Date Received: 2020-09-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was XXXX XXXX and during that time my debit card was used to steal my veterans compensation deposits on XX/XX/2020 and XX/XX/2020. Over {$4000.00} was taken and Navy Federal denied my first claim automatically due to the amount of money involved. I submitted all info requested including a letter from the XXXX stating my XXXX dates and also the police report I took out due to the theft. I was denied a second even though I submitted clear and overwhelming proof that it was an unauthorized user and not me withdrawing the money. I was in XXXX and there is no way I could have made the transaction yet navy fed still denies my claim.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I called Navy Federal Credit Union twice and sent them a written message as well on XX/XX/2020 regarding the Balance Transfer Interest Charges on my credit card account which I believe should be removed as the contract they had sent me with the card did not mention a 30-day requirement for balance transfers. The bank is claiming that the 30-day requirement was mentioned in the application, but whether that is true or not, it should not be relevant as they have mislead me by sending me a contract with the actual card that does not mention the 30-day requirement. I read the contract closely before using the card and if I had seen such a requirement, I would not have used the card for balance transfers. Attached please see the contract that came with the credit card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is the THIRD time i have had issues with this company. Back in XX/XX/2020 i set up a payment plan to pay off my debt. i told the rep to please take out {$85.00} every 2 weeks according to my pay dates. I was told the first time it would come out of my checking account and it never did. I called and confirmed the correct bank information and they confirmed that was what they had in their system as well. i am not sure why the money was never withdrawn. I called and set up the payment again and confirmed they can withdraw {$85.00} from my account every 2 weeks automatically. The bank information was viered and it was taken out 1 time. After that happened in the spring i submitted a complaint back in XXXX because the money was never taken out of my account. Even though i gave permisson to do so. I spoke to MS. XXXX who again confirmed with me that starting XX/XX/XXXX i would have money taken out of my account every 2 weeks starting XX/XX/2020. I later got a call from someone named XXXX i believe who asked if i wanted a payment to be set up. I told him the payment should have already been set up to take out {$85.00} every 2 weeks. IT WASNT SET UP! I confired with him the infomration AGAIN to have payment take out starting XXXX XXXX and he ASSURED me that i would not have to repeatedly call back and it will be automatically taken out. That i would not have to worry and its been set up for payment every other week. Well now the ONLY PAYMENT THAT CAME OUT WAS ON XX/XX/2020.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60164
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: navy federal froze my checking an saving accts XX/XX/2020, they stated they are doing an audit, with no answers an whats going on, i only got questioned about my SBA loan. They put me on hold to look up registration status while on hold i did the same an saw the listing with the Secretary of state showing i owned the business, they finally came back on the phone an stated they couldnt find me as the owner???????
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: This is what happened recently dated XX/XX/2020 and About to Travel XX/XX/XXXX to XXXX California ..I am a military who is about to do a final military travel move back home. Every time a military move there is a travel pay money given by the military DFAS to help the family movement allowance to another state .. So to make the story short ..DFAS deposited my travel allowance into my old navy federal account that I never use for 4 years..I have a credit card with navy federal.. In order to pay all my credit cards and other debt I went into a program debt consolidation -National Debt Relief Program ... Navy federal credit cards are enrolled in that program ..Since I went into that program navy federal freeze me using my account but it is open account ..I tried closing but they said cant do it coz I still have a debt to pay with them ..I can only close my account when everything paid off. Navy Federal applied that deposited money to pay some of my credit card as a charge for not paying them ..They know already I was enrolled into a debt consolidation -National Debt Relief Program .They just touch that travel money with out informing me or any acknowledgement from them like hey there is a money deposited by dfas to us bla bla bla!!! So when I learned that dfas deposited my travel money with the amount XXXX to my old account navy federal bank and its been deposited for a couple of weeks ..I contacted navy federal.. I talked to one of customer service team and said I cant get that money back and that money was use to charge against my credit card.. So is there a way I can still get that money back because that money is for family travel allowance not for a credit card.. v/r jg
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020 all my accounts held with navy federal credit union were frozen without warning or notification after a deposit of {$5000.00} and {$1000.00} was made to my account by another navy federal member. I contacted NFCU after my card was declined at the drive-thru on XX/XX/XXXX. I was told that the department that could assist me in recovering my accounts was not going to be able to assist me until after XXXX XXXX weekend. My 8 month pregnant wife and I are left figure out how to make it through the weekend with absolutely no funds. With no other options we hunker down for the weekend. First thing on the following tuesday XX/XX/XXXX I reach out again to recover my account. I am given instructions on what to do to recover my accounts. I do so and await a response. It is now XX/XX/XXXX, day 5 with no funds, and i reach out again after receiving no response for over 48 hours. I am told no emails have been recieved and am asked to attempt again. The emails were sent to the very same email address as before no typo was made in either attempt. The department finally receives what they need and now I am told that they need ANOTHER 24-48 hours to review despite my situation. My wife and I have been left in the worst imaginable situation. The lack of services available to recover access to my funds seems unlawful! There are still another 48 hours that we are forced figure out how to get through our day-to-day without access to our accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78728
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and NAVY FCU with no successful resolution. XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a EIDL loan from the sba 10 days ago in the amount of {$140000.00}. It was deposited into my personal account as I am a XXXX XXXX and am in the process of creating a XXXX and obtaining a tax identification number. All of the funds in my Navy Federal Credit Union account are being held by the security department and my account is under review. When I spoke to the security department all they told me was that a investigator is reviewing my account. Gave me no time line for a resolution, wouldn't take any documents I offered and wouldn't transfer me to a supervisor when asked. I was approved by the SBA using my ssn number and have no idea why the bank can arbitrarily freeze my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 547XX
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX is stating Navy Federal # XXXX is reporting my account as Refinanced and that's not true. The loan was " PAID IN FULL '' and " PAID OFF '' early, so why would it be reporting as refinanced. XXXX Status states " Paid Satisfactorily '' the loan was paid in Full. Navy need to ensure XXXX is reporting this information correctly as it affects my credit profile.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2020-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: Dear who this may concern I refinance my car with navy federal and request to the person I was in contact with, that I would want Gap insurance on my auto loan. My vehicle end up being declared a total loss by XXXX and called the bank about it. The bank refuse give gap, because it was not put into the loan as I requested. The bank I clearly not capable of being trusted with a yes or no answer and would like some explanation and some accountability. I looked forward to getting a response
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79934
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A