NAVY FEDERAL CREDIT UNION

2018-06-05

Bellevue, WA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-06-05

Springfield, MO

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

2018-06-05

Washington, DC

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

2018-06-04

Tulare, CA

Incorrect information on your report

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

Account status incorrect
Complaint: I filed bankruptcy XX/XX/XXXX. I was an authorized user on this credit card ( Navy Federal Credit Union ). My husbands credit report shows this account is included in the bankruptcy but on my XXXX credit report it is showing this account as being currently late and with the remarks : Bad debt & placed for collection & skip. I disputed this incorrect information in XX/XX/XXXX and the beginning of XX/XX/XXXX. It has still not be removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-04

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2018-06-04

Atl, GA

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

Timely Response

2018-06-04

Richardson, TX

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: After trying to reach a resolution with Navy Federal Credit union, it seems that in their previous response no answer was given on the steps being taken to remove these accounts from my name and the identity theft that has occurred. Previously i tried to notify Navy Federal Credit Union, that i have not ever applied for Membership with their Credit Union. I did not apply for any credit cards, and i have not applied for a checking or savings account. These accounts were opened as a result of Identity theft. I will attach the FTC Report. Navy Federal isn't taking any steps to resolve this issue and as a matter of fact they think its more or less a joke. I do not find Identity Theft a joke and do not find it funny. I even notified them by letter that i was a victim of ID theft and that i believed accounts were opened in my name. Additionally i did not allow permission for anyone to add me as an authorized user on any card this is also fraudulent. I notified their credit union promptly. Nothing has been resolved and they are showing two charged off cards and one card on my credit report as an authorized user. I did not use these cards to benefit. I did not apply for these credit cards or membership this occurred online. I did not give authorization for these credit cards. I want this resolved. You already attempted to send the Police department to my home for Elder abuse? This again is harassment first of all, the cop was stunned to learn that the person you said i was alleged abusing doesn't even live in my home. I advised the police officer that, and also advised Navy Federal has caused harassment to me and my entire family. This is the third case of Elder abuse they attempted to turn me in for, and lost every single time. Stop trying to harass me and my family. Remove the fraudulent accounts from my name and my liability. I do not care who your director of security " XXXX '' is and i do not care he used to be a police officer as he stated to my mother, and once again threatened her to visit her home. Then advised her he will turn me and my mother in for Elder Abuse. He attempted to do so and had the police department come to my home on false accusations. Again this is harassment. You can't send police to my home when you have no applicable cause. I want the CFPB to look into the way Navy Federal is treating people, especially victims of Fraud they treat them like dirt and harass them, threaten them and even go as far as to show up to your home. This is scary and you should not have to feel threatened from a Financial Institution.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-04

Lake Elsinore, CA

Opening an account

Checking or savings account: CD (Certificate of Deposit)

Unable to open an account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-04

Oviedo, FL

Problem when making payments

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

2018-06-02

Chicago, IL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

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

Timely Response

2018-06-01

Incorrect information on your report

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

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

Timely Response

2018-06-01

FL

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Complaint: * Son ( formerXX/XX/XXXX) called for information about parents account -- - parent recorded with out their knowledge -- - which is agents Florida statue 934.03 -- - subsection three d * Filed two complaints, one was miss processed -- - The other one simply vanished
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-31

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

2018-05-31

Ridley Park, PA

Incorrect information on your report

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

Information belongs to someone else
Complaint: In XX/XX/2017 I contacted Navy Federal Credit Union via telephone asking them to remove a credit card account listed on my report that does not belong to me. The balance on this account is {$3500.00} with a limit of {$4000.00}. I was added as an authorized user without my knowledge. This account does not belong to me. The response I received stated that they were unable to remove the account so it is now listed on my credit report. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-05-31

Atlanta, GA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Money was taken from your account on the wrong day or for the wrong amount
Complaint: NFCU refuses to grant a loan of any kind to this XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Veteran, especially when this XXXX has qualified on several occasions for a VA Home Loan. NFCU refuses to reimburse all of the current Fraudulent NSF fees applied to this XXXX NCFU account XXXX when this XXXX has a receipt that a deposit was made to cover checks written to this account ; as well as reimburse this XXXX for {$2.00}, XXXX Fraudulently stolen from this XXXX Savings account XX/XX/2017 and put back in this XXXX Account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-31

Mount Pleasant, SC

Managing an account

Checking or savings account: Checking account

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

2018-05-31

Newark, DE

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

2018-05-31

University Of Nc, NC

Closing your account

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

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

Timely Response

2018-05-31

Atl, 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

2018-05-31

La Mesa, CA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Title loan

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

Timely Response

2018-05-30

Newnan, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: In XX/XX/2012 I was made the POA for my elderly father. My father had credit cards with XXXX and Navy Federal Credit Union. I contacted them and provided them with copies of the POA documentation and asked that I be added to his accounts in the capacity of POA since he was no longer able to pay his bills and make decisions. I had complete signing and decision making for all of his affairs. In essence I was basically him. I was unaware that prior to coming to live with me my father had taken out a student loan in California that he defaulted on and they began to garnish his pension. As a result he was unable to continue to make payments on his credit cards because they were taking a considerable amount to repay the federal student loan. So XXXX and Navy Federal decided to add me as a joint owner and on after me and my assets for repayment. I was never a joint owner I never signed to be a joint owner or gave my permission. The cards are now charged off and they have added these to my credit profile. I have tried to dispute through the credit bureaus and I am unable to get these removed. They are preventing me from purchasing a house and I have tried to resolve with no success. I need assistance in getting them to remove items that should have never been placed on my credit profile. Can you please assist me with this. I have included a copy of the POA. I also found the email from them acknowledging the POA and they also made us fill out their form and get it notarized
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-30

Fair Hope, AL

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: Also refer to pending CFPB Complaint # XXXX. After the death of my spouse in XX/XX/XXXX, I discovered that Navy Federal had blocked me from any access to mortgage information. Their justification was that since the initial mortgage processor, XXXX XXXX, deleted my name from the account because it was my husband 's VA guaranty certification that was being used ( not mine. ) I continued to research the issue, including determining that a previous VA-related mortgage with Navy Federal under the same circumstances maintained my status as a co-borrower. I recently located the loan documents for the current loan that Navy Federal personnel have blocked me from and which Navy Federal has refused to include in my credit report for on-time payments since XX/XX/XXXX. The certified/recorded loan documents, including the loan, Deed in Trust and VA addendum all contain my initials, my typed name and my signature in addition to my signature as attorney-in-fact for my husband. Navy Federal personnel for four months have refused to acknowledge or repair the damage from their failure to process or service the mortgage documents properly, including credit reporting on my file and providing online and all other access to the current mortgage. Over these months, not one of fourteen online and branch employees-including the 'Survivor Relations Counselor ' could be bothered to even research the documents that clearly illustrated Navy Federal 's error. It was easier for all personnel, especially mortgage supervisors, to threaten and pressure me to apply for a new mortgage instead of the VA-directed correction of a surviving spouse assumption. There is no excuse for such systemic, corporate-approved deliberate negligence and misfeasance.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-30

Atlanta, GA

Opening an account

Checking or savings account: Savings account

Unable to open an account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-30

Stevenson, MD

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Complaint: I have set up payments for an auto loan with Nfcu, in the amount of {$500.00} each month. I cancelled the reoccurring payment in order to make an earlier payment, this was on XX/XX/XXXX. Since XX/XX/XXXX Nfcu continues to debit my account for {$500.00} any chance they get and no one can explain why its happening. It is causing me to become over drawn, checks bouncing, over draft fees and my finances are in a scramble right now. Every time I see the debit for {$500.00} I call and they some way or another reverse it but they literally just shift money around through all my accounts to make it work. This is very frustrating, and it is debilitating having to deal with this.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-30

Vab, 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