Date Received: 2021-03-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX XXXX XXXX XXXX XXXX XX/XX/2021 dear sir/madame, i want to make a complaint about the navy federal credit union. i am coming to you because no matter how many times i discuss my concerns worries with them and make formal complaints they ignore them. i recently made a complaint with the better busines bureau but i received no response from the credit union. on yesterday XX/XX/2021, i checked by account and discovered {$2800.00} was debited into my saving account. i knew right away it did not belong there, so i called the credit union to report their error, once again. it took several calls for them to take the money out of my account and place it with the people that it belong to. their attitude was " it was just a mistake, XXXX XXXX '', she then tried to blame the irs no, because i only used that credit union for my mortage. the errors they made with my mortage has put me in financial hardship. they dont care if they mess up our money. my son, XXXX XXXX, told me he had the same mortgage problem with them concerning his money. this {$2800.00} error is serious to me. it should'nt happen. with a large organization as the nfcu. there sould be auditers, cpa 's and/or accountants so our money will go into the right accounts. just think if i had not discovered the error the person that money belong to could've been hurting, like i was when the made the huge mistake in my mortgage and escrow payments. why are they making errors with people 's money. i recommended my son to this credit union to handle his mortgage but the error with him was over {$6000.00} per my understanding. i am only mentioning my son to let you know there is a history or habit that the nfcu has with mortgage programs. i pay extra to principle and escrow every month from {$130.00} to XXXX for principal and {$20.00} to XXXX to escrow. they paid out to my home owners insurance XXXX in XX/XX/2021 then they said they received another bill for XXXX in XX/XX/2021 so they paid.again, that time that payment put me in a in a deficient. they said i was short XXXX so they took my mortgage up from XXXX {$910.00} i couldn't afford a {$70.00} increase. they dropped it to {$900.00}. these errors shouldn't happen. when we trust the credit union with our mone and mortgages we expect top notch wervice, but we are not getting it. the worse part is they don't care. i am requesting a response back and a remedy so i know it won't happen again. i worked 32 years with DoD, had i made mistakes like that i couldn't stayed there. Respectfully, XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have talked to them several times about removing the false debt from my report, this debt is hurting my chance to purchase a house. The account was used by someone else and not me, and their conclusion was that i was the person using the card and that it wasn't fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have been searching for a home to move into asap due to the fact that I went into XXXX XXXX and XXXX XXXX XXXX weeks early. This caussed us to be in a bit of a hurry to find a nice home to move into before she comes home from the XXXX. A scam artist took advantage of this. On Friday XX/XX/2021 I came across a home on XXXX that we were interested in. The home was supposedly privately owned and there was contact information for interested people to contact. I contacted the number and believed I was speaking with a property manager/owner who allowed us to go and visit the home throught a self guided tour due to the " COVID pandemic ''. We completed the rental applications and I had to send {$100.00}, {$50.00} for each adult applying. He guided us on how to create an account and get the code number for the lock to unlock the lock and get the key and enter the home to view it. Everything seemed to be legit. Once we finished viewing the home we were asked if we were interested and told there were other interested parties as well but that we had the upper hand because we had the key. The supposed manager told us if we made the deposit for the home that day through his lawyer that we would be able to keep the key and we would sign the lease agreement in the morning. I have never been scammed in my life, I had no idea this was a way people get your money. I believed what I was being told. I transferred the deposit of {$1100.00} to the supposed lawyer/realtor account which we googled the name before we sent the money and there was confirmation that there was a realtor locally by that name. I thought we would be okay only to find out that the home was being rented through a rental company. We found this out because there was a couple outside their home across the street and we asked them about the house. They told us the house was for rent but by XXXX When we realized what we had done, I immediately went into my bank account to try and stop the pending transfer only to find there was no option to cancel. I contacted my bank first only to be told that I sent the money myself there is nothing they can do and to contact XXXX. I contacted XXXX and while on the phone with them they told me there should be an option to cancel the pending transfers if they had not gone through yet in the app. I tried exactly what they told me to do while on the phone with them, but there was NO option to cancel the pending transfers. I could clearly see that the charges were still pending and would not be available to the recipient until XXXX XX/XX/2021. However, I was not able to cancel, there was no option to do so. I contacted my bank again and tried to see if there was any way to reverse the charges they were no help whatsoever and kept telling me that its basically my fault because I sent the money willingly. Both Navy Federal and XXXX refuse to do anything to help me, meanwhile I am out of {$1100.00} with a newborn baby and no way to move forward or get my money back. I was never scammed in my life so I didn't expect this I wish that there was some type of warning. I am beyond frustrated and I just don't know how to accept that I won't get that money back. Please help me if at all possible, I am struggling enough as it is.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30233
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I was not able to open up a checking account and I then ordered my consumer report many banking accounts were opened in my name and I believe were used for fraudulent actions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29801
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2020 my check was stolen for the amount of XXXX and cashed at Navy federal credit union in XXXX VA. It was made out to my Dental office XXXX XXXX XXXX but the check was double endorsed and cashed by someone named XXXX XXXX the money was withdrawn from my account on the XX/XX/XXXX I was made aware my dentist never received the check. I filed incident report with police department and filled out Forgery Affidavits with both my bank and Navy FCU, summited copies of my signature and XXXX XXXX why havent my money been returned back to my account as yet?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i paid my monthly bill but navy federal reported my account as late its a pandemic i dont know why they will do that its in violation of the Covid -19m forbearance
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: A mortgage lein by NFCU from 12 yrs ago is preventing me from refinancing my mortgage in XXXX. During the XXXX subprime mortgage crisis, I was able to borrow a $ XXXX as a 4th mortgage on my primary home, to be use as a down-payment for a 2nd home finance through NFCU. With home market collapse during that time, I was force to file bankruptcy and short sale my 2nd home.. It started as Chapter XXXX but eventually converted to a XXXX. Due to predatory lending practices in XXXX and XXXX, my 2nd and 3rd mortgage release their leins, but not NFCU. I contacted them several times to release the mortgage lein to no avail. According to them the lein is still valid and they wanted it paid in full from remaining equity in my house if I refinance. I told them financially this might cause me to go to bankruptcy again. PLEASE ADVISE. I read several lawsuit on NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92532
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: As a victim of identity theft I was diligent and reporting and acting immediately upon discovering that my information have been compromised due to the employment security department.I was contacted both by email and phone in regards to this event and after enrolling in do credit monitoring and repairing service provided to me for the next year bye the employment security department do to this breach and the knowledge of my information being used fraudulently, I was able to find the extent of which my identity had been used and the damage that had been done. I have made sure to follow all guidelines and regulations in place on my end as a victim of identity theft. When I called my Navy Federal credit Union account services to report that I was a victim of identity theft and that my accounts had been compromised, the only thing they went above and beyond in, was making XXXX understood they were not going to help me and there was nothing I could do to fight it. I am currently waiting for XXXX XXXX XXXX and and admitted to the hospital for long periods of time every so often over the last year or so. Due to these absences it was easy for me to overlook the effect of my identity theft and until I actively investigated this I was unaware of how bad it was. I submitted documentation to Navy Federal showing that it would have been physically impossible for me to have been the person completing these transactions via ATM and debit transactions in store. I also submitted documentation showing them that I was a victim of identity theft and that my other accounts have been compromised and resolved due to that. Navy Federal was actually one of my largest concerns because I lost every XXXX I had to survive once I got out of the hospital. To this day I haven't received any compensation and have stuff for the consequences. I have been told that I am responsible for the actions of whoever fraudulently use my account. I am liable for the loss of all my money. they also have put my account on a secure access and made it impossible for me to use this account and now I'm unable to obtain another bank account to receive funds. I'm not sure why they have made it so difficult or why they are being so hard on me when I have done nothing but provide them rock hard evidence and proof that is literally undeniable. If any outside person was to look at this case and the supporting documents they would probably be dumbfounded that Navy Federal was acting as they were. I really need help gaining access to my funds immediately because as I said this account although only one of the many accounts that was compromised or created using my identity, it was the only account I had that had my entire savings and all funding went to this account. Now I am not only without a XXXX to live on but not capable of receiving funds because of account limitations put on me to punish me as well? I need help at least getting my money back if anything but would appreciate this lock put on me to be removed as this was no fault of my own.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: On today 's date, government supplied stimulus check, received notification it was received but would not be accessible until XX/XX/XXXX. My grandson, who also has a Navy Federal account, was given access to his stimulus check on this date. I believe Navy Federal is withholding due to seeing payments to be made on XX/XX/XXXX due to my Social Security check being deposited on that date, and will try to charge overdraft fees if the money is not readily there, as some banks have been known to do. Please look into this, IRS Treasury 310 Tax EIP3 Routing number XXXX, available XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A