NAVY FEDERAL CREDIT UNION

2019-01-22

Katy, TX

Incorrect information on your report

Payday loan, title loan, or personal loan: Personal line of credit

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-22

Vab, VA

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-22

Dallas, TX

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

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

Timely Response

2019-01-21

George, WA

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: Navy Federal Credit Union refuses to accept the fact that my wife closed her account with them 40 years ago. This is despite the fact that there is no account balance either debit or credit, and there has been NO ACTIVITY on the account for +/- 40 years. When my wife recently responded to one their advertisements and tried to create an account, they insisted on using the 40 year old account, and would not use her current legal name. It seems that NFCU refuses to understand that a woman may get married and change her last name. Because of this refusal to use current information that my wife cancelled the account creation process, and has tried several times to get them to quit reporting that She/We have non-existent accounts with them. I never opened any account with them, and they keep reporting that I do have a a credit card account with them. They refuse to talk to me and keep insisting that they can only speak to my wife because the 40 year old totally inactive closed account was in her name, despite being told by her that they can talk to me and THEY ARE REPORTING THAT I HAVE A CREDIT CARD ACCOUNT. If I " have an account with them, I should be able to talk to them about their reporting to the credit bureaus in a manner that affects my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-01-21

Jamaica, NY

Incorrect information on your report

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

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

Timely Response

2019-01-21

NC

Trouble during payment process

Mortgage: VA mortgage

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

Timely Response

2019-01-18

Charlottesville, VA

Trouble during payment process

Mortgage: VA mortgage

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

Timely Response

2019-01-17

Jax, MS

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX I paid the amount of {$890.00} to XXXX XXXX regarding a student loan debt for my mother XXXX XXXX XXXX they advised that once I paid the money of {$890.00} her loan she would not owe a dime any more and the loan would be a XXXX balance. This was not the case a year after she signed the paperwork and I paid the amount of {$890.00} which the paperwork they said showed but the student loan XXXX XXXX advised this was fraud and that my mother still owed the debt. They also advised that every year she would need to recertify which XXXX XXXX never told me when they were getting my money. I am requesting a refund based on FRAUD false misleading documents received XXXX took money from me on false pretense and sent paperwork FRAUDULENT DOCUMENTS to the consumer. I advised Navy Federal Credit Union of the FRAUD immediately and ask for a refund to be credited back to my debit card. As of today 's date after filing this with Navy Federal on XX/XX/XXXX I have not received a refund for the FRAUDULENT TRANSACTION. This company is sending out FRAUD DOCUMENTS making the consumer believe they are debt free from the debt when they are not. Acting on behalf of the Federal Government in order to receive money that they are not entitled too.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-17

Bogue, NC

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

2019-01-16

Charlotte, NC

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: Im referring to my navy federal credit union account ... .through overdraft protection service my account has had a balance of negative XXXX. I explained that I had to leave my job due to safety I sent in police reports and everything. It was confirmed through member services that I had until XX/XX/XXXX to clear the account before my account would be closed. I received a phone call from NFCU about 3 weeks ago saying my account would be closed in XXXX but when I referenced the letter I was sent saying XX/XX/XXXX th they confirmed once again that I had until then BEFORE my account would be closed. Well as of yesterday I was unable to see my checking information in the member portal and when I did call today to ask why I was told my account was closed yesterday and there was nothing they could do about it ... I begged and pleaded and assured that as I have promised before and through the whole time that I was not ignoring my debt but would take care of it by XX/XX/XXXX and they said they could not do anything about it ... I explained that I did not understand because two different people on two different dates had confirmed the XX/XX/XXXX date with me and they still failed to take action to help me .So this is why Im asking for your help because I didnt have to submit police records or give any information but I did in hopes that they would see my honesty and work with me which appeared they did but Im actuality they did not after two times confirmed in secured Member services and have closed my account.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Timely Response

2019-01-16

Richardson, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2019-01-15

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-15

Dale City, VA

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

2019-01-15

San Diego, CA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I get repeated calls from this phone number they leave a message but other it just rings and then if i do not answer they will call again the next minute. I get a minimum of 4 phone calls a day and up to 5. f or example on XX/XX/2019 XXXX called at XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX on XX/XX/19 XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX and it is like this Monday through friday. Pacific standard time.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-15

San Antonio, TX

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

Timely Response

2019-01-15

Fort Washington, MD

Charged fees or interest you didn't expect

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

Timely Response

2019-01-15

Bellaire, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-15

Jacksonville, FL

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

Timely Response

2019-01-15

Belleville, IL

Managing the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2019-01-15

Jacksonville, FL

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 monetary relief

Timely Response

2019-01-15

Arlington, VA

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-14

Keyport, WA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Navy Federal has locked my access to my account due to an attempted XXXX money transfer. Navy Federal staff refuses to try to verify my identity or to work with me to allow me to get access to my account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-14

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

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

Timely Response

2019-01-14

CO

Struggling to pay your loan

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: My checking Line of Credit product is overdrawn. Upon the payment coming overdue by 1 day, the institution took all funds out of my checking account automatically and applied it to the overdrawn balance. A week later my military paycheck deposited into my checking account and every penny was immediately transferred toward the balance as well, automatically. I contacted the institution and they informed me they refuse to reverse the transfers and that any money in the account will be automatically transferred until the balance is satisfied. This is, in effect, garnishing my wages and also caused approximately 35 NSF fees totally ~ {$750.00} because they will not allow me to deposit funds to cover these payments. I am in touch with an attorney and prepared to take this matter to court for the full amount of any debts with the institution with additional funds for the financial stress and credit damage that this has caused.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-14

Seneca, SC

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX XXXX has an 60 Month installment loan with Navy Federal Credit Union open on XX/XX/2018 to present that is paid as agreed on monthly basis. My XXXX credit report is reading a Navy Federal Credit Union revolving loan instead of 60 month term installment loan, because it is missing 60 term on loan in the correct box under terms. Please update and correct my Navy Federal Credit Union Loan from revolving credit loan to 60 month term installment loan with XXXX, XXXX, and XXXX. For the months and duration of loan, it is missing 60 month term in correct box, Please add 60 month term to this loan in the correct box. Navy Federal states problem is with XXXX. XXXX states problem is with Navy Federal Credit Union. XXXX XXXX XXXX just wants 60 month term loan corrected with both XXXX and Navy Federal Credit Union immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response