Date Received: 2021-02-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Back in XX/XX/XXXX, I submitted a request to refinance my home with Navy Federal Credit Union. The original loan Officer was XXXX XXXX. During the process XXXX XXXX required me to submit several documents to her and one of them was an agreement I had with XXXX. The settlement agreement was due to expire XX/XX/XXXX. Each time I would leave a message with XXXX XXXX I would never get a response, so for nearly ( 3 ) months I keep trying to contact her so I filed a complaint with the XXXX XXXX XXXX. On XX/XX/XXXX I received an email from XXXX XXXX XXXX and she informed me that XXXX XXXX had quit and she would be my loan processor. I informed XXXX XXXX that it is imperative that we don't miss the due date with XXXX. If that agreement expires then I would have to start that process all over. It took nearly two months to get XXXX to work with me in order to obtain the agreement. XXXX XXXX informed me that we would go to closing by the XXXX of XXXX. On the XXXX of XXXX at XXXX pacific coast time a I called XXXX XXXX XXXX confirm that we would be going to closing on the XXXX. XXXX XXXX then sent me an email on XX/XX/XXXX at XXXX pacific coast time stating one of her coworkers informed her that I didn't wish to continue with the process. I'm not sure were that information came from nor did I tell anyone that I didn't want to continue. Had that been the case why would I have called her the night before the day of closing? Since this process has started ( 6 months ) I have had nothing but one excuse after another from Navy Federal Credit Union. I have paid {$600.00} for an appraisal and to have my credit report retrieve. As it's known Everytime an inquiry is submitted against your credit report it affects your score. I feel I have been taken complete advantage of. I don't know if it's because their loan processing offices are in XXXX, FL and I leave in XXXX XXXX, CA and they feel their is nothing i can do to them. I hope by filing this complaint they realize they are beyond the reach of any consumer. Your assistance with this matter would be greatly appreciated. And any restitution that I can obtain would be worth the stress I have to experience.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: SPOKEN WITH SEVERAL REPS ALERTED NFCU THEFT BEGAN DISPUTED CHARGES FTC LETTERS SUBMITTED POLICE REPORTS FILED XXXX REPORTS SUBMITTED
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A credit card account was opened in my name on XX/XX/2019 by Navy Federal Credit Union with a current balance of {$7700.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have accounts with several banks and credit unions. All banks and credit unions provided my tax documents electronically ( usually a downloadable document from their website ). This is true for various tax documents ( XXXX, XXXX, XXXX, etc. ). The Navy Federal Credit Union, however, does not provide an electronic copy on their website. I called to ask for the electronic copy, but the customer service manager responded that the Navy Federal Credit Union only sends paper versions by mail. I explained that every other financial institution provided electronic copies, which should be standard after the pandemic started 10 months ago. The Navy Federal Credit Union refused. I explained that every other business has adopted to operating during the pandemic by providing documents electronically and that I would need the electronic copy to respond to requests by the IRS by email. This is quite frustrating and antiquated. Does the CFPB provide guidance to financial institutions for providing electronic copies of documents, especially during the pandemic? Thanks very much.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98126
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A loan was fraudulently made in my name by Navy Federal Credit Union on XX/XX/2019 with a current balance of {$5300.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Other service problem
Subissue:
Consumer Complaint: Almost 2 years ago my bank Navy Federal Credit Union shut my card off after i reported some fraudulent transactions on my card.They shut my debit card off and my 2 credit cards.SO the result of that is me having to wire money and transfer money to different accounts which is not right.I didnt commit any type of fraud so i believe i should get my money back being i wouldve never had to transfer and or wire my money to different accounts if theye had better security and if they hadnt turned my card off.Because with Navy Federal Credit Union you have to pay for everything, cutting your card off leaves me with no choice to but to transfer my funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 88012
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Card was opened without my knowing reported fraud but Navy Federal will not remove the file
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2021 I sent Navy Federal Credit Union an Affidavit of Truth and Lending certified mail regarding a fraudulent auto loan that they approve on my behalf. The terms to the Promissory Note states The owner ( s ) of the collateral warrant ( s ) the he/she is the owner of the collateral listed on the front ; that there are no other liens or claims against the collateral. 15 USC 77q states It shall be unlawful for any person in offer or sale of any securities ( including security-based swaps ) or any security-based swap agreement ( as defined in section 78c ( a ) ( 78 ) of this title ) by the use of any means or instruments of transportation or communication in interstate commerce or by use of the mails, directly or indirectly and that contract promise was not fulfilled by Navy Federal Credit Union.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I gave an online love interest my personal information including my social security number, my birthdate, family information including security questions, and address. I'm going to be receiving S.S.D.I benefits starting XX/XX/2021 and am concerned about it's security with this person who has my information
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent in request for a investigation in its been well past 30 days for the hard inquiries thats on my credit report that I did not authorize, and they havent sent me anything stating nothing
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48307
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A