Date Received: 2020-08-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31548
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We started the process of attempting to refinance our home back towards the end of XXXX may be the beginning of XXXX. We have been in communication with Navy Federal Credit Union about our refinance throughout the whole entire process, I have called in numerous occasions we had a loan processor by the name of XXXX XXXX who was working on our file at the very beginning, for over 4 months we never heard anything from Navy Federal Credit Union. We have had friends go through the process of getting their home to refinance since mortgage rates have dropped and closed within 2 months. However, our file is still in process. I have sent numerous emails to XXXX XXXX and made numerous phone calls into the company to get a status update. Then what is worst is that I would get a dialer systems customer rep to call me to tell me that our loan is still in process. But why in the world is this taking soooo long to process? Obviously, interest rates are down and we understand that the company may be busy with the processing but all documents have been submitted and to get emails from this representative asking and requesting for duplicate information and then to have our credit pulled numerous times just to qualify seems to be unreasonable. Even when I call in to speak with a supervisor in processing NO ONE is able to take my call, nor is anyone available. My file has now been transferred to another representative who had to re-pull credit and now is not able to be reached so that we can try to continue this process. We have been at this process for over 5 months and this is not acceptable. The new representative has now quoted us a much higher interest rate ( when interest rates are steadily on the decline ). The interest rate we were approved for was at 3.625 % now we are being quoted much higher than this. We are still waiting on Navy Federal to contact us so that we can take advantage of the lower rates, but no one is able to answer questions about the process and tell me why the rates are going up when all over the news and the internet I see rates going down.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: They refused to give me my money back they made me pay it back and I did not do that my account was compromised and the fraudster withdrawal money on me from a bogus account from another member this happened on XX/XX/20 2 transactions {$1.00} and the other one for {$480.00} and I do not know this person
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On or about XXXX through XX/XX/2015 I experienced some hardship to my finances do to divorce and helping my mother out due to her losing her job and only source of income therefore all of my credit obligations were defaulted on. During these time I received false threats, from Navy Federal, legal action and wage garnishment. In addition to that false threats to contact my commanding officers as a tactic to pressure me to repay. Also Navy Federal misinterpreted credit consequences of falling behind on all my loans and credit card obligations. Then Illegally froze access to my accounts which enabled me to try to satisfy any other debts that occurred during that time frame. The accounts in question are as follows : Navy Federal Credit Card : Charged off XXXX Navy Federal unsecured Loan : Charged Off : XXXX Navy Federal unsecured Loan : Charged Off : XXXX Prior to the above financial mishaps I had no trouble with paying satisfactory on my financial obligations. There should have been no reason as to why they couldnt offer me repayment plans to help me fix the issue or contact me to explain what I need to do to straighten this out. I know its already 5 years but the route they took with me was unexceptionable and needs to be handled accordingly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
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: Navy Fed reporting a closed account Closed account with balance and past due balance with monthly payment showing not to mention its different Account numbers with different truncations showing across multiple bureaus. XXXX XXXX XXXX If I didn't believe in mistakes I might have thought they were misreporting this account on purpose but I have numerous open and closed accounts with Navy Federal all in good standing so I know its a minor mishap in there part.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX froze my account then closed and kept {$600.00}. XXXX froze my account then closed it and kept {$450.00}. XXXX has closed 3 separate accounts totalling over {$900.00}, and kept the money. Navy federal currently has closed my checking account and kept {$300.00} plus dollars. XXXX XXXX XXXX froze then closed my accounts with over {$700.00}. XXXX XXXX kept {$200.00} after freezing and closing. XXXX has frozen thousands and kept every last dime.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 47591
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a loan with NAVY FEDERAL CR UNION. 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, XXXX, NAVY FEDERAL CR UNION with no successful resolution. XXXX, XXXX, XXXX reporting me late. There was definitely an error on their part
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
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 have a loan with XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) and NAVY FEDERAL CR UNION. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) and NAVY FEDERAL CR UNION. with no successful resolution. There was definitely an error on their part.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy federal Bank account was hack and money was taken from the account. I spoke with bank, bank told me that i called just in time to stop transfer. Bank returned money to my account the following week, Stating that they observed someone entering my account adding information before make a transfer. Bank closed account open new account for security reasons. Days later money removed bank stated investigation they didnt see thing out of the ordinary and will not return money. This is a nightmare, I need my money, this couldnt have happened at a worst time. I hope this is detailed enough.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy in the United States District Court of Minnesota. XXXX XXXX : XXXX. I am still receiving letters and phone calls from Navy Federal Credit Union for 2 checking accounts that was discharged in bankruptcy court. The 2 checking accounts was under the following 2 social security numbers : XXXX and XXXX. Both checking accounts was discharged in bankruptcy court. My DOB : XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A