Date Received: 2021-01-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a refinance with Navy Federal Credit Union back in XX/XX/2020. I advised the mortgage counselor I woul be traveling so please let me know what things she would need so I could submit everything before I left. This counselor has done everything in her power to give me the runaround, just yesterday she wanted to order a new appraisal because of all the time that has passed. Several representatives offered to have a supervisor reach out, but none ever did ( at least 7 people said it ). This loan is a {$90000.00} refinance, everything needed was submitted over two months ago ( including everything for closing ). The mortgage counselor is deliberately holding my loan and no one at the company will intervene. I requested to have the .75 % up charge waived on my interest rate, she offered to submit the form for my request. She called me back 5 minutes later, the same day to tell me she saw that I had just changed my address and she was looking through my bank deposits and saw I was getting deposits from NY. So, I yelled at her and told her all I asked her to do was to request to have the fee waived. She tried to imply my interest rate was gon na be higher because it wasnt my primary home. Yet, the interest rates are listed for first and second homes. She tried to discriminate against me, because she had a problem with me getting the lower interest rate. At this point she hasnt moved my loan, and when the escalation team called me she beeped in on the other line. Escalations department told me that I had to answer the call, so they never addressed the complaint but had the mortgage counselor call me. As I am talking to the mortgage counselor, she begins to request stuff that was senseless. I am not sure why Navy Federal service has gone downhill but I am moving my money to another financial institution. She is not 5 months into this asking for paperwork all over again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Navy Federal Credit Union took money from my account that had just been opened after NOT allowing me open after 28 years. I had a BK in XXXX that was discharged from XXXX county. I had two items with NFCU, a consolidated loan for approx 18K and apparently a visa that had a balance of approx 4300. For the past 28 years Id been trying to re-establish credit and was never able to open an account online. No one at NFCU could ever tell me why not. In XXXX of XXXX, a rep finally told me it appeared that a there was a block on my account due to some uncollected debt. I had explained that was part of the BK back in XXXX, she said oh no problem, Ill eat the BK dept know I had also asked if any money would be taken if I began to deposit money and she said not, its been cleared up. Well, I began to transfer money and once I hit about XXXX dollars in the account, two week later NFCU debited my account and said it was for the uncollected money from this visa. I had begged and pleaded telling them I had the case number, the date of the BK and that money was not theirs to take, it was part of the discharge in XXXX. They said they saw the BK filing, but dont have anything on file that shows it was discharged. I asked them to try to find the consolidated loan as they didnt collect for that one. If they could find the old records on that account, theyd see it was all part of the same BK. They could not locate the other loan, they said they had no record of that other loan at all. In my opinion, thats because it was DISCHARGED. I have written to the president, XXXX XXXX who just forwarded my information to the BK department but the BK dept is not willing to release my money back to me. Its been 28 years, they have never made an attempt to collect this money, I was never notified I still owed this, had that been done properly, I could have provided the proof way back in XXXX. They took my money and I want it back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Monday XX/XX/2021 I applied for and opened a checking account with Navy Federal Credit Union. I did so under the sponsorship of an existing Navy Federal member, my wife whom I live with. I understand that I meet all of the qualifications for membership. I was granted online access to my account and was able to make an initial deposit of {$100.00}. Later that night, upon attempting to access my account via the web I was greeted with a message indicating I was not allowed access and needed to call in. I called on the night of XX/XX/2021 and waited on hold for over 40 minutes before I got to a representative who informed me that she could not provide me any information regarding my account or the reason I am not allowed to access it, and that I must call back when their security department was open ( which were restrictive hours ). I was also told that this department has no direct line and that when I call back during thier open hours I would need to first wait on hold for a representative who could then enter me into the queue to wait for the security department - which the representative remarked was " a long queue ''. At no time was any communication sent to me via email or otherwise indicating that I would be restricted from accessing my accounts or needed to contact anyone. The only way I could obtain this information was by attempting to login, then calling and waiting on hold to be informed of the hoops I would need to jump through. At the point of my writing this it is XXXX and I have still received no communication from Navy Federal indicating that they have taken any action or that there is any problem with my account. When I call into their support line after I am off work, the representatives are rude, vaguely accuse me of fraud but refuse to provide any details. This has been a horrible customer experience and I have XXXX desire to do any banking with Navy Federal. I want my money promptly and I want them investigated for the practices that led to my unfortunate experience.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85023
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity was stolen back in XXXX. Navy Federal Credit Union ( Acc # XXXX ) was open back in XXXX for {$8400.00} which was fraudulent. I spoke to XXXX on XX/XX/XXXX at about XXXX XXXX. I requested the application from Navy Federal CU with my signature and they stated that they don't have one on file to provide. Also, I was never any part of any branch of the military. I've been disputing this account for several years. This has been affecting my personal and family life. I am demanding for this account to be removed now from all bureaus. I've also provided all information requested by Navy Federal CU to help with is matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit on XX/XX/XXXX at XXXX EST and noticed the following erroneous inquiries listed on my credit that I did not authorize Navy FCU XX/XX/XXXX Navy FCU XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/lXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Navy fcu XX/XX/XXXX navy fcu XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX Navy fcu XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX XXXX two ach transactions from Navy Federal Credit union in the amount of {$410.00} and another for {$200.00}. The-money was debited out of a checking account and suppose to be sent to XXXX bank. The funds never posted to the XXXX bank account which normally takes 1-3 business days. It is now XXXX XXXX and neither bank has taken responsibility of the missing funds and Ive been in communications with both By phone and in Person. Ive submitted ach disputes through navy federal and also XXXX has conducted investigations on tract numbers that they concluded to be correct. However I still have no funds and Navy federal insisted that they could not help me!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered into a consumer transaction with Navy Federal. A Finance Charge was included in this transaction. According to the Truth in Lending Act the Finance Charge is the sum of all charges. Navy Federal violated Federal Law by coercing me to pay a monthly bill. Navy Federal did not disclose my right to rescind which is a violation of my consumer rights.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020 i receive a call from Navy federal credit union Alerting me I have a fraud alert. One for {$2.00}?? XXXX something dollars and Another one for {$400.00}. The {$2.00}?? Was fix. Now the {$400.00} was a XXXX one they have not fix. They said because I have a XXXX XXXX that was me I have not used my XXXX. I don't know how the person did that. Now they are saying I have to pay {$400.00} to the bank. I do not have. I need XXXX information so I can make them responsible for there actions. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Sent XXXX to XXXX. No change they stated valid. Sent Navy Federal Credit Union debt validation letter XXXX XXXX 2020, they replied with email last night that its valid with no proof of signature that the debt belongs to me nor any contract that its my debt. Navy Federal sent a generic letter, no account number nor any personal information in regards to me owing this debt. They validated the information without proof that its my debt. As you will read from the email from NFCU they stated to talk to the credit reporting agency, which I already have. Its seems they are going me the run around like go ask your dad or go ask your mom, childish games. Im trying to finish this last bit of disputes to continue on with my life and live the American dream.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PR
Zip: 00676
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A