NAVY FEDERAL CREDIT UNION

2018-11-20

La Vernia, TX

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

Timely Response

2018-11-20

Bowie, MD

Managing the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2018-11-20

Grovespring, MO

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Bank blocked my online access. Even after I sent required paperwork, they told me to go to branch which is 2 hours away.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-20

San Jacinto, CA

Problem with the payoff process at the end of the loan

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

Complaint: I have requested on numerous occasions for information about the loan listed on my report for over {$5000.00}. I believe it is not mine. I NEVER took out a line of credit. I requested information over the phone and was transferred over 6 times and still was not given an answer or proof of the loan. I am requesting documentation that has my signature, the application that I filled out, the contract, and proof that I am the actual owner.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-19

Charlotte, NC

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: on XX/XX/2018 I authorized a deposit for a transmission rebuild for {$700.00}. {$100.00} cash was given and {$600.00} was taken from my Navy Federal Checking Account. I was told i needed to do so by the repair shop so I would not be charged for towing. I did so reluctantly as a XXXX Vet on a fixed income I had applied for a grant and was awaiting a decision. I was told by XXXX XXXX once he got the check for the invoiced amount of {$1400.00}, I could reverse the deposit charge of {$600.00} and he would give me the {$100.00} when the check cleared. The grant was granted about a week and a half later at which time the car was delivered not only was the work not done but other parts of my car had been damaged from towing to intake and other engine components. The car literally malfunction 30 minutes after delivery and has not been working properly since with the check engine light on at delivery of vehicle. the 2 months it stayed at XXXX my car was damaged repeadtedly. SO when I filed the charge with Navy Federal for overpayment and work not done ; they did not document or take my evidence into consideration properly. 2 1/2 weeks ago the repair shop filed a dispute with their bank and had the {$600.00} reversed. Navy federal immediately reversed the charge stating I did not provide evidence. This is the second incident of Navy Federal claiming documents were not received an in both cases continues to leave me responsible for payment. As well they took this money out of my account that my VA XXXX is deposited which is also illegal. Last year I was also told I was now responsible for another persons account that I co-signed for after I had returned paperwork to b removed form account. They refused to move me from account and continue to hold me fully responsible. So when the dispute was challenged Navy Federal requested several documents and turned in all and then they said it was not information to turn into VISA so they were going to let a thief keep {$600.00}. I spoke to the rep XXXX today in the Dispute Department she over talked me and was very arrogant and rude with her explanation and refused to take into consideration the error that has been made by Navy Federal
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2018-11-19

VA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX, we ( my fiance and I ) submitted our mortgage information ( bank account numbers, Social Security numbers, etc. ) through a fax machine. We sent the papers to a fax number that was on a Navy Federal fax cover sheet. We received notification that it successfully went through. Navy Federal ( they ) emailed us after asking if we submitted our documents. On XX/XX/XXXX we realized that Navy Federal had not received our paperwork. We were told on XX/XX/XXXX that it was at a Navy Federal and they needed to locate the paperwork. On XX/XX/XXXX Navy Federal realized the documents were not in their possession. On XX/XX/XXXX they said they received communication from the law firm " found a fax that Navy Federal sent but they did not have our forms '' ( Navy Federal did send a fax in the beginning trying to locate the papers ). We called the law firm, not believing Navy Federal and they located our forms within 5 minutes of the start of our conversation. The law firm did destroy the papers. Navy Federal apologized however they refuse to provide any compensation or sense of security of our private information as we " did not lose any money '' and " it was a glitch in the system as to why they provided the wrong fax number. '' Attached I have my call log of who, when, the phone number and anecdotal notes of what was said. I even included the law firm 's contact information too.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-11-19

San Diego, CA

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

2018-11-19

Fort Wayne, IN

Incorrect information on your report

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

Account status incorrect
Complaint: I started an application for an auto loan but never submitted it. I just filled out the initial information about me. I did not submit it because i was waiting for my credit score to improve as indicated on XXXX XXXX. Next thing I know, NFCU did a hard check. I tried to resolve this with the company, but I got told off. They claim I agreed to let them do a check just by beginning to fill out the application. I asked for them to provide that agreement to me and they could not. I demanded they remove the hard check. They did not.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-11-17

Jacksonville, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I have a loan through my credit union for a new car loan. My payments are due on the XXXX of each month. This month my payment falls on a Sunday. I logged onto my account today which is the XXXX and my account is flagged as being delinquent. I spoke with a Representative at the Credit Union and she informed me that my account was not delinquent, but because they are linked to the Treasury system it is flagged this way because of the posting. I pay my bills on time, and this is really frustrating to have my account flagged in this manner when it is not applicable to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-16

Bee Spring, KY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I am filing this complaint for two reasons, I believe that Navy Federal failed to take proper action when I notified them of fraud on my account. They failed to mark my card as lost or stolen which allowed more unauthorized and unreimbursed charges to be added to my account. Secondly, I do not believe they did a true investigation on my account, because I was told that these types of claims could take up to 10 days and both of my claims where closed within 24 hours. They also never advised me to get a police report for this fraudulent activity. They never called to ask follow up questions. My card was used in New York and Florida which are places that I could not have been in as I was in the hospital in Kentucky, of which I notified Navy Federal. My card was used to send money to people and address that I do not know. I think these are all clear signs of fraud that Navy Federal chose to ignore. Here is an outline of my interactions with Navy Federal : XXXX XXXX Unauthorized charges appeared on my account ( Please see attached police report for charge amounts ) XX/XX/XXXX -Called Navy Federal to dispute unauthorized charges on my account. They said that they would file a fraud claim and add a provisionary credit to my account XX/XX/XXXX I spoke with a male Navy Federal representative, he notified me that there was a mistake on my claim. They had failed to mark the card as lost or stolen. XXXX XXXX-The fraud claim was denied XX/XX/XXXXI sent an email, to request my claim be reopened and more thoroughly investigated. As I was in the hospital and could not have made these charges. I also called several times that day. The investigation was reopened and closed again within 24 hours. XXXX XXXX- I filed a police report. I hopes that Navy Federal would take my claim more seriously if I was able to submit legal documentation
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-16

Virginia Bch, VA

Written notification about debt

Debt collection: Credit card debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-16

Finksburg, MD

Incorrect information on your report

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

Account status incorrect
Complaint: I have tried numerous times to get this company to validate their claim that I owe. They are unable to produce any evidence that I owe them. I believe this account might be related to my ex-husband. I would like them to produce a signed contract or remove this entry from my credit report and cease all communication with me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-15

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

2018-11-15

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

2018-11-15

Atlanta, GA

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

2018-11-15

Lancaster, TX

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

2018-11-15

Berkeley, CA

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

2018-11-15

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

2018-11-15

New York, 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: Closed with explanation

Timely Response

2018-11-14

San Diego, CA

Incorrect information on your report

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

Account information incorrect
Complaint: My car was repossessed and sold around XX/XX/2017. The bank has not sent me any information regarding the sale or the amount owed. The amount still has me in default for the whole amount. Under the laws of the State of California UCC Section 2983, I am required to receive any notification regarding this automobile. And I was not.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-14

Arlington, TX

Fees or interest

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

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

Timely Response

2018-11-14

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

Timely Response

2018-11-13

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

Timely Response

2018-11-13

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

Timely Response

2018-11-13

San Antonio, TX

Managing an account

Checking or savings account: CD (Certificate of Deposit)

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

Timely Response