Date Received: 2021-06-07
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: My EDD payment was paid into my XXXX account XXXX acct # XXXX in the amount of {$1200.00} NFCU took that money despite the fact that I was advised by XXXX in security that EDD was protected funds and that it would be returned. It never was and when I requested a list of protected funds I was advised it does not exist. I than stated than you must return the money you took as you can not prove you had a right to. Since my compliant they have given me the run around and have now taken my account and it appears to have been closed. NFCU as removed /deleted correspondence between us and I can not access it anymore. They have been covering up the violation against me with intentional actions to prevent me from defending my position
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX XXXX XXXX XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX XXXX and XXXX credit reports, the account needs to be deleted from the XXXX XXXX XXXX credit reports. The information for this account listed on my credit report is : CREDITOR : NAVY FEDERAL CR UNION, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$2500.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a mortgage through Navy Federal, and was prequalified for {$400000.00}. We found a home we like and signed a contract to buy it for {$280000.00}. The Navy Federal Loan Processor, XXXX XXXX, NMLS # XXXX, advised us the anticipated closing date of XX/XX/XXXX would be " no problem '' and that she would get everything processed. She then handed off our loan to XXXX XXXX XXXX, NMLS # XXXX, who appears to be junior to XXXX based on their titles. This was the first inklilng we got that there might be trouble - XXXX immediately started backtracking and claiming they may not be able to close on time, and demanded additional documentation even though my loan had already been approved. One of the additional items she demanded was a copy of my bank statement showing the earnest money check had cleared. I sent it to her, redacted showing only the relevant transaction, and she demanded an unredacted version showing every single transaction through my account in the prior month, and proceeded to threaten me - if you don't send it immediately your closing will be delayed. Even though it is none of her business, we had nothing to hide so I immediately sent an unredacted copy. That wasn't enough, however. Despite us signing a contract in early XXXX, they didn't get around to ordering the appraisal until XX/XX/XXXX, and she claimed they were doing everything they could to " rush '' the appraisal, but in actuality they did nothing - they never assigned the file to an appraiser, blaming an intermediary they hire for the delay. As it became closer to the closing date and XXXX was still making excuses, I reached out to her boss, XXXX XXXX, MLS # XXXX. She seemed to be trying to help, and said that hopefully although they couldn't get an appraiser willing to do their job, she would work with the appraisal underwriter to get them to accept an electronic appraisal. Finally I had hope of actually meeting the closing date - appointments had already been made for the closing, utility connections, driver 's licenses, etc. that I didn't want to have to cancel. Unfortunately, she emailed back and said they would not accept an electronic appraisal, and not only that they would be closing my file. This after running a second credit report on BOTH my wife and I, because they had a typo in a single digit of my wife 's ssn the first time around, that did not prevent them from getting the report. I emailed XXXXXXXX XXXX boss, an individual named XXXX XXXX, but he was too busy or too lazy to bother answering my inquiry, so I'm filing this complaint. In the meantime, on a Saturday no less ( yesterday ) I received an electronic denial of credit letter - informing me that my mortgage was denied due to inadequate collateral. The collateral is NOT inadequate, nor do they have any reason to believe it is inadequate, they made no effort to determine it's value other than supposedly listing a request for an appraisal that none of their appraiser 's picked up. This is clearly a false reason for denial, and they did not make sufficient effort to obtain an appraisal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I opened a car loan with navy federal credit union on XX/XX/XXXX, the car was repossessed In XXXX. After the repossession car was then sold at a auction. I was action member in a law suit against navy federal and the case closed On XX/XX/XXXX where navy federal paid on and agreed to delete the loans off of the trade lines of members in the law suite within 90 days of the case closing which wouldve been XX/XX/XXXX however this account is still negatively showing on my credit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/21, I made a total cash deposit of XXXX to the ATM at Navy Federal Credit Union at the ATM in XXXX, GA on XXXX XXXX. This was around XXXX. I only received credit for XXXX. There is still XXXX outstanding that has yet to be credited to my account. I have a receipt that I will upload that states that they are encountering a problem returning your cast. Please contact your financial institution. I did just that, while I was at the atm. I filed a dispute and uploaded all of the receipts. They issued a provisional credit, however that was revoked out of my account on XX/XX/21. I called the fraud department. They stated that the particular department that handles that or that made the decision wasn't in. I decided to file a complaint. I am not giving XXXX of my hard earned money away. That XXXX isn't NFCU 's to keep. That is my money. Not only that, but they took money out of that account and now it is negative. I am not happy nor appreciative of this issue. I will be filing multiple complaints in order to get this issue resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I received a loan estimate with NFCU on XX/XX/21 that had escrow included. I was not interested in that option so I sent an email on XX/XX/XXXX inquiring about that situation, and to remove it now, instead of later. I was reassured on numerous occasions that I had satisfied all prerequisites to have it removed, and that it would be corrected, but I'd have to wait until they send my closing disclosure to see that update. They pushed through the underwriting, conditional, and final approval, so my account when into closing on XX/XX/XXXX. My loan advisor most recently has advised to the settlement processor on XXXX that the escrows would need to remain. I was not told why. I feel I have been mislead and entrapped. My closing date is on XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have called Navy Federal and the 3 Credit Bureaus without any reasonable response. I had asked them to look at the evidence again after verified, but hung up on me. I'm filing a complaint to have the CFPB to ask the 3 credit bureaus and the furnisher to look thru my evidence. The account number is wrong. The late payments are inaccurate. The account has been reaged. Pls see attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2021 Navy Federal Credit Union performed a " Hard Credit Check '' on my account. I have never had an account with them, I have never consented to signing up for any kind of account with them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: When i got my stimulus check it was not direct deposited. I physically took the check to the teller and advised that i wanted a XXXX deposited to cover the overdraft funds and other bills and the rest of the money was cash in hand. They just notified me a week with an email ( mind you they spam your email so who is really going to open email ) but i went through the email cleaning it out and noticed that it said they were taking XXXX from my account. I emailed them back letting them know i had no idea what this was and to please take it off because i didnt agree to any of this. A week goes by and i decide to call because there has been no response. I was advised that it was a courtesy credit for me to have my funds available immediately. This was not communicated during the transaction in person. If it was i would have told them no i dont need that because i have cash in hand and im fine. After speaking with the rep she advised there was no notes stating it was discussed or that it was added and they couldnt reverse it. I then asked for a supervisor. The supervisor i spoke with was not friendly at all. I explained to her that this is not right. I took the check knowing and willingly to cover the overdraft charges plus a little extra and the rest in cash to pay off bills. This was never discussed and replied back to the email. Her reply well you can reply back to the email. I said maam if this is the case why not put something like DO NOT REPLY like all companies do when you are not to email you back. I advised this is wrong on their end because they put something on my account without my knowledge or agreement to. The credit was not added before i made the deposit but the very next day. Why would i need the credit i have my account back in positive standings and if you did put the credit why not get your money the same day you put it on there seeing i had more than enough to cover that credit instead of sending a email a week before you are taking the money. This is not how veterans and their families are supposed to be treated, I work for the state of Tn and As a company you are to let the consumer know what is being done before it is applied. So my family is looking at it worried because this is our funds to pay bills our rent lights with 4 children and they dont care at all when this is their fault not ours. The bank is navy federal credit union.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I was half sleep and a woman who was rushing me all day to do this money thing kept blowing up my phone asked for my info and i wasnt paying attention to what she said but i gave her the password and last 4 of my social and my dob and I thought I could trust her but then i wake up about 30 secs layer with her not to be found and me locked out of my account. After i tried all night to grab the XXXX dollars from my debit card but it didnt work bc the card isnt available anymore they most likely have applied for loans within my account when i dont apply for any benefits or loans within my bank and its Navy fed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A