Date Received: 2021-05-19
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/XXXX my stimulus payment was applied to my account. Navy Federal Credit union decided on their own without letting me know that they were applying a {$140.00} provisional credit to my account for my benefit so that I could have full access to my stimulus payment, which was deposited into my savings account. My savings account was {$0.00} at that time, even if they think they had a right to put a credit in my account there was no reason for the credit. Now, 60 days later without contacting me prior they have taking the {$140.00} back out of my account, meaning they reversed the credit leaving my savings account - {$140.00}. When I called and talked to the bank the supervisor I spoke to jokingly with a little snicker says, we are prepared to offer you budgetary counseling, if youd like! I am really irritated about all this, especially because I dont have an extra {$140.00} and I have been without a job for over a year now due to COVID-19 and this is happening to me now. Its ridiculous!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98366
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I deposited check into XXXX XXXX check was fraudulent and funds reversed. I did FOIA request to XXXX asking how many times XXXX received and reversed check from one or both companies on front of the check.. XXXX or XXXX. today XXXX foia denied. FOIA Director called said XXXX not at fault. She told me to file with CFPB. I feel many NF members have experienced the thing and in doing so NF knew or should have known checks members produced for deposit with names XXXX XXXX XXXXXXXX were fraudulent and should not have allowed its members to be subjected to fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an account with Navy Federal Credit Union which was tampered with by an unauthorized third party. Around the time that my account was used in a mannerism that I never authorized, I was the victim of a hate crime and assaulted. I was also under the supervision of the XXXX XXXX XXXX in XXXX, New York as a victim of Domestic XXXX where an Order of Protection was issued for my personal safety and security. My checking account with NFCU was used fraudulently and closed. I was then reported to Early Warning Services for " Checking Account Fraud '' showing a XXXX dollar loss. I was also the victim of Identity theft and XXXX XXXX and XXXX credit cards were opened in my name fraudulently and without my permission.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/XXXX, {$2800.00} was withdrawn from a joint checking between myself and a former spouse at Navy Federal Credit Union. We are currently divorced but we do still have a mortgage open with the credit union, as I occupy the home with our minor daughter. When I phoned to find out why, I was advised the {$2800.00} was applied to a credit card charge-off from XX/XX/2012 belonging to XXXX XXXX. At this time, he had a credit card and restaurant go out of business and I know he also pursued bankruptcy. They shared with me the following, see Section 5 : https : //www.navyfederal.org/content/dam/nfculibs/non-search-pdfs/nfcu_573cc.pdf My question is the timing, is there no statute of limitations on credit card debt? Are they allowed to collect on this money for eternity?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We currently have a VA loan taken out in XXXX. We applied for a refinanced ( lower interest rate, cash out ) VA loan through our current lender, Navy Federal Credit Union, in XX/XX/XXXX. We have submitted all the requested paperwork, went online and electronically signed everything they asked for, have been in contact with them the whole time, completed the pest inspection and appraisal in XX/XX/XXXX. Absolutely everything they required of us. Nothing has changed in terms of our income or credit, and we have submitted and resubmitted proof of income. It has now been SIX MONTHS and they keep saying our refinance is " in-process. '' Six months we have missed of lower payments, and still no end in sight or guarantee that this refinance is a sure thing. Six months of waiting to see and also missing out on refinancing through a different lender completely, and now the interest rates are going back up. What can we do about this? IS THERE A TIME LIMIT on how long a financial institution can take to " process '' a re-finance? In XXXX, they gave us an anticipated closing date of XX/XX/XXXX, and it is now a month and a half past that date and still no closing scheduled. Please help! My assigned loan officer is very uncommunicative to email or phone requests for updates. Her name is XXXX XXXX NMLS ID # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53562
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Within the past 2 months, I have tried to resolve this issue multiple times with Navy Federal and no one helps me. I called Navy Federal around XX/XX/XXXX after receiving a letter that I will be reaching my loan maturity date on XX/XX/XXXX and that my payment would be {$210.00} instead of the {$100.00} that was the original payment on the loan. I spoke with them for almost an hour. The personal finance team told me that someone would reach back out to me within 3 days because I may have been overcharged. I called back on XX/XX/XXXX and I was advised that they were still working on it. I called back again on XX/XX/XXXX and I spoke with them for 41 mins and I was advised that the reason that my payment changed was because I lost my payment protection plan. I called back again on XX/XX/XXXX, XX/XX/XXXX and spoke with them another 41 mins and on XX/XX/XXXX and still no resolution. I am upset because Navy Federal cheated me out of my protection plan. 3 years ago, I made a complaint because I had the protection plan that was supposed to kick in when I was out of work and could not pay. I called Navy Federal and let them know that I could not work ( which lasted 3 months ) due to being injured in a car accident. Navy Federal did not help me to file a claim and just made payment arrangements with me instead of servicing me with the product that I was paying for. After I made a complaint to the CFPB, they apologized for not servicing me and to compensate me, they waived my late fees which would equal up to the amount of payments that I missed. Navy Federal is now punishing me due to them making an error with their products were they should not have changed my payments from {$100.00} to {$210.00} which is more than double of my original payment. I have spoken with supervisors and several departments in order to resolve this issue and no one will help me. They all say that they can not help me even though they made a mistake that is costing me as a consumer and that is not fair.and they never informed me about the {$210.00} payment either until the end of my loan which is why I called to resolve this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78621
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: It's disappointing to say the least the Navy Federal would commit to providing a VA loan with the short sale disclosed in the application process and having the assurance that it wasn't a problem only to find out that after more than two months of work and a bunch of inspections later that Navy Federalis going back on that promise. I have previously provided a thoroughexplanation of the short sale and if anyone knows about it, it's Navy Federal Credit Union. This could effectively cost me thousands and a lost home in the process so I am going to start with a complaint to the Consumer Finance Protection Bureau. Other veterans must have experienced this before and I'd hate to think more will in the future so I'm going to seek legal counsel on recourse in order to protect customers. The whole thing is shocking, I should be closing this month but I'm effectively back to square one and the buyer is desperate for money so it'll likely end up as a dead deal. I guess my question is how could it go through the approval process, all the information that was provided and allow the appraisal and all the inspections when this should have been a non-starter? Then it's ok to back out, that just doesn't seem like the operation I'd expect from a Credit Union.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I HAVE BEEN A MEMBER WITH NAVY FEDERAL SINCE XX/XX/2019, I HAVE APPLIED FOR THERE CREDIT CARD, MORTGAGE PROGRAM, AUTO LOAN FINANCE AND ALL BEEN DENIED, MY MOST RECENT APPLICATION, I APPLIED FOR UNSECURED CREDIT CARD APPLICATION AND WAS DENIED, I HAVE HAD A SECURED CREDIT CARD PLUS 3 ACCOUNTS CHECKING SAVINGS AND BUSINESS ACCOUNT ALL IN GOOD STANDING, EACH TIME IVE BEEN DENIED FOR ONE OF THERE SERVICES I HAVE NEVER RECEIVED A DENIAL LETTER EXPLAINING WHY I HAVE SENT EMAILS TO THERE RECONSIDERATION DEPT XXXX EACH TIME, ILL RECEIVE A CALL FROM A REP, THAT JUST REINTERATES THE SAME SCRIPT THAT MY ACCOUNT IS REVIEWED EVERY MONTH AND THAT THERES NO SPECFIC TIME WHEN ILL BE CONSIDERED FOR AN INCREAE OR I SHOULD RECEIVE A LETTER IN THE MAIL WITH MORE DETAILS, IN ANY EVENT SINCE BECOMING A MEMBER MY CREDIT SCORE HAS IMPROVED TO OVER 700 BY WAY THROUGH THEIR APP, SO I ATTEMPTED AGAIN AND WAS DENIED AGAIN, AFTER REQUESTING PROOF OF INCOME, BY WAY I SENT IN MY RECENT PAYSTUBS YET THEY DENIED ME FOR UNABLE TO VERIFY INCOME TO WHICH I HAD TO CONTACT THEM TO FIND OUT WHY, WHEN I NEVER RECEIVED A LETTER, WHEN I SUBMITTED THE APPLICATION, I HAD TO SEND AN INQUIRY THROUGH THEIR MESSAGING SYSYTEM THROUGH THEIR ONLINE SYSYTEM, TO ASK, AN A REP RESPONDED THAT ITS BECAUSE THEY COULDNT VERIFY MY INCOME WHEN ASKED TO SUBIT MY TAX RETURNS, THERE WAS NO REQUEST OF MY TAX RETURNS THERE WAS A REQUEST FOR " PROOF OF INCOME '' WITH PAYSTUBS, TAX RETURNS BEING AN OPTION, YET THATA THE REASON THEY DENIED ME, FOR A VERY LONG TIME IVE BEEN SENSING IS A SENSE OF DISCRIMINTATION FROM THEIR UNDERWRITING DEPARTMENT AND I CAN NOT SEEM TO GET A DIRECT ANSWERS ON THESE DENIALS THAT MAKES SENSE, IN ADDITION, I ACCIDENTIAL REQUESTED AN OLD STATEMENT AND THEY SENT ME A MESSAGE SAYING UNABLE TO SEND THE STATEMENT UNTIL I CHANGE MY ADDRESS BUT YET SENT THE STATEMENT VIA XXXX XXXX AT THE SAME TIME, WHICH A CONTRADICTION OF THE COMMUNICATION, I SENSE THAT THESE REPS ARE NOT ON THE SAME PAGE, AND I FEEL THEY ARE NOT PRACTING LEGAL TACTICS UNDER CONSUMER LAWS
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I hope all is well I wanted to start off by saying I appreciate banking with you and the over draft protection thank you very much and I apologize this has happen. Im writing because I lost my bank card and I been trying to get an representative over the phone for over a week and every time I call its 25-30 min hold times. I can not waiting on hold that long so I dont know if Im calling in at the wrong time but its like all day through out the day. Im not able to go in the branch due to the virus and I have a XXXX XXXX and a XXXX XXXX XXXX and Im not risking there lifes or mines. Because it seems like the virus is getting worse not better even though its an vaccine out. I needed a new card mail to me, which one is on its way because I have a check from XXXX the I could of deposit it to avoid the overdraft fees and the return check fee. Its not my fault that is an pandemic thats what caused my fees. I would been had my check my back pay from XXXX if the virus never came is delaying everything and making it hard for me to handle my business due to I cant risk catching the virus or bring my children in places especially my newborn that can wear a mask. This is all a big mess. I really need my fees back like its honestly not my fault and I truly apologize. Once XXXX starts releasing my back pay from 2015 everything will get better. I also talk to them about mailing my check instead deposit it because this wouldnt of happened at all. I just cant go in to the branch to get a new card its too risky so its all the pandemic not my fault. I apologize again. Thank you for your time. Have a wonderful day and please be safe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! . The following personal information is incorrect Account Number : Name : XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 12. Validate Account NAVY FCU Account Number : XXXX Please investigate and delete from my credit report. 13. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 14. Validate Account XXXX XXXX Account XXXX : XXXX Please ensure that all information is accurate
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A