NAVY FEDERAL CREDIT UNION

2018-05-30

Atl, GA

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

2018-05-30

Brandywine, MD

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-05-30

MD

Incorrect information on your report

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

Information is incorrect
Complaint: Nagy Federal added amount for tax assessment change to current loan balance and thats illegal
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-29

Tallahassee, FL

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
Complaint: I received a notification that someone had checked my credit report. When i logged into XXXX, I saw that Navy Federal Bank pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-29

DE

Fees or interest

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

Charged too much interest
Complaint: Submitted paperwork to navy federal credit union of my military status of the SCRA, which caps intrest rates at 6 %. Navy federal has had over a year to fix my accounts which at one time became deliquent due to navy federal restricting access to my account, restristed online access to make payments for payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-29

Madison, WI

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-05-29

MD

Fees or interest

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

Charged too much interest
Complaint: Good morning, Im contacting you to assist me with obtaining a lower interest rate, Im a member of Navy Federal for 4 years now, I have been a loyal and consistent customer, However, I really feel discriminated against on the rates I receive, I obtained a Mortgage XX/XX/2017, my score at the time was a high XXXX low XXXX, rates were great at that time, however, I received a 4.875 rate, which is insane, I recently applied for auto loan, was offered 14 percent apr, got 6.8 from XXXX XXXX, applied for auto refi, offered 10,69 rate, last, I have a credit card with out standing balance, in 3 years never late, they will not offer me a lower rate, my current score is XXXX, whats bad about that score? Nothing, they realize that Im trying to maintain my credit for future home refi and there just being very unprofessional with the feel of discrimination and it herts, because I work hard to do right by them and my credit standings
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-25

Temperanceville, VA

Took or threatened to take negative or legal action

Debt collection: Payday loan debt

Collected or attempted to collect exempt funds
Complaint: On XX/XX/2018 Navy Federal applied an adjustment subtracting {$780.00} from my checking account without my approval or communications. This account is used to receive my VA XXXX XXXX XXXX funds that are deposited every month. I called after realizing this deduction at XXXXXXXX XXXX EST and was told that even though it was done internally, they refused to correct the issue.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-05-25

Alta, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: Navy Federal made a serious error that they submitted to XXXX XXXX my name social security number, with my zip code, and phone number. This makes my identify compromised for identify theft. This is of huge concern as I have already experienced such a situation and it cost me money time, and impacted my credit in a negative manner. I had to deal with attorneys and to this date I have attorneys that I dealt with that tried to collect money from me that was not mine. I still have an address that I never lived at and it took me a long time to get corrected. This is all being done by Navy Federal Credit Union. They want to make this my problem to monitor and manage this event though this was 100 % their fault and has a chance that the black web or anyone else could harm me.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-05-25

Cresaptown, MD

Problem when making payments

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

You never received your bill or did not know a payment was due
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-25

Cresaptown, MD

Struggling to pay your loan

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

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

Timely Response

2018-05-24

Key Biscayne, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: Navy Federal Credit Union has employees stealing thousands of my money everytime I spend it. They are making banking errors denying my claims and then reversing the denial and stealing the money. XXXX XXXX XXXX ( XXXX and XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) and and XXXX refunded me money and they keep trying to keep the money and not credit it back on top of trying to take money by fraudulently claiming false fees when I am not making credit but debit purchases. They also stole money from me when I reported my credit card information was stolen while in jail and while at the airport. They denied my claims and plan on keeping the money after closing my account. They cooperated with corrupt police officers in XXXX/XXXX area and fraternized with them and stole money from my account trying to change the status of my case. On top of all of this they did not report all of my transactions on the documents given to me. They intercepted my calls as well.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-23

GA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: moneay XX/XX/XXXX I called my insurance company to get to get a refund of over payment of a check in the amount of {$620.00}, the insurance agent told me they need my bank statement in order for them to issue me a check the same day before cashing my check they needed to verify that when they deposited my check there was enough money in my account, they requested a current bank statement. I placed about a four minute phone call to navy federal to request statement be faxed to me, which they did then I faxed to my insurance agent which is the supervisor of that department. Later on I discover fraud charge on account of {$180.00} I called bank again to report. The initial person stated that my card was used online transaction she reordered new card said it would come via XXXX expedite shipping within 2 days, she then told me to enter new pin number into phone so it would be ready to use as soon as I got which I did follow the instructions, I was then connected to fraud department to continue with reporting, a man asked several questions and told me transaction was not done online but was swiped/ chipped I told him I was never on XXXXhe asked if I lost card I checked and still had card in purse and I don't believe any family would use my card. on XX/XX/XXXX I am doing web bill pay transaction and see there is a message dated XX/XX/XXXX stating investigation is complete and they are holding me responsible for charge located at store in XXXX, since I was already online with site open I immediately made call to bank since their message states " as a consumer I have the right to request any documentation that was used in the decision '' while I was requesting the " documentation '' on the phone I was also typing the request for the same documents on the website message system, I also stated that as of date new card has not yet arrive so she checked and said it was sent out via regular usps and needed 4-5 more days to arrive, I told her unacceptable I want my card sent via XXXX as I previously requested she once again placed order for new card stating she would cancel one enroute so it can not be used arp gain asking me to enter new 4 digit pin for the card because she noticed that the closest branch was such a far distance away from my address which I demand I would not do I would go to bank to active my card, I then requested that they provide me a letter on this and past reported cases of fraud by me that required a new card they responded with the new message on site that I would be the one to submit any evidence in the appeal process but they didn't provide to this day the documents I requested for their decision nor my request letter of which I also have proof that will be submitted
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-23

UT

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: I started playing an online game. I made a few small in app purchases for {$4.00} to {$9.00} each. These purchases where made using XXXX XXXX. Thousands of dollars worth of charges have shown up on both of my Navy Federal credit cards. XXXX XXXX refunded a bunch of them on one of the credit cards but refused to on any of the other charges. I contacted Navy Federal and started the dispute process. They just sent me letters for each dispute saying that they're not going to refund the purchases, I did NOT agree to these charges, dozens of player 's on this game, from all over the country are being charged thousands of dollars that they did not spend. The display of incompetence and the supporting of this fraudulent behavior, displayed by both Navy Federal Credit Union and XXXX XXXX is beyond ridiculous. I have played their games, jumped through their hoops and they are still trying to steal from me. The app is named XXXX XXXX XXXX XXXX. It is a XXXX based game and they are over charging there player 's thousands of dollars. Navy Federal Credit Union and XXXX XXXX is enabling this extortion. I have spent dozens of hours of my personal time trying to resolve these issues. I seldom use these credit cards so I wasn't paying attention to the account balances going up over the 4 or 5 months that these charges where accruing. It is going to be nearly impossible for me to itemize these charges, as I have a XXXX from an XXXX in XX/XX/XXXX. I truly believe that both of these institutions are using this against me. My inability to sort out every XXXX, I get confused when I get stressed out and I'm unable to work through these things. Bottom line is I did authorize about {$150.00} to {$200.00} worth of charges, not {$10000.00} plus. I no longer have the mental capacity to play these XXXX games.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-23

PA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I am providing by request from navy federal. On the XX/XX/XXXX the transactions that need to be addressed. I did this in XX/XX/XXXX XX/XX/XXXX and 2 times this year. I cant see credits from navy federal anywhere on here. The only deposits made to bring account positive were my deposits. They paid Bill 's when I asked them not too. And they tried each bill 2xs with fees and no refunds. By doing this they made a horrible situation worse. And took account to XXXX dollars. There were no credits for the fraud or checking account checks due to them. My mom XXXX XXXX XXXX was a joint owner on this account. I have provided death certificate twice. This fraud attacked her and I. Since she was a joint owner this account should have been taken to XXXX balance and taken off all reports. Please look at uploaded material and notes I've made for you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-23

Cucamonga, CA

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

2018-05-23

Ft Lauderdale, FL

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
Complaint: Navy Federal Credit Union ( NFCU ) offered to reimburse up to {$500.00} in appraisal fee, pending that I used my NFCU credit card to pay for the cost of the appraisal. I received the request via mail and decided to use the promotional offer. The appraisal fee of {$450.00} was paid on XX/XX/XXXX using my NFCU card, and I closed on the property XX/XX/XXXX. According to NFCU, the money would be returned to me within six weeks of closing, but theyve failed to adhere to their policy. I called to follow up XX/XX/XXXX and was not able to get a definitive answer from XXXX ( MLS # XXXX ) which stated she would notate the account because I complained about calling multiple times.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-23

Marion, MT

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-23

TX

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: I received a promotional offer stating that if I used my credit card on any 5 purchases that total {$100.00} from XX/XX/XXXX-XX/XX/XXXX, I would receive a {$10.00} bonus as a statement credit ( within 90 days after the end of the promotion ). I made 5 purchases from XX/XX/XXXX-XX/XX/XXXX totaling {$110.00}. I waited until XX/XX/XXXX ... .when I should have seen the credit, as XX/XX/XXXX was 90 days. Then I waited for a statement or 2 more ... .no credit. On XX/XX/XXXX I called the bank issuing the credit card and spoke to XXXX, describing the situation to him. He reviewed my account and agreed I should have gotten the {$10.00} credit. He said someone would call me back within 3 days. No one ever called and I still have not gotten the credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-23

Simi Valley, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-05-22

Philmont, NM

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

Timely Response

2018-05-22

Atl, GA

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

2018-05-22

Atlanta, GA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: Hi my name is XXXX XXXX. I am fed up with Navy Federal. I have been harassed by them for some time now. It has started a few months back as soon as I bought some family members on board. I had have a few incident where they have locked my accoutns for no reasons at all and I had to go to verify my account more than 10 times in less then a year of opening my account. I understand that its their job to verify but it comes to my attention that Im randomly being picked. I just recently had an incident where sponsored my dad and I was called by someone by the name of XXXX XXXX from Navy Federal and he asked me personal questions and I remember him asking me my birthdate and when I told him my birthday he told me that how can I not see if my father is listed on my birth certificate. I answered and told him that my father isnt listed on my birth certificate only my mom is listed. So he became aggressively sarcastic and disrespectful to where it began getting me XXXX but I kept my composure during the phone conversation. I called back to complain only to talk to a supervisor who didnt help me at all. It all happened because I sent over a check to my XXXX XXXX account and it was a check sent out to the main branch and not the XXXX XXXX number and I was my mistake so the check took didnt clear and I was told that I have to verify the check by XXXX XXXX but since I never receive the check, I told XXXX XXXX that I dont have a copy of the check to show it was sent under my credit card account. So XXXXXXXX XXXX called Navy Federal to verify the check and Navy Fed said the check was fake. Well someone from the security team at XXXX XXXX called Navy Federal and thats what was told to him. I had to go into to Navy Federal today to verify that it is me and my father had to go verify at Navy on Monday. We did that and his account was unlocked and I was told by XXXX XXXX at Navy Federal that mine will be unlocked. I thought that was the end then he continues to harass me and say things that have nothing to do with me. He said that going forward that any account that I sponsor that does shenanigans on their accoutns I will be held accountable for it. I mention to him that there is no one that I sponsored that is doing any shenanigan or will attempt to do any foolishness. Then his voice became aggressively loud so I kept my composure once again on yet another phone call. He tried to intimidate me with his voice and speak to me as if Im illiterate and dont comprehend. I have had issues in the pass with Navy Federal where my checking account went into negative XXXX and it wasnt my fault. I disputed charges where a company called XXXX XXXX XXXX XXXX charged me for more than a month and I cancelled their services within the 30 day time period. When I disputed the charges, Navy Federal said that there was nothing wrong with the dispute and I know for sure that I cancelled the services. It was months ago. Also I have had charges on my credit cards where I disputed the charges and they also told me that there was nothing wrong and I mentioned to them that the card was in my possession and that it was used. I didnt randomly place charges on my credit card. That credit card Cash Rewards. They never refunded me back my money. I have had issues with XXXX and renting vehicles. I was charged too much for a rental. I reserved a full size car and I was given a compact vehicle. I called into XXXX and they never took care of that situation so I called my bank to make them aware of those charges and that it was never adjusted at the time of the rental or there after. That was one incident with renting from XXXX and I let Navy Federal know that. Secondly I rented a compact vehicle some time ago and I was given a crashed car where the bumper was crashed in the back and the right side of the vehicle was also hit. Before I left with the car I asked the XXXX Manager is there any other cars he said no and I seen more than a few cars in the lot but maybe they were reserved for other customers at the time or day. So upon leaving the lot I was forced to take insurance on the car and was charged for insurance and they never compensated me back for that rental so I called Navy Federal and told them this same thing Im sendning now and I was told that there is nothing wrong with my dispute and charges were correct. How could I not dispute a product that I was given and the product was horrible, dismantle and hazardous to me and my family. The back bumper was coming off and the side attempted to come off because of the wind where it was getting in the way of me look through the side view little mirrors where I couldnt see. So I called in to XXXX to make sure that theyre aware but XXXX failed to cooperate and I called Navy and they failed to cooperate to. I know that if I payed for a product or service and its defective I should refunded or compensated back my funds, I disputed and Navy once again told me that nothing was wrong with the dispute. I just recently rented a car where the price was set at {$99.00} but when I got the email receipt, I noticed I was charged {$140.00} for the rental which was for 4 days and I was told it was {$99.00}. I called to dispute that charge and that they charged me more than what the price was. So I have had bad encounters with Navy Federal not assisting me or helping me in any way possible. I am fed up and I would like to take this to a civil court room if Im not given back or compensated my money for the defective product I payed for and how my bank is ignoring my disputes. Someone needs to give me my money back and I wont stop until I am given all my money back from either Navy Federal or XXXX and other companies that are on past statements. My checking account is now in the negatives, also my business checking account had the same problem. I am being harassed at Navy Federal every time and they wont seem to assist me. I am a XXXX XXXX XXXX and I shouldnt be treated like Im a criminal in any way shape or form. I shouldnt be discriminated against for any reason what so ever and I am willing to take this to civil court in front of a judge. I am sick and tired of being treated like someone who I am not. It is unfair to me as a human being.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-22

Alta, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Contact Date XX/XX/18 EveryDay Checking - XXXX Partian Loan Number *XXXX XXXX XXXX XXXX XXXX , CA XXXX The request was to reduce my mortgages on these two loans by applying money into the mortgage directly. The advised that one loan qualified and the other did not the loan that did qualify took several weeks to send me the paperwork. The interest rates were to remain the same along with the escrow accounts. Although, when I signed at a notary the documents didn't say this the payment was for principal and interest. The bank verbally assured me that this would be corrected. I do not trust verbal assurances as they turn into lies that the bak says never was advised. I have been on the phone and have requested this in writing many times. I am requesting assistance and Credit Union has continued to do as it pleases and is delaying this and costing me money.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-22

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