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 28
2019-05-24
Ft Lauderdale, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: My name XXXX XXXX, I've been XXXX from the US Military since XXXX. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it.
Apond pulling my credit I found several items that I never applied for, one item on my credit profile is a credit card from Navy Federal credit Union.
I never applied for a card from this credit Union. If you look at my credit profile I have live only in one state after I XXXX from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in XXXX Florida.
My credit have been used fraudulently and I am asking for this credit card to be removed form my credit profile.
I have reached out to the three major credit bureaus and submitted a claim of fraud on my account.
Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request.
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
{$3900.00} Balance Open XX/XX/XXXX Closed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-24
Forest Heights, MD
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-23
Charlotte, NC
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: I found out end of XX/XX/XXXX that there was an account for a credit card I didn't recognize, this account is showing on my report and the bank is Navy federal credit Union. My ex-husband open and used this account on his own with my information, without my consent.I called NFCU and they help me report the fraudulent account, however, they are telling me that since the account was set up in my name I'm responsible for any balance. XXXX XXXX had set up the account using his email, phone number, mailing address, setting up username and password as well. it seems that has been using this account to pay off credit cards on his name making balance transfers electronically. I believe he was not able to open an account on his name with NFCU due to the fact that he previously filed bakruptcy. Also, I remarried and changed my name legally in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-23
Davie, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-23
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
Complaint: Credit Union Written Statement of Forgery for Credit Card Please retum the completed form within 10 business days to Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX. or, you can fax it to XXXX.
The transactions identified below were not authorized or signed by me or by anyone acting upon my authority or with my consent or knowledge. I have not authorized anyone else, orally or in writing, nor have I given consent, nor do I have knowledge of implied consent, to use or have possession of this Navy Federal Credit Card. Neither l, nor any person ( s ) authorized to use my Navy Federal Credit Card, have received or will receive goods or services, or will otherwise benefit, directly or indirectly, from the transactions identified below.
I believe that sales drafts, ATM transactions, telephone/mail orders, or applications bearing my purported signature, or the purported signature of person ( s ) authorized to use my Navy Federal Credit Card following the date reported above, are and will be forgeries.
The tansacion ( s ) were not made by anyone acting my authority or consent or identified by me nor upon with my knowledge. have no knowledge of the id -can identify the suspect as : Address Phone No. Security List of Fraudulent Transactions ( Required ) Please list all fraudulent charges in the space below to ensure that they I certify to the best of my knowledge and belief tiat all the information on this form is true, correct, complete, and rnade in good faith. I also understand that this information may be provided to federal, state, and local law enforcement agencies for such action widlin their jurisdiction as they deem appropriate. I understand that knowingly making any false or fraudulent statement or representation may constitute a violation of 18 U.S.C. or other federal, state, or local criminal statutes and may result in imposition of a fine, imprisonment, or both.
Cardholder Sign re List Continues on Back XXXX XXXX Navy Fedal NFCu XXXX ( XXXX ) -ist of Fraudulent Transactions ( Continued ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX NFCU XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal XXXX XXXX XXXX XXXX XXXX Card MINIMUM PAYMENT DUE PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED XXXX XXXX XX/XX/XXXX XXXX xxx xxxx xxxx XXXX $ PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE.
PLEASE MAKE CHECK PAYABLE AND MAIL TO : NAVY FEDERAL XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX FL XXXX XXXX SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION Previous Balance {$8500.00} Payments - {$170.00} Other Credits * {$0.00} Purchases + {$1.00} {$26.00} Cash Advances + {$200.00} Fees Charged Interest Cha ed + {$93.00} New Minimum-payment Duo {$210.00}.
Payment Due Date XX/XX/XXXX Late Payment Waming : lf we do not receive youd @ minimUm payment by the date listed above, you may have to pay a- $ XXXX late fee and your APRSOaybe increased up to the Penalty APR of 18.00 %.
Minimum Payment Warning : If you make only the minimum payment each period, you will pay more in interest and it will tak & you longer to ay off your balance. For example : Balance {$10000.00} Past Due Amount {$0.00} Credit Limit {$17.00} ; XXXX Available Credit $ XXXX Cash Limit {$5.00} ; XXXX Available Cash {$4.00} ; XXXX Statement Closing Date XX/XX/XXXX Da s in Billin cle30 Ifyou make no additional charges using this card and each rnonth you pay. You will pay off the balance shown on this statement in about.. And you will end up paying an estimated total of ...
minimum payment years {$20000.00} Navy Federal More Rewards American Express @ Card Rewards Details Rewards for XX/XX/XXXX Qualified Spend Rewards PoinE Groceries {$8.00} @ 3x 27 Gas Stations {$210.00} @ 3x 636 Restaurants {$0.00} @ 2x Other Eligible Purchases {$1700.00} XXXX Total This Period {$1900.00} XXXX Total Reward Year to Date {$10000.00} XXXX CREDIT CARD CHANGE OF ADDRESS NFCU ACCOUNT NO. CARD ACCOUNT NO.
RANK/RATE NAME ( FIRST Ml SUFFIX ) NEW ADDRESS CITY STATE ZIP CODE APPLICANT OR CO-APPLICANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLETO : THIS CARD ONLY ALL APPLICANT 'S NFCU ACCOUNTS C ] JOINT NFCU SAVINGS IS A JOINT ACCOUNT HOMETELEPHONE WORKTELEPHONE
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-22
Discovery Bay, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: VA mortgage
Complaint: I was trying to apply for a XXXX streamline with Navy they ran my credit without seeing if I prequalified according XXXX XXXX XXXX.Asking basic questions when I close on my current loan or how many payments I have made. I f all the information was captured I would of waited to file my application. I did not know I had to wait 6 payments or 210 days from prior refinancing because it doesnt say it on Navy Federal website for the consumer.
Also the person that is taking the applications should know lending guidelines when taking applications because it would of saved me a lot of time with scanning in my income documents.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-22
Camp Springs, MD
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-22
Bellevue, TX
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
2019-05-22
San Diego, CA
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Money was taken from your account on the wrong day or for the wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-22
Birmingham, AL
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 non-monetary relief
2019-05-22
Tustin, CA
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
2019-05-22
Augusta, GA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I called this company numerous of times Navy Federal Credit Union because I was being fraud 2xs they gave me a provisional credit and. A new card ok cool then come back and say we didnt find any error so we closed the case ok a second time same thing how do these people keep getting my information you guys advertising that you will protect my money but definitely not showing it and Im definitely not gettin. Protected at all and now theyre holding on to my money saying that I cant get it out because its theirs when some one overdrafted my account Im closing this account out I see why no one wants to come here because yall are bad for business and definitely not who you say you are and Im posting this situation in social media, news companys etc so the whole world can know that you guys are fraudulent and definitely dont protect other people information i am now behind on my bills thanks to NAVY Federal and give me my money or Im getting a lawyer involved in this and thats that.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-21
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
2019-05-21
San Jacinto, CA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I learned today, via my wife, that Navy Federal withdrew {$160.00} from our Joint Checking Account with Navy Federal to pay a past due credit card balance with no previous authorization from myself to do so. They won't speak with my wife because, despite being a joint account holder for the checking account, she is not a joint holder on my credit card account. Now typically, as shown through my Navy Federal Credit Card ( XXXX XXXX XXXX XXXX ) payment activity, when I do miss a payment, I pay twice the amount the following month. Now, no one from Navy Federal Credit Union called me and left a message regarding the past due bill, they just automatically withdrew the money. Initially, I had my wife reach out to Navy Federal to resolve the situation but despite being a joint checking/savings account holder, they would not speak to her about the unauthorized deduction from the account because it involved my credit card, to which she is not a joint holder. In speaking with the credit collections department at XXXX, today, XX/XX/2019, they stated as part of Navy Federal 's Credit Card 's Terms of use they can make an such a deduction. I explained to them, that this is not legal and specific authorization has to be made by me or my wife to do so. I requested, then demanded the return of the {$160.00} as that is my son 's money ( who is XXXX going to be XXXX ). I am requesting the CFPB look into this issue regarding financial institutions who issue credit cards being allowed to make unauthorized deductions from private accounts without obtaining verbal or written authorization to do so. Thank you for your time.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-21
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
2019-05-21
Hiram, GA
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2019-05-21
Gloucester City, NJ
Applying for a mortgage or refinancing an existing mortgage
Mortgage: VA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-19
Warrenton, VA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: My previous complaint number XXXX filed on XX/XX/2019, is related to this complaint. On XX/XX/2019, I called NFCU and left a message that I want in writing a letter stating that the credit card charges were an error reposted by Navy Federal Credit Union and the charge should not have been reposted to my account. This assures me if the charge is ever reposted by Navy Federal I have documentation to support removing the charge. On XX/XX/2019 I received a call from XXXX a Navy Federal representative stating the charge was removed. I informed her I want it in writing and left a message for the representative. XXXX said she would follow up with the representative to insure a letter was sent. I have heard nothing back from XXXX or the representative.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-19
Black Horse, PA
Getting a loan or lease
Vehicle loan or lease: Loan
Problem with signing the paperwork
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2019-05-18
Cheverly, MD
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: Navy Federal Credit Union. Visa Credit Card They are charging so much in interest that I cant pay off the debt. I have called and they will not lower the interest. The interest for cash advance is so high and accrues daily. 5 yrs ago I needed a cash advance while going through a separation. Each time I make a payment it is absorbed by interest and never toward the balance until this day. I asked if I could pay the cash advance off and customer service replied no. So it keeps adding and I cant reduce the debt unless I pay it off in full, which I cant do. Im paying monthly, but getting no where. I opened the card while going through a separation to help with expenses and did not understand the fine print. Now Im divorced, living in a small apartment, need to restore my credit, and Im trying, but cant make a dent in this card.
Company Response: Closed with explanation
2019-05-17
Fairfax, VA
Managing an account
Checking or savings account: Savings account
Problem making or receiving payments
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-17
Little Canada, MN
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-17
Cheltenham, PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-17
North Las Vegas, NV
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
2019-05-17
Centreville, VA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation