Date Received: 2021-04-26
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: I was approved by the SBA for {$9000.00} in EIDL grant money. Only {$5400.00} was actually deposited by the lender. The bank shows only a deposit of {$5400.00}. The SBA only shows that {$9000.00} was dispersed. The US Treasury office says the lender would be able to answer why the money dispersed was not the total amount that it should have been.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
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: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a 30 year military choice loan for Navy Federal Credit Union on XXXX. I was approved for a {$400000.00} loan at 3.7 % interest with 0 % pmi and 0 % down payment and 0 origination fees. I was in contact with the mortgage officer, XXXX XXXX, to discuss certain topics, this took place on XXXX and XXXX. I received the preapproval letter and started searching for homes. From XXXX to XXXX I was not in contact with XXXX XXXX. He did send me some emails asking how the search was going but I did not respond as there was nothing to update him with. I contacted him on XXXX to inform him that I put an offer on a house. XXXX informed me that since I was not in contact with him that my mortgage was withdrawn. There was no notice, no warning nor did he tell me that it was required to stay in contact with him to maintain the loan application. XXXX directed me to reapply for a new loan. I did and now it is at a 4.5 % interest rate, which is .8 % higher than the previous loan I had. As of now there is no recourse to reopen my previous application. My complaint is that NFCU did not inform me that constant communication was required, did not give me an expiration date for the mortgage, nor did they inform me that they withdrew the account. I believe it was done with bad intent as interest rates are rising and they wanted to have me reapply.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
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: Old information reappears or never goes away
Consumer Complaint: I came upon certain negative remarks on my credit report. I have asked the companies to remove the items and they have not. I have no recollection of the items and sincerely ask for them to be removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Applied for a refinance loan and Navy federal Credit union On or about XX/XX/XXXX, Loan was denied for the followings as indicated in Navy Federal Credit Union XXXX dated XXXX XX/XX/XXXX received via regular mail on approx. XX/XX/XXXX. As per conversation with XXXX XXXX as point of contact indicated in letter regarding customer inquiring about errors of no liens nor construction on property. Customer requested proof of appraisal and proof of Liens as Navy federal indicated. XXXX. No liens on Property since XXXX. XXXX. No adjustor to confirm any construction on property. XXXX XXXX had customers telephone privileges terminated. Customer is XXXX and XXXX therefore customer request telephone privileges restored.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78229
Submitted Via: Web
Date Sent: 2021-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I receive a call from my banks number from the Fraud department. I was told that my account had been compromised and they had me reset everything. The number was in fact my banks number but it was spoofed. The person, XXXX XXXX transferred XXXX to their account with XXXX XXXX. I immediately reached out to my bank to see inquire about what happened. They told me it was a scam and the associate was not helped and refused to stop the ACH. I have been trying to get this money bank and the bank has not been helpful. They initially refused to close the account or even issue a new card. I had to beg them to do so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: See attachment sent from Navy Federal Credit Union escrow overpaid go reflect taking advantage have a medically retired Federal servant total 21 years 8 months include military services active and XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78227
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/2021, Navy Federal Credit Union and I agreed on a payment plan with a reduced interest rate and the closure of the credit card. At this time I also requested paper statements. Paper statements were never sent. I regularly checked my account online for updated payment amount and due date information. I made multiple payments in XXXX and XX/XX/2021, which were not applied correctly. One was for the amount for the amount of {$4000.00} and one on XX/XX/2021 for {$200.00}. The latter payment was paid AFTER the forgiven XXXX due date and should have been posted to the XXXX payment amount due.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited two payroll checks to my checking account through the ATM on XX/XX/XXXX. The funds were available online on XX/XX/2021. Two hours later the funds were removed from my checking account. They informed me that they believed that the checks would not be paid. When I questioned them about why they believe the payroll checks would not be paid ; they were unable to give me a logical explanation. Keeping in mind that a payroll check from the same company, with the same account, and from the same bank ; was paid XXXX weeks prior. I believe that there some type of malicious behavior on the part of one of Navy Federals employee XXXX XXXX ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX of XXXX, XXXX XXXX XXXX ( XXXX ) withdrew XXXX dollars from my account for no service provided as of yet. My email was spammed with phishing emails and no valid numbers or emails. These were to be credited back to account After an email was provided included invalid emails sent through a portal not controlled by XXXX. They did not credit my account instead they continued to keep withdrawin another XXXX dollars using my debit card without my authorization. I had to have a new debit card re-issued. This was a trial run using XXXX. A dispute was issued and monies were credited returned to my account by Navy Federal Credit Union ( NFCU ). Several request were made to have copies of merchant response sent to me so I could respond. This information was witheld from me to-date no merchant response received. This bought the attention of the dispute department and appeals or cco resolution. Navy Federal Credit Union allow theft of my funds from account through use of my debit card by XXXX. No proof was not shown that leads were valid and that an investigation insued for the return of my funds. Instead an email was sent they Will release funds merchant on XX/XX/XXXX. Even after I provide all the supporting documents in my favor and possession to NFCU XXXX RESOLUTION but they denied my dispute and denied my an appeal. As well as allowed someone named XXXX And XXXX XXXX to open a savings account using my address. After bringing this to accounting fraud department attention I got an email they were returning funds to XXXX. This put my account in the negative and I had 'to take from a personal joint account to cover my payroll to my XXXX XXXX. I will report this IRS to transparent about my business account. Also this XXXX was reported to Federal Trade Commission for deceptive trade practices and fraud emails phishing spamming and theft of my money using my debit card unauthorized during a trial period of less than 30 days and withdraw after account closure requested with 30 day period for Since opening my business account it has been pristine and well maintained and managed. {$560.00} and {$84.00} must be redeposited to my account because of unauthorized amounts. My account was cancelled within 30days due to poor customer service and failure to credit back account for invalid emails and unauthorized debit from my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I demand a full check of the amount listed below or an open end credit plan for the 3 credit cards in the total amount of invoice sent to the address attached or A permanent credit in the total amount of invoice for the violations you have committed, the pain you have caused. I would prefer for the credit card accounts to be listed positive in good standing reporting monthly to all three credit bureaus with in 15 calendar days. Remove any and all liens from the credit accounts, and grant full permanent access to account login or a check written in my name for the total amount {$150000.00}. So it is and so it be. We can settle this between us or I can move further and take this to litigation. I know my rights and my rights have been violated. You have committed fraud under my name. Pursuant 15 USC 1605 Pursuant 15 USC 1692d Pursuant 15 USC 1602 Pursuant 15 USC 1640 Pursuant to 15 USC 1692c. ( c ) I am contacting you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A