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 37
2019-03-08
MO
Applying for a mortgage or refinancing an existing mortgage
Mortgage: VA mortgage
Complaint: On XX/XX/2018 I began to speak with XXXX XXXX XXXX who worked at the Navy Federal Credit Union. I asked him to Obtain a VA Loan on a home I found on XXXX and I had already spoken with the Owner.
The Owner was asking {$130000.00} for a Possible 3br, 2ba, Ranch with full basement on over 3 acres in XXXX XXXX XXXX Missouri.
I picked this home because it was closer to my Father, who had informed me that his XXXX was back and I felt I needed to spend as much time as close to my Father as I can as our time is now limited.
I had also gotten engaged and she wanted to stay with in a 2 hour drive to go and visit with her grandchildren.
I was NOT a Desperate Shopper, but I was pretty set on what I was looking for in a home and the price I wanted to pay. I told XXXX that I wanted to buy a home and have a payment of about {$800.00} - {$850.00} per month and use my VA Benefits.
Then when I first got in touch with the NFCU, I was informed that I would be working with 2 agents and NOT just one person.
Then the second thing they began to pull on me was I was informed that I had to use the full amount of my VA Loan available to me.
So they told me I needed to find a home valued at {$140000.00} and so I made contact with the owner and asked what the home would appraise out at?
I was informed that the home would list for {$150000.00} and so ( WE ) agreed to raise the asking price to cover this amount that the NFCU was telling me we had to raise it to.
Then before the ink was dry on the paperwork, they changed the price again to {$140000.00}, and I couldn't believe it!
So we went back to the Realtor and redid the paperwork yet again.
I also after XX/XX/2018 after speaking with XXXX XXXX, I did NOT feel she was working for me and I felt she was working for NFCU with many of the things she said and asked for was often duplicated and she was the ONLY ONE in the loop that did not get many of the files she asked for.
The XXXX XXXX XXXX also began to be very stressed by the actions of the NFCU.
There was a LOT of issues that seemed to come up and the property appraisal was lower than the VA Amount needed.
I heard a statement from the Realtor who said that the Appraiser did not feel I needed to get some {$6000.00} cash put in my pocket after closing and so he did not appraise the property as high as it could have been.
Then I was about to throw up my hands and tell XXXX to forget the whole thing and I would look for another home, as the owner was also wanting to hurry up and sell this property and I was slowing things down. But it wasn't me that was holding things up!
Then XX/XX/2018, we became able to close and the Deed was recorded on the XXXX. However my Loan was changed from a VA Loan to a Conventional Loan and my interest was tripled, as well as there was another {$250.00} per month added to my monthly payments making it {$1000.00} per month with a {$53.00} handling fee.
My monthly payments are now {$1000.00} per month and only about {$100.00} per month is going on my principle.
When I asked why this had happened this way and I was informed it was the ONLY way they could have got me the Loan for the HOME I wanted.
I had to pay over {$2000.00} to get my percentage points down to 6.17 % because they don't want to give me any cash at closing. Yet I still got a {$450.00} check at closing.
I contacted the former owner and ask if he was okay with what had gone on with the deal and he informed me that he was very unhappy as he did not get the money he was requesting for the property.
I asked what was he talking about and he then informed me that the Closing Costs had been blown WAY OUT and unrealistic.
We ended the conversation in a bad note as he was also upset with me for all that went on with this loan.
I have tried to find out WHY this Loan with NFCU went this way.. But I have gotten NOTHING from them as to why this took place.
I even wrote the NFCU Board Manager and complained about the deal I got from NFCU, but I have heard NOTHING!!
The first payment was suppose to be coming out of my SSDI check which was deposited into my checking account with NFCU, but they called me and asked me on XX/XX/2018, when was I going to make my House Payment that was due on the XX/XX/2018. It was then that I found out that the two agents DID NOT finish the work as they said they would make the payment auto pay from my checking as of XX/XX/2018.
I contacted Quicken Loans to see if they could handle getting me a VA Loan and I was informed I am under water on my Loan and they can't help me till the Principle of my home loan comes down another {$7000.00} as the current price is too high above the appraisal of the home.
Yet it was the NFCU that asked me to get the Price Raised in the first place and so I see the TRAP they set for me and now they will make so much more money off this big sucker, and yet the seller agreed to pay the closing costs, but they also did NOT get the amount of money they had been asking for the property because of over inflating of Closing Costs.
I have give 28 years of my Life to the Military ( 15 years in the XXXX XXXX & then 13 years in the XXXX XXXX XXXX ) and then got injured and was NOT able to finish my Military Career with 30 years.
Now I am getting XXXX % XXXX from VA & XXXX, but I can't get a VA Loan to buy my own HOME?
What is going on here for real please???
Thank you, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-07
San Gabriel, CA
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
2019-03-07
VA
Managing an account
Checking or savings account: Savings account
Problem accessing account
Complaint: The Navy Federal Credit Union has not been able to issue a XXXX for the various accounts I have in this Credit Union and I need to complete my Federal and State Income Tax Returns for 2018 and other income reporting.
For several weeks I have called their support information and they keep pointing me to a one line at the end of the monthly statements where they indicate how much I had received in interest for the saving and money market account for 2018. They failed to add on the amounts of interest earned in the CDs I have.
This one line summary is not a XXXX that I can submit to IRS.
I have spoke to a Manager in the phone and gone repeatedly to their location in XXXX, Virginia, nothing seems to work. They repeatedly indicate that the only way they can issue a XXXX is by sending it via US Mail. And they do not send it. hey keep send me again and again my monthly statement.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-07
Northside, NC
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Complaint: I have am a member of Navy Federal Credit Union ( NFCU ) for almost 3 years, and am very disappointed on the unconscionable treatment, abuse, bullying tactics, and misleading and coerced banking practices I have experienced by NFCU Malfeasance regarding auto loan refinanced process. On XX/XX/XXXX I received a refinance auto loan from NFCU. The payoff with XXXX XXXX XXXX ( XXXX ) was not successful. NFCU loan Specialist contacted XXXX to get payoff amount. XXXX threatened that the payoff check would not be enough if it did not include per diem and fees including mailing time. The NFCU/Bank Manager at the XXXX XXXX, XXXX, NC assisted the Loan Specialist and deposited the refinance check {$7100.00} into my savings account and directed me to withdraw a cashier check {$7200.00} dated XX/XX/XXXX for payoff to XXXX. I did as I was instructed by NFCU /Bank Manager . On Thursday XX/XX/XXXX I contacted XXXX and NFCU on the same call. XXXX Supervisor/XXXX stated that XXXX never received a payoff cashier check and must have got lost in the mail we don't have it and NFCU Supervisor Resolution/XXXX stated she will look into it. XXXX stated will if we are to blame the extra fees and charges will be waived, I have to go and hung up. XXXX stated she could not locate it and I will have to go to my branch and get a replacement cashier payoff check for XXXX. On XX/XX/XXXX I go to NFCU and was stopped by NFCU/Loan Specialist putting me under extreme pressure and under duress to sign a declaration of loss or my auto refinanced loan would be denied stated after you sign the funds for XXXX payoff funds will sent directly to your savings account. If you don't sign the declaration of loss the funds will not, besides the initial cashier check {$7200.00} dated XX/XX/XXXX has a stop payment and cancel and can not be cashed you do not have anything to worry about just sign the bank is closing and had me come back tomorrow. On XX/XX/XXXX I returned to the NFCU following XXXX and Loan Specialist I withdrew the cashier check {$7200.00} from my savings account payable to XXXX XXXX XXXX and mailed it. On XX/XX/XXXX I contacted XXXX and confirmed by XXXX Supervisor/XXXX XXXX that XXXX was in possession of ( 2 ) cashier checks and already cashed the replacement cashier check {$7200.00} dated XX/XX/XXXX and XXXX found and located the initial cashier check {$7200.00} having XXXX in possession of both. However, your account has accumulated more fees and replacement cashier check don't cover enough for XXXX payment is due so without this your account is paid in full. So you need to a letter from NFCU with their letter head giving us ( XXXX ) authorization to cash the initial check we found. On XX/XX/XXXX I contacted NFCU/XXXX and expressed what XXXX/XXXX stated. NFCU/XXXX confirms NFCU is aware that XXXX received and cashed both cashier checks {$7200.00} on XX/XX/XXXX and Force-Paid cashed {$7200.00} on XX/XX/XXXX making total of {$14000.00}. Again I contacted XXXX/XXXX XXXX and NFCU /XXXX all on conference call after XXXX confirming and agreeing to mail reimbursement check to NFCU P.O. Box. It appeared everything was good. On XX/XX/XXXX NFCU has deliberately turn my accounts upside down. By putting a negative $ XXXX against my savings draining over {$2100.00} into a bogus over draft/frozen account. I contacted NFCU and was humiliated, and told I'm sorry but until NFCU gets their money back my accounts are going to stay upside down. I was emotionally distraught and asked can I talk to somebody to fix this financial tragedy. For months I been sending emails and phone calls all the way up NFCU corporate office to no prevail. NFCU needs to be held accountable and investigated they was fully aware that XXXX was in possession of both cashier checks. And still persecuted me and freezed/overdraft my accounts this is financial bullying and abuse of power, such brute tactics need not to go unchecked and stop. ( See Attachment Documents that Support complaint ) .On XX/XX/XXXX I contacted NFCU checking my accounts are fixed I spoke to NFCU/XXXX whom confirmed that NFCU on XX/XX/XXXX received the reimbursement check from XXXX {$7200.00} and sent it back. I was not given any written notice or my savings and checking account unfrozen or released from hostage. NFCU refuses to correct this matter even after getting their money back continue to cause turmoil against me/consumer and member. To this date XX/XX/XXXX I still do not have access to my personal funds over {$2100.00}. And NFCU continue to patronize, humiliate, ignore stone wall all my reasonable requests of getting access. These unconscionable actions needs to be investigated and Navy Federal Credit Union and its Executive staff that supports such actions need to be investigated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-06
Durham, NC
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
2019-03-06
Lb, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: My complaint is with the Navy Federal Credit Union. They are charging my credit card account with cash advance fees and high interest on the cash advance when there are no cash advances from my credit card. I have talked to an agent and tried to solve this problem but to no avail. Please help me solve this problem with my credit union. Thank You.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-06
Cabot, AR
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-06
Smoke Rise, 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
2019-03-05
Mission Viejo, CA
Money was not available when promised
Money transfer, virtual currency, or money service: International money transfer
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2019-03-05
Buena Ventura Lakes, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-04
Chicago, IL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Seized or attempted to seize your property
Complaint: On XX/XX/XXXX, I logged on to my Navy Federal Credit Union ( NFCU ) app to check my account balance. Once in the app, I checked over the transactions and saw my husband 's paycheck for {$680.00} was deposited by his company as a credit on XX/XX/XXXX ; I also noticed a pending adjustment/debit for the same amount of his paycheck, {$680.00} that had already been taken out of our account. As soon as I saw this adjustment I contacted NFCU right away.
I called in to the checking account inquiry line, who reviewed the account activity and said the adjustment/debit was for a credit card we had previously with their bank that needed to be paid. The representative then transferred me to the credit accounts and I spoke with a female representative there who stated they tried to contact my husband multiple times regarding payment, and because they were unable to speak to him regarding a payment, they debited our checking account for a payment. I then asked the representative if they were able to adjust the debit back in to our account, to which she told me no, they could only give us back {$100.00} of the debit due to non-payment, so they kept {$580.00}. I was very unhappy about this, but honestly, I dont know if there's anything I could have done to have them put the full amount of the debit back in to our account. I set up a weekly debit for the card account so they will receive a payment each week until its paid in full.
My main grievance with NFCU is that they took my husband 's entire paycheck out of our checking account with NO NOTICE. Are they allowed to take the money out of our account like that?? I asked the representative, " how are we supposed to live until he gets paid again if you take out his entire paycheck? '' to which she had no response. I have been a NFCU member since XX/XX/XXXX, and have NEVER had any issues until now, but this issue is enough for me to consider closing my accounts with them. Can you please assist and advise me if NFCU 's actions were legal?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-04
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
2019-03-04
Santa Clarita, CA
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-04
FL
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I am a member of Navy Federal Credit Union. I made a deposit at the branch located at XXXX XXXX XXXX XXXX, FL on XX/XX/2019 In the amount of {$1900.00}. Prior to depositing the check I contacted NFCU Customer Service and asked a representative if NFCU permitted members to deposit a check that was made out to their husband, if both me and my husband endorsed the check. She confirmed that WAS acceptable. After depositing the check and waiting the two ( 2 ) required business days for the funds to be available and posted to the account I attempted to log into my online banking to check the balance of my account. My account was LOCKED. I contacted NFCU and they advised me that it would take a additional 5 business days due to the fact that a " review of your account indicated potentially suspicious activity ''. I spoke with a Security Specialist at NFCU as instructed to do in order to regain access to my account. I explained to the Specialist my issue and at that time she was the one that informed me that it would take the 5 additional business days for the check to clear from the issuing bank before my account would be unlocked and funds be available. I asked the specialist if they maybe could contact the issuing bank and verify the account that the check was written from and verify that the funds was in that account, therefor verifying that the check was VALID. She was very rude and told me absolutely no way that she would nor could contact the bank and verify that information. I then waited 6 days and attempted to log-into my account again, IT WAS STILL LOCKED. I contacted customer service to ask why. They contacted me with their security department and at that time the Security department representative wanted to contact the bank that the check was issued from to verify the availablity of the funds in the account and validate the checking account was active. The bank employee DID CONFIRM that the check was both valid, had the available funds in the account, and that the account number was active. So, NFCU had no reason to STILL not release funds OR unlock my account. After NFCU verified the check was valid ( by contacting the issuing bank ) NFCU asked me to send in a copy of both the front and back of my driver 's license as well as my husbands drivers license and a statement stating that my husband ( XXXX ) is authorizing and did authorize me ( XXXX ) to deposit the check. So as requested both XXXX and I signed and dated the letter that XXXX written stating that information. After submitting that, NFCU then informed me that they was not unlocking my account, giving me access to MY FUNDS nor giving me back the check that they refuse ( FOR NO REASON ) to deposit into my account. Upon this all happening to me, I did ask NFCU to allow me access to MY MONEY and to please stop giving me the " run-around '' and informed them that my home was destroyed during Hurricane Michael, I've been having to stay in temporary housing and the funds that they was restricting me access to was money that I could use to help me get my stability back and get into a house. They had no mercy at all, for me NOR my family. We are basically homeless and NFCU is the reason that we are STILL WITHOUT A HOME! I feel discriminated against and most defiantly AM BEING DEPRIVED FROM THE MONEY THAT I AM ENTITLED TO by NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-03
Shulerville, SC
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
2019-03-02
Riverside, CA
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
2019-03-02
Baltimore, MD
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with cash advances
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2019-03-01
Arcade, GA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-01
Saint Charles, MD
Problem with a lender or other company charging your account
Checking or savings account: Savings account
Transaction was not authorized
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-28
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
2019-02-28
NV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Hello, on XXXX, checked my credit report with XXXX, XXXX and XXXX i was shocked when saw some credit cards, addresses not belongs to me.
Since XXXX i live in XXXX, XXXX, and since than never been in US.
XXXX XXXX BANK XXXX XXXX Date Opened - XX/XX/XXXX, XXXX XXXX - {$5000.00} XXXX XXXX Date Opened - XX/XX/XXXX, XXXX XXXX - {$6000.00} XXXX XXXX CR UNION Date Opened - XX/XX/XXXX, XXXX XXXX - {$7800.00} also the addresses in credit report, i have never lived there XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-28
Washington, DC
Took or threatened to take negative or legal action
Debt collection: Auto debt
Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-27
Ft Lauderdale, FL
Struggling to pay mortgage
Mortgage: VA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-27
Davenport, IA
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
2019-02-27
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Funds not handled or disbursed as instructed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation