NAVY FEDERAL CREDIT UNION

2018-05-10

Gpt, MS

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

Timely Response

2018-05-10

Key Biscayne, FL

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: I am a long term customer with Navy Federal Credit Union. I am also ex military. This poses some issues because often military wives network hires and friends sometimes play with service-members accounts. my ACH drafts from my account keep being blocked internally from someone working at the bank intentionally so that my account will then owe funds to the bank for the payments not going through, so they can then INTENTIONALLY PULL FROM MY SAVINGS ACCOUNT FRAUDULENTLY. THIS HAS BEEN GOING ON FROM XX/XX/XXXX TO XX/XX/XXXX. MY BANK IS ANTICIPATING A DEPOSIT AND I TRYING TO STEAL OR PULL MONEY PREMATURELY FROM IN FRADULENTLY. I want my bank accounts to be serviced under fair practices that are non-discriminatory in nature. I have a checking and savings account with this bank. Corruption at the XXXX location is on a community level and should be monitored.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-09

Dallas, TX

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

2018-05-09

Lithia Spgs, 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

2018-05-09

PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This is in regards to the navy federal case. I spoke to customer service because I missed 2 calls today. I was told by the customer service supervisor this would not be resolved in my favor. They are done reviewing it. I sent so much information that was new plus the fact my mom XXXX XXXX passed away they dont even want a death certificate. Once again no help. This company is horrible I need to know who to take it to next. This is a corrupt credit union. I am trying to prove that. Please publish this case for all to see. I've been fighting for at least 2 years. I am telling the truth in each case. I wont stop until they resolve this. They are keeping it in house to make me pay instead of charging it off. I am not paying for I'd theft and the fact the cosigner died and they dont care.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-09

Jefferson City, MO

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: While XXXX on XXXX XXXX in Puerto Rico, my roommate stole my laptop, cell phone, and credit cards. She access multiple accounts, including online banking, XXXX, XXXX, XXXX, XXXX, and multiple other accounts. I have contacted the banks and the website accounts via email or private messaging. Most companies were quick to recognize the abnormal purchasing pattern and locked my accounts down to prevent further use or attempted fraud. Unfortunately, XXXX does not engage in preventative measures, and allowed a stolen credit card to be used on my account to make approximately {$1900.00} in unauthorized purchases. Investigation is completed by XXXX did indicate that the charges were abnormal and likely to be fraud. Regardless of this discovery, XXXX is refusing to issue a refund because of a few minor and singular accidental purchases over the previous four years. Other Banks involved, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, recognize that the credit cards were being used on websites rarely visited and purchases not normally attempted. XXXX, XXXX, and XXXX also recognized that attempted purchases were outside my normal pattern. Each of these Banks and companies froze my cards and my online accounts to prevent further fraud or attempted fraud. Upon recognizing the fraud after returning from Puerto Rico, these Banks and companies were quick to resolve the issues XXXX issue re-establish my accounts. XXXX and Navy Federal Credit Union failed to recognize and prevent the fraud that was so blatantly obvious to every other company. In addition, multiple attempts to contact Navy Federal Credit Union VIA mail has resulted in no response regarding the fraud or investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-09

Saint Marys, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2018-05-08

Live Oak, 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 explanation

Timely Response

2018-05-08

P J S, NY

Improper use of your report

Checking or savings account: Savings account

Credit inquiries on your report that you don't recognize
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-08

Spotsylvania, VA

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

2018-05-08

Kirby, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: My credit score has tanked since banking with this Bank. I started the administrator process to valid the alleged debt that I supposedly owe to this Bank. Theirs response had been flooded by generic letters without providing the original contract bearing my wet ink signature ( promissory note ). According to the Fair Debt Collection Practice Act ( FDCPA ), I have the right to validate any debt I owe. This Bank had since left tons of calls, voicemails and letters trying to correspond with me and ruined my credit score with late payments and delinquent accounts. This Bank have committed fraud for reporting unvalidated information to the 3 major credit bureaus. Im not hesitant to bring a suit against this Bank for violating Fair Debt Collection Practice Act ( FDCPA ), Tax fraud and defamation of Character! These banks must remember that WITHOUT the consumers, theres no business! Ask yourself : Whats a Debt? Legal tender was no longer required for payment of debt on XX/XX/1977! According Social Security Number, Im classified as a minor. A minor can not be a party to a contract ( HJR 192 )! Banks can not loan money. They are in business to buying securities. The consumers signature CREATES the security! And since this Bank have submitted my account ( s ) to collections, they have committed a felony for unlawful use of my Social Security Number. This is grounds for identity theft and distortion. BY LAW, all 3 major credit bureaus must remove these accounts from my credit report. *BOOM* ( Ending Note ) The consumers are the original creditors but was misled by these greedy banks into thinking were the debtor!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-08

Jacksonville, FL

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

2018-05-08

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 explanation

Timely Response

2018-05-07

Heathrow, FL

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

2018-05-07

Philadelphia, PA

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: Navy Federal Credit Union had 4 inquiries on my credit report the inquiries were excessive because they were under 30 days from each. I also have an account with Navy Federal and they have the ability to pull my Fico Score each month for free without causing a hard inquiry on my credit report. I requested a loan and they pulled my credit report twice with in two days of each ... Once they pull my credit report once ... that file last for 30 days.They kept telling me that I had a security freeze on my account, well I lifted the security freeze, they went and did multiple pulls. within days which is unnecessary. Navy Federal Inquiries XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-07

Bakersfield, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-05-07

GA

Fees or interest

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

Charged too much interest
Complaint: Around XX/XX/XXXX, I made a large payment to my Navy Federal Credit Card - approximately {$6600.00} if I recall correctly. Shortly after the payment, I had a life emergency where a family member passed away. Given that the payment was locked up, I called Navy Federal and asked if they could process the payment. When I called, Navy Federal agreed to process my payment and told me my available credit was in the amount of the payment. I then booked my flight, flew to the funeral, and booked a car. A few days after I flew to the funeral, I checked my credit card balance online and I noticed my credit limit was raised from {$15000.00} to approximately {$21000.00}. Given my history with Navy Federal, I assumed this was a result of my recent large payments ( Totaling approximately 10000 ), excellent payment history, and my overall relationship with NFCU and my Credit Score. About a week later, the system changed my limit back to {$15000.00} - putting me approximately {$5000.00} over limit. I immediately called NFCU and asked them to fix the credit limit - they declined. They requested a copy of my credit report, and then determined I wasn't eligible due to my status of my NFCU Credit Card being over the limit. NFCU did confirm in XX/XX/XXXX that there was a bank error - the representative was supposed to inform me that the payment was a temporary limit increase and does not represent any permanent increase. Despite confirming a bank error in XX/XX/XXXX, NFCU did not attempt to rectify the issue. Instead, the balance being reported 140 % over the limit caused my credit score to drop significantly. I recall calling Navy Federal in XX/XX/XXXX and asking about the limit again. I was informed that the limit increase would be considered if I paid the balance below the limit of the card. Feeling like this may be an opportunity to resolve things, I did exactly that. Navy Federal then pulled another copy of my credit report and claimed that " due to recent history '' they would not approve the increase. I also recall another call in XX/XX/XXXX where NFCU told me that I was aware the credit line increase was temporary and that it was entirely my fault ( despite the being told that it was a bank error ). This was by an advanced team ; however, they didn't throughly research the calls - instead, they searched the calls after my initial interaction with NFCU. Between XX/XX/XXXX and today, I attempted to resolve this issue with Navy Federal - hundreds of times if I had to guess. I have expressed to NFCU that this bank error has caused me significant life impacts including : a higher interest rate on a car, numerous declines for credit requests, and overall serious financial hardships ( I had trouble paying the card numerous months due to job changes - 100 % because the minimum payment was significantly high ). In XX/XX/XXXX and XX/XX/XXXX, I spoke with XXXX at extension XXXX. XXXX informed me that she would investigate and find a resolution. During my conversations with XXXX, I expressed the following concerns : - The inaccurate reporting has caused me significant life consequences including higher interest rates - Inappropriate behavior of the bank employee ( breaching terms ) - Overall interest charged between XX/XX/XXXX and the first time we interacted. - Late payments due to the bank 's error. - Inappropriate high balance reporting compared to the credit line. - The number of calls I've had to make to NFCU to even reach someone willing to investigate it. I had asked XXXX for the following to make things fair and right : - Fixing my credit report to remove the late payments due to the bank error. - Updating the over-limit amount so that it doesn't show that I was historically over the limit on the card. - Updating the card limit to be permanently {$21000.00} given the bank error. - Refunding the interest charged between XX/XX/XXXX and the time we spoke ( because the card was in dispute the entire time ) - Refunding the late fees on the card. I had told XXXX that I'd be happy with the items above, and in exchange, I'd do the following : - Continue to maintain a great relationship with NFCU - Cease and Desist any further resolution seeking opportunities ( including filing a suit ) - Move on with life and be a more responsible credit card spender. XXXX called me in or around XX/XX/XXXX and informed me of the following : - After thorough investigation, it was again determined that NFCU was actually at fault for not informing me of a temporary line increase. - NFCU would report my high balance as {$15000.00} - Terms have changed within NFCU since the incident - NFCU no longer temporarily raises credit limits for payments that are made and processing. I had asked XXXX if they'd meet the other requests, she said they wouldn't. She mentioned she understands if I want to move forward with additional options as she didn't agree with the stance either. I also asked XXXX if she could send a copy of the terms and conditions of the credit card, navy federal policy, and bank policy for XX/XX/XXXX and Today - I was told this wasn't possible either. As far as I'm concerned, the bank seriously violated the terms and agreements of my card and I have legal grounds for resolving this in a court. To my understanding, if there is a breach of contract by the bank, the debt can be nullified. Rather than filing a case and moving forward for damages, I'd like to enlist in the help of the CFPB to see if Navy Federal can make things right by doing the following : - Raising my credit back limit to {$21000.00}. - Refunding all interest charged to the account between XX/XX/XXXX and the time this is approved. - Removing the late fees charged. - Removing the late payment reports to the bureaus. Throughout this ordeal, I want to remind NFCU that this behavior has caused me serious consequences including : - A higher interest rate on two separate car loans ( XXXX with NFCU to be exact ) - Numerous declined credit requests - all referring to the high balance and the 60 days late on my NFCU card. - Numerous declined limit increase requests with other banks ( same reason as above ) - A significantly higher insurance rate with XXXX ( because it's credit based in my state ) - Hundreds of hours on the phone wasted with NFCU seeking a resolution. - Emotional scarring to where I've worried about job offers being affected by my credit report. - Denial on numerous personal loan requests. - Denial on Consolidation Loan requests. If Navy Federal is able to follow through with the above requests, I'll consider this a fair alternative to having to seek additional options around the damages this breach of terms has caused. As a final note : There are hundreds of hours on record where I've spoken to NFCU. It's very easy for me to provide dates, times, and outcomes ; however, I wanted to keep this short and sweet so that we can move forward. Please reach out to me if you need copies of any calls, statements, or communications that I've recorded with NFCU.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-05-05

PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have my moms death certificate to show her debt should be removed since there is no estate and no money to pay it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-04

Bayonne, NJ

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

2018-05-04

Lake Ridge, VA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: NFCU made false threats regarding loan repayment. RE : Improper Debt Collection Practices and Civil charges against NFCU, reported XX/XX/XXXX. I just found out Today, XX/XX/XXXX, that a suit was brought against Navy Federal Credit Union regarding false threats against debt collection. I originated this signature loan in XX/XX/XXXX and fell behind when I lost employment and had, and still have, reduced income. I am now considered " low income '' - my monthly income is about {$950.00} at this time. NFCU froze all my electronic access to my online and other accounts. I am still making a monthly payment. I am in process to renegotiate a settlement amount if possible. I was never offered, never received a letter, that says I am " eligible for redressable payment '' or was never offered a payment regarding this lawsuit. Am I eligible to receive the {$1000.00} payment? NFCU never offered me any type of payment, even though I have been " harmed '' by their false threats between XX/XX/XXXX and XX/XX/XXXX and they still to this day have frozen my account access. Am I included in the affected members in this civil action?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-04

Kawaihae, HI

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: XX/XX/2014 I received an unsecured loan from Navy federal. I was currently XXXX XXXX XXXX at the time. Due to the XXXX interfering with my pay ( i.e collecting money that wasnt owed, missing paychecks ) I had trouble paying the loan off. It became a charge off but it is definitely PAID off now.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-05-04

Kawaihae, HI

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: XX/XX/2014 I received a line of credit from Navy federal. I was currently XXXX XXXX XXXX at the time. Due to the XXXX interfering with my pay ( i.e collecting money that wasnt owed, missing paychecks ) I had trouble paying it. It became a charge off but it is definitely PAID off now.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-05-04

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

2018-05-04

Juniper Hills, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: In XX/XX/XXXX I had a XXXX XXXX and had XXXX XXXX in 7 months and was not able to work. During this time, I was not receiving my paycheck due to my employer not properly completing my paperwork. I had worked with Navy Federal Credit Union and XXXX XXXX XXXX in XXXX, CA and they agreed to purchase the XXXX XXXX that I had in XX/XX/XXXX. I was advised that this was an easier way to get rid of the car without a repossession on my credit report due to the fact I have a security clearance with the US government. Once XXXX XXXX obtained the title of the car, I signed the papers that I needed to and left. Flash forward to XX/XX/XXXX. I start to receive notices in the mail that I have a car payment coming due in XX/XX/XXXX, for a car that I have not had for almost 3 years. I call Navy federal and they advise that they had applied the payment that was received from XXXX to my loan? Which was wrong, and I tell them that I don't have the car and that I am not paying a balance. I have made numerous phone calls and attempts to try to settle this car loan balance and status. All to which, Navy federal agrees that they have messed up the paper work and gave a car to a dealership to include title but the loan wasn't fulfilled! But now all the sudden I am being held responsible for their mistake. I have even tried to offer a settlement to get this off my credit report. I just refinanced my house with XXXX XXXX XXXX we called the settlement and collections department. They talked to us on the phone and we offered them an amount ( XXXX ), to which was denied! I called back to the same person, who said that the next amount they would accept was XXXX XXXX and the next time I called it was XXXX. I was like what happened to the other amount. When I spoke to them on XX/XX/XXXX for the last time, I was now given another story and run around saying that I am no longer allowed to talk to collections and settlements. I must talk to consumer loans to fix this. And that since my loan is current, there is nothing that they or a supervisor can do for me. I am agitated that this is their mistake, that they have even told me via numerous phone calls. I don't feel that after this long of a time period it should be something that all of the sudden lets try to make her pay a ton of money for it! I will never use them again for anything! I have had the worse experience, very frustrating phone calls, hours and hours long try to resolve an issue that isn't even mine!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-03

San Diego, CA

Incorrect information on your report

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

Account status incorrect
Complaint: Navy Federal Credit Union continuous to report account to XXXX with wrong account numbers also account was included in BK still showing balance owed and past dues.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response