Date Received: 2021-03-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We applied to Navy Federal Credit Union for a preapproval mortgage loan. They offered a service to put us in touch with a realtor. The process for the loan went good at the beginning. Then the loan officer never called or kept us up to date on the process. So I decided to call and found out that our application has expired and our credit report. No word from NFCU on this situation. Pretty sure they didnt expire the day I called. Terrible customer service. There is no telling what else has expired. I talked to our loan officer and he couldnt answer why no one in his office hadnt called to let us know about the lapse of both items. I dont want other veterans to go through what I went through. NFCU is doing a disservice to veterans and should be exposed for this type of treatment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33710
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed dispute a dispute in regards to excessive incorrect information that is being reported on my credit report. It has been well over 30 days and I have not received any investigation results nor any of the evidence/proof documents that I requested from the reporting agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78232
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Per the attached documents, my credit card refund was sent to Navy Federal Credit Union ( NFCU ) since XX/XX/XXXX and I have not received it despite attached written transmission evidence including trace number that the merchant sent the funds to NFCU. In fact, per the attached email from the merchant dated XX/XX/XXXX, NFCU has not even contacted them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Navy Federal Indicated there was suspected fraud of {$35.00} to a family member of mines. I am the party who initiated the XXXX payment back in XX/XX/2020 and just now received a call from Navy Federal that my XXXX was disabled. I have repeatedly tried to resolve with Navy Federal and XXXX but so far have gotten nowhere. There is proven messages this family card was stolen and she gave them a break down of what charges she knew were valid including mines. Navy Federal or XXXX has tried to assist in this matter. All they keep telling me is there is no Appeals process. Please can someone help a consumer because this bank and XXXX is not helping.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29115
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: THE ACCOUNT WAS CHARGED OFF I PAID THE ACCOUNT BACK IN XXXX TO XXXX THE COLLECTION COMPANY. IT HAS BEEN ALMOST 4 MONTHS AND THE INFORMATION HASNT BEEN UPDATED TO PAID ON MY CREDIT REPORT. I HAVE SENT IN SEVERAL DISPUTES AND EVEN CONTACTED THE COMPANY NOTHING WAS UPDATED. i AM IN THE PROCESS OF BUYING A HOME AND CLEARING UP NEGATIVE INFORMATION.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38133
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Getting the loan
Subissue:
Consumer Complaint: I applied for a PPP loan on XXXX. The land was submitted to the SBA on XXXX. Over the course of three weeks I was unable to get anything other than ambiguous updates with no information whatsoever other than to just wait. On XXXX I was told a letter had been sent and that I needed to refer to the letter for any additional information. On XXXX I followed up with regard to the letter being sent with the details and was told I just need to review the letter which had yet to arrive. I followed up again on XXXX when the letter had still yet to arrive and was told that the letter had never been sent and that they were not able to complete the application. I asked to have the loan withdrawn to allow me to move forward with a more competent and communicative lender. I was told they could not contact the department to make the request but it would take a few days for them to submit. I explained dire straights my business is in and that I need to be able resubmit the loan during the window for small companies to make up for the time that has thus far been wasted. As of 3.8.2021 NFCU has still not demonstrated a willingness to withdraw the ultimately compromising my ability to move forward with a new lender. The lack of communication, lies, and deceptive practices our of the business banking side of NFCU and the unwillingness to withdraw the application are unfair and ultimately punitive.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2021 there was a fraud committed on my account where fraudulent checks were in my name, not signed by me and deposited into my mobile banking account which made me delinquent to XXXX shared between my checking and savings. There was no investigation done on my case and I don't have the money that put in the account and taken out. I am not sure what to do. I want to keep my bank account and love Navy Federal 's services but they have not been any help within this situation and I need help with this Identity fraud. I am a full- time student and full-time employee I am very frustrated about these circumstances. Please let me know what I can do to get this cleared and not sitting on my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
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: 31093
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A