NAVY FEDERAL CREDIT UNION

2017-11-13

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

2017-11-11

NV

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: I purchased a used XXXX XXXX XXXX XXXX Boat on XXXX XXXX, XXXX, with a loan from Navy Federal Credit Union for the amount of {$42000.00}. I was told over the phone when doing the loan application by the representatives multiple times and by people in the branch that this was going to be a straight amortized loan over 15 year with a fixed rate of interest. I made the first three payments on time no problem then I decided to prepay the 4th payment. After that my account informed me that there was no payment due for almost 60 days. I have attached paperwork that shows all of this. When I went to check the balance of the loan it had gone up to {$42000.00}. The last payment was made on XXXX/XXXX/XXXX and no further payment was due until XXXX/XXXX/XXXX which was the date Navy Federal told me to make the payment. Over {$1600.00} has been paid on the loan but only {$15.00} has gone to principle. When I realized this I couldnt believe it, I was literally getting XXXX and was beside myself. Based on their numbers there should have been a principle reduction of {$570.00}. This is not the case and at this point the loan appears to have grown because now there is more interest to pay down.. What I was told was this loan has a per diem interest of around {$9.00}, and if you prepay the loan the bank holds the money for the interest anyway so basically it can not be prepaid. Also they told me that if I wanted to Prepay that I had to do it right after the monthly payment was made. This was never disclosed to me and sounds like extortion with a prepayment penalty in disguise. This appears to be predatory lending practices, nowhere is it mentioned or was this mentioned to me. Navy Federal told me not to make a payment but went ahead and still charged me interest of around {$9.00} per day for almost 60 days. I found this out after I checked the balance of the loan. I called them and spoke to many different people because no one knew what they were talking about and kept telling me that this was a fixed straight amortized loan for 15 years. Finally someone told me that the loan was a " Consumer loan '' whatever that means, it was my first time hearing about that type of loan. Also no one at the branch in XXXX XXXX XXXX XXXX told me about that when I signed loan docs and picked up the check. The first time I heard about this was on XXXX/XXXX/XXXX. I called back on XXXX/XXXX/XXXX and spoke with a XXXX or supervisor after being stonewalled by everyone else I had talked to and again no one really knew what were saying or what they were talking about either. After explaining everything to the XXXX again about how no one had informed me about any of these terms she said she was So sorry and would talk to the her employees. Is this an admission of guilt? Just like that oh sorry we didnt tell you about the loan and were had been charging you interest daily.. Because when I asked her if there was anything that could be done she said Oh no, Im sorry but nothing can be done so again no help from anyone and being stonewalled again, she started to get a little snippy and get an attitude with me when I started to press her on these questions about the loan because she couldnt answer or give me a straight answers and many of her answers were Ums, sorry and silence. Talking with the bank has gotten me no where and is a waste of time, this is why Im turning to you for help because believe me if I had known about this I would have never picked up the checks and would have immediately canceled the loan. This is really ridiculous and is not stated in the note, which again is attached. The name Navy Federal Credit Union really fooled me, I thought they would be helping out people from the armed services but are really taking advantage of these people because many of them lack the proper knowledge about lending. I personally know military people who have these types of loans who are really being taken advantage of. This needs to stop right now.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-10

Las Vegas, NV

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Complaint: Out of the blue, Navy Federal Credit Union locked me out of my own accounts on XXXX XXXX, a week ago. There were problems with their XXXX, a Branch Teller and most recently, a company notifying me that duplicate payments that were deposited were sent in error. I have provided detailed information. They are claiming a {$1900.00} checking account overdraft. I should be able to view this account activity, but am unable. One of my loans is secured by my XXXX XXXX. I am a 17 year member and fail to see any harm in allowing me to view my accounts. ALL contact is by me calling them or generic email by their " Security '' dept.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-10

Occoquan, VA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I have been a member of navy federal for over 20 years and when a filed a fraud claim on my checking account last month, navy federal blocked my online access to ALL my accounts without even notifying me. I ca n't pay my bills because I ca n't transfer money online. When I complained repeatedly on social media I was just told to call and then my complaints were IGNORED. Completely unacceptable!! When I did call, I was victimized again by some woman with horrible English who said my checking account had to be closed and a new one opened. I 've had the same checking account number the entire time I 've been a member and I have it memorized. If the account needed to be closed and another one reopened why was n't that already done when I filed the fraud claim??? The rest of my accounts should NOT be blocked online though. I have no idea what 's happened to navy federal 's customer service but it 's definitely gotten a lot worse in the last several years. I 'm still waiting for the {$110.00} to be returned that they stole from me when I filed another fraud claim on my credit card in XX/XX/2016. Navy federal seems to be on the side of the identity thieves and not their longtime members. They have my money held hostage and I need access given back to me online IMMEDIATELY so I can pay my bills. I 'm seriously considering closing all my accounts and taking my business to another bank where my business will be valued. Clearly customer service, member loyalty and service to the country mean absolutely nothing to navy federal and they should not be responsible for other people 's money. I 'm tired of being IGNORED and having my money stolen from the institution that is supposed to be protecting it!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-09

Bancroft Hall, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have received multiple voice messages from Navy Federal Credit Union ( NFCU ) on my work phone line, presumably regarding a debt owed by someone who was previously assigned my number but no longer working at my company. I called NFCU twice, once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and explained my situation to their customer service representative. I gave them my phone number and requested it be removed from their system. This is a direct line used by no-one other than myself, and I am not, nor have I ever been, a NFCU customer. The first time the representative said my number was associated with multiple accounts, and he was unable to remove the number unless I was able to provide a name associated with one of those accounts. I have no idea who those people are, and he was unable to further help me with the situation. When I called the second time, the second representative was unable to find my number in their system and told me to wait until I was called again. My number : XXXX Incoming phone number as listed on caller ID : XXXX Call-back phone number in NFCU voicemail : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-09

Bristow, VA

Written notification about debt

Debt collection: Payday loan debt

Didn't receive enough information to verify debt
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-11-09

Key Biscayne, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: There is an accoun from this NAVY FEDERAL that only take military affiliated individuals. I have not nor do i intend on joining the service. I have made several attempt to have them Verify the debt in which they are not able to but still reporting. I have no knowledge of this account nor bank brand. They sent the cards to a address in XXXX TX and still holding me liable I want them to remove this from my report its {$7200.00} reported as closed and is mentally draining me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-11-08

Cordova, TN

Excessive fees

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

Complaint: After moving over XXXX XXXX XXXX my then fiance, wife, now ex-wife and i consumed over {$50000.00} in debt. It has all fallen on me and i have no idea how to get out of this financial whole, need help!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-08

Naperville, IL

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
Complaint: On XX/X/17 I went to the XXXX XXXX XXXX ( XXXX IL ) to get eyelash extension. However, services were rendered but everything that was requested was n't done. XXXX install the lashes. I specifically asked for XXXX lashes. She put XXXX lashes on me. I immediately told them I was unhappy and I wanted them removed. They sent me to another Stylist to replace them with XXXX. The next stylist stated that if she was to remove the lashes, by them being newly installed it would remove my real lashes. At that point, I requested a full refund and I was told that they 'll have the district manager to call me. I left to go to my grandmother 's viewing for her XXXX. The district manager XXXX called me and stated that she 'll be willing to give me a full refund. As long as I come back for them to remove their product. Keep in mind stayed there for 4 hours to leave disappointed. The 2nd stylist stated that the new lashes are too new to remove it would pull my real lashes off is why I did n't go back. I felt like I was racially profiled and that was the reason I refused to step foot back in that place. Gave Navy Federal my credit card company all this information and they refused to give me my money back after my dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-08

Gary, IN

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Complaint: Im a veteran of the united states XXXX and when i departed from the XXXX I left $ in the credit union. I had 2 accounts. I thought maybe it would draw interest. Well when i tried to access it no info found I even had a loan through them and they got me in trouble I lost my SECURITY clearance and was sent to detention. Extra duty they took my money 4 45days and took all i had. This was navy federal credit union. Then in XX/XX/XXXX or XX/XX/XXXX I opened another account to access my old account they took my taxes and cancelled the account access and closed my account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-08

Avondale-goodyear, AZ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: My debit card ending in XXXX - was fraudulently used overseas to withdraw funds on 5 different occasions. Totally more than {$2400.00}. I filed a dispute with Navy Federal and the same day my claim was denied because they found no error due to my account activity? I believe my debit card was skimmed when I attempted to withdraw funds when I was in XXXX XXXX but the machine could not read my card and spat out my debit card. Now I am out more than XXXX $
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-08

Garland, TX

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

2017-11-07

Atl, GA

Problem caused by your funds being low

Checking or savings account: Checking account

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

Timely Response

2017-11-07

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

2017-11-07

Taft, OH

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Complaint: My husband and I are victims of and had our rights violated after my husband ( who at the time was an XXXX XXXX service member ) received a XXXX $ auto loan from Navy Federal Credit Union ( which was his bank during his military service ) who then started harassing us a year after receiving the loan because we fell a month or two behind on payments. Navy Federal Credit Union began making false threats about debt collection against us, and made multiple threats to us stating " pay or be sued! '' Navy Federal wrongfully froze us out from our account all because we had a delinquent loan. Navy Federal Credit Union ruined our credit as they reported it to go on our credit reports and also added on a large amount of fraudulent fees to the delinquent loan which made our credit report appear very poor and it caused years of living of denial due to our negative credit rating thanks to XXXX XXXX. The overwhelming harassment and threats started in XXXX up until XXXX. We have our credit reports to prove this as well as a few other documents to prove we were violated by Navy Federal Credit Union. We believe we are owed money and were never properly notified due to recent moves and believe we are entitled to the settlement XXXX XXXX was ordered to pay out to customers violated. Please contact XXXX or XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. our address is XXXX XXXXXXXX XXXX, XXXX Ohio XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-07

Cols, GA

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

2017-11-07

Boloxi, MS

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: Today XXXX XXXX, XXXX Navy federal credit union took a past due payment of XXXX for my closed credit card out of a shared joint XXXX XXXX checking acct with no authorization and no notification. They refused to return the XXXX unless I agreed to set up a payment on the XXXX of XXXX! When I explained to them I would n't be filing a complaint and that they had no authorization from me or my XXXX husband to take that money only then did they say they would return it but only after I set up a future payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-07

Batesville, SC

Problem when making payments

Payday loan, title loan, or personal loan: Personal line of credit

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

Timely Response

2017-11-07

Falcon, CO

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2017-11-07

Council, NC

Problem caused by your funds being low

Checking or savings account: Checking account

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

Timely Response

2017-11-06

Chesapeake, VA

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

2017-11-05

Hill Country Village, TX

Attempts to collect debt not owed

Debt collection: Auto debt

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

Timely Response

2017-11-04

Rochester, WA

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

2017-11-03

Columbia, SC

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

2017-11-03

WI

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Complaint: OnXX/XX/XXXX the Navy Federal Credit Union made an unauthorized withdrawal by check from my savings account in the amount of {$4600.00}. I first noticed that this transaction ( which I had not authorized ) had taken place on XX/XX/XXXX When I questioned the credit union by telephone I was told that the money had been sent to my ex-wife at her request. I have never authorized my ex-wife to withdraw money from my savings account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response