NAVY FEDERAL CREDIT UNION

2016-01-24

San Antonio, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Navy Federal Credit Union ran my credit last week without any permission from me! I have open disputes with them and they ran my credit without any authorization from me! They DO NOT have my permission to ever run my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-22

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

2016-01-22

Cheverly, MD

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: I submitted application for an equity line of credit to Navy Federal Credit Union XX/XX/2015. I requested {$120000.00} to renovate my home. After submitting all documents I was told that I would settle by XXXX. The appraiser came out and asked did the lender know the amount of work you needed done? I said yes, that is why I asked for {$120000.00}. I started demonishing it myself but it was to much for me. The Appraiser said he would not be able to do it then and needed to talk to the lender. A week later the appraiser arranged to come back out. He was told to proceed with the appraisal. The XXXX asked for a contractors bid to do the work and I gave him the first written estimate that I received. I received estimates from at least XXXX different contractors but they were initially verbal. The estimates ranged was {$80000.00} to {$190000.00}. The lender called and needed to verify my insurance as XXXX XXXX so I bridged Navy Federal Credit Union with XXXX XXXX at which time they verified my insurance. Navy Federal asked them to place Navy Federal Credit on my policy and they requested the declaration page showing them on my policy be sent to them. I asked does this mean I have the loan and I was told, '' yes ''. I received voice messages on my phone days later from my loan officer asking me to call him. I was in school and after seeing four calls from him was able to manage a few minutes to return the call. I was told the money would be AVAILABLE after the work was done. I went to a local branch of Navy Federal Credit Union and spoke to the mortgage contact their who made a call to the equity group. I took the copy of the appraisal with me and initially the local contact saw what I did. The appraisal with value on the front page and then confirmed again on the second page. I sat in front of her as she talked to the person on the other end of the phone line. She was flipping through the appraisal and said " Oh, I see it now '', She then told me the appraiser wrote it up for me to get the money after the work was done and the value was only {$100000.00}. I stepped out of her officeand called the appraiser on the phone. He answer and I explained who I was and that Navy Federal said I would get the money to renovate after the work was complete. The appraiser explained that Navy Federal told him to write ithe appraisal up that way. This was being stated as I sat back down in the Navy Federal 's person 's ( Ap 's ofc. She shouted out we did not and would not tell you how to write the appraisal. The appraiser asked who are you and she told him. His reply was that she should not be talking to him. She walked out and came back to her ofc where she left me about XXXX min 's later with the approval letter in the amount for {$120000.00}. I contacted the manager of my intake worker who said he would see if anything could be done for money now and he would get back to me. He contacted me and asked if I had disclose initially the amount of work needed? I replied again, yes and why else would I need {$120000.00}. The manager then said he would have to check with his manager and nothing further was done. I got a call a week after that and it was the initial contact person with Navy Federal asking me to provide my XXXX. I said that I provided my taxes and it was a discussion for the next level which he was also aware.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-01-21

NC

Communication tactics

Debt collection: I do not know

Used obscene/profane/abusive language
Complaint: navy federal credit union has been reporting information that was previously deleted on my credit file the information was attached to fraudulent activity in the year of XXXX no reporting or any validation of debt letters was sent to my addresss and then admititted thru phone conversations that they did not have the right address on file and still continued to report the information after me giving notice in writting as well as verbal communication to there recovery department then on XXXX/XXXX/XXXX reaged the information and reported it to XXXX as if the information had been reporting the entire time on my credit file. I had a converstion with a XXXX XXXX in there recovery department where i was rudely talk to as well as hung up on in my attempts to try and resolve the issue i also spoke with another coworker of the supervisor by the name of XXXX who was also a supervisor alerted her to the issue and told her that i have written in and called on several occaisions trying to get the matter resolved only to be told that there was no way that the information would be removed even if there where violations under my states fair debt collection pratices act and all informaation that they are reporting will stay the same even if i dont think its fair. Aftrer requesting to speak with the director by the name of XXXX XXXX i was told that no one there will be able to handle the issue and that i needed to put everything in writting again which i did and no one contacted me back. also there was no mention that they where seeking to collect on a debt that they had charged to profit loss without giving any notice that it was there intention on collecting on a debt and that it was in leiu of the communication. Also the account does n't belong to me as the account number doesnt even exist in there records but are still reporting the information after being communicated with knowingly that the information is wrong and that it was in violation of my consumer protection rights. After calling back to try and create a resolution i spoke with another worker by the name of XXXX and was flat out accused of lying and she accused me of commiting a creime acting in the capacity of an goverment official and that i was harassing them and that if i called back again they where going to get me arrested. Also the accounts that they are reporting in my name does not even exist which if there saying that they know the information as being accurate even though the information is not in there system. and the accounts there reporting doesnt exist.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-20

Chicago, IL

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

2016-01-20

ND

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: Navy Federal Credit Union is refusing to provide monthly statements for our mortgage because we declared Bankruptcy in 2009. We did not default on our mortgage during the bankruptcy and have continued to pay in full and on time throughout the life of the mortgage. We are now expected to blindly pay our mortgage without knowledge of our principal balance, interest rate, or current payment amount.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-19

Howell, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with non-monetary relief

Disputed: No Timely Response

2016-01-19

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

2016-01-19

San Antonio, TX

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

2016-01-15

Vancouver, WA

Other

Credit card:

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

Disputed: No Timely Response

2016-01-15

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

2016-01-14

Lawrenceville, GA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: My bank, Navy Federal Credit Union, has charged me for " XXXX NSF/Return Check Fees, '' totaling {$110.00}. I called and disputed these fees, as they were debit card transactions, and not bank, or check drafts. Also, I was denied the right to opt-in, by the bank, several years ago, and have not opted-in, for overdraft protection. My bank has also, manipulated my posting transaction ( Debits ), so as to cause these overdrafts. With the first overdraft, I initially had sufficient funds to cover the first debit, which cause the initial overdraft.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-14

Gloucester City, NJ

Problems when you are unable to pay

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2016-01-13

Pikeville, NC

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I purchased a cashiers check to secure a rental home for my family. After the funds were sent but before the check was processed, I was unable to reach the property management company and suspected fraud. I contacted Navy Federal and was told the check had not been processed and I could stop payment on the check by filling out an affidavit of loss. I did this right away and the funds were credited right away. 7 days later I receive a call from navy federal informing me that the check was presented for payment and the funds were deducted from my account. I explained the situation again and they refused to reverse thier decision. I tried to escalate this to a supervisor and was told the person I was talking to was a high as it could go. I have been a customer of this bank for 20 yrs and have never had an issue like this before. They lied to me and have refused to make it right.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2016-01-11

Howell, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2016-01-08

Las Vegas, NV

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I have been with Navy Federal credit union for five years and paying my bills through bill pay and now they are taking a {$1.00} without even letting me no they where charging a fee
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-07

Jennings Lodge, OR

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2016-01-06

Okc, OK

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

2016-01-05

Houston, TX

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

2016-01-05

Jacksonville, FL

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

2016-01-05

Temperanceville, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: RE : XXXX Contacted Navy Federal CU to setup my mortgage payment this month. Due to recurring issues with car repairs I had to set the payment up in two installments, the first payment dated for today and the second payment dated for XX/XX/XXXX. I was told by a collections rep, by the name of XXXX/Employee ID # XXXX, that it was against their policy to set the payment up in installments. I have felt with this issue before with Navy Fed CU and advised the representative that he was incorrect and that he needed to set my payment up as I had requested. After dealing with his frustrating and harassing tactics for over 30 minutes he finally set the payments up as I had requested of him, in installments as outlined above. The employee did not act in accordance with their policies and procedures and I asked him on many occasions why he was refusing to take my payment. He refused to answer the question, primarily because calls are recorded. It seems to me that this tactic can be construed as Navy Federal CU causing consumers frustration and stress which could lead in consumers becoming delinquent with their mortgage payments. Navy Federal CU needs to put a stop to these harassing tactics - when consumers call in to make a payment they need to be accommodating and not harassing. I would like this concern to be made public and I want someone in Management or in the Legal Dept at Navy Fed CU to contact me. Lastly, I want to also mention that my mortgage with Navy Fed CU has never been more than 30 days late so I do n't deserve to be treated like someone who is n't paying their bills responsibly.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-01-04

Norfolk, 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 monetary relief

Disputed: No Timely Response

2016-01-02

Cheverly, MD

Other

Credit card:

Complaint: Navy Federal has reported an incorrect amount to XXXX and XXXX. Navy Federal reported I owe XXXX as of XXXX/XXXX/15 and that is incorrect. The correct balance that is owed is XXXX. I have sent several complaints about Navy Federal and Navy Federal keep messing up my credit by reporting wrong information. Navy Federal should be held accountable for continuing to mess up my credit report and score.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-12-31

Lawrenceville, GA

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

2015-12-31

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: Yes Timely Response