Date Received: 2021-04-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX XXXX, 2021 received form Declaration of Loss from Navy Federal Credit Union. The form seeks to make me, XXXX XXXX responsible for the lost check or if someone cashes the lost check. I have documents I like to forward concerning the issue of closing this account. Navy Federal Credit Union has informed me several times to use their security message center. I have informed them again and again and again and again I do not have access to their Secure message center and ask to provide means to use it. Always never a reply. The reason I bring this up is they want me to return the form though their message center or send it through regular mail which takes about a month from my location. I am not pleased that Navy Federal Credit Union tries to make me responsible for a lost check that i never received. They take zero responsibility for the check they issued. Lost, stolen or some one else cash they seek to make me responsible and i will not be responsible for the remitter ( Navy Federal Credit Union ) when they issued the check XXXX XX/XX/2021. No care or concern is shown to the customer from my view point. I have written Navy Federal again and again and again and informed them i have no access to their secure message center still that is one of the ways I am told to contact them. It would be very simple to issue a check send via certified, express, or registered that ways some form of tracking could be done. I am informed to contact them through call in or go to one their offices. The account that was closed I have no ideal what is the account number. All the many many letters written to them i get the same results. No customer help or care or concern. I am happy to end our relationship all they have to do is make a good effort to send me the check from the closed account. That is all I ask. Navy Federal Credit Union informed me the they were MAILING THE CHECK., they did not day they mailed the check. The Declaration of Loss indemnity the 100 % of any responsibility for the lost check that they issued. I am ask to sign a form that I am responsible for a check that I have never received. That I will not do. Resolution simple. Navy Federal Credit Union make best effort to ensure that some form of tracking is done when they issue another check. I would think they have a way to see if the check they issued has been cashed. If it has they seek to make me responsible. This issue has taken much more effort than it should it Navy Federal Credit Union use simple customer service this issue long resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a inquires on my credit report that I have no knowledge of. They are falsely reported without my consent from unknown creditors.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a mortgage from Navy Federal jointly with my wife at the beginning of XX/XX/2021. We went under contract for the purchase of a home on XX/XX/2021 the contract was sent to the mortgage lender on the same day via email. The closing date on the contract was XXXX XXXX. I did not receive any contact from Navy Federal until 5 days later when a XXXX XXXX envelope appeared on my front door. It contained all loan documents with a locked in rate WITHOUT ever being sent a loan estimate and agreeing to lock in the rate. Finally I was able to reach my mortgage lender and he never admitted to his mistake and said the rate was locked in and there was no way we could get better rates. I took it upon myself to apply for the same loan again on XXXX XXXX but without my wife to see if I could get a better interest rate which I did by .75 %. I then had a new loan officer per my request after the terrible experience with the original loan and after all documents were submitted ( so I thought ) the loan was transferred without my knowledge to a now 3rd officer. It was the first week of XXXX when we had asked for the appraisal to be scheduled. It was scheduled for Thursday XXXX XXXX. During the week of XXXX I received no document requests or contact at all from the new Loan officer. We then heard back from Navy Federal during the next week of XXXX that they could not contact the Appraisal company. Until finally on Friday XX/XX/2021 the Appraiser contacted Navy Federal and said he couldnt do the appraisal because his wife was sick. I had made sure to ask my loan officer if everything was done other than the appraisal and she assured me it was. We had to write an addendum to the sale contract to extend closing to Thursday XXXX. On Monday XXXX the appraisal report was finally reviewed and approved by Navy Federal but it happened around XXXX XXXX XXXX XXXX so they couldnt get the file approved for a Thursday closing date. Then I had to reach out again on Tuesday XXXX to my loan officer to ask the status of the loan and she said they had questions about our rental property which I had clearly explained in the application process that the tenants were moving in XXXX XXXX and I had submitted a copy of the lease agreement. They also had questions about an allotment on my paycheck which went to an investment account. Which they also had statements for. So basically it sounded like they didnt even begin reviewing documents until the Appraisal was final. Now we have to again ask the sellers to extend closing even further to the right. During the time after our original closing date of XXXX we have been forced to stay in hotels until we could close. Our experience with Navy Federal has been horrific and I will never bank with them again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29410
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was contracted to assist a XXXX company XXXX with their domestic clients past due accounts on XX/XX/21. My agreement was to collect these funds deposit into my business account SIRID at NFCU and that I was to deduct my commission or costs and forward the balance to XXXX. I received contacts from their clients and verified via XXXX. I receieved a check from XXXX XXXX of XXXX Wisconsin in the amount of $ XXXXas expected deposited into my business account personally with very clear instruction that I want to be notified when the funds have " CLEARED ''. The teller at the XXXX XXXX branch said that it would only take a day or two I said I am not in a rush. On XX/XX/21 NFCU posted this check as cleared in my account. I contacted NFCU via phone and was again confirmed that the check had cleared. I proceeded to NFCU in XXXX XXXX Ca to then complete the transaction by sending a wire in the amount of $ XXXX. Once again I asked if the check had cleared NFCU said yes- I sent the wire and on XX/XX/21 I went on line and my business account had been frozen the check was returned and I was obligated to pay the $ XXXX per NFCU the security department told me its my responsibility and would I like them to place a hold on the wire I said yes I asked why they never contacted me and that I was the one contacted them. On XX/XX/21 I called NFCU security and spoke XXXX after explaining this she also asked me if I wanted a hold on the wire -it took 5 business days for NFCU to implement actions to recover or stop the wire. At that point my accounts had been cleaned out at NFCU they took $ XXXX in my business and savings account and even took my social security payment. I spoke with 2 additional security people at NFCU and their response to their lack of notification and implementation was at best cavalier. I offered to go to mediation they refused I offered a settlement they refused. I have no money I am XXXX and just had XXXX XXXX operations in the last 6 weeks. NFCU told me that " cleared " is defined by them differently and that I was liable. They breached their fiduciary responsibility to me as well as business client. Conducted their own investigation of themself and they have self judged that they did nothing wrong. The covered up their misleading incorrect responses and rather than show the proper integrity they pass it on to me. I will be forced into bankruptcy at XXXX and my XXXX XXXX XXXX company XXXX will be destroyed. Help me please XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
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: there is a charge I didn't authorize for XX/XX/XXXXXXXX for {$54.00}. this is being done by a supervisor in disputes that has been revising disputes on my account and charging my accounts and compromising my cards. Im going to go into a branch this morning and change my account numbers and credit card number since it's fraud on my account and customer service with navy federal is doing nothing. Im writing because I want this charge of XXXX removed and disputed and new account numbers given to me to secure my account. ive written the security department about this discrimination and no one is responding. this is being done to attempt to damage my credit with these unauthorized transactions. I am being discriminated against because of my race and background. this is fraud and I'm being discriminated against by this supervisor in navy federal in disputes that has access to my account information and keeps placing invalid transactions on my account as an attempt to get me to close my accounts and negatively effect my credit score which im trying to prevent. This is a free country and my first amendment gives right to free speech. I didn't violate any terms of navy federal and can not reach anyone in security to unblock my access to services on my accounts. I'll be going into the branch Monday morning. please remove this charge and investigate this supervisor at navy federal that is clearly a XX/XX/XXXX and a XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On saturday XX/XX/2021 I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and upon arrival there was a line wrapped around the bank to the street with cars diue to the lobby being closed. I waited in my car with my children for over 30 minutes before i was able to speak with a teller. while in line i ordered a cashiers check in the amount of {$5000.00}. I got out my car while in line knocked on the front door to see if someone can just print out the check for me that way i can be done. the lady who came to the door never opened it to speak with me had a mask on her face but was trying to tell me i still had to wait in line with her finger. i walked back and got in my car and waited. when i got closer i look bin front of me there was a black sedan and behind me was a white one. Finally it was my turn. i waited for assistance. not being XXXX but an XXXX lady came to the camera screen and ask how she can help. she was talking so fast and away from the mic i barely could hear her. i kept putting my hand towards my hear and even told her i could hear her.i explained i ordered a cashiers check and also need {$3000.00} in cash totaling {$8000.00}. she went off screen and came back over 5 minutes later. she told me she was sending me a reciept to sign and i could of promised she told me i would be good to go. i recieved an envelope with the reciept on top and a pen i signed it and sent it back then spoke with her asking about how i can go about coming into the branch for help because my debit card keeps getting used outside ofthe state. she told me monday through fri i can come in for 10 mins and they can help me., i said ok. she never told mehold on im sending you anything else so i drove off. when i pulled around i looked down and noticed i didnt have my {$3000.00} my drivers license or my bank card i went back to the bank with my children in the hot heat to tell them i didnt receive my items. the same lady talking to me from her mask behind the door finally opened the door and told me hold on. 35 minutes later she ask for my number and said i know what happened give me a moment ill get it back. she never came back i waited almost another hour. finally i went back two more times kept getting the run around i called their XXXX number and asked for a manager. i explained my situation but he wasnt no help. i went back to the bank then was greeted by the bank assistant manager XXXX XXXX. she explained herself but told me she is sorry and they are working with security on a solution. i waited waited waited another 45 minutes but now i been at the bank over 3 hours, i got out my car to walk up they finally called the police to report the issue. XXXX did re issue me a new card and was able to get a report number from the police but never got my money back. Today XX/XX/2021 i received a call from XXXX around the XXXX hour to tell me she talked with security and they aren't the victim i am and they wont issue me my {$3000.00} back. she even said the teller put my money in the machine after i drove off. i am furious because that was money to pay my bills and feed my children.I am a single mother of XXXX who works hard to provide for my children. all i am asking is that navy federal to give me my money back that is all.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I previously had a credit card with Navy Federal Credit Union. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with Navy Federal it was sold to a collection agency. Yet Navy Federal continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70301
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: Thank you Financial Consumer Protection Bureau for operating this consumer Complaint Center. I had a hard time trying to find someone for help. Navy Federal Credit Union Member XXXX XXXX XXXX Checking account ending in XXXX XXXX XXXX XXXX XXXX Member XXXX XXXX Reference : Incident # XXXX XXXX Without an authorized ACH affidavit signed by MsXXXX XXXX XXXX XXXX a Navy Federal Credit Union member XXXX Navy Federal Credit Union withdrew and transferred {$860.00}. from her checking account to an outside XXXX XXXX XXXX XXXX account in the name of XXXX XXXX. This illegal transfer by Navy Federal Credit Union was done on XX/XX/2020. Due to Navy Federal Credit Unions internal failure ... MsXXXX XXXX was without her necessary funds ( in the amount of {$860.00} XXXX for 13 consecutive days. a. XX/XX/2020 illegal transaction - withdraw and transfer to XXXX b. XX/XX/2020 NFCU provided a provisional credit to XXXX ' checking account NFCU 's refused to response by post mail ( as was the form of communication initiated by the NFCU member ) - instead they sent an undisclosed email response of having no liability in their error. Instead, NFCU wrongly pointed their fingers at XXXX XXXX, " ... XXXX holds the responsibility to ensure that the debit was authorized ... '' Navy FCU has not reference their assertion to banking law and plays on the member 's XXXX XXXX XXXX ignorance. Ms. XXXX XXXX did not authorize Navy Federal Credit Union or sign an ACH affidavit allowing XXXX XXXX XXXX XXXX to make a withdraw from her checking account ending in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have tried to get NFCU to remove a debt from my records with NFCU. I had credit card hardship insurance i paid for each month. In XXXX a person did not have the option to pay credit card insurance with NFCU. While XXXX i suffered a hardship and reported it to NFCU. I was informed they would take care of the issues over the phone in XXXX. I mainly called because it v was the only time in could use internet and services while i was in a XXXX XXXX. When i get back from XXXX NFCU forget agreements and send me in circles about using the hardship insurance to get debt relief. The debt still is wrongfully under my name at NFCU and i lost out on money for the insurance service i paid for that was not rendered. I should have been part of they supposedly reentered my account and sold it in XXXX to avoid having to pay my portion of the award. This business has some serious issues abs i have recorded phone calls to substantiate facts of issues with NFCU. Proof of the lawsuit abs my issues reflect those of others : https : XXXX # : ~ : text=If % 20you % 20believe % 20you 've , % 2Fcomplaint % 2C % 20according % 20to % 20Vahey Called NFCU today and a rep said they were not suppose to call or contact victims in this class action. It clearly states they're suppose to on this web page.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79924
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Navy Federal via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Navy Federal has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A