NAVY FEDERAL CREDIT UNION

2019-01-14

Lithia Spgs, GA

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

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 XXXX spoke with XXXX MSL # XXXX on XX/XX/2018 and he stated Navy Federal Credit Union would remove the credit hard inquiry from my XXXX, XXXX, and XXXX Credit Report since it is not reporting in Navy Federal Credit Union System. XXXX XXXX XXXX did not authorize Navy Federal Credit Union to make any Hard inquiry and view his credit report. It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumers credit report. Demonstrate that the hard inquiry for Navy Federal Credit Union dated XX/XX/2018 met this requirement, pursuant to the Act. Please delete Navy Federal Credit Union hard inquiry from my XXXX, XXXX, and XXXX credit report immediately that Navy Federal Credit Union maintain under XXXX XXXX social security number without my permission. XXXX XXXX would like confirmation letter that Navy Federal Credit Union has removed and deleted this hard inquiry with XXXX, XXXX, and XXXX credit agency.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-12

Clarkesville, GA

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
Complaint: On XX/XX/2018 I was involved in a scam.My XXXX account had wrong billing information so I called XXXX to resolve the issue. The lines were disconnected and i received a call back from an individual falsely identifying themselves as employees of XXXX. The individual then informed that my XXXX account was being hacked. He told me I needed to buy XXXX cards to contact the servers to fix the situation. After I got them, he told me that I was being hacked by XXXX servers and I needed to purchase " XXXX XXXX '' cards. I purchased some and they were telling me that some of the cards were working and others were not and that i needed to purchase more to have my phone unhacked. They were telling me that i was going to get a full refund because it was a problem that happy because of XXXX and XXXX. It really got out of hand and I didn't realize it could be a scam till one of the banks told me that these has been happening recently. I had no idea. These individuals were using tech jargon and giving ID numbers and phone numbers, I honestly should have known and I used poor judgment in this matter. A police report was filled.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-12

Chicago, IL

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

2019-01-10

Cypress Gardens, 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 explanation

Timely Response

2019-01-10

Wickliffe, OH

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: On XX/XX/2019 Navy Federal Credit Union took {$380.00} out of my account for a credit card debt that I am reinstating bankruptcy for. I explained that they had no right to take money from either my XXXX or XXXX XXXX XXXX XXXX Compensation checks without authorization. Collections told me they could take money owed them because they claim my XXXX compensation is the only one exempted which is not true. My XXXX XXXX check is exempted also. They refused to replace and threatened me that if i dont make an arrangement to pay them they will took the next check as well. I can not stop either check from being direct deposited due to the government shutdown. I contacted my bankruptcy attorney today and he is filing my new bankruptcy asap. As soon as the government reopens, yet I have no way of knowing what the collection dept at The Navy Federal Credit Union in XXXX will take my money. My deposits stated on my bank statements as ( XXXX and XXXX ) both from US treasuries.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-09

Montgomery, AL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-09

Shulerville, SC

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: XX/XX/XXXX and XX/XX/XXXX money was taken out of my account without authorization. I called and was told that there was no way to revert the funds. This money was owed to me by an old employer and was going to be used to pay bills my husband had to pay while waiting on these funds. I had set up arrangements with Navy Fed who advised that I could call them back if I was unable to find employment. I am still unemployed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-09

Clarksburg, MD

Getting a loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2019-01-09

Ehrhardt, SC

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

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

Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-09

Managing an account

Checking or savings account: Savings account

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

Timely Response

2019-01-09

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

2019-01-08

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-08

Hilo, HI

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

Timely Response

2019-01-07

San Diego, CA

Getting a line of credit

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

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

Timely Response

2019-01-07

Chesapeake, VA

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-01-07

Key Biscayne, FL

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: On XX/XX/XXXX I sent a request for appeal via certified mail to Navy Federal Credit Union in regards to an account closing. The aforementioned institution has placed me on restriction from using its products due to fraudulent activity in XX/XX/XXXX and has reported this restriction to XXXX XXXX XXXX XXXX, This has essentially placed my personal financial activity on hold with my other banking institutions and jeopardizes the closing of those accounts and the in ability to open another account/product with existing institutions or new ones. In this request, I sent copies of the transactions in question as well as all of my personal identification information, all of which proves that I not only did not initiate the transaction as the " Fraud Activity '' claim would infer, as I was a victim of a client who gave me 2 checks that I had no prior knowledge were drafted on a closed account. After my Navy FCU account was restricted, I made sure that the entire transaction amount was 'Paid in Full '' plus absorbant fees were paid as well. Despite my earnest efforts to explain and bring forth a positive closure to the this stress situation I have received absolutely no clarity or response form Navy FCU.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-07

Cloverly, MD

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-01-07

Browns Mills, NJ

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

2019-01-07

Virginia Bch, VA

Trouble during payment process

Mortgage: VA mortgage

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2019-01-06

Silver Spring, 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

Timely Response

2019-01-05

Kennesaw, GA

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

Timely Response

2019-01-05

Walhonding, OH

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

2019-01-04

Council, NC

Trouble during payment process

Mortgage: FHA mortgage

Complaint: My home was completely devastated during hurricane Florence leaving the house uninhabitable with no roof, no walls, no floors, no electricity. The insurance company has authorized a limited amount of time where they will pay temporary housing and that goes month to month and could end at any time. It has been almost four months since the storm and little progress has been made on the house mostly due to slow insurance settlements, however, now that the insurance company has began issuing checks, Navy Federal Credit Union is not releasing the funds in a timely manner. The checks issued by XXXX XXXX XXXX XXXX are written to my wife and I, and the mortgage company, Navy Federal. My claims specialist at Navy Federal is XXXX XXXX and the incident number is XXXX. Her phone number is XXXX XXXX option 1. On XX/XX/XXXX I sent XXXX XXXX a receipt where I paid XXXX dollars in cash to a tree company to remove a tree that was through the roof of my house and wrapped up in a powerline. The insurance company approved this amount and verified that the receipt I provided was enough for them to release payment to reimburse me for my out of pocket expense. XXXX asked me for more proof that this money was spent such as a withdrawal from a bank which I did not have as this was cash my wife and I had saved for a rainy day, such as a tree crashing through our roof during a hurricane. The roof has been repaired as verified by insurance inspectors and county inspectors, which would not be possible if the tree that I paid to remove was still through the roof. XXXX XXXX has offered no further guidance and will not even respond to emails I have sent asking about reimbursement. On XX/XX/XXXX I sent a cashed check receipt from my bank for labor I paid the contractor working on my house in the mount of XXXX dollars. Again, XXXX XXXX has not issued payment to reimburse me and is not responding to my emails asking about repayment. I have called the number provided and been told on multiple occasions that " she's not on the phone today '' presumably meaning that she is working but not accepting phone calls. No one else that answers is able to help me. There seems to be no recourse of action and no one to talk to. I have received no explanation as to why or when I will get my insurance money that I have provided receipts for. This is now XXXX dollars that was sent to me by my insurance company that Navy Federal has just kept. We lost almost all of our belongings in the hurricane, spending a couple weeks homeless. The expense has been tremendous. I do not have money or faith in Navy Federal to repay me any longer and there is no one being held accountable in their insurance claims department. The insurance company can stop paying our housing allowance at any time, putting us back on the street. We have made all of our mortgage payments to Navy Federal for a house that we can not use and a house that they are getting money from insurance for but is still uninhabitable largely due to their inability to repay us.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2019-01-04

Ampthill, 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

Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response