NAVY FEDERAL CREDIT UNION

2015-09-04

East Orange, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2015-09-03

Moapa, NV

Application, originator, mortgage broker

Mortgage: VA mortgage

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

Disputed: Yes Timely Response

2015-09-02

Merizo, GU

Taking out 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

2015-09-02

Santa Ysabel, CA

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

2015-09-02

East Orange, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-09-02

East Orange, NJ

Making/receiving payments, sending money

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

2015-09-02

Wallington, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: ComplaintDescription of the complaintI contact Navy Federal Credit Union on XXXX XXXX, 2015 regarding access my old account in order retrieve funds that was credit to the close account the reason for this they had told via phone several times that they can not credit the new account they have credit the old account which I do not have access to. I ask why would credit account that closed they stated that that was they policy. So today call will be see if I can have access to my account which have funds belonging I spoke to XXXX stated that I would will not be able access the account because the account is negative now I did cause the account be negative Navy Federal Credit Union authorizing transactions and hold me responiblity of Fraud Account I contact them and stated that this is a Fraud Transaction why then will I be held responible for fraud I did not do it. How complaint can be satisfactorily addressedThere 's alot of money coming up missing due to the lack of management of accounts and Product, Services and Navy Federal Credit Union is getting away with stealing member money a investigation is need to catch all involved with stolen money and mismanagement of member account and they should be charged and convited for all illegal handing.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-09-01

East Orange, NJ

Making/receiving payments, sending money

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

2015-09-01

Wallington, NJ

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: On the following dates I used Navy Federal Credit to make Bill Payment to following account at XXXX XXXX and XXXX XXXX XXXX XXXX I contact my to inquiries on payment that was sent by bill pay. XXXX XXXX contacted me and I was not available then call back on XXXX XXXX, 2015 and spoke with XXXX from Navy Federal Credit Union who contact XXXX XXXX while I was on the phone I received various bill from XXXX XXXX and XXXX XXXX XXXX XXXX which will require the bank contact the individually regarding the receipt of payment the first contact XXXX was asking question about the account on the statement when they should be either put my name, or the account that was given by the bank XXXX. XXXX indicated the they had different account number from the one they sent me stating I have miss payment. The Navy Federal Credit Union Confirmation Number is XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$100.00} I request XXXX to send letter and ask them to verify method of payment because they can confirmed the checks has been paid and the amount was with withdraw from my checking account and XXXX was not very help she was will give private information to XXXX. I had inforned her several times not to release this information, Please investigate the Navy Federal Credit Union and XXXX XXXX, XXXX XXXX XXXX XXXX and ensure they working according to United States Federal Regulations
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-31

Oakton, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

2015-08-31

Tampa, FL

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I got employed by the company in XXXX 2015. I was give a user name & password where I could communicate with my manager as well as receive my new tasks. I got my first assignment in XX/XX/XXXX which I was told that there will be a deposit of {$5000.00} in my account and that check with the bank to make sure that the funds is available then report to my manager for instruction. I was told to withdraw the funds & XXXX ; to send it to XXXX clients in XXXX by using XXXX XXXX XXXX XXXX ; then to scan the receipt & loaded in the systemand also call XXXX to make sure that the funds were available to be picked up. I received XXXX more transfers after that which was instructed to do the same but different clients. Two days later my bank statement was showing negative so I contacted the bank & was told that Navy FCU is asking for the money back so I contacted my manager via email & assured me that the issue will be resolved & amp ; that she is working with the financedept & XXXX ; client in order to take of this matter. I emailed her few time a day for the next couple of days since issue with the transfer was not fixed so the third days I was unable tolog in in order to communicate with her since they deactivated my log in & password. I have emailed their HR person as well as the risk management dept chief, head of the investment dept & public relation chief and no one has responded back to me. I have alsocalled my contact that is suppose to be in NC XXXX XXXX for assistance & he has not returned any of my phone calls. According to Navy FCU the money was transfer to my account & they have a record of it but could not give me any other information since I am not a client of the ban & XXXX ; my bank has done anything to help me but asking for me to deposit the money that I do not have back i the account. My back never notified me of these transaction instead they suspended my on line profile & that is reason I found out about his issue. According to the web site this company has locations in XXXX, XXXX, XXXX & XXXX. Total of money owes is {$14000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-31

Wallington, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I submitted a Fraud Complaint to Navy Federal Credit Union for unauthorized transaction on XXXX XXXX, 2015 from XXXX XXXX, NJ in the amount {$20.00} I received letter from XXXX XXXX stating that the transaction was not a error. Also usually there a way to dispute online but I 'm unable to dispute if Navy Federal Credit Union is going to give option to processing fraud it should be available to all transactions. Please investigate Navy Federal Credit Union procedure on processing Fraud complaint and ALL Product and Services and ensure it working according to United States Federal RegulationsXX/XX/XXXX POS Debit - XXXX Check Card XXXX - XXXX XXXX XXXX NJ POS - {$20.00} {$350.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-30

Menifee, CA

Taking out 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

2015-08-28

Ocean City, MD

Making/receiving payments, sending money

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

2015-08-27

Wallington, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: ALWAY UNAUTHORIZED TRANSACTION AND BEING ALLOW TO WITHDRAW FROM MY ACCOUNT AND CREDIT BEING APPLY TO CLOSE AND FRAUD ACCOUNTS AND STATE THE NAVY FEDERAL CREDIT UNION POLICY AND PROCEDURE STATES THAT ALL CREDITS SHOULD BE APPLY BACK INTO THE FRAUD THAT CLOSE AND THE MAKE CHANGES TO MY ACCOUNT WITHOUT NOTIFICATION AND MY ACCOUNT IS OVERDRAWN LEAVING RESPONSIBLE TO NEGATIVE AMOUNT. PLEASE SEE BELOW THE ACCOUNT TRANSACTION AND INVESTIGATE THE ALL PRODUCTS AND SERVICESXXXX : XXXXLast signed on XXXX/XXXX/2015 My Settings Mobile Help CalculatorAccount SummaryTransferseDepositsBill PaySpendingAccount ServicesEveryDay Checking - XXXXPrintEDIT ACCOUNTSAvailable Balance $ XXXXCurrent Balance - $ XXXXLast Statement BalanceEnding XXXX/XXXX/2015 | Suppress Paper Statements - $ XXXXAdditional Account Information Scheduled TransactionsDate Description AmountThere are no transactions to display. Transaction History Download TransactionsAllSelect RangeDate Description Check # Type Amount BalancePending Transfer To Other Debit - {$120.00} $ XXXXPending Adjustment Credit {$530.00} $ XXXXXX/XX/2015 Adjustment - Cr Credit {$60.00} - $ XXXXXX/XX/2015 Adjustment - Cr Credit {$29.00} - $ XXXXXX/XX/2015 Insufficient Funds Debit - {$29.00} - $ XXXXXX/XX/2015 POS Adjustment - XXXX XXXX XXXX CT Credit {$19.00} - XXXX XXXXXX/XX/2015 Dividend Credit {$0.00} - $ XXXXXX/XX/2015 Overdraft Protection Fee Debit - {$60.00} - $ XXXXXX/XX/XXXX ACH Transaction - PUBLIC SERVICE XXXX ACH Debit - {$150.00} - $ XXXXXX/XX/2015 POS Debit - XXXX Check Card XXXX XXXX XXXX*NEW BALANCE XXXX XXXX XXXX - {$140.00} - $ XXXXXX/XX/2015 XXXX XXXX - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX - {$35.00} - $ XXXXXX/XX/2015 ACH Transaction - XXXX XXXX ACH Debit - {$530.00} - {$92.00}
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-08-27

Key Biscayne, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I am not liable for the Navy Federal Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I currently should not have any Charge Offs on my credit file at all. The date the first major delinquency occurred was in XX/XX/XXXX for my husband 's account. Instead, Navy Federal chose to place the date of filing to re-age the debt this is illegal. They are also furnishing erroneous information disputed to the Credit Bureaus intentionally a violation of my rights under the FCRA. They are showing a Charge Off with a balance due on an account that was my husband 's included in his bankruptcy filing trying to make me responsible for his debt. The attached dispute is the XXXX XXXX is over 45 days. Navy Federal verified the information on the report as valid when it is not. Multiple legal violations of FCRA and of my Chapter XXXX injunction, intentional misrepresentation of a debt to attempt to collect. They also re-aged the other account modifying the date of first major delinquency. Notice the account was added after my husband XXXX filed for Bankruptcy in an attempt to collect the debt.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-08-26

AZ

Making/receiving payments, sending money

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

2015-08-25

Mc Donough, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-08-25

Norfolk, VA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX XXXX, XXXX I purchased a XXXX XXXX from XXXX XXXX XXXX, XXXX. I traded in my XXXX ford truck. The dealership gave me {$8800.00} for my trade-in. I owed Navy Federal {$10000.00}. The dealership said not to worry about the negative equity of {$1200.00}. They said they had rolled it into the price of my jeep so I did not have to pay any additional money. When I saw the buyers order it said that there was no balance owed to Navy Federal. When I got my loan from Navy Federal I found that I still owed the negative equity. I paid the negative equity XXXX once to the dealership and once to Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-24

Long Beach, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: Yes Timely Response

2015-08-23

Wallington, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2015 I log into my online Banking and another fraud Transaction was unauthorized by Navy Federal Credit Union for {$20.00} from the XXXX I never been there and I did authorized anything to be withdrawal from my account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-23

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

2015-08-21

Albuquerque, NM

Using a debit or ATM card

Bank account or service: Checking account

Complaint: To Whom it may concern ; XXXX NAME IS XXXX XXXX XXXX, I AM A RETIRED XXXX THAT IS XXXX XXXX AND DEPENDANT ON MY FUNDS. I LIVE AT XXXX XXXX XXXX # XXXX XXXX NM XXXX HOME TELEPHONE NUMBER IS XXXX XXXX XXXX CELLULAR TELEPHONE IS XXXX XXXX I PREFER TO RECIEVE ALL CALLS VIA THIS NUMBER. ON XXXX/XXXX/2015, I WAS GOING TO PURCHASE A CAR AT XXXX XXXX OF XXXX NM XXXX XXXX XXXX, I WAS REQUIRED TO GIVE A XXXX DOLLAR DEPOSIT WHICH I DID WITH MY DEBIT CARD ON XXXX/XXXX/2015. HOWEVER, I DID NOT BUY THE CAR WHEN I ASKED FOR MY DEPOSIT THE DEALER SAID TO DISPUTE THE DEBIT CARD TRANSACTION TO GET MY FUNDS BACK FASTER. I DID FILE A DISPUTE WITH NAVY FEDERAL ON THE XXXX OF XXXX 2015. XXXX OF NAVY FEDERAL SAID IT WOULD TAKE XXXX DAYS BUT IT BEEN LONGER THAN TEN DAYS. I HAD RECENTLY CLOSED A BANK ACCOUNT WITH XXXX XXXX BANK BECAUSE I THOUGHT NAVY FEDERAL UNION WOULD BE BETTER BUT WAS I WRONG. THE FOLLOWING ARE THE EMAILS OF COMMUNICATION WITH THE WOMAN INVESTIGATOR NAMED XXXX. XXXX HAS SPOKEN WITH THE CAR DEALER XXXX TIMES AND HAS BEEN GIVEN AN ALL CLEAR ON PAYING THE FUNDS BACK INTO MY ACCOUNT BUT YET NO FUNDS ARE DISPURSED TO MY ACCOUNT. Subject : Debit card disputeNavy Federal Response XXXX/XXXX/2015 : We have filed an XXXX XXXX dispute claim for {$500.00} on your behalf for the debit from XXXX. Your checking account will be provisionally credited {$500.00} within ten business days. A gram will be mailed to your address of record notifying you of this action. Navy Federal will follow through on your claim with the merchant. Please note that your claim may remain open for a period of up to XXXX days before the merchant 's processor renders its decision and the claim process is completed. Your Message XXXX/XXXX/2015 : I recently entered into a transaction to purchase a card. The company required a XXXX dollar deposit while they processed a loan. After the papers were complete the loan intersest made it not logical to sign the note. I decided to not deal with the company. I requested my XXXX dollar deposit back and was told by the manager to dispute the charge with my bank. The company wasXXXX XXXX XXXX XXXX loan was through their inhouse loan company which a XXXX or something like thatPlease complete the return of my fundsRespectfully, XXXX XXXX XXXX retiredSubject : debit card transactionNavy Federal Response XXXX/XXXX/2015 : Thank you for using Navy Federal 's eMessaging Service, XXXX XXXX. We can not process a dispute claim until we clarify the information you provided. Pleasecontact a Dispute Resolution Specialist directly at XXXX. We very much appreciate your patience and understanding, and we look forward to assisting you. THIS IS UNUSUAL BECAUSE I HAVE4 SPOKEN TO XXXX SEVERAL TIMES AND HAVE ANSWERED ALL HER QUESTIONS ABOUT MY CLAIM. Your Message XXXX/XXXX/2015 : i was going to purchase a car and had to make a XXXX dollar deposit. the purchase did not go through and the money was never credited to my account. i am a XXXX veteran and i need my money. it 's been almost ten days and the car credit company claims that my credit union has not given me credit for unknown reasons. XXXX XXXX : DISPUTEYour Message XXXX/XXXX/2015 : XXXX/XXXX/2015 POS Debit - XXXX Check Card XXXX - XXXX XXXX NM XXXX Checking ( XXXX ) Transportation : Other Transportation Dealers Point of sale ; debit cards ; EFT - $ XXXX TRANSACTION WAS NOT COMPLETED, I DID NOT BUY THE CAR AND XXXX TOLD ME TO DISPUTE THE TRANSACTION TO GET MY MONEY BACK I CURRENTLY AM IN THE PROCESS OF CONTACTING THE US ATTORNEY GENERAL AND THE STATE ATTORNEY GENERAL TO FIND OUT YOUR DELAY IN RETURNING. I STILL WAIT FOR MONEY MONEY OF XXXX DOLLARS. I SUBMIT A REQUEST AND DEMAND TTHAT YOU CONTACT NAVY FEDERAL UNION FOR AN IMMEDIATE RESOLUTION. MY ACCESS NUMBER IS XXXX. I AM DIESPARATE AS M
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-20

Kings Ferry, NY

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

2015-08-20

Jacksonville, FL

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