NAVY FEDERAL CREDIT UNION

2018-05-03

Navasota, TX

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Complaint: On or about XX/XX/XXXX, My concern is Loan & card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan and card credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The rate increased and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan and Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-03

Albuquerque, NM

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

2018-05-02

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

2018-05-02

Norfolk, VA

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 non-monetary relief

Timely Response

2018-05-02

Savannah, GA

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-05-02

Carson, MS

Struggling to pay mortgage

Mortgage: VA mortgage

Complaint: ( 1 ) Filed for Modification for Mortgage Loan with Navy Federal Credit Union on XX/XX/XXXX ; ( 2 ) Contacted Navy Federal Credit Union about Modification. Faxed additional documents ; ( 3 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status. No Response. ( 4 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status and requested written response. No Response. ( 5 ) Telephoned Navy Federal Credit Union and was advised that a Representative would contact me regarding Modification. No Contact. ( 6 ) Faxed letter on XX/XX/XXXX to Navy Federal Credit Union regarding Modification Package. No Response.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-02

Duluth, GA

Getting a loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2018-05-02

Atlanta, GA

Took or threatened to take negative or legal action

Debt collection: Auto debt

Seized or attempted to seize your property
Complaint: I admitted to debt for value received, then presented offer to settle or cure any debt with Navy Federal Credit Union by providing a legally binding Promissory Note with Orders via notary presentment to discharge any debt. I also demanded proof that Navy Federal Credit Union ( or any of its affiliated agents, parent companies, proxies, etc. ) actually suffered a loss ( Full copy of the actual accounting ), that Navy Federal Credit Union provide proof that they had filed my action with the Internal Revenue Service, and provide me with a cash recoupment receipt as an offset in accounting for my records to include lien free title to property. Over the past two months I have been harassed by repeated phone calls and letters attempting to get me to enter into a Adhesion Contract. A tow truck came to repossess the vehicle. Affidavit of Facts I, purchased a vehicle from a XXXX dealer on XX/XX/XXXX - Representatives of NAVY FEDERAL CREDIT UNION provide loan to purchase the car in the amount of XXXX XXXX on XX/XX/XXXX and I contacted same to obtain a signed copy of the original contract and other related documents on XX/XX/XXXX which were not sent. XX/XX/XXXX, I requested a fully certified disclosure of contract containing my original wet ink signature and sign by a living person representing their organization. XX/XX/XXXX I received by regular mail from XXXX d/b/a Manager, Consumer Loan Processing of NAVY FEDERAL CREDIT UNION a letter requesting my signature on a updated Corrected/Duplicate contract. XX/XX/XXXX, I sent XXXX. d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION the letter and contract back with a letter stating the unsigned contract was unacceptable ( Non Acceptance of a Bi-lateral contact ), rescinding of my signature on all loan documents including previous loan and another request for full disclosure of loan contract. XX/XX/XXXX, I sent XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION a letter of instruction and, according to HJR 192, provided legal tender to discharge debt ( Exhibit F ) On XX/XX/XXXX, the notary, sent a letter, certified mail to XXXX XXXX XXXX. d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION the initial Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. XX/XX/XXXX, the notary, sent a letter, certified mail to XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION a second presentment of Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. XX/XX/XXXX, the notary, sent by certified mail to XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION a third presentment Declaration by Affidavit to state his non-response to any previous letters or notices. XX/XX/XXXX a tow truck attempted to take the vehicle from my premises without any contact from XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION in an attempt to make a adhesion contract later that day. XX/XX/XXXX Collection Department d/b/a NAVY FEDERAL CREDIT UNION sent a letter stating NAVY FEDERAL for the above referenced account has been terminated due to non-compliance with agreed upon terms. All payments received have been applied to the existing balance but collection activities on this account will continue until you re-establish arrangements to resolve your account XX/XX/XXXX XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION was sent a No Contact Contract reiterating the note, requests and letters previously sent. XX/XX/XXXX I filed a Civil Action against XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-02

Whittier, CA

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

2018-05-02

Scottsdale, AZ

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: On XX/XX/XXXX I contacted Navy Federal Credit Union to file a dispute on a transaction that was preauthorized on XX/XX/XXXX and cleared my account on XX/XX/XXXX in the amount of {$1500.00} to XXXX XXXX XXXX. On XX/XX/XXXX my claim was denied and was advised a letter would be sent out within 3 business days of decision. I contacted Navy Federal on XX/XX/XXXX and spoke with XXXX who I requested to speak with a Supervisor regarding the decision. I spoke with XXXX who stated that she was the supervisor. I inquired about the decision that was made and requested documentation of investigation outcome. I was advised that Navy Federal DOES NOT provide this information to their customers. After reviewing the User Agreement 606 it states that I may ask for copies of documents used in the investigation process. The resolve XXXX stated was that she would submit an appeal of the case and that I would have to provide additional documents to support the claim which I am in the process of doing. I reached out a second time and requested the fraud department and spoke with XXXX who advised me that typically they have to have all documents as per the XXXX agreement they have. I probed for additional information regarding documentation and XXXX advised that he does not have access to that information and that he would forward my request. I think spoke with XXXX who is a Supervisor in the Contact Center who advised me that because I am the owner of the vehicle that I would not be able to dispute the claim. In my original claim I advised that I had not received any documentation from the dealer to legally register my vehicle in the state of AZ which would require a title and registration. XXXX stated that since the vehicle was not purchased in full that it was not the responsibility of the party to provide title. I attempted to explain again that I have recently moved to another state and in order to legally drive a vehicle with said lien against that I would need the proper documents to register vehicle and drive legally. I also advised that XXXX XXXX XXXX stated that they were picking up the vehicle since the contract was not executed correctly. XXXX ignored all requests to provide any additional documentation during the dispute process and advised me that " If I continue talking to her like an XXXX that they will be unwilling to assist me in this process ''. After these comments were made I requested to speak with a Supervisor in the Fraud/Dispute department. I was then transferred to XXXX who stated that he was the Supervisor in the Resolution Department. XXXX was unhelpful in explaining why I was unable to receive documents that were requested although it is outlined in their User Agreement. XXXX implied that I'm complaining because I'm not getting what I want and refused to transfer me to the correct department that handles request and disconnected the call. I have advised Navy Federal Credit Union that I would provide documentation to support my claim as the response I received from them just states that " A dealership is not obligated to provide title unless paid in full '' and if contract is canceled that I would have to provide documentation outlined in said contract to process accordingly. At this point I believe that I have been discriminated against due to the status of my checking account currently. My checking account is in the negative and as of XX/XX/XXXX I received a call from the Collections department regarding my checking account. The dispute process states that it can take up to 45/90 days to resolve however my case was denied in less than two business days and I have not been provided the proper documentation regarding the investigation process. I attempted to reach out to XXXX directly which then transferred me right back to Navy Federal Credit Union. I have been a member since XX/XX/XXXX and have not had any issues with merchants with exception of one that inevitably was resolved in my favor.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-02

Beach Park, IL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-05-02

Oceanside, CA

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

2018-05-02

Raleigh, NC

Applying for a mortgage or refinancing an existing mortgage

Mortgage: VA mortgage

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

Timely Response

2018-05-01

Kennesaw, GA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-05-01

Stockbridge, GA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-01

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Auto 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

2018-05-01

Charlotte, NC

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-05-01

Chicago Heights, IL

Attempts to collect debt not owed

Debt collection: Credit card 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

2018-05-01

Henderson, NV

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 monetary relief

Timely Response

2018-04-30

San Antonio, TX

Took or threatened to take negative or legal action

Debt collection: Auto debt

Seized or attempted to seize your property
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-30

Managing the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2018-04-30

Johns Creek, 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

2018-04-30

Killeen, TX

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

2018-04-30

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

2018-04-30

Carson City, NV

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