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 33
2019-04-16
Atlanta, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: Navy Federal Credit Union allowed an account to be opened in my name without my permission by someone who stole my information. The account was opened using my Access number and my correct personal information that was obtained as a result of identity theft. I have personally gone into a Navy Federal branch multiple times and explained that the account they are reporting against me and have now sent to a 3rd party collection agency was as a result of identity theft. I have also provided Navy Federal a written notification that I disputed the debt as fraud and told them that the account they are reporting against me is fraudulent, and I also provided them a recent police report. Even after dealing directly with Navy Federal they not only refused to remove the fraudulent account out of my name, they took the account and immediately sent it to a 3rd party collection agency when they plainly were told the account was fraud. This is not my account and I did not open the account and I did not provide my information to anyone else to open an account in my name, however Navy Federal refuses to act in a reasonable manner and have violated the FCRA by sending an account disputed directly with them as fraud to a 3rd party collection agency.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-15
Reidsville, NC
Getting a loan or lease
Vehicle loan or lease: Loan
Changes in terms mid-deal or after closing
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-15
Herndon, 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 explanation
2019-04-15
Anderson, OH
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
2019-04-15
Jacksonville, 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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-15
Washington, DC
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: I filed a credit card billing dispute through Navy Federal Credit Union 's ( NFCU ) billing dispute system on XX/XX/2019. I submitted documents related to the dispute on the same day through secure messaging on their website and also by fax. I received a secure message from NFCU on XX/XX/2019 confirming that they had " received '' and are " reviewing '' the documents. I subsequently received a letter through regular mail from them, asking me to contact them to answer whether or not I attempted to resolve the dispute with the merchant prior to filing the dispute with NFCU. I called NFCU the same day, and I confirmed to the representative I spoke with that I did indeed attempt to resolve the dispute with the merchant prior to filing the claim. She then told me to disregard the mailed letter and to expect a follow-up letter containing the results of my dispute.
After receiving no such letter, I called NFCU and asked for the dispute results. The representative told me that my billing correction request was denied without offering an explanation. I then asked to speak with a supervisor. After a lengthy hold, I spoke with the supervisor. She denied that NFCU had received the dispute-documents. After explaining to her that I had received written communication that the documents I submitted were properly received, she asked me to send them again. I sent them again by secure messaging through NFCU 's website. She then said that she did not receive them. I sent the documents again, and again she denied receiving them. I sent them another time. This time, she confirmed receipt but immediately claimed that I had no right to recover the payment. She assumed that I was saying I was unhappy with the results of the Mediation, and that is why I want my money back. I said no such thing, nor did I intimate anything like that. I want my money back because the attorney violated the retainer agreement : ( 1 ) She refused to continue work on the Mediation without extra payments from me despite our written and verbal agreement of a {$2000.00} fixed fee for the Mediation. ( 2 ) She refused to file the petition that was offered and accepted during the Mediation unless paid more money.
( 3 ) She ceased work immediately without providing the 10-day notice required by the terms of the retainer agreement/contract.
I explained this to the NFCU supervisor but I don't think she understood the situation. I told her that I would be sending a formal Fair Credit Billing Act letter. I mailed the letter to the " Billing Inquiries '' address through the United States Postal Service on XX/XX/2019. After more than 30 days had passed without NFCU confirming receipt of the letter, I sent NFCU a secure message through their website on XX/XX/2019. As of XX/XX/2019, they have not replied to my secure message, nor have them confirmed receipt of my Fair Credit Billing Act letter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-14
Val Verde, TX
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: On XX/XX/19 on a Saturday afternoon. I went on a mission to buy a bed frame but when I realized I wasn't given what I wanted I returned it the same day. The lady who was there told me no she wouldn't do it because her card machine was broken but was so quick to take my money. So I called my bank to dispute it after I looked online on how to do it. I read over what my options were and put it as a dispute of fraud. My bank said that is my fault if I can't get a hold of the store owner. I have written a letter t the store because there are limited options to get a hold of the owner. I feel as no one is taking me seriously because I am an adult. Even my own bank won't help but instead sending letters back to back saying I must pay this now. When I WENT SPOKE TO SOMEONE FOR ADVICE JUST FOR NAVY FEDERAL TO SAY NO WE CAN'T DO ANYTHING FOR YOU.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-13
Springfield, VA
Closing on a mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-13
Montgomery, AL
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
2019-04-13
Capitol Heights, MD
Opening an account
Checking or savings account: Checking account
Unable to open an account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-12
Washington, DC
Unexpected or other fees
Credit card or prepaid card: General-purpose prepaid card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2019-04-11
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
2019-04-11
Hampton, 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 explanation
2019-04-09
Niles, 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
2019-04-09
Jacksonville, FL
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: Navy Federal Credit Union XXXX XXXX and XXXX XXXX cancelled my settlement, which was to occur on XX/XX/2018, on XX/XX/2018. This was because of an allegation that I was unable to satisy a statement of deposit of funds in my XXXX Account. We worked together for 2 hours with XXXX and Ms. XXXX joint on phone trying to get something acceptable to their underwriters but the settlement was cancelled arbitrarily at XXXX shortly after the documentation was given saying was inadequate time for the underwriters to clear it. ( their work hours was until XXXX according to Ms. XXXX.
I was sent the " temporary '' closing disclosures at XXXX on XX/XX/2018 and esigned it immediately. My wife was not sent the document so we assumed it wasn't needed. The new settlement date was set XXXX.
on XX/XX/2018 we were sent a " Mortgage Production '' message at XXXX, I signed in at XXXX, my wife was sent a letter to call XXXX XXXX to ok the closing disclosure. My wife called and XXXX returned the call at XXXX. XXXX was asked if she had seen the statement " Closing Disclosure '' and did she agree with it or have any questions and my wife answered no. Three business days from this notification on XX/XX/2018 would be the XXXX of XXXX. Settlement was allowed to occur on the XXXX of XXXX. This was a violation of the Truth-in ' -Lending Act.
My observation is the following : When the documentation was " almost late '' a decision was made to cancel the real estate transaction because the law required a 3 day notice. This caused us much stress and change of plans and money as we had to cancel several appointment which we had applied a deposit. This XX/XX/18 settlement date had been in place for over a month.
When NFCU employees make a mistake of not including my wife in the sign off of the closing disclosure and its consumer protections, it was ok to break the law and let the settlement stand so that they would not be embarrassed.
Don't believe the law was intended to be one way, to discriminate against buyers whenever something occurs but " bend '' the rules when it works the other way.
Thank you for listening to my complaint. I desire no monetary damages from NFCU but would expect a letter of apololgy and a violation of the Truth in Lending Act.
XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-09
Lawrenceville, 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
2019-04-09
Lewisville, TX
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: I had a charged off account ending in XXXX in XX/XX/XXXX. I went to the XXXX Tx branch in XX/XX/XXXX to open a minor account but was told I could not until {$300.00} was paid from my charged off account. I made the payment and opened my new account. On XX/XX/XXXX I went into the The XXXX branch to open another minor account which the representative XXXX told me that I owed XXXX. He then did further investigation and stated there was an alert that the balance was paid in full but there wasn't any notes. After consulting with his assistant branch manager they opened one checking and three minor accounts. I made a deposit of {$320.00} in account ending XXXX. Later that day {$300.00} was taken from my account. I went to the branch XX/XX/XXXX and the branch called the back office where we spoke with XX/XX/XXXX, which was very rude and continue to talk over me. XX/XX/XXXX stated it was a error on my end and there wasn't anything she could do. I asked for a supervisor XX/XX/XXXXstated the supervisor wasn't available and they was going to tell me the same thing she told me. I did not authorized this transaction nor was I advised it was being taken. I haven't gotten anywhere with this
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-09
Fort Pierce, 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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-08
Glendale, 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
2019-04-06
Dallas, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I have a auto loan with Navy Federal credit union. There is a late payment for XX/XX/XXXX. I never recieve a bill statement for the month of XX/XX/XXXX, nor the month of XX/XX/XXXX. this is the reason I didnt know it was due. According the Fair Credit Billing Act, if I do not recieve a monthly statement for the bill. I am not responsible for the payment for that month. therefore I can not recieve a 30 day late payment. I take my credit History very seriously. I also have no late payments on my credit report.I always pays my bills on time. the only reason It was not paid was I didnt recieve a bill. therefore, according to the fair credit billing act. I need that late payment remove from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-06
Santa Ysabel, CA
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: I am a XXXX veteran that maintains limited account usage with Navy Federal Credit Union. I keep funds from my XXXX payments in my Navy Federal account. During some hard times 4 years ago I had a small credit card become past do with them. Last week Navy Federal wiped out my account of all my Federally protected funds to cover the credit card. These funds are Federally protected and are absolutely untouchable. However, that didn't stop Navy Federal from robbing me blind. On XX/XX/2019 they removed my last {$200.00}. They say they are here for the military community but then treat us like garbage when we need the help the most. I shudder to think of all the XXXX veterans who depend on their XXXX payments, are robbed by Navy Federal, and end up homeless and starving as a result.
I contacted Navy Federal the same day and was told too bad so sad. Ok, not those words but the result is the same.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-06
N Hollywood, CA
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
2019-04-05
Montgomery, AL
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
2019-04-04
Raeford, NC
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
2019-04-04
Laurel, 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