Date Received: 2021-08-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied to cash reward through Navy Federal credit Union and I was looking for a balance transfer promotion, on a phone conversation with a navy federal agent I was told if I would to do a product change to the platinum credit card I would be able to enjoy a 12 months and 0 % balance transfer promotion forward 2 weeks I'm calling in to find out if the promotion is attached to my card after the past 48 hours I spent to do balance transfers from different institutions and I'm finding that I'm not entitled to it because I did the product change and not and new application and that was not disclosed to me when she was selling and pitching the product change I'm feeling deceived and it's hurting me financially.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23233
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was a victim of a scam when the fraud dept called I was told the transaction was blocked I agreed to stop the payment to allow for an investigation, they told me it was stopped, the scammer told me it was not received and blocked. the money has never been returned to the account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98370
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I need my card to be activated today! I have been extremely inconvenienced! I have been hung up on multiple times by XXXX. I have been put on EXORBITANTLY LONG WAIT TIMES just to be HUNG UP ON by the NAVY FEDERAL REPRESENTATIVES! The supervisor, XXXX, DID NOT listen to me as a valued customer! I was told that my card would be temporarily activated by a specialist named, XXXX. Then I was transferred to XXXX, who put the restriction on my card! XXXX, then said I will have to wait 24-48hours for it to my email to be reviewed!! How am I suppose to eat without having access to my debit card!! I am extremely upset and dissatisfied with Navy Federal Credit Unions customer service!! I will submit the letter! However, I need my card today!! This is ridiculously unforeseen circumstances!! I have been banking with Navy federal for years and this is my first experience be so neglected by this company that is suppose to be for service members and their families!! How can this issue be resolved? I am requesting XXXX, the Supervisor, be put under investigation!! I spoke to XXXX, XXXX, XXXX, and XXXX! Who all neglected me as Navy Federal Customer!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Navy Federal Credit Union is supposed to protect the monies of veterans and their families however they have been holding over {$100.00} of my money for over a month! When calling I have been treated rudely, unprofessionally, hung up on and interrogated and accused like i was a criminal. I did receive a voicemail from a lady " XXXX '' ( ph # XXXX XXXX ) and although my situation is URGENT, she stated she would send me a letter. How long does that take? As a Veteran currently suffering fron XXXX, XXXX XXXX, and homelessness i would expect Navy Federal Credit Union to be more considerate and compassionate plus respectful!. I need Help! i need my money! Talking the Navy Federal Phone reps have set me back emotionally, psychologically, and i had to go to the hospital for 3 days to try to recover from the experience, Is this how you do Veterans Navy Federal Credit Union? Unacceptable!. PLEASE ... release my money today so i can continue to focus on my life ... I need help! XXXX XXXX XXXX disputed fee XXXX double charge XXXX XXXX never got food disputed fee XXXX XXXX XXXX unauthorized charge dispited fee XXXX XXXX XXXX fraudulent charge XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Since I opened my new account, someone has hacked my account making or reproducing similar transactions depleting my account. XXXX transaction in particular will validate this statement, and many others. Someone has illegally wire tapped my home Hacked our internet, computer, and cell phones. Getting into bank accounts and IRS XXXX, child tax credit, and income tax returns. Delaying them since XXXX. I did not receive what I was suppose to receive. I believe law enforcement retaliation and the owner of this home I rent are involved in this fraudulent abuse, which includes sheriffs departments, police departments, the management facility XXXX XXXX, and XXXX XXXX who is owner of the home. I believe and have evidence she has accessed my XXXX account for XXXX Florida and is trying to receive that money and have me evicted. That money is suppose to help my children and I.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have finished writing my complaint against NFCU denying my dispute claim. My name is XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX I have already downloaded / attached 40 documents I got cut off. My NFCU XXXX XXXX XXXX was lost 2 days ago, and requested a new card thru the NFCU Branch in XXXX. XXXX, VA .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Navy Federal credit union is under fbi investigation for crimes against me for hacking per agent # XXXX with the national threat operations center. Cease all INCOMING CONTACT WITH NAVY AND DO CONTACT THEM. UNABLE TO ACCESS OPEN ACCOUNTS LOANS SAVINGS CHECKING CREDIT CARD. BANNED FROM BRANCHES AND CALLING IN BUT NOT APP PER XXXX XXXX CA BRANCH ASSISTANT SUPERVISOR XXXX AFTER 1 HR OF ME BEING IN BRANCH USED MY ID TO VERIFY ME KICKED ME OUT NOTHING IN WRITING WOULDN'T PROVIDE LETTER. KICKED ME OUT AN HOUR IN AS XXXX XXXX AND MY CAREGIVER UNDER ADA. AGENT XXXX STATES THE OFFICE OF THE CONTROLLER OF THE CURRENCY TO INVESTIGATE NAVY FED CREDIT UNION FOR SYSTEMICALLY DISCRIMINATING AGAINST ME AT THE LOWEST LEVEL TO EXECUTIVE CASE MANAGER FOR UNFAIR LENDING PRACTICES BASED ON AGE SEX DISABILITY ECONOMIC BACKGROUND RACE. I HAVE ACTIVE LOAN CHECKING SAVINGS CREDIT CARD W NAVY THEM CAN'T ACCESS ACCOUNT ONLINE. INCIDENT REPORT TAKEN FROM XXXX XXXX CA POLICE OFFICERS # XXXX # XXXX XX/XX/21 INCIDENT # XXXX NO DETECTIVE CALLED NO WATCH COMMANDER CRIMES STILL HAPPENING HELP
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I took a forbearance with Navy Federal Credit Union Mortgage ( Navy Federal ) for about six months when I was offered the option during COVID. At the time, I completed all the necessary paperwork for the forbearance and was given instructions that I could not sell nor refinance my home without it being paid in full. It was my understanding that I would not be penalized for the forbearance and that it would be tacked on to the end of the loan. I was also told numerous times by a Navy Federal representative that I would not be penalized for the forbearance because my account had been in good standing and was always paid on time. Three months after the forbearance, I noticed when going to my account on-line that the total amount due included three months of the forbearance amount. The Navy Federal website indicated that I owed XXXX XXXX dollars and it was reported as such to the credit reporting agencies. When I contacted Navy Federal about this issue, it was corrected. I was told that it was a glitch in the system. I resumed my normal payment about four months ago and began paying on time with no problems. Suddenly, I went to make the XX/XX/2021 payment and the Navy Federal website had me owing XXXX XXXX dollars. The website stated that the total amount of the forbearance was due when I opted to have it applied to the end of the loan. In addition, my credit score went down by 30 points due to what had been reported by Navy Federal to XXXX. The reporting agency stated it was Navy Federal mortgage that had it reported it. It appeared when looking at the credit agency report that I had taken out some type of additional loan for the forbearance amount like refinancing. It was untrue from Navy Federal that I would not be penalized for the forbearance. I was punished for taking the forbearance with my credit score being lowered. In addition, when I contacted Navy Federal on XX/XX/2021 about this issue, I was told that I signed a partial claim. Please note that I was passed from person to person and on the telephone and spent more than an hour trying to resolve my concern. It should also be noted that I had no understanding of what a partial claim meant and believed that I needed to be signed the document to have the forbearance amount added to the end of the loan. The forbearance process by Navy Federal was misleading and I certainly had no idea that my credit score would be impacted by lowering it 30 points. Finally, I spoke with Mr. XXXX XXXX of Navy Federal, and he explained what transpired. Yes, COVID had an impact on everything including me and I was very disappointed in how Navy Federal reported my mortgage to the credit bureaus. Navy Federal blamed it on XXXX, but the credit bureau stated they reported it. Navy Federal misrepresented to me what would transpire with the forbearance at the onset. If I had known that I would have been impacted with a lower credit score of 30 points, then I would have tried to get an extra job during COVID to pay the mortgage. So, I feel misled by Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/21 I called Navy Federal to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties. A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am writing you today because of all my concerns about the documents we were required to sign during the closing of our VA IRRL ( Interest Rate Reduction Loan ) REFINANCING WITH NAVY FEDERAL CREDIT UNION ( NFCU ) on XX/XX/XXXX. Our original loan ( VA Loan # XXXX ) with NFCU was originated in XXXX with a VA 30-Year FIXED TERM mortgage at 3.75 % for the amount {$170000.00}. Through the years that we had our loan with NFCU, we never faltered in our monthly payments. Our monthly payment was automatically deducted from our bank account with NFCU. We decided to refinance our mortgage with our existing lender ( NFCU ) on XX/XX/XXXX to lower our monthly payments. We also plan to pay additional amount every month towards the principal in order to pay off the loan more quickly. It took NFCU to process our application for refinancing from XX/XX/XXXX, XXXX XXXX, XXXX from start to closing. On XX/XX/XXXX, an Agent from XXXX XXXX called to schedule the date and time for the closing of our refinancing. We agreed to schedule the closing on XX/XX/XXXX at XXXX pm be done inside the NFCU -XXXX XXXX XXXX. Even during the process of our application for this refinancing, I have repeatedly made clear to the loan closing need to have the closing done inside the bank and that documents need to be provided ahead of time so we could review the documents before going to the closing table. Agent said she will arrange the schedule with the bank and that she will let us know. Still with no advance copy of the closing documents I followed up on it. I was informed that the only document they can send in advance is just the Closing Disclosure ( Settlement Disclosure ) and that the other documents will only be provided to us only on the the closing date and time as scheduled. I called on XX/XX/XXXX to follow-up the status of our closing and the settlement agent informed us that we were scheduled to sign the closing documents at XXXX XXXX and that he will send the Notary Service to our house. I was then informed that NFCU-XXXX XXXX can not accommodate the closing process due to covid restrictions. That same day around XXXX XXXX, we received an email from the settlement agent containing the UNSECURED AND UNENCRYPTED 142-PAGE LOAN DISCLOSURES DOCUMENTS. I then called the Closing agent, XXXX, to reschedule the closing appointment because we did not have the chance to review them and that I repeatedly requested to have the documents sent to us ahead of time. Again, I was told that they can only provide those documents only on the closing date and that the only documents we can sign are the ones that are handcarried by the Notary Service. WE wanted to cancel the appointment but I was informed that if we cancel our appointment and because notary service is already on her way, we will be charged additional fees. Since we dont have any option, I then requested to move the closing time at XXXX XXXX on the same day, XX/XX/XXXX. We just entrusted that Navy Federal Credit Union will do the right thing for us. The Notary Service, XXXX XXXX, came in the house at around XXXX XXXX XX/XX/XXXX with all the documents not ready for signing. She was collating the documents while she required us to sign as she compiled the documents. We were rushed to sign the documents because according to her she has to mail the documents before XXXX closes for the end of the day and that she also has an appointment for a choir practice. She was rushing and we felt that we were under duress during the signing of documents. As soon as the documents were signed, she collectedthe signed documents and then left us the the other documents and head out the door. She did not agree to our request to have the documents sealed inside the envelope infront of us. I just FROZE looking at her going out the door with all our signed documents. Considering that we are just streamlining an existing mortgage loan with the same lender ( NFCU ), we trusted them that they will process our refinance application more quickly with honesty, integrity, less closing costs involved, and less complications. After the closing process, I read and compared it with the documents of our previous mortgage with them and Ive encountered lots of RED FLAGS that bothered me for the past few weeks. AND YES! IVE BEEN CALLING EVERYDAY BECAUSE THERE WERE NO SUPERVISORS NOT EVEN THE PROCESSOR TO RETURN MY CALLS TO CLARIFY MY CONCERNS, NOT EVEN NFCUs 24- REPRESENTATIVES I SPOKE WITH SINCE WE SIGNED THE DOCUMENTS CAN NOT ANSWER MY CONCERNS. REPS STATED THAT THEY WILL RELAY THE MESSAGE TO A SUPERVISOR OR ANYONE FROM THE PROCESSORS TEAM WHO WILL RETURN MY CALL. I just want to know if these are the standard procedures when securing a 30-YEAR FIXED VA IRRL MORTGAGE LOAN WITH THE SAME LENDER? And the documents that we were required to sign for closing were those prepared by NFCU ( the lender ) or Navy Federal Title Services ( NFTS ) or is it Champion Title Services ( their settlement agent ). RED FLAG 1 : On the NOTE ( Please Refer to ATTACHMENT 1 ), why are there 2 UNIFORMED STATEMENT DISCLOSURES with different terms added to the original verbiage that NFCU added//slithered. We did not apply for cash out nor 2nd mortgage nor reverse mortgage. We applied for VA IRRL Refinancing with NFCU AS THE HOLDER OF OUR PREVIOUS LOAN THAT WE ACQUIRED FROM NFCU IN XX/XX/XXXX-TO XX/XX/XXXX. RED FLAG 2 : On the OWNERS AFFIDAVIT ( Ref : ATTACHMENT # 2 ) from XXXX XXXX and Title Company. Notice on the title of the document OWNERS AFFIDAVIT Revised XX/XX/XXXX the File Number ( they used the Escrow account number ) and the property address shows on the form. Borrowers/Owners name ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) and Loan Number are not specified on the document as the Loan Identifiers instead processor or settlement agent used the Escrow Account Number of Current Loan # XXXX ) Again, we never applied for Home Equity Loan, 2nd Mortgage Loan nor Reverse Mortgage Loan. We requested to have the previous loan with NFCU refinanced for a 30 year fixed term VA IRRL. On the Owners Affidavit, we were not allowed to to make any remarks ( N/A ) on the block that is highlighted as you see below. There are open spaces with lines on paragraphs 23 and 24. On page 3 of this OWNERS AFFIDAVIT was an additional open space and the signature lines dont designate the names of borrowers/owners of property. We were NOT allowed to write the date of signing the form. To date, we have not receive the satisfaction of Mortgage from the old loan that NFTS settled on XX/XX/XXXX. RED FLAG 3 : On the TITLE AFFIDAVIT ( Ref : ATTACHMENT # 3 ), address of the property was not typed in and was left blank, incomplete information and the clause on # 13 was shady. RED FLAG 4 : On the UNIFORM RESIDENTAL APPLICATION FORM, source of xxxx Equity of the property/ and xxxxxx left unended/incomplete. ( REFER TO ATACHMENT # 4 ) RED FLAG 5 : On the CLOSING DISCLOSURE ( page 4 of 5 ) ( Ref : ATTACHMENT # 5 ), There were TWO CLOSING DISCLOSURES THAT WE WERE REQUIRED TO SIGN THAT ARE IDENTICAL BUT ONE HAS LOAN # XXXX AND OTHER HAS LOAN # XXXX, ( which I just noticed those numbers after the closing ), part of the disclosure read Lender may hold PARTIAL PAYMENTS IN A SEPARATE ACCOUNT UNTIL YOU PAY THE REST OF THE PAYMENT, AND THEN APPLY THE FULL PAYMENT TO THE LOAN. I also noticed on the bottom right corner the new loan account number with an added ( -1 ). Does this mean we have first and second mortgage with the same exact loan amount? Please, I need clarification on this too. We requested to have our Escrow account handled by us, the borrowers/owners, but NFCU stated that they dont allow us to handle our own Escrow Account. We have very good standing on our accounts with NFCU as a proof that we are responsible account and loan holders. Is this the standard rule of the NFTS ( Title Company ) or NFCU ( mortgage lender ) or is it the CHAMPION TITLE ( Settlement Agency )? Did NFCU sold the mortgage and the property to NFTS and affiliates? This is making me more nervous because some of their documents designates as as BUYER. BUYER???? RED FLAG 6 : On the same page 4 OF 5 of the CLOSING DISCLOSURE under ESCROW, note that the INITIAL ESCROW PAYMENT AMOUNT indicates {$2500.00}, from which this designates the sum total of {$2600.00} + {$800.00} ( less aggregate adjustment of {$960.00} ) under the sub heading DISCLOSURE, Closing Cost Details under Prepaids, {$1900.00} was added for the 12 months Homeowners Insurance Premium for XXXX. Granting that the effective date on the Hazard/Homeowners Insurance is XX/XX/XXXX, then why is it that the amount specified on Initial Escrow Amount is only for {$2500.00}. I INFORMED NFCU ABOUT THE ERROR ON THE HOMEOWNERS INSURANCE EFFECTIVE DATE THAT SHOULD HAVE BEEN XX/XX/XXXX AND NOT XX/XX/XXXX ( refer to ATTACHMENT # 6 ) AND THAT AAA HAVE NOT RECEIVED THE INSURANCE PAYMENT THAT SHOULD HAVE BEEN DISBURSED FROM THE LOAN AMOUNT NOT FROM PREVIOUS ESCROW OR CURRENT ACCOUNT. I was told by processor that they will correct the typographical error and pay the Homeowners Insurance after we close. On the CLOSING DISCLOSURES, HOME OWNERS INSURANCE ( XX/XX/XXXX ) WAS ADDED TO THE LOAN ( Refer to page 2 of 5 of CLOSING DISCLOSURES, Closing Cost Details Item ( G ) -Initial Escrow Payment at closing on ATTACHMENT # 5. Also refer to INITIAL ESCROW ACCOUNT DISCLOSURE STATEMENT, ATTACHMENT # 6 provided for your reference. Please note that to this date, XX/XX/XXXX, Home Owners Insurance payment was not yet received by XXXX Home Insurance. Amount of {$1900.00} was added to the closing cost for the full years payment of our Home Insurance. AND TO THIS DATE, NFCU HAVE NOT REFUNDED OUR ESCROW NOR THE ANNUAL ACCOUNTING OF ESCROW AS REQUIRED BY RESPA despite of repeated requests. RED FLAG 7 : On Attachment # 7, NFCU TAX AND INSURANCE INFORMATION SHEET, Processor or Settlement Agent indicated on LOAN PRODUCT TYPE : 30 Year VA ( Escrowed )??? Some documents specify LOAN PRODUCTS TYPE : IRRL. Any taxes due at closing will be paid by the PREVIOUS LENDER. NOTE THAT THE POLICY XXXX EFFECTIVE DATE SHOULD BE XX/XX/XXXX. The payment for this Insurance was already collected and was supposed to be paid after closing BY SETTLEMENT AGENT TO XXXX XXXX. Our previous Homeowners Insurance ( XXXX XXXX XXXX ) coverage for the old loan with NFCU ( XXXX ) was supposed to end on XX/XX/XXXX and was fully paid for the XX/XX/XXXX to XX/XX/XXXX. I called the loan processor and specified the wrong effective date of coverage for XXXX and I was told that that was just a typographical error. ON THE SAME FORM PLEASE NOTICE THE DISCLOSURE, ANY TAXES DUE AT CLOSING WILL BE PAID BY PREVIOUS LENDER??? FUNDS FOR TAXES WAS ADDED TO THE LOAN AND TAX FUNDS IS NOW HELD BY THE SETTLEMENT AGENT. FUNDS ARE IN THE POSSESSION OF XXXX XXXX XXXX ( SETTLEMENT AGENT ). Please REFER TO TAX AND INSURANCE INFORMATION SHEET ATTACHMENT # 7. AND what is this Escrowed Loan??? Again, we only applied for one Loan and that is the VA IRRL Loan # XXXX. RED FLAG 8 : On a separate form XXXX ( Ref : ATTACHMENT # 8 ), ESTIMATED TAX PAYMENT DISCLOSURE ( FROM XXXX XXXX XXXX, Settlement Agency that NFCU and Navy Federal Title Services are affiliated with ) RE : XXXX XXXX XXXX, XXXX XXXX FL XXXX N/A OUR FILE # : XXXX NOTICE THAT NAME OF BORROWERS/OWNERS ( XXXX XXXX XXXX and XXXX XXXX XXXX. ) AND LOAN NUMBER WERE NOT INCLUDED INSTEAD THEY TYPED N/A. XXXX XXXX XXXX also have disclosure on paragraph 2 of same document regarding tax bill collected on the HUD 1 SETTLEMENT STATEMENT. WHY IS THERE AN HUD SETTLEMENT STATEMENT? IS THIS REQUIRED FOR A VA IRRL LOAN? RED FLAG 9 : On the PAYOFF ACKNOWLEGEMENT AND AUTHORIZATION FORM ( Ref : ATTACHMENT # 9 ), File Number XXXX ( Escrow Number is specified as file number ) BUT NOT THE OLD Loan Account # XXXX nor Borrowers Names are not on the document, but our signatures were required and notary service stated we can not write the date nor make any marks. Then what Account and whose account are they paying off if the loan number and our names are not on the document. Those documents look like they were just normal payoff disclosures but reading on the disclosures after the process, NFCU OR NFTS and/or affiliates added or slithered somewhat questionable clauses that we did not recognize during the signing process. RED FLAG 10 : On Navy Federal Credit Union CASH DISBURSED VOUCHER FILE COPY ( Ref : ATTACHMENT # 10 ), PAID TO : was left blank ; ADDRESS : was left blank ; CHECK NO. ( blank ) NUMBER : XXXX date ; XX/XX/XXXX DESCRIPTION : SETTLEMENT PROCEEDS FOR : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX NFCU ACCOUNT # XXXX??? WE DONT HAVE ANY ACCOUNT W/ NFCU WITH THIS ACCOUNT NUMBER. What proceeds are they referring to? We did not receive any proceeds NOR the FULL left over escrow from the old account WAS NOT RECEIVED TODATE. RED FLAG 11 : On the BORROWER/BUYER AND SELLER ACKNOWLEDGEMENT, ACCEPTANCE AND CERTIFICATION OF SETTLEMENT DOCUMENTS Is this document required for us to sign for VA IRRL Refinancing? ( Ref : ATTACHMENT # 11 ). RED FLAG 12 : On the INDEMNITY & UNDERTAKING AGREEMENT ( GAP ) ( Refer to ATTACHMENT # 12 ), Navy Federal Title Services, LLC as the agent ; Title No. XXXX ( thats the Escrow Number ), Again, name our names as borrowers/owners of the Property Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX are not included on the first nor second page of this document. Instead, the third page where our signatures are required are on one separate page and not included with the body of the document. RED FLAG 13 : On the HOMESTEAD AFFIDAVIT ( Ref : ATTACHMENT # 13 ), item # 4 Affiant intend to maintain the Propertys homestead status until the completion of the closing of the current sale or refinance of the Property. We did not sell our house, we are just refinancing and should not to end the Homestead Tax Exemption. RED FLAG 14 : EMAIL SENT BY XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX, regarding LOAN # XXXX EXECUTED BUYER CLOSING DOCUMENTS AND ANOTHER ONE TITLED LOAN XXXX SECURE : EXECUTED REFI CLOSING DOCUMENTS. Whats the difference? Are there 2 loans associated under our name and property? When I called NFTS for clarification, I was given the run around Call the loan processor!! then I call loan processor but to no avail. Are these documents standard for aVA IRRL REFINANCING? Homestead Status on our property even after closing of the refinance. Why cant NFTS be specific that this loan is for VA IRRL and why did they mention on this form CURRENT SALE? There were no cash out involved with this refinancing. Is this form legitimate for a VA IRRL REFINANCING? We never doubted nor or had any second thought of signing the documents with NFCU not until I read the articles on the Consumer Protection Booklet after the closing documents were submitted. It made me more aware and paid attention to the details of the contract. How can we protect our records from being used by any unscrupulous loan applicant using our information that Champion Title and Navy Federal Credit Union and their so called affiliates that they already have on hand and on file, as well as the documents/signed sheets that were deliberately separated from the main body of the loan documents such as Rider VA Guaranteed Loan and Assumption Policy with Guaranty, one Loan Mortgage Loan CONDITIONAL APPROVAL and one Mortgage Loan UNCONDITIONAL APPROVAL, Lien Affidavit, Compliance Affidavit, Mortgage Loan Price Commitment Agreement and its addendum, Note ( signature block was separated from the body of document ), FINAL ALTA Settlement Disclosure, Closing Disclosure, Homestead Affidavit, Affidavit of Identity, Mortgage or Fixed Equity Loan Easy Pay Authorization, Consent to the Use of Tax Information form, Borrowers Affidavit, Borrower/Buyer and Seller Acknowledgement, Acceptance, And Certification of Settlement Documents, Proceed Disbursement Sheet, Title Affidavit, Owners Residential Survey Affidavit, Owners Affidavit, Indemnity & Undertaking Agreement ( GAP ), another INDEMNITY AGREEMENT??, Loan Forbearance Affidavit, Florida Insurance Premium Disclosure & Settlement Agent Certification ( in which their Settlement Agent, XXXX XXXX XXXX XXXX XXXX have separated is signatory block from the body of the document, they dont have their address nor phone number on the form itself ), Estimated Tax Payment Disclosures, Payoff Acknowledgement and Authorization, Errors and Ommissions Agreement, Uniform Residential Loan Application, HUD/VA ADDENDUM TO UNIFORM RESIDENTIAL LOAN APPLICATION, IVES Request for Transcript of Tax Return, Marital Affidavit, MORTGAGE, NOTE, are just to name a few of those documents we were required to sign. PLEASE BE AWARE THAT ALL THESE CLOSING DOCUMENTS AND DISCLOSURES WERE E-MAILED TO US UNSECURED AND UNENCRYPTED AT 1321 HRS OF THE CLOSING DATE, XXXX, ONLY A FEW HOURS BEFORE THE ARRIVAL OF THE NOTARY SERVICE PERSON SCHEDULED AT XXXX HOURS. WE REQUESTED THESE CLOSING DOCUMENTS AND DISCLOSURES THREE WEEKS BEFORE XX/XX/XXXX, AND AGAIN SENT A FOLLOW-UP REQUEST A WEEK BEFORE THAT DATE. ARE ALL THOSE DOCUMENTS REQUIRED FOR A VA IRRL 30 YEAR FIXED LOAN? ALL OUR PRIVATE INFORMATION ARE MISHANDLED, COMPROMISED, UNSECURE AND NOW BEING DISTRIBUTED TO THEIR MARKETING PARTNERS ( PER PRIVACY NFCU/NFTS STATEMENT ) WE ARE VERY WORRIED THAT THOSE DOCUMENTS WILL BE FRAUDULENTLY USED BY THE HANDLERS OF THE DOCUMENTS FOR WHAT EVER PURPOSE THEY WILL NEED AT ANYTIME OR ANYWHERE. OUR PROPERTY AND OUR PERSONAL IDENTITIES ARE AT STAKE!!! WE ARE JUST PRAYING THAT THESE DOCUMENTS ARE IN GOOD HANDS. CAN WE REQUEST THE DOCUMENTS BE NULLED AND VOIDED AS SOON AS POSSIBLE SINCE NFCU/NFTS HAS ALREADY CLOSED ON THE ACCOUNT # XXXX. PLEASE HELP US!!! THESE ARE JUST FEW OF THE RED FLAGS WERE SENDING YOU FOR YOUR INFORMATION. THERE ARE MORE ON OUR LIST TO COME. REQUEST TO INVESTIGATE AND VERIFY NFCU and NFTS and/or affiliates, ACCOUNT NUMBERS VERSUS VA CASE NUMBERS, ESCROW ACCOUNT NUMBER ( AKA AS THEIR FILE NUMBER ) THAT NFCU/NFTS OR CHAMPION TITLE ARE DELIBERATELY MIXING UP ALL THESE NUMBERS FOR WHATEVER PURPOSE THESE MIGHT SERVE NFCU OR NFTS AND THEIR AFFILIATES. ALSO, WE WOULD LIKE TO REQUEST THE REST OF THE COPIES OF THE OFFICIAL CLOSING DOCUMENTS THAT WERE NOT INCLUDED ON THE 106-PAGE EXECUTED FILE DOCUMENTS THAT NFCU SENT US VIA SECURED EMAIL AFTER THE CLOSING. WE ORIGINALLY RECEIVED VIA E-MAIL, UNSECURED/UNENCRYPTED 142 PAGES OF DOCUMENTS FROM THE SETTLEMENT AGENCY, XXXX XXXX XXXX ON CLOSING DAY. We also request them to provide us with the accounting of escrow funds from our previous loan as required by RESPA. If there are any documents or any other information related to this case/complain you might need concerning this, please let us know. THANK YOU FOR YOUR IMMEDIATE ATTENTION TO THIS MATTER. WE APPRECIATE YOUR TIME AND HELP. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX ATTACHMENTS 1- 14 : 1. NOTE ( NOTICE : This loan is not assumable without the approval of the VA ), pgs 1-4 2. OWNERS AFFIDAVIT, pgs 5-6 3. TITLE AFFIDAVIT, pgs 7-8 4. UNIFORM RESIDENTAL APPLICATION FORM, pgs 9-11 5. CLOSING DISCLOSURE, pgs 12-14 6. INITIAL ESCROW ACCOUNT DISCLOSURE STATEMENT, pg 15 7. NFCU TAX AND INSURANCE INFORMATION SHEET, pg 16 8. ESTIMATED TAX PAYMENT DISCLOSURE, pg 17 9. PAYOFF ACKNOWLEGEMENT AND AUTHORIZATION FORM, pgs 18-19 10. NFCU CASH DISBURSED VOUCHER, PGS 20-22 11. BORROWER/BUYER AND SELLER ACKNOWLEDGEMENT, ACCEPTANCE, pg 23 12. INDEMNITY & UNDERTAKING AGREEMENT ( GAP ), pgs 24-26 13. HOMESTEAD AFFIDAVIT, pg 27 14. EMAIL SENT BY XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX, regarding LOAN # XXXX EXECUTED BUYER CLOSING DOCUMENTS
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33544
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A