Date Received: 2020-09-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My Wife and I completed and submitted a refinance with Navy Federal Credit Union in XXXX of 2020. We have completed all of the paper and submitted the paper work via Navy 's online process. All we have gotten back from Navy is phone calls asking us if we still want to process with the refinance and each time we say yes. We are now in the 7th month and no closing date. I have reach out to Navy many times for an update and no response. There is something here seriously wrong.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Back in XXXX while XXXX to XXXX XXXX I requested Ohio SCRA benefits from Navy Federal Credit Union. It was not awarded to me because I was told that SCRA benefits only applied to debt which incurred prior to military service. I retired XX/XX/XXXX and while attempting to get my affairs in order I revisited this Ohio SCRA benefit only to realize that it in fact covered all debt. XX/XX/XXXX I requested this benefit for the second time and I never received a notice saying that I was ineligible. However I noticed that my ability to do any transactions online was taken away. XX/XX/XXXX I contacted Navy Federal to obtain the status of the request and I was told that I was no longer eligible for SCRA benefits because I retired in XX/XX/XXXX. My complaint was that when I originally requested these benefits I was not retired. Navy Federal states they value the military service members and are here to help. However when I requested that they honor my original request I was denied. Navy Federal does not care about us and I feel their name was a ploy to attract service members. I served my Country for 20 years and have been a member of Navy Federal since XXXX. It's already bad enough that I was denied Ohio SCRA benefit that I earned back in XXXX, but after 19 years of doing business with them when I asked for the money back that I was overcharged they shut the door in my face. I was told that after reviewing their archives they saw fraud alerts but did not see the original Ohio SCRA request. I am appalled as to how I was treated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of identity theft and I discovered it back in XXXX. I filed an identity theft report with the FTC and sent in all my documents to the credit bureaus, XXXX, XXXX and XXXX. Navy Federal Credit Union removed the fraudulent account from XXXX and XXXX but continued to report the fraudulent account to XXXX. I sent in a second letter to Navy Federal Credit Union letting them know this account is fraudulent and it should be removed from my XXXX credit file just as it was removed from my XXXX and XXXX credit file. I sent this letter on XX/XX/XXXX in which I have attached the certified mail receipt to this complaint. A second letter got sent on XX/XX/XXXX in which the letter and the certified mail receipt are both attached to this complaint. This letter was requesting business records of this fraudulent account that Navy Federal Credit Union claims was my account. In accordance with section 609 ( E ) of the Fair Credit Reporting Act they have 30 days upon request to provide such documentation. I still have not received any documentation in the mail supporting their position that this account belongs to me. I have filed a police report and signed and notarized a sworn affidavit that this account does not belong to me and should be removed from my credit file. Navy Federal Credit Union violated my rights under the Fair Credit Reporting Act by not removing this account and by not providing me with business documentation proving this account is mine. In addition to my civil rights being violated they have violated their subscription agreement with the credit bureaus in which I have attached to this complaint as well. I have educated myself with the Metro 2 compliance rules and regulations and Navy Federal Credit Union is required to report accurately with each credit bureau they have a subscription agreement with. They are only reporting this fraudulent account with Experian but not the other credit bureaus, how is this in compliance? Further questions, how does Navy Federal Credit Union reserve the right not to abide by the Fair Credit Reporting Act? Are they able to deny requests of information? I have attempted to call Navy Federal Credit Union several times to work this out and each time they tell me they can not and will not do anything because they believe this account belongs to me yet they have failed to provide me with such documentation to support that claim. Navy Federal Credit Union is slandering my reputation and preventing me from moving forward with my life. This is defamation of character at its core. I have provided every piece of documentation requested of me to get this fraudulent account removed and Navy Federal Credit Union has not been responsive to my most basic requests.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07410
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: I made a deposit at a Navy Federal ATM, the lesser amount was returned, I was then give this receipt, from their " Navy Federal ATM '' machine. I filed a claim. My claim was denied! . Now I have a receipt from Navy Federal ATM that is undisputable and witness of, and video surveillance from a major store of this incident happened in. How can my claim be denied? Come to find out upon speaking with a supervisor at Navy Federal. I was notified that the Navy Federal ATM 's are not owned and operated by Navy Federal The agency that owns and operates the Navy Federal ATM 's, make their own reports of the activity of the ATM 's This allows them to have the ability to make false statements about money deposits though their ATM 's. The agency reported no overages of money deposited within the ATM. Sounds Strange when I have a receipt from the their machine that I deposited money and clearly states that my money was not returned by this machine now they can't find my money!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: After 6 months of waiting, a closing date was proposed no-later-than XX/XX/XXXX. The first credit report XXXX score of XXXX dated XXXX " expired '' on XX/XX/XXXX. The second credit report from XXXX was XXXX, dated XXXX.The under -writers ( email XXXX ) had problems reading the condo docs that were FAXED ( XX/XX/XXXX ) using the supplied FAX cover sheet. They didn't see the name of the project on the 1st page and couldn't find the number of units on the 3rd page. ( email XXXX ) I had approved for the use of E-Docs and E-Signatures. Shortly after I received E-Docs with a Mortgage Loan Price Commitment Agreement back dated to XXXX and a Loan Estimate issued XXXX.The rate lock expired on XXXX, 4 days prior to sending/receiving them. I didn't sign, wrote a letter of complaint ( XXXX ) withdrawing E-docs & E-signatures. Underwriters couldn't determine my income, asked ( XX/XX/XXXX ) for W2s, had been sent in cert. mail XXXX, received XX/XX/XXXX. I confirmed my income by referrencing documents # 3, # 4 & # 8 in XXXX cert. mail. Email XX/XX/XXXX request change of HOI beneficiary prior to closing. XXXX payoff requested XX/XX/XXXX, expired XXXX. No payoff requested from XXXX XXXX XXXX. Application was for Hawaii condo w $ XXXX to payoff commercial property in Ohio. Denial-too many inquiries ; amount owed on revolving account too high ( all accounts paid in full every month for yrs ) ; length of time accounts have been established ( 3 most recent Cr. cards over 2 yrs old & 2 are with the lender-no balances ) ; No Derogatory Info found in the file. Paid down mortgages {$14000.00} while loan applications pending. No accommodation requested for existing loans. Loan application/credit denied
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96701
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX XXXX is XXXX XXXX of XXXX who steals money out of my accounts with duplicate authorizations. I divorced XXXX XXXX of XXXX who is President Clinton of XXXX XXXX XXXX XXXX Incorporated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was XXXX from XXXX-2020 to XXXX-2020 and during that time my Navy Federal debit card was used fraudulently for the following transactions : XXXX WITHDRAWAL {$1000.00} XXXX withdrawal {$300.00} XXXX withdrawal {$62.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$140.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX XXXX XXXX {$240.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} Ive sent the bank a letter from the XXXX stating the days I was XXXX along with the police report and was still denied. I went to a branch location today ( XXXX-20 ) and was told by a Navy Federal associate who was on the phone with the Navy Federal fraud department and was told the reason I was denied was because the PIN number was used but according to the Electronic Funds Transfer Act that is not a reason to deny a fraud claim. The only way for my claim to be denied is if I wait too long to notify the bank of the fraudulent transactions which doesnt apply to me because I notified Navy Federal within 1 day of noticing the transactions because I was XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a XXXX XXXX purchase loan. After I applied online, I was immediately told I was denied without any explanation. I have called, and sent dozens of emails with no response whatsoever. After reading the guidelines on the Credit Union website I am aware I am qualified for this purchase. So I believe it is the banks responsibility to contact me and discuss why I would be denied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Navy federal placed a level 9 lock on my account due to fraud activity even though it had been reported my account was hacked I had no access to any accounts online and being military I couldn't access a branch in the middle of the ocean.. they refused to unlock the account. Causing me to dramatically fall behind on payments due to not being able to set auto pay or have access to those accounts.. they have sense submitted a consumer report calling for bad banking history which is untrue due to there own doing
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A