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 31
2019-05-02
Savannah, GA
Closing an account
Checking or savings account: Checking account
Company closed your account
Complaint: Navy Federal closed my checking account back in XX/XX/2019. I have been trying to get this matter resolve since then. Until this day I have yet to get answer as to why my checking account was closed. I have email the CEO but have yet to get a reason as to why my account was closed. I really need CFPB to look into this matter for me. As I feel this was unfair as I haven't done anything wrong for my account to be closed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-02
Fort Huachuca, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-01
Cartersville, GA
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-30
Herndon, 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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-30
CA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Problem with personal statement of dispute
Complaint: I recently applied for a XXXX XXXX Credit card at the Navy Federal Credit Union after being approved with debit card. I received the debit card XX/XX/XXXX. I also received a reply stating that my credit card application number XXXX, dated XXXX was denied for the following reason, " YOU CAUSE NAVY FEDERAL A LOSS ". I served and XXXX in the XXXX for 20 years. I believe this is due to the bankruptcy I filled when I was still active in the service in the year of XXXX or XXXX ( that was more than 30 years ago ). I thought in accordance with the law, that bankruptcy stays in the record for a maximum of 10 years and can not be a basis anymore for disapproval. My credit has been successfully established since then.
The denial came from the Navy Federal Credit Union, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. Can you please shed some light on this matter and probably try to help me in obtaining a credit card, which is safer to use nowadays ' cause scammers are getting more aggressive and seems to be out of control. My E-mail : XXXX.
Respecfully, XXXX XXXX, XXXX, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-30
Jacksonville, FL
Managing an account
Checking or savings account: Other banking product or service
Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-30
Tarzana, CA
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: The institution is Navy Federal Credit Union the time is XXXX of 2008. An amount of {$1300.00} dollars not authorized by me was taken out of my Navy federal credit union account to pay for my lodging without my consent, It was stolen and they know it. I did email the last CEO last year and even though hes a retired admiral he said too bad so he can eat a bag of XXXX. I heard they have a new CEO maybe she can fix this. I know it is old but it is stolen money and I have put in requests talked to people on the phone and just get the run around will someone please help me. I am passionate about this because my mom takes XXXX meds and doesnt have alot of money so I help her out as much as possible. The account number is XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-30
Wesley Chapel, FL
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: On Saturday, XX/XX/2019 I had noticed an unauthorized charge in my checking account for {$900.00}. I immediately froze my debit card and went to the credit union to dispute it as fraud and be issued a new debit card. I was told I had to wait to file a " Fraud Claim '' til the amount posts to my account, " not pending ''. It cleared this morning XX/XX/2019, so I called and filed the claim. About 4 hours later I get an email saying " No error had occur ''. So now I'm going to have the funds they just placed back, taken out again for something I did not authorize to begin with. My debit card was not in my possession at the time this fraud occurred, so why am I being told otherwise?
Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-29
Springfield, VA
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
2019-04-28
Cols, GA
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 explanation
2019-04-27
Boloxi, MS
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: On XXXX 2018 I had a credit card with a limit of {$5000.00} dollars taken out under my account with Navy Federal Credit Union. I filed a police report and sent it out to all three major credit bureaus to resolve the issues and make progress to restore my credit in XXXX of this year. I also sent police report to Navy Federal but my claim was denied and I haven't received an answer to why. I have two other bank accounts that are open and didn't use my Navy Federal account which lead me to not have any knowledge of these fraudulent accounts for a while. Once I got the items removed from my credit report after about a month its showed back up on my reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-27
Lexington, NC
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I am a valid member of Navy Federal Credit Union, they have locked my account due to a fraudulent check which I e deposited. I have sent a Fraud Appeals 6 page letter about the fraudulent check ; however, Navy Federal Credit Union will not release my account so I can pay my Bill 's. I will gladly provide you with a copy of my NFCU fraud response. My telephone number is XXXX. My email address is XXXX. I look forward to either hearing or reading your response. Sincerely yours, XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-26
Desoto, TX
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
2019-04-26
Northside, NC
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-26
Laurel, MD
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-26
Incorrect information on your report
Checking or savings account: Checking account
Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-26
Mason, OH
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
2019-04-25
GA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-25
Quartzsite, AZ
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX, I applied for a mortgage with Navy Federal through the online application portal. I received an email confirming my application submission with a loan number XXXX and XXXX XXXX XXXX ( NMLS # XXXX ) as the loan officer assigned to my case.
Ms. XXXX and I exchanged a few emails on XX/XX/XXXX and she asked me several questions that were redundant of information already provided within my application. She also asked me questions that I felt were inappropriate and insulting. Specifically, she asked : 1 ) are you full time or part time?, 2 ) hourly or salaried?, 3 ) what is your hourly rate or salaried amount?, 4 ) what is the physical work address you report daily?, and 5 ) what is the price range you are looking at? what is the lowest you would consider being approved for?
Questions 1-3 are all answered within the online application, and in fact, any information that is missing when completing the online application prevents submission of the application for review at NFCU. Question 4 is not asked on the application, however the answers to the first 5 questions are all found within the application and supplemental documents that were uploaded to my account and/or emailed directly to Ms. XXXX. I also want to note that despite me informing Ms. XXXX that I had uploaded these documents ( W2, earning and leave statements, bank statements ) to the NFCU official portal, Ms. XXXX informed me that it would take longer for her to view them that way so I offered to email them. She did not warn me that email is not secure and that they should not be emailed, and instead, encouraged me to email them directly to her.
On my application, I indicated that I was interested in a prequalification for {$380000.00}, so again, not sure why she asked the last two questions. Asking someone for the lowest amount that theyd consider is the opposite of what consumers seek for a prequalification, which is the maximum approved amount. Its also insulting to someone who makes more than {$120000.00} annually.
My communications with Ms. XXXX were unpleasant. I felt she was rude to both me and my realtor and for that reason, we requested a different loan officer. She told me and my realtor that if the amount I needed was too high, her underwriters wouldnt even process the application, which made it seem that she simply did not wish to waster her time on my application at all. We sent an email asking to be reassigned to a different loan officer and as a result, her supervisor, XXXX XXXX ( NMLS # XXXX ), contacted me. Ms. XXXX informed me that she was reviewing my credit file and noticed that I had a short sale in XXXX, and that because of the short sale being within 3 years, I wouldnt qualify for NFCUs zero down payment loan. She went on to say that the requirement for zero money down loans with Navy Federal is four years from the date of the short sale. Ms. XXXX stated further that, anything within the 4 years required a 10 % down payment. Disappointed, I accepted the determination at that time and began looking at other options. Ms. XXXX canceled my application.
The next day, however, I pulled my credit report and saw that Ms. XXXX, who stated she was looking at my credit report while we were speaking the previous day, was incorrect and that the date of my short sale was in XX/XX/XXXX, making it more than four years ago. I called her to tell her this and she then informed me that NFCU requires the short sale to be seven years prior. My realtor jumped into the conversation because at this point, we both felt as though she was making up reasons not to process my loan paperwork. I emailed Ms. XXXX a screenshot of my credit report from XXXX XXXX as well as the recording in which she clearly stated that the requirement is FOUR years and only then, did she agree to process my file. During our discussion on XX/XX/XXXX, Ms. XXXX stated that my credit report showed the disposition of the short sale in XXXX, which is incorrect. She also changed the entire guidelines that she explained the previous day, leading me to believe that she was making things up the entire time.
My realtor requested that she send me the guidelines she was quoting and she sent an alleged excerpt of them, copied here : On Wednesday,XX/XX/XXXX XXXX XXXX MST, XXXX XXXX wrote : Hi Ms. XXXX, I am not able to provide copy Navy Federal guidelines ; however, this is Navy Federal Guideline for a Foreclosures : 7 years from the disbursement date, if the LTV/CLTV is greater than 90 % 4 years from the disbursement date, if the LTV/CLTV is 90 % or below 2 years from the disbursement date with extenuating circumstances and the LTV/CLTV is 90 % or below It is concerning that the guidelines provided by Ms. XXXX are for FORECLOSURES, not short sales. She also contacted me on XX/XX/XXXX and told me that my application was denied due to the seasoning of my foreclosure. I did not have a foreclosure and am concerned that she is using arbitrary guidelines to deny me credit.
I record all my phone calls and have evidence to support everything within this complaint. I have also contacted Ms. XXXX supervisor, XXXX XXXX, who is supposedly unavailable today. I believe NFCU is discriminating against me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-25
Granger, UT
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-25
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2019-04-25
Pensacola, FL
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-25
Tacoma, WA
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
2019-04-25
Getting a loan or lease
Vehicle loan or lease: Loan
Confusing or misleading advertising or marketing
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-24
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