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 83
2018-03-01
Avondale, MD
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: Navy Federal Why don't you want to work this matter out? I have paid you the entire collections amount and them some. All I want is an understanding of what type of interest you are charging me. I totally get the 12 % annum but I need the break down because this debt balance is way to high. What is the daily interest compared to the yearly and if its the same please provide break down and a copy of the NFCU policy on adding interest? Please provide policy on how defaulted interest is applied when payments are less than original agreed upon payments. Please provide policy on when an account is charged off why don't NFCU send monthly invoices when you still have the defaulted account on your records. Your Attorney is very unreasonable and they don't respond to my questions when asked and in the past neither have you for what ever reason. I want to get pass this once and for all.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-28
Fort Worth, TX
Opening an account
Checking or savings account: Other banking product or service
Unable to open an account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-28
Ontario, CA
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-28
Duette, FL
Closing an account
Checking or savings account: Savings account
Funds not received from closed account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-28
Adams, TN
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
2018-02-28
Tacoma, WA
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
2018-02-28
El Paso, TX
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-27
IL
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: On Monday XX/XX/XXXX, I received an email from Navy Federal Credit Union, stating that a new member to member transfer account had been established. I immediately called the credit union and the first person I spoke to asked if I had just applied for a loan. I said no and she said she was transferring me to the fraud department. The next person I spoke with told me that my {$1500.00} from my checking had been transferred to this new account, and unfortunately once the money was transferred to the account, it was immediately transferred out so they couldn't get it back. I pay most of my credit cards through bill pay and also ACH transfers. NFCU closed my accounts and reopened them. they also told me I was not liable. They told me they would give me a letter to send to my creditors explaining that my accounts were compromised. As of today, I still have no letter for my creditors, I have had several credit cards that had their limits drastically cut, because of my payments being returned ( because accounts were closed ). All of my money is gone!!! NFCU says I will get it back after they resolve the fraud complaint. I want a letter for my creditors now!!!! I am racking up late charges and also returned payment fees, because NFCU closed my account and the bill pay service sent me letters saying I need to bring my account current. I called NFCU on XX/XX/XXXX again to ask about getting a letter or to have them fax a letter to my creditors and was told because not all of the creditors were paid through billpay, that they wouldn't be able to help with those and that they wouldn't reimburse fees. My credit standing is dropping, all because NFCU can not, or will not give me a simple letter to give to my creditors stating what happened to my accounts and that I am not just late on my payments!!!!! I AM A VICTOM OF FRAUD!!! and NFCU is not helping me ... .because if them, I have no proof to give to my creditors ... thtey have to take my word for it ... .and in this day and age, we all know they just figure I am some deadbeat who can't pay their bills, and giving them a story!!!! All I want other then my money back is to get a generic letter to give to my creditors letting them know I was a victim of theft, that my accounts were compromise, NFCU closed them and reopened them, bills were scheduled to be paid through bill pay and ACH, and they were all returned, because of this!!!!! And ask the creditors to forgo fees and charges pertaining to this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2018-02-27
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
2018-02-27
Sarasota, FL
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 was interested in getting a cashRewards credit card from Navy Federal Credit Union ( of which I am a member ). Periodically Navy Federal will offer a sign-up bonus for this card and I was waiting for an offer to come up, checking their website every day since the end of XX/XX/XXXX. When I checked the cashRewards web page on XX/XX/XXXX, a new message was displayed that read : Spend {$500.00}. Get {$100.00}. This was written in large print at the top of the cashRewards web page and was not an ad for something else. I decided that this was what I had been waiting for and applied for the card. I was approved, got the card a week later, and spent {$500.00}. Then I sent a message to Navy Federal through my account on their website asking if I had qualified for the bonus. They responded a few days later : We did not have a promotion that provided {$100.00} when {$500.00} is spent. This is not true. The website displayed exactly what I said it displayed : Spend {$500.00}. Get {$100.00}. It was for the cashRewards card. It was printed in large print below the main picture at the top of the page. The page displayed the offer for that weekend ( XX/XX/XXXX-XX/XX/XXXX ), then it no longer showed the offer anymore. But it was there for those days.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-27
CA
Managing an account
Checking or savings account: Savings account
Funds not handled or disbursed as instructed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-27
Lawrenceville, 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
2018-02-26
Choctaw Beach, FL
Trouble during payment process
Mortgage: VA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-26
Juniper Hills, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: This complaint is against Navy Federal Credit Union ( NFCU ) mortgage department. NFCU has violated the Fair Lending Act. On XX/XX/, I qualified and locked for a 15 year fixed refinance mortgage loan using the NFCU online loan application process. Starting on XX/XX/XXXX, I tried many times to contact my assigned loan officer. On XX/XX/XXXX, NFCUs loan officer finally contacts me back to inform me that there was a computer glitch in the NFCUs software, and my interest rates are higher because the loan is a cash-out refinance loan.
NFCU will not honor my locked rate. The locked mortgage loan details that NFCU will not honor : Confirmation # : XXXX Date : XX/XX/ Loan type : Refinance 15 year biweekly ( Primary residence ) XXXX XXXX XXXX mortgage pay-off : {$250000.00} Loan Amount : {$340000.00} Interest Rage and Points : *Rate 3.625 %, Points 1.625 % Origination Fee : 1.0 % Term : 15 years Rate Status : Locked Rate Locked for : 45 days Extended Lock Points : 0.0 *This is the final interest rate based on my credit history and loan to value Im not responsible for the NFCU software glitch. With the NFCU loan application, I provided the payoff amount for my existing XXXX XXXX XXXX mortgage of {$250000.00}. My locked NFCU loan amount is {$340000.00}. By default, when the new loan amount is more than the balance on the existing mortgage, this is a cash-out. By definition, this is a cash-out for everyone, except in my case. Hence, NFCUs excuse of a computer glitch to bump up my rates is in direct violation of the Fair Lending Act.
I have simplified the many issues with the lack of customer service, and I have not discussed the major issue with the NFCUs online software automating the mortgage loan application. I provided proof to NFCU that I unsuccessfully attempted to apply for the mortgage loan on XX/XX/. With my proof, NFCU agreed I had sufficient evidence to qualify for the XX/XX/XXXX rates. The rates listed in this complaint is for my locked XX/XX/ locked terms.
The NFCU software problem is with their software timeout that does not alert the user. NFCU admitted they know about the issue, and the only reliable internet browser is the XXXX XXXX XXXX ( XXXX ). The recommended XXXX browser is no where on the application site. I was using an XXXX XXXX with latest operating system and the latest XXXX and XXXX browsers. XXXX is not available for the XXXX. Not providing reliable service to XXXX users is also discrimination since XXXX is not available on the XXXX.
From XX/XX/XXXX to XX/XX/XXXX, I sent many emails and left many voicemails to my assigned NFCU loan officer without a single return email or phone call. I finally was able to navigate through the NFCU call centers to find a loan manager. Turns out, NFCU had assigned me a loan officer that had already resigned.
I need NFCU to honor my locked rates, and start the lock date for 45 days on the day NFCU finally agrees to honor my locked rate and loan terms. Due to major issues and the many hours of wasted time on my part, Im also requesting 0 % closing costs. This is time critical because it is now XX/XX/2018, where I now have only less than 30 days left to close, and XXXX is not responsive.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-26
Southaven, MS
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
2018-02-26
Silver Spring, MD
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
2018-02-26
Problem with a lender or other company charging your account
Checking or savings account: Savings account
Transaction was not authorized
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-25
Juniper Hills, CA
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
2018-02-25
Fayetteville, NC
Closing on a mortgage
Mortgage: VA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-25
Juniper Hills, CA
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
2018-02-25
Juniper Hills, CA
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
2018-02-25
Juniper Hills, CA
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
2018-02-25
Juniper Hills, CA
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
2018-02-25
Juniper Hills, CA
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
2018-02-25
Juniper Hills, CA
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