Date Received: 2021-09-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21804
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2017 with a balance of {$17000.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NAVY FEDERAL CREDIT UNION reflects a billing error. The payment coupon sent to me shows a positive amount being owed to me. The payment coupon shows a credit balance of {$20000.00} and available credit of {$4300.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: on XX/XX/XXXX NAVY FEDERAL CREDIT UNION committed fraud freezing my account the amount of XXXX on the behalf of a non government officials child support enforcement agency which is a debt collection agency i contacted NAVY FEDERAL multiple times in regards of my account i told them this anti money laundering they are committing pursuant to 18 usc 1956 all they did was give me a number to call the agency to set up payment with them this is considered racketeer influenced and corrupt organization because ether of the companys can provide me any contract about this alleged debt Navy federal is completely liable for the garnishment of my property i also intend to notify the federal trade commission as well check attachment of deceptive form pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
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: I have disputed with XXXX about a credit account that was removed from credit report. I have contacted the business that is placing the account on credit report every month. Navy Federal credit union has reported the account since XX/XX/XXXX and it was removed for some reason in XX/XX/XXXX by mistake.The creditor has recently reported the account 2 times since i reported the mistaken removal.I have contacted XXXX about the problem for them to tell me to keep disputing it with Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XX/XX/2012, I co signed a loan for around {$12000.00}. I was only XXXXyears old. I has absolutely no idea a lot responsibility. The last 9 years of my life has been a struggle for me financially and credit wise. I have been trying to restore and rebuild my credit. I have not had any contact with the owner of the car in 9 years. He refused to pay the loan off. I feel that i shouldnt have to suffer any more. Its been 9 years and I still have not been able to eatablish a good credit report. Navy federal keeps updating it which makes it worse for me. Im a single mother. Im asking for a deletion please. I also have a car loan that was opened around XX/XX/2012 for around {$10000.00}. Which has also been charged off for over 8 years. Again I was so young, I wish that I would have been more responsible to knowing these types of things. Both of these accounts have new charged off for years. I recently was added as an authorized user on my husbands navy federal credit card whom has nothing to do with my past history. Navy federal closed his accounts because of my old charge offs which was not fair to my husband at all because he has no knowledge
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I feel that Navy Federal Credit Union maybe be acting unlawfully please see attachments for more information
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021, I made an international cash transfer using XXXX XXXX but through my Navy Federal Credit Union account. The amount was {$3600.00}. For some reason that was never disclosed to me, the transaction was canceled by XXXX XXXX. At the time XXXX XXXX told me that I had to wait up to 12 weeks in order to get my money back. The 12 weeks elapsed on XX/XX/2021. Several times, I contacted XXXX XXXX and Navy Federal Credit Union in order to get my money back. So far, nobody has been able to tell me where is my money and how to get it back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX To : Consumer Financial Protection Bureau Subject : Consumer complaint against Navy Federal Credit Union Mortgage Loan Department Dear Representative, My name is XXXX XXXX and I am the buyer/complainant initiating a formal complaint against Navy Federal Credit Union for the mishandling and loss opportunity to purchase a house through a VA Mortgage due to negligence and incompetence by the loan processing team at Navy Federal Credit Union XXXX I started the process for this loan back in XXXX of this year. On XX/XX/XXXX the seller and I consummated a purchase agreement for a property with the address XXXX XXXX XXXX in XXXX, MI XXXX. My closing was set for XX/XX/XXXX initially and was delayed until XX/XX/XXXX for consideration of utilizing an energy conservation improvement benefit allowed by the XXXX XXXX Mortgage Department. On XX/XX/XXXX I received the final closing disclosure from Navy Federal Credit Union and my monetary obligation to bring to the closing on XX/XX/XXXX was {$4700.00}, which was approximately {$800.00} higher than my initial closing disclosure estimate that was based on a projected cost for homeowners insurance of {$970.00}. The insurance I purchased cost {$1600.00} and this I assumed was the reason for the increase. I signed the final closing disclosure and emailed confirmation to the mortgage processor, XXXX XXXX XXXX as he had instructed. On XX/XX/XXXX after arriving home from work at approximately XXXX XXXX, I prepared to meet my realtor to do a final walk thru of the property at XXXX XXXX. Prior to leaving home, I checked my email inbox and saw an email from my lender instructing me to check the site to review a document. I went to the site and opened the document and it was another final closing disclosure that showed my closing fee obligation had increased by approximately {$5000.00}. I called the Mortgage Processor but he wasnt available. I called the loan originator, XXXX XXXX and he wasnt initially aware of the increase so he reached out to his superiors to find out the reason for the increase. He conveyed to me that the increase was caused by taxes that are required to be paid a year in advance in the county of the residence. At that point my question to him was whose responsibility was it to inform me of this information prior to final closing disclosure? He replied that it was my realtors responsibility. So when I met my realtor at the walk thru, I told her the situation. The next day, XX/XX/XXXX my realtor contacted me via conference call with her broker on the line and he explained that it was not their responsibility to inform me of the closing cost obligation and that it was the lenders obligation. I was uncertain as to who was telling me accurate information so I contacted the VA mortgage department and asked them for clarity. The representative told me that it was not the realtors responsibility at all but it was indeed the lenders responsibility. So, I told my realtor that I didnt have the additional funds to close and she stated that I would need to get a denial letter from my lender or I would be in jeopardy of losing my earnest money deposit of {$4000.00}. I contacted my loan originator at XXXX XXXX and he, after conferring with his superior, began to coerce me into taking out a small loan to secure the additional funds required for closing. I responded by telling him that I was informed in the past that it was illegal to take out a loan to secure another loan and he replied that in this case an exception to the rule would be allowed and at the very least a denial letter would be attained if my debt to income ratio was exceeded by doing so. I told him that I wasnt willing to do that. Then he asked if I could get a gift letter from someone for the additional funds and I responded negatively. He then said that he would put in a withdrawal but not a denial letter and I knew that would most certainly jeopardize my deposit. I never told him that VA had told me that the mistake or negligence was their fault. Shortly after that, I received another call from the loan originator and he stated that he had emailed me the denial letter. When I opened the letter it states that I was denied for insufficient funds. I sent that document to my realtor and signed a mutual purchase agreement release. The seller has not signed the release at the time of this letter. The VA Addendum protects me from losing my earnest deposit and the cashiers check I provided is in the possession of my real estate company who hasnt refunded it to me yet. I am filing this complaint with your office because I feel that my lender was negligent and deceitful in processing my loan that inevitably caused me to lose the opportunity to purchase a home and jeopardized my earnest money deposit and forfeited my appraisal fee! In addition to that, my realtors integrity was wrongly slandered and her commission was forfeited unjustly. I am requesting that an investigation into this situation be conducted and that a resolution be rendered making my realtor and I whole by requiring Navy Federal to return my earnest money deposit of {$4000.00} and appraisal fee of {$520.00} as well as my realtors commission that was earned if not for the Navy Federals negligence and or incompetence! I will upload documents to support my contentions as required. Thank you for your diligence in processing my complaint! Regards, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I contacted the IRS via telephone regarding nonreceipt of my first stimulus payment. I was advised by the IRS they would have to do a tracer on the funds and would notify me. On XX/XX/XXXX, I received a letter from the IRS stating on XX/XX/XXXX an Economic Impact Payment ( EIP ) totaling {$1200.00} was deposited into an account XXXX at Navy Federal Credit Union ( NFCU ). Additionally, on XX/XX/XXXX a second EIP totaling {$600.00} was deposited into the same account. I was advised by IRS to contact NFCU referring to the above referenced account number. I made several telephone inquiries to resolve this matter with NFCU to no avail. On XX/XX/XXXX, I visited NFCU branch office in XXXX, Illinois and spoke with XXXX XXXX, Assistant Manager. XXXX XXXX verified the account number provided by the IRS belonged to another NFCU member and the EIP funds for the dates above were also verified as being deposited into this member 's account. Furthermore, XXXX XXXX stated this member 's account has been frozen however, in order to receive my EIP funds NFCU needed a " Letter of Indemnity '' from the IRS. I contacted IRS via telephone and in person on XX/XX/XXXX and both representatives have " no '' knowledge of a " Letter of Indemnity. '' I returned ( XX/XX/XXXX ) to the NFCU branch office and attempted to speak with XXXX XXXX. Since he was busy with an audit, he advised the lobby representative who waited on me to type a letter to me stating NFCU findings and in order to resolve this issue a " Letter of Indemnity '' is needed from the IRS. I have documentation from the IRS supporting my initial inquiry and the letter from NFCU acknowledging they " did not '' verify the ACH EIP payments prior to depositing them into the wrong member account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A