NAVY FEDERAL CREDIT UNION

2017-11-03

Silver Lake, OR

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

2017-11-03

Winterville, NC

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

Vehicle loan or lease: Loan

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-02

Fresno, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I received a XXXX XXXX bill that was n't mine and XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-01

Keyport, WA

Incorrect information on your report

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

Account information incorrect
Complaint: Dear sir/maam, I paid my Navy Federal Credit Union credit card account ending in XXXX in full by settlement that Navy Federal Credit Union offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that Navy Federal Credit Union Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that Navy Federal Credit Union, XXXX, XXXX, and XXXX update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against Navy Federal Credit Union. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-01

San Jose, CA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-01

Dares Beach, MD

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

2017-11-01

Homosassa Spg, FL

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-31

Las Vegas, NV

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: In XXXX my family and I was living in a shelter someone there stole my bank card we was required to give our bank cards to staff to put away we was supposed to save money to get our own place in XXXX I went to staff to get my card and they stated it wasnt there I checked my online banking to see that my card has been used I called Navy federal and made them aware of the situation they said I had to make a dispute which Ive never done before I tried disputing everything but was told everything didnt post and to call back to dispute all the charges that didnt post so I had to call to dispute the remaining when I called I tried disputing all the rest which I thought I did but I guess I missed things that I thought I disputed in the first dispute my claim was denied and account closed because they said I failed to mention those other transactions that happened in between I tried explaining the situation to the lady who had the case and she didnt even care that I was victim I asked to speak to a supervisor was told I would get a call back no call I emailed the CEO and never heard anything back from them it is said I owe XXXX dollars to navy federal due to this
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-30

Getting a loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2017-10-30

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2017-10-29

Durham, NC

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 discovered that in XX/XX/XXXX that someone I was dating was stealing from me. I immediately contacted the police and filed a civil suit simultaneously. As I started to review the drafts on my bank account and credit cards. I had discovered that this individual had been making charges and also fraudulently opened accounts. In the month of XX/XX/XXXX, I also hired my own private investigator and later found out that Navy Federal had allowed this gentleman to obtain checking and savings accounts with me as his sponsor without even notifying me. This individual also has called in checks off of my credit card and actually had an alternate credit card that belonged to me in his possession. When I opened this account for Navy Federal and called to activate the card they told me that I qualified for a different card with better rewards. The agent told me that he would cancel this one and send out the new one. I later find out that Navy Federal did not only did not cancel the card but gave it the same number so when I activated the XXXX XXXX XXXX it activated, the other card that I disposed of was activated as well. I actually have proof from Navy Federal that this individual fraudulently called in a check to pay the bill for another card that he fraudlently opened in my name with XXXX. I have proof of my travel through the month of XX/XX/XXXX through early XX/XX/XXXX that I was in XXXX, IL, but multiple charges were made throughout North Carolina and yet Navy Federal still refuses to reverse the charges. I would like to be given a fax number to send all of these documents at when I try to upload it keeps saying file size to large.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-28

Manassas, VA

Written notification about debt

Debt collection: Mortgage debt

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-27

Brem, WA

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2017-10-27

Baton Rouge, LA

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

Timely Response

2017-10-27

Baltimore, MD

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-26

Thousand Oaks, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Navy Federal Credit Union ( NFCU ) claims that I, the sole owner of real property in XXXX California, gave XXXX XXXX XXXX, aka XXXX XXXX and XXXX XXXX XXXX. an interest in my property. NFCU presented a Title signed by me in XX/XX/XXXXplacing XXXX XXXX on title. NFCU failed to inform me of my rights as to the loan NFCU held on my real estate property. NFCU lied about the terms of the loan and is now covering up the misdeeds of the Credit Union. NFCU has asserted that the title allows NFCU to provide a loan to XXXX XXXX solely in his name. NFCU acknowledges the real property solely belonged to me, XXXX XXXX. Although, NFCU supposedly has this title with XXXX XXXX 's name, NFCU has refused to show documents that allowed XXXX XXXX sole ownership of the loan, or has refused to show any documents where I, the sole owner of the property authorized XXXX XXXX to be the sole owner of the loan. My name is also on Title. NFCU violated Federal and State lending laws, laws that prevent predatory lending, laws that prevent gender and racial discrimination by refusing to allow me to pay the loan and prevent foreclosure of my home. NFCU denied me, XXXX XXXX, the sole property owner of XXXX XXXX XXXX, XXXX, CA to inform me of my rights and possibly conspired with XXXX XXXX XXXX to carry out an embezzlement scheme. NFCU allowed and/or participated with XXXX XXXX in stealing my property. NFCU along with XXXX XXXX has used this " title '' to foreclose on my property and provides no other document where I have waived my rights to pay the loan or have access to the entire folder of loan documents. NFCU feigns cooperation. NFCU is working with XXXX XXXX to intentionally delay providing loan documents as one of many tools and strategies for this crime to go undetected. NFCU has failed to show documents showing that I, the sole owner of the real property they foreclosed and sold, signed any waiver of my rights to pay the mortgage. Because NFCU repeatedly refuses any and all my requests for documents concerning the loan NFCU issued solely to XXXX XXXX, this is a request for any and all documents signed by me, XXXX XXXX waiving my right to pay the mortgage issued approximately in XXXX or XX/XX/XXXX on the XXXX, California property. Additionally, this is a request for the entire XX/XX/XXXXloan documents file, in addition to any documents that clearly show I waived my rights to pay the loan. I am also on Title. I also ask that any delay or continuance requests by NFCU are denied because they have the loan documents and file readily available and readily accessible. Thank you for your assistance.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-26

Bowie, MD

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-10-26

Avondale, MD

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Complaint # XXXX was not addressed at all in Navy Federal 's XX/XX/XXXX response. What NFCU did was blocked out the bottom half of my complaint and just address the top introduction. XXXX is CONNIVING and SLICK. They need to be severely monitored on a monthly basis. Here I am today still trying to get some help and relief from this credit union giant. Navy Federal is charging me an astronomical amount of interest on a debt Ive been trying to rectify for 9 years. I defaulted on a loan in XX/XX/XXXX and it was sent to collections. In XX/XX/XXXX. I was able to get on a payment plan to pay a little over 14K and have been paying faithfully to this day. In XX/XX/XXXX, I called and requested my balance and pay off information and was sent aXXXX balance. I then sent a letter inquiring how they came up with this figure and was told in their reply that in my court drawn agreement it states the balance of XXXX shall be paid in full with interest at the contract rate. Therefore cumulating an unknown daily, monthly and or yearly interest rate of 12 %. The discrepancy here is that the court agreement does not state per annum or any other monthly or daily term, so this is falsely applying inaccurate interest to my debt. Meanwhile in a later response to my CFPB compliant they state that Navy Federal charges daily interest on my unpaid loan balance. The discrepancy here is the agreement does not state that either. This is also falsely applying inaccurate interest and a discrepancy, therefore price gouging my debt. If the court agreement is supposed to be 12 % per annum then why am I being charged daily interest as well ( Please see CFPB complaint response and court agreement ) In the letter dated XX/XX/XXXX, the attorney states, your monthly payment are still far less than the original payments you agreed to in the promissory note, the large amount of interest on your account is due to a combination of your relatively small monthly payments and the long period of time during which you were not making payments. Moreover, NFCU and their attorney has never sent any statements, receipts or invoices of payments made, which should also indicate the interest that was accruing. There is a variation of ways that theyre charging interest to my account, which is erroneously charging me interest all types of ways. None of above underlined are in the court agreement. If this is a charged off account why does NFCU still have this 9 years old defaulted account on their books and in their systems and dont send out statements or invoices. NFCU and their attorney can see the date and amount of every payment Ive ever sent in and yet they dont send statements to me to let me know my payment was received. If I had been receiving invoices I would have known long ago I was bring charged extremely high and erroneous interest and I still dont know how theyre calculating it. The account balance that was sent to collections was {$14000.00}. I have made {$14000.00} XXXX dollars in payments since that written agreement. In XX/XX/XXXX, I called the firm to request an account balance. They sent me a whopping balance of {$19000.00}. This balance can not be right. In the agreement it states, the balance of {$14000.00} shall be paid in full with interest at the contract rate. The contract rate is 12 % and since the contract doesnt state contract rate per annum it shouldnt be applied, thats not fair. The collections balance of {$14000.00} times 12 % is not the now XXXX. The written agreement does not state any terms or expiration. Im seeking a full adjustment in the amount {$1600.00} My formula XXXX x 12 % = XXXX + XXXX = XXXX - XXXX = XXXX Im asking the following questions. They havent provided me with any answers to my questions, which are listed below : How much can we come up with to close this account out with consideration of XXXX already paid? What would my monthly payments need to be to eliminate the daily, monthly or yearly interest? Can you send me the Navy Federal terms in which it states or underline in the court agreement where my debt is accruing daily interest on the grounds of me making relatively small monthly payments and the long period of time in which I was not making payments. Please send me this information. Can you mark in the court agreement where its states that since my payments are far less than the original payments I agreed to in the promissory note that all my payments are interest payments? Please send supporting documentation. Have I ever been late or missed a payment? If so, please send supporting documentation. Can you send me any supporting documentation in which it states that the original contract is still in effect alongside the court drawn agreement until paid? The latter drawn agreement supersedes the original, correct? How am I to interpret the statement the balance of {$14000.00} shall be paid in full with interest at the contract rate to mean daily, yearly and or monthly interest? The court agreement does not state interest per annum, thats a discrepancy nor does it indicate at the interest rate terms of the original agreement, thats a discrepancy as well. Its like you know and Im supposed to figure out thats what it meant. XXXX x 12 % is only an additional XXXX. How am I to interpret the statement Defendant agrees and Plaintiff accepts payments of {$100.00} per monthfor 12 months thereafter payments shall increase by {$25.00} per year to mean if my payments arent at least equal to my original contract payments then all my payments are interest? ( all 14k plus is interest ). This is a discrepancy. Its hidden or made up as we go a long and I was never made aware of this until XX/XX/XXXX. This is wrongful doing! Do you see how unfair and one sided this is in my sight? This is why Im writing to just put yourself in my shoes for a moment. What would you do if you were me? How would you feel? How would you handle this if you were me? What would you recommend that I do? If this were you how would you want to be handled or treated? All I have ever did was try and pay what I owe and have done that and thats not enough for you. Why? The resolution I am seeking is relief from this interest and to close this collections account permanently, at best offer and resolution I still owe a balance of {$1600.00}. Thank you for your consideration. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-25

Glenarden, MD

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: I was told that I would receive compensation for an NFCU credit card account that I settled back in 2014. I contacted NFCU today and was advised by the representative to contact the CFPB in order to get that redressed check sent out to me. I 'm not sure why this was n't resolved in my previous dispute. However, it needs to be corrected ASAP. I received a redressed check for an unsecured personal loan that I settled back in XXXX 2014 for {$5600.00}, but not for the credit card which I should have received a redressed check for as well. I keep getting the run around from NFCU and nothing is being done and I keep getting rerouted back to the CFPB. The only thing I want is the money I paid to be refunded just like the other money was totaling in the amount of {$6300.00}. I 'm not sure why this matter was n't thoroughly investigated as it should have been. I will be contacting the attorney general office in regards to this unresolved issue. I had to call in about the redressed check totaling in the amount of {$5600.00} because they did n't have it in their systems saying I was supposed to receive a check. However, I did because I was supposed to just like I 'm supposed to receive that check for {$6300.00} for the other debt that was settled. I just think everything was overlooked again and should be looked through thoroughly without cutting any corners.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-25

Washington, DC

Vehicle was damaged or destroyed the vehicle

Payday loan, title loan, or personal loan: Title loan

Complaint: My car was stolen and upon the theft that took place it was totaled, I had just lost my job so I than called Navy Federal Credit Union ( my loaner ) and informed them of the incident that took place, I than asked what my options where and was told about the payment protection plan, I was also informed that navy federal was no longer contracting with this company, I than asked about my Guaranteed Asset Protection insurance ( GAP ) and was told that navy federal has a phone recording of me calling in and cancelling the GAP insurance on XXXX XXXX which I disagreed with, at this point I left the situation alone because I had misplaced my contract which showed that I agreed to GAP insurance. On XXXX XXXX of XXXX I had been shreeding some old papers and came across my contract with navy federal I then called on XXXX XXXX, XXXX around XXXX and spoke with a representative to inform them of the differences in the dates of my susposidly cancellation and the signed contract, I told the representative that I was informed a few months ago that I cancelled my gap insurance which I did n't and that the date of the final signing of the contract was after the cancellation date in question and it would show that I agreed to have the gap insurance in place, so she then looked in to my account and agreed with the findings that the contract was signed after the susposidly cancellation of the gap insurance and said that navy federal would autimately go by the most recent signed contract, she than said that she needed to speak with a supervisor and put me on hold, upon her return to the conversation she infomed me that she had made a mistake and that I signed a letter stating that I cancelled the gap insurance which I did n't I than asked if she could email me this letter and she started to beat around the bush with me I got frustrated and hung up, upon calming myself down I then called navy federal back and spoke with another representative which I informed her what I was told in and earlier conversation, I also informed her that I had recieved XXXX seperate promissary notes and that the second one was sent because I did n't sign and initial the first one which at that point would have made the contract void without my signature so to asume that I agreed or disagreed to anything would be specilation at this point, she than said that the cancellation took place on the XXXX of XXXX of XXXX I than notified her that I did n't initialy sign the contract until after the XXXX of XXXX XXXX reason being I did n't recieve notice of this incomplete document until XXXX XXXX, XXXX which I have the original notice that was sent out, upon telling her the date in which I initially signed the contract and trying to get her to understand the dates of cancellation does n't add up she than asked me if I would not raise my voice which I was n't anyway, at that point I fell as thought she was unwilling to see the truth as it was and asked to speak with a supervisor, upon speaking with the supervisor I then told him what my disagreement was about and he then went on to try and explian to me that navy federal was going by the cancellation letter I than tried to explain in detail that I recieved the initial promissary note but because I did not sign my signature and initial it I recieved a letter in the mail along with a replacement promissary note from navy federal on XXXX XXXX, XXXX stating that I needed to sign and initial to indicate my voluntary selection of the payment protection Plan ( PPP ) and the Guaranteed Asset Protection ( GAP ) and because of this and me continuously stating that I did not cancell the gap insurance navy federal made a mistake, I was then told by the supervisor through out our continued conversation that navy federal does not go by the promissary note and that it ment nothing, I then informed the supervisor that I had no other choice at this point but to seek legal representation. P.S Upon the initial approval of the loan from navy federal I agreed to have Guaranteed Asset Protection ( GAP ) on the 1sXXXX promissary note I recieved I agreed to have GAP and on the initial signing of the replacement promissary note I agreed to have GAP, I never cancelled the Guaranteed Asset Protection ( GAP ) not by phone, mail, email, or in-person
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-25

Crestview, FL

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

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

Timely Response

2017-10-25

AR

Problem when making payments

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

Problem during payment process
Complaint: My credit card with XXXX federal stop me from making payment for return payments. I was a victim of fraud. XXXX was investigated I was unaware they stop all electronic transfers from my account ending in XXXX.my other account were fine. On XX/XX/XXXX - {$200.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$490.00} these were returned. But payment on XX/XX/XXXX {$340.00} was successful I contacted XXXX federal and conference call was made to verify funds. I made payment from my checking in account ending in XXXX. No payment was ever return from this account. Dates clear my bank for payment are XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX$ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX. $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX{$220.00}. I was ever a new account number for the account the was compromised ending in XXXX. I made a payment of {$200.00} that cleared my bank on XX/XX/XXXX. I made this payment to cover the XX/XX/XXXX payment that did n't go through. I only had 3 payment that have n't clear but due to issues not in my control. Now I have no other way to make payments. I 'm being penalize I had 11 good successive transfer to this credit card versus the 3 returned and 1 of those I made the next day to cover it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-25

Cols, GA

Managing an account

Checking or savings account: Other banking product or service

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

2017-10-24

Jersey, 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

2017-10-24

Long Beach, CA

Incorrect information on your report

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

Account status incorrect
Complaint: I discovered this derogatory account on my credit report. I have no knowledge of this account and never purchased a vehicle from this institution.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response