Date Received: 2020-11-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There were credit cards & checking accounts opened in my name with NFCU that were fraudulently opened. I have never had NFCU and I told them that. They keep sending me letters in the mail about a credit card payment that I dont even have or ever had!!!!! Same thing with the checking account its not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2020-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX has incorrect information on my credit report, I notified navy federal credit union about this they said XXXX reported the information incorrect, I am not disputing anything on my credit report on my navy federal credit union credit card, please update this information, someone submitted a dispute with out my authorization and I didnt submit anything so want this information and dispute corrected, I am not disputing any high credit on my credit card period and it needs to be corrected, it says Im disputing a high credit balance on my account, Im filing this with the consumer financial protection bureau to get this straightened out this has brought my credit score down, I am I repeat I did not put no dispute in with navy federal credit union about my credit card please fix this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30141
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I got approved for an sba loan for one of my companies, since my business account was unable to be verified, I had the money deposited into a personal navy federal account that I share with my my partner. Navy federal froze the account and all the funds and now we are in a very bad spot. I was transferred to security department and they would not help me and were actually pretty rude. I was told that someone would reach out to me in 3-5 business days but what am I supposed to do until then?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85202
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Filed a dispute for incorrect information showing negative and nothing resolved information is incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My original complaint number is XXXX. This was closed. I received an email from Navy Federal on XX/XX/XXXX that another appraisal needs to be done and I haven't heard from them other than thank you for your patients. I emailed them again on XX/XX/XXXX. Can you not close the complaint until the process is completed. I've been working with them on this since XX/XX/XXXX!!!!! Please help. Is there another agency that I need to contact that could help?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96818
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2020, {$500.00} was taken out of my savings account unauthorized. When I went into bank to find out why, I was told this was due to fee for Navy Federal Appraisal fee. However the appraisal fee was taken out off my credit card last month. After explaining this, I was then told to email XXXX I noted this email as urgent. PS- I canceled the appraisal a week ago due to being talked to like a child after being with the company for 7 years serving in the military. Now they are taking money out of my savings authorized. I would appreciate assistance in this urgent matter as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My wife and I, applied and were tentatively approved for a V A refinance through Navy federal credit union ( XX/XX/2020 ). All concerning documents were then submitted numerous times as requested to loan officer ( XXXX XXXX ). But then Amid all transactions and setbacks lasting through ( XX/XX/2020 ), We then received a denial letter stating all requested documents were not received by them in a timely manner resulting in their actions. That was total XXXX and the LAZY ) loan officer assisting us as well as her supervisor knows the same. XXXX XXXX and her supervisor who phoned me during the aftermath should be fired..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I had an account with Navy Federal Credit Union, account ending in # XXXX. I used the card as credit option, therefore I should've had the protection as if visa/Mastercard promises coverage. On XX/XX/XXXX, I made a very large purchase for over {$4000.00}. I never received delivery. I contacted & filed paperwork with your union numerous times to no avail. This is also after I tried to reach resolution with the company directly. I have NEVER received any communication or follow up from Navy Federal. Ridiculous! This is why I no longer actively use this union. Follow through & return my money! It is XXXX XXXX for the exact amount of {$4400.00}. I have tried to be patient due to distance, COVID-19, etc ... but enough is enough. My next step is to also file a complaint against the union. See attachment of receipt showing payment in full. Invoice # XXXX, order # XXXX. The actual purchase was made on XX/XX/XXXX & delivery scheduled for XX/XX/XXXX. Delivery never happened. I contacted the company, the warranty company which charged {$190.00} for coverage, the XXXX XXXX XXXX & filed claims on multiple occasions totaling 23 times beginning the first week of XXXX. I have not received any resolve from anyone & only received " there is nothing I can do '' on all fronts. I want my money back since it is fraud to charge for what is never received in good faith. Horrible way to treat veterans. I still have not received any help or answers from NFCU even after contacting hem yet again yesterday morning. Shameful. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37917
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We worked with our insurance agent in XXXX to solicit insurance quotes from various venders to ensure that we had the best coverage for the price. We emailed our insurance agent on XX/XX/20 that we decided not to change insurance companies this year and asked him to move forward with processing the payments with our mortgage company. Our policies for homeowners and flood insurance were due for renewal XX/XX/20. We received our Flood Policy and heard nothing else relative to any issues with payment from our insurance agent nor our mortgage company until XX/XX/20. On XX/XX/20 we received a letter from NFCU dated XX/XX/20. This letter was notice that our flood insurance expired because we failed to obtain new coverage. We called the NFCU on XX/XX/20. We were told that our insurance agent failed to send the information so that the mortgage company could pay the flood insurance. We were told that they requested it 3 times. We immediately contacted our agent and asked them to send the information regarding the flood insurance to NFCU so this could be paid the same day. We received a phone call back from our insurance agent notifying us that a request for payment was sent to NFCU but the flood insurance company never received payment. We were also notified that since the policy had lapsed 31 days prior, we would have to get a new policy and wait the 30 days required by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After several calls and back and forth to the insurance company, NFCU and our insurance agent, we were told that they were researching this issue and would get back to us and that NFCU did send out the payment early in XXXX. We received a call back later that afternoon that our flood insurance company was sending out a new bill with coverage data and that our flood insurance would be effective in 10 days. This was due to the error in the billing process and thankfully we didn't have to wait the full 30 days, however Hurricane Sally was building in the Gulf of Mexico and we would not have coverage through the hurricane. We called on XX/XX/20 and XX/XX/20 to ensure that our payment had been successfully received by our insurance company. It was and our policy was effective XX/XX/20. After all of this, we receive a letter from NFCU on XX/XX/20 dated XX/XX/20 stating that our mortgage escrow would be charged {$330.00} unless we can provide proof of coverage from XX/XX/20 until XX/XX/20. So once again we called NFCU and spoke to XXXX regarding the complete mishandled payment from NFCU and asked if NFCU could look into this issue. We were told that this issue was being researched and they would get back in touch with us regarding this issue. We never heard back from them and on XX/XX/20, we received another letter dated XX/XX/20. This letter was to inform us that our escrow was charged {$330.00} for forced placement insurance due to failure to provide proof of coverage. It is as if the investigation into this issue was dropped. Our problem is that there was a check printed for our flood insurance on XX/XX/20, there is no proof they sent it since they send out these checks via regular USPS mail with no tracking. I have purposely included the timeline of the letters that I receive from them to show that they are not timely in their mailing apparently. After denying that the check was printed and deducted from our mortgage escrow account ( see attachment " XXXX ) and stating that our insurance failed to send them appropriate information to submit a payment, we learn that the problem was with NFCU. They then refunded our escrow {$870.00} XXXX price of the original flood insurance policy and submitted a new check for {$750.00} for the revised flood insurance ( attachment XXXX ). Now they have charged us for this error and apparently dropped their internal investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A