Date Received: 2021-05-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I made five disputes for my Navy Federal Debit card ending in XXXX for checking account XXXX. I submitted the evidence. Evidence is the SAME for all 5 disputes. Navy Federal decided in my favor for 2 of the 5 disputes, therefore ruling against me for 3 of the 5 disputes. This is DESPITE the evidence being the same for all disputes. I submitted proof I returned my orders. Apparently is was good for 2 of the 5 disputes. Why is that?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43614
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I opened a checking/savings account with Navy Federal Credit Union in XX/XX/XXXX. When I received my debit card, I began to update my payment information, having next received returned check fees for insufficient funds due to declined debit charges before. Immediately, I began to receive numerous returned check fees, each at {$29.00}. When I received my first check, which posted on XX/XX/XXXX, my account was already overdrawn by {$140.00}. I contacted NFCU to see if they would refund the fees. They agreed to refund {$58.00} back to my account. They claimed that all these charges were from bank drafts? Not possible. I had 2 charges that could have resulted from bank drafts for XXXX. I was also charged a returned check fee the same day that my check posted. I was charged again three times in XXXX and so far, once for XXXX, claiming that a {$200.00} transfer that I scheduled to go into my XXXX Account on XX/XX/XXXX didn't actually get transferred until XX/XX/XXXX, resulting in the money not being transferred and me being charged another {$29.00} returned check fee.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38464
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Due to Covid19, l had a payment waiver with Navy Federal Credit Union. I was in the payment waiver program when they erroneously reported to the three credit bureaus that I was 30 days p/d. The date was XXXX, 2021 and amount $ XXXXThey admitted the error but has failed to correct the problem. Please have this wrong information delete from my credit profile!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I placed my FHA mortgage on forbearance in XX/XX/2020 while it was still current as we are XXXX and had major financial setbacks due to XXXX. Navy Federal Credit Union has consistently added interest and LATE fee 's and reported those amounts to the credit bureaus which has effectively made my credit scores go much lower. It appears that I am over my credit " limit '' on my mortgage account over {$4000.00}. I also am aware that NFCU has suspended doing FHA loans at all so I feel like this is a way to eliminate existing FHA loan customers. I recently requested to come out of forbearance last week and have heard nothing from NFCU until last night when my account was placed on restriction due to having a delinquent debt ( mortgage ) and have attached screen shots showing that. I also had to answer questions last night about my mortgage before I could do anything else or access any other checking accounts confirming the amount that was now due ( {$4200.00} ) and how I intended on paying that balance and nothing about a stand alone claim which I thought I had applied for. Access to my mortgage online is and has been restricted for quite some time. I was then informed that I needed to contact them to seek other options as my past due amount from forbearance was due by the end of the month giving me 2-3 weeks. I also inquired this morning to 2 representatives on the phone as to why my account privileges were restricted now and no one I spoke to could answer that question. I am being treated like I have done something wrong. Additionally, I applied for a secured credit card that was recommended after being pre qualified for a credit card and had several hard pulls on my credit report only to be denied because I was delinquent on my mortgage! I just checked my credit score and because I have done everything I could to offset the negative additions to my loan balance by NFCU, it is now up to XXXX. I thought NFCU was trying to help its members financially when all they have done is try and punish me even though i have never been late on any of my loan accounts since being a member. If I can not get this resolved I will start contacting some legal resources and have them assist me since this should not be happening to those of us who have had XXXX and have struggled with this pandemic for over a year.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: SOMEONE STOLE MY PHONE AND MY WALLET AND ACCESSED MY ONLINE BANKING INFORMATION AND FRAUDULENTLY TRANSFERRED AND WITHDREW MONEY USING MY ACCOUNT. MY ACCOUNT IS NOW IN THE NEGATIVE. I AM NOT LIABLE FOR THIS DEBT. I REQUEST THAT NAVY FEDERAL REMOVE THE NEGATIVE BALANCES FROM MY ACCOUNT AND PROVIDE ME WITH A NEW BANK ACCOUNT NUMBER SO I CAN CONTINUE USING MY BANK ACCOUNT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Hello, My name is XXXX XXXX and I have just recently opened up an personal account with Navy Federal Credit Union. I heard nothing but great things about Navy Federal CU until today XX/XX/XXXX @ XXXX. XXXX from personal account was very professional, helpful and courteous. He explained to me all the benefits of opening up an account with Navy Federal and transferred me to the XXXX Department. I spoke with a XXXX who asked me what type of business is XXXX XXXX XXXX and I told her we are XXXX XXXX XXXX XXXX XXXX and we offer our clients advice on XXXX XXXX XXXX XXXX XXXX, she then asked me about credit repair, I stated we hope to offer that down the line and she stated we can not open this account because of that and I stated I am not operating credit repair NOW, we are financial consultant and help individuals with different aspects of their financial plan, there is no way we are practicing or doing ANY type of credit repair. I then asked to speak with a supervisor by the name of XXXX who I believe to be very unprofessional, she came onto the phone chuckling which lead me to believe she was communicating with XXXX, XXXX did not provide me the opportunity to explain what my business is and just assumed because XXXX mentioned to me about credit repair that Credit repair is what I do and I do not operate nor have any clients at this time who I do credit repair, I stated maybe or possibly down the line I may consider but that was not good enough for Navy Federal and they refuse to open up my Business Acct. based on a possibility and that is not right, at this point XXXX was being very immature and would not provide me with further details of how I can remedy this issue, she was rude to the point I hung up on her ( I ask that you play the recording back to hear the conversation ), I then called back to speak to another supervisor by the name of XXXX who pretty much stated according to her documentation she is not able to open the account w/out giving me the details as to why. I directly told her that I am not operating XXXX XXXX XXXX business at all right now. I would like a call back from the XXXX, XXXX or someone who can assist me with this matter. Thank you, XXXX XXXX Acct. # XXXX My Business Name : XXXX XXXX XXXX Established in XXXX and Operating since XXXX We are Financial XXXX who offer clients financial analysis of their finances. We consult on assets, expenses, income and help our clients create a financial plan to reach different types of goals.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX my checking account was unlawfully and unauthorized hacked and {$3900.00} was taken without my consent i have contacted the navy Federal credit union immediately i filed fraudulently paperwork after 20 days of hearing nothing i filed an appeal i was told it was my fault that some one stole my money they would not insure my stolen funds i even filed a aa co police dept report on the theft and the terrible customer service i was given.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: In XX/XX/XXXX I co-signed with my granddaughter for a new XXXX which we financed through XXXX XXXX. On XX/XX/XXXX my granddaughter refinanced the vehicle with Navy Federal Credit removing me as a co-signer. The account at XXXX was never paid off. I have a copy of the check from XX/XX/XXXX which the check was made out to XXXX and my granddaughter. This caused me to have a late fee and a 30 day late on my credit as I was not notified of this not paid as I assumed when she refinanced that it was paid off. I found out about this when I received a call on XX/XX/XXXX at night telling me that the account with XXXX was delinquent and I paid them in the amount of {$560.00}. I told them it was refinanced and XXXX signed for the documents but XXXX does not know who that was. They finally said they received the check on the XXXX and it cleared on the XXXX. I have been trying to get proof of the loan being paid off but they said they could only mail. This is a big issue as I am elderly and on a fixed income. I have never paid an account late and now i have lates on my credit and I am in the middle of purchasing a home which we have had to delay closing due to this and I am going to be homeless if this is not taken care of as well as it is affecting my credit score which could affect my rate. This is so upsetting as because they didn't take care of their business and ruining my credit and just has had me so nervous and upset I can't sleep. I really need some help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77511
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have overdraft protection yet my account was allowed to be overdrawn by XXXX after calling to dispute why my account was allowed to be over drawn by so much a credit that I didnt ask for was applied but no information as to why my account was allowed to be over drawn and now they have said theres nothing they can do. How does Over draft protection work?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80010
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have an old credit card with Navy Federal Credit Union, it was closed on XX/XX/XXXX. On XX/XX/XXXX, Navy Federal made an unauthorized and fraudulent payment on the account, just 10 days prior to the end of the Texas Statute of Limitations in order to extend the length of enforced collection on the account. I did NOT and would NOT have made a payment nor did I authorize such a payment! This is blatant fraud on behalf of Navy Federal Credit Union. I demand immediate action, this is a fraudulent and unauthorized payment with malicious intent. This is blatant fraud for the purposes of predatory collection. Furthermore, I demand action be taken against Navy Federal for their predatory action.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A