done. also their agents refused to give me pr proper answers to questions regarding an inspection by a home inspector. this droping of the mortgage application by fraud of nfcu is used by them to now claim my fault credit card dbt high is my fault when theirs for fixing credit and mortgage application denial and denying subswquent XXXX on bad creted nfcu manufactured with prior budys at credit bureaus and others. futher the fabricating of credit by nfcu is equal to or higher than what is claimed owed on fabricated credit card debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-13

IA

Credit card protection / Debt protection

Credit card:

Complaint: Submitted multiple complaints that all were decided in the consumers favor as Navy Federal continues to disregard original guidance and decisions from CFPB.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2016-02-13

Jacksonville, NC

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2016-02-12

Boca Raton, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2016-02-11

Alexandria, VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2016-02-11

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

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

Disputed: No Timely Response

2016-02-11

CO

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I had a successful Navy Federal Credit Union account from XXXX to XXXX. Unfortunately I fell victim, and prey to identity theft, which my accounts closed, inactive, dormant. My line of credit was terminated and moved to consumer loans in the amount of XXXX, and my credit card maxed out to XXXX as a charge off. Due to this mishap, and veteran identity was compromised from my access # XXXX the only remaining account is my savings where I can deposit money in the account only with no access to other accounts. A representative made contact with NFCU Security where I have a level XXXX on my so called delinquent accounts since XXXX/XXXX/XXXX. Navy Federal Credit Union sold my accounts to XXXX XXXX, and also to XXXX XXXX. I think I disputed these companies in the past with no such luck until I came across CFPB.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-10

Morgan, GA

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: No Timely Response

2016-02-10

Wadsworth, OH

Application, originator, mortgage broker

Mortgage: VA mortgage

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

Disputed: No Timely Response

2016-02-09

Wdbg, VA

Application, originator, mortgage broker

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2016-02-09

Burkburnett, TX

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: got this in my e mail XXXX to go to the savings acct nothing states on approval, I was review for XXXX 5 yrs heard nothing Navy Federal & XXXX ; XXXXXXXXXXXX & gt ; To XXXXXXXXXXXX XXXX XXXX at XXXX You 're invited to apply for an auto loan! View in Browser Navy Federal Credit Union Navy Federal Security Zone Email for XXXX XXXX XXXX Get Going in a New Car! Remember! Apply for an auto loan at low, competitive rates and buy the car you 've been dreaming about. APPLY TODAY Celebrate 2016 With a New Car! . Save with our Auto Buying Program Get low, established pricing and a stress-free buying experience on your next auto, motorcycle or powersport vehicle! LEARN MORE Save with our Auto Buying Program. Refinance and get {$100.00}! If you did n't finance your auto loan with Navy Federal, now is your chance! Refinance your current auto loan from another lender and get {$100.00}. * LEARN MORE Refinance and get {$100.00}! Products & Services FAQs Mobile Banking Branches & ATMs Contact Us FB TW Please do not reply to this email. This email is being sent from Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX. For contact information, or if you have any questions about this email, please contact us or call XXXX. EHL Equal Housing Lender | APY= Annual Percentage Yield | APR= Annual Percentage Rate. ( C ) 2016 Navy Federal Credit Union. All rights reserved. Message and data rates may apply. Terms and Conditions are available. NFCU XXXX ( XXXX ) Important information about online security. Federally insured by NCUA. Unsubscribe | Privacy Policy *Existing Navy Federal loans are not eligible for this offer. You must make your first scheduled payment in order to receive the offer. {$100.00} will be credited to the primary applicant 's savings account between 61 and 65 days of the loan origination date. If the auto refinance loan is canceled or paid off in the first 60 days, the {$100.00} offer will become invalid. Recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive. Navy Federal & lt ; XXXXXXXXXXXX & gt ; To XXXXXXXXXXXX XXXX XXXX at XXXX You 're invited to apply for an auto loan! View in Browser Navy Federal Credit Union Navy Federal Security Zone Email for XXXX XXXX XXXX Get Going in a New Car! Remember! Apply for an auto loan at low, competitive rates and buy the car you 've been dreaming about. APPLY TODAY Celebrate 2016 With a New Car! . Save with our Auto Buying Program Get low, established pricing and a stress-free buying experience on your next auto, motorcycle or powersport vehicle! LEARN MORE Save with our Auto Buying Program. Refinance and get {$100.00}! If you did n't finance your auto loan with Navy Federal, now is your chance! Refinance your current auto loan from another lender and get {$100.00}. * LEARN MORE Refinance and get {$100.00}! Products & Services FAQs Mobile Banking Branches & ATMs Contact Us FB TW Please do not reply to this email. This email is being sent from Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX. For contact information, or if you have any questions about this email, please contact us or call XXXX. EHL Equal Housing Lender | APY= Annual Percentage Yield | APR= Annual Percentage Rate. ( C ) 2016 Navy Federal Credit Union. All rights reserved. Message and data rates may apply. Terms and Conditions are available. NFCU XXXX ( XXXX ) Important information about online security. Federally insured by NCUA. Unsubscribe | Privacy P
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-08

Springfield, VA

Billing disputes

Credit card:

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

Disputed: No Timely Response

2016-02-08

Wdbg, VA

Application, originator, mortgage broker

Mortgage: Other mortgage

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

Disputed: No Timely Response