NAVY FEDERAL CREDIT UNION

2019-07-10

Washington, DC

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: On XX/XX/2019, I sent Navy Federal Credit Union ( NFCU ) a written request for debt validation under the authority of Fair Debt Collection Practices Act, 15 USC 1692g, in connection with a debt collection letter I received from NFCU on XX/XX/2019. Today, XX/XX/2019, I received a letter from NFCU dated : XX/XX/2019 that states that they have reported my account to the major credit bureaus, despite their failure to validate the debt, or prove their claim. I have attached the letters as part of this complaint. Possible Intent : NFCU did not respond in good faith when I disputed a {$2000.00} charge on my credit card in connection with services that were not provided as promised/agreed. After unsuccessful attempts to address the problem directly with them including documentation of violations of the Fair Credit Billing Act by them, I filed a complaint with the CFPB. Again, their responses were not in good faith. Ultimately, the CFPB added my complaint to its Consumer Protection Database, shared it with the Federal Trade Commission, who added my complaint to their database for state and federal law enforcement agencies. After that, the CFPB directed me to contact XXXX XXXX, a consumer-protection investigator in DC 's Attorney General 's Office. Mr. XXXX asked me to again try to resolve the issue directly with NFCU. I wrote them letters, but again they did not respond in good faith. Rather they continued to fabricate accounts. Mindful of my interactions with NFCU, I think that it is probable NFCU illegally reported their bill for the checking account to the major credit bureaus to continue their pattern of attacks against me. Perhaps they believe that by attacking my credit worthiness, and sullying my reputation, others businesses and organizations will likewise attack me, or cheat me in my interactions with them. They may hope that I will be bullied into silence for fear of attacks from them and/or their accomplices, so they can dually avoid accountability for defrauding me of my right to recover the {$2000.00} payment, as well as deprive me of my rights that exist to guarantee that no one can treat me this way. This is a statement of a hypothesis that I have confidence in. To the extent that it is reasonable, I will share the evidence of my claim as appropriate. NFCU likely knows that their actions are illegal. However, hopefully by sharing this information with them, they will cease and desist, rather than continue their pattern of criminal conduct and unethical dealings. I have attached the documents that prove my claim in connection with their recent actions. I can also make available the documents that relate to my previous complaint, as well as other evidence that record my interactions with NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-10

Taft, OH

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-10

HI

Fees or interest

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

Charged too much interest
Complaint: XXXX XX/XX/XXXX CFPB, I am XXXX XXXX. XXXX. Navy Federal Credit Union is NOT in compliance with your " Cease and Desist-ORDER '' dated XX/XX/XXXX. I've negotiated with NFCU concerning my Visa Account ; with letters ; Messages on my account website and contacted NFCU's-Personal Finance Counselor. They won't negotiate lowering interest rate from 15.24 % to a much lower rate. I slowed use of NFCU by stopping/slowing withdrawals and use in XX/XX/XXXX. Now I get Harrassing texts onm cell phone and Blocking access to my Checking Account activity. Website shows Checking balance but Can't Open " Checking Account '' to view actual Deductions. Gentlemen, I don't know what else to do!!!! They obviously continue to " VIOLATE '' your ODER. This is XXXX. What happened to Complance with " Your Order ''? I need help to get this Visa Account to a manageable place! I will pay this debt but NFCU must have Targeted Me for some reason! I hope you review my Complaint. Communication and other banking issues are also present. Rogue Banking! No Compliance. No personal interaction with NFCU Members! Sincerely, XXXX XXXX. XXXX NFCU Member since XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-10

Havelock, NC

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

2019-07-10

Kansas City, MO

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: I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Navy Federal is reporting an alleged Inquiry for date of service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-10

Tampa, FL

Fraud or scam

Money transfer, virtual currency, or money service: Check cashing service

Complaint: Hello. I posted my resume on XXXX, which is a translation job offer website. On XX/XX/XXXX, I got an email from a guy named XXXX XXXX. He offered me a translation job and I accepted it. He asked me to send him a proforma invoice and I asked him {$1000.00} for the work. On XX/XX/XXXX, I got the check in my mailbox. He said his bank account mistakenly sent {$2100.00} so send him {$1100.00} back. On XX/XX/XXXX, I deposited the check into my checking account at Navy Federal in XXXX, FL. It was deposited instantly so I thought the check has no problem. I never thought a bank would deposit without checking if the check is true. I asked him how I can send him the surplus and he said XXXX, and I sent {$1100.00} on XXXX. On the same day, my accounts and cards were hold by navy federal. I filed a complaint to navy federal and XXXX right away. but the next day Navy emailed me as following : We have investigated your {$1100.00} debit card claim against XXXX XXXX XXXX XXXX XXXX We found that no error occurred and we are unable to process the claim in your favor for the reason specified below : Once a funds transfer is requested and completed, the service has been rendered in full. You will need to contact the recipient for reimbursement directly. As of the date of this notification, your dispute claim has been closed. I had some amount of money on my saving account but I was told I have to pay the negative balance to have an access to my own account. So I did, because I needed the money on my saving account. Doesn't bankers have responsibility to check if a check is good before deposit? Doesn't Navy Federal have a responsibility about depositing a fake check? Is it even legal to hold my saving account which was irrelevant and made me pay to have an access to my account again? Is there anyway I can get my money back? Thank you so much in advance.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-10

Rinely, PA

Applying for a mortgage

Mortgage: Other type of mortgage

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

Timely Response

2019-07-09

Atl, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2019-07-09

Newnan, GA

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: The company is still reporting the wrong information ... its shows 30days late on different months and the in the report I have found severa inaccuracies. So if I can see the inaccurate information. How they cant. What did they check the information on to see that it was accurate ... I dont understand how in XXXX I was 30days late with XXXX but on time XXXX and XXXX. Then in XXXX late with XXXX and XXXX and on time with XXXX ... My Open Date is Wrong, My Last Reported Date Is Wrong, Date Last Active Is Wrong, Date Last Payment Wrong .... So Please Tell me how there following the laws of the FCRA if the information they say to be true and accurate is not In fact accurate ... I Never missed a Payment ... please update my credit report to payed as agreed and remove the 30day late payment from my report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-09

Anaheim, CA

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

2019-07-09

Lehigh, FL

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 monetary relief

Timely Response

2019-07-08

Montevallo, AL

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

2019-07-08

Brooklyn Center, MN

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-08

AL

Fraud or scam

Money transfer, virtual currency, or money service: International money transfer

Complaint: I was brainwashed and scammed by a con artist who I met on XXXX. He entangled me in a money exchange scheme with my XXXX and Navy Federal accounts. He talked with me everyday for 1 1/2 years then got me to wire him money and also lied about money he transferred on my credit card. It ultimately cost me ~ {$41.00}, XXXX dollars and I had to file bankruptcy XXXX of 2017. I now have a potential for fraud risk notation on my consumer report. I filed a police report and had to subsequently file bankruptcy. This has devastated me financially and emotionally. I never thought a person would be bold enough to scam or be dishonest on a military account. I feel stupid, ashamed and guilt. I have never committed fraud and was scammed out of my financial future.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-07

Greensboro, NC

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2019-07-06

Washington, DC

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
Complaint: Hello CFPB This is a follow-up from your last message to me on XX/XX/XXXX complaint ID XXXX. Navy Federal has yet to contact me and settle this issue. I paid the fee to XXXX because Navy Federal will not reply to me nor refund me my money of {$25.00}. Now this entire issue has caused anothe problem with the fee I paid to XXXX. XXXX can not figure out what happened to the fee I paid on XX/XX/27 which covered Navy Federal 's check with no money value on it. Again I was not aware there was no money value on the check.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-05

Baltimore, MD

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-07-05

VA

Closing an account

Checking or savings account: Savings account

Can't close your account
Complaint: Navy Federal Credit Union blocked access to my debit card when I was away from home attempting to purchase food items. I called to get clarity why my card was blocked and was told I must physically appear at one of their branches to get it unblocked. I stated their branches are eight hours driving distance away from my home and I can not drive said distance due to being XXXX and elderly. On Friday XX/XX/2019 I called Navy Federal Credit Union and spoke with someone named XXXX in security and a supervisor named XXXX asking both to close said accounts because I opened said accounts over the telephone and I will close those accounts the same way. He stated that it's not feasible ; therefore I'm turning to The Consumer Financial Protection Bureau to force Navy Federal Credit Union to use a ethical, fair, and reasonable methodical approach and close my checking and savings account. For medical and safety reasons it is in my best interest not to have any more dealings with Navy Federal Credit Union. Please expeditiously remit the refund payment sum total of XXXX XXXX Dollars { {$230.00} } to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-05

Flushing, NY

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

2019-07-03

TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: My name is XXXX XXXX Navy Federal keeps reporting a negative account on my credit that does not belong to me Ive reach out to them numerous times and still no action has taken place to remove it or delete it
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-02

Moapa, NV

Closing on a mortgage

Mortgage: VA mortgage

Complaint: As a XXXX XXXX veteran, my wife and I reluctantly closed on a loan ( XXXX ) in XXXX, NV with Navy Federal Credit Union and XXXX XXXX XXXX for {$320.00}. Because of their miscommunications and incompetence, they put our financial future at risk by not delivering our closing documents to the title company in a timely manner. The contract on the single-family residence was to be executed by XXXX19 which they assured us it would be completed and submitted before this date. However, when we showed up for our XXXX closing on XXXX19, the staff at XXXX stated that we were not cleared to close because NFCU had not submitted the loan documents yet. This was very alarming because it not only jeopardized us losing the deal but also our {$5000.00} earnest money deposit, which was decided by NFCU to be rolled into the closing cost and not returned to us at the closing which was what we wanted, {$600.00} appraisal fee and {$320.00} inspection fee. Consequently, we had to sign the incomplete loan package or loose our hard earned money. At the closing, we were shocked to find the following items were missing or incomplete : 1 ). Did not include a Truth in Lending disclosure to fully explain the terms of the loan. 2 ). Did not include an Amortization schedule. 3 ). Parcel ID number was missing from multiple pages. 4 ). Did not include pest inspection invoice that was submitted at least twice. 5 ). Told us that we were responsible to go back home and wire a penalty cost transfer {$1100.00} to NFCU which was no fault of ours but rather NFCU not being able to have the completed paper work timely to XXXX. I explained from the start of the loan on XXXX19 that I needed the EMD back after escrow so that I could make repairs to the house. XXXX, NFCU loan officer told us we had to bring {$1100.00} to the closing just to do the deal but actually it was to be wired. They actually penalized us for their fumbles and mistakes. I feel like I was bullied and strong-armed into the loan. Looking back at this experience, it was a horrible business encounter that I wouldn't wish upon anyone. Especially veterans who trust NFCU to protect their hard earned money and investments. I'm still in shock! How could this happen? I don't know what to do. I would greatly appreciate some help and expertise in this matter. I would like to get my money back and start over with a different lender. I don't feel comfortable with this loan which could lead to a financial disaster for my family ... .Please help?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-02

Cane Creek, AR

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

2019-07-01

Washington, DC

Incorrect information on your report

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

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

Timely Response

2019-07-01

Clyde, SC

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-30

PA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I reported fraud charges while pending and the bank navy federal credit until let the charges go through. I then filed a dispute and they deemed the charges valid and I have not been refunded. Im not sure why the charges were cleared and now not refunded. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response