NAVY FEDERAL CREDIT UNION

2018-02-18

OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: Navy Federal credit union has had my account Frozen since XX/XX/2017. I have tried to resolve the issue with them directly but I have gotten nowhere with them. I am so frustrated. It has taken this long and NFCU will not resolve the matter and they give me no answers.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-18

Erie, PA

Trouble during payment process

Mortgage: VA mortgage

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

Timely Response

2018-02-17

Ladson, SC

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Problem with paying off the loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-16

Bethesda, MD

Fees or interest

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

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

Timely Response

2018-02-16

MD

Incorrect information on your report

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

Account status incorrect
Complaint: I filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. The same applies to the NAVY Credit card and the XXXX credit card has been paid in-full by me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-16

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

2018-02-16

Newnan, GA

Incorrect information on your report

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

Account status incorrect
Complaint: After speaking to credit bureaus I was told Navy Federal Credit Union report my payment of XX/XX/XXXX, for the month of XX/XX/XXXX late after speaking to a Navy Federal rep. She assured me that Navy Federal will correct the two lates and it have yet to be done.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-16

Gainesville, VA

Other features, terms, or problems

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

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

Timely Response

2018-02-15

Other features, terms, or problems

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

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

Timely Response

2018-02-15

San Diego, CA

Fees or interest

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

Problem with fees
Complaint: To whom it may concern, I was about to commit fraud without knowing I got a job as a XXXX XXXX with a company that posed as a legitimate company. I was responsible for the payments and was using my bank account as a holding of the money, I was responsible for receiving money, for the costumers to ability to pay for our companies services. i deposited a check to my account and was told that this was a fraudulent case and was handed a paper giving me information about my case and prior cases to my to familiarize my scenario.I called the company that was suppose to have this XXXX and was told that they had no idea this was going on, The Bank fee is at {$140.00}. Thank you, and I hope this fee is waived.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-15

San Jacinto, CA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: Began disputing these accounts as in violation of the provisions of the FCRA and the FDCPA in XX/XX/2017. Navy Federal Credit Union ( Settled Account ( s ) ) XXXX XXXX XXXX ( Settled Account ( s ) )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-15

Myrtle Beach, SC

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

2018-02-14

Jacksonville, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I used my overdraft feature on my checking account last summer ( XX/XX/2017 ). I lost my job and was never able to bring my balance to current. The account was subsequently closed. I do still have an active savings account. I would like to know what do I need to do to clear the outstanding balance on my checking account and also how much is actually owed on that account. Any assistance would be great. I have had this savings account for almost 27 years and would like to clear any debts owed to restart my checking account. i
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-14

San Antonio, TX

Closing your account

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

Company closed your account
Complaint: My Identity was stolen recently and all my accounts and everything was frozen. I was unable to make any payments or do anything at the moment so I notified Navy Fcu what was going on and they stated they could not help there was nothing they can do that they would be reporting me late to the credit bureaus. They have been unwilling to help me with anything
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-14

Cheverly, MD

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: Navy Federal Credit Union is monitoring my credit in a fraudulent manner. On XX/XX/XXXX I received an alert of a new tradeline open and reported which is part of the 78 point reduction that has nothing to do with inquiry made on XX/XX/XXXX. XXXX systems is built against the consumer not for the consumer to prevent fraud by those that work within financial institutions doing business in Maryland. XXXX rejects any rebuttals and/or reinvestigation of erroneous remarks and updates on any old account with error. Navy Federal Credit Union neglected to investigate fraud claim I submitted over 6 years ago pertaining to a fraudulent deposit into my checking account. There has been no new accounts opened under my social security number with XXXX XXXX at any time within the last 3 years.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-14

Chestnut, NJ

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

2018-02-14

Finley, WA

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-13

Barretville, TN

Getting a credit card

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

Card opened as result of identity theft or fraud
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-02-13

Glenn Dale, MD

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

2018-02-13

Lk Buena Vis, FL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/2018 I used an ATM what is apparently a non-coop ATM. The ATM charged a {$3.00} fee. I accepted the Fee as the Navy Federal bank account I have states I have ATM fee reimbursement up to {$10.00} per month. However, later that day I noticed an additional fee from Navy Federal which prompted me to call and ask about the fees. At that time I was told only the fee from Navy Federal would be refunded and not the fee from the ATM. I feel this is a violation of UDAAP as the Navy Federal advert does not make a distinction between Navy Federal ATM fees and other ATM fees. Also, the Navy Federal fee sheet only states that " The owner of a non-Navy Federal ATM may charge a fee. '' The fact that none of the information provided states that fees from non-Navy Federal ATMs will not be refunded is deceptive. I contacted Navy Federal about this issue and they referred me to the fee sheet attached, which still does not differentiate between Navy Federal ATM fees and other bank ATM Fees.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-12

Annapolis, MD

Problem with additional add-on products or services

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

2018-02-12

Charlotte, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-12

Bronx, NY

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

2018-02-12

Chantilly, VA

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

2018-02-12

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