NAVY FEDERAL CREDIT UNION

2015-12-02

Charlotte, NC

Delinquent account

Credit card:

Complaint: Navy Federal Credit Union ( NFCU ) Acct # XXXXAcct Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-12-01

East Orange, NJ

Making/receiving payments, sending money

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

2015-12-01

Griffith, 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

2015-11-30

Dayton, OH

Unsolicited issuance of credit card

Credit card:

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

Disputed: No Timely Response

2015-11-30

NY

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I went into my credit union to get a replacement card and they asked if i was interested in refinancing my car. They worked the numbers up after getting the final payoff amount from XXXX XXXX and I saved {$200.00} a month. I agreed to the new loan, they issued the payoff check and I sent it to XXXX XXXX. I just moved house and had not received anything from XXXX XXXX so checked online and found out there was still {$5000.00} owing on the car - the credit union issued the check at {$5000.00} less than the payoff. I immediately call them and they tell me they can see where their agent made the mistake and I could either recall the payment from XXXX XXXX and stick with the original loan, add {$5000.00} to my current loan increasing the payment by {$100.00} more than what they quoted me and adding another year to what I originally had or they would give me the original terms and save {$30.00}. I told them they needed to fix it as I am now required to make a payment on the original XXXX XXXX loan and with their loan, I now have a car payment of nearly {$900.00} instead of {$390.00} which is what they quoted and agreed to. I asked them to contact the original rep and have her fix it and they said no, would have to drive from new york where i now live to va - XXXX hours away and go into the branch. The phone agent was nice, the supervisor was awful and told me it was my own fault for not checking with XXXX XXXX sooner. I explained that i had XXXX, left my husband and had to move my house and business all in a 3 week span and she was not being very helpful. They can see in their system what the correct payoff amount was and that their agent clearly made a mistake and she refused to do anything and again told me it was my fault that I did not check with XXXX XXXX sooner. I was clearly mislead into this loan and they are trying to make me pay more than the terms that were laid out
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2015-11-30

Blackbird, DE

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: This complaint is to inform CFPB of the unfair and cruel way that my mortgage company have been treating me since the year XXXX when I started to have problems paying my mortgage due to hardship. At the end of XXXX, my husband divorced me which change the household income from around {$85000.00} a year to around {$20000.00} a year making it very difficult for me to make ends meet considering that I was a single mother of XXXX children with no help what so ever. This is when I reached out to my mortgage company asking for help with my mortgage. I placed numerous calls to them and I even applied XXXX times for a mortgage modification in which I was declined both times. Since then I have continued to ask for their help only to have them decline me of any available services and/or any assistance that they could have provided me with. Instead of helping me, they wanted to foreclose on my home. Then I managed to bring my mortgage payments up to date, however, they refuse to send me monthly statements since XXXX of XXXX leaving me with not knowing how my payments are being applied to my account, what are the extra charges that they are applying to my account, what my mortgage balance is and what are my official monthly payments. This has caused extreme stress on me!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-11-28

Bel Alton, MD

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was discharged in bankruptcy
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-11-28

Bel Alton, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2015-11-28

CO

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: My complaint is about Navy Federal Credit Union. It has come to my attention that my current auto loan is now nearing almost 4 years of payments. I decided to go over the amount I have paid and what is left to pay on this loan. Based on what I have calculated I have not even paid off half of the original amount financed. Based on my XX/XX/XXXX - XX/XX/XXXX statement I have {$23000.00} left out of {$31000.00} that was originally financed XX/XX/XXXX. Additionally I have calculated out the last 11 months ' worth of payments which equaled {$4800.00}, to which {$1600.00} has come off of my principal balance. That means that {$3100.00} had gone towards the interest charged on my loan. The average amount that is getting paid toward my principal is {$150.00} and {$280.00} goes toward interest. That is nearly twice as much. Based on the figures that I stated above it would take me approximately 153.4 more payments to finish out this loan. That is another XXXX years on a loan that was only supposed to be for 84 months or 7 years. So this begs the question : Why am I going to pay 15 years on a 7 year loan? I would literally be paying {$67000.00} to pay off the {$23000.00} that is remaining. I renegotiated this loan XX/XX/XXXX to get a lower payment because of financial difficulties, but apparently the interest stayed the same, so nearly XXXX % of every payment goes to interest. This is ridiculous in my opinion.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: Yes Timely Response

2015-11-27

Mamaroneck, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Untimely Response

2015-11-27

Washington, DC

Deposits and withdrawals

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

2015-11-25

Merizo, GU

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

2015-11-25

Tampa, FL

Fraud or scam

Money transfers: International money transfer

Complaint: Sent money wire XXXX XXXX, 2015 from Navy Federal Credit Union at XXXX XXXX Office in XXXX, Florida. Canceled transaction the evening of XXXX XXXX, 2015. I was told that it would be quicker than the wire leading me that it would be cancelled in time since the date of funds availability in XXXX XXXX, 2015. I called the XXXX XXXX today XXXX XXXX, 2015 and learned that my account had been credited with the full amount including the {$25.00} wire fee. I logged into my bank application the credit was not reflected on my balance in the account. I called again the XXXX of XXXX, 2015 and I was told that the procedure was the same to send as to cancel. I then called to speak with the branch manager XXXX at the XXXX XXXX XXXX XXXX office in XXXX, Florida. She stated that they had ask the bank to refund the money. I think I have received the run around from bank personnel at Navy Federal Credit Union.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-24

East Orange, 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: No Timely Response

2015-11-24

Hampton, VA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I was young and in the military when I was taken advantage of when buying a car. Navy Federal Credit Union gave me a loan that was more than the car was worth. The dealership and the banking institution was working together to get over on me. Now when I try to get rid of the car, the banking institution wont let me they said it will have to be a voluntary repossession. So now my credit is shot and I 'm struggling to get my credit right and having a hard time with a car that have should of been paid off. I been asking the bank to work with me because I had to put monies into the car to repair the engine and electrical work done. I even asked about the civil service act but they said I 'm not qualified. I feel as though I have been worked over by the banking institution and the dealership. My interest rate has n't went down since I first brought the car and it was at 15.69 % and I feel that is way to high.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-24

Burlingame, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have had a checking and savings account with Navy Federal Credit Union for a couple of months, with no incident or problems and light use. My husband passed away on XXXX XXXX, 2015 and I really started using the account after that. After depositing a {$3000.00} check from my mother drawn on XXXX XXXX XXXX XXXX XXXX and another cashiers check drawn from XXXX in the amount of {$3700.00}, still no problems. On XXXX XXXX, without notification via call, email or postal mail, my account was frozen. I contacted NFCU right away, and they stated that there was suspicious activity on my account. I explained the situation regarding my husbands death and I had been paying for funeral expenses and now in XX/XX/XXXX, I had planned on having my husbands pension directly deposited into the account for household expenses. I was very upset, as I only had {$60.00} in cash and I needed to get items for my children 's schools etc. The young lady I spoke with was very apologetic for the lack of communication and situation with the account. She stated that they needed some addition information in order to release the account. She asked for some information and I provided these within minutes with photos of items requested, attached via emails. I was told that there was an issue with another account I had, that i stated I knew nothing about. She stated that they would need to look into the issue and would contact me within 1-2 weeks. Wonderful! No money and my children and I have had issues with power and other utilities since they did not release the funds to me. Also, I was told that all electronic payments would be returned and all debit card payments would not go through. I was told that if I use my checks, I would be ok. Since I needed food for the kids, I went to a check cashing location and cashed a {$300.00} check. Well, it was returned and I now have egg on my face thanks to that lie. Since XXXX XXXX, I have had no t contact from ANYONE at Navy Federal CU. No calls, no postal mail, no emails. I have been sending them emails, ( that they are reading, per my read receipts ) begging them to release my {$1400.00} between savings and checking. I am being ignored, totally ignored. My preferred method of communication is email, they know it and I have received anything from them. I need my money released and returned to me asap. The funds in the account are from my mother and the lat money from my husband. I find this situation intolerable and very unfair. I do n't understand what the problem is, and I frankly I do n't care. I have repeatedly asked them to just close the accounts and send my the funds. Nope, no response. The online banking and mobile sites, are blocked. I can log in, however it shows me nothing. I can not get my statements, see transactions or even what the balances are. I find this whole thing idiotic, lame and suspicious. I am asking that my funds be released with a full transaction breakdown from XX/XX/XXXX - XXXX/XXXX/2015, as well as copies of full statements ( each account ) from XXXX 2015 up to closing, as well as why non one has contacted me in any way, now over a month since they froze the accounts in a postal letter with copy to email. I do n't care if I was laundering money ( I was n't ), using the account in a criminal manner ( I was n't ), in any case, I asked for information and was denied, none and my money was frozen and has been held. I find this punitive and I will pursue further if necessary.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-24

MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I am writing you again for the XXXX time because NFCU is continuing to report erroneous information to my credit profile. NFCU is attempting to report foreclosed information to my credit report after the 7 year reporting period by changing the date of delinquency on my accounts. The first date of delinquency is the date of my bankruptcy. After 7 years, NFCU is required by law to stop reporting on these account all together XXXX the Fair Credit Reporting Act. They are also labeling these accounts as being open and active when they are bankrupted accounts and should be labeled as such. They have updated and re-aged the accounts in order to continuing reporting on it outside of the 7 year period. Any status regarding these accounts outside of the 7 year period should not be reporting. NFCU actions have caused my credit score to decline and increasing in my premiums for insurance and utility services. I have disputed these item with the credit bureaus and have sent correspondence directly to NFCU for correction only to have them corrected when under fire and re-reported a couple of months later. I am requesting that NFCU stop harassing me by means of the credit system. This is a deliberate act because they have been warned by me, my attorney, XXXX and CFPB have sent them correspondence regarding this matter in the past. I am requesting that NFCU cease from reporting on any and all account included in my XXXX 2008 bankruptcy and submit accurate account data to the XXXX credit bureaus. This is my third and final request. Legal action will be taken XXXX the FCRA. *They have also removed the account from my report in the past, but added it back after a few months.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-23

Johns Island, SC

Account terms and changes

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

2015-11-23

Chandler, AZ

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

2015-11-21

Baltimore, MD

Settlement process and costs

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-11-21

Maxwell Afb, AL

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I have a loan out with Navy Federal Credit Union that has been awarded to my ex-spouse in our divorce proceedings that is still showing on my credit report. I have offered multiple times to provide them with a copy of the decree, but they were unwilling to accept it. This is adversely affecting my credit score and history and I would like to have it removed. The account has been charged off because my ex-spouse has refused to pay since 2013.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-20

Ellenwood, 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

2015-11-20

Ladies Island, SC

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

2015-11-19

East Orange, NJ

Using a debit or ATM card

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

2015-11-19

Kosciusko, MS

Delinquent account

Credit card:

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

Disputed: No Timely Response