NAVY FEDERAL CREDIT UNION
Consumer Complaints
There are over 5340 complaints on file for NAVY FEDERAL CREDIT UNION. Dated between 2019-12-16 and 2011-12-05.
Complaints Page 24
2019-06-30
Jacksonville, FL
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: My private student loan account has been current with Navy Federal Credit Union Since XXXX. Some of the time until now my account has been in repayment, and for some of that time my account has been in forbearance due to financial hardship and my inability to make the monthly payments with my other debt commitments. I have submitted 4 consecutive forbearance requests during this time, all of which were approved. In early XX/XX/XXXX, I submitted another forbearance request which was denied by my loan servicer. I was told that the reasoning for my denial was that I am required to make 2 full months forth of payments before being able to submit another forbearance request. With this I have 2 problems : 1. ) If I were able to make 2 months worth of payments, I would not need to apply for forbearance. 2. ) On XX/XX/XXXX a representative from the XXXX XXXX Student Loan Collections department informed me that the rule for having to make 2 payments in-between every forbearance request was newly instated in XXXX of XXXX. I received no notice for the change in policy and could not have possibly prepared myself financially for their change in policy. The intuition offers no additional financial assistance ( ie. income driven repayment options ) that can assist borrowers with keeping their accounts current. Although I offered to pay half of my monthly payment at this time ( as this is what I can afford ) I was informed over the phone that a half payment is equal to no payment and will still result in consecutive negative reports to the three major credit institutions. They suggested that I attempt to refinance the loan, but that can not be done until the account is current. Additionally by making negative reports against my credit during my time of financial hardship, they are effectively sabotaging any chance I would have to be approved for a refinancing program.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-28
Buckeye, AZ
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-28
Seneca, SC
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-28
Houston, TX
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
2019-06-27
Chicago, IL
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
2019-06-27
Newnan, GA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: I was traveling in XXXX around late XXXX and made a purchase at a gas station for a piece of candy around $ XXXX. Once i returned home and checked my account i noticed a charge for {$350.00} at a market in which was the same place i purchased the candy. I called my bank to dispute the charge. I did not have a receipt and they said they would reach out to the market to request one. It has been over two months and i have not received my money back and my bank states that there is nothing they can do about it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-27
Dallas, TX
Closing on a mortgage
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-27
Clearwater, FL
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
2019-06-26
Plattsmouth, NE
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 explanation
2019-06-26
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
2019-06-25
Chicago, IL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief
2019-06-24
Odenton, MD
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem related to refinancing
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-24
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
2019-06-24
Hampton, VA
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
2019-06-24
MD
Struggling to pay your loan
Vehicle loan or lease: Loan
Loan balance remaining after the vehicle is repossessed and sold
Complaint: Misleading and lack of information between consumer and lender.
1.After receiving repeated calls from to Navy Federal collections in XX/XX/2019, lender decided he was being submerged with debt, fees owed to garage service in conjunction with making monthly payments to the bank.
2. Lender decided to call Navy Federal to start a voluntary repossesion, which was done on XX/XX/2019. Proceedings were put in place on XX/XX/XXXX. However nothing was put in place by Navy Federal and the lender as a legal agreement pertaining to such. No letters to sign or certified mail.
3. Meanwhile lender still receiving phone calls from collections that the loan was in good standing. And he still kept insisting that they come to pick the vehicle up from the garage because he was turning the vehicle in.
4. After calling the bank about three weeks later because it was still at the garge, Navy Federal decided they did not want the vehicle because it was an older vehicle and they would have to pay the garage storage fees and repair fees to take possesion of the vehicle. XX/XX/XXXX Navy Federal gave the vehicle to a recovery service, which forced the garage owner to take out a title lend against the vehicle.
5. Most embrassing after lender explained in XXXX the vehicle was at the garage because the shop owner was holding the keys with the intention that Navy Federal would secure the debt owed to him for repairs and storage fees. They had no intention from XX/XX/XXXX to take the car.
6. Aprox. XXXX XXXX the recovery service went to every family home in the neighborhood looking for the vehicle at a physical home address as if the lender was hiding the car or a liar about where it was stored and that was poor communication on Navy Federal 's part and an embrassment to the lender when it had been at the garage locked in storage since the day of repair.
7. Last complaint against Navy Federal, is that better measure could have taken place on their part. Having legal documentation saying they would or would not take possession of the vehicle. Not to give the lender false expections that they would accept the car in XXXX. Making a financial decision they did not want the vehicle and also not contacting the shop owner to say they would not be surrendering the car and they would pay his fees. The lender did not have proper communication with the bank and the shop to allow him to make other arrangements before he was totally without the car and the astronomical outstanding bills and still a car loan to pay back.
Fees as follows {$790.00} Repairs, {$3400.00} Storage Fees, {$600.00} Recovery.
How can a reputable business such as Navy Federal leave someone blinded to the fact that they don't care about you as a consumer. You lose your car and we don't want it, also it is our intention for you to pay us back. Your lost not our 's. Bad business practice on their part.
The lender could have made arrangements with family to pay for the repairs at least the vehicle would have not sat at the garage accumulating the fees.
What a disgrace the car was turned over to the XXXX XXXX XXXX XX/XX/XXXX, located in XXXX MD because of a mechanics lien and auctioned off on XX/XX/XXXX at the garage.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-23
Florence, SC
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
2019-06-22
Sacramento, CA
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Complaint: THIS IS A LEGAL NOTICE AND WILL BE USED AS EVIDENCE IN A COURT OF LAW On or about XX/XX/XXXX Navy Federal Credit Union repossessed my 2013 XXXX XXXX without providing my right to Due Process nor having cause to repossess my automobile.
In the year XXXX I requested transactional information of our auto loan agreement. To date Navy Federal Credit Union has not provided the information I have requested. Due to the fact that Navy Federal Credit Union either refused or failed to provide the essential transactional information I requested I informed Navy Federal Credit Union that I would cease to remit any payments to Navy Federal Credit Union as I was not sure and had doubts of the accuracy of the information of the auto loan agreement we signed.
On several occasions in XXXX and XXXX Navy Federal Credit Union contacted me about payment to my auto loan agreement. I never informed Navy Federal Credit Union that I refused or did not want to pay, I merely informed Navy Federal Credit Union that I would make payments upon receiving the transactional information I requested to ensure I was making the correct payments and in accordance with the agreement. I informed Navy Federal Credit Union that there was an error in my auto loan agreement and that I wanted to review the information first before making payments. Navy Federal Credit Union refused to provide the information.
Today, XX/XX/XXXX, without notice to me that Navy Federal Credit Union would take my automobile nor a Warrant issued by a Court of Law was presented to me as the Authority to take my automobile. Navy Federal Credit Union took my automobile without my knowledge consent nor authority to take the automobile.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-21
Saint Petersburg, FL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-21
Foothill Ranch, CA
Applying for a mortgage
Mortgage: Other type of mortgage
Complaint: I applied to XXXX XXXX HomeBuyers Choice on XX/XX/2019 and started the process of this loan, I received an email asking me to submit lots of paperwork to get the loan started which I summited everything almost immediately ( W-2, Paycheck Stubs, Signed federal tax returns for the last two years in which I submit that same day than a few days later I received an email response from XXXX who was my loan officer she replied on XX/XX/2019, in which she told me the document I sent was received and that the loan was on track, I received a mortgage loan conditionally approval on XX/XX/2019 in the amount of {$600000.00} since I had already picked the home and stared the escrow process since before that I had already received a Pre-approval letter for the amount of {$810000.00}. I schedule an appraisal for the property and paid Navy Federal {$490.00} to get that going I received an approved appraisal on XX/XX/2019 the loan was moving perfectly fine I had even a set closing date for XX/XX/2019, then I received the final closing disclosure on the XX/XX/2019 and the loan was unable to close due to the loan processor XXXX in which I tried numerous time to communicate with her and she never responded via email or phone calls she ignored me and my loan officer, I got reassigned out of nowhere a new loan processor named XXXX who was very helpful with the process but I did ask him that if everything was fine and why we had not closed on the according to date we had agreed to which was the 17th he told me that the file had reached closing and it was not supposed to reach that department yet. He told me not to worry that everything was fine and that we just needed a few things from underwriting, then I received a call from my sales agent that he had spoken to XXXX and that the whole loan had been denied. I felt mislead throughout the whole loan process in which I was preapproved for over {$800000.00} then I went and only asked for {$600000.00}, I was allowed to open escrow with Navy Federal knowing that the loan still had not been the final approval. this is terrible business practices as I have no lost half of my deposit which was {$6000.00} due to the sales having to move for the closing and unable to move for also having them fix items from the home, of course, they had reason to be upset for the loan not closing on time also XXXX Have lost my appraisal money as they are not willing to refund me that amount and made me take this unnecessary step to close a loan they had not yet to underwrite. making me lose time and money with a misleading company with no ethics.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-21
Finksburg, MD
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 monetary relief
2019-06-21
Fort Washington, MD
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't increase or decrease your credit limit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-20
Camp Springs, 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
2019-06-20
Covington, GA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: FHA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-20
WA
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: I flew on XXXX from XXXX, Washington ( USA ) to XXXX, XXXX via a layover in XXXX, XXXX ( XXXX ) on XX/XX/XXXX, XXXX. On XX/XX/XXXX, I was charged {$290.00} twice, for a total of {$580.00}. I am disputing this amount since the additional services were not provided by XXXX.
On XX/XX/XXXX, I purchased two Economy Class tickets on board XXXX for {$490.00} each, for a total of {$990.00}. These tickets were paid for in full at that time. This price was for two round trip airline tickets in XXXX 's Economy Class. At the time of purchase, I utilized XXXX 's upgrade tool. That tool allows a passenger to select a price they would be willing to pay to upgrade to Premium Economy class. I placed a bid a total of {$290.00} per ticket for a potential upgrade to Premium Economy. The tool advises the passenger if two Premium Economy seats become available prior to the XX/XX/XXXX flight, XXXX would have the option to charge me an additional {$290.00} per seat to upgrade to those seats. In this case, there were two tickets purchased, so the charge would be {$590.00} total. I received an email on XX/XX/XXXX stating that an upgrade to Premium Economy Class on the XXXX to XXXX segment was not available, and I would not be charged. My regular Economy Class seats would remain unchanged. ( see attached email from XXXX ) On XX/XX/XXXX, we flew from XXXX to XXXX and were assigned seats 44A and 44B. Those seats were located in XXXX 's Economy Class section, not their premium Economy Class. ( see attached boarding passes for HeaXXXX and XXXX XXXX along with the XXXX map ) The remaining segments from XXXX to XXXX, then from XXXX to XXXX and XXXX to XXXX on XX/XX/XXXX were made in Economy Class.
Upon XXXX 's failure to remedy this charge, I disputed the charge with Navy FCU on XX/XX/XXXX. At that time, they incorrectly categorized this charge as a " services not received '', but did not issue me a provisional credit. I informed NFCU at the time the credit dispute was miscategorized, yet they did not correct this. On or about XX/XX/XXXX, I was informed that the dispute was denied because I had in fact taken the flight ( despite the class of service being not what I paid for ). I appealed, and NFCU re-opened the dispute.
At that time, NFCU issued a credit to my account for {$290.00}, but they did not issue the other credit of {$290.00}. I am still out one of the {$290.00} fee 's charged by XXXX. When I call NFCU, I am told they are still working on the dispute, despite the fact I filed the dispute for both charges at the same time. NFCU granted one of the {$290.00} credits, but not the other. And they refuse to remedy this.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2019-06-20
Jacksonville, FL
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