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 43
2019-01-30
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
Complaint: 1. There was ever only one signed document on XX/XX/XXXX, bearing my signature to authorize a Refundable Security Deposit/Breakage deposit in the amount of XXXX GBP ( {$320.00} USD ) to XXXX.
2. Per XXXX Terms and Conditions, the Refundable Security Deposit/Breakage deposit is purposed to cover any damages from within the apartment and is refunded once all keys are returned and the apartment is checked over for damages. Since there were no reported damages in the apartment, and all keys and parking passes were returned as required the Refundable Security Deposit/Breakage Deposit -- in the amount of XXXX GBP ( {$320.00} USD ) needs to be returned.
3. As indicated on the receipt dated on XX/XX/XXXX, this unauthorized charge does not have my signature and I was not present to authorize or sign.
4. NFCU failed to provide the Zero Protection Liability coverage after I provided substantial proof that I did not authorize the fraudulent charges which was posted to my account.
5. NFCU failed to provide additional protection from fraud and unauthorized use of my NFCU Platinum Credit card, which features an embedded encrypted microchip that when used at chip-enabled card readers, the card 's fraud protection kicks in.
6. By Fla. Stat. Ann. 501.0118 ( 2 ), NFCU and VISA failed to provide and protect me from fraud and unauthorized use of my NFCU Platinum Chip-Enabled Credit Card with Zero Liability and embedded encrypted microchip by printing/displaying my entire credit card number on the receipt allowing the merchant to freely enter fraudulent and unauthorized charges.
7. I never received or signed XXXX Terms of Agreement document.
8. NFCU never provided me with NFCUs terms and guidelines for proceeding to arbitration.
9. NFCU never provided me with VISAs Guidelines for determining eligibility of arbitration.
10. Please notice the discrepancies on the receipts on XX/XX/XXXX and XX/XX/XXXX : - There is no signature on XX/XX/XXXX.
- The credit slip has the exact same authorization code ( XXXX ) as the receipt dated XX/XX/XXXX, except a K indicating that the slip was keyed not swiped or chipped.
- My FULL credit card number appears on both receipts.
- I was not present to authorize this transaction ( CUSTOMER NOT PRESENT ) - This transaction was run at XXXX XXXX prior to my check out time at XXXX XXXX.
According to Navy Federal Credit Union Credit Card Pricing Terms, page 2, item 2, under Your Agreement With Us : 2. Cardholder Signature. Your card is not valid unless it is signed. Sign the back of your card immediately upon its receipt. I NEVER SIGN ANY OF MY CREDIT OR DEBIT CARDS. My unsigned NFCU credit card, was presented for payment for a REFUNDABLE SECURITY DEPOSIT. My information was collected and not never secured by chip technology. The card reader printed my FULL CREDIT CARD NUMBER WHICH IS PRINTED ON THE RECEIPT. The merchant XXXX fraudulently misappropriated funds for a refundable breakage deposit to be used for trumped up charges of nearly {$1000.00} for a fictitious extra person on a fully paid reservation.
As with all my other credit and debit cards, this card was never signed by me : immediately upon its receipt from NFCU, when it was activated, nor when it was submitted for use as a Refundable Security Deposit/Breakage deposit in the amount of XXXX GBP per stay.
I am appealing to the CFPB and the NFCU Executives ( XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX ) for help with removing these unauthorized charges placed by the merchant XXXX. NFCU decided to put the MERCHANT before the MEMBER in this matter without providing any written explanation as to why and how. I do not have {$1000.00} that I can give away to fraud. In light of all the documentation I presented, NFCU removed ALL of the documents I submitted, and is preventing my case from proceeding to arbitration. Because time is and has been of the essence, I am submitting this letter and documentation to be within the 6-month window from when this horrible nightmare which began with the fraudulent use of my credit card. In good faith, I have asked for these charges posted to XXXX of $ XXXX- XX/XX/XXXX ( less the {$640.00} refund made on XX/XX/XXXX ), and the {$320.00} - XX/XX/XXXX ; {$330.00} on XX/XX/XXXX and most recently the duplicate fraudulent charge of {$320.00} re-posted to my account on XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2019-01-30
Washington, DC
Managing an account
Checking or savings account: Other banking product or service
Funds not handled or disbursed as instructed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-30
Fort Lauderdale, FL
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-30
Flushing, NY
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
2019-01-30
TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I did not authorize this {$3100.00} debt with this institution. I have filed and submitted documentation to the company at least 20 times, I knew nothing of the debt until it was charged off and I began to receive collection calls from the company. I notified each and every agent that called, that this account is not mine.
I have been a victim of Identity theft for almost 10 years. Over the past 10 years people have gone as far as getting cars, apartments, credit cards, bank accounts and utility services in my name. I have filed many police reports and done FTC Affidavits, many of the reports were filed with the city and county in which the fraudulent accounts were opened.
I have fulfilled all of the requirements under FCRA 605B to have this information removed and blocked, and NFCU is in violation by not removing this debt.
The company is also in violation of Section 392.101 of the Texas Finance Code prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have found no surety bond in the state of texas bearing the name of this company
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-29
Cols, GA
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
2019-01-29
Clearview, WA
Struggling to pay mortgage
Mortgage: VA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-29
Ft Wayne, IN
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-28
AL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I co-signed for a mortgage loan through Navy Federal Credit Union in XXXX of XXXX. My parents have occupied the home. I have never lived there. In XXXX of XXXX I and my husband filed for Chapter XXXX bankruptcy. My lawyer had me sign an affidavit to remove my name off of the mortgage with Navy Federal Credit Union. It was granted by the court in Bankruptcy Court of XXXX Al. My mother continued to make payments ( which were 20-25 days late at time though ) but the Navy Federal Credit Union told her that no payments would be applied until my bankruptcy was XXXX. My mother missed the XXXX payment and my bankruptcy XXXX on XX/XX/XXXX. Since she has made several payments as of XX/XX/XXXX ( I believe {$1500.00} total, but the cost went over {$2500.00} in late fees per Navy Federal Mortgage department. They started sending threatening letter after letter to me ( which I'm by law no longer on the mortgage ) my husband XXXX XXXX XXXX ( who filed for bankruptcy jointly with me, but was NEVER on said mortgage and NEVER had any involvement with it, letters were sent to our home address which is in no relation to a loan or any form with Navy Federal. They have been sending threatening letters to my father XXXX XXXX XXXX who is also NOT and never has been on the mortgage. I have all of the letters but I need to know who my mother ( official person on the loan ) myself ( removed from the loan ) and my husband XXXX XXXX XXXX ( never affiliated on this loan ) need to contact? Navy Federal Credit Union told my mother today ( when she made yet another payment ) they can contact my husband over the life of the loan because he is my spouse and I am on the loan ( which I am not and haven't been since XX/XX/XXXX ). I have all letters from Navy Federal Credit Union and payment confirmations.
XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-28
Washington, DC
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Received unsolicited financial product or insurance offers after opting out
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-27
Shulerville, SC
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
2019-01-26
Ridley Park, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Navy Federal Cr Un debt collector didn't verify collection. No contract. No signature
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-26
Waldorf, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-26
Ruskin, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. XXXX had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-25
Finksburg, MD
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: My wife got paid on XX/XX/2019. On XX/XX/2019 I was checking my bank account to see if the funds were available to buy my medication and food. After checking, I saw that {$610.00} was taken from the account without my permission, so I called Navy Federal to see why. Navy Federal told me that because I was 35 days late on my Navy Federal credit card they withdrew all the money from my account. I tried to explain to them that was all the money I had to to buy food and medication for my XXXX kids until I receive my VA XXXX pay on XX/XX/2019. Navy Federal told me they would only try and submit a partial return of {$300.00} if I agree to some type of promise and set up auto pay for my auto loan. My auto loan was due on XX/XX/2019 in the amount of I think {$310.00}. I have 6 months left before my auto loan is paid in full. As of today, XX/XX/2019 I'm 1 day late. Navy Federal told me because I was 1 day late, my auto loan was now in collection. As of XXXX XX/XX/2019 I only have a refund of {$300.00} back to my account. I have a wife and XXXX kids that I have to buy food, gas and other things. Talking to Navy Federal was useless. Navy Federal basically was forcing me to set up auto pay before they even think about issuing me a refund and said, if it went through they would only refund partial payment and iam out of luck.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2019-01-25
Copper Center, AK
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I filed a police report and an FTC report to show that I was a victim of identity theft but navy federal credit refuses to look into this matter and they keep reporting Negative information to the credit bureaus
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-24
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2019-01-24
Green Valley, NV
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
2019-01-24
Managing an account
Checking or savings account: Other banking product or service
Fee problem
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-24
Grasshopper Junction, AZ
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
2019-01-24
Newnan, GA
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: My online account was compromised, Navy federal credit union gave me a call to warn me of compromise and the fraud that was placed on the account I sent in documents to verify I was b XXXX for XXXX XXXX : XXXX XXXX with XXXX, XXXX, XXXX and XXXX XXXX. I also sent in the statement of forgery to eliviate the problem they stated they never received it. The account is negative XXXX and i dont have access to any money. my VA check is XXXX and they have to mail paper checks because of the issues with the account, I have not been paid in 3 months the VA 's system will take 2-3 weeks for each check to be printed and mailed I am late on bills, and childcare because of this. the bank will not approve me for a loan because of the negative balance and they're stating i have to pay to be eligible for anything. This has caused a repossession and late bills and the bank is not doing anything whatsoever to resolve the matter I've banked with Navy Federal for 5 years and they have lost a customer.
Claims were for XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX. The compromise department called to inform me of the hacking and locked my account completely, i went to withdrawal funds and the withdrawal was declined. the funds that were put into the account and reversed back out no money was used besides the OOPS overdraft coverage. The only claim I filed was for XXXX the bank representative was on the phone with me and XXXX on a 3-way call and XXXX verified they did not receive the payment after 1 month and 13 days they issued the credit and took it back. this has created a bind and financial issues for myself and my family.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-24
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
2019-01-23
Baltimore, MD
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
2019-01-23
CO
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
Complaint: Some use my credit cards without my permission and made charges. I agreed to pay what I charge and the company agreed to remove all negative information for my credit report.But after paying the accounts. The company didnt keep its agreement.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-23
Houston, TX
Fraud or scam
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: XX/XX/2018 I was scammed using XXXX. I used XXXX because I thought it was safe. It was apart of my Navy Federal CU app. I tried to get tickets for my son and I for a basketball game. I paid the alleged ticket holder {$260.00} for two tickets and never received anything. Right after the transfer I was immediately blocked from calling the scammer. I called my CU they then told me to file a claim, and come into the CU to get a new card. I did, only to find out a week later that my claim was denied and I was out of XXXX dollars. The CU said nothing could be done and not to use XXXX. Yet its offered on their mobile app. ( WOW ) Im a single mom who tried to get her son tickets to a game for his birthday. I was a victim of scam.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation