Date Received: 2022-01-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have escalated this issue several times. They have assured me that my account I will get paid a day early after the VA send them my XXXX. That is not true. It is based on the account that I have. They have consistently made it extremely difficult to understand which account I am on and which type of account actually gets the benefits that they are talking about. This has never been resolved, they blamed me for not being in the right account after they set it up incorrectly at first. I have been in the wrong type of account this entire time. It as exacerbated my physical and mental wellbeing in a profound, negative way. They said, as a courtesy, they post it on Saturday. That is not a business day. Why not Friday? Their online calendar is extremely misleading, making me believe I get paid earlier than I should, leading to $ XXXX of overdraft fees since I have been with them. I spoke with XXXX, a supervisor, on Friday XXXX. She didn't know anything and then hung up the phone. As of this message, I do not have my money because it will post on a " Saturday? '' I have never understood how or why they post my check earlier, but only sometimes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 74105
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Problem with customer service
Subissue:
Consumer Complaint: I am in a state of emergency I have been robbed while traveling someone broke into my truck and found where I had my traveling emergency cash and stole it now I called Navy federal and asked him if they could make my pending deposit available two days or three days early instead of one day early and they said no the money is not actually in the bank the federal government is just saying they are going to pay you this money on that day we already pay you one day early as a courtesy for being retired military OK I says maybe I can borrow it I just need it may be {$1000.00} to get where Im going my truck is a tow package and uses a lot of gas and I wanted to make sure I had enough money to go or get home anyway I was shot down on the loan because of Credit I guess I will get a letter about that and I forgot to mention the lady I asked the lady a civil what do I do if I get turned down and she said you call us back and well work through this somehow well I called back and the customer service agent said we cant we wont and I said let me speak to your supervisor and I had also spoken to the same lady about this issue already at which point during the previous conversation I said let me speak to someone higher in authority than you I dont care if it is the board members and you have to wake them up at XXXX this morning I dont care this is an emergency Ive got to get home Im in my truck all night long now and it is cold and I am hungry and tired I wan na go home she said there was no one of higher authority than her or would not let me speak to anyone so I said the last time I ask you to speak to the board members I ask this time Im not asking Im telling you youre going to let me speak to the board members or at least give me a phone number or an email address where I can contact the board she said there was no way of contacting the board and I said why do they not exist are they dead are they Democrats is this how Biden got elected he used our XXXX board members as voters anyway I was being a little sarcastic but I was actually very hot at the stupidity of that statement I told her if there are not contactable then I want to run for membership on the board myself and Im going to Ill get to that at a later point in my life or maybe not so late I think it wont be so late matter-of-fact finally she gave me a website after I talk to her a third time and I was very blunt and stood my ground but still respectful she could not answer a single question she bagged herself into a corner where she just could not say anything and then said Im not talking to you anymore hang up and dont call back well not only was I treated like I was a nobody Ive been with this bank at which I forgot to mention since XXXX it is XXXX XX/XX/XXXX to today this is my complaint she finally said when I brought it to her attention that XXXX XXXX accommodated me and the same situation and said they had an emergency I believe it was XXXX XXXX I might be mistaken about that but Ive been XXXX XXXX about as long as Ive been with Navy federal anyway they said for emergencies they would do it once a year up to five days early if the deposit was pending in the account already now I said does Navy Federal Credit Union not have emergencies she said no oh no not Navy Federal Credit Union they do not have XXXX and I gave her examples of emergencies I have answered the call to while I serve 21 years in service from my country I told her I answered the call when it was an emergency and went above and beyond I said let me speak to the captain I said Ive spoken to many captains on their carpet throughout my life and I said it when I was right I stood my ground and Im right now and Im gon na stand my ground and Im not asking Im telling you to let me speak to the captain so she this at this point she said theres no way to talk to them they dont exist so I believe that was the term she was they dont exist anyway my complaint is not the fact that I was so dismissed so vulgar XXXX my complaint is also the fact that a branch manager was the highest level authority to speak to at Navy federal customer service high was XXXX on by the bank that I gave almost 50 years of loyalty to or may yes almost 50 years
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I RECENTLY HAD A DISPUTE WITH A MERCHANT WHICH RESULTED IN MY NAVY FEDERAL CHECKING ACCOUNT BEING CLOSED DOWN AFTER FURTHER REVIEW NAVY FEDERAL ASSISTED ME WITH RESOLVING THE DISPUTE AND SETTLED IN MY FAVOR FOR THE AMOUNT OF {$1800.00} ITS BEEN A ONGOING ISSUE AND DELAY ( WEEKS ) WITH NAVY FEDERAL RETURNING THE FUNDS TO MY ACTIVE SAVINGS ACCOUNT THAT I HAVE WITH THEM IVE CONTACTED AND SPOKE WITH 9 DIFFERENT SUPERVISORS EXPLAINING THAT THIS IS CAUSING A BIG FINANCIAL HARDSHIP ON MY FAMILY BY FUNDS STILL NOT SHOWING IN MY ACCOUNT ACCOUNT NAVY FEDERAL CHARGED OFF MY CHECKING ACCOUNT FOR A OUTRAGEOUS AMOUNT THAT I FEEL I WASNT RESPONSIBLE FOR ALSO IT WAS STATED A ACCOUNT CANT BE CHARGED OFF UNTIL AFTER 180 DAYS OF THE UNPAID DEBT BALANCE THEY HAVE TAKEN 3 MONTHS OF CHILD TAX CREDIT PAYMENTS ALONG WITH ADDITIONAL FUNDS I HAD REMAINING FROM ANOTHER ACCOUNT I HAVE WITH THEM PROVIDED NO LEGAL RIGHT TO DO SO OR EXPLANATION ON WHY THE FUNDS WERE CONSTANTLY BEING TAKEN FROM MY ACCOUNT IVE BEEN GIVEN NO EXPLANATION OR ASSISTANCE ON WHEN I WOULD RECEIVE ANY OF THE FUNDS IM ENTITLED TOO
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46218
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: The credit union charges every month interest in cash point, plus the interest for the amount use on the card, then insurance which I think is unfair to the consumer, as opposed to that fee covering the pay back amount.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Creditor has reported my loan account charged off for {$2000.00} and {$1400.00} past due as of XXXX XXXX with a status date of XX/XX/XXXX. All payments were made and the balance shown represents late charges PLUS INTEREST on those late charges. The attached loan disclosure reveals the late charge is {$29.00} BUT the disclosure does not give an interest amount on late charges. Thus, the creditor is in violation of the Truth in Lending Act. Potential lenders viewing my credit report will assume that I did not make the monthly payments and the charge off is due to this failure rather than a dispute as to interest charged. Additionally, the creditor has ignored my numerous requests to differentiate between the late charges which I am was willing to pay and the interest amount included with the late charge balance. According to the Fair Credit Billing Act, I was not required to pay the disputed amount and can not be penalized for withholding payment for amounts in dispute. Creditor 's report to the credit bureau that my loan account was charged off violates the Fair Credit Billing law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have previously submitted a complaint to Navy Federal Credit Union on XX/XX/2021 ( Complaint ID : XXXX ) about denying me an extension of my own credit. As stated in 15 U.S. Code 1691 ( a ), it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. An adverse action, as defined in 15 U.S. Code 1691 ( d ) ( 6 ), is a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. This further supports the fact that I was discriminated against and violated as a federally protected consumer under Title 15 Chapter 41 and that it is unlawful to deny me an extension of my own credit. Navy Federal Credit Union has not replied to any complaint that I have submitted and has surpassed the 30 days of investigation into this situation. I DEMAND that this issue be resolved as soon as possible and that the remedy I ask for is fulfilled.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: To Whom it may concern, My personal bank withdrew a payment from my checking account according to the date the payment was to post to the biller, with sufficient funds to process the payment requested. My bank, NFCU, uses XXXX to process payments, and according to NFCU XXXX did not produce the check timely to the biller, XXXX XXXX XXXX XXXX, the payment was requested to be sent to. For example, the payment was withdrawn from my NFCU checking account XX/XX/XXXX, the payment due date to XXXX XXXX XXXX XXXX was XX/XX/XXXX. XX/XX/XXXX I was notified by XXXX XXXX XXXX XXXX the payment had not been received. I was in contact with NFCU, who could not explain the reason XXXX did not process the check to date. NFCU refunded my XX/XX/XXXX withdrawal on XX/XX/XXXX, as well as refunded the late fee XXXX XXXX XXXX XXXX assessed to my account. On XX/XX/XXXX, after receiving the refund from NFCU, I submitted the payment to XXXX XXXX XXXX XXXX for the XX/XX/XXXX late payment as well as the late fee incurred. To avoid any delay in payment, payments were processed to XXXX XXXX XXXX XXXX, on XX/XX/XXXX, using their online portal. I received a letter of Good Faith from NFCU, XXXX to submit to XXXX XXXX XXXX XXXX XXXX the biller. After the letter was submitted by myself, and NFCU, to XXXX XXXX XXXX XXXX requesting acceptance of the Good Faith letter to lift the credit reporting delinquency XXXX XXXX XXXX XXXX XXXX would not accept/process the Good Faith letter to where NFCU indicates they were to deliver the payment to XXXX XXXX XXXX XXXX by XX/XX/XXXX. After numerous calls to XXXX XXXX XXXX XXXX, the delinquency remains on my credit report. Please note the Good Faith letter from NFCU CheckFree/Fiserv notes my XXXX XXXX XXXX XXXX account number under my name. A request was made to where I asked assistance from NFCU months later, asking they further reach out to XXXX XXXX XXXX XXXX, identifying the error of payment was on their part, with no avail. Due to the lack of cooperation from both banks, this reduced my credit score to the point I was unable to co-sign for a student loan for my child 's second year of college in the fall of XXXX, which was not an issue the year prior due to a good credit score. NFCU was advised of this adverse event caused by their delinquency of processing my payment timely, to where no further assistance was provided on behalf of NFCU to clear this matter. I am providing bank records, showing adequate funds were available at the time of the request to process the payment from my NFCU checking account according to the date requested to pay XXXX XXXX XXXX XXXX on XX/XX/XXXX. In addition to providing those documents, it's noted in my bank records where NFCU refunded the requested payment from XX/XX/XXXX ( for the XXXX XXXX XXXX XXXX payment ) as well as refunding the late fee XXXX XXXX XXXX XXXX charged to my account. Documents included in the submission will also show a snapshot of my XXXX report showing an excellent payment history ( no delinquency ) with this lender, XXXX XXXX XXXX XXXX, as well as XXXX XXXX XXXX statements reflecting those payment corrections within a timely manner after the issue was identified for that time frame.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43725
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Problem with customer service
Subissue:
Consumer Complaint: In XX/XX/2021 I deposited a money order in the amount of {$490.00} into my business account at Navy Federal Credit Union in XXXX, SC. XX/XX/2021, I received a letter from navy federal saying my money order was returned. I then called XXXX XXXX to see what the problem was. XXXX XXXX told me my money order was cashed because I deposited into my account already. I was charged an overdraft fee because of it as well. Navy federal keeps responding with refer to make and when I do nothing is being done. I am getting very frustrated.
Company Response: Company believes complaint is the result of an isolated error
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXXXXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Thes are links to the emails that I am receiving. I already alerted my credit union of these and they told me to treat these as scam. Each one of these are giving information for a deposit, amounts, reference numbers, and other data. You may need to look into this. Also, I am receiving text messages. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75181
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Navy Federal Credit Union What its going on is they will determine how much I overdrawn at the same time leave the account with money in it help me believe in that money is in account wait till all the charges occur then charge me an overdrive fee This is a rear current incident my direct deposit goes to the bank so they know exactly when to take the money out this incident occurs every other week
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A