Date Received: 2020-10-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/XXXX my husband and I got a divorce. Per speaking to a Navy Federal representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. I have contacted Navy Federal and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Navy federal charge me 2 return ck fees.. the bank transfer {$20.00} to pay my credit card payment with out me authorizing the transfer. My account was short do to this payment. I have money in another account tht could have covered the payment. the bank does not allow for the customer to cover the payment before applying fees. Other banks give a customer 24 hours to put the money in your account to cover a check.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On thursday XX/XX/XXXX i deposited a check for XXXX and on friday XX/XX/XXXX i deposited XXXX checks for XXXX, XXXX, and XXXX. All three checks were placed on XXXX business day holds as normal and XXXX was made immediately available. Saturday morning my account went into the negatives as XXXX federal took the XXXX back and extended the holds on the checks to XXXX business days ending on XX/XX/XXXX. I called XXXX federal and escalated the call to a supervisor level. The supervisor removed the hold on some checks to bring my balance back to XXXX in the positive. I thought this resolved me issues and agreed that holding the rest of the funds till the XXXX was ok. Then on tues XX/XX/XXXX the automated banking system reapplied those removed holds taking all the money from my checking and savings and overdrawing my account to negative XXXX draining everything i had. I called navy federal back who advised me i needed to talk to the security dept. I did. Security dept told me it was because of the holds plaved on the checks and that the checks did not come back nsf so the funds will be available XX/XX/XXXX and it would straighten out then. I asked for a security supervisor and told told that none are available to speak with so i would receive a callback from a supervisor within 24-48 hours leaving my account unusable in the meantime. I called back again and got an account specialist supervisor who advised me there is nothing navy federal can do about the money that was taken from either of my accounts, or the money that was released abd taken back until the checks came off of hold on the XXXX. Meanwhile i have written two checks out that will now bounce because of these finds being given to me and removed twice. No answers can be given to me from navy federal about what to do. I keep a daily balance of XXXX or more and have never had an nsf on my account. I deposited these checks from known clients as i always do with the expectation and notification of a 2 day hold like always. The supervisor advised me that the holds were weird and abnormal. I also currently have an additional XXXX in checks that need to be deposited and am afraid of putting them into my account given the circumstances and the current negative balance. All superviors, security dept, and associates have advised me this is not my fault but there is nothing i can do until the automated system lifts my holds. I run a construction company so this threatening to put me out of business as i can not purchase materials, pay for labor and transportation, or function with no funds. This is now causing additional problems beyond just holding checks when checks can easily be verified quicker then 2-5 days. Again none of these checks have come back nsf so giving me available funds and taking them back is not right.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NAVY FEDERAL IS REPORTING MY CREDIT CARD ACCOUNT TO TEH BUREAUS AS A DUPLICATE AND HAVE NOT REMEDIED THE PROBLEM AFTER SEVERAL REQUESTS.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: A debt validation letter was sent to NAVY FEDERAL CREDIT UNION with regard to a credit card debt in the amount of XXXX on XX/XX/2020 asking for documentation to validate the debt. What was sent to me was just a statement not a invoice of actual accounting, along with a statement stating that after there investigation that the debt was shown valid and that i needed to talk to the credit agencies about this matter. upon looking at my credit report it was observed a statement on this account that states " Account closed by credit grantor, account previously in dispute, now resolved by data furnisher ''. an investigation was not requested only the correct documentation with regard to this debt to prove that there is an actual contract and if full disclosure was granted to me upon signing of any credit agreement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I recently opened a checking, savings, and money market account with NAVY FEDERAL CREDIT UNION. Everything was good until my first Direct Deposit posted to my account, that's when everything begin to go downhill. Account access begin to limit and then eventually no access pending Identity Verification. So I submitted the required documentation being put through a 3-5 business day Verification. On the XXXX I called to see if the issue had been resolved to get no help and be told that I would have no access by phone to my account. This is the second time this has happened to me this year, you need to update my information and keep it updated. Please deliver an urgent response to this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 30 days late payment on XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I reported fraud on my checking account for a XXXX payment to my bank .I just received notice that the bank has determined no fraud was committed. I informed the bank my XXXX was lost/stolen and my debit card info was on the phone. a few days after it was lost/stolen someone use my card for XXXX at XXXX. I went to XXXX and was told it was used as a XXXX XXXX, either to pay a person or a bill. I do not use XXXX XXXX. I filed a fraud claim with the bank and i just received notice that the temporary credit will be reversed in 14 days. There seems to be a systemic problem with banks siding with vendors instead of customers. If my card info was literally stolen and used, why should I have to pay for it. Why should I go without XXXX of my hard earned money while some thief benefits. NFCU did not contact me before making the decision to reverse the credit or explain to me what supposed evidence they used to determine there was no fraud on my account. I filed a claim for my stolen phone with XXXX but they didn't bother asking me to provide any supporting evidence. On your next examination of NFCU your office should review their debit card dispute process and look at how much they side with a merchant or thief instead of their members they claim to protect. I'm sure i'm not the only customer they've done this to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I sent a dispute letter to all 3 credit bureaus about a charge-off account that in my name. I stated in my letter that a document showing that I signed for the loan amount was accurate. The credit bureaus and navy federal did not produce any documents that verified I owe the amount of XXXX to the navy federal bank. XX/XX/2020 is the date I sent my dispute letters and XX/XX/2020 is when I received my response
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: To whom it may concern, In the late XXXX 's, my late husband took out a loan from Navy Federal Credit Union. I learned about the loan once he passed away in XXXX of XXXX. I have copies of the transactions between the bank and my husband. I never signed anything because I was unaware of the loan. Additionally, from my understanding, Georgia is not a debt consumption state and I was living in Georgia at the time of his passing. I was very disappointed to learn that Navy Federal Credit Union would have someone with this type of attitude working for them. The lawyer that was reaching out to me continuously harassed me and threatened me with a garnishment of my wages in XXXX of XXXX. In XXXX, I filed bankruptcy and included the loan in my filing. On XX/XX/XXXX, my current employer received a garnishment of my wages for this same loan. I'm furious. To resolve this matter, I would for Navy Federal Credit Union to leave me alone, return any money they have taken from me, pay any court fees I've incurred, and remove any blemishes they have caused on my credit report. I look forward to your reply and a resolution to my problem. Sincerely, Frustrated Customer
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A