Date Received: 2020-12-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, Navy Federal Credit Union received a credit report from XXXX. I was denied credit ( a new home mortgage ) based on 'Excessive obligations in relation to income ' and AMOUNT OWED ON ACCOUNTS IS TOO HIGH. This is not supported by the information on my credit report since all accounts have been paid in full since XXXX. My FICO score varies between 837 and 850 with all bureaus. I use only two credit cards and pay off the balances every month. The only outstanding loan is my mortgage with Navy Federal with a balance of $ XXXX and monthly payments of apx {$1200.00}. XXXX will not allow me to dispute the incorrect Key Factors listed above that resulted in the denial of credit even though my account information does not support their denial reasons.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I NOTICED OUT OF THE BLUE MY SECURED LOAN ACCOUNT WITH NAVY FEDERAL CREDIT UNION IS SHOWING OPEN AND 30 DAYS LATE WHEN IT WAS NEVER LATE AND IT IS CLOSED. IT WAS A 12 MONTH TERM SECURE LOAN THAT WAS OPENED ON XX/XX/2018. I WAS NEVER LATE AND THIS ACCOUNT SHOULD HAVE A XXXX BALANCE AND PAID AS AGREE. THE ACCOUNT NUMBER IS XXXX. WAS UPDATED XX/XX/XXXX ACCORDING TO THIS. ALSO THERE IS ALOT OF VARIATIONS TO MY NAME WHICH I WOULD LIKE REMOVED. I JUST WANT MY NAME AS IT APPEARS ON MY IDENITIFICATION. ALSO I NOTICED THAT THE OTHER DISPUTE THAT HAS THE LINK TO MY EMAIL IS DIFFERENT THAN THE ONLINE XXXX ONE. I CAN NOT ACCESS MY REPORT ON ANNUAL FREE CREDIT REPORT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80219
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/XXXX and XXXX, Navy federal credit union charged two insufficient funds fee of {$29.00} each. when I review my account the funds were available, also my paycheck was pending to be deposited. Doing this pandemic Im the only one in my household that still has a job and it is very difficult to stay up-to-date with my accounts and pay my bills. Every dollar counts during this pandemic and the Credit union is not willing to help me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2020 I called Navy Federal Credit Union and spoke with a supervisor about late payments reporting on my credit report. During the global pandemic I was granted a forebearance on a vehicle loan while down to one household income. According to the Cares Act there shouldn't be any negative reporting as this account was in good standing prior to Covid 19 pandemic. The supervisor told me that " this is just business '' and " Navy Federal is allowed to report as they see fit. '' I explained this loan was in a modification process however nothing was corrected.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Identity theft protection or other monitoring services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Someone opened a savings account using my social security number.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02121
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am a Federally Protected Consumer I sent notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim was disputed and validation is requested On XXXX XXXX, 2020, I mailed Navy FCU a certified debt validation letter, cease and desist, creditor/debt collector declaration, and a requested information form. The letter was mailed was delivered and signed for on XXXX XXXX, 2020, at XXXX. It has been over 30 days and I have not received any correspondence from them. I am a Federally Protected Consumer Navy FCU needs to be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had a fraudulent charge in the amount of {$500.00} ( XX/XX/XXXX ) post to my Navy Federal checking account from XXXX XXXX. I immediately disputed the charge when I noticed it. Navy Federal gave me provisional credit while researching. Some time later Navy Federal reversed the dispute ( stating Visa could not verify the validity ). I opened a new account with Navy Federal so that I could continue my banking, as I knew I was not at fault and was assured the issue would be corrected. On XX/XX/XXXX my current account was debited {$240.00}, as well as {$220.00} on XX/XX/XXXX, and {$9.00} on XX/XX/XXXX. I have been trying to work with this bank ever since and continue to get the run around. I have never had any business with XXXX or authorized any payments to them. I want the bank to take liability for this issue and correct the damage it has caused.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Navy Federal Credit Union is reporting an account due to identity theft. I've included multiple FTC identity theft reports, police reports and verification to XXXX to block this information. My identification was compromised and I have a notarized document from the DMV indicating that my identity was stolen and I'm willing to prosecute. Additionally, I've filed a police report which is included in the report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, I have had extreme trouble with Navy Federal Credit Union in regards to a ATM fraud dispute. During the month of XXXX I was the victim of fraud, {$400.00} was withdrawn from a ATM using my debit card and personalized 4 digit pin, And {$400.00} was used via XXXX XXXX. As soon as I noticed I contacted Navy Federal immediately in regards to the fraud to make a claim. The first claim made was never processed it wasnt until I drove 1 hour away from my home to get a new debit card where I was notified the claim wasnt processed. I then proceeded to make a new claim at the branch. After driving an hour back home I was then notified my claim wasnt finished being processed ; I then had to finalize my claim for the third time.After all the trouble I went through to even actually file a proper claim. My claim was denied within a day, Never did a investigator nor the fraud department contact me about my claim. I then contacted Navy Federal in regards to there decision.They based there decision on the fact that My pin was used and that my card was somehow back in my possession after being stolen. I ensured them I have no idea who took my card, how this withdrawal or XXXX charge was processed.I consistently begged and pleaded with Navy Federal to properly investigate this claim ; They never properly investigated. Every time I called I received someone rudely from the fraud department telling me how odd my situation sounds and how no one would know their pin to use their card at an atm. I became a suspect in my own fraud claim.In the middle of a pandemic {$800.00} was taken from me and Navy Federal Credit Union failed to hold their agreement on their Zero Liability Policy. No matter what day or time I call I always receive someone rudely from there fraud department with no intentions on helping me in a situation I have no control over.I have even filed a police report with XXXX Pd something the fraud department ensured would overturn my denial and help me receive my credit.Instead Navy federal replied with a series of questioned to be submitted after I have already notified them of all the answers.Today I called the fraud department an another rude representative told me months after my claim that they will not gIve me any credit or help until I help find and prosecute the person who stole from me.I am not a officer of the law and I have done everything that can possibly be done. She ensured me even with an appeal I will most likely never receive a credit, I was blamed for the fraud done on my account.I have given extremely great recommendations and have had afairly good experience with navy federal until this. It upsets me to have to file a complaint but the measures the fraud department has asked me to do is extreme .In the middle of an pandemic I can not afford to lose money nor waste time finding and prosecuting someone.I trusted Navy Federal with my hard earned money and they failed me and labeled me a suspect after I spoke so highly of there company.It truly saddens me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Today I submitted an application to open a business account with NFCU. My business is XXXX at XXXX whereas we offer XXXX XXXX XXXX particularly for XXXX-XXXX for a fee. The XXXX code is XXXX for consulting. The NFCU representative ( XXXX ) told me that is considered " financial '' and therefore, the account could not be opened. I asked why? Since I do not perform any financial transactions on behalf of any business. Reviewing a company 's operations and giving advice ( that may or may not be implemented ) does not constitute a financial business. I asked him what the appeal process is and he stated " there is none '' and that his decision is final. Consulting is not financial otherwise there would not be separate XXXX codes differentiating the two. XXXX clearly needs training.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A