NAVY FEDERAL CREDIT UNION

2017-12-07

Garrett Park, MD

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Around XXXX XXXX I contacted Navy Federal Credit Union for a loan for a dump truck. I was asked to issue a bill of sale in order for the bank to review the value of the truck and determine loan amount. The bank came back after credit checks and I assumed VIN check and approved a loan of {$33000.00}. We accepted and signed agreeing to the loan under XXXX XXXX XXXX. Upon Arrival in Mississippi to pick up the truck, we realized after being there for a few days that the sale was a scam and that XXXX XXXX XXXX was in the business of scamming people. We immediately tried to contact the bank but XXXX XXXX was out and no one else seemed to be able to assist me with the issue. I sent numerous texts and emails and made phone calls and no one tried to assist. When XXXX returned I explained in detail what I found out from the BBB, XXXX XXXX, and various other websites that the owner XXXX scammed many other people the same way. XXXX tried to help and we continued to make payment on the truck until XXXX XXXX. I made numerous calls to the bank and was told rudely by one woman in the business collections department that it was n't there problem. After a few more calls someone from the business department called and asked me to tell what happened so they can best help me. I was told that the loan should n't have been issued in the first place and that no one actually did a vin check to see the value of the vehicle. Upon doing a Vin check they found out that the truck was only valued {$1500.00} and that it would n't be worth them repossessing the vehicle. I was told I would be contacted about the next course of action. I started getting letters from the bank saying they will need to take further steps if the account was not brought up to date. I called the bank and told them I could not afford to make the monthly payment as the truck was not in our possession and that is what we would have used to make the payments. I was told that the collections process would have to run it 's due course and I would be contacted by their lawyers. I received a letter from Attorney XXXX XXXX approximately XXXX XXXX to call about the loan or they will assume the loan is mine. I tried calling the number on the letter and no one picked up. I sent the letter back explaining that I contacted the bank and that the whole deal was a scam. I never heard back from the lawyer 's office. On XXXX XXXX, XXXX I received a letter thanking me for a payment I did n't make. I rushed to the bank only to find out the cleaned out all the money from my personal accounts without my knowledge even though I was told the dump truck was the collateral for the loan. This really put me and my family in great distress to the point that I could n't go to work. I try really hard to keep my credit profile clean.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-07

Warrenton, VA

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

2017-12-06

Tallahassee, FL

Trouble during payment process

Mortgage: VA mortgage

Complaint: Please, refer to my previous complaint as NFCU did NOT keep their word and although they sent me forbearance paperwork and said was accepted being assessed late fees and the contact person XXXX, public relations person as well as their CEO XXXX XXXX are not responding .In addition it will be a hardship to pay everything ; g back in XXXX as still doing hurricane repairs .It is the holiday season and a XXXX XXXX XXXXXXXX Veteran please help me ASAP and prevent my credit from being ruined, I paid last month.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-06

Santa Ysabel, CA

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with additional products or services purchased with the loan
Complaint: I have insurance on my auto loan with Navy Federal Credit union, in the event I become unemployed/early furloughed from my employment, the insurance was supposed to be applied to my vehicle loan and other accounts with this financial institution, instead they have added this account to collections making it impossible for me to gain employment or housing due to the collection account, I have tried to resolve this issue with them to no avail and am now experiencing financial hardship due to this.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-05

GA

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX PH : XXXX PH : XXXX EM : XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Date of Birth XXXX/XXXX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX, I received another email from Navy Federal XX/XX/XXXX in my XXXXXXXXXXXX email that included a PDF file titled Benefits Message.pdf. That was addressed to an unknown person XXXX and unknown school related extention XXXX. The email did n't show my email address XXXXXXXXXXXX it is in nor my name : From : Navy Federal XXXXXXXXXXXX To : Recipients XXXXXXXXXXXX Date : XXXX XXXX, XXXX, XXXX PM I created my XXXXXXXXXXXX account years prior to me moving here to XXXX. My account was n't provided nor created by another. Like my other email and other accounts, I have n't ever given anyone the password to be able to sign into my accounts. I had n't ever applied for nor Co-signed for any type of Loans while I was in the United States Military ; only from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I 've not been in any other branch of the United States Military in spite of taking my 1st Computer Test at an XXXX, XXXX Recruitor Office while I was still in High School with a XXXX XXXX Recruitor. It was n't unit XXXX, when my XXXX XXXX XXXX took me the XXXX XXXX XXXX where I completed several exams and had taken my 2nd Computer Test associated with the Military ; the same day I was sworn in to the XXXX. I 'm XXXX and was born XXXX my Recruitor was XXXX only. When I had spoken to a Recruitor near the XXXX XXXX, I had spoken to a XXXX XXXX Recruitor in XXXX, but I was only sworn into XXXX XXXX XXXX, I was n't ever sworn into any State branch of the Military. I did n't know anything about XXXX Organizations such as XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or the XXXX XXXX until XXXX or XXXX for example none of which have I ever worked for. Nor have I ever applied for any Loans outside of XXXX, IN or co-signed for any types of Loans for another person ; not even my children. I 'm not and have n't ever been married. I 've never had or applied for any XXXX Loans be it associated with the XXXX XXXX XXXX XXXX or not. If I 've been in a Navy Federal Bank it was only at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I 've only used the Bank ATM in such a Hospital a few times years ago. I 've never attempted to or had an account in any bank named Navy Federal. In spite of learning for the XXXX time in XXXX there were documents in my XXXX and XXXX XXXX XXXX XXXX Records that stated I had once been a XXXX XXXX XXXX with Rank XXXX. That infact was an impostor whom used my Identity. I was n't ever hired for any positions I applied for through XXXX after I moved to XXXX in XXXX. I 'm not and have n't ever been a XXXX XXXX XXXX XXXX Employee. Nor have I ever been in person to XXXX nor taken any online course through any schools, colleges or universities in XXXX I was interested in years ago. The XXXX time I learned of there being a such thing as an XXXX XXXX Employee position I resided alone from XXXX to XXXX in the XXXX XXXX Apartments at XXXX XXXX XXXX. XXXX XXXX XXXX in XXXX, XXXX. At which time I applied online through XXXX for a XXXX XXXX position with the United States XXXX in addition to other positions for other government agencies none of which ever hired. I applied at that time online using my XXXX XXXX XXXX XXXX. * Certificate Of Authenticity XXXX My XXXX XXXXXXXX Desktop Computer was delivered by XXXX that had XXXX to deliver it to my residence at XXXX XXXX XXXX XXXX , IN XXXX XXXX, XXXX. That was stolen from my residence in XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX . XXXX in addition to my other property on XXXX/XXXX/XXXX. Of which I have n't ever gotten back nor my stolen property here in XXXX. I have n't ever owned another XXXX XXXX Desktop Computer. The XXXX XXXX XXXX XXXX denied my Educational Assistance request here in XXXX in XXXX and XXXX. I was only in XXXX XXXX XXXX after being denied in XXXX, XXXX in XXXX ; not here in XXXX. In spite of my diverse interest, I 'm not and have n't ever been enrolled any any Educational Programs associated with any type of Veteran related Programs here in Georgia or outside of XXXX, XXXX. Nor have I attended any schools, universities or colleges I was I interested in here in XXXX or outside of XXXX since I moved to XXXX in XXXX. No Military Educational related Programs, Vocational Rehabitation Programs be it State or Federal, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX related Programs, nor Food Stamp related Programs, Schools nor Employers have ever provided or purchased electronics such as phones, cellphone, computers be it laptop or desktop for me ; nor ever given to me as a gift ; past and current & stolen Ipurchased myself. Thank you, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-05

Val Verde, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XXXX XXXX, XXXX, a person named XXXX XXXX accessed my checking account and conducted 3 transfers from my account to her account. This person added themselves as a member to member payee on XXXX XXXX, XXXX at XXXX XXXX. At approximately XXXX XXXX, the following transfers were conducted to that persons account, {$280.00}, {$580.00}, and {$1500.00}. My spouse noticed the transactions around XXXX XXXX and we contacted Navy Federal Credit Union. Shortly after XXXX on the XXXX of XXXX we filed a claim with the fraud department, this claim would not be posted until XXXX XXXX on the XXXX. I spoke with a service representative around XXXX XXXX on the XXXX and they informed me that once the claim was assigned an investigator they would have 10 business days to complete the investigation and provide their findings. I called back on XXXX XXXX, XXXX and they informed me that an investigator had been assigned on the XXXX. We have called multiple times within that time frame and have not received any updates as to the projected completion of this investigation. I called this morning, which is 12 business days after the assigned investigator, and they informed me that it would be until the middle of next week until it would get completed. I am currently working on a written notice to Navy Federal Credit Union informing them that i require additional information and updates. During this whole situation they have not contacted me or my spouse to update us.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-05

Oceanside, 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

Timely Response

2017-12-03

El Paso, TX

Fees or interest

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

Problem with fees
Complaint: I received a mail offer for a 0 % balance transfer for a promotion period of 1 year. I went to my account and clicked the link for this transfer. I initiated the credit card transfer from XXXX to Navy Federal Credit union XX/XX/XXXXfor the amount of {$3500.00} and the entire amount was accepted. My statement endingXX/XX/XXXX had total activity amount of {$7500.00} which included the balance transfer amount. I figured if I paid all purchases for that statement which was due XX/XX/XXXX then there would be no interest accrual. I paid {$4100.00} but my actual purchases were {$4000.00}. I paid extra to put some toward the balance transfer balance. My statement ending XX/XX/XXXX had an interest charge of {$11.00} but I could not understand why. I contacted XXXX XXXX XX/XX/XXXX to get some clarity but it made no sense so I sent a reply and further explanation on XX/XX/XXXX but I still had not received another response byXX/XX/XXXX so I decided to call. I explained as above about the interest and he said if my full statement balance had been paid then there would be no interest. The full statement balance included the balance transfer that was suppose to be 0 % interest for 1 year. I explained I transferred to avoid interest but instead still being charged interest. Ultimately I told him I wanted my {$11.00} and he agreed to credit ( it would show up in about 2-3 days ). He further explained interest would be charged again if the entire balance is not paid to include purchases and the balance transfer amount. Bottom line I found this to be a very sneaky way to charge interest because what is the point of 0 % interest balance transfer.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-03

SC

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: I obtained a loan from Navy Federal Credit Union in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by Navy Federal after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from Navy Federal both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting Navy Federal by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on Navy Federal the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was pregnant may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like Navy Federal Credit Union to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-03

Burlington, MA

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

2017-12-02

Meridian, AR

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

2017-12-01

Atlanta, GA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On Thursday XXXX I processed a deposit into a Navy Federal ATM. The deposit included one item which was a Cashier 's Check for {$14000.00}. The deposit was made after the cut off time for the XXXX, so I did not expect funds to be available until XXXX. I called the credit union to confirm the date that the funds would be available and was told that they would not be made available until Wednesday, XXXX, as there would be a two business day hold placed on the item. The item was an Official Check which is a next day availability item according to Reg CC. The item was made payable to myself, endorsed by myself and was deposited into an account in my name. I inquired if I could come pick up the check and cancel the deposit to cash the item at the institution it was drawn on, and was told no, because the check was imaged by their ATM. I was also told that if I went into a branch to make a deposit, the funds would have been available sooner ( even though the transaction date would be the same ). This is a violation of Reg CC. Placing a hold because I made the deposit at the ATM instead of at the branch is senseless. Also the item is a next day availability item.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-01

Bancroft Hall, MD

Incorrect information on your report

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

Account status incorrect
Complaint: In XX/XX/XXXX I disputed an account that appeared on my credit report from Navy Federal Credit Union. This accounted was paid and settled ( CLOSED ). Today ( XX/XX/XXXX ) I am receiving emails saying that I have missed payments from this account and my credit score has dropped 24 points over this. This account is CLOSED-SETTLED. However for some reason they have listed 'Between XX/XX/XXXX and XX/XX/XXXX your NAVY FEDERAL CR UN automotive account balance decreased by {$1900.00} from {$8100.00} to {$4100.00}. ' I have spoke to Navy Federal on the phone today ( XX/XX/XXXX ) and they stated all three accounts I had with them have been settled and are closed and that I will have to file a dispute AGAIN to fix their error. I should n't have to go out of my way to fix someone else 's error.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-12-01

San Gabriel, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or Navy Federal Credit Union, and will contact my local Police station tomorrow to file a report of fraud/identity theft. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-01

Phila, PA

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2017-11-30

Eli, NE

Opening an account

Checking or savings account: Savings account

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

Timely Response

2017-11-30

Chula Vista, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-30

Washington, DC

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted you after you asked them to stop
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-30

Ponce Inlet, FL

Closing an account

Checking or savings account: Other banking product or service

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

Timely Response

2017-11-30

Oxford, GA

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: I was shocked when I received my credit report and found late payments on the the dates below : ( 30 ) day late in XXXX 2017 Im not sure now this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-30

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

2017-11-29

Robertsdale, AL

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 non-monetary relief

Timely Response

2017-11-29

Bel Alton, MD

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Complaint: Sir I was given a credit card with a {$15000.00} limit while I was making {$19000.00} a year. I attempted to pay the monthly payment even with my parents help. When I just could n't pay it. They lowered my limit. And then without notice cancelled my card. I was doing my best. It was just too much! As if they set me up to fail. And they would take every penny that I put in my account savings and checking.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-29

Silver Spring, MD

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: 1 ) XXXX XXXX ( {$910.00} ) 2 ) Navy Federal Credit Union ( $ UNKNOWN ) 3 ) XXXX XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-29

Jacksonville, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I bank with Navy Federal Credit Union. My concerns are the EFAA ( Expidited funds availability act ) mandated by the Federal Reserve System. NFCU trick there members into thinking there getting direct deposit early. This is not the case. This has been an ongoing issue. They have changed policies without giving customers any knowledge. At the end of the day there practices are paying interest from customers checks every month. Its stealing and its wrong. Its more than what im explaing. I have the right to choose who I want to bank with. There purposely not giving out valueable information to keep their customer base. Please contact me for further details in this matter. It needs to be address so people wo n't lose money.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response