NAVY FEDERAL CREDIT UNION

2015-08-12

Clarksville, TN

Customer service/Customer relations

Other financial service: Traveler’s/Cashier’s checks

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

Disputed: No Timely Response

2015-08-12

Frankfort, IL

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

2015-08-12

Bel Alton, MD

Delinquent account

Credit card:

Complaint: Hello, I have a credit card account with Navy Federal Credit Union opened around 2012. I believe in the last few months I been receiving collection letters considering this account. I was SURPRISED because this account ALWAYS been paid on time never late. I reach out to Navy Federal and they stated that they did not have any information on me in their system. I give another representative my access number and he contacted his manager and they stated that my access number does exist. But this negative information is reporting on my credit reports. Can someone please help me in this matter it feels like I 'm going in circles.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-08-12

7 Corners, VA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-08-12

East Orange, NJ

Problems caused by my funds being low

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

2015-08-11

Beverly Hills, CA

Billing disputes

Credit card:

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

Disputed: No Timely Response

2015-08-08

Arlington, VA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: This may not fit under your " Credit Card '' category, but several months ago I purchased tennis shoes from XXXX XXXX and paid by credit card. During the process of check out I was asked if I wanted to sign up for the XXXX royalty card, and I said that I would. The cashier than began to tap through several menu options that appeared on the credit card machine that I was unable to read. A week or two later I began to receive charges on my credit card statement for a XXXX XXXX subscription, that at NO TIME during the checkout procedures was I asked about, let along agreed to. I believe the cashier must have clicked accept on my behalf without my knowledge during the checkout. I have searched online and have seen this happen at other stores as well. I believe XXXX XXXX may have a passive policy in place encouraging this type of behavior, perhaps other retailers as well. I think the CFPB should advocate for legislation, or develop a regulation, that would equate this type of behavior, signing customers up for unwanted products at checkout without their knowledge, to identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-07

Camp Springs, MD

Taking out the loan or lease

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2015-08-07

VA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: i found the website and applied to the site. XXXXand the site is no longer available. I received two cashier checks from theclients {$9900.00} and was told to deposit them then withdraw and put toanother account. and i am now been penalized for the checks. the checkswere fraudulent checks ps. XXXX XXXX has a website and he hasindicated that he is victim of identity theft. If he is indeed the perpetrator, Iwill be pressing criminal charges. On XXXX XXXX : the branch manager came up to me and said the following. XXXX : " the check is on a XXXX day hold, do you know where the check is from because if it s a bad check we would close the account to safe our butts. do you feel anything fishy about it? XXXX : '' I 'm a XXXX his from California and works XXXX. i really did n't think anything about it since it was a cashier check. " XXXX : " do you know the name of the bank? " XXXX : " XXXX something and its in California. " XXXX : '' ok ill call the bank. " i was waiting XXXX mins then the teller came back and started to finish my transaction. i asked her it it was ok, she said yes and i asked her if XXXX got in contact with the bank? she said yes. and XXXX never came out to talk me again nor pop up to see if i was being taken care of nor told what the bank said nor if she did get in contacted with someone.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-08-06

Carolina, PR

Credit determination

Credit card:

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

Disputed: No Timely Response

2015-08-05

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

2015-08-05

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

2015-08-05

Cheverly, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-05

Charlotte, NC

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: Yes Timely Response

2015-08-05

Wallington, NJ

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2015 I reviewed my account and notices another unauthorized charge was taken out my the XXXX request that fill out the form and submit then it will take XXXX hours to apply the money back to my. Navy Federal consently allow unauthorized withdrawal from my and they customers representatives treatment like I did when calling in to report a authorized charge. Please investigate the policy and procedures that Navy Federal uses to protect their customers from thing like this and make sure they are working 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

2015-08-05

Cheverly, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I obtained a Visa credit card from Navy Federal Credit Union XX/XX/XXXX over the phone and I was offered the credit protection plan that protects me from involuntary loss of employment, death and XXXX. I was employed the entire time on this program as a full time employer until XXXX XXXX, XXXX. I opened my initial claim in XXXX of XXXX and took a temporary assignment in XXXX XXXX and worked the assignment until XXXX XXXX, XXXX. I called Navy Federal to report another claim that I was not working on XXXX XXXX, XXXX and was told two weeks later that I did not qualify for the benefits due to my temporary work status and they did not cover temporary employment. I then explained that I lost my permanent job back in XXXX of XXXX, and that a claim had been submitted to use the benefits. I was told that they would open the initial claim I submitted in XX/XX/XXXX. I next received a call stating that I again was not qualified due to I needed to be unemployed for 30 days. I was told I should not have taken the temporary assignment in order to be qualified. I advised them at no time was I ever told that accepting temporary employment would disqualify me from using the benefits of the service. I was informed that It was in my disclosure and I explained to them that I was offered the service over the phone and never received any disclosure or had any program limits explained to me over the phone. I never was asked my status of employment when I was offered the service and was told that the benefit of the service was for coverage if I ever loss my full time job, death, or XXXX. At no time was I told accepting a temporary assignment that it would disqualify me to receive the benefit of the program. At that point I requested a copy of any written disclosure that may have been sent in XX/XX/XXXX as I never received one. I have not been given any disclosures regarding the program after multiple request. The company has not to date presented any documentation dating back to the time that I accepted the program for me to review or showing written acknowledgement of my consent. Additionally, I took a loan in XXXX XXXX and was offered the same program again by phone and was not asked my employment status. So it seems to me that this is a predatory practice by the credit union to have folks join by phone without offering any disclosures about program limitations. The bait and switch practice is to have unsuspecting customers pay for the program and when unfortunate circumstances arise and the program is needed it is only then that the company comes up with " disclosure '' reasons not to provide the coverage or provide the benefits paid for. In my case, I have paid for benefits since XX/XX/XXXX until XXXX and never have received the benefit of the service when needed in XX/XX/XXXX/XX/XX/XXXX. I have never paid my Visa bill late, have a stellar credit rating and now as results of Navy Federal 's unfair predatory practice I am facing a late payment history, potential negative impact on my credit and possible interest rate increases. Since XX/XX/XXXX, I have in good faith maintained this program to avoid having this type of situation occur. Navy Federal needs to be accountable and honor the goal of the program as it was sold to me instead of compounding an already difficult situation. The company 's attempt to refund fees for the service is insulting and a shameful attempt to exploit the desperation of my situation and a cheap alternative to not honor its obligation. It does nothing to resolve the situation for which I had already paid to ensure that if the circumstances ever arose, my exposure would be minimized.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-04

East Orange, NJ

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

2015-08-04

Vallejo, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-08-04

Wallington, NJ

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I have a Checking and Saving with Navy Federal Credit Union and I happen to inquired about Bill Payments to for one Extremely important my Life Insurance XXXX the Bill Payment was setup on XXXX XXXX, 2015 to be paid on XXXX XXXX, 2015. The Confirmation Number XXXX of payment for Navy Federal Credit Union. Then I contact XXXX XXXX XXXX to confirm they received payment to Customer Service Representative informed that no they did not received payment. So I contact Navy Federal Credit Union to request them to trace and confirm payment they stated that the bill payment was set up on XXXX XXXX, 2015 and the check for {$77.00} mailed via United State Postal Indiana the nearest payment processing center. The Check Number is XXXX and XXXX said that he can not trace the check and not even verify proof of payment. Please investigate that Navy Federal Credit Union are following United States Federal Banking Regulation and that they are working within the Federal Banking and Federal Credit Union Regulation and they following Bill Payment Regulations. I have no way of verification or payment
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-02

Deposits and withdrawals

Bank account or service: Checking account

Complaint: It all started on XXXX/XXXX/15 when I received an email describing a job for escrow agent for the XXXX XXXX company from XXXX XXXX. On XXXX/XXXX/15 I received another email stating that they needed this job filled immdiately. On XXXX/XXXX/15 I received a contract and a FAQ from XXXX XXXX. On XXXX/XXXX/15 I received an email from XXXX XXXX stating that XXXX XXXX welcomes me. On XXXX/XXXX/15 I received another email from XXXX XXXX advising me that I will be receiving payment from their customers for product received. On XXXX/XXXX/15 I received another email with invoices XXXX amt {$1100.00} and invoie XXXX amt {$1100.00} with instructions how to disburse the monies. On XXXX/XXXX/15 I received another email stating that I will be receiving 2 checks for the above invoices. They wanted me to use Reload-it cards to have the money sent to them once they cleard my bank but the Reload-it system was down. On XXXX/XXXX/15 I was sent an e-mail asking if there was a XXXX XXXX near me. On XXXX/XXXX/15 I was sent an e-mail instructing me how to dispense the funds via XXXX XXXX. After I sent the first XXXX XXXX for {$620.00} I was advised by my bank that I was overdrawn as the checks were returned by the Federal Reserve as fraudulent. I wasoverdrawn {$850.00} and now I have brought down my balance to a positive of {$150000.00}. I called the bank on XXXX/XXXX/15 and asked them if I could use my debit card but they told me that they were frozen. I am lving in XXXX XXXX and I have no money to pay my bills and I was hoping you could contact my bank and help me get my cards unfrozen. I have been withou funds since XXXX/XXXX/15 and now even with a positive balance I still can not access my funds which by the way is my social security. My bank is Navy Federal Credit Union XXXX. I have all the emails that started this whole fiasco if you need to see them I was the victim here and I feel that they are treating like a criminal. I did call Navy Federal Security Department and spoke to a XXXX who told me that they could not help me and I should report this to the XXXX Police which I did and they told me to file in XXXX which I did with the XXXX which forwards your compliant to the FBI, XXXX and the XXXX XXXX XXXX. All I need is my debit cards unfrozen so that I can have access to my funds
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-31

Haverhill, FL

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

2015-07-31

Orlando, 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

2015-07-30

Rocklin, CA

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

2015-07-30

Henrico, VA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2015-07-30

Washington, DC

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company can't verify or dispute the facts in the complaint Closed with non-monetary relief

Disputed: No Timely Response