There are over 5340 complaints on file for NAVY FEDERAL CREDIT UNION. Dated between 2019-12-16 and 2011-12-05.
2019-02-07
Charlotte, NC
Debt was result of identity theft
Complaint: SOMEONE USED MY IDENTITY TO OPEN A FRAUDULENT ACCOUNT THAT I DID NOT AUTHORIZE. NAVY FCU DOES NOT HAVE MY SIGNATURE ON ANY DOCUMENTS OR PROMISARY NOTE EITHER! I DID NOT AUTHORIZE THIS ACCOUNT AND THIS IS MY THIRD AND FINAL ATTEMPT TO HAVE THIS ACCOUT REMOVED.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-07
Jacksonville, FL
Information belongs to someone else
Complaint: VALIDATION of debt letters were sent out in XXXX, XXXX and XXXX and no validation was received be to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-07
Glen Park, NY
Deposits and withdrawals
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2019-02-07
Murrieta, CA
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-06
Oxford, GA
Problem using a debit or ATM card
Complaint: On XX/XX/XXXX, I met with XXXX XXXX XXXX, to inquire about purchasing a XXXX XXXX XXXX. I had the vehicle inspected by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX cleared the vehicle, indicating the engine was okay. On my home, a short time after purchase, the vehicle started to hesitate and lost power. Immediately, I contacted XXXX XXXX broker to return the vehicle and request a refund. The transaction took place from my debit card using XXXX XXXX. XXXX ignored my calls and rejected my refund request. I contacted my Navy Federal Credit Union to initiate a refund or stop the transaction since it was a fraudulent transaction. I received a provisional credit of {$2400.00}, pending further investigation.
On XX/XX/XXXX, Navy Federal Credit Union reversed the provisional credit, since the transaction took place through an intermediary app. That resulted in my bank account being overdrawn by - {$1300.00} and potentially ruining my credit. I was told by the supervisor, the transaction happened peer-to-peer and the funds were lost. I inquired about being protected by the FDIC and was told XXXX XXXX does not follow federal regulations, and I would have to retract my money directly through XXXX XXXX. I have since incurred late charges to my loan payment due to my account being overdrawn.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-06
Biloxi, MS
Problem making or receiving payments
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-05
Chaffee Village, TX
Complaint: So Im trying to get a loan my credit was atleast in the 600s while I was XXXX and now its dropped tremendously and I dont know how I havent done much but I tried to apply for a loan through navy fed on XXXX and one time for XXXX I guess it affects your credit but my credit is constantly dropping and I have no clue why I havent been late on payments or nothing and need to find out and maybe have some things removed I guess
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-05
VA
Credit denial
Complaint: I applied for a pre-approved loan that was advertised if approved I can use a blank check to purchase a vehicle with only a disclaimer if full amount is not used or vehicle value is overpriced, Navy federal will not honor rate or amount over. I purchased a vehicle through XXXX XXXX in XXXX on XX/XX/2019 under blue book value and transaction went smooth and drove vehicle back to XXXX. About 4 days later the dealer ( XXXX XXXX XXXX XXXX XXXX ) calls and notifies me of issues with Navy Federal not honoring the check due to Vin number being for commercial classified truck. Navy Federal did not disclose this in their pre- approval instructions and vehicle was a privately owned ( 1 owner vehicle ) used to pull an RV. Navy Federal gave me a run around first stating problems with vehicle as collateral, then directed me through a new loan process, only to deny me again due to loan type not qualifying for vehicle purchase. This forced me to shop last minute for lenders, to include financing through XXXX XXXX, resulting in multiple credit inquiries further sending red flags for other lenders. I am currently in possession of said vehicle, which is already insured privately, but am in limbo while also juggling my military duties. This situation stemming from Navy Federal has caused me undue stress, burden, and damaging results to my credit and I am seeking resolution. I have never missed any payments and have 2 active mortgages, several credit cards balance always paid in full with no remaining balance, and a personal loan which has been paid always on time with additional principle.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-04
Five Points, NC
Company closed your account
Complaint: When I went on line to search for my XXXX-Int statements and noticed that my sons joint checking and savings accounts ( which I opened for him at birth in XXXX ) were no longer visible in my online view. I quickly called customer service and they informed me that the accounts were closed in XX/XX/XXXX due to a lack of activity and the money was sent to the state ( NC, I presume ).
I am upset for several reasons. First, Navy Federal failed to contact me in spite of the fact that my contact info ( mailing address, email address, phone number, secure on line account with contact/messaging availability ) are part of my on line profile. Second, when I went to look for the money on the NC Dept of Treasury website, I was unable to find any record of the money. Third, I have now wasted several hours of my time trying to find money belonging to me that I entrusted to you.
I am so upset that I immediately closed all remaining accounts with Navy Federal severing an 18 year relationship.
While we are not talking about any significant dollar balances, I am nonetheless disappointed in the level of service from an institution I have spoken fondly of and recommended to others for years.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-04
Lemon Grove, CA
Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-04
Problem accessing account
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2019-02-03
Charlotte, NC
Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-02
San Jacinto, CA
Complaint: On XX/XX/XXXX I got an {$12000.00} personal/home improvement loan from Navy Federal Credit Union ( NFCU ) with monthly payments around {$380.00} a month for 48 months. On XX/XX/XXXX I received a two month extension on the loan and NFCU extended my loan 2 months with last payment on XX/XX/XXXX. After I paid my last payment there was a balance of {$1200.00} remaining on the loan even though the loan should be paid in full. NFCU loan management first told me that was accrued interest from the two month extension but I ask for an explanation on the excessive interest. The second time I spoke with someone from NFCU loan department in the branch. They told me {$350.00} was for late fees, {$130.00} for accrued interest for the two months extension, and the rest for the two months I missed on XXXX and XX/XX/XXXX. The problem I have with NFCU is that they extended my loan from 48 months to 50 months and making me pay the two months the loan was extended in XXXX even though I paid two extra months. I paid the loan off with the exception of {$350.00} dollars in late fees and {$130.00} in accrued interest during the two months extension. I've contact NFCU several times about the issue on ways to dispute the problem with no resolve. NFCU is telling me I have to pay them for the two months I extended the loan even though they added two extra months to my loan agreement.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-02
Philadelphia, PA
Deposits and withdrawals
Complaint: On XX/XX/XXXX at roughly XXXX XXXX I deposited {$320.00} into a XXXX XXXX XXXX XXXX XXXX atm, which is listed as a co-OP of Navy federal credit union. The machine stated that this transaction can not be completed at this time. It then returned my card, but it kept my money. I immediately called Navy Federal to file a report. They informed me that they would initiate an investigation which could take 45 days to complete, but also that in 10 days a provisional credit would be given to my account. I also went to XXXX XXXX XXXX the very next morning to see if they would take action, however I was told that since I didn't have an account with them I had to file a claim with NFCU. Finally on XX/XX/XXXX the provisional credit was credited to my account only to be reversed 4 days later. Upon there investigation, Navy federal says that XXXX XXXX XXXX claims there was no overages on that day. I would like them to pull the video surveillance from that evening. Furthermore I would like to know if that atm had been serviced shortly after my deposit. I am livid at this point and I keep thinking about what if it were a larger deposit. I don't think Navy Federal did all they could do to get to the bottom of this and I am considering switching to another credit union.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-02
Turners Sta, KY
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-01
Ocklawaha, FL
Their investigation did not fix an error on your report
Complaint: XXXX has been non-compliant with removing the unverified account NAVY FCU Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FCU was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-01
Springfield, MO
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-01
Plymouth, FL
Unable to open an account
Complaint: I went into the XXXX XXXX Florida- Navy Federal location on XX/XX/2019 to open a new business account. ( In my possession I had my EIN number and my business is active and listed on the Secretary of State. ). My company is paperless, so I had it electronically in my phone- but as we all know SOS is available to anyone free online.
I was immediately give a hard time by a teammate XXXX. She was beyond rude. She acted like she didn't want to open a business relationship, or lacked training. She didn't know what forms were needed or how to proceed. Then told me I HAD to produce paper copies of the documents, that she wouldn't print them. I advised her that my small business is paperless ... of course I am growing more irritated as she had given me a 9 page BOF form to complete via handwriting. She was quite condescending, which lead to me being stern about the discrimination I was receiving. Next thing I know the branch manager came over to lecture me and tell me to lower my voice. The worst banking experience EVER. My wife has been in banking for 14+ years and would never get away with treating a client that way, it was not client centric. When I got home, I wrote a formal complaint to the company via their secure website Confirmation # XXXX. I received no return message. Only a representative by the name of XXXX calling from XXXX - to further chastise me and tell my behavior is inappropriate. - And told me how I have to act, that I'm not allowed to be upset due to their laziness in the branch. That my feelings are not valid as a client.
Fast forward to today, when I receive a letter mailed to me from Navy Federal that advised its due to a " recent incident '' at a branch. It continues to say that I exhibited unacceptable behavior. " In the event of any future incidents, you will no longer be permitted to enter ANY FCU branches for ANY Reason & We not act favorably on any request to reinstate this privilege. Citing that I abused the teammates. I am more than sure that there is surveillance and anyone can see that I did not " abuse '' anyone ... nor was I yelling, or screaming or acting any way of inappropriate. I am able to express my displeasure without being threatened.
The company is discriminating against me and my small business.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-01
Albany, GA
Cashing a check
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-01
San Diego, CA
Transaction was not authorized
Complaint: I've recently filed a fraud complaint with Navy Federal Credit union for the amount of {$500.00} and some change. Not even a day later, they deny it and let me know i'm responsible for the full amount when I didn't authorize ANY of these transactions. I've also reached out to them twice online, and once in branch to block a transaction that keeps trying to pull {$100.00} out of my account EVERY SINGLE PAYCHECK. The fact that Navy Federal isn't allowing me to block a company that continues to pull {$100.00} out every paycheck is alarming. The second fact that Navy Federal isn't thoroughly assisting members with their fraud reports is another alarming thing. This bank has grown to hit me with SHADY tactics since my bankruptcy has been discharged.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-31
AL
Complaint: I am writing because I am trying to figure out exactly why NFCU is allowed to break the law and charge me for fraudulent debits and I have completed everything neccessary to have them blocked under FCRA 605b.
I have fully complied with the requirements of FCRA 605B ( a ), which sets forth the items required to block identity theft info from your credit report, and them imposing an investigation requirement that is clearly not part of the block procedure is clearly a violation of my rights.
The two individuals who " investigated '' were XXXX XXXX ( who I have never ever heard from and never contacted me ) and Senior Investigator XXXX XXXX ( who basically just treated me like I was the criminal and his " investigation '' was based on his opinion, which is completely unfair.
Someone has seriously done damage to my future and has made it extremely difficult for my everyday life, and to ME that is serious, even if noone else seems to care or be bothered to actually follow the law.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-31
Darnestown, MD
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-30
Atlanta, GA
Problem during payment process
Complaint: I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NAVY FCU with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-30
Lake Elsinore, CA
Can't use card to make purchases
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-30
Washington, DC
Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation