Date Received: 2020-08-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We are applying for our loan refinancing since XXXX in Navy Federal Credit Union. Until now we havent closed and we contacted our loan processor for the past few days on XX/XX/XXXX and XX/XX/XXXX through their customer service to provide us an update on where are we in the process. The last time we have heard from her was XX/XX/XXXX. We were informed that nothing is required from us and that it was ready to be submitted to the underwriter. She even said that we will hear from her in the following week meaning after XX/XX/XXXX. Despite of our resiliency, our attempt to get hold of the processor, we were never provided with an update. Prior to XX/XX/XXXX, there were series of emails that we sent to her to provide us an update but she never replied in our email. It was in XX/XX/XXXX that she spoke to us. Our loan refinancing has been more than 115 days and Navy Federal has been so slow in processing our loan application. I was told by the customer service representative that the loan processing could be take 120days. We felt that we are being overlooked despite of our proactive approach in providing what is needed to close. We are navigating in uncertainty and we desire to protect our family by being resilient but this bank has never understood the proactive approach in conducting business. The loan should not be sitting there left untouched. I also reached to customer service to let me talk to the supervisor but did not even receive a call or email to provide an explanation. I am writing this complaint so that due attention should be given not only to us but also to the customers out there who experienced the same treatment and let the management of the Bank draw a proper attention. You contact me to provide support and details.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I've had a refinance application in with Navy Federal Credit Union since XX/XX/2019. I've been through 2 and now I'm on my 3rd processor. I was told that this person is a supervisor. I've had my credit pull 3 times I had the appraisal done this year and I hope it's still valid because I don't want to pay or go through that process again. I've been to the branches, sent numerous emails and made as many phone calls. I understand that there is a global pandemic but, my point to them was this process was started XX/XX/2019. If this was done promptly then it wouldn't have been a problem. What can you do to help me? To the best of my knowledge I've been in the final stages for months. I was told to choose an escrow company and I did but, neither them no I know what's going on. Take a look at the screen shots that I've uploaded and you can see that I've provided everything they've asked for in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96818
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry from NavyFCU on XX/XX/18. I dont not recognize this lender or giving authorization to perform a hard inquiry.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48390
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
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 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: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
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, XXXX XXXX XXXX, and NAVY FEDERAL CU. 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, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and NAVY FEDERAL CU 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: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have asked repeatedly since 2018 for NFCU to close my account which they refuse to do. Now I am being threatened by XXXX XXXX, XXXX, Membership, with being dunned an inactive fee. They don't seem able to just close my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 671XX
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I noticed authorized transactions being withdrawn from my account via XXXX XXXX and XXXX XXXX totally {$990.00} and I immediately called Navy Federal to file a claim. The the Navy Federal rep said I had to wait for the transactions to go from pending to posted before I could file a claim and once the claim was filed " provisional funds '' would be returned to my account while an investigation was launched. I waited for the charges to be posted and then I filled out the form sent to me via email on XX/XX/XXXX. Days went by and I had not seen the " provisional funds '' nor had I heard from Navy Federal regarding the investigation. I placed a call on XX/XX/XXXX to Navy Federal and was told because the transactions looked like I authorized the transactions in question, they were unable to reimburse me. They recommended that I contact XXXX XXXX and XXXX XXXX. They also said I had the option to appeal their decision. The same day I contacted both XXXX XXXX via phone and XXXX XXXX via email ( attached ). XXXX XXXX XXXX said they were unable to refund me the money because it came directly from Navy Federal. XXXX XXXX said that because the transactions were completed that they were also unable to refund me my money. On this same day I texted and called the number that was attached to the transactions that were sent through XXXX XXXX and the number was disable. I texted and called the number again on XXXX XXXX and still no reply Transactions total:XXXX 2 transactions from XXXX XXXX : {$140.00} and {$200.00} 3 transactions from XXXX XXXX : {$200.00}, {$200.00}, and {$250.00} I never authorized these charges and those funds were for me to return back to school on XX/XX/XXXX. It is horrible that Navy Federal is not willing to reimburse me when all they have to do is re-examine my past transactions and they will see that I have NEVER made transactions in this amount to XXXX XXXX or XXXX XXXX. My father is a retired vet and we have used Navy Federal for years and they way they have treated me as if I am a criminal and worse a liar is disheartening. All I want is my money back and I will open an account elsewhere. I have attached all the information I have regarding this transaction and will also be filing a police report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
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 NAVY FCU, XXXX XXXX, and XXXX. 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 all 3 bureaus and NAVY FCU, XXXX XXXX, and XXXX 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: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
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 NAVY FEDERAL CREDIT 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 both XXXX and NAVY FEDERAL CREDIT 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: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
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 NAVY FCU. 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 all 3 bureaus and NAVY FCU 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: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A