NAVY FEDERAL CREDIT UNION

2018-01-26

Saint Augustine, FL

Managing an account

Checking or savings account: Savings account

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

Timely Response

2018-01-26

Closing on a mortgage

Mortgage: VA mortgage

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

Timely Response

2018-01-26

San Diego, CA

Getting a credit card

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

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

Timely Response

2018-01-26

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This stems from a deposit made to a Joint Account owned by myself and my ( XXXX XXXX daughter who was XXXX at the time this account was established ). XX/XX/XXXX several deposits were made into ( Acct # XXXX ) from another Navy Federal Account ( XXXX XXXX XXXX ). I never had access to this money or benefited in anyway. I was never informed of this discrepancy. I had requested two times prior to this incident for my name to be removed from this account when my daughter turned XXXX. These request were never honored. Then XX/XX/XXXX I received my XXXX XXXX pay in my checking acct ( XXXX ) which {$400.00} was taken from that to pay a debt I was never notified of per banking regulations. When this happened I called the bank and they refused to entertain why the money was taken and refused to refund it. I drove 3 hours to the nearest bank the morning before I put my XXXX DAughter in XXXX XXXX for XXXX XXXX after having a XXXX XXXX over the bank and their discrepancies. I went into the bank on XX/XX/XXXX where they refused to remove me from account and demanded payment even after seeing my daughter in a XXXX XXXX unable to make XXXX XXXX. My daughters suffers from XXXX, XXXX XXXX XXXX, and XXXX which gives her XXXX, XXXX XXXX, and problems with XXXX. She just got out the hospital a week ago Thursday and now in XXXX XXXX XXXX. Details of this monies is being investigated for criminal charges. All of this has been explained to XXXX XXXX yet they want to make me the sane person responsible for a debt I had no knowledge of until they took my XXXX XXXX and then setup payment arrangement in order to refund my {$400.00}. SAD INDEED
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-25

Ft Lauderdale, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I would like to start by saying that I have enjoyed a very professional and courteous relationship with Navy Federal Credit Union. The staff is usually available and excited to assist with any issues and or concerns. Unfortunately, in this instance I have spent countless hours on the phone with various people including a Supervisor regarding this issue with no resolution. Initially in XXXX we were approved for an auto loan with Navy Federal Credit Union. At the dealership we were extended an offer with 0 % APR. We accepted that deal and proceeded to purchase the vehicle. We then were going to refinance the loan with Navy Federal in XXXX and received an approval on XX/XX/XXXX The decision was made not to proceed with the refinance at that time. Navy Federal Credit Union was promptly contacted and advised of our decision. I was advised that the initial check from XXXX was going to be voided and that a subsequent check was going to be sent ; however due to us cancelling the loan it was never sent. Navy Federal Credit Union is now reporting this loan on our credit report. Since this loan was never fully executed this should not be reporting on our credit reports. I have made many phone calls to them and was promised a deletion however it has not materialized. I am concerned about the negative impact that this will have on our credit. We have worked very hard to maintain a positive credit file and need this resolved urgently.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Timely Response

2018-01-25

Finley, WA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-01-25

Washington, DC

Incorrect information on your report

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

Account status incorrect
Complaint: Navy federal has been updating my credit report to all three credit bureau with inaccurate information. When a dispute for inaccurate information was made, Navy federal responded with more inaccurate information and duplicate entries on my credit report. I have paid a service to assist me in clearing up discrepancies however this issue has been ongoing for over 7 years. This issue is having a detrimental effect on my credit and is affecting my score and ability obtain credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-01-25

Cols, GA

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

2018-01-25

Jacksonville, NC

Fees or interest

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

Charged too much interest
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-01-25

Miami, FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-24

Macon, GA

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Complaint: NavyFCU offers cardholders fraudulent promotions wherein only those transactions in excess of a certain amount are subject to a promotional 0 % APR -- say, either {$500.00} or {$1000.00} for 6 or 12 months, respectively -- but fails to specify in the terms of the offers that these promotions create a situation whereby the only way to avoid paying interest on any purchases not subject to the promotions is to pay the balance in full, including any portion of the balance subject to the promotional 0 % APR. I made 4 transactions total on my NavyFCU credit card within the past 2 months, only 2 of which were not subject to a 0 % promotional APR. Despite making payments by the due date which were in excess of those 2 purchases each month, I still wound paying interest on those purchases. I have been informed today by " XXXX '' that the only way I could have avoided paying interest on those purchases was to pay the balance in full, including that portion subject to the promotional 0 % APR, rendering the promotions fraudulent.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2018-01-24

San Diego, CA

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 monetary relief

Timely Response

2018-01-24

Lemoore, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Collected or attempted to collect exempt funds
Complaint: The Navy Federal Credit Union ( NFCU ) has implied several times that, " when customer ( XXXX XXXX XXXX ) transferred his ( protected funds ) from his checking to his savings, those funds lost federal XXXX protected status, '' however, manager 's at the NFCU, XXXX Branch, XXXX, California state that, " customers checking and savings accounts are tied to each other and ARE the SAME. '' The NFCU continues its delusional behavior on their statement of denials on case numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. They have failed to produce credible federal laws that over-ride the following federal XXXX exemption laws. ( 1 ) Americans with Disabilities Act. ( 2 ) Public Law 111-275 Veterans Disability Protection Act ( VDPA ) of 2010. ( 3 ) Title 38, Section 5301 ( a ) ( 1 ), Veterans Benefits ( 4 ) 31 CFR 212.6 Rules and procedures to protect benefits. Sincerely, XXXX XXXX XXXX XXXX Veteran Copies to : The Department of Veterans Affairs The Office of Congressman XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-24

Cheverly, MD

Charged fees or interest you didn't expect

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

Complaint: I applied for a home improvement loan over the phone through XXXX XXXX at 9 % in XX/XX/XXXX of 2015. Prior to that, I had a checking account and a credit card with them that was in good standing. Because of this the fund was deposited into my checking account within a few days. Several weeks later, I received the loan documents in the mail requesting my signature and notice the interest rate was 18 % instead of 9 %. Immediately, I contacted the bank regarding this matter and was told, they would review the original phone call and make the proper adjustment. After a month, I checked my account and notice no change was made to the loan. I called again and was told once again that they would look into the matter and make the proper adjustment. Since then, I have made several phone calls, a visit to my local branch to resolved the matter, and was told over and over that they would make the changes but it never happened. After waiting for a year, I disputed the loan by certified mail. I gave them 30 days to respond but they never did. I have sent three certified letters and they have not validated my account bearing my signature.They are still reporting my account as being late to the credit bureaus and have refused to mark the account as disputed. This have greatly impacted my credit score negatively.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-24

Wdbg, VA

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

Timely Response

2018-01-23

Nyc, NY

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Complaint: My Navy Federal Credit Union account was sucessfully logged into by an unauthorized user on an Android device with an unsupported build that is now 5 years outdated ( version 4.4.2 ). One day after the unauthorized user gained access, there was a deposit made to my checking account from an authorized 3rd party. This transaction has been posted on the 3rd party 's account but not reflected in my account, the receiving account. NFCU is doing nothing to rectify this problem or assist in any way. During this time, NFCU made no attempt to contact me and notify me of an unauthorized access. I instead had to call NCFU, four days after the unauthorized user gained access, to inquire about why I was not able to see the above mentioned deposit posted.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-23

Macclenny, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: On XXXX XXXX, 2017 there was XXXX deposited into my unused Navy Federal Credit Union Checking account. The money was for XXXX XXXX XXXX/XXXX vet but it was an erroneous deposit and just like with any deposit the government makes they try and recall it or they check you later. XXXX has requested the money multiple times only to find out that Navy Federal has without consent transferred it an account of their own choosing. I have never agreed to automatic transfers. If they had not removed the money by the time XXXX came to retrieve it and correct their mistake it would have been known. Also this money is exempt money so it can not be used to repay a debt. I have replied numerous times to them and so has XXXX. They have done this before and I had to call numerous times to get the taken money put back. They have replied back regarding the deposit and keep directing me to the debt recovery department. That 's not fixing the problem that has happened. They first replied to XXXX that the account was closed. Then they reported that they never received the request to return funds.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-22

Fort Worth, TX

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: My ex wife and I got a new vehicle loan from navy federal credit union for XXXX. We purchased a XXXX XXXX XXXX for XXXX and XXXX after tax, title and licensing. My car note was XXXX dollars per month for 60 months. For the first 32 months I never missed a payment totaling XXXX dollars. I also traded in a vehicle valued at XXXX dollars. After the first 32 months I refinanced for a lower payment which was reduced to XXXX per month. I assumed payments and payed over XXXX dollars over the next year and a half. My payments totaled over XXXX dollars with a few late payments and nfcu still said I owed XXXX dollars for this vehicle. After getting divorced I called NFCU to relinquish the vehicle because I could not afford it anymore and they agreed to pick it up. Within the next 72 hours they said the vehicle was totaled and they would not pick it up and that I was liable for the amount. But, I had already paid over the amount for that vehicle and It was not totaled it was still fully functional.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-21

Staten Island, NY

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: I noticed several inquiries on my credit report after I pulled my report. on XXXX there is 3 inquiries I have no knowlodge ofXX/XX/XXXX navy fcu XX/XX/XXXX XXXX XX/XX/XXXX XXXX. on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-01-20

Killeen, TX

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-20

Rocky Ridge, MD

Incorrect information on your report

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

Account information incorrect
Complaint: I am trying to have a late charge removed from my credit report that was placed by Navy Federal Credit Union. I have contacted them and disputed this information because I payed the late charge before it went to collections and was told that there would be no impact to my credit report because I did so. This happened in XX/XX/XXXXand I have been trying to resolve this ever since and Navy Federal refuses to resolve this issue. When I request to speak with a manager I am told they are not required to transfer me and they are going to terminate the call. I was never notified that I was late even know I gave the account alerts set up. I have never missed a payment with them since or before this incident. I am disagreeing with it being over 30 days late. Again I just want them to honor what I was told when I called and made the payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-20

Biloxi, MS

Problem with a lender or other company charging your account

Checking or savings account: Savings account

Transaction was not authorized
Complaint: I noticed that {$400.00} was missing from my account. I was trying to transfer funds to my other account and was told the amount was unable to be transferred due to insufficient funds. I transferred {$1000.00} to that account and know for a fact that the money was there. When I called and spoke to a representative and then asked to escalate to a supervisor, someone named XXXX told me that it was an automated collection. I do not owe anything through or to the bank. When I demanded my money back, she asserted that they had every right to take my money although it is not my bill. Fraudulent activity that I reported and they refused to rectify it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-20

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

Timely Response

2018-01-19

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

2018-01-19

Finley, WA

Managing an account

Checking or savings account: Savings account

Problem accessing account
Complaint: I HAVE NOT RECIEVED MY DEBIT/ CREDIT CARD & I CANNOT SIGN INTO MY ACCOUNT. THE XXXX WAS SIGNED & REFUSES TO MAKEL DEPOSIT
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response