NAVY FEDERAL CREDIT UNION

2019-04-24

Kennesaw, GA

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 monetary relief

Timely Response

2019-04-24

Poughkeepsie, NY

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 explanation

Timely Response

2019-04-24

Eliz City, NC

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

Timely Response

2019-04-24

Jacksonville, FL

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

Timely Response

2019-04-24

Boynton Beach, FL

Incorrect information on your report

Vehicle loan or lease: Loan

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

Timely Response

2019-04-24

Boynton Beach, FL

Excessive fees

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

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

Timely Response

2019-04-24

Boynton Beach, FL

Unable to get your credit report or credit score

Vehicle loan or lease: Loan

Other problem getting your report or credit score
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-24

Boynton Beach, FL

Excessive fees

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

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

Timely Response

2019-04-24

Oxford, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I ORIGINALLY DISPUTED THIS ITEM WITH XXXX XX/XX/XXXX FOR NAVY FEDERAL CREDIT UNION IN THE AMOUNT {$19000.00} STATING THAT THIS WAS A FRAUDULENT ACCOUNT. I INCLUDED A COPY OF MY IDENTITY THEFT REPORT THAT WAS FILED WITH THE FEDERAL TRADE COMMISSION LISTING THE ABOVE MENTION ACCOUNT, DRIVERS LICENSE, AND SOCIAL SECURITY CARD. XXXX DID REMOVED THIS ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX. IN XX/XX/XXXX THIS ACCOUNT REAPPEARED BACK ON MY CREDIT. I DISPUTED THE ACCOUNT AGAIN XX/XX/XXXX FOR XXXX TO RESPOND WITH THE ITEM REMAINS ON MY CREDIT. PER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA THIS ACCOUNT SHOULD HAVE BEEN DELETED AND BLOCKED.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-24

PA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I am filing a complaint because Navy Federal CU has ignored my request to provide me with documents that their company has on file that was used to verify the account I have disputed. Being that they have gone past the 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA, Navy Federal CU is required to promptly delete all information which can not be verified, that I have been disputing since 2018. Please resolve this matter as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-23

Pnte Vdra Bch, FL

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-04-23

San Diego, CA

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

Timely Response

2019-04-23

KY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: When I logged into my bank account this morning, I noticed that XXXX had been debited out of my account. It said, XX/XX/XXXX Adjustment - XXXX XXXX - {$180.00}. When I called Navy Federal I was told it was for an account that was overdrawn, however, neither of my checking accounts were. I came to realize that they were referring to an old account, 4 or 5 years old to be exact, that had been discharged in my bankruptcy that was discharged XX/XX/XXXX. The lady connected me to the bankruptcy department and I explained to the gentleman over the phone that this is against the law and that I had contacted my bankruptcy attorneys office and was awaiting a return call. This is not the first time I have had to fight with these people over unethical practices where my bankruptcy is concerned.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-23

Ward, AL

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

Timely Response

2019-04-23

Vineland, CO

Trouble during payment process

Mortgage: VA mortgage

Complaint: I received an escrow annual analysis dated XXXX XX/XX/XXXX. My property taxes have DECREASED since last year by {$9.00} my insurance has DECREASED by {$10.00} yet my escrow has increased by {$33.00}. Every year since XXXX this institution has been steadily increasing my payments. Im an unemployed XXXX XXXX veteran on a fixed income. This is absolutely not right!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-22

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

2019-04-22

Peoria, AZ

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

2019-04-19

Philadelphia, PA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Complaint: Good morning, Positive this is review is without bias and or inclusion, I would like an explanation why my voluntary child support and my child support is not being considered. My son turns XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. Attached you will find a copy of my sons state ID. I have submitted my concerns to the CFPB, just to make sure I receive that your policy is inclusive and there are no bias based on protected class. You repeated the payments must continue for three years, but confirmed the income would not be considered bc he will be XXXX in less than 3 years. Not to mention, his father confirmed he resides in the property and will continue to the household beyond the threshold quoted. 36 months o There are 36 months from XX/XX/XXXX to XX/XX/XXXX According to the mortgee document below it states : https : //www.fha.com/fha_article? id=883 How are voluntary payment arrangements for alimony or child support documented? The Mortgagee must document the voluntary payment agreement with 12 months of canceled checks, deposit slips, or tax returns. The Mortgagee must provide evidence that the claimed income will continue for at least three years. The Mortgagee may use the front and pertinent pages of the divorce decree/settlement agreement and/or court order showing the financial details.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-19

Mdn, MS

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

2019-04-19

Cocoa, FL

Applying for a mortgage

Mortgage: Other type of mortgage

Complaint: on XX/XX/2015, my mother, XXXX XXXX XXXX, passed away and I inherited her home. the house had a mortgage in place from navy federal credit union. For the 1st year I tried weekly and at times daily to communicate with them to assume the loan. I provided the death certificate, the will and the title which has my name on it. they refused to communicate with me, refused to allow me to pay on the loan and refused any information about the status of the account to me. it went into foreclosure ( the notice of acceleration was sent to an address that does not exist and i was never notified in any way ) Once i discovered this i moved cross country from XXXX state to XXXX to make the home my primary residence and to handle the situation in person. that was over 2 and a half years ago. they have still refused to allow me to assume. they are attempting to refuse my assumption based upon my credit score witch according to the cfpb and numerous other laws and organizations does not apply. they have made me jump through every hoop imaginable. they have added so many legal fees that the house is almost under water when it had over XXXX in equity originally. they have not responded to my many notices of error, their attorneys have made numerous false allegations and used a large number of varying aggressive, predatory tactics of which I have evidence. I took them to mediation and they didnt even have a representative from the bank show up and then they refused to comply with the arrangements made during the mediation and instead filed for a summary judgement. I have tried for 5 years now to simply assume the loan for the home which my mother 's ashes are buried on. My wife and I have held steady income the entire time and have stated time and time again that we just want to assume the loan and pay it. We are stuck, lost, and in daily fear of losing our home. Please help us. Please. I just want to protect the home my mother left to me. I feel like they intentionally denied me assumption and used predatory tactics to foreclose upon the home to profit from the equity.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-18

Phillips Ranch, CA

Getting a line of credit

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

Timely Response

2019-04-17

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

Timely Response

2019-04-17

Mount Holly, OH

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

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

Their investigation did not fix an error on your report
Complaint: Navy Federal Credit Union has been reporting a 30-day late payment on my credit report with XXXX, XXXX, and XXXX. The payment made on the account was kicked back from my bank due to my account information being compromised. By this situation, it caused the payment to be treated as a 30-day late. This situation was beyond my control and I've phoned, written and disputed the item every way possible with NFCU requesting a goodwill adjustment and was told no every single time. I've got perfect payment history on all tradelines in my name and this is hurting my ability to obtain good financing no matter what the request might be.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-16

And, SC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I opened a SECURED credit card account with Navy Federal around XX/XX/XXXX. They took {$500.00} out of my account as security to hold. Around a week later I received my card. Months later I lost my job and was unable to make payments on the card. I did not worry about this because Navy Federal had my security deposit. Shortly after this I started receiving calls that I owed them money that they already had. After many hours on the phone trying to straighten it out I was told the bank didn't know what happened that there was a " technical issue ''. At that time I asked why their technical issue was being reported on my credit reports. If there was a issue on the banks end they shouldn't be asking me to pay AGAIN. I filed a complaint and received a call. This time they partially blamed me. Telling me that the {$500.00} they deducted from my account for the secured card they for some unknown reason put back in my account. This makes no sense as the purpose of a secured card is once again that the bank holds onto the security deposit in case of default. This account has now been reporting negatively for 3 years and in violation of federal law. The bank is knowingly reporting negative information for a problem that they have acknowledged is their fault. I called on XXXX and tried to settle the account because it is stopping me from purchasing a house and was basically told this is not only my problem but even if I do pay it they will not remove the negative history associated with the account by XXXX ( F ) phone number XXXX at extension XXXX. I spoke to her manager Mr. XXXX at extension XXXX and he also refused to help me fix the problem. Now after dealing with this for 3 years and having my finances and life ruined I am seeking legal recourse in accordance with the Fair Credit Reporting Act. There will be no more phone calls or me trying to fix their mistake. The information being reported is not accurate, due to negligence and negatively impacting my reputation causing much mental anguish. I need all of this documented because if there are other people being conned like myself I'm sure there will be another class action lawsuit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-16

Desoto, TX

Lost or stolen check

Money transfer, virtual currency, or money service: Refund anticipation check

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

Timely Response