Date Received: 2022-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I sent a electronic transfer to XXXX XXXXk I sent payment to the wrong account number. Once I realized it I called for a reversal. Ive waiting for Navy to send reversal and nothing has happened as of yet. I explained to navy Federal that of investigation process takes over 10 days which it has I should be provided provisional credit ( they said they couldnt ) I also informed them that under the EFTA it protects the consumer and Im only responsible for 50.00. Im still waiting for my funds to be refunding. After speaking to XXXX she states that she couldnt give me provisional credit I am aware under the EFTA ACT was passed by Congress in XXXX my XXXX XXXXr this act protects diners with electronic transfers. Navy Federal has not following this law. I have also submitted complaints with the FTC. CURRENCY COMPTROLLER. XXXX XXXX XXXX FDIC Please help Since Im here Ill mention that my credit card is not open ended and by law it should be please check into that too.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Ive tried calling and talking to multiple employers, and all of them gave me the same answer. NFCU Has stated to me that funds was on hold on my account ( which was taking off of my available balance ) and was dropped off and put back into my available balance. But I never seen the available balance go up. I was checking my account everyday. I was transferred to a supervisior. Which she stated to me that the funds was released into my account on the day that I checked it. And there was no additional funds added to my account. I also asked her where did she she that can she send it to me. She stated that it was basically assuming because it take 3 days and the funds will be released. She also asked me do I have proof of the funds deducted. I have a text that my funds was deducted. But they do not have proof that my funds was added back into my account. I was checking my account everyday, and I never seen my available balance go up. All text messages that says XXXX XXXX never was released back into my account. It was approved meaning it was deducted out of my account and I looked and made sure it was deducted. No where on my statement it says its been added to my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have sent certified letters to NFCU on XX/XX/2021 and i have on numerous occasions submitted complaints with CFPB about this same issue over a year now regarding the unauthorized reporting of the negative payment history being reported on my consumer report. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) which states that The Congress has found the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. NAVY FEDERAL CREDIT UNION has violated my right to privacy and this statue by reporting the payment history information of this tradeline account to the consumer reporting agencies. The Congress said transactions or experiences should remain between the consumer ME and the person NAVY FEDERAL CREDIT UNION thereby making the reporting of this accounts payment transactional history inaccurate. Pursuant to 15 U.S. Code 1681a ( b ) ( 1 ) NAVY FEDERAL CREDIT UNION has injured my credit worthiness, credit standing, credit capacity, character, personal characteristics, and has caused me mental anguish as you have violated my consumer right to privacy and damaged my reputation ;
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18974
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Navy Federal Mortgage Loan XXXX To Whom It May Concern, We are highly saddened by the decision Navy Federal has rendered regarding our Mortgage Home Loan. The main reasons for denial according to the letter were ( 1 ) UNABLE TO VERIFY INCOME, ( 2 ) Excessive obligations in relation to income. We are at a total loss for words about this because the loan was Conditionally Approved in XX/XX/XXXX, you can not Conditionally Approve someone without verifying their income! Also, our combined income is over $ XXXX. We have one ( 1 ) car payment for {$830.00} and around {$610.00} in credit card payments We also have Rental Property that we provided documentation that adds an additional roughly $ XXXX or more, which offset the above reason for denial. We appealed a decision by Navy Federal Home Loan in XX/XX/XXXX for reasons that were unfounded and in my opinion, DISCRIMINATORY based on race. The decision was reversed and we proceeded with the loan process thereafter. What transpired next is four ( 4 ) months of indescribable incompetence and foul treatment from a cornerstone American financial institution Ive ever witnessed! We were given four ( 4 ) different closings dates and not one time did anyone from Navy Federal contact the attorneys to reschedule, sending my wife and I emails two days before the date to cancel! now, we receive this letter a day and a half BEFORE CLOSING, IS DESPICABLE! We understand the process of underwriting but for ( 4 ) months the information requested was redundant and appeared as if they were searching for reasons to deny rather than assist in approving the loan. As upsetting as it became we supplied the information in a timely manner. During this time the sellers of the home endured many financial struggles as well. When we provided the approval and conditional approval, the sellers were embolden to take the home off the market, while still paying mortgage on another home and all utilities on the home in XXXX, NC, Losing out on potential buyers for over four ( 4 ) months! We also had to suffer through the anxiety of everything a loan process brings, but ten fold! Weve lost thousands of dollars in earnest money and all the other fees associated with the process, and are literally XXXX at the moment and frantically searching for a PLACE TO LIVE BECAUSE WE DID NOT RENEW OUR CURRENT LEASE AFTER RECEIVING THE POSITIVE NEWS OF CLOSING! We have done EVERYTHING possible. Is it money? No we make more than enough. Is it credit? No our rating range is XXXX. Is it assets? No, we have over $ XXXX between the two of us in our regular checking accounts, and retirement accounts over $ XXXX. Lenders have an absolute right to disqualify applicants who do not meet their requirements. However, the reason must be justifiable and undeniable in facts! .Our case can only be viewed as a CLEAR case of injustice in the highest order. Aside from past issues ( over 7-8 years ago ), we have been model candidates for lenders, good stable jobs, longevity, more than sufficient income, credit scores between XXXX, cash on hand, and savings! Navy Federal XXXX stipulated they couldnt verify income, and ITMm presuming theyre referring to the investment property? If thats the case, we began renting out the property in XX/XX/XXXX for {$2700.00} per month and reduced the payment to {$2500.00} when Covid-19 hit a year later. We gave you the addendum because after the initial ( Full Page ) lease agreement, that is customary! If you wanted to see the original agreement signed in XXXX WE COULD HAVE SUPPLIED IT, but you never asked. I reference this because you ( Navy Federal ) asked why is it ( the addendum ) only one page! As if were making this up!! You requested two years of our schedule E taxes and we gave you year XXXX and you oddly asked for XXXX? We did not rent out the property until XXXX! Secondly, the fiscal year XXXX has just ended and we can now file and have that 2nd document ( Scheduled E ). However, the another form of verification of funds is through the Bank Statements we provided which clearly shows the payment history EACH MONTH OF {$2500.00} FOR THE PAST YEAR!! They didnt verify because THEY SIMPLY DID NOT WANT TO APPROVE THE LOAN and tried to find every reason NOT to based on the absurdity in the redundancy documents requests! If its none of the aforementioned what are we left with? We will seek counsel and report this to the FTC, HUD, and other agencies to protect our rights for we have suffered financially and emotionally during this period. cc hud.gov consumer.ftc.gov justice.gov
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27540
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to non-affiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for NAVY FEDERAL CREDIT UNION to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Problem with customer service
Subissue:
Consumer Complaint: Navy Federal Credit Union [ NFCU ] Service CS Call Center and XXXX XXXX XXXX XXXX the P0lice me last yr ... XXXX XXXX XXXX yr member, based 0n their mistake 0n the XXXXXXXX XXXXJan XXXX, XXXXNavy Federal officials agreed to the settlement without admitting or denying the allegations, according to the consent order. Officials said earlier in a statement that " where our collection practices have come up short in the Consumer Financial Protection Bureau 's estimation, we have made all the necessary changes. We have cooperated with the CFPB throughout the process. '' XXXX XXXX covers military families, quality of life and consumer issues for XXXX XXXX. She can be reached at XXXX Your Message XX/XX/2022 : Please as well listen t0 the calls I have had wi y0ur CS Reps this past week, they are deplorable as this CU has bec0me t the Mil C0mmunity fr te past 15 yrs since XXXX XXXX has been in charge please g0 back t having a XXXX XXXX XXXXXXXX fr0m the XXXX XXXX the XXXX as being the XXXX XXXX XXXX member ... L00k at the NFCU Bl0g 0f complaints about y0ur service t0 it members... and please fix the time 0ut cl0ck while we a typing i this msg applicati0n ... its t0 quick! N0t given us en0ugh time and it de0snt save allw0wig us t c0me back and finnish ... these are the things y0u sh0uld be give attention... NFCU Navy Federal XXXX XX/XX/2022 : Thank you for using Navy Federal 's eMessaging Service. We have received your appeal and have forwarded this information to start the appeal process. Once this has been assigned, it can take up to XXXX business days for a decision. If you have further questions, please call XXXX. Thank you. Your Message XX/XX/2022 : XXXX XXXX and XXXX XXXX, thank you so very much for your assistance and support with this process and this matter, much appreciated. No matter what the outcome, you have assisted me 100 % with this Veteran / SC 100 % with this process of a Business Vehicle loan... Thank you both and the NFCU ; XXXX XXXX and her staff sh0uld acknowledged y0u tw0 as well as XXXX XXXX / Early MoRNING Suvp ... and XXXX, and XXXX { See my acc0unt NFCU C0ntact with C0mmercial - C0nsumer and the Business side 0f the { NFCU H0USE }, these individuals sh0uld be commended by their senior Management. As I matriculate thr0ugh this very uncaring and very flawed / failed NFCU system that I have seen change in the past 15 yrs, t0 this Credit Uni0n that 0nce I0ved in the first XXXX yrs 0f my membership XXXX XXXX, and staff. T0day I despise having t0 interact with, 0n any 0 ccassi0n. But this week there were exceptions with this individuals ab0ve, they st00d 0ut and helped and assisted this veteran 100 % XXXX / { XXXX } suffering like many veterans, verse barring me fr0m the XXXX XXXX XXXX, calling the police on me like the Manager there did we get up in my face while I was speaking with the assistant mgr whom I had worked with about this ck that was nt cashable due t the back f the ck being already franked with anther members inf0rmati0n, and I was unable t0 cash at XXXX XXXX when I XXXX00k it there t0 be cashed. This was a mistake 0f NFCU n0t XXXX XXXX resulting in me being barred, y0u never l00ked at the camera and saw what she did, and y0u 0nly blamed me, this lady mgr had been c0nf0rting me bef0re as I stated, t0 y0u In my reply ab0ut this XXXX XXXX and y0u ignored my response. Due t0 my XXXX and XXXX condition being triggered when she g0t up in my face triggered my XXXX, and I replied t0 her t0 stepback... she t0ld the assistant manager { XXXX XXXX man } t0 call the p0lice... The P0lice assisted me with getting me a new ck drafted ... Als0, I seek damages fr0m y0u NFCU f0r the embarrassment, and the psy triggering and pain and suffering f0r 0ver 2 yrs ... 0f this Vet my XXXX as a VA SC Vet XXXX XXXX XXXX exasperated and aggravated ... based 0n this incident was caused by y0ur staff, failures in check / draft and I w0uld like y0u t0 f0rmmerly address this issue in writing about the incident, which may lead to litigation and c0urt arbitration for damages t0 this Veteran / Patient being a XXXX yr member at NFCU, y0u failed to acknowledge my disability.. That I have sent to you via upl0nd email and Message system, and you still continue to bar me fire incident and in the telpher c0nversati0n I have gah with yu failures of the staff Customer service files that are ply trained some of them. And you blame me for their pr traig based in what I have leaded in XXXX yrs to expect in service and for the last XXXX yrs haven't received by this NFCU, y0u created this expectation and y0u was you that nallwe yu staff t slip ibt his tsh less than expeditii serve level and I react and respond to may a lil tmch wwe t the XXXX triggering when they speak with me unprofessionalism.. I didn't Curse at her 0r use Profane language.. I just asked her t0 stepped back 3 feet and that she was in my z0ne... Please l00k into this as well in removing my restrictions t0 enter a Branch. Thank y0u XXXX XXXX. I am again citing these issues of concern NFCU! XXXX XXXX Follow Up Message : * This is my c0mplaint that I am making y0u NFCU aware 0f n this date based 0n y0ur Fraudulent activity with respect t0 this article, I will as well be c0ntacting the the bel0w with regards.. : This is what y0u d0 t0 Us in 0ur c0mmunity, 0f th0se that Served and Sacrficed their lives and y0u cheat Us ... as y0u have with me in denying me access and calling the p0lice me and y0u sh0uld be awarding me damages... f0r y0ur wrg ding ad that f this manager whis y0u had t see it the cameras ... as well heard h0w y0ur CS Call center folks have sp0ke with me 0n the ph0ne back then as well as w..please pull the calls ... and Think you're eligible for part of the Navy Federal Credit Union {$23.00} million settlement affecting hundreds of thousands of customers? If you are, you should be hearing from NFCU soon. " Consumers should know that Navy Federal Credit Union will contact you if you are eligible for compensation under the consent order, " said XXXX XXXX, a spokeswoman for the Consumer Financial Protection Bureau, the federal agency that investigated the credit union 's allegedly deceptive debt-collection practices. Some consumers have contacted XXXX XXXX with questions about who to contact for information about whether they might qualify for compensation. If you believe you've been overlooked, you can contact the credit union at XXXX, NFCU spokesman XXXX XXXX said, or file a complaint with the Consumer Financial Protection Bureau at XXXX, according to XXXX. The Consumer Financial Protection Bureau alleged that the credit union misled its members about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning, affecting hundreds of thousands of people. In addition to the {$23.00} million in compensation to consumers, the credit union must correct its collection practices and pay {$5.00} million to the CFPB civil penalty fund. Navy Federal officials agreed to the settlement without admitting or denying the allegations, according to the consent order. Officials said earlier in a statement that " where our collection practices have come up short in the Consumer Financial Protection Bureau 's estimation, we have made all the necessary changes. We have cooperated with the CFPB throughout the process. '' XXXX XXXX covers military families, quality of life and consumer issues for XXXX XXXX. She can be reached at XXXX XXXX WE READ WE EXCEED EXPECTATION ... .. BUY A BOOK TODAY!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am a XXXX XXXX, in XXXX and XXXX I informed Navy Federal Credit Union of financial hardships of having a XXXX while XXXX to XXXX. My finances were really messed up and I wanted to utilize the hardship insurance that was combined with the credit card fee. Navy Federal refused to provide the assistance and charged over the mandatory 6 % interest cap for uniformed service members in a combat zone. I had a credit card and auto loan through this worthless cooperation and they lied and said they can't prove i paid insurance. Here it is XXXX and Navy Federal has me on a denial list because of the wrongful interest they charged that got the account up to $ XXXX. I paid what i could on the account and Navy feral failed to adhere to the SCRA and a contractual agreement for hardship which they charged for every month. If they can't prove i did or did not have hardship insurance how come they can lie and put multiple charge off claims. As a XXXX male with a low credit score back then i had to pay the insurance fee it wasn't optional... it is criminal to treat people that served this nation over 20 years like this. NFCU is a corrupt organization that takes advantage of XXXX servicemembers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79924
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Navy Federal Credit Union has been very unprofessional to me. The account was opened in XX/XX/2020. And a XXXX loan was obtained with, and deposited in, it. The account was immediately restricted and I was denied access for 30 days due to suspicious/fraudulent activity. I was accused of being part of some group that scammed NFCU based on both my work computer and personal cellphone hardware ID. Their security department told me its not your money anywayyou cant do business with us because you defrauded us in the past. After 30 days of providing everything they requested, they eventually released the restriction. However the investment opportunity for which I obtained the loan was lost. Today, I received a text and email of suspicious activity on my account and yet again, my access to the account is blocked. The text and email express the urgency to contact XXXX XXXX immediately, which I did. Only to be told that the Security Department is closed on Sundays, and doesnt open on Holidays ( XXXX ). So, Ill need to call back on Tuesday. So I wont have access to my account/money for 48+ hours. If this was my only account, I would be completely helpless and left with zero financial means. This is unacceptable and a very poor way to treat consumers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I the consumer and original creditor entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021 in which a finance charge took place ( # XXXX ) for {$58000.00}. This finance charge did not include the sum of all charges because I am billed every month for car insurance and was also forced to make a down payment which is also illegal and a clear violation of usc 15 code 1605 as stated by Congress. Navy Federal also failed to disclose my right to recission which or promissory note which violates usc 15 1635. I exercise my right to cease and desist pursuant use 15 1692c As the consumer I would like to request the name and address of the ORIGINAL creditor pursuant 15 usc 1692g ( b ). Navy Federal Credit Union shall cease collection of this alleged debt, or any disputed portion thereof until Navy Federal Credit Union : Obtains verification of the " alleged debt, '' verification of the name and address of the original creditor, and a copy of such verification is mailed to me by NAVY FEDERAL CREDIT UNION. This in NOT a request for " verification '' or proof, but a request for VALIDATION made pursuant to the above-named Title Section by LAW. Navy Federal is criminally ( usc 15 1693 ) and civilly ( usc 1611,1640 ) liable for double the amount financed and are liable to each FDCPA violation. Due to their unfairness and vital role in illegal activities, this has caused damage to my reputation and character. I am seeking remedy and would like to remit payments on all violations and illegal activities! I am also demanding that this " alleged debt '' be removed from all XXXX of my credit reports as it show inaccurate and untrue information that I never gave them permission to give away ( another violation ), By LAW, I am entitled to privacy. I will not hesitate to bring legal action against you and your client for violating the FCRA, FDCPA, TILA, and for Defamation of Character. If any accounts are frozen or closed for exercising my rights as a consumer and original creditor I will hesitate to bring legal action against you and/or your clients for violation of the FCRA, FDCPA, TILA, and for Defamation of Character. I require no more than 30 days to investigate this information, during which time all collection activity must cease and desist.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98072
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/21 I got a loan estimate with a {$730.00} cash to close. The loan was locked on a 2 % rate. Then, on XX/XX/21 my loan estimate is updated to a {$5700.00} cash to close. And they added a 1.125 % loan amount for points. All of this was done with no change in circumstances. After asking for the manager it was corrected. However, it was very unprofessional to change my figures and hope I don't know any better. I hope others don't have this same issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A