NAVY FEDERAL CREDIT UNION

2019-08-27

Calumet Park, IL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-26

Cleveland, TN

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-26

CT

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: Navy Federal Credit Union allowed the compromise of my accounts, 2 checking, 2 savings to be compromised and emptied of {$7400.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2019-08-26

Tacoma, WA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: VA mortgage

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

Timely Response

2019-08-26

Bancroft Hall, MD

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Navy Fed Credit Union. XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-26

Foothill Ranch, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: This will be our 3rd time trying to get this resolved. XXXX, with Navy Federal, has refused to answer EACH question we have and has made no effort to contact us besides their regular collection department trying to get payment from us. 1. We paid the loan off. It even states so on our credit. No where did does it say that there was left over, or anything. When we called to make the final payment in XXXX of XXXX they told us, " Congratulations, you are at the end of your loan, you should receive your title within 2-4 weeks. '' 2. We have asked them over and over to do an audit of the account when they stated that another {$6000.00} was owed on a 12,000 ( original, approx ) loan that we will have been paying on for 9 years in XX/XX/XXXX. They have stated that we've only paid on time 6 times throughout the entirety of the loan, but even according to our credit report, that is NOT correct. We have paid on time way more than that, PLUS they have reported it wrongly for the majority of the loan. We can prove with other parts of our credit report that we have paid our car loans ON TIME, including one of them being perfect throughout the 3 year loan with another company. 3. We have asked them to stop calling my wife, but they have refused to stop calling her, and they have threatened her with bodily harm if she either didn't pay right then or there, or let the repossession tow guy take the car. 4. I have spoken with XXXX ( or XXXX ; didn't get spelling ) with the main corporate office on XX/XX/XXXX at XXXX XXXX PST and explained the issue. Navy Federal has several lawsuits pending against them for reporting to credit agencies wrongly, along with the CFPB ordering Navy Federal to pay XXXX XXXX dollars for improper debt collection practices, including locking people out of their accounts during the time of XX/XX/XXXX and XX/XX/XXXX, which they did to us numerous times, including taking money out of our account without authorization, or telling us that they were doing so, and taking amounts more than was owed. Navy Federal also was ordered to pay XXXX XXXX dollars to settle overdraft fees that were caused by them between XX/XX/XXXX and XXXX XXXX, XXXX, which we were never informed about or told about, and suffered from as well. 5. XXXX, with the corporate office agreed to write off the {$4800.00} on the refinanced loan ( that no one could ever explain to me why we still owed and prove it to me with paperwork ), because she agreed that we have paid more than enough of the loan and have actually over paid, which she was researching to find out how much and to send us a check for the overpaid amounts. We expect FULL and complete cooperation with this and would like them to actually CONTACT us instead of just replying to this complaint as we seem to be getting absolutely no answers that are TRUTH from XXXX with Navy Federal, or anyone else who replies to these complaints. As they can see from the attachments, XXXX XXXX claims of having paid the loan " on time '' only six times from XX/XX/XXXX to XX/XX/XXXX are completely inaccurate and the majority of the ones that are marked " late '' are not late. We are 100 % positive that they are applying our payments late to spite us, or to discredit us with the CFPB and/or anyone else we choose to take this matter up with.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-26

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-26

Lk Buena Vis, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: NAVY FEDERAL LOCKED MY ACCOUNT AND WILL NOT UNLOCK IT UNLESS I STEP INTO A BRANCH. I WORK VERY LONG HOURS AND MY ONLY DAY OFF IS SUNDAY. THEY LOCKED ME OUT OF MY ONLINE ACCOUNT AND BLOCKED ALL MY DEBIT CARDS, SO I HAVE NO ACCESS TO MY MONEY! THEY SAID THEY WILL UNLOCK MY ACCOUNT IF I FAX IN MY DRIVERS LISCENCE AND SIGN MY SIGNATURE 5 TIMES. ( I HAVE HAD A XXXX SINCE OPENING THIS ACCOUNT AND MY FUNCTIONS ARE WORKING A BIT DIFFERENTLY )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-26

Newark, DE

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

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

Timely Response

2019-08-25

Berthoud, CO

Problem with a company's investigation into an existing issue

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Was not notified of investigation status or results
Complaint: I have considerable funds on deposit at Navy Federal Credit Union including checking, savings and CDs. I submitted a line of credit application which had a maximum amount of {$15000.00} for my checking account, requesting an LOC amount of {$10000.00}. My credit score from XXXX is XXXX. My application was denied. When asked for a reason for denial, no reason was provided. Please require Navy Federal Credit Union to provide a complete explanation of their rational for their denial of this application.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-25

Nyc, NY

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: NAVY FEDERAL Bank is prohibited from loaning ( risking ) its assets under Title 12, it therefore routinely does illegal conversions of the notes ( Credit applications ) of its customers, thereby converting promises to pay into drafts, or, orders to pay, then writes said securities to its books as assets of NAVY FEDERAL Bank that, as part of its routine business practice, NAVY FEDERAL Bank did such a conversion of the note/application of XXXX XXXX, the property of XXXX : XXXX, by converting said note into a draft or order to pay and then did write that security to its books as an asset of the bank. This is illegal conversion was not only a failure to safeguard the property of XXXX : XXXX, under the Privacy Act, but was also theft of XXXX : XXXX property by deception.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-24

Chicago, IL

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Complaint: i am a victim of identity theft by the lasw of the united stated of America and XXXX XXXX refuses to accept it. XXXX XXXX is not a judge
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-24

Raymond, NH

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I have been a customer with Navy Federal since 2007 and overall has been a decent bank. I just recently had a credit card reported as 31 days past due on my credit report and this was not accurate. It is fraudulent the payment was 29 days past due on XX/XX/XXXX when I made my payment at XXXX. I selected my payment date of XX/XX/XXXX and went about my business. A couple days later I go online to make schedule another payment on a different account and see that my payment shows 31 days late. I called the 1800 and they tell me I did not make the cut off. Any other bank that has a cut off time clearly displays the policy on the payments page. I searched high and low for this policy and could not find anything. I eventually find something that contradicts what they told me. A cutoff of XXXX eastern time. My payment was made before that. I then called the customer service number with the information I found. I asked the customer service representative ( XXXX ) if she could show me where to find the XXXX eastern time cutoff notice and she looked for about 15 min even asking 2 supervisors for assistance and could not give me an answer. Instead she berated me about having past due accounts. I have 0 other late payments in my credit history, and I get one from NFCU for an on-time payment. I was shocked to see this as I have been past due for a while, but I am very cautious about paying anything beyond the 30 day mark. I was also shocked at how unwilling they were to help. As soon as I question the policy the agent became very defensive and then came the aggressive tone and I am frustrated about the whole situation. I want this fixed I did make my payment at the 29 day mark and the late mark should be corrected. If they did this to me I cant imagine how many other service members are out there not knowing that this is wrong.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-23

Houston, TX

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-23

Lithia Spgs, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-08-23

Denver, CO

Managing an account

Checking or savings account: Savings account

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

Timely Response

2019-08-23

San Gabriel, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: I'm having financial problems and have fallen behind on my credit card payments. On XX/XX/2019 Navy Federal Credit Union transferred money from my checking account without my consent to pay credit card debt. Can they legally do that?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-23

Key Biscayne, FL

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; OID is a form of interest. It is the excess of a debt instruments stated redemption price at maturity over its issue price ( acquisition price for a stripped bond or coupon ). Zero coupon bonds and debt instruments that pay no stated interest until maturity are examples of debt instruments that have OID. As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; The term debt instrument means any instrument or contractual arrangement that constitutes indebtedness under general principles of federal income tax law ( including, for example, a bond, debenture, note, certificate, or other evidence of indebtedness ). It generally does not include an annuity contract. The Company and myself entered into a contractual arrangement ( debt instrument ) which constitutes indebtedness under the general principles of the federal income tax law. The Company has obtained the Original Contractual Arrangement ( instrument ) ; hence, are considered the Holder in Due Course/ Payor and are liable for the federally withheld amount of {$2000.00}. In addition, additional payments were made which said company has failed to provide a 1099 OID regarding past payments which again, they are liable for the federally withheld amount. All federal credit unions are encouraged to use a double-entry accounting system. In this system each transaction results in at least two entries : a debit ( or entry on the left side of an account ledger ) and a credit ( or entry on the right side of an account ledger ). For every debit entry there must be an offsetting credit entry and vice versa. Following this rule and determining that the total debits equal the total credits can keep the records in balance. The " Asset Accounts '' record what the credit union owns. ( For example, the contractual arrangement that was signed for value received in the amount of {$2000.00} XXXX. These accounts normally have debit balances. The " Liability Accounts '' record what the credit union owes ( For example, the {$2000.00} in credit which is due to the recipient ). The " Liability Accounts '' normally have credit balances. As the recipient who authorized said Contractual Arrangement, I am being hindered from assessing said tax accordingly in association with form 1099 OID and 1040, which said Company knowingly participated in a transaction to effectuate criminal or fraudulent avoidance of tax liability. Consequently, said company has intentionally impacted ones credit worthiness negatively regarding said Contractual Arrangement which is considered irrefutable proof that they do not respect the general principles of the federal income tax law. Attach you will find Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments, Pages 1 and 2 ; Emphasis on the following Definitions ( Circled ) : Original Issue Discount ( OID ) and Debt Instrument, said companys statement ( other evidence of indebtedness ) which constitutes indebtedness under the general principles of the federal income tax law and Accounting Manual For Federal Credit Unions Topical Index ( NCUA.pdf ) : emphasis regarding the highlighted areas. The following forms have been prepared accordingly and are on standby should any issue arise regarding said complaint in association with NAVY FEDERAL : Department of the Treasury - Internal Revenue Service Form 3949-A - Information Referral and Department of the Treasury - Internal Revenue Service Form 211 - Application for Award for Original Information. All statements/ responses regarding said complaint will be forwarded to the Internal Revenue Service along with said forms in order to substantiate my complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-23

Jupiter, FL

Trouble during payment process

Mortgage: VA mortgage

Complaint: XXXX XX/XX/2019 XXXX : Navy Federal Credit Union ( NFCU ) XXXX. Box XXXX XXXX, VA XXXX XXXX Subj : Reimbursement of Escrow, Real Estate Taxes On XXXX, my previous, secondary Insurance Carrier did not re-new my XXXX XXXX Insurance Policy ; because, it has a conflict with a Florida Stature : or, it believes that my primary, XXXX XXXX. coverage is not a true XXXX Insurance Policy, which it is, indeed. So, such Ins. Carrier sent NFCU a copy of its Cancellation Letter of my real estate property. Consequently -- if not, subsequently, on XXXX, NFCU placed a " Forced Insurance Policy '' from XXXX in the amount of {$1600.00}, on my property. It did so, too, presuming, or even assuming, so very erroneously, that I did not have Continuous Coverage on my property. When, in fact, about a month or so right before XXXX, I sought as well obtained Continuous Coverage with a brand new Ins. Carrier concerning my property ; which is so evidenced right by my submitted/uploaded, XXXX-page Insurance Declaration Page/s. It has been so grossly inappropriate for NFCU to have placed a " Forced Ins. Policy '' upon my property -- not, even, having the mere decency or good sense to inform me of such .... Had it done so, it would have seen/known that such was Wrong -- if not, so very unnecessary. Being such, I request -- or, so demand -- NOW, that my {$100.00}, for my real estate taxes -- or, PAST escrow, be so reimbursed via my NFCU Savings Account. Since, I satisfied ( or just paid off ) such real estate mortgage, on XXXX, or XXXX weeks ago. Plus, my having had super solid proof of Continuous Homeowner 's Ins. Coverage .... Good Day.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-23

Parkland, WA

Closing an account

Checking or savings account: Checking account

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

Timely Response

2019-08-22

Chula Vista, CA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-22

TN

Problem with a credit reporting company's investigation into an existing problem

Checking or savings account: Checking account

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I contacted Navy Federal Credit Union initial in XXXX regarding identity theft claim. Someone opened an account in my name I didnt know until I try to apply for a checking account. The initial claim was denied- no reason given. I appealed my claim providing additional documentation including FTC report and police report. My claim was reopened on XXXX of XXXX. I was advised initial it would take a week and Ill could open account. Next rep said 15 days. So I waited and now there saying they dont know. I asked to be transferred to security department. I spoke to same lady twice advising me I should a response in a day or so. I escalated to her manageXXXX and was advised I would be called back in 24 to 48 hours. No one called. I called again today and demanded that I speak to a manager to get a status update. They stated there was no update and no one was available. I told the rep I was staying in the line until someone was available and the rep stated no and hung up in my face. It forward me to leave a review. This is almost been a month and my last response was 15 days. I am requesting this issue be resolved!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-22

Las Vegas, NV

Applying for a mortgage or refinancing an existing mortgage

Mortgage: VA mortgage

Complaint: On or about XX/XX/XXXX, I filed for a Pre-Approval VA Home Loan with Navy Federal Credit Union which was approved to start the home loan process. The amount was for approximately {$330000.00} to {$360000.00}, with a deposit or XXXX for approximately {$110000.00} to {$120000.00} from my recent home being sold on XX/XX/XXXX. During the process the loan was denied because of a Chapter XXXX Bankruptcy over 16 years for visa credit card for approximately {$2500.00}. They included the Bankruptcy, poor credit performance with them, delinquent past or present credit obligations with others, time since most recent account openings is too short, length of time revolving accounts have been established, too many accounts with balances and length of time accounts have been established. This was and old debt and was no longer showing on all three major credit bureaus creditors use for approving credit. Again one of the reasons is from retaliation and grudge from the Chapter XXXX Bankruptcy against Navy Federal Credit Union Visa Credit Card debt of about {$2500.00} on or about XX/XX/XXXX. The bankruptcy was removed and deleted on or about XX/XX/XXXX. To become a member again about XX/XX/XXXXor XX/XX/XXXX. I had to pay the former debt and/or provide the evidence I filed bankruptcy. I provided the required bankruptcy documents to become a member again, however I thought from the former being in default or not being abled to pay from financial hardship, unemployed and a previous divorce the debt would be forgiven and not held or used against me. I do not know why and for what reasons the credit union keep such old information to still use against their customers or members. I have an excellent credit score of XXXX, paid my debts on time with no late or missed payments. All of their false, negative views and opinions are false. I am being retaliated because of the past debt and bankruptcy decades ago and the Federal Bankruptcy Laws ( NFCU ) is breaking and is illegal. My XXXX from being a XXXX veteran, ethnicity and/or race, family status of having a child under XXXX years old, being the single provider to my wife and son and my income from the Department of Defense via the Department of Veterans Affairs Benefits Administration and Social Security Administration. This is a Violation of my Civil Rights and Federal Laws. I feel and believe why should I have to go through a fair resolution to the issues and they do not have to abide by the U. S. Federal Statues and Laws. Their webpage site and online accounts for members do state they forgive previous debts for their credit cards and different loan programs. I am being singled out because of my race, XXXX, income sources, family status and others, when they are given loans out to other members from the same conditions and all these documents should be surrendered by the credit union. I do not know how to attach documents and/or uploads. I request a fax number or mailing address or email address.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-22

Quartzsite, AZ

Struggling to pay mortgage

Mortgage: VA mortgage

Complaint: XXXX XXXX committed XXXX as determined by XXXX XX/XX/XXXX. The family was notified about a week later when the XXXX was found. We quickly determined that the house was in default but worth saving and contacted Navy Federal who was the lender. At this time, they said we could not speak with them on behalf of XXXX without a death certificate. This was received and immediately sent to Navy on XXXX XXXX. We tried making contact once again and were told that we now needed probate paperwork from the court as we had no will. We immediately applied for this through the court systems. Navy immediately released the house for foreclosures when they received the death certificate ( Even knowing the situation ) as now they had proof of death. Then once we got the probate paperwork back on XX/XX/XXXX we immediately sent them copies of the probate order. We also left a voice message. On XX/XX/XXXX they returned a call and said they would send the paper work out for this loan to be reworked and credit was not really going to be an issue because of the situation ; but then on Monday XX/XX/XXXX they said this process needed to go to a different department because it had been sent to foreclosure and were sending another package of paper work out for the family to fill out. We got that XX/XX/XXXX. We are completing that package and returning it today. We feel they have stepped up the foreclosure process and really just keep sending us in different directions now that they have proof of death. This man served his country and had he would not be alive today. This is not compassionate, and I am embarrassed that we would treat the any of our service people or families with so little compassion.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-22

Warrenton, VA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/19 I placed an online order with company XXXX XXXX XXXX XXXX California. This order was for a regularly stocked motorcycle part, and should have shipped within 30 days. This order was placed with a Navy Federal Credit Union credit card. The purchase price was {$1300.00} After receiving no shipping information for over 30 days, I contacted XXXX XXXX on XX/XX/19 via email and did not receive a response. After another email was sent on XX/XX/19, I was told my order would be shipping XX/XX/19. After failed attempts to contact the seller after this date, I canceled my order on XX/XX/19. The owner of XXXX XXXX informed me the refund should be visible on my Navy Federal Credit Card within 2-3 business days. No refund was received, and I started the dispute process with Navy Federal Credit Union. I provided copies of emails from the merchant, where he explained in writing my order had been cancelled. A temporary credit was issued by Navy Federal Credit Union. On XX/XX/19 I received a letter from Navy Federal Credit Union informing me that no billing error occurred and I would still be responsible for the charges of {$1300.00}. There have been several XXXX complaints filed against XXXX XXXX for similar issues with no resolution from the Company. It is unfortunate that Navy Federal has chosen not to protect its members from fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response