NAVY FEDERAL CREDIT UNION
Consumer Complaints
There are over 5340 complaints on file for NAVY FEDERAL CREDIT UNION. Dated between 2019-12-16 and 2011-12-05.
Complaints Page 79
2018-03-30
Bayview, GA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-30
Prince George, VA
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
2018-03-30
Virginia Bch, VA
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
2018-03-30
Albuquerque, NM
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: On or around XX/XX/2017 I attempted to make a payment on my credit card with Navy Federal credit union. I recently switched banks from Navy federal to XXXX XXXX in mid XX/XX/XXXX. When attempting to make a payment i was only aware of one XXXX XXXX account linked to my Navy federal account, which was the account I used to make a payment on my Navy federal credit card. The problem is, is that Navy federal attempted to make that payment with a closed account that was linked to my Navy federal account from nine years ago. I was never Notified via Email which is what XXXX XXXX the business operations specialist is claiming their form of communication had been done through, however after speaking with a representative at the branch they stated my email notification was turned off and was not able to send an email. I also never received notification through my online banking which is another form of communication aside from email. It was not until mid XX/XX/XXXX that I got notification and that was not from Navy Federal that was from XXXX XXXX showing that I had a late payment after my credit score dropped 65 points due to them reporting a late payment. I have tried to make this right and get down to the bottom of this misunderstanding with Navy Federal but they are not willing to fix this. I was told they were sending me a letter explaining why they could not fix this and still after 12 business days have yet to receive any form of communication regarding this matter with Navy Federal other then their initial response stating they sent an email notification when this first took place.This is my second complaint I have filed with CFPB regarding this matter. Navy Federal has taken no responsibility and refuses to make this right. Complaint Number from First complaint XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-30
Garrison, MD
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
2018-03-29
Atlanta, GA
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: Back in XX/XX/XXXX XXXX XXXX XXXX put through two fraudulent Auto loans in my name. One through Navy Federal Credit Union ( approx. {$38000.00} ) and one through XXXX ( approx. {$50000.00} ). I informed both companies that I did not I did not consent to these loans. I have fought this since XX/XX/XXXX and in 2016 Both owners of XXXX XXXX XXXX were convicted of fraud and forgery amongst other charges. Finally in XX/XX/XXXXXXXX has evaluated ALL of the evidence from me and from the Delaware Department Of Justice and agreed to remove the fraudulent XXXX loan but Navy Federal will not properly Investigate this. I have attached the letter from Delaware Department of Justice that was sent to XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-29
Hayward, CA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-29
Nas N Island, CA
Problem with additional add-on products or services
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: I am active duty XXXX and while in boot camp was given forms to fill out for a checking, savings, and certificate of deposit ( easy-start certificate ) from Navy Federal Credit Union. I was not aware until after that I also signed to apply for a XXXX XXXX credit card and an XXXX XXXX Checking Line of Credit ( XXXXCLOC ). On this pay cycle, I made my transfers on my online banking, knowing I was getting paid that night. Per my meeting with a financial counselor, when my transfers posted, the Navy Fed systems didn't think I had enough money so it moved funds from my XXXXCLOC to checking, and then put my paycheck to full pay the XXXXCLOC, with the extra funds going to my checking. The problem is that I never knew I had the XXXXCLOC until this happened, and I don't want my entire paychecks going to pay something I didn't want to begin with.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-29
Montgomery, AL
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 monetary relief
2018-03-28
Houston, TX
Managing an account
Checking or savings account: Other banking product or service
Banking errors
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-28
Arbutus, MD
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-28
Edenton, NC
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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-28
Cleveland, OH
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-27
Live Oak, TX
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
Complaint: XX/XX/2016 I missed a payments. I had moved due to job relocation out of state. I contacted XXXX XXXX XXXX XX/XX/XXXX and has yet to receive an email conformation back in regards to my situation. I have been a loyal customer for 9 years and never had any issues with Navy Fed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-27
Newnan, GA
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: NFCU ( Navy Federal Credit Union ) requested eligibility information after my account had been opened for 3 months. When I attempted to give them the requested info, it was unacceptable. I was told that my accounts would be closed, however they were not but my credit card was blocked so that I could not use it even though it was not delinquent. I requested for a dispute to be filed 7 times, my request were ignored. I attempted to make a payment on my credit card in XXXX that was accepted initially and then returned because Navy Federal processed my payment through a closed bank account that should have been deleted from their system. I attempted another payment on my account that was processed as a check even though it should have been processed as an ACH transaction. Even though I was told my accounts was going to be closed because my eligibility, they did not close my accounts but when I requested for my account to be closed I was told that it would not be closed until the credit card was paid off. I have been in constant contact with NFCU to resolve this issue and the only thing they are interested in Is payments on the card. NOTHING ELSE! .My credit is destroyed because of this and they don't care. I really feel that I've been profiled and discriminated against. Beware, this could be you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-27
Cheverly, MD
Credit monitoring or identity theft protection services
Credit card or prepaid card: General-purpose credit card or charge card
Billing dispute for services
Complaint: In XXXX of 2016, I opened up a credit card account with Navy Federal Credit Union, a limit of XXXX. As of XXXX, i called them informing them that my card had been missing and i needed it frozen in order to protect my account. I also moved in that from the location that i was previously living. I was unable to get any bank statements or payment stubs from Navy Federal Credit. Because of this I am in turmoil. My credit has drastically dropped because of this. I feel as though it isnt fair that i am being punished for a report i was unaware of. Especially if i wasnt in the given location where my bill was being sent to.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-26
Washington, DC
Closing on a mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-26
Newnan, GA
Incorrect information on your report
Vehicle loan or lease: Loan
Account status incorrect
Complaint: My Credit report is stating that I have 2 vehicle auto loans when I only have one auto loan for XXXX per month with a 2012 XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2018-03-26
Shulerville, SC
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: In XX/XX/XXXX, we contacted Navy Federal Credit Union to apply for a VA Mortgage Loan. The loan application was taken over the telephone with my husband, XXXX and myself on a speaker phone with the Navy Federal Credit Union employee. Everything went well. He said everything looked good, we should have an answer in 48 - 72 hours. We never heard anything. Four days went by, I called to find out who our loan officer was and get a phone number for our contact. I tried calling several times and there was no answer. No voicemail. Finally, she answered her phone and before I could say anything, she said " I can't talk right now, I am out of the office, I will call you later. '' and she hung up. She called the next day and stated that she could not read any of the documents that we had scanned and emailed. We would have to take them to a branch and have them scanned in. It would be 48-72 hours before she would be back in touch with us. I took the documents to the branch and had them scanned in and emailed to her. She called us the next evening and wanted to know who the veteran was. ( We had included a copy of the XXXX and XXXX from XXXX ). It was apparent that she had not looked over the file at all. We requested her supervisor call us. Several days passed and I called and requested that her supervisor call us. I sent several emails, requesting her supervisor call us. I finally called the mortgage division and demanded a new loan officer. We were then notified the home we had been interested in had received a number of offers and they had accepted one and had a back up. At this point we still had no answer on our loan approval. Three days later we received our letter of approval. We review our credit regularly and noted that Navy Federal Credit Union had two " hard '' inquires on our credit. These stay on our credit for two years and can deminish your credit. I contacted Navy Federal Credit Union and requested they correct the multiple credit inquires. The loan officer said it was because I was listed as the veteran initially. I told her that was not our problem since they had a copy of the XXXX, the XXXX from XXXX and at any time that could have been cleared up with communication. The supervisor, XXXX, refused to talked to me because my voice is " harsh '' and hurts her ears. Through the loan officers, I have been told XXXX has submitted this three times to be corrected since the first of XX/XX/XXXX. It is now XX/XX/XXXX and there is no correction reflected. I have spent hours on the phone with Navy Federal Credit Union. I have experienced exceptional service from every department EXCEPT the mortgage department. We have had two other mortgages with Navy Federal Credit Union and have never experienced such poor service. The behavior and lack of professionalism is shameful and certainly not what members of NFCU have come to expect or deserve. Hopefully, someone in the corporate offices will take note.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-25
Jupiter, FL
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: On XX/XX/XXXX via the credit unions website I applied and received and acknowledgment as to receipt of my application for checking & savings account. a few minutes later I received a notification that my account services had been opened. I would receive my welcome package in 7-10 days. I was also told that my debit visa card was unable to be processed for the initial deposit. I reached out to my other bank and there was sufficient funds and not issue with the card itself. I called navy f.c.u. to have the card processed again to be told that my account was now under review without any further explanation. On XX/XX/XXXX I called to follow up regarding the status of my account and after 20-30 minutes of being told let me check the status of your application, to let me speak to the review department, to let me speak with the back office, team membership specialist : XXXX XXXX I was now being told that I had to submit via fax a copy of my government issued identification along with a current bill showing the mailing address. A financial institution that isn't honest a forthcoming with the truth as to why they are selectively discriminating against the opening of my account. What algorithm of database are they using which probably contains false, erroneous information to justify discriminating against individuals. I asked the customer service rep. I spoke to that I wanted there request be sent to me in writing and they said they would not do that which makes me SUSPICIOUS of the tactics of NAVY FEDERAL CREDIT UNION!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-25
PA
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: Also I wanted to supply all information they have been given numerous times about my checking being used fraudulently. If this would have been taken care of like they say. They fight for you on identity theft accounts. I feel their lack of help and making bill pays on a closed account shows how much they don't care. It is being cleared up with every fraudulant account accept navy federal.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-25
Columbia, SC
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: On XX/XX/2018, Navy Federal Credit Union pulled my Credit without my knowledge of it going against my credit as an affect against my score. I didnt know opening a account would affect my credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-25
PA
Problem caused by your funds being low
Checking or savings account: Checking account
Bounced checks or returned payments
Complaint: I notified Navy federal in earlyXX/XX/XXXXthat I was a victim of Identity theft. First starting with my sister filing taxes under my name and social to get a refund. I had an ftc and police report done then. I next was a victim of 2 data breaches one inXX/XX/XXXX and the XXXX breach in XXXX. When I notified them immediately that there was a problem with my account, they started an investigation, and sent me a letter telling me my card was closed and what I needed to provide. Which I did and this was about 2 years ago. They still didn't fix my account. The second time I marked every transaction that wasn't mine, for their review still nothing.. I stayed on top of this. I spoke to many people from customer service to fraud. I was not paying a balance I didn't owe. My account was closed in XX/XX/XXXX. But they still kept paying ebills, and charging more fees, When an account is closed nothing more should be happening with it. They made that mistake. They need to bring the account current, get it out of collections. and take it off of my credit report. It was due to the fraud the account was out of control and they wouldn't do anything to stop it, except make it worse. I am attaching all cases and their results. Every answer they have provided has not even sounded like they have tried to do anything, I will take this to the attorney general a second time. and the ftc again, they just allow Navy Federal to get away with this and it isn't fair, When it says they take this kind of thing seriously, I have no idea who they mean, because they are even willing to take money from their own soldiers which the CFPB did get them for. So it is obvious they don't care about their customers, just putting is in dept and leaving us there.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-23
Chandler, AZ
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
2018-03-23
Houston, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I HAD A CREDIT CARD THAT I USED WITH NAVY FEDERAL CREDIT UNION. ALWAYS PAID ON TIME UNTIL I LOST MY JOB AND HAD TO HOLD OFF ON PAYING SOME BILLS IN ORDER TO SUPPORT MY FAMILY. THIS CREDIT CARD BEING ONE OF THEM. ONCE I GOT A JOB AND STARTED PAYING BILLS AGAIN AND GOT BACK TO THIS ACCOUNT, I CALLED IN TO NAVY FEDERAL CREDIT UNION TO PAY OFF THE REMAINING BALANCE ON THE CARD WHICH AT THAT POINT WAS 30+ DAYS LATE. SO THEY TOOK MY NEW BANK ACCOUNT INFORMATION TO PROCESS PAYMENT AND PROVIDED ME WITH AN EMAIL CONTAINING CONFIRMATION OF PAYMENT AND NEW REMAINING BALANCE OF {$0.00}. ALL THAT WAS DONE ON THURSDAY XX/XX/XXXX. A FEW DAYS LATER THEY STILL REPORTED THE PAYMENT NOW 60 DAYS LATE. I CONTACTED THEM AND SAID THAT THEY RECEIVED THE PAYMENT INFORMATION FROM ME ON THAT THURSDAY XX/XX/XXXX BUT THAT DUE TO THE PROCESSING TIMES THEY HAVE AND WEEKEND AHEAD THAT THEY DID NOT RECEIVE THE FUNDS UNTIL THE FOLLOWING TUESDAY THATS THE REASON WHY IT STILL SHOWED LATE. I DID SPEAK WITH A REPRESENTATIVE AND SAID THAT THEY WILL APPROVE TO REMOVE THAT LATE PAYMENT NOTICE BUT THAT IT WILL TAKE ME CALLING THE BUREAUS AND HAVE THEM CONTACT NAVY FEDERAL DIRECTLY. TODAY IS FRIDAY XX/XX/XXXX AND STILL NOTHING HAS BEEN RESOLVED.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation