Date Received: 2021-05-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX i opened an account with navy federal credit union, next day i was put on restriction due to false info on a consumer report now Im unable to use the account for my own benefits.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33069
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hello, My name is, XXXX XXXX, This is for account number ; XXXX I had spoken with a translator regarding a suspension of check payment that was scheduled on XX/XX/XXXX & it was confirmed with the representative that the suspension was a success. However, that information of confirmation was incorrect due to the fact that the payment had been taken out, I have severely been financially penalized due to the COVID-19 pandemic & was unfortunately unable to have the payment taken out on the date given. I had given a call to the manager of the branch I usually go to & I was told that refund of my funds are not available. I find it very unprofessional that I was told the suspension would be a success & disappointing that the promise made to me was a dissembling fib. Im very affected by this action & I need this money returned to me. This was issued on XX/XX/XXXX in the amount of XXXX. I also need to dispute another check for the amount of XXXX. That one has not been sent out yet but I need that check suspended as well. I look forward to receiving your response.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92626
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 with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: - Had contacted NFCU about claims being closed before, rep from NFCU indicated all the documentation is something like a proof of purchase or something like a proof of return. - All claims are closed ( see attached ) claiming I did not provide the documentation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have reviewed a copy of my credit report and I show company NAVY FCU account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX XXXX and XXXX XXXX are the branch manager and assistant branch manager of the Navy Federal Credit Union on XXXX XXXX. They are XXXX XXXX and XXXX XXXX XXXX. They have defrauded my account of tens of thousands of dollars in excessive authorizations since the accounts inception. They have precluded me from being able to contact the NFCU in any way shape or form other than by email. I am requesting that the FBI investigate them for money laundering, racketeering, drug trafficking and arrest them and discharge them from NFCU employment permanently as they are both XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX I was getting help registering a tv and the man locked my phone and sweeped my accounts, he transferred money to his XXXX resulting into {$1300.00} .I contacted Navy Federal and when I made the claim they denied it saying by letting the gentleman fix my tv I gave him full permission to sweep my account and they would not fix it .I tried to contact someone above because I did not accept these charges, my phone was locked and they breached into my banking info and sweeped my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93436
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a Home Loan online through Navy Federal Credit Union. Prior to applying to this loan I also applied for a loan through another financial institution. When I was called by the Loan Broker I was at work but she didnt seem to care and wanted information at that moment. I called my wife on a 3 way call so she could provide the info because at my job I can not talk and the Loan Officer was being quite rude and demanding. She was asking about our down payment, income all standard questions. But it was manner in which she was asking. She was nasty, badgering and very discriminatory. How much money you have? What else? Thats All? Hmm not sure what I can do. What are you trying to get? Hmmph ... Do you have more income? A bigger down payment etc etc My wife mentioned that on the website it stated that the loans had no down payment. She immediately said we wouldnt qualify and didn't say why. Then my wife stated what if we got iur own down payment she said " nope not with Navy ''. Her tone wasnt of a Agent trying to assist with a home purchase. She finally said maybe she could offer {$150000.00} ... We were baffled.. Maybe??? Was this a game or business transaction. The irony was were approved for XXXX before this transaction as well as a few months ago. So we found a huge disparity in the number she provided. Furthermore we got a denial letter in the mail that citied a XXXX credit school with serious delinquency etc but then it states ***NO DEROGATORY INFO FOUND IN THE FILE. Also it states Excessive obligations in relation to income. Can they please prove this. My income pays rent. I have no debt in my name. No student loans, car notes, child support etc. When we pull the report there is no derogatory info there. So why was our loan denied? We cant prove it but our voices and names are distinctively XXXX. And from the moment the Loan Officer came on the phone she was rude was unprofessional.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a refinance of my mortgage XX/XX/2020. Navy Federal has still not closed on the refinance 6 months later resulting in unnecessary interest accumulation. Navy federal stated they were poorly staffed and couldn't handle all the request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 15317
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Navy Federal Credit Union refuses to apply additional payments made to principal only, and instead applies them as future loan payments made. When asked to reapply funds correctly, agents made false claims about principal reduction, but interest rates are never adjusted or updated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A