NAVY FEDERAL CREDIT UNION

2019-05-17

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-17

Plymouth, FL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I applied for a purchase loan on XX/XX/19. It took days to get assigned a loan officer, who has been very unresponsive. It took 10bdays to get the preapproval for my loan, come to find out on XX/XX/19 they will not accept dividend income, which lowers my income by {$1000.00} per month. She indicated that if I could not prove dividend income for the past 2 years that we would not be able to move forward with the loan. She did not even provide other options or solutions based on the fact that I meet the federal housing authorities guidelines. My income per month is {$6400.00} Which I have already provided all of the verification documents for. My monthly expenses are XXXX XXXX student loans {$810.00} Dept of Ed student loans {$280.00} Auto loans {$300.00} & {$220.00} Credit card payment ( penfed ) {$280.00} TOTAL = {$1800.00} DTI = 29 % I have significant reserves {$60000.00} that can be used if nessessary to gets my DTI in-line to what they would prefer but anticipate it to be under 25 % on the front end and under 50 % on the back end. As it is currently structured my front end DTI would be 17 % and my back end DTI would be 46 %
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-17

Huntsville, AL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-16

Norcross, GA

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-16

Occoquan, VA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: We went to closing on XX/XX/XXXX paying off both Navy Federal Credit Union and NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . and XXXX XXXX XXXX. NFCU did not give us an payoff from NFCU itself instead NFCU had their attorney/collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . send the payoff that was confirmed XX/XX/XXXX by XXXX XXXX was the wrong payoff. After our complaint to your office NFCU and their attorney/collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . refused to send the correct payoff and was trying to destroy closing once again with their unethical and unlawful actions so we were advised to payoff full amount under protest. emails will confirm Enclosed are the emails from settlement company making full confirmation both NFCU and Beneficial were paid in full the amounts as Navy Federal Credit Union and NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXXXXXX . and XXXX XXXX XXXX required in their payoff notices/documentation to settlement company. We are still receiving harassing calls from NFCU and XXXX XXXX XXXX. NFCU informed us that they have the right to call because NFCU have not received payoff. Enclosed are emails XX/XX/XXXX from NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . stating on XX/XX/XXXX. Please see emails XX/XX/XXXX of settlement company confirming both wired payoffs for both XXXX XXXX XXXX. Both NFCU and XXXX XXXX XXXX are destroying our credit and is refusing to report to all the credit bureaus that both mortgage loans are paid off in full. We want Both XXXX XXXX XXXX to report both loans as payoffs in full and remove all damaging information destroying our credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-16

East Liberty, PA

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

2019-05-15

Cheverly, MD

Vehicle was damaged or destroyed the vehicle

Payday loan, title loan, or personal loan: Title loan

Complaint: I no longer have possession of car. Car was towed in 2008. The bank informs me that I can not close it because I owe them for the loan of the car. I wish to close my bank account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-15

Mobile, 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 explanation

Timely Response

2019-05-15

Trouble using your card

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

Can't use card to make purchases
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-15

TN

Applying for a mortgage or refinancing an existing mortgage

Mortgage: VA mortgage

Complaint: We recently applied for a Department of Veteran Affairs ( VA ) Cash-Out refinance mortgage loan with Navy Federal Credit Union ( NFCU ), Application Loan # XXXX, NFCU ID # XXXX. We chose Navy Federal because of your very competitive rates and reputation with military families. However, our application was very poorly handled. We incurred wasted time, money and were overall very frustrated with the inconsistent or incorrect guidance that we received. Furthermore, we received a credit denial letter after we had withdrawn our application. We submitted our initial application in mid-XX/XX/XXXX with the expectation of mid-XX/XX/XXXX approval/funding. We had purchased the home using a {$250000.00} Family Loan Agreement dated XX/XX/XXXX. Our assigned Navy Federal representative, Ms. XXXX XXXX, advised us that we met the requirement for the loan to be in place for 180 days after the title transfer ( XX/XX/XXXX ) in order to be refinanced by the VA. In early XX/XX/XXXX we were advised by Ms. XXXX that a lien was required to be filed with the local county. Per Tennessee XXXX County requirements, the document was signed and notarized on XX/XX/XXXX. After completing this request, we paid {$550.00} in mid-March for the requested assessment and termite inspection. In late XX/XX/XXXX, just a few weeks before our closing date ( XX/XX/XXXX ), we were informed by Ms. XXXX that the underwriters viewed our loan as commencing when we filed it with XXXX County. Therefore, they returned the loan because our existing personal family loan did not meet the VA seasoning requirement. No further details, explanation or apologies were given. Through our phone calls to the VA and researching the VA circular policy updates ( specifically Circular 26-18-30 ), we ascertained that a VA Cash-Out refinance loan requires the existing loan to have 210 days of seasoning ( vice 180 days as stated by Ms. XXXX ), commencing with the first payment on the existing loan. The regional VA office and another lender we contacted confirmed this understanding and advised us that our seasoning period began with the first payment on the original loan in XX/XX/XXXX. This differed from the Navy Federal interpretation that the seasoning started with the first payment on the amended loan in XX/XX/XXXX. Although I disagree with the Navy Federal interpretation, I understand that this is the lenders prerogative. In either case, the seasoning period would extend our closing date months beyond the original mid-XX/XX/XXXX closing date given. We were given the option to convert our application to a traditional loan, but declined in favor of applying for a VA loan at a later date or paying of the personal family loan with our savings. We therefore elected to withdraw our application and communicated this to our representative, Ms. XXXX. In light of the withdrawal, we were shocked to receive, on XX/XX/XXXX, a Statement of Credit Denial, Termination or Change from Navy Federal with the description of action taken as credit denial. The cited principal reasons were Value or Type of Collateral not Sufficient and NFCU does not grant credit under the terms requested. We have several serious concerns about how this loan application was handled : Since the required 210-day seasoning period is very clearly defined in VA Circular 26-18-30, we should have been made aware of that when we applied for the loan. NFCU advertises that Navy Federal Credit Union 's staff of trained mortgage professionals is here every step of the way to guide you through the ( mortgage ) process. The fact that the loan application was continued for nearly 45 days with no chance of approval by the agreed upon closing date is clearly a grave oversight and shows a lack of expertise. The Statement of Credit Denial we received on XX/XX/XXXX is not accurate. Upon fully grasping the situation due to my own independent research, we requested that the loan application be withdrawn. A credit denial was never discussed with us and was not required since we withdrew our application. The fact that our loan application was initiated and continued due to NFCUs poor counsel and gross ignorance of clearly documented VA policy incurred damages to us. We paid {$550.00} for a home assessment and termite inspection the week prior to withdrawing the loan because we were not made aware of the 210 day seasoning that would not even start until XX/XX/XXXX, per Navy Federals interpretation. If we decide to re-apply for a VA Cash-Out loan this fall, we will have to pay for a new assessment and termite inspection. We paid {$290.00} to XXXX County to register our personal family loan and {$15.00} to notarize it. If we decide to pay off our personal family loan with our savings, this money was wasted. The Statement of Credit Denial may be viewed as adverse information on our credit history and would impact our ability to obtain financing or receive the most competitive rates. In speaking with Ms. XXXX XXXX after receiving the statement, she referred to it as an adverse letter. Expecting a mid XX/XX/XXXX loan approval, we delayed renovations to our home that are important to the livability of this house. We spent many fruitless hours completing our application forms and gathering requested documents. We have addressed the credit denial issue with our loan representative Ms. XXXX XXXX on Friday XX/XX/XXXX at XXXX and she said she would forward the issue to her supervisor Ms. XXXX XXXX. We were promised that we would receive an answer within 24 hours. We never received a response. On XX/XX/XXXX, we submitted a letter to the President and CEO of Navy Federal Credit Union explaining the above. We requested the following remediation by XX/XX/XXXX : 1. Navy Federal Credit Union rescind the Statement of Credit Denial, Termination and Change for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 2. Navy Federal Credit Union send a confirmation letter that clearly states that the previously sent Statement of Credit Denial was in error and is withdrawn. 3. Navy Federal Credit Union send a letter of apology to us ( XXXX and XXXX XXXX ) and our personal family lender ( Mr. XXXX XXXX ) for the extended waste of time and resources in pursuing this loan. We received a confirmation letter from Navy Federal that the letter was received, but nothing else in the past 30 Thank you for your time and attention in rectifying these problems.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-15

Garrett Park, MD

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Complaint: My name is XXXX XXXX I was the Plaintiff in the divorce proceedings that led to the controversial property disputes, I have been a member of the Credit Union since XXXX, about 11 years ago while I was in the United States XXXX XXXX XXXX in XXXX XXXX XXXX. I got married in XXXX and I took my wife to join Navy Federal Credit Union through my access number and she became a member. We got a conventional loan in my ex-wife 's name for XXXX at about 5.5 % and both TITLE AND DEED in both of pour names as joint owners of the property. Shortly after that by XX/XX/XXXX we got a divorce and the court initially ordered that we sell the marital home and divide the proceeds into two then subsequently we entered into an agreement in a consent order that I should remain in the house and refinance the house by taking my ex-wife names out of the loan with a buy out option with Navy Federal. By XX/XX/XXXX, I advised the Defendant that per the court 's order, The house needs to be put in the market for sale and that she needs to move out of the property so that we can sell it immediately. The Defendant refused and threatened if I come to the property she would call the police. I made my way to the property and started getting it ready for sale. In the process, about four policemen came to me and asked what I was doing at the house and I responded that the property belonged to me and they asked if I have any proof then I presented the deed and title of ownership. The police apologized to me that they had received a false alarm from the Defendant of breaking and entry. The police advised her that a homeowner can not break into his own home by law and there is no law against stealing or destroying what belongs to you. Just as I was getting the home ready for sale, in XX/XX/XXXX, the frigid weather caused the pipes in the house to burst and the house became flooded. It took me several months to put the house together with the help of XXXX XXXX insurance company. At that time the Defendant did not bother to seek a trustee sale of the property as she was not living in there and never participated in the months of repairs, I did on the house. I spent months repairing the house alone all by myself with no helps from no one including the defendant. Later in XXXX, we put the house back on the market for sale after I have fixed it, then again in early XX/XX/XXXX the house got damaged again with an ICE RAIN clogged on the roof and penetrated the dry walls then I had to do the same thing again to fix the house alone with the help of the insurance company. In XX/XX/XXXX, while I was living in the house and repairing the house from the damaged by flooding, I was getting ready for work as a XXXX XXXX XXXX for the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in the early hours of XX/XX/XXXX I got hit by a drunk driver ( photo of the accident attached ) and I officially became a XXXX Veteran of the United States XXXX while still struggling to sell my house in order to move on from the heavily contested divorce with XXXX minor children. The subsequent order that gave Plaintiff the right to refinance the home and buy out the Defendant became the only feasible alternative considering Plaintiff 's XXXX STATUS and ONLY ONE WHO KEPT THE HOME AND REPAIRED WHEN DAMAGED since it would be harder for him to get a new loan but better keep what he already owned by simple FHA refinance with a buy out of the Defendant which solved the whole disputes and problems. I applied for FHA loan in XXXX and XXXX XXXX, Navy Federal Credit Union Staff with NMLS # XXXX was applied as Mortgage Processor and my application was denied stating that I did not have/meet the required minimum credit score of XXXX. In XX/XX/XXXX again I applied for the same FHA refinance loan with a buy out option, Navy Federal Credit Union denied the refinance again despite a new credit score of above 650 because I had paid credit repair services and have help removed derogatory accounts and paid off balances to make my credit score qualify for FHA refinance. Because Navy Federal had taken advantage of the dispute between the parties and in favor of the earlier court order that says the house should be sold instead of the second order that says the Plaintiff should refinance and removed the Defendant 's name from the loan with a buy out option. Navy Federal Denied Plaintiff 's FHA loan and opted for trustee sales of the house which led to the Plaintiff being a forced out of the house with all his personal belongings out on the streets and driveway and were all stolen by the neighbors. Navy Federal 's egregious and greedy conduct because of their financial gains rendered XXXX XXXX VET Plaintiff homeless with his XXXX children as we speak with all his personal belongings stolen and destroyed. Navy Federal has a copy of the court orders first and second and copies of the deed of recording and title of ownership. Navy Federal Credit Union was aware of Plaintiff 's fixing the house exclusively without any bits of help or cooperation from the Defendant. Navy Federal was aware of Plaintiff making mortgage payments on the loans despite his name not on the loan. Yet this ruthless credit union wilfully and maliciously sold his home and rendered him homeless while disable. The controversial consent order is currently being clarified by the circuit court in XXXX XXXX and it clarifications will show that Navy Federal acted with malice and in complete disregards of Plaintiff 's constitutional rights including the right to ownership of the property and to be safe in his home with his properties. The clarification will also show that the trustee committed fraud, an extrinsic fraud that legally guarantees the CANCELATION of the sales and voids the ratifications of the contract, a type of fraud that is above common irregularities or mistakes. In any event, Plaintiff maintains the trustee 's conduct and Navy Federal 's conduct led to Plaintiff becoming homeless as he has no way of controlling what happened to him or the reasons why he became XXXX while his properties sold without him being given not even a single penny from the proceeds and his personal belongings were vandalized and stolen completely. The order was acted upon to the contrast and also was misinterpreted completely to suit their own financial profits and rendered an innocent man homeless with his children.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-14

Rowlett, TX

Incorrect information on your report

Checking or savings account: Other banking product or service

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

Timely Response

2019-05-14

Fleming, GA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: XXXX XXXX XXXX XXXX XXXX [ XXXX, GA XXXX XX/XX/XXXX Fraud Department Navy Federal Credit Union ( NFCU ) XXXX XXXX XXXX XXXX VA XXXX Dear Fraud Department : I am writing to appeal the decision to not allow me to have a debit card for my accounts. I did one Via Secure Messenger however, I am trying to allow NFCU to do the right thing in this situation. On Wednesday, XX/XX/XXXX that my debit card for my account was no longer usable for a year. This didnt phase me because I had already made it known that the account should be closed. So on XX/XX/XXXX I called NFCU and spoke with a customer service department. After asking about when my account would be closed? I was told that day XXXX, XXXX XXXX. 1st lie. I then brought up the letter about my debit card I asked to make sure everything else was okay with the other debit cards. She checked at told me it was only for the card to the account I was closing. We talked a few minutes about ID THEFT because we both had been through this issue, Although she admitted my situation was far worse. I asked again to make sure all my other cards were working and safe to be used from their end. She assured me again checking other accounts that it was a block for only that card. After that, she told me they send those letters out when someone is closing an account after only having it opened a short time. I told her I understood that but, that with the fraudulent charges on that account it was what NFCU recommended that I do. She told me that would be the way to deal with it. As she was looking up my account she saw that I had been issued 15 debit cards to 4 accounts. I told her yes it was because every single time I opened a new account it would have fraud issues. I told her I had spoken with all three credit unions, The FTC, State and Local law enforcement, XXXX and USPS, and The Social Security Administration. I explained XXXX had done a deep web search and found out all my information was out there for people to buy or sell. That was the reason my accounts were hacked they had my social security number. I told her when I was well enough to go into public places I would be applying for a New SSN. She told me that she would do the same. She then asked if my illness was ongoing I told her that I have been battling XXXX XXXX, XXXX, XXXX, and XXXX XXXX for about 7 years. That I was immune compromised so going into public places was always a high risk for me. She told me she hoped that the doctors would find answers. I said thats why Im asking to make sure my other debit card would work. She told me emphatically YES. So If you lost count that was four times in that conversation alone that I was told that my debit card would be just fine. Later that same day XX/XX/XXXX around XXXX XXXX I tried to purchase some OTC medication on XXXX and my card wouldnt work. I called NFCU again and spoke with a man who worked in the Fraud department what was going on with my debit card. He told me after looking at my account that everything was fine that my debit card was not blocked in any way. He said it was probably a glitch in the system. I asked if he was absolutely sure after I told him about the letter he assured me that the letter was strictly for the account I was closing. So I asked when the system glitch would be over. He said to give it an hour or so. I waited until around XXXX XXXX to try buying my medications on XXXX again and again my card was denied. So then I went to another website and tried my card on that site. Again my card was denied. At this point I was frustrated. I called NFCU again at around XXXX XXXX and was transferred to the fraud department again. I told them the glitch was still going on or there was something wrong with my card. This time I was told that my debit card to my new personal account had been canceled and I would no longer be able to have a single account card until XX/XX/XXXX. I asked why and was given the reason that I was in breach of my debit card agreement. Knowing this was not true I pulled out my agreement and read through each of the sections over the phone. When we got to number 10 it said they could cancel my cards at any time for any reason without telling me first. However, two other rules stated that NFCU will alert a member if there is a problem with their account. Since I had called in twice previously this was absolutely not okay with me. The man then told me to call back the next day and speak to a supervisor. I asked him why couldnt I just talk to one now since I was away from home getting treatment at the XXXX XXXX in Florida. He said they were busy. I could tell this conversation was going nowhere so I agreed to call back the next day. So to quickly summarize XX/XX/XXXX I was told my new debit card was fine and would continue to work six times. Then I was told that all cards in my name had been canceled until XX/XX/XXXX. I was told I couldnt speak to a supervisor given the reason they were canceled made NO sense at all. This was causing a lot of stress when I already told NFCU I had major XXXX issues. These problems were keeping me from being able to do the things I needed to do like pay for medications at XXXX, order new otc meds from XXXX, buy the other things I needed while away from home. My XXXX told me that I am not to be under stress. Being lied to six times and not being able to fix the problem was beyond stressful to the point it was hurting me physically. XX/XX/XXXX I called back since that is what I was told to do. I asked to speak to a Fraud department supervisor and I was told that none were in the office until Monday, XX/XX/XXXX. I told them I was told by a Fraud department worker to call back on the XXXX. The customer service rep. ask me what the problem was. I told her what had happened. She said she couldnt do anything about my account or debit card because it was already with the fraud department. I said fine does my debit card for my joint account with my husband work? She said yes and the only way NFCU could cancel it would be if my husband asked for me to be taken off the account since he was the primary owner. That the fraud department or NFCU didnt cancel debit cards to joint accounts unless the owner wanted it. If they did so it would be in breach of contract. So I thought that well at least I could try to do things using that card. It was not a good solution however, it would give me access to my money. So that day was a bust, for the most part, all that happened was the man on XX/XX/XXXX just wanted me off the line. Telling me to call on a Saturday when the Fraud department wasnt open. Finding out that the joint account card which I rarely touch because of how my family does banking would still be in use. So I have one working card better than nothing. Monday, XX/XX/XXXX I called NFCU bright and early at XXXX XXXX. I asked to speak with a Fraud department supervisor. I was told I would have to speak to a Fraud/Security team member first. Fine, So I was put on hold for seven minutes until a Fraud team member came on the line and asked me what my problem was. I explained about the debit card being closed without a reason as to why it was closed. I told them that I had been told 6 times that my card would not be closed and yet it was. I told the person that the only card I could use was to the joint account and that didnt work well for me. I was placed on a brief hold ( 16 minutes ) the rep came back on the line and said yes all cards had been canceled and the decision would not be reversed to just use the joint account. So I asked if the joint account card would work. I was again told unless my husband the main owner called and had the card canceled that they couldnt cancel that card because that would put NFCU in breach of contract. I said okay. I still wanted to speak to a supervisor about my account because I deserved an answer about why my other card had been canceled. So I was put on a brief hold again ( 8 minutes ) the rep came back and said the person I would need to talk to wasnt in and that they had no idea when the person would be in but I could leave a voicemail and they would call me back. So after being transferred which amounted to another ( 18-minute hold ), I was sent to a survey they do at the end of every call. I was very very very annoyed and called right back. This time I spoke with another fraud department rep. She transferred me to her boss almost instantly. After the supervisor, XXXX was looking over my accounts and the situation that was happening she said this that they canceled my card because I am only allowed to have six debit cards a year in my name. I couldnt have more than five fraud claims a year and I was considered a high-risk member. I thanked her for her honesty about why my card was canceled here though is where I ran into a problem. None of the reasons she gave me were stated anywhere in the debit card contract and every card was issued by the advice of an NFCU rep. That EVERY fraud claim I had filed had been found to be actually fraudulent by NFCU and that the policy written in the debit card contract said I was to be issued a new card for any fraud on my account. So the reasons contradicted their own policies. She agreed that I was 100 % right. She told me I could appeal the decision to include all my efforts to stop the fraud as well as any medical reasons why the decision was the wrong one. Until then I could get a prepaid card. I told her no that if I was getting prepaid it would not be through NFCU after all this. She also told me the joint account card would stay open per contractual agreement. So the XX/XX/XXXX calls were a little more productive at least in getting the reasons NFCU had canceled my card but not any solution to finding out how to fix my personal account debit card even though a fraud supervisor said that I had done NOTHING wrong. I was also told again my joint account card would be just fine. Lets remember my joint account card would remain open because closing it would be in breach of contract which was said to me five different times by 3 different people. XX/XX/XXXX I tried to use my joint account card and guess what it was denied. I called NFCU and talked to a Fraud supervisor named XXXX who told me that I would not be able to have cards with NFCU until XX/XX/XXXX. I told him I had been told numerous times by different people that they couldnt take that card away from me unless my husband requested it needless to say he hadnt requested it. Brain suggested I go into a local NFCU to get cash. I told him I was immune compromised and that wouldnt be a safe option for me. He said that he was sorry my appeal had been denied but there was nothing he could do about it. My claim was denied because I had 15 debit cards and had more than 7 fraudulent charges totaling over two thousand dollars. That it was a mathematical algorithm that decided I was to high a risk. I was so stressed, frustrated, and honestly angry. NONE of this was good for my XXXX. I, in fact, suffered a XXXX XXXX that very day. So to sum it all up I had spoken to 7 associates of NFCU that my joint account debit card would be fine due to contractual agreements. I had 4 fraud supervisors agree that none of the fraud and cards were my fault and that it was not written in any debit card agreement the number of cards a member could have. I spent well over 8 hours on the phone with different people over the last ten days to get nowhere because there is nothing anyone can do. So this letter is to reach out one last time to NFCU and then I will be moving on to the XXXX and Consumer Finical to get arbitration or court set up on this mess. NFCU has a code of ethics on its website for the world to see. 1. Act with the highest grade of integrity which requires honesty and being candid. ( I was lied to several times and given the rule around many times ). 2. Accept and recognize personal responsibility to build and maintain the NFCU name. ( The opposite is happening. ) 6. Use the Highest level of professionalism and courtesy. ( This didnt happen either ) After telling people how much I love NFCU I now am beyond mad to hurt by the way I have been treated. I have had undue XXXX XXXX and XXXX XXXXXXXX because of all that has happened. According to my lawyer suing for XXXX XXXX XXXX XXXX is something we can do. I am not that person by nature I want to give people and companies every possible chance to do the right thing first. So here is your chance NFCU please do the right thing. Sincerely, XXXX XXXX Member # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-14

AL

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Complaint: Money was sent to a Joint Navy Federal savings account in error by the United States Department of Veterans Affairs educational finance Department. By the time tracers came back and verified that my name was on the account that my money was sent to in error to this joint account the money was gone and could not be recovered in the amounts of {$93.00}, {$140.00}, {$180.00}. The Va submitted a ACH reclamation letter to the Navy Federal Credit Union ACH department and did not get a response as fas as information requested to recover the funds if they were not available from any other accounts from persons named on the joint account, or information for names on the account so that the va could send correspondence to the other individual on the account to repay the debt. I am now forced to act on civil litigation with the other individual on the account and do not know if there was any violation of my own privacy before and during all of this done by the other individual. I would like the federal credit union to comply with the Department of Veterans Affairs in retrieving the money in the amounts above and to have the bank contact the individual as requested by the VA to retrieve the information requested and help the Department of Veterans Affairs finish in recovery of the money deposited in error thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-14

Memphis, TN

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am writing this due to non-compliance with the ( XXXX XXXX XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-13

Centerville Branch, GA

Getting a loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2019-05-13

Calhoun Falls, SC

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

2019-05-13

And, SC

Incorrect information on your report

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

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

Timely Response

2019-05-13

MS

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: Follow up to complaint XXXX Co unwilling to help
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-13

Newport News, VA

Incorrect information on your report

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

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

Timely Response

2019-05-13

Stkn, CA

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2019-05-13

St Louis, TX

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

2019-05-10

Haynesville, VA

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-10

Lk Buena Vis, FL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I am disputing a charge on my checking debit card that was not authorized by me. On XX/XX/XXXX, I requested a pickup of clothing to be washed and I also had labels on each bag inside and out stating this. On XX/XX/XXXX the clothing came back dry cleaned which is a substantial difference in money ( {$220.00} ) in excess of {$200.00} of what it should have been. I called many times to ask for an error correction from the company with no luck and therefore disputed the charge with my bank. The bank decided there was no error on part of the cleaners. I am forwarding a few documents, letters and photos that were involved and I have many more if needed. Thank you for any help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2019-05-10

Spring Hill, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: on XX/XX/19 i paid a settlement to Navy Federal Credit Union and i was informed that it would be updated and the negative information about it would be removed. Since then the company has updated the information for the balance owed but instead of changing the status to closed it was changed to charge off which is incorrect since i paid them to settle the account and close it. This has dropped my score 70 points and has severely hurt me as i am trying to purchase my first home and this has made me ineligible due to the credit score decreasing significantly.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response