NAVY FEDERAL CREDIT UNION

2018-02-06

Dallas, TX

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

2018-02-05

Ault Field, WA

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

2018-02-05

Brooklyn, NY

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

2018-02-05

Milton, FL

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

2018-02-02

Warrenton, VA

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

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: In XX/XX/XXXX, NFCU increased our equity loan payments from $XXXX/month to over $3000/month so we attempted twice to work with NFCU's mortgage mitigation division to refinance. Both attempts were unsuccessful because they kept falsely increasing our income by including travel reimbursements for work within our income. We continued making on-time payments to our first mortgage with XXXX during this process.In XX/XX/XXXX, NFCU began foreclosure proceedings so we hired an attorney but were unsuccessful in any negotiations. NFCU has admitted in writing that the HELOC #XXXX was "charged to our reserves on XX/XX/XXXX". NFCU also admits that they executed a foreclosure on XX/XX/XXXX followed by a XXXX payoff on XX/XX/XXXX. We have already received IRS XXXX notices pertaining to this transaction.According to VA Code Ann. § 8.01-228 et seq., the Virginia statute of limitations is five years. Along with the fact that NFCU already exercised a foreclosure by paying off our first mortgage and failing to work with us to refinance, we're requesting that this charge-off loan be removed from our credit report. Thank you kindly,XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-02

LA

Incorrect information on your report

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

Information belongs to someone else
Complaint: My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. Navy Federal CR UN was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account, my business checking account, an auto loan was taken out, and my credit card was compromised. I reached out to Navy Federal several times about my business account in which Navy Federal charged my business account over {$750.00} in fees due to the account being hit with multiple ACH attempts. The car loan and credit card are still present on my credit reports to date. I was told by Navy Federal to file a police report and send it to them to get these accounts removed from my credit reports. They have yet to respond and it has been over 3 weeks.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-01

Mckeesport, PA

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

2018-02-01

Mckeesport, PA

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

2018-02-01

Mckeesport, PA

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-01

Mckeesport, PA

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

2018-02-01

Chula Vista, CA

Written notification about debt

Debt collection: Credit card 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

Timely Response

2018-02-01

Mckeesport, PA

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

2018-02-01

Mckeesport, PA

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

2018-01-31

Brooklyn, NY

Incorrect information on your report

Vehicle loan or lease: Loan

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

Timely Response

2018-01-31

Atlanta, GA

Incorrect information on your report

Vehicle loan or lease: Loan

Information belongs to someone else
Complaint: Back in 2014 I was looking to buy a new car and I was preapproved for two loans one through Navy Federal Credit Union and one through XXXX. I was referred to XXXX XXXX XXXX in XXXX DE but they Told me that they did not carry the type of car that I was looking for but they could take me to the Auto Dealer Auction with them and I should be able to find the vehicle that I was looking for. I agreed But they said I would need to give them proof that I had the funds before they would bid on a vehicle For me. To support that I had the funds I gave XXXX XXXX XXXX both of my pre-approvals. We went To the auction a few times and then we finally found a car. To make a long story short I decided to forgo the loan and I bank wired the funds for the vehicle. After I paid for the car XXXX XXXX still processed both auto loans without my consent. I notified the XXXX DE police and they were tried and convicted of fraud, theft, identity theft and forgery ( Case number XXXX ).
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-31

Hayfield, VA

Trouble during payment process

Mortgage: FHA mortgage

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

Timely Response

2018-01-30

Providence, RI

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: Navy federal credit union. In XX/XX/XXXXmy auto loan thru navy federal was total loss. The auto was totaled and I filled and signed out all paperwork to claim as auto complete loss. I even went into a navy federal branch ans signed the title as a complete loss. I financed thru another credit union and nothing came up as a repo and was approved loan. After many years I leased an auto thru a credit union, nothing came as repo. Then in XXXX I am trying to lease another car and repo of the total loss pop up from XX/XX/XXXXand can not get approved for loan. I called navy federal and nobody seemed to care at all and talked to 7 or so people to help me but no help at all. Left 2 voicemails to have issue investigated by navy federal and no call backs at all. I called navy federal the next day and they did not have any info about my calling or anything. Finally talked to someone and they are finally taking a look at the issue. Very unprofessional of a credit union not caring about an error they made. The auto loan was closed in XXXX Of {$2200.00} and some how reopened as a repo and would like this matter taken care of due to navy federal not caring about it. Thanks so much for the help best number to reach me at is XXXX XXXX XXXX or email XXXX. Thanks XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-30

Gulfport, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-01-29

Cols, GA

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

Timely Response

2018-01-28

OH

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
Complaint: someone used my social and birth date to open a XXXX XXXX XXXX XXXX, however i am not or never have been a member of the united states XXXX or XXXX, which i later found out to be a requirement to even be approved for a XXXX card.i contacted the company several times via us mail letting them know tis was a fraud account. police reports were sent to the company along with an id affidaviat. i also requested a signed document bearing my signiture to prove i didnt open the account, XXXX XXXX failed to send any documentation with my signiture within the 30 day limit required by fcra. this account is also showing up twice on my XXXX credit report lowering my score.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-28

Sarasota, FL

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Complaint: My wallet was dumped on XXXX XXXX, Florida, and my debit card, credit cards, and ID were stolen. Fraudulent charges showed up on my debit card, which I disputed with my bank, Navy Federal Credit Union. XXXX credited my account but then denied my fraud claim and refuse to explain why. They also took the money out if my account and charge my account fees for negative balance. I am not responsible for fraud, especially since I reported it immediately after it happened. They refused to do anything with my account, my debit card, or fraudulent charges until the charges went through.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2018-01-27

Chula Vista, 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

Problem with personal statement of dispute
Complaint: On or around XX/XX/XXXX Navy Federal entered negative remarks on my credit report on a credit card debt they never validated coming from a legit loan. They never sent me anything proving the credit or loan came from their own capital or funds and risked something of value on their part. They seemed to either ignore or misunderstand the multiple validation letters sent to them since XXXX XXXX to present XX/XX/XXXX. As explained in my notice of dispute : THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-27

Val Verde, TX

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Complaint: On more than one occasion, navy Federal offset a late payment from my checking account without proper authorization. Several times, the payment has been automatically collected by their automatic collections system. To be specific, the most recent offset occurred XXXX XX/XX/2018. It is my understanding that federal regulations protect me from these sort of collection processes. Also, I was assessed a late fee on XXXX XXXX which is when my loan is due and the payment was made in full on XXXX XXXX. I am under the impression that fees are not assessed until the 10th day after the due date. I went Into their branch located in XXXX XXXX, TX and the representative was not at all helpful. She told me that if my loan was late, they could take the money from my checking account. I told her that was not right and she said that they can take the money from any of my navy federal accounts but not from external accounts. Does not sound at all accurate to me! My attempts to resolve with the company have been unsuccessful, therefore I am left with no choice but to escalate. I thought that navy Federal had corrected its collection processes but apparently not. Thank you for any assistance in resolving this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-27

TX

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: My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Navy Federal Credit Union Card Card XXXX XXXX XXXX XXXX XX/XX/XXXX Notified Navy Federal of fraud charges on my account on XX/XX/XXXX, XX/XX/XXXX. and again on XX/XX/XXXX to no avail. The fraud charges are : XX/XX/XXXX XXXX {$420.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX bill {$1.00} XX/XX/XXXX XXXX bill {$39.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX bill {$39.00} XX/XX/XXXX XXXX bill {$29.00} -- -- -- -- -- -- -- -- Total on XX/XX/XXXX {$620.00} And likely more charges since then. I sent USPS mail every month and they simply ignore it. Asked them to cancel the card as fraud and send a new one to stop the fraud and it is my requests go on deaf ears.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-27

Boston, MA

Unable to get your credit report or credit score

Mortgage: VA mortgage

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

Timely Response