NAVY FEDERAL CREDIT UNION

2019-10-19

NE

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I informed the company that this account was the result of identity theft. The theft is a close family member of mine and I have chosen not to press charges against them for their crimes against me. Since I have elected not to press charges, I made this company an offer of settlement in exchange for the complete deletion of the tradeline. They advised they would not delete even if I paid.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-18

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

Timely Response

2019-10-18

Perris, CA

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

2019-10-18

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

2019-10-18

Lorton, VA

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

2019-10-17

NC

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Banking errors
Complaint: Navy Federal changed the yield on an open certificate from 3.5 % to 2.08 %. The 3.5 % was part of a promotion where if you have a direct deposit set up on a checking account, you would receive this rate. I set this up through my employer, and had multiple payroll deposits directed to my checking account ( # XXXX ). See deposits on : XX/XX/2019 ACH Transaction - XXXX XXXX XXXX XX/XX/2019 ACH Transaction - XXXX XXXX XXXX Navy federal is telling me that they don't count because they are ACH. When asking them to correct this, they responded : " Thank you for using Navy Federal 's eMessaging Service, Mrs. XXXX. Please be advised that the DDNP must be a direct deposit. Our records indicate that the funds are being sent weekly via XXXX. The direct deposit would typically come from an employer as part of your paycheck. If we can be of further assistance, please let us know. We thank you for choosing Navy Federal and hope you enjoy your day. " " DDNP '' is an unclear, and misleading. What the XXXX does that actually mean? How can a payroll deposit, from an employer not be a direct deposit?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-17

Vacaville, CA

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

2019-10-17

Independence, KY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2019-10-16

TX

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 have these unknown inquires I wish to have them removed, I have sent letter to XXXX, I have reached out to the creditor that made the inquiry still no help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-16

Fleming, GA

Managing an account

Checking or savings account: Savings account

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

Timely Response

2019-10-16

Oxford, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I reviewed my XXXX credit report and I totally shocked that XXXX reinserted fraudulent accounts on my credit report from 2-4 years ago. XXXX has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX XXXX and Consumer Financial Protection Bureau. I am requesting for XXXX to delete and block these fraudulent accounts immediately : 1. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. XXXX XXXX | XXXX Balance : {$1600.00} 4. XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX did not notify me within five business days before placing these old fraudulent accounts back on my credit report. XXXX has violated my rights and I will be consulting with a consumer attorney sue XXXX for its negligence.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-16

Houston, TX

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-16

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

2019-10-16

Las Vegas, NV

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: About a week ago, I received ten checks from XXXX XXXX because I filed a complaint against them with the U.S Department of Transportation. XXXX XXXX reimbursed some of the money that we paid for nine of us when we were on vacation which was majorly delayed along with unnecessary expenses caused by the delay. Now, on Friday, XX/XX/2019 at XXXX, I went to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Nevada in order to deposit all ten checks. I waited in line for a good half hour when I was finally seen by a young lady. She looked at the checks, seen different names on them along with deposit only on the back. She then asked for the manager which was a XXXX, XXXX XXXX lady with XXXX. She said that the checks needs to be signed by each person before depositing unless she places them into each persons account. I said no because these funds are mine since we paid for the whole trip and XXXX XXXX was fully aware of this. I then stated that two of these people are minors and by law, do not need to sign these checks. I then took the checks back and contacted everyone to come over to our house to sign the checks so I can deposit them. On Tuesday XX/XX/2019 at XXXX, I went to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX Nevada in order to deposit all ten checks into my account. The teller said that I needed to sign the checks. I said no, I didn't need to and asked for the manager. The manager came which was a XXXX XXXX XXXX woman. She asked if this company was out of the country and I said XXXX XXXX is from XXXX. She then stated that she can deposit just our checks only and not the other three checks for the other relatives. She then said that the checks would have third party fees because they would need to go to XXXX XXXX in order to get the funds and could take six weeks because these checks were from out of the country. I said why when I already had everyone sign the checks including our minor children! I then asked for the checks back and then went home. I then contacted Navy Federal Credit Union by phone on Tuesday XX/XX/2019 at XXXX and spoke with XXXX which was the supervisor. I explained that I purchased all the tickets for this trip, that I went to Navy Federal on XXXX XXXX on last Friday and what the manager told us. I had everyone sign the checks including the minor children, then went to Navy Federal at the XXXX XXXX location to find out that I could not deposit these checks into my account. The facts are ; these check are issues from a XXXX Branch location located in XXXX Delaware. All of these checks were signed by each person ( endorsed ) that was issued the check too, all the checks are in my possession along with each invoice receipt which reflects these checks were mail by XXXX XXXX to my home address and not to anyone else. Furthermore ; the employees at each branch should have notified me, the customer what the procedures are without wasting the customers time and money by driving around unnecessarily! Now, endorsing a check does not require the person that is giving the check to another person, that the endorser does not need to reflect that he or she is endorsing the check ( s ) to a certain person with there name on it but XXXX the supervisor said that it was a requirement. I notified him that I wanted to file a complaint against these managers that failed to give me the correct information, wasting my time and money and that I was going to file a complaint against Navy Federal with Federal and State agencies.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Timely Response

2019-10-16

Colts Neck, NJ

Problem when making payments

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

Problem during payment process
Complaint: **I was led to believe from the Navy Federal CU mobile app that my credit card payment was not 30 days past due. **On Friday XX/XX/2019 the Navy Federal CU mobile app showed my account being 28 days past due. **I made the Payment on Saturday XX/XX/2019 and the NavyFederal mobile app now showed the account as being 31 days past due. **I have screenshots showing Friday XX/XX/XXXX 28 days past due & then Sat XX/XX/XXXX 31 days past due being displayed on their mobile app. -- - Both screenshots are attached to this complaint -- - **To make matters worse they did not even use my payment date but the posting date of the payment which ended up being XX/XX/XXXX because of the XXXX XXXX holiday. **Now when checking my credit reports I have a 30 day past do negative annotation on this credit account. **I then made several calls to Navy Federal credit Union and spoke to 2 separate managers in the credit card department. Both explained to me that there was nothing that could be done about the negative mark ( 30days past due ) that was placed on my credit report. **I have been a member of Navy Federal Credit Union for 25 years since my enlistment in the XXXX XXXX . I have never had an issue and have always been treated fairly. I have had the credit card for about 2 years and have never made a late payment. **I would very much appreciate if the negative mark on my credit reports was removed.
Company Response: Closed with explanation

Timely Response

2019-10-15

CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: The mortgage processor from Navy Federal Credit Union assigned after online application and upload of requested information withdrew our loan application and hung up the phone during a phone call on XX/XX/2019. The loan officer was unavailable and did not communicate for 5 days. The process was broken with confusing document requests electronic and otherwise. Refused to accept digital signatures for 4586-T forms requiring printing and mailing. Was unprofessional. Damaged our credit by pulling a hard credit pull.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-15

Boloxi, MS

Fees or interest

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

Problem with fees
Complaint: On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the credit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. I paid a {$49.00} annual fee for the card. Since the credit union closed the card, I am unable to use it, therefore they should return the fee I paid for the card.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-15

Boloxi, MS

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the XXXXredit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. I've had accounts with Navy Federal Credit Union for approximately 4 years. All activity throughout this period has been consistent and fully within the terms and conditions they provided me when I opened the accounts. Shortly after this, the credit union closed my credit card and refused to pay rewards I had earned on the account in accordance with their terms and conditions. The credit card agreement stated I would receive 2 % cash back for all purchases I made with the card. At the time the credit union decided to stop complying with their credit card contract with me, my account contained XXXX points, worth {$44.00} if redeemed for cash as described in the credit card terms and conditions. Had I known the credit union would violate their own contract by refusing to pay rewards I had earned, I would have used another bank 's credit card. Since the credit I would like to point out again, the credit union never provided me a reason for closing the account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-15

San Gabriel, CA

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 with Navy Federal Credit Union. My credit card went bad because I was financially unable to maintain the payments. Due to me being a XXXX veterans I was limited as to what I could do for employment. I was employed as a XXXX XXXX but had many limitations. Due to my XXXX I wasn't able to do the XXXX XXXX XXXX therefore I ended up losing my job. This caused my inability to continue making my scheduled payments. In the beginning NFCU tried working with me eventually closing the credit card. In 2017 NFCU charged off the account. I have no disputes with their protocol. After the charge off NFCU continued to call me daily and harass me about paying the credit card. I asked them to stop with the calls but they continued to call with harassment. I sought legal aid in which they sued NFCU winning a judgement against NFCU for violation of Penal Code 653m. Almost 2 1/2 years later NFCU changed my credit report status from charge off to FP ( failure to pay ). NFCU did this out of spite to negatively impact my credit score, harass me into paying, tarnish my character and to negatively effect my credit worthiness. They waited 2 1/2 years after the charge off was completed to assult my credit and character. I strongly believe all of this was done by NFCU as a form of retaliation against me. I have the proof to support my accusations and claim against NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-15

Boloxi, MS

Fees or interest

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

Problem with fees
Complaint: On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the credit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. The credit later closed my XXXX credit card. I paid an annual fee of {$49.00} for the card. This should be refunded since I no longer have use of the card, and the credit union closed the account without consulting me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-15

College Park, SC

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

2019-10-15

Albuquerque, NM

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: I am a victim of a catfish scam and my information was compromised after I opened a photo that was sent to me, which contained a virus that copied information off my cell phone. This information was used to open a credit card account in my name with Navy FCU on XX/XX/2019. The credit with a {$25000.00} credit limit was maxed out with one month with purchases and cash advances. I contacted the Navy FCU to dispute the fraudulent account. They conducted their investigation and told me that I am liable for the charges because I gave authorization to a romantic partner. I explained that I did not give authorization to anyone and that my information was compromised due to malicious software. Navy FCU refuses to disclose to me the process the account was established and documentation showing how the account was established. I am frustrated and I am feeling victimized all over again.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-14

Washington, DC

False statements or representation

Debt collection: Credit card debt

Indicated you were committing crime by not paying debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-14

FL

Incorrect information on your report

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

Account status incorrect
Complaint: I applied for car loan in XX/XX/2019, my report shows serious delinquency from XXXX. Also my credit monitor on navy federal credit union also shows serious delinquency on XXXX. I have not been delinquent in any of my loans and no company has called my or sent any letter that i am delinquent. My XXXX fax does not show any delinquency and i wonder why that report is in my account why i do a credit check
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-11

Covington, GA

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 explanation

Timely Response