NAVY FEDERAL CREDIT UNION

2015-08-20

Chesapeake, VA

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 monetary relief

Disputed: No Timely Response

2015-08-20

Moapa, NV

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

2015-08-20

NC

Billing disputes

Credit card:

Complaint: Navy Federal Credit union received credit disputes from me. Processed them late, and provided even later merchant responses. Now threatening to reapply charges unless I respond. I have responded after late receipt of their letters to me. See attached message to them addressing XXXX claims.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-19

Virginia Bch, VA

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

2015-08-19

Alexandria, VA

Fraud or scam

Money transfers: Domestic (US) money transfer

Complaint: I am a single mother of XXXX and of a military son. I had planned on buying a home, and now I ca n't because I am out {$4000.00} due to fraudulent activity. On XXXX XXXX, 2015 I was in the process of closing on a house. I was working with my realtor through email and phone during this process. It ended up that I wired my escrow money of {$4000.00} to a fraudulent account. The following is a detailed account of what happened. On XXXX XXXX, I worked with my realtor to sign the bidding paperwork for XXXX XXXX XXXX property in XXXX, VA. The next morning, I received a congratulatory email saying that the seller agreed to the bid and I will receive an email with the instructions for escrow and other documents. Later that morning, I did receive instructions and called my bank to proceed with the wire transfer. My realtor called shortly after to discuss me signing additional paperwork, then called again later in the afternoon to talk about escrow monies. I told him that I had already wired the money according to his instructions. He said that he never sent me anything today, and to stop and call my bank to stop payment. I did call my bank, and the bank where the money was being wired to, and neither party would freeze or hold the money to investigate!! My bank would n't do ANYTHING until I filled out a form, which, when I initially called to complain, no one, told me about any form, until my bank manager the following day mentioned it. I was told to make a police report, which I did. I NEVER, got ANY response from the local police to even say it was out of their jurisdiction. I feel really helpless in this situation. My realtor 's email was hacked! I want my money returned!!! That 's it!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-18

Mount Vernon, WA

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

2015-08-18

Newnan, GA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Please remove from my credit report.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-08-18

Portsmouth, VA

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: No Timely Response

2015-08-17

Discovery Bay, CA

Application, originator, mortgage broker

Mortgage: VA mortgage

Complaint: I applied for a re-fi loan on my home with Navy Fed. Union the loan application took over 8 months with multiple problems and issues. I am a XXXX service XXXX and within the last 3 yrs XXXX these people told me in the beginning that I did n't have a VA loan I submitted XXXX mortgage applications I finally signed the papers to finish the loan process but I was unhappy with the new higher interest rate. I believe all paperwork for this loan over the last 8 months should be reviewed by the Bureau as the whole process has been very stressful for me and they have not resolve any of my complaints.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-17

Chester, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I was recently approved for a Navy Fedral Credit Union credit card in combination with my checking and savings account that I have with NFCU. I needed to pay a few bills and I was in between pay cycles at my job and I decided to use a portion of my line of credit to have cash ( {$1000.00} to be exact ) transferred from my credit card into my checking account online through my NFCU online account on XX/XX/XXXX. As I went to the bank to withdraw the funds I went to the drive through and presented my Drivers License and asked to have the funds withdrawn which was when I was told that I needed to come inside the bank branch and show my Driver 's License, Proof of Residence and proof of my Social Securtiy Card. I was of course shocked to discover this so I called the bank and provided my verbal password and confirmed my phone PIN with the phone bank rep. I explained to the banker that I had every document to send except my Social Security card including my XX/XX/XXXX XXXX 's the banker explained that it could not be accepted and the only option I had was to show my Social Security Card. The banker also explained that in addition to sending my documents that I would have to wait 24-48 bus hours for them to be reviewed, despite the weekend approaching. Therefore I was forced to take time off of work and go to my local Social Security Adminstration office to apply for a replacement card since I could not locate my original card. Considering the fact, that I am a Fraud Manager at another financial institution and I am familliar with fraud security and fraud proccesses, however there was ABSOLUTELY NO willingness to help a customer in need.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-17

Alexandria, VA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: My wife received a letter from the Navy Federal Credit Union dated XXXX that stated " we have received notification from the Social Security Administration of the passing of XXXX XXXX XXXX. " This letter contained 2 lies I was not dead and the Social Security Administration stated they did notTell the NFCU I was dead. Then on XXXX/XXXX/15 the NFCU transferred {$2100.00} from my joint checking account to my checking account. Then stole the {$3300.00} from my checking account and closed my account. The record shows my money went to a DEBIT. Three checks were paid by my overdraft account and charge me {$1.00}. at lease one check bounced, I was not informed of this by NFCU. The first week in XXXX When the electric company turned off my electricity and informed me that my check bounced and I had to pay a reconnect fee, and a deposit would be required to establish my credit and get my electric turned back on. On XXXX XXXX after having my debit card refused I went to the NFCU to find I was listed as DEAD. # XXXX XXXX. Also on XXXX/XXXX/15 the NFCU reopened and deposit {$3300.00} in my checking account, this was a replacement for the funds stolen on XXXX/XXXX/15. On XXXX/XXXX/15 {$1400.00} was deposit in my checking account as my benefit check. This amount ( {$1400.00} XXXX was transferred to the NFCU as an adjustment XXXX XXXX. on XXXX {$1400.00} was deposited as my normal monthly deposit. But my $ XXXXAnd {$450.00} retirement pay was not. On XXXX/XXXX/15 the NFCU deposited {$1800.00} in my account as an adjustment cr. This brought my totalTo the correct amount {$6000.00}. XXXX NOTE : the NFCU is calling this an error credit ) THE NFCU asked and received two MONTHLY PAYMENTS {$2800.00} FROM my benefit payee. THIS PAYMENT WAS PAID ON XXXX/XXXX/2015. THIS REQUEST AND PAYMENT WAS IN ERROE. THE REQUEST SHOULD HAVE BEEN TO MY RETIREMENT PAYEE! TWO MONTHY PAYMENTSWOULD COME TO {$3700.00}. THE PROBLEM NOW IS THE NFCU have posted 4 monthly payments from my benefit payee over a 2 month period. AND ZERO ( 0 ) PAYMENTS FROM MY RETIREMENT PAYEE, OVER THE SAME PERIOD. ON XXXX/XXXX/2015 we return to normal direct deposit. Then onOn XXXX/XXXX/2015 {$1400.00} is taken out of my account and given to adjustment XXXX andOn XXXX/XXXX/2015 {$1800.00} is taken out of my account and given to adjustment XXXX XXXX These two adjustment total {$3300.00}, the same total as the amount stolen from my account on XXXX/XXXX/2015. THE NAVY FEDERAL CREDIT UNION IS NOT CAPABLE OF MANAGING A DIRECT DEPOSIT. XXXX XXXX XXXX
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: Yes Timely Response

2015-08-17

Wallington, NJ

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: Navy Federal Credit Union Denied my access to my bill pay because it was link to Fraud Account that was close and they issue me new account Number and they did not link my new account with bill pay so they denied me access to account because of lack of them doing there job. Why would they hold the customer responsible for them not linking the account with right one. Continue Lack of unprofessional when hand product and services. Please investigate the Product and Services Navy Federal Credit Union offer to the members and ensure they are processing and according to United States Federal Regulation. Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. Because your account is suspended, you are currently unable to use all of Navy Federal 's Bill Pay Service 's features. To cancel a pending payment or to print a list of your e-bills and payments, go to Bill History.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-16

Wallington, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2015 I log into Navy Federal Credit Union to setup some bill pay because I have my XXXX Salary go into this account there are some bill that nee to paid. Everytime I week there 's problem with my Navy Federal Credit Union Account either suspended my account for membership verification or withholding my pay because of fraud and not refund my money back into my account. Now today this what I see when I log into my account this message. Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. Please investagate the product and services and why they just suspended your account without notify you and ensure that are working according to United States Banking Federal RegulationsBecause your account is suspended, you are currently unable to use all of Navy Federal 's Bill Pay Service 's features. To cancel a pending payment or to print a list of your e-bills and payments, go to Bill History.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-15

Washington, DC

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2015-08-14

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2015-08-13

Dublin, GA

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: Yes Timely Response

2015-08-13

North Hills, CA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2015-08-12

Julian, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: No Timely Response

2015-08-12

Making/receiving payments, sending money

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

2015-08-12

Sugar Land, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-08-12

Norfolk, VA

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

2015-08-12

Alexandria, VA

Using a debit or ATM card

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

2015-08-12

Marysville, OH

Credit determination

Credit card:

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

Disputed: No Timely Response

2015-08-12

Stewart, AL

Billing disputes

Credit card:

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

Disputed: Yes Timely Response

2015-08-12

Chester, VA

Credit determination

Credit card:

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

Disputed: No Timely Response